In big cities where home prices are already high it helps to be a good negotiator if you want to buy real estate for the lowest price possible, especially if it's an investment property. Learning some negotiating basics and finding a realtor who knows how to negotiate on your behalf will make all of this possible. Quick tip: Becoming a negotiation master takes time and experience. Over the years the subject of "How To Negotiate" has been thoroughly written about. Consider this book as … [Read more...] about 4 Real Estate Negotiation Tips Every Home Buyer Should Know About
Living with a roommate has gotten really popular the last few years, and it's no wonder how to split up the bills has become such an important topic. According to the following article, the demand for sharing space with a roommate is skyrocketing. Skyrocketing Number of Millennial's Living With Housemates Eventually, even the best roommate can forget that they owe you or the bill collectors money. You’ll need a way to track expenses and transfer money to each other, so this does not … [Read more...] about How To Split Up The Bills With Your Roommates; What If They Don’t Pay Up?
Let's review the most common items that an underwriter might want to verify (at the last minute) during the process of closing on your new mortgage. As of this writing, I've signed for a new mortgage loan (or home equity line of credit) at least 25 different times in the last 20 years. Each time was for either a real estate purchase or refinance and the underwriting process has been mostly the same each time. Below, I'm going to give you all the things I've been asked over and over again by … [Read more...] about 10 Things An Underwriter Might Ask You To Verify [before you sign]
Knowing how to list your home on Craigslist is a huge advantage for saving money. I've sold every property I've ever owned on Craigslist and ended up saving thousands of dollars in realtor commission fees by using a discounted realtor to write-up the contract for me. The best part about it is, I actually enjoy doing the marketing of the home to line up potential buyers, then showing them my property. Once you have a buyer from showing the house yourself, you can proceed one of two … [Read more...] about Save Thousands In Realtor Commission Fees: How To Sell Your Home Using Craigslist
Can you remove negative feedback from your eBay profile? Is there a special negative feedback removal tool or secret? Many eBay re-sellers think there is, but the truth is, there is not! However, under the right circumstances and a bit of persistence, you can get most negative feedback removed. So far after selling on eBay for almost twenty years, I've maintained a 100% positive feedback with almost 500 reviews. There has been just one time that negative feedback was left for me and I got it … [Read more...] about How To Remove eBay Negative Feedback
When I first turned 18, applying for new credit was tough. My credit score was barely a 600 and no one (and I MEAN NO ONE) would give me an approval for my first credit card. I even tried getting a new car loan to buy a cheap Honda Civic DX; I was not approved. In the rejection letter, it said I needed to have a credit score of at least a 600 to qualify. The problem was simple, I needed to establish a credit history to get the higher score. But, how do you do that when your credit score is … [Read more...] about How I Got A 700 Credit Score By Age 21
Should you use a debit card or credit card on most of your transactions? It's a question that you've needed to answer ever since cards replaced cash as the most common way to transact in the retail sphere. When debit cards first came out it was confusing for cashiers and consumers, and many people thought they were the same thing! The similarities of debit and credit cards are quite different! The differences between credit and debit transactions are vastly different in how your credit is … [Read more...] about Credit Vs. Debit Card: What Advantages Make Credit Cards Better?
No one looks forward to receiving bills, but it's even more difficult if your bank account doesn't have enough money to pay them all. Do you ever find yourself making a partial payment, being a couple of weeks late, or skipping a month on a large bill? Are you just paying the interest on your credit cards? The key to paying down debts quickly is to develop the right plan. The plan involves developing good financial habits for managing money by learning about the basics of personal finance. … [Read more...] about Creative Ways to Pay Off Debt Loans Quickly
Every college student is hoping to complete their education without amassing burdensome financial debt along the way, welcome to the world of grants as a major source of financial aid. (In the process of writing this, I researched a ton of options and have linked them throughout this article.) Grants can help anybody who wants to go to college, it does not matter if you're a student, women, man, felon, existing student or a working adult. Even military spouses, single moms, minorities, … [Read more...] about Available College Grants And Scholarships (Get Free Money For School)
In 2019 and beyond it’s been a popular trend for big families to combine there funds and work out an affordable deal for a fun family vacation. The cost and type of vacation must accommodate many types of age ranges, it should be fun for the kids, but relaxing and entertaining for Grandma and Grandpa too. Your vacation plans should drive conversation between family members, whether on the beach or at the dinner table. Most family members probably haven't seen each other in quite some time, … [Read more...] about Cheap Ideas For Planning A Big Family Vacation (multi-family too)