Buying a Fixer-Upper? Prepare Yourself!

Buying a fixer-upper can be daunting, but it can also be the exact right thing to do when considering the area that it’s in. If you happen to find an older home with some need of TLC in your dream neighborhood, buying a fixer-upper can give you the chance to renovate and decorate to your exact specifications to […]

What Do I Give For A Graduation Gift?

Graduation season is right around the corner. Whether you have a child graduating college, high, middle, or elementary school, it’s always challenging to figure out what the right gift should be. Over the next several years, I’ll have at least one of my kids graduating some level of school. This year, my son is graduating 5th grade, then next year my middle daughter will graduate 8th grade, and the year after that my oldest will be graduating high school. If you are a parent, you may debate about whether to do a party, give a gift, or perhaps some combination of both. Here are Your Smart Money Moves for budget-friendly graduation gifts. First of all, let’s make sure you don’t get too carried away when your child graduates elementary school and completes 5th grade. Remember, you’ll have an eighth grade graduation coming up soon with high school quickly following. At this graduation level, here are three simple ideas on what you can do for your child. Cell Phone – In…

Glad I Called Duffy Realty

Glad I Called Duffy Realty I entered the real estate market expecting to pay around $40,000.00 for a new home. The first two agencies I contacted were not interested in dealing with such a small budget, and refused to even speak to me until I had put down a $2500.00 retainer. I was dissappointed, but […]

I Need A Budget! Where Do I Start?

Whether you are 22 years old or 52 years old, you are truly the CEO of your family finances.   There are those of us that love to track, manage, and watch our monthly numbers, and …

Phenomenal Duffy Agent

Phenomenal Duffy Agent Warren Savage in a word “Phenomenal” About 3 months ago, I noticed a home listed by Duffy Realty and decided to call for a viewing.  Amazingly, within 20 minutes, Duffy real estate agent, Warren Savage, was there and from that day forward my experience in my search for a home has been […]

Experience Buying a Home with Duffy Realty

Caroline, Thank you so much for all of your help! The experience of buying a home in such a popular area and in such an interesting market would not have been manageable without you. The Buyer Program was great as it let us pace our house search and focus on only those houses we really […]

Life Insurance For My Children?

Someone asked me the other day, “Ted, is it morbid to ask you whether I should buy life insurance on my children?”   It was an interesting question, and one we often get from …

Condo Purchases Require Extra Steps!

Homebuyers contemplating purchasing a condominium should review a long list of documents and other information to make sure that the property they are considering is a solid buy in this challenging market. The following information is a the top of the must-consider list: Budget. Examine the current budget, a year-to-date statement of income and expenses, […]

Top 10 First Time Homebuyer Mistakes!

Top 10 First Time Homebuyer Mistakes! 1.Buying more house than you can afford. Typically, you don’t want your mortgage payment to be more than 28% to 34% of your monthly income. For example, if your monthly income is $5,000, a total mortgage payment of $1,500 will be in the ball park. Of course, you need to include all of your overall debt payments which should never be more than 40% to 45% of your overall bills.