With the holidays coming up, plenty of electronics are undergoing significant deals and discounts that have never been seen before. Black Friday and Cyber Monday sales are the perfect opportunities to get your hands on that massive 65-inch TV you have had your eyes on. From hundreds of dollars off of tablets and laptops to incredible savings on home appliances, these discounts are worth the wait. Here are a few of the best TV deals you should expect to see this year: 1. TCL 65 Class 8 Series LED 4kUHD Smart Roku TV: Starting at $428, this massive 65-inch TV is equipped with a powerful, 4k display and beautiful graphics. The TV can also be customized with apps and connect to other smart devices. With multiple HDMI outputs and even a USB dock, this TV can be used for cinematic experiences and gaming. 2. Samsung 55 Class QLED Q60T Series: Priced at $599.99, this incredible Samsung TV is being discounted by $100 off the original price. With a large, 55-inch display, this TV delivers billions of colors for a realistic experience that cannot be found with any other brand. Samsung’s Quantum HDR allows even the most minuscule of details to appear and surpasses the technology of other HDTVs.

Becoming a homeowner is a goal for many. While obtaining your first house is exciting, it can also be quite challenging. The process may become even more difficult if you’re not quite sure what to do or the important steps to take. Having a great score on your credit report is important when you’re applying for a mortgage; especially if it’s your first one. It is also important that you maintain a stable income and you’re able to provide a down payment. Here are 5 excellent mortgage loan tips that will make getting your first house easier: 1. Apply with a stable job To ensure that you’re able to keep up with your loan payments, you must get a stable job. A common mistake that many first time home buyers make is underestimating the relevance of having regular employment. Mortgages are paid in monthly installments. It is essential that you can meet your monthly repayments to avoid any negative consequences. When you apply with a stable job it initiates a trusting relationship between you and your potential lender. 2. Show a reliable income stream A key component in guaranteeing that you are eligible for a mortgage is to show a reliable income stream to the lender.

Purchasing a home, especially for the first time, can be quite a daunting experience. The market is flooded with options, and before you know it, you are experiencing a downward spiral into post-retirement mortgages because of an impulse buy. It is best to take the time out to purchase a house that not only fits your criteria, but also doesn’t end up being a financial burden in the long run. Below are seven tips for first time home buyers that allow this: 1. Pay off all debt The cost of a house itself is expensive. When you factor in additional expenses like maintenance, Homeowners insurance, taxes, and Homeowners Association fees, that price increases considerably. As such, it is best to have the resources to fund these payments and your mortgage adequately. When you clear your debts, you will be free to use the cash you have left to ensure that owning your house is a stress-free process. 2. Build a down payment If you are unable to make the full payment on your intended house in one fell swoop and waiting to save the home’s cash price is not on the cards, then I recommend that you save at least 20% for the payment that you will put down on the house to avoid Private Mortgage Insurance.

The Veterans Administration (VA) Home Loan is one of the best and most important benefits for those who served in the military. It is essential that everyone who is entitled for loans for veterans understands how it works. A VA loan makes home buying possible for veterans who otherwise would be unable to buy a house. It is part of the compensation package for serving in the military. Here are some great home buying tips for veterans: 1. Get a certificate of eligibility The first step is to obtain a certificate of eligibility (COE). Individuals who served on active duty for 90 consecutive days during wartime, 181 days during peacetime, or served six years in the National Guard or Reserves are entitled to the COE. In addition, a spouse of an eligible member who died while on duty or died from a disability sustained on active duty is also eligible. Many certificates are obtained online from the VA. Most VA mortgage lenders can obtain the document for the veteran. 2. Compare experienced VA mortgage lenders There are mortgage lenders who specialize in VA loans. Find them on the internet or through word of mouth from other veterans. Compare what they offer.

Tax season is here, and with it comes the confusion of ensuring that you can get the biggest refund possible for you and your loved ones. If you are a senior, there are many additional deductions and tax credits that you can take based on the donations and contributions you have made throughout the year. Continue reading the information below to learn more about five of the best tax breaks, including Medicare deductions, that are currently available to you if you are a senior: 1. Give money to family You cannot legally claim a tax credit if you give money straight to your family members. If your family members run a charity, however, you can count a tax deduction for any money that you gave to their charity. You can only claim up to 60% of the cash that you gave to the family member as a charity though, so it is important to keep all documentation. 2. Spouse IRA contributions You may know already that you can claim any personal donations that you have made from your income to your personal IRA account. You can also claim any donations that your spouse made from their income to your IRA account.

The Paycheck Protection Program (PPP) was introduced as a loan aid program as part of the United States Government’s Coronavirus Aid, Relief and Economic Security (CARES) Act. The $350-billion program is meant to help small businesses in the U.S. with eight weeks of fund assistance via the assistance of federally-guaranteed loans supported by the Small Business Administration (SBA). Here are some helpful tips to help you successfully apply for a PPP loan: 1. Don’t delay your application Even though new guidelines have extended the PPP loan application date to end May 31, 2021, it’s not wise to delay submitting your loan application. With many small business employers applying, the PPT loan timeline is currently approximately 2 weeks from when you initially submit your initial application to disbursement of loan funds. The Small Business Administration (SBA) will assign every applying lendee a loan number. Even though the end date is still a month away, reports from the SBA suggest that the PPP program could exhaust its funding as many sole proprietors, independent contractors, and self-employed entrepreneurs can retroactively apply. 2. A PPP loan can become a grant Any small business (including S and corporations, LLCs, private nonprofits, faith-based organizations, tribal groups and veteran groups) with 500 or less employees may be eligible to turn a PPP loan into a grant.

Keeping a home clean is a constant battle; from kitchen countertops to bathroom sinks, showers, tubs, and beyond, the need to provide a clean and sanitary home for your family can be a stressor. Add to that the task of picking the right household cleaners that are not laden with harmful chemicals and you have a serious responsibility to find the right green/clean recipe for your home. How can you keep all those paw prints, muddy shoes, and grimy hands from overtaking your living space? Lysol products may not cut it anymore for what you have in mind as you seek to transform your home into a more eco-friendly environment. If you’re looking for more green and efficient ways to clean your home, consider adding these wonderful products to your cleaning closet (and we know you have one): 1. Simple Green All-Purpose Cleaner Simple Green cleaning products are powerful cleansing and degreasing agents designed for environmentally-safe use on carpets, floors, cabinets, countertops, and even vehicles. This all-in-one formula comes in both diluted and concentrated formulas, allowing you to decide how down and dirty you want to get in your cleaning efforts. Proudly boasting their non-toxic, biodegradable formulas, the Simple Green family also comes in pleasing scents of lemon and lavender to cater to any scent preference.

A life insurance policy is a very crucial document for all U.S. citizens to invest in. It is the only legal protection that will protect you and your family for years, even after you are deceased. Life insurance also helps to financially uplift bereaved families by giving them immediate financial assistance when they need it most. However, there are several mistakes people make while buying life insurance policies, such as: 1. Buying too little coverage Life insurance is supposed to help protect your family and loved ones. This means you need to buy life insurance coverage that is sufficient enough to take care of their needs, including all of your debts. But if the coverage amount is too low, it will not be of much use to pay off all of your outstanding debts in case of your accidental death.  2. Relying too much on employer coverage Most employees prefer to stay with the insurance plan provided by their employers. However, many people fail to realize that these plans usually lack flexibility and cost too much money. These plans can be changed or canceled by an employer at any time. Or if you leave the company, the plan will no longer cover you.

Yard work is hard—it’s not just talking about raking leaves. Weeding, trimming hedges, picking up sticks from the lawn; these chores take time and can result in some seriously sore muscles. Keeping a healthy lawn is important because it minimizes poor grass growth, weeds, and other lawn issues. Also, clean, healthy grass will mean less mowing and less fertilizer necessary for the health of your lawn. Here are a few hacks that’ll make your yard work easier this season: 1. Aerate your lawn Aerating your lawn is a healthy practice that’ll save time and money in the long run. Aeration helps with air circulation and will keep your lawn healthy by allowing water to penetrate the soil more easily. Aeration will also help reduce thatch build-up, which is a layer of dead grass that builds up around the roots of your grass. If you’re aerating for the first time, use a plug aerator with five-millimeter hollow tines. 2. Water early Watering your lawn early in the day has benefits. The grass is dry at night, so you don’t get a “matted” look underneath the mower. Also, it means that you can get in the yard and state water without mowing first.

Living in a well-maintained home can help you save money on your monthly bills. Following some simple maintenance tips can keep your home running efficiently and prevent costly repairs down the road. While these hacks are relatively inexpensive, some home owners opt for home financing, home repair loan grants, and refurbishment loans to avoid significant home renovation debt. Homeowners can secure loans for both purchasing a new home and making improvements to their existing property, providing them with financial flexibility to achieve their housing goals. Here, we will discuss five home maintenance hacks that will help you save money and leave your home in tip-top shape: 1. Replace broken roofing tiles If you have broken roofing tiles, it is important to replace them as soon as possible. Leaving them unrepaired can lead to water damage, which can be very expensive to repair. You can purchase roofing tiles at your local hardware store or online. Replacing broken roofing tiles is a simple and easy way to prevent costly water damage down the road. You can replace the roofing by yourself or hire a professional to do it for you. 2. Repair foundation cracks If you have cracks in your foundation, it is important to repair them as soon as possible.