Are you stuck deciding between using a debit card or a credit card? 💳💰 In this episode of State 48 Homeowner, Scott Kooiman breaks down the pros and cons of both to help you make the smartest financial choice for your situation.

✅ Learn the Basics:

What makes debit and credit cards different?
How each impacts your spending, budgeting, and financial future.

✅ Credit Card Advantages:
Build credit history and boost your credit score.
Earn rewards like cashback and travel points.
Gain fraud and purchase protection for safer spending.

✅ Debit Card Advantages:
Avoid debt and interest charges.
Stick to your budget by spending only what you have.

💡 Plus, stick around for 3 surprising ways cash can help you save money, from avoiding fees to negotiating better deals.

Whether you're trying to build credit, avoid debt, or just maximize your financial potential, this video is packed with actionable tips to help you use your cards—or cash—wisely.

📌 Got questions? Drop them in the comments! Don’t forget to like this video, subscribe to our channel, and hit the notification bell for more expert insights every week.

Listen Now and take control of your finances today!

📈 What’s next for the Arizona real estate market in 2025? Whether you’re buying, selling, or just curious, this episode of the State 48 Homeowner Podcast dives into what you can expect for the year ahead.

Join host Scott Kooiman and a panel of real estate experts, including Kraig Klaus, Twila Edwards, Rick Collins, Rob Martin, and loan officer Steve Farrington, as they explore:

✅ Inventory trends and how they’re shaping the market.
✅ Interest rate projections and their impact on buyers and sellers.
✅ Pricing predictions and why a crash isn’t in the cards.
✅ The rise of multigenerational living and shifting demographics.

🌟 What’s in store for 2025?

→ Inventory: Gradual improvements with increased housing starts.
→ Interest Rates: Expected to trend down to the low 6% range.
→ Home Prices: Steady growth of 2-3%.
→ Sales Volume: A projected increase in both resale and new home sales.

💡 Actionable Tips for 2025:

Buyers: Get pre-approved, save more, and be ready to act fast when you find the right home.

Sellers: Take advantage of improved demand by focusing on pricing and presentation.

Everyone: Work with an experienced local agent to navigate a market that varies by neighborhood, property type, and price point.

Whether you're planning to move or simply staying informed, this video is packed with insights to help you make smarter decisions in 2025.

📌 Don’t forget to like, comment, and subscribe! Share your biggest questions about the Arizona real estate market below—we’d love to hear from you!

🔔 New videos every week.

Are you an Arizona homeowner wondering how to care for your pool and hot tub during the winter months? Even though our winters are mild, your pool and hot tub still need proper maintenance to stay in top condition. In this episode of State 48 Homeowner, we sit down with pool expert Nate VerWoert, owner of True Lagoon Pools, to share essential tips for winter pool and hot tub care.

Discover why it's important to keep your pool water circulating, how to adjust your chemical usage during cooler temperatures, and key steps to maintain your pool equipment even when it's not swimming season. Nate provides valuable advice on managing heated pools, including the differences in chemical treatment and the impact on your energy bills.

Thinking about enjoying your hot tub this winter? Learn how to keep it clean, efficient, and ready for those chilly Arizona evenings. Nate covers everything from cleaning filter cartridges and balancing water chemistry to maintaining the right temperature and using a hot tub cover to save energy.

Stay tuned as Nate reveals the top three mistakes to avoid with your pool and hot tub during the winter. Whether you're a seasoned pool owner or new to maintaining your outdoor oasis, this video is packed with practical tips to help you protect your investment and enjoy your pool and hot tub all year round.

If you find this video helpful, please give it a thumbs up, subscribe to our channel, and hit the notification bell so you won't miss our weekly videos offering valuable insights for Arizona homeowners. Got questions about winter pool or hot tub maintenance? Drop them in the comments below—we'd love to hear from you!