Page not found – Coldwell Banker Real Estate LLC. https://eastvalleyintegritypartners.com Coldwell Banker Real Estate LLC. Sat, 06 Jan 2024 06:00:00 +0000 en-US hourly 1 Coldwell Banker Real Estate LLC. Page not found – Coldwell Banker Real Estate LLC. false Page not found – Coldwell Banker Real Estate LLC. podcast Coldwell Banker Real Estate LLC. Page not found – Coldwell Banker Real Estate LLC. https://eastvalleyintegritypartners.com/wp-content/plugins/powerpress/rss_default.jpg https://eastvalleyintegritypartners.com c9c7bad3-4712-514e-9ebd-d1e208fa1b76 3 Tips for Ditching Coffee https://eastvalleyintegritypartners.com/2024/01/06/3-tips-for-ditching-coffee https://eastvalleyintegritypartners.com/2024/01/06/3-tips-for-ditching-coffee#respond Sat, 06 Jan 2024 06:00:00 +0000 https://ace.rismedia.com/ace2-branded/rismedia.com/134932/TmJGUGN6bUJiU1hVM3hYL2NHVnhiQT09/RSSFeed Looking to kick the caffeine? While a moderate amount of the buzzy stuff has been shown to have heart benefits, it’s easy to overdo it or find yourself addicted to that morning jolt. If you’re looking to slay your latte habit, consider the following tips. Time it right. Quitting anything you’re addicted to is challenging, […]

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Looking to kick the caffeine? While a moderate amount of the buzzy stuff has been shown to have heart benefits, it’s easy to overdo it or find yourself addicted to that morning jolt. If you’re looking to slay your latte habit, consider the following tips.

Time it right. Quitting anything you’re addicted to is challenging, and coffee is no exception. Choose a time that will support your withdrawal. The Monday your big work project is due? Not the best time.

A long weekend is a great time to begin so that you can distract yourself or, at worst, lay down with that 3 p.m. headache.

Find a suitable substitution. If you don’t want to quit cold turkey, you can find a substitution. Some people like to guzzle tea, water, or even decaf coffee as they wean themselves off that fresh brew. A more overlooked substitution is raw cacao. Sold in many grocery stores and available online, cacao nibs pack a caffeine punch that can help wean you slowly off the java juice. Warning: They’re bitter, and some people enjoy them more than others.

Warn everyone. Make sure to tell your friends, partner, and close colleagues you’re cutting coffee. This way, they can support you by nixing that afternoon coffee invite, and they’ll understand if you’re a bit groggy or snippy for the first few days.

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

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https://eastvalleyintegritypartners.com/2024/01/06/3-tips-for-ditching-coffee/feed 0 Looking to kick the caffeine? While a moderate amount of the buzzy stuff has been shown to have heart benefits, it’s easy to overdo it or find yourself addicted to that morning jolt. If you’re looking to slay your latte habit, Looking to kick the caffeine? While a moderate amount of the buzzy stuff has been shown to have heart benefits, it’s easy to overdo it or find yourself addicted to that morning jolt. If you’re looking to slay your latte habit, consider the following tips. Time it right. Quitting anything you’re addicted to is challenging, […] Page not found – Coldwell Banker Real Estate LLC. full false
How Unpaid Medical Bills Affect Your Credit Score https://eastvalleyintegritypartners.com/2024/01/05/how-unpaid-medical-bills-affect-your-credit-score https://eastvalleyintegritypartners.com/2024/01/05/how-unpaid-medical-bills-affect-your-credit-score#respond Fri, 05 Jan 2024 06:00:00 +0000 https://ace.rismedia.com/ace2-branded/rismedia.com/140890/TmJGUGN6bUJiU1hVM3hYL2NHVnhiQT09/RSSFeed Paying your medical bill is one of the last things on your mind when youre at a hospital emergency room. And how that bill could affect your credit score is probably much less of a concern. But even a non-emergent hospital visit can result in a large medical bill months after your health insurance covers […]

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Paying your medical bill is one of the last things on your mind when youre at a hospital emergency room. And how that bill could affect your credit score is probably much less of a concern. But even a non-emergent hospital visit can result in a large medical bill months after your health insurance covers a portion of it. If you dont pay the bill or pay it late, it can go to collections and hurt your credit score.

Here are some of the ways unpaid medical bills can hurt your credit:

Late Payments
An unpaid medical bill can end up on your credit report in a few ways. Your doctors office may report a late payment or unpaid bill to the three major credit bureaus. A large hospital may report the outstanding bill, but a small doctors office may not. If it goes to a collections agency, the debt will likely be placed on your credit report. The largest part of a credit score is payment history. It accounts for 35 percent of a score, and shows if youve paid past credit accounts on time or missed payments entirely.

Medical Debts Weigh Less
Medical debts have less of an impact on credit scores from the Fair Isaac Corporation, or FICO, which are the most widely used. Most lenders in the U.S. use an older version of the FICO credit scoring system which doesnt pay much attention to the type or balance of a collection.

Under the old system, a small, unpaid medical bill could hurt a credit score just as much as a larger debt. The new scoring system protections dont apply if you paid the medical bill with a credit card. If the credit card bill is paid late, your credit score could still be dinged.

Wait Seven Years
Legally, collections can only stay on a credit report for up to seven years. If you can wait that long, then the medical debt will go away and your credit score should gradually improve.

If you want your credit score to improve during those seven years, some lenders may want to see that youre paying off collections that are less than seven years old. Others may not care and may continue denying you credit during that time. The more recent a collection is, the more it will hurt your FICO score.

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https://eastvalleyintegritypartners.com/2024/01/05/how-unpaid-medical-bills-affect-your-credit-score/feed 0 Paying your medical bill is one of the last things on your mind when youre at a hospital emergency room. And how that bill could affect your credit score is probably much less of a concern. But even a non-emergent hospital visit can result in a large m... Paying your medical bill is one of the last things on your mind when youre at a hospital emergency room. And how that bill could affect your credit score is probably much less of a concern. But even a non-emergent hospital visit can result in a large medical bill months after your health insurance covers […] Page not found – Coldwell Banker Real Estate LLC. full false
Smart Home Gadgets That Will Elevate Your Home https://eastvalleyintegritypartners.com/2024/01/04/smart-home-gadgets-that-will-elevate-your-home https://eastvalleyintegritypartners.com/2024/01/04/smart-home-gadgets-that-will-elevate-your-home#respond Thu, 04 Jan 2024 06:00:00 +0000 https://ace.rismedia.com/ace2-branded/rismedia.com/137358/TmJGUGN6bUJiU1hVM3hYL2NHVnhiQT09/RSSFeed Technology seems to mutate with the speed of light, but is your home keeping up with the changes? Smarten it up with a few smart-home electronics that will boost safety, increase comfort and may even save you a few bucks: Video Doorbell The VTech Video Doorbell, about $115, lets you screen and even video chat […]

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Technology seems to mutate with the speed of light, but is your home keeping up with the changes? Smarten it up with a few smart-home electronics that will boost safety, increase comfort and may even save you a few bucks:

Video Doorbell
The VTech Video Doorbell, about $115, lets you screen and even video chat with visitors before you answer the door. And the system takes a snapshot each time the doorbell is pressed, so you’ll always know who came a-knocking while you were away.

Smart Door Lock
The August Smart Lock uses keyless technology to keep your home safe no matter where you are. From your smartphone, you can let guests in, check to make sure you locked up before you left, keep a record of who has entered and exited, and unlock your door from the driveway. Cost? About $220.

Home Automation
You can ease into wireless control of your lighting and appliances with Insteons Start Here Kit, about $125, before moving on to automating other household needs, like irrigation control and occupancy sensing.

Water Saver
The WaterPebble Water Saver memorizes the length of your first shower and uses it as a benchmark to measure future shower times. Using a series of traffic lights, it reduces your shower time by a fraction each time, helping you save on your water bill without trying. About $12.

Learning Thermostat
For about $250, the Nest programmable thermostat will learn your heating and cooling schedule and program itself. It can even be controlled from your phone and could save you up to 20 percent on energy costs.

Smart Watering
Is your sprinkling system over-watering or under-watering your lawn? Toros wireless Xtra Smart Soil Moisture Sensor keeps the moisture level just right. Not only will the health of you lawn improve, but your wallet (and the Earth) will benefit, too.About $115.

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https://eastvalleyintegritypartners.com/2024/01/04/smart-home-gadgets-that-will-elevate-your-home/feed 0 Technology seems to mutate with the speed of light, but is your home keeping up with the changes? Smarten it up with a few smart-home electronics that will boost safety, increase comfort and may even save you a few bucks: Video Doorbell The VTech Video... Technology seems to mutate with the speed of light, but is your home keeping up with the changes? Smarten it up with a few smart-home electronics that will boost safety, increase comfort and may even save you a few bucks: Video Doorbell The VTech Video Doorbell, about $115, lets you screen and even video chat […] Page not found – Coldwell Banker Real Estate LLC. full false