Winter has finally settled in, and it’s not going away anytime soon. Sure, we’ve gotten a few short reprieves from the bitter cold and icy precipitation so far, but we have a long way to go before spring arrives. Fortunately, there are a few simple things you can do at home to help you stay cheerful and ward off those mean ol’ winter blues.

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Instead of decorating your home for the holidays, why not buy a new one? While winter is part of the off-season in real estate, many buyers find that it's the perfect time of year to buy the home of their dreams. After all, you'll have a lot more fun decorating a new home than your current one. Here are some reasons to consider buying real estate in the off-season:

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Q: I will soon make our final mortgage payment. My wife will retire in two years and I will work to age 67. We are both 60 today. Because I don’t get a pension I really have been looking forward to this final payment. We bought the house 25 years ago, but I shortened the term of the loan by refinancing to a 15-year loan in 2003. Are we doing well to have the mortgage paid off by age 60?

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