ArcaMax

Today is a good day to reach into my virtual mailbag and pull out letters from two of my dear readers.

Dear Mary: We are homeowners with about $175,000 in equity, which we will need to buy a bigger house in the future. Our home needs some expensive improvements (new windows, updated kitchen, siding), none of which are urgent, but which will be ...Read more

Homeowners beware. These days, home loan scam artists are lurking around every corner. They're hungry, they're determined and they're coming after your equity.

Unscrupulous loan peddlers are known as predatory lenders because of their uncanny resemblance to vultures. These loans encourage people to consolidate their debts and suggest this will ...Read more

In today's offering of tips from your fellow readers, you're going to get a bonus: a new vocabulary word. Read on.

My dream is to own a second home in Sweden, and to be able to purchase it without a long-term mortgage. I found a picture of the home I dream of and hung it where I will see it often during the day. This has "dreamwashed" my mind, ...Read more

Every summer, right about the time the house starts feeling like a toaster oven with furniture, people begin searching for bigger solutions.

A stronger fan. A portable air conditioner. Blackout curtains that look like military equipment. Somebody with a decent advertising budget trying to sell a "cooling mattress" for the price of a used car.

...Read more

Q: My condominium association is threatening to foreclose on my home over an unpaid assessment of $380 from last year. I had a financial hiccup, and, by the time I had the money, the interest, late fees, and their attorney’s fees had grown to more than $3,000. Can they really take my home over this? — Diane

A: It is terrifying to receive a ...Read more

I call it my mailbag, but in truth its my email inbox and lately, it's been loading up with creative tips from you, my clever readers!

CREATIVE GIFTING

My teenage grandchildren don't want "stuff" anymore -- they want cash! And I understand; being a teenager can be expensive. But I don't want to just hand them money. For Christmas last year I ...Read more

Before you cut up an expired credit card -- or toss that silly fake one you got as junk mail -- consider all the great things you can do with it!

1. Bookmark. It'll keep your place and act as a handy straightedge for underlining or highlighting.

2. Glass scraper. A credit card is just the right size to scrape ice from your car's windows and ...Read more

For many people, the ideal home is not a spotless showroom or a perfectly curated social media backdrop. It is something softer and more practical: a place that feels calm, welcoming and lived in without becoming cluttered or chaotic.

Professional organizers and interior designers say maintaining a tidy and cozy home is less about constant deep...Read more

Dear Mary: I just read that that the company that holds my home mortgage is under investigation by the feds and has a net worth of negative $63 million. This company holds title to my house. If it goes into bankruptcy, am I at risk of losing my home, even though I've never been late on my payments? I don't want to refinance with another company,...Read more

Over the years it seems to me that Memorial Day weekend has developed a second identity. Officially, it's a day of remembrance. Unofficially, it's the kickoff to summer. A three-day event that requires burgers, new patio cushions, a cooler full of drinks, and at least one last-minute trip to the big, crowded store (you know the one) where ...Read more