Los Angeles may be known for its beach living and celebrity-infused backdrop, but it was once a farm town. The hillsides were covered in citrus orchards and dairy farms, and agriculture was a major industry. These days, although L.A. is urbanized, the city’s overall landscape has re-embraced a local, sustainable, and seasonal philosophy at many levels. Read more
Having the right insurance policies in place can soften the blows from unexpected events that would otherwise mean financial catastrophe for you and your family. But if you’re like many people, you may not fully understand all the policies you have, let alone whether they’re adequate to meet your needs.
Here are some tips to help you assess your current coverage and decide whether you need to make any changes. Read more
Wealth Isn’t About Money;
It’s About Freedom to Do What You Want
True wealth is the freedom to spend your days doing what you’re passionate about and what you think is important. If you are not living within your means and your cost of living is high, you may have no choice but to keep slogging away at the job you don’t like. But if your costs are low, you’ll find it easier to save money and you’ll be in better shape if you get laid off. You’ll need a smaller nest egg to retire in comfort, and you may have the financial freedom to take a lower-paying job that you like.
But store up for yourselves riches in heaven, where moth and rust do not destroy, and where thieves do not break in and steal. Matthew 6:20
Want to get your living expenses under control? Try these three steps: Read more
Parents Can Be Generous Without Turning Children Into Entitled Little Terrors
You want to give your children everything. But sometimes you can go too far and create a spoiled, entitled brat.
The consequences can be severe: In addition to acting like whiny complainers now, spoiled children are more likely to grow into financially dependent, irresponsible adults plagued by overspending and debt.
“Some parents want their children to have everything for free,” says Katherine Dean, managing director of wealth planning at Wells Fargo Private Bank in San Francisco. “But the real world doesn’t work that way.”
Financial advisers and therapists suggest various ways to avoid spoiling your children. Read more
At LDSAgents.com we frequently encounter young clients who cannot qualify for a home loan due to high student debt.
“As students graduate with more debt than ever, those with student loans are getting worse credit scores and taking out fewer mortgages. At the same time home ownership rates among younger Americans sink to historic lows. College students who took out loans will graduate this year with an average of $33,000 in student debt, Read more
Dallas, Texas has 15 stakes and an active LDS community.
Dallas-area home prices rose at the smallest rate in seven months in April. But prices were still up 9.3 percent in the latest Standard & Poor’s/Case-Shiller Home Price Index.
“Although home prices rose in April, the annual gains weakened,” S&P’s David M. Blitzer said in the report. “Overall, prices are rising month-to-month but at a slower rate.”
Even with the slower price gains, Dallas-area home prices are now at a record high in the Case-Shiller report.Dallas-area prices are up about 8 percent from where they were before the recession in 2006. And prices are up by more than 20 percent from the worst of the recession in early 2009. Blitzer said “prices are being supported by cash sales, low inventories and declining foreclosure and REO sales.”
For more real estate information on Dallas Texas or to connect with a realtor in the area, go to www.ldsagents.com
Wouldn’t it be nice to approach your home’s entrance with a grin instead of a grimace? Use these tips for a clear, safe, and stylish path to your front door.
1. Clear the way for curb appeal. The path to your front door should be at least 3 feet wide so people can walk shoulder-to-shoulder, with an unobstructed view and no stumbling hazards. So get out those loppers and cut back any overhanging branches or encroaching shrubs.
2. Light the route. Landscape lighting makes it easy to Read more