Posts from April 2013

Did you know that with a USDA loan you can buy a house without a down payment? Many are not aware of this mortgage product because it is not widely used. These loans are made through the U.S. Department of Agriculture's Office of Rural Development and are to be used to buy a home in what is considered a "rural" area.  However, according to the terms of a USDA loan what is considered as "rural" can include many communities that could be considered suburban areas. 

Did you know that your credit card balances could be affecting your credit score even if you make you payments on time? Credit cards and any type of revolving credit can affect your score by having a high amount of money owed. It's best to remember to stay anywhere from 30% to 50% below your credit limit. So, even if you are making on time payments, if your card is maxed out this can have a negative...

Click Here to Read More...

Spring is the time of rebirth...and there's nothing better than bringing your home back to life through easy, inexpensive concepts. Why else do you think they call it spring cleaning? It doesn't matter if you are applying a fresh coat of paint, cleaning out the garage or picking a new candle scent – you will be amazed at the difference it can make and here are some quick and easy ideas.

Windows. Yes, we all clean the windows. But ALL of them? Think about those windows upstairs or in that back room that not one goes into. Take an hour and wipe all of those down. Let the sun shine in and show off that beautiful spring sunshine. Even the darkest and quietest of rooms can benefit from a little sunshine.

Fixtures. One of the easiest ways to give a new look to a room is to change a fixture. Evaluate your light fixtures. Do they fit the décor? Are they old? Is the current light too bright or too soft? Not only can you change the focal point or personality of a room throu...

Click Here to Read More...

Click Here to Read More...

Healthy Kids Day...A YMCA Initiative.

Summer is the time for kids to get up, get out and grow. But for some kids, exposure to activities that stimulate the body and mind ends with the school year. In fact, research shows that kids are prone to gain more weight and fall behind in studies. On Friday, April 26, the Tri-County YMCA in Scott Depot will celebrate Healthy Kids Day, a national initiative to improve the health and well-being of kids.

Over 1,900 Ys across the country are taking part in Healthy Kids Day, holding free community events that are open to all kids and families and filled with fun, active play and educational opportunities. Let's Get a Jump on Summer and help kids carry the spirit of staying intellectually and physically active.

Get a jump on summer and start moving! Daily physical activity is important for every family member: a total of 60 minutes for children, 30 minute...

Click Here to Read More...