As a realtor, you have a scope of services that you can provide to a seller: listing the property, marketing and showing the home, negotiating with buyers, filling out the purchase contract. However, short sales transactions have tax, credit, and legal consequences. A good place to start would be to have your seller look for answers from trusted sources, such as the HUD web site: www.hud.gov. This website has general information about the...more
If you are considering purchasing stock plans from an internet site or from a book, make sure you are aware of what you are getting and its value to your project."Stock Plans" are building plans which you can order from a magazine, catalog or website. Some builders offer stock plans, as well. Though not custom designed for you, homes built from stock plans can be very nice and quite appealing.Stock plans can certainly be a great way to obtain...more
Debt settlement can get you out of debt more quickly than most other debt relief alternatives, but it has consequences and should be considered only as an alternative to bankruptcy. At the current time, debt negotiation services are quite popular and they are spending a lot of money on advertising. They do not go out of their way to let you know about the disadvantages associated with using their services. Follow these steps for negotiating your debts on your own.1. Contact the lender and let them know you want to settle your debt and offer them what you can afford to send them on that day. If you are not several months past due, the lender is probably going to turn you down. Do not give up and do not avoid their calls. They will eventually settle with you, but it may take a number of months until they do.2. Get all payment agreements in writing and be prepared to make payment at the time the settlement amount is agreed upon. It is essential to get a "release of debt" form and a receipt. You want to make sure these documents are kept in a safe place. The chances are good that this will not be the last time that someone will try to collect on this debt.3. Request that the lender...more
Recently restrictions have been placed on banks that will limit the size of the institution among other things. While we have to have these institutions to make our economy complete, I feel that these organizations do have too much power. When lenders can close accounts, reduce credit limits or raise the interest rates of account holders that have...more
So, how much debt can you bear? Some experts say to never carry over any amount on your credit card from month to month; others allow 35% of your total credit limit; still more experts argue that you can carry up to 70% over each month on your credit card, depending on the purchase. (One thing we know for sure is that credit card companies will...more
Debt is a difficult thing to go through in life and our leads need help.On one end, lead generation companies consider each lead a number. They think, Oh thats just one more person we make money off of. However, let me explain the mind set you need to be in when you purchase debt leads.When buying debt leads, you need to put yourself in the potential customers shoes. Do you want a sale? On average, our clients close at around 7 to 8 percent. Some, however, close at 10 percent! How do they do this?The answer is simple, because they care about the debt lead. Everyone wants to make money, from gardening to professional boxing. However, how you go about your job will determine the enjoyment of your life and the money you make. Our clients that close at 10 percent love their job, and care about our debt leads. They want each and every person to be debt free.When clients come to us asking for debt leads we tell them to treat our leads with care. If you care about the customer they will want your services. It takes time to figure out how to sell to debt leads. But once you do, you will make the customer happy as well as yourself.The amount of personal debt this country has is increasing...more
You have chosen to buy a pellet stove. Realize to start with that you've done something very wise. These wonderful items can heat an entire home to a nice level at a cost you won't believe. A pellet stove does not cost much to operate and it is...more
Senior Almost Homeless in $900,000 Home and Can't RefinanceIn many situations, seniors might not qualify for a refinance because of their fixed incomes and may not even qualify for reverse refinance because of lack of equity. However, many times they...more
Cheap diamond rings are the ones that can make a woman smile and they would be a great gift for all special events and occasions. Diamonds are beautiful and eternal and you can express love for the woman in your life with a beautiful diamond ring....more
For anyone who wants to try out some roller skates, there are a lot of varieties which are available on the internet. They can be used for all kinds of sports, like polo or just figure skating, but primarily they give fun to even the amateur. After...more
Step 1 Be RealisticIts important to not allow your financial goals to overwhelm you. Making a big purchase, whether it be for a home, a holiday, renovations, or simply birthday gift for a loved one, shouldnt be something that affects your long term...more
Over 80% of Americans have personal debt. It's getting to the point that it's not a question of if someone hasn't personal debt, but just how much. But you want to shift from the majority to the minority, and get rid of your personal debt. How do you...more