From the list of terms to the array of loan choices, the mortgage process can seem overwhelming and complicated. It also doesn't help that there are a lot of misconceptions about mortgages.

"I'm bored; there's nothing to do." It's that dreaded phrase that every parent will hear at one point or another during summer vacation. The painful truth is, with the structure of the school day gone, many kids and parents can struggle with how to fill the extra time.

Warm sand. Cool breezes. Refreshing water. With so much to offer, it's no wonder why folks love to spend summer days relaxing at the beach. A day at the beach is a great way to connect with your family and friends, take in the wonders of nature, and unplug from your electronics. But before you put your toes in the sand, be sure to prepare with these helpful tips to help you make the most of your beach getaway.