Saving money each month toward a long-term goal is increasingly difficult for most people. Even committed savers can get thrown off track when unexpected problems or opportunities arise. It can be difficult to envision how $200 a month can add up to a new home; the dream of homeownership continues to get pushed back in favor of more immediate needs.


For many of these potential homebuyers, their tax refund can be a big step forward in their saving goals. Received in a lump sum, a tax refund is easier to see as a meaningful dollar amount. The average IRS refund in 2019 was almost $3,000. This, added to an already growing savings account, can be a great bonus.


In addition to adding to your down payment fund, a tax refund can also be used to…

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Real estate offers a solid investment opportunity that can provide not only an income stream, but long-term value appreciation as well. It’s never too late to begin investing in real estate. Regardless of the ups and downs of the market, people will always need housing, so real estate will remain a good way to create wealth.

By understanding some of the basics of real estate investing, you can begin to create a successful investment plan.


• Start Now – Every market offers opportunities for buyers; there is no perfect time to get started.

• Understand the Risks – Before investing, you should be certain that you can hold the property until conditions are right to sell.

• Do Your Homework – Know the market and understand the trends which…

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Are you looking for a fun project that will add some pizzazz to your home – that doesn’t require a degree in carpentry? Before you leave your old furniture on the curb with a sign that says, “free to good owner,” here are 7 creative ideas that will revitalize that furniture and leave anyone feeling handy.


1. Rustic Planter – Enhance any backyard space by painting an old bedroom side table with a fun color, pull out the drawer, and use it as a planter.

2. Kitchen Island – No built-in island? Transform an old dresser by adding a custom countertop. The drawers will come in handy also.

3. Crib Appeal – We all need more storage. Take off one of the side rails of that old crib and add a piece of glass or butcher block on top to make a cool…

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Everyone dreams of living in a model home – a beautiful modern room with the perfect vase of flowers sitting decoratively on a glass side table. Unfortunately, life doesn’t always work this way. Our homes tend to look more “lived in” with a pile of shoes by the front door, school books on the kitchen table, and cat hair on the sofa.

If you have your home listed for sale, then you also know the stress of looking around your home after a phone call requesting a showing with a few minutes’ notice. You want your home to show well so the buyers can see the beauty of the home you love, but with such short notice, how can you convert the lived-in look to a show-ready property?

Fortunately, there are a few tricks for helping you keep your home…

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Working from home is not a new concept, but recent events have created a mass shift in the American workforce and more people than ever before are working from home. While simply placing a laptop on the kitchen table is one way to work from home, having a designated home office offers a better environment for productivity and is easier to set up than you might think.

• The first step is to find the right location for your home office. Although it’s great if you have a spare room to use, not everyone has this luxury. A corner of a master bedroom or living room, a loft area, or even a section of a well-insulated garage can work just as well.

• Once you find the right space, create a list of the materials you’ll need to be productive. A formal desk…

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