Have you ever experienced that moment right after work when you feel exhausted, stressed or hungry, and while driving home you decide to stop by a drive-thru? Or it’s early in the morning and you need a pick-me-up so you stop by the local coffee shop to get some caffeine? Although they may seem like impulse or infrequent purchases, it’s amazing to see how fast and how much money you might spend over a year!

What is a cash out refinance?   Bottom line…. It is refinancing your mortgage for more than you currently owe and pocketing the difference. Your home can be a piggy bank, transforming your equity in to cash to use in multiple ways. 

Mother’s Day!  What does it mean for all Mothers and how do they want to celebrate the day?   

Do some want to spend time with their kids with a meal at home?  Or do they prefer going out to eat? Do some Mother’s want to be surprised with breakfast in bed? 

I don’t often use the paper cutter at work anymore. On the rare occasion I do, I think about my Grandma Lucy and the times she worked as a substitute teacher at my grade school. You see, when Gram was filling in, I could lead the class in an art project of my choosing. Most of the time it involved cutting strips of colored paper to make paper chains. I remember the collective groans of my classmates when it was clear our regular studies would be replaced with yet another meaningless art adventure, but I loved it!