Investment Money Ideas for Families

Today, I’m sharing parenting tips on investment money ideas. Money can be tight for many families. Raising children isn’t cheap.  And, all parents want to create a brighter future for their family. Investing your money is one option to consider if you want to improve your financial future.  Most importantly, investing your money will help give your kids the best possible start in life.

 

 

investment money ideas

 

 

Many people think that investing money is for the rich. This couldn’t be further from the truth.  Furthermore, there are many investments available for beginners.  Those investments can be a great way to grow your money. And, you don’t need a million dollars to invest either.  A little money each month will start a nice investment portfolio for your family.  

Investment Money Ideas

 

Yes, investing can be risky, but there are ways to mitigate the risk while also giving yourself a chance at a significant financial upside. However, if you are going to invest in order to boost your family’s finances, you need to diversify your investment portfolio. Putting all your eggs in one basket is setting yourself up for disaster.

 

So, there are lots of different ways to invest, and it doesn’t have to involve investing large sums. Simply setting aside a little money each month and investing it should help you to eventually build  an investment portfolio that’s continually growing. Of course, if you’re investing for the good of your family’s finances, you should stick to safe investment options.

 

Investment Money Ideas for Self-Directed IRA

 

For example, if you’re focused on creating a diversified and varied way of investing, consider a self-directed IRA. These investment vehicles allow you to spread your investment across a range of alternative investment types. Find out more about them below: 

 

 


Infographic designed by: https://www.accuplan.net/

 

Finally, do a little homework or better yet talk to a financial planner.  They will be able to answer any questions you may have.   

Home Remodeling Tips For Everyone

Today, I’m sharing home improvement advise on home remodeling tips for everyone. At first glance, a remodeling project seems like an easy task to complete.  Most people who are DIYers or even if you can afford a professional remodel team, you need to be aware of the basics of home improvement endeavors. 

To simplify the process of home remodeling, I have prepared a list of the five most important recommendations.  

 

 

home remodeling tips

 

Home Remodeling Tips:   

 

  • Planning is everything

Choose the materials wisely and allocate your time.  This includes time to complete your project and to fix small issues once the project is completed.  You never know what emergencies will arise. After all, this is a remodeling project. More likely than not, something unexpected will be encountered. 

Furthermore, the cost may drop significantly if you plan properly.  Consult with your contractor through each step.  If you will be doing the work, put every step of the project on paper.  Be as elaborate as possible, even on minor details. Know your exact goal and follow the plan precisely. Set a timespan, budget, consider the possibly of extra expenses, and relocation expense if you have to move out.  

 

  • Search for the proper contractor

Unless you can do everything by yourself, make sure you hire the appropriate contractor for the job.  Look for the following:  

 

  • Thorough estimates
  • Licensed and well-trained team of professionals
  • Great customer service
  • References of completed projects
  • Good reviews
  • Quality service
  • Proper equipment to complete the job
  • A good vision of your remodel

 

When it comes to the right choice of a contractor, residents of Sacramento often opt for the services provided by the team of remodeling specialists from A+ Construction & Remodeling. They have the most permits in the area.

 

  • Be present at the remodeling site

Check on the remodel every step of the way.  You will want to catch problems early, and make sure they are brought to the attention of the contractor. This includes checking the materials to ensure they are exactly what you selected or will work for the remodel.  You can also assess the workers to ensure they are putting in the work they are getting paid to do.   

 

 

home remodeling tips

 

 

 

  • Have a good Understanding of the Contract 

Without considering this step, you could end up paying more money for the job.  So, ensure the contract contains all the information needed to make it a binding legal document.  This includes exactly what is to be remodeled and the end goal.  Also, include addresses, phone numbers, dates, signatures, materials and their cost, extra items etc. The success or failure of the home remodeling project depends on you as well as the contractor.  

 

  • Consider the value of the home 

What if you sell or rent out your property in the future? Such things as home remodeling can significantly contribute to the home value. As a result, add some stylish details, enlarge the kitchen, or build arches and passages in the home.  These upgrades could increase the amount of rent paid by renters or your home’s appraisal amount. 

 

Put some serious thought into your remodeling project. Even if you are knowledgeable, professionals can help you save on time and ensure everything is done with top-notch quality. Consider these home remodeling tips the next time you are considering a home remodel.  They will help you get things done effortlessly.  

Types of Personal Loans You Can Obtain

Today, I’m sharing financial tips on the types of personal loans for individuals. Have you considered applying for a personal loan? This type of decision is generally made by individuals or families who need to consolidate debt, cover unexpected expenses, make large purchases, or pay for home repairs. 

Whatever the reason, borrowing a specific sum of money can help you handle the situation without feeling financial stress. There are various types of personal loans, depending on one’s financial situation, such as unsecured, secured, cosigned, and a personal line of credit. The interest rates and repayment periods are determined by the level of risk lenders take. If shopping for a personal loan, learn more about the most popular types.

 

 

 

types of personal loans

 

Types of Personal Loans: 

 

Unsecured

A large number of borrowers opt for unsecured personal loans since lenders require no collateral.  Furthermore, there’s no physical asset to back up the money you’ve borrowed.  So, lenders have no power to take any of your assets in the event of failing to pay the installments. The credit history of the borrowers and co-signers is what usually serves as a backup.

Moreover, individuals shopping for an unsecured personal loan need a minimum credit score of a  670 to 739 points or higher.  The amount of the loan will depend on the credit score, ranging between $1,000 and $50,000. The better your score, the higher the amount you can borrow. The repayment period is generally between one and six years.

In terms of the interest rates, unsecured loans typically come with high interest. Despite the absence of collateral, individuals might face serious consequences when being late with the payments.  For example, late payments could wreck their credit scores.

 

Secured

Secured personal loans are the complete opposite of the unsecured loan.  For example, you must have collateral for a secured loan.  The collateral usually takes the form of a vehicle, deposit certificate, savings account, or other types of assets. In case the borrower fails to repay the loan, the lender has the right to seize his/her asset to cover the debt.  See this website to check out how secured loans work.

Nevertheless, the interest rates are much lower because of the higher level of security. Consequently, the majority of lenders show greater flexibility when it comes to credit score requirements. The collateral serves as some sort of compensation for not having a solid score. This alternative is considered the best for individuals with a mediocre or poor score.

 

 

 

types of personal loans

 

Cosigned

If you have a cosigner, you can obtain an unsecured or secured loan.  In the event of a poor score or non-existent credit history, lenders tend to ask borrowers to have a cosigner whose credit score is significantly higher than yours. The responsibility of the cosigner would be to pay off the debt in case you default.

Instead of collateral, you’ll have a person serving as backup. This scenario will help you get approval as well as more favorable terms. While borrowers stand to gain from such an agreement, cosigners take the risk of experiencing disadvantages.

For instance, the loan will appear on the credit report of the cosigner along with any late payments, which have a negative effect on the score. Therefore, every borrower considering such an option should factor in the financial risk involved in the decision. Any wrong move on your end could mean a damaged personal relationship with the cosigner.  The following link, explains what cosigners are liable and responsible for.

 

Debt consolidation

A debt consolidation loan is a perfect option for individuals having multiple debts. It’s a chance for borrowers to combine all their debts into a single loan so they will just have one monthly payment. This offer is convenient for individuals who wish to reduce their monthly expenses by avoiding multiple interest rates and hefty late fees.

Furthermore, you will only pay one interest rates. However, have to be in control of your debt for this solution to be successful. You should refrain from applying for new personal loans until you pay off the consolidated debt.

 

Personal line of credit

This type of loan is similar to having a credit card; only the borrowed sum isn’t repaid in monthly installments. Borrowers are provided with access to a given amount of money, which means they can borrow from it whenever necessary. Interest is charged only on the balance that remains.

This option is believed to be the best choice in times of emergency when individuals have to cover unplanned expenses. In order to be considered eligible, you should have a remarkable credit score and credit history.

 

Make sure you choose the right type so as to avoid unplanned scenarios in the future.  Consult a professional if necessary to help you with any decisions!

Teaching Your Children Finances

Today, I’m sharing parenting advice on teaching children finances.  It can be hard to get your teenager to take money seriously.  What’s even more frustrating is the fact that they mostly source their funds from you regardless of if they’re not old enough to work yet or not.  So, the value of money is still a flimsy thing in their mind. Of course, not all teens are like this.  But, if yours is it’s time to sit them down and show them what they really need to know about money. Here is a quick list of what they need to know for their financial future.  

 

teaching children finances

 

Teaching Your Children Finances:

 

Savings are Important

Saving is the number one thing your teen should learn about.  They must understand how to save for college, an apartment or house or just to travel.   

Furthermore, they must learn to save on a regular basis.  Having a savings account is like having a safety net. Most importantly, it teaches them to not rely on you.  This point must be impressed; it’s imperative that they learn this point so they can stand on their own two feet.  It will also give them a sense of independence, which is what every teen wants.  

 

Money Dangers

There’s a lot we need to teach teens about the world. That it’s a tough place, that it’s rarely fair, and sometimes, it gets really hard out there.  Unfortunately, they’ll need to turn to someone for help.  So, it’s okay to help teens through difficult teens.  It’s key to teach them that the world of money is filled with danger.  

For example, credit and debt and living paycheck to paycheck are dangerous.  So far you’ve provided everything they’ve needed, so they might not truly understand just how hard things times can get. 

There are plenty of resources out there for them to help them make use of their money.  Let them go online to learn more about the biggest expenses in life, such as mortgages, finding good utility deals, and being able to save their money week by week. 

 

 

teaching children finances

 

 

Making Money Takes Time 

Finally, make sure you reiterate the point that ‘money doesn’t grow on trees’! Making money takes time, and being able to save it takes even longer.  Sadly, being able to get a job is harder than ever before. Encourage them through the difficult times and support them whenever they get rejected for a position. Make sure you point them in the right direction, and remind them of their strengths.  This simple step will empower them.  Just as importantly, it will give them confidence to enter the working world.  Which, is what they need to make money. 

Finally, your teens will need to know a lot about the world.  However, teaching your children finances will help them take the right steps to money management. 

Tips on Searching for a New Home

Today, I’m sharing advice on searching for a new home.  Whenever you develop the need to invest in a new property, whether this is due to relocation for work, school, or the need to increase space, it can be a very stressful.  Searching for the right place takes time.  And, the potential to lose money throughout your project can increase anxiety levels even further.

Fortunately, there are several simple steps that you can take when purchasing a new home.  Find out more about how you can uncover the perfect property in no time.  Furthermore, you can uncover the best tips and tricks that can bring balance and efficiency to your search.

 

searching for a new home

 

 

Tips on searching for a new home:

 

Make A Plan

Planning your move in advance is a great way to reduce your stress levels.  Having a clear schedule in place makes it much easier to head in the right direction. Simply jot down what you would like to achieve and by which date.  For example, finding the perfect property within a 3 month period. Making a plan is a great motivator to inspire you to move forward. 

 

 

Enlist Professional Help 

One of the best things that you can do to reduce stress when searching for a new home is to enlist professional help. There are so many different specialists that can support you through every aspect of your journey.  Many likely have years of experience to make the process as simple as possible. From trusted estate agents that you can approach for help to essential mortgage teams such as those over at https://altrua.ca who can cover the legal side of things.  There are so many unique and talented companies that are ready and waiting for your call.  So, don’t try to battle such a huge task on your own.  

 

 

searching for a new home

 

Take Time Out 

Although you may feel it necessary to completely throw yourself into your new home search, it’s a good idea to take some time out to focus on something fun and unrelated.  Having unrealistic expectations can cause extreme upset and disappointment if things go wrong.  This could potentially cause you to put off making your move. Doing something such as indulging in self care will be the perfect break from searching for a new home. It can help you gain clarity and focus whenever you do decide to channel your efforts into your new property search. 

Reducing stress while searching for your new home has never been so simple.  So, make the most of the tips detailed above!  And, remember to make a plan that will motivate you to carry on, while enlisting professional help to support your goals. 

3 Tips on Home Buying to Consider

Today, I’m sharing on tips on home buying. Purchasing a house is a big step in everyone’s lives.  Especially,  if you’re about to start or recently started a family. It’s essential that you buy a place that makes you feel inspired.  Make sure it’s a place were you can see yourself hanging around for a long time.  And, where your kids can grow up without any issues.

Buying a house is an important decision.  There are many decisions to make and ensure everything is in order before  making your purchase.  After you purchase your home, you can make it feel like a home by adapting it to your taste and liking.

 

home buying tips

 

Structure 

Your tips on home buying is the  construction of the house you want to purchase. Especially, if it’s an old home.  Asking questions is imperative.  For example, which renovations were made and when?  When was the last time a new roof was added?  Is the structure capable of withstanding a natural disaster hit, and more.

The roof is important because an old one can cause health problems or your family and damage to the resistance of the house. Dominion Roofing Company states that keeping the roof in a good shape is essential for maintaining the entire structure of a house.

If you see that the home has issues, it’s best to keep looking around to find a better fit for you.

 

Security

The streets are not as safe as most of us think.  Dangerous things sometimes happen, even when you feel secure in your neighborhood.

Take a look around the neighborhood before deciding on buying a home.  Observe the behavior of the people living there. A good sign of safety is watching the people outside their homes and the kids playing on the front porches or yards.

If a place is unsafe people will be weary.  They may wonder who you are and why you’re looking for a place in that neighborhood.  Just remember, many neighborhoods are gated communities with their own security gates and private streets.  So, check those neighborhoods too.

Also, an important aspect to check is the security system installed in the house. Do your homework and be knowledgeable of how many camera should be in a house.  Having this information will help you determine if more cameras will need to be installed, and if it’s worth purchasing the home.

 

 

home buying tips

 

Entertainment 

Buying a “forever home” requires you to look at the home and the neighborhood and surrounding area where your kids will spend most of their childhood.  Having a park nearby is a great plus for every home.  Movie theaters, sport facilities, etc. should be considered.

We all know that kids love to play with technology, but as parents, need to make an effort to have them enjoy their childhood as we used to. Going to parks, getting dirty, and building memories is essential for their development.

 

Final Thoughts

Finally, purchasing a home is never a simple decision.  Especially, if you’re going to raise your kids there. You have to check for a lot of things, especially the neighbors, security systems, the structure of the home, and places for your kids to play and enjoy their childhood.

You may also like Tips for Buying the Perfect Home.

 

Tips for Buying the Perfect Family Home

Today, I’m sharing shopping tips on buying the perfect family home can be exciting, but it can also be daunting task.  It’s a huge investment, so you will want to get right. Searching for the right home for you and your family requires research and a lot of compromises. Be prepared for your budget not to fulfill all of your hopes and dreams.

 

 

home buying tips

 

 

You should spend some time with your husband or significant other and decide what’s a deal-breaker for your family when viewing properties.  You can eliminate wasting time on visiting properties that aren’t the right fit for your family.  Maybe you’re a family that enjoys the outdoors instead of a large living room area.  Or, perhaps you enjoy watching your children play while cooking.  So, you would like to have an open floor plan.  Put your thoughts down on paper.  You can check off your priority checklist when buying the perfect family home.

 

 

Buying the perfect family home:

 

Location 

Location is one of the first things you need to decide on when buying any home.  A family home should not only be close to high standard schools, but also be in an area where you can access local amenities.

Shops, doctors, dentists, hairdressers, and family activities should all be on the top of your location scout.  If you’re a family that enjoys the outdoors, then a compromise needs to be made to find the perfect location near open spaces.  But, one that’s also accessible to local amenities.

Do a quick internet search about the local area you’re interested in moving to. The majority of real estate agents in the area will produce a rundown of what the area has to offer for potential buyers. For example, Msyorkville.com mentions the importance of properties that are only 45 minutes from downtown Toronto and 20 minutes from the airport.

 

Size and Layout 

The next step to finding your perfect property is deciding what size is suitable for your family.  The number of bedrooms will be determined by how many children you have or plan to have and if you have frequent visitors. Whereas the size of your kitchen will depend on how much time you spend in there cooking.

The layout is also another crucial aspect to decide on. A closed plan property gives your rooms privacy and allows you to shut doors on mess and keep pets out of certain areas of the home. On the other hand, a popular option for families is an open plan concept where you can see different areas of the house from the kitchen or living room, for example.

An open plan allows you to keep an eye on your children as they play, and you can easily communicate between spaces. The concept you choose may depend greatly on the age of your children.

 

 

home buying tips

 

Outdoor Space 

Outdoor space is often a budget breaker. For most, it’s crucial to have some outdoor space attached to your property.  It gives your children a secure area to play in. Your garden is an extension of your property.  And, it’s a great place to spend time with your family and friends.

How much outdoor space you need is your preference. A large grass lawn, for example, is perfect for hours of endless fun and space for all sorts of play equipment but is a nightmare to maintain. In comparison, a smaller paved yard is simple to keep tidy, but it can be challenging to spend time with young children in a tight area.

The perfect garden for the average family is often one that’s comprised of sections. A sectioned garden gives children a place to play, but also an area for adult relaxation.

 

Security 

Security should also be considered.  Your potential home should have secure windows and doors.  A  fenced-in outdoor space is desirable as well as a safe neighborhood.

Make sure when you view any property that you check the locking systems and bonus points if it already has an alarm or CCTV system in place. Remember, once you have bought the property change the locks for added peace of mind.

 

Find a House You Can Call a Home 

By following these tips you will be on your way to buying the perfect home.  Most importantly, you will cut down on the worries and stress during your home buying experience.  Don’t be disheartened if you view a property and it isn’t right for you.  So, try not to rush the process and make the wrong decision.  Doing so will lead you to the house that fits your family!

 

You may also like How to Make Your House a Home.

 

How to Buy a Bed With a Mattress Included

Buying a bed is not an easy challenge.  After all,  your bed is the focal point of your bedroom.  So, it is importance that you buy something you love. Furthermore,  beds can be expensive.  And, most of us do not have an endless pit of money to spend on such things.  Getting the right balance between quality, style and price can be a tricky.  One of the best ways to save money is to look for beds with the mattress included. So, today I’m sharing shopping tips on how to buy a bed with a mattress. Here are a few tips on what to look for:

 

how to buy a bed

 

 

There are numerous companies who offer a deal on beds that include a mattress.  The key to finding the best beds is to find the best company. If you opt for a credible and high-quality company, you will benefit from a top bed at an affordable price.

The same goes if you are looking to buy a crib for your little one. You can read this crib mattress size guide for more information so that you can get a better idea of what you are looking for.  A benefit of buying a crib that comes with a mattress is that you don’t have to worry about whether the mattress fits or not.  There is nothing worse than buying furniture pieces and finding that they do not fit in your home.  So, aside from the cost benefits, there is also the convenience factor that is associated.

You want to buy a bed with a mattress, but how can you tell if a company is a good one or not?  There are several ways in which you can get a good indication as to the credibility of a bed company.   The first sign will be your initial contact with the company.  Look for the following criteria:

  • the friendliness of the staff
  • their willingness to make your inquiry top priority and
  • their determination to find a bed that you want not a bed they simply want to get rid of

 

In addition to the way the staff interacts with you, you can also gage the credibility of the company by discovering their experience.  Obviously, the longer the company has been in the industry the better. This is because they will have the knowledge, experience, and insight to deal with any queries, issues or requests. Furthermore, they are likely to have built up a lot of contracts in the industry.  And, will probably offer a wider range of beds. They will also have the tools and knowledge to advise you on which beds they think will be best suited for you.  And, you know that they will be talking to you from experience, thus you can trust what they say.

 

how to buy a bed

 

 

You should also do a quick search online to see if there are any discount codes available for the company you are thinking of purchasing from. After all, this is another way to make your money go further.  And, today the Internet has proven to be very beneficial when it comes to finding discounts and saving money.

Finally, in order to determine the reputation and credibility of a company you need to discover what previous customers think about their goods and the service.  Open up Google and search the name of the company in question. Do not open their website, instead, open relevant forums whereby people can voice their opinions freely.  The company is likely to only post positive feedback on their own webpage. People will post their experiences of dealing with the company on forums.

Implement these tips on how to buy a bed, and you will find the best company offering cheap beds with a mattress included.  Doing your research will pay off, and ensure you end up with quality furniture without having to pay expensive costs.

 

5 Financial Planning Tips Parents Should Consider

Proper financial planning can save you a lot of stress and headaches.  Taking the right financial planning steps can also help protect your family.  Furthermore, it can provide a secure and stable future. Most parents know how to save money and pay down debts.  But, if you really want to empower yourself and provide your family with long-term financial peace of mind, consider these financial planning tips:

financial planning tips

 

Shop Online for Your Life Insurance Policy

As HavenLife describes, a life insurance policy is “a contract between you and a life insurance company that helps protect your loved ones financially if you pass away.”  Fortunately, the task of buying life insurance is made simpler by shopping online.  You can compare rates and purchase a policy without leaving the comfort of your home.  And, you use insurance calculators to figure out exactly how much coverage your family needs.  Finding the right life insurance can provide peace of mind.  It can also provide a huge relief for your family during a difficult time.  For example, it can help pay funeral expenses, medical costs, and even cover lost income.  Also, consider taking care of other estate planning steps for your family.

 

Earn More Money With Your Emergency Fund

Savvy parents know the importance of savings.  You can use online calculators to determine how much you need to save for common family goals.  Your goals can be raising a baby to purchasing a new car.  In addition to saving for the expected, you should also be saving for the unexpected. Having enough saved for up to 6 months of expenses in an emergency savings fund can eliminate stress from unexpected illnesses or other financial burdens.  So, consider keeping your money in a high-interest savings account.  Furthermore, you should understand how interest on savings accounts can benefit you.

financial planning tips

 

Start Saving for Your Retirement Before College

Recent surveys show that more than half of all parents in America are saving for their kids’ future college tuition before they begin saving for their own retirement.  While saving for college can provide stability for your children, they may end up having to support you during your retirement years.  So, do yourself and your children a favor by saving enough to keep yourself financially secure during retirement.

 

 


 

 

Invest in Real Estate for Your Children’s Future

Buying a home can come with some pretty incredible perks.  For example, tax breaks, consistent housing costs, and equity.  These perks can benefit your children as well.  If you can swing it, an investment property can be an even smarter way to provide financial security for your family. In fact, buying an investment property first can help you create a passive form of extra income.  It can be used buy a first home or pay off debts.

 

Consider Padding Your Income With a Side Gig

If investing in real estate is out of the question right now, there is still a fairly simple way to add some extra income to your family’s budget: Get started with a side gig. Second jobs are becoming increasingly popular as an added source of income.  That’s because working a second job typically involves flexible hours.  Also, many jobs can be performed remotely which can be beneficial for time-strapped parents. If you want to bulk up your budget, think about driving for a rideshare company, taking online surveys from home, or searching for other side job opportunities.

You’re used to going the extra mile to provide a life of happiness and health for your family. Do the same with your financial planning by taking some extra steps.  With a little more effort and implementing a few of these financially planning tips, you can ensure a brighter financial future for your children and your family.

Home Buying Tips for Families

Searching for a new home can be something of a stressful thing to do. But, when you have a family it is even more troubling and challenging to get it right.  So, today we’re sharing parenting information on home buying tips for families.  When you are purchasing a family home, you will need to know how.  You must have a good sense of the things you want in terms of quality,  price range or budget, and the location in which you want to live.

And, you’ll need to make sure that you are considering your entire family.  That’s something that you might find challenging.  However, you do need to work on it if you really want to find the ideal home for your family.  Here are a few other things to consider:

 

home buying tips

 

Size

Our home buying tips include considering the size of the home you are purchasing for your family.  In fact, it is going to be one of the most important things that you will need to consider.  If you don’t have a large enough home it is unlikely that you and your family are going to really enjoy living in it.  So, if you plan to expand your family consider it when you look at homes.  Or, you can focus on finding a home with a decent amount of space for everyone now and purchase another home if your family grows.  Bear in mind, you will want to provide your family with enough room  to spread out.  But, you shouldn’t go over budget massively just to ensure that your children have huge rooms.  In some cases you might find that just an apartment is going to be ideal.  And, in others you may need to think about something considerably larger.

 

 

home buying tips

 

Location

Another one of our home buying tips includes considering the location of the home.   So, when you are searching for a new family home think about it.  Consider schools, safety of the neighborhood, distance from the kid’s activities and shopping.  It’s important to pay attention to the crime statistics in the area you are considering.  Use your common sense and keep your wits about you when you are exploring the area in question.

In addition to safety, you’ll also want to think about good schools.  Hopefully schools which are not too overcrowded.  It’s definitely worth researching the schools in the local area just to make sure that you know what your options are.  Otherwise, you might be in for a surprise in regards to your children’s education.

 

Safety In The Home

Although all homes on the market should be safe enough to sell, you might find that some lend themselves better to childproofing than others.  So, consider childproofing options when you are looking.  Obviously, you will want to keep your family safe.  Especially, if you have small children.   Ask yourself how much childproofing needs to be done and is possible to do it. You might be surprised at just how simple a process will be to install safety measures.  But if you overlook it, it can be troubling down the road.