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Digg it UP - First Time Home Buyers: Tips to Buying Your First Home that will Reduce Stress and Buyer's Remorse
It always amazes me how many complaints there are when Google changes its algorithms due to the abuse the search engines receive from the underhanded webmasters. When, if they built their sites correctly in the first place with the searchers/surfers needs in mind instead of the quick buck, they wouldn’t have to worry. Lets’ face it, Google and the other search engines are constantly battling the cheats and as a result sometimes the innocent get caught up in the necessary algorithm changes. Well now Google (and the others not far behind I’m told) will not have to suffer too much of the black hat treatment any longer. For instance, you have probably noticed that when you do a search on Google of late, you more than likely find what you’re looking for quite quickly. The amendments I dare say are still underway.You only have to consider this for a few minutes before it becomes blata
8. Create a “Must Have / Would Like” list of features - accept compromise as an element of home buying – unless your first home is custom built, accept that you will need to compromise on some of the features you have on your list of features. Remember item “2” - this is just your first home. Getting all the house features you want requires a longer term view – a goal on your next home.
9. Scope out any neighborhood in which you want to own a home – just like test driving an automobile before you buy it, walk around your potential neighborhood. Check out schools, shopping and city hall (use the web) for zoning (building projects), crime levels and types, community involvement. Talk to people who live and work in the area you are considering a home purchase.
10. Accept the fact that your current social lifestyle may shift a
Backup tapes are important. Aside from the fact that backup tapes can save a company's data in the event of a software failure, hard drive failure, or a database corruption... backing up a company's data on a regular basis should be a part of every IT department's disaster recovery plan.As part of that plan, IT departments should test and validate that the backups are in fact backing up data and is able to be restored. Most companies assume that once the backup is running everything will be safe. However, not many IT departments routinely check the error logs to discover problems. And only when a disaster occurs do they realized that the scheduled backups have not been collecting all of the data.From an IT point of view, the above is one of the hurdles they deal with on a daily basis. From a legal point of view, those backup tapes are even more valuable. Those tapes repre
Every step along the way to becoming a property owner brings a new rush of questions.
This first-time home-buying torrent of questions can, at times, feel like you are fighting river rapids in a kayak. Just like novice kayaker, it is fear of the unknown in home-buying that creates the stress.
Can we afford this house?
Did we pay too much for this property?
Will we be able to make the monthly payments?
How will we pay property taxes and still have money for any maintenance and renovation costs?
Will we have a mortgage forever?
Notice most questions and fears are centered around finances. Not surprising then that this big purchase would cause you stress. Finances or Money is the number ONE cause of stress in our lives.
Our experiences can be the information that can help you steer the ship named 'Home Equity'. Equity - the difference between the market value of a property and the claims (loans + mortgages) held against it.
Here are a TEN pointers that helped us and can help you through the psychological aspects of buying your first house (you might even experience an adrenalin rush):
1. Accept that buyer's remorse will happen and it could overcome you early in the process of purchasing your first home. Buyer's remorse is a natural feeling where we doubt ourselves and question our purchasing actions. It may last for months after you buy. These are natural feelings to have; a home is a large purchase with significant impact on your lifestyle. Remorse will give way to a contentment as you make this house your home. Buyers remorse usually lessens as you become more experienced in buying and selling houses.
2. Buy a House, Sell a Home. Buy to resell. Buy with resale in mind. Remember that this is your FIRST house purchase, and not likely to be your last. Within 3-10 years of buying a house you are likely to sell and buy a second, third, or fourth house. Perhaps you will buy more than that number. No matter the number of houses you buy, do so with the view that you will re-sell, make a profit, buy UP (larger home) and/or reduce your mortgage on subsequent house purchases.
3. Pay the minimum Down Payment on your first house – unless you are paying 25% or more against the total price of the house (this may provide you with some relief on the mortgage rate), THEN pay the minimum. Use your cash for legal fees and transfer taxes PLUS for household improvements (like painting), maintenance and furniture/appliances/tools purchases. Remember point number “2” - this is your first home.
4. Don't make yourself 'house poor' - Amortize your first mortgage to the limit (25 years plus). This will reduce the impact to your monthly cash-flow (mortgage + interest payments). Don't concern yourself with paying down this FIRST mortgage in 5, 10 or 15 years. You expect to build equity in your first home to apply to your next home purchase(s). Remember item “2” - this is just your first home.
5. Loans and Mortgages are a Fact of Life – settle into the idea that you will likely have a mortgage and some form of loans for most of your working life. Unless you come from “material substance”, i.e. money, or have won the lottery, you will have large debt for most of your life. Accept that you are likely not to be in a position to eliminate your mortgage until you have worked 20-25-30 years.
6. Shop around for your mortgage – mortgage hunting can be an exciting thing. Use it as a learning experience. Bankers, Mortgage brokers and Real Estate agents all want to give you the money! Talk to other first time home owners. Compare interest rates, terms of mortgage and payout penalties. It's a numbers game - have fun with this financial aspect of home ownership by familiarizing yourself with financial terminology and ask those 'mortgage financiers' to break it down into layman's terms so you can understand it.
7. Separate an 'emotional' buy from a 'good' buy – this ONE THING will be your biggest hurdle, causing additional stress between a couple in their hunt for the first home. Real estate agents may try to leverage (manipulate) this couple tension to their advantage – like getting you to buy beyond your means or buy NOW because other offers are on the table. As difficult as it may become, agree as a couple that if things are not right for you as a couple that you are willing to walk away from any house deal on the table. Be vigilant in reaffirming this point to each other.
8. Create a “Must Have / Would Like” list of features - accept compromise as an element of home buying – unless your first home is custom built, accept that you will need to compromise on some of the features you have on your list of features. Remember item “2” - this is just your first home. Getting all the house features you want requires a longer term view – a goal on your next home.
9. Scope out any neighborhood in which you want to own a home – just like test driving an automobile before you buy it, walk around your potential neighborhood. Check out schools, shopping and city hall (use the web) for zoning (building projects), crime levels and types, community involvement. Talk to people who live and work in the area you are considering a home purchase.
10. Accept the fact that your current social lifestyle may shift a
Hi All!The adage: 'There are no second chances in making a striking first impression' is of much consequence in today's revolutionised and IT steered world. The first few moments of contact are going to set a measure for your future success. Thereon continually enhancing your presence on the block becomes a strategic and challenging task. So, if you are planning to enter the competitive arena of creating a successful website presence, read on.Creating a successful website presence is not just about flashy designs and announcing that you have arrived but it is an immensely specialised task. Having an edge over your competitors and bridging the gap between the intended brand identity and the image perceived by your clients has to be your strong suit. A successful web presence is the one that continually works on increasing your business exposure, increases the sales
How will we pay property taxes and still have money for any maintenance and renovation costs?
Will we have a mortgage forever?
Notice most questions and fears are centered around finances. Not surprising then that this big purchase would cause you stress. Finances or Money is the number ONE cause of stress in our lives.
Our experiences can be the information that can help you steer the ship named 'Home Equity'. Equity - the difference between the market value of a property and the claims (loans + mortgages) held against it.
Here are a TEN pointers that helped us and can help you through the psychological aspects of buying your first house (you might even experience an adrenalin rush):
1. Accept that buyer's remorse will happen and it could overcome you early in the process of purchasing your first home. Buyer's remorse is a natural feeling where we doubt ourselves and question our purchasing actions. It may last for months after you buy. These are natural feelings to have; a home is a large purchase with significant impact on your lifestyle. Remorse will give way to a contentment as you make this house your home. Buyers remorse usually lessens as you become more experienced in buying and selling houses.
2. Buy a House, Sell a Home. Buy to resell. Buy with resale in mind. Remember that this is your FIRST house purchase, and not likely to be your last. Within 3-10 years of buying a house you are likely to sell and buy a second, third, or fourth house. Perhaps you will buy more than that number. No matter the number of houses you buy, do so with the view that you will re-sell, make a profit, buy UP (larger home) and/or reduce your mortgage on subsequent house purchases.
3. Pay the minimum Down Payment on your first house – unless you are paying 25% or more against the total price of the house (this may provide you with some relief on the mortgage rate), THEN pay the minimum. Use your cash for legal fees and transfer taxes PLUS for household improvements (like painting), maintenance and furniture/appliances/tools purchases. Remember point number “2” - this is your first home.
4. Don't make yourself 'house poor' - Amortize your first mortgage to the limit (25 years plus). This will reduce the impact to your monthly cash-flow (mortgage + interest payments). Don't concern yourself with paying down this FIRST mortgage in 5, 10 or 15 years. You expect to build equity in your first home to apply to your next home purchase(s). Remember item “2” - this is just your first home.
5. Loans and Mortgages are a Fact of Life – settle into the idea that you will likely have a mortgage and some form of loans for most of your working life. Unless you come from “material substance”, i.e. money, or have won the lottery, you will have large debt for most of your life. Accept that you are likely not to be in a position to eliminate your mortgage until you have worked 20-25-30 years.
6. Shop around for your mortgage – mortgage hunting can be an exciting thing. Use it as a learning experience. Bankers, Mortgage brokers and Real Estate agents all want to give you the money! Talk to other first time home owners. Compare interest rates, terms of mortgage and payout penalties. It's a numbers game - have fun with this financial aspect of home ownership by familiarizing yourself with financial terminology and ask those 'mortgage financiers' to break it down into layman's terms so you can understand it.
7. Separate an 'emotional' buy from a 'good' buy – this ONE THING will be your biggest hurdle, causing additional stress between a couple in their hunt for the first home. Real estate agents may try to leverage (manipulate) this couple tension to their advantage – like getting you to buy beyond your means or buy NOW because other offers are on the table. As difficult as it may become, agree as a couple that if things are not right for you as a couple that you are willing to walk away from any house deal on the table. Be vigilant in reaffirming this point to each other.
8. Create a “Must Have / Would Like” list of features - accept compromise as an element of home buying – unless your first home is custom built, accept that you will need to compromise on some of the features you have on your list of features. Remember item “2” - this is just your first home. Getting all the house features you want requires a longer term view – a goal on your next home.
9. Scope out any neighborhood in which you want to own a home – just like test driving an automobile before you buy it, walk around your potential neighborhood. Check out schools, shopping and city hall (use the web) for zoning (building projects), crime levels and types, community involvement. Talk to people who live and work in the area you are considering a home purchase.
10. Accept the fact that your current social lifestyle may shift a
One of the reasons why your items aren't selling, is because of your bad pricing strategy. In this article, I shall be giving you 3 powerful ebay pricing strategies that will make your items sell like crazy. You will also get a free link to a recommended ebay resource that I constantly use to make over $30,000 monthly on ebay.Here are 3 powerful ebay pricing strategies that you can implement immediately:1. "Go for it" Strategy: To use this strategy effectively, all you need to do is list your item for 10 days,starting on a Thursday. This will ensure that your listing allows bidders to push up the price themselves. That way, you can make a bigger profit than you would have with any Buy it Now price.2. "Few dollars More" Strategy: What uou do here is, set your item bidding price to the normal Buy it Now price that you would usually charge. Then set your Buy it Now pr
2. Buy a House, Sell a Home. Buy to resell. Buy with resale in mind. Remember that this is your FIRST house purchase, and not likely to be your last. Within 3-10 years of buying a house you are likely to sell and buy a second, third, or fourth house. Perhaps you will buy more than that number. No matter the number of houses you buy, do so with the view that you will re-sell, make a profit, buy UP (larger home) and/or reduce your mortgage on subsequent house purchases.
3. Pay the minimum Down Payment on your first house – unless you are paying 25% or more against the total price of the house (this may provide you with some relief on the mortgage rate), THEN pay the minimum. Use your cash for legal fees and transfer taxes PLUS for household improvements (like painting), maintenance and furniture/appliances/tools purchases. Remember point number “2” - this is your first home.
4. Don't make yourself 'house poor' - Amortize your first mortgage to the limit (25 years plus). This will reduce the impact to your monthly cash-flow (mortgage + interest payments). Don't concern yourself with paying down this FIRST mortgage in 5, 10 or 15 years. You expect to build equity in your first home to apply to your next home purchase(s). Remember item “2” - this is just your first home.
5. Loans and Mortgages are a Fact of Life – settle into the idea that you will likely have a mortgage and some form of loans for most of your working life. Unless you come from “material substance”, i.e. money, or have won the lottery, you will have large debt for most of your life. Accept that you are likely not to be in a position to eliminate your mortgage until you have worked 20-25-30 years.
6. Shop around for your mortgage – mortgage hunting can be an exciting thing. Use it as a learning experience. Bankers, Mortgage brokers and Real Estate agents all want to give you the money! Talk to other first time home owners. Compare interest rates, terms of mortgage and payout penalties. It's a numbers game - have fun with this financial aspect of home ownership by familiarizing yourself with financial terminology and ask those 'mortgage financiers' to break it down into layman's terms so you can understand it.
7. Separate an 'emotional' buy from a 'good' buy – this ONE THING will be your biggest hurdle, causing additional stress between a couple in their hunt for the first home. Real estate agents may try to leverage (manipulate) this couple tension to their advantage – like getting you to buy beyond your means or buy NOW because other offers are on the table. As difficult as it may become, agree as a couple that if things are not right for you as a couple that you are willing to walk away from any house deal on the table. Be vigilant in reaffirming this point to each other.
8. Create a “Must Have / Would Like” list of features - accept compromise as an element of home buying – unless your first home is custom built, accept that you will need to compromise on some of the features you have on your list of features. Remember item “2” - this is just your first home. Getting all the house features you want requires a longer term view – a goal on your next home.
9. Scope out any neighborhood in which you want to own a home – just like test driving an automobile before you buy it, walk around your potential neighborhood. Check out schools, shopping and city hall (use the web) for zoning (building projects), crime levels and types, community involvement. Talk to people who live and work in the area you are considering a home purchase.
10. Accept the fact that your current social lifestyle may shift a
Placing those ads on your site are designed to do just one thing, make you and the advertiser money. No it’s not rocket science but there is a science to doing it right.There are 3 simple rules to follow and you will convert those ads into the revenue you intended them to be when you decided to place them in the first place.1. Don’t sell Viagra to pregnant women! – Basically what this means is that each page on your site probably offers something different than all the other pages on your site, otherwise you would have terrible redundancy on your site and that would be bad, but that’s for another discussion. Let’s say you have a site offers travel services, and this particular page is about a certain destination that you offer. Then your ads should fit the page, an offer such as “Home Loans”, or “Grocery Coupons” would be what is know as “Shotgun Marketing”, which basical
5. Loans and Mortgages are a Fact of Life – settle into the idea that you will likely have a mortgage and some form of loans for most of your working life. Unless you come from “material substance”, i.e. money, or have won the lottery, you will have large debt for most of your life. Accept that you are likely not to be in a position to eliminate your mortgage until you have worked 20-25-30 years.
6. Shop around for your mortgage – mortgage hunting can be an exciting thing. Use it as a learning experience. Bankers, Mortgage brokers and Real Estate agents all want to give you the money! Talk to other first time home owners. Compare interest rates, terms of mortgage and payout penalties. It's a numbers game - have fun with this financial aspect of home ownership by familiarizing yourself with financial terminology and ask those 'mortgage financiers' to break it down into layman's terms so you can understand it.
7. Separate an 'emotional' buy from a 'good' buy – this ONE THING will be your biggest hurdle, causing additional stress between a couple in their hunt for the first home. Real estate agents may try to leverage (manipulate) this couple tension to their advantage – like getting you to buy beyond your means or buy NOW because other offers are on the table. As difficult as it may become, agree as a couple that if things are not right for you as a couple that you are willing to walk away from any house deal on the table. Be vigilant in reaffirming this point to each other.
8. Create a “Must Have / Would Like” list of features - accept compromise as an element of home buying – unless your first home is custom built, accept that you will need to compromise on some of the features you have on your list of features. Remember item “2” - this is just your first home. Getting all the house features you want requires a longer term view – a goal on your next home.
9. Scope out any neighborhood in which you want to own a home – just like test driving an automobile before you buy it, walk around your potential neighborhood. Check out schools, shopping and city hall (use the web) for zoning (building projects), crime levels and types, community involvement. Talk to people who live and work in the area you are considering a home purchase.
10. Accept the fact that your current social lifestyle may shift a
Spam filters are responsible for deleting a high
percentage of legitimate business emails from
people who have no wish to spam. Here are some
tips to avoid spam complaints in your emails or
ezine.Avoid the following triggers in your emails.1. Excessive use of ALL CAPITALS in the subject line and body of your email.2. The use of words like "free"(used alone or in combination with words like "trial","money", "quote", "sample", "membership", "access" etc.) Other more obvious word to avoid include "sex", "XXX","spam", "$$$", "checks", "money", "extra income", "as seen on TV". Even seemingly harmless word such as "search engine listings", "cable converter", and "reverses aging" will get you in trouble.3. Excessive use of exclamation marks "!!!"Tips for Staying on the Right Side of Spam Filters1. Use words like
8. Create a “Must Have / Would Like” list of features - accept compromise as an element of home buying – unless your first home is custom built, accept that you will need to compromise on some of the features you have on your list of features. Remember item “2” - this is just your first home. Getting all the house features you want requires a longer term view – a goal on your next home.
9. Scope out any neighborhood in which you want to own a home – just like test driving an automobile before you buy it, walk around your potential neighborhood. Check out schools, shopping and city hall (use the web) for zoning (building projects), crime levels and types, community involvement. Talk to people who live and work in the area you are considering a home purchase.
10. Accept the fact that your current social lifestyle may shift a bit – entertain at home instead of going out on the town; mowing the lawn and garden maintenance might replace some of your gym activity; interior decorating and carpentry become new hobbies to replace Nintendo and X-Box.
11. Breathe – Breathing is good. Enjoy the rigors and rewards of home ownership. Learn and continue to educate yourself on home ownership.
First time home ownership can be a highly stressful situation. But buying your first home can still be a wonderful experience. Home buying and home ownership should complement your life and relationship with your spouse and family. You may want to do it more than once. Buy a House – Sell a Home. Make your house the home that others will want to buy. Be the Consumer, Not the Consumed.
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