Snoqualmie Pass Real Estate and Living – Ski Museum!

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate, Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Ski museum opens next month!
The Washington State Ski & Snowboard Museum (WSSSM) will celebrate its grand opening at Snoqualmie Pass at 3 p.m. on Saturday, Oct. 10.
The museum intends to showcase and honor Washington’s ski and snowboard legends, preserve the state’s ski and snowboard history and educate visitors about this rich sports story.
Washington state is home to 39 ski and snowboard Olympians. Through 12 exhibits featuring videos, artifacts and photographs, the museum tells the story of Washington’s history on the slopes.
Led by Islander Dave Moffett, whose family owned the four ski areas on  Snoqualmie Pass until 1997, and Dollie and Hugh Armstrong, parents of 1984 Olympics gold medalist Debbie Armstrong, along with contributions from the across the state, the WSSSM is designed to inspire continued ski and snowboard participation across all of Washington’s mountains.

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate, Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Snoqualmie Pass Real Estate and Living – Ski Museum!

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate, Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Ski museum opens next month!
The Washington State Ski & Snowboard Museum (WSSSM) will celebrate its grand opening at Snoqualmie Pass at 3 p.m. on Saturday, Oct. 10.
The museum intends to showcase and honor Washington’s ski and snowboard legends, preserve the state’s ski and snowboard history and educate visitors about this rich sports story.
Washington state is home to 39 ski and snowboard Olympians. Through 12 exhibits featuring videos, artifacts and photographs, the museum tells the story of Washington’s history on the slopes.
Led by Islander Dave Moffett, whose family owned the four ski areas on  Snoqualmie Pass until 1997, and Dollie and Hugh Armstrong, parents of 1984 Olympics gold medalist Debbie Armstrong, along with contributions from the across the state, the WSSSM is designed to inspire continued ski and snowboard participation across all of Washington’s mountains.

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate, Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Snoqualmie Pass Real Estate and Living – Ski Museum!

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate, Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Ski museum opens next month!
The Washington State Ski & Snowboard Museum (WSSSM) will celebrate its grand opening at Snoqualmie Pass at 3 p.m. on Saturday, Oct. 10.
The museum intends to showcase and honor Washington’s ski and snowboard legends, preserve the state’s ski and snowboard history and educate visitors about this rich sports story.
Washington state is home to 39 ski and snowboard Olympians. Through 12 exhibits featuring videos, artifacts and photographs, the museum tells the story of Washington’s history on the slopes.
Led by Islander Dave Moffett, whose family owned the four ski areas on  Snoqualmie Pass until 1997, and Dollie and Hugh Armstrong, parents of 1984 Olympics gold medalist Debbie Armstrong, along with contributions from the across the state, the WSSSM is designed to inspire continued ski and snowboard participation across all of Washington’s mountains.

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate, Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Snoqualmie Pass Real Estate, Mortgage, and the Economy – Mortgage Update

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Interest Rates Cannot Move Past Stubborn Barrier:  Interest rates continue to stay in a narrow range while the stock markets have a modest sell off this week. Rates did move toward the lower part of the range but these movements are measured in a max of about .500 points. The markets continue to have all eyes on announcements from the Federal Reserve. It is an interesting set of circumstances as the stock markets moved worse at the suggestion that the Fed was not going to raise interest rates. This is not typical as the stock market is said to have benefited from lower rates. At the end of the week suggestions started coming out from Fed members that the economy continues to improve and an interest rate hike is likely toward the end of the year. Stock markets rallied a bit and rate pricing moved a little higher. The view looking forward is for continued rate movements within a limited range with not real move lower.

Industry News

"Sing with me, sing for the year, sing for the laughter, sing for the tear." Aerosmith. While year-over-year housing data sings of a strengthening market, some monthly results are true tearjerkers.

http://www.mmgweekly.com/templates/mmgweekly/reg_chart/547/images/top-image_09-28-15.jpgAugust Existing Home Sales, as reported by the National Association of REALTORS®, declined 4.8 percent from July to an annual rate of 5.31 million. This was below the 5.50 million expected. The disappointing drop comes after three straight monthly gains. Year-over-year sales, however, have risen for 11 consecutive months and are 6.2 percent above a year ago.

August New Home Sales surged to the highest rate since early 2008 and were up nearly 22 percent from August 2014. July's numbers also were revised higher, signaling continued strength in the U.S. housing market.

Second quarter Gross Domestic Product (GDP) data was also a reason to sing. Economic growth far outpaced growth in the first quarter, led by consumer and business spending. The final GDP reading rose 3.9 percent, above expectations and well above the anemic 0.6 percent registered in the first quarter. GDP measures the total output of goods and services produced in the U.S., and is the broadest measure of economic activity.

The Fed will continue to monitor all of these economic factors over the next month as it prepares for another discussion on whether or not to raise its benchmark Fed Funds Rate at the end of October. The Fed Funds Rate is the rate at which banks lend money to each other overnight. While an increase in the Fed Funds Rate does not directly impact home loan rates, home loan rates may increase once the Fed takes action, depending on the market and overall economy.

Despite the recent volatility in the markets, home loan rates remain attractive and near historic lows. If I can answer any questions at all for you or your clients, please get in touch!

What Is Going On In The Economy: Chinese President ( translated Dictator in English ) Xi was in the US this week with a message that China is cooperating with US in mutual efforts to grow our economies. At the same time China steals about 300 billion in intellectual property per year, is doing joint military exercises with Russia, has proposed supplanting the US dollar as the world reserve currency and has arranged cyber-attacks on our government resulting in the theft of 5 million finger prints of government employees. At the same time the markets are coming to the conclusion that the reported numbers on the Chinese economy are likely fraudulent. Maybe we should not trust such governments?  This is occurring while the Chinese economy is slowing significantly in spite of government intervention. Both Russia and China are seeing their economies slow so how do you distract people from their shrinking pocket books? Put on a military show and blame the US for your troubles. Meanwhile in Europe economies there continue to eek out meager improvements with a back drop of huge debt levels. Circumstances in the US are much better with Federal Reserve Chairman Yellen suggesting they will be able to raise rates later this year. Real Estate activity continues to improve, Gross Domestic Product readings are encouraging at a 3.9% annual increase, employment numbers are improving and inflation is coming up closer to Fed target levels. Yes we want inflation because it is the best way to effectively lower the value of the debt held by our government. We just do not want it to be too high. The Fed targets 2% per year. The rest of the world looks to the US to lead the world so they can sell stuff to us. In the meantime many think it is a good idea for the US to become more like other nations in how government relates to the free markets.

Real Estate Miscellaneous Stats

National Real Estate Markets Cool in August:  Tight supply continues to drive market conditions as US home sales slowed in August after experiencing a 6.2% increase this year. Existing home sales fell 4.8% from the previous month nationally, the NAR reports. They expect sales to be flat through the rest of the year. There are continued signs of normalizing as first time buyers moved from 28 to 32% of all buyers. Foreclosures and Short Sales are at the lowest levels in 7 years. New home sales were up 5.7% to their highest levels in 7 years after being up 12% in July. Builder confidence is at 7 year highs. 

New American Funding Recognized By INC Magazine:  New American has announced that it is again included in the Inc 5000. This is the list of the 5000 fastest growing companies in the US. New American Funding has reached this list the last 3 out of 4 years. This last year they grew 350% placing them 199thin the list of 5000. “We’re all about doing things better today than we did yesterday, and we’re focused on the experience of doing business with New American Funding,” said Rick Arvielo, CEO of New American Funding. “We’re consistent about asking our clients, partners, and employees for feedback about us. Then we do more of what they like and less of what they don’t, it’s how we remove inefficiencies and stay current with our markets. We couldn’t be happier with the results.”

Local Real Estate Markets Look Strong for August: Our markets still show resilience in the face of tight market conditions. We are starting to see people look for alternatives to high priced central markets with condos and outlying areas of the counties showing strong growth. For new households looking to live in the city researchers say a majority will rent instead of looking to buy. Condo construction is drying up in favor of apartment construction. Here are the numbers: Seattle closed sales up 1.3% from last year, Eastside up 5.6%, North King up 8.5%, Southeast King up 11.1% and Southwest King up 16.5%. Price increases continue to be high with Seattle up 15%, Eastside up 11.1%, North King up 10.3%, Southwest King up 14% and Southeast King up 12.9%. Snohomish County prices are up 11%.




 Loan Program Of The Month. Private Down Payment Assistance Program: New American Funding has access to the down payment assistance program through the Washington State Housing Finance Commission. We also have access to a private product offered by a major bank. The advantage to this program is it allows for higher household income. In our area this can make or break financing for some borrowers. Contact me for details.

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Snoqualmie Pass Real Estate, Mortgage, and the Economy – Mortgage Update

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Interest Rates Cannot Move Past Stubborn Barrier:  Interest rates continue to stay in a narrow range while the stock markets have a modest sell off this week. Rates did move toward the lower part of the range but these movements are measured in a max of about .500 points. The markets continue to have all eyes on announcements from the Federal Reserve. It is an interesting set of circumstances as the stock markets moved worse at the suggestion that the Fed was not going to raise interest rates. This is not typical as the stock market is said to have benefited from lower rates. At the end of the week suggestions started coming out from Fed members that the economy continues to improve and an interest rate hike is likely toward the end of the year. Stock markets rallied a bit and rate pricing moved a little higher. The view looking forward is for continued rate movements within a limited range with not real move lower.

Industry News

"Sing with me, sing for the year, sing for the laughter, sing for the tear." Aerosmith. While year-over-year housing data sings of a strengthening market, some monthly results are true tearjerkers.

http://www.mmgweekly.com/templates/mmgweekly/reg_chart/547/images/top-image_09-28-15.jpgAugust Existing Home Sales, as reported by the National Association of REALTORS®, declined 4.8 percent from July to an annual rate of 5.31 million. This was below the 5.50 million expected. The disappointing drop comes after three straight monthly gains. Year-over-year sales, however, have risen for 11 consecutive months and are 6.2 percent above a year ago.

August New Home Sales surged to the highest rate since early 2008 and were up nearly 22 percent from August 2014. July's numbers also were revised higher, signaling continued strength in the U.S. housing market.

Second quarter Gross Domestic Product (GDP) data was also a reason to sing. Economic growth far outpaced growth in the first quarter, led by consumer and business spending. The final GDP reading rose 3.9 percent, above expectations and well above the anemic 0.6 percent registered in the first quarter. GDP measures the total output of goods and services produced in the U.S., and is the broadest measure of economic activity.

The Fed will continue to monitor all of these economic factors over the next month as it prepares for another discussion on whether or not to raise its benchmark Fed Funds Rate at the end of October. The Fed Funds Rate is the rate at which banks lend money to each other overnight. While an increase in the Fed Funds Rate does not directly impact home loan rates, home loan rates may increase once the Fed takes action, depending on the market and overall economy.

Despite the recent volatility in the markets, home loan rates remain attractive and near historic lows. If I can answer any questions at all for you or your clients, please get in touch!

What Is Going On In The Economy: Chinese President ( translated Dictator in English ) Xi was in the US this week with a message that China is cooperating with US in mutual efforts to grow our economies. At the same time China steals about 300 billion in intellectual property per year, is doing joint military exercises with Russia, has proposed supplanting the US dollar as the world reserve currency and has arranged cyber-attacks on our government resulting in the theft of 5 million finger prints of government employees. At the same time the markets are coming to the conclusion that the reported numbers on the Chinese economy are likely fraudulent. Maybe we should not trust such governments?  This is occurring while the Chinese economy is slowing significantly in spite of government intervention. Both Russia and China are seeing their economies slow so how do you distract people from their shrinking pocket books? Put on a military show and blame the US for your troubles. Meanwhile in Europe economies there continue to eek out meager improvements with a back drop of huge debt levels. Circumstances in the US are much better with Federal Reserve Chairman Yellen suggesting they will be able to raise rates later this year. Real Estate activity continues to improve, Gross Domestic Product readings are encouraging at a 3.9% annual increase, employment numbers are improving and inflation is coming up closer to Fed target levels. Yes we want inflation because it is the best way to effectively lower the value of the debt held by our government. We just do not want it to be too high. The Fed targets 2% per year. The rest of the world looks to the US to lead the world so they can sell stuff to us. In the meantime many think it is a good idea for the US to become more like other nations in how government relates to the free markets.

Real Estate Miscellaneous Stats

National Real Estate Markets Cool in August:  Tight supply continues to drive market conditions as US home sales slowed in August after experiencing a 6.2% increase this year. Existing home sales fell 4.8% from the previous month nationally, the NAR reports. They expect sales to be flat through the rest of the year. There are continued signs of normalizing as first time buyers moved from 28 to 32% of all buyers. Foreclosures and Short Sales are at the lowest levels in 7 years. New home sales were up 5.7% to their highest levels in 7 years after being up 12% in July. Builder confidence is at 7 year highs. 

New American Funding Recognized By INC Magazine:  New American has announced that it is again included in the Inc 5000. This is the list of the 5000 fastest growing companies in the US. New American Funding has reached this list the last 3 out of 4 years. This last year they grew 350% placing them 199thin the list of 5000. “We’re all about doing things better today than we did yesterday, and we’re focused on the experience of doing business with New American Funding,” said Rick Arvielo, CEO of New American Funding. “We’re consistent about asking our clients, partners, and employees for feedback about us. Then we do more of what they like and less of what they don’t, it’s how we remove inefficiencies and stay current with our markets. We couldn’t be happier with the results.”

Local Real Estate Markets Look Strong for August: Our markets still show resilience in the face of tight market conditions. We are starting to see people look for alternatives to high priced central markets with condos and outlying areas of the counties showing strong growth. For new households looking to live in the city researchers say a majority will rent instead of looking to buy. Condo construction is drying up in favor of apartment construction. Here are the numbers: Seattle closed sales up 1.3% from last year, Eastside up 5.6%, North King up 8.5%, Southeast King up 11.1% and Southwest King up 16.5%. Price increases continue to be high with Seattle up 15%, Eastside up 11.1%, North King up 10.3%, Southwest King up 14% and Southeast King up 12.9%. Snohomish County prices are up 11%.




 Loan Program Of The Month. Private Down Payment Assistance Program: New American Funding has access to the down payment assistance program through the Washington State Housing Finance Commission. We also have access to a private product offered by a major bank. The advantage to this program is it allows for higher household income. In our area this can make or break financing for some borrowers. Contact me for details.

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Snoqualmie Pass Real Estate, Mortgage, and the Economy – Mortgage Update

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Interest Rates Cannot Move Past Stubborn Barrier:  Interest rates continue to stay in a narrow range while the stock markets have a modest sell off this week. Rates did move toward the lower part of the range but these movements are measured in a max of about .500 points. The markets continue to have all eyes on announcements from the Federal Reserve. It is an interesting set of circumstances as the stock markets moved worse at the suggestion that the Fed was not going to raise interest rates. This is not typical as the stock market is said to have benefited from lower rates. At the end of the week suggestions started coming out from Fed members that the economy continues to improve and an interest rate hike is likely toward the end of the year. Stock markets rallied a bit and rate pricing moved a little higher. The view looking forward is for continued rate movements within a limited range with not real move lower.

Industry News

"Sing with me, sing for the year, sing for the laughter, sing for the tear." Aerosmith. While year-over-year housing data sings of a strengthening market, some monthly results are true tearjerkers.

http://www.mmgweekly.com/templates/mmgweekly/reg_chart/547/images/top-image_09-28-15.jpgAugust Existing Home Sales, as reported by the National Association of REALTORS®, declined 4.8 percent from July to an annual rate of 5.31 million. This was below the 5.50 million expected. The disappointing drop comes after three straight monthly gains. Year-over-year sales, however, have risen for 11 consecutive months and are 6.2 percent above a year ago.

August New Home Sales surged to the highest rate since early 2008 and were up nearly 22 percent from August 2014. July's numbers also were revised higher, signaling continued strength in the U.S. housing market.

Second quarter Gross Domestic Product (GDP) data was also a reason to sing. Economic growth far outpaced growth in the first quarter, led by consumer and business spending. The final GDP reading rose 3.9 percent, above expectations and well above the anemic 0.6 percent registered in the first quarter. GDP measures the total output of goods and services produced in the U.S., and is the broadest measure of economic activity.

The Fed will continue to monitor all of these economic factors over the next month as it prepares for another discussion on whether or not to raise its benchmark Fed Funds Rate at the end of October. The Fed Funds Rate is the rate at which banks lend money to each other overnight. While an increase in the Fed Funds Rate does not directly impact home loan rates, home loan rates may increase once the Fed takes action, depending on the market and overall economy.

Despite the recent volatility in the markets, home loan rates remain attractive and near historic lows. If I can answer any questions at all for you or your clients, please get in touch!

What Is Going On In The Economy: Chinese President ( translated Dictator in English ) Xi was in the US this week with a message that China is cooperating with US in mutual efforts to grow our economies. At the same time China steals about 300 billion in intellectual property per year, is doing joint military exercises with Russia, has proposed supplanting the US dollar as the world reserve currency and has arranged cyber-attacks on our government resulting in the theft of 5 million finger prints of government employees. At the same time the markets are coming to the conclusion that the reported numbers on the Chinese economy are likely fraudulent. Maybe we should not trust such governments?  This is occurring while the Chinese economy is slowing significantly in spite of government intervention. Both Russia and China are seeing their economies slow so how do you distract people from their shrinking pocket books? Put on a military show and blame the US for your troubles. Meanwhile in Europe economies there continue to eek out meager improvements with a back drop of huge debt levels. Circumstances in the US are much better with Federal Reserve Chairman Yellen suggesting they will be able to raise rates later this year. Real Estate activity continues to improve, Gross Domestic Product readings are encouraging at a 3.9% annual increase, employment numbers are improving and inflation is coming up closer to Fed target levels. Yes we want inflation because it is the best way to effectively lower the value of the debt held by our government. We just do not want it to be too high. The Fed targets 2% per year. The rest of the world looks to the US to lead the world so they can sell stuff to us. In the meantime many think it is a good idea for the US to become more like other nations in how government relates to the free markets.

Real Estate Miscellaneous Stats

National Real Estate Markets Cool in August:  Tight supply continues to drive market conditions as US home sales slowed in August after experiencing a 6.2% increase this year. Existing home sales fell 4.8% from the previous month nationally, the NAR reports. They expect sales to be flat through the rest of the year. There are continued signs of normalizing as first time buyers moved from 28 to 32% of all buyers. Foreclosures and Short Sales are at the lowest levels in 7 years. New home sales were up 5.7% to their highest levels in 7 years after being up 12% in July. Builder confidence is at 7 year highs. 

New American Funding Recognized By INC Magazine:  New American has announced that it is again included in the Inc 5000. This is the list of the 5000 fastest growing companies in the US. New American Funding has reached this list the last 3 out of 4 years. This last year they grew 350% placing them 199thin the list of 5000. “We’re all about doing things better today than we did yesterday, and we’re focused on the experience of doing business with New American Funding,” said Rick Arvielo, CEO of New American Funding. “We’re consistent about asking our clients, partners, and employees for feedback about us. Then we do more of what they like and less of what they don’t, it’s how we remove inefficiencies and stay current with our markets. We couldn’t be happier with the results.”

Local Real Estate Markets Look Strong for August: Our markets still show resilience in the face of tight market conditions. We are starting to see people look for alternatives to high priced central markets with condos and outlying areas of the counties showing strong growth. For new households looking to live in the city researchers say a majority will rent instead of looking to buy. Condo construction is drying up in favor of apartment construction. Here are the numbers: Seattle closed sales up 1.3% from last year, Eastside up 5.6%, North King up 8.5%, Southeast King up 11.1% and Southwest King up 16.5%. Price increases continue to be high with Seattle up 15%, Eastside up 11.1%, North King up 10.3%, Southwest King up 14% and Southeast King up 12.9%. Snohomish County prices are up 11%.




 Loan Program Of The Month. Private Down Payment Assistance Program: New American Funding has access to the down payment assistance program through the Washington State Housing Finance Commission. We also have access to a private product offered by a major bank. The advantage to this program is it allows for higher household income. In our area this can make or break financing for some borrowers. Contact me for details.

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Snoqualmie Pass Real Estate – 7 Step Retirement Reality Check for Homeowners

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

When it comes to retirement planning, homemakers need a wake-up call. That’s the gist of a new report, Homemakers Are Not Off the Hook: How Should They Be Planning for Retirement?
The reality is that many workers are at risk of not achieving a financially secure retirement, but homemakers are in worse shape. Two-thirds (67%) of homemakers globally got a low score in the Aegon Retirement Readiness Index, compared to 52% of workers who got a low score. Homemakers are less optimistic about retirement than workers, less likely to be saving for retirement, and significantly, their sense of personal responsibility for retirement is considerably lower than that of workers.
“It’s understandable if someone isn’t working, they don’t have the income to save, but they can be part of the savings process and the retirement planning process—yet relatively few feel responsible for that,” says Catherine Collinson, president of the Transamerica Center for Retirement Studies, which produced the report in collaboration with the Aegon Center for Longevity and Retirement. “We need to make sure homemakers are engaged; there are so many things they can be doing,” she added.
Homemakers, whether men or women, are falling short in retirement, but there are practical steps they can take. (Credit: Getty Images)
Homemakers, whether men or women, are falling short in retirement, but there are practical steps they can take. (Credit: Getty Images)
Here are some action steps homemakers can take to prepare for retirement.
Make a financial plan with your spouse or partner.Start by creating a budget and a short financial plan, and then develop a long-term retirement plan. A financial advisor can help. By being personally involved in your family’s finances, you’ll have more control over how much goes into savings.

Open a spousal IRA. If you file a joint tax return with your working spouse, even if you don’t work, you can contribute to a spousal Individual Retirement Account. For 2015, you can put away up to $5,500 or $6,500 if you’re 50 or older.
Get educated about your spouse’s savings and employee benefits. Nearly two-thirds (65%) of homemakers believe their spouse or partner’s income will be “very” or “extremely” important to them in retirement, compared to 41% of workers. If your spouse has a pension, he might be offered a one-time lump sum payment, which could extinguish your rights to payouts for life. Don’t sign a waiver of your spousal rights to the plan benefits without knowing the consequences. If your spouse has a 401(k) retirement plan, make sure it isn’t overloaded in risky company stock orhigh-fee mutual funds. And double check beneficiary forms—those control who gets the money when the account holder dies.

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Snoqualmie Pass Real Estate – 7 Step Retirement Reality Check for Homeowners

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

When it comes to retirement planning, homemakers need a wake-up call. That’s the gist of a new report, Homemakers Are Not Off the Hook: How Should They Be Planning for Retirement?
The reality is that many workers are at risk of not achieving a financially secure retirement, but homemakers are in worse shape. Two-thirds (67%) of homemakers globally got a low score in the Aegon Retirement Readiness Index, compared to 52% of workers who got a low score. Homemakers are less optimistic about retirement than workers, less likely to be saving for retirement, and significantly, their sense of personal responsibility for retirement is considerably lower than that of workers.
“It’s understandable if someone isn’t working, they don’t have the income to save, but they can be part of the savings process and the retirement planning process—yet relatively few feel responsible for that,” says Catherine Collinson, president of the Transamerica Center for Retirement Studies, which produced the report in collaboration with the Aegon Center for Longevity and Retirement. “We need to make sure homemakers are engaged; there are so many things they can be doing,” she added.
Homemakers, whether men or women, are falling short in retirement, but there are practical steps they can take. (Credit: Getty Images)
Homemakers, whether men or women, are falling short in retirement, but there are practical steps they can take. (Credit: Getty Images)
Here are some action steps homemakers can take to prepare for retirement.
Make a financial plan with your spouse or partner.Start by creating a budget and a short financial plan, and then develop a long-term retirement plan. A financial advisor can help. By being personally involved in your family’s finances, you’ll have more control over how much goes into savings.

Open a spousal IRA. If you file a joint tax return with your working spouse, even if you don’t work, you can contribute to a spousal Individual Retirement Account. For 2015, you can put away up to $5,500 or $6,500 if you’re 50 or older.
Get educated about your spouse’s savings and employee benefits. Nearly two-thirds (65%) of homemakers believe their spouse or partner’s income will be “very” or “extremely” important to them in retirement, compared to 41% of workers. If your spouse has a pension, he might be offered a one-time lump sum payment, which could extinguish your rights to payouts for life. Don’t sign a waiver of your spousal rights to the plan benefits without knowing the consequences. If your spouse has a 401(k) retirement plan, make sure it isn’t overloaded in risky company stock orhigh-fee mutual funds. And double check beneficiary forms—those control who gets the money when the account holder dies.

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

Snoqualmie Pass Real Estate – 7 Step Retirement Reality Check for Homeowners

Snoqualmie Pass Real Estate, Snoqualmie Pass Properties, Snoqualmie Pass Homes, Snoqualmie Pass Lots, North Bend Real Estate, Snoqualmie Real Estate, Carnation Real Estate
Suncadia Real Estate, Easton Real Estate, http://www.snoqualmiepassliving.com

When it comes to retirement planning, homemakers need a wake-up call. That’s the gist of a new report, Homemakers Are Not Off the Hook: How Should They Be Planning for Retirement?
The reality is that many workers are at risk of not achieving a financially secure retirement, but homemakers are in worse shape. Two-thirds (67%) of homemakers globally got a low score in the Aegon Retirement Readiness Index, compared to 52% of workers who got a low score. Homemakers are less optimistic about retirement than workers, less likely to be saving for retirement, and significantly, their sense of personal responsibility for retirement is considerably lower than that of workers.
“It’s understandable if someone isn’t working, they don’t have the income to save, but they can be part of the savings process and the retirement planning process—yet relatively few feel responsible for that,” says Catherine Collinson, president of the Transamerica Center for Retirement Studies, which produced the report in collaboration with the Aegon Center for Longevity and Retirement. “We need to make sure homemakers are engaged; there are so many things they can be doing,” she added.
Homemakers, whether men or women, are falling short in retirement, but there are practical steps they can take. (Credit: Getty Images)
Homemakers, whether men or women, are falling short in retirement, but there are practical steps they can take. (Credit: Getty Images)
Here are some action steps homemakers can take to prepare for retirement.
Make a financial plan with your spouse or partner.Start by creating a budget and a short financial plan, and then develop a long-term retirement plan. A financial advisor can help. By being personally involved in your family’s finances, you’ll have more control over how much goes into savings.

Open a spousal IRA. If you file a joint tax return with your working spouse, even if you don’t work, you can contribute to a spousal Individual Retirement Account. For 2015, you can put away up to $5,500 or $6,500 if you’re 50 or older.
Get educated about your spouse’s savings and employee benefits. Nearly two-thirds (65%) of homemakers believe their spouse or partner’s income will be “very” or “extremely” important to them in retirement, compared to 41% of workers. If your spouse has a pension, he might be offered a one-time lump sum payment, which could extinguish your rights to payouts for life. Don’t sign a waiver of your spousal rights to the plan benefits without knowing the consequences. If your spouse has a 401(k) retirement plan, make sure it isn’t overloaded in risky company stock orhigh-fee mutual funds. And double check beneficiary forms—those control who gets the money when the account holder dies.

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Snoqualmie Pass Real Estate – Healthy BBQ Sauces – www.snoqualmiepassliving.com

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Summer is grilling season and that means barbecue. BBQ sauces are a much needed ingredient in summer, but even if it’s raining or cold, you can make awesome BBQ dishes indoors, on a grill pan, or in the oven. I used to buy bottled barbecue sauce until I realized just how easy it is to make my own. Seriously! There are only a few basic ingredients and then you can change up the recipe to make each sauce unique and delicious. You can make sauces that are hot, spicy, sweet, smoky, citrus-flavored or ethnic. The combinations are endless.
Slather your homemade barbecue sauce on tofu, tempeh, seitan or vegetables. Check out these 15 Savory and Saucy BBQ Dishes. Use it as a condiment on sandwiches. Trust me, once you see how easy it is to make your own barbecue sauce, you’ll never buy the bottled stuff again. Here is how to make amazing BBQ sauces with 7 ingredients or less (not counting salt and pepper).

1. The Basic Ingredients

tomatoes-1200x798liz west/Flickr

Barbecue sauce is really easy to make. The basic recipe is a combination of a tomato base, an acid, a sweetener, and seasoning. Once you know the basic formula, you can mix and match ingredients to create new and exciting BBQ sauces. You can adjust the amounts of the ingredients if you prefer your sauce more tomato-y, more vinegar-y, sweeter, spicier or smokier. Sauces should simmer for about an hour but I have been known to throw it together in a bowl and just pour it over food in a pan for quick caramelization.
The tomato base can be ketchup, tomato paste or fresh tomatoes. The acid can come from apple cider vinegar, balsamic vinegar and/or citrus juice. Sweeten the sauce with agave nectar, sugar, brown sugar, molasses, maple syrup, dates or stevia. It’s up to you. The seasoning part is where you can play most by adding the ingredients that will give the sauce its unique personality.

2. Easy BBQ Sauce

My go-to Easy BBQ Sauce recipe is 2 cups ketchup, 1 ¼ cup apple cider vinegar, ¾ cup maple syrup, 3 minced garlic cloves and 1 tsp. black pepper. Combine it all in a saucepan. Stir and heat over medium heat until it comes to a bubble. Lower the heat and let simmer for 30 minutes until it thickens. Add salt to taste. Once you have this basic sauce recipe, you can change up the ingredients, adding spices and flavors to make it your own.

3. Add Fruit

For a barbecue sauce with a bright fruity citrus flavor, just add in the juice of an orange. I usually add in the zest and pulp too so it’s well-infused with orange-y goodness. To makeOrange BBQ Sauce: In a saucepan, combine 2 cups ketchup, 1 ¼ cup apple cider vinegar, ¾ cup maple syrup, the zest and juice of one orange, 2 minced garlic cloves and 1 tsp. black pepper. Stir and heat over medium heat until it comes to a bubble. Lower the heat and let simmer for 30 minutes until it thickens. Add salt to taste. If you prefer, you can add in fruits other than orange. Try mango, papaya or cherries.

4. Add Heat and Spice

When I want a BBQ sauce that has a lot more kick and richer, deeper flavors, I go for this one that gets extra heat from red onions and chiles. Using balsamic vinegar in addition to apple cider vinegar adds a rich, syrupy flavor that is just incredible and it balances the heat perfectly. To make Spicy Balsamic BBQ Sauce: In a small saucepan, combine 1 ½ cups ketchup, 1 cup apple cider vinegar, ¾ cup balsamic vinegar, 3 Tbs. brown sugar, 1 minced red onion, 2 minced garlic cloves and 1 Serrano chile that has been seeded (if you want less heat) and minced. Stir and let simmer, uncovered, for about 30 minutes until the sauce thickens. You can also add hot sauce or Sriracha to give it as much heat as you can handle. Check out our 6 Tips for Cooking Spicy Food the Right Way and then Try the New Food Trend: How to Combine Sweet and Spicy Flavors in Your Recipes.

5. Make It Asian

For Asian barbecue dishes, you can quickly whip up a sauce that is sweet, salty, thick, and tangy. Add lemongrass and peanut butter to make it Thai. Add a bit of teriyaki sauce to make it Japanese. To make Chinese BBQ Sauce: Combine ½ cup hoisin sauce, ½ cup ketchup, 2 Tbs. minced ginger, 2 Tbs. brown rice vinegar, 1 Tbs. agave nectar, 2 tsp. Sriracha (or more to your liking), and 1 minced garlic clove. Bring the sauce to a boil over medium heat, and then reduce the heat to low and simmer until slightly thickened. It should take about 15 to 20 minutes. Stir the sauce occasionally. Add salt to taste.

6. Add Booze

For a barbecue sauce with a boozy punch, mix alcohol like bourbon or whiskey with a sweet fruity taste like peach preserves. To make Peachy Bourbon BBQ Sauce: In a saucepan, combine ¼ cup apple cider vinegar, ¾ cup Dijon mustard, 2 minced garlic cloves, and 1 cup peach preserves. Heat over medium heat until the jam melts, about 2 minutes. Remove the pan from the heat and stir in 1 Tbs. bourbon. Add salt to taste. Always be sure to add the alcohol after you remove the sauce from the heat.

7. More Recipes

Buffalo BBQ Chicken [Vegan]
These are just examples of simple barbecue sauces you can make in half-an hour or less. For a sauce that combines barbecue sauce with Buffalo sauce, try this recipe for Buffalo BBQ “Chicken.” For a tangy sauce with an abundance of hot pepper, this Triple Thread Barbecue Sauce will blow your mind. Or try The World’s Healthiest Barbecue Sauce for a sauce that’s good for your body and your taste buds.
Homemade barbecue sauce is fast, easy and much healthier than any store-bought brands. You get to choose what does and doesn’t go into your sauce (and your body) and nothing tastes better than that.

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