Home Buying Will Home Prices Keep Rising? Homebuyers are getting a lot of mixed messages this year. Interest rates are near record lows, but housing prices are still rising. So should you continue to rent or go ahead and take the plunge to buy? That depends a lot on both your needs and where you live. You may be wanting more space for home […]
COVID-19 / Coronavirus Federal Court Strikes Eviction Ban U.S. District Court Judge Dabney L. Friedrich of the District of Columbia struck down a nationwide eviction moratorium Wednesday, calling it unlawful. Friedrich’s ruling applies nationwide. The eviction ban was put in place last year by the Trump administration using public health powers granted to the Centers for Disease Control and Prevention during health emergencies. […]
Home Buying Building Credit Without Credit Cards A credit card is one of the main ways to build credit. By using a credit card wisely and not running up huge bills and paying them off in full on time, consumers can improve their credit score. A good credit score can make getting a home, car and other loans easier, and at better […]
Home Buying Do sellers have to do repairs? Typically, buyers include a home inspection contingency in their purchase offer that allows them to ask the sellers for repairs and get out of the contract if the seller refuses. The seller can respond in a number of ways. They can readily agree to fix the problem, no matter how expensive. They can agree to fix any problem that’s a […]
Home Decorating Add Some Light and Life to Your Rooms Want to brighten up a room but don’t have the time to paint or the budget to add a window? Consider the following easy fixes: Hang a mirror. Hang a mirror (or lean a large one against a wall) to toss light around your room and open it up. Add metallics. Golds and silver accents will make […]
Home Buying What if there’s no supply? By the end of 2020, the number of homes listed for sale in the U.S. reached an all-time low. Supply sank below 700,000 homes nationwide, according to  realtor.com®’s Monthly Housing Trends Report, and that was before the availability of COVID vaccines. With consumers euphoric, it’s possible the spring homebuying season could have even less inventory available. If you want to buy a home, what do you do if there’s […]
Home Renovations 6 Shortcuts to a Smaller Utility Bill Looking to cut your energy costs? It can take years for a new, more energy-efficient refrigerator or other major appliance to pay for itself in savings on a utility bill. If that’s the path you want to take, this Energy Star calculator can estimate the amount of money saved by replacing an old fridge with […]
Home Buying FHFA Extends Foreclosure and REO Eviction Moratoriums The Federal Housing Finance Agency (FHFA) recently announced that Fannie Mae and Freddie Mac are extending the moratoriums on single-family foreclosures and real estate owned (REO) evictions until March 31, 2021. The foreclosure moratorium applies to enterprise-backed, single-family mortgages only. The REO eviction moratorium applies to properties that have been acquired by an enterprise through […]
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Home Selling 5 Overlooked Places to Clean Regardless of how much time you spend cleaning, there are likely to be a few places you overlook. Below are five frequently missed spaces that may need a little elbow grease. Baseboards. While cleaning, look down. The baseboards running along the floor may likely need a little TLC, as they commonly pick up dust and debris […]
Home Renovations Pros and Cons of Smart Appliances Smart appliances can make life easier and more convenient. Since the technology is relatively new, many manufacturers are still working out problems and resolving glitches. Before you purchase a smart appliance, it’s important to understand what they have to offer and to be aware of potential pitfalls. Popular Smart Appliances A smart refrigerator can make […]
Home Decorating Make the most of a small bathroom Unless you’re living in a custom designed home, you probably wish your bathroom—or your guest bath—was bigger. Short of pushing out the walls or totally remodeling, home editors at TheSpruce.com offer eight good tips for making the most of your bathroom space: Pick the right colors. Save the bright hues for accessories if you like, but […]
Home Buying How to Spot Foundation Problems The foundation provides support for your entire house, so keeping it level and in good condition is critical to the protection of the entire structure and the safety of your family. A foundation can become damaged by a variety of problems and natural occurrences. If you notice any of these warning signs, you should have […]
Home Buying How low will it go? Mortgage rates ended 2020 near a record low. Will record-breaking rates continue in 2021? Mortgage rates plummeted to historic lows this year, with the rate seemingly topping itself every week. As the year comes to a close, the average rate for a 30-year fixed-rate mortgage sits at 2.67 percent, more than a full percentage point lower […]
Credit Ratings Improving Your Partner’s Low Credit Without Hurting Yours If your partner brings poor credit to the relationship, it can be an issue you should probably fix together. A spouse’s poor credit score won’t hurt yours, and credit reports for both people don’t merge when they get married, but continued poor credit habits by a partner can affect each person’s credit score if they […]
Home Decorating How to Incorporate Wood Into Your Interior Design Whether you like a rustic, industrial or mod look in your space, the next time you’re considering an interior redesign, don’t miss out on decorating with wood. Floors If you can, wood flooring is one of the loveliest ways to use wood in your space. Choose a stain that compliments your space—like a light blonde […]
Investing Growth vs. Value Investing: Know the Differences Your investing style and tolerance for risk can help determine what type of stock mutual funds you invest in. The two main types of funds — growth and value — have different characteristics that can match your investing style. Owning a mix of both funds is probably a smart move, but it can still be […]
Information on Financing Fraud Alerts: How They Can Help You Victims of identity theft or fraud may feel they don’t have many options to protect themselves. An easy stopgap, however, is to place a fraud alert on your credit report. A fraud alert can be placed fairly simply. Contact one of the three major credit bureaus to ask that they place a fraud alert on […]
Home Buying Smart Thermostats: Top 4 Expert Picks Programmable thermostats let you set the temperature in your home and have the thermostat change it based on the time of day. What makes them ‘smart’ is that they can learn from your behaviors, let you control the climate remotely, show you energy consumption in real-time and even adjust themselves based on conditions like humidity. […]
Home Decorating Transforming your Bath into a Spa A long soak in a bubble-filled tub can feel like heaven after a hard day at work—and soaking in a bath that feels like a spa can elevate that happy relaxation. Here’s how you can elevate your home’s bath experience: Add some greenery. Place a pot of minty eucalyptus on the counter, or any bright […]
Investing Growth vs. Value Investing: Know the Difference Growth vs. Value Investing: Know the Differences Your investing style and tolerance for risk can help determine what type of stock mutual funds you invest in. The two main types of funds — growth and value — have different characteristics that can match your investing style. Owning a mix of both funds is probably a […]