Lake Ariel Realty

If you’re like most college graduates, odds are you left school with more than a degree and fond memories: You probably racked up student loan debt.

For many Americans, this debt totals tens of thousands of dollars and often feels like a huge financial weight. Furthermore, repaying student loans can take some borrowers over 20 years. To help alleviate that burden and pay off your student loans faster, here are six strategies to consider:

Whether you adore your new carpet or can’t afford to replace it every few years, below are a handful of ways to extend the life of your carpet—even if you have kids and pets.

1. Lay down a rug in high traffic spots.  It may seem weird to lay a rug over your carpet, but in places that see a ton of foot traffic—like by the bed, couch or doorways—adding an extra layer of protection in the form of a rug or mat can seriously prolong your carpet’s life.

Some unscrupulous lenders use abusive practices, known as predatory lending, to trap borrowers in loans they can’t afford. Those lenders target vulnerable groups, make misleading claims and conceal the true cost of their loans.

Types of Predatory Lending
It’s legal for lenders to charge borrowers with bad credit high interest rates since they’re riskier than customers with good credit. Predatory lenders deliberately target people with bad credit and charge them exorbitant interest rates.

While some couples opt to keep things separate, sharing a credit card can help when it comes to streamlining household money management. But it isn’t always easy. Whether you add someone to your credit card as an authorized user or open a joint account, problems can pop up if you’re not careful. Here are three common ones to look out for:

A certificate of deposit (CD) is a product that gives an investor a fixed interest rate for anywhere from three months to five years. The longer the term, the higher the rate. CDs generally have higher interest rates than savings accounts, but money must be kept in a CD until its maturity date. If it’s withdrawn before then, a penalty applies. CDs are FDIC-insured, which makes them safer than investing in the stock market. In order to maximize returns while maintaining liquidity, investors often...

Charging too many expenses to your credit card can happen occasionally. It leads to what’s called a maxed out credit card, meaning you’ve gone over or are close to being over your assigned credit limit. 

It doesn’t mean your financial world will come crashing down around you. But it is something to take notice of and deal with. 

With summer on the outs, it’s time to think about switching up your decor in time for fall. Colors are shifting, leaves are falling, and the weather is turning. Take inspiration from the great indoors and switch-up that interior!

Make easy switches

Accents like throw pillows, sheets, and blankets are great ways to add autumnal colors into your home. Warmer colors like shades of red and orange are ideal, and can really bring that fall touch into your living space.