mortgage application

What’s an adjustable-rate mortgage (ARM), and when might you want one?

mortgage applicationA fixed-rate mortgage is the most popular option for buying or refinancing a home, but it’s not the only option. While a fixed-rate loan provides the predictability and security of a mortgage payment that never changes, an adjustable-rate mortgage (ARM) may be a more appealing solution for some people and situations.

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file folders

How long to keep your tax, financial and other documents

file foldersWith the start of tax season, you’ll probably find yourself digging through paperwork in the months ahead. Depending on how many documents you have on hand and how well you organize them, this can be quite the task. To make your tax preparation easier, reduce the clutter in your home and keep your important information safe, now may be the perfect time for you to securely discard the documents you no longer need.

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credit cards

5 bad credit habits to break in 2019

credit cardsAre your credit habits ready for a new year resolution? If you’re like many Americans, you may be able to improve your credit health and your finances by changing a few of your credit practices. Here are five bad credit behaviors that should be broken in 2019.

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emergency notebook

How to create a home fire safety plan

emergency notebookWhile fire safety technology and firefighting techniques are more advanced than ever, the ultimate responsibility for fire safety in your home still falls on you and your household. The smallest errant spark can spread through a home in minutes, and if caught unprepared, children and adults alike may not know how to respond.

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How to – make a handmade bow

Bows add the perfect finishing touch to gifts, wreaths and holiday decorations. Here’s how to tie a beautiful bow to spruce up your holiday handiwork. 

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