News

Here are five features that will provide an upscale feel to your outdoor spaceCovered SeatingBe it a loggia, pergola or trellis, provide a comfortable place to gather outdoors.Infinity PoolIn addition to providing a place to swim on a hot day, infinity pools have a certain wow factor.Entertaining AreaAn outdoor kitchen, barbecue, or wet bar ensure that all entertaining needs are accounted for.Fire it UpA fire in the evenings is one of the ultimate backyard luxuries. Its a focal point and natural...

While some couples opt to keep things separate, sharing a credit card can help when it comes to streamlining household money management. But it isn’t always easy. Whether you add someone to your credit card as an authorized user or open a joint account, problems can pop up if you’re not careful. Here are three common ones to look out for:Maxing out your credit limit. You’ve just doubled the chance of reaching your credit limit by adding another person to the account. Even if you don’t co...

Published with permission from RISMedia.

Owing more on a car loan than the car is worth"called being upside down on a loan"can make buying a new vehicle difficult.The negative equity can mean getting less for your old car at trade-in, or coming up with the extra money to pay off the old debt. Cars depreciate quickly, so the urge to switch to a new car after a few years can leave you with an older car thats worth less than the loan.There are still ways to buy a car when you have an upside-down loan; however, theyre not too app...

Here are five ideas to help keep your kids busy while spending time around the house.Prepare the PlayroomPuzzles and board games can be a great way for kids to stay mentally active.Utilize the LibraryIf you have a library or reading area in your home, its the perfect space for kids to spend an hour of daily reading time.Cook TogetherWith everyone doing their part to prepare a delicious home-cooked meal, little ones will be sure to feel a sense of accomplishment.Designate Outdoor TimeDont overloo...

If you pay your credit card bill in full each month and dont pay interest, youre using your credit wisely.Youre not only getting a free 50-day loan through a credit cards grace period, but you can get some of the best credit card rewards without having to pay the high interest rates that usually accompany the best rewards cards.Low-interest credit cards can offer modest rewards. High-interest cards, however, usually offer higher rewards, such as more airline miles, points or cash back.The trick ...

One of the easiest ways to build credit and improve a credit score is to open a secured credit card. Whether youre young and new to credit, or are looking to improve your credit score because of past financial problems, a secured credit card can help.Instead of providing a high credit limit like an unsecured credit card does, a secured card uses a deposit that you provide"such as $500"as your credit limit. The credit card issuer pulls money from the deposit if you dont make a credit ca...

These features are essential for an equestrian estate that leaves nothing to be desired.First-Class FacilitiesA well-designed stable with an adequate number of stalls, a wash rack and a tack room for your equipment are the most important items on the list.Riding TrailsTheres quite simply no greater luxury than being able to leave your private stable on horseback and leisurely roam the propertys scenic trails.Equestrian CommunityEquine veterinarians, trainers and nearby supply stores are just a f...

For most people, theres no denying that salt is tasty. The sodium-rich ingredient excites our palates and adds flavor to bland food. But too much of a good thing can be bad.According to federal stats, nine out of 10 Americans eat more sodium than they need, which can lead to high blood pressure and an increased risk of a heart attack or stroke. The good news is that cutting down on salt and other high-sodium products can help lower your blood pressure or keep it at a healthy level. Use these tip...

Published with permission from RISMedia.

Is your homes medicine cabinet full of expired drugs or medications you no longer use? It might be time to clean out the clutter. However, because a drug that was safe for you might be harmful for someone else, its important to dispose of your expired, unwanted or unused medicines in the safest way possible.According to the U.S. Food and Drug Administration (FDA), there are two ways to dispose of medicine at home, depending on the drug.Some prescription drugs"such as powerful narcotic pain ...

If you’re a first-time homeowner, you likely have a list of renovations.Address these three areas in your first year:Your appliancesInsulation, andLandscapingAppliances with the Energy-Star rating can save you on your utilities.According to one study, one energy-efficient machine can save you $50 a year.Check your insulation.If you have an attic, check for gaps, and fill in where needed. This can make you more energy-efficient, leading to more savings.In most cases, insulation pays for itself....

Credit cards can help you afford things you need if you dont have the money right now, but they often lead to trouble. Some people overspend, while others are forced to rely on credit cards more than they’d like because of a job loss or an unexpected expense.No matter how you got into debt, if you’re struggling to make your monthly payments, you’re probably feeling overwhelmed. It may feel like you’ll never be able to get out of debt, especially if you have high interest rates.Debt conso...

If you’re burdened by debt, the stress of having bills you can’t pay and receiving calls from creditors can be overwhelming. You might even be considering declaring bankruptcy. Before you take such a drastic step that could significantly lower your credit score and limit your future financial options, look for other solutions.Earn More MoneyIf possible, increase your income. If you have been at your job long enough and your boss is pleased with your performance, ask for a raise. If that’s ...