Building Your Credit Tips!

1.) Hold Off Opening New Accounts

New credit ‒ including credit inquiries ‒ accounts for 10 percent of your total credit score. Any time you give written authorization to a lender to pull your credit report, it’s called a “hard inquiry.” This pertains to any application for an auto loan, student loan, new credit cards, bank loans, and so on. Each hard inquiry can cost you anywhere from 1 to 5 points. So, be sure to watch out for opening new accounts right before you decide to apply for a home loan.

2.) Pay Down Your Debt

Oftentimes, high credit utilization (the amount of debt you are carrying versus your total available credit) is the culprit for a low score. In those instances, paying down certain credit accounts could make you more creditworthy — and mortgage eligible — within short period of time.

3.) Keep Older Accounts Open

Older credit accounts help boost your credit score, so leave those credit cards open even if you don’t use them all of the time. It could be a mistake to close accounts that you use; risking good points they may be adding to your credit score. Try to use those credit cards every few months and pay the balance in full so that those cards remain active.

Staying Safe from the Rain at Home

The idea of owning a home is so exciting that sometimes we forget about the little things like repairs, until the storm comes. So here are a few tips to make sure you’re safe from extreme weather damage.

  • Check the paint on your home to make sure there isn’t any peeling. This will keep water out.
  • Check all of your windows for escaping air. Recaulking where needed will help with this.
  • Patch cracks in ceilings and walls.
  • Pressure wash your home exterior seasonally to prevent mold.

Following these steps before big storms will keep your mind off your home and leave you time for snuggling!



Fun Friday Facts

Hope everyone is looking forward to the weekend!! Please see some interesting facts about the world we live in.

1. Blueberry jelly beans were made especially for Ronald Reagan.

2. Checkmate comes from the Persion word “shah mat”, which means ‘the king is dead’.

3. The U.S. consumes more oil than any other country in the world.  In 2006, the U.S. consumed as much as the entire European Union and Japan combined.

4. No president of the U.S. has been an only child.

5. It takes seven shuffles to thoroughly mix a 52-card deck.

6. Picasso could draw before he could walk.

7. The first e-mail was sent in 1972 by Ray Tomlinson.  It was also his idea to use the @ symbol to separate the name of the user from the name of the computer.

8. The opposite sides of a dice cube always add up to seven.

9. One in ten people in the world live on an island.

10. The first daily broadcast was started by the BBC in November 1936.

11. The word “millionaire” was first used by Benjamin Disraeli in his 1826 novel Vivian Grey.

Happy Friday!!!


You can find more of these facts at



New Years Resolutions

Now that the busy holiday season has past, we all look forward to the new year. Let’s start the year off with a quote.

The secret of getting ahead is getting started. The secret to getting started is breaking your complex overwhelming tasks into small manageable tasks and then starting on the first one. ~ Mark Twain