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Friday, February 12, 2021   /   by Julie Paschal

Prep Your Pets for the Big Move

Prep Your Pets for the Big Move

Your moving day is set and it’s time to start preparing.  As you’re making your lists and checking them twice, don’t forget to factor in your furry friends.  Here are some tips for making sure the process goes smoothly.

Medical records.  When moving to a different city or state, one of the main things you need to take into consideration is finding a new veterinarian that is the right fit for you and your pet.  If you have family or friends in the area, ask for recommendations or do your own research by reading reviews and news articles.  Once you find one, contact your current vet to initiate a transfer of medical records.  Then schedule a “get to know you” appointment shortly after your move.

Transportation. Whether it’s a short drive or a long plane ride, your pet will likely need to be put into a carrier.  For most pets, this is a foreign concept, and they require time to . ...

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Friday, February 5, 2021   /   by Julie Paschal

How to Get Ready for Retirement

How to Get Ready for Retirement

For most people, retirement feels like a long way off.  But, if you don’t start preparing as early as possible, you may find yourself in a place of financial insecurity when the time does come.  To avoid this, consider implementing the following tips.

Calculate your target savings.  In general, its recommended that you save between 10 to 15 percent of your income for retirement.  However, you can always use an online savings calculator to determine the amount you need to save for your specific needs and goals.

Contribute to your employer’s retirement savings plan.  Does your job offer a 401(K), traditional IRA, or Roth IRA?  Sign up and start saving as soon as they allow you to.  It’s recommended to set up automatic paycheck deductions and, once the money is in your retirement fund, don’t touch it.

Take advantage of employee benefits.  Many employers offer matching which generall. ...

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Friday, January 29, 2021   /   by Julie Paschal

The Difference Between Home Warranty & Home Insurance

The Difference Between Home Warranty & Home Insurance

When purchasing a new home, its important to do in-depth research on all facets of the homebuying process.  One thing you will need to understand is how to best protect yourself and your investment if anything were to go wrong.  Check out the information on home insurance versus home warranty below to educate yourself on your options.

HOME INSURANCE:  Homeowners insurance pays for any accidental damages and loss that are caused by fire, lightning strikes, windstorms, and hail, however damage from earthquakes and floods are typically not covered.  It also covers the replacement of personal property in case of theft or damage and liability if a person were to get injured in your home or on your property.  According to American Home Shield, the average annual cost of a homeowner’s insurance policy ranges between $300 and $1000 and the bank usually asks you to obtain a policy before the mortgage . ...

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Friday, January 22, 2021   /   by Julie Paschal

Style your She Shed

Style your She Shed

She sheds allow the woman of the household a tranquil sanctuary where they can step away from the hustle and bustle of their home lives.  Here are some must-haves for your she shed! Decor. The option for decorating your space are endless.  Whether you go modern, rustic, or cozy, the choice is all yours.  Some items to consider are framed photos of family, friends, and pets, a letter board for fun sayings, colorful paintings, mirrors, and plush or colorful rugs. Plants.  Whether you have a green thumb or not, adding real or fake plants into the mix can help create a Zen, calming space.  Some easy-to-maintain plants include succulents, snake plants, air plants and parlor palms.  Freshly cut flowers can also liven up the room. Lights.  Selecting the right lighting can really affect the ambiance of your she shed.  Some options to consider include string lights, unique floor or table lamps, chandeliers, candles, and light dif. ...

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Friday, January 15, 2021   /   by Julie Paschal

CLOSING COSTS 101

When purchasing a home, there are several fees you must understand and factor into your budget before you hit the closing table.  Here is what you need to know: What are Closing Costs? Closing Costs are fees for services required to finalize your mortgage.  Typically, the buyer is responsible for paying these costs unless otherwise negotiated to have the seller contribute.  Fees include (but certainly are not limited to) attorney, appraisal, inspection, government taxes, title insurance, home insurance, mortgage insurance, and property taxes. How much are Closing Costs? According to Zillow.com, closing costs usually total about 2 to 5 percent of the home's purchase price, and they generally vary depending on the property purchased and state you reside in.  Your lender will provide you with an estimate of your closing costs following your loan approval, and although that number can change slightly, your final costs should be similar. How can you reduce your Closin. ...

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