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PNC Mortgage Rob Kelly

Know What You Can Afford.

Make Sure You’re Ready

Buying your first home is a big financial step. You’ll want to consider the added financial responsibilities, including things like moving costs, home repairs, landscaping, property taxes and insurance. You should have a steady income, manageable debt and feel confident you will stay in one place for awhile.

Start by assessing your income. Then consider liabilities like student loans, credit card balances and auto loans. Ideally, the amount of your monthly debt payments, including your proposed mortgage payment, should be equal to or less than 36% of your gross monthly income. And remember to budget for a down payment (typically 5% to 20% of the purchase price) and closing costs (usually estimated at 2% to 3% of the purchase price).

 

Robert

Google is making a giant change this week that could crush millions of small businesses – Apr 21/15

Google has made a major update to its mobile search algorithm, the move is causing ripples across the web. Websites not deemed mobile-friendly will be dropped down the search rankings, dramatically reducing the number of visitors to a site. Search engine ranking experts have called the potential fallout from the changes "mobilegeddon". Businesses at risk are those who don’t know about it.

After 21 April 2015, a lot of small businesses are going to be really surprised that the number of visitors to their websites has dropped significantly. This is will affect millions of sites on the web.” Companies spend significant amounts of money and effort to appear high up in Google rankings, with places on the first page of results highly prized. Text that is too small to read on a mobile device, plus links that are too close together, will fall down the mobile ranking list. Most businesses are now getting 50% to 60% of search results from mobile devices. If you’re not ready your search results are going to halved!

How are business
AFFECTED by Mobile?
90%
Take action
from a
search
Defined as call,
visit or
purchase
94%
Have
searched
for local business
Are they finding
your business
first?
57%
Use their smartphones to search daily
Often they search
multiple times
per day

With Homemove.biz your mobile site is FREE. Easily changeable and exportable to work with your other websites.

For more info CLICK HERE or call Clements Clements at 1-877-613-2232