When it comes to selling your home, most sellers vacate the premises during a showing or open house. But there may be instances where you, the seller, are present and are asked by a potential buyer “Why are you selling your house?”. It’s a pretty common question from home buyers, and although you might think your response is innocent, this is one of the diciest questions you can answer. Why? Because any response you give could be used against you and cause the buyer to question if they will have the same issue.Continue reading “How to answer, “So why are you selling your home?” …and what NOT to say!”
When it comes to saving money, especially for your future, it can be hard to decide where to put that money to get the best bang for your buck. If you have loans, like a mortgage, you might consider an early pay-off. What feels better than being debt free, right? But building wealth can be tricky.
When it comes to saving money, interest rates rule the world. You want your money to earn more than it would cost you elsewhere. So, if your rate of return on investing is more than you would save in paying down interest, then investing would earn you more money and be a smarter option. However, if your mortgage interest rate is higher than your rate of return on investing, then you would save more money by paying down aggressively on your mortgage instead.Continue reading “Savings and Retirement Tips: Pay off your Mortgage Early or Invest?”
Have you noticed that smiling (and yawning) are contagious and not just when passing someone in the grocery store or holding the door open at your local coffee shop, but at the workplace too. We spend so many hours of our lives at work and with our coworkers, often more than we do with our families and friends. In general, people tend to gravitate towards positive and happy people and avoid the grumpy and negative people. If you’ve made a resolution this year to rid yourself of negativity and be more positive, here are some awesome phrases you can start using in the workplace to help show your appreciation, encouragement, and even trust in others. Management role not required to use these!Continue reading “How to Boost Workplace Positivity”
The backbone of most non-profits is their Volunteer Force. Be it behind the scenes or client/front facing, this group of non-paid team members are giving their time, their skills and often their dollars to help make their chosen non-profit successful. They are invaluable to carrying out the mission and objectives of the non-profit and can also help build a connection with your community.
Recruiting and retaining top volunteer talent is no different than acquiring top paid talent – here are some tips to help you get the best of the best:Continue reading “How to Recruit More Volunteers for Your Non-Profit”
Which should you save for first – your child’s future college tuition or your personal retirement? As a parent, this is a very emotional question – saving for your children’s continuing education to help them incur less debt and get a good education or financially preparing yourself and securing your future.
Many parents have decided that college savings should come first and are not only forgoing putting money in a retirement account, but they are dipping into their retirement savings to cover the costs of tuition. Yes, saving for college is important, but it is actually a luxury. How much you save for your child’s tuition is not a direct correlation to how likely it is that they will graduate. And don’t worry, your child can find other ways to pay for school: scholarships, grants, financial aid, part time jobs, or even finding a more affordable school.Continue reading “College Savings or Retirement – Which Should you Save for First?”
When it comes to buying a home, most people understand the importance of having homeowner’s insurance, but few people are actually familiar with a home warranty and how it works.
The simple answer is: A home warranty is a yearly service contract that protects specific home systems and appliances.
Your home’s systems and appliances will inevitably break down over time. A home warranty provides you with some protection when those systems and appliances eventually stop working. Many first-time homebuyers find a home warranty to be an extra layer of protection when extra funds are in short supply during those first few years of homeownership.
How does a home warranty work?Continue reading “What is a Home Warranty and How Does it Work?”
When it comes to planning for retirement, the process seems pretty simple: contribute to your IRA or 401(k), put extra savings aside each month, and reduce your spending as much as possible as you get closer to retirement. Once you are ready to retire, you should be able to rely on a combination of your investments, Social Security, your savings and Medicare to cover your needs.Continue reading “Surprising Expenses You Don’t Expect When Planning for Retirement”
When you are in your 20’s you experience a lot of exciting changes in your life – graduating from college, starting your first job, buying your first car, getting your first apartment, etc. And of course not everyone moves at the same pace or takes the same path in life, but it is important to plan ahead and set some financial goals.
When you set financial goals, especially at a young age, it can set you up for financial freedom later on in life. It might not seem super important right now to plan 20, 30, or 40 years ahead, but doing so can give you more choices in the future. It is a great feeling knowing you are on track with your money, and now is the perfect time to start working towards financial security.Continue reading “Financial goals to Strive for by the Time You’re 30”
If you are looking at the title of this blog and wondering what your Net Promoter Score is then chances are you probably aren’t tracking it, but that’s OK, because it’s really never too late to start.
First, let’s begin with the basics:
What is a Net Promoter Score? A Net Promoter Score – NPS – measures customer experience and predicts business growth. You can calculate your NPS very simply by asking customers one simple question that they answer based on a scale of 0-10: How likely is it that you would recommend [brand] to a friend or colleague?Continue reading “Are you tracking your Net Promoter Score?”
If you are considering buying your first home, you’ve probably spent some time on Google, talked to other people asking for advice and are in information overload! How can you tell if the advice is good…or just a myth? It seems like everyone you meet has a story about buying their first property or an opinion about what type of real estate that you should buy. There is just as much bad advice – if not more – out there as there is good advice, but it can be difficult to navigate the fact from fiction to make your own informed decision.Continue reading “Common Excuses and Myths that are Keeping you from Buying a Home”