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5 Easy Ways to Give Your Kitchen a Facelift

Tuesday, May 21st, 2013

In most homes, the kitchen is the center of family life. You cook, eat, and converse there, a gathering place when families today don’t have a lot of time to get together. Since you and your family spend so much time in the kitchen, you want it to be a place you love walking into, a place that functions the way you need it to, and a place that is up to date. If your kitchen doesn’t completely fit the bill, there are 5 easy ways to give your kitchen a facelift.

Appliances

When you want to update your kitchen and give it a modern look, stainless steel is an easy switch. For years now, stainless steel appliances have been the go-to choice for kitchen facelifts and for good reason. They are sleek and modern in appearance and of course, stainless, Read the rest of this entry »

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Buying a Home After a Foreclosure

Thursday, May 16th, 2013

If you are trying to buy a home after a foreclosure, its not a hopeless situation and the options are not as limited as you would imagine. Losing your home was bad enough, but the door is not shut; you still have options as to the next best moves you can take depending on two key factors:

1. Your bank

2. Your credit score

Let’s talk about a few opportunities that you can take advantage of so you can be in a position of buying a home after a foreclosure.

Time yourself

Your credit score will definitely Read the rest of this entry »

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Marketing May Mystery

Wednesday, May 15th, 2013

The ladies of the marketing team would like everyone’s help in identifying a culprit…a very thoughtful culprit. 

Last Wednesday, the marketing team was going about our daily business when a delightful mystery began to unfold. Michele and I were walking by my office after a meeting and she spotted a lovely vase of flowers on my desk. She asked me to spill the details of who the gentleman caller responsible for this might be, but as I reached for the card I saw that there was no sender listed! The marketing Kristen/Cristin(s) chimed in that they had also received anonymous flowers, and we soon discovered that every lady in the marketing department had been given this thoughtful, floral gift with a personalized message.

And of course, we’re the type-A, nosy sort of gals, so we did some sleuthing and mild interrogations of our fellow coworkers to determine the perpetrator. Being the PR girl who’s apparently sly with words, I was nominated to call the florist to see if I could get any clues. In my sweetest Texas accent, (this has a 98% success rate – it’s hard to resist a Southerner) I told the florist that the marketing team received some beautiful flowers and unfortunately the sender had failed to include a name so that we might send a thank you card. She said the sender asked to remain anonymous, but let it slip that it was a “he.” Hmm…

Seeing this as an opportunity for a little playful mischief, a couple ladies sent photos of their flowers to their significant others with exuberant “thanks yous!” But these lads were unfazed and immediately confessed that they were not the sender – and one even showed the photos off to his coworkers because he was so tickled by his lovely wife receiving flowers from a secret source.  

It’s been a week since this wonderful surprise, and we’ve yet to determine any concrete suspects. If you, or anyone you know, have information regarding the “May Marketing Mystery,” please contact the marketing department. Together, we can identify, and properly thank, this charming culprit.

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The History of Interest Rates

Tuesday, May 14th, 2013

Whether you’re an economy major or someone who just wants to learn new things each day, you would be interested to know that interest and interest rates have a long history throughout the ages. Though you might think that lending and interest would have been a relatively newer concept that just came in within the last 200 years, you would be surprised to know just how far back it originates.

Older than you think

Loans actually existed as early as about 4000 BC. Though the loans back then in pre-urban societies were loans consisting of seeds and grains and animals and tools.  People still had some sort of interest in paying their debts, as the seeds that they borrowed would yield more grain.
A similar concept of interest was applied Read the rest of this entry »

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Remodeling your Bathroom on a Budget

Thursday, May 9th, 2013

A beautiful and functional bathroom can provide you with a relaxing sanctuary that you will always be happy with. Many buyers that are in the market for a new home say that the quality of a home’s bathroom is a major influence on whether or not they decide to purchase a home. Plus, you can add resale value and enjoyment to your home by investing in your bathroom. 

While bathroom remodels can cost a lot of money, there are several ways of remodeling your bathroom on a budget:

  1. Choose the right time to remodel. If you begin your remodeling project during an off peak time for construction, you will be able to negotiate cheaper prices. Prime time for remodeling is different throughout the country, but often the early part of the year is a good time to start a project and save money.
  2. Remodeling your bathroom on a budget may require sweat equity. Read the rest of this entry »
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What can a Home Refinance do for Me?

Tuesday, May 7th, 2013

One of the many ways that financial experts have been telling people to save money is to look into having their home mortgages refinanced. You might be looking at engaging in a home refinance, but before you do that, you’re probably wondering if going with a refinance makes sense for you.

There are a number of ways that home refinancing can benefit you, including:

Lowers your interest rate.

When the economy was going well, interest rates were higher. This was done to keep inflation in check. However, when the economy hit a downward turn, the interest rates dramatically dropped. Read the rest of this entry »

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Adjustable Rate v. Fixed Rate Mortgages

Thursday, May 2nd, 2013

If you can place yourself in the enviable position of applying for a mortgage for your own home, count your blessings. Credit is tight right now and current homeowners can typically only refinance their mortgage loan. They certainly don’t have any chance of selling their home at a profit.

Banks Are in Hot Water

A few bad apples can certainly ruin a harvest. For many years, the banking community pushed adjustable rate mortgages on applicants that could ill afford any mortgage at all. These shenanigans set off the housing market meltdown that is responsible for starting the global economic chaos.

Take care and due your homework to accept the best situation possible. A source Read the rest of this entry »

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Home Loans 101

Tuesday, April 30th, 2013

Getting a home loan can be a major endeavor, and many first-time home buyers only have a basic understanding of how the process works. There are quite a few steps between choosing the home of your dreams, and actually signing the paperwork, and those that are knowledgeable about the process have a much better chance of getting a home loan that they are happy with.

Here are some Home Loans 101 basics that every prospective home buyer should know.

Step One: Finding a Lender

When you begin the search for a home loan, you will probably start with a lender rather than a home. This is because you won’t Read the rest of this entry »

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