Archive for March, 2011

How Does A Biweekly Mortgage Program Work?

Tuesday, March 29th, 2011

How does a biweekly mortgage program work?  A biweekly mortgage program not as hard as you may think.  In truth a biweekly mortgage program is truly very simple – a lot individuals simply make their month-to-month home loan installments few weeks soon after few weeks, 12 months right after twelve months, right up until their residence is paid off.

If we generate one fee each month or two how many funds are we crafting in a twelve months?  12 suitable!  Nicely, if we pay using a  biweekly mortgage loan plan, and there is 52 weeks in a year that signifies we’re basically producing 26 one half-payments, or the equivalent of repayments per calendar year.

So by paying with a biweekly mortgage program there’s an excess payment eacheach and everyand each yr that accumulates is put in direction of principle routinely for you, and this is wherever the wonder happens! Once you automate and commit to beginning this now and staying on monitor till your house is paid totally free and clear – the biweekly mortgage loan program basically moves on autopilot ensuring you fail safe success!  Consider which, having no property installments and conserving up to 6, 8 or much more many years of your mortgage loan cost and till tens of countless numbers of dollars in curiosity repayments alone.

The great matter with a biweekly mortgage program is that is intended to be be concerned no cost! When you set it up it is virtually on auto pilot. You do not even possess to wonder if your payments are becoming utilized properly, which is a big advantage of a 3rd party administering a biweekly home loan plan. With our plan our mortgage can be periodically audited to make sure suitable principle software and reduction. My spouse and I individually possess our mortgage loan set up on this biweekly plan and the purchaser program is outstanding!

This is this kind of a effective idea which a biweekly mortgage has been talked about or endorsed by a lot of magazines and newspapers such as Forbes, Cash Magazine, The New York Times, Consumer Reports, and The Los Angeles Times. Thebiweekly mortgage programhas additionally been touted on the Oprah Winfrey Showand  by David Bach on ABC and CBS News.

Moving to Macon, GA

Tuesday, March 29th, 2011

Macon is one of Georgia’s 3 Fall Line Cities, along with Columbus and Augusta . The Fall Line is where the hilly lands of the Piedmont plateau meet the flat lands of the coastal plain. As such, Macon has a varied landscape of rolling hills on the north side and flat plains on the south. The fall line causes rivers in the area to decline rapidly towards sea level, making it the perfect location for textile mills in the past. The Ocmulgee River is the major river that runs through Macon.

Macon is located at 32°50′05″N 83°39′06″W / 32.834839°N 83.651672°W / 32.834839; -83.651672 (32.834839, -83.651672). 

According to the United States Census Bureau, the city has a total area of 56.3 square miles (145.7 km2), of which, 55.8 square miles (144.5 km2) of it is land and 0.5 square miles (1.2 km2) of it (0.82%) is water.

Macon is approximately 901 feet (116 m) above sea leve

Climate

Macon has a humid, subtropical climate. Summer temperatures generally peak in the mid-90 °F (32 °C)s, and the winters have lows in the mid-30 °F (−1 °C)s. The city has an typical annual precipitation of 45 inches (1,100 mm)

Macon is the largest principal city of the Macon-Warner Robins-Fort Valley CSA, a Combined Statistical Area that includes the Macon metropolitan area (Bibb, Crawford, Jones, Monroe, and Twiggs counties), the Warner Robins metropolitan area (Houston County), and the Fort Valley micropolitan area (Peach County), which had a combined population of 346,801 at the 2000 census.

According to the official census of 2000, there were 100,005 people, 38,444 households, and 24,219 families living in the city. The population density was 1,742.8 people per square mile (672.9/km2). There were 44,341 housing units at an average density of 794.6/sq mi (306.8/km2). The racial makeup of the city was 62.45% African American, 35.46% White, 0.19% Native American, 0.65 Asian, 0.03% Pacific Islander, 0.46% from other races, and 0.77% from two or more races. Latino or Hispanic of any race were 1.20% of the population.

There were 38,444 households out of which 30.1% had children under the age of 18 living with them, 33.0% were married couples living together, 25.7% had a female householder with no husband present, and 37.0% were non-families. 31.7% of all households were made up of individuals and 12.1% had someone living alone who was 65 years of age or older. The typical household size was 2.44 and the average family size was 3.08.

In the city the population was spread out with 26.9% under the age of 18, 11.3% from 18 to 24, 27.5% from 25 to 44, 20.0% from 45 to 64, and 14.3% who were 65 years of age or older. The average age was 34 years. For every 100 females there were 79.7 men . For every 100 females age 18 and over, there were 72.8 males.

Free Relocation Packages for Macon, GA

Can’t Sell Your Property? Swap It!

Tuesday, March 29th, 2011

A house swap is one of the creative ways homeowners can do when they are seeking to sell Real Estate in Buford GA or had no luck in selling their properties in today’s distressed economy. Home exchange agreement could either be temporary swaps which is solely intended for vacation, or permanent swaps which involves two parties seeking to exchange homes. While the former is normally arranged for free, the latter requires time commitment, additional fees for lawyers, and can be a little risky.

An actual house swap for the purpose of a sale can be tough and lengthy, but if you are interested in house swapping, here’s how to house swap:

1. Search for reputable swapping websites who have been doing this kind of practice for quite sometime. More often than not, these companies have their own real estate agents who can facilitate all the questions and negotiate the deals with interested parties. After finding one good and trusted company, register and fill in all necessary information.

2. Just like any other traditional real estate transaction, browse all the listings and find the one you’d like to stay for your vacation or the one that matches your dream house in Tooele Homes for Sale if it’s a permanent swap.

3. Research about the home and to make sure, contact the homeowner to give you all the important information like neighborhood details, major appliances, or other information you’d like to know.

4. Make sure that you have an attorney with you who is knowledgeable in house swapping intended for sale. Hire a services from a middle man to make sure that the transaction will go smoothly. The house swap might get a little complicated if you’re trading a home, hire an agent if you don’t want to process the trade yourself. Schedule an inspection to the home you want to swap in.

A house swap is a good alternative to buying Southern Utah Homes. There are several websites offering this kind of service although it sounds unconventional even for a vacation. A house swap is the best alternative for some individuals who are not really comfortable with renting a hotel. For those who can’t afford to buy a home, a house swap is a convenient method.

Purchasing the Best Condo

Tuesday, March 29th, 2011

When you are going to buy new condominiums, it is something that one need to remember that these are simply like purchasing any house and all the payments that one might make when they are purchasing a house, has to be made when they’re buying a condominium and so it is really important that one must have a good knowledge of what is the way the market works as well as how they are able to work to be able to cut costs on purchasing their new condo. You have to be pretty well aware of what are the market particulars as well as the types of factors that influence the price are. This will enable you to find the best deal when you wish to buy a condominium.

We always will go for financing our brand new condo and one of the very first things that you need to check on when you get your new condo is the lowest rates that are being given to you and the cheapest possible closing price that’s given to you. You should try to find the absolute best price you can by looking around. Don’t forget, there is a lot of money involved, so take your time. If you’re not familiar with the market, it may be a good idea to get some assistance through a new buyer program. You need to know all about down payments as well as the various other payments associated with buying condominiums. This is going to ensure that you will save lots of money.

Once you know all that you need about the financial aspects, you have to find out the particulars of the condo locality. The condominiums that are available also do not provide you with complete ownership of the plot and it’s reserved for only some of the place which is within the internal margins of the walls that you’re living in. Also, you need to find out exactly what the maintenance and repair costs for the whole complex are going to be, since you will need to pay part of this. If the condo that you want to buy is new, then check on what is the amount of money that you will be needed to deposit at the beginning. You have to find out exactly what the regulations for this kind of payment are. Oftentimes if you don’t pay the amount of money that’s asked, your money will be forfeited and you will lose the condo. For this reason you need to be well aware of their finances before making a purchase in this regard.

However, before anything else, when you want to purchase condos you need to check on both their state of repair and age. Check on the dates in which the condo was constructed and if and when it had been remodeled in any way whatsoever. This is very important when it comes to buying condominiums because the deals that are offered to you depends upon this kind of age of the condominium concerned. When the condominium is in a state of construction, one will find that they are able to save up on a lot of money to the tune of a third of the total payment. In many cases developers charge a lot more when a condo has been remodeled. 

 

Insider Tip Number 15, Part B: Protect Your Northern VA House from Creditors, Judgements and IRS Liens

Monday, March 28th, 2011

In my last Fairfax VA blog post, I told you the difference between LLC and LP entity ownership and  joint tenancy, tenants in Common, tenants in the entirety.

In Part B of Insider Secret Number 15, you will learn about:

c.) Trusts:  Grantor vs. Non-grantor.  Which offers asset protection and which one offers tax avoidance?

Defer or avoid Estate Taxes. Protect your Asset and your Heirs:
Two Types of Trusts.

Estate taxes can be rather disappointing to many Fairfax VA homeowners, specially when they have built up even a moderately sizable estate.  These taxes can reach as much as 50%, or more, of a person’s estate.

When putting your Fairfax VA home in a trust, you need to understand that there are two popular kinds of trusts and many other minor kinds. They are the Grantor Trust for estate planning and the Non-Grantor trust — which also aids with warding off lawsuits.

This is an area where you should talk to an estate planning attorney for better comprehension of the many benefits, as well as the difference of each type of trust.

These trusts aren’t that much money.  Some of them cost anywhere from only a few hundred dollars, up to a couple of thousand for an entire package of not only a trust, but the entire foundation of an estate plan.  It’s extremely reasonable.

The Grantor Trust: This trust is made to help you bypass thousands of dollars in Fairfax VA estate taxes.  And it also helps you bypass the lengthy legal probate process, which can take many, many months — and also cost thousands in legal and court expenses connected with it.

The Grantor trust also provides the flexibility of having the right to remove the Fairfax VA property from the Trust in the future if you should ever want to. So it has many flexible benefits and is very inexpensive.

The Non-Grantor Trust:This trust has somesimilar advantages, but also offers asset protection components that are not found in the Grantor Trust.

When a Northern VA property is placed in a Non-Grantor Trust, it can not be removed from this Entity – and this is partially the reason for the added advantage of lender and law suit asset protection.

Since you no longer, ‘technically,’ own the Fairfax VA property anymore, you are not the person, who would be associated with a controlling interest to that wealth – even though you or your heirs may be involved with some, or all, of its benefits and wealth-producing capabilities

Anyone, who doesn’t have their Fairfax VA home in a trust, with even a modest amount of equity in a property, really needs to look into it because of the many legal benefits.   The ‘cost to benefit ratio’ is incredibly advantageous.

You can learn more about how we are currently using Insider Strategies learned from my Real Estate Radio show to save Fairfax VA homebuyers tens thousands of dollars on their home purchase and financing everyday right here in Northern Virginia, just check out my free Live online webinar, at  www.HomebuyerInsideSecrets.com, that’s http://www.homebuyerinsidesecrets.com.

You can also get all of these insider techniques applied to your personal Fairfax VA home for sale purchase with our Free ‘Insiders Access Homebuyer Savings Program’ and get a minimum guaranteed savings of $25,000 or more. And the best part is we guarantee you save at least $25,000 or more with my exclusive strategies, plus the service is no cost to you. Go to www.NovaHomeSavings.comand find out why even other Realtors and mortgage lenders actually use me as their buyer broker on their own personal home buying transactions, instead of relying on themselves, that’s www.NovaHomeSavings.com. 

Thanks for reading this,

Thierry

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.

Pension Partnership with a Sep IRA

Monday, March 28th, 2011

Sep IRA is a Simplified Employee Pension Individual Retirement Account, and derived its name based on the fact that it really is simple. The purpose of the Sep IRA is to provide an IRA that functions in a similar manner to a pension for use by small business employers and self-employed workers. It’s flexible enough that it could be rolled over into another kind of IRA if employment changes or the owner becomes eligible for an alternate plan. Because it is structured primarily for the small business, the administrative costs of the Sep IRA are low , and for the self-employed there are generally no costs related to administration of the account . There is one important requirement of the Sep IRA in regard to the benefits: a business with employees must provide the exact benefits to all employees. To qualify for the Sep IRA under employee participation, that employee must be over 21 years old and been employed for three of the last five years, earning a minimum of $450 of wages in the previous year. In a Sep IRA, the employer makes contributions to the account out of the employee’s earnings, up to 25% of the employee’s total income. The portion of the employee’s earnings deposited into the Sep IRA can save on taxes and is deductible. For the self-employed person, the contribution ceiling is 20% of earnings and the maximum yearly limit is approximately 18.6% of the net profit as calculated on his self-employed worker tax form. Distributions from a Sep IRA mirror those from a Traditional IRA. Disbursements are taxed at the current tax rate at the time the withdrawal occurs and subject to a fine if withdrawals are taken prior to age 59 ½. Distributions from the account are required to begin by age 70 ½.  For the small business that wants to have a retirement plan for employees but does not have the resources to fund a conventional plan, the Sep IRA  provides a retirement safety net for the business and its workers .

How to prevent overheating in offices and commercial buildings.

Monday, March 28th, 2011

Solar energy can have a detrimental effect in many workplaces, whether that is in offices, warehouses or other commercial buildings. The common complaint of overheating and solar glare can make working environments extremely uncomfortable to be in, consequently leading to unhealthy (and unhappy) employees.
Offices and other places of work can get so hot there is a deleterious effect on the ability of employees to concentrate. Many people also complain of dizziness, fainting and even heat cramps as a result of overbearing temperatures.

Whilst the World Health Organisation (WHO) recommends 24 degrees Celsius as a maximum for comfortable working, Safety law does not set a legal limit for workplace temperature. And despite the WHO regarding anything above 26 degrees Celsius as “definitely unacceptable”, many employees continue to suffer with overheating and solar glare as a result of inadequate countermeasures.

Now there is an effective solution: window tinting for offices and other commercail buildings. This can reduce solar heat gain by up to 75%, and also reduce glare by up to 85%. In offices where employees are expected to concentrate for long periods of time, reducing indoor heat is essential if acceptable levels of productivity are to be maintained. With the widespread use of computers, reducing glare on Visual Display Units (VDUs) has never been more important. This solution can effectively remove these two problems.
Applying solar film to glass can also minimise UV (Ultra Violet) radiation whilst maintaining natural light – yet another significant benefit!

The problems associated with solar energy are generally more prominent in offices and commercial premises that have been built more recently. These new buildings tend to contain a great deal of glass and feature more complex designs, making solar energy even more difficult to combat. The problem is exacerbated further since UK offices rarely have air conditioning installed.

Window film also provides other practical benefits, such as increased security. Many “combination” window films offer both solar protection and security benefits, thereby helping to reduce the threat of burglary. The perfect solution is security window film which offers increased glass protection (ideal for preventing smashed glass), or may act as a deterrent by hiding equipment from view.
But one must not forget the aesthetic benefits of this product. It can improve the appearance of office exteriors and completely transform glass facades, so much so that once completed, a building may look completely regenerated.

With a significant reduction in heat coupled with the additional benefit of anti-glare properties, solar film is fast becoming the product of choice for offices and commercial properties wishing to combat overheating and solar glare. The product enhances the working environment by creating a more comfortable atmosphere for everyone.

Buying a Home in Celebration, FL

Monday, March 28th, 2011

Celebration, Florida is one of America’s most unique planned communities. Situated in sunny Osceola County, construction for this town began in 1994, and today envelopes just under eleven square miles. And while planned communities are certainly nothing new in America, this one maintains an incredible distinction. You see, the aptly-named town of Celebration, Florida is a master planned community of the Disney Corporation!

With its stellar climate and perfect location for accessing Florida’s family fun parks, Celebration has proven to be a popular place to live. The town currently has a population of approximately 2,736 residents today, with a average age of thirty-six years old. The single largest employment sector here is professional and managerial services, with just under fifty seven percent of Celebration‘s residents employed in that capacity. Over twenty percent of residents are employed in the service industry, while just over twelve percent of residents work in the sales. The median household income within Celebration is well above the national average, coming in at around $74,231 per year.

The Celebration master plan has certainlyassisted in the progress of its residents’ employment. The Celebration Boulevard Corporate Community sits just off of Interstate 4, and is home to a number of commercial buildings in different stages of construction. Upon completion, the commercial complex will total over one hundred acres of buildings, with some 1.8 million square feet of office space. In order to easily meld this corporate space with the town’s residential space, the office buildings are planned to be architecturally significant contributions to Celebration. The first phase of development was in fact designed by the renowned architect Aldo Rossi, who is the 1990 Pritzker Architecture Prize Laureate. Rossi’s cornerstone development will set the overall tone for the corporate complex.

While there is an array of housing styles presented in this area, over sixty five percent of homes in are single-family detached style. It is worth noting that, in this planned community, the average age of housing is a mere three years old. Home ownership, as compared to renting, is a popular trend with residents here, and approximately two-thirds of residents own their own homes in Celebration. The most popular option for buyers in this community is a four-bedroom model. Recent sales figures indicate that the average purchase price of a home in Celebration is currently $473,200.

 

Going Green With Solar Water Heaters In A Weekend DYI Project

Monday, March 28th, 2011

When people hear the expression “solar power” they usually picture using the sun to producefree electricity for their house with solar panels. While this is without doubt the most widespread application of solar power, the sun can additionally be used to heat the water you use in your home for cooking and cleaning. This type of solar use is labeled solar thermal and can save you hundreds of dollars each year on your electricity expenses. There is a way that you can build your own solar water heater.

 

A website named Simpleheaters.com can has solar water heater plans that show present to you how to construct one of these homemade solar water heatersfor your house for under $100 that uses solar thermal power to heat your water. The best part about making one of these systems from scratch is that it makes use of exceptionally ordinary components and is extremely simple to run. By applying the plans present on the Simpleheaters.com website you can build one of these solar thermal water heaters and slash your energy costs substantially.

 

 

The way the solar heaters function is by applying the thermal energy in sunlight to heat the water utilized in your house. While these solar heaters do not typically heat up every bit of the water you consume, they can lessen the amount of work your conventional hot water heater has to do by boosting the temperature of water that comes in it. By having this water already hot before it is heated by your conventional water heater, it uses significantly less power, which translates into hundreds of dollars a year in savings for the average residence.

 

The theory of a thermal water heater isn’t new and they have been used around the globe for decades. What the Simpleheaters.com website helps you do is better identify with how these thermal heaters operate and additionally offers the diagrams to make one for your house. The directions offered on the Simpleheaters.com were developed based on years of understanding in building these thermal heaters and will show you the simplest way to construct one by hand.

 

The other nice thing as regards to using one of these thermal heaters is that they function by using renewable power from the sun. This means that they create no contamination and are absolutely risk-free for any residence. Once set up in your home they can go on to make available substantial savings for decades from a small initial investment of time and money. You will not only be helping the planet, you will be saving money each month by constructing a solar heater with the instructions on the Simpleheaters.com website at the same time.

 

Besides the solar heater directions, the Simpleheaters.com site also presents a broad range of information on additional priceless alternative energy solutions such as solar power and wind power. Both of these solutions are a magnificent addition to your solar water heater and can save you even more money each month on your power costs. each one of these systems are simple to fabricate for the average homeowner and don’t require any special tools or knowledge to finish.By making use of the plans on the Simpleheaters.com website you can complete any of these projects over a weekend and appreciate the energy they supply for years to come.

 

All of the manuals on hand on the Simpleheaters.com website come with a full 60-day guarantee, which allows you to request a refund of your purchase price for any reason.While this gives even more peace of mind, these manuals are jam-packed with really priceless knowledge and you’re guaranteed to be thrilled with your purchase.

 

© copyright 2010 MyDIYGreenEnergy.com

US Treasury Offers Oregon An additional $50 million for Foreclosure Prevention Assistance

Sunday, March 27th, 2011

US Treasury Provides Oregon One more fifty million for Foreclosure Prevention Help

The United States Department of Treasury released Friday, Aug. 11 that Oregon could acquire another fifty million in Hardest Hit funding for foreclosure prevention activities.
 
On Aug. 4, Treasury approved Oregon’s programs for 4 new foreclosure prevention software programs using the initial $88 million. OHCS is functioning with Treasury on how to very best allocate the extra $50 million.
 
This really is an critical step in having aid to Oregon house owners who face losing their homes as a result of the current recession.

    oregon mortgage help is available through either the Oregon foreclosure prevention program or by OHCS mortgage help

OHCS should expect to have the applications up and running through the end of 2010.
 
About the Plans
Oregon may receive $88 million to assist households prevent foreclosure and stay in their houses. Oregon will offer you four programs:

    * Mortgage Modification Assistance could help home owners who’re around the verge of effectively modifying their present home loans but demand a tiny level of extra monetary means to do so.
    * Home owner loan Payment Support could aid economically distressed property owners pay their mortgage loans for up to one year.
    * Bank loan Preservation Help may provide financial methods that a home owner might need to modify a bank loan, pay arrearages, or obvious additional sizeable fiscal penalties following a period of time of unemployment or loss of earnings.
    * Transitional Help will probably help property owners who do not regain employment during the period of time of Mortgage Payment Help using the methods needed to move to affordable, most likely rental, houses.

 
OHCS will probably continue to operate with Treasury to produce a fifth software that will provide further support and alternatives for Oregon people challenging hit by declining house values in Jackson and Deschutes counties.

property owners that was submitted towards the U.S. Treasury.
What are the following steps?
OHCS now begins the tough work of implementing 4 new software programs. The department has hired
an administrator for the software programs and will probably quickly bring on other core team members. The objective is
to possess applications operating by Dec of this yr or in January 2011.
How soon will probably money be available?
OHCS intends to have the software programs up and operating within the subsequent 4 to five months (December
or January).<br>

What sort of aid may I get?
The Oregon Homeownership Stabilization Initiative has four plans. Some recipients might
are entitled for and make use of more than 1:
· Home loan Modification Help can aid home owners who’re on the verge of
effectively modifying their existing mortgage loans but demand a tiny quantity of extra
monetary methods to accomplish so.
· House loan Payment Help will aid economically distressed property owners shell out their
mortgages for as much as a single yr.
· Loan Preservation Aid may offer economic methods a owner of a house could need
to modify a mortgage loan, shell out arrearages, or clear additional substantial fiscal penalties following a
time period of unemployment or loss of earnings.
· Transitional Help will aid property owners who do not regain employment throughout
the period of time of Home loan Payment Help using the assets they need to move to
affordable, almost certainly rental, properties.
Continued –
I thought that one particular of the software programs would likely assist underwater borrowers. What happened to
that program?
The US Department of Treasury did not approve Oregon’s proposed Mortgage loan Re-financing program.
OHCS plans to carry on functioning with Treasury to develop a system that responds for the demands
of property owners in counties experiencing dramatic declines in property values. OHCS still ideas
to partner with organizations that may buy upside down residence lending options and re-finance the
mortgages.
Who’s getting aid from this fund?
House owners who meet the criteria for each system could are eligible for funding even though the finances
lastAlthough you’ll find other qualifications to be
considered, the 2 main ones are:
· Men and women who live in their individual single-family real estate and own no second houses or rental
attributes.
· Men and women with incomes at or below 120 pct of state median income.
Is this a statewide program?
Yes. The U.S. Treasury gave states receiving the money flexibility in exactly how the money should be
allocated. The substantial majority with the assets ought to go to counties most affected by the
housing crisis (these are: Clackamas, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Grant,
Harney, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Linn, Marion, Multnomah,
Wallowa and Yamhill). OHCS can target 80 pct of the funds to these twenty counties, which are
home to 73 pct of Oregon’s population. The rest (20 pct of resources) can go to individuals
living inside remaining 16 counties.