by Shannon Simmons | Feb 25, 2013 | Housing, Living Life, New School Thinking, Small Biz
So you want to start a business? The days of sticking with the same job for 30 years and getting a cushy pension are ending. Freelancers, entrepreneurs and small businesses are the future. The first thing you may want to do is figure out what steps you need to do to...
by Shannon Simmons | Sep 4, 2012 | Budget, Housing, Living Life, Money
The Down Payment Housing prices continue to soar in most urban-city centers. Wages are getting squeezed tighter and tighter and the cost of living keeps rising. It’s time to face facts. Many of us may not be able to afford to buy a house. Have you heard of the 20%...
by Shannon Simmons | Sep 4, 2012 | Budget, Credit, Housing, Living Life, Money
Most people have hear the rule that your monthly housing costs shouldn’t be more than 32% of your gross monthly income, but I’m a bit more hardcore than that. This rule can still lead to House Poor Tragedy. The reason? It’s calculated on your gross income, which...
by Shannon Simmons | Sep 4, 2012 | Budget, Housing, Living Life, Money
So, you’ve saved up a down payment, you know you’re not going to be house poor and now you want to start your house search. Before you begin, you should get pre-approved for a mortgage from your financial institution. Here’s how to wow your financial institution...
by Shannon Simmons | Sep 4, 2012 | Budget, Family Finances, Housing, Living Life, Money
There’s an old saying, what’s mine is yours, what’s yours is mine. Well, in the case of a separation, this may be the best or worst thing that ever happened to you. The laws governing common-law break ups are not even close to being similar as divorce. The ring...
by Shannon Simmons | Sep 4, 2012 | Family Finances, Housing, Living Life, Money
When newly in love, nobody likes having the “what if we break up” chat. But, it’s important. If you’ve got large assets, like a house or investment portfolio, or if you are planning to be a stay at home parent, these talks are important to ensure that you and your...
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