Writing a house offer letter, sometimes called a ‘love letter,’ can help differentiate you from other buyers in a bidding war, humanize your formal offer, and add a personal touch to a real estate transaction. However, it’s important to be aware that a house offer letter can put the home seller in a difficult position regarding fair housing laws. Additionally, a letter may not be enough to win your dream home if other potential buyers have made a more competitive offer. What Is a House Offer...

A title attorney helps to protect your rights as a homeowner by ensuring that your home has a title that’s free and clear. Working with a title attorney helps ensure a smooth real estate transaction. They research legal ownership, correct title defects and file legal documents. What Does a Title Attorney Do? A title attorney can protect your title, review contracts, and provide expert legal advice. They are especially handy to have on your side when there are complex issues or contingencies...

More Key Takeaways: Car safety features have been shown to sharply reduce accidents, including accidents with injuries or fatalities. The safety feature with the most impact on reducing accidents is automatic emergency braking, which is scheduled to be standard on all passenger cars and trucks by 2029. Car safety features may reduce your car insurance costs due to the lower risk of accidents, but they can be expensive to repair or replace. Car accidents in the United States cost $340 billion...

More Key Takeaways: Rising homeowners insurance costs are largely driven by more natural disasters, inflation, and labor shortages. Your rates can also rise because of your claims history, property features, and credit score. Contact your insurer to see whether you qualify for discounts or policy adjustments to lower your rate. If not, consider shopping around to find a premium and policy that works for you. Some states offer last-resort policies that may insure you if no other companies...