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How Home Equity Can Help Fuel Your Retirement

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  How Home Equity Can Help Fuel Your Retirement If retirement is on the horizon, now’s the time to start thinking about your next chapter. And you probably want to make sure you’re set up to feel comfortable financially to live the life you want in retirement. What you may not realize is you likely have a hidden goldmine of cash you’re not thinking about — and that’s your home.  Data  from the  Federal Housing Finance Agency  (FHFA) shows that home values have gone up nearly 60% over the last 5 years alone (see graph below): And that appreciation gave your net worth a big boost. According to  Freddie Mac , over the same five-year period: “ . . .  Boomer overall wealth increased by $19 trillion, or $486,000 per household, half of which is due to house price appreciation.” So if you’ve been in your house ever longer than that, chances are you have even more equity in your home. If you want to have access to more of the wealth you’ve built up throughout t...
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Halloween Safety Tips

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Halloween Safety Tips

Halloween is an exciting time of year for kids, and to help ensure they have a safe holiday, here are some tips from the American Academy of Pediatrics (AAP). 

Walk Safely

1. Cross the street at corners, using traffic signals and crosswalks.
2.Look left, right, and left again when crossing and keep looking as you cross. 
3. Put electronic devices down and keep heads up and walk, don’t run, across the street.
4. Teach children to make eye contact with drivers before crossing in front of them.
5. Always walk on sidewalks or paths. If there are no sidewalks, walk facing traffic as far left as possible.  Children should walk on direct routes with the fewest street crossings.
6. Watch for cars that are turning or backing up. Teach children to never dart out into the street or cross between parked cars.

Trick or Treat With an Adult

7. Children under the age of 12 should not be alone at night without adult supervision. If kids are mature enough to be out without supervision, they should stick to familiar areas that are well lit and trick-or-treat in groups.

Keep Costumes Both Creative and Safe

8. Decorate costumes and bags with reflective tape or stickers and, if possible, choose light colors.
9. Choose face paint and makeup whenever possible instead of masks, which can obstruct a child’s vision.
10. Have kids carry glow sticks or flashlights to help them see and be seen by drivers. 
11. When selecting a costume, make sure it is the right size to prevent trips and falls. 

Drive Extra Safely on Halloween

12. Slow down and be especially alert in residential neighborhoods. Children are excited on Halloween and may move in unpredictable ways.
13. Take extra time to look for kids at intersections, on medians and on curbs.
14. Enter and exit driveways and alleys slowly and carefully.
15. Eliminate any distractions inside your car so you can concentrate on the road and your surroundings.
16. Drive slowly, anticipate heavy pedestrian traffic and turn your headlights on earlier in the day to spot children from greater distances.
17. Popular trick-or-treating hours are 5:30 p.m. to 9:30 p.m. so be especially alert for kids during those hours.

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