Are you considering making a major purchase, like buying a home, this year? If so, your credit score will likely come into play. An understanding of the basics can help you effectively monitor and manage it.
Lenders use this three-digit number to predict risk and the likelihood that you’ll repay your debt on time. The higher your credit score, the less risk you are and the lower your loan terms will be. For example, a person with a “good” credit score of 700 may have a lower interest rate and smaller required down payment than someone with a “poor” credit score of 400.
Do you know what vital information to have on hand in the event of a natural disaster or family emergency? When an unexpected situation arises, there’s no time to sort through paperwork, no matter how essential it may be. Having everything you need in an organized emergency binder can streamline the process and give you peace of mind.
What to Include in an Emergency Binder
While there’s no shortage of important family documents and household records, a true emergency calls for a few must-haves:
Vital records like birth certificates, driver’s licenses, Social Security cards, naturalization documents, passports and child custody papers.
Insurance policies, including homeowners, renters, auto, life and health.
Property records such as real estate deeds, rental agreements, and vehicle titles and registration.
Financial documents like wills, trusts, powers-of-attorney and funeral instructions.
Safely Storing Other Important Information
Some items, such as account passwords and a backup of critical computer files, aren’t suited for a portable binder. Instead, house them in a secure location like a safety deposit box or lockbox. You can also include a home inventory list, contracts, business paperwork, tax returns and investment records.
Play it safe and include a recent photograph of every family member, along with fingerprints and dental records. You may also want to store valuable memorabilia, jewelry, and priceless family photos, letters and documents here as well.
There’s no way to predict when misfortune will strike, but that doesn’t mean you shouldn’t be prepared. Set aside an afternoon to create an emergency binder that can help protect your family when time is of the essence.
Local homeowners are looking to make some extra cash during Super Bowl LI weekend by leasing out their houses.
Hotel rooms are going to be harkvd to come by, and renting a whole house is ideal for families or large groups of friends, so locals are gearing up to capitalize on the game-time festivities.
Some homeowners are even renting out their luxury pads from $10,000 to $15,000 per night.
At those rates, only the athletes will be able to stay in one of these dream houses:
River Oaks: This Neoclassical-style house has five bedrooms, eight baths and 10 parking spots. At 8,500 square feet, the home has enough space to host big parties. Entertaining spaces include a game room, billiard space, multiple patios, terraces and an expansive summer kitchen. The best part? The home comes with daily maid service and a driver. Price per night: $10,000
Rice Military: Situated near Memorial Park, this custom home has a theater-style movie room and resort-style backyard complete with an outdoor lounge and a putting green. The 7,000-square-foot, three-story house has four bedrooms, five baths and six parking spots. Price per night: $10,000
Galleria Area: A modern penthouse condo offers guests panoramic views of the city. The sleek interior has floor-to-ceiling glass windows that allow for stunning vistas from anywhere in the unit. The 2,000-square-foot home has two bedrooms and two baths. There are four parking spaces, but the host is willing to arrange for a car service. Those renting the space will have access to the building’s amenities, including a gym and hot tub. Price per night: $5,000
The Heights: This entire, 8,400-square-foot Victorian-style bed and breakfast will be leased to one private group for the Super Bowl. It has 14 parking spots, a large front porch and 10 quaint bedrooms. The 12-bath space has been operating as a lodging accommodation for three decades. Price per night: $15,000
Clear Lake: Billed as a million-dollar mansion, this four-bedroom, four-bath house has a number of amenities for those who enjoy water sports. Outside there’s a boat dock with access to the bay, a resort-style swimming pool and a fully equipped summer kitchen. The 6,035-square-foot space sleeps eight and is 23 miles from NRG Stadium and also 23 miles from Galveston. Price per night: $1,000
Note that these are average rates, and that some homeowners require a minimum two- or four-night stay.
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