Monday, January 01, 0001

While the stronger signals of an imminent market bottom and turn are encouraging, the expected pace of housing recovery over the coming three years is significantly weaker now than it was two years ago.

Credit and insurance scores measure how well individuals manage their money—not how much money they make. And actuarial studies show that how a person manages his or her financial affairs is a good predictor of insurance claims. Statistically, people with a low insurance score are more likely to file a claim.

Failure to prepare early may prove costly when pipes freeze.

With records being maintained by a variety of autonomous municipalities—from county courts all the way up to the federal government—there is no centralized database for those seeking access to these records to use.

One-of-a-kind furnishings are becoming the most sought-after home design category as budget-minded consumers seek out artwork and accessories that reflect individual interests and lifestyle. Using their existing furnishings and then incorporating family heirlooms, antique and vintage store treasures, pieces from Etsy dealers; consignment stores, flea markets and Craigslist, there are more sources for distinctive looking interiors than ever before.

Failure to prepare early may prove costly when pipes freeze.

Failure to prepare early may prove costly when pipes freeze.

The abundance of properties that can be purchased for deep discounts has dwindled, which means proper evaluation of home values has gained importance as inventories have declined. As the anticipated holding period of the investments increases, the need to be able to evaluate the stability of individual markets takes on greater significance.

Is your deck or patio ready for months of outdoor fun? If your outdoor space is a bit drab, there's no need to fret. The year's top trends in outdoor living will transform any deck in an instant and create a space that is truly an extension of the home.