advice: Applying For A Mortgage? Know Your Numbers
- 11/09/15 04:18 AM
When you buy a home, it's all about the numbers. Your mortgage rate is based on your credit scores, debt-to-income, and how much of a down payment you can afford.
Know your credit scores: Your credit scores can fall between 300 and 850. Lenders use these numbers, which are compiled by three credit bureaus and Fair Isaac to give them a quick snapshot of your credit-worthiness.
Lenders are still in a low-risk mood and are requiring fairly high credit scores from borrowers. To qualify for the best mortgage interest rates, such as a benchmark 30-year fixed rate, your credit scores must be approximately … (1 comments)
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advice: Buying An Historic Home
- 11/06/15 01:44 PM
You've fallen in love with an old Victorian house and want to bring her back to her glory days. With dreams of starting the next row of "painted ladies," you close the deal.
You may already have some ideas of things you want to do to your new home, but before you make any changes to the structure itself, do a little research and make sure you have the answers to these three questions:
1. Is your home designated as historic - part of a state or federal historical building or neighborhood registry? If so, you may have to adhere to a number … (2 comments)
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advice: 14 Foolproof Ways to Lower Your Living Expenses
- 11/05/15 06:40 AM
We've all been there. Can't resist the new model year of your current car. Hey, it's only an extra $90 per month (plus an insurance bump of $37 a month, but who's counting?). Seduced by the cushy sectional that would pull the whole living room together and will only cost $60 per month. That great deal for upgraded Internet and all the move channels. What's another $23 a month?
Problem is, before you know it you're sinking in bills and your monthly payments have become a burden. Here are 14 ways to lower your monthly nut and get back to stress-free living.
1. … (6 comments)
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advice: Canada's Shifting Office Market: Employees Rule
- 11/02/15 07:40 AM
Real estate investors are seeing a shift in Canada's commercial real estate market as office employees demand more workplace amenities, better air quality and access to public transit and bike racks instead of parking lots. Although the downtown core is still where a lot of people and businesses want to be, suburban offices that can offer a great working environment and perks such as fitness centres and restaurants are becoming more important.
"It used to be, if you found out where the CEO of the company lived, then you would know where the head office was. Now, you find out where the … (1 comments)
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advice: 10 Inexpensive Ways To Create A Spa Bath
- 11/02/15 04:44 AM
The sumptuous spa bath - the kind that makes you forget you have a sink full of dishes, two baskets full of laundry to fold, and two sleeping kids with runny noses on the other side of that door - has been a top trend in new homes and renovations for awhile, and it's not going anywhere.
If anything, the desire to luxuriate in a decked-out bathroom is only growing.
But if your budget doesn't include an $8,000 (on sale from $11,000!) Hansgrohe Axor Starck Shower Heaven Showerhead or a Joseph Licciardi-designed, $34,000 Le Cob Glass Bathtub, there are still ways to get … (3 comments)
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advice: 7 Creative Ways to Use a Wi-Fi Camera in Your Home
- 10/31/15 06:53 AM
Cameras in our homes have gone from the exclusive preserve of those with Picassos and Monets hanging in the hallway to an inexpensive option for anybody to build a simple DIY home security set up.
The debut of Wi-Fi cameras, known as IP cameras, means you no longer have to hire an electrician to re-wire your home in order to be able to see inside it when you're away. But these handy, easy-to-install devices aren't just useful for keeping your home safe and secure - there are many other ways to put them to work for you to make your life easier, … (1 comments)
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advice: Is Your Home The 'Mom-Jeans' Of The Neighborhood?
- 10/30/15 11:59 AM
Is your home out of date and on the frumpy side? Lost its sexy? If so, you'll have trouble selling your home for top dollar. Looks matter, and homebuyers want to see themselves and their tastes reflected in their surroundings.
Just as you have developed a comfort level with your home, and perhaps don't see the flaws, imagine that the buyer will be equally uncomfortable, and will be bothered by every flaw.
If your home is the architectural equivalent of "mom" jeans, you're sending a strong message - that you think it's ok to let things go. When you go for comfortable and … (1 comments)
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advice: Protecting Your Childrens Inheritance Takes Careful Planning
- 10/30/15 10:08 AM
Question: My first wife passed away several years ago. After she died, I sold the home we bought; this was the home I wanted to leave to our children when I died. I have now remarried. We have a home in another State, which I will leave to my current wife. Recently, we bought a home in Maryland and both of us were on the property deed. I stated in my Will that the house was to go to my children when I died, but subsequently discovered that the Will has no effect since title was held as tenants by the … (0 comments)
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advice: $19,900.00 Short Sale - Great Investment Property 3BR 1.5BA
- 10/29/15 01:02 AM
6414 Nebraska Court, Kansas City, KS 66102 $19900.00
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© Copyright 2011 >Dominion Enterprises Property Details Search More Properties Neighborhood Values The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (Heartland MLS). Copyright 2013, Heartland Multiple Listing Service, Inc. Heartland MLS and Sharon Sigman do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private non-commercial purpose of identifying a … (0 comments)
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advice: HOA Expert:The Difference Between The CC&Rs & The Rules & Regulations?
- 10/28/15 12:41 PM
Question: What is the difference between the CC&Rs and the rules and regulations? Even if the rules and regulations were never filed on the public record, would they hold up in a court of law?
Answer: CC&Rs stands for "Covenants, Conditions & Restrictions". CC&Rs include the Declaration, Bylaws, Rules, Regulations, Policies and Resolutions.
As far as standing up in court, no one can predict the outcome of a judge or jury decision. But the board has a responsibility to make sure all rules, regulations and policies are in writing, distributed to all owners and residents and easily accessible when needed (website recommended for … (0 comments)
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advice: 10 Guides for a Successful Real Estate in 2016
- 10/28/15 06:49 AM
The influence of written goals: Research shows that writing down your goals and plans and sharing them with someone increases the probability of success Lay down your income and closed transaction objectives:Thin you have closed 20 transactions this year and aim to close 40 transactions next year. Once you put a double effort into your most profitable real estate activities, most agents easily boost their closed transactions by 50-100 percent. Lead generation is the key: the rule is to generate 1 out of 3 solid leads ends up closing a transaction. The goal is four transactions per month and should have 12 well- … (0 comments)
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advice: Home Buyers: Seven Insights Into Confident Decision Making
- 10/28/15 02:37 AM
Home-buying is multi-tasking on steroids. Are you up for the challenge?
On the surface, buying a home seems simple: find your dream home and buy it.
In reality, this seemingly-simple task requires buyers to make a continuous stream of under-pressure decisions, often concerning issues and consequences they do not fully understand. Instead of one task, buyers are faced with hundreds of tasks many of which must be decided on simultaneously, on very short deadlines. This makes decision-making a challenge, but it's the knowledge gaps and "I've never thought about this before" perspectives revealed in smart home buying that add the real pressure.
At its … (2 comments)
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advice: 3 Things Landlords Look For In A Commercial Apartment Building
- 10/27/15 05:26 AM
When an investor is considering the purchase of a commercial apartment building, there are certain qualities that they may consider deal breakers. While every landlord is different in regards to specific areas that they consider necessities prior to purchase, there are a few general things that every prospective buyer needs to see in order to even be interested in the property. The most important thing about a property is not actually if the landlord likes it, but whether or not tenants will actually want to move in. Make sure to keep the end user in mind throughout the entire process. Talk … (0 comments)
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advice: Does Your Homeowner's Insurance Cover Water Damage?
- 10/26/15 02:12 AM
Many a distraught homeowner has had to deal with water damage only to find out that their home insurance policy does not cover the damage. Here's how to make certain that you are not caught in that position.
Avoid water damage
Proper home and appliance maintenance is the best prevention to water damage. Have your heating, cooling and water heater serviced regularly. Don't leave an appliance such as a dishwasher or washing machine running while you're out of the house for a long period. Check occasionally under the sinks for leaks and that the pipes are dry. Stay in the room while filling … (2 comments)
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advice: 8 Compelling Reasons You Should Be Renovating Right Now
- 10/26/15 01:54 AM
Remodeling has never been more popular - or valuable to the U.S. economy. Last year, Americans spent $130 billion on remodeling and renovation projects, according to U.S. Census numbers.
That's a lot of people committing money to everything from quick fixes to full-blown redo's. And what's driving this trend? NAHB's Remodeling Market Index (RMI) survey found the leading reason was a "desire for better/newer amenities," said NAHB's Eye on Housing."
So why should you remodel now? We're running down a few very compelling reasons.
1. Because you're selling your home now
Renovated homes sell quicker and for more money. But that doesn't mean you should … (1 comments)
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advice: The Youthful Roots Of Urban Gardens
- 10/23/15 07:39 AM
National survey finds that city-dwelling millennials are twice as likely to garden in the city than older generations
On one hand, millennials (roughly, those between the ages of 18 and 34) are faced with a number of hardships unique to our time, including a fluctuating economy, blossoming inflation and a cost-of-living scale that refuses to become scalable.
On the other hand, like previous generations, millennials have found practical (and in some cases, highly imaginative) ways to deal with the economic hand they've been dealt. From innovative approaches to frugal living to turning small-space-living into a cultural trend, millennials have taken on the torch … (2 comments)
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advice: Don't Cut Yourself Short, Shop Loan Prices!
- 10/23/15 07:27 AM
Americans will clip coupons and hunt around for sales, but when it comes to saving money on major financial loans like a mortgage, they tend to go with the first bank they talk to.
Online lender LendingTree found that four out of five Americans consider themselves bargain hunters. Nine out of ten Americans have researched prices online before purchasing an item. Yet, less than 30 percent of consumers look for the best rates when it comes to major financial loans. Roughly 18 percent stated they never looked for better rates or prices on loans.
Comparison shopping for loans offers the greatest opportunity for … (0 comments)
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advice: Combining Two Condominium Units
- 10/23/15 07:16 AM
Question: I currently own a one-bedroom condominium unit. My next door neighbor has offered to sell me his unit, so that the two units could be combined into one larger unit. In all likelihood, I will initially move into the new unit as my primary residence and rent out the one in which I presently live. However, in the future, I plan to make improvements and do construction so as to make them into one large unit.
When the two units are combined, will I have to record the lot or title change with the recorders office? Will I have to refinance … (0 comments)
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advice: For your Kids - "Halloween Punch with Frozen Hand Recipe"
- 10/20/15 01:07 PM
1 (.13 ounce) grape softdrink mix - unsweetened
1 (.13 ounce) orange softdrink mix - unsweetened
3 quartz very cold water
2 cups of white sugar
1 liter of ginger ale
Instruction:
1. Mix and stir together the unsweetened grape and orange softdrinks, sugar and water. Make sure that solids are dissolved. Mix with chilled ginger ale before serving.
2. To create a frozen hand. Get a disposable glove and and wash it. Fill it water. Seal with a rubber band. Put it in a freezer.
3. Put the frozen hand in warm water the peel of the glove. Allow the frozen hand to float in the punch.
Serve and … (1 comments)
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advice: 7 Essential Things Every New Homeowner Needs
- 10/20/15 06:28 AM
Becoming a homebuyer is exciting. But now that it's happening, you'll need a few things to get you from buyer to owner. You may think you only need the stamina to unpack, but that's only the beginning.
1. A basic toolkit
You don't want to be sitting at home without a wrench when your sink is leaking. Or without a Phillips screwdriver when nothing in the house will accept a flathead.
Tools may seem like a boring thing to spend your money on, especially if money is tight after your down payment, closing costs, and moving costs, but spending a few bucks on a … (4 comments)
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When you buy a home, it's all about the numbers. Your mortgage rate is based on your credit scores, debt-to-income, and how much of a down payment you can afford.
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