Buying a home and choosing a mortgage can be complicated. It helps to have people you can talk things over with. People tend to do best when they rely on a network of trusted advisors – not just one person – to help them through the process. Your friends, relatives, and co-workers can all serve … Continued

By: Nicole IuzzolinoThere always comes a time when our once nicely organized closet becomes stuffed with new purchases and impulse buys. Sometimes it becomes so cramped that it is impossible to even find anything in it. Here are the top five tricks to getting your closet clean and organized again. 1: The Clothing Purge While … Continued

By, Pam Teel Did you know that the Kinzua Bridge Viaduct in Pennsylvania was once the highest viaduct in the world? It was constructed as an alternative to laying an additional 8 miles of train track over rough terrain along the line leading to McKean County’s coal, lumber, and oil lands. Built of wrought iron, … Continued

The Middle School 6th graders didn’t have far to walk as they headed across Baird Road to the Historic Baird Homestead and Cultural Resource Center in the beginning of June to learn about what it was like living in the past. Hosted by the Friends of Millstone Township Historical Registered Properties for a fourth year, … Continued

Sending your child to summer camp for the first time can be an exciting, but also worrisome time. You and your child may be feeling similar emotions heading into the season: The combina- tion of excitement mixed with the uncertainty of the program, and concerns about whether your child will enjoy their day and make … Continued

Part of why auto insurance is so confusing is because there are different types of coverage. Some are required by law; some are not. And the specifics vary by state. But, since it’s so crucial to understanding your quotes, here is an overview of the major components of an auto insurance policy — and what … Continued

If you have a new driver in your home who is still learning the basics of the road, then FGL DriveTracker is the app for you. Not only does it record the driving hours required for a graduated driver’s license or learner’s permit, but it also lets parents and teens know the highest risk for … Continued

When you’re shopping for a new appliance, look for the Energy Guide label, the yellow tag you’ll find attached to most appliances. It tells how much energy an appli- ance uses and makes it easier to compare the energy use of similar models. The more energy efficient an appliance is, the less it costs to … Continued

Methods of reducing one’s carbon footprint include drawing less on nonrenewable energy sources and reducing waste. To reduce your home’s carbon footprint, you should review your everyday activities, then cut back on practices that have a net effect of increasing green- house gas emissions. Some ways that you may work to reduce your personal carbon … Continued

Now that you have a good sense of what you can comfortably afford on a monthly basis, it’s time to look at your savings and determine how much you can afford for a down payment. Determine how much money you are able to spend upfront on your home purchase • Gather your savings and investment … Continued