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Buying a home is a big deal. Here are a few of the best-kept secrets you need to know before buying a house.  Secret #1 The first secret for purchasing a home is to scope out the neighborhood you are thinking of buying in and do it a lot. The reason you should do this is to see if it is an enjoyable place to be and that it is a neighborhood you could envision yourself and your family being a part of.  Driving by at different parts of the day is important to notice any commonalities....
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Conduct A Closet Cleanout  Spring is a time for cleaning, so why not address your closet? As the warmer weather comes, we are reaching for the sweaters less and less. It’s a great idea to do a deep dive into what you have in your closet so you can get rid of items you’ve not worn in ages as well as find some items you forgot you had. Decrease your urge to purchase new by organizing what you have in a way you can easily see all your options to pick from. You most definitely will...
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Spring is here and that means we’ve got some spring cleaning to do! This year, you’ll want to be sure to add ‘budget’ to your to-do list. Spend some time doing a deep dive into your finances and budget plan to boost determination for the rest of the year. Give yourself a budget refresh with these 4 tips.    1. Review and Refresh   Reviewing and refreshing your budget is something that should be done periodically. Life changes, there are new expenses,...
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Thinking of selling your home shortly? We’re here to share some easy springtime renovations to provide you with the greatest return on your investment. Spring cleaning is lots of fun, but a spring renovation, that’s what will give you the biggest bang for your buck!   Replace the garage door.   Replacing the garage door not only contributes to fantastic curb appeal, but the functionality will grab the attention of potential buyers when you upgrade to a more modern...
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  Financial literacy might be attained easier for all of us if we were taught these vital lessons in our early years. A child’s view of money is formed at an early age. It is important to help your children build good behaviors and attitudes towards money as early as possible. Most kids get their own money through gifts or an allowance, so now is the perfect time to start teaching them about financial literacy. Here are some quick and easy ways to help you start the journey of responsible...
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  The coronavirus pandemic has been behind a plethora of undesirable changes — the cost of food staples rising being one of them. No one wants to spend more than necessary. While the expenditure depends greatly on where you shop and what you buy, there are many little things you can do to curtail unnecessary spending. These savings can add up over time. Sign up for a loyalty program Most if not all grocery stores have a loyalty program that is free to join, more often than not....
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When we think of cybersecurity and cybercriminal activity, we often think about businesses being at risk. It’s important to know that anyone can be affected, so there are certain precautions to take when it comes to protecting yourself and your personal information.    Things to Keep an Eye Out For:   1. Unusual Account Activity   One reason why it’s crucial to have notifications turned on for your bank accounts is so you can be alerted when withdrawals...
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Paying off student loans isn’t going to happen overnight – it takes time, and most importantly, discipline. There are some steps you can take to speed up the process and be debt-free sooner rather than later. If you’re in need of some advice on this subject, you’re in the right place.    1. Pay MORE than the minimum.   If you’ve only been paying the minimum, odds are you haven’t seen a whole lot of progress. Plus, the interest you’re...
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Whether you’ve barely thought about retirement or are nearing the typical retirement age and want to know how to go through the transition properly, learning about the process is always a good idea. Learn from the mistakes of others and avoid these common mistakes:  Putting Off Retirement Savings  Don’t keep putting it off – the time to start saving for retirement is now. The earlier you start, the less stressed the retirement process will be. A CD or IRA is...
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When it comes to older individuals, cybersecurity is something that can be commonly overlooked. Instead of hoping for the best, it’s important that we take steps to educate those who might not know how to spot cybercriminal activity. Here are some important things to remind your elderly loved ones:  Even if an email looks legitimate, there’s still a chance it isn’t.  Cybercriminals do a great job masking their identities by making emails and messages look like they’re...
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