Home > Author Archives: Kim Parr

Author Archives: Kim Parr

Kim Parr is a private practice optometrist, freelance writer, and personal financial blogger. You can follow her journey to 20/20 financial vision at Eyes on the Dollar.

Housing Prices in Southwest Colorado

House on 3 acres for $290,000

  Since real estate is one of my favorite topics, I couldn’t miss the chance to add my two cents along with some other recent blog posts about how much house you can get for $150,000, $250,000, or $1 million. Make sure to check out these other areas if you missed them. Portland: Frugal Portland New York: Broke and Beautiful Life Denver: Shop My Closet Project Silicon Valley: Don’t Quit Your Day Job New Jersey: Red Debted Stepchild Central Indiana: Club Thrifty Aukland: NZ Muse Guatemala: Reach Financial Independence Colorado Housing Prices Southwest Colorado is a bargain in my opinion. That’s one reason why we live here. It’s rural, so if you’re looking for big city excitement, it’s no where to be found. You can, however, enjoy an outdoor paradise with mountain or desert terrain. Take your pick or do both on the same day if you’d like! With the money we save by living here, we can take a weekend road trip to the city when we feel the need. Denver, Phoenix, Albuquerque, Las Vegas, and Salt Lake City are all less than 8 hours away, and we can be in LA in 12 hours. Colorado is all over ...

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6 Steps To Complete Before Applying For A Loan

do these things before applying for a loan

While avoiding debt is important for building wealth, there are many instances when applying for a loan might be beneficial. When purchasing a house, car, or completing a home remodel, it is often advisable to finance rather than spend large amounts of cash that could be invested at a higher return or saved for emergencies. Whether you live in the United States, a European country, or Australia, many of the same rules apply and can help secure the best interest rates and loan terms. Here are 6 steps to complete before applying for a loan. 1)Check Your Credit Report Like it or not, loan interest rates and the ease of obtaining financing depend on having a good credit report and FICO score. Make sure there are no errors or credit issues that might send up a red flag to loan companies. You can get a free copy of your credit report at annualcreditreport.com 2)Pay Off Consumer Debts Paying off the balances on credit cards or revolving accounts will produce a better debt to income ratio. If banks or loan companies believe you are a low risk borrower, you’ll secure more favorable interest rates. Be careful not to cancel credit card ...

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How Much Do Teachers Really Make?

pros and cons of being a teacher

In the personal finance community, view points often lean toward toward self employment, multiple side hustles, and even early retirement. We often pity those who remain in a regular 9-5 job for several decades. “Regular jobs” are often a means to an end, and there is little sense of loyalty. Today, I’ll share a different view point. What if a person does want a steady job for the long haul that includes benefits, paid time off and the holy grail of retirement, a pension! There are few careers left that offer these terms, but I happen to be in the know about one of them. Teaching is a profession we usually think of as hard work with low pay, and I would have to agree, but  there are some upsides.Let’s look at how much teachers really make. Aren’t You An Optometrist? That’s right. I am not a teacher. I have no desire to be a teacher. I’d almost rather be trapped in a room full of spiders than small children, but I have been married to a teacher for the past 12 years. I was with him from his first job on, so I think that gives me insider knowledge that ...

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The Worlds’ Greatest and Most Affordable Smartphone Accessories

bluetooth smartphone accessories

Smartphones and the technology behind them are very much in the news recently, with Samsung set to unveil their new Galaxy S5 handset and market leaders Apple having already sold 21 million units of the iPhone 6 and iPhone 6 Plus within a month of their launch. While these numbers are staggering in some respects, they should not come as a total surprise given the investment and innovation that has driven this marketplace in the last five years. Accessories and gadgets also generate huge amounts of revenue within the smartphone market, as they help to embellish handsets and develop their functionality. With this in mind, let’s take a look at three of the most innovative and affordable accessories available in the current market: The Bluetooth Laser Projection Virtual Keyboard  Priced at an average of just $67, this virtual keyboard is innovative, versatile and compatible with most contemporary smartphones. Also equipped with HID connection and combination function keys, it is ideal for avid gamers and individuals who want to achieve a more interactive experience through their smartphones. This will be particularly advantageous for  visitors of the Euro Palace mobile casino app, where this unique accessory will enable you to seamlessly log ...

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Family Trip To Europe With Points and Miles

Courtesy: Wikipedia Commons

This post is part two in a series about how I’m taking a family trip to Europe with the help of points and miles. If you are not into travel rewards, feel free to go back and read about debt or retirement. Part 1: My Ambitious Plan To Get 3 People To Europe With Points and Miles When when we last discussed this trip, my family was booked on flights from Durango, Colorado to Boston, then from Boston to Dublin. Now that we’re across the pond, the real fun begins. Let me say, it’s very hard to find basic hotel rooms in Europe that accommodate more than two people. You can’t even sneak in a cot. It’s a money making scheme fire safety rule that you have to either upgrade to a suite or pay for two rooms if you have a family. Since we ARE NOT putting our daughter in a room by herself, I’ve almost made my eyes bleed doing research to find hotels that we can book with points and be able to have 3 people in a room. Some of them are not right in the main tourist center, but that’s OK. It will give us ...

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