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Many Americans have considered moving in the last few years. Some are lucky enough to work remotely, others may be lured by housing prices. If you are considering moving here are seven things to consider. 1. Housing and Cost of Living: Research the cost of housing, groceries, utilities, and other expenses in the area to ensure that you can afford to live there. 2. Job market: If you are moving for a job, make sure it is secure and that there are other job opportunities available in the area. 3. Education: If you have children, consider the quality of the schools in the area. You may also want to consider the availability of higher education institutions if you or a family member plans to continue your education. 4. Safety: Research…

As we say goodbye to 2022, if you are planning on buying a home in 2023 here are 5 things to do. Put Savings In A High-Yield Account If you are planning on buying you will need your money to be “liquid” or relatively easy to access for a down payment. Check Your Credit You may have heard this before but it’s important, so we’ll say it again. Review your credit report to make sure there are not any errors or attempts at identity theft that can erroneously lower your credit score. Down Payment or Closing Costs Assistance It’s a good idea to check to see if you qualify for down payment or closing cost assistance or grants. Monitor Your Market Real estate is local as they say so keep…

From Our Family To Yours We wish you and your family a safe and happy holiday with plenty of good food and cheer!

As 2022 comes to end its a good idea to do a year end financial checkup. 1. Review your budget and savings plan Analyze your spending and saving for the year. Your savings might not have gone to plan this year and that’s ok – focus on replenishing your emergency fund first if needed and recalibrate plan for 2023 if needed. 2. Maximize Retirement Plan Contributions If you participate in a 401k make sure you maximize contributions before the December 31 deadline, you have until April for Roth contributions 3. Review Your Insurance Coverage Check your insurance coverage in many parts of the country housing prices went up, make sure you home is covered under current market prices. Also check your liability coverage and consider getting an umbrella liability policy…