Know Your Family's Health History - 02/11/08 02:32 PM
Several years ago, the U.S. Department of Health and Human Services launched a campaign to raise public awareness of the importance of individuals knowing their family health history.  Since many diseases can run in families (cancer, heart disease, diabetes, etc.), knowing your own family's history could help prevent your getting the disease and even save your life.  For more information, visit www.hhs.gov/familyhistory.  At your next family reunion, you'll have plenty to share!
By the way, here's an interesting tid bit about the American health insurance crisis.  According to the AARP Bulletin*, from 2005 to 2006, there was an increase of 2.2 million Americans without … (3 comments)

Supply and Demand in the Housing Market - 02/11/08 02:31 PM
We've all seen changes in the housing market lately.  If you purchased a house in 2004-05, your equity is growing slower than expected due to buyers' market conditions.  In a sellers' market, equity tends to grow at a higher rate of return.  In 2003-05, sales prices grew about 10%-16% in the Charlottesville and surrounding areas.  It tapered off to about 6% in 2006 and 2% in 2007.  This shows a pattern of a housing boom for 2 years, a correction period for 2 years, now it's a more "normal" market. 
It's a great time to buy if you plan on staying … (0 comments)

Remodeling Costs vs. Value - 02/11/08 02:28 PM
Thinking about remodeling your home? Many homeowners don't think about remodeling until they're ready to sell. This is wise, but, only in part. Remodeling recovery rates were down in 2007 from 2006 due to rising remodeling costs and slowing home appreciations. Currently, if a remodel is recently completed before listing it for sale, the recoup rate ranges from 60-86%, depending upon the project. This may change a homeowner's perspective - make the decision to do the remodel job based on your own personal enjoyment first, but, get an experienced Realtor's advice regarding the remodel project of choice for resale purposes in … (0 comments)

Paying Off Mortgage is Important for Financial Freedom - 02/11/08 02:26 PM
According to Peter Cefarati of Mahone Mortgage, LLC, financial freedom gives you more control over your life in times of economic uncertainty and rising costs.  That means owning enough working assets to support you, so you have time to enjoy life, family, helping others, and give your children and grandchildren a head start to their own financial freedom.  Over the years, Peter has helped many families use their real estate financing as a tool to grow their wealth. 
One very viable solution to finding financial freedom is paying off your house.  IF I COULD SHOW YOU A PROGRAM THAT COULD HELP YOU PAY OFF … (0 comments)