by Karen Tyrrell

Do you love the smell of a bookstore? Does the idea of curling up on the sofa or in bed with a good book on a rainy afternoon with hot tea and your dog and/or cat on your lap while everyone is away and you probably should be doing something else but you're not because the book is getting really good and you don't know when you'll have another chance to read again so you're doing it now sound good to you? Was that too specific a scenario? Either way, if you love to read then you might enjoy this article because I have read loads of terrific books recently and would love to share a few of them with you.

Before I get into the book suggestions, you may be asking yourself, "are there any small, locally owned bookstores or a used…

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by Jenn Heller

Selling a home can be a complex and often stressful process, especially when it comes to making necessary repairs to close the deal. However, in certain situations, the option of selling a property "as-is" can be an appealing alternative. When you sell a home as-is, you're essentially telling potential buyers that they will receive the property in its current condition, and negotiations won't involve major repairs or renovations. In this article, we'll explore what it means to sell a home as-is, how it works, and the key considerations for both sellers and buyers.

What Does Selling a Home "As-Is" Mean?

Selling a home as-is essentially means that the property is being offered in its current state, and the seller is not willing to…

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By Aaron Bacus

Are you thinking about buying a home? The prospect of being a homeowner is so exciting! However, before you dive headfirst into the whirlwind process, there's a step to consider: your credit score. Your credit score plays a pivotal role in determining the mortgage rate you'll qualify for, and understanding this relationship is vital for securing the best possible deal on your home loan.

Let's break down the ins and outs of how your credit score affects your mortgage rate and discuss ways to improve your creditworthiness.

credit score for mortgage

The Credit Score-Mortgage Rate Connection

Your credit score is a three-digit number that reflects your creditworthiness, providing lenders with a snapshot of your ability to manage debt responsibly. Mortgage…

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by Jenn Heller

Are you thinking about the idea of "aging in place?" Well, it's a pretty important decision, and the first thing you need to do is check if your current home can be adjusted to fit your needs as you get older. Let's break it down for you.

As we all get older, we face this choice: do we stay in our own homes or move to a senior living community? Nowadays, more and more families are choosing to stick with their homes, and they call it "aging in place."

Aging in place can mean different things to different people. We will summarize by saying that The National Institute on Aging says essentially it involves residing safely, independently, and comfortably in your own home and community, regardless of your age, income, or abilities. …

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by Jenn Heller

If you've noticed that pickleball has taken over the scene among all the rec fields in your neighborhood and all your friends are obsessed, you wouldn't be alone. Recent statistics show that pickleball has claimed the title of the swiftest-growing sport in the United States, with a nearly 40% boost in popularity over the last two years. The player count has risen to a national tally of more than 4.8 million with even noteworthy figures like Tom Brady and LeBron James heavily invested in the sport.

Looking to join in on the craze yet unsure of all the rules and lingo? In this article we're diving into the world of pickleball rules! We've got you covered from paddles to those fancy shots and any sneaky pickleball slang that might bounce…

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by Jenn Heller

So, your new home purchase is on the horizon with a "pending" status; congratulations! You've successfully navigated inspections, and negotiations, and the offer has been accepted. But what does "pending" really mean? In this article we will be shedding light on the intricacies and offering valuable insights for both buyers and sellers on the pending status in real estate.

Once a buyer's offer is accepted, the home enters the contract stage. The buyer has inspections performed and can back out based on inspection results or negotiations. Properties can be "contingent under contract" and "taking backup offers," if additional conditions exist beyond typical inspections, appraisals, and loan approvals. Once these contingencies are…

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by Willow Logue

Most of the discussions around buying and selling are financial. For many, owning a home is the single biggest investment they will make. Even if it's not, understanding the finances is a very big part of the consideration. Lately, with current mortgage rates hovering around 7% and inventory low, all the headlines can be discouraging. However, even when all the financial aspects are perfect, seldom does the dream house come on that ticks all the boxes (price, location, living space, pool, etc). If the dream does materialize, usually it's someone else's dream too.

Thus, buyers (and sellers) should also consider the unquantifiable joy a home might offer. What will buying or selling bring to your life? What freedoms, life experiences or…

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by Jenn Heller

Elder fraud is no small concern, with the FBI reporting a staggering $900M+ loss for Americans aged 60 and above in 2020 due to scams. And this is not just limited to the U.S.; it's a global concern as cybercriminals increasingly exploit online scams to target older adults, particularly those living independently. The financial implications of falling victim to scams are evident. Losses can deplete retirement savings, disrupt plans for inheritance, or compromise daily expenses such as bill payments and groceries.


Identifying Elder Fraud Schemes

Fraudsters employ an array of methods to exploit individuals, but understanding common types of financial scams targeting older adults is key to…

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by Grace Bennett

My first year at University of Central Florida coincided with the onset of the COVID-19 pandemic, and let me tell you, it turned everything on its head. The typical college experience I had envisioned was replaced by a mix of remote learning, social distancing, and face masks. It felt like a whirlwind of uncertainty and adaptation, but looking back, it’s clear that everyone’s college journey is unique, pandemic or not. As time went on, I realized that while the circumstances were challenging, they didn’t define my entire college experience. Adapting to virtual learning made me more disciplined and proactive in managing my time. Zoom study groups and online forums became my new way of connecting with peers, and they created unexpected…

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by Jenn Heller

Navigating the college application process involves a sequence of organized steps which includes standardized tests, personal statements, recommendation letters, and application submissions. Creating a compelling application package is essential for demonstrating academic excellence. While it's undoubtedly an involved process, its structure remains fairly uniform across most colleges.

In this article, we've tapered down the process to provide you with a clear roadmap of what lies ahead and when to begin working on each phase. Let's kick things off by outlining the typical things you'll need to compile and organize in order to begin on the college application journey.

8 Steps Through the College Application Process

Initiating the…

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