Is there any good reason to do your own home inspection? How about to get a better deal. Every flaw you can find is a negotiating point. You don't have to learn building codes, and you probably should use a professional inspector in any case. The point of learning what to look for is to protect yourself and get a better deal.Home Inspection - Use A ChecklistA good home inspection checklist, keeps you from forgetting things. I have more than a...more
Credit card debt can be reduced through lower rates or negotiating for reduced balances. With reduced interest, you can pay off the principal quicker with the same monthly payment. The other approach is debt settlement, which eliminates part of your debt at the cost of your credit score.1. Transfer BalancesCredit card companies are always offering introductory deals, such as 0% on transfers. Usually such offers last for several months, giving you...more
Secured loans make your creditors feel more secure about loaning you money. When someone takes out a secured loan, that simply means there is collateral to back up the money they borrowed. This could be a car, or more commonly, a house. There are pros and cons to getting a secured loan as opposed to a standard loan for debt consolidation.Home Equity Line of Credit - Perhaps one of the most common secured loans is the home equity line of credit. This loan amount is based on how much equity you have in your home. Once you take out this type of secured loan, your house becomes collateral. The most positive aspect of a secured home equity loan is that the money you borrow is tax deductible. For instance, if you have $5,000 in credit card debt, you can roll that over into a home equity line of credit. The credit card payments are not tax deductible, but the home equity loan is. In contrast, standard debt consolidation loans are not tax deductible.Interest Rate Advantages - Another advantage of using a secured loan for debt consolidation is the interest rate. For many people, credit cards are the source of their debt problems. Credit cards have enormous interest rates. Since secured...more
How to buy an apartment building? You could start with a look in the newspaper, a visit to a broker, or a search online - all good ways. Of course, since you're looking at the same properties as every other investor, it's not always easy to beat the competition to the great deals. Is there a better way?Why not look for properties that aren't yet...more
Finding a good lender to refinance your mortgage can be almost as important a decision as the actual mortgage you choose. In order to make a wise selection of a refinancing lender you should do four things:1. Know the objective of your mortgage refinanceDo you want to lower your current interest rate? Generally, refinancing your mortgage can be...more
Cover letter writing is almost as important a skill for a job seeker to learn as resume writing. The cover letter accompanies the resume at all times as the primary support document. Whether you use traditional mail, email, faxing, or another type of electronic submission, this should always be sent with the resume. There are, of course, other tools you'll use when job seeking. Your cover letter and resume come first of course, followed by follow-up letters, thank-you letters for after the interview, reference sheets, salary histories, and job acceptance letters. If you have good cover letter writing skills, and good resume writing skills, the other written tools should be a snap to compose.Your goal in this is to get the attention of the hiring manager, just as it is with resume writing. The method and format are a little different however. Your resume will cover all, or most of your professional career, and will be from one to two pages. Your cover letter will be a very brief page serving as an introduction to the resume. Cover letter writing style must be direct, to the point, and able to grab the attention of the reader quickly, with a goal of making the reader want to...more
In the early nineties subprime mortgages accounted for about five percent of all mortgages. Today the subprime mortgage loan sector comprises more than twenty percent of the mortgage market. With this explosion of subprime mortgage lenders and...more
A debt management company can consolidate your debt and lower your interest rates by negotiating with your creditors. Debt management companies can also help you pay off your loans sooner. But before you sign up with a company, make sure your...more
Using a cover letter template when job hunting is a logical and time saving measure. Your time is limited, so writing one basic one and using it as your template will simplify the application process, making you more efficient and hopefully employed...more
Bad credit mortgage refinancing loans are used to solve two different problems.Problem Number One: The homeowner has bad credit, significant high interest credit card debt and a home with substantial equity. In order to pay off the high interest...more
Getting your mortgage loan on the internet has many advantages and benefits, although, it is not a good choice for all homebuyers. Online mortgage loans are both quick and convenient. The application process can be completed in the privacy of your...more
Although it would be wonderful if debt would magically disappear, the only way to get rid of it is to pay it off. Almost everyone has some sort of debt.Although getting rid of debt is not as simple as accumulating it, there is a way you can put a...more