budget: How to Stay Fit on a Budget - 08/28/08 03:33 AM
Many Americans are foregoing luxury expenses like high car payments, vacations, and gym memberships in order to combat the struggling economy and rising costs of everyday expenses like food, gasoline, and other essentials. Fast food restaurants are beefing up their value menus in attempts to lure budget-conscious consumers through the door, … (0 comments)
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budget: How to Eat Well Without Overspending - 08/28/08 03:21 AM
With living costs rising at a seemingly constant rate, simple, everyday expenses are getting more and more difficult to accommodate, and many people are finding their budgets getting tighter than ever. While there are plenty of areas people can trim their budgets, such as spending on entertainment or shoe shopping, the … (2 comments)
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budget: Energy Efficiency - 08/26/08 07:19 PM
Three simple ideas to help reduce energy usage and costs :
Unplug electric items not in use:
Toaster
Cell Phone Chargers
Power Adapters
Appliances Not In Use
Lamps Not In Use
Reduce Drafts
Plug Leaks
Use expanding foam to fill gaps, especially between your homes living spaces and unheated areas such … (1 comments)
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budget: Down payment assistance will be eulogized no more. Solutions exist! - 08/22/08 03:46 AM
I hereby declare that from the 21st of August, 2008, I will move on from down payment assistance. Now, I'll focus not on bad-mouthing, I will focus on the solutions below...
Our politicians did what they did and come October 1st, things will be different.
Just like I would … (28 comments)
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budget: I.O.U.S.A. - The movie- America's Financial Meltdown - 08/21/08 01:44 PM
Warren Buffett will be on "Squawk Box" on CNBC Friday Morning 6a-9a Live from Omaha. Mr. Buffett is a prominent feature in the upcoming movie "I.O.U.S.A." One Nation. Under Stress. In Debt. This film is an official 2008 selection for Sundance Film Festival.
Looks pretty interesting. The website has a two minute … (0 comments)
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budget: Learning to Bite the Bullet....and BUDGET! - 08/21/08 11:21 AM
I was reading an article on MSN this morning about housing prices nationwide and how the economic slump has affected all classes even the wealthy. This one statement jumped out at me:
In Denver:"Don't be fooled, Stan and Christine Penton say. Regardless of income, everyone has been hammered by the surge … (4 comments)
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budget: How to Avoid Over-Spending - 08/20/08 01:33 AM
Sticking to a budget can be extremely difficult particularly if your finances are tight and you aren't inclined to be particularly organized or disciplined. Never fear, even those of us who aren't prone to budgeting can do it successfully, so long as we know how to stay on track. True, that's … (5 comments)
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budget: How to Make a Budget (and Stick to It) - 08/15/08 02:23 AM
Responsible budgeting and money management are skills everyone needs to learn as is the discipline required to put these skills into action. Many people find it difficult to stick to a budget; oftentimes, this is because the budget they created is not realistic. Regardless of the economic climate, it is important … (1 comments)
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budget: Useful tips to Remodel Your Bathroom and Kitchen. - 08/13/08 10:41 AM
A
detailed
and well-chalked plan is a must for any bathroom and kitchen remodeling
project. If you
are the designer of your kitchen or bathroom or want to work
with a professional designer, the first step is formulating a plan.
You
need to find be realistic. You need to … (0 comments)
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budget: How to Avoid Pain at the Pump - 08/07/08 01:00 AM
Rising gas prices along with general increases in cost of living across the board are forcing many people to tighten their budgets and cut excess spending. In order to maintain a certain standard of living, people everywhere are looking for new ways to stretch their paychecks and make ends meet. While … (10 comments)
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budget: Save A Few Cooling $. - 08/06/08 09:53 PM
The Department of Energy suggest three things that one can do to save $ on summer cooling and winter heating.
The first of the three is to install a programmable thermostat and use it to automatically keep your home temperature while at work. Allow 10-15 degrees adjustment for day time application. … (1 comments)
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budget: What "necessities" can't you live without? - 08/03/08 07:21 AM
I've been reading about all the new "necessities" that people are beginning to give up as the economy gets worse. These include:
Cell phones
Gourmet coffee
Second car
Lawn service
Cable TV
Gym membership
Private school
Manicures & Pedicures
Botox
Bottled Water
I am guilty of using some of these and … (32 comments)
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budget: What does it take today? - 08/01/08 11:55 PM
In our new business planning class, we have agents look at budgeting as an essential piece of business planning. That may sound obvious, when creating a business plan, but I have been amazed at how many agents don't know their income YTD or their expenses YTD. The new 2008 NAR Member … (22 comments)
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budget: US Budget Deficit is $500 Billion this year. How are we affected ? - 08/01/08 11:57 AM
US Budget deficit expected to top $500 billion As reported by ABC news jul, 29,2008 , The United States Government estimates its budget deficit will soar to a record half a trillion dollars in the next fiscal year.
On top of all this ... FDIC has accepted into receivership 7 banks … (1 comments)
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budget: 3rd Anniversary for Orange County's Great Park... - 07/28/08 01:49 PM
Well, it's 6 years after the vote and that vote was a dilly. It was divisive to our county residents...those who wanted an airport to replace the El Toro Marine Base and those who proposed a Great Park theme as the logical and environmental alternative.
It's now 3 years in the … (0 comments)
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budget: Kitchen Remodeling Budget and Design - 07/23/08 03:35 PM
Kitchen remodeling is one of the most popular home improvement projects and is an excellent investment. However, before diving into a large kitchen remodel, carefully consider both budget and design.
When planning your initial kitchen remodel budget, it is useful to allocate 40-50% of your budget for cabinets, 20-30% for appliances, … (0 comments)
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budget: My First Deleted Comment!! On MARKETING nonetheless!!! - 07/21/08 10:30 PM
With all due respect to Linda Scanlan and her marketing blog entitled "You spend
WHAT on Marketing???", I don't mind saying that I feel a little perplexed
(actually a bit slighted) by her deleting a comment of mine this
morning. That's the first time I've ever had that happen
here…and I guess I’m a bit shocked!! … (23 comments)
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budget: Don't Give a Drunk a Drink..even with MONEY! - 07/17/08 03:19 PM
Ok this is a second blog on personal finances as so many of us are reactionary Realtors who know how to spend but not to save.
A listener called in to the Dave Ramsey program the other day complaining about his kid who had gotten himself into financial trouble..new car, new … (4 comments)
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budget: Open House ~ Sunday, July 21st ~ 2-4pm ~ Bellingham WA - 07/17/08 12:29 PM
2418 Spruce St
Bellingham, WA
OPEN HOUSE
Sunday, July 21
2-4pm
(Click on house picture to see agents listing!)
See what staging on an extremely tight budget can do for you! Visit the OPEN HOUSE for 2418 Spruce Street in Bellingham, WA on Sunday July 21st before 2-4 … (0 comments)
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budget: Are You Living Beyond Your Means? Are You Thinking of Buying a Home? Five Ways to Assess Your Finances - 07/16/08 09:49 AM
Are you living beyond your means? Now is the time to clean up your act!All the talk on the news lately focuses on the economic downturn and the soft real estate market. It seems as though these things have become a self-fulfilling prophecy -- the more they're talked about, the more … (6 comments)
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budget: Online real estate spending to surpass print by 2012 - 07/15/08 03:32 PM
"For listings in the $250,000-$500,000 range, agents spent an average of $682 per listing"
This is probably the bulk of the homes on the market in Baltimore at least. I wonder how accurate this study is.
I also wonder why if this statistic is true, so much more money is spent … (4 comments)
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budget: Why I LOVE ActiveRain - 07/15/08 02:53 PM
I am just amazed at the advice, ideas, and inspiration I get from the postings on the staging groups on ActiveRain.
A few weeks ago, I learned about MirrorMate frames, a wonderful way to update a plain bathroom mirror. I checked out the MirrorMate website and found examples of beautiful frames … (21 comments)
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budget: TAKE CONTROL OF YOUR FINANCIAL FUTURE- 4 STEP ACTION PLAN - 07/11/08 01:10 AM
TAKE CONTROL OF YOUR FINANCIAL FUTURE- 4 STEP ACTION PLAN
STEP #1- MAKE A BUDGET
TRACK YOUR SPENDING FOR AT LEAST ONE WHOLE MONTH AND KNOW WHERE EVERY DOLLAR IS GOING BY GOING THROUGH YOUR BANK STATEMENTS AND RECEIPTS
DO THE “SURVIVAL BUDGET” TO FIND OUT … (0 comments)
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budget: The Millionaire Realt Estate Agent Budget Model, Holding your money accountable - 07/09/08 03:53 PM
The Millionaire Real Estate Agent Budget Model
Cost VS Investment
Do you have a budget? Do you know where you money is going? Do you know your Return on Ivestment? If not, YOU NEED TO READ THE BUDGET MODEL.
The three key areas are
1. Lead with revenue... Don't spend … (2 comments)
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budget: Phoenix Real Estate Blog: The Ripples Continue - 07/03/08 11:25 AM
I like to mention it when Arizona gets some “Best of. . .” award. And there have been lots (see my blog post, From Best Cities for Jobs to North American City of the Future — Greater Phoenix Is It). Yet the other day we were ranked #1 on a … (0 comments)
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budget: Ratios, Ratios everywhere a Ratio - 07/01/08 04:56 PM
Everywhere, I look there is discussion about ratios. An agent texted me this past weekend about what "generic ratios" to use..... that is a loaded statement...... "generic ratios to use". After all there have been 2 excellent post about Rule of thumb being 3 Times income for a loan amount by … (3 comments)
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budget: Newsletter Series - Get Control of Your Finances in 2008 - Pt. 2 - 06/27/08 02:11 PM
I have been doing a series this year in my monthly newsletter about getting control of your finances. Here is article #2 of my series:
After you have kept track of your spending for a month, now it's time to:
2. SET A BUDGET
There are not many of us that … (1 comments)
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budget: Five Topics to Discuss With Your Real Estate Agent When Buying a Home - 06/26/08 04:30 AM
Whether you're ready to settle into your first home or looking to buy your fifth; are moving cross-country or cross-town, it's smart to identify which attributes of a new home are most important to you. Be sure to sit down with your real estate agent and discuss your needs and wants … (1 comments)
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budget: Business As Usual in NJ! - 06/25/08 06:00 AM
New Jersey's new budget (FY 2009) has been approved by the Senate and Assembly, and sent to the Governor for final approval. The $32.9 measure passed both houses of the Legislature Monday with little fanfare.
No so for the $3.9 billion school construction bonding bill which was hotly debated for more than … (0 comments)
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budget: Can NJ Government Abide by the Consitution? - 06/23/08 06:54 AM
Come on, it's NJ and our elected officials in Trenton are ready to borrow $3.9 billion without voter approval! Yes, this along with the state's $32.8 billion FY 2009 budget are up for discussion in Trenton today.
Governor Corzine will get most of what he asked for in the budget; cuts in … (0 comments)
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budget: Maui Home Buying Tip - start shopping for insurance NOW - 06/21/08 06:55 PM
Maui Home Buyers - Congratulations on finding a home that fits your needs and budget. but please don't wait until the last week of your transaction to start shopping for your homeowner's insurance. Start shopping as soon as you open escrow.
If you're getting a mortgage, the lender will require that … (8 comments)
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budget: Budgeting Basics Worksheet, REMAX Suburban - 06/21/08 12:37 PM
Budget Basics Worksheet
© Copyright, 2008, by the NATIONAL ASSOCIATION OF REALTORS®
… (0 comments)
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budget: Staging for the future... - 06/19/08 10:21 AM
It appears for the past year couple of years, we as stagers have been creating an awareness of the need for staging homes. In our quest for public responsiveness, we have inundated our Real Estate Agents with information regarding staging and its benefits. Some of us have joined teams and even … (8 comments)
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budget: Make a Unique Kitchen Table Out of a Door - 06/18/08 03:46 PM
For a kitchen table that is both eco-friendly and budget-friendly, consider reclaiming a old wooden door. With a bit of imagination, a few tools, and some time, you'll have a sturdy and original custom piece of furniture that will spark both conversations and imaginations.
The first step is to rescue a … (5 comments)
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budget: Don't Donate Until After The Home Stager Visits...Charity Begins at Home! - 06/16/08 02:18 PM
When it comes to my home staging business in New Hampshire, my tag line "creative and unique solutions one room at a time" is much more than just a tag line. As a home stager, it is a way of life.
I find that more often than not, creativity plays a … (8 comments)
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budget: The BIG "C" in the A.B.C's of Performance: COACH....BE COACHED! - 06/14/08 11:01 PM
Coaching
Whether you are new to the business or an experienced pro, coaching has been proven to increase performance levels by 20% or more - while increasing your personal lifestyle!
There are numerous coaches and types of coaching programs - each designed to fit a specific need, … (2 comments)
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budget: What’s Left in the Bank Account After You Pay Your Mortgage? - 06/12/08 02:21 PM
There was a very interesting blog on Zillow yesterday that talked about how much money the average family has left over every month after paying the mortgage, in different cities around the country. Check out Zillow’s chart: Source: Zillow.com
Source: Zillow.comThe relatively large amount of money left over at the … (2 comments)
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budget: Outer Banks: #1 for Budge Getaways - 06/11/08 09:35 AM
Don't Pass Up Your Vacation because of High Gas Prices!
The Outer Banks was just chosen as the #1 spot in Southern Living's "Top 10 Budget Getaways" list.
A vacation rental home on the Outer Banks is available for as little as $55/per night (per person) at Seaside Vacations.
With more … (0 comments)
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budget: Tips To Help You Start Your Home Project - 06/10/08 01:07 PM
Envisioning your new home or simply making improvements to your residence can be exciting and challenging. The new lighter shade of paint to go with the handsome leather couch, the mosaic tiles in the bathroom - these ideas can get stuck in the mind and leave you impatient to start and … (0 comments)
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budget: I'm in over my head! (Part One) - 06/05/08 02:45 PM
It's not just a few people...
I talk all day about real estate at work to clients, collegues and customers. I am pretty active in our local real estate market, and as often happens, friends, family, neighbors and acquantinces, want to talk real estate when they see me. That makes for … (12 comments)
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budget: Moving Budget - Quick Resource - 05/23/08 12:04 PM
… (4 comments)
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budget: Looking for the "Perfect" Home? - 05/22/08 11:10 PM
While driving through Atlanta, GA several years ago, I stopped at a red light. On the corner across from me was a church with a large sign above the front door that read, "The Perfect Church." I thought, "If I ever move to Atlanta, I know which church to join!" The … (1 comments)
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budget: Governor Corzine an Optimist - 05/19/08 10:22 AM
Wishful Thinking In New Jersey
It's May 19th and Governor Corzine is still hoping the New Jersey FY 2009 Budget will be adopted by June 19th. Based on the past performance of the New Jersey Legislature, that's unlikely.
Right now it seems to boil down to a few … (0 comments)
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budget: How To Take a Break When You Just Can't! - 05/18/08 10:21 AM
"I need a vacation!"
You've heard it before. You've said it before. And now, more than ever, you REALLY need a vacation! But the budget/time/etc. isn't right. What to do?
What makes a vacation helpful?
1) Time away
2) Time with family
3) Rest
4) Fun
5) New Perspective
6) Knowing … (11 comments)
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budget: Lunch on a Budget - 05/12/08 01:18 AM
Here is one for the rotisserie. I know this is a recycle of a post l already did, but I am playing around with video blogging. This is needed practice, working with my equipment and later editing down the tape I shoot in the field.
Ashtray Lunch - Lunch on a … (3 comments)
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budget: How Much will it Really Cost? - 05/11/08 08:06 PM
… (0 comments)
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budget: Are you Financially Ready? - 05/11/08 08:03 PM
… (0 comments)
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budget: Can Budget Cuts Create Early Freedom for Prisoners? - 05/08/08 08:12 PM
Lawmakers across the country are trying to save money with drastic and potentially dangerous budget cutting proposals by releasing thousands of convicts from prisons. Oh these Officials acknowledge that the idea carries some risks but say they have no choice because of huge budget gaps brought on by the slumping economy.
Perhaps … (1 comments)
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budget: Update on Vallejo, California - 05/07/08 02:12 PM
… (0 comments)
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budget: How About This for a Fiscal Stimulus Plan? - 05/05/08 01:34 PM
Maybe...just maybe if the govenment lifted some regulatory burdens temporarily or delayed the 'global warming act' just temporarily it could create fiscal stimulus far beyond what Bernanke and the Fed can't seem to get done...
There are many proposals at the State for some economic stimulus and they include eliminating red tape … (0 comments)
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budget: Is Becoming a Homeowner Part of Your Dream? - 05/04/08 07:26 PM
Life is full of opportunities, joys and surprises-college, the big job, the dream car, marriage, the new furniture, the sound system, and through education loans, credit cards, etc. you pay for them all. Then one morning there’s a phone call from a not-so-friendly collection agency, then another and another. Your … (0 comments)
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budget: When is Too Much, Too Much? - 04/29/08 09:46 AM
Our job is to sell houses and homes. How do we do this? By getting as many people in the door as possible to view the home. (Of course in the lux and high end markets or niche markets this is not the model). Technology will help you with this imensly … (1 comments)
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budget: Big impact for home Improvements small budget - 04/26/08 12:33 AM
We have all seen shows for home improvement some with large budgets some with small budgets. What they all have in common is the fact that there will most definitely be a cost. Since a large budget provides a limitless selection products and materials to make a big impact, we will … (1 comments)
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budget: Boosting staff morale on a budget - 04/25/08 11:22 AM
Boosting staff morale on a budget
Christian Piatt is the president of MyWordTree, providing writing, editing, marketing, web and graphic design services for small businesses. MyWordTree is currently offering a 10% discount on Branching Out, a weekly automated drip campaign service, with the promotional code "RAIN."
It’s not an easy … (0 comments)
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budget: To Tell or Not To Tell - 04/24/08 01:32 PM
So I have a contract in on a short sale in my county. My client likes two houses on this particular street the one we put the contract in on and the one right next door. They both are nice. I received a call today from the firm handling the short … (1 comments)
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budget: Tech 101-Part B - 04/24/08 09:23 AM
So someone asked what I use a portable DVD player for. Well, the first and easiest one is thta I have some promotional videos that I play for my home sellors when I am at a listing appoinment. I also will make up a loop of properties that will play or … (1 comments)
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budget: Hello California...Where Can I Retire There? - 04/20/08 02:16 PM
What better place to ask my fellow Brokers for advice than "in the Rain"? My aging parents are looking for a retirement destination and my husband and I are saving toward that iminent goal...(after all, the last 40something years just FLEW by, so the next several will. Every time I turn … (4 comments)
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budget: Where Do Consumers Cut Back When Budgets Are Tight? - 04/18/08 02:28 AM
Based on an article in the April 2008 issue of Residential Design & Build when budgets are tight homeowners start prioritizing where they want to put their money into their homes. So this is where the budget minded will wisely spend their money.
Square Footage-50%Finish Details-29%Landscaping-28%Home Electronics-24%Outdoor Living-18%Cabinetry-15%Countertops-14%Appliances-13%Plumbing Features-12%Flooring-11%Security System-10%Windows-9%Fireplaces-8%Decking-7%Roofing-6%Lighting-5%Interior Doors-4%Siding-4%Locks/Hardware-3%Structural materials-2%HVAC-2%
Visit www.RedesignEtc.com Houston's Home … (4 comments)
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budget: Your Knowledge, Your Future - 04/17/08 05:24 PM
On March 27, 2008 AZ Governor Napolitano proclaimed the month April 2008 as Financial Literacy Month in Arizona.
We all know there is no better time to focus on financial literacy with the average consumers debt and foreclosures on the rise. Everyone should know how to create a realistic budget even though … (4 comments)
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budget: Where the Dollar is Still Strong. 7 Countries where your dollar Goes a long way!! - 04/17/08 10:41 AM
Download the original attachment This just in !!! The Dollar is Still Strong!!!
Check out these 7 places where the greenback is worth a lot more than the paper it's printed on Argentina Why spend thousands in France when you can find the same vibe here? Buenos Aires (a.k.a. the … (0 comments)
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budget: Basking Ridge/Bernards Township, NJ - School Board Election/Budget Results - April 15, 2008 - 04/16/08 06:10 AM
Congratulations to the newly elected School Board Members:
Susan McGowanJohn RyanKen Wilke
Thank you to Monique Loh for her participation and running a great campaign.
Also the budget passed for the Bernards Township school district.
… (0 comments)
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budget: School Teacher Cut-Backs...Are On-Line Classes the Future? - 04/13/08 12:12 PM
Recently an OC School District, named Placentia-Yorba Linda decided to allow their high achievers an opportunity not to go to class! And by that I mean they allowed a class of their students to enroll in the first on-line class ever offered by the district.
Because the students are high achievers, their … (1 comments)
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budget: Condo or House? - 04/10/08 11:33 AM
More than ever before, condo ownership represents an appealing alternative to traditional home ownership for all types of residents. Though condos have conventionally been the choice of singles and families without dependent children, more traditional families have begun experiencing the unique benefits of condo ownership. However, condos are certainly not for … (0 comments)
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budget: Can I please ask Why? - 04/09/08 09:33 AM
The other day I got stuck on a show on HGTV for first time homebuyers. The show was called "property virgins." The couple was clearly scared out of their wits to buy their first property and are teamed up with a Real Estate agent who shows them three properties. In the end they … (10 comments)
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budget: The Ant and the Grasshopper Story as it Relates to Real Estate! - 04/08/08 04:32 PM
THE NEW LIBERAL VERSION OF THE SAME STORY
As a child one of my favorite stories was the "Ant and the Grasshopper!" Not only was it entertaining, but there was a lesson to be learned that has transcended millenniums! The story was one of Aesop's Fables! It is about an hard working … (17 comments)
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budget: California Budget Crisis in full swing!! - 04/06/08 01:43 AM
I know many of us have kids in the California School system. This is very very important. When the Governor gets more letters to save the forests than to save our schools, we have a problem!
The Governor's Budget Flunks the Basic Test of Government: It Hurts Our Children
The California State PTA … (1 comments)
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budget: Cash Flow Relief For My Real Estate Business! No More Car Payments! - 04/05/08 11:23 PM
As Realtors we are self-employed professionals responsible for all business related expenses. We're entrepreneurs and every dollar matters! Whenever you can effectively reduce your monthly overhead, it really helps to keep your business moving forward.
This month I made my last payment on my GMC Yukon XL. I can't believe I'll have … (4 comments)
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budget: The Solution - 04/04/08 09:31 PM
Solutions
1.) So what if there was a program that provided a "daily" reminder, or motivator of our goal? One that automatically adjusted to "life". One that kept us on track, because it continually reminded us of what we are trying to achieve. It had a "gauge" that told us, to the … (0 comments)
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budget: Man Was Meant to be a Social Creature...but it is SOOO Hard Sometimes! - 04/03/08 10:17 AM
Social Networking is the key to the next generation of marketing. You heard it here second,we spend so much money on mailings,cards, gifts and web sites and now we have the advent of social networking. A site like ActiveRain is a huge help in getting your name out there but more … (1 comments)
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budget: Why Is Home Staging So Profitable? - 03/28/08 11:36 AM
When a seller doubts the recommendation that their home needs staging, here is some valuable information to enlighten them on the value of home staging to their wallet.
How many articles about home staging do you think exist on http://www.realtor.org/? Over 900 articles!
Lack of time? Hire An Expert
Many Realtors focus on … (3 comments)
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budget: What a Tangled Web ...Site we Weave - 03/26/08 12:45 PM
So today I decided to update and fix my website. The site was set as an agent site to market me the real estate salesperson not me the real estate brokerage and its broker of record. So I decided it needed to be less about me and more about the company … (2 comments)
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budget: HIGHER OFFERS WITH CURB APPEAL TIPS - 03/20/08 09:51 AM
Hello everyone. I had the good fortune to speak at the 30th Atlanta Home Show last week before the weather closed the event. Since every home seller is trying to get top dollar for their home, they need to invest in items that will generate a good return for them. Here … (5 comments)
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budget: 7 Biggest Mistakes of Hoboken Condo Buyers - 03/17/08 06:11 PM
1. Location Location Location Location has been, and always will be, one of the most important factors in any real estate deal. From the time Hoboken was settled, the place to be was on the waterfront. That hasn't changed. If you're buying a condo in a marginal part of Hoboken, no … (0 comments)
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budget: Five Topics to Discuss With Your Real Estate Agent When Buying - 03/17/08 01:03 PM
Five Topics to Discuss With Your Real Estate Agent When Preparing To Buying a HomeWhether you're ready to settle into your first home or looking to buy your fifth; are moving cross-country or cross-town, it's smart to identify which attributes of a new home are most important to you. Be sure … (0 comments)
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budget: "Do's" to Raise Your FICO Score - 03/16/08 01:55 PM
Pay your bills on time. Delinquent payments and collections can have a major negative impact on your BEACON®, FICO® and EMPIRICA® score. · If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your BEACON®, FICO® and EMPIRICA® score.
· If you are having … (2 comments)
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budget: "Do's" to Raise Your FICO Score - 03/16/08 01:54 PM
Pay your bills on time. Delinquent payments and collections can have a major negative impact on your BEACON®, FICO® and EMPIRICA® score. · If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your BEACON®, FICO® and EMPIRICA® score.
· If you are having … (1 comments)
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budget: Davis...school district and real estate...there's a connection - 03/16/08 11:44 AM
Since the last Pioneer PTA meeting a few weeks ago, there has been much discussion on the school budget and what can, should, and will be done. Like any other budget we can either cut expenses, raise funds, or both. Budget cuts will have a lasting impact on my children (in first and … (0 comments)
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budget: Creating A Workable Budget for Yourself - 03/16/08 10:56 AM
How to establish and keep a budget Many people think that sticking to a budget means they won't be able to have the things they want. In fact, the opposite is true. A budget can help you preserve your lifestyle AND pay off debt while saving for the future. But if … (2 comments)
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budget: Creating A Workable Budget for Yourself - 03/16/08 10:54 AM
How to establish and keep a budget Many people think that sticking to a budget means they won't be able to have the things they want. In fact, the opposite is true. A budget can help you preserve your lifestyle AND pay off debt while saving for the future. But if … (1 comments)
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budget: Know Your Budget - 03/15/08 09:20 AM
Budget Basics Work Sheet
Buying a home requires much preparation before your become active in actually looking for that next home. This should be read to continue that preparation, and it fits nicely into my series: 8 Ways to Improve Your Credit, [pre-] First Things First: 8 Steps to Getting Your Finances in … (2 comments)
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budget: TV or Internet - 03/13/08 08:12 PM
I am faced with a challenge TV or Internet. I would like to get the most bang for my buck. Yet I would like to also get the maximum exposure and return on my dollar. If I advertise on TV I have an audience that is in my market with a … (20 comments)
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budget: A Bench at the Foot of the Bed - 03/10/08 05:06 PM
A bench at the foot of the bed is a real luxury. You can use it as a step-stool, a storage spot, extra seating, or just a nice detail for a room.
The super-low-slung bench shown in the top image is via Bo Concept. We like the idea of using it … (0 comments)
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budget: Clients say they can't afford to invest in home staging? Think again with these numbers. - 03/08/08 09:28 AM
"On an occupied $300,000 resale home in Atlanta that benefits from a half day of staging, the additional income made to the home owner can be as much as $17,000 and $29,500". Atlanta, Georgia - Homes Designed To Sell® an innovator of home staging and interior redesign services launched its Home Staging … (0 comments)
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budget: The Right Question: "How Much Do I Want To Spend On Housing Each Month?" - 03/06/08 09:33 AM
One of the most popular questions that home buyers ask real estate and mortgage professionals is "How much home can I afford?"
It's a normal question to ask, but it's not the most effective way to plan your finances.
Banks will almost always approve you for a home loan in excess of … (2 comments)
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budget: Saturday Night Go Karts Party - 03/05/08 12:41 PM
On your mark, get set, go!
Looking for a good way to exhaust that competitive nature? Are you up for some blood pumping adrnealine? I have an activity that will be right up your alley - racing alley...
Saturday night is go kart racing night! You can race your friends, co-workers or significant … (0 comments)
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budget: Ten Reasons Why a Client Will Not Work with You - 03/05/08 02:21 AM
If you're in the commercial real estate field, at some point you've questioned why a client didn't choose you to handle their real estate transaction. Here are ten possible reasons.
1. As a broker, you did not help your client manage risk. Clients have risks; that is the downside to a decision … (3 comments)
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budget: Dolcezza Will Be Making Parking Even Harder in Bethesda - 03/04/08 12:57 PM
Dolcezza, the charming little gelataria in Washington D.C. will soon be expanding. They will be opening up a second store on Bethesda road in April of 2008. The gelateria will be competing against the already well known and established local frozen delight vendors - Ben & Jerry's, Haagen Dazs, Gifford's and, … (0 comments)
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budget: Get Out and Stay Out of Debt - 03/02/08 07:19 AM
It is not always a lack of money that creates financial pressure. Many times it is simply a matter of attitude. It's the use of money and the attitude toward money that is the problem when overspending. There are many ways to get into debt but only one sure way to … (0 comments)
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budget: THE NEW BATTLE - 02/29/08 08:21 AM
THE BATTLE OF TRENTON CIRCA 2008
As required by the NJ Constitution, Governor Jon Corzine delivered his new budget (Fiscal Year 2009) to a Joint Session of the New Jersey Legislature the last week in February and the next few months promise to be battle filled.
In his budget message, Governor Corzine outlined … (1 comments)
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budget: Carlsbad Homes - What You Should Know About HOA Fees - 02/27/08 08:41 PM
Carlsbad home buyers often find themselves confronted with Home Owner Association (H.O.A.) fees when looking at homes for sale.
Fees can vary widely (from under $100/months to more than $400/month) and may add substantial costs to your monthly payments. Not all homes have them , but it is important as a … (12 comments)
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budget: Food For A Cause - 02/27/08 05:52 PM
On Thursday, March 6th 150 restaurants in the D.C. area will participate in Dining Out for Life, an event where participating restaurants will donate 25-100% of their sales to Food & Friends. Food & Friends is a D.C. area non-profit organization providing daily, home-delivered meals, groceries and nutrition counseling to people living … (0 comments)
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budget: Divorce and Credit - 02/26/08 05:13 PM
You've heard the expression, " You are your credit score". Well, when facing divorce this can be crucial.
How is your credit? Do you have any in your own name or have you relied on your spouse's or another family member's credit? If you have none to claim, now's the time to make … (0 comments)
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budget: Services offered by Your Georgia Loan Officer - 02/24/08 11:01 AM
Our Products:
100% purchase and refinance loans (full documentation)
Limited Documentation purchase and refinance loans up to 95%
Great Rates for Great Credit
We Still Have Subprime!
Competitive Rates for Weak Credit
Hardworking Loan Officer/Processor at Your Buyer’s Service
I attend all of my closings regardless of their location
Programs for the self-employed
Programs for those who can’t document their … (0 comments)
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budget: Pay Per Click: What is it and how can it help you advertise online - 02/22/08 09:24 PM
Ever Wondered How You Could Take Your Business to the Next Level?
Want to Understand the Impact of Internet Advertising on Your Business?
Need bare bones explanation of why you should definitely use the Internet as a business tool?
Web Full Circle presents an article geared specifically at answering your questions about Internet advertising … (1 comments)
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budget: Atlanta Homes Designed To Sell Staging Budget Profit Model - 02/22/08 02:38 PM
Want to know how to calculate a staging budget that will give you a positive return? Use the Homes Designed To Sell Staging Profit Model TM, a first in the industry and a free tool to help you calculate your estimated return on investment! You can put in various financial scenarios … (1 comments)
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budget: And the Oscar Goes to... - 02/21/08 11:49 AM
With the writer's strike finally over, it is time to celebrate with the 80th Annual Academy Awards. Although D.C. is a long way from the bright lights of Hollywood, that doesn't mean that those inside the Beltway have to be left out of the celebration this Sunday night. Whether you are … (3 comments)
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budget: So You Like to Buy a Mansion on a Kool -Aide Budget? - 02/21/08 09:33 AM
It's a expression I like to use when I'm working with unrealistic buyers or sometimes may not like what's available to them. I had a client who wanted to have a house with all the trimmings and plus some. The lender told me that they are only qualified for a certain amount … (1 comments)
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budget: How to Save 30% or Nothing At All - 02/20/08 06:52 PM
The Renovation budget is tight right? How much did you add to the budget for contingencies? Oops! It goes without saying that you want to save money. Couldn't you save 10, 20 or even 30% if you act as your own General Contractor? Maybe, but at what cost? It is possible … (0 comments)
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budget: The Answers to Those Budgeting Blues - 02/20/08 12:40 PM
Okay, you've run out of excuses. Your spending is out of control and you hear there's a recession heading our wau. Perhaps you haven't been the person responsible for finances in the past, but particularly for women, now is the time to start and educate yourself completely. Read on, we've even … (0 comments)
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budget: School Budget Gets Small Increase - 02/20/08 10:34 AM
With the smallest funding increase in years the schools get few new programs but 3.5% raise for most of the staff. As it is, the budget of $724.8 million is 2.5% higher then last year. Some staff were cut and changes to the retirement/health care benefits saved some money so the … (1 comments)
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