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Here are the best and worst improvements to make when you are preparing to sell your house. Best Improvement: Clean Up Cost: Negligible Give your home a top-to-bottom cleaning or, better yet, hire a pro to do a deep clean. Do it even before you hiring a real estate agent. If you don’t have a regular cleaner, hire Continue reading How to Sell a House – Best and Worst Improvements to Make When deciding whether to rent or buy a home the most important criteria to consider is lifestyle. If you’re traveling a lot, you may not want to be tied down to a house. Even if you tend to stay close to home it’s likely you’ll begin to tire of home maintenance chores within the next decade Continue reading Your Lifestyle is the Most Important Consideration When Deciding Whether to Rent or Buy a Home Here are ways you can lower your homeowners insurance costs. Just as with real estate values, location rules when it comes to homeowners insurance costs. From the most expensive state to the cheapest, home insurance premiums vary by more than $1,000 per year. According to the National Association of Insurance Commissioners, the average annual U.S. premium was Continue reading Lower Your Homeowners Insurance Cost If you’re buying a house, never let a mortgage lender tell you what you can afford. A lender makes more money when you borrow more money. And most lenders don’t really know everything about your finances. They just look at your income and do a quick calculation to tell you what they think you can afford. They Continue reading Homeownership: Your Mortgage and Other Financial Goals Many home buyers when they’re taking on mortgage debt don’t have the full 20 percent down payment that lenders want to see. That means more home buyers are getting stuck paying “Private Mortgage Insurance,” an added monthly charge that protects the lender if you ultimately can’t keep up with your mortgage payments. Traditionally, lenders would just Continue reading Mortgage Debt: How to Handle the Private Mortgage Insurance if You Don’t Have the 20 Percent Down Payment When it comes to planning for retirement, there are many, many questions to answer. But to Anna Rappaport there are just three that matter and perhaps one that doesn’t get enough attention: When should you retire? When should you collect Social Security? And what should you do about the equity in your home? If you get Continue reading Housing and its Effect on Retirement Retirement can seem distant when you have a mortgage for which you are still making payments. Here is how to retire when you still have a mortgage: If you have savings that you can tap into and you have a small amount left on your mortgage go ahead and pay off your mortgage. To facilitate that consider Continue reading How to Retire With a Mortgage |
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