O.K., nobody likes to admit it, but we all age. It’s part of life. We can deny it all we like, but the truth is, time takes its toll on our ability to get around. We can’t bounce up those steps like we did in our younger days. We can’t grip or push or pull like we used to either. The problem is, many homes have features that don’t take these types of limitations into account.

Fortunately, there’s a new trend called, “aging in place.” Many seniors are now choosing to remain in their homes longer rather than move to retirement communities. This means homes occupied by older residents many times need updates to help offset the effects of aging.

Home, sweet home. A white picket fence … that you have to paint. A colorful garden … that you have to weed. A modern kitchen … for the 1960s, that you have to replace. You get the idea. Being a homeowner has its pluses and minuses. The big question always seems to be, should you rent (apartment, house) or should you own (house, condo).

We’ve all heard so much in recent years about “credit scores.”  But, what are they and how are they used?

A credit score is an empirically derived, statistical method of assessing risk. In other words, it’s a way for credit reporting agencies to assign a numerical number to your credit worthiness. This number is used to predict the relative likelihood that an individual will repay a credit obligation, such as a mortgage loan or automobile.