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Showing posts from December, 2024

How to Buy a House When You’re a Server (Yes, It’s Possible)

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Let’s get one thing out of the way right now: Being a server does NOT mean you can’t buy a house. It just means the process looks a little different than it does for someone with a steady 9–5 paycheck and zero cash tips (lucky them). If you live off a mix of hourly wages, tips, and hustle, this one’s for you. 1. The Biggest Challenge: Proving Your Income Lenders don’t hate servers — they hate unclear income . Most servers earn: Hourly wages Declared tips (Sometimes) undeclared tips 👉 Here’s the truth: Only declared income counts when qualifying for a mortgage. What helps: 2 years of consistent serving income Tips reported on your tax returns Stable employer or industry history Pro tip: If you’re planning to buy in the next 1–2 years, start declaring your tips now. Future you will be grateful. 2. Taxes: The Necessary Evil That Helps You Buy Yes, declaring tips means paying more tax. But it also means: Higher qualifying income Better mortgage options Less stress at approval time Th...

Holiday Movie Homes: What Would They Be Worth Today?

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As the holiday season approaches, many of us cozy up on the couch to watch classic Christmas movies that bring warmth, nostalgia, and a touch of magic to our lives. From lavish estates to humble homes brimming with charm, these iconic movie houses are often as memorable as the characters themselves. Ever wonder what these famous homes would be worth today? Let’s take a look at some beloved Christmas movie houses and explore their real estate value in today’s market! 1. The McCallister House – Home Alone Location: Winnetka, Illinois The McCallister house, with its red brick façade, spacious interior, and festive charm, is the epitome of suburban luxury. This 4,243-square-foot Georgian-style home was famously featured in Home Alone as the setting for Kevin’s hilarious escapades. In 2012, the home sold for $1.585 million. Adjusting for market trends, its current value could range between $2.5–$3 million . With its cinematic fame and prime location, this home would be a dream for familie...

Surviving Holiday Hosting: 7 Tips to Keep Your Sanity Intact

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Ah, the holidays—a magical time when your home transforms into a bed-and-breakfast for relatives who may or may not respect personal boundaries. Hosting family is a fine balance of holiday cheer and quiet desperation, but with these tips, you might just survive with your sanity (and your furniture) intact. 1. Channel Your Inner Event Planner Think of hosting as running a tiny hotel—one where you’re the concierge, chef, and janitor. Plan meals, sleeping arrangements, and stockpile essentials. Pro tip: Hide the good coffee for yourself. Desperate times call for selfish measures. 2. Deck the Halls (and the Bathroom) A festive vibe makes everything better, even Uncle Bob’s terrible jokes. String lights, light candles, and toss a wreath somewhere. And don’t forget the bathroom—nothing says “holiday spirit” like a pine-scented hand soap and a snowman towel. 3. Have a Loose Schedule (Emphasis on Loose) Plan key events, like when you’ll serve dinner and when to politely suggest everyone goes h...