Selling the homestead and planning to downsize?
The real estate website Zillow analyzed data from over 32,000 homes and discovered that certain colors on the walls of individual rooms could actually increase the value of your home.
- A kitchen painted a soft blue-grey increased the home’s value $1,809.
- A powder blue or periwinkle bathroom increased the value $5,400
- A Cerulean or cadet blue bedroom realized an $1,856 increase in value!
Have fun painting this weekend
Want to save some money? Here’s a way that’s worked for others.
You know those streaming services for TV and even satellite radio? When they shift you onto their regular, much more expensive plan, call them and tell them you want to cancel because it’s too expensive.
Most likely they will work with you and offer you a lower rate.
We know someone who does this every year with their satellite radio provider and has wound up paying only a fraction of what their rate is supposed to be. Try it. You have nothing to lose and you could wind up saving a bundle!
Did you know a will dosn't have to be a long, complicated process? And you defintely should have one! Dying without one can leave your estate in chaos.
The internet comes to rescure again. You can create your own will at FreeWill - no fee, online will writing service. Other low-cost alternatibves can be...
- LegalZoom ($69-$149)
- Rocket Lawyer ($40/month ,e,bership)
- Quicken WillMaker Plus (Do-it-yourself software $80)
It’s that time of year again. Many of us will be traveling from our “regular” homes to spend the winter in warmer states like Florida or Arizona.
Be careful. Law enforcement warns that you may at risk at home and away.
Before you leave: Make sure you have one of or more timers set for the lights in your winter home. Also, recruit a friend or family member who’s staying put to check your house periodically to make sure the driveway is shoveled and to pick up any “penny shopper” type newspapers that aren’t held or forwarded by the post office.
When you arrive: If possible, confine all your purchases to a single credit card. That will make it easier to monitor to ensure that no one you encounter during your winter stay has stolen your card number and is making unauthorized purchases or using that card to open other accounts under your name.
Many of us do a year-end review of our finances.
Don't overlook shopping around for banks. If your bank is charging you for checking or paying barely any interest on your savings, it may be time to shop around. Many community banks and credit unions offer free checking and online banks often have better interest rates on savings accounts, frequently with no minimum blanace.
So it pays $$$ to shop around!
Ever been worried you might lose your job because you were getting too old?
Relax. Many employers are now looking specifically at hiring and retaining workers over the age of 60. Why? Because of their knowledge, work habits and temperament.
For example, 10 years ago 9% of the workforce at CVS pharmacies was over age 50. Today, it’s 24%. Other employers looking to hire older workers include United Healthcare, ATT, the Hartford and more!
Okay. You’ve retired and now you’re thinking of moving to your dream state. When you arrive, do you buy a new home/condo or rent?
Here’s what the experts say…
Buying a home is good financial decision if you’re planning on owning for 10 years or more. Often times your dream state turns out be less than you hoped. So those in the know say you should rent first, for a year or two, to see if like the area before actually buying. Now you know.
Oh, and wishing you a long and happy retirement!
Every get those call s from groups that claim to help your local police or fire fighters? Beware!
Many times, these are groups that have incorprate with names like "police BEnevolent Organization," but they have no connection to your local first responders. Even if they are legit, they may also be professional fund raisers that can take as much as 90% of your money, leaving only 10% to help your local firefighters and police.
If you want to help, experts suggest you call your local police, fire or EMT departments and ask te best way for you to donate..
Do you ever receive an email claiming to be from FedEx, UPS, DHL, Amazon or some other business involved in shipping that’s notifying you that a shipment is coming your way – when you know you never ordered anything?
Beware. Courier cons are on the rise. Bogus shipping confirmations contain links that once clicked deliver malware to your computer!
Experts always recommend that you never click on links in these types of emails. Instead, go to the bona fide website of the business that claims to be contacting you and check it out from there.
Once you’ve retired, experts say it makes less sense to lease a car than to buy it outright.
Here are their reasons:
1.) While lease payments may be lower than purchase payments, over the long run, buying costs you less over the long run. That’s because after you pay off your car (typically in 5 years), you can drive payment free for as long as you care to continue owning the vehicle.
2.) You don’t have to worry about mileage. Typically, when we retire, travel is one of the activities that tends to increase. With a leased vehicle, you pay penalties for driving more than 12,000 to 15,000 a tear.
3.) Should your lease vehicle be involved in an accident that totals the vehicle, you may be liable for an “early termination fee.” You may be able to avoid such a fee by purchasing gap insurance, but that insurance also creates an additional expense you don’t have with a purchased vehicle
4.) Typically, your regular insurance may be higher as well as the leasing agency requires you to carry a higher accident liability than you might purchase if you are buying the car. This is because the lease vehicle is still legally the property of the lease company. If it’s involved in an accident, lawyers for the other party usually go after the lease company, figuring they have “deeper pockets” than the driver. To protect themselves, lease companies require you to carry higher liability insurance.
However, if you’re the type that likes driving a fancier car than you may be able to purchase or if you like having a new vehicle every 3 years or so, then leasing might still be the way to go no matter your age!
You know the situation. You’re calmly surfing the web on your PC or laptop when all of a sudden a big pop-up window appears and a loud voice comes over your speakers warning you that your computer is dangerously infected with a virus or malware. There is just one problem…
Real anti-virus/anti-malware programs do not operate like this. They do not take over your computer with loud voices or screens you cannot close.
Your computer IS in danger – but from the source of the pop-up.
If you get one of these pop-up warnings, here are some steps to remember:
1.) Do NOT click anywhere on the pop-up window
2.) Do NOT take any action the pop-up window is urging you to take (like call a toll-free number)
3.) If possible, immediately closer your web browser.
4.) If that’s not possible, reboot your computer immediately
5.) If all that fails, get your computer to an authorized repair center as soon as possible.
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