Monday, March 9, 2020 / by Shannon Eagan
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, it’s recommended that you save between 10 to 15% 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 generally requires you contribute a certain percentage of each paycheck and y ...
Friday, March 6, 2020 / by Shannon Eagan
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 both 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, you pet will likely need to be put into a carrier. For most pets, this is a foreign concept, and they require time to get comfortable with it! Start acclimating your pet as early as possibl ...
Wednesday, March 4, 2020 / by Shannon Eagan
When purchasing a new home, it’s important to do in-depth research on all facets of the homebuying process. One thing you’ll need to understand is how to best protect yourself and your investment if anything were to go wrong. Check out the information below on home insurance versus a home warranty to educate yourself on your options.
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 is 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 $1,000, and the bank usually asks you to obtain a policy before the mortgage is issued.
Make sure to keep in mind that each type of coverage in th ...
Monday, March 2, 2020 / by Shannon Eagan
In this day and age, our smartphones have become just another limb, permanently fixed to our bodies. So, the idea of keeping phones out of the bedroom seems like such a foreign concept. However, here are 5 reasons why you should give it a try today!
Minimize temptation. Even if you think you have strong self-control, with your phone within arm’s length, you are much more tempted to play that additional game of solitaire, or scroll through Twitter for just another 15 minutes. This results in staying up later and later, which can readjust your internal clock, making it harder to fall asleep.
Ease your brain. Whether you’re scrolling social media, texting your significant other, replying to emails, or skimming the news, you are using and stimulating your brain. When you finally do put down the phone, your brain is still on overdrive. Try reading a book, meditating, or doing yoga instead to put your brain in a relaxed state.
Lessen disturbed sleep. One of the most ...
Friday, February 28, 2020 / by Shannon Eagan
Downsizing your home is not just for empty-nesters. There are numerous reasons and situations where this path could be the right one for you and your family!
Owning a large home and property comes with large responsibility, like multiple rooms and floors, a large yard, and maybe features like a deck or pool. There is a lot of upkeep and cleaning that is required to keep a home looking and functioning at best! One common reason homeowners are looking to downsize is to reduce the time, energy, and money spent on those activities, leaving them with more time to do the things they truly enjoy with the ones they love!
When downsizing to a smaller home, you allow for an increase in your monthly budget. Not only does your mortgage and maintenance cost less, but so do your utility bills, insurance, property taxes, interest payments, and furnishings. This is a great option for those who want to put their children through college, save for retirement, or p ...