480 Eagle Point Rd, Rossford, OH, Rossford, OH
this 5 bedroom house sits on 2 parcels! 3 car garage with storage space above! spacious fenced yard. newer kitchen. home is being freshly painted and...
480 Eagle Point Rd, Rossford, OH, Rossford, OHthis 5 bedroom house sits on 2 parcels! 3 car garage with storage space above! spacious fenced yard. newer kitchen. home is being freshly painted and... 509 Glenwood Rd, Rossford, OH, Rossford, OHOne owner home on large corner fenced lot. Large kitchen with dining room - eat-in open area to living room and sliding door to deck. Family room... 435 Hillside Dr, Rossford, OH, Rossford, OHAmazing 4 bedrms, 3 bath home on River Inlet! this property was rebuilt in 1997 to include an open concept with gourmet kitchen with island, granite... 302 Hawthorne Ln, Rossford, OH, Rossford, OHCheck out this charming home situated on a corner lot. Spacious living room with WB fireplace and built-ins. Completely remodeled bath/ utility hooks... 101 Rossway Ave, Rossford, OH, Rossford, OHGreat value in desirable Rossford area. HUGE finished basement complete with bar and half bath. Attached 2.5 car garage
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Rates for home loans throttled higher in the most recent week, as the recent bond bloodbath closed in on the mortgage market. The 30-year fixed-rate mortgage averaged 4.90% in the October 11 week, up from 4.71%, mortgage liquidity provider Freddie Mac said Thursday. That was the highest since April, 2011, and the biggest weekly move since last November for the popular product. The 15-year fixed-rate mortgage averaged 4.29%, up 14 basis points. The 5-year Treasury-indexed hybrid adjustable-rate mortgage averaged 4.07%, up from 4.01%. Those rates don't include fees associated with obtaining mortgage loans. Mortgage rates follow the path of the 10-year U.S. Treasury note, but with a lag. Freddie's “weekly” survey, though dated and released Thursday morning, tends to capture market activity from earlier in the week. That means this week's reported mortgage averages largely reflect last week's bond market activity. The yield on the benchmark government bond has soared in early October to roughly seven-year highs as investors worry that increasing inflation will erode the value of fixed-income assets, and the government issues more and more supply to cover the growing budget deficit. Bond yields rise as prices fall. At Cleveland-based Nations Lending, which makes home loans in 47 states, business is “down,” CEO Jeremy Sopko said. But for the most part that's not because of rates. While higher borrowing costs have squeezed the company's refinancing business - it's down 27% year-to-date - Sopko thinks some of that volume may be made up by increasing interest in home equity loans and lines of credit. Rather, it's the lack of inventory in nearly every market that Nations serves that's stifling activity. “We have a lot of people wanting to buy homes,” Sopko told MarketWatch. “Inventory is down, employment is way up but wage growth is stagnant, interest rates are spiking, and home prices are generally going up. A lot of potential home buyers just can't compete in this kind of environment. They are being priced out and simply can't qualify.” Freddie Chief Economist Sam Khater echoed that idea in a release issued Thursday. “Rising rates paired with high and escalating home prices is putting downward pressure on purchase demand. While the monthly payment remains affordable due to the still low mortgage rate environment, the primary hurdle for many borrowers today is the down payment.” The post Mortgage Rates Soar as Bond Market Sell-Off Catches Up to Housing Market appeared first on Real Estate News & Insights | realtor.com®. *This post is sponsored by CIT Bank and their new Savings Builder account. If you've been thinking it's time to get smart with your money and watch it grow, here are some great tips! One of the best phases in life is the one where you can start to let your money make money for you. It's like a door opening up to all kinds of financial freedoms. We've all experienced the days of hefty scrimping (remember those .19 cent ramen packets in college?). When my husband and I were first married, money was so tight that we literally put any spare change we collected throughout the week in a jar and whatever was there by Friday, that's how much we'd get to spend on date night. Some dates consisted of getting a soda at the corner gas station and then driving to the track field to look at the stars. Later, when we brought home our first baby (and subsequent baby bills) and my husband was still in grad school, I questioned if there'd ever be a day where we wouldn't feel so strapped. It's Time To Get SmartFast-forward ten years and we are there. Not by magic, of course. You know as well as I how much hard work goes into becoming more financially free. There is school to finish, and jobs to grind at, and debt to pay off, but there does come a day where ramen turns into filet mignon. And it feels good. Most of us are nearing that point, or have dipped our toes in the water, getting a feel for what our money can do for us. Financial freedom-that's the end goal! Now that we're out there tackling life, it's time get smart. It's time to make our money go the distance. If you're ready to take that next step toward that dream home or bucket-list vacation, get going on these three financial stepping stones. 3 Ways To Let Your Money Make Money for You1. Switch to a better savings account.Did you know that unless you are in a high yield APY (Annual Percentage Yield) savings account, your money is probably losing money? It's true! The average savings account-like the one you very well may currently be in-only pays you between .01% and .06%. That is insanely terrible! When you calculate inflation in, you are actually losing your hard-earned dollars in a savings account. Not CIT Bank's new online Savings Builder savings account. This is a brand new high Your dollars start growing dollars without you barely lifting a finger. I finally got smart and took that step and let my savings start making money for me. Here's how it works:Savings Builder is an online tiered savings account that offers nearly double the annual interest (APY) of regular Joe-Shmoe savings accounts. That means your money is earning a lot more than it would in a traditional savings account. The more money in your Savings Builder, the more money you make in interest. Open a CIT Savings Builder account with $25,000 or more and earn 2.15% APY on your money-one of the top savings rates in the nation! Don't quite have the $25K to open an account with? No biggie. You can still earn the 2.15% APY on whatever money you do put in your savings account, as long as you make one monthly deposit of $100 or more. (If you forget, CIT will send you a friendly reminder mid-month to schedule your deposit so you can keep your high APY.) Learn more/get a Savings Builder account here. (See site for details and disclosures.) Check this out:If you're like us, you might have a good chunk of change just sitting in a low-yield savings account. Guess how much it was making a year…$5. Five freaking dollars, that's it! Your money is actually losing money in a regular savings account! We finally got smart and moved our savings to a high-yield savings and it has been fun watching it grow. Check out the difference a year makes. With the CIT Savings Builder account, our money can make $1,075 a year, without us even doing anything other than switch. 2. Start now.The number one tip that financial advisors have for their clients is start now. Don't procrastinate your financial growth plan. You've probably heard this scenario about the gal who starts saving at 25 versus the guy who starts saving at 35. They both put $200 into an account and by the time they retire at 65, Emily has over $400,000 in her account while Dave has $200,000. The outcome is pretty drastic. Start now. Open a higher-tiered savings account now, rather than later. You can open a CIT Savings Builder account for just $100 with no opening fees and no maintenance fees. Your money will grow slowly, but it will grow. Now if you're at the stage in life where you've built up a commendable savings of $25,000 or more, you'll qualify for the Savings Builder top tier and earn that higher APY of 2.15%. It just makes sense to let your money make money for you in this way. 3. Shave off debt, then start saving aggressively.Getting rid of debt is one of the most rewarding pinnacles to reach. I remember the exact day and time that we made our final student loan payment. The feeling was like a physical burden being lifted. We felt free. If you've made a significant dent in your debt, way to go. Keep shaving each financial obligation off one by one. Once you pay down debt, it's time to start saving more aggressively. If you're in a high-yield savings account, your money will make money for you while you do nothing. If you want to play a more active role, start investing. Now that our family is growing older, things are changing. We're ready to build our dream home and ready to help our kids start saving for college. Reasons to Save and How Savings Builder Can Help
Luckily date nights now usually consist of dinner and a movie. But every once in a while, I miss our soda and star-gazing nights. Growing up means becoming more financially free and that is a great feeling. After all, I want to still be holding hands at the movies when we're in our 80s. If you want to learn more about how a Savings Builder tiered savings account can make money for you while your money just sits there, try CIT Bank online. It's time to sit back and start reaping the benefits of your hard-earned savings. (See site for details and disclosures.) SaveSave The post 3 Ways I Let My Money Make Money for Me appeared first on How Does She. If you have a project which deals with electricity, chances are high that that you will need to hire an electrician. Everyone wants to hire the best electrician for the job that you do not have to call them again or deal with a shoddy job. Hiring an electrician is not that complicated if you know all that you are looking for. There are a number of factors which if you consider them then you are guaranteed to find a good electrician Geelong. These are a number of factors that you need to consider. Interview a few ElectriciansThe best move when you are looking to hire an electrician is to interview a few electricians and determine who you would like to work with. It is not advisable to take the first bid without taking time to consider other bids. The minimum number of electricians that you should speak to is three as you compare them. You need to have a set of questions that you need to ask them to gauge their suitability. Check LicenseThe most important thing that you need to do is to find if the electrician you are hiring is licensed. The biggest error that one can commit is working with someone who is not licensed. Other than being licensed you need an electrician who is also bonded and insured. You have to check their credentials to make sure that they check out. Working with someone who is licensed reduced the worry as you will know that you are working with a professional. Check their previous workBefore you have settled on a specific electrician that you would be working with, it's important to look at some of their previous projects. The electrician should be able to show you previous project that they have completed. A good electrician will even allow you to make confirmation by checking up on their last project. This way you can have an idea of the kind of work to expect from the electrician. As you check some of their previous projects it's important that you find out for how long they have been in business. This will let you gauge the kind of experience that they have. Check Reviews and TestimonialsThe other thing which you need to do is to check the electrician reviews and feedback which they have received from the previous project that they have completed. You can ask the electrician to provide references that you can call and make a clarification. Ask them if they have testimonials which you can read or even watch. This way you will know what other people are saying about them. Determine costThe amount that is charged by the electrician is also an important consideration. This is because you need to find out if the electrician will be charging per hour or by the job. The best mode is by the job where you get a full quotation of how much the whole project will cost you. In price you can compare a few electricians to see where you get the best deal. The post 5 Steps to Hiring an Electrician appeared first on Handyman tips. |
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January 2019
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