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Buy a home with bad credit

Real Estate Investment Challenge 2015: Home Renting or Home Owning?

20 Aug , 2015  

The real estate investment market is currently a sticky mess with property instability at its current state. Home ownership in the United States is at an all-time low, sadly. Despite our positive endeavors here at the BBB A-rated HOPE Program, it remains clear — home renting (hence why Assisting Renters is so popular these days!) is on the rise. But is this just temporary or a permanent trend? Or perhaps can this market wave, bounce, turn and twist on a dime?

What Does Real Estate Investment Look Like for Home Rentals? Apartments?real estate investment dime

Right now the rental industry is soaring sky high. New apartment buildings are being put on every corner. This is due to the baby boomers deciding to enjoy retirement. Millennials don’t want to commit to a life in the suburbs quite yet. If you are looking for an immediate real estate investment, the home rental market is looking to be a hot stop!

Or Maybe I Should Invest in Single-Family Homes?

The housing market, though at an all-time low, is most definitely not dead! It is slowly climbing back into a strong industry, not at all completely uncommon or even rare for the market to do that. People in the housing market are in it for the long haul and long-term real estate investment. After all, property value will always be in demand, but never in accumulating supply! It’s a valued commodity.

Due to the increased economy and continuing better employment market, people will soon feel more comfortable spending their money on that single-family home. Additionally, the largest generation (millennials) in the next decade will be getting married and having children, which will dramatically increase the need for family home in the near future.

Decisions, Decisions, Decisions….

In the end, it looks like both industries are going to be profitable with common downswings typical of the market. The key is to be prepared and predict the rise or fall. After all, the housing market may be a better long term investment with a small lag in recovery while the apartment and rental industry is currently soaring. Either way you look at it, real estate investment in the housing or rental market is going to put pennies in those piggy banks. Just depends on whether you need those pennies now or later.

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Pell grants

How to Go by (Not Buy) the “Books” for College Classes

7 Aug , 2015  

I know your students enrolling for college classes are rolling your eyes in despair over the fact that you still learn new things even outside of homework and exams! Yes, it’s true: there’s best practices even when it comes to college. When you apply for college, when you talk to an academic adviser, when you get to know your professors. Everything. Even textbooks!

And That’s What This Is All About: Textbooks Mean a Lot to College Classes

Not in the way you think, though. Times have changed.college classes grandpa

There was a time when you go to your college classes carrying a wealth of textbooks in hardcover with you (which can explain why your grandfather’s so ripped in the physique). Today’s atmosphere is very much different. College textbooks have gone the way of the dinosaur, and here’s why:

  • You Might Actually Do Just Fine Without Some of Those Books! — The thing about college classes is that they’re so immersed in technology as stated here. Think about it. We’ve got tablets and netbooks, e-readers, Kindles and Nooks at our disposal. Isn’t it any wonder that we don’t need those textbooks anymore?
  • That Current Textbook Edition Might Also Not Mean Much to You — A skeptic, are you? Read this and find out why you don’t need that 2015 volume of “The History of America.”
  • And, Finally, the Campus Bookstore Isn’t the Only Place to Buy Your Books Back — What or who else could buy your books? Other students? Maybe. But how about cyberspace….

And That’s Just the Beginning….

At the BBB A-rated H.O.P.E. Program, we’re all about education. So we know what the trends are when it comes to that very thing we hold dear: a college education. Whether it’s grants or financial aid, it doesn’t matter. You save money, you win. We can help, so take these tips seriously. They just might save enough money for you to not only get that lava lamp, but make a payment on your first rent-to-own home!

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Buy a home with bad credit

California Dominates the National Real Estate Market in 2015

4 Aug , 2015  

It was recently figured this year that there are 20 hot real estate markets out there for 2015. 20. 2-0. Count ’em. Out of all the towns, townships and cities, if there ever was a way to figure out where to buy a home with zero down and a decent mortgage payment — or if you’re in any of these cities and are wondering if the real estate market calls for a good time to sell the property — this list of 20 hot real estate markets gives you the goods.

But notice this: the majority of these towns come from one state in the entire nation: California! And wouldn’t you know it? Some towns are pretty well known — while others are, for the most part, major diamonds in the rough. Cities you probably never visited (but should if you want to get in on the flourishing real estate market).California real estate market

They all share the same characteristic, though: the real estate market for each and every one of them is just right. Demand and inventory are practically proportional, with the lower market duration and the higher selling price working together to benefit both the home seller, buyer, and investor.

Want to See the Goods on Each Real Estate Market for These Towns? Here You Go!

You’ve Got a Wealth of Choices Here for a Real Estate Market — in California

So what if they have a few quakes here and there. So what if the weather’s wicked. There’s something even better than the weather and the Richter scale, though — and that’s the real estate market. It’s looking pretty hot over there in the West Coast!

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Buy a home with bad credit

Read Up on These Reviews of RealRenttoOwnHomes.com

31 Jul , 2015  

That’s what we at the BBB A-rated HOPE Program love the most: ease of use for the prospective homeowner. This isn’t about maximizing the growth and revenue for a real estate market or industry. Our focus is the homeowner. The home renter. The entrepreneur looking for a job. The college studentEveryone. And it seems that such a site as this — RealRenttoOwnHomes.com — does the job quite nicely!

A Look at the Waves of RealRenttoOwnHomes.com Reviews

realrenttoownhomes.com screenshot

Just take a look at these specific reviews of RealRenttoOwnHomes.com, an enrollment website capable of putting the power in the hands of the homeowner:

We’re Convinced. What About You?

Are you looking for rent-to-own homes? Good. Because the HOPE Program has all the resources, among many other affiliations and partnerships with us. But just in case you wanted to take action on your own, this is a no-brainer. Simply sign up at the website for the Real Rent-to-Own Homes and control your fate with the home you’ll call your own for many years to come.

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Buy a home with bad credit

Recent News With the Hope Program: a Brand-New Credit Repair Service

29 Jul , 2015  

Guess what, friends…. There’s a new credit service out there according to this most recent press release. That’s right. We’re surprised already given our already growing extensive list of services we provide to anyone — whether you’re a home renter, or someone looking for a mortgage with a 640 credit score, or even a business owner seeking bookkeeping services. We’re touching the lives of so many people, having our A rating with the BBB. But we have a new player in this game for credit repair service:credit repair services-1

Enter: Independent Credit Solutions, a New Credit Repair Service Launched Just Recently

Having already seen the launch of a rent-to-own consultant service as well as numerous other rent-to-own options, plus our own identity theft protection option and an internet legal plan, we’re noticing this new innovation in credit repair service: Independent Credit Solutions! And that’s a good thing for you, the customer.

The Time Is Now to Have HOPE

Check it out right here. You can fill out your information directly on this link as well, and if you’re specifically interested in hearing about how H.O.P.E. can help you, Lexington Law is the leader in the industry.

Get started now and benefit from any of these credit repair services — Independent Credit Solutions for DIY credit repair, or Lexington Law — as it’s one of the most essential steps toward successful home ownership. Once that credit score’s up, you’re well on your way. So don’t hesitate!

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Buy a home with bad credit,renters

Checking in With the Income Tax Planning Network

26 May , 2015  

If there ever was a time to say that opportunity knocks won’t cut it, it’s this: opportunity doesn’t simply knock in this case; it actually unlocks the door for you. Checking in, are we? Yes, with the Income Tax Planning Network, the premier source of tax preparation, legal, credit, and bookkeeping services for the individual, and we’re not just talking about someone on the other end of the phone or “having to wait in line” for that accountant to get to your case.

The Income Tax Planning Network Is, First and Foremost, a Network

You know what that means? 24/7, premium, expedient, reliable, and 110% quality customer service, but not like you’re a “number” on their desk, but a valued client as part of a family. Go ahead and check their site. They pride themselves in the family atmosphere, personalized like a doctor’s office where you get to work with a specialist who actually has a name (I know, it’s a novel concept) and can contact you and vice versa to make sure all your needs are met:income tax planning network keycard

  • Free Tax Preparation & Amendments
  • Prior & Current W2 and 1099 Tax Returns
  • Budget & Quarterly Tax Planning
  • 5-Year Tax Reviews
  • Income Referrals
  • Business Structure Formation
  • Double Checks
  • Checkbook Balancing
  • Advertising Website Development
  • Home Business Referral Program
  • Advertiser Training
  • Your Own Internet Legal Plan

All of that for how much? ….$25/month. That’s it. You get all of thisand all you have to day is pay out of your pocket the cost of one dinner out in the town. You can leave the “Do Not Disturb” sign down for that.

That’s not all, though: you see that Home Business Referral Program feature there? They’re so big on family at the Income Tax Planning Network that they even offer payouts and affiliate memberships for signing up new clients, and you, a client as well, get extra income. $40 per referral.

You realize you can basically get paid to get your own taxes taken care of? It’s like room service!

But Don’t Take My Word for It: Check Them Out Right Now

You really just have to check it out for yourself. Get a “reservation” for your financial suite up on the “25th floor,” because you’re now living the suite life with a network totally designed to help you stay on track toward home ownership.

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Buy a home with bad credit

Just Look at the Ultimate Rent to Own Home Program Shockwave

6 May , 2015  

The T-Rex (or Indominus Rex, for that matter) ain’t got nothin’ on this program designed to educate prospective homeowners on one of the biggest trends in the real estate industry: rent-to-own homes. Witness the Ultimate Rent to Own Home Program and do NOT be afraid at all, because this beast won’t eat the tourists, much like how the pirates of the Caribbean won’t, as Jeff Goldblum would say. What makes this Ultimate Rent to Own Home Program so wondrous (and not toothy)? Simple.

The Ultimate Rent to Own Home Program Gives You All the Tools You Need

It’s baffling how not one program out there even seeks to provide the resources to renters-soon-to-be-homeowners, because many often take the real estate market on a case-by-case basis:rent-to-own jurassic park

  • You Have Agents
  • You Have Brokers
  • You Have Developers
  • You Have Real Estate Attorneys
  • You Have Duplexes
  • You Have Apartment Complexes
  • You Have Gated Communities
  • And so Much More….

It’s a diverse industry when you think about it. Would anyone ever be brave enough to try and tackle it all at once. We think if maybe there are just a bunch of resources available throughout, everyone can approach everything ONE BY ONE and expect to have all their ducks in a row. Theoretically, that would work. But this is the new millennium of prehistoric CEOs — and those dinosaurs are a lot smarter — and faster — than we give them credit for.

The Ultimate Rent to Own Home Program pools all those resources together for you, educating you on what you need to do and where you need to go before you have to do what you need to do, and before you have to go where you need to go. That way you’re not like a chicken with its head bitten off by a velociraptor.

Don’t Take My Word for It, Though: Check Out All These Reviews

It’s crazy just how much this Ultimate Rent to Own Home Program has swarmed like a flock of pterodactyls all over social media, even trending nationwide as a digital means to selling a home. Nationwide Property Values, OWNWITHHOPE, the Complete Real Estate Site, Rent to Own Reviews, and even one comprehensive site known as Profile Reviews have all reviewed the initiative propelling the prospective homeowner into that dream home with the convenience of rent-to-own.

And you can bet more and more feedback will show up as many other hopefuls find their way through their dream front door for the first time. It’s pretty spectacular. Just as spectacular as that triceratops over there….

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Buy a home with bad credit

Retirees Excel in Learning at Pocatello, Idaho

22 Apr , 2015  

Retirement towns, for the most part, exemplify something more than just easy living. The dread of retirement is this: your life is over. However, many vibrant retirees would say nay as they try to maximize the rest of their lives, in just one year,  in ways that outdo anything lived in the past few decades for themselves. More power to them.

One of the ways retirees could do this would be to take more college courses, or classes of any kind to learn something new, promoting education and opportunities for financial aid. Teach an old dog newpocatello, idaho, retirement tricks, as it were.

That’s Why Pocatello, Idaho, Holds the Cards on That One for Retirees

This town is clearly number one for retirees not only because of the real estate market affordability, but in regards to Idaho State University’s New Knowledge Adventures, a program open to seniors 50 years and older offering an unlimited surplus of classes in quality education for a very modest fee. They obviously are aware of the fixed-income status, so savings are an important plus!

Yes, Pocatello, Idaho, does have a state tax on pensions, though; but there are some exceptions. Social security takes a breather, too, as the state imposes no tax for retirees whatsoever on the city of over 88K residents. With a median home price of over $127K, standard mortgage payment of $487, and property taxes of just over a grand, things are not too shabby in the town.

And, Yes, Pocatello Is an Old-School Small Town With Good People

That’s what every retiree wants. Just to make it sweeter, though, these are the factors that cinch it for retirees, so if you’re considering this town — if you’re all about expanding yourself into new worlds, Pocatello might be the place for you. Bring an apple for your teacher while you’re at it. And there will be a quiz later.

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Buy a home with bad credit

What Are HOA Fees and How Do You Figure Them Out?

1 Apr , 2015  

This is crucial from an HOA fee standpoint, because we’re dealing with variables. HOA fees are not — and I repeat not — a constant. You’re looking at a type of fee that can vary from time to time based on the current marketplace. Real estate’s fickle just in case some of you may not already know, even when social media’s around to make to make it an easy sale for a home. Hence you might see HOA fees that are just as fickle.

What Are HOA Fees Anyway?

If you’re a property owner, investor or seller, you might already know all about this. For those who are not, it’s actually a pretty simple Post-It on your wall. If you’re thinking of investing in or owning a condoproperty values HOA to then sell units to specific tenants, you may most likely have to pay what’s called a “homeowner’s association fee,” typically referred to as an HOA fee. This applies to many gated communities and neighborhoods as well.

When there’s an association in place governing the culture, if you will, of a particular community, oftentimes that association will instill a fee for anyone wanting to invest, manage and even sell or rent out a certain property to any prospective buyer or tenant. That’s the HOA fee.

HOA Fees Will Change From Time to Time

Sadly, though, these fees may rise (or fall) from time to time. You can stay abreast in the industry and put your best foot forward in front of any trend trying to get a leg up on you by simply looking at for-sale listings out there. Chances are HOA fees will be listed. If not, call the property manager if you’re interested in investing, buying or selling.

You’ll also want to know if any HOA fees are scheduled to skyrocket pretty quickly. Essentially, it’s forecasting. This takes research, but you’ll be adequately prepared like the best meteorologist on staff to foresee the worst of financial storms. The same can go for any special assessments that might end up in place, racking up the price of an HOA fee, so always be prepared for that.

Preparation’s the Name of the Game

This can be factored into rental property expenses, obviously, specifically if you’re a home seller. More importantly, though, HOA fees are important to pay, even though it comes out of your bottom line. That fee guarantees you get a qualified buyer capable of rolling in the revenue for you.

So don’t discount the HOA fee. Don’t be afraid of it either. Just be mindful of it.


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Buy a home with bad credit

A Tumbleweed Tiny House Company Turning Your Home Mobile With Rustic Class

16 Mar , 2015  

It’s no secret that mobile homes have been around since we’ve been able to travel clear across the east coast through the Midwest to the Rocky Mountains. To this day, the idea of a home trailer still appeals even to the most grounded family, especially when you make a stop at the Grand Canyon to meander the Godlike stone and breathe the fresh air. There’s something liberating about taking home with you. These days, though, many want to ditch the industrial look of the trailer and go for a little something rustic.

The Tumbleweed Tiny House Company Does Just That: Turns Your Mobile Home Into a Tiny Cabin Made for Travel

As far as tiny houses go and what their advantages are, this probably can be the most advantageous, at real estate mobile homeleast for those who do like to travel. Tiny homes — like trailers — have that ability to change addresses faster than movers can get your furniture out of your home, like how Tiny House Giant Journey does. Even faster than Harry Potter charming a snake. There’s honestly something magical about a real home, one with a front door, windows and all — being transported to other cities, towns, wildernesses, places long forgotten or never discovered in the heartland of America.

Not only that, but the Tumbleweed Tiny House Company goes far beyond providing you a service, but educating you on the new frontier that is tiny home building with the added advantage of mobility. This takes moving “up” in the real estate market to a whole new level. Tumbleweed Tiny House Company provides a variety of educational services:

  • Workshops
  • Construction DVDs
  • Official Building Plans
  • Tumbleweed Trailers
  • Amish Barn Raisers
  • Tiny House RVs

In effect, the Tumbleweed Tiny House Company doesn’t simply sell you the tiny home. It teaches you how to build your home, custom-made, tailored to perfection and your personality, whatever it may be.

That Undoubtedly Brings to Light the Deepest Benefit of a Mobile Home

At least a mobile home provided to you by Tumbleweed Tiny House Company. That benefit is simple: you’re not simply buying a ‘house’ to live in. You’re buying a virtual zero-down home you, yourself, can create. Your own blood, sweat and tears. No contractors. No headaches. Just the fruits of your labor.

(And then you can take those fruits and visit wherever you want!)

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