If you were asked the question, “What is your most valuable asset,” you might reply, “My house,” “my car,” “my art collection” or “my prized boat.” Those are all great achievements in life, but would you be able to have any of these things if you didn’t have the biggest asset of them all – your paycheck?

I’ll never forget my father’s advice upon my college graduation: “Remember to change the oil in your car every 3,000 miles” and “Be sure to give back to your alma mater.” Both actions, he believed, would keep me moving onward and upward in the world.

When financing a home improvement or construction project, homeowners should carefully evaluate all of the various options. Home equity loans and home equity lines of credit (HELOCs) are two of the most common financing choices; for financing the building of a new home, a construction loan is generally the preferred method of financing.

Imagine…you’ve saved for years to create a nest egg to carry you through retirement. You’re no Rockefeller, but you’ve done well… if only it was just a bit more, you think, you could be set for everything you need and want in your Golden Years.

Hundreds of years ago several people in a town in the United Kingdom contracted a mysterious and serious illness. The best doctors and scientists gathered from all over the world to determine the cause. After several weeks, the city’s council was told that the cause could not be identified with certainty but had something to do with the water.