Baby Boomers

More and more adults are discovering the benefits of active lifestyles. Go to any park, fitness center, tennis facilty and so forth and you will see more baby boomers than ever adopting more healthy and active lifestyles. Today more than ever many homeowners are looking for ways to downsize the size of their home without sacrificing the quality and amenities they expect. Many builders are recognizing the desires of active adults and as a result low maintenance, quality throughout and custom feature neighborhoods are popping up more and more. The options are incredible and there are more features than ever to meet the demands of this group of adults as they enter a new phase in their lives. Wonderful communities featuring incredible homes which are smaller in size and require less maintenance for upkeeping are becoming more and more popular. People want to enjoy their free time enjoying many active lifestyles instead of feeling that the weekends were meant for cleaning house and doing yard work. We would love to help you transition to this type of lifestyle so give The Guilliams Team a call and let us introduce you to the number of options available to homeowners today.

How to improve your credit scores

Life events can effect our credit drastically. We run into people everyday who had great credit at one time but now they find themselves in a situation where they cannot qualify for a home loan.
It does not take very long and a great credit score can go down quite quickly. Sometimes it is a job lay off (there are almost 7 million Americans drawing unemployment checks right now), an accident or an illness. These things many times come upon us without warning.
Many times people find themselves unprepared for these emegencies. The bills keep coming due every month and the income has been drastically reduced. Before long they start to fall behind and new lates begin to show up on their credit reports. We have seen one new late drop a credit score 100 ponts while the average is probably more like 30 to 40 points. The rest of the bad news is that it will effect their credit scores for at least two years.
Whether unexpected life events have lowered your scores or just bad past credit decisions there is a way back to healthy scores again. There are certain prinicipals, if followed, that will cause your scores to climb fairly rapidly. You can rebuild your credit file so that it will be healthy, assuring you of a much better interest rate.
If you would like to know how you can improve your current credit situation contact us at The Guilliams Team or at Credit Restoration Advice.

Empty Nesters

Not too long ago when you talked about empty-nesters the impression was one of older individuals who slow down and don't have much going on. Today when you say empty-nesters you talk about folks who have an active lifestyle, can set their own schedule and the kids are finally out of the house (until of course someone returns home). Folks are living longer and staying active and even though they become "senior" in years there is really no senior in their living habits. Empty-nesters tend to get involved in activities and social groups that they never had time for when working and raising families. Now empty-nesters can set their own schedules and participate in activities on their own time. They can truly enjoy living the lifestyle they have often dreamed of whether that means taking up golf, playing in a bridge club, joining a gardening club, taking in the theater on a Tuesday night and the list goes on and on. Part of the lifestyle that empty-nesters look for in today's market is one that offers comfortable and even luxurious living without all the demands of a yard and outside maintenance. Popular concepts emerging today including luxury type patio homes where homeowners pay a monthly fee which covers the outside maintenance of their home including lawn care, landscaping, paint, shingles and so forth. Having such a large part of home maintenance taken care of by other means allows many empty-nesters who are homeowners to enjoy the activities they want to participate in without feeling guilty of all the chores of maintaining a home. After years of working hard folks deserve "luxury" living which includes being an empty nester and enjoy spending the time the way you want to spend your time.Enjoy life and let The Guilliams Team show you how to transition to the lifestyle you deserve today. Being an empty-nester is great so let the living begin!