Playing it Safe With Credit Cards: Pull Lever Only During Emergencies

Whether it’s a lever or a button, if it’s red, you know you could end up dead. Unless it’s an emergency, and you absolutely have to press that button! It’s a last resort. No turning back. Do or die! Exciting, isn’t it?

Well, That’s Actually How Credit Cards Are, Too

They’re like emergency buttons. Or at least that’s how they’re supposed to be. We can read about all the must-do’s and should-have’s when it comes to credit cards, but here’s the thing — the single most important motto you must take with you is this: credit cards must be used only as a last resort.
Against all better judgment, use your credit card as a last resort. If there’s an asteroid coming at you, and you’ve exhausted all measures to try and thwart the big, dumb rock, use your credit card as a last resort. If you have no money, no car, no clothes, no pizza, and no way back home from the Mojave Desert, and all you have on you is a credit card — then, and only then, you must use it as a last resort.

That’s How Credit Cards Were Meant to Be Used

When you think about it, it makes sense. This goes with all sorts of education under your belt, particularly when it benefits your credit repair regimen with Lexington Law. Of course, the experts there will tell you the same thing: prevent the future from collapsing on you and focus on emergencies only when using your credit card.
That means if you can eat it, drink it or use it for your own benefit somehow, better hold off on pulling the plastic and wait until you have some good ol’ fashioned, cold, hard cash. You save yourself some trouble.
That means if your car breaks down, and you don’t have enough cash immediately on you, go ahead and pull the Visa out. If a hurricane hits your home and pulls the roof off and you have to pay off a deductible, I would think it’s okay to get the Mastercard out. You see what I’m saying?

It’s a Minor, Yet Still Extremely Important Measure, to Take When It Comes to a Credit Card

Because you do have to remember one thing: when you contact the H.O.P.E. Program to consider owning your own zero-down home, know that your credit score will matter tremendously. You can’t have a good score, though, without actually using the credit card (or other lines of credit, whatever they may be).

So practice this, above all else: responsibility. And don’t press that emergency button unless it’s absolutely necessary.

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.

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.

Why the Guardians of the Galaxy Might Be Investing in Real Estate Soon

Just ask Star-Lord. He’s all about opportunity. And Groot’s just Groot. However, even in the wide array of the Milky Way Galaxy, the Guardians can see that real estate technology can be the wave of the future and a virtual black hole of possibilities ensuring that everyone’s supercharged for the next best battle on the home front.

Real Estate Technology at Its Best

Out of all real estate trends for 2015, this stands as the one people are probably the most excited about. Even a talking racoon would be excited about this. Let’s just hope you don’t pimp out your home with streamlined costs in cloud-controlled security cameras to beef up your protection.

Additionally, you can check to see if the Rocket Raccoon’s making moves with motion sensors built in around your home. And with all the security at your fingertips, you just might not need to worry about having Gamora and Drax the Destroyer on call to whip some burglar tail in your home.

Technology Makes Home Living That Much Easier

But before you do, visit H.O.P.E. to Own to get in on the fast track with a zero-down home. Who knows — you, too, just might be a “guardian of the galaxy” — or a collaborating member of the Avengers, maybe? — after hitting your 640, getting the keys to your house, and moving in faster than light speed.

Avoiding Cabin Fever by Enjoying the Outdoors

Whether you’re in a mansion or a cabin, follow this basic rule of thumb: always try to get outside! Enjoy the sun. Enjoy the air. After all, your body needs that oxygen! What happens when you don’t get those basic necessities: cabin fever.

The Scientific Study of “Cabin Fever”

Yes, this is a real thing. Not a movie. Not anything involving issues with “The Purge” and some apocalyptic universal one-day-in-a-year-crime-is-legal mentality. There have been cases of people going basically stir crazy in their homes due to a claustrophobic reaction resulting from isolation and small spaces (something to watch out for in a tiny Maine house? Maybe not.).
Interestingly enough, this phenomenon called “cabin fever” first recorded and studied back in 1838 isn’t so much about the space as it is the options available to pass the time away. When you think about it like that, the extreme irritability, paranoia and restlessness typical of someone suffering from cabin fever’s a no-brainer as far as the antidote — you need to get out, man!
Walk out of the door. Into the sunshine. And explore, for crying out loud. After all, the outdoors even benefit marketing campaigns, and that’s for people who are actually at work! We humans were meant to be outside; just ask Adam and Eve.
This doesn’t mean, though, that you can’t live on a boat, or a cabin, or a small mobile home for a lengthy period of time. You can. You just need to bring the outdoors into your daily living as well. The tiny isolated home you live in then just becomes an extension of your lifestyle.
This largely is supported by the fact that you can still go stir crazy even in a massive mansion (I’d venture to say that you can go crazier with all that space).

Home Isn’t Just a ‘House’

You, therefore, when approaching the H.O.P.E. Program for the prospect of getting a zero-down mortgage, don’t worry so much about square footage. Just a thought. Think function versus trend or satisfaction. Happiness comes from within, and then with that happiness, you make the home. You don’t make the home with an in-ground pool, trendy curb appeal, and a spiffy mailbox (although that could help a little, I guess).

Bend Toward South Bend, Indiana, for Retirement Prospects

They call this state the “Crossroads of America,” and for good reason. Indiana’s a hometown, a go-to, a throwback, a place where time seems to stand still. Urban legends exist there; folk tales reside within the cities of this state, but here’s the big question — is it necessarily a great place to retire in? Try South Bend for starters.

Why South Bend, Indiana, Ranks Up There for Retirement

Bear in mind this important fact — it’s not just about the small-town feel when it comes to retirement cities. Think about fixed incomes, for instance — or maybe even limited resources to explore and redefine yourself. After all, if you’re looking to retire, you’re not looking to do a whole lot of moving around and spending cash.
Aside from the lack of a state tax on social security — which automatically makes it a benefit to you as a retiree — South Bend is all about university life and entertainment at minimal cost and maximum convenience. It’s generally fun living in this town!
Think football, for instance — as in the Fighting Irish of Notre Dame. Loving the football makes for a great day of the season, not to mention you get free campus tours of the legendary university, if that’s your deal. I’d say it’s legendary specifically because the campus does draw quite a few prestigious entertainment acts, so you most likely will be on the lookout for those events as you enjoy your retirement.
You could be fortunate to land a rent-to-own, or maybe a zero-down mortgage, and if that’s the case, jump on it. Why?

South Bend Brings It for Retirees

It’s a total touchdown for retirement. Sure, the population’s up there, but that’s what retirement should be all about: fellowship, fun and friends all around you. When you’re retired, you’re not just relaxing; you’re living. And you’re living proud.

Register to Buy a Home With THIS Site Right Now

One thing’s for sure: we have to keep up with the signs of the times, and here’s what those signs say: ACT NOW, ACT NOW, ACT NOW. You have to get the information you need now, what with the rising home prices in America, plus the new mortgage rules in effect, and the fact that the trends are showing that prospective home buyers are offering more down payments. United States real estate never looked better (right, China?).

So What Do You Do? You Register to Buy a Home. Immediately.Register to Buy a Home Screenshot

With this one site. Check it out right here. This can literally solve all of your issues in one fell swoop, and as you’re focused on a rent-to-own — and perhaps you’ve already secured one via the Ultimate Rent-to-Own Home Program — you’ll be looking to get everything squared away with credit repair, a lender, and the right mortgage loan well before you exercise your lease option to buy.

This is the site to get that all done. And there’s even a phone number to call, giving you that option to speak with a specialist immediately and get started today.

It’s Hard Work Getting That Home Loan, Plus Maximizing Your Chances of the Seller Accepting Your Offer

Yes, even some legal assistance would be necessary. But this, yet again, is yet another benefit you may have with the offer RegistertoBuyaHome.com — you don’t have to do anything! Well, except register….

Register with your credit score (if you know it — if not, not a problem), and you’re all set. That’s it. And it’s no secret that we at Rent-to-Own Reviews award the offer a healthy five stars without a problem. Simple registration. Easy consultation. You know exactly what you need to get that home without having to waste so much time with other professionals and needless research.

Are you done reading? Good. We’re taking a cue from how easy it is to register to buy a home with this site, so you do the same. Enroll now. And those house keys will soon fall right into your hands.

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The Key to Selling Your House: Empty Closets

Picture Sherlock Holmes deducing the mystery behind the unsold home in a hot market with a favorable price and no interested buyers. As he snoops around for clues, what do you think he would find? No, he wouldn’t find the black mold in the basement deterring prospective buyers from making an offer, nor would he find the lack of atmospheric music and home-baked cookies during an open house. None of that matters, ultimately. Home staging isn’t simply about the presentation as it is about showing the buyer one important aspect of real estate: storage.

Selling Your House Is All About Selling StorageSherlock 2 Specials

The real estate trends these days are pretty clear, actually: storage is a big deal. How can a prospective buyer, though, get to see a home’s storage benefits if there’s so much clutter in the home? Sure, it looks nice to see those closets taken advantage of to the greatest effect, but what a buyer wants to see is the actual space as they picture their stuff occupying it.

That means you should empty your closets of at least half of all your shoes, clothes and detective outfits. Be sparse, almost strangely museum-like with the space. Go minimal when selling your house. Be organized. Let the space — not the stuff in it — speak for you.

Like the great detective would do, buyers will snoop while selling your house, and they will see if closets and cabinets aren’t kept tidy. Uncleanliness is unkempt when it comes to selling your house, leaving buyers fickle and walking out without ever opening up their wallets or purses.

This is especially cool to do if you just so happen to have a student go off to college with his/her first credit card, leaving some belongings in the closet. Get them out of there. Start anew.

And Before You Know It, Your Mystery Has Been Solved

It might shock you as you stage that rent-to-own home with an emphasis on an abundance of space and the offers flood in. Case closed, and the game was surely afoot, wouldn’t you say, ol’ chap?

The Reason Why Sunshine Helps Sell Your House

Like Fall Out Boy lighting them up and the Hunger Games catching fire, the real estate industry does the same ablaze with this one strategy among many trade home selling secrets: it’s all about the light. Blazing light. No, don’t get me wrong; I don’t want people to go blind, but as you sell your house, know that natural light does make a difference.

Statistics Don’t Lie: Buyers Like Lighting

I don’t mean lamps and light bulbs, though. I’m talking about sunlight. Straight through the windows.home selling real estate light bulb That means as you sell your house, don’t be afraid to open as many windows as possible. Go beyond that even — take the drapes down! You heard me. Sure, it’ll look like the windows are naked, but buyers won’t see the windows, per se; they’ll see the outside and all the light flooding in to illuminate every feature of your home for all to see.

When buyers can see every nuance, every nook and cranny, thanks to natural light, you stand a better chance of a great impression the moment buyers leave your open house. Do yourself a favor: sell your house by cleaning your windows. Trim your bushes out in the front and back lawns to let more of those rays in. You can also change out the lampshades for something a bit more minimal and let the bulbs you already have really shine and contribute. Even increasing the wattage of your light bulbs can help.

It sounds stupid, but it works. Ask any home seller out there in the market who decided to show the dwelling in the dark. Darkness usually doesn’t bring out good feelings, people….

To Sell Your House, Make Your House Bright

What other way to make a home bright (and cheery) then utilizing natural light, especially highlighting the coral-colored kitchen you just updated? Talk about maximizing your chances to sell that rent-to-own home of yours.

Why a Tech-Savvy Real Estate Broker Will Get You in Escrow

There was a day in neanderthal times when you could sell a ‘cave’ with just a listing carved on a wall and no comparables. After all, a cave was just a cave like anywhere else, and more or less location, location, location was the premier strategy, as nobody wanted to set up their living room next to a nest of prehistoric killer bees or a pack of saber-tooth tigers. Most definitely, there never was that caveman real estate broker with the briefcase trying to show the cave to prospective buyers, because even back then, money and price wasn’t really a selling point!

Times Have Changed Now, and You Need the Right Real Estate Brokerhome sellers real estate caveman

And, yes, you may need a real estate broker even if you’re a home seller looking for a prospective buyer on your property. Some might think only buyers need the real estate help — that’s not true. Home sellers need trade secrets, too. In this heavy and intense market, a real estate broker, agent, property manager, etc. etc., can provide representation for both sides, quite often.

A lot changes when it comes to the real estate industry. Having a well-informed real estate broker on your side ensures that you don’t miss out on anything. Such a specialist would consistently check with the multiple listing service (MLS) to know what properties are starting to get hotter than primordial ooze, analyzing the comps the way a raptor would coordinate an attack on the hapless caveman wondering the hills like an idiot.

It’s just smart to have that real estate broker on your side. It’s worth the investment, and while there’s going to be a charge on it, trust me: that top-dollar offer you’ll get will more than make up for it.

Embracing Technology to Get That House Sold

Like efficiently answering questions of rent-to-own or full-on broker or agent representation, technology takes the everyday real estate broker and turns him/her into a T-Rex. Guaranteed. So look for the highest quality in a real estate broker. Perhaps H.O.P.E. to Own can help with your potential rent-to-own home as well, and if you do have any questions, don’t forget to bring your club and loincloth.