#Personal #Finances Done the Right Way #ITPN Believe it or not, but the Income Tax Planning Netwo…: #Personal … http://bit.ly/1Tec7Wl 

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Why Your Beachfront Investment Property Might Lose You Money in 2015

Did you notice that it’s not summer right now? Yes. There’s snow on the ground. That blizzard occurred over on the east coast, record numbers, and the Midwest isn’t any slouch either. You can imagine, too, a lot of the summery spots don’t see a lot of action, because, yes, the temperatures drop and people start migrating back to where stores are still open and people can get some hot chocolate down their pipes.

Face it: your beachfront investment property’s down for the count (at least until the temp warms up and people flock back to the wind, sand and surf). What does that mean? It certainly doesn’t mean you’ve missed out on the H.O.P.E. Program and your prospects for a zero-down home.

You’re Losing Money, Though. A Lot of It.

It’s to be expected, and you’re probably prepared for it. After reading about all the disadvantages to having beachfront property, you practically dread it. Perhaps you offset the lost revenue by upping your prices on tenants, and that’s all fine and dandy, particularly when weather becomes an issue. You’ve got to pay for repairs, upkeep and maintenance, and it can get costly.
Is it all worth it, though? It depends.
If you notice: beachfront properties are known not only for the sand and surf, but for the stores and commerce associated with it. You buy your t-shirts, candy, surfboards, board shorts, coolers and kites. Economy soars for those communities, but when the winter hits, it all shuts down. It might not hurt you at all, but just in case you’re running a business in that community, not only do you have to worry about maintaining the beachfront home, you also have to worry about maintaining any bills you have for businesses you own.

Consider Your Finances Carefully

If you play your cards right, you just might sit fine on a beachfront property, perhaps living in it all year round. After all, grocery stores would still be open. You’d have all your necessities. As an investment property, though, consider that you might be pouring more money into it than getting out of it. Just a thought.

Here Are the Down Payment Averages for #WestVirginia This is the astonishing thing about #realest…

Here Are the Down Payment Averages for #WestVirginia

This is the astonishing thing about #realestate: down payments and full selling prices don't always go together. That's why it's crucial to look at ALL of the data as well as your budget and determine whether or not it's a good idea for you to live in, say, West Virginia?

The fact is a down payment percentage implies success in securing the home for sale. So let's say you're a prospective home buyer. How much do YOU think you need to put down to entice the buyer to take your offer? Here's what the market's been seeing in W. Virginia:

15.11%. That's about $32,562, figured in by the entire sales price of the home. Take notes and get that calculator.

What Kind of Mortgage Down Payment Are You Looking For? It Might Depend on the State You’re In!

They’re called mortgage trends, friends. Do the research here. Of course, we’re noticing that there’s one major trend going on in the real estate market, and that’s the higher down payment, but perhaps you might want to stick…

Reason 3 Why #LGBT #Workplace #Discrimination Will Be No More: #CocaCola If THIS successful compa…

Reason 3 Why #LGBT #Workplace #Discrimination Will Be No More: #CocaCola

If THIS successful company can support the LGBT community, ANY company can. Just so you know, we define corporate success as this — over 146K people work for Coca-Cola worldwide. The soft drink itself is worth about a billion dollars, too.

For a company founded back in 1892 — and still going strong — we don't see this company folding anytime soon. And there's certainly always going to be a place for anyone in the LGBT community.

Worry Not About LGBT Workplace Discrimination

We recently seen the news about Kim Davis, Pope Francis, and the gay marriage thing, so everyone’s worried about workplace discrimination. Fear not, though!

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Last chance !! ***Ford Cars from $137/mo…..Dodge, Chrysler, GM, Kia, Honda, Toyota, Hyundai and more! http://aweber.com/t/QQx6y 

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How to Cover #ClosingCosts While Getting Brand-New Furniture for Your #Home You might’ve already …

How to Cover #ClosingCosts While Getting Brand-New Furniture for Your #Home

You might've already heard about the financial assistance you could get for making that down payment work, but then what about the closing costs? Oftentimes THAT'S the deal breaker for many looking to get that #mortgage  but without the #finances  necessary to make it happen.

We've got good news for you — your closing costs could ACTUALLY cost you zilch — if you know how to ask the right questions.

The thing is cash gifts can count. What I mean is that oftentimes the closing costs will apply to your actual income, but you CAN, in fact, apply additional money gifted to you by friends, family, even coworkers, without that modifying your rates.

How do you find that out? Simply ask your lender. See if the option is there. This is a great way to shop for a lender as well, because who knows: you could literally save THOUSANDS in closing costs, allowing you to buy that new furniture for your new home. Merry Christmas to you.

Real Estate Money-Saving Tips for Closing-Down Payments

Those are the two things first-time home buyers hate the most: closing costs and down payments. We have these real estate money-saving tips, though!

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#Personal #Finances Done the Right Way #ITPN Believe it or not, but the Income Tax Planning Netwo…: #Personal … http://bit.ly/1lDFdAV 

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Buying a Ferrari With Your Home Equity Loan: a Good Thing or Bad Thing?

The option’s always there, so why not enjoy it? Because you’re a homeowner — and a reliable one at that — that home equity loan is right at your fingertips, and you have every right to use the funds to get whatever you want in terms of disposable goods and services. Believe it or not, though, there’s actually some benefit to shelling out that loan money (only to have to pay it all back) on stuff you may not really ‘need’ (like a Ferrari, for example) —

Your Interest Will Be Deducted for Your Home Equity Money

Fairly fun reason to buy that high-priced car, or boat, or maybe a brand-new beachfront summer home! All that cash you shell out would look nice on your 2-hour tax return, no doubt, and needless to say, that’s a great reward for your hard work in maintaining your mortgage payments right down to the day, every month, every year.
Pay close attention to the slight negatives, though, and it may be a big one (depending on your health)

Watch Out for Medical Bills and Other Emergencies

You’ve seen the deal regarding emergencies, especially with credit cards. The problem with getting hit hard on the unexpected front is that, lo and behold, you’re still saddled with this one home equity loan for your zero-down home from H.O.P.E. to Own that you have to pay off, thinking, “oh, man, if I only had these funds to pay for my heart surgery or Lasik!” It’s unfortunate.
Even worse, you might have that Ferrari traded in (or out of commission due to an accident you had because of your bad eyesight since you didn’t get that Lasik surgery), and you’re as healthy as a horse — and you’ll still have those equity home loan payments to make until you’re all caught up. That’s where a loan doesn’t seem so fun to have!

Just Be Prepared

That ‘free’ money matters so much, so do enjoy it — to an extent. Maybe you don’t need the Ferrari. Who knows. But just know that the home equity loan is there — for anything you want! And that, my friends, might be a good thing or bad thing as well.