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Your Home Sold Guaranteed Realty Blog

Wednesday, August 26, 2015   /   by Ken Couture

Best Back To School Tips

It's that time again, a new school year. Kids either love it or hate, parents usually love it but secretly shed a few tears that their babies are growing way too fast. For everyone it is the end of lazy summer days with less regimented schedules and more leisure family time. Back to early mornings, homework and school events to juggle.
Here are some tips for the whole family to help the transition from summer days to school year a bit easier.
Easing back into the routine of earlier bedtimes and morning alarms can be tough for everyone. Starting at least a few days before classes actually begin will help everyone get back into the swing without as much stress.  
Family Discussions to talk about this year's goals and plans, new teachers or sports can help ease kids' stress of the unknown and helps parents to have calmer kids.
Checkups for medical, dental, vision and sports physicals can be done early, even several weeks before school begins. This helps cut down the craziness of . ...

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Wednesday, July 22, 2015   /   by Ken Couture

Essential Items to Remember When Moving into Your New Home

When you are moving into your new home, you will remember the big things, like a bed or refrigerator. It’s the little things that get lost in the hustle and bustle of moving and excitement. If you take care of the little things on your list, it will be much easier to settle in and not have a last minute run to the store in the middle of something important.
 



·         Kitchen
Can opener
Bottle opener
Wooden spoons, spatula
Tongs
Hot pads
Measuring cups and spoons
·         Living Room
Coasters
Lamps
New wall décor
TV Stand
·         Bedroom
Full length mirror
Lamps
Hamper
Hangers
·         Bathroom
Plunger
Scale
Shower curtain and rings
Bath mat
·         Laundry Room
Detergent
Dryer sheets
Iron and ir; ...

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Wednesday, July 15, 2015   /   by Ken Couture

10 Things to Know Before Refinancing Your Home Part 2

When making the decision to refinance it pays to shop around online for the company that will best suit your needs. There is some competition out there between refinance companies which gives you a bit of an edge if you leverage it correctly, you may be able to negotiate a great interest rate and terms that suit your circumstances perfectly. Much of the application process can be completed online with a secure website where you can upload documents and information. The process can seem daunting when you first start filling out applications and getting lists of items the company will need. Take it step-by-step, ask questions when you are unsure of something and it will all come together. The process takes time, usually several weeks before closing is finalized, try not to get discouraged. 
Debt-to-Income Ratio
Debt-to-income ratio is a very important number, nearly as important as your credit score when it comes to refinancing. Lenders want to see a low debt-to-income ratio in or. ...

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Wednesday, July 8, 2015   /   by Ken Couture

10 Things to Know Before Refinancing Your Home-Part 1

When you refinance your home, what you are actually doing is simply replacing your current loan with a different one so you can get better terms and a better interest rate. If you have an impeccable credit score and a good history of payments, refinancing can be a profitable decision. On the other hand, a tainted credit history coupled with a lack of knowledge can make refinancing a risky proposition. Mortgage interest rates can fluctuate significantly. When available rates swing lower than your current mortgage rate, there is a strong temptation to refinance your home. Refinancing is a smart option when you can achieve a better interest rate than the one you currently hold.
Payoff Penalties
Some loan institutions charge a sizable payoff penalty when you pay off your original loan early. These penalties can add up, making refinancing a costly proposition. Review your initial loan documentation to determine if there are fees associated with an early payoff.
It is possible to have the. ...

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Wednesday, July 1, 2015   /   by Ken Couture

10 Ways to Increase Your Credit Score Part 2

Unfortunately, with the shape of the current economy, many individuals and families have found themselves in debt. It can be difficult or even impossible to resist the temptation of over-using credit when in a financial bind. The end result is that thousands of Americans are currently in possession of a less-than-terrific credit score.
Pay for 10 % of Your Monthly Budget With Credit
Simply having credit isn’t enough. You need to use your credit effectively in order to improve your score--this is called credit utilization. One easy way to do this is by using credit to pay for 10 percent of your monthly budget each month. It doesn’t matter what you buy. Even if it’s just part of your grocery or gas bill, you can charge it to your card and then immediately pay it off. This shows creditors that you can be trusted to pay off your debts quickly, reducing their risk in lending to you.
Don’t Close Out Old Accounts
If you’re cutting back on spending in an attem. ...

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Your Home Sold Guaranteed Realty
Ken Couture
8367 W Flamingo Rd Suite 101
Las Vegas, NV 89147
702-476-0060

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