Are you having a baby? Here’s a handy, downloadable PDF with a list of 50 essential items you’ll need for your new baby. Whether you’re sorting through your baby shower gifts or drafting your shopping list, these tips may help you figure out what you need most.
Although vacationing during the cold winter months is exciting, it’s important to take care of all the mundane details before leaving your home for a significant amount of time. Nobody wants to worry about the safety of their home while vacationing, and you won’t have to if you take these steps.
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...
Interest rates can have a substantial impact on your life. Your mortgage, car, credit card payments, and investments – like stocks and bonds – are all based on interest rates. Lower interest rates allow you to purchase a larger home or refinance to take advantage of lower monthly payments. How Do Changes in Interest Rates Affect Home Mortgages? Interest rates directly affect home mortgage rates. If interest rates are high, your loan payments will be greater. If you are looking to buy a home, this means you will probably not get as much square footage per dollar. On the other hand, high interest rates can help to curb inflation. This means the price of goods like food and gasoline will stay relatively low, and your paycheck will go further. If you’re locked into a fixed-rate mortgage at a low interest rate, your income will stretch even further. And if you’re able to save that extra cash, you’ll be prepared to shop for a larger home when interest rates go down. When interest rates are relatively low — especially if they drop to record lows — it is an ideal time to consider refinancing your home, particularly if you have an adjustable rate mortgage (ARM) that is set to increase soon. With a 30-year fixed mortgage, you could lock in the low rate and never have to worry about your payments increasing, no matter what happens to overall interest rates. How Does the Federal Reserve System Affect Mortgage Interest Rates? The U.S.…