Thursday, February 23, 2012
   
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Home Finance

house_on_calcIgnoring the financial aspects of home ownership or renting is simply not an option in these times.  In fact, taking a small amount of time to be informed about your eligibility for financial offers, like refinancing to a lower mortgage rate for example, can result in savings of thousands of dollars.

If planning is not your strong suit, browsing the Home Budgeting category can at least provide topics to consider.  For example, putting aside a fixed amount each month for home maintenance expenses can give you relief when a pipe bursts or a roof leaks unexpectedly.  Keeping better track of expenses can be a real eye opener when you discover where most of the money is actually going.

Ever wonder why those Home Improvement Center parking lots are always hard to get into?  Home improvements and repairs are inevitable and these centers have information and affordable supplies to get most jobs around the home done for less. 

Home owners insurance is something we don't tend to think of much because mortgage lenders require that we have it.  It is worth looking at the policy details, especially if you live in certain areas where the risks of floods, hurricanes, and other natural disasters are more likely.   These special events are not usually covered unless you specifically ask for them so consider your geography before you shop for a policy.

Click on any of the articles in the category groupings below to become more informed about home finance.  When you're done reading, use the 'Article Categories' menu to explore the other categories.   Contact us if you need any help finding what you need.
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Home Budgeting

High-end furnishings could offer home savings this fall

Homeowners who want to spruce up their interiors in time for the long months of winter may want to look for shopping deals and steals to help them furnish their home for less. While many stores may be running back-to-school style specials on products, those with a preference for high-end furnishings who do not have a high-end budget may want to check out the latest offering from Target.

Missoni, the opulent home décor designers...

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Home insurance extras may make for home savings

Most mortgage lenders require some type of homeowners insurance before a home loan is granted. However, a typical policy may not cover every possible disaster that can affect a home. Those families that live in areas that are prone to flooding, hurricanes or earthquakes may want to consider bulking up their policies. While purchasing additional home insurance may seem like a burdensome expense, it may actually make for more home...

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Financing options to help fund home remodeling projects

Homeowners often want to conduct home improvement projects. However, funding them can be troublesome if they don't have enough saved up. According to Read More...

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Home Insurance

Homeowners Insurance Basics and The Benefits of Having Protection in Case of the Unexpected

Homeowners Insurance Basics and The Benefits of Having Protection in Case of the Unexpected

Homeowners insurance is a term used for home contents and / or buildings. While it can’t replace what you have built up for many years in memories, it can help to replace your possessions if they are damaged or lost. Household insurance covers the majority of your belongings in the home up to a certain amount and this is stated at the outset of the policy for which you pay a monthly premium.

The majority of standard homeowner...

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Reasons Why Renters, As Well As Owners, Need Homeowner Insurance

Reasons Why Renters, As Well As Owners, Need Homeowner Insurance

Probably. Consider that a home is not just the building, but the stuff inside.

Your landlord’s insurance covers damage to the structure, but if you want to protect your belongings - your wide-screen TV, camera, and four-poster bed - you’ll have to buy your own policy.

Renter’s insurance (which is usually much cheaper than homeowner’s) covers losses caused by everything from fire, hail, and falling objects to...

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The Fine Print About Homeowner Insurance Protection

The Fine Print About Homeowner Insurance Protection

Homeowners insurance is one of those things that we often buy because we have to. When purchasing a home, the mortgage lender requires that the buyer purchase insurance to protect their interest in the property. But even if you own your home free and clear, homeowners insurance is something you need.

A good insurance policy will protect your home from a variety of hazards. These generally include, but are not limited to, fire,...

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Other Money Matters

Top trends in home remodeling

While many homeowners conduct unique home remodeling projects, there are certain trends which have become popular among a number of homeowners throughout the country this year. The Read More...

Homeowners undertaking mostly DIY home projects, delaying bigger ventures

Despite a desire by many homeowners to conduct home improvement projects this year, a report by the research firm Read More...

Teaching Your Children the Financial Facts of Life

Teaching Your Children the Financial Facts of Life

HomeESP personal finance article provided by Paul Kandel, Financial Advisor at Morgan Stanley Smith Barney LLC. By default, parents are usually the primary source of a financial education. However, many young people may receive allowances—or even sizable inheritances—without a sound base of knowledge in saving, budgeting, investing and financial planning. To help the children in your life develop a responsible attitude about money,...

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