The Dot Com Miner

Hopefully all goes smoothly when you purchase your home. In your anxiousness to become an owner it may not have crossed your mind and no one tells you, your’e not done spending money on this transaction. It may not be soon and it may not be much, but you will need to have a comfortable income above your expenses.

Why didn’t they tell you? Shouldn’t a good real estate agent prepare you for everything they can think of, neighborhood analysis, schools, crime, child molesters, stigmas…? All of us who have been out here in the business have seen it too many times. Too many buyers spend what they are qualified for and many times that is too much. They may not have thought about buying a car in a couple of years, or how much it costs to raise children, how much furniture is going to cost….

The best thing to do is not buy the most expensive house you can afford. Secondly, hire a reputable home inspector. Ask around, call different agents for suggestions. A good home inspection will turn up so many things on an average house that it would startle almost everyone. Most things are minor and some aren’t even worthy of mention, but if an inspector quickly walks through the house and says it’s fine, chances are you got the wrong guy. Keep in mind if you contract the service,(you can request the fee be paid by the seller in your written agreement) the inspector has no reason to deceive you. However many times an agent will use the same company repeatedly who doesn’t present any problems.

Don’t expect problems but be prepared for them. Things do happen. Water heaters break, usually dumping out all the water in the tank. Plumbing gets stopped up and leaks. Appliances fail. Carpet, padding, vinyl, paint and roofs wear out. Even slate roofs need repairs and that is heavy on the wallet. A good idea is to have money only for your emergency home expenses, not for the wants. That comes out of checking or your pocket.

Suzie is a licensed real estate broker and residential real estate appraiser with twenty years experience. Other professionals in the industry have contributed as well, including agents, brokers, appraisers and educators. http://www.freewebs.com/realestatenews

Cheap, Bargain, Real Estate; Good Deals, Below Market, Low Priced properties are available if you know how to buy them.

By Jody Hudson - Realtor since 1972.

How to FIND and BUY: Cheap Bargain Real Estate, Good Deals, Below Market, Low Priced and Less Expensive; homes, lots, land, businesses, and condominiums. They are everywhere and easy to find. Here is how to find and buy them from anyone, anywhere.

This article lays out the steps: How to find and buy a Bargain, A Good Deal, in real estate; that is; how to get it real cheap! Yes, there are ways!

Nearly every call or e-mail that I get is asking me to find the buyer a bargain. We all feel that way when we are buying as well. All of us want a good deal. We all want to get cheap real estate. And we can all do it.

There is a bit of a challenge however. Every single buyer that I’ve ever had in my thirty two years of selling real estate has wanted to sell the property they have for more than it is worth. Herein lays our challenge as Realtors — and of course for you as purchasers.

To get those HOT deals in real estate there are at least three things you must do:

1. First of all as a buyer you must be able and willing to act faster than any other buyer.

2. Second you must be able to know a bargain when you see one. This takes experience and education in the specific market . Any assumptions made from other markets, about the subject-inteded market, will sentence you to certain failure…

3. Third you must BUY it. That is write a deposit check and write a contract that will win over the other contracts that may be presented at about the same time as yours.

This group of three steps, sounds simple, but only about one buyer in each ten year period is willing to do these three things in order to get the cheap property they have asked us to find for them! I have several people, and so do most Realtors, that are the most; ready, willing and able and we call them first! If you want to be one of the ones called you must be MORE ready, willing and able!

Recently, August 2002 the waterfront home next to ours was listed for sale for $249,000 and it was worth at the time about $350,000. Kate and I called each of our family members, our wonderful neighbors on the other side (one of whom is a local builder and the other a mortgage broker) and some of our best clients and a best friend of ours, a builder and investor, who had already said he liked the fine home. (Note that property is now worth about $800,000 Sept. 2004).

We explained that the home was going on the market in a few hours and that they must act fast. Our neighbors on the other side, the most knowledgeable of the bunch wanted to make an offer of $180,000 saying they thought that was all the property was worth. They knew better or at least should have and they should have bought it. They just “hoped” they could get it for less and that they didn’t have to move fast. The offer they made was ignored and wasted our time. They did however get another property in a few days, for a lot more money, that was worth a lot less, as a result of improved alertness and awareness after loosing the one next to us.

Our savvy investor friend put in a couple of offers below the asking price with several contingencies. Meanwhile we are telling everyone to write a contract for full price with no contingencies and calling on both our phones as fast as we could call. None of our best friends or family would pay attention. They were ALL too greedy. They knew the property was far under-priced but wanted it for even less… Lesson: when it’s a good deal - ACT instead of getting more greedy and losing the deal totally.

Then our lovely new neighbors came and saw the property. They also were knowledgeable about similar properties, and had lost several properties they liked by moving slow, writing unreasonable contracts and not paying attention to real values.

This time they did it correctly. In fact they wrote a contract on the spot, with no contingencies, and for MORE than full price so that if anyone did offer full price they would still have the best chance. They paid $5,000 more than the full price on the spot, told the sellers they could have settlement any time they wanted it and before they even heard back from the sellers they arranged for a mortgage of MORE than they needed and asked for the money to be immediately available. They did not ask for a home inspection, a survey, or for the sellers to fix anything. The home is 30 years old and has not had one bit of maintenance. There was a burst hot water tank, a roof that needs replacing and a few HUGE cracks in the foundation. All these problems cost them about $15,000.

They have, as I write this, owned the property for several months and worked on it every weekend, before they could take a break and enjoy it. They love it. If they were to fix all of the things that need fixing, paint the trim and freshen up the yard and landscaping; we could get $900,000 to $950,000 for this home for them in a few months on the market. And, city sewer will be here in a few years, at that point the property will instantly go up another $200,000 and all the people we called knew about the pending sewer too.

The buyers didn’t find out about the sewer coming to town until after they had contracted to purchase the property. The sewer is still not in — WOW. They are glad they did the One, Two, Three to make it happen!

By doing the three things listed above the purchasers of the home next to us have made the wisest purchasing decision thus far in their lives and have one of the best bargains that have been available in the last several years. The sellers are happy too as they just wanted to sell it as fast as they possibly could, due to a sudden and dangerous illness of one of the owners.

I’m writing this article to serve you the reader. But you must know it is self serving as well. Much of our time as Real Estate Agents is spent trying to successfully educate our buyers and sellers. If they would take our advice they could be far, far, more successful in selling or buying. The articles I write here http://www.kate-jody.com/essays/index.html are those advices that I give my customers and clients - if they ask. Most don’t and when they do, very few take the advice. Just like in every other profession, we the professionals do what we can to help those who come to us but it’s up to them to take the advice.

Bargain homes are always available - but hard to sell. They are homes that are in need of some repair or cosmetic improvement or that are in an area of transition. We have several on the market right now and they are hard to sell. Someone with vision will eventually purchase them, fix them up and perhaps sell them at a huge profit - often to someone who says they want a bargain but won’t do what it takes to get a bargain. Funny isn’t it, and this sort of thing happens all the time. It has consistently happened in my 35 years in the real estate business and being a licensed Realtor since 1972. Just know this, if you want a fixer-upper, so does everyone else, but you need to be very, very, educated and able to spend the time and money to renovate the property effectively and affordably. And, you need to do One, Two, Three!

If you want a bargain; educate yourself and be ready to DO — One, Two, and Three. We’ll try to help you.

By Jody Hudson Copyright 2002-2004 www.Kate-Jody.com

Jody Hudson: MrJodyHudson@earthlink.net

Jody Hudson was raised as a farmer in Delaware. In 1969 he and his father began “planting houses instead of crops” on the land. It was far more profitable. In 1972 he got a real estate licencse. In a few years he became the youngest real estate broker in Delaware history. In 1982 he was selected by Who’s Who in American Real Estate as it’s youngest member at the time. He has created about 40 residential communities and sold real estate in Delaware and across he nation. He has written several valuable articles http://www.kate-jody.com/essays/index.htmlfor you. Enjoy!

Betty and John, are in their mid-seventies and are currently weighing the advantages and disadvantages of a reverse mortgage as a way of freeing up some cash. The couple purchased their home 45 years ago for about $14,000 since then home values have skyrocketed and recent single family homes in their neighborhood have been selling for a minimum of $160,000.

Like Betty and John, if you’re considering a reverse mortgage it’s important to do some research prior to making a decision. You not only need to understand the basic principles of this kind of mortgage but you also need to look at all the advantages and disadvantages of a reverse mortgage.

Essentially a reverse mortgage is a loan that permits homeowners 62 years of age and older to borrow against the equity in their homes without having to sell it. Further, you don’t have to give up the title or take on a new monthly mortgage payment.

A reverse mortgage loan is tax-free and needs only to be repaid when the borrower (or in the case of Betty and John, when the surviving spouse) dies or sells the home. At which time, the reverse mortgage loan must be repaid in full, including all interest and other charges.

When examining the advantages and disadvantages of a reverse mortgage it’s also important to consider both the process and the related costs of obtaining a reverse mortgage. Unlike a conventional mortgage, with a reverse mortgage, the homeowner (the potential borrower) must meet with a reverse mortgage counselor. References for counselors can be obtained from banks offering reverse mortgages or the U.S. Department of Housing and Urban Development (HUD).

The purpose of these meetings which may take place in person or on the telephone is for the homeowner to learn about reverse mortgages and discuss alternative options. It also helps you decide which kind of reverse mortgage may be best. As well as exploring the advantages and disadvantages of a reverse mortgage, it’s wise that the potential borrower, also compare costs between various lenders and request a Total Annual Loan Cost estimate for each.

Further to discussing the advantages and disadvantages of a reverse mortgage with a counselor, you also need to understand that there are certain costs involved in the reverse mortgage process. Costs may include application fees, closing costs, insurance, appraisal fees, credit report fees, and quite possibly a monthly service fee. Remember too that since a reverse mortgage allows you to continue living in your home, you’re still responsible for property taxes, insurance and repairs. If these payments are not maintained, the loan could become due in full.

A reverse mortgage may also affect eligibility for federal or state assistance as well as Medicaid. That said, any reverse mortgage money that is received is tax-free and does not affect Social Security or Medicare benefits.

The condition of your home is also a large part of the approval process. It must be structurally sound and in good repair. If it’s determined that home repairs need to be done, the costs can also be financed through the reverse mortgage loan.

The total amount a homeowner can borrow all depends on the kind of reverse mortgage selected, how much equity is in the home, the loan’s interest rate and most importantly, the age of the borrower. Typically the older a person is, the more they can expect to receive.

A borrower can receive reverse mortgage payments in one of the following ways: in a lump-sum payment; fixed monthly payments; a line of credit or a combination of any of the above. Most homeowners go for the line of credit option which allows them to draw on the loan whenever money is required.

Paul Jesse is a retired government employee, small business owner and the author of many articles on finance and internet marketing. Visit his website at: http://www.sheamarketing.com/financial

The healthcare profession call a swollen prostate benign prostate hyperplasia, or BPH. In simple terms this means that the prostate gland, a mass which wraps around the urethra and lies below the bladder, grows bigger this can compromise or even stop urinary flow. The prostate grows as the years go by and can result in complaints such as difficulty in passing urine, weak urinary flow, and an impression of the bladder still feeling full even after urination. Night time frequency and repeated infections of the urinary system are some additional problems that may result due to prostatic enlargement.

What Is An Enlarged Prostate? A swollen prostate is considered a frequent condition of males over 60. Annual exams are urged for all men in their fifties and beyond, irrespective of the occurence of any problems, to aid in maintaining better prostate gland wellness. Look For medical intervention straightaway if the urine contains blood or if unable to urinate. Surgical operations and drug therapy are commonplace treatments for benign prostate hyperplasia. However, impotence and loss of bladder function can be experienced following surgery. An alpha blocker and medicines which shrink the affected prostate gland may also be given for better prostatic wellness, however, medication will often lead to undesirable repercussions so what are some more natural remedies? Prostate Gland Enlargment Troubles? The Natural Way to Improve Prostate Fitness: To encourage improved prostate health and also avoid the many symptoms brought about by an enlarged prostate, many natural remedies may assist in the management of the symptoms. Inflammation is diminished by Afican pygeum, relieving a lot of the more disagreeable symptoms. A derivative of the fruit of a tree indigenous to southern Africa, African pygeum has been employed on a regular basis by the Europeans for many years as a alternative treatment to further improved prostate health. Dietetic changes such as decreasing the intake of fats can also help, so will getting more excercise more often, the pressure in the prostate can be eased through ejaculating regularly, and trying to avoid sitting for a long time. Use of over-the-counter anti-histamines and decongestant drugs may aggravate the problems related to a swollen prostate, so take these with caution. Further recommendations include to avoid taking anything to drink near retiring for the night in cutting down urination overnight, and keeping down alcoholic drinks and drinking less caffeinated drinks can also prove useful. Prostatic health may be also respond to other supplements specifically saw palmetto extract, starflower oil, selenium, and also lycopene, a compound found in tomatoes. Please check with your physician before setting out on any alternative treatment of an enlarged prostate gland.

Sports trainers is considered the most key piece of equipment you will purchase so it is fundamental that you elect to choose the proper shoes.

A great many people do not recognise that there are various differences in the way sports trainers support your feet. It’s not good for your feet if you participate in football or tennis in the exact same shoes you use whilst jogging.

“Unfortunately, 65% of the England’s recreational male athletes and women wear the incorrect shoes for their selected leisure activity,” he says. “Shoes are the most key piece of sports gear you’ll ever get hold of and altering what you wear on your feet can prevent damage.” Find superb deals on swimming goggles online today.

Football can put lots of strain on the feet, particularly when playing on firm pitches for example AstroTurf. The boots can also put stress on your feet, & it is not abnormal for a footballer to suffer from corns, calluses or damaged, thickened and ingrown toenails. A great, well-fitted pair of boots is crucial & there shouldn’t be any signs of pressure on the foot after a game or training session.

Racquet sports: It’s necessary when participating in racket sports, for example table tennis or squash, to elect to choose trainers exclusively intended for the purpose. These sports activity involve a great deal of right-to-left movement & jogging footwear won’t offer the proper firmness. Racquet sport footwear are heavier and more rigid than running trainers, as their toes are designed for stop-&-go action. Comfort should be your core priority and it is very important to replace your sports shoes recurrently.

Walking is a great way to commence a gentle exercise schedule, while the more daring go for hiking. It’s excellent for your cardiovascular health but is lower impact and so comes with less risk of harm.

Alot of people who got sulzer hip implants used in their hip cup replacement operations are witnessing that there are negative ramifications that far exceed the normal expectations for recovery. These implant recipients are experiencing a lot of needless pain for longer periods of time, facing revision surgical processes and enlarged medical costs, and losing revenue by not physically being able to work at their official jobs. Although Zimmer Holdings, Inc. is demanding that that their implant is not imperfect and not to be held accountable for the faulth cup hip implants, many implant recipients are filing cases against them and obtaining settlements.

During October, 2008 Zimmer declared that it had set aside $47.5 million to pay for claims they had filed against them and received. Many docs are not convinced that the hip implant is not faulty as the company has suggested. In Point Of Fact, when Zimmer tendered on-line education to physicians in order to instruct them what was supposedly more correct techniques for executing the implant operation, approximately half of the MD’s declined to participate. Hence, the whole situation continues to be irritating for all doctors participating, but none more than the hundreds of people who are facing revision surgical operation due to the problems with their implant experiencing looseness from the socket.

These suffering individuals definitely merit some assistance and restitution which obviously is why product liability lawyers are telling them to start the lawsuit process. zimmer durom cup hip implant has been paying out of court for some of these claims. Even So, even if the settlement they are being offered seems like it could be a air settlement, in most cases poor people are deciding too fast and without clause put in place for on-going problems if it happens again. If they don’t hold off and wait, to find out what an actual case is worth, people might find themselves paying thousands of dollars from their own pocket when further complications return.

For anyone who realizes they probably have a claim against Zimmer needs to start peering into it. If you think you may qualify, you should probably call a lawyer to be certain. Look for one that operates nationally and who has a main focus on litigation against faulty medical devices. This law firm has gone so far as to setup a special section to do the research and handle the claims against Zimmer and win substantial settlements for their clients.

If your orthopedic surgeon breaks the news that will have to have a revision operation to correct your Zimmer Durom hip replacement device, contact an lawyer right away.

Low income housing providers get a bad rap. Be ready to be called a slumlord if you invest in it. Much of what people call slumlording though, is simply providing reasonable housing for those with low incomes. It is of benefit to the renter AND the landlord.

Why Do People Rent Ugly Homes?

Not-so-nice places are rented because they are affordable. When a house needs paint, has old rusty hinges on the doors, and a dirt driveway, it costs less to buy, and therefore can be profitably rented for less. In fact, anything major that the landlord does to improve it will result in higher rents, and possibly drive the renter away.

This often happens due to local regulation. When my own town enacted its first rental regulations, the fifteen pages of new rules required many landlords to spend money to upgrade their apartments and other rental properties. They included many non-safety-related requirements, like a minimum of windows, to allow natural lighting, bedroom square-footage requirements, and no peeling paint or cracked plaster.

Regulations like these are done in the name of low income renters, but the result is always the same: higher rent. Combined with the regulations against mobiles homes, these laws force low income families to move further away from town and jobs. I mention all this to let you know that if you offer an ugly, but safe and affordable rental, you are providing a real service.

Why Low Income Housing Investments?

When an average two bedroom house in a small town costs $130,000 and rents for $800, an old mobile home on a lot will probably cost $45,000 or less and rent for $500. The house costs almost three times as much, but the rent you get isn’t even doubled. In other words, the mobile gives you MORE CASH FLOW. That is why old houses, run-down apartments, and mobile homes (on land) are such good investments.

Maybe you think you’ll have more risk and management problems with low income housing. Well, you’re right. Small repairs come up more often, and rent will be late more often, on average. But this is why you deserve a higher rate of return. I wouldn’t recommend investing in low income housing if you didn’t get a higher rate of return.

Let them call you a slumlord. Just treat your renters well, and make your places safe. Do these things, and you can enjoy a good return on your investment in low income housing.

Steve Gillman has invested in real estate for years. To learn more, get a free real estate investing course, and see a photo of a beautiful house he and his wife bought for $17,500, visit www.HousesUnderFiftyThousand.com

Acquiring and selling homes on public sales should be easy and gainful for equally sellers and buyers. Finding a public sale it is not a very easy procedure. More particulars concerning the assets offered on a public auction can be found in the dedicated or national media, or on most specialised web sites. Estate agencies time and again hold information of assets to be auctioned too. Though the simplest system of locating public sale is to take note of the numbers of any “Sale by Auction” signposts.

There’s generally a price to be on the auctioneers mailing list and for getting a catalogue complete of photographs and details that concern the estates. Free of charge directories are regularly not worth it. Another place to get good property deals is abroad, for example overseas property experts have a large range of properties for sale in France.

You’ve barely got nearly one month to be aware of what’s offered on by public auctions, so act as soon as possible.

The type of residence largely auctioned are the one-offs that an estate agent finds hard to appraise or to put up for sale, and that have development potential.

Auctions are also worthy of note for the repossession properties offered for sale by credit lenders, which generally are good buy and have low reserve value. Prior to the sale go and possess a look at the house. Make enquiries the quarter and, vital, coordinate with your experts to achieve the basic exploration - like an official survey and a professional evaluation.

It’s very wise to arrange your financial plan, and very key, make plans for the economics to cover a deposit, in general 10 per cent on the public sale day, and the residual 90 percent within twenty eight days after the agreement. If your bid is victorious, you must pay in advance the ten percent to the auctioneer as soon as possible and the seller’s counterpart has to countersign the Memorandum of Agreement. Fines for failure to fulfil the approved figure are strict.

Keep in mind that if you don’t make the highest bid you will waste all the money you have used on the survey plus the legal amount, but it is a good idea informing the agent of the sum you can be set to invest for the particular land that has been withdrawn; who knows, in most of the cases the vendor might be willing to consider your offer.

The auction agreement is equal to exchange of agreements in the everyday sale by private contract. Which also stands for that the purchaser can’t be gazumped and the seller does not have to be apprehensive of last-minute price renegotiations.

When we end up inside our homes we can bring in all kinds of stuff from the outside world. Most of our moms have taught us to take our shoes off right away in hope of keeping the house cleaner and without as much dust and dirt. Even if we do this we can still end up with dirt and dust in our house. Our moms probably taught us to open up our windows so that the sunlight can get in, was this just to make it brighter? It does make it brighter, but is also good to keep the germs down. The UV rays are good to bring into the home, not too much though, but just enough to brighten it up and keep the mildew and germs down.

There are now vacuum cleaners that have specific UV rays that can help keep the germs down in your home. This is really cool and a much needed feature. Keeping that stuff outside the house and out of your living environment is so great for your health and can help you body feel at it’s best. These germs and mildew can do strange things to your health, so do what you can to keep them out. Your health is important and if something like using a vacuum cleaner with special UV rays can help; might as well use it.

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