Bob Ramalho

Berkshire Hathaway - Verani Realty

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Bob Ramalho December 22, 2025

What’s Ahead For Mortgage Rates This Week – December 22nd, 2025

The Consumer Price Index was scheduled to be released this week but has once again been delayed, with no explanation provided. This left the unemployment data as the only notable economic release from last week. The data showed that unemployment numbers came in higher than expected; however, this result is somewhat tempered by the fact that the figures are supported by a more limited data set. Even so, it is not a positive sign that unemployment numbers are exceeding expectations under these … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Bob Ramalho December 19, 2025

Simple Ways to Be More Productive While Working from Home

Working from home sounds ideal until distractions, interruptions, and blurred boundaries start to affect your focus. If you are adjusting to a home-based routine, the good news is that a few simple habits can help you feel more organized, more productive, and less stressed. Here are 6 practical ways to make working from home work for you. Set Up a Dedicated Work ZoneChoose 1 spot in your home that is your work area, even if it is a small corner. A consistent workspace helps your brain shift into … [Read more...]

Filed Under: Productivity Tips Tagged With: Home Office, Time Blocking, Work For Home Tips

Bob Ramalho December 18, 2025

The Real Cost of Homeownership, What Buyers Must Know Before They Commit

Buying a home is an exciting step and a powerful wealth building move, but the purchase price is only part of the financial picture. Many buyers focus on the down payment and monthly loan amount, then feel surprised by the ongoing costs that come with owning a home. Understanding these expenses ahead of time helps you buy with confidence and avoid unnecessary financial stress. Your Monthly Mortgage PaymentFor most homeowners, the mortgage payment is the largest recurring expense. This payment … [Read more...]

Filed Under: Home Buying Tips Tagged With: Financial Planning, Home Buying Tips, Homeownership

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Recent Articles

  • How to Prepare Your Home Emotionally Before You Sell
  • How to Create a One-Year Plan After Moving In for Repairs and Upgrades
  • How Garage Size Affects Value More Than You Think
  • What’s Ahead For Mortgage Rates This Week – December 22nd, 2025
  • Simple Ways to Be More Productive While Working from Home
  • The Real Cost of Homeownership, What Buyers Must Know Before They Commit
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