Tips for safe trick or treating:

Halloween Safety Tips

Tips for safe costumes:

• Use costumes with bright fabrics and decorate costumes with reflective tape. Flashlights also help drivers see children.
• Make sure that costumes and shoes fit properly.
• All costume accessories should be made of soft, flexible material and should not have any sharp edges.
• Consider using face paint or make-up instead of a mask.

Tips for safe trick or treating:

• Use flashlights or glow sticks in your pumpkins and other decorations, rather than candles.
• An adult should accompany children when trick or treating.
• Encourage children to trick or treat along one side of the street, then carefully cross over to the other side.
• Stay in well lit areas and only visit homes that have their outside lights turned on. Children should never go inside homes.
• Tell children to bring their treats home before eating anything and make sure you inspect all the treats before your children eat any candy. Be sure to discard any treats that are not wrapped, or are in torn or open packages.

Tips for safe driving on Halloween:

• Be very careful when driving. Remember that children are excited and may forget safety rules.
• When driving in areas with children, slow down and watch for them.

10 Commandments home buyers must follow

These 10 Commandments home buyers must follow may seem like common sense to many. Buyers, however, can sometimes forget with all the excitement surrounding the buying of their new home. In the past couple of weeks, I have heard of two separate buyers who saw their home loan turned down, and their dream shattered, a few days before closing because they had bought furniture for their new home before it actually became their home. Both of them now have beautiful furniture with no home to put them in.
These two buyers were not my clients but it always hurts when I hear of transactions falling apart for reasons that could have been avoided. These 10 commandments are part of the buyer packet I give all my clients when we first meet and I always stress that once they get pre-approved and the process is started, they can't do anything that might affect their credit.
1. Do not change jobs, become self-employed or quit your job.
2. Do not buy a car, truck or van (or you may be living in it)!
3. Do not use credit cards excessively or let your accounts fall behind.
4. Do not spend money you have set aside for closing.
5. Do not omit debts or liabilities from your loan application.
6. Do not buy furniture.
7. Do not originate any inquiries into your credit.
8. Do not make large deposits without first checking with your loan officer.
9. Do not change bank accounts.
10. Do not co-sign a loan for anyone.
If you are in the process of buying a home, remember that your credit must not change or be affected in any way until you actually sign the paperwork and get possession of your new home. Lenders will not only look into your credit when you first get pre-approved, they will check it again (and sometimes again and again) before they let you sign the mortgage. If you want to buy new furniture for your home or change jobs, just be patient. There will always be time to do it after the closing.

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