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Mistakes to Avoid Buying a House as a Newlywed

by Brooks & Davis Real Estate Firm, LLC

For most people, their wedding is a magical time, full of enchantment and wonder. But sadly, during that time, the bride and groom often try to make life plans at the same time they're planning their special day. This can cause important issues to get missed or pushed under the rug.

One of the most common things couples often discuss when planning their wedding is buying their first home. Now, I don't have to tell you that buying a home is a topic best dealt with on its own, but when the love bug bites, it can often make its way into the wedding preparations. This is a huge mistake. In fact, this type of mass newlywed hysteria can cause some couples to make very costly mistakes when they decide to purchase their home.

Buying a house is a major investment that requires your attention, time, and money. So, for starters, you should make sure you're prepared to take on the challenge. Then, you need to make yourself aware of the pitfalls that many newlywed home buyers has come across. Here are some mistakes to avoid.

Failing to Budget

One of the first steps couples should make when buying a home is determining how much money they have to reasonably spend on a home. Too many couples have no idea what they can afford and start looking at homes that are out of their price range. As a result, they can end up digging themselves a hole. Either they won't get approved for a loan or they will be unable to make their monthly mortgage payments.

What newlyweds should do is figure out how much they can afford in a down payment and how much they can spend in mortgage payments on a monthly basis.

Neglecting to Get a Pre-Approved Loan

Many newlyweds believe that they should find a house first and then worry about financing. But you should actually get pre-approved for a home loan before you pick out the home you'd like to buy. Real estate experts suggest doing this as a way of convincing home sellers that you're serious and trustworthy. Without the pre-approved loan, they might not approve your offer over someone else's.

Being Unaware of Credit Checks

As newlyweds, you might be bogged down with student loans, car loans, and credit card debt, all of which can create a problem for you when you try to get that pre-approved home loan. You should check your credit score (which you can do easily for free on various Web sites, such as Annual Credit Report). Credit scores, which indicate how likely you are to pay your bills on time, range between 300 and 850. Any score below 700 could use improvement, according to gotcredit.com. Your aim should be to pay off debts and to avoid spending more than you have. If your credit score is not where it should be, and you have too many debts, you might consider waiting to buy a home. Pay things off and save up and then seek a home later. It could make your life and finances less complicated.

 

Buying your first home is an exciting, yet daunting affair. Don't short change the process or you could find yourself spending much more on your mortgage than you should. Keep the wedding plans separate from the home buying dreams and by giving each their own due, you'll find much more happiness and fulfillment in each of these life changing events.

August 2015 Events

by Brooks & Davis Real Estate Firm, LLC

August 2015 Events

August 1st

www.houstonrestaurantweeks.com


Discovery Green Events

Hatha Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 9 pm   

 

Sambuca Restaurant Live Music  8:15 pm – 1:00 am

Miller Outdoor TheatreThe Merchant of Venice

August 2nd


Discovery Green Events

Kayak on Kinder Lake… 11 am – 9 pm   

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

Miller Outdoor Theatre … Macbeth

 

August 3rd


Discovery Green Events

Kayak on Kinder Lake… 11 am – 5 pm   

 

Bum-ba Toning from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

August 4th

 


Discovery Green Events

Circus Arts from 5:30 pm – 7:30 pm

 

Core Focused Yoga from 6:30 pm – 7:30 pm

 

Kayak on Kinder Lake… 11 am – 5 pm   

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

Miller Outdoor Theatre … Macbeth

 

August 5th

 


Discovery Green Events

Sundown at the Grove presented by Southwest Airlines®

Kayak on Kinder Lake… 11 am – 5 pm

 

Zumba® from 6:30 pm – 7:30 pm

 

 

 

Sambuca Restaurant Live Music  7:15 pm – 11:00 pm

 

Miller Outdoor TheatreThe Merchant of Venice

 

August 6th

 


Discovery Green Events

Kayak on Kinder Lake… 11 am – 5 pm   

 

Argentine Tango lesson from 6:30 pm – 7:30 pm

 

Sambuca Restaurant Live Music from 7:45 pm – 11:45 pm

Miller Outdoor Theatre … Macbeth

August 7th

 


Discovery Green Events

Kayak on Kinder Lake… 11 am – 5 pm   

 

Kayak Polo League… 6:30 pm – 9:30 pm

Core Focused Yoga from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

Miller Outdoor TheatreThe Merchant of Venice

August 8th

 


Discovery Green Events

Hatha Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 9 pm   

 

 

Zumba® from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 


Miller Outdoor Theatre … Macbeth

 

August 9th

 


Discovery Green Events

Kayak on Kinder Lake… 11 am – 9 pm   

Miller Outdoor TheatreThe Merchant of Venice

 

August 10th

 


Discovery Green Events

Kayak on Kinder Lake… 11 am – 5 pm   

Bum-ba Toning from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

August 11th

 


Discovery Green Events

Circus Arts from 5:30 pm – 7:30 pm

 

Core Focused Yoga from 6:30 pm – 7:30 pm

 

Kayak on Kinder Lake… 11 am – 5 pm   

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

August 12th

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 5 pm   

Sundown at the Grove presented by Southwest Airlines®

 

 

Zumba® from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music  7:15 pm – 11:00 pm

 

Miller Outdoor TheatreWedding Belles

 

August 13th

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 5 pm   

 

Bum-ba Toning from 6:30 pm – 7:30 pm

 

Argentine Tango lesson from 6:30 pm – 7:30 pm

 

Miller Outdoor TheatreWedding Belles

 

August 14th

 


Discovery Green Events

Kayak on Kinder Lake… 11 am – 5 pm   

 

Kayak Polo League… 6:30 pm – 9:30 pm

Core Focused Yoga from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

Miller Outdoor TheatreDaniel Ho & Taiwu Children’s Ancient Ballads Troupe

 

 

August 15th

 


Discovery Green Events

Hatha Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 9 pm   

Circus Arts from 5:30 pm – 7:30 pm

 

Zumba® from 6:30 pm – 7:30 pm

 

Discovery Green Flea by Night presented by Green Mountain Energy

6 pm – 10 pm

Houston Texans Football vs. San Francisco 49ers 8pm 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

 

August 16th


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm   

 

 

 

 

 

August 17th   


Discovery Green Events

Kayak on Kinder Lake… 11 am – 5 pm   

 

Bum-ba Toning from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

August 18th

 


Discovery Green Events

Circus Arts from 5:30 pm – 7:30 pm

 

Core Focused Yoga from 6:30 pm – 7:30 pm

 

Kayak on Kinder Lake… 11 am – 5 pm   

 

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

August 19th

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 5 pm   

Sundown at the Grove presented by Southwest Airlines®

Zumba® from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music  7:15 pm – 11:00 pm

 

August 20th

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 5 pm   

Bum-ba Toning from 6:30 pm – 7:30 pm

 

Argentine Tango lesson from 6:30 pm – 7:30 pm

 

August 21st 

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 5 pm

 

Kayak Polo League… 6:30 pm – 9:30 pm    

Core Focused Yoga from 6:30 pm – 7:30 pm

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

 

August 22nd

 


Discovery Green Events

Hatha Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 9 pm   

Circus Arts from 5:30 pm – 7:30 pm

Houston Texans Football vs. Denver Broncos 8pm 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

 

August 23rd

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm   

 

 

August 24th


Discovery Green Events

Kayak on Kinder Lake… 11 am – 5 pm   

 

Bum-ba Toning from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

August 25th

 


Discovery Green Events

Circus Arts from 5:30 pm – 7:30 pm

 

Core Focused Yoga from 6:30 pm – 7:30 pm

 

Kayak on Kinder Lake… 11 am – 5 pm   

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

August 26th

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 5 pm   

Sundown at the Grove presented by Southwest Airlines®

 

Zumba® from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music  7:15 pm – 11:00 pm

 

August 27th

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 5 pm   

Bum-ba Toning from 6:30 pm – 7:30 pm

 

Argentine Tango lesson from 6:30 pm – 7:30 pm

 

August 28th

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 5 pm

 

 Kayak Polo League… 6:30 pm – 9:30 pm    

 

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

August 29th

 


Discovery Green Events

Hatha Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 9 pm   

 

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

August 30th

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm   

 

 

August 31st

 


Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 5 pm   

Bum-ba Toning from 6:30 pm – 7:30 pm

 

 

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

 

How to Make It Last a Lifetime?

by Brooks & Davis Real Estate Firm, LLC

 After the big engagement there comes the planning of the wedding. Some people attend classes or workshops to help them understand one another before saying the big words “I do”. After completing the classes then it’s the BIG DAY. The big day is filled with excitement, laughs, smiles, tears, and lots of joy. Once everyone is gone it now the time for you and your spouse to enjoy being with one another. After a few weeks, months or even years pass you think about how huge of a commitment getting married really is, and you wonder how to make sure that this lasts a lifetime.

Thanks to the article 17 Things Married People Want Newlyweds To Know and Reddit thread, a recent survey was given to some couples that have been married for many years and they were asked to share their advice for making a marriage work for the long haul.

  1. "Love is an action verb. Love your spouse actively, every day."
  2. "Argue all you want, but it shouldn't be you vs. your SO. It should be you (TOGETHER) vs. the problem."
  3. "There is more than one right way to do something (e.g. load the dishwasher, fold the laundry, etc.)."
  4. "Never stop dating your spouse."
  5. "When you are angry and having a fight, refrain from calling your spouse names of any kind."
  6. "Make sure that you make time for sex."
  7. "Choose your battles. Sometimes you just need to breathe and carry on. Communication. Communication. Communication."
  8. "Always have each other's back in public. Never belittle your spouse. Have all the disagreements people normally do but let the world know you two are best friends."
  9. "Show appreciation! Always say thank you, even for little things. Being married to someone doesn't make you entitled to anything that they do for you."
  10. "Arguing occurs when being right is more important than listening to your spouse."
  11. "Always assume the other person has the best intentions. Let the small stuff go. Never stop being considerate or doing small gestures 'just because.'"
  12. "No matter how bad the fight, how frustrated you are, look for something to be thankful for in your spouse. It will help calm you and give you a second to clear your head."
  13. "Kiss each other EVERYDAY."
  14. "Never stop listening."
  15. "No one argues well at midnight. So sometimes it is ok to go to bed angry. Consider it a timeout to regroup."
  16. "You must remember: You're not in a battle. You're not boxing. You are not opponents. You are working towards a common cause: A happy, healthy, productive life together."
  17. "You put her first, she puts you first. If you're always more concerned about her needs than your own, and she's more concerned about your needs than her own, you won't have many problems."

The Things To Do After Saying "I do!"

by Brooks & Davis Real Estate Firm, LLC

The dress. The makeup. The bridal party. The music. The dancing. The tears. The love. Who doesn’t love a good wedding? For many people, that is where all of the attention was focused on. Who really thinks about those word lifetime? Now that you have said “I do” make sure you consider these things to take care of after the wedding.

The Marriage Certificate

Depending on the type of ceremony you have, the minister (or person who legally married you) will likely send the signed marriage license to the state or county. In the event that they do not, this is something you want to do immediately after the wedding.

You’ll also need a few copies of this if you’re changing your name, so make note of any instructions on how to do this.

Clean and Preserve Your Dress (or Tux)

Most dry cleaning companies can easily clean and preserve your dress or tuxedo. My mom was a huge help and actually dropped mine off for me after I left for the honeymoon. That way it was ready for me to pick up when I got back.

Changing Your Name

This is an extremely personal decision, but if you do decide that you want to legally change your name know that it’s not as hard as you think it is. That’s right, I said it’s not that hard!

Thanks to websites like MissNowMrs.com, this is a pretty painless process. If you don’t want to pay for all of the forms, this is the general checklist:

  • Social Security Number (you have to do this first)
  • Driver’s License, State ID, Passport
  • Any credit cards or loans (student, car, etc.)
  • Your lease or mortgage

For most of these items, you’ll need a copy of your marriage certificate.

Update Your Information

This is in the same vein as changing your name. If you move into a new home, you’ll want to submit an address change. You may also choose to put all bills in both your and your spouse’s name – or even just add the other person to your account.

You’ll also want to update and/or combine insurance providers (health, life, home), as well as look into your retirement accounts.

Taxes

I was married in April, so we had a full year to determine how we wanted to handle our tax situation. If you’re getting married in the winter, you may not have as much time prepare.

My suggestion is to have the conversation early – perhaps before you get married. That way you know if you’re filing together or individually.

Settle Into New Roles

Believe it or not, there is an adjustment period after you get married. This can be particularly obvious if you didn’t live with your now spouse before the wedding day, but many couples that lived together before still experience it (guilty!). It’s a natural adjustment period that varies from couple to couple.

If you’re struggling with this, my suggestion is to talk it out or seek external guidance. Communication really is key in all relationships.

Enjoy Your New Life

Don’t get too wrapped up in all of the details of post-marriage. Marriage is a fun and exciting time, so embrace and enjoy the change – remember, you’re only newlyweds for so long.

July 2015 Events

by Brooks & Davis Real Estate Firm, LLC

July 2015 Events

July 1st

Discovery Green Events

Sundown at the Grove presented by Southwest Airlines®

Sambuca Restaurant Live Music  7:15 pm – 11:00 pm

 

July 3rd


 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

July 4th

 


Discovery Green Events

Hatha Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 5 pm

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

July 5th


 

Sambuca Restaurant Live Music  7:15 pm – 11:00 pm

 

July 6th

 


Discovery Green Events

 

Bum-ba Toning from 6:30 pm – 7:30 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

July 7th

 


Discovery Green Events

 

Core Focused Yoga from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

July 8th

 


Discovery Green Events

Sundown at the Grove presented by Southwest Airlines®

Circus Arts from 5:30 pm – 7:30 pm

 

Zumba® from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 


yasiin bey aka MOS DEF in The Ballroom at Warehouse Live... 8pm

 

July 9th

 


Discovery Green Events

 

Argentine Tango lesson from 6:30 pm – 7:30 pm

 

 

July 10th

 


Sambuca Restaurant Live Music from 8:15 pm – 1:00 am


The Annual EL-Bee London Fashion Show 2015, A Pink Carpet Event from 9:00 pm  

 

July 11th

 


Discovery Green Events

Hatha Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 5 pm

Brenner’s Wine Fest… 3:00 pm – 6:00 pm

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

July 12th

 

 


Adult Classes with a Soft Opening/Meet the Chefs Cooking Class!! ... 4pm

 

 

Sambuca Restaurant Live Music  7:15 pm – 11:00 pm

 

 

July 13th

 


Discovery Green Events

 

Bum-ba Toning from 6:30 pm – 7:30 pm

 

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

July 14th

 


Discovery Green Events

 

Core Focused Yoga from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

Miller Outdoor Theatre … Smokey Joe’s Café

 

Neo Soul Tuesdays… Libra Lounge

 

 

July 15th

 


Discovery Green Events

Sundown at the Grove presented by Southwest Airlines®

Circus Arts from 5:30 pm – 7:30 pm

 

Zumba® from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

Miller Outdoor Theatre … Smokey Joe’s Café

July 16th

 

 


Discovery Green Events

 

Argentine Tango lesson from 6:30 pm – 7:30 pm

 

 

Miller Outdoor Theatre … Smokey Joe’s Café

July 17th


Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

Miller Outdoor Theatre … Smokey Joe’s Café

July 18th

 


Discovery Green Events

Hatha Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 5 pm

 

HPL Summer Reading Program: ABC Bodyart… 12:30 pm – 1:30 pm

 

 

 

Discovery Green Flea by Night presented by Green Mountain Energy… 6pm – 10pm

 

Julydoscope… 7pm – 10 pm

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

Miller Outdoor Theatre … Smokey Joe’s Café

July 19th


Sambuca Restaurant Live Music  7:15 pm – 11:00 pm

 

Miller Outdoor Theatre … Smokey Joe’s Café

July 20th

 


Discovery Green Events

 

Bum-ba Toning from 6:30 pm – 7:30 pm

 

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

July 21st 

 


Discovery Green Events

 

Core Focused Yoga from 6:30 pm – 7:30 pm

 

Miller Outdoor Theatre … Children's Hilltop Festival - Our Feet Can Tell a Story

 

July 22nd

 


Discovery Green Events

Sundown at the Grove presented by Southwest Airlines®

Circus Arts from 5:30 pm – 7:30 pm

 

Zumba® from 6:30 pm – 7:30 pm

 

Miller Outdoor Theatre … Children's Hilltop Festival - Our Feet Can Tell a Story

 

 

July 23rd

 


Discovery Green Events

 

Argentine Tango lesson from 6:30 pm – 7:30 pm

Miller Outdoor Theatre … Children's Hilltop Festival - Our Feet Can Tell a Story

 

July 24th

 

 


Miller Outdoor Theatre … Children's Hilltop Festival - Our Feet Can Tell a Story

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

July 25th

 


Discovery Green Events 

Hatha Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 5 pm

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

July 26th


Sambuca Restaurant Live Music  7:15 pm – 11:00 pm

 

July 27th

 


Discovery Green Events

 

Bum-ba Toning from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

July 28th

 


Discovery Green Events

 

Core Focused Yoga from 6:30 pm – 7:30 pm

 

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

July 29th

 


Discovery Green Events

Sundown at the Grove presented by Southwest Airlines®

Circus Arts from 5:30 pm – 7:30 pm

Zumba® from 6:30 pm – 7:30 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

July 30th

 


Discovery Green Events

 

Argentine Tango lesson from 6:30 pm – 7:30 pm

 

July 31st

 


Discovery Green Events

 

Kayak Polo League… 6:30 pm – 9:30 pm

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

Miller Outdoor Theatre … Macbeth

 

Now That You Have Said "I Do!" Let's Build Up Your Finances

by Brooks & Davis Real Estate Firm, LLC

So you have said "I do."

Remember when you spoke those words at your wedding? Perhaps it was in front of family and friends. Or maybe it was just the two of you on a beach or in front of a justice of the peace.

At that moment, you probably weren't thinking about savings and checking accounts, stocks and other investments or credit scores. You were thinking, "This is the happiest day of my life."

Well, not so fast.

While being married has put you in a state of bliss, you need to come down off of your cloud for a minute and have a conversation with your partner about finances. In fact, I'd love to help you and your partner secure a solid and happy financial future together, now and forever. Just follow these tips.

Steps to Build Up Your Finances

1. Review bank accounts, credit scores and credit card statements.

Gather your bank statements, credit scores and credit card statements and compare notes. How much money do the both of you have? What are your credit scores? What are your credit card balances? Review all of this information. And if one of you has a lower credit score than the other, it's a good idea to create a plan to raise the credit score. How? First, stop using your credit cards! Second, double your monthly payments, if you can. It's important that you and your partner are on the same page when it comes to finances.

2. Create a monthly budget, and stick to it.

Creating a budget is super easy. You can either grab a pen and paper or use a software program. After you've created your budget, review it together and make necessary adjustments. See where you can cut back. If you can't adjust the figures, make sure you stick to your monthly budget, no matter what.

3. Review investment portfolios monthly.

If you have investment portfolios, sit down with your financial advisor/manager and discuss how you can make changes to increase your investments and/or diversify. For example, if you've been playing it safe, you may want to look into more aggressive stocks. On the flip side, if you've been too aggressive, you may want to rethink your strategy and be more conservative. Your financial manager will help you choose the best investment options.

4. Compare salaries and know when to ask for a raise.

How much do you make? If you've been working your way up the company ladder and earn a healthy salary, congratulations! But if you've been working and haven't received a raise or don't think you've received a raise that is worthy of you and your work, you may want to approach your boss and ask for a raise.

5. Choose a monthly amount to deposit into a separate savings account.

Now, more than ever, it is important to have an emergency fund. Because you don't know what could happen now or in the future. You or your partner could get laid off from work, permanently lose your job, need to take care of an aging parent or sick child, or experience another life-altering event. Establishing a monthly amount to be deposited into a savings account that is not to be touched is a must. You may not want to do it, but you need to do this, now.

6. Live within your means.

Your mom and dad may have told you to live within your means. Whenever you're about to purchase something, ask, "Do I need or want this?" If you don't need (fill in the blank), don't buy it, because you may have buyer's remorse or you could find a better deal at another store or online; keep your options open.

7. Start investing.

If you don't have an investment portfolio, you and your partner may want to hire a financial advisor. It's never too late or too early to invest.

8. Get a side job or start a business.

Okay, so you and your partner work 40 or more hours per week and may not have time for a side job. However, you can earn extra money doing what you love. You may find that both you and your partner have a knack for running your own business. You could eventually quit your day jobs.

9. Sell your stuff.

Now that you're married, go through all of your stuff and get rid of what you haven't used in a year or more. Toss out anything that is worn out, but sell everything that is gently used..

10. Keep the lines of communication open.

Most important is to keep communicating with one another. Do not shut down if your partner makes a mistake. Sure, you may not be happy about it, but it's not the end of the world. Calmly speak about the importance of creating a solid financial future together. If you need help, seek counseling from a marriage or financial counselor or both. Whatever you do, do not throw your marriage away at the first bump you have. It won't be 100 percent perfect all of the time.

To secure a solid financial future, you and your partner need to be willing to be honest about finances and hopefully were on the same page before you got married.

Having a solid financial future together is closer to possible than you think.

Excerpts from Amandah Blackwell

June 2015 Events

by Brooks & Davis Real Estate Firm, LLC

June 2015 Events

June 9th

Tues.

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

Circus Arts… 5:30 pm – 7:30 pm

 

Core Focused Yoga… 6:30 pm – 7:30 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

June 10th

Wed.

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

 

Zumba®… 6:30 pm – 7:30 pm

 

Miller Outdoor Theatre … Hairspray Jr 11 a.m.

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

June 11th

Thurs.

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

 

Sounds Like Houston! Thursday Concerts presented by UHD… 6:30 pm – 9:30 pm

 

Parkour… 6:30 pm – 8:00 pm

 

Miller Outdoor Theatre … Hairspray Jr 11 a.m.

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

 

June 13th

Sat.

Discovery Green Events

Blissful Warrior Yoga… 9:00 am – 10:00 am

 

 

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 9 pm

 

Texas Black Expo… 4 pm – 10 pm

Eight14 Jewelry Trunk show…  12noon – 5 pm

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

Miller Outdoor Theatre … Hairspray Jun 12th and 13th 8:15 p.m.

 

 

June 14th 

Sun.

Discovery Green Events

Kayak on Kinder Lake… 11 am – 9 pm

Discovery Hoop Dance... 10:30 am – 11:30 am

June 15th

Mon.

Discovery Green Events

Kayak on Kinder Lake… 11 am – 9 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

June 16th

Tues.

Discovery Green Events

Kayak on Kinder Lake… 11 am – 9 pm

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

June 17th

Wed.

Discovery Green Events

Kayak on Kinder Lake… 11 am – 9 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

June 18th

Thurs.

Discovery Green Events

Kayak on Kinder Lake… 11 am – 9 pm

Sambuca Restaurant Live Music from 7:45 pm – 11:45 pm

Miller Outdoor Theatre ExxonMobil Summer Symphony Nights 8:30 p.m.

June 19th

Fri.

Discovery Green Events

Kayak on Kinder Lake… 11 am – 9 pm

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

Miller Outdoor Theatre… Houston's Juneteenth Celebration…7 p.m.

 

June 20th

Sat.

Discovery Green Events

Blissful Warrior Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 5 pm

 

KPRC 2 Blood Drive … 2:30 pm – 7 pm

 

Discovery Green Flea by Night presented by Green Mountain Energy… 6 pm – 10 pm

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

Miller Outdoor Theatre … ExxonMobil Summer Symphony Nights 8:30 p.m.

 

June 21st

Sun.

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

 

Discovery Hoop Dance... 10:30 am – 11:30 am

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

June 22nd

Mon.

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

June 23rd

Tues.

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

June 24th

Wed.

Discovery Green Events

Kayak on Kinder Lake… 11 am – 9 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

June 25th

Thurs.

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

 

Discovery Hoop Dance... 10:30 am – 11:30 am

Sounds Like Houston! Thursday Concerts presented by UHD… 6:30 pm – 9:30 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

June 26th

Fri. 

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

Miller Outdoor Theatre … ExxonMobil Summer Symphony Nights 8:30 p.m.

 

 

June 27th

Sat.

Discovery Green Events

 

Blissful Warrior Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 5 pm

 

Sambuca Restaurant Live Music from 8:15 pm – 1:00 am

 

Miller Outdoor Theatre … ExxonMobil Summer Symphony Nights 8:30 p.m.

 

 

June 28th

Sun.

Discovery Green Events 

Kayak on Kinder Lake… 11 am – 9 pm

 

Discovery Hoop Dance... 10:30 am – 11:30 am

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

 

 

June 29th

Mon.

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

June 30th

Tues.

Discovery Green Events

 

Kayak on Kinder Lake… 11 am – 9 pm

Circus Arts… 5:30 pm – 7:30 pm

 

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

May 2015 Events

by Brooks & Davis Real Estate Firm, LLC

2nd


5th Annual Houston Food Truck Fest | 05.02 | Stereo Live | #HFTF

 
 

 

 

 

 

 

 

 

 

7th – 10th

2015 Red Cat Jazz Festival Moody Gardens, Galveston Island, Texas

14th -17th


Houston Greek Fest 2015

 
   

 

21st – 24th


Carnival Houston 2015 (May 21 - 24) Memorial Wknd

 

 

 

 

 

 

 

 

30th

The Taste of Louisiana Festival 2015

 

 

 

 

 

 

Should You Buy a House Before You're Married?

by Brooks & Davis Real Estate Firm, LLC

Should You Buy a House Before You're Married?

 

1. What factors should you consider before buying a home together before marriage?

While you’re building a home together, you’re not technically bound together legally until you’re married. Protect yourself against any losses or discomfort in the future by making sure that both of your names are on the housing deed. In the event that the unthinkable happens (i.e., you break up) you will both have an equal stake in the sale of the house and its contents.

2. Should you and your significant other combine finances, or keep them separate until marriage?
This is a personal choice, but we recommend keeping one spending line and one savings line just for you. Again, you’re in love and we hope you stay that way, but in lieu of a formal divorce should you break up you want to have assets in your name, at your disposal. And you don’t want your credit score—aka your financial report card—tied to someone else’s finances, just in case. Tackle housing costs, groceries, auto maintenance, etc. together, but your personal savings as well as the “fun stuff”—clothes, salon visits, travel—is on you.

3. What should you know (financially) about each other, and how do you start that conversation?
When to bring it up: Early on! Better to get any uncomfortable or even embarrassing news out on the table before things get serious enough for it to become a deal breaker. This is where you could make known any unusual health conditions, family irregularities, or even past relationships that may come up in the future. And, of course, any pesky credit card debt, student loans, or financial goals that are important to you.

How to bring it up: This is a delicate topic for men and women. So set yourselves up in a mutually comfortable, non-chaotic and un-rushed environment. The important thing to convey and establish here is sincerity. Men: give your girlfriend a realistic idea of your financial status so that it is never assumed you are in a position which you are not. You don’t want to start the relationship by setting unreal expectations from her — and hey, if she doesn’t love you for you no matter how heavy your wallet is, it may not work out anyway. Women: It is more appropriate for you to reveal your financial status by showing him than telling him. This way, you can make your situation obvious without bruising his ego or threatening any dynamic perceptions he might have.

4. How might the decision to buy a house change our relationship, and how can we work through it?
It sounds cliché, but communication is key, especially when it comes to money. Don’t ever assume that your significant other understands your financial picture and mores simply by osmosis. Set goals—together. Discuss what your goals and purposes are for the relationship. Whether it’s just for fun or for life, being on the same page with your goals and purposes aligned is key to the success and longevity of the relationship.

—Nicole Lapin The Bridal Guide

Need Something To Do in the City... Check Out April Events!

by Brooks & Davis Real Estate Firm, LLC

April 2015 Events

April 2nd

Miller Outdoor Theatre… Legally Blonde the musical

 

April 3rd

Miller Outdoor Theatre… Legally Blonde the musical

 

April 4th

Discovery Green Events

Blissful Warrior Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 5 pm

 

Miller Outdoor Theatre … Legally Blonde the musical

 

April 5th

Sambuca Restaurant Live Music

Easter Brunch Featuring Tianna Hall 10:30 am – 3:00 pm

 Live Band Jawad  7:00 pm – 11:00 pm

 

April 6th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 7th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 8th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 9th

 

Miller Outdoor Theatre… Legally Blonde the musical

April 10th

 

Miller Outdoor Theatre… Legally Blonde the musical

April 11th

Discovery Green Events

Blissful Warrior Yoga… 9:00 am – 10:00 am

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 5 pm

 

Brenner’s Wine Fest… 3:00 pm – 6:00 pm

 

Miller Outdoor Theatre … Legally Blonde the musical

April 13th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 14th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 15th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 18th

Discovery Green Events

Blissful Warrior Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

Kayak on Kinder Lake… 11 am – 5 pm

April 20th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 21st  

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 22nd

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 24th

Texas Crawfish & Music Festival in Spring, Tx

Date: 4/24/15 - 5/3/15
Hours: Fridays - 6pm - 12am, Saturdays - 12pm - 12am, Sundays - 12pm - 6pm

April 25th

Discovery Green Events

Blissful Warrior Yoga… 9:00 am – 10:00 am

 

Young Writers Workshop… 10:30 am – 11:30 am

 

Recycling Saturdays… 11:00 am – 2:00 pm

 

Kayak on Kinder Lake… 11 am – 5 pm

Walk with Me Houston... 5k or Family Fun Walk 8 am - 12 am @ the Houston Zoo

2015 Donate Life Texas 2nd Chance Run 5K begins at 8 a.m. 1-Mile begins at 8:15 a.m.

 

Texas Crawfish & Music Festival in Spring, Tx

Date: 4/24/15 - 5/3/15
Hours: Fridays - 6pm - 12am, Saturdays - 12pm - 12am, Sundays - 12pm - 6pm

April 26th

3rd Annual Houston Barbecue Festival at NRG Times: 1-5 pm, VIP entry at 12 pm.

Texas Crawfish & Music Festival in Spring, Tx

Date: 4/24/15 - 5/3/15
Hours: Fridays - 6pm - 12am, Saturdays - 12pm - 12am, Sundays - 12pm - 6pm

April 27th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 28th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

April 29th

Sambuca Restaurant Live Music from 7:15 pm – 11:00 pm

 

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Contact Information

Brooks & Davis Real Estate Firm, LLC
2600 S Loop W, Ste 310
Houston TX 77054
713.665.8329

 

Michael G. Davis (Designated Agent) - info@brooksanddavis.com
Brooks & Davis Real Estate Firm, LLC - (OSP)
2600 S Loop W, Ste 310
Houston, TX 77054
713.665.8329