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Inflation

Thanks to L. K. Benson for sharing this blog about inflation.

inflation is hitting the US hard

Inflation is an important financial concept to understand and has always been a critical factor in our long-term financial planning analysis for clients. It can be difficult to grasp how rising prices erode the purchasing power of your cash when the inflation rate is low and you don’t see and feel the effects of prices rising on a regular basis. That is exactly the environment we have been in for almost forty years, which can be seen clearly in the following chart:

Inflation

From 1983 to 2021, you can see a downward trend in the Consumer Price Index (CPI), which is the most frequently cited measure of inflation. The average CPI over that time was around 2% and it rarely spiked very high above that...

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5 Smart Ways to Save for a Vacation

Planning a trip this year? I want to share five smart ways to save for a vacation. Whether you are traveling somewhere nearby or an exotic location, you’ll need to save money before you go. You want to make your vacation as pleasant as possible, Having more cash available will help you do that.

One of the biggest reasons people like to go on vacation is to receive the stress and have fun. Working hard can be a big stressor in your life. A vacation might be just what you need to relax and get some much-needed rest.

Even if you have to check in with the office from time to time, you’ll still have the stress relief. Try your best to leave work at work and spend quality time with the family or friends.

Before and after the trip most people feel an uptick in their happiness levels...

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organizing projects based on time

Organizing projects based on time

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros on organizing projects based on time.

No one seems to have enough time to do the things they want to do. But how much time do you have? Let’s take a look at some projects based on how long they take. Pick a project for the time you have available.

Organizing tasks to do in a weekend

Garage: You will need to take a lot of time to completely organize the garage. Sweep up the floor. Arrange things so that nothing sits on the floor, and everything is on shelves. Throw out or donate what you don’t need. Put like things together (sports equipment, for example).

Basement: Similar to the garage. Make sure everything has a home. If there isn’t enough room, you need to purge something.

Attic: Similar ...

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7516 Riddle Avenue

  • 7516 Riddle Avenue, driveway and front of home
  • ...
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Understanding plant tags: light, zones, natives and more

Understanding plant tags: light, zones, natives and more

Understanding plant tags: light, zones, natives and more

Thanks to the University of Maryland/Maryland Grows this informative article about understanding plant tags.

Understanding plant tags

Gardening beginners and pros alike can get flummoxed by plant tag terminology. What do words such as full-sun, zone, native and determinate mean? Allow me to elucidate, um, explain. See, even I can make things complicated.

Light

Light is oh-so-important. Matching the right plant to the right lighting is crucial. So tags tell you how much light each plant needs to not just survive, but thrive. If a tag says “full sun” that means the plant needs at least 6 hours of sun a day.  If it says “full shade”, that means it wants deep shade...

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pesky gutter issues

Don’t Lose a Home Sale Over Pesky Gutter Issues

Thanks to Clean Sweep for this episode of Tips from the Pros about pesky gutter issues.

When you picture the most sought after features of a home, you probably imagine things like brand new kitchen appliances, a spacious deck, or plenty of yard space. It’s likely that functioning gutters wouldn’t be anywhere near the top of the list. The only time we really think about our gutters is when they are malfunctioning. However, malfunctioning gutters can decrease the value of clients attempting to sell their home and introduce a slew of issues for new homeowners.

The Importance of Functioning Gutters

Every year, homeowners’ insurance companies pay out roughly $2.5 billion in water damage-related losses. 37% of homeowners have claimed losses due to water issues...

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living with less

Living with Less

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros on living with less.

Believe it or not, there are people who live in homes that are 900 square feet. That’s the size of one room in many homes. Living with less… how can you do it? It starts with your mindset.

Your Mindset

You have to start with a “letting go” mentality. Purge things you don’t need or use. Do it objectively without getting sentimental about belongings in your home. If you can’t be objective, call a friend or family member to help you make the tough decisions.

There can be joy in living without a lot of belongings. It’s easier to keep your home clean, for one thing. Clutter brings its own stress and anxiety...

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What to do when your seedlings grow too big

Thanks to the University of Maryland/Maryland Grows this informative article on what to do when your seedlings grow too big

I started my peppers too early.

Every year I warn fellow gardeners not to rush on getting seeds into pots for warm-weather vegetables. Tomatoes, in particular, outgrow their indoor space under lights much faster than you’d think. However, you can make this mistake with many plants that shouldn’t go outdoors until the chance of frost is past and the soil temperature is at least 60 degrees F. There’s often a several-week gap between the average-last-frost day that you used to count back from when calculating start dates and the actual day that it’s safe to put the plants in the garden. That can go either way, of course...

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Tips & Tricks to Boost Your Credit Score

Boost your credit score by using these handy hacks! It’s not hard and your improved credit score will help you in home buying, refinancing or other type of loan.

Get tips and tricks on the best ways to boost your credit score by doing the following:

  • Lower your credit utilization
  • Request a goodwill deletion
  • Correct credit report mistakes
  • Use a credit boost service

The information below provides easy tips and tricks for giving your score a boost.

boost your credit score

In addition, if you need help buying or selling a home, or know someone who does, please contact me.
Oh, by the way, I’m never too busy for any of your referrals.

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chimney sweep can protect

A Chimney Sweep Can Protect in the Off-Season

Thanks to Clean Sweep for this episode of Tips from the Pros about how a chimney sweep can protect you in the off-season.

Apart from the occasional chilly spring night, we have largely exited fireplace season. And will be shifting our focus to staying comfortable by keeping cool air inside of the house instead of warm air. Even still, springtime makes the perfect time to catch up on your chimney maintenance. This way, you’re ready to go in early fall when the time comes to light up the fireplace once again. Here are the main advantages of scheduling your chimney service right now!

Easy Scheduling

During April Showers, gutter maintenance is the main service homeowners seek from our team...

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