The Disadvantages Of Selling Your Home All By Yourself

By Ras Reed

The reason why some human beings prefer to sell their homes alone without the support of a real estate agent or broker is to save money. An amount of nine thousand dollars has been estimated to be bulk of money that you can save if you decide to sell your house by yourself. With that amount of money as savings on home sales, who would want to use a real estate broker?

Despite the benefits of selling your home by yourself, there are the downsides that you should be tuned in to;

When you sell your home by yourself, you actually limit the number of people that you can reach with the information that your home is for sale. A real estate broker is trained to tap into the network of potential real estate buyers and can therefore pass the information across to a large number of people.

However, working alone to sell your home can be limiting unless you are creative with the marketing technique you employ. Also, working alone in the sale of your home can bog down you from possessing access to the multiple listings service. Only those who use a real estate broker can be listed on this service.

If a buyer is aware that you are selling off your home by yourself, he or she may try to negotiate the price of the house. If you are not skilled in negotiating, you may end up selling the house for less the price that it should be. Buyers are most hesitant to negotiate price when a real estate broker is present.

In addition you may actually hinder the sale of your home if you are the one taking the buyers on a tour around your home. They may feel like they are intruding.

Lastly, any mistake you make is solely yours. That can be frightening particularly when it is a costly mistake.

About the Author:

Ras Reed provides interesting resources about How To Sell Your House , or For Sale By Owners on his resourceful website.

Useful Credit Card Consolidation Information

By Ras Reed

The line of owning a credit card can blind you to the risks that come with it if you are less watchful.

Credit card debt is the most common drawback of holding a credit card. Credit card debt can damage your chance of getting a large sized loan and can even harm your likelihood of landing a good job. It is critical that you stay away from running into credit card debt.

If however you are already in a battle to put your head above the waters of credit card debt, there is a way out for you. It's called credit card consolidation. Innumerable economic advisers would recommend you to consolidate your credit card consolidation.

This certainly refers to the process whereby you move your credit card debts from one credit card or cards to a new set of credit cards in order to scratch the old bad credit history and attempt a clean slate.

The transfer of the credit card debt has to be done with the Annual percentage rate of the receiving credit card in mind. Usually, credit card debt come to pass as an effect of your inability to dispense with your monthly credit card bills.

A credit card or a set of credit cards that has a high APR can make you go into credit card debt quicker than a credit card that has a low APR. The APR is a very vital factor to consider if you are going to transfer your credit card debt to a new set of credit cards.

Never consolidate your debt on a credit card that has a high APR. Go for credit card with the lowest Annual percentage rate possible. Make sure that the APR of the new credit cards is lesser than your old credit cards. Most credit cards that are involved in debt consolidation plans may offer you a low or Zero APR initially to pull you in. However most of them have short APR terms that often expire after a maximum of twelve months.

You should be vigilant about which credit card to consolidate your credit card debt on and certify you target the one that still has a considerable low APR even after the twelve month short APR term is over.

About the Author:

No matter how much you think you know as regards Credit Cards information such as information about 0 Credit Card Balance Transfer , or even 0 Credit Card Balance Transfers , visit Ras Reed's site and be thrilled with very top information.

Financial Institutions Offering Credit Cards

By Denzel Abintenk

Credit card companies are trying harder than ever to attract new customers, if you have fairly reasonable credit then you will probably be used to the array of junk mail which lands on your mat every day. There are many different companies offering these credit cards, some of which we know very well. You will no doubt receive lots of junk mail from GE Capital, however it is worth bearing in mind that just because they use these big names it doesn't necessarily mean that they are part of that company.

This company may of started with the large company but spun off many years ago forming its own company. It is also possible to make your life easier by consolidating some of your debts, however you must be very careful when doing this otherwise you could make your financial situation worse than it already is. Many credit card companies make the idea of consolidating credit card debt very easy, however that may not always be true. Just keep your wits about you, if anything seems too good to be true, then it almost certainly is.

You will probably be aware of the checks that you get sent through he post for large sums of money, this may make it seem like a very good option for eliminating debt from your life. However these checks are really only an advertising gimmick, they are just offering you a way to consolidate the debts that you have on credit cards by using the equity in your home as collateral.

It's a good idea to avoid equity lines of credit if you are consolidating your credit card loans, as this can put your property at risk for a fairly small loan. Lines of credit should be used for more expensive things like remodeling your home, or sending your children to college. You don't really want a short term debt held on a credit card to turn into a long term debt added onto your monthly mortgage repayments. It's best if you throw all of these 'brilliant' offers away as soon as you get them!

Refinancing

If you own your home then it might be a good idea to consider refinancing it in order to write off your credit card debt. This is one of the most extreme things that you can do to reduce your credit. This will mean that you have to continue paying mortgage repayments for longer than you otherwise would have. If you don't mind the idea of increasing the length of your mortgage then I suggest you go for it. You will be financing a much smaller portion of the house than when you originally purchased it. Mortgage repayments will probably be much lower than your current credit card repayments.

Credit card debt can be a major problem which can affect every aspect of your life, you should do everything that you can do in order to reduce your credit card debts and potentially write them off. If you are clever then you will be able to find a way to cope with your credit card debt.

About the Author:

Denzel Abintenk publishes principally for http://www.debtania.com , a web publication on short-term and long-term financial plans and what is financial planning. You might come across his contributions on short term financial planning over at http://www.debtania.com .

Can You Increase ROI On Your Fuel Dime?

By Barb Wolfe

In recent years, the increasingly large cost of fuel has put an economic strain on a lot of people in the United States. This factor is something that has caused problems with people from all types of background, and has even given those who normally do not think about the price of gas a moment's pause when they are filling up their tanks. This has led a lot of people to think about what the best way is to get the most out of their money when they are dealing with fuel costs. The need to find a good way to prolong how far a car can go without having to fill up has caused some people to try and find new means of accomplishing this task.

In fact, there are plenty of ways in which you can easily increase your gas mileage and some of them are easier than you might have thought possible. For example, just by taking the following small steps, you can lower your monthly fuel bill. Removing any excess weight from your vehicle's trunk, keeping the appropriate level of air pressure in your tires, taking your car to the mechanics for routine preventative care and regular tune ups, keep the air conditioner off unless it is absolutely necessary, follow the posted speed limit and guideline signs when possible. These may not all be things you can do on a regular basis, but trying to do as many as possible in combination with each other will certainly help to increase your mileage in a day to day driving situation.

If you drive a diesel car or truck, then you should check into alternative fuel sources that can assist you in lowering the cost of your gas. Some of these alternative fuel systems are not just effective, they are also extremely cost efficient and you can use them to make sure you don't pay as much at the pump (or in some cases fill up as often). And, if your vehicle continues to get good gas mileage on the new fuel, then you have very effectively reduced the cost you are paying per mile that you drive. One example of a popular alternative fuel is biodiesel. Its popularity is tied in with the fact that is has been said to get better mileage than more traditional forms of diesel, and it burns cleaner so it is healthier for the environment. Many filling stations that have diesel will also offer the biodiesel at lower prices. This can be accomplished because of the government's aid and subsidies that are intended to help break out dependence on foreign fuel supplies.

If you are still thinking about how you can work to increase your gas mileage, then you might look into putting a fuel additive like FuelBoost Diesel Additive into your vehicle. This can help your car use the fuel that it has more efficiently and in a cleaner manner than traditional fuel normally would. Adding FuelBoost to your vehicle should be considered to be a part of your routine maintenance, because it can help you achieve the maximum fuel efficiency possible in your vehicle. Plus, in the long run it will help to cut down on expenses such as fuel system flushes and fuel filter replacements, which makes the money that you spend on FuelBoost more than worth the investment.

Although it may appear as if these are all just ways in which you can save a few dimes at a time through fuel mileage conservation, it's important to remember that if enough people in the world worked to save a few dimes here and there on their fuel consumption, the global savings would add up very quickly. If you take into consideration how often you personally are filling up at the pump and add up the total sum of those savings each month you might be pleasantly surprised to find out that you are actually saving a significant amount. This is especially true for those who rely on their vehicles for work, and before long that small stack of dimes could add up to large savings.

About the Author:

People are always asking the wrong questions when it comes to saving fuel. Instead of asking, does the tornado fuel saver work, they should be asking, how can I change my driving habits. It really is just that simple.

Refinancing your Home to Write off Your Credit Card Debts

By Denzel Abintenk

Credit card companies are trying harder than ever to attract new customers, if you have fairly reasonable credit then you will probably be used to the array of junk mail which lands on your mat every day. There are many different companies offering these credit cards, some of which we know very well. You will no doubt receive lots of junk mail from GE Capital, however it is worth bearing in mind that just because they use these big names it doesn't necessarily mean that they are part of that company.

This company may of started with the large company but spun off many years ago forming its own company. It is also possible to make your life easier by consolidating some of your debts, however you must be very careful when doing this otherwise you could make your financial situation worse than it already is. Many credit card companies make the idea of consolidating credit card debt very easy, however that may not always be true. Just keep your wits about you, if anything seems too good to be true, then it almost certainly is.

You will probably be aware of the checks that you get sent through he post for large sums of money, this may make it seem like a very good option for eliminating debt from your life. However these checks are really only an advertising gimmick, they are just offering you a way to consolidate the debts that you have on credit cards by using the equity in your home as collateral.

It's a good idea to avoid equity lines of credit if you are consolidating your credit card loans, as this can put your property at risk for a fairly small loan. Lines of credit should be used for more expensive things like remodeling your home, or sending your children to college. You don't really want a short term debt held on a credit card to turn into a long term debt added onto your monthly mortgage repayments. It's best if you throw all of these 'brilliant' offers away as soon as you get them!

Refinancing

If you own your home then it might be a good idea to consider refinancing it in order to write off your credit card debt. This is one of the most extreme things that you can do to reduce your credit. This will mean that you have to continue paying mortgage repayments for longer than you otherwise would have. If you don't mind the idea of increasing the length of your mortgage then I suggest you go for it. You will be financing a much smaller portion of the house than when you originally purchased it. Mortgage repayments will probably be much lower than your current credit card repayments.

Credit card debt can be a major problem which can affect every aspect of your life, you should do everything that you can do in order to reduce your credit card debts and potentially write them off. If you are clever then you will be able to find a way to cope with your credit card debt.

About the Author:

Denzel Abintenk is publishing primarily for http://www.debtania.com , an online publication about short-term and long-term financial plans . His articles on short term financial planning can be found on his site .

Consider Credit Consolidation to Relieve Debt

By Daniel Atolben

Are you deep in debt and looking for a way out? Are you living paycheck to paycheck, paying bills late and barely scraping by? Managing your personal finances can be tough and there are many people in your same situation. There are some things you can do to help relieve your financial stress.

First off, you should try to repay your debts as you have agreed to. Work out a budget, limit your spending and as you pay off your credit cards, don't spend on them. If you've maintained good credit then see if you can ask for a lower interest rate or transfer your balance to another credit card that has a lower interest rate. Some may offer you a limited time at a low or zero interest which may be what you need to get ahead of your payments.

Look at ways to increase your income. Think about taking up a temporary job to supplement your income. Consider downsizing your lifestyle so you can have more spending money. If you're making payments on your car, then think about selling it and buy a used, dependable one. Think about getting a roommate or moving to a smaller apartment. If you can generate just a few hundred dollars a month then you can bring down your debt in no time.

Getting a debt consolidation loan is an option that is attractive even if you're not in financial peril. This type of loan will pay off your other debts, offer you a lower average interest rate and give you one monthly bill. A debt or credit consolidation loan can be fairly easy to get if you have equity in your home and have a decent credit history.

Another, less desirable option is debt negotiation. With debt negotiation, you or a third party negotiates with your lenders for a lower interest rate, extended payments, and/or lower monthly payments. By doing this, you can afford your monthly bills and you'll have fewer worries. This comes at a price, however. Your credit cards will be frozen until your debt is clear and your credit report will be adversely affected.

There are debt negotiation services available to help you. They usually charge you a monthly service fee but they can help you get your debt under control. They advertise in the phonebook and on the internet. Be wary of ones that sound too good to be true. No one can just erase debt with no repayment unless it's through bankruptcy.

If you don't know the best option for your financial situation then get help from a credit counseling service in your area. They are usually non-profit or not-for-profit so their fees are nominal and they offer you a free consultation. Not only will they help negotiate debt settlement but they can also help you plan out a budget. You can soon be on your way to relieving debt and ending your financial burdens.

About the Author:

Daniel Atolben routinely publishes papers on issues associated with how to negotiate with creditors and how to negotiate debt settlement amongst creditors. You might discover his abstracts on negotiating settlements within creditors over at http://www.debtania.com .

Dallas Condos

By A. Kim

Normal single family homes require a lots of maintenance and repairs, on the other hand ,condos require very little upkeep on the building. The association takes care of most of the repairs and maintenance. This is one of the reason many Americans are turning to condos as the place to call home. In Dallas, Texas the recession in the economy has created many available Dallas condos at distressed or affordable prices than in the past.

During the building boom, many developers have begun construction in downtown Dallas and its surrounding area called Dallas Fort Worth area. There are an over supply of inventories of these condos due to the expansion in early to mid 2000's. Many of these prices have come down due to more inventories of available homes than home buyers as American's are loosing their jobs.

May in the boomer generation has been choosing to sell the larger homes or these easy to maintain condos, it takes much less keep ups than single family homes especially the larger ones that we have been accustomed to in recent years. WithDallas condosstarting around $150,000, it offers some financial benefits as it reduces the mortgage that one has to pay.

Long commutes have been traditionally linked with a larger metropolitan areas like Dallas. Dallas is no exception with many people moving into the area. It has caused a high traffic time for those who commute to their work in downtown offices. These Dallas condos make it attractive to live close, so you don't have to sit in your car for long time to commute to work.

Downtown Dallas is getting more fancy as restaurants , upscale boutiques, high class clubs and bars spring up. Young hip professional singles tend to flock to these areas and some of the hip areas in downtown vicinity are West Village and Mockingbird Station closer to East Dallas.

Some of the higher end condos start as high as $1 million, but you can get a nice high rise for about $300,000 or less if you do your due diligence. So think about buying aDallas condos, so that you can enjoy the balance between life and work.

About the Author:

If your thinking of purchasing a Dallas condos, please review Dallas Condos, and Dallas Condos

Bankruptcy Chapter Seven Exemption - Why is it important

By Robert King

Do you have debts that are hard to pay? If so, the hardest part could be filing for bankruptcy. Many people prefer Chapter 7 Bankruptcy. In this chapter, all your non-exempted assets will be sold or liquidated that will be an avenue to pay all your debts. This chapter is supervised by the authority and the court will appoint a a person known as a trustee to sell all the non-exempt assets owned by the debtor and distributes between the creditors. Bankruptcy chapter 7 exemptions refers to assets that you get to keep when the bankruptcy is filed. Although chapter 7 is the least favorite method of bankruptcy, with the help of exemptions, a debtor could have a chance to reduce their personal liability and will be able to keep some of their belongings.

In this exemption the debtor keeps the property that he is allowed to keep. This list will be provided in the Federal Bankruptcy Code. The debtor's property will be divided as exempt or non-exempt when the state trustee files a property exemption report. Take note that while the basic law may be the same, some exemptions may vary in other states.

Secured debts are first paid off but if the debt is unsecured, there is a chance that the creditors of unsecured debts might not get any money at all. The trustee will pay the right creditors in the right amount. Note that to enjoy the benefits of bankruptcy chapter 7 exemptions, the debtor must file the case in the state where he/she lived for at least 730 days before filing for this type of bankruptcy. Or the debtor may also file the case in a state where he/she has previously lived for more than 180 days, up to 2 years.

There are also the Federal exemptions which will cover retirement benefits, death disability benefits, survivor's benefits and miscellaneous. Although, keep in mind that these may not be available in all states.

Bankruptcy is probably the worst scenario, your credit score will fall because of it. You will lose all your personal belongings and you need start a new leaf, both personal and business wise. Remember, bankruptcy should always be your last alternative.

However, if in a worse case scenario, then try to learn more about bankruptcy chapter 7 exemptions as your personal loss can be reduced to a minimum, and get to pay off your debts as soon as possible.

About the Author:

Want to declare bankruptcy? Thinking of declaring under Chapter 7? If so, find out more information on bankruptcy chapter 7 exemptions. You can retain some assets for yourself! Visit our website for more information today!

Choosing And Paying For An Online Education

By Michael Fleischner

With so many individuals continuing their education, schools have evolved to accommodate individuals returning to school to finish a degree or to develop the skills necessary for retraining. In fact, more adults than ever are considering online education. Online degrees are popular because of the flexibility they provide.

When thinking about degree completion or online learning, there are a number of factors you should consider. First and foremost, you should begin with a clear understanding of what you wish to accomplish. Most individuals attend online learning programs to acquire the skills necessary for work in a particular industry.

Give some thought to the type of education you will need to get a job upon graduation. One way to do this is to start calling and speaking with counselors at both traditional universities and online schools. They can give you a good idea about what their programs will do for you as well as provide you with a sense of how many graduates are immediately placed in jobs.

With an ailing economy, job placement may be a challenge. Think about the industries that are doing well even in trying times. Medicine, pharmaceuticals, and other areas will continue to thrive as baby boomers age and the government continues to fund new programs.

As you get closer to selecting the type of online program that will meet your needs, you must consider whether you can complete such a program. Some good questions to ask yourself include whether or not you have the discipline needed to meet the program requirements. Also, can you succeed without being in a physical classroom? Are you okay interacting online. Some people are uncomfortable navigating forums, websites, and so on. But this should not be an obstacle.

In addition to entry requirements many schools and programs offer specific programs or customized programs. Make sure that you understand what it takes to meet graduate requirements and complete your degree. You should know exactly how many credits you need to get your degree. You should also understand the value of that degree. What type of job can you get? At what salary? Does the value of the completed degree equal the type of job you can get?

There are many ways to fund your online education. With the help of government programs, schools aid, and private loans, the options are many. Work with your school counselors to determine the most economical way to pay for your online education. Accredited schools and colleges have access to government funding programs that charge a low rate and make school affordable.

Once you graduate, you will have many options for paying off your financial obligations. The key is to make sure you find a job quickly and this will only happen if you have planned accordingly. Individuals who graduate with a degree that is in demand get place more quickly than those with less desirable degrees.

After graduation and once you begin repayment of your loans, consider consolidating your student loans via loan consolidation. The practice of loan consolidation is where you work with a single lender to aggregate your loans and consolidate them into a single loan. This results in a single payment with one vendor usually at a lower interest rate.

Completing your degree online isn't for everyone. Before enrolling, ask your prospective school about repayment options associated with each funding source. Ask the financial aid counselor if student loan consolidation is an option upon graduation.

Earning a degree online is a great way to make the most of a down economy. Before jumping right in you should ask a lot of questions about what you want to accomplish and what it will take to get your degree. Most importantly, think about how you are going to pay for that treasured education.

About the Author:

Learn more about Online Schools and how to pay for your online education with the help of student loan consolidation which can reduce your regular expenses and number of banks with the help of the Online Schools Review Blog.

Why Consolidate My Student Loans?

By Norman Harris

A lot of student with debts after graduating ask the same question: Why should I consolidate my student loans? There are a number of answers to this question, but let's start by defining student loans and the concept of loan consolidation. Student loans are an important source of financial aid for students who need assistance paying for their college education.

Unfortunately, a lot of people end up leaving college with burdensome debts. This debt often consists of multiple loans from different lenders. This means you have to deal with a bunch of different repayment plans that and policies each month. It can be very confusing and expensive this way. The solution is loan consolidation.

When I consolidate my student loans, it means that I group all my outstanding loans into one single debt with just one lender and one repayment plan.

When the process for loan consolidation begins, the balances of your original existing loans are paid in complete by the consolidation agency. Your debt is now owned by the agency and payments can be made to them that usually carry a lower interest rate and are more manageable to pay off.

Why else would I want to consolidate my student loans? The benefits can save you in the long run by being able to lock in with a lower fixed interest rate. Fixed rates are a great way to pay off a large debt over time, because of the amount of money being saved.

Another reason why else to consolidate my student loans are the low monthly payments that can be made with the consolidation agency. Most agencies are very helpful to establish an affordable budget to pay off your loans and fit your lifestyle.

How I save when I consolidate my student loans will depend on what interest rate I have and whether I decide to get an extension for my repayment plan. Generally, consolidating student loans can reduce monthly payments by up to 54 percent. Of course, that means you are extending your repayment plan and building up more fees in terms of interest.

It is always best to pay extra on your monthly payments when consolidating student loans. If you decide to pay more each month, do so. More on the subject for why I should consolidate my student loans can be found on the internet. Be sure to do your research for a lower interest rate that best fits your budget. Good Luck!

About the Author:

Before you decide to make multiple payments on your Student Loans Debt, Please read Norman's advice on Student Loans Debt Consolidated, and Student Loan Consolidation

Payday Cash Loan UK: Get Financial Help Now

By Rashel Dan

Have you ever wondered what a payday cash loan UK is good for? It may seem almost ridiculous to make such short term loans only to pay back these loans with high interest rates added onto them. But in a world where the cash market moves quite fast, you might be surprised to find yourself needing cash at the most awkward of moments.

The Needs

Ever find yourself needing cash right away to pay off some bills that you may have forgotten? Can't wait for your next payday because a bill's due date is coming real quick? A payday cash loan UK can help you in these aspects. These loans can meet your cash needs quickly, especially if you acquire them online or through a trusted bank or lending store.

Payday cash loans can definitely help you take care of unpaid bills. These loans are so quick that you don't really need to serious a reason to avail of them. You can get them for all sorts of reasons, such as paying urgent electric or cable bills, credit card bills, etc. More importantly, you can make these loans to meet medical urgencies and this is where loans can play a vital role.

Advantage

Have you ever tried being denied a loan due to bad credit history? A payday cash loan can be of great help because you can easily arrange for cash regardless of your credit history. Of course, this is all dependent on where you get the loan but the quickest places are through private establishments or over the Internet, which is even more convenient and quickly becoming more popular.

A proof that you can pay back the loan at a certain time is the only requirement you will need. Also, if you cannot pay back on time, you can also arrange for planned payments that may be a little higher when it comes to the added interest but at least you will be able to manage the payments. The Internet makes it even easier by allowing you to make electronic transfers from your bank to make the loan payments.

Payday cash loan UK is becoming a fast solution to financial dilemmas since it is easy to avail of. It is definitely comforting to know that the option will always be there when you need it the most. After all, you never know when you just might need a payday cash loan UK.

About the Author:

Apply online for a payday cash loan UK. Find out more about how to process your cash advance payday loan in the UK today.

Is mortgage protection right for you?

By Mijnadviseur

Mortgage protection is getting increasingly popular these days. It is a form of insurance that allows you to make the house payments if you're not getting regular income during a certain period. You might get injured or lose your job, and mortgage protection makes sure you can pay all the bills in spite of that. There are many offers for mortgage protection on the market, so doing your research is important.

Many times, mortgage protection is purchased from the lender that also took care of your mortgage needs. If so, there is a considerable chance you're paying too much for your mortgage protection. The good news is that mortgage protection policies are easily cancelled these days so you can move on to a cheaper option.

For a lender, mortgage protection is an extra income stream. This is why many lenders automatically attach mortgage protection to a mortgage. The mortgage protection that is offered by your lender might not be the best option for you, because many insurance providers can provide the same mortgage protection in a more cost efficient manner. Be aware that some lenders will try to have you believe it is mandatory to get mortgage protection with your mortgage. This is not true nor mandatory.

When you are unable to work or generate income otherwise, mortgage protection can be a real help. The mortgage protection ensures you that you will be able to pay your mortgage payments for a certain period of time that's specified in your mortgage protection coverage. Most of the times this period is somewhere between 12 - 24 months. Being able to pay the mortgage costs every month is a big wieght off your shoulders in troubled times.

When purchasing mortgage protection, be sure to consider every available option for your situation. Mortgage protection is a good product, but you have to be careful where you get it. Because of the fact that mortgage protection represents a possible extra income stream for lenders, the advice they give you might not always be as unbiased as you think.

About the Author:

Mijnadviseur writes articles about mortgages in English and articles about hypotheek and aflossingsvrije hypotheek in Dutch.

Buying Atlanta Condos

By J. Kim

If you're interested in buying, look no further than Atlanta condos for sale. One of the most famous Southern cities, Atlanta is popular not only for it's wealth but also for the nightlife. And as its nickname implies, temperatures heat up all year long.

You will never be bored in Atlanta, there are plenty of things to do. You can go for a world class shopping or enjoy quiet southern night at home. You can catch the Atlanta Braves baseball games or visit the CNN Museum as well as the Olympic Park. You will never run out things to do in Atlanta. Here are some tips if your considering purchasing a Atlanta condos.

Do your research ahead of time and know what you're getting into. Look at what you want on your own and figure out what the price tag should be. Be careful comparing comparable sales, as when the market is in a downtown things could be misleading. Then contact a Realtor. By doing this, you are taking control. Don't let your insecurity keep you from making the first move. Talk to potential neighbors and find out about the properties.

Maybe visit the property at night, you can tell many things at night that you have overlooked during the day. While majority of neighborhoods in Atlanta are safe don't be tempted by extremely low prices. Make sure you know everything before you sign the dotted line.

With sales of Atlanta condo falling over 88 percent in the second half of the 2008, you sure will find bargains. Huge surge of new construction have over supplied the market in last few years and many developers have auctioned off the available condos at unbelievable bargains.

Prices are the lowest since early 2000's, interest rate is at all time lows, and the federal government is offering $15,000 in first time buyer tax credit, you should not care about pre-construction deals anymore. There are plenty of deals and value in this market.

About the Author:

Thinking about purchasing an Atlanta condos, please review Atlanta Condos, and Atlanta Condos

Common Types of Bad Credit Loans

By Trinity Preston

If you have bad credit, you might think that the options for borrowing money are pretty much non-existent. It's true that people with bad credit are considered risky to lend to, but it doesn't mean that there aren't options for borrowing money and rebuilding your credit. There are actually a few common types of bad credit loans that will let you borrow money and start building a better credit score.

Personal loans are probably one of the most common types of bad credit loans. Sometimes referred to as payday loans or guaranteed loans, they are quick and easy to receive. One reason they are so quick is that there isn't a lot of information you need to provide to receive the loan. If you are at least 18 years old, are a citizen of the U.S. and can provide proof of your income, you most likely will qualify for a personal loan.

Student loans for school are another kind of loan you can receive even if you have poor credit. Most lenders don't use a credit check as a qualifying factor for the loan. Since in most cases the government is backing the loan, lenders aren't as worried about lending money to risky borrowers. Government loans are your best option if you plan to take out loans for school if you have poor credit. Even if you don't have bad credit, they are usually still the best option since the interest rates on government loans are generally lower than any other loan you might qualify for.

A secured credit card is another way to get a loan if you have bad credit. Secured credit cards are a little different from regular credit cards in that you have to make a deposit to receive the card. You have to offer a deposit in the amount of the credit limit on the card.

Really, the main advantage to a secured credit card is to help you build your credit. By establishing a card in your name and making your monthly payments on time, you will improve your credit score. So even though secured credit cards don't really make any more money available to you, they are helpful for building a positive credit score which in turn will help you qualify for other loans in the future.

For people with bad credit, opportunities to borrow money might decrease. However, there are still ways for you to be able to borrow money and improve your credit rating. Some of these common bad credit loans might be the answer to your financial struggles.

About the Author:

Trinity helps people to learn about loans, how to find a bad credit loan, and more specifically about personal loans for bad credit.

Should You Dump Your 401(k)?

By David C Lewis, RFA

Most people know about one, maybe two choices when it comes to retirement planning. The most common is an individual 401k. The other is a Roth IRA. There are more Government sponsored plans, but these are the two most common.

If you are making a choice between a Roth and a 401(k) plan, consider what your objective is in saving money for your future. If you are trying to accumulate enough money to live on, a 401(k) may not be the best choice. That's because the better you do, the more taxes you pay. In fact, you may end up paying back more in taxes than you've saved.

What are you always being told about qualified plans and retirement in general? You're told that you'll be in a lower tax bracket, right? The question is, is that true? If so, then you are going to be making less money than before you retired. You can't expect to do well in your investments and pay less in income tax. If you do poorly, you could end up being poor by the time you retire due to inflation. Does that sound like your ideal retirement?

Of course, the other most popular option is the Roth. This plan works a little differently than a traditional qualified plan. You contribute after tax dollars and when you retire you don't have to pay tax on any of the gains. It's a good deal, except for one thing. You can't contribute anywhere near the amount you'll probably need to save. This can be problematic since most people expect unrealistic rates of return on their investments...the result will be a lower than necessary savings rate.

What it ultimately comes down to is: which qualified retirement plan is the best? But, do you need to use a qualified plan? Most mutual fund investors earn less than the rate of inflation according to DALBARinc.com. In qualified retirement plans, the bulk of your money will probably be invested in - you guessed it - mutual funds. The inherently high fees in some of these plans will further drag down your returns.

So, what can you do instead? Many families and businesses have turned to private insurance contracts. High cash value life insurance can yield between 5-6% tax-free over your lifetime, the cash values are guaranteed, and the death benefit advances your future expected savings to your family if you are unable to complete your plan due to death regardless of how much cash has actually been built inside the plan.

About the Author:

Author: Only so much information can be covered in one article. If you would like more detailed information about any aspect of personal financial planning, please visit David's website.

Commonly Used Types of Mortgage Loans

By Trinity Clawson

If you plan to buy a home, you will have to make a choice on what type of mortgage loan is best for you. It might be overwhelming to decide when there seems to be so many different options. What is best for you financially might not be what was best for someone else. If you plan to take out a mortgage sometime soon, it would be beneficial to learn how some of the most common types of mortgage loans work so you can know which mortgage is best for you.

The fixed rate mortgage loan is perhaps the most well known mortgage option. When interest rates are low, it is a good idea to get a fixed rate mortgage and lock in the interest rate. Whatever interest rate you get with your mortgage will stay with you unless you refinance the house. The amortization schedule with a fixed rate mortgage will stay the same throughout the term of the loan.

Terms of loans for fixed rate mortgages can be ten years, fifteen years, twenty years, thirty years, forty years, and in some rare cases, fifty years. Lower interest rates are offered for loans that have shorter terms since they are lower risk loans for the lenders.

If you hope to pay off your home as soon as possible, then getting a loan with as short of a term as possible might be wise. The shorter the term, the less interest you will pay on the loan over time. You can get a fixed rate mortgage with a term as short as ten years. In some cases, you can get a term as long as fifty years. The most common length of term is a thirty year term.

An adjustable rate mortgage is another common mortgage. They have become more popular over the past several years. Some buyers grossly misunderstand the ARM (adjustable rate mortgage) loan. The main thing to be aware of with this type of loan is that you need to expect that your monthly mortgage will change over time.

People will use this type of mortgage if they are using the property as an investment that they plan to sell when it appreciates in value. Sometimes they'll rent out a place for five to ten years in the amount of the interest only mortgage and then sell the property for a profit when it appreciates.

The fixed rate mortgage, adjustable rate mortgage, and interest only mortgage are the most commonly used mortgage loans. Depending on your situation, one of them could be the best mortgage for you.

About the Author:

Trinity walks people through the process of getting mortgages with bad credit and home loans with bad credit.