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Qualifying For a Mortgage
December 12, 2000 Most potential borrowers are nervous about getting a mortgage loan because they share a widespread misperception: the misperception is that they have no bargaining power relative to lenders, and therefore must approach them ... more...

How Much House Should You Buy?
16 August 2004 "My wife and I are arguing about whether to buy the $150,000 house we set out to buy, or the upgraded version for $185,000 that she fell in love with. She argues that we can afford the more expensive house with an ... more...

real estate property home buyer taxes house retirement income related definitions

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

Tax Sale
Tax Sale Property on which current county taxes have not been paid is "sold to the state." At this stage no actual sale takes place - the title is transferred to the state and the owner may redeem it by paying taxes, penalties and costs. If it has not been redeemed ... more...

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Selling of Real Estate by Non-Residents of Canada
As I deal routinely with non-resident investors wanting to sell Canadian real estate assets, I would like to shed some light on this otherwise somewhat arcane subject. DISCLAIMER: please note that the following essay is presented solely for general information purposes, it is not intended to be ... more...

New Home Buyers Who Represents You?
1)Why Buyers Agents The home buying process is full of traps for the unwary, inexperienced, and even the experienced home buyer. A good Buyers Agent can help you stay on course and avoid the problems. Understand that not all real estate agents are equal, spend some time interviewing agents. ... more...

Taxing Your eBay Profits
As a small business person-slash-advice columnist I dread the first quarter of the new year. Not because in my mind my own business fortunes start at zero again every January or because I have already dismissed every New Years resolution I made when the clock rang out the New Year.No, the reason ... more...

How To Increase Your Home's Selling Price by $3,306.75 In The Next 33 Days
According to the Federal Housing Finance Board:... As of October 2004, The U.S. national average purchase price for a single-family home reached $264,540. If your house is worth at least the U.S. average and you can add an additional 1.25% in value to your home's selling price, you'd pocket an ... more...

Are You Sick of the Financial Insecurity of Fluctuating Seasons and Income?
Finding a stable and secure income that will come year in, year out, no matter what happens on the farm, will give you real peace of mind. By investing off farm, you are not only providing a secure income now, but also preparing for retirement. This IS attainable by all levels of income earners ... more...

Real Estate Professionals Need You to Write for Them!
Ask yourself these questions:Are you an experienced writer?Do you want to stay at home to write?Do you want to work for yourself?Do you learn new things quickly?Are you interested in a broad number of subjects?Do you feel like youre being pigeonholed with your current writing and you want to branch ... more...

Are Biweekly Mortgages Really Worthwhile?
You may have heard people, especially mortgage lenders, extolling the virtues of biweekly payments, saying that you can save thousands of dollars and take 5-7 years off your mortgage--and then offering to set up a biweekly plan for you for as little as $400. But you don't have to spend $400 to ... more...

Crossing the Gap from this Home to the Next: Bridge Loan
So youre thinking of getting into a bigger house. You call up the real estate agent and make an appointment to go see what the market has to offer. Then you find it, the perfect move-up home. Its everything youve ever wanted in a home unless your married, in which case its everything your wife ... more...

A Few Basic Tips for First Time Home Buyers
The first time you purchase a home is an exciting experience. You are anxious to call the place yours and maybe a little worried about how the whole thing will play out. Knowing a few basic tips for home buying is important and will help eliminate your fears altogether.Here are some to consider ... more...

Which IRA Is Best For You?
An Ira is one of the greatest ways to save on taxes currently and accumulate money for the future.For individuals three types of IRA's will normally come under consideration.The Traditional or Regular IRA The Education IRA The Roth IRAEducation IRA is now called the Coverdell Education Savings ... more...

How To Sell Your Home FSBO
You decide to sell your home and believe you can handle the selling process. Good for You!Of course youre a little nervous and thats normal. You might stay awake at night wondering how long it is going to take to actually sell this home."Can I get my asking price?" You wonder.Yes it is possible to ... more...

Fantasy Football Format -- Go Basic or Go Home
My fantasy football league is approaching its 16th season. We have had 16 teams competing before, but now we are a 14-team league. Although the subject of performance points is bandied about at our league meetings virtually every year, we remain a basic scoring league -- the only way to go for ... more...


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