Wednesday, June 05, 2019 / by Kim Garcia-Luague
Learn everything you need to know about light bulbs so you can pick the best one for your home. Image: united photo studio/Shutterstock
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For over a century, Americans have used electricity to light their homes. And that’s meant a recurring purchase: light bulbs. But if you’re still using incandescent bulbs in your home, it’s time for an upgrade.
Today there are new, more energy efficient options. And even if you don’t care about your energy consumption, you’ll want to know this: these new light bulbs can save you money in two ways. First, their minimized electricity usage means you get lower utility bills. Secondly, they last longer so you’re not shelling out for new bulbs nearly as frequently.
Think a few bulbs here and there aren’t that big of a deal? Think again. ENERGY STAR reports that t ...
Monday, June 03, 2019 / by Kim Garcia-Luague
Experts estimate that 200 young children will drown in swimming pools each year. In Harris County, more than 20 drownings have occurred in 2019 alone.Many places in Houston are kicking off summer with free swim lessons, so if the kids do find themselves in the water, they can enjoy it safely.
YMCA A free swim class will be held at the YMCA of Greater Houston on June 8 from 9 a.m. - 3 p.m.Space is limited, so register today on the YMCA website.Houston Parks and RecreationSign up for youth swim lessons at absolutely no cost to the public.
Classes are offered at various skill levels: beginner, intermediate, and advanced. Each session meets for a 30 minute class Tuesday through Friday for two weeks. To register for the classes, visit their website.The City of Houston has also opened its 37 pools and 29 splash pads.Anyone wanting to take a dip can enjoy the pools until 8 p.m. Saturday.The regular summer schedule has begun, with pools open 1 to 8 p.m. Tuesday throug ...
Tuesday, April 23, 2019 / by Lupita Reed
For many first time homeowners, at closing, they get advised to file Residential Homestead to save money on their taxes. However, no one mentions the right that you have as a homeowner to protest the value that the appraisal district sends to you every year. In March/April appraisal districts start to send notices to every homeowner in Texas reflecting their computer generated value for their property. If you disagree with this value, you can "Protest" this value in writing by May 1st. If you don't protest you lose the opportunity to save hundreds, possibly thousands on your tax bill due the following year in January. Once you file the protest, the appraisal district will send you a notice with the time date and location of your hearing.
Before the hearing, you must prep your file. This means you must gather facts and evidence to argue with an appraiser why you think you deserve a reduction. This may or ...
Saturday, April 13, 2019 / by Kim Garcia-Luague
So, Rates are Down. Now What?
Lets be honest, what does that even mean. Most first time home-buyers are unclear about the buying process as it is. (I will go into that more on another blog post). It means that over a 30 year mortgage, you payment will be slightly lower than what it would have been if you purchased a home at the end of 2018 or early this year. This is good for those home buyers that may have wanted to buy in the last 6 mos but couldn't get qualified for the amount they wanted because the rate may have put them out of their ideal payment amount and didn't have or want to put extra down payment (of course there could have been other factors involved).
All in all, its a great time to buy, with all the mortgage programs available, if you are renting, then you can buy.
Click HERE to see rates
See the example below based on a $250K purchase price via conventional loan, 3.5% down, a 640 credit score, property taxes at $ ...