Annette B Miller Realtor

09/03/2026

Thinking of adding a splash of red to your home? Here's how!

Love the color red but not sure how to add this bold shade to your space? Below are a few tips. Art....

09/02/2026

Pass along the financial lessons you've learned to the younger generations.

Teaching children manners and how to tie their shoes is one thing, but financial lessons are often p...

08/31/2026

Ever have a conversation that ended badly, but you don't know why? Here are some tips on clear communication.

Whether it’s a big talk with the boss, a deep process with your partner or breaking some hard ...

08/29/2026

If wedding bells are in your future, it's time to sit down and open up with your soon-to-be spouse.

Getting ready to walk down the aisle? Congratulations! As you prep for your new life together, it

08/28/2026

5 Overlooked Places to Clean
Regardless of how much time you spend cleaning, there are likely to be a few places you overlook. Below are five frequently missed spaces that may need a little elbow grease.

Baseboards. While cleaning, look down. The baseboards running along the floor may likely need a little TLC, as they commonly pick up dust and debris throughout the year. Give them a scrub at least twice annually.

Doors. When is the last time you washed the surface of your doors? How about the door jambs? Doors get a ton of traffic, especially to high-use places like the bathroom. Give them a wash at least twice a year to remove fingerprints, dust and grime.

Behind appliances. Pull out the fridge and stove and take a look at what’s lurking back there. In addition to dust, you could find food scraps that attract critters, and even missing cooking accoutrement.

Stairs. Look closely at your staircases and you will likely find a thick layer of dust in the crevices and cracks. Give them a sweep or a vacuum to keep them in top shape.

Cabinet interiors. At least once a year, empty everything out of your cabinets and give them a wipe down. This will remove dust, mildew, cobwebs and any critters that may have moved in. Bonus: with everything out of the cabinets, you now have the ideal opportunity to reorganize! Win!

08/21/2026

Managing Credit Responsibly as a College Student
Building good credit in college is one of the best financial moves students can make. Having good credit allows them to qualify for loans, rental applications, auto insurance, phone plans and can help them get a job.

Being responsible with credit is the best way to establish and improve a credit score. For college students without much credit history, there are small but important steps they can take to build up their score.

Obtaining a Student Credit Card

Some credit cards are marketed to students and others who don’t have much borrowing history. Federal laws restrict issuing credit cards to anyone under 21 unless the applicant has the independent ability to repay debt or has an adult co-signer who accepts joint liability for the account.

Student credit cards may have low credit limits, such as $1,000, but they are otherwise indistinguishable from other credit cards. They may even have features such as cash back, no annual fees and budget management tools.

Using Credit Cards Wisely

After getting a credit card, students can start using it slowly and for occasional, small purchases that can be paid for on time. This will help build credit history and help them stay out of debt.

Students shouldn’t let a new card sit in their wallet. They must use it or risk the bank closing it due to inactivity. Putting small, recurring charges on it, such as a Netflix account or other website subscription, is an easy way to maintain use at a low cost.

Students shouldn’t make any big purchases unless it’s an emergency. Having low debt levels on their credit card will allow them to have enough of a credit line available in an emergency, and will increase the credit utilization part of their credit score.

Building Credit With Student Loans

One of the last things college students want is to default on their student loans, as this affects credit.

Borrowers should make at least the minimum payment each month and do it on time. They should borrow only what they need to go to school, instead of using the funds to buy a car or dine out. Once they graduate, they may want to consolidate their student loans to get a better interest rate.

On-time payments and paying off student loans will improve the credit score over time. If students run into problems making payments, they should contact their student loan provider and ask for forbearance. Federal student loans also offer Income-Driven Repayment plans that base payments on a borrower’s income.

08/18/2026

With A Beau Monde Salon – I just got recognized as one of their top fans! 🎉

08/16/2026

08/09/2026

If you need a Pre-Approval for a home purchase you can call Lisa.