Green rooftops are a trending thing here in the United States and all around the world. Besides just being beautiful a rooftop garden has a plethora of benefits such as producing food, reducing carbon dioxide, emitting back oxygen to breathe, cooling down the area and reducing energy consumption and expenses.
One of the largest financial expenditures we face in our lives is that of buying a home. Proper budgeting before taking that final step to buy a house is crucial to making the process easier and stress-free. Here are a few tips we put together to budget wisely and effectively to make a mortgage more manageable.
It inevitably happens to everyone who rents. You get a letter in the mail or tacked to the door saying your rent is going up. Often the rent hike is bearable, and you can deal with it, however, sometimes the rent increase can be shockingly high. When your rent increases significantly you immediately begin to wonder if you should move out and more affordable rental. The real question is how to know when your rent increase is high enough to warrant a move and ultimately if you should buy or continue to rent.
When you apply for any type of credit, a lender will perform a hard pull on your credit report. But when getting pre-approval or when an employer checks your credit you will usually see a soft pull on your credit. But what is the difference between a hard pull and soft pull on your credit profile and when can you expect to see either type of pull? Knowing the difference between each kind of credit pull can help you in controlling your credit scores. So let us take a look at the two kinds of pulls, what each does to your credit score and in which scenarios can you expect to encounter either type.
Have you ever thought you might be cleaning too much? You might be surprised to learn that cleaning too much is actually a thing. Stop wasting your time and expending your energy on doing too much of a good thing.
Take a look at this list of things you may be cleaning too much and maybe let yourself put some of these tedious chores off just a bit longer next time around.
Buying a home is a great long-term investment. Unfortunately, just buying a home for most people is not that simple. Before the market crash in ’08, it used to be relatively easy to get a loan for a home. Every bank in the country was lending money to people that did not qualify, and we all saw how that turned out in the end. Since then, however, the standards for lending have become much tighter. While that can be a good thing on the one hand, on the other, it puts more of a strain on those who are right on the cusp of being able to buy and have now had to put off buying for a few years.
If you have ever been to Seattle Washington, you know that it an amazing city with a great atmosphere and vibe. Seattle is one of the top cities in the country for some things, Kiplinger’s named Seattle THE city of the next decade. Nearly four million people call Seattle home, and the majority of them easy going and friendly. Diversity is a big deal in Seattle and is shown through by the cities many cultural events. If you love coffee, you will find that it is fantastic in Seattle. There are plenty of fresh and local restaurants to be sampled, which serve up some of best food you will find anywhere.
No matter your background, sex, age, marital status, or parental status you often have to make financial decisions. Sometimes these decisions are big and take a ton of research and time to come to a decision. Others are small but still important. The decisions we make around our money guide us along in life and touch almost every aspect of every other decision we have to make. Here are some lessons the staff here have learned about how to make smart financial decisions.
Water conservation is something we should all be mindful of, but depending on where you live in the United States, water usage concerns can vary drastically. For example, in the state of California water conservation is a topic most residents have been personally affected by, as such most people make an effort to conserve as much water as possible. However, in some states, such as Florida or Louisiana, there is no water shortage, so people do not give much thought to conservation efforts. State variances aside, year to year there are a growing number of states in the Union who are expected to have water shortages. As the number of states continues to increase, it signals a wider spread problem for the country as a whole. Our climate is changing, and potable water is becoming an increasingly scarce resource.
When renting an apartment or a home, most renters think they are stuck with whatever comes with the rental space. While a lease agreement may state that you can’t remodel or repaint any areas of the rental, there are still a ton of things you can do to get some cool upgrades without making permanent changes. The great news is that you can take these upgrades with you to your next rental or your next rent-to-own home.