6 COSAS QUE DEBE HACER EN SU NUEVA CASA<\/h1><\/div>En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>\n
Si usted es un comprador de vivienda por primera vez, o un experimentado comprador de vivienda la construcci\u00f3n de su \"para siempre\" casa, nuestros oficiales de pr\u00e9stamos estar\u00e1 a su lado en cada paso del camino. Nuestro cuidado y preocupaci\u00f3n por nuestros clientes no se detiene una vez que se firma la nota. A medida que se instala en su nuevo hogar, hay algunas cosas importantes que debe tener en cuenta.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/div><\/div>NORTH SHORE TRUST AND SAVINGS RECOMIENDA LOS SIGUIENTES CONSEJOS:<\/h2><\/div><\/div><\/div><\/div><\/div><\/div>![\"#1\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/1.png\" "\\"#1\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>CREAR UN PRESUPUESTO<\/h4>\n<\/div>La clave de un buen presupuesto es incluir toda la informaci\u00f3n posible para poder prepararlo y planificarlo adecuadamente. Es importante llevar un registro exacto de tus gastos para que puedas detectar d\u00f3nde puedes ahorrar dinero y saber cu\u00e1nto puedes gastar razonablemente. iBanking e iMobile de North Shore Trust and Savings son formas estupendas de controlar f\u00e1cilmente los saldos de tus cuentas. El rastreador de gastos incorporado, Manage My Money, establecer\u00e1 objetivos de gasto y metas de ahorro, mientras muestra visualmente su progreso.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>![\"#2\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/2.png\" "\\"#2\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>PROTEJA SU PROPIEDAD<\/h4>\n<\/div>Ya sea propietario o inquilino, necesita un seguro para proteger sus pertenencias. Incluso si ya ten\u00eda cobertura, despu\u00e9s de una mudanza es un buen momento para evaluar su cobertura. A menudo nos limitamos a contratar la p\u00f3liza m\u00e1s r\u00e1pida o m\u00e1s barata cuando nos mudamos. Cuando se trata de sus preciadas posesiones, t\u00f3mese el tiempo necesario para contratar la p\u00f3liza que mejor se adapte a sus necesidades. Re\u00fanase con un agente de seguros local para revisar los l\u00edmites de su cobertura y las franquicias. Cada p\u00f3liza es diferente y es importante que contrate la p\u00f3liza adecuada a su situaci\u00f3n particular. Un agente con experiencia tambi\u00e9n puede ayudarle a ahorrar dinero agrupando sus p\u00f3lizas de seguro de hogar\/arrendamiento, autom\u00f3vil y vida.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>![\"#3\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/3.png\" "\\"#3\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>PROTEJA SU SEGURIDAD<\/h4>\n<\/div>No d\u00e9 por sentado que el anterior propietario lo mantuvo todo correctamente. S\u00f3lo se necesita un poco de tiempo para garantizar su seguridad y proporcionarle tranquilidad. Aseg\u00farese de que todas las cerraduras de puertas y ventanas funcionan correctamente. Repare o sustituya las que no funcionen correctamente y considere la posibilidad de que un cerrajero vuelva a poner las llaves en las puertas y cambie los c\u00f3digos de acceso. Tambi\u00e9n es buena idea cambiar las pilas de todos los detectores de humo y mon\u00f3xido de carbono. Al hacerlo, compruebe que todos funcionan correctamente y c\u00e1mbielos si es necesario. Si tiene secadora, limpie la pelusa de todo el sistema, desde la secadora hasta la tapa de ventilaci\u00f3n exterior. La pelusa es extremadamente inflamable y supone un riesgo de incendio. Considere la posibilidad de adquirir extintores para la cocina, el lavadero y el garaje.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>![\"#4\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/4.png\" "\\"#4\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DEDUCCIONES FISCALES<\/h4>\n<\/div>Aseg\u00farese de conocer todas las deducciones fiscales asociadas a su mudanza y nueva vivienda. Si utiliza una parte de su vivienda para fines profesionales o se traslada por un nuevo trabajo, es posible que pueda desgravarse. Los propietarios suelen poder deducir los intereses hipotecarios, los impuestos sobre la propiedad y los pr\u00e9stamos para mejoras en la vivienda. Un profesional fiscal local puede orientarle para asegurarse de que aprovecha correctamente todos los cr\u00e9ditos y deducciones fiscales a su disposici\u00f3n.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>![\"#5\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/5.png\" "\\"#5\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>HAGA DE SU CASA -O APARTAMENTO- SU HOGAR<\/h4>\n<\/div>Decorar tu espacio lo har\u00e1 m\u00e1s c\u00f3modo y personal. Si eres inquilino, consulta con el casero antes de hacer cambios importantes, como pintar las paredes o cambiar los electrodom\u00e9sticos. Los inquilinos deben hacer fotos de la vivienda alquilada antes de mudarse para documentar el estado en que se encuentra e insistir en una visita final con el propietario. Si es propietario de su vivienda, sea inteligente a la hora de invertir su dinero en mejoras para asegurarse de que est\u00e1 acumulando patrimonio en su casa. Por ejemplo, las mejoras en la cocina y el cuarto de ba\u00f1o suelen ser las m\u00e1s rentables, pero no se gu\u00ede \u00fanicamente por ellas. Recuerde que es su casa y que tiene previsto vivir en ella durante mucho tiempo. Las mejoras que hacen que la casa sea m\u00e1s agradable, pero no aumentan el valor de reventa, est\u00e1n bien, siempre y cuando reconozca que son una inversi\u00f3n en su disfrute, y no en su patrimonio.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>![\"#6\"](\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2018\/12\/6.png\" "\\"#6\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA UN D\u00cdA LLUVIOSO<\/h4>\n<\/div>Aunque la vida sea soleada ahora, es buena idea crear un fondo para los d\u00edas de lluvia. Seg\u00fan la mayor\u00eda de los expertos financieros, lo ideal es que el fondo de emergencia cubra entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja para llegar a $1.000. Para ponerlo en t\u00e9rminos comprensibles para un nuevo propietario, empieza ahorrando lo suficiente para un nuevo calentador de agua. Despu\u00e9s, para el lavavajillas, la caldera y el tejado.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div>North Shore Trust and Savings lleva ayudando a los residentes del condado de Lake a hacer realidad su sue\u00f1o de ser propietarios de una vivienda desde 1921.<\/p>\n
.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"\n
6 ITEMS FOR YOUR NEW HOME'S TO-DO LIST - North Shore Trust and Savings<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/6-cosas-que-debe-hacer-en-su-nueva-casa\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 ITEMS FOR YOUR NEW HOME'S TO-DO LIST - North Shore Trust and Savings\" \/>\n<meta property=\"og:description\" content=\"At North Shore Trust and Savings, we care about our customers. One of the ways we show that care is by ensuring our customers are informed consumers. 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En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>\n
Si usted es un comprador de vivienda por primera vez, o un experimentado comprador de vivienda la construcci\u00f3n de su \"para siempre\" casa, nuestros oficiales de pr\u00e9stamos estar\u00e1 a su lado en cada paso del camino. Nuestro cuidado y preocupaci\u00f3n por nuestros clientes no se detiene una vez que se firma la nota. A medida que se instala en su nuevo hogar, hay algunas cosas importantes que debe tener en cuenta.<\/p>\n<\/div>
NORTH SHORE TRUST AND SAVINGS RECOMIENDA LOS SIGUIENTES CONSEJOS:<\/h2><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>CREAR UN PRESUPUESTO<\/h4>\n<\/div>La clave de un buen presupuesto es incluir toda la informaci\u00f3n posible para poder prepararlo y planificarlo adecuadamente. Es importante llevar un registro exacto de tus gastos para que puedas detectar d\u00f3nde puedes ahorrar dinero y saber cu\u00e1nto puedes gastar razonablemente. iBanking e iMobile de North Shore Trust and Savings son formas estupendas de controlar f\u00e1cilmente los saldos de tus cuentas. El rastreador de gastos incorporado, Manage My Money, establecer\u00e1 objetivos de gasto y metas de ahorro, mientras muestra visualmente su progreso.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>PROTEJA SU PROPIEDAD<\/h4>\n<\/div>Ya sea propietario o inquilino, necesita un seguro para proteger sus pertenencias. Incluso si ya ten\u00eda cobertura, despu\u00e9s de una mudanza es un buen momento para evaluar su cobertura. A menudo nos limitamos a contratar la p\u00f3liza m\u00e1s r\u00e1pida o m\u00e1s barata cuando nos mudamos. Cuando se trata de sus preciadas posesiones, t\u00f3mese el tiempo necesario para contratar la p\u00f3liza que mejor se adapte a sus necesidades. Re\u00fanase con un agente de seguros local para revisar los l\u00edmites de su cobertura y las franquicias. Cada p\u00f3liza es diferente y es importante que contrate la p\u00f3liza adecuada a su situaci\u00f3n particular. Un agente con experiencia tambi\u00e9n puede ayudarle a ahorrar dinero agrupando sus p\u00f3lizas de seguro de hogar\/arrendamiento, autom\u00f3vil y vida.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>PROTEJA SU SEGURIDAD<\/h4>\n<\/div>No d\u00e9 por sentado que el anterior propietario lo mantuvo todo correctamente. S\u00f3lo se necesita un poco de tiempo para garantizar su seguridad y proporcionarle tranquilidad. Aseg\u00farese de que todas las cerraduras de puertas y ventanas funcionan correctamente. Repare o sustituya las que no funcionen correctamente y considere la posibilidad de que un cerrajero vuelva a poner las llaves en las puertas y cambie los c\u00f3digos de acceso. Tambi\u00e9n es buena idea cambiar las pilas de todos los detectores de humo y mon\u00f3xido de carbono. Al hacerlo, compruebe que todos funcionan correctamente y c\u00e1mbielos si es necesario. Si tiene secadora, limpie la pelusa de todo el sistema, desde la secadora hasta la tapa de ventilaci\u00f3n exterior. La pelusa es extremadamente inflamable y supone un riesgo de incendio. Considere la posibilidad de adquirir extintores para la cocina, el lavadero y el garaje.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DEDUCCIONES FISCALES<\/h4>\n<\/div>Aseg\u00farese de conocer todas las deducciones fiscales asociadas a su mudanza y nueva vivienda. Si utiliza una parte de su vivienda para fines profesionales o se traslada por un nuevo trabajo, es posible que pueda desgravarse. Los propietarios suelen poder deducir los intereses hipotecarios, los impuestos sobre la propiedad y los pr\u00e9stamos para mejoras en la vivienda. Un profesional fiscal local puede orientarle para asegurarse de que aprovecha correctamente todos los cr\u00e9ditos y deducciones fiscales a su disposici\u00f3n.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>HAGA DE SU CASA -O APARTAMENTO- SU HOGAR<\/h4>\n<\/div>Decorar tu espacio lo har\u00e1 m\u00e1s c\u00f3modo y personal. Si eres inquilino, consulta con el casero antes de hacer cambios importantes, como pintar las paredes o cambiar los electrodom\u00e9sticos. Los inquilinos deben hacer fotos de la vivienda alquilada antes de mudarse para documentar el estado en que se encuentra e insistir en una visita final con el propietario. Si es propietario de su vivienda, sea inteligente a la hora de invertir su dinero en mejoras para asegurarse de que est\u00e1 acumulando patrimonio en su casa. Por ejemplo, las mejoras en la cocina y el cuarto de ba\u00f1o suelen ser las m\u00e1s rentables, pero no se gu\u00ede \u00fanicamente por ellas. Recuerde que es su casa y que tiene previsto vivir en ella durante mucho tiempo. Las mejoras que hacen que la casa sea m\u00e1s agradable, pero no aumentan el valor de reventa, est\u00e1n bien, siempre y cuando reconozca que son una inversi\u00f3n en su disfrute, y no en su patrimonio.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA UN D\u00cdA LLUVIOSO<\/h4>\n<\/div>Aunque la vida sea soleada ahora, es buena idea crear un fondo para los d\u00edas de lluvia. Seg\u00fan la mayor\u00eda de los expertos financieros, lo ideal es que el fondo de emergencia cubra entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja para llegar a $1.000. Para ponerlo en t\u00e9rminos comprensibles para un nuevo propietario, empieza ahorrando lo suficiente para un nuevo calentador de agua. Despu\u00e9s, para el lavavajillas, la caldera y el tejado.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div>North Shore Trust and Savings lleva ayudando a los residentes del condado de Lake a hacer realidad su sue\u00f1o de ser propietarios de una vivienda desde 1921.<\/p>\n
.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"\n
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<\/span><\/div><\/div><\/div><\/div>CREAR UN PRESUPUESTO<\/h4>\n<\/div>La clave de un buen presupuesto es incluir toda la informaci\u00f3n posible para poder prepararlo y planificarlo adecuadamente. Es importante llevar un registro exacto de tus gastos para que puedas detectar d\u00f3nde puedes ahorrar dinero y saber cu\u00e1nto puedes gastar razonablemente. iBanking e iMobile de North Shore Trust and Savings son formas estupendas de controlar f\u00e1cilmente los saldos de tus cuentas. El rastreador de gastos incorporado, Manage My Money, establecer\u00e1 objetivos de gasto y metas de ahorro, mientras muestra visualmente su progreso.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>PROTEJA SU PROPIEDAD<\/h4>\n<\/div>Ya sea propietario o inquilino, necesita un seguro para proteger sus pertenencias. Incluso si ya ten\u00eda cobertura, despu\u00e9s de una mudanza es un buen momento para evaluar su cobertura. A menudo nos limitamos a contratar la p\u00f3liza m\u00e1s r\u00e1pida o m\u00e1s barata cuando nos mudamos. Cuando se trata de sus preciadas posesiones, t\u00f3mese el tiempo necesario para contratar la p\u00f3liza que mejor se adapte a sus necesidades. Re\u00fanase con un agente de seguros local para revisar los l\u00edmites de su cobertura y las franquicias. Cada p\u00f3liza es diferente y es importante que contrate la p\u00f3liza adecuada a su situaci\u00f3n particular. Un agente con experiencia tambi\u00e9n puede ayudarle a ahorrar dinero agrupando sus p\u00f3lizas de seguro de hogar\/arrendamiento, autom\u00f3vil y vida.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>PROTEJA SU SEGURIDAD<\/h4>\n<\/div>No d\u00e9 por sentado que el anterior propietario lo mantuvo todo correctamente. S\u00f3lo se necesita un poco de tiempo para garantizar su seguridad y proporcionarle tranquilidad. Aseg\u00farese de que todas las cerraduras de puertas y ventanas funcionan correctamente. Repare o sustituya las que no funcionen correctamente y considere la posibilidad de que un cerrajero vuelva a poner las llaves en las puertas y cambie los c\u00f3digos de acceso. Tambi\u00e9n es buena idea cambiar las pilas de todos los detectores de humo y mon\u00f3xido de carbono. Al hacerlo, compruebe que todos funcionan correctamente y c\u00e1mbielos si es necesario. Si tiene secadora, limpie la pelusa de todo el sistema, desde la secadora hasta la tapa de ventilaci\u00f3n exterior. La pelusa es extremadamente inflamable y supone un riesgo de incendio. Considere la posibilidad de adquirir extintores para la cocina, el lavadero y el garaje.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DEDUCCIONES FISCALES<\/h4>\n<\/div>Aseg\u00farese de conocer todas las deducciones fiscales asociadas a su mudanza y nueva vivienda. Si utiliza una parte de su vivienda para fines profesionales o se traslada por un nuevo trabajo, es posible que pueda desgravarse. Los propietarios suelen poder deducir los intereses hipotecarios, los impuestos sobre la propiedad y los pr\u00e9stamos para mejoras en la vivienda. Un profesional fiscal local puede orientarle para asegurarse de que aprovecha correctamente todos los cr\u00e9ditos y deducciones fiscales a su disposici\u00f3n.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>HAGA DE SU CASA -O APARTAMENTO- SU HOGAR<\/h4>\n<\/div>Decorar tu espacio lo har\u00e1 m\u00e1s c\u00f3modo y personal. Si eres inquilino, consulta con el casero antes de hacer cambios importantes, como pintar las paredes o cambiar los electrodom\u00e9sticos. Los inquilinos deben hacer fotos de la vivienda alquilada antes de mudarse para documentar el estado en que se encuentra e insistir en una visita final con el propietario. Si es propietario de su vivienda, sea inteligente a la hora de invertir su dinero en mejoras para asegurarse de que est\u00e1 acumulando patrimonio en su casa. Por ejemplo, las mejoras en la cocina y el cuarto de ba\u00f1o suelen ser las m\u00e1s rentables, pero no se gu\u00ede \u00fanicamente por ellas. Recuerde que es su casa y que tiene previsto vivir en ella durante mucho tiempo. Las mejoras que hacen que la casa sea m\u00e1s agradable, pero no aumentan el valor de reventa, est\u00e1n bien, siempre y cuando reconozca que son una inversi\u00f3n en su disfrute, y no en su patrimonio.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA UN D\u00cdA LLUVIOSO<\/h4>\n<\/div>Aunque la vida sea soleada ahora, es buena idea crear un fondo para los d\u00edas de lluvia. Seg\u00fan la mayor\u00eda de los expertos financieros, lo ideal es que el fondo de emergencia cubra entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja para llegar a $1.000. Para ponerlo en t\u00e9rminos comprensibles para un nuevo propietario, empieza ahorrando lo suficiente para un nuevo calentador de agua. Despu\u00e9s, para el lavavajillas, la caldera y el tejado.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div>North Shore Trust and Savings lleva ayudando a los residentes del condado de Lake a hacer realidad su sue\u00f1o de ser propietarios de una vivienda desde 1921.<\/p>\n
.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"\n
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La clave de un buen presupuesto es incluir toda la informaci\u00f3n posible para poder prepararlo y planificarlo adecuadamente. Es importante llevar un registro exacto de tus gastos para que puedas detectar d\u00f3nde puedes ahorrar dinero y saber cu\u00e1nto puedes gastar razonablemente. iBanking e iMobile de North Shore Trust and Savings son formas estupendas de controlar f\u00e1cilmente los saldos de tus cuentas. El rastreador de gastos incorporado, Manage My Money, establecer\u00e1 objetivos de gasto y metas de ahorro, mientras muestra visualmente su progreso.<\/p>\n<\/div><\/div><\/div>
<\/span><\/div><\/div><\/div><\/div>PROTEJA SU PROPIEDAD<\/h4>\n<\/div>Ya sea propietario o inquilino, necesita un seguro para proteger sus pertenencias. Incluso si ya ten\u00eda cobertura, despu\u00e9s de una mudanza es un buen momento para evaluar su cobertura. A menudo nos limitamos a contratar la p\u00f3liza m\u00e1s r\u00e1pida o m\u00e1s barata cuando nos mudamos. Cuando se trata de sus preciadas posesiones, t\u00f3mese el tiempo necesario para contratar la p\u00f3liza que mejor se adapte a sus necesidades. Re\u00fanase con un agente de seguros local para revisar los l\u00edmites de su cobertura y las franquicias. Cada p\u00f3liza es diferente y es importante que contrate la p\u00f3liza adecuada a su situaci\u00f3n particular. Un agente con experiencia tambi\u00e9n puede ayudarle a ahorrar dinero agrupando sus p\u00f3lizas de seguro de hogar\/arrendamiento, autom\u00f3vil y vida.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>PROTEJA SU SEGURIDAD<\/h4>\n<\/div>No d\u00e9 por sentado que el anterior propietario lo mantuvo todo correctamente. S\u00f3lo se necesita un poco de tiempo para garantizar su seguridad y proporcionarle tranquilidad. Aseg\u00farese de que todas las cerraduras de puertas y ventanas funcionan correctamente. Repare o sustituya las que no funcionen correctamente y considere la posibilidad de que un cerrajero vuelva a poner las llaves en las puertas y cambie los c\u00f3digos de acceso. Tambi\u00e9n es buena idea cambiar las pilas de todos los detectores de humo y mon\u00f3xido de carbono. Al hacerlo, compruebe que todos funcionan correctamente y c\u00e1mbielos si es necesario. Si tiene secadora, limpie la pelusa de todo el sistema, desde la secadora hasta la tapa de ventilaci\u00f3n exterior. La pelusa es extremadamente inflamable y supone un riesgo de incendio. Considere la posibilidad de adquirir extintores para la cocina, el lavadero y el garaje.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DEDUCCIONES FISCALES<\/h4>\n<\/div>Aseg\u00farese de conocer todas las deducciones fiscales asociadas a su mudanza y nueva vivienda. Si utiliza una parte de su vivienda para fines profesionales o se traslada por un nuevo trabajo, es posible que pueda desgravarse. Los propietarios suelen poder deducir los intereses hipotecarios, los impuestos sobre la propiedad y los pr\u00e9stamos para mejoras en la vivienda. Un profesional fiscal local puede orientarle para asegurarse de que aprovecha correctamente todos los cr\u00e9ditos y deducciones fiscales a su disposici\u00f3n.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>HAGA DE SU CASA -O APARTAMENTO- SU HOGAR<\/h4>\n<\/div>Decorar tu espacio lo har\u00e1 m\u00e1s c\u00f3modo y personal. Si eres inquilino, consulta con el casero antes de hacer cambios importantes, como pintar las paredes o cambiar los electrodom\u00e9sticos. Los inquilinos deben hacer fotos de la vivienda alquilada antes de mudarse para documentar el estado en que se encuentra e insistir en una visita final con el propietario. Si es propietario de su vivienda, sea inteligente a la hora de invertir su dinero en mejoras para asegurarse de que est\u00e1 acumulando patrimonio en su casa. Por ejemplo, las mejoras en la cocina y el cuarto de ba\u00f1o suelen ser las m\u00e1s rentables, pero no se gu\u00ede \u00fanicamente por ellas. Recuerde que es su casa y que tiene previsto vivir en ella durante mucho tiempo. Las mejoras que hacen que la casa sea m\u00e1s agradable, pero no aumentan el valor de reventa, est\u00e1n bien, siempre y cuando reconozca que son una inversi\u00f3n en su disfrute, y no en su patrimonio.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA UN D\u00cdA LLUVIOSO<\/h4>\n<\/div>Aunque la vida sea soleada ahora, es buena idea crear un fondo para los d\u00edas de lluvia. Seg\u00fan la mayor\u00eda de los expertos financieros, lo ideal es que el fondo de emergencia cubra entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja para llegar a $1.000. Para ponerlo en t\u00e9rminos comprensibles para un nuevo propietario, empieza ahorrando lo suficiente para un nuevo calentador de agua. Despu\u00e9s, para el lavavajillas, la caldera y el tejado.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div>North Shore Trust and Savings lleva ayudando a los residentes del condado de Lake a hacer realidad su sue\u00f1o de ser propietarios de una vivienda desde 1921.<\/p>\n
.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"\n
6 ITEMS FOR YOUR NEW HOME'S TO-DO LIST - North Shore Trust and Savings<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/6-cosas-que-debe-hacer-en-su-nueva-casa\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 ITEMS FOR YOUR NEW HOME'S TO-DO LIST - North Shore Trust and Savings\" \/>\n<meta property=\"og:description\" content=\"At North Shore Trust and Savings, we care about our customers. One of the ways we show that care is by ensuring our customers are informed consumers. 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Ya sea propietario o inquilino, necesita un seguro para proteger sus pertenencias. Incluso si ya ten\u00eda cobertura, despu\u00e9s de una mudanza es un buen momento para evaluar su cobertura. A menudo nos limitamos a contratar la p\u00f3liza m\u00e1s r\u00e1pida o m\u00e1s barata cuando nos mudamos. Cuando se trata de sus preciadas posesiones, t\u00f3mese el tiempo necesario para contratar la p\u00f3liza que mejor se adapte a sus necesidades. Re\u00fanase con un agente de seguros local para revisar los l\u00edmites de su cobertura y las franquicias. Cada p\u00f3liza es diferente y es importante que contrate la p\u00f3liza adecuada a su situaci\u00f3n particular. Un agente con experiencia tambi\u00e9n puede ayudarle a ahorrar dinero agrupando sus p\u00f3lizas de seguro de hogar\/arrendamiento, autom\u00f3vil y vida.<\/p>\n<\/div><\/div><\/div>
<\/span><\/div><\/div><\/div><\/div>PROTEJA SU SEGURIDAD<\/h4>\n<\/div>No d\u00e9 por sentado que el anterior propietario lo mantuvo todo correctamente. S\u00f3lo se necesita un poco de tiempo para garantizar su seguridad y proporcionarle tranquilidad. Aseg\u00farese de que todas las cerraduras de puertas y ventanas funcionan correctamente. Repare o sustituya las que no funcionen correctamente y considere la posibilidad de que un cerrajero vuelva a poner las llaves en las puertas y cambie los c\u00f3digos de acceso. Tambi\u00e9n es buena idea cambiar las pilas de todos los detectores de humo y mon\u00f3xido de carbono. Al hacerlo, compruebe que todos funcionan correctamente y c\u00e1mbielos si es necesario. Si tiene secadora, limpie la pelusa de todo el sistema, desde la secadora hasta la tapa de ventilaci\u00f3n exterior. La pelusa es extremadamente inflamable y supone un riesgo de incendio. Considere la posibilidad de adquirir extintores para la cocina, el lavadero y el garaje.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>DEDUCCIONES FISCALES<\/h4>\n<\/div>Aseg\u00farese de conocer todas las deducciones fiscales asociadas a su mudanza y nueva vivienda. Si utiliza una parte de su vivienda para fines profesionales o se traslada por un nuevo trabajo, es posible que pueda desgravarse. Los propietarios suelen poder deducir los intereses hipotecarios, los impuestos sobre la propiedad y los pr\u00e9stamos para mejoras en la vivienda. Un profesional fiscal local puede orientarle para asegurarse de que aprovecha correctamente todos los cr\u00e9ditos y deducciones fiscales a su disposici\u00f3n.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>HAGA DE SU CASA -O APARTAMENTO- SU HOGAR<\/h4>\n<\/div>Decorar tu espacio lo har\u00e1 m\u00e1s c\u00f3modo y personal. Si eres inquilino, consulta con el casero antes de hacer cambios importantes, como pintar las paredes o cambiar los electrodom\u00e9sticos. Los inquilinos deben hacer fotos de la vivienda alquilada antes de mudarse para documentar el estado en que se encuentra e insistir en una visita final con el propietario. Si es propietario de su vivienda, sea inteligente a la hora de invertir su dinero en mejoras para asegurarse de que est\u00e1 acumulando patrimonio en su casa. Por ejemplo, las mejoras en la cocina y el cuarto de ba\u00f1o suelen ser las m\u00e1s rentables, pero no se gu\u00ede \u00fanicamente por ellas. Recuerde que es su casa y que tiene previsto vivir en ella durante mucho tiempo. Las mejoras que hacen que la casa sea m\u00e1s agradable, pero no aumentan el valor de reventa, est\u00e1n bien, siempre y cuando reconozca que son una inversi\u00f3n en su disfrute, y no en su patrimonio.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA UN D\u00cdA LLUVIOSO<\/h4>\n<\/div>Aunque la vida sea soleada ahora, es buena idea crear un fondo para los d\u00edas de lluvia. Seg\u00fan la mayor\u00eda de los expertos financieros, lo ideal es que el fondo de emergencia cubra entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja para llegar a $1.000. Para ponerlo en t\u00e9rminos comprensibles para un nuevo propietario, empieza ahorrando lo suficiente para un nuevo calentador de agua. Despu\u00e9s, para el lavavajillas, la caldera y el tejado.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div>North Shore Trust and Savings lleva ayudando a los residentes del condado de Lake a hacer realidad su sue\u00f1o de ser propietarios de una vivienda desde 1921.<\/p>\n
.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"\n
6 ITEMS FOR YOUR NEW HOME'S TO-DO LIST - North Shore Trust and Savings<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.northshoretrust.com\/es\/2018\/12\/27\/6-cosas-que-debe-hacer-en-su-nueva-casa\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 ITEMS FOR YOUR NEW HOME'S TO-DO LIST - North Shore Trust and Savings\" \/>\n<meta property=\"og:description\" content=\"At North Shore Trust and Savings, we care about our customers. One of the ways we show that care is by ensuring our customers are informed consumers. 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No d\u00e9 por sentado que el anterior propietario lo mantuvo todo correctamente. S\u00f3lo se necesita un poco de tiempo para garantizar su seguridad y proporcionarle tranquilidad. Aseg\u00farese de que todas las cerraduras de puertas y ventanas funcionan correctamente. Repare o sustituya las que no funcionen correctamente y considere la posibilidad de que un cerrajero vuelva a poner las llaves en las puertas y cambie los c\u00f3digos de acceso. Tambi\u00e9n es buena idea cambiar las pilas de todos los detectores de humo y mon\u00f3xido de carbono. Al hacerlo, compruebe que todos funcionan correctamente y c\u00e1mbielos si es necesario. Si tiene secadora, limpie la pelusa de todo el sistema, desde la secadora hasta la tapa de ventilaci\u00f3n exterior. La pelusa es extremadamente inflamable y supone un riesgo de incendio. Considere la posibilidad de adquirir extintores para la cocina, el lavadero y el garaje.<\/p>\n<\/div><\/div><\/div>
<\/span><\/div><\/div><\/div><\/div>DEDUCCIONES FISCALES<\/h4>\n<\/div>Aseg\u00farese de conocer todas las deducciones fiscales asociadas a su mudanza y nueva vivienda. Si utiliza una parte de su vivienda para fines profesionales o se traslada por un nuevo trabajo, es posible que pueda desgravarse. Los propietarios suelen poder deducir los intereses hipotecarios, los impuestos sobre la propiedad y los pr\u00e9stamos para mejoras en la vivienda. Un profesional fiscal local puede orientarle para asegurarse de que aprovecha correctamente todos los cr\u00e9ditos y deducciones fiscales a su disposici\u00f3n.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>HAGA DE SU CASA -O APARTAMENTO- SU HOGAR<\/h4>\n<\/div>Decorar tu espacio lo har\u00e1 m\u00e1s c\u00f3modo y personal. Si eres inquilino, consulta con el casero antes de hacer cambios importantes, como pintar las paredes o cambiar los electrodom\u00e9sticos. Los inquilinos deben hacer fotos de la vivienda alquilada antes de mudarse para documentar el estado en que se encuentra e insistir en una visita final con el propietario. Si es propietario de su vivienda, sea inteligente a la hora de invertir su dinero en mejoras para asegurarse de que est\u00e1 acumulando patrimonio en su casa. Por ejemplo, las mejoras en la cocina y el cuarto de ba\u00f1o suelen ser las m\u00e1s rentables, pero no se gu\u00ede \u00fanicamente por ellas. Recuerde que es su casa y que tiene previsto vivir en ella durante mucho tiempo. Las mejoras que hacen que la casa sea m\u00e1s agradable, pero no aumentan el valor de reventa, est\u00e1n bien, siempre y cuando reconozca que son una inversi\u00f3n en su disfrute, y no en su patrimonio.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA UN D\u00cdA LLUVIOSO<\/h4>\n<\/div>Aunque la vida sea soleada ahora, es buena idea crear un fondo para los d\u00edas de lluvia. Seg\u00fan la mayor\u00eda de los expertos financieros, lo ideal es que el fondo de emergencia cubra entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja para llegar a $1.000. Para ponerlo en t\u00e9rminos comprensibles para un nuevo propietario, empieza ahorrando lo suficiente para un nuevo calentador de agua. Despu\u00e9s, para el lavavajillas, la caldera y el tejado.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div>North Shore Trust and Savings lleva ayudando a los residentes del condado de Lake a hacer realidad su sue\u00f1o de ser propietarios de una vivienda desde 1921.<\/p>\n
.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"\n
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Aseg\u00farese de conocer todas las deducciones fiscales asociadas a su mudanza y nueva vivienda. Si utiliza una parte de su vivienda para fines profesionales o se traslada por un nuevo trabajo, es posible que pueda desgravarse. Los propietarios suelen poder deducir los intereses hipotecarios, los impuestos sobre la propiedad y los pr\u00e9stamos para mejoras en la vivienda. Un profesional fiscal local puede orientarle para asegurarse de que aprovecha correctamente todos los cr\u00e9ditos y deducciones fiscales a su disposici\u00f3n.<\/p>\n<\/div><\/div><\/div>
<\/span><\/div><\/div><\/div><\/div>HAGA DE SU CASA -O APARTAMENTO- SU HOGAR<\/h4>\n<\/div>Decorar tu espacio lo har\u00e1 m\u00e1s c\u00f3modo y personal. Si eres inquilino, consulta con el casero antes de hacer cambios importantes, como pintar las paredes o cambiar los electrodom\u00e9sticos. Los inquilinos deben hacer fotos de la vivienda alquilada antes de mudarse para documentar el estado en que se encuentra e insistir en una visita final con el propietario. Si es propietario de su vivienda, sea inteligente a la hora de invertir su dinero en mejoras para asegurarse de que est\u00e1 acumulando patrimonio en su casa. Por ejemplo, las mejoras en la cocina y el cuarto de ba\u00f1o suelen ser las m\u00e1s rentables, pero no se gu\u00ede \u00fanicamente por ellas. Recuerde que es su casa y que tiene previsto vivir en ella durante mucho tiempo. Las mejoras que hacen que la casa sea m\u00e1s agradable, pero no aumentan el valor de reventa, est\u00e1n bien, siempre y cuando reconozca que son una inversi\u00f3n en su disfrute, y no en su patrimonio.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>AHORRAR PARA UN D\u00cdA LLUVIOSO<\/h4>\n<\/div>Aunque la vida sea soleada ahora, es buena idea crear un fondo para los d\u00edas de lluvia. Seg\u00fan la mayor\u00eda de los expertos financieros, lo ideal es que el fondo de emergencia cubra entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja para llegar a $1.000. Para ponerlo en t\u00e9rminos comprensibles para un nuevo propietario, empieza ahorrando lo suficiente para un nuevo calentador de agua. Despu\u00e9s, para el lavavajillas, la caldera y el tejado.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div>North Shore Trust and Savings lleva ayudando a los residentes del condado de Lake a hacer realidad su sue\u00f1o de ser propietarios de una vivienda desde 1921.<\/p>\n
.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"\n
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Decorar tu espacio lo har\u00e1 m\u00e1s c\u00f3modo y personal. Si eres inquilino, consulta con el casero antes de hacer cambios importantes, como pintar las paredes o cambiar los electrodom\u00e9sticos. Los inquilinos deben hacer fotos de la vivienda alquilada antes de mudarse para documentar el estado en que se encuentra e insistir en una visita final con el propietario. Si es propietario de su vivienda, sea inteligente a la hora de invertir su dinero en mejoras para asegurarse de que est\u00e1 acumulando patrimonio en su casa. Por ejemplo, las mejoras en la cocina y el cuarto de ba\u00f1o suelen ser las m\u00e1s rentables, pero no se gu\u00ede \u00fanicamente por ellas. Recuerde que es su casa y que tiene previsto vivir en ella durante mucho tiempo. Las mejoras que hacen que la casa sea m\u00e1s agradable, pero no aumentan el valor de reventa, est\u00e1n bien, siempre y cuando reconozca que son una inversi\u00f3n en su disfrute, y no en su patrimonio.<\/p>\n<\/div><\/div><\/div>
<\/span><\/div><\/div><\/div><\/div>AHORRAR PARA UN D\u00cdA LLUVIOSO<\/h4>\n<\/div>Aunque la vida sea soleada ahora, es buena idea crear un fondo para los d\u00edas de lluvia. Seg\u00fan la mayor\u00eda de los expertos financieros, lo ideal es que el fondo de emergencia cubra entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja para llegar a $1.000. Para ponerlo en t\u00e9rminos comprensibles para un nuevo propietario, empieza ahorrando lo suficiente para un nuevo calentador de agua. Despu\u00e9s, para el lavavajillas, la caldera y el tejado.<\/p>\n<\/div><\/div><\/div>
<\/div><\/div><\/div>North Shore Trust and Savings lleva ayudando a los residentes del condado de Lake a hacer realidad su sue\u00f1o de ser propietarios de una vivienda desde 1921.<\/p>\n
.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"\n
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Aunque la vida sea soleada ahora, es buena idea crear un fondo para los d\u00edas de lluvia. Seg\u00fan la mayor\u00eda de los expertos financieros, lo ideal es que el fondo de emergencia cubra entre tres y seis meses de gastos de manutenci\u00f3n. Esta cantidad proporcionar\u00e1 fondos suficientes en caso de dificultades financieras repentinas, como perder el trabajo o tener que sustituir el coche. Pero seamos sinceros: la Reserva Federal descubri\u00f3 que 47% de los estadounidenses no podr\u00edan permitirse un gasto inesperado de $400 sin pedir prestado el dinero o empe\u00f1ar algo de valor. Eso significa que ahorrar entre tres y seis meses de gastos de manutenci\u00f3n es una suma de dinero inimaginable y, por tanto, inalcanzable. Empieza con un objetivo de $500, y luego trabaja para llegar a $1.000. Para ponerlo en t\u00e9rminos comprensibles para un nuevo propietario, empieza ahorrando lo suficiente para un nuevo calentador de agua. Despu\u00e9s, para el lavavajillas, la caldera y el tejado.<\/p>\n<\/div><\/div><\/div>
North Shore Trust and Savings lleva ayudando a los residentes del condado de Lake a hacer realidad su sue\u00f1o de ser propietarios de una vivienda desde 1921.<\/p>\n
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En North Shore Trust and Savings, nos preocupamos por nuestros clientes. Una de las maneras en que demostramos ese cuidado es asegur\u00e1ndonos de que nuestros clientes sean consumidores informados. Nuestros experimentados Oficiales de Pr\u00e9stamos Hipotecarios se toman todo el tiempo que sea necesario para asegurarse de que sus clientes se sientan c\u00f3modos con el proceso hipotecario.<\/p>","protected":false},"author":1,"featured_media":1173,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"\n