Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
get others to join
This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
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AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
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Get an unfiltered look at what real users are saying
Leave a review yourself for others to benefit from
Add new products as you use them and gain points for doing so
ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
Watch short tutorials on updating your photo, inserting a hyperlink and much more
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Find answers to most FAQ's
Whatever it is you're into and wherever you are, AR surely has a group for you to join.
Brand, off the wall, specific subject matters…whatever it is you're looking for.
Each time you write a post you can syndicate your post to 5 groups.
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Find some that are close to home and close to heart
Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
This is not about kids getting married or having kids. This is not about those just getting started in life, with out established credit, or major assets.
This is not about those who are not emancipated or over 18.
This is about those considering marriage, if indeed marriage is considered. I know in my case from the day I met Brenda, I didn’t so much consider marriage, I just couldn’t consider life without her.
This is about those with a credit history.
This is about those with monetary assets and liabilities! Those with money. Those with debts.
1. Credit! In community property states and some dower states, has your new spouse regardless of gender bringing their credit with them. Bad or excessive credit should not come as a surprise! Every thing done after the wedding will involve both of you, with you being jointly and severally libel for your spouses debts! Depending on the state you take up residence in you may be liable for debts accrued by your new spouse before marriage. You may even find yourself directly or indirectly libel for debits incurred by your new spouse’s ex-spouse, before their divorce!
that mortgage lenders often split a spouse with credit or income problems out of the transaction. Are you aware that some/many loan programs don’t allow this?
Are you aware that in many states judgements even those of your spouse/ex-spouce attach to newly aquired property before that spouse can waive their rights to the property. This means even though they're not goinn tobe on the loan or title their credit can stop your loan!
But, they don't have any judgements, what about tax liens? Judgements and liens may be in other names, a woman has choices about her name when she gets married? You'll need to check any and all names your new spouse has ever been known by, and any and all names of every ex-spouse!
Something new to consider: the shame of our socialist mistakes, Student Loans. Many a graduated finishes school in more debt than their parents had in a life time! For many student loans constitute more than their parents made in a life time, a doctorate can exceed their parents and grandparents accumulated life time earnings. Don’t forget those credit cards you both got in the mail as freshmen!
I don't personally believe in them, but older couples and second marriages with children or major assets should have them. Don’t forget a will, and/or a trust before the wedding!
Most married couples take title to property as "Joint Tenants" or "Tenants by Entireties, (Joint Tenancy by a married couple,) but older couples and couples with prior children should consider other options, normally "Tenants in Common"! Tenantry is a separate subject and should be discussed with an estate planner, preferably an attorney!
I've never advocated holding investment property in the same manor as your home. I believe most investments should be held by an "LLC" which is owned by a well planed "Living Trust." Again the more you have to protect, the more you need good advice and a plan.
Just getting married doesn't necessary change your insurance, call your agent! Your new spouse may not be covered! Hazard insurance may not cover your as yet unnamed new spouse's newly acquired interest in your real estate. Your car insurance should be checked, your spouse is probably covered when driving your car, but if named they would be coved in any car they drive. Check with your agent. 5. Those with assets considering marriage need to do some financial planning first!
6. Life insurance!
Most of our older widowers and divorcees never considered it either. Remember the kids! Remind older lovebirds to plan their finances, first. This is a very good time to reconsider your needs, check with your agent.
7. Social Security and Pensions. Social Insecurity would be a better term, and many private annuities stop benefits your late spouse paid for when you remarry! Check!
8. There is always more than one way! I’m an advocate of traditional marriage, but I’m also pragmatic! All the legal benefits that accrue with marriage can be had al-a-cart! All the legal benefits can be had by any couple or even group!
Marriage is mankind’s greatest and oldest statement of love, but established at a time when you married in you teens and died in your thirties. Established before consumer debt and social meddling!
Love remains a blessing not business decision!
Marriage has morphed into a business for those with financial baggage. Hopefully you’ve talked about love, you’ve talked about sex, you’ve talked about the byproducts! Hopefully you’ll talk about finances! Hopefully before the pending wedding is announced!
William J Archambault Jr
The Real Estate Investment Institute
firstname.lastname@example.org Cell 832-259-7078, Houston 832-582-8415, Las vegas 702-516-1569
From my past: GRI 1975, FLI 1974, Catalyst from a client 1974 an agent that makes things happen, REII, The Real Estate Investment Institute 1995.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.