If you want to make an important purchase but do not currently have the money, you don’t necessarily have to put things on hold. If you own a house and have been paying your mortgage for several years, you may have enough equity to qualify for a home equity line of credit, or HELOC. Before you take that step, you need to understand how a HELOC works and ask yourself whether the purchase you want to make is worthwhile and whether you can handle the responsibility that comes with accessing your ho...
Any dog owner has likely seen parts of their new garden dug up by their four-legged family member, or their freshly laid sod become Spot's outdoor toilet. Reach out to your landscaping professional to get some tips on creating a yard you and your dog will enjoy, but here are some tips to get started.
Consider your dog's needsEach dog – senior, puppy, small, big, active breed or not-so-much – has different needs. Is your dog a water hound? Maybe you should include a splash pool or water fountai...As the days get longer and summer makes its debut, it’s time to turn your attention to your outdoor spaces. Whether you are updating your home for a quick sale or just want to choose a project that will contribute to increased equity down the road, it’s important to choose wisely and with an eye on the projects that sell in your local market.
This year, COVID-19 restrictions mean that many camps, country clubs, and community recreation facilities are closed, or are severely limiting their servi...For $600 or so a year, plus a service fee of around $75 every time you ask for repair, a home warranty can be an inexpensive way to have peace of mind as a new homeowner.
Home warranties cover breakdowns in a home, from HVAC systems to appliances. A broken water heater can be repaired within hours, but if it can’t be fixed, a home warranty can pay for a new one to be installed.
For homeowners with an older house, they may want more things covered than a newer home would need—such as older appli...Between your desk job, your social media accounts and your nightly Netflix-a-thon, those hours in front of a screen really stack up. Too much time in front of a screen can seriously damage your vision and hinder your mental health. Below are a few tips for stepping away:
Host a weekly game night. Skip the TV time for a weekly game night with family or friends. Pick out your fav, old-school board game and get some healthy competition flowing, away from your phone.
Set a rule—no phones in bed. Le...Your first credit card can be the start to building your financial future. Just remember, how you use it can affect you for years down the road.
For example, build a good credit score and you could see lower interest rates on home and auto loans, and receive better credit card perks. Make too many mistakes with a first card, however, and you could have less financial flexibility. Landlords, lenders and utility companies could view a low credit score as a risky customer for them and deny you ser...