Even careful, dedicated savers don’t always have a strategy in place to meet financial needs during retirement. Maybe you’re simply putting money aside and hoping it will work out.
People often make the same mistakes with their retirement plans. The good news is these pitfalls are easily avoidable if you know to look for them. Here are five things every retirement saver should watch out for.
We’ve all been there. You’re driving through the
neighborhood and there it is. The most beautiful yard with the perfect
landscaping that just catches everyone’s eye as they pass by.
It is almost that time of year again, the time when millions of Americans will gather together to celebrate freedom. A freedom, that was not easily obtained and was far from free. The ultimate sacrifice was made by many soldiers so that we could have the privileges that we do today.
You have made the exciting decision to building the home of your dreams. It's not just a house with a foundation, unique floor plan, spacious rooms, and a beautiful yard. It will be your haven, your place to unwind. It will be the place you choose to celebrate those exciting moments, or choose to escape when the pressure of this world is just too much. When you began this process, the excitement oftentimes can cause us to miss the minor and important details.
It's that time of the year. The time where you, unlike most of those around you, cannot stay home in warm pajamas, drinking gallons of hot chocolate. You have a job to do or a place to be. You step outside and your heart sinks a bit. Not only is your car covered in snow and ice, but it's frozen shut. You then spend the next thirty minutes just clearing away the snow and ice, you haven't even moved the vehicle and it's already been a challenge.
In the beginning of January, a P.R. Communications firm decided to give back to the community, and has made this a tradition in the Fayetteville area since 2010. From donating books to children and their schools, to paying fees for pets at the local animal shelter, and even going as far as to pay utility bills for those who in need during the Holiday season. With that, they have also shown that spending a day, being one voice, and getting involved can making a lasting impact on your town and the families that reside there.
It's been one of those days, as I get home, I pull out several ingredients to make a delicious dinner. Being single means that, oftentimes, I make bigger meals than needed in my kitchen and I'm left with a complete mess. I work two jobs, and when I'm finally home, cleaning is not the most exciting part of my agenda. In fact, I resent it. One thing I loathe most is cleaning the kitchen. After I have eaten my meal, I just want to sit and relax. Yet, the clean freak within me will not allow it.
If you are like many people, the holidays have snuck up on you. It seems like it was just yesterday you were slaving away in your kitchen, balancing a turkey in one hand and the remnants of stuffing in the other. After Thanksgiving, time seems to fly. This can lead one frazzled or feeling a bit out of control, don't fret dear friend, there is a way to be successful and to gain the most out of your time spent with loved ones over the holidays.
Lately, my eyes have been opened to the sacrifices so many have made for the freedoms within our country. Often times we become so consumed with our daily activities and busy schedules that we forget to pause and appreciate what we have been given as a human being in America. Many have sacrificed so much, up to and including their lives. When they make a commitment within our military, they are essentially laying down their lives for you and for me, without any hesitation and without even knowing who we are.
Often times as a real estate agent and/or broker, you will encounter those listings that just seem to be standing still within the market. If you are growing antsy because it has been on the market for far too long, don't be discouraged, sometimes it just takes a new perspective and a refreshed action plan.
It has happened, the moment and day you have feared, you have a hit a roadblock in your career. As you struggle to discover how to amend your current status and build your client base, keep in mind that sometimes your mind just needs a refresher in priorities.
We currently live in times where crafts and making your personal home decor is the way to go. Not only is this idea budget friendly, but it can be extremely fun! As you are preparing for the season of Halloween candy and Thanksgiving turkey, there are some neutral pieces you can use as accents in your home as you encounter both these bright holidays.
As you begin raising your family, you will spend your evenings cleaning up toys after you've placed your little ones to bed. You softly sigh as you reach for that random block under the couch, and in that brief moment, a lightbulb goes off in your brain. "Instead of all this clutter being shoved around my living room floor, what if I created a space just for all my child's things?" It's in that moment, you run to your spouse and begin brainstorming ideas for a playroom.
If you are like many parents, you have plans and dreams for your children. You think about things, from the first solid foods they try to their first play date with another child. Before you know it, it will be that time to start planning and preparing for their education. It's great to get solid information about the schools that are within your area that have the same goals, standards, and values as you.
The thrill of a new home is contagious, and what better way to celebrate than with a housewarming party. After a few weeks of settling into your new home, take some time to consider showcasing all the hard work and commitment you have made to making this decision. Most realize that the home-owning process is elaborate and can be tricky, so this is quite an accomplishment!
We are in that era, the era were common and daily communications occur with the latest technology and devices. It's an exciting place to be, and yet, if we are not careful, certain business practices can be become unprofessional with one simple miscommunication. For example, building conversations through text messages. Although this can be very convenient for both parties, it can also be extremely impersonal and misleading.
Kitchen renovations can be super exciting but also challenging if are unsure with where to begin. Painting your kitchen cabinets can be a great place to begin, and can set the entire tone for your kitchen space. If you are in an older home, this can really update the appeal and the value of your home.
After the tragic news and loss of a remarkable real estate agent this past weekend, the entire nation is stunned. There are so many questions one could ask, and even if every answer was discovered, the outcome would still be the same. For many, eyes have been opened to the trusting nature we have in the south. Please don't misinterpret these words, this blog is not about an opinion on Beverly's situation, but moreso about the legacy I believe she wants to leave each and every agent.
For the past fifteen years, many will load up their motorcycles and head to Fayetteville, Arkansas for the annual Bikes, Blues, and BBQ. What started out as a small get-together, has become one of the biggest events that takes place in the Northwest Arkansas area.
Fall is such an exciting time for decorating. Pumpkins, scarecrows, candy corn, bold reds, and rich oranges promise to make any typical space blooming with color and life. Most people who are attempting to showcase the land around their home are on the hunt for a few small ways to make that grand impression.
It starts with a decision, a decision to invest some of your current funds into several or maybe just a few properties. In the beginning, you were able to prioritize, organize, and manage things in a way that seemed to fit into your daily routine, and yet things are changing. You begin to wonder if this is something that maybe you should outsource through someone else?
When cleaning your home, there are so many available options to choose from, and if you are like most, you just add Clorox to your grocery list and pick it up at the local department store. Yet, often times, these cleaners are costly, they aren't always the safest for your home environment, and they aren't the most eco-friendly. What most don't realize is you have some options that are time efficient and will save you money in the long run.
In a society driven by "getting what you want now and finding a way to pay for it later", it may seem impossible to ever see yourself in the home you've dreamt about. Yet, there is good news, you can break the mold and set out to prioritize your budget in ways that will give you the chance to invest in something more than a shelter. It's time to set goals, and make your life more than just good thoughts, put those thoughts into action.
Looking for a new home or updating your current home? If you are like most, one of the areas you will choose to pour most of your effort into is your kitchen. The place where we prepare a delicious home-cooked meal and host the major events within our families. The kitchen can be a haven within itself, and it can serve as the foundation for some many memorable moments.
As you walk into your bathroom in the morning, you turn on the water in the sink and begin to rinse your face. As your sleepy eyes begin to gain clear focus, you start to observe the room around you. The sink is turning yellow, the tile is chipped in certain places, and the walls around your shower have water residue. You silently sigh and decide its time to remodel. As this thought begins to resonate in your mind, you quickly begin to make a checklist of all the ideas and things you would like to update. Yet, I'd advise you to slow down and make your budget first.
Looking for something to do this weekend that involves fun and adventure? Join the team of Lifesource as they Hike and Bike against Hunger tomorrow on September 13, 2014. This event includes breakfast provided by Panera Bread, Kid's Crafts, Make Your Own Trail Mix, & Face Painting for the little ones. They will be raffling off a Conondale Quick 6 Bike and 5 Bike Racks.
On September 11, many gather in a moment of silence to pay tribute to those fallen on that tragic day thirteen years ago. Amidst the sorrow and pain, there was also hope found in the many who took the initiative to help or join the military efforts in Afghanistan. As the years pass, those moments are still a somber memory for many, but how do we go about expressing this time in history for to our children?
Northwest Arkansas has continually grown over the past few years to being home for many families and college students. We take pride in the small things that make our communities, schools, restaurants, and venues extremely unique. If you are transitioning into this area for work, school, or for even a fresh start; please take some time to consider some "need-to-knows" about our area.
This week is Internet Safety Awareness week. With our society's growing dependence on technology, it's so important to know the risks and the benefits of allowing your child access to the internet.
It's a fact that a clean and organized living space reduces stress. That may seem extremely unrealistic, but the truth is, there are many simple ways to get your home organized, cleaned, and comfortable. The clutter can go away and it can be a project in which you don't exert too much time and energy.
In Northwest Arkansas, we are known for a variety of things, whether it's our lush and green trails or our unique coffee shops and restaurants, we have a culture of our own. Yet, overall, we are known for being Razorback country. This involves so much more than cheering on the football team, it involves a community seeking to shape and mold young minds to better not just their future, but the world's.
Looking to put your house on the market? In the competitive market of real estate, not having a concrete and solid action plan can prolong the selling process. Yet, if you are new to being a seller, you may not know the best ways to set your home apart from the rest. This process can be draining and extremely frustrating. Luckily, there are some tools out there to help you make the most of this process and sell your home in the most efficient way possible.
Fall is filled with warm colors and rich flavors that make it stand out as a favorite season for most. Yet, as the weather changes and the atmosphere switches gears from hot to cold, we encounter thunderstorms. Most people love a relaxing rainy day, snuggled up with Netflix and a hot cup of tea. This idea is glamorous and lovely, but the truth is being unprepared can be deadly.
In the South, there are many things that I would say describe our culture: fried foods, iced teas, backyard parties, and of course, college football. Yet, in Northwest Arkansas we take these things to a whole new level. Whether it is catching the game at one of the local bars on Dickson or maybe setting up a tailgate party near Reynolds' stadium, we are committed to cheering on our Razorbacks.
Every find yourself in a situation where you sign your name on the dotted line, but neglected to read the fine print? Many Americans will purchase homes, cars, and even sign up for exclusive offers without reading the terms and conditions. These details are always beneficial for references and can inform you of how to handle certain situations should they arise. Did you realize that in the state of Arkansas we have laws surrounding lease agreements? This can be extremely helpful when you are in the market to lease a home or if you are interested in becoming a landlord. Check out your rights:
With all the bad weather here in Northwest Arkansas, local school districts have made major changes to their accidemic calendar.
Are you interested in making your house more energy efficient, adding a beautiful and striking major design element, and never having to replace your roof again?
Do you know someone wanting to live in Eureka Springs? If so, don't miss this opportunity to Help the Jacobs Sell Their Home!
The days are getting shorter. Fall jackets come down from the attic as a chill arrives in the air. At this moment, the diligent homeowner prepares his or her air conditioner for the elements and revives the furnace from its summer slumber. Though an easy task, a smart homeowner takes a few strategic steps when switching from the air conditioner to the heater
TU is a national organization with more than 140,000 volunteers organized into about 400 chapters from Maine to Montana to Alaska. This dedicated grassroots army is matched by a respected staff of lawyers, policy experts and scientists, who work out of more than 30 offices nationwide. These conservation professionals ensure that TU is at the forefront of fisheries restoration work at the local, state and national levels.
With the federal government now shut down, many government services and agencies are closed, suspended or otherwise impacted. The link below is a list of offices and agencies that are affected until congressional leaders and the president reach an agreement on a continuing resolution to reopen the government, along with the potential number of employees affected.
For a list, Click Here.
Despite rising mortgage rates, homeownership remains cheaper than renting in almost all areas of the U.S. Check out this interactive map from Trulia that calculates renting vs. buying costs. It might be something you can share with potential buyers to help them make a decision.
Home prices are rising due to low inventory. Is now the time for you to sell? Experts say yes!
Our list of firework shows in Fayetteville, Springdale, Bentonville, Rogers, and many more spots in and around NWA!
Are you a lefty? No? Righties should consider reading this list as a way to understand the torture left-hander's deal with on the daily.
Are the days of historically low interest rates in Northwest Arkansas numbered?
Fayetteville, AR is getting some national attention as a great (and very affordable) city to live in!
These are only ten mistakes that many for sale by owners make when trying to sell their property on their own. Although this is not a comprehensive and through list of mistakes that could arise, it is a compellation of mistakes that do occur on a regular basis for many for sale by owners. Naturally as real estate professionals, we encourage all potential home sellers to use the services of a qualified residential real estate agent or an attorney when selling their home or real estate. However, we understand the need and desire for many people to try to sell their real estate on their own.
Once a vibrant part of American culture, drive-ins reached
their peak in the late 50s with almost 5,000 dotting the nation from big cities
to small rural towns. Although drive-ins are currently experiencing a resurgence,
today only 400 remain.
1 in 6 homeowners are more than 30 days behind on their mortgage! There are options for these people other than Foreclosure and Bankruptcy. Chances are, you or someone you know in Northwest Arkansas is facing the possibility of foreclosure. But you need to understand that you are not alone. Today, nearly 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.
Even though the headlines are full of dire stories about the mortgage crisis, the truth of the matter is there’s plenty of money available right now for home refinancing and rates have seldom been better. In fact, you may never find a better time to refinance your home. There are several good reasons to refinance your home. The most obvious is to lower your monthly mortgage payment. Even lowering your interest rate by one half percent can save you a lot of money.
When moving to a new neighborhood and school, the key to
success is understanding your child's temperament.
are about to take on a double whammy — moving to a new neighborhood and a new
school. Many parents dread this double-edged transition, but despite the
significant challenges, there are a few steps you can take to ensure that your
child has the best chance of doing well.
there a golden ticket to raising the value of your home before putting it on
the market and quickly finding a buyer?
Yes, in fact, there is.
A fresh coat of paint is an inexpensive and highly effective selling feature that can take your home to the top of a buyer’s list in a hurry.
Most people dread the thought of
gathering their tax information but for homeowners there can often be some good
news. Your home isn’t just a place where you hang your hat and create
your memories; it’s often a nifty tax savings that can net you a nice refund.
The average tax refund last year was just under $3,000. If you are expecting a refund check you may want to take some
of that money and put it toward home improvements that can really pay off.
Designed by: Edwin Flores