Outsmart the Car Thief
“On average, Canadians pay an extra $40 on their auto insurance premiums for car theft.” Auto theft can also be an aggressive and even violent crime. “Between 1999 and 2001, car theft resulted in 81 deaths and 127 serious injuries to … That includes in your driveway, garage or on the street in front of your home. On a cold winter morning, you may be tempted to leave your car to warm up before heading to work, “but this is a common time when thieves simply drive away … read more…
Utah Real Estate Investor: Perpetual Income Through Seller Financing
The average homeowner in America already holds the secret to perpetual income and endless cash flows in their hands and they don’t even realize it. There are some real estate investors who grasp the concept of cash flow and will spend large … The purpose of home insurance is to protect the lender (the owner) in case of property destruction. So if the buyer destroys the home the owner will make an insurance claim and have the home professional restored (paid for by the … read more…
Greenwich Home Mortgage – Mortgages Rates – Tampa Home Mortgage 471
In many parts of the country the average amount for a home has gone up meaningly over the past few a month of Sundays. This makes it difficult for many population to qualify for the financing they need a fixed mortgage giver. … By using this 80/20 mortgage you will get around Private Mortgage Insurance which can add hundreds of dollars to your periodic mortgage fee. In tally to your 80/20 mortgage some offer financing for 103% of the asking worth on your home. … read more…
From Google Blog Search
SAVE MONEY ON YOUR CAR INSURANCE
So you’re shopping around for auto insurance. What do you need to know? Well, there are lots of ways – at least 11 – that you can save money. Many of these money-saving ideas may apply to you.
1. O… read more…
English-Spanish Real Estate Dictionary
Even if your builder or Realtor is speaking English, it might sound like they?re talking in another language when they start using terms that are unfamiliar to you. Don?t worry ? this list of commonly… read more…
How to Make Money in the Housing Crisis
Real Estate Agent
Vital Information
______________________________________________________________________________
Start-up Investment
Low – $1000 (to become licensed)
High – $30,000 (to op… read more…
From GoArticles.com
Resolved Question: How much does homeowners insurance cost in Nassau County, NY?
I’m just starting to look at purchasing my first home and need to understand even a basic range of cost for yearly homeowners insurance for budgeting purposes.
Without having a specific property in mind to request a rate for, is there any place I can see average or median homeowners insurance rates?
I’m looking at homes in good condition for under $375,000 purchase price.
Resolved Question: mathematics help me !!!!!!!!!!!!!!!!!!!!!!!!!!!?
1. Secured debt usually has a higher interest rate than unsecured debt. (1 point)
True
False
2. If you pay your credit cards on-time and maintain a low balance, your credit score will go up. (1 point)
True
False
3. Which of the following is NOT an example of Real Property: (1 point)
an oak tree on your property
a barn on your property
a well on your property
a tractor on your property
4. Banks use collateral as a means to secure a loan. Why do they do that? (1 point)
So at least they can collect the principal if you default.
That way they lower their risk and can offer a lower interest rate on a bigger loan.
If they charged the same rates as unsecured credit cards nobody could afford a home.
All of the above
5. Your residence should not cost more than what percentage of your net income? (1 point)
15%
25%
28%
32%
6. If you default on a loan, the bank will ______ your car and auction it. (1 point)
collateralize
liquidate
refinance
repossess
7. What would be the collateral in a secured mortgage loan? (1 point)
credit score
automobile
house
depreciation
8. A homeowner is required to have a designated minimum of insurance if they have a home loan. (1 point)
True
False
9. Without secured debt the average American household income could afford an average priced home. (1 point)
True
False
10. Your secured debt payment amounts and due dates can be shown with a/an: (1 point)
pay stub
credit report
amortization table
amortization schedule
Resolved Question: Any REALISTIC ideas how we can scale back our budget?
Here’s a breakdown of my husband and my monthly obligations:
Mortgage: $1206
Car payments: $466
Electric: $120
Natural gas: $66
Verizon: $70
Cable/phone/internet: $80
Water/waste disposal: $75
Life insurance: $85
Auto insurance: $174
Student loans: $120
Credit card: $51
Currently, my husband is getting a lot of overtime, and we are bringing home $4,400 a month. However, in June his overtime will end for about 8 months, and his income will settle back down to approx. $3,000 per month. Both of these figures are after health insurance, taxes, and our 401(k) contribution of 4%.
I am extremely grateful that we are making what we are in this terrible economy, but it’s very frustrating because once the overtime ends, we will just be making it, with room for few extras, and I just don’t know what else we can cut down/cut out.
Our mortgage is not going to change; in fact, it could very well go up if our homeowner’s insurance premium goes up or our city decides to raise the real estate tax;
We owe 3 more years on our cars, and $466 TOTAL between both payments is quite cheap, and it’s silly to trade one of our cars in for something cheaper since we have already paid so much on them, so there’s not much to do with that;
Our natural gas, electric, and water bills are right on par with the local average – we are very conscious of our lights, heat, and water usage, and can’t cut these bills back anymore without major discomfort;
We are in the middle of a 2 year contract with Verizon and are on the cheapest plan available (they actually don’t even offer our plan anymore… we are grandfathered. The cheapest plan currently for two lines is $20 extra a month);
Our phone/cable/internet bill cannot be reduced – I work at home and depend on the house phone, since my husband and I share a mere 500 peak minutes on our cells, our cable is the minimum package at $12 a month – basically just prevents us from needing rabbit ears, and our internet is the cheapest available in our area;
We just acquired life insurance, which is $50,000 each whole and $100,000 each term – that’s a necessity, especially since we are 23 and 24 and locked in our rate for life;
Our auto insurance could be lowered by upping our deductible to $500, but I called and asked about it, and it would only make a $30 difference every 6 months, which doesn’t seem worth it considering we’d be upping our deductibles so much.
The student loan… well, there’s not much we can do about that. We could get it financed for more than the standard 10 years, but then you are just spending SO much extra money in interest.
We have recently paid off $1,100 furniture, $500 department store charge, $1,500 Best Buy, $1,600 on my credit card, and now all we have left is my husband’s credit card, which has a $3,000 balance. Most of this debt was from early in our marriage and we decided quickly that we didn’t want to carry debt, so we have been working hard to pay it off. Before my husband’s overtime ends, we will have paid the credit card completely off.
So… any realistic ideas of how we might cut our expenses? All the articles on the internet are so cheesy or unrealistic. For instance, I’m not in dire enough of a situation to reduce my heat to 60 degrees!
– OUR income will be $3,000. Not just his.
The insurance deductible reduction would only lower my auto insurance $30 every SIX months, not every month. I wish it’d lower it $30 per month! 
Here’s another datapoint for your prop-13 arguments. This property is selling for $1,500,000, but apparently they only pay $81.66/year in property taxes. http://www.redfin.com/CA/Half-Moon-Bay/Undisclosed-address-94019/home/17494481
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