Diana Kearns and Michael Kearns, Realtors Real Estate Agent

Diana Kearns and Michael Kearns, Realtors

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The Ins and Outs of Business Credit Cards

By The Kearns Team via RISMedia - December 09, 2020
Photo provided by RISMedia A business credit card can be a big help to business owners. But if not used properly, they can cause credit scores to drop, affecting personal credit. There are a number of ways cardholders can negatively impact their credit score. The biggest culprit? Carrying too much debt on their business card which raises their debt-to-credit ratio. To calculate this ratio, divi
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5 Reminders to Keep In Your Wallet

By The Kearns Team via RISMedia - December 01, 2020
Photo provided by RISMedia Your purse or wallet can be more than just a place to pull your money out of so you can spend it. It can also store a few things to remind you to use less money, or at least use it well. Here are five things to keep in your wallet that can help you use your money well: Cash If you follow the rule of only spending the amount of cash you have on you, then you’ll never
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5 Reasons to Paint Your Walls Gray

By The Kearns Team via RISMedia - November 24, 2020
Image courtesy of RISMedia When it comes to painting your space, there are myriad options: bright and sunny yellow, the classic eggshell white, a soothing blue or a fresh green. But one color you shouldn’t overlook when painting is gray. Below are five reasons why. It matches. Gray is a fluid, flexible color that pairs well with a large variety of accents. This means you can swap out your color
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Do you need a REALTOR to buy a new construction home?

By The Kearns Team - November 16, 2020
Every day home buyers head off to builders' offices and model homes without a REALTOR® representing them as a Buyer's Agent. Sure you can buy a home on your own, but aren't you giving up a lot if you don't use a REALTOR? Before we talk about the advantages of having a REALTOR represent you when you purchase a new home from a builder, you should know that according to the guidelines of the Denver
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What Happens If You Cancel a Credit Card?

By The Kearns Team via RISMedia - November 01, 2020
Photo courtesy of RISMedia Canceling a credit card that you rarely use or have paid off can feel good. It can give you a sense of accomplishment while lightening your wallet and giving you one less bill to worry about. It can, however, also cause your credit score to drop. But if you want to maintain your current credit score or improve it, then you may want to hold onto that card a little longe
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Maintaining the Beauty of Your Natural Stone Fireplace

By The Kearns Team via RISMedia - October 23, 2020
Photo courtesy of RISMedia In your home or in your vacation cabin, a handsome stone hearth is often the gathering place for comfy family evenings. But accumulations of dirt, soot and ash can make your fireplace less efficient and ruin the lovely patina of natural stone. You can help maintain its beauty and safety with this once-yearly facelift routine: Clean the firebox. At least 12 hours afte
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How to Avoid Credit Card Interest

By The Kearns Team via RISMedia - October 18, 2020
Photo provided by RISMedia The typical credit card charges about 16 percent interest per year on balances, effectively adding $16 to each $100 in expenses that are left on a credit card. Some charge as much as 29 percent if you’re late on a payment and have to pay penalty interest. Avoiding a credit card balance by paying the bill before the due date each month is the best way to avoid such ext
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5 Spices That Add Flavor but Not Heat

By The KearnsTeam via RISMedia - October 09, 2020
Photo courtesy of RISMedia Are you looking to add spice to your home cooking, but not heat? Here are five interesting flavors to try, while sparing your mouth from fire. Cumin. With a mild, earthy flavor, cumin goes great in curries without adding any heat, and has been known to aid digestion and improve your immune system. Coriander. Did you know coriander seeds come from the cilantro plant?
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5 Financial Tips for First-Time Parents

By The Kearns Team via RISMedia - October 04, 2020
Photo courtesy of RISMedia So a baby is on the way? Congrats! Along with the chaos of, well, everything that is to come, your finances are about to experience an upheaval, as well. According to the U.S. Department of Agriculture, it will cost upwards of $245,000 to raise a child born in 2013 to the age of 18—and this does not include college. Feeling that bank account burn already? Below are fiv
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How Phone Calls Can Help You Reconnect With People

By The Kearns Team via RISMedia - September 22, 2020
Photo provided by RISMedia During this pandemic, people have found themselves needing to re-learn how to communicate without being face-to-face with their friends and family. Though video conferencing and FaceTime is available, a simple phone call can help people connect just as much. A phone call, though a seemingly simple and outdated form of communication, can really help those feeling lone
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Understanding Credit Card Offers: Are You Reading the Fine Print?

By The Kearns Team via RISMedia - September 15, 2020
Image provided by RISMedia The fine print at the end of a credit card offer letter can tell a consumer a lot more about how good—or bad—the offer is than the main area of the marketing letter, where flashy photos and less text are more likely to catch the eye. But the small-font text in the last pages of a credit card offer are less likely to be read than the bigger, main points early on. At le
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Quick Fixes for Your Common Household Problems

By The KearnsTeam via RISMedia - September 08, 2020
Photo courtesy of RISMedia It may seem like there’s always something going on as a homeowner, from silencing a squeaky hinge to unclogging a temperamental toilet. But many household problems can be easily fixed without calling a repair service. A can of WD-40, a toilet plunger and a bottle of vinegar are great basics to keep on hand for easing sticky fittings, clearing the toilet and making sho
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