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Today’s Home Spun Wisdom Archive


The Mortgage Professor: Conventional Versus FHA: which Should You Choose?

(MCT)—Choosing between a conventional and Federal Housing Authority-backed mortgage is not an academic question. My calculations show that the wrong choice can cost as much as $33,000 over 15 years on a $200,000 loan, and as much as $66,000 on a $400,000 loan. ...


Buying a Home from a Foreign Seller? Don’t Forget FIRPTA!

Recently, I talked about the growing number of multicultural home buyers entering the American Real Estate market. But there is also some very important information American buyers need to heed if they are buying a home from a foreign owner. ...


Now Is the Time to Book Cheap Holiday Flights

(MCT)—People planning to fly during the Thanksgiving or Christmas holiday should book their flights soon or face paying steeper prices or losing out on seats, according to travel experts. ...


Know When to Hold or Pitch Common Household Items

Every few weeks, I decide whether it's time to pitch out certain household items. While many things we use around the home including most food items have expiration dates, are they really a valid indicator that the item in question is obsolete? ...


Your Place: Necessary to Redo Attic Spray Foam after 4 Years?

(MCT)—Question: I had our attic spray-foamed in 2010. Our HVAC contractor recently did a semiannual service. The technician came down from the attic, where he was checking the air handler, and he was wringing wet with sweat. ...


Putting a Garden to Bed for the Winter Requires Special Tools

(MCT)—Even if you’re tending to the same garden, you’ll need different tools in the fall. “In the fall, you’re putting the garden to bed, so it’s important to have large multipurpose tools to work the soil,” says Maree Gaetani, director of gardening ...


5 Ways to Ensure Your Marketing Video Will Fail

Online video marketing has become a staple, with 81 percent of companies producing video content for their websites and 69 percent producing it for social media, according to the 2014 Online Video Production Trends Report. ...


The Thrifty Traveler: Dealing with Connectivity Quirks on the Road

(MCT)—It’s no secret to full-time road warriors that connectivity can be inconsistent at best. Large sections of rural America have limited cell phone reception, and airport Wi-Fi speeds are spotty to say the least. When the way you make your living requires ...


Why Your Next, Great Home Accessory Might Come from the Sea

(MCT)—Under-the-sea themes are a constant of coastal design. But one marine motif especially transcends styles, as a rich boost to almost any kind of decor, and that is coral. ...


Getting Started: Considering Moving Money from a 401(k)? Here’s What to Know

(MCT)—It was a silly oversight. Back in high school, I had worked for my town’s library and accumulated a tiny retirement savings account. ...


Your Place: What to Do If You Smell Gas in Your Home

(MCT)—Art is imitating life here. ...


Remembering Joan Rivers: 5 Lessons for Business Owners

With the death of comic and pop-culture stalwart Joan Rivers, many are mourning the loss of her quick wit and fearless comedic style. ...


Making Home Construction Less of a Disruption

(MCT)--Did you know that remodeling your home can be as stressful as moving into a new one? You may have decided to remodel the old kitchen, or perhaps you’re adding on to your home so that mom or dad can live with ...


Living Smart: Keep Care of Kitchen Appliances on Front Burner

(MCT)--Next time you use your fridge, dishwasher or stove, be careful that you’re not unknowingly making it vulnerable to an early breakdown. ...


Finding the Right Mortgage Takes Time, Effort

(MCT)—Most home buyers who need a mortgage place themselves in the hands of a loan officer or mortgage broker referred to them by their real estate agent, or by a friend, relative or business associate. This is the easy way, and I ...


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