Carol Haddox Blog

Which Home Improvements in the St Louis Area . . . .

Will Get You The Biggest Bang for The Buck
Posted by Norman Polsky on December 18, 2016 in No Category
5 Top Home Improvements that Pay Back When You Want to Sell When renovating, it’s important to consider resale value. Here are five top home improvements with the highest return on investment according to Renovation Magazine, and where in the country to implement them for the biggest resale boost.  Whether you’re renovating to sell, or plan on enjoying the results for years to come, you may want to consider which upgrades will give you the greatest return in terms of resale value — which may ... read more
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What Renovations Give the Best Resale Values

Posted by Norman Polsky on September 18, 2012 in No Category

 Renovation and Resale Infographic

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What paying off your mortgage (or not) means to your retirement

As Reported by the St. Louis Post Dispatch
Posted by Michele Carley on April 16, 2013 in No Category
Conventional wisdom says you need 70 percent of pre-retirement income to keep the same lifestyle after you stop working. That makes sense if you’ve been putting away more than 20 percent of your income in your final working years. With those savings, and no more work-related expenses for commuting and dry cleaning, you’d probably get away with a lower income. But if you weren’t saving heavily to the end, it’s hard to see how you’ll reduce expenses 30 percent instantly at retirement unless you’ve paid off the mort... read more
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What Next? . . . . . . . .

From Smart Phones to Smart Refrigerators . . . . Check This Out
Posted by Norman Polsky on May 19, 2016 in No Category
The Future of Grocery Shopping Is Smart and Seamless I just had a “mayonnaise moment” and it involves Smart Homes…trust me read on and it will make sense. ______________________________________________________________________________________________________________________________________________ One of my favorite movies as a young man was Night Shift. And one of the famous lines was when Michael Keaton (Billy) told Henry Winkler’s character, “I am an idea man Chuck.” And he th... read more
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What Items Effect My Credit Score

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Posted by Norman Polsky on April 10, 2016 in No Category
__  Credit Cards . A consumer might think, “Well, even though I have a dozen credit cards, I still pay them off on time. So my credit score must be fine.” That’s not necessarily true. Aside from paying on time, there are 5 other factors that have a major impact on a credit score:__Ratio of Balance to Limit Credit agencies check to see whether or not you are maxing out the limits on your cards, even if you pay them on time. In fact, the lower the ratio between balance and limit the better. Spe... read more
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