murfreesboro reliant realty: FHA Largely to Be Spared 'Sequester'
- 02/27/13 12:47 AM
The across-the-board budget cuts enacted into law in 2011 to reduce the federal deficit take effect Friday, March 1, absent additional action by the government. Some $85 billion, split between defense and domestic discretionary programs, is scheduled to be cut over the balance of 2013. In all, about $1.2 trillion is to be cut over the next 10 years.
Not counting the economic impact on housing demand, the cuts are expected to have minimal impact on federally backed mortgage finance programs because the sequester applies to program dollars, not loan guaranty authority. For that reason, loans backed by the FHA, the VA, and … (0 comments)
murfreesboro reliant realty: Seasonal Affective Disorder / The Truth Behind the Winter Blahs
- 02/16/13 02:12 AM
Winter can be a trying time of year. Not only can the weather be harsh, to say the least, but many of us also experience things like fatigue, general malaise, and depression. If this sounds familiar, you're not alone. In fact, you may be suffering from a condition known as Seasonal Affective Disorder or SAD. What isSAD? SAD is the result of a lack of sunlight in our daily lives. It's no secret that during the winter, days get shorter and nights get longer. In addition, the daylight we experience is frequently compromised by gloomy weather. What we don't know, however, is exactly … (0 comments)
murfreesboro reliant realty: 30 Minute Workouts / When One Hour Is Too Much to Ask
- 02/16/13 12:36 AM
Okay, a show of hands please. How many of you made a New Year's resolution to get in shape? Now be honest. Are you finding it easy to stick to the resolutions you made? Many people tend to do well during the month of January; but by February many of us are already reverting back to our old ways. So, if you're one of those people whose resolution is to get in shape, what are you going to do differently than before? Here's a suggestion. How about a shorter workout? It's a common sense approach since most people don't have several … (3 comments)
murfreesboro reliant realty: Homeowners Still Not Getting Money From $25-Billion Mortgage Settlement
- 02/09/13 01:36 AM
Do you remember the robo-signing scandal of 2010? What started with a single lawyer interviewing a GMAC employee turned into a national outrage that effectively halted foreclosures by the nation's biggest banks. Bank of America, Citi, Ally/GMAC, JPMorgan Chase and Wells Fargo were accused of making big mistakes like rapidly signing documents without real knowledge of what they were signing. In February 2012, the above named banks agreed to a $25-billion settlement. Seventeen billion dollars was earmarked for direct principal reduction and other forms of modification designed to help homeowners whose homes were worth less than their tota mortgage liability. It … (0 comments)
murfreesboro reliant realty: New Rules of Refinancing Your Home
- 02/09/13 01:27 AM
According to Kiplinger.com, "With the 30-year fixed mortgage rate flirting with 3%, a lot of homeowners should be able to cut their mortgage payments by hundreds of dollars a month. But despite an uptick in refinancings in 2012, the number is lower than in past booms, according to CoreLogic, a mortgage data firm. Inertia accounts for some of the reduced traffic to loan officers—after all, if you snagged a 5% rate three years ago, you’re probably still patting yourself on the back. But a lot of borrowers face serious obstacles to lowering their rate. Six years after the housing bust, mortgage … (2 comments)
murfreesboro reliant realty: Nashville's Rhythm Condos at Music Row Surge in 2012
- 02/06/13 10:30 PM
Call it a sign of the times, but the Rhythm condos at Music Row have prices that are climbing faster than any high-rise condo in Nashville. A brief timeline: The Rhythm condos began construction at the beginning of 2007 and were completed in 2009. Pre-sales efforts took place during this entire process and condos were sold for an average of $365.17 per square foot. Approximately 75% of the 105 total condos were pre-sold, but when the building opened, only half of the original buyers closed. Clearly, 2009 was a difficult economic time for the country and the Rhythm was not … (0 comments)
murfreesboro reliant realty: Postal Service to say goodbye to mail delivery on Saturdays
- 02/05/13 10:54 PM
It's been debated for months and months, but on Wednesday the United States Postal Service finally will announce it's not going to deliver first-class mail on Saturdays anymore. The postal service's announcement, planned for about 10 a.m. EST, is expected to say that packages, mail-order medicine, and express mail will continue to be delivered on Saturday, but not letters, bills, cards, and catalogs. Post offices which are now open on Saturdays will continue to be open on Saturdays. The move is meant to save the financially struggling agency about $2 billion annually as it wrestles with the rising popularity of email … (6 comments)
murfreesboro reliant realty: The Best Apps for Real Estate Foreclosures
- 02/01/13 05:06 AM
I wanted to share this article that I recently read in Realty Biz News and I felt was invaluable for ActiveRain readers/subscribers. "With the current state of the economy, it’s not big secret many properties are going into foreclosure. While for many this is a devastating thing, for others its a business opportunity to purchase real estate at a cheaper cost. If you’re a go-getter and looking to buy a first home at a steal, there are also some great apps that you can use to help you start the process. Foreclosure Search by USHUD.com @ iTunes Foreclosure Search If you search for … (1 comments)
murfreesboro reliant realty: The Sick Sense: Tips for Remaining Flu-Free During the Winter Months
- 01/25/13 04:52 AM
With so much of our attention focused on the New Year, it's easy to lose sight of the "other" winter equinox. Specifically the period between November and March, or what the Centers for Disease Control refer to as flu season. During this time, Americans' chances of contracting the illness will increase by as much as 80%. Upon learning this, the staff here at YOU Magazine felt compelled to help even the playing field. But, before we give out our advice for foiling the flu, it's important to realize the nature of the illness, as well as how it spreads. The flu … (3 comments)
murfreesboro reliant realty: New Mileage Rates for 2013
- 01/23/13 10:37 PM
If you drive a car, truck or van for work, you'll want to make sure you know the standard mileage rates that the Internal Revenue Service (IRS) has set for 2013. These mileage rates are used to calculate deductible costs for driving an automobile for business, charitable, medical and moving purposes. So when it comes to filing your taxes this time next year, you'll need to know these numbers! As of January 1, 2013, the standard mileage rates are as follows: Businesses = 56.5 cents per mile driven (a one cent increase from 2012) Medical or moving = 24 cents per mile driven … (1 comments)
murfreesboro reliant realty: Dress for Success
- 01/23/13 01:18 AM
You only get one chance to make a first impression. Cliché? Perhaps, but there is truth to this statement. And with the national unemployment rate stubbornly high for the last several years–and still lingering around 8.3%–job seekers especially know how important it is to make the right first impression! Dressing for success may sound intimidating, expensive and a bit vain, but your presentation creates credibility. According to the Career Center at North Dakota State University, "Whether you like it or not, people size you up in a very short time, actually only about 3-5 seconds. Your apparel, demeanor, and mannerisms are … (5 comments)
murfreesboro reliant realty: How to Use a Car-Buying Service to Find Deals on New Cars
- 01/17/13 02:12 AM
Smart car buyers know they should never pay full sticker price. But what's the right target price? And what if you weren't born with the haggling gene? If just the thought of doing battle with the dealer makes you want to take the bus instead, a car-buying service may be for you. We checked out a few services to see how good the deals are. Join the club. The most popular car-buying service is Zag. Never heard of it? That's not surprising – it's the company behind the affinity buying services of American Express, USAA and AAA, among others. The service … (1 comments)
murfreesboro reliant realty: Recommending a Course of INACTION!!!!
- 01/16/13 10:50 PM
If you're a regular subscriber to my blogs, you know that I write a lot about what you can do to improve your business development. Do this. Do that. Get more clients. Grow your business. But this week I'm recommending a course of inaction. Because I'm finding that all of this doing comes at a heavy price. That's not to say that a busy life has no value. I am fully dedicated to the progress and profit of my business, and to the fulfillment of a personal mission that includes helping people. But while that all sounds sensible and noble, it's completely exhausting, … (1 comments)
murfreesboro reliant realty: 10 Overlooked Discounts
- 01/13/13 07:22 AM
Chances are that you're not taking advantage of some valuable discounts. I'm not talking about coupons that you have to spend hours clipping and organizing so that you can pay only $1 for $100 worth of groceries. I'm referring to hassle-free discounts that are easy to score. Kendal Perez, creator of HassleFreeSavings.com, says that consumers may not be aware of many discounts that cross their paths every day. Here are ten that she says are commonly overlooked. Receipt coupons. Don't just shove your receipts into your bags after a trip to the store. Not only should you review them to make … (2 comments)
murfreesboro reliant realty: Too Much of a Good Thing?
- 01/13/13 02:30 AM
According to the latest statistics from the Centers for Disease Control, more than one-third of U.S. adults and approximately seventeen percent of children ages 2-19 are obese. That's just one reason why a regular exercise routine is so important for all of us. Equally important: being careful not to overdo it. There is a tendency in our success-driven culture to think that if a little is good, then more must be better. When it comes to exercise, that's not necessarily true. In fact, it's quite easy to overdo an exercise routine if you don't know what to look out for–and the … (3 comments)
The across-the-board budget cuts enacted into law in 2011 to reduce the federal deficit take effect Friday, March 1, absent additional action by the government. Some $85 billion, split between defense and domestic discretionary programs, is scheduled to be cut over the balance of 2013. In all, about $1.2 trillion is to be cut over the next 10 years.
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