Monday, June 27
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Tag: building

How to Attract Birds to Your Yard

El Paso
Attract Springtime Birds In the spring, birds are busy building nests, so attract them to your yard with some of these nesting materials for them to collect. DIY Birdbath Almost everyone has some old terra-cotta pots tucked away in the garage or the basement. Why not reuse them to make a cute backyard birdbath to attract birds? You’ll need three largish pots of increasing sizes, a large terra-cotta saucer, silicone caulk, and spray paint (optional). First, make sure the pots are clean and free of all dirt and debris. If desired, spray paint them whatever color(s) you’d like. Then stack the pots upside down from large to small, creating a tower. Caulk each in place as you go along. Center the saucer on top of the tower, and then caulk it as well. Fill with water, and you’v...

Late Payments, Credit Scores and Credit Reports

Home Loans By State
A missed credit card or loan payment can have a seriously detrimental effect on your credit report. The golden rule of using a credit card is to make your payments on time every time, building a respectable payment history, avoiding debt, and keeping your creditor happy. But what happens when you fall behind with your monthly payments; what happens when you miss a single loan or credit card payment as a result of a mistake, an oversight or a lack of funds? How will your creditor react, how quickly will the credit reporting agencies find out, and what options do you have for getting back on your feet? How Late Payments Affect Your Credit Score A late payment can reduce your credit score significantly and remain on your report for 7 years. It won’t impact your score throughout that time a...

How I Paid Off $38,000 In Student Loan Debt In 7 Months

Debt, Killeen, Student Loans
Lately, I have received many questions asking how I was able to pay off my student loans so quickly. I haven't talked much about my student loans since I paid them off in July of 2013, but I know many struggle with their student loan repayment plan each and every day. Due to this, it is a topic I am always happy to cover. Paying off your student loans is a wonderful feeling and I want to help everyone else experience the same.   Background on my student loans. To start off, I am going to provide a quick background on my student loans. I worked full-time all throughout college. I worked as a retail manager from when I was a teenager until I graduated with my two undergraduate degrees (I was a double major). Then, I was lucky and found a financial analyst position ri...

Home Buyer’s Guide: How to Purchase a Property, From Start to Finish [Free Download]

Apartment DIY, Grand Prairie
Purchasing a home is both exciting and a major milestone in your life, so you’ll want to be prepared for what to expect to avoid a stressful process. Having an in-depth look at the buyer’s journey can help you make informed and confident decisions. From finding a real estate agent, negotiating offers to getting your keys on closing day, we’ve outlined all the steps of a home buyer’s journey in our free Buyer’s Guide, which you can download here. The Buyer’s Guide will cover the buyer’s timeline from meeting an agent to preparing for closing day. We’ve outlined the 8 steps in a home buyer’s journey below. 1. Working With An Agent Every city is filled with thousands of agents, but not all are equal. We believe it is important to choose an agent that you feel confident with. Before you commi...

How to Start Building Credit Once You Turn 18

Building Credit, Credit Cards, Debt, Hard Money Loans
Good credit is crucial to unlocking many financial opportunities in life. When you have a great credit score, you can get lower interest rates on car loans, credit cards and mortgages. Some employers and landlords even check credit reports before they make a job offer or approve a resident application. While developing a solid credit history takes time, follow some of these tips on how to establish credit once you turn 18 to get started as soon as possible. 1. Understand the Basics of Credit Make sure you understand the basics of how credit works. Your credit reports are maintained by three major credit bureaus—Experian, TransUnion and Equifax. It contains data on your current and past debts, payment history, residential history and other facts. This data is supplied by lenders, credi...

I Was Denied an Auto Loan. Now What?

Auto Loans, Non QM Loans
You’re in the market for a new car but you’ve been denied an auto loan. Now what? Here’s what you need to know about why you may have been denied and what to do to make sure it doesn’t happen again. Why Do I Keep Getting Denied for Auto Loans? Unfortunately, there are many reasons a bank might reject your application for a car loan. If your loan application has recently been denied or you keep getting denied, it might be due to one of these common reasons: Application errors. Sometimes, the application could be rejected because of an error you made when filling it out. A missed section, some incorrect information, a missing form or another mistake can mean your loan is ultimately denied. Bad credit. Bad credit is a common reason for auto loan denial. A score below 670 is usually ...

10 Things to Know About Living in Las Vegas

Mortgage Rates
When we think of Las Vegas, it often has a connotation of big parties, gambling and expensive fun. Most people who go to the Entertainment Capital of the World are there for a good time and want to experience the food, shows and casinos. But what's it like for the locals who are working and living in Las Vegas?It's a fairly big city, and residents have access to all of the fun and excitement as other out-of-town visitors. But every day isn't a party when you're living there — people have homes, families and careers to think about.There are lots of surprising aspects of living in Sin City, and it just might be the kind of scene you're looking for.1. Get ready for discountsIn the Entertainment Capital of the World, many hotels, casinos and even restaurants give discounts to those who live ...

How to Get Rid of Mice in Your Apartment

Podcasts
Got mice?If these pesky pests are in your apartment, we've got solutions. While it makes good sense to keep them out in the first place, we get it, stuff happens. The number one thing you should do is speak to your leasing office maintenance crew or landlord. Let them know you need pest control right away! Hopefully they will send in a professional company to rid you of the problem.But you can also be proactive and takes steps to oust the intruders. You should know that mice live in groups. So, when you see one mouse, you probably have five, six or more squatters.That's a problem because mice can contaminate food and food preparation surfaces, which can lead to potential health issues.Leave pesticides to the professionalsYou might think that pesticides are the way to go to get rid of mice....