YMS Group - by Lokation Real Estate

YMS Group - by Lokation Real Estate Enthusiastic, self-driven, and committed real estate professional that specializes in helping others.

Retirement reality check: Should you preserve your nest egg or pay off your mortgage before you retire? Here are some co...
04/12/2023

Retirement reality check: Should you preserve your nest egg or pay off your mortgage before you retire? Here are some considerations.

The Baby Boom generation is carrying more mortgage debt into retirement than any generation before it, bucking conventional wisdom that you shouldn’t enter retirement until you’re debt-free. Who’s right? What’s the best path for you? Here are several factors to consider. Losing a tax break. ...

What role does gender play in home finances? Find out if it’s men or women who are quicker to take a risk.
04/10/2023

What role does gender play in home finances? Find out if it’s men or women who are quicker to take a risk.

Stereotypes aside, men and women think differently when it comes to home finances and debt. Who is more careful with money? Who is the bigger risk taker? Take a look at some numbers. Who takes on more debt? Women tend to take on less overall debt than men, according to a 2014 Bankrate.com article ex...

An attractive outdoor space can add a great new dimension of living to your home. What’s the best option for you - patio...
04/08/2023

An attractive outdoor space can add a great new dimension of living to your home. What’s the best option for you - patio, deck, sunroom or screened porch?

If your home doesn’t have a dedicated place for outdoor living, you might consider adding a deck or patio. Another popular addition is a sunroom or screened area that expands living space, allows lots of outdoor light, but keeps some of the peskier outside elements away. Let’s check out each typ...

Do you have financial mistakes in your past? Here’s how to avoid being victimized by a broker that may try to exploit yo...
04/07/2023

Do you have financial mistakes in your past? Here’s how to avoid being victimized by a broker that may try to exploit your record.

Despite the mortgage-lending reforms that followed the 2008 economic crash, it’s your job as a consumer to be on guard against questionable lenders — especially if you have damaged credit and shaky finances. Here’s how to protect yourself. Know what you can afford. The first step toward protec...

Ready to cut the cord on cable or satellite TV? Check out the multitude of apps that provide online movies and TV shows ...
04/05/2023

Ready to cut the cord on cable or satellite TV? Check out the multitude of apps that provide online movies and TV shows at a significantly lower cost.

If you’re thinking about “cutting the cord” on satellite or cable TV, the alternatives are plentiful and available at a fraction of the cost.

If your yard is looking a little lackluster after the winter, you should read this article - your shrubs and flowers wil...
04/03/2023

If your yard is looking a little lackluster after the winter, you should read this article - your shrubs and flowers will thank you.

Healthy flowers and shrubs depend on good soil and plenty of water. But not doing enough if you don't add a three- to four-inch layer of quality mulch.

Friend or foe? What does the HOA mean to you as a homeowner?
04/01/2023

Friend or foe? What does the HOA mean to you as a homeowner?

Homeowners associations provoke strong emotions. Depending on who you ask, they are viewed as either the neighborhood’s protector of home values or, in some cases, a small group of residents who take community rule enforcement to the extreme. What is an HOA and why do they exist? Simply put, an HO...

You don’t need a degree in finance to understand a mortgage, but the choices can be confusing. Take a look at this prime...
03/31/2023

You don’t need a degree in finance to understand a mortgage, but the choices can be confusing. Take a look at this primer to make sure you secure the best loan for your home.

Shopping for a home also means shopping for a mortgage. If this is all new to you, the multitude of mortgage types might be confusing. Here’s what you need to know. Fixed-rate mortgage. The fixed-rate mortgage is the most traditional way to finance a home. Typically available in fifteen- and thirt...

When buying a home, how do you know which items remain with the property and what goes with the seller? Refrigerators? M...
03/29/2023

When buying a home, how do you know which items remain with the property and what goes with the seller? Refrigerators? Mirrors? Shelving? Here’s what you need to know.

When a home seller and a buyer come to an agreement on a sale, more than just the house and land are involved. Misunderstandings sometimes arise over elements of the home that the buyer thought were staying and the sellers intended to take with them. These decisions revolve around three legal concep...

Learn how to turn buyers’ heads with these easy and affordable gardening tips for the peak selling season.
03/27/2023

Learn how to turn buyers’ heads with these easy and affordable gardening tips for the peak selling season.

Springtime is peak season for listing your home for sale. A well-manicured lawn and colorful landscape provide a luring setting for buyers on the hunt so let’s roll up our sleeves and get to work. Plan for a springtime sale by prepping the landscape the previous fall. Clear any clutter from the ya...

Is your formal living room wasted space? Here are some tips for making it modern, usable, and functional.
03/25/2023

Is your formal living room wasted space? Here are some tips for making it modern, usable, and functional.

If your home has both living and family rooms, you may be using only the latter. Here’s how to easily make your unused living room into a home office.

Find out how buying a home can minimize the sting of the IRS.
03/24/2023

Find out how buying a home can minimize the sting of the IRS.

For most people, their home is their biggest investment -- and their biggest tax benefits. As always, it’s best to consult your tax adviser for specific information, but let’s walk through the most common, basic tax savings of homeownership.

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