With last Friday’s job report it appears the Fed will likely raise rates again later this year. Rates are still historically low, however if you are thinking about refinancing and cashing out some of the equity that is risen in your house in the last few year or if you are considering purchasing in the next few months now is a good time to 🔒 the rate in.

Hopefully you’ve come out of your candy coma after a fun Halloween 👻 and are making November great! Here are a few tips for the month – did you know it’s the slowest month for doctors? So if you have money left over in your medical spending account, now might be a good time to make an appointment and not have to spend the whole day in the waiting room! November is also a great time to buy appliances like a new fridge or tv, as they are often heavily discounted. And you can also score deal on summer left-overs like a bike or grill! If you’re hunkered down in the colder weather and shorter days there are some great new options on Netflix! A family favorite option is Good Will Hunting, if you’re into the GOT type of show we suggest the new Outlaw King, and if you’ve put the kids to bed you can enjoy the classic Animal House.

Here are some tips for healthy Halloween treats:
Ok sorry we don’t have any 🙈
We’d love to suggest giving out an apple, but if its not going to get eaten, why not give them something fun not loaded with sugar that they’ll still enjoy! Here are a few suggestions for the kids! You can try stickers, bouncy balls, mini-notebooks, led light up rings, skeleton pens… Ok obviously there’s a ton of great options so try one of these or let us know a good one we left out!

If you have a young one going off to college next year, its a good idea to see if you’re eligible for federal financial aid. Last year 2 million students could’ve been eligible but didn’t apply! You can apply now for next year and some states are on a first come first serve basis. Here’s a link to the FAFSA site to apply https://studentaid.ed.gov/sa/fafsa

Although mortgage rates rose this week to go above 5.05%,
they are still historically low in comparison to the past.
The average 30 year rate was about 6.5% in 2007.

5 things to do if you’re going remodel
1. Have it planned – set a budget, plan your products and materials in advance
2. Think about how its going to be used – consider long term maintenance costs when comparing prices
3. Hire someone qualified – hiring the best person for the job is key, get references and check past work
4. Get a detailed contract – make sure everything is covered including start and finish dates
5. Stay cool! Remodeling often has snags and surprises – keep your cool and focus on the finish line!

October is coming and as we transition from summer to fall, from lemonade to apple cider and watermelon to pumpkins here is some financial advice and news to benefit you.
If you haven’t reviewed your credit in a while now is a good time to. You are entitled to a free credit check every 12 months. Make sure there’s no fraudulent listings, as well as inaccurate information like a wrong address and keep an eye for closed accounts that are still reported as open!
We know some of your favorite pumpkin spiced drinks are coming here’s a few new movies on Netflix. There’s vintage Adam Sandler with Billy Madison, for the kids there’s Super Monsters Save Halloween, and after you put the kids to bed The Shining is available 😱

Happy Labor Day from all of our family to yours! We’re wishing you get to enjoy the last weekend of “summer”

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