Buying or Selling a Home

 High vs. Low Interest Rates:
 Pros & Cons Explained
 When interest rates rise, For instance, if you have a fixed-rate
 mortgage, your monthly payment remains unchanged—a strong
 hedge against inflation even as home prices and other costs climb.
 Additionally, higher rates help your savings and money market
 accounts grow faster, making it easier to build cash reserves. The
 disadvantage is that all loans are more expensive, including credit
 cards, so keep your debt to a minimum.
 Lower interest rates mean you pay less interest, can buy “more”
 home, and possibly pay your mortgage off faster. If you have a
 mortgage at a higher rate than “today’s” rates, you can refinance to a
 lower monthly payment, eliminate or lower private mortgage
 insurance, or trade a variable-rate loan for a fixed-rate loan. But at
 the same time, other instruments that pay interest to you will
 provide lower yields.
 What is Maximalism?
 Maximalism is trending in home décor with vibrant colors, eclectic
 art, and a daring sense of fashion and fun.
 If this look is for you, start with your living room. Place the largest
 pieces—tables, sofas, tables and chairs—in the room. Remove
 everything else. Move the pieces around until you like the layout and
 flow, then you can start adding accessories. You’ll have multiple focal
 points, but to give the eye a rest, group similar but mixed and
 matched elements together—a wall of eclectic paintings, a case of
 books, or a row of embellished pillows replete with embroidery,
 tassels, and trims. Unify the look with a bold paint color or wallpaper.
 Make coziness and comfort your priority. Upcycle damaged
 heirlooms and flea market finds with new finishes (gold gilt, black
 onyx stains, low sheen wax) and plushy textured velvet, replete with
 tufts and trim