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Phone scams are more common and trickier than ever.

To protect your identity and money, follow these tips:

Don’t answer calls from unknown numbers.

Never give unexpected callers personal information, including passwords or Social Security numbers.

If a caller asks you to press a button, hang up. It may be a robocaller, and scammers use this trick to identify targets.

Dont answer questions with yes. Scammers could record the response as a voice signature used to authorize fraudulent charges.

Remember that a legitimate company or government agency usually mails a statement before calling, especially about payments.

When it comes to avoiding phone scams, caution is key.

Published with permission from RISMedia.

A federal program helps low-income families buy a home with a unique method meant to encourage saving: It matches dollar-for-dollar what they save to buy their first home.

The Individual Development Account, or IDA, doesnt offer a lot of money to help with a down payment ” up to $2,000 in federal matching funds with more contributions possible from local IDA programs ” but its a start.

Participants can start by saving as little as $25 ” matched to as much as eight to one, depending on the program, though most offer one-to-one matches. Income levels must be 200 percent below their states poverty level.

With an 8:1 match, IDA participants can raise much more than the $4,000 total with federal matching, and could have $10,000 or so for a down payment on a house.

Most IDAs are funded by the federal government and are run by nonprofit groups and financial institutions, and grantee programs are required to raise an equal contribution of nonfederal funds. It can take from six months to several years to save for a down payment on a house through the program.

To earn the matching dollars, some IDA programs require account holders to take financial literacy classes and training on homeownership; they are also provided counseling and instructions on how their local program works.

More than 60,000 IDAs have opened in the U.S. since Congress established them in 1998. The Administration for Children and Families is the federal agency that provides the federal half of the match.

IDAs arent just used for buying a home. The matching money can also be used to repair an existing home, go to college or start a business.

Getting help with a down payment through IDA can benefit both lenders and homebuyers, who are less likely to default on home loans after participating in the program. IDA participants are 2 – 3 times less likely to lose their homes to foreclosure than other low-income buyers, according to a 2010 study from the Corporation for Enterprise Development and the Urban Institute.

An IDA might not be for everyone. But for families that can afford to save small amounts of money over time, matching money from an IDA can help them get a good start on a down payment and homeownership.

Published with permission from RISMedia.

If you’re shopping for a home, you most likely want a house with a garage. During your search, you’ll come across houses with attached or detached garages. You’ll need to decide which is the right choice based on your familys needs and preferences.

Pros and Cons of an Attached Garage
The most common reason why people choose a house with an attached garage is convenience. You could simply pull your car into the garage and walk into your house. That could make things easier if you have young children and need to carry their backpacks, musical instruments or sports equipment, as well as groceries, into the house on a regular basis. An attached garage also means you wouldnt need to walk through rain or snow to get to your house.

There are some downsides to an attached garage, however. The biggest concern is security. If you used an electronic garage door opener and forgot to close the door, someone could enter your house. It’s also possible that the garage door opener could malfunction or be hacked. Another concern is fire. If your car caught fire in the garage or fluid leaked and ignited, the fire could quickly spread and engulf your entire house.

Depending on the size and shape of the lot, an attached garage could be limited in size. It might be difficult or impossible to fit two cars, and you might be forced to park one or more vehicles in the driveway or on the street.

Reasons to Consider a Detached Garage
If you dont have young kids and dont mind getting wet on a rainy day, a detached garage might be a better choice. Since a detached garage can be built anywhere on the property (provided it doesnt violate local building codes), there’s more flexibility in terms of size and design. If you have several vehicles, you might be able to find a house with a large detached garage or build one after you move in.

If you plan to use your garage for a hobby, a detached garage could be better for both you and your family. Since the garage would be separated from the house, you would have more privacy. You wouldnt need to worry about the noise from power tools or the odors from chemicals that you used for painting or working on your car bothering your family.

A detached garage can also be safer. If you plan to store flammable chemicals, having the garage separated from the house could contain the damage if something accidentally caught fire. In addition, someone who entered your detached garage wouldn’t be able to enter your house.

Which Is Right for You?
For some homebuyers, an attached garage is extremely important, while a detached garage is an acceptable or even preferable alternative for others. Think about your familys circumstances and preferences and how you would like to use your garage to make a decision.

Published with permission from RISMedia.

Here are a few stand-out ways to add a statement ceiling to your home!

Add a Pop of Color

Try a simple splash from the rooms existing color scheme or go bold with a hand-painted pattern.

Get Creative With Textures

From exposed wood to custom plaster ceiling treatments, textures add a new layer of depth.

Incorporate Unique Lighting

Dramatic chandeliers or pendants will take it to the next level while illuminating colors and textures more vividly.

Hang Wallpaper

Wallpaper doesnt just belong on the wall! Traditional patterns and custom-made designs can be added to any ceiling.

Published with permission from RISMedia.

In today’s day and age, choosing the right lighting for your space can be an overwhelming proposition. But it doesn’t have to be. Here are three out-of-the-box ideas you can”and should”put into play.

Light unexpected spaces. There’s no need to settle for simple overhead lighting. Up ambiance and interest in a room by lighting a strip along the floor or beneath a kitchen counter. Place rope or strip lights along the edge of your staircase for easy navigation in the dark, or add indirect lighting under or above cabinets in the kitchen.

Light in layers. When planning lighting design for a room, think lighting in three main layers: overhead lighting, task lighting, and accent lighting. Think a chandelier or ceiling fixture to cover overhead, table lamps for task lighting, and a few specialty spots for accent lighting”frame lighting around the bed frame in your bedroom, for example, or light a few of your favorite pieces of art to draw attention to them.

Dont forget to dim. Considering that dimmer switches run a scant $25, there’s no reason not to have them in your home. Control your space’s mood and ambience for a small cost, and enjoy a slightly smaller utility bill ” the American Lighting Association sites that a dimmer switch saves an average of $30 a year.

Interested in real estate and housing tips? Feel free to contact me directly.

Published with permission from RISMedia.