Active Adults in York County

Today we are seeing more and more people looking to downsize at earlier ages. Used to be when people wanted to downsize it was in preparation for retirement. Not the case any more. Today many people are starting out in larger size homes and once the kids leave the nest people are looking to move to smaller homes and enjoy another phase of their lives. The downsizing is also having an effect of folks that want to spend more time enjoying leisurely activities and less time on maintenance and upkeep of a home. Wonderful options are available on the market for people looking to downsize and whether you are looking for a smaller home or a community with smaller homes and active lifestyles there are so many options to meet every need. We would love to meet with you and learn what your downsizing wish list includes and we know we can find the perfect scenario for you. Give The Guilliams Team a call today and let us show you how downsizing is often the best rightsizing option.

Seeking Credit Advice

I am often asked what do I look for to be sure I get the best credit advice. I think there are at least 10 things to look for.
1. Be sure the company has a good reputation. Many companies over promise and under deliver. It is important that the company has a good track record. See what former clients have to say about the service the received.
2. Be sure the company did not just start doing business last month. Again a proven track record goes a long way toward being sure the company will perform well and will be around for some time in the future.
3. Ask how long it will take to help you achieve your goals. Some companies want to keep you in their program as long as they can to make more money off of you. Pick a company that will help you achieve your goals in the shortest amount of time possible.
4. Ask the company exactly how they are going to help you obtain a healthy credit report. Find a company that will do more than just put a temporary band aid on your credit. Find a company that will teach you how to obtain a healthy credit report and how to keep it healthy for the rest of your life.
5. Find a company that will keep you informed about the process all along the way. Communication and the ability to ask the company questions will go a long way toward helping you obtain your goals faster and with better results.
6. Find a company that will charge reasonable fees and is not out to gouge you.
7. Using a company that has been in business for years will help you negotiate and pay off accounts at great savings, sometimes thousands of dollars in savings. These companies will have contacts all over the United States that will work with you.
8. Find a company that will counsel you on making wise credit decisions. To maintain a healthy credit file you need proven and trusted professionals that know what they are doing so they can advise you properly.
9. Find a company that will keep you updated about current credit issues that will affect your financial future. Part of our credit education is staying on top of new laws and news that can benefit your total credit picture.
10. Find a company that reveals everything upfront with no hidden fees or rules that you will find out about later. Look carefully at the materials and web site to see if they disclose things clearly to you up front. Also be sure they do not pressure you to sign up today. If they are a reputable company there services will be available to you tomorrow, next week, next month and even next year. Be sure you feel comfortable and have confidence in the decision you finally make.

Low Maintenance for Empty Nesters

Not too long ago when you talked about empty-nesters the impression was one of older individuals who slow down and don't have much going on. Today when you say empty-nesters you talk about folks who have an active lifestyle, can set their own schedule and the kids are finally out of the house (until of course someone returns home). Folks are living longer and staying active and even though they become "senior" in years there is really no senior in their living habits. Empty-nesters tend to get involved in activities and social groups that they never had time for when working and raising families. Now empty-nesters can set their own schedules and participate in activities on their own time. They can truly enjoy living the lifestyle they have often dreamed of whether that means taking up golf, playing in a bridge club, joining a gardening club, taking in the theater on a Tuesday night and the list goes on and on. Part of the lifestyle that empty-nesters look for in today's market is one that offers comfortable and even luxurious living without all the demands of a yard and outside maintenance. Popular concepts emerging today including luxury type patio homes where homeowners pay a monthly fee which covers the outside maintenance of their home including lawn care, landscaping, paint, shingles and so forth. Having such a large part of home maintenance taken care of by other means allows many empty-nesters who are homeowners to enjoy the activities they want to participate in without feeling guilty of all the chores of maintaining a home. After years of working hard folks deserve "luxury" living which includes being an empty nester and enjoy spending the time the way you want to spend your time.
Enjoy life and let The Guilliams Team show you how to transition to the lifestyle you deserve today. Being an empty-nester is great so let the living begin!