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Sam Hayes

Sam Hayes is a content contributor associated with Semify, a U.S.-based digital marketing and SEO agency founded in 2008 (originally as HubShout) and based in Rochester, New York. Semify’s editorial team specializes in researched, reader-focused articles on personal finance, consumer topics, and practical lifestyle advice. Their writers and strategists operate entirely in the United States and emphasize accuracy, clarity, and usefulness. Content published under this byline is developed by Semify’s professional writing team.

Financial Education

The Importance of Financial Health When Purchasing a New House

May 11, 2021
By Sam Hayes
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When you are looking to buy a new home, it's important to have your money matters in a healthy position. It's not enough to just afford the down payment and the monthly mortgage payments. The best way to go into homeowning is to be feeling stable and … [Read more...] about The Importance of Financial Health When Purchasing a New House

Small business

Cut Costs and Expand Your Business With These 5 Tips

May 3, 2021
By Sam Hayes
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To expand your company today, it is imperative to be more strategic than ever. You must be as efficient as possible when it comes to costs, time, and more. The following includes five tips to expand your business and reduce costs. … [Read more...] about Cut Costs and Expand Your Business With These 5 Tips

budgeting

Simple Ways to Boost Your Financial Security

April 29, 2021
By Sam Hayes
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The journey to financial security isn't easy, especially when you're dealing with debt. The good news is that there are a few ways you can help to make yourself a little bit more financially secure so you can breathe easier when you pay your bills … [Read more...] about Simple Ways to Boost Your Financial Security

Home

Your Financial Guide to Buying an HOA Property

March 10, 2021
By Sam Hayes
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Approximately 35.5 million Americans move each year -- and the COVID-19 pandemic certainly hasn't slowed anyone down. In fact, the U.S. real estate market is scorching hot. That means that competition is fierce. In order to secure the home of your … [Read more...] about Your Financial Guide to Buying an HOA Property

Mortgages

House Hunting on a Tight Budget: 3 Tips to Help You Navigate the Market

March 8, 2021
By Sam Hayes
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It's no secret that buying a home for the first time is a challenging process. Not only do you need to figure out when the best time is to invest in a home but you also need to determine the best area, too. Certain towns have higher property taxes … [Read more...] about House Hunting on a Tight Budget: 3 Tips to Help You Navigate the Market

Home • Insurance

Your Guide to Home Insurance Claims, Repairs, and Payouts

February 15, 2021
By Sam Hayes
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In 2019, approximately 5.34 million existing homes were sold. And while you might not expect to deal with any major property damage upon moving into your new digs, the reality is that you never know what Mother Nature might do -- or what problems … [Read more...] about Your Guide to Home Insurance Claims, Repairs, and Payouts

Home

How to Keep Your Pipes From Freezing (And Save Money) This Winter

February 4, 2021
By Sam Hayes
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The average U.S. household mortgage debt equates to $189,586. So if you're like most American homeowners, you'll want to do everything possible to save money whenever you can. Unfortunately, surprising expenditures tend to pop up during the colder … [Read more...] about How to Keep Your Pipes From Freezing (And Save Money) This Winter

Saving Money

Moving On the Cheap: How to Save Money When Relocating

December 23, 2020
By Sam Hayes
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Whether you like it or not, change is a part of life. And for many people, that change comes in the form of moving to a new home. In 2017, roughly 11% of the population relocated for a variety of reasons. From shifts in employment status to making … [Read more...] about Moving On the Cheap: How to Save Money When Relocating

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