A Primer for First-Time HomebuyersShare|(NewsUSA) - Sponsored by GAF - Finally ready to take the plunge? Join the club.After having waited on the sidelines for what seemed like forever, first
Service For Life Team Here Are Some Helpful Tips On Healthy Wealthy And Happy Living ENJOY
STEVE SCHROEDER SERVICE FOR LIFE TEAM Inside This Issue...
Financial Tips for New Graduates...
Is it a Cold or Something Else?...
Fun Facts and Laughs:
Real Estate Q&A:
P.S.When you notice people talking about real estate in the next few weeks, can you tell them about the free consumer information I provide?
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Today's Brain Teaser . . .
Financial Tips For College Graduates
Don't ignore debt.Get a plan in place as soon as possible to pay off credit cards and loans. Pay AT LEAST the minimum due every month, and make extra payments when possible. Put extra money toward those debts that carry the highest interest rates first.
Start saving.Even as you pay off debt, it's important to save money from every paycheck. Tuck some away for retirement, and establish a savings account covering at least three months' worth of living expenses. A steady, more generous paycheck is a nice addition to a new, professional lifestyle, but it is still essential to be financially prepared for any changes in the future.
Take advantage of employer matching retirement plans.Many corporate employers will match a certain percentage of retirement contributions deducted automatically from your paycheck. If at all possible, invest the maximum amount that your employer will match.
Reassess accounts and credit cards.Do a bit of research and make sure the checking account you have makes the most sense for your financial situation. Is there a bank or account with more flexibility and better benefits? The same is true for credit cards: Make sure you're getting the lowest interest rate possible and any earned rewards match your lifestyle and interests.
Find a side gig.Whether you walk dogs on the weekend or put creative skills to use with a freelance contract, a little extra money can go a long way to cushion the bank account fresh out of college.
Thinking Of Selling Your Home Soon?
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Could It Be A Cold?
Your senses of smell and taste aren't up to par.
You are thirstier than usual.
You feel muscle aches and pains in unusual places, such as the scalp.
You have particularly vivid or unusual dreams.
You find it hard to focus on a task or aren't interested in socializing.
Your eyes are more sensitive to light than normal.
It might be more thanjusta cold if:
You suffer from severe headaches.
You just returned from a trip, especially if you were abroad.
You continue to experience many symptoms after four days.
You experience a low-grade fever for several days.
Your symptoms are in one location, such as the throat or an ear.
Here's A Free, Valuable Resource. . .
Fun Facts and Laughs
Thepeace lilyremoves mold spores in the air and is relatively low maintenance. Though it can adapt to low light, placing it in a well-lit area will keep it flowering almost nonstop.
Colorful or striking-looking plants likecactiorbird of paradisecan add a fun touch to this lively space.
In the bedroom:
Weeping figsremove airborne toxins and increase oxygen levels, allowing for better sleeping conditions.
French lavenderpromotes calm and serenity.
If you have ample sunlight, addaloe, which purifies the air.
In the bathroom:
Chinese evergreenis durable and the soil should be kept moist – perfect for a humid room!
Fernsthrive in environments with low light and high humidity.
In the kitchen and dining room:
Golden pothosare good hanging plants, so they don't take up precious counter space.
Bamboois simple to care for and makes for an interesting table centerpiece.
Fromrosemarytomint, any sort of herb is welcome in the kitchen.
Choose a car seat that best fits a child's weight, size, and age as well as your vehicle's design. Learn how to use the seat you purchase.
Look for a car seat label that notes the seat meets or exceeds Federal Motor Vehicle Safety Standard 213.
Don't use a car seat that is more than six years old, shows signs of wear, or has been involved in a car accident.
Upgrade car seats as the child grows. Infant-only seats should always face the rear of the car. Kids two years or older, or those who outgrow the height/weight requirements for rear-facing car seats, should use a forward-facing car seat as long as possible.
Check installation with the help of a certified child passenger safety technician at a child car seat inspection station. These are often hosted by local health departments, fire departments, and hospitals.
Please note: Laws vary by state. Check out your local regulations atdrivinglaws.aaa.com
Take a video as you walk away from the car. This will help you retrace your steps back.
Add something to your car to make it more noticeable, such as a colorful antenna topper.
Always park in the same type of area, such as always on the top deck of a parking garage or by an intersection of two streets.
If you carry a smartphone, pin the location of the car in a map before you leave it.
Please Welcome New Clients And Good Friends Into Our Real Estate Family. . .
Trivia Challenge for the Month...
a) Franklin D. Roosevelt
The answer is a) Franklin D. Roosevelt. The other runner-up was Mahatma Gandhi. Let's move on tothismonth's trivia question.
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Brain Teaser Answer:
Real Estate Q & A . . .
Offering updated ideas about your home's condition, staging and asking price.
Using all advertising avenues, including the Internet. Did you post compelling pictures of your home the first time you tried to sell it? Did you include a virtual home tour? A drone video of the area?
Posting on social media. Does this person use Facebook to showcase properties (in an appropriate manner)?
Getting the attention of other REALTORS®. Does this person have contacts with REALTORS® who are already working with out-of-town buyers who may be moving to the area?
To learn more about how to sell your home the second time, call and ask for my Free Consumer Report called"4 Tips To Guarantee Your Home Sells The Second Time."I'll send a copy right over to you.
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Latest Blog Posts
It is wonderful to have apps to look at homes day in day out. Have you ever thought there might be and easy way to get the information immedaitely. Right now with the inventory as low it is