Wednesday, February 27, 2019 / by Zach Obrigewitch
In few instances, debt may work in your favor.
You know the old adage, "spend money to make money," So if you are planning on obtaining a business loan, or a mortgage, you can use the debt in your favor. With that being said, your credit health needs to suffice the requirements set forth by the financial institution in order to obtain the sum of money. In 2017, FICO (originally Fair, and Isaac Company) stated that 11.7% of Americans had poor standings with their credit score. Increasing your credit score is as much a mindset, as it is a skill set. Here are a few easy steps, that if you buy in, can increase your credit score/history, allowing you to conduct larger financial decisions.
1. Eliminate small credit card debt.
What we like to call "clothing credit" this has to be the first to go. Credit lines through places such as retailers (department stores, electronics, furniture) can be easy to get into, but tricky to get out of. If your monthly bud ...
Wednesday, January 23, 2019 / by Troy Krabbenhoft
No matter what you do for a living, cleaning around the house can get expensive.
There seems to be a chemical cleaner for every mess around the house. Windex for the windows, Pledge for the dust, Simple Green for the counters, etc.. These cleaning solutions really start making a dent in the old pocket book. The "solution" to the problem is to identify the many uses of common household items that most every household will have in their pantry. Here are five cleaning hacks that are safe, cheap, and thoughtful.
1. Stop the squeak in floors...with baby powder.
That's right, just identify the squeaky floor-boards, and sweep talcum powder in the cracks. The powder will compress and keep the floor-boards from grinding and squeaking. College students will love this hack, and so will the people who try sneaking to the kitchen for a midnight snack.
2. Easily clean your shower, and wash your worries down the drain!
Many pe ...
Tuesday, December 04, 2018 / by Troy Krabbenhoft
We have all been there...
In the middle of "life happening" and suddenly, you need/want to make a very large purchase requiring a trusty salesperson.
Salespeople are necessary to explain the in's-and-out's of the product you are wishing to purchase, but they can still be pesky. If you are in search of a home for work, you have already decided what you are going to do. Now you need to pair yourself up with the correct professional, that will build rapport and expedite a great deal.
Here are eight great-qualifying questions while interviewing an agent in the Fargo-Moorhead market.
1. Do you work independently or as part of a team?
Many agents work independently, while others work within a team. You will want to determine how many moving pieces will be listing and assisting you along your home-buying journey.
We at the Krabbenhoft Real Estate Team whole-heartedly believe in a team approach. Our team is made up of specialists all with the same goal in mi ...