There are legitimate ways to stop payday loans and cancel or pay less, depending on your specific situation. Here are some options to consider:
Negotiate with the lender: You can try to negotiate with the lender to work out a payment plan that is more manageable for you. Explain your financial situation and offer to make smaller payments over a longer period of time.
Consider debt settlement: Debt settlement involves negotiating with the lender to settle your debt for less than the full amount owed. This option can be risky and may impact your credit score, but it can provide relief if you’re struggling to repay your payday loans.
Talk to a Debt Pro: Consider talking to Damon Day about your situation. He’s a talented debt coach that gives people custom plans and solutions based on individual circumstances.
Seek credit counseling: Credit counseling can provide education and guidance on budgeting, debt management, and financial planning. A credit counselor can work with you to develop a plan to repay your debts, including payday loans, and provide support and resources along the way.
File for bankruptcy: Bankruptcy can provide legal protection from creditors and may allow you to discharge or reorganize your debts, including payday loans. However, it’s a serious decision with long-lasting consequences and should be considered only after all other options have been exhausted.
It’s important to note that there is no one-size-fits-all solution for payday loan debt, and the best approach will depend on your individual circumstances. Consider consulting with Damon Day or other debt solution providers to help you evaluate your options and determine the best course of action for your situation.
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
A farmhouse built in 1700 on a 22-acre horse property in Flemington, NJ, is the oldest home on the market this week on Realtor.com®.
Many period details remain in the three-bedroom home, including a walk-in fireplace, wide-plank floors, exposed-beam ceilings, and two staircases. A window seat, arched ceilings, and built-in cabinets can also be found throughout the comfortable dwelling.
Other historic homes to hit the market this week include an affordable abode in Connecticut, a Virginia farmhouse where Thomas Jefferson is believed to have once dined, and a modernized Cape in Massachusetts.
Scroll down for a full look at this week’s 10 oldest homes.
Price: $725,000 Year built: 1700 The ultimate vintage house: Designed for equestrian lovers, this three-bedroom residence sits on 22 acres and comes with a horse barn.
The bright kitchen has wide-plank flooring, an exposed-beam ceiling, and a built-in cabinet. The sunken dining room boasts a walk-in fireplace. There are two more fireplaces found on the main level. The bedrooms are all upstairs and spacious and feature wide-plank flooring.
There’s a screened porch that spans the back of the house, and a tack room, tractor barn, and fenced paddock are included in the sale.
But be forewarned: The listing states the home needs “a little TLC.”
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Price: $710,000 Year built: 1700 The Henry Marshall Garrison: This three-bedroom charmer features many original details, including the hardware, fireplaces, and built-in cabinetry.
The newly updated kitchen has a cathedral ceiling, exposed beams, stainless-steel appliances, and custom cabinets. The cozy living room has a wood-burning stove in the walk-in fireplace. The dining room features built-in cabinets, an exposed-beam ceiling, and hardwood flooring.
Enjoy views from the screened porch or oversized deck. The 1-acre, wooded lot also has a finished barn with a garage and storage space.
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Price: $1,595,000 Year built: 1700 Pretty as a postcard: This enormous spread offers income potential or the opportunity for multigenerational living with five separate living spaces.
The well-maintained main house boasts stone fireplaces, wide-plank flooring, and exposed-beam ceilings. The updated kitchen has a cathedral ceiling, custom cabinets, a spacious center island, and French doors that open to an oversized deck. Ten bedrooms and seven bathrooms can be found throughout the 6,442-square-foot property.
The 30-acre lot also features a two-stall horse barn, expanded bank barn, and carriage barn.
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Price: $899,000 Year built: 1706 Historic registry home: This building is listed on the National Register of Historic Places and features a stone section from 1706 and an addition made in the 1800s.
The well-maintained home offers three bedrooms and many period highlights, including exposed stone walls, a Dutch front door, wood-beam ceilings, and restored hardwood floors. The bright, modern kitchen features stone countertops, a farmhouse sink, and a center island with a prep sink. The cozy living room has a large fireplace with a cooking pot and wood mantel.
The almost 4-acre lot also features a pool, a gazebo, a two-bedroom guesthouse, and a building with a workshop and office.
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Price: $380,000 Year built: 1720 Affordable and adorable: This three-bedroom residence boasts original wide-plank flooring, three fireplaces, exposed-beam ceilings, and many built-in cabinets.
The 2,244-square-foot house features a family room with a cathedral ceiling and wood stove. The cute kitchen has been updated with stainless-steel appliances and a breakfast bar. The three bedrooms and one bathroom can be found upstairs.
The property also comes with a workshop with electricity, heat, and a half-bathroom.
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Price: $925,500 Year built: 1724 Elm Shadow Farm: This modernized, three-bedroom dwelling still features four fireplaces, pine floors, and oversized windows.
The kitchen comes with high-end appliances, an oversized fireplace with a beehive oven, and a butler’s pantry. The family room is surrounded by windows and has an arched, exposed-beam ceiling and hardwood flooring. The primary suite comes with a working fireplace and a walk-in closet.
The 1-acre lot includes a two-car garage with a home office above.
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Price: $339,000 Year built: 1736 Cape Ann Colonial: This four-bedroom home features wide-plank hardwood floors, custom built-ins, and two fireplaces.
The 2,628-square-foot dwelling offers an updated kitchen with many cabinets and stainless-steel appliances. A Dutch door opens to a back patio. The wood-paneled living room, study, family room, and dining room can also be found on the first floor. The spacious bedrooms are all located upstairs, and one even has a built-in office.
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Price: $1,100,000 Year built: 1737 Dunleith Estate:Thomas Jefferson is believed to have once dined in this four-bedroom farmhouse, according to the listing.
Historic highlights of the 4,358-square-foot home include pine floors, custom woodworking, exposed-beam ceilings, dormer windows, and several fireplaces. The updated kitchen features granite countertops, a farmhouse sink, stainless-steel appliances, and a spacious island with a cooktop.
You can enjoy views of the 42-acre lot from the covered porch or back patio with a pergola.
The property includes a two-bedroom cottage, a four-paddock barn, a tack room, and a regulation riding arena.
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Price: $985,000 Year built: 1739 Melding old and new: This three-bedroom Cape is said to be the oldest inhabited house in Stockbridge. It has been thoughtfully modernized over the years.
The 2,432-square-foot abode now offers an ultramodern kitchen with a cathedral ceiling and windows that overlook the private yard. Wood-paneled walls, numerous built-ins, and restored hardwood floors can be found throughout the home. The primary bedroom is on the first floor, and the remaining two bedrooms are found upstairs.
There’s also a studio with heat and custom cabinetry, and the 1-acre lot leads out back to the Housatonic riverfront.
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Price: $1,450,000 Year built: 1744 Built by Peter Wentz: This well-maintained farmhouse features original hardwood floors, custom millwork, exposed-beam ceilings, and five fireplaces with mantels.
The four-bedroom home spans 3,036 square feet of space. The cozy living room has built-ins and a stone fireplace. The family room has an original stone fireplace with a wood stove insert. The updated kitchen offers a walk-in fireplace, butcher block counter, modern appliances, and a coffee nook. The primary suite also comes with a fireplace.
The screened porch features a vaulted ceiling and a pass-through to the kitchen.
The 22-acre lot includes a 6,700-square-foot barn, several outbuildings, and a stocked pond.
When planning for the overall financial security for yourself and those you love, life insurance should typically play a part. This is because the proceeds from a life insurance policy can be used to ensure that dependents and survivors won’t be left with having to pay a debt or other expenses out of their own pockets. These funds can also be used for ensuring that the daily living expenditures of a spouse and children can continue – without those you care about having to go into a financial hardship, or even to change their lives drastically.
If you are in the process of shopping for life insurance – or you soon will be – then several key factors are important to keep in mind. These include securing the right type and amount of insurance coverage, as well as making sure that the company you plan to purchase the coverage through is safe and stable financially, and that it also has an excellent reputation for paying out its policy holders’ claims. One carrier that meets these standards is Primerica.
The History of Primerica Insurance Company
Primerica has been in the business of offering term life insurance that is affordable since 1977. Since its beginning, the company has had a key focus on serving middle America’s “Main Street” families in neighborhoods across the country. Primerica was started by Arthur (Art) Williams, a former high school football coach turned life insurance advisor.
Within just the first few years of operation, the company contracted with Massachusetts Indemnity and Life Insurance Company – and by 1982, the company had gone public and started trading its stock on the NASDAQ market.
The company takes more of an educational approach, and in addition to insurance coverage, it also focuses on educating its prospects and customers. For instance, the company’s complimentary Financial Needs Analysis asks some important questions to pinpoint exactly where an individual or family is on their goals, and then it suggests various financial solutions that fit both their needs and their budget.
There are currently three components to Primerica’s life companies. These include the following:
Primerica Life Insurance Company
Primerica Life Insurance Company of Canada
National Benefit Life Insurance Company
Primerica’s products are offered through independent representatives, many of whom work on a part-time basis. Over time, Primerica has earned numerous awards and accolades, including being named to the 2015 Forbes list of America’s 50 Most Trustworthy Financial Companies. The company has it main headquarters in Duluth, Georgia.
Primerica Life Insurance Review
Today, Primerica is a leading provider of term life insurance in the industry. The company pays out an average of $3.5 million in benefit claims every day – and more than 90 percent of these allegations are paid out within 14 days of the claim being submitted. Currently, Primerica serves more than 4.3 million customers and policy holders.
The company currently has more than $728 billion of life insurance in force. A significant portion of the policies that are sold via Primerica agents are done so using the “Buy Term Invest the Difference” philosophy. This alludes to having clients purchase affordable life insurance, and use the remainder of their funds (that may have been spent on more expensive permanent insurance protection) to invest in mutual funds and other appropriate investments for the client.
Using this concept, Primerica believes that people should look at purchasing life insurance in the same manner that they view buying auto, health, or home owner’s insurance – in other words, maximize the amount of the coverage and invest the difference. Doing so can provide individuals and families the ability to accumulate more money, and in turn, live a stress-free retirement in the future.
Certainly, one of the key advantages of the term life insurance products that are offered through Primerica is the lower rates (as compared to a comparable permanent life insurance policy). While an insured can get a nice amount of coverage for a reasonable rate, especially if they are young and in good health at the time of application, it is important to keep in mind that term life insurance is only issued for a set period, such as ten, fifteen, twenty, or thirty years. Then, once the initial policy has expired, it will be required that the insured renew the policy if they want to keep coverage in force. This, however, will typically be at a much higher premium rate, given the insured’s then-current older age.
However, for those who are seeking a way to cover “temporary” needs, such as the payoff of a mortgage and ensuring that a child or grandchild has enough money to attend college in the future – then a term life insurance policy could be a viable option.
Insurer Ratings and Better Business Bureau (BBB) Grade
Due to its robust and stable financial footing, and the timely way it pays out claims to its policy holders, Primerica has earned high ratings from the insurer rating agencies. This includes an A+ (Superior) by A.M. Best Company, of which less than 20 percent of life companies meet this standard.
Also, Primerica has been an accredited company via the Better Business Bureau (BBB) since January 1, 1980. The company has been provided with a grade of A+ by the BBB, on a scale of A+ to F.
Over the last three years, Primerica has closed out a total of 140 customer criticisms through the Better Business Bureau (12 of which were closed out within the past twelve months). Of the total 140 customer complaints, 77 of them focused on problems with the company’s products and services, 33 focused on billing and collection issues, and the other 30 had to do with advertising and sales issues.
Life Insurance Coverage Offered Through Primerica
Primerica offers straightforward and affordable term life insurance coverage. Many of the policies that are sold by this company offer renewal options, so that the insured may continue coverage once the initial period of the policy has been surpassed.
There are many different ways in which policy holders may structure their insurance coverage through Primerica, as the company offers individual riders and add-ons like terminal illness benefit, waiver of premium, and increasing benefit riders.
Primerica offers value through their unique approach to buying life insurance. Its primary life insurance offerings include the TermNow and Custom Advantage plans. Both options offer guaranteed insurability to the insured’s age 95, as well as a terminal illness benefit, industry leading renewal options, affordable renewal rates, and the flexible use of riders that can help with increasing the coverage and / or better “customizing” the policy to better fit the insured’s needs.
Other Products and Services Available Via Primerica Insurance Company
In addition to term life insurance coverage, Primerica also offers several other products and services that can provide solutions to its clients. These include:
Investments – Primerica offers mutual fund investments so that clients can put away money for the future. In many cases, clients may have the option of either investing a lump sum, or dollar cost averaging whereby they invest a certain amount of money on a regular basis over time.
Auto Insurance Coverage – Primerica offers auto insurance coverage through the Primerica Secure Referral Program. Here, clients can obtain competitive rates in ten minutes or less, and most individuals will qualify for this coverage.
Home Owners Insurance Coverage – As with the auto insurance coverage, the home owners insurance coverage that is offered via Primerica is done through the Primerica Secure Referral Program, which can make it easy for individuals to find out the quote they are eligible for, and to move forward if it is the plan they choose.
Long Term Care Insurance – Primerica also offers long-term care insurance coverage via some of the oldest and most experienced companies in the long term care insurance market place. Having this coverage can help clients to ensure that their other assets and savings are secure and in place for their originally intended purpose.
Pre-Paid Legal Services – While many people may need the services of a lawyer, not everyone can pay the high fees that attorneys are known for charging. With legal insurance protection, though, the playing field is leveled. By having a legal insurance plan, clients can access a plethora of different services, such as will creation, legal consultation, motor vehicle-related benefits, durable powers of attorney, IRS audit assistance, and probate benefits.
Identity Theft Defense – Today, identity theft is the fastest growing crime – which puts everyone in harm’s way when it comes to having their identity stolen. By having identity theft protection, though, if an incident occurs, the client may be covered from a financial perspective, as well as via a long list of other support services.
Debt Reduction / Payoff Solutions – The debt solutions that are offered through Primerica can help individuals and families to get on the road to debt freedom. The Primerica Debt Watchers product allows clients to use the information that is contained in their Equifax Credit Report to put together a simple to understand plan towards paying off their debt. This differs from many of the other debt relief products that are found in the market place today because it doesn’t just limit clients to seeing debts on their credit report, but rather to create an overall plan for becoming debt free.
Also, in addition to the other educational solutions and concepts that may be provided include the following:
High Cost of Waiting
Pay Yourself First
Theory of Decreasing Responsibility
Rule of 72
Power of Compound Interest
Debt Stacking
Being out of debt, and well protected with life insurance and other coverage, can make clients’ lives much easier.
How to Get the Best Life Insurance Rates with Primerica Insurance Company
If you are seeking the best rates on life insurance through Primerica – or from any other life insurance carrier – then it is recommended that you work in conjunction with an independent life insurance agency or broker. In doing so, you can compare different life insurance policies, companies, and premium prices – and from there, you can choose which one will be the greatest for you.
When you are prepared to proceed with finding out the best coverage option for you, we can offer support. We are an independent life insurance brokerage, and we work with many of the best life insurers in the market place today. We can get you all the necessary details needed to make a well-informed life insurance coverage buying decision. We can do so for you very swiftly, simply, and conveniently – all from your computer – and without you having to meet in person with a life insurance agent.
We understand that the process of purchasing a life insurance policy can seem a tad bit overwhelming. There are many different variables and components you need to consider while choosing the right coverage for your needs. But there is good news. This process can be so much easier when you are working with an ally on your side who can point you in the right direction. So, contact us today – we’re here to help.
While renovating an entire house is a massive headache project, it’s actually the final details that will have a lasting impact. With the holidays around the corner, I’m working overtime to make our house feel as finished and as cozy as I can (even though we’re still a long way from complete – this is the house that will never end, I swear!). One way to help a space feel finished is with drapery. When looking at the work of interior designers have you ever noticed how often rooms include window treatments? All the time, right?! That’s because drapery can serve as a dramatic design statement. They can tie a room up with a chic bow.
But custom window treatments can be an intimidating thing. I’ve certainly never purchased them before (a piece of fabric and a rod from Ikea doesn’t count!) That’s why I turned to The Shade Store to help me figure it all out. While you can shop The Shade Store online, I’m lucky that there’s a Shade Store showroom in San Francisco – it’s certainly place to get inspired – it’s rather purdy.
There are a lot of options to consider when it comes to drapes. There’s the style of window treatment – roman shades, blinds, drapes – different types of folds, different options for hanging, all kinds of finials. And we haven’t even talked fabrics yet! If you love customization, you’ll be a kid in a window candy store in this place.
Thankfully, The Shade Store has their own in-house designers that can help you navigate all of these options. The process is actually quite fun. It starts by getting professional measurements of your windows – something that the Shade Store arranges for you. With those in hand, The Shade Store can create mockups of your rooms and help you cherry pick the perfect designs. With new fabric collections from designers ranging from Jonathan Adler, Kate Spade New York, Jeffery Alan Marks to Diane Von Furstenberg and the Novagratz, you can really get creative. While neutrals are certainly my comfort zone, you can actually use drapery to inject some print, texture or even color (gasp!) to a room. Decisions, decisions.
Did you spy that sexy Kate Spade New York stripe sneaking its way into my fabric samples?!
I’m so excited for my final selections to arrive. They’re going to be the perfect touch to make our rooms feel warm and inviting for the holidays. While I’d never claim to be a window-treatments expert, I did pick up a few key basics about classic drapery from The Shade Store that I thought would be helpful to share.
1. Maximize the Height. Drapes can actually make your ceilings feeling taller. Classic placement is half way between the top of your window and the ceiling – but you can go all the way up to the ceiling if you like the look!
2. Pick Your Fold. Ripple, pleats, invert pleats, grommets, rod pockets. There are all kinds of options for how your drapes will drape, but the Tailored Pleat is a timeless, sophisticated option that is equal parts traditional and modern.
3. Take a Risk. It is easy to just pick a basic fabric and call your decision making done. But don’t overlook the extra details you can use to make your window treatments pop. While you might not see a crazy print in our house, I love the idea of a contrast border to create
4. Go Low. You want to make sure drapes graze the floor. Some people like a puddle look, but that’s very dust bunny friendly. Measure to 1/2 – 1/4″ off the floor to get that long extended look that isn’t too puddled.
Check out the progress on the rest of our house RIGHT HERE.
original photography for apartment 34 by delbarr moradi, inspiration pic 1, pic 2 , pic 3
Save more, spend smarter, and make your money go further
Tips to help turn those homebuying dreams into reality.
From outstanding credit card debt to massive student loans, financial difficulties are barring more and more millennials from becoming homeowners. While the vision of buying a first home may seem hopelessly far away for many, there are strategies and tools like Mint’s home affordability calculator that are available to make it happen. These expert tips can help turn those dreams into reality.
Tips for Saving Money
Consider replacing plastic with cash
One excellent strategy for saving money is to spend two weeks (or a month, if you’re feeling ambitious) paying for everything in cash. It’s easier to rack up debt when using credit cards because the deductions are all digital. When handing over cash, you physically see and feel the money leaving your wallet. Using cash can help train your brain to associate your spending habits with actual money being spent, and it’ll inspire you to start holding onto it.
Consolidate debt
Multiple debts can feel paralyzing. The trick is to start attacking the smallest balance first. Paying more than your minimum required payment and making more frequent payments can save on interest for that balance and offer some stress relief. Once you’ve decimated that debt, start applying the same strategy towards the next smallest balance. Rinse and repeat.
Make budgeting a game
One way to make budgeting more tolerable is to turn it into a game. Challenge yourself to only spend a certain amount each week on, for example, takeout. The key is to try to hold yourself accountable for every dollar you spend.
Watch automatic deductions
Many conveniences are automatically deducted from bank accounts annually and monthly, especially for millennials. Services like Netflix, Amazon Prime, gym memberships, and phone bills can drain your bank account — but they don’t have to. First, make a list of all your automatic deductions. It might be shocking to see all of them all added up. Next, decide how many of them are necessary or benefit you. Cutting even one service out can start to make a difference.
Tips for Saving on Homeowners Insurance
Add security features
A great way to cut down on your homeowner’s insurance premium is to install an alarm system or other security features in your home, There are plenty of affordable systems on the market these days, including custom design options available from SimpliSafe. Decreasing the risk of burglary will give you peace of mind and a noticeable break on your insurance bill, too.
Share your space (and rent)
Being a homeowner doesn’t have to mean paying for an entire house by yourself. Besides buying a two-bedroom apartment, other options exist for sharing a home and cutting down on costs. Planning to rent out a room in your home is an easy way to throw extra money at your premium each month. Some new homeowners also choose to split a duplex with another tenant, rather than buying a single-family home.
Buy new
Newer homes may come with bigger price tags, but they also have the advantage of cheaper insurance. New buildings pose less risk for insurance companies, so premiums are lower. Although that 1972, recently renovated house looks charming and like-new, be sure to weigh the cost over time versus a more recent build. Things like plumbing and a new roof may have been overlooked during the renovation and both of these can come with big price tags.
Shop smart
Working with an experienced independent insurance agent is the best way to save money on homeowners insurance. An agent knows how to shop the market and find the best deals for you, as well as tricks to lower your premium even further. They can also hook you up with a policy that meets your unique needs.
Save more, spend smarter, and make your money go further
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Homie has partnered with Concord Homes, a premiere Utah-based builder. Concord Homes are truly a step above in both build quality and standard of service. Their principle of “custom within reach” speaks to Concord’s emphasis on providing value to each of their customers. In fact, we’ve heard the phrase “most bang for your buck” around the Homie water cooler more than once.
Here are five reasons why we love Concord Homes
1. Quality
By working with experienced contractors, Concord has quickly established a reputation in Utah for excellent build quality and top tier service, from start to finish. Even their base models tend to exceed other new builds when it comes to house features.
2. Variety of Builds
Concord Homes offer floorplans for all types of home buyers: townhomes, rambler homes, parade homes, and more! Concord also works with homeowners to renovate interiors and basements. There’s truly something for everyone at Concord Homes.
3. Emphasis on Space
Concord homes feature tons of unique storage space including wall shelving, basement storage, and lots of closet and cabinet space. They really understand how easily cluttered a home can get and ensure that each home has ample space for all your storage needs. Lastly, they get that storage space needs to be both functional and stylish.
4. Built for Community
Many of Concord’s builds are located in inviting communities that include pavilions, walking paths, pools, clubhouses, pickleball courts, and golf courses! Concord communities are the perfect place to raise family and build community.
5. Commitment to Building Green
Concord has introduced BamCore, their sustainable bamboo-based wall system, making them the first builder in Utah to embrace this responsible new framing system. BamCore is made of hollow timber bamboo that is processed in a low energy way and without heat, water, or chemicals. Aside from having the lowest possible carbon footprint for building materials, it’s incredibly strong and high performing.
Considering a new build? Browse Concord’s beautiful country townhomes on the Homie Platform. Tour them with a Homie agent and keep up to 50% of the buyer commission at closing!
Homie and Homie Loans have a business relationship in that all are owned by the same persons. Legal Terms & Policies. Savings calculations based on difference between 3% listing agent commission and Homie’s low listing fee. Savings, commission, and timing may vary.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
What does it mean when your right hand itches?
It’s just a little scratchy, but it hurts to touch. That probably sounds familiar if you’ve ever had an allergy or hives on your skin.
But what does it mean when the right hand starts itching? And why do some people think that scratching for more than 20 minutes helps relieve the itchiness?
Right hand itching questions stem from the same reason people ask about left hand itching.
Did you know…Itchy right hands are a common superstition that is thought to bring good luck.
There are many different explanations for why this might be the case, but most people believe it has something to do with the fact that an itchy right hand is usually a sign that good things are coming.
If you’ve ever wondered what the top 13 most popular superstitions related to right hand itching and money are, this list is here to answer your question.
What is the superstition about a right hand itching money?
The superstition of an itchy right hand has many different interpretations.
One interpretation is that it means you will receive money soon. Another interpretation is that it means someone is talking about you behind your back. Overall, the belief is wealth is in your future.
Right Hand Itching Meaning
Right hand itching is an unexplained itch on the right side of the hand. It’s often believed to be one of the medical diagnoses of itchiness.
Most people experience right hand itching at some point in their lives, and it can be a sign of something more serious.
There are many possible causes for right hand itching, including dry skin and allergies. But most cases don’t have a clear cause or solution.
That is why so many people there must be luck with right hand itching and money – or even the lottery!
Origins of the Right Hand Itching Superstition
The right hand itching superstition is a belief that the hand that writes or types with the left hand becomes itchy. It likely originated from an ancient practice of scratching one’s head to relieve an itch on the opposite side of the head.
There is no evidence to support this superstition, and it likely originated from an ancient practice of scratching one’s head to relieve an itch on the opposite side of the head.
The superstition may have been passed down through oral tradition and then written down.
Possible Meaning of Right Palm Itching
Right palm itching is a common phenomenon that has been etched into history and folklore. Many people attribute this itch to an ancestor or someone in their family who passed away.
What does it mean when your right palm itches?
Right palm itching is a common phenomenon that has been etched into history and folklore. Many people attribute this itch to an ancestor or someone in their family who passed away.
1 – True Medical Cause
First of all, I’m not a doctor, so you much have any serious itching checked out by a medical professional (they are good at their jobs).
If you are finding that your right hand is itchy and uncomfortable, there are a few things to consider and take medical action.
Here are some thoughts:
If the itchiness persists for more than 24 hours, then this could be a sign of an infection.
If the discomfort is caused by a skin allergy, then you may be experiencing symptoms of an allergic reaction such as swelling or hives.
Hint…this is why going to the doctor can be helpful to help you figure it a true diagnosis.
2- Something Causing you Stress
When you have right palm itching, it can mean that you’re feeling overwhelmed or stressed.
It could also be a sign that you’re not taking care of yourself properly.
When you have right palm itching, you need to uncover what is causing the stress in your life. This might be because of work pressures, relationship problems, or some other issue.
You might feel overwhelmed and stressed if this continues unchecked. Taking care of yourself by getting enough rest and exercise can help to relieve the itchiness.
3 – Belief in the Possibilities of Money Coming to You
Right hand itching has been a sign of wealth, good luck, and the arrival of visitors since ancient times.
If you are experiencing itchy hands, rubbing your left one on your right is said to bring more wealth and fortune into your life.
Just like with positive money affirmations, there is truth to believing in the power of the mind to overcome your realities.
Right Hand Itching and Lottery
Right hand itching is a term used to describe an annoying and persistent sensation in the right hand. It’s often referred to as a “lottery” because it can be difficult to determine what’s causing the itch.
Nevertheless, some people believe that there is a connection between an itchy right hand and the winning lottery numbers.
There are several news stories of people who won the lottery shortly after having an itchy right hand. However, there is no scientific evidence to support this claim.
What are some of the 13 popular superstitions?
Superstitions are common beliefs that help people make sense of the world.
When it comes to money and wealth, naturally people want to gravitate to anything that will help their situations.
Here are some of the most common superstitions and their associated explanations.
Friday the 13th
Friday the 13th is considered an unlucky day by many people.
This superstition may have arisen from a number of different things, such as the number thirteen being associated with bad luck.
For example, some people avoid traveling on this day, but others believe that traveling is a great way to avoid any bad luck. Additionally, some people believe that it’s bad luck to buy a lottery ticket on Friday the 13th, while others think that this could bring them good luck.
Whatever the reason, many people believe that Friday the 13th is an unlucky day. However, many believe that if you take action and are proactive about your day, you will receive good luck or fortune.
Breaking a mirror will give you seven years of bad luck
This superstition is based on the belief that breaking a mirror will release the bad luck that has been trapped within it. The story goes that if a woman breaks her mirror, she’ll have bad luck for the next seven years. If a man breaks his mirror, he’ll have bad luck for the next seven years and also be unable to see himself in mirrors.
This superstition may originate from ancient beliefs about witches and their ability to cast spells by using objects such as mirrors. It’s possible that people believed that breaking a mirror would release all of the negative energy associated with the witch’s spell.
Today, this superstition is still popular and often used as an excuse to break mirrors without really understanding why!
Unlucky to walk under a ladder
There are many superstitions surrounding walking under ladders, but the most common one is that it’s unlucky. This superstition is based on the idea that a ladder is a sign of bad luck.
The belief is if you walk under a ladder, you’ll be cursed and will have problems throughout your life.
There isn’t much evidence to support this superstition, but it’s still widely accepted.
Many people believe it because they’ve heard it from their parents or grandparents and don’t want to risk offending anyone. If you’re worried about crossing under a ladder and causing bad luck, simply avoid doing so!
Alternatively, you could try saying “good luck” as you walk underneath it to ward off ill fortune.
Knocking on wood will keep you safe
The idea is that the sound of the knock will send a message to the gods or spirits who live in the wood, asking them to keep
There’s no scientific evidence to support this superstition, but many people continue to do it anyway because it makes them feel good. For many right hand has a spiritual meaning.
So, whether you believe in it or not, there’s probably some truth to the saying “knocking on wood.”
Horseshoes are lucky charms
There are many superstitions surrounding horseshoes, but the most popular belief is that they are a lucky charm. People believe that throwing horseshoes will bring good luck to the person who catches them.
Horseshoe tossing is a centuries-old tradition in many countries and has been linked to both physical and spiritual health benefits. Playing a game of horseshoes is easy on the body and provides benefits with social interaction.
Another theory suggests that hanging horseshoes in the “U” position will keep out evil from the house where it is hung. By decorating your door with a horseshoe in the U position, you are keeping your home free from negative energy which can have a positive impact on their lives and attract good luck to the house.
Wearing a white ribbon around your neck
People in the United States and other countries wear a white ribbon around their necks to protect themselves from illness and danger.
The ribbon is a symbol of peace and purity.
A penny found on the ground is good luck
Some people believe that if you find a penny on the ground, it means good luck for the day.
This superstition is based on the belief that money is associated with both happiness and good fortune.
In fact, one gentleman collected all the pennies he found for 45 years and ended up saving over $5000! (source)
Throw salt over your left shoulder and on the floor
It is said that throwing salt over your left shoulder will protect you from bad luck.
The superstition is said to originate from the ancient Egyptians who believed that the left side of the body was associated with the dark side of the moon. To avoid bad luck, they would throw salt over their left shoulder with their right hand to cleanse themselves.
Bad luck to open an umbrella indoors
Opening an umbrella inside is considered bad luck because it can bring rain indoors.
This superstition likely originated from the belief that opening an umbrella will cause the wind to change, which in turn will cause rain.
Crossing your fingers when you make a wish.
The superstition of crossing your fingers when you make a wish is a result of the Latin word meaning “to shut the hand.”
In ancient Roman times, it was believed that making a wish with your open hand would allow the bad luck you were wishing for to enter your house. So instead, you crossed your fingers.
The custom has become so popular that it’s even found its way into our society.
Putting money in an egg carton to bring money in the future.
They say that the egg carton is like a time machine and that when you break the egg and the money falls out, you are telling the universe that you want to receive that money.
Others believe that putting money in an egg carton will bring you good luck.
This is a very simple thing for people to do.
Sneezing Means Death
When someone sneezes with their right hand, it is thought that the devil will enter their body through their nose and they will die soon. There are many superstitions surrounding sneezing and they vary by culture.
Another thought people believe that if you sneeze, it means someone is talking about you. It is said that a sneeze is a “passing of the wind” and that the wind carries the words “bad news” to the person who is sneezing.
Right hand itching is one of the 13 popular superstitions. There are many beliefs on what it means when your right hand itches, but the most popular belief is that it means good luck is coming your way. To ensure a good night’s sleep, some people say “Blessed are the meek” before bedtime.
Saying “Blessed are the meek” before bed
Some superstitions include saying “Blessed are the meek” before bed to ensure a good night’s sleep.
This is because people who are meek often have less stress in their lives and are less likely to have anxiety or depression. Saying this before bed will help you get a good night’s sleep, which will help you have a better day.
Just like starting with a billionaire morning routine, this is something simple to do to ensure a great day!
What is the superstition about an itchy palm?
There are a few different superstitions about an itchy palm.
One is that it means you will receive money soon. Another is that you will be going on a journey.
And finally, some believe that an itchy palm means that someone is talking about you.
Right Hand Itching and [Bad Luck]
Some people believe that right hand itching is caused by bad luck or misfortune, so they try to avoid situations that might trigger it (like trying to play the lotteries).
Others think that scratching the itch will make it go away, but this isn’t always true. In fact, scratching can sometimes make the itch worse.
What are the different interpretations of this superstition?
There are a few different interpretations of this superstition.
One is that it means you will receive money soon.
Another is that it means someone is talking about you behind your back.
And finally, some believe that an itchy right hand means you should be on the lookout for danger.
How to improve the luck further?
There are many ways to improve your luck further, and some of these include doing things that have been traditionally associated with luck.
Here are specific things to try:
Avoid unlucky days and times.
Keep a positive attitude throughout the day.
Wear prosperity bracelets.
Carry a good luck charm with you.
Dress in lucky symbols.
Follow the same routine when you found success.
Pick up pennies that are head-side up.
Don’t let negatively affect you
There are also a number of simple tips you can follow to increase your chance of success, such as staying organized and disciplined in your work, avoiding distractions, and setting realistic goals.
Is it a Fortune, Lottery Number, or just a Symptom of Itching Palms?
The best way to deal with right hand itching is to identify its cause and treat it accordingly. If you cannot identify its source, you may want to consult a doctor for further testing or treatment options like prescription medications.
If the doctor cannot find a medical cause of your right hand itchiness, then start tracking when and where your itchiness occurs.
Then, you can easily prove your right hand itchiness wasn’t from blisters, nerve disorders, or something else crazy.
Your truth will be the decision on whether your right hand itching was from money coming your way or a medical disorder.
If you are looking for believable excuses to miss work, then scratch your right hand to your left to come into instant cash.
Know someone else that needs this, too? Then, please share!!
A restored 1725 farmhouse in Falmouth, ME, is the oldest home on the market this week on Realtor.com®.
The property also comes with an accessory dwelling that’s “waiting for you to complete,” according to the listing. The spacious estate offers lots of period charm and character, as well as expansion possibilities.
Other homes to hit the market this week include a restored Cape in Massachusetts and a saltbox in Connecticut featuring many original details.
Scroll down for a full look at this week’s 10 oldest homes.
Price: $1,990,000 Year built: 1725 Family farmhouse: This farmhouse with an accessory dwelling on 23 acres is an ideal setting for a large family.
The four-bedroom home features restored hardwood floors and built-in cabinets. A two-story, sunken living room is surrounded by windows, and the kitchen offers a fireplace and exposed, wood-beam ceiling. There is also a fitness room with a sauna, a new deck with a hot tub, and an outdoor pool.
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Price: $985,000 Year built: 1730 Cute Cape: This post-and-beam construction boasts many historic details, including a stone fireplace with a beehive oven and wide-plank wood floors.
A renovation in 2006 opened up the great room with its dramatic wall of windows that overlook a natural duck pond. The formal living room has wood-paneled walls, built-in shelves, a walk-in fireplace, and an exposed-beam ceiling. The main-level primary suite features a custom dressing closet.
The 1.5-acre property includes a two-story barn with a heated office/yoga studio, potting shed, and detached garage.
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Price: $550,000 Year built: 1731 Recently renovated: This cute Cape was recently renovated with custom millwork and leaded glass windows throughout its 1,903 square feet of living space.
The delightful domicile features three bedrooms and three full baths. Details include coffered ceilings, restored hardwood floors, fireplaces, and built-in shelves. The main-floor primary suite has a walk-in shower, and the two bedrooms upstairs come with a beautiful bathroom with marble flooring.
The home, which is just minutes from Nemasket River, is pending sale.
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Price: $545,000 Year built: 1734 The Cummings House: Highlights of this historic home include original paneling, milk-glass light fixtures, and three fireplaces.
Restored hardwood floors, including wide plank, can be found throughout the 3,754 square feet of living space. The five-bedroom home features a living room with wood-paneled walls, an exposed-beam ceiling, and a wood-burning stove. A cozy kitchen with a wood-burning stove was recently updated with granite countertops and a center island.
A sun-filled family room overlooks the private backyard of the 4-acre lot.
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Price: $495,000 Year built: 1735 The Millers House: This adorable, two-bedroom abode has been thoughtfully modernized and expanded.
The 1,096 square feet of living space boasts period details such as original doors, restored wood floors, and built-in cabinetry. The living room comes with a gas fireplace, and the updated kitchen has an exposed-beam ceiling, quartz countertops, and stainless-steel appliances.
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Price: $1,175,000 Year built: 1739 One of the oldest homes in Amherst: This well-maintained home has been carefully modernized.
The four-bedroom house features two fireplaces, hardwood floors, and crown molding. The living room comes with a fireplace and bookshelves, and the dining room opens to a brick patio. The updated kitchen still features wide-plank floors and an eye-catching wood ceiling.
A back staircase leads to a reading nook that is said to be part “of the original Asa Adams Farm,” an inn from the 1700s, according to the listing.
The 1-acre lot comes with a two-bedroom guesthouse and pool.
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Price: $549,900 Year built: 1740 Charm galore: This three-bedroom home still has many period details, including three fireplaces, wide-plank floors, and two staircases.
The 1,637-square-foot home also has two front parlors with fireplaces, and an additional room found on the main floor could be transformed into a bedroom.
The 3.6-acre property includes a barn that was the former home of Sundial Gardens tea garden.
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Price: $599,900 Year built: 1740 The Tavern House: This beautiful antique overlooks the Nanticoke River and still features the original blue-gray paint on the front staircase.
The waterfront property boasts original wood floors, moldings, and trim. Fireplaces can be found throughout the 3,426 square feet of living space. The updated farmhouse kitchen now offers a wood-burning stove, granite countertops, and custom cabinets. An original icehouse has been transformed into a pantry.
Enjoy views of the pool and outdoor kitchen from the enclosed side porch or back deck. The property also comes with a deeded boat slip across the street.
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Price: $1,285,000 Year built: 1741 New England saltbox: This renovated residence features three fireplaces, wood paneling, and lots of built-ins.
The updated kitchen has a vaulted ceiling with exposed beams, wide-plank flooring, custom cabinets, and stainless-steel appliances. The dining room features a walk-in fireplace with two Dutch ovens. One bedroom can be found on the first floor, with two more upstairs.
Featuring beautiful landscaping, the property also comes with a heated pool, detached garage, and one-bedroom guesthouse.
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Price: $589,000 Year built: 1743 Comfortable Cape: This 1,953-square-foot home features a comfortable family room with wide-plank wood flooring, an exposed-beam ceiling, a wood-burning stove, and built-in cabinetry. The formal living room and the wood-paneled dining room each feature a fireplace. Three bedrooms can be found upstairs.
A three-season room overlooks the backyard, which includes a bluestone patio and built-in fireplace. The property is pending sale.
Save more, spend smarter, and make your money go further
Being a homeowner comes with a steep learning curve, and many first-time homebuyers struggle financially in their first year of owning a home. After years of saving for a down payment, they are blindsided by the extra expenses that come with buying and owning a house. It’s frighteningly easy to exhaust your cash reserves before you even move in.
Misunderstandings about the costs of owning a home can push people even further into financial distress. You can avoid a lot of this trouble by doing your research and determining how much house you can actually afford. Develop a sample budget to help you prepare for the cost of homeownership and the expenses that come along with it.
Hidden Costs of Homeownership
Here are some expenses prospective homeowners often forget to consider while they are shopping for a new place to live. Keep these figures in mind as you set your budget for a home.
Utilities
If you’re used to paying for utilities and other costs of living as a renter, it can be tempting to think that homeownership won’t alter your budget significantly — especially if your estimated mortgage payment will be less than what you’ve been paying for rent. However, your new home may use substantially more electricity and gas than an apartment, townhouse, or smaller rental house. Plus, your monthly rent may have included utilities like water or internet.
Mortgage Payment
Each month, most of your mortgage payment will go toward your principal and interest. However, you’ll also pay additional expenses such as property taxes, homeowners insurance and mortgage insurance. Insurance companies assess these expenses annually, but your lender will collect the fees each month with your mortgage payment and hold the funds in escrow. If you choose a home in a neighborhood with a Homeowners Association (HOA), you’ll also have HOA dues to include in your budget.
Furniture and Decor
New rooms could mean new needs. When you buy a house, the furniture you used in your rental may not be a perfect fit for your new home. Paint, curtains, furniture, and other decorative items can personalize your new home but can be a strain on your budget. If the thought of all new furniture and decor is overwhelming, choose one room to finish at a time.
Lawn Care
As a first-time homeowner, you may find yourself with a whole new set of outdoor responsibilities — mowing grass, trimming hedges, and keeping weeds at bay. If you buy a home in a neighborhood with an HOA, you may face strict lawn care standards. Whether you choose to do it yourself or hire a service to take care of it for you, lawn care can get expensive. If you go the DIY route, you’ll need to purchase equipment and supplies to get the job done, such as:
Lawnmower
Weed-eater
Hedge trimmer
Weed killer
Fertilizer
Grass seed
Pest control products
If you hire a company to take care of your lawn, expect to pay between $100 and $200 per month for basic care.
Renovations
Once the excitement of buying a new house starts to subside, your focus may shift to how your new home meets your needs. Unless you built a home with custom options, you may eventually want to update or renovate.
Renovations are becoming increasingly common among first-time buyers. According to a 2017 study by Houzz, first-time homebuyers spent an average of $33,800 on home renovations in 2016 — up 22% from 2015. Among all homeowners surveyed, the greatest motivating factor for renovating was a desire to customize their home.
Maintenance and Repairs
Maintenance and repairs can be a major budget killer for new homeowners. Many first-time homebuyers overlook the age of the roof, exterior paint, AC unit, and furnace when they buy a home. Even if you buy brand-new construction, you should begin saving for necessary maintenance updates and unforeseen repairs.
Don’t exhaust your savings to purchase your home; keep some money aside for necessary or unexpected repairs. Some financial experts suggest saving 1-4% of the home’s purchase price each year, depending on the age of your home.
Your homeowner’s insurance should cover damage due to fire or weather, but you’ll still need cash to cover the deductible, which could be anywhere from $200 to $2,000, or more. If you’re concerned about having enough cash on hand in the event of an emergency, look into plans with a higher monthly premium and a lower deductible.
A Sample Budget for Your First Year of Home Expenses
The price for a starter home will vary widely depending on where you live. Looking at average starter home prices around the country and landing somewhere in the middle, here’s a sample budget.
The following sample budget is an example of what your monthly home-related expenses would look like if you purchased a $200,000 home with a 5% down payment. For this sample, we used an online mortgage calculator and the average 30-year fixed mortgage interest rate of 5.10%.
Mortgage Payment
Monthly mortgage payment: $1599
Utilities and Lawn Care (based on national averages)
Gas
$82
Electricity
$183
Water
$40
Sewer / Garbage
$20
Internet / Cable
$147
Lawn Care
$150
Monthly utilities expense:$622
Recommended Maintenance/Repair Fund
Repairs/ Maintenance
$4,000 (based on 2% of purchase price)
Monthly repair/maintenance savings: $333
For this sample budget, your expenses would work out to $2,554 per month. That’s nearly $1,000 more than your monthly mortgage payment.
The Takeaway
Don’t make the mistake of asking how much house you can buy — instead, examine your income and projected expenses to figure out how much you can afford. If you’re buying a home with a spouse or significant other, be sure you’re on the same page.
An experienced real estate agent is an excellent resource. Ask lots of questions: inquire about the home’s roof and exterior, as well as appliances and heating or cooling systems. Your agent can also request information about HOA fees and utility usage from the seller.
For more information on home buying and selling visit Owners.com.
Save more, spend smarter, and make your money go further
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If you’re in tech in Utah, you probably already know Lehi. As the home of industry giants Adobe, Ancestry.com, Workfront, SirsiDynix, IM Flash and other large, small and up-and-coming firms, Lehi has grown from bedroom community to destination location for families looking to be in the center of the action.
Just south of Point of the Mountain, Lehi’s family-friendly lifestyle gives residents quick access to recreation, quaint restaurants, ample shopping and a perfect place to call home. Plus, its center-of-the-valley location means you’re never far from anything.
Considering a home in Lehi? Here’s what you’ll find.
Small town charm with top amenities
Lehi is growing— and fast— but it still retains the small town charm that drew families to it in the first place. Want a peek at what Lehi used to be? Take a drive by Lehi Roller Mills; if it seems familiar, that’s because this still-working mill was the set for the original Footloose. Just a few blocks down Lehi’s Main Street and pop into Paper Crush for a DIY custom day planner and other party supplies or grab a burger and old-fashioned shake at Porter’s.
If a wedding is in your future, Flowers on Main is your stop for fresh-cut beauties and handmade leis, which are great accompaniments to the custom dresses at Gowns by Pamela.
Family game night goes all out at Gamers’ Inn, where you can try games before you buy them or join in with a group to play your favorite board games. Sweeten the day with treats from Lehi Bakery, where the donuts are square, and cupcakes at the Little Cake and Dessert Shop.
If community events are more your style, attend Lehi’s annual Round-Up celebration and rodeo each June and mark your calendar for the carnival-style Foam Day in July. (Why the name? Because before the activities end, everything is covered in soapy foam.) And October wouldn’t be complete without a visit (or two!) to Cornbelly’s, where attendees can get lost in an old-fashioned corn maze —haunted or not—and test their punkin’ chunkin’ skills before settling in to make DIY s’mores.
Walkability/Drivability and Livability
Don’t work in Lehi? Not a problem. Your average commute will still only be 23 minutes, or you could hop on FrontRunner to take the train to Salt Lake, Provo, Ogden and points in-between.
When you return home, it’s a quick walk, drive or bike ride for a bite to eat. Depending on the direction you prefer, both Tsunami and Jimmy Johns are both highly accessible, thanks to the Murdock Canal Trail, a 17-mile paved trail that runs parallel to an unpaved equestrian trail, and connects seven communities in Utah County.
If your destination is a dream home with all of the modern amenities, Lehi is your place. Thanks to the tech corridor, most homes in Lehi were built since 2000 and have all of the amenities homeowners are looking for. Best part: home values in Lehi average $266,300 and climbing, which makes a home in Lehi a smart investment but still affordable. Check out the homes for sale in Lehi on Homie for current availability.
Get out and play, nature’s way
Flanked by Thanksgiving Point to the West and Mt. Timpanogos to the East, Lehi’s access to the great outdoors means you can play hard by day—regardless of your preferred activity.
Take in a round of golf at Thanksgiving Point’s championship course or Frisbee golf at Dry Creek Trail Park, the city’s first disc golf course. You can also run, bike or walk the 17 miles of the Murdock Canal Trail or cool off at the city pool.
For a high-flying adventure, Flight Park State Recreation Area, accessible from Minuteman Drive, has facilities to help you get your hand glider, paraglider and model airplanes in the air.
And for a quick reminder of Mother Nature’s brilliance, Mt. Timpanogos looms just 10 miles east, where you can tour the cave, go for a hike hiking or have a quiet picnic.
Indoor fun
Shopping anyone? Traverse Mountain’s diverse stores include something for everyone, whether your style is H&M, Michael Kors, Quicksilver or Coach. And there’s Cabela’s, where you’ll find everything you could possibly want to feel at home in the great outdoors.
Across the highway are the restaurants of Thanksgiving Point, including Harvest Restaurant, known for its locally-sourced ingredients and fresh take on lunch and dinner. Top off the day by visiting the Museum of Ancient Life or Museum of Natural Curiosity, and the requisite trip to the Ice Cream Shop for an old-fashioned float—with bubblegum ice cream, of course.
Nightlife for everyone
Don’t expect the carpet to roll up at sunset. Evenings are a great time to catch a box office favorites at the Megaplex. In summer, Sundays end with a serenade from some of the best local talent at Wines Park. Or catch a nightcap at Scorez Sports Bar or Buffalo Wild Wings, both prepped for late-night fun.
Want to find your place in Lehi?
If Lehi sounds like the perfect place for you to call home, the Homie team is here to help. You can start the process by browsing through the current homes for sale in Lehi and click “Schedule a Tour” whenever you’re ready to get a closer look. When the time is right, Homie will help you create an offer, answer questions and secure your financing—and Homie’s services for buyers are completely free. You’ll find more details in our Buyer package.