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Winter 2020
SEASONS® MAGAZINE
Countdown to Valentine’s Day with week-long fun
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illions of people eagerly await the arrival of the shortest month of the year for the opportunity to show their spouses, girlfriends, boyfriends, companions, and many other special people in their lives how much they are loved. Even though Valentine’s Day is just one day a year, that doesn’t mean it should be the only time one expresses his or her love for a special someone. With this in mind, individuals can count down the days to Valentine’s Day with these daily events that precede the day of love.
February 7: Rose Day
Celebrate love with a vase filled with roses. Red symbolizes love, and many other colors represent heartfelt emotions. The flowers will add to home decor and ambiance.
February 8: Proposal Day
Couples ready to tie the knot can use this day as an opportunity to propose. Those already engaged or married can spend Proposal Day celebrating the events that led up to their own engagement or betrothal, and toast how their relationships have evolved.
February 9: Chocolate Day
Lavish a loved one with all the decadent treats they enjoy. These can include store-purchased chocolates, chocolate fudge sundaes or warm brownies fresh out of the oven.
February 10: Teddy Day
This day can be interpreted in different ways. Couples adding spice to their relationships can celebrate Teddy Day with the lingerie of the same name. Those looking for a more G-rated experience can gift each other with an adorable stuffed bear. Make-your-own stuffed animal retailers at nearby malls are a place to turn for customizable teddy bears.
February 11: Promise Day
Promise Day provides an opportunity to make promises to each other that are specific to couples’ relationships. These can include being more patient, traveling more or spending more time together.
February 12: Hug Day
On this day the world celebrates the uplifting and comforting power of hugs, which can be powerful expressions of love.
February 13: Kiss Day
Couples can pucker up and spend a few extra moments showing their affection with some kisses. The lips are quite sensitive to touch, and kissing is one of the more renowned expressions of intimacy. Show love all week long leading up to Valentine’s Day.
Looking to Buy a Home? 2020 May Be Your Year
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f buying a home is on your near-future to-do list, experts say that 2020 may be a good year to make it happen. Mortgage interest rates are near historic lows, providing you with the opportunity to finance a new home purchase at a much lower cost.
According to a new forecast from Freddie Mac, mortgage rates will stay in the 3-4 percent range for all of 2020 and 2021, giving prospective homeowners substantial time to plan their purchase. This, combined with modest inflation and a solid labor market, makes for good climate to buy a home with a fixed rate mortgage. For those who are already homeowners, refinancing now may be a good idea. “For those serious about homeownership, today’s sub 4 percent mortgage rates should not be taken for granted,” says Freddie Mac chief economist, Sam Khater. “For comparative purposes, in 2000, rates averaged eight percent; and in the 80s, they spiked to 18.5 percent.”
Whether you are making the jump from renting to owning, or looking for a home that better meets your current needs, now may be a great time to consider making your real estate dreams a reality. Today’s low rates could save you money for years to come. (StatePoint) www.theneighbornewspapers.com/seasons-magazine
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Khater stresses that while mortgage rates are an essential factor to consider in the home-buying process, there are other important items to think about as well as you lay the groundwork for your purchase. These include getting a firm handle on your finances, knowing your credit score (and taking steps to boost it if necessary) and familiarizing yourself with down payment options. For more information and tools on home buying and homeownership, visit myhome. freddiemac.
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