Zachary Spiak Licensed Real Estate Salesperson

No. 4: Don't move debt around!

6 Small and Easy Steps to Improve Your Credit Score The best way to improve your credit score is simple, but not always that easy: Reduce your debt. Pay...

Here are some financial priorities newlyweds can keep in mind.

Financial Priorities for Newlyweds Deciding where to live, if you’re going to have children, and who takes out the garbage are some of ...

Did you know you can make your home eco-friendly and save money at the same time? Here's how!

How to Save The Earth and Your Wallet For many people, adopting an eco-friendly lifestyle is high on the list of worthwhile efforts. For o...

Did you know you can gift savings?

Contribute to a 529 College Savings Plan With Gift Cards Parents contributing to a 529 college savings plan may find it difficult, if not a little time-consu...

The steps you're taking to improve your credit score may be doing more harm than good. Find out exactly what the rating agencies look for.

Fast and Easy Ways to Improve Your Credit Within Months Improving your credit score can take a few months. So if you’re looking to get an auto or home loan,...

Do you have a low credit score? A secured credit card can be an easy way to improve it.

How a Secured Credit Card Can Help Your Credit One of the easiest ways to build credit and improve a credit score is to open a secured credit card....

Saving money can be tough, but having these accounts will go a long way toward making sure all your bases are covered.

5 Bank Accounts Every Family Should Have Having all of your family’s money in one bank account can make keeping track of your money easier, b...

Retirees, consider saving money by moving to a smaller home or a less expensive location!

Nearing Retirement but Haven't Saved? 4 Smart Solutions If you’re nearing retirement and haven’t saved much for it, you’re not alone. Forty-eight percent of...

State-sponsored 529 accounts are a tax-free way to pay for a child's college education.

Getting the Most Out of Your Child's 529 Plan to Pay for College State-sponsored 529 accounts are a tax-free way to pay for a child’s college education. Opening an i...

Are pink and aqua the new neutral? Retro colors are back!

Retro Colors Make a Comeback: What's Hot in Decor Right Now Everything old is new again, and that goes for decorating with color. While the last decade in home ...

Everything in your home should have a place. Even those pesky, unsightly cables.

Minimizing Clutter by Maximizing Storage Looking for space to store your things at home? Everything you own is competing for space in your ho...

Taking a driver safety course can reduce your premiums by 5 - 15. Find other great money-saving ideas here.

How Seniors Can Save on Car Insurance Auto insurance rates typically rise for senior citizens, who can be more accident-prone than they we...

Do you really need to call a repair service? Check out these quick, simple fixes for common household problems.

Quick Fixes for Your Common Household Problems It may seem like there’s always something going on as a homeowner, from silencing a squeaky hi...

Check out these quick tips for paying down debt. What do you think?

3 Ways to Pay Down Your Debt Faster When we think about lottery winners, we likely imagine new cars and mega-mansions. But according to ...

Closing a credit card account can hurt your credit score, but there are other options if you no longer use it.

What Happens If You Cancel a Credit Card? Canceling a credit card that you rarely use or have paid off can feel good. It can give you a sense ...

Knowing how much money you have in the bank is just the start to early retirement planning.

A Checklist for Retiring Early Retiring early is a great idea if you can afford it. Unfortunately, few people plan for retirement a...

Have a medical bill with an upcoming late payment date? Take care of it before it impacts your credit.

How Unpaid Medical Bills Affect Your Credit Score Paying your medical bill is one of the last things on your mind when you’re at a hospital emergency ...

Some cost-saving steps to consider

9 Ways to Save on Life Insurance Buying life insurance can seem like a difficult and expensive endeavor if you haven’t done it before...

Did you know you can keep ants out of your kitchen with a lemon?

How to Keep Pests Out of the Kitchen No matter how much of a critter lover you may be, pests in your kitchen is never fun. But many consu...

Is your home aging-proofed? Read these tips on aging in place.

Aging in Place: Safety Tips to Help Make It Possible One third of American homes today house residents over the age of 60, and 90 percent of those reside...

Are you aware of the benefits your credit card offers?

Best Ways to Use Credit Card Concierge Somewhere on your credit card statement—or maybe even on the back of the card—is contact information...

Having trouble hitting your hydration marks? These tips might help.

Tips to Keep You Hydrated While we all know water is essential for our health, not all of us enjoy chugging those recommended ...

You have to be on the same page.

What Couples Should Discuss Before Retiring Compromise is an important part of marriage. From deciding how much to spend on a new living room se...

With no interest charged for a year or so, medical credit cards may be able to help pay your medical bills.

How Medical Credit Cards Work When it comes to paying an unexpected medical bill, there’s often no easy way to do it. Unless you h...

Feeling inspired by TV home flippers and looking to have a go yourself? Well it may not be quite as easy as they make it look on camera, but the latest blog on BerkshireHathawayHS.com sets out the basics that you’ll need to consider in order to be successful.

https://www.bhhs.com/blog/blog-detail/2023/06/is-home-flipping-a-good-idea-.html?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2023

If you have any questions after reading, let me know! I’d love to connect and discuss your plans.

🖥️ https://www.bhhs.com/blake-realtors-ny306/albany/zachary-spiak/cid-3051142?utm_source=facebook&utm_medium=social_media&utm_campaign=soci&utm_date=July2023
📧 [email protected]

Home Zachary M. Spiak was born and raised in the Capital District, grew up in Niskayuna, and graduated from Colonie High School. He recently graduated from The College of Saint Rose with a Bachelor of Science degree in Marketing that included a concentration in Sales. He expedited his graduation process....

Keeping track of every single dollar you spend can be difficult, no matter how closely you track your spending and monitor your bank accounts.

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Whether you’re celebrating with a family barbecue, a spectacular firework display, or just some expert American flag placement, wishing you a wonderful Independence Day! 🇺🇸 🇺🇸

As mortgage rates rise, lenders and sellers are getting creative in order to keep the housing market moving. Find out the various options available to buyers in the Berkshire Hathaway HomeServices 2023 Real Estate Report. Just head to BerkshireHathawayHS.com to read.

Any questions? Get in touch!

Looking to invest? Here's what you need to know.

Growth vs. Value Investing: Know the Differences Your investing style and tolerance for risk can help determine what type of stock mutual funds you i...