How To Tell If An Advertisement Costs Too Much
People say it all the time: "This advertising costs too much!" They practically go into cardiac arrest when they see how much the advertising for certain media in certain markets is going to cost them. It is pretty easy to get sticker shock when you see that a sixty-second radio commercial on a ... more...

How To Choose The Right Trees For Your Front Yard Landscaping Ideas
Trees can contribute to the overall appearance of your front yard perhaps more than almost any other part of your landscaping design. Unfortunately, many new homes that are now being built come with almost no trees on the property at all, or at least very few. This leaves it up to the homeowner to ... more...

Understanding the Loan to Value Ratio
These days many renters are taking advantage of the present low level of interest rates to get into a home of their own. In addition, many current homeowners are taking advantage of those same low interest rates to refinance their home mortgage loans at more favorable interest rates.Therefore, ... more...

Mortgage Help Get Qualified
Budgeting is an important aspect of home ownership. How do you know exactly how much house you can afford? Here is how to evaluate your income to be sure you qualify.Many financial advisors will tell you that your debt-to-income ratio should be less than 36% of your income. How do you calculate ... more...

Murder on the Block [The Haunting Case...1980]
To make a long story short, my mother sold her house to this couple, whom was introduced by my They were a very handsome couple indeed: both he and his were tall, young, thoughtful, and handsome; a striking couple you could say; and worked, both having good jobs, the main ingredients Id think ... more...

Reducing Debt Before It's Too Late - How to Avoid the Pitfalls of Creeping Debt
Reducing debt usually isn't a high priority for people until they have already gotten into trouble with overspending. Using a few basic guidelines, and debt calculations, can help you see when your debt load is getting into the danger zone.Budgeting GuidelinesCreditors use budgeting guidelines when ... more...

Buying a House? How Much Home Can You Afford?
Maybe youve heard the expert advice that your debt to income ratio shouldnt be more than 36 percent of your total income. But do you truly know what that means, and how lenders will look at your financial history in order to decide whether or not to extend you a mortgage? If you need help ... more...

Buying a Home with Zero Down Payment in Irvine, CA
Years ago, the only person that could buy a home in Irvine with zero down payment using a new purchase money loan were Veterans of War (called a VA loan). In the past several years, there has been an explosion of new loan programs designed to fit most any buyers circumstances. Today, most anyone ... more...

DESIGNING YOUR LOG HOME: The Question of Dead Space
There's something about huge log homes that makes the rest of us jealous: the owners don't have to worry about wasted space. But for smaller floor plans, we need to stir up our creative juices and make every inch count. And that means getting rid of dead space.Hallways are a big culprit. I think ... more...