Archive for January, 2011

How to Stop Annoying Debt Collector Phone Calls

Saturday, January 29th, 2011

Fairfax VA – We have a new technique in the battle to avoid becoming harassed day and night time by consumer debt collectors. Even though there are laws that enable shield you, in my belief, the debt collector almost never follows them.

Do you owe more than your Fairfax VA area dwelling is worth and want to prevent chapter 7? You can steer clear of chapter 7 with a short sale and get all the upside straight down home loan financial debt forgiven. Learn more about saving your home with a short sale option.

Did you know that if you request a debt collector stop calling you, then they must comply and leave you alone. That is the law. However, it rarely happens. We have people tell us all the time, “I told them to stop harassing me. But, they just keep on calling anyways.”

Sure you can take them to court. But, who has the time for that? Little did we know that if you sue them once, then you\’ll never be harassed again. Here is how we found this out.

We know someone in the private investigator field. He has access to the same databases that most debt collectors use. He told us that there were some recent changes to the debt collection databases. One of the databases they use to hunt down debtors now flags people who have filed a lawsuit.

So, if you want to be left alone, don’t meekly ask the debt collectors to stop calling you. Instead, get some cash and get rid of them all at once. To file a suit, go online and Google “Stop Debt Collector Calls Attorney.”

The attorneys will review your case for free. From what we know, they will even file the lawsuit for free and they get paid only from what they collect. In my opinion, the debt collection industry runs rampant over the Federal Laws that were put in place to protect the consumer.

It\’s time we put a stop to the harassment. According to the private investigator, once you file a lawsuit, debt collectors will avoid you like the plague. I hope this helps you regain your sanity in this crazy world.

Are you interested in selling your property as a short sale? Call me at (703) 322-0600 for a free consultation. When you call, I will explain how the process works in detail and answer any questions you may have. Discover how other home sellers successfully completed a short sale and request a free consultation.

Our Fairfax loan modification kit has the directions you will need to have to get a mortgage modification accredited with your lender.Thank you for reading this, Thierry Roche.

Thierry is a Real Estate Agent at RE/MAX Premier, and Host of Talk Radio’s “Inside Real Estate”

Phone: (703) 322-0600

Thierry@ThierryRoche.com.

Thierry Roche specializes in loan modifications and short sales in Fairfax Virginia. Fairfax Loan Modification Help. Fairfax Short Sales. Fairfax Short Sale Realtor. Fairfax County Short Sale Realtor. Fairfax VA Short Sales.

It May Be Time To Invest In Wasaga Beach Real Estate

Saturday, January 29th, 2011

Wasaga Beach has long been the chosen retreat for neighboring Toronto residents because it has the longest fresh water beach in the world, but it did not officially get to be a town until January of 1974. Consequently, the community has steadily climbed — from 12,419 permanent occupants in 2001 to 15,029 when the 2006 census was taken.

 

While the figures continue to rise, Wasaga Beach has earned a reputation as one of the fastest growing regions in the country. The number of sales and the extent of Wasaga Beach real estate sold is increasing substantially — especially since 2009 — and new residents are building homes as the demand for more seasonal structures is growing, and cottages and weekend homes are springing up along the popular beach front. 

 

Wasaga Beach’s fourteen kilometers of safe, sandy community beaches, including the Wasaga Beach Provincial Park–which was appointed the highly regarded Blue Flag designation for its efforts to oversee Wasaga’s shoreline according to international environmental standards—lures both permanent residents and visitors as well. In the summer, residents and visitors alike take advantage of sunbathing and sports like volleyball and jogging along the sandy beaches which are numbered 1-6 — with 1 and 2 being the most well-liked. During the winter, the same stretch of beach is a popular spot for winter sports enthusiasts who come to snow shoe and cross country ski along the well maintained trails.

 

The growth that Wasaga Beach has witnessed has not been deterred by the massive fire that destroyed seventy percent of the main street businesses and apartments to to mention the pedestrian mall on November 30, 2007. Instead, the area is undergoing a big development boom with construction currently underway on a contemporary style beach front boardwalk with shopping, eateries, and an indoor/outdoor theme park serviced by a monorail. To deal with the requirements of the burgeoning area, the local transit service, Georgian Coach Lines, has had to add to their routes twice since 2008 and supply service daily from 7AM to 7PM on an east-west route through the town.

 

Home sales rose in the first part of 2010 by 65 percent when compared to the same time last year. The month of March 2010 experienced a whopping 50 percent rise which also had a positive affect on the adjacent Collingwood real estate market. Many of the recent transactions were in the 350K to 500K area, which represents a 172 percent hike for the Greater Toronto Area over the average value of residential property, which usually runs around 300K. Although undoubtedly seasonal buyers make up a large portion of the increase, it also appears to be due to the high-end estates in Wasaga Beach are increasingly a sought after retirement choice for well-to-do residents. The rural beauty of Wasaga Beach and the well known Georgian Triangle way of life will always appeal to a wide range of home buyers who enjoy the country existence as well as the convenience of being just a couple of hours from all that Toronto can offer. 

The Important Real Estate News for Today

Saturday, January 29th, 2011

Each day the real estate investing news changes. Literally what was true yesterday may not be true today. It could be true, though, again tomorrow. That is the reason that real estate investing news can be so important. It helps you stay on top of your business.

Real estate investors need to have the very latest information. But they might not necessarily have time for the necessary reading and research. If you do not have time, then there is a solution. I release my news, notes and thoughts each day. I make sure to do this because it is important for people to get their real estate investing news.

You definitely need information to invest in real estate. You might find yourself tangled up in a bad deal if you do not. You could end up in a serious legal battle. It is important to know exactly what is working in the real estate world. You will find that the housing market is full of pitfalls.

You will be able to check out my notes below. This will help you stay up to date on the latest trends.

* Bulk reo is moving into the spotlight. – Lenders and investors are starting to come together. Everyone wants to buy as big as possible. You can buy big by buying many properties at once. The prices will eventually be really low. You can then resell or keep them as an investment.

* Real estate investing ethics are always important. – The internet has created a gray area, however. However, virtual staging creates problems for buyers in some cases. You might find that the property is not what you expected when you show up on the property.

* This real estate investing scam on Craig’s List is a problem. – You might not really expect to see your house up for rent unless you are a landlord. It is a big problem when “tenants” arrive ready to move in. Turns out that people are renting out other’s houses and then running away with the security deposits!

You will find more notes on the news tomorrow.

Moving to Honolulu, HI

Saturday, January 29th, 2011

Honolulu is the capital of and the most populated census-designated place (CDP) in the U.S. state of Hawaii. Although Honolulu refers to the urban area on the southeastern shore of the island of Oahu, the city and the county are consolidated , known as the City and County of Honolulu, and the city and county is designated as the entire island. The City and County of Honolulu is the only incorporated city in Hawaii, as all other local government entities are administered at the county level. The population of the CDP was 371,657 at the 2000 census, while the population of the City and County was 909,863. In the Hawaiian language, Honolulu means “sheltered bay” or “place of shelter.”

Evidence of the first settlement of Honolulu by the earliest Polynesian migrants to the archipelago comes from oral histories and artifacts. These indicate that there was a settlement where Honolulu now stands in the 12th century.  However, after Kamehameha I conquered OÊ»ahu in the Battle of NuÊ»uanu at NuÊ»uanu Pali, he moved his royal court from the Island of HawaiÊ»i to WaikÄ«kÄ« in 1804. His court later relocated, in 1809, to what is now downtown Honolulu.citation needed

In 1795, Captain William Brown of Great Britain was the first foreigner to sail into what is now Honolulu Harbor More foreign ships would follow, making the port of Honolulu a focal point for merchant ships traveling between North America and Asia.

In 1845, Kamehameha III relocated the permanent capital of the Hawaiian Kingdom from Lahaina on Maui to Honolulu. He and the kings that followed him transformed Honolulu into a modern capital, constructing buildings such as St. Andrew’s Cathedral, Ê»Iolani Palace, and AliÊ»iōlani Hale. At the same time, Honolulu became the center of commerce in the Islands, with descendants of American missionaries establishing major businesses in downtown Honolulu.

Despite the turbulent history of the late 19th century and early 20th century, which saw the defeat of the Hawaiian monarchy in 1893, HawaiÊ»i’s subsequent annexation by the United States in 1898, followed by a very large fire in 1900, and the Japanese assault on Pearl Harbor in 1941, Honolulu would remain the capital, largest city, and main airport and seaport of the Hawaiian Islands.

An economic and tourism boom following statehood brought rapid economic growth to Honolulu and HawaiÊ»i. Modern air travel would bring thousands and, as of 2007, 7.6 million visitors every year to the Islands. Of these, about 62.3% in 2007 came into the state at Honolulu International Airport. Today, Honolulu is a modern city with a number of high-rise buildings, and WaikÄ«kÄ« is the center of the tourism industry in HawaiÊ»i, with thousands of hotel rooms. The UK consulting firm Mercer, in a 2009 assessment “conducted to help governments and major companies place employees on international assignments”, ranked Honolulu 29th worldwide in quality of living; the survey factored in personal freedom, political stability , crime, sanitation , the natural enviroment, housing , banking facilities, recreation , education, availability of consumer goods , and public services including transportation.

Free Relocation Packages for Honolulu, HI

The best condos for sale

Saturday, January 29th, 2011

When you are looking to buy condos, it is something that is very important that you correctly examine all the facilities that are available in the house and you need to do your checking really well and protect against any type of loss and error that you may have to suffer. However there are a number of things that you need to keep in mind before you must go and check on the condo that you would like to purchase.

One of the very first and major things that you need to keep in mind is what the condition of the electric fixtures of the home you are considering is. In addition to that, you should also test out what is the state of the air conditioner as well as the heating units that are there in the condominium that you’re looking at. It isn’t really complicated and the best thing is that you need to try and operate the oven and the heater or the air conditioning such that you are able to see how they’re working. Turning the machines up on full will ensure that you’ll be able to find any kind of malfunction if there is any at all. This will enable you to fix all of the problems if there are any with the condos that you have short listed and make sure that you keep them back as they were.

Because you will be staying there, you need to make sure that the plumbing of the whole place that you’re inspecting is working. This can be done simply when you are going from one room to the other and check on the taps that are there in each individual room and ensure that you have the necessary pressure and the drainage is good and sufficient according to you. If you find that the condominium plumbing has pressure that’s definitely not up to the mark and is somewhat sluggish, you’ll be able to say that the plumbing is no use in the condominiums. In addition to that, make sure that you turn the lights on, in all of the rooms that you check and you must also carry your own light bulb that will act as a kind of a tester whereby you will be able to plug it into the electrical sockets that exist for you in the homes. Make certain you check the electricity connections available in the kitchen and also the bathroom which are really close to the water. There are chances that there might be some faults in the condos electrical circuitry and if you are not sure then don’t go ahead and purchase.

The ceilings and the walls are one of the most crucial things however that you need to try out because they are the most important frame works of your house. Ensure that you should check on the issue of leaks and also the patches which may be present on the walls of the property because if they are not really corrected or spotted immediately, can bring about long term loss as well as damage in the condo properties. Apart from that, ensure that you do not forget to do the tilt test on the floor to ensure that the leveling off the floor is done properly.

Other than that, ensure that you carry out plenty of checking for yourself because this would ensure that you are current with all the happenings as well as the situations when it comes to costs and what is the sort of features and services that you can look out for from the side of the owner of the condo that you want to buy from.

 

Chilliwack Real Estate – What Makes Condominium Homes For Sale in Chilliwack Such Great Investments

Friday, January 28th, 2011

Whether you’re buying, selling, or just checking the market out, you’ve come to the right place if you’re looking for information on Chilliwack real estate in general and condominium homes for sale in Chilliwack in particular – especially if you’re interested in starting off your research with a broad overview of the community and then moving on to more specific information about Chilliwack condominiums.

Living in Chilliwack Has its Perks

Chilliwack, BC, is a community of over eighty thousand people that is nestled in a river valley and sourrounded by lakes and mountains and the wilderness. It’s about one hundred kilometres to the east of the site of the 2010 Winter Olympics – Vancouver – and is popluar with outdoor enthusiasts who enjoy a number of different outdoor activities:

  • Sport fishing
  • Whitewater rafting
  • Hiking & biking
  • Golf

Chilliwack residents also enjoy a low cost of living, mild climate, and access to the U.S. Chilliwack is also quickly establishing itself as a destination of choice for businesses. Some of the better known businesses with a presence in Chilliwack are:

  • Coast Hotels and Resorts
  • Stream Golbal Srvcs
  • Rogers Foods
  • Kal Tire Inc
  • Ritchie Bros. Auctions

Overall Chilliwack residents experience a standard of living that is common in big cities, and yet they still enjoy the perks of small town living.

Market for Condos in Chilliwack

The Chilliwack condominium market is intensely competitive, and condos are often sold before they ever advertised. And because the pricing is so attractive, condos that are advertised are usually snapped up pretty quickly.

Following are prices for three different listings for Chilliwack condos taken from the latest information from Realtylink’s website:

  • $77,000 for any one-bedroom, one-bathroom 800 sq . ft . condo – Chilliwack North Yale-Well subdivision
  • $159,000 for any two-bedroom, two-bathroom 900 square foot condo – Chilliwack West Young-Well subdivision
  • $424,900 for a two-bedroom, three-bathroom 2,100 square foot condo – Chilliwack West Young-Well subdivision

With slightly less than 180 condos in Chilliwack to choose from – in total – condo buyers have a lot of options.

Condominium Developments in Chilliwack

Following are the names of several condo developments in Chilliwack:

  • Auburn condo development – Chilliwack West Young-Well subdivision
  • Vibe condo development – Chilliwack West Young-Well subdivision
  • Willows condo development – Chilliwack West Young-Well subdivision

These developments offer lifestyle opportunities that would suit just about everyone – from first time home buyers with young families to retired empty-nesters – and, as such, make Chilliwack a great choice for a place to live.

At the end of the day, there is such a wide range of Chilliwack homes for sale, including condominiums, that you’re sure to find something to fit your needs. And when you factor in the combination of great working opportunities with a great lifestyles, investing in Chilliwack real estate can only be a good move.

Save Thousands on Your Mortgage Payments for Fairfax VA Homes for Sale

Friday, January 28th, 2011

In Part One, it was illustrated that a $200,000 mortgage at 6.5% amortized for 30 years for Fairfax VA homes would mean paying $255,090 in interest. In order to save thousands of dollars, you can actually pre-pay the small Principal portion of your monthly mortgage payments each and every single month.

This is because if you do it correctly, the bank has to waive all of the interest involved with the advanced payment. Here’s an example:

Say January 1 is the due date of the 1st payment. Along with the total payment amount of $1,264.14, you also add enough to pay the next month’s principal portion of about $180. Then because you’ve paid that portion  of borrowed money for the full term, your lender can’t ask you to pay the full interest. They’d have to waive $1,080 in interest associated with the pre-payment for February. That’s a lot saved!

This proven method of pre-paying the principal portion of your Fairfax VA homes’ next monthly payment will allow you to have your lender waive the interest associated with that next monthly payment. Come February 1st, you would have paid both payments number 1 and 2, but per your mortgage agreement, you still have to do a normal monthly payment.

So you pay $1,264.14 again, but this will count towards payment number 3 in the amortization schedule. You’ll also make a principal pre-payment for month number 4, which means the lender has to waive another $1,080 in interest. So 2 months living in your Fairfax VA home and you’re done with payments 1 to 4 without paying twice what you would’ve otherwise! That’s $2,160 in interest saved!

Now look ahead to the future and you’ll see that by being twice as far ahead every month, you would have reach payment number 360 in 15 years time. Meaning, you’d have paid off your loan in half the time and save $113,361 in interest savings! More than that, you can relax in the next 15 years, since you don’t have to make payments anymore and can do other things with your money as you wish.

Be warned, however, that you have to do this the right way to make sure your lender doesn’t “weasel” out of their obligation in saving you this money on your mortgage interest. Take advantage of my free, live Online Webinar to understand how to do this insider technique correctly!

 ~

Thierry is a Real Estate Agent at RE/MAX Premier, and Host of Talk Radio’s, “Inside Real Estate

Thierry & his team Guarantee a $25,000 minimum savings for Northern VA Homebuyers by applying his unique insider techniques & strategies that he discovered throughout 8 years of exclusive Radio Interviews & Insider Access to wealthy Real Estate Insiders, Investors & Top Industry experts.

Phone: (703) 222-6714.

Thierry@ThierryRoche.com

Copyright 2010 Inside Real Estate, LLC. All Rights Reserved.

Information On Selling A house

Friday, January 28th, 2011

Maybe you’ve got read a lot of advice at selling a house. But are you aware the greatest mistake many individuals make if selling a residence? Not understanding property value.

The thing is that, it will not matter what you think your home might be priced at. It will not matter what youdid to generate in nicer to your family. On-line of your private home is dependant upon buyers. What a person enjoyed about your home may always be irrelevant while it’s time to trade. Think concerning what potential buyers want, and use most of the following information on selling a residence.

1. Know the market. What various other similar properties have sold for? Have all those examples wanting to show potential buyers.

2. Decide on a bare minimum price – the purchase price below that you choose to just won’t move. Really don’t tell your agent what exactly this lowest is, but negotiate with any kind of buyers which make a deal near or perhaps above the idea.

3. Stick to the noticeable things initial. A fresh mailbox can be a good concept. When prospective buyers fall throughout love using the house just before they even enter this, they forgive plenty of problems.

FIVE. Clean that neighborhood. If a neighbor’s yard can be a mess, give its kids $10 to select up the particular yard. Spend $20 to put flowers within any common-areas, and buyers can have a far better first impression belonging to the neighborhood.

A FEW. If an individual or your own agent usually are not getting countless calls, look at something fresh. Is far more advertising needed? Is the worth too high? If price will be problem, fall it rapidly. That great buyer might pass on by as the the home remains over-priced.

HALF A DOZEN. Listen to help prospects. They’ll be more objective as compared to you. Should you hear many times that this kitchen is usually dark, get out the light paint.

SEVEN. Find the majority of sales time for ones area. If your house is actually taking longer than average to sell, there’s problems, and usually it’s the price.

SEVEN. Ask your real estate agent what your lover plans to complete – when you sign any listing contract. Write down what she says, as well as hold the woman’s to your ex promises.

ON THE LOOKOUT FOR. If you’ll find known problems, such being an old covering, get a good estimate with regard to repairs. The sellers might want a $7, 000 allowance to get a new top – until finally you suggest to them your $4, 000 appraisal.

10. Do improvements which could realisically ensure you get at lowest a two-to-one return. If $300 to be able to seal the particular driveway probably will Rapid Income Creator add $600 towards the sales price of the property, do that. Always think about first those things that will be most accessible.

There are many things can be done to sell your property faster, and have a Tacfit Commando Torrent better price. Focus on the ones that could get Zero Cost Commissions Warrior Forum the best “bang to your buck. ” Also, read and also USE great advice in selling a building.

Realty Investing

Friday, January 28th, 2011

You must have arrive across a fantastic deal of wealthy folks in your existence who’ve actually become rich through real estate.

So if you’ve got got actually acquired inspiration from them, then permit me tell you something. Real estate can actually make a person rich but at the same time, you need to bear in mind the fact that when recession hit the planet, real estate increase fell down.
But nonetheless you don’t must fear simply since things have completely started changing in a drastic way. Now that the recession is practically over, the boom for real estate is again increasing.

It could be the extremely best business if you will be ready to really realize when a genuine alter happens in the rates of land or property. By understanding this process of periodic rise and drop, you’ll be ready to definitely make money.

Are you wondering how? Fine, then let me explain that to you. When prices fall drastically, you need to buy properties everywhere. And what you most likely must do is, wait with your fingers crossed for the correct time to market the property. Following a specific period of time, costs are bound to increase and that will probably be the time, you truly must dispose of all that you’ve bought.
Imagine the quantity of money you’ll make with the heavy margins on land. This may possibly be the reason why many individuals really actually like the business of Carolina One Real Estate. You don’t must do anything. It is only putting money and gaining money.

But at the same time, enable me tell you something. It’s not as basic since it appears. You may find tons of risks and also wrong decisions in this business and if you actually go a step in the wrong direction, you lose money.
This may be the reason why you must be very careful when taking a decision in the business of realty.

Major things to keep in mind when buying an exquisite condos

Friday, January 28th, 2011

When you’re looking to purchase condos, it is something that is very important that you correctly check up on all the facilities that are offered in the house and you have to do your checking really well and protect against any type of error and loss that you may have to suffer. However there are a lot of things that you need to bear in mind before you must go and check on the condo that you want to purchase.

One of the first and major things that you ought to remember is what the state of the electric fixtures of the home you are looking at is. In addition to that, it’s also wise to test out what is the condition of the air conditioning and the heating units that are there in the condo that you’re looking at. It isn’t really complicated and the best thing is that you ought to try and use the oven and the heater or the air conditioning such that you are able to see how they are functioning. Turning the machines up on full will ensure that you will be able to find any sort of error if there is any at all. This is going to allow you to deal with all of the problems if there are any with the condo properties you have short listed and make sure that you keep them back as they were.

Since you are going to be staying there, you should also make sure that the plumbing of the entire home that you are inspecting is functioning. This can be done simply when you are going from one room to the other and check on the taps that are there in each individual room and ensure that you have the required pressure and the drainage is good and sufficient according to you. If you find that the condo plumbing has pressure that’s definitely not sufficient and is somewhat sluggish, you’ll be able to say that the plumbing is very little use in the condos. Along with that, ensure that you turn the lighting on, in all of the rooms that you examine and you should also carry your own light bulb that can act as a kind of a tester whereby you can plug it into the sockets that are available for you in the homes. Make certain you check the electricity connections available in the kitchen and the bathroom which are really close to the water. There are chances that there might be a few errors in the condos electrical circuitry and if you’re not sure then don’t go ahead and buy.

The walls and the ceilings are among the most crucial things however that you must test out as they are the most crucial frame works of your house. Make sure that you should check on the issue of leakages as well as the patches which may be present on the walls of the property because if they aren’t truly fixed or noticed instantly, can lead to long term loss as well as damage in the condominiums. Aside from that, make certain you remember to do the tilt test on the floor to make sure that the leveling off the floor is done the right way.

Other than that, ensure that you do a lot of checking for yourself because this would make certain you are current with all of the happenings and the situations with regards to costs and what exactly is the kind of features and services that you can look out for from the side of the owner of the condo you want to buy from.