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Credit scores are a big deal.  Most people know that.  However, many people also turn a blind eye towards their credit score.  People can be afraid to look at their credit score for many reasons.  This is not a good practice.  Don't wait until you absolutely need to know what your credit score is, like when you go to qualify to purchase or refinance a home. Remember, that time will keep on marching whether or not you are doing anything to help your score, so you might as well keep on top of it.  

Make sure you are checking your score regularly.  A Federal Trade Commission study showed that 1 in 4 people spots errors on the report. That is a huge number! That means that twenty-five percent of all credit reports have errors. Does yours?  Two

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Free Men

Happy Juneteenth!

Haven't ever heard of Juneteenth?  Either had I until today.  Here is a little history behind Juneteenth.

"Juneteenth is the oldest known celebration commemorating the ending of slavery in the United States. Dating back to 1865, it was on June 19th that the Union soldiers, led by Major General Gordon Granger, landed at Galveston, Texas with news that the war had ended and that the enslaved were now free. Note that this was two and a half years after President Lincoln’s Emancipation Proclamation - which had become official January 1, 1863. The Emancipation Proclamation had little impact on the Texans due to the minimal number of Union troops to enforce the new Executive Order. However, with the surrender of General Lee in April

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If you are a customer of Kennewick Irrigation District, then you need to be aware that Doxo Inc. is using KID contact information to contact KID customers to offer their online bill pay service.   This company is NOT affiliated with KID and is not authorized to be doing so.  They are also not authorized to use the KID logo or their information.  

Doxo charges a fee to pay through their portal.  There is a FREE payment portal through KID's secure portal on their website which they do not charge any convenience fees to use.  

If you would like to learn more information you can visit their website or call them at 509-586-9111 for more information.

#KennewickIrrigationDistrict #Kennewick #KennewickWA

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MSN recently did an article about the value of a dollar in each state and the differences are quite shocking.  They report,

"The value of a dollar is not the same everywhere. Prices even of identical items vary dramatically depending on where they are sold."  Washington States statistics comparatively were:

> Value of a dollar: $0.96
> Personal income: $50,421 (11th highest)
> Effective personal income: $48,575 (20th highest)
> Median home value: $284,000 (7th highest)

Our close neighbor Oregon's statistics were:

> Value of a dollar: $1.01
> Personal income: $41,720 (20th lowest)
> Effective personal income: $42,141 (12th lowest)
> Median home value: $264,100 (10th highest)

Can you guess the lowest state?  Hawaii! With the

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It's the end of the year and schools are already trying to get their staffing in place.  Good news for Richland School District is that they were named as one of the best school districts for teachers to work for in a report by GoodCall.  Analysts ranked the Richland School District based on eight metrics.  These metrics included teacher pay, cost of living, a community that values education and a nice place to live that has an abundance of amenities.  

They also looked at job availability, comparative salary, and cost of living. The number of high school and college graduates was also included in their analysis. 

As reported on the school districts website, only , "Bellevue, Lacey, and Redmond ranked slightly higher. Nationally, Richland ranked

57 Views, 0 Comments® came out with their top hottest housing markets for May 2017 and guess who was on that list...Kennewick! Not only did it make the list, but it took 5th place out of all the cities around the nation.  It's no surprise with all the growth and expansion that we have been seeing recently.  Homes are selling like hotcakes and the inventory is still low.  Not to mention the three rivers, the hiking, and outdoor recreation opportunities that abound in our area. 

The article stated that ,"the median list price is 10 percent higher than a year ago." For the first time ever, the report said that ,"The nationwide median home list price rose above $250,000."  This is due to the high demand and low supply.  It's basic economics and this increase

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Did you miss the State of the Cities 4 Mayor Panel that happened today? All four mayor's were at the Tri-City Regional Chamber of Commerce luncheon today and had some important and positive things to say.  One highlight was the fact that they talked about how they meet monthly in collaboration to help our area grow; with a vision toward the future of becoming a Three Rivers Region that continues to expand it's legacy.  We are no longer the Tri-Cities but instead we are now, "a quartet of cities."  

One example they gave of how they support one another was how the new AutoZone had originally spoken with Richland, but the Richland mayor suggested they speak with Pasco and how that may be a better suited location. This is the "team" building our

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WA Rent vs Buy

Franklin and Benton counties ranked #2 and #3 respectively as the best places to own a home in Washington State in a study by SmartAsset. The No. 1 spot went to Grays Harbor County with a breakeven point at 2 years like Franklin County.  The difference came in lower average monthly mortgage payment of $621 and average rent payment of $1,168.

This study compared counties average rent and home prices across the U.S. They then used that information to determine where buying a home versus renting a home made the most sense.

In Franklin County, the breakeven point was at two years based on an average monthly mortgage payment of $655 versus an average rent of $1,168. In Benton County is was three years with an average mortgage payment of $723 versus

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I grew up with respect for those that serve in our military, having a father that served in two wars.  We would sit around the campfire and listen to his stories in awe. My mother told how when he left for Vietnam she wasn't sure if she would see him again. When he did come back, she didn't recognize him at first as he stepped off the plane.  His hair had changed from sandy brown to silvery white.  My grandfather worked in an Iron Works mine during World War II and his work was considered essential to the war. However, he always felt like he didn't do enough since he never went overseas with "the other boys."  These two men were two of the lucky ones that were able to come home and tell their stories.  Today we honor those men and women who served and

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The biggest reason people claim for delaying purchasing their first home is having a down payment. Most people still think that they need to have 20% down before they can purchase a home. While having 20% down sure helps, it isn’t always necessary.

According to®’s research, the average down payment is actually 11%. This varies by circumstances such as if you are doing a jumbo loan, VA, FHA, or USDA loan. The last 3 types of loans average a down payment of 4.8 percent, 2.2 percent, and 0.4 percent respectively.

There are several programs available to help first- time home buyers get into their first home.

There are programs such as the Home Advantage DPA program and the HomeChoice program. The Home Advantage DPA program has a

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