Finance Tips

It seems as though it does not matter where I am, people are saying the same thing. “How do I sell my houses?’ I was just in St. Louis last week and as I was giving a one day seminar, the biggest concern was the increasing days on market, currently up to 180!

Nearly every investor in the room was sitting on properties and you could almost feel the pain in the room.

Last week I had an investor from New England call about 2 investment properties in Florida and he was upside down by $40,000-$60,000 on both!

My heart bleeds for these people. Not just the investors, but everyone that bought too late and is trying or needing to sell too early. Real estate is not for the faint of heart and you should definitely make sure that you can lose before you begin. Continue reading ‘Staging Your Home How to Sell Fast’ »

IT’S NOT THE ROLE OF THE FEDERAL GOVERNMENT TO CREATE JOBS AMERICA!!!!!!!!!!!

AMERICANS must regain their resilience and move the economy forward. It’s not the role of the Federal Government to create jobs. That’s a job for the people. Government can only set the stage by creating as level a playing field as possible, create incentives, assistance and any necessary catalysts with which to engage those with the entrepreneurial spirit to take action. After that point it up to every well thinking ambitious American with this Country’s interest at hart, to assume their responsibility and not sit around like some third world people who are lacking the education, the skills and or the opportunities glaring at them for self- empowerment. Waiting? What are Americans waiting for? If and when we force government to begin to think, plan and do for us, what we can do for ourselves, we are really asking to be treated as third world citizens existing, not living, under the heavy thumb of elected tyrants, who take it for granted that they may ignore what the people really want in the interest of paying lobbyists simply because we have surrenders our independence.

May be; just may be, one day soon, very soon, since we certainly can’t stand to wait, we will all come to the very clear realization that it’s not the role of the Federal government to solely fix the economy. Americans like most free loving people don’t want to see the FEDERAL Government or any other government for that matter become so involved in our lives that the line between freewill and freedom becomes merely an academic exercise, and not one we experience in actuality. Continue reading ‘IT’S NOT THE ROLE OF THE FEDERAL GOVERNMENT TO CREATE JOBS AMERICA!!!!!!!!!!!’ »

In today’s real estate market, its becoming increasingly harder for home owners to sell their property for top dollar in the least amount of time. While many properties are going into foreclosure, there are thousands of homes just lingering on the market whose owners have paid their mortgage on time. These owners are using the traditional method of trying to sell their home, which is engaging the services of a real estate agent. This is includes pictures of your home in the paper and/or on the internet, holding open houses, etc. Although utilizing a real estate agent’s assistance is the norm, the problem is that the marketing done on your home most likely will appeal to qualified buyers with good credit. This narrows the pool of prospective buyers coming to view your property because during these economic times, many thousands of buyers have come into financial trouble, thus hurting their credit scores.

So, how can sellers widen the pool of prospective buyers? In other words, how can a seller market his property so that it appeals to the widest audience? The answer is easy. The seller can offer something which is called “Seller or Owner Financing”. What this exactly means is that the seller would act like the bank and “loan’” the money to the buyer. This works out perfectly because the buyer would not have to obtain traditional financing by going through a bank, and the seller would receive top dollar for his house. Now, please understand that seller financing does not mean the seller is actually lending money to the buyer to purchase his home. A seller financed mortgage note is an IOU that is created by the attorney of the seller which lays out the conditions of the payment schedule that the buyer must adhere to.This would include the monthly payment amount, the duration of the loan, and the interest. After the transaction is completed, most sellers find themselves not wanting have the headache of managing the monthly collection of payments that are owed but would rather receive a lump sum of cash for their future cash flow payments. Many companies in the cash flow industry offer a service where they can provide a lump sum of cash at a discounted price. Continue reading ‘Seller-Financed Mortgage Notes – What is it and How Does it Benefit the Seller and Home Buyer?’ »

Debt consolidation UK not only refers to the taking over of all your existing debts and converting them into one, the service also offers you advice on avoiding such circumstances in future. There are many companies on the internet that are offering these services. Some are even offering advice for free. But since you need to get rid your debts, you must go for the experts in the field: people who can negotiate with your creditors to settle the debts at less amounts.

Debt consolidation UK is free from prolonged formalities which makes it an ideal loan option at times of emergency. With support of these loans you can simply manage your unlimited debts and enhance your credit position instantly by making timely repayment of money. Under this loan facility people has complete freedom to select the loan range as per their need without reveling their credit status before the borrowers. No credit verification process makes the loan approval process simple and fast.

Under debt consolidation loans people have complete freedom to select the loan deal according to their requirements and repaying ability. If they need instant cash but not able to pledge collateral against the amount then applying with unsecured option will be the right decision. Through this option one can avail amount ranging from £1000 to £25000 for the term period of 1 to 10 years. Continue reading ‘Debt Consolidation UK-Helping You Out Of Multiple Debt Trap’ »

Millions of families in the United States are experiencing financial devastation. The crisis has affected everyone and for some, the situation is getting desperate. Many have mortgages, vehicles, and other loans to pay off. Then there is the issue of back taxes. Perhaps it was an innocent mistake or maybe it was failure to file taxes, but they have mounted upward to a tragic amount, and there is no way to pay it.

Does this situation sound familiar? Maybe you are one of these in this particular situation. If yes, then the IRS is encouraging folks like you to apply for a settlement agreement with them. It will benefit you in the end depending on how much you have to pay the lawyer. You don’t even necessarily have to hire a professional because you can easily do it by yourself. This is especially convenient for those who wouldn’t be able to pay a lawyer anyway. The government has the process laid out for you to follow.

This settlement process doesn’t just have its advantages for you, it also benefits the IRS. Ever wonder why? The IRS doesn’t want to have to chase people down, it means more staffing costs. They would like to be able to close these open files and say goodbye to them. The settlement agreements are a way for them to do that while saving you money as well. Continue reading ‘Obama Wants You To Get Tax Relief – Settle Your Tax Debt With The IRS Using These Guidelines!’ »

Have you ever seen a MR. Clean commercial? Isn’t he clean? Don’t you wish he would just come over and take care of all of your properties for you? Some big shaven headed one earring wearing really clean guy all in white—you got to love it. There has to be a song in there somewhere.

My topic today though, is cleanliness—you know who it is next to!

Sellers, Agents and Investors will do one of two things.

1. Not realize their property is dirty because they have been living in it for so long that they just don’t see it.

OR

2. They will have it cleaned once in the very beginning, but not ever again. Continue reading ‘How to Properly Clean and Stage Your Home for Sale’ »