If you want to make an important purchase but do not currently have the money, you don’t necessarily have to put things on hold. If you own a house and have been paying your mortgage for several years, you may have enough equity to qualify for a home equity line of credit, or HELOC. Before you take that step, you need to understand how a HELOC works and ask yourself whether the purchase you want to make is worthwhile and whether you can handle the responsibility that comes with accessing your home’s equity.

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If you’ve ever noticed a rise in interest rates in the news or saw your credit card bill get a little higher, there’s one federal agency that you can look to: the Federal Reserve Board.

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One of the best parts about the holiday season is getting together with your family and friends to enjoy a festively-themed night out. Although many of our beloved holiday events have been cancelled this year,  the “Gift of Lights”, is one local favorite we don’t have to miss!

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Cleaning doesn’t have to be a hassle if you keep on top of it. Here are some small daily steps you can take to keep your home clean.

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On the surface, the house looks great – fresh paint, new appliances in the kitchen, new carpet throughout and maybe an updated bath. The colors are modern and appealing and the home has been staged to perfection. That’s the goal of a flipped home - to make you feel like you could move right in without being bogged down with repairs and updates.

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A rule of thumb when determining how much money to set aside for ongoing home maintenance is to budget 1 percent of the home’s purchase price each year.

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Have you lived in New Hampshire your whole life? Did you move away and came back? Did spend a season skiing here and never left? If you answer to any of this question was yes, then you'll agree with me in what I'm about to say. New Hampshire offers a quality of life that can't easily be compared to any other state in the nation. This might sound like my own bias opinion, but it is backed up by facts. Don't believe me? Look up how New Hampshire ranks in many national qualities of life indicators in this section. We always rank in the top ten and often in the top three. 

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For such a small space relative to the rest of your home, the bathroom is a place you may spend a lot of time. Aside from the necessary breaks, you also shower there when getting ready for work or might soak in the tub after a long day. And getting ready for a night out can easily add another 30 minutes to your normal bathroom time.          

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New Hampshire's natural attractions offers a great way to guarantee a good time with plenty of things to do outdoors, often times for free. Visitors can  have a rage of options from beautiful ocean and lake beaches, miles of kayaking waters, above-timberline hiking on the Appalachian Trail, sailing on mountain-ringed lakes, fun-filled theme and water parks for kids, exciting rides to mountaintops, and tours of historic houses. So whether it's challenging hikes, sailing, foliage viewing in the fall, tax-free shopping, skiing in the winter, covered bridges, or colonial history, you'll find it - and plenty more - in New Hampshire.

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Most employers are still on the fence on whether employees should be able to work from home and weather it's more productive than a regular job setting. However, research from a recent Harvard business review article suggests that people who work their same office schedule from home get a lot more done per day than those that work in a regular office. 

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