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5 Reasons Why Your Home Isn't Selling

Wednesday Aug 22nd, 2018

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You've put your house on the market, and you're ready to start spending all the money you know you'll make from the sale. There's only one problem. Your house isn't selling.   After trying to figure out why buyers are so stubborn, you reluctantly start looking for tips. You've clicked on the right article. Here are 5 likely reasons why your home isn't selling.   Your Asking Price Is Too High   Almost everyone believes their house... [read more]

The Differences Between a Credit Freeze and Credit Lock, and How They Can Protect You from Identity Theft

Wednesday Aug 08th, 2018

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From your full name, to your address, to your social security number - almost every detail about you is stored in a database somewhere. This information floats around in digital clouds and servers, always at the risk of being accessed by malicious hackers. Given the importance of keeping your personal information safe, you should know what your options are. In particular, this article will look at the differences between a credit freeze and a credit lock, and how they can help to keep your... [read more]

House Flipping 101: How to Prevent Injuries During Demolition Days

Wednesday Jul 25th, 2018

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  Demolition days are a major perk for those engaging in house flipping. You get to smash kitchens, bathrooms, bedrooms, and living rooms to smithereens as you demolish the interior of the home you're flipping. Unfortunately for some home flippers, this gleeful process can lead to injuries and devastating trips to the emergency room. If you want to prevent demolition day injuries during your next real estate house flip, bear the following essential tips in mind.   -... [read more]

Real Estate: How to Refinance a Mortgage with a Bad Credit Score

Wednesday Jul 11th, 2018

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There are many excellent reasons a homeowner may look into refinancing their mortgage. To refinance means to replace your current mortgage with a new one, almost always with a lower interest rate. For people with a good credit history, this is a relatively straightforward process. However, for people with poor, little or no credit history, refinancing is somewhat more difficult and expensive; as with any other loan, interest rates are higher for people with bad credit... [read more]

6 Home Renovations That Will Increase Your Home's Value

Wednesday Jun 27th, 2018

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Home renovations can be an expensive and time-consuming commitment, and whether you plan on staying put for the long haul or flipping the house right away, it's worth knowing which renovation projects will provide a return on your investment. If you are looking for affordable ways to add value and curb appeal to your home, consider some of the renovations below.   Replace the Front Door   Your front door is one of the first things that prospective buyers will see, and... [read more]

Things to Consider Before Moving Into an Over-55 Community

Wednesday Jun 13th, 2018

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Many people, as they approach retirement age and the kids are gone, begin thinking about downsizing. One of the more popular choices for reduction is moving to one of the over-55 communities that are springing up all over the country. That may or may not be the right choice for you. Here are a few things to consider before moving into an over-55 community.    •    Understand the facility's management. One thing that is nice about most of these... [read more]

How to Know If You Should Buy a Home or Continue Renting

Wednesday May 23rd, 2018

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While owning a home and a plot of land was once part of the 'American Dream' for many people, the times have shifted. The global financial crisis which resulted in a massive shift in the housing market has resulted in more US households renting today than at any point in the last 50 years. There are pros and cons for renting and buying a home. This article takes a look at some factors you can consider when making that decision.    Examine your finances   A... [read more]

Great Buy on a Home? - Don't Expect the Appraisal to Prove It

Wednesday May 09th, 2018

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Buying a home can be fun and exciting, especially when you drive a hard bargain and get that seller over a barrel.  You did your research, caught a home with higher than average days on the market, and the seller was getting a little desperate.  You made a low first offer, just short of so small they would tell you to take a hike.  After some back and forth, you seal the deal at a price you know is more than 10% below the real market value of the home.   Now... [read more]

Tips to Ease the Moving Process Along

Wednesday Apr 25th, 2018

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Moving can be a stressful process, no matter how far you are traveling. Planning your move minimizes the stress associated with this task while also simplifying the process. Here are several tips that can help you get through your move with relative ease. 1. Begin with a Moving List   Gather all of the information you need together in a single file. Use the computer or paper, depending on which is easier for you, to create a list of moving companies in your area, supplies... [read more]

Planning to Refinance Your Mortgage? Ask These 4 Questions First

Wednesday Apr 11th, 2018

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Deciding to refinance is a crucial financial move that can help you make significant savings. When you plan properly, do your research, and take time to evaluate where you stand financially, you'll be able to determine whether refinancing is actually a sound financial decision for your particular situation. To help ease the decision-making process for you, here are several important questions to ask yourself before committing to a new loan agreement. Do I intend to stay in my home... [read more]

Five Things to Consider Before Flipping a House

Wednesday Mar 28th, 2018

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House flipping can be a tempting way to make fast money, but not every fixer-upper has the potential to be profitable. Here's five things to consider before buying a property to flip.     1. Time   Television shows can make it seem as though house flipping is easily achieved with a hammer and some paint rollers. However, the reality of the situation is usually much different. Most houses purchased at a rate attractive to flippers will need major work... [read more]

Thinking of Buying a Home? Ask Yourself These Questions First

Wednesday Mar 14th, 2018

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Many people simply assume that buying a home is always better than renting, but that is not always the case. Owning a home makes sense in certain circumstances, just as renting is a smart move in others.     If you are thinking about buying a home, there are a number of questions you need to ask yourself before you call a real estate agent. Making an honest assessment of yourself, your finances and your goals can steer you in the right direction. So can asking the... [read more]

How to Maintain a Good Credit Rating Throughout the Year

Wednesday Feb 28th, 2018

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If you want to make it easier to get an auto loan, mortgage, or new credit card account, you need to maintain a good credit score. It's easy to do so, particularly if you follow the tips presented here. Paying Your Bills on Time Even a single late payment can affect your credit score adversely, so just imagine how much of an impact several late payments each month can have. Not only must you pay your credit card bills on time, but you must make prompt payments on all of your... [read more]

Four Strategies That Can Help You Get Approved for a Mortgage

Wednesday Feb 14th, 2018

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  So, you've decided to take the big step and look into getting what will likely be the biggest loan of your entire life: a mortgage. Applying for a mortgage can be a bit of a nerve-wracking process, especially if your financial history is anything less than perfect. However, you shouldn't let a few denials get you down. There are always some things you can do to regroup, reorganize, get a better handle on your finances, and improve your chances for an approval with your next... [read more]

Looking to Invest? Pay Down Your Mortgage Instead

Thursday Jan 25th, 2018

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  With all the gloomy news about pension plans in the press you may be worrying whether you should actually be investing in a pension plan or not. A new wave of thinking suggests possibly not. There may be good news ahead, particularly if you already have a mortgage. Current advice is leaning towards encouraging people to pay any extra money they may have back into their mortgage, rather than opting for other investments that may come attached with a bit of a gamble. The economy is... [read more]

The Advantages and Disadvantages of Buying a New Home vs an Existing Home

Wednesday Jan 10th, 2018

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If you're planning on investing in real estate, then you're going to have two main options: to buy an existing home or buy a new home. An existing home is a house that has been lived in before, whereas a new home is a house that has just been constructed and has never been lived in, although the term also refers to houses that are still in the pre-construction phase. There are a lot of advantages to buying a new home, but you may want to consider the drawbacks as well before you make a... [read more]

Can You Afford to Buy a New Home?

Wednesday Dec 27th, 2017

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Is Purchasing a New Home in Your Budget?   If you're throwing your hard-earned money away on rent each month, putting that same amount towards your own home could be an incredible advantage. However, it's also imperative to consider whether you can afford the costs associated with a mortgage, property insurance and potential repairs that might be necessary in the future.     Buying a starter home doesn't have to feel like an overwhelming experience.... [read more]

What to Look for When Buying Your First Home

Wednesday Dec 13th, 2017

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Buying Your First Home – What You Need to Look Out For   Buying a first home is an exciting time in an individual's life. You may already have a family that needs more than simply being a good structure to protect against them against the elements. In addition, making sure your first home is a good investment can also secure your financial position in the future. Home seekers should consider a number of important points when looking for their first... [read more]

Seven Inexpensive Home Staging Ideas for a Quick Sale

Wednesday Nov 22nd, 2017

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When your home is on the market, first impressions matter more than ever. If a potential buyer doesn’t like what they see in the first few minutes, that bad start could color the rest of their experience.   If you want your home to sell fast and for top dollar, you need to look at the property through the eyes of a potential buyer. That can be difficult to do, but it is vital to ensuring a profitable sale.   You could spend hundreds of dollars on professional... [read more]

Credit Card Debt vs Mortgage Debt: Which Should You Pay Off?

Wednesday Nov 08th, 2017

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It's always a good idea to pay down your debt when you have extra cash on hand. However, as you get started, you will probably be faced with several types of debt you can work on, and it's hard to know which is best.   Your credit card has a maximum amount you can borrow and your monthly payments are based on how much you currently owe. Your mortgage, on the other hand, has the same payment amount each month and a fixed target payoff date; you don't add to the loan... [read more]

Buying Your First Home? Be Prepared for These 5 Startup Expenses

Tuesday Oct 24th, 2017

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If you are in the market for your first home, you’ve probably saved a substantial amount of money for the down payment. You researched closing costs, sought out the best deal on a mortgage, and maybe even found pre-approval before you started shopping. But have you thought about the other expenses of home ownership? These little expenses can take first-time buyers by surprise.     Here are five essential start-up costs that you need to include in your home... [read more]

Five Reasons Why You Should Have More Than One Bank Account

Thursday Oct 12th, 2017

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In today's tech world, being victimized by hackers can leave you penniless if you have only one bank account. The following five situations demonstrate how a having a backup account can keep you safe financially - and help you budget, too.   Security Accessing accounts using a phone can be very convenient, but mobile banking also leaves you more vulnerable to fraud and identity theft.  By opening a side account not connected to your gadgets, you can prevent hackers... [read more]

Preparing to Sell? Do This First

Wednesday Sep 27th, 2017

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So you've made the decision to sell your home. What you do to prepare - from the outside in - will make all the difference in whether prospective buyers choose to take a look.      First impressions matter. The goal is to get buyers past the front door, but you can't do that if they drive on by because they don't like the appearance outdoors. So spend a couple of weekends on exterior maintenance.    Clean the gutters of debris and... [read more]

4 Reasons to Say Yes to Good Credit

Wednesday Sep 13th, 2017

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Good credit is a necessity for acquiring many things in life. There are many important reasons for saying "yes" to credit. Below are some of those reasons, as well as ways to get and build your credit so that it's where you need it to be when you need a loan.     It Follows You Everywhere   Like it or not, your credit is going to follow you wherever you go. It's used to give you loans, get jobs, and verify that you are who you say you are.... [read more]

10 Mistakes First-Time Homebuyers Make

Wednesday Aug 23rd, 2017

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Buying your first house can be an exciting and stressful time. There are so many things to consider that you can find yourself getting overwhelmed. Here are some common mistakes first-time homebuyers make when they are looking to buy a house. They don't get pre-approved. Before you go out looking for a house, get pre-approved for a mortgage. This will give you an idea of what you can spend and what neighbourhoods you can look in. You don't want to get your heart set on a place... [read more]

5 Ways to Simplify Your Financial Life

Wednesday Aug 09th, 2017

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No matter who you are or what you do for a living, it can seem like your bank statements, credit card receipts, and other financial documents are burying you alive. If you are struggling under the weight of all that paperwork and looking for a way out, there are things you can do to simplify your financial life without sacrificing your long-term goals. Here are five great ways to simplify your financial life.     Use a single credit card. Using a single credit card is one... [read more]

5 Things First Time Home Buyers Should Do Before They Go Shopping

Wednesday Aug 09th, 2017

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Shopping for your first home is exciting, and it is only natural to want to get right to it. The idea of trading in that monthly rent check for a mortgage payment that builds equity and wealth for the future is certainly compelling, but there are some key things first time home buyers should do before they start driving around and looking at properties.     Buying your first home is a major commitment, and a big life change. Owning a home and renting are two very... [read more]

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