USE FIRST AND SECOND NOTES INSTEAD OF CASH
credit -mortgage-info
When you are ready to purchase your dream home, think in terms of non-cash
ways to obtain it. First and second notes can easily serve as the equivalent
of cash money. The advantage of using notes in place of money is that
you receive 100% of the value of the note. If you wanted to convert a
note to cash by selling the note, chances are you would have to accept
a discount price on it. This discount could range anywhere from 10% to
30%, depending on the time left on the note, interest, and the history
of payments. When buying real estate, it is wise to substitute notes
for cash. In this way you can receive 100% value for your paper.
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This
was Arkansas first Internet
real estate magazine devoted to Arkansas for
sale by owner
residential and commercial property.We
hope that you will find what you desire in our property listings
and information. This is a new publication so visit often.......Our
listings will be increasing and updated regularly, their
will always be something new to see. If
you are thinking about selling your property, we would invite you
to ad it to our site.
You
can start your advertising anytime...do it when you`re ready. Their
are no deadlines on the Internet with Arkansas for sale by owner
magazine.Forget
about counting words! We encourage you to write as much about your
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can tell more about your property than you can. You may never get
a chance to make a second impression on your buyer-so the only limit
you haveis the one you choose to impose on yourself.
If
you have e-mail access, we will include a hot-link to your e-mail
address at no charge.You
can make changes/edit your advertising at any time. Just e-mail,
OR REGULAR MAIL yourchanges and you can consider it done.-and at
no charge.
The
most cost effective advertising available for Arkansas real estate.
Our basic advertising package is for 3 months-90 days for $20.00.
You will have at least one 4x6 color picture, and your unlimited
text available 24 hours a day, 7 days a week. If you would like
additional pictures, they can be included for $18.00 for the same
3 month period. their are no hidden costs or charges of any kind.Note:
the above $20 rate is for residential and/or land. If you have commercial
property to advertise, the rate is $55.00 for 3 months.Other
rates are available for longer periods of time. $10 rate for text
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Tips For First
Time Home Buyers
First time home buyers face many challenges in understanding
the process of purchasing a home, obtaining a mortgage, and
knowing which type of loan will best suit their needs. Advice
from well meaning loved ones can be helpful, but buying a
home is a major financial commitment and you would be wise
to educate yourself on the home buying process before taking
the first step.
When you make the decision to purchase a home, talk with
a real estate agent who can give you expert advice and valuable
information. The purpose of this initial meeting is not to
sign a representation agreement with the real estate agent,
but instead to make yourself aware of local real estate customs
in your particular area. If the agent has no time to discuss
the home buying process with you, then keep looking until
you find one who will. A good real estate agent will offer
you information on the local real estate market and give you
an idea of the types of mortgage products that are available
to you. A mortgage broker or lender can also give you valuable
information when you decide to buy a home.
The questions you should ask the real estate agent or mortgage
broker include how to make an offer on a home you wish to
purchase and the specifics involved in between making your
initial offer and the final acceptance of the offer from the
seller. Ask about the settlement costs, the down payment amount
that you may need, and the length of time involved between
the acceptance of your offer and the final closing date.
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Make sure you understand your credit situation and what it
means to you as far as applying for a mortgage. Down payment
requirements and the interest rate you will receive are directly
related to your credit score. You should be aware of exactly
what is on your credit report before beginning the home buying
process.
These tips will give you a good start in making wise decisions
when you purchase your first home. Keep in mind that buying
a home can be stressful at times and that a calm attitude
and the ability to cope with any issues that may arise calmly
will make the purchase of your first home a more pleasant
experience. Buying your first home is one of the most exciting
events in your life. Give yourself the information you need
and take the advice of experts when you begin the home buying
process. The experience will be less stressful and you will
benefit from the knowledge you have gained.
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| Many people earn wages just enough to supply their
basic necessities. But if you truly want to be financially secured,
you have to acquire more money than what you’re spending – money
that you can invest in a business or in other ventures that can propel
you to financial freedom. To be able to do this, you have to start
saving early in life.
Here are some pointers regarding saving money:
1. Set a minimum amount to be saved. Savings are not meant to
cover bill payments should one fall short of cash. They are intended
for financial security. A little savings, in time, will become
big; and it can be used as investment capital to earn more. Question: “Where
will I get the cash I need should I fall short of it?” The
answer: “Find other means of earning extra income, say a
weekend part-time job. Any excess cash from one’s part-time
job can be added to your savings.
2. Shop only for items needed, not for products that you wanted
to buy on impulse. Think first before you purchase. Don’t
fall prey to bargains not needed. It is not suggested that one
should starve or be in a pitiful state. As a matter of fact, one
can reward himself/herself once in a while for accomplishments
made.
3. Review one’s lifestyle. Change or scale down habits that
seem to be not-so-wise spending. For instance, frequent eating
in restaurants which is more expensive than homemade cooking can
be lessened. Taking the bus or train when possible, instead of
driving one’s own car, can save on gas and parking fees.
If one have to drive his/her car, try car pooling with officemates
or neighbors; thereby sharing on expenses.
4. Check your regular monthly bills on utilities like electricity,
gas, water, telephone and ask oneself: “Where can I save?”
It may take a while to get adjusted to a lifestyle in the “savings” mode,
even to the point of “little sacrifices.” Adapt a gradual,
progressive change to save to lessen the impact of adjustment from
the lifestyle one used to be accustomed to.
There are more ways of starting the path to a financially secured
life by making use of one’s creativity.
Remember, little things mean a lot.
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