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February: The Valentine’s Day Gifts Your Significant Other Actually Wants to Receive

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  Flowers, cards, candy… it’s all some of us can come up with for a Valentine’s Day gift. But, really, you’re better off saving your money. No one really wants these things—we all know it. Instead, try one of these unique gifts this year that your loved one  actually  wants to open. Reese’s Peanut Butter Cup Bouquet A box of chocolates? Nice. Chocolate fondue for dessert? Sure. A Reese’s Peanut Butter Cup Bouquet? YES, thank you this is the gift of our dreams!  Walmart  is selling these bouquets, with orange flowers interwoven throughout, for $44, or you could order them from  Amazon . Art, Featuring Your Pet If your significant other is obsessed with their pet—we’re talking wants to lay on a pillow with their pet’s face or wear their pet on their clothing—then boy, do we have a gift for you. The company  Pop Your Pup  sells apparel, accessories, home goods, and wall art—all with your beloved pets face. All you have to do is select the product you...
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4 Reasons to Buy Your Dream Home This Winter

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As the temperature in many areas of the country starts to cool down, you might think that the housing market will do the same. This couldn’t be further from the truth! Here are 4 reasons you should consider buying your dream home this winter instead of waiting for spring!

 

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6.3% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.2% over the next year.
The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

 

2. Mortgage Interest Rates are Projected to Increase

Your monthly housing cost is as much related to the price you pay for your home as it is to the mortgage interest rate you secure.
Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage are currently at 4.08%. The Mortgage Bankers Association, Fannie Mae, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will increase by this time next year.
An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

 

3. Either Way You’re Paying a Mortgage

There are some renters who have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent free, you are paying a mortgage – either yours or your landlord’s.
As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity.

4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.
But what if they weren’t? Would you wait?
Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

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