Vacationing on a Budget

We recently returned from a 10-day trip out west. We hiked in the Nevada high desert, went to Lake Tahoe, stayed a few nights in Yosemite National Park, sat in hot springs in the California Mountains, spent 3 days in San Francisco, visited the Red Wood Forest on the California coast, and hiked in several…

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Personal Financial Update, NOV 2019

November is here and with it comes the falling leaves, chilly nights, and shorter days.  They are calling for snow showers in the next few days. I bought oil for the tanks to keep the furnace running, and I got a load of firewood for our camp for the winter.  Hunting season is fast approaching…

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What To Consider When Selecting a Financial Advisor

There are going to come times in life when your finances are a bit more complicated than you’d prefer. When this happens, it can be important to understand your options. Many consumers find that hiring a financial or investment advisor can be a huge advantage. If you are looking for a simple way to obtain…

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Pros and Cons of HMO Properties in 2019

HMO’s (houses of multiple occupation) over previous years have been an attractive method of increasing rental income per property for landlords, drawing in many first time and repeat buy-to-let landlords.  With a growing number of people gravitating towards urbanised living, there is a continued rise in demand for HMO property from tenants. It appears a…

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Buying Used Items

You have certainly needed or wanted something in your lifetime. And, what do you do when you want or need to buy an item?  You most likely go to a store or a website and purchase whatever it is you are looking for correct? That is normally what I do for everyday items. Walmart and…

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Smart Ways to Save on Your Energy Bills This Winter

Now that there’s a chill in the air and many homeowners are starting to look ahead to the fall and winter holidays, it’s time to prepare your home for the seasonal change. But if you’ve already had to turn on your heating system, you might be worried about what the weather could cost you. Statistics…

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