Rising interest rates are coming with a rising tide of advice to help home buyers and homeowners cope with the added expense.
      To allay some fears, Larry Goldstone president of Thornburg Mortgage, Inc., a Santa Fe, NM mortgage lender specializing in adjustable-rate mortgages (ARMS), says mortgage interest rates will remain relatively low historically.
      Even with higher rates, says Goldstone, ARMs remain a bargain.
      "The advent of adjustable-rate mortgages (ARMs), hybrid ARMS, and interest-only loans will continue to bolster the housing market as interest rates rise," Goldstone said. Furthermore, compared to rates as high as 18 percent 25 years ago, today's interest rates remain a bargain.
      A $320,000 mortgage in today's low-interest rate economy is the equivalent of a $100,000 mortgage with an 18 percent interest rate in 1981.
      "Buyers realize they can spend $200,000 more and actually pay about the same monthly payment as they were

     Buying a new home can be very exciting for adults, but it can evoke a whole lot of fear in children. Summer break is when many families decide to make a move since children are frequently on break. But regardless of the timing, it's helping children understand the reason for the move that will help pack away kids' moving blues.
      Some 10 million school-age children move each year in America, according to Gabriel Davis, author of The Moving Book: A Kid's Survival Guide. She writes about tips and activities that give children a little extra attention to help them better handle a move.
      Davis writes that giving kids something to focus on like a new activity that they'll be able to participate in, once they get to their new home, can help get them excited about the move.
      Helping kids deal with a move has a lot to do with how parents handle the move says Life Coach, Brook Montagna of Mindful Life Coaching. She believes easing children's moving blues starts with first addressing whatever factors are causing stress in the parents' lives.
      Have the Right Attitude
      "Lots of times we'll focus on how difficult this is going to be for the children, but we forget to manage our own stress and that kind of filters down to the kids," says Montagna.