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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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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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Buy a home with bad credit

Open Floor Plans: Not Just for the Hipster Youths of Our Generation

5 Mar , 2015   Video

Believe it or not — and some did think otherwise — but open floor plans weren’t necessarily in, per se, when it came to the real estate market. Visit H.O.P.E. to Own and learn that we’d like to think they were, as whenever we tour a home for sale, the thought of open floor plans made our hearts flutter. However, open floor plans weren’t always beneficial for many families back in the day.

Too Much ‘Space’ in Open Floor Plansopen floor plans real estate

That was the slight disadvantage. This applied to families of 4+ as well where kids can take way too much advantage of the space between the kitchen, dining room and living room, and chaos ensues. As beautiful as open floor plans are, sometimes families just found it to be a little too ‘revealing.’

However, Times Change in the Real Estate Industry

We’re seeing this trend starting to go mainstream now. Who knows why — except for the fact that maybe social gatherings and such are now starting to be a priority for all families — kids or no kids. In fact, one might’ve thought that the idea of open floor plans was old news; that’s not the case. I repeat: this trend has grown. And it’s still growing.

The Overall Benefit of Open Floor Plans

Typically, condominiums and single-family suburban homes are starting to see the idea of open floor plans as selling points, and you know why this is a good thing? Merging the indoors — with the outdoors. More windows. More natural light. A sense of vibrancy beyond that of the fluorescence.

Who can say that that’s not a good thing? I call that an enterprising development out of all real estate trends to learn about for 2015. Do the research with us at the H.O.P.E. Program and get the home you can make your own.

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Believe It or Not: the Best Real Estate Investments Are Boring!

3 Mar , 2015  

Dare I say this: the entire real estate industry (as long as you choose the most ‘profitable’ properties) is a complete bore! There’s no excitement at all, whatsoever, and you’re inclined to fall asleep at your desk, snoring the day away, because you end up feeling like you’re not risking anything for the big bucks. There’s nothing left to chance. No fire. No passion! Why would anyone want to be in this kind of business?

Well, That’s Easy: Because the Boring Real Estate Investments Will Instantly Make You Money!making money real estate investment

This is the basis for smart real estate investments. If you have to ‘manage’ those properties too often, you’re probably investing too much money in them already for them to be profitable. Lighten up on them and remember your rules of smart real estate investments and strategy as outlined by Mr. Miyagi (who?). What are some examples of the not boring types of real estate investments?

  • Vacation Rentals
  • College Rentals
  • Low-Tier Properties in Bad Areas

They’re exciting, yes. You get to make a lot of house calls for renovation issues. The payments over time end up not covering the costs, and before you know it, you’re a guru having to shell out more money just to maintain the properties. Is that what you want? No. Not even Casper the Ghost would say much anything positive about such real estate.

Fixer-Uppers, Though, Aren’t All Bad

Just make sure you’re “fixing it up” once! Just once. If you have to keep revisiting the darn place, because the ceiling’s starting to leak, or black mold’s starting to grow in the basement, you’re going to have problems.

Likewise, maybe you’re a prospective buyer out there. Let’s look at the other side of the coin and consider what it would take to find the very best zero-down home through H.O.P.E to Own. As any prospective homeowner would want, you’d hope for a home that’s virtually impervious to problems….

Therefore, when it comes to real estate investments, ensure you’re focusing on the very best. As boring as they may be!

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Buy a home with bad credit

Improving Your Child’s College Education With a Home Equity Loan

26 Feb , 2015  

Love those lava lamps! Truthfully, what wouldn’t do a college student well than a home equity loan (from mom and dad)? That happens to be quite the popular choice for many families looking for extra dough to shell out just so the kid can get a quality college education. What about those government loans, though? Here’s the thing….

Families With Higher Incomes Might Not Even Qualify for Thatlava lamp college education

What does that leave some families? Perhaps the Christmas bonus can cover some of the cost of that crazy college education, but just in case good ol’ dad wants to save the Christmas bonus to invest in a new in-ground pool with water slide, you’re then in good luck: a home equity loan can do you justice.

It’s a Good Investment to Make for Your Child’s College Education

Think about it: you’re secure in this loan. It’s not like you’ll have much trouble getting it approved. A home equity loan works as long as you’re in good standing with your mortgage on the zero-down home through H.O.P.E. to Own. More importantly, though, here’s the long-term investment for all this:

That Quality College Education Will Allow Your Child to Prosper All on His/Her Own

You know what that means? Son or daughter won’t be coming back to the hen house asking for money every now and then to pay off ridiculous debts, draining your income at your old age. Yes, you love your children — but you only have so much money on hand!

You have to watch out, though, for getting that home equity loan approved for the purpose of providing a quality college education for your child, because at the time those bills for room and board need to get paid, you’re most likely on the retirement track on a fixed income. That leaves you with limited funds, and that home equity loan would certainly look good in your pocket. Not to play devil’s advocate here….

The Bottom Line….

Don’t overlook other such possibilities — like special education loans, tax write-offs and scholarships. Just in case, though, your college student needs a little more help on the financing side for textbooks and laundry detergent, go ahead and get that home equity loan. After all, a college education does matter the most in the long run.

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Buy a home with bad credit

Why Being Single or Married Will Matter to Your 2015 Tax Return

3 Feb , 2015  

There’s so much taken into account regarding your 2015 tax return, that there’s no wonder why you get such a tax return benefit with H.O.P.E. to Own in the first place. After all, it’s a service allowing you to file your 2015 tax return in only two hours, but know that because of your qualified tax preparer, you get to know just what your situation may be and what it means for your refund. First off: did you know that it makes a difference if you’re married or single?

Yes, I Did! This Is Old News to Me!tax return wedding

We’re quick, though, to assume that either way’s beneficial as far as a 2015 tax return is concerned. Don’t be too quick to judge, though. Whether or not your bachelorhood or marriage makes a difference largely depends on your income. The fact of the matter is you can file separately or jointly without penalty. It’s not like the IRS will ask you for a marriage certificate.

Why It Might Matter to Your 2015 Tax Return If You’re Married

Your income and even your age definitely matters, yes, but here’s just an example of how things can differ between person to person to couple to couple. Everybody’s financial situation’s different, and you might not have to worry about filing your 2015 tax return.

Take single taxpayers, for instance: if you happen to be 65 years old and earning less than maybe $10K, you actually won’t have to file any taxes at all. That’s something to be aware of. Likewise, married couples under the age of 65 making less than around $20K actually don’t have to file either. If you’re a dependent, as well, earning less than $6.1K, forget about your 2015 tax return; it’s not necessary.

Other Issues That Play a Role in Your 2015 Tax Return

What if you happen to be the “head of household”? Perhaps you’re widowed, or a widower? These are all “special” categories that are taken into account when filing your 2015 tax return, and they can drastically affect your refund even more. It’s pretty staggering. To learn more, you can simply contact the H.O.P.E. Program and get your 2-hour tax return managed immediately. Don’t hesitate. This is the new year — single or married, senior citizen or student, you’re going to put your best foot forward and start it off the right way.

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Buy a home with bad credit

Recognizing That Your Beach House Property Isn’t That Fun

3 Feb , 2015  

Look, I get why you’re so stubborn. That beach house property of yours is a place for gods, sun-kissed and praised by mortals near and far. Olympus’s got “nuthin'” on you, and Zeus is just mad jealous at the architecture and views the best money can buy. Here’s the thing, though: you have to accept the fact that the beach house might not be all it’s cracked up to be all the time, hence you have to be okay with not being there all year round.

Sure, it may be quiet there. You might be able to get away from the city life. For sure, this particular article about beachfront homes can say that there are pluses to it. Does that, though, outweigh the beachfront real estate disadvantages as listed here? Maybe, maybe not. You’re going to have to be the judge. For starters, though, know this:

The Dynamic Lifestyle and Neighborhood of Your Beach House Property Might Go Into Hibernation During the Winterbeach real estate winter

That’s right. Yes, your beach house property mainly flourishes during the summer. Recognize that fact and come to terms with it.

That means once the sun goes down and the icicles start growing, you may just be looking at an ocean that’ll sit still and people going back to their city homes where the heat and fireplaces provide the warmth. That means less interaction with the locals, less commerce, and perhaps even less friendships and fellowships to maintain, particularly if you were thinking of living in your beach house property all year round.

Are you prepared for that? If so, good deal. If you’re not looking forward to an empty ghost of a town during the snowfall, utilize your beach house property sparingly, if you can. The topic of discussion, though, then becomes an issue of whether or not it’s a good idea to have such an expense for yourself.

Do You Want to Keep That Beach House Property or Not?

Such a tough question…. But you have to ask it. And then you have to answer it. With our help at the H.O.P.E. Program, you can contact us. We’ll zero you in on the education and determine not only if that beach house property’s beneficial, but possible.

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Buy a home with bad credit

Haunted Real Estate: Just Check the Plumbing

29 Jan , 2015  

Sure, it’s exciting to know that you might be walking into an open house thinking that this home was the site of the famous killing of Madame [insert French name], and that there are chills, bumps and moans in the night on a regular basis. Haunted real estate: it’s fun stuff, but perhaps you might be dealing with something worse than ghosts in this case. Try the plumbing as one of many scary problems with your real estate.

The Fact Is You Might Have Some Updating to Do on Such Real Estate

This is honestly why many sellers think they can pitch this sort of adventure to a buyer — there’s history behind the house,real estate Ghostbusters perhaps a ghost meandering through the walls, and it definitely provides a conversation piece for friends and family. What the seller might not be telling you is that ultimately there’s no ghost in that real estate. Merely just some bad plumbing. Don’t fall for it.

Additionally, you might have rodents. Granted, they can just be as frightening as apparitions, and in many cases, can provide things like disease to warm your heart in your abode, but you wouldn’t be calling the Ghostbusters for that, but rather just your plain ol’ exterminator to take care of the problem.

In all honesty, the bones of a house can rattle some with settling into the foundation, so don’t be surprised if you hear some of those ‘moans’ and ‘hisses’ inside the walls. Chances are you’re not dealing with spirits — you’re dealing with updates.

And updates cost money. Of course, you could balance all of that out by signing up with the H.O.P.E. Program for your zero-down home all with bad credit. That might make things better….

“Haunted Houses” Are Fun, Yes, But Not on Your Wallet

You, therefore, need to be mindful of those stories you hear from neighborhood to neighborhood. Old, nostalgic houses are fun to look at, but if you want a decent place to live, live optimized, live with updates, upgrades and new roofing. Let’s just say we wouldn’t want you to become a ghost when the roof comes crashing down on you.

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Buy a home with bad credit

Watching Out for Fake Tax Preparers in This 2015 Tax Return Season

29 Jan , 2015  

Perhaps you’re already on the lookout for those tax preparer “sharks” you’ve heard of, such as in this article, and if that’s the case, you should be all protected from the vicious bite that is such a predator. But why? Why are any of these signs actual warning signs for this 2015 tax return season? How do we know for sure that this tax shark is nothing more than Flipper? After all, they both have fins. One wants to eat you, the other just wants to play.

2015 Tax Return Point to Keep in Mind: Where Your Money Goes Matterstax return flipper

Additionally, how much money a certain tax preparer will charge you could lend some clues as to whether or not this person’s honest and professional. Forget the fact that there might be a PTIN, certifications and other credentials. If by chance this person expects you to have the IRS directly deposit your 2015 tax return into not your bank account, but the tax preparer’s account, we smell blood in the water.

In no way should the IRS do such a thing. They wouldn’t know any different, though; that means you have to know. Just like you have to know that this press release about 2-hour tax returns could really make it easier on you this season, so be in the know and get things started right. Additionally, though….

Other Warning Signs to Watch Out For This 2015 Tax Return Season

Be careful about just how much a tax preparer will charge. Why? Certain laws are in place to ensure that tax professionals are, well, in fact, professional with your hard-earned money. Typically the legitimate tax preparers out there will charge a simple flat fee regardless of the amount on your tax return, so be sure to watch out for that.

Or else you’ll get bitten hard. Possibly lose a leg or two.

Other Services Available for Your 2015 Tax Return

Aside from the necessary precautions, don’t hesitate to take advantage of the many opportunities and services available here. Get started with your 2-hour tax return here, for one thing. Not only are you solidifying a definite as far as legitimacy, honesty and lawful compliance, but you’re maximizing every chance you have in getting the best tax return possible.

Flipper would be proud!

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