• Characterized by bright colors, woven fabrics and handcrafted pieces, southwestern-style decorating takes influences from Native American, Spanish and Mexican art. Whether you live out west and want your home to reflect your surroundings, or you simply want to incorporate colorful or handmade items into your existing decor, here are some tips to help you...

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  • A new phenomenon is affecting the mortgage and real estate industries. People who bought a home or refinanced in the last few years have such a ridiculously low mortgage rate that they don’t want to move and have to accept a new mortgage with a higher rate. But the reality is that these people...

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  • This post is for all the gardeners out there! This time of year, we’re excited about combining our love of gardens with our love of prize giveaways. Whether you’re new to the gardening game or have years of experience in the backyard, this contest is for you.

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HOA Fees: What Do They Cover?

HOA Fees: What Do They Cover?

Consider HOA Fees When Purchasing a Home Purchasing a home requires you to make many decisions. Aside from which home to choose, you’ll have to consider the type of home, location and size as well. If you choose a condo vs. a single-family home, you will have to take HOA (Homeowner Association) fees into account as you plan your budget. Owning a condo has its advantages and disadvantages. For instance, condos give you the opportunity to enjoy your home without having to worry about mowing the lawn or snow removal, for example. However, these services are not free. HOA fees are the source of funds that are used to pay for these amenities. What Do HOA Fees Cover? Each association has different policies. This is why it’s wise to ask the seller for a list of the HOA rules and regulations. If the seller doesn’t have one available, you can ask for the name of the property management company who oversees the community in order to get more details. In general, these are some of the costs that can be covered by HOA fees: City Services- Including services such as trash removal, water and sewage. Insurance- This only includes insurance for damage of the outside of the building and the property around it. You still need an individual insurance policy to cover everything inside of the condo. Lawn Care- This includes snow removal, gardening and general lawn maintenance. Pest Control- Most HOAs schedule a monthly inspection from a pest control…

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Bonds Drop Following Decline in Job Claims Report – Market Update

Bonds Drop Following Decline in Job Claims Report – Market Update

Bonds opened relatively unchanged this morning and then subsequently dropped following a decline in the initial job claims report. In other news, the European Central Bank raised their rates by .25 percent in an effort to curb inflation. That decision came not long after Portugal put in a request for a bailout, which estimates say could reach $130 billion, and also at a time when many countries are in need of capital.

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