All Blog Entries by Berkshire Hathaway HomeServices Texas Realty

 

 

Found 225 blog entries published by Berkshire Hathaway HomeServices Texas Realty.

 

Published by: Daisy Gregg

 

Sparked by pent-up demand, the ability to work from anywhere, and the need for more space, real estate sales are on the rise across the country, making it a prime time for would-be sellers to consider listing their home. But many of today’s buyers are coming to market with a new set of criteria for their next home. Here are some of the features topping their lists:

Home office. With an increasing number of work-from-home situations morphing from temporary to permanent, office space is a must-have for many of today’s homebuyers. If your home doesn’t currently have a dedicated work area, consider turning your guest room into a home office, or staging a quiet corner of a den or family room with a

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Looking to kick the caffeine? While a moderate amount of the buzzy stuff has been shown to have heart benefits, it’s easy to overdo it or find yourself addicted to that morning jolt. If you’re looking to slay your latte habit, consider the following tips.

Time it right. Quitting anything you’re addicted to is challenging, and coffee is no exception. Choose a time that will support your withdrawal. The Monday your big work project is due? Not the best time.

A long weekend is a great time to begin so that you can distract yourself or, at worst, lay down with that 3 p.m. headache.

Find a suitable substitution. If you don’t want to quit cold turkey, you can find a substitution. Some people like to guzzle tea, water, or even decaf coffee as

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Looking for space to store your things at home?

Everything you own is competing for space in your house. Everyday items, such as clothes and exercise equipment, along with seasonal things like pool toys and Christmas decorations, are taking over your limited square footage.

You can create more space by moving some things around, but that doesn’t always solve the problem. Here’s where you can find additional storage space in a cluttered home:

Under the Bed
Don’t let the space under your bed go unused or gather dust. Buy some plastic bins and use them to store seasonal items such as winter clothes. Put your heavy sweaters in them during warm weather, and switch them out with your bathing suites and shorts during colder months.

If you

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Problem Vacation Rental Next Door?

You live in a quiet, residential community…then one evening you notice someone in the neighborhood is having a large, loud party which lasts into the wee hours of the morning. While you’re willing to overlook an occasional party disturbance, you come to find out that your new neighbors have converted their home into a vacation rental. What can you do about it?

The first step is to reach out to the owners and have a conversation. Ask them about the rental rules they enforce and how they handle issues. Discuss how many guests they permit at a time and how often they intend to rent the home. Hopefully, they understand your concerns and have anticipated how to handle unruly renters.

If you discover that the

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If you’re nearing retirement and haven’t saved much for it, you’re not alone.

Forty-eight percent of workers age 55 or older say they have less than $100,000 in savings and investments, according to a 2016 retirement confidence survey by the Employee Benefit Research Institute.

They may not want to rely on Social Security to fund their retirement. Social Security will replace 39 percent of pre-retirement income for the average worker retiring at 65, according to the Center for Retirement Research at Boston College.

If you’re nearing retirement in 10 years or so, there are still some moves you can make to help ensure you’ll have enough money. Here are four ideas:

1. Save more
This isn’t as easy as it sounds, but it’s the best way to

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The savings rate in America is pretty abysmal. Fifty-seven percent of Americans have less than $1,000 in their savings accounts, according to a 2017 GOBanking Rates survey.

Without savings, people can be forced to take on debt when they lose their job, get sick or have major car repairs. Fortunately, there are some easy ways to trick yourself into saving money, whether for retirement, college, a new car, vacation or a rainy day. Here are five:

Automatic Transfers
Having money automatically moved from your paycheck to a retirement account, or from your checking account to savings, can be a painless way to save money without realizing you’re doing it. It’s called “Pay yourself first” and it is meant to pay into your retirement or other savings

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Teaching your child about money by giving them a piggy bank or having them earn an allowance by doing household chores is a great start to learning about how to earn and save money.

Spending wisely, however, is another lesson. And it will probably come away from home and without adult supervision.

A debit card—usually linked to a parent’s checking account—or a prepaid debit card can help children learn how to manage money jointly with their parents. Their spending can be monitored, such as through a phone app from their bank in a joint account that the parent puts money into only for this purpose.

Before giving their child a debit card, here are some things parents should know and discuss with their children:

Age limits: Most banks don’t

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Having bad credit can be worse than having no credit at all. A lousy credit score can lead to a steeper credit hole to climb out of, and can take years to fix.

All is not lost. Borrowers with bad credit scores can still get approved for a new credit card, though they’ll have to jump through a few more financial hoops than other people.

If you’re trying to qualify for an unsecured card because you have bad credit, here are some things you’ll need to provide:

Proof of Income
The Credit Card Act of 2009 requires that borrowers be checked that they have an “ability to pay” to have credit extended to them. That can include proof of your annual income, as well as your partner’s.

The credit card issuer may have minimum income requirements of

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Heated Flooring – Is It Worth the Cost?

It seems like everybody is remodeling these days. With everyone spending more time at home, not only are the dated features of our properties more obvious, but we also have the time and flexibility to meet contractors and supervise changes. New flooring is always a popular upgrade and heated floors are one option worth considering.

Heated floors involve adding heating elements under the flooring materials. Many people love a heated tile floor in the bathroom, or heated laminate in a chilly basement. Today’s radiant heating systems are more durable and energy-efficient than ever before and, with proper maintenance, can last over 30 years.

While more expensive upfront, heated floors save money by lowering

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Saving money can be difficult, and sometimes your frame of mind can hold you back. Here are some negative thoughts to overcome:

I Don’t Make Enough Money to Save
You are more than likely wrong about this one. Sometimes it’s about writing down your numbers and determining what you can cut and save on.

With the improving economy, it’s becoming even easier. Household incomes have been increasing and the unemployment rate has been falling the past few years, giving more people a chance to save. And many are doing it. The personal savings rate in the U.S. rose to 5.9 percent in March after rising steadily since 2013. But there’s room for improvement. The personal savings rate averaged 8.29 percent from 1959 until 2017.

I’ll Start

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