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Kimberly Shane

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The Piggy Bank: Haunting Debt

Posted by Kimberly Shane on 2/22/18 6:45 AM

The Piggy Bank: Haunting Debt

Do you know what the two largest consumer debt amounts are comprised of? If you have been paying attention to these Piggy Bank blog posts over the last couple weeks you can likely guess one of them. Americans owe more than $1.3 trillion in outstanding student loans, according to Consumer Reports. They go onto tell us that, it’s “the second largest consumer debt, surpassed only by mortgages”. While a college education can cost as much as a mortgage they vary in ability to manage. 

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Topics: Loans, Finances, Money, student loans, financial, financial security

Simple to Stunning: Bathroom Mirror

Posted by Kimberly Shane on 2/21/18 7:15 AM

Simple to Stunning: Bathroom Mirror

One of these days I am going to do this. Framing my bathroom mirror has been on my list of things to do in the last two places we’ve lived and now again in my current home. It is easy, inexpensive and makes a huge impact on the space! Follow along as I recount Shanty 2 Chic’s steps in updating the boring, builder-grade mirror that can be found in bathrooms everywhere. The best part is, this tutorial uses materials that won’t damage the mirror and aren’t permanent so it works even in rentals- or if you aren’t sure you will love the result. (But how could you not?)

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Topics: Renovate, renovation, restoration, rehab, Renovation Lending

Ken Sadler’s Return

Posted by Kimberly Shane on 2/20/18 7:30 AM

Ken Sadler’s Return

Stockton Mortgage Corporation welcomes back Ken Sadler; he left the Florence, KY office in 2014 and in just 4 short years has decided to return and serve the Florence area alongside senior mortgage banker, Tom Freppon. 

Ken, who is originally from Chicago, moved to Kentucky in 2007. He lives in Union with his wife, Abbey and two sons. He loves living in Kentucky, particularly the Florence area; he says, “Kentucky is a great place to raise a family.” He mentioned the schools as being a big contributing factor and the location of the state itself. You see, Ken and his family love to travel. In fact, once their youngest son, who is now 13, stopped believing in Santa they decided to begin a new family tradition—travelling over the holidays. To date, their favorite travel destination has been New Orleans which they have now visited twice. 

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Topics: Recruiting

Home Maintenance Checklist: February

Posted by Kimberly Shane on 2/19/18 6:45 AM

Home Maintenance Checklist: February

Man! We are busy, as a society! I often feel like I don’t have time to take a breath and then I look at friends of mine and think, “seriously, where do they find the time to____?”. More often than not, the blank in that question is filled in with some sort of deep cleaning or home maintenance activity. But let’s be honest with one another, to be a good homeowner and to save us money and headaches in the future we should be performing preventative maintenance on our homes. When I used to work in hotels, we made sure that all of the guestrooms received preventative maintenance on a consistent basis to catch maintenance issues before they happened. If hotels do that for the complete strangers that stay with them, shouldn’t we for our families?

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Topics: DIY, Maintenance, Home Maintenance

Fall In Love With Your Home

Posted by Kimberly Shane on 2/16/18 4:25 PM

Fall in Love with Your Home

Does anyone else develop crushes on homes? As you stroll through the established neighborhood with its stately homes and towering trees, do you day dream about living in one of these with its squeaky staircase and wooden floors? For me, the charm of an older home and the character it possesses can make my head spin into a fantasy that is miles away from reality. I picture myself lounging in front of the big bay windows, taking in the sun and sipping lemonade. But the reality of the situation is I would likely have the curtains drawn, trying to keep the heat out helping the AC do its best to keep up in a drafty old home. 

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Topics: Home Decor, homeownership, home design, home owner, Home Living

The Piggy Bank: College Talk

Posted by Kimberly Shane on 2/15/18 7:30 AM

The Piggy Bank: College Talk

Discussion of which college is the right fit is often an emotional quest for the student and parents alike. There are so many options, liberal arts school, large research university, small school close to home—guidance counselors talk about finding a school that offers an atmosphere that fits the student and suits their academic pursuits. One aspect of selecting a college that can sometimes be overlooked or kept as more of an afterthought is, how will the costs be covered? Losing sight of the financial consequences of their decisions can leave families of college-bound students scrambling to figure out how they will pay for it all. 

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Topics: Finances, Money, student loans, financing, financial, financial security

Simple to Stunning: Bold Walls

Posted by Kimberly Shane on 2/14/18 6:45 AM

Simple to Stunning: Bold Walls

I have oddly fallen in love with wallpaper. It feels a little like a forbidden love. I grew up in a home where we flipped houses on the weekends which means removing layers of wallpaper and paint from many walls! But the wallpaper that I have a love affair with is not the boring repeated pattern wallpapers, but instead the bold, amazing, glamorous papers that can turn a boring wall into one of art! Let me show you some examples:

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Topics: DIY, Wall art, Home Decor, wall color, interior decor, wallpaper, wall decor, home design

Stockton Grows Its Southern Roots 

Posted by Kimberly Shane on 2/13/18 7:00 AM

Stockton Grows Its Southern Roots 

“North is a direction. The South is a lifestyle.” If that is true, Stockton Mortgage just got a little more southern. At the end of 2017, we added a branch in Maryville, TN, giving us a total of four offices in the state of Tennessee. The folks working at this office nestled in a city flanked by the college town of Knoxville and the Great Smoky Mountains, have embraced their community and its southern style. 

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Topics: Recruiting

What The Wabi-Sabi?

Posted by Kimberly Shane on 2/12/18 8:02 AM

What the Wabi-Sabi?

When my co-worker mentioned the word Wabi-Sabi to me, I immediately envisioned a cute little sushi counter—there is actually a restaurant in Carrolton, KY called Wabi-Sabi, we came to find out—but we are not discussing sushi today. Instead, we are discussing this Japanese tradition that looks at the beauty in imperfection. HGTV published an article that gives us ways to incorporate Wabi- Sabi into our own homes; “celebrat(ing) the imperfect beauty of nature, with all of its natural flaws and blemishes.” To incorporate this as design it, “means saying yes to imperfection, natural objects, texture and unique materials.”

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Topics: Design, Interior Design, Decor, Decorate, Home Decor, interior decor, home design, Home Living

The Piggy Bank: Effects of Student Loan Debt

Posted by Kimberly Shane on 2/9/18 4:00 PM

The Piggy Bank: Effects of Student Loan Debt
               
Today’s topic is something that is near to my heart. Student loan debt has had a significant effect on my life and the lives of many other Americans. In fact, “today, there is a student debt class like no other: about 42 million Americans bearing $1.3 trillion in student debt”, according to Consumer Reports, “that’s altering lives, relationships, and even retirement.” This is found especially true in our industry of home financing, Ryan Ramsey, one of Stockton Mortgage’s top Mortgage Bankers recounts, “I have had many conversations with college graduates, that due to student loan debt, it will be years or decades before they will be able to buy a home.” Obtaining loans to cover one’s education costs is often a decision made early in our adult lives and sadly, as mentioned several times in this series of blog posts, young people don’t have enough knowledge when it comes to their finances to make solid, confident decisions. So, we find that many end up in a situation far from what we imagined—what we trusted, our college education, to give us a better future than that of our parents, leaves us with a large monthly bill and fear of inability to pay. In fact, Consumer Reports shares that many do end up defaulting in their payments, “one in four borrowers are behind in their payments, according to the Consumer Financial Protection Bureau, with an estimated 7.6 million in default.”
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Topics: Loans, Finances, Money, student loans, financing, financial

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