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Interior Design Ideas for Small Bathrooms

Interior Design Ideas for Small Bathrooms

Small bathroom spaces can often seem like quite a difficult task to take on, however these spaces can often create a clever design challenge. Creating a functional, storage friendly small bathroom might be just what your home needs, and by spending the right amount of time designing and planning your small bathroom, it’s easy to create a space where each design element has a purpose, and is functional to create a sanctuary that’s space-saver friendly. Stuck for design ideas when it comes to your small bathroom? Read on for some handy hints and tips that you might find useful. Add Storage Rather than using large, bulky storage furniture, use open shelving to showcase colourful and textured towels. This will eliminate unwanted large pieces of furniture, and adds warmth and colour to your space. Floating shelves can be stacked in order to add storage that looks fashionable, whilst colourful storage ladders are a great way to show personality, and provide a great space in which containers can be stored. Sink skirts are also a good option for small bathrooms as they add flair and can be used to conveniently hide away cleaning products. Be Functional When it comes to small bathroom spaces, functionality is key. Smaller rooms can easily lead to unwanted clutter, so it’s vital to ensure that you... Read Full Story


Latest from Rikk Miller, Financial Writer

Rick is a financial writer. He is associated with several financial communities.
His expertise is woven around various aspects of the real estate industry. He is a financial writer who excels in writing finance articles.

Get Property Management Company Offer Advertising Service Effective for Your

Get Property Management Company Offer Advertising Service Effective for Your
By: Rickk Miller, August 25, 2015

Owning rental property can be a steady source of passive income. However, the joys of property ownership also comes with a great deal of responsibility and the potential for an even greater headache when tenants are involved. Working with a property management company can help those who own commercial, singe family residential, multi-family, or retail space reap the benefits of leasing their property to tenants with minimal headache. The following points are reasons virtually any property owner who wishes to become a landlord should consider using a property management company. Shorter Vacancy Periods People who purchase rental property often do not realize the amount of concentrated effort that is required for success. First, the landlord must prepare the property to make it attractive to prospective tenants and maximize the amount of rent they can realistically ask. The landlord must also determine the best rent rate. Ideally, the rent should not be so high that the property will sit on the market until a tenant who is willing to pay the requested amount comes along. The price should also not be so low that the landlord loses money on the investment. Property management companies are able to make cosmetic recommendations to improve the appeal and value of a property. They also typically handle pricing, marketing the property, and showing it to prospective tenants. Better Tenants A reputable property management company will offer property advertising service and an effective tenant screening process. By screening tenants thoroughly upfront, landlords are more likely to rent their property to people who will pay on time, are less likely to destroy or cause excessive wear and tear on the property, and who will generally rent... Read Full Blog Post

Does the housing market still bear scars of the Recession or is it on the path of recovery?

Does the housing market still bear scars of the Recession or is it on the path of recovery?
By: Rickk Miller, July 30, 2015

It has been a very odd year for the US housing market! The year started off with the Polar Vortex that was blamed for slowing down home sales during the initial part of the year. As we’re gradually nearing 2016, the National Association of Realtors expect sales of previously owned home to fall short of 2015, while according to the latest data, sales of new home show an improvement of just 2.8%. We all know that the housing market and the ups and downs have a direct impact in the mortgage market as well. Whenever there’s a positive improvement in the housing market, there has to be a noteworthy development in the mortgage market too as people usually tends to take out more mortgages when they get favorable conditions to purchase their dream home. The recession might be over years ago but the scars are still remaining in the housing market. Take for instance the homeownership rate. In the year 2005, the homeownership rate in America was around 70% and today it stands at 64%, the lowest level that this nation has seen since 1994. However, the good news for sellers is that the demand for homes is again back and the prices of homes are continuing to rise. But for the homebuyers, especially the first time homebuyers, inflating price tags are not a positive change. Apart from rising prices, the issues of rapidly rising rent, sluggish growth in wages and huge amounts of student loans are coming in the way of American Dream. Housing predictions for 2015 now that we’re halfway through the year At the beginning of the year 2015, there have been so many predictions but... Read Full Blog Post

Americans are still struggling with mortgage debt – Tips to pay off your mortgage earlier

Americans are still struggling with mortgage debt – Tips to pay off your mortgage earlier
By: Rickk Miller, July 29, 2015

Reports say that there are certain homeowners who are still reeling from the after-effects of the Great Recession and it may take around a decade for them to recover. According to a real estate company Zillow, the percentage of underwater mortgages, where the worth of the home is lower than the mortgage, has been seen to drop with the recovery of the housing market but more than 5 million US homeowners owe to their banks at least 20% more than the worth of their homes, which totals to $579 billion in the form of negative equity. Homeowners have reportedly said that remaining underwater would likely be the toughest to set themselves free from negative equity. On the other hand, the rate of underwater homeowners is way much higher among the homes that carry the least value and this has been noticed by using data from credit bureau, TransUnion. In Atlanta, 46% of the low-end homeowners were all underwater as compared to 10% of the high-end borrowing homeowners. In Baltimore, 42% of the low-end homeowners had negative equity as compared to a small 9% of those who owned houses of higher value. Then what’s the good news? You must be wondering about the good news among all this negative news of the US housing industry. It has been seen that there were 15 million homes with underwater mortgages during the peak moment of the housing crisis. However, this negative equity rate dropped down to 15.4% of all homes with mortgage loans in the first quarter, that was down from the rate of 18.8% during the same period last year. Hence, it is being seen that the rate of negative equity... Read Full Blog Post

Get Loan Even With Bad Credit

Get Loan Even With Bad Credit
By: Rickk Miller, July 26, 2015

Financial problems are sudden and definitely unfortunate. This is the main reason why people feel the need to take necessary precautions before it is too late. This precaution is to have the necessary amount of savings so that you have the required back up in case of any emergency. Thanks to the various financial institutions, they come handy in helping us come out of our financial crisis because sometimes savings is not good enough to salvage the situation. These are the times when you need to take the help of financial institutions in order to avail for a loan. The other major problem that people face is the fear of getting their loan request rejected. The reason for that being their bad credit score. Bad credit scores have a major negative impact on your credit history leading to the inability to avail loans in the future. Bad credit score already implies that lenders are viewing you as a high risk customer. However, this does not mean that there is no silver lining behind the dark clouds. There is still scope for you to avail loan, in case you are unaware of what they are, then allow us to inform you about the same. Use the Home Equity Line of Credit – It is because of the housing bubble that many homeowners actually owe more than what their home was actually worth. The only way you can do something good in this situation is when you have a home equity against your property. The best form of equity that you can have for your home would be a low interest and tax deductible line of credit that will allow you... Read Full Blog Post

Which Mortgage Down Payment Option Is Right For You?

Which Mortgage Down Payment Option Is Right For You?
By: Rickk Miller, July 10, 2015

Before you can decide which mortgages for first time home buyers are right for you, you must first learn what your different mortgage down payment options are. With so many different sources of funding available, purchasing a home has never been easier. A down payment is defined as the percentage of a home’s purchase price that you must provide yourself. The balance is supplemented by a financial institution or private lender in the form of a mortgage. The monetary amount of your down payment, which represents the amount of initial equity you have in your home, should be determined before you begin shopping for homes. The Conventional Mortgage A conventional mortgage requires you to provide a minimum down payment of 20% and is available in either variable interest rate or fixed interest rate options. Because conventional mortgages do not have to be insured against default, they have the lowest carrying costs. The Low Down Payment Insured Mortgage Most Canadian lenders now offer insured mortgages for first time home buyers, which have lower down payment requirements. The requirement may be as low as 5%; however, this type of mortgage must be insured to cover the possibility of defaulting on payments. Their carrying cost are considerably higher when compared to conventional mortgages because their cost includes insurance premiums. How an RRSP Can Be Used as a Down Payment The federal government offers a Home Buyer’s Plan for first time home buyers in which they are eligible to utilize up to $25,000.00 per person in RRSP savings as a down payment on a home. Withdrawing these funds is not taxable so long as it is repaid within a 15 year time period.... Read Full Blog Post


Latest from Mark Healey

Mark is a content development specialist who enjoys researching and writing about various topics. He is passionate about the digital space and is involved with promoting and distributing beneficial content throughout internet communities.

Moving is Expensive: Here are 5 Tricks to Cut Costs

Moving is Expensive: Here are 5 Tricks to Cut Costs
By: Mark Healey, August 11, 2015

Everybody knows that moving is one of the most stressful events in a person’s life. Changing environments, a new office, and the process of packing could make any one go crazy; and that’s without looking at the financial impact of a big move. Use the following tips to reduce the fiscal burden of your next move. DIY This is the first and most obvious way to move without overspending. Find a quality truck rental company and move all of your belongings yourself. If you are staying in town then use pizza and beverages to inspire your friends to help you move. The cost of a nice lunch for your friends will be significantly less then hiring a mover. Make sure to choose a group of friends that you trust though. A careless friend could break something important or expensive without the means to reimburse you. You should also be aware of your liability if anyone is hurt on your property helping you move your stuff. This is the cheapest option; but tread carefully. If the move is sloppy and your walls get dinged up with dollies and boxes, you will need to hire a One Day Painter to get the house back in shape for it’s next inhabitants. Go local Some times doing it yourself with a move is just not possible. Some objects are hard to move like pianos and pool tables and require professional help. The best thing to do in this circumstance is go local. Hire a Professional Mover to help execute the move without damaging your belongings or property. Cut costs by buying the boxes and having everything ready to load when the movers arrive!... Read Full Blog Post

Moving Safety 101

Moving Safety 101
By: Mark Healey, June 19, 2015

Moving from one house to the next is one of the most exciting and stressful undertakings you will do in your lifetime. While there is obviously a lot to think about such as organization, timing and budget; one thing that is too commonly overlooked is safety. Safety is the most important aspect regarding moving, especially when heavy furniture and stairs are involved. If you choose not to hire a Massachusetts moving company use these tips to avoid adding stress or a hospital visit to your next move. Clear Pathways The fist step you should take to ensure no one is hurt during your move is to clear all walkways in and out of the house. When moving heavy furniture people often walk backwards and if they were to trip over anything it would be an absolute catastrophe. Remove all hazards from these walkways to ensure no furniture (or bones) get broken. It’s a good idea to call you’re a professional junk removal company prior to moving day to get as much junk out of the way as possible. Pack Smart While it may seem counter intuitive, the best way to pack is by putting larger, heavier items (such as books) in the smallest possible box. Instinct tells us to fit as much of these items as possible in one large box. The issue is that to many heavy items in one box could lead to muscle injuries for anyone helping you move. By placing lighter items in the biggest boxes and vice-versa you can keep all the boxes a similar, manageable, weight. Be Prepared This means have the right equipment for the task. A dolly is an invaluable asset... Read Full Blog Post

Interview: Local Agent Thoughts On Housing Market Downturns

Interview: Local Agent Thoughts On Housing Market Downturns
By: Mark Healey, June 4, 2014

We wanted to find out how real estate agents cope with market downturns or even seasonal market changes so we went out and interviewed a Realtor that has been in the business for quite a long time. Bill Gassett, a top Franklin Massachusetts real estate agent has been selling homes for nearly thirty years. He is a RE/MAX agent located out West of Boston that has been through both up and down markets and everything in between. We thought Bill would be the perfect candidate to answer some of our questions. What type of challenges do realty agents face during a recession or economic downturn? One of the things that is almost always affected in a recession is the real estate market. In most cases the real estate market follows what is going on in the economy. If the economy is rolling along the real estate market typically follows suit. Conversely the market will also be affected negatively is the economy is not performing well. Two things that can have a dramatic affect on the real estate markets performance are interest rates and the stock market. Both of these forces however can have varying effects on different types of buyers in the market. For example interest rates are more likely to have a greater impact on first time home buyers as a rate can really change a buyers purchasing power. The stock market on the other hand has a very powerful influence on those who are more wealthy and are heavily invested. Many luxury home buyers will be completely swayed whether to purchase a home based on how well their portfolio is performing. Each of these things of course... Read Full Blog Post

Moving Soon? Declutter Beforehand

Moving Soon? Declutter Beforehand
By: Mark Healey, May 9, 2014

Flicking on a light switch you notice a stack of month-old newspapers sitting in the living room corner surrounded by a pile of last week’s clothes, and that seven partially-full coffee mugs are haphazardly resting around the room, one nudge away from spilling their contents on the new carpet. Moving boxes are scattered around the area; some are full of random, dust-covered possessions that were tucked away in nooks and crannies for the last five years. You didn’t think moving would be this hard. You forgot how much junk you actually own, or why you even bought it in the first place. Sighing, it dawns on you that you wouldn’t be in this predicament if you de-cluttered the home first. The good news is you can now forewarn others about this calamity by giving them the following advice. The five minute clean up Once you’ve committed to moving, the best way to de-clutter, without taking up time from other tasks, is to start the process early. Begin cleaning up two weeks before you actually begin packing. Why start that early? Because you’re only going to spend five minutes a day de-cluttering specific parts of the house. It’s true that five minutes isn’t going to solve all of your problems, but it’s an excellent start. By taking those five minutes day after day, it’ll make a difference before you know it. But you have so much stuff to go through, where is the best place to start? Begin by creating a “no clutter zone,” by clearing everything away in a specific spot, be it a coffee table, kitchen counter or a three foot perimeter around your bed. Make a rule... Read Full Blog Post

10 Household Leaks You Can Prevent

10 Household Leaks You Can Prevent
By: Mark Healey, March 27, 2014

Nobody likes to hear the sound of a leaking faucet,  and USAA recently shared an article detailing the 10 most common leaks and what homeowners can do to address them.. 1. Washing Machines Since the clothes washer is the biggest leak hazard you have to make sure you place it in a room with a floor drain. This helps minimize damage if there is a flood if it is on the top floor near the bedrooms, and floods, everything below it will be soaked and destroyed. To be extra safe replace old hoses every five years,check the connections every year, and make sure that you know how to shut off the water to the washer.   2. Plumbing Systems A burst pipe is one of the costliest repairs a homeowner can face. It may run as much as $8,000!  Freezing and high water pressures can shorten the life of these pipes.  To be safe watch for spikes in your water bill, listen for pipes that ping or bang, and make sure your water pressure is 30-40 PSI. Check that your main pipes are buried deep enough that they will not freeze in the winter.Finally make sure that everyone knows where the main water shut off valve is. Insurance Institute for Business & Home Safety. 3. Toilets Toilets can flood your home 2 ways – a leaky supply line or an overflow. To prevent this check the supply lines yearly and make sure they are secure. If you happen to encounter a clog, lift the tank lid, close the flapper, lift the ball, and then turn off the supply line. This will prevent overflows.   4. Water Heaters Water heaters, which can... Read Full Blog Post


Home & Garden

Interior Design Ideas for Small Bathrooms

Interior Design Ideas for Small Bathrooms
By: Rickk Miller, August 25, 2015

Small bathroom spaces can often seem like quite a difficult task to take on, however these spaces can often create a clever design challenge. Creating a functional, storage friendly small bathroom might be just what your home needs, and by spending the right amount of time designing and planning your small bathroom, it’s easy to create a space where each design element has a purpose, and is functional to create a sanctuary that’s space-saver friendly. Stuck for design ideas when it comes to your small bathroom? Read on for some handy hints and tips that you might find useful. Add Storage Rather than using large, bulky storage furniture, use open shelving to showcase colourful and textured towels. This will eliminate unwanted large pieces of furniture, and adds warmth and colour to your space. Floating shelves can be stacked in order to add storage that looks fashionable, whilst colourful storage ladders are a great way to show personality, and provide a great space in which containers can be stored. Sink skirts are also a good option for small bathrooms as they add flair and can be used to conveniently hide away cleaning products. Be Functional When it comes to small bathroom spaces, functionality is key. Smaller rooms can easily lead to unwanted clutter, so it’s vital to ensure that you only add elements of design that are functional. When designing a small bathroom it’s always best to remember that ‘less is more’, and avoid adding any objects that don’t serve a purpose. Colours Once it’s time to start decorating, it’s important to take time to plan your colour palette. Certain colours can make a space look either smaller or larger,... Read Full Blog Post

Smart Security Devices that Will Make Your Life Easier in 2015

Smart Security Devices that Will Make Your Life Easier in 2015
By: Rickk Miller, August 25, 2015

Let’s face it, we live in a digital age, when almost everyone has a smartphone. Every year, more and more security products that can be controlled by your phone and other wireless devices hit the shelves. These smart security systems can be installed by locksmith services or by yourself, and used to make both your private life and business safer and easier. As you will see, some of these devices go far beyond regular security features like burglary prevention. Here are some of the stand out devices launched this year, which can make your lives a little easier. 1. Kwikset Kevo, powered by UniKey This well made and aesthetically pleasing lock does it all—you can keep track of who comes and goes via a simple app, grant access to anyone you choose and unlock the door, by simply touching your smartphone (no more fumbling for keys in the rain). You can also assign virtual keys temporarily or permanently, receive activity alerts on your Kevo app, and monitor ins and outs from distant locations. Should you forget to give your keys to a friend who should take care of your pet while you are on vacation – you will be able to unlock the door even from a thousand miles long distance, without calling a locksmith, damaging the lock, or paying money for the door unlock service. Additionally, should there be a technical glitch, Kevo can be opened with a regular key. 2. Chamberlain MyQ Garage It happens to all of us, we can never find that garage door remote control when we need it, but we always know where our phone is. This simple device allows you to open... Read Full Blog Post

3 Things to Consider When Trying to Find the Right Comox Neighborhood

3 Things to Consider When Trying to Find the Right Comox Neighborhood
By: Rickk Miller, August 24, 2015

The biggest decision that most people will make in their lifetime is in regards to the home they will buy. Taking the time to do a good bit of research will help to make this decision much easier on everyone involved. The first thing to consider when trying to find the right comox real estate for sale is which neighborhood you will buy in. There are a number of different neighborhoods in this area and finding the right one is no easy task. The following are a few things that have to be considered when trying to choose the right neighborhood in Comox. What Are The Schools Like? The first thing to consider when trying to find the right neighborhood is what the schools are like. Every parent wants to make sure that their child is getting the best education possible. By researching each of the schools that a neighborhood is zoned for, you will be able to figure out which one is the best fit for your particular needs. The more you are able to find out about the ratings that the schools are getting, the better equipped you will be to choose the best neighborhood. What Are the Sales in the Neighborhood Like? The next thing to look into when trying to find the right Comox neighborhood is what the home sales are like in the area. You should be able to go online and find out about the home sales for the past couple of years in a particular neighborhood. This will allow you to look into how much a home is going and how much you can stand to make should you sale in the... Read Full Blog Post

How to Find the Best Walk in Wet Room Companies

How to Find the Best Walk in Wet Room Companies
By: Rickk Miller, August 22, 2015

More and more people are considering installing a wet room in their home. This is because it has many advantages, as we will see. However, it is also a significant construction project, which means that you should spend some time looking for the best walk in wet room companies to help you complete the job. Let’s first look at some of the benefits of having a walk in wet room, however. Benefits of Walk in Wet Rooms There are a number of clear advantages to having a walk in wet room. These include: They are accessible to people with mobility issues. This includes the elderly who may not be in a wheelchair, but who are somewhat less stable. They are super stylish. So much so, in fact, that you may just want to spend all your time in there. Furthermore, they add value to your home, which means you may just see a significant return on investment. They are very easy to clean. No more messing about with complicated bath tubs, lines, showerheads and so on. How to Find the Best Walk in Wet Room Companies If you have decided that you want to have a walk in wet room installed in your home, it is vital that you ask a good quality, experienced company to do so for you. If you search on Google, you will be able to find a range of different companies in your local area. However, this does not mean that they are all good as well. Do spend some time on their website to look at their various services, portfolio of past jobs, customer services, guarantees and warranties and testimonials, however. Next, head... Read Full Blog Post

Tips on Working with a Brampton Real Estate Agent

Tips on Working with a Brampton Real Estate Agent
By: Rickk Miller, August 22, 2015

One of the most rewarding and stressful experiences that a person can have is buying a home. This process is usually a very complicated and confusing one for new buyers. The best way to remove this type of confusion is by working with a real estate agent who deals in houses for sale Brampton. Usually, there will be a number of different realtors in an area, which will require you to do a bit of research in order to find the right one. The following are a few things you need to remember when trying to work with real estate agents. Be On Time The first thing you have to remember when trying to work successfully with a real estate agent is being on time for all of your meetings. The realtor will usually have a very full schedule, which is why making them wait can be detrimental to the relationship you develop with them. The realtor will do all they can to be on time and would appreciate the same courtesy on your end. Taking the time to schedule meetings and being there on time is a vital part of getting the right results from this type of partnership. Get to Know the Realtors in the Area Before Choosing Another important thing you have to do when trying to get the right realtor hired is getting to know each of them. The more information you have on the realtors in your area, the better equipped you will be to get the right one hired. Usually, you will be able to find a number of reviews online that can help you to choose the right one for your particular... Read Full Blog Post





Money & Investment

Does the housing market still bear scars of the Recession or is it on the path of recovery?

Does the housing market still bear scars of the Recession or is it on the path of recovery?
By: Rickk Miller, July 30, 2015

It has been a very odd year for the US housing market! The year started off with the Polar Vortex that was blamed for slowing down home sales during the initial part of the year. As we’re gradually nearing 2016, the National Association of Realtors expect sales of previously owned home to fall short of 2015, while according to the latest data, sales of new home show an improvement of just 2.8%. We all know that the housing market and the ups and downs have a direct impact in the mortgage market as well. Whenever there’s a positive improvement in the housing market, there has to be a noteworthy development in the mortgage market too as people usually tends to take out more mortgages when they get favorable conditions to purchase their dream home. The recession might be over years ago but the scars are still remaining in the housing market. Take for instance the homeownership rate. In the year 2005, the homeownership rate in America was around 70% and today it stands at 64%, the lowest level that this nation has seen since 1994. However, the good news for sellers is that the demand for homes is again back and the prices of homes are continuing to rise. But for the homebuyers, especially the first time homebuyers, inflating price tags are not a positive change. Apart from rising prices, the issues of rapidly rising rent, sluggish growth in wages and huge amounts of student loans are coming in the way of American Dream. Housing predictions for 2015 now that we’re halfway through the year At the beginning of the year 2015, there have been so many predictions but... Read Full Blog Post

Americans are still struggling with mortgage debt – Tips to pay off your mortgage earlier

Americans are still struggling with mortgage debt – Tips to pay off your mortgage earlier
By: Rickk Miller, July 29, 2015

Reports say that there are certain homeowners who are still reeling from the after-effects of the Great Recession and it may take around a decade for them to recover. According to a real estate company Zillow, the percentage of underwater mortgages, where the worth of the home is lower than the mortgage, has been seen to drop with the recovery of the housing market but more than 5 million US homeowners owe to their banks at least 20% more than the worth of their homes, which totals to $579 billion in the form of negative equity. Homeowners have reportedly said that remaining underwater would likely be the toughest to set themselves free from negative equity. On the other hand, the rate of underwater homeowners is way much higher among the homes that carry the least value and this has been noticed by using data from credit bureau, TransUnion. In Atlanta, 46% of the low-end homeowners were all underwater as compared to 10% of the high-end borrowing homeowners. In Baltimore, 42% of the low-end homeowners had negative equity as compared to a small 9% of those who owned houses of higher value. Then what’s the good news? You must be wondering about the good news among all this negative news of the US housing industry. It has been seen that there were 15 million homes with underwater mortgages during the peak moment of the housing crisis. However, this negative equity rate dropped down to 15.4% of all homes with mortgage loans in the first quarter, that was down from the rate of 18.8% during the same period last year. Hence, it is being seen that the rate of negative equity... Read Full Blog Post

Get Loan Even With Bad Credit

Get Loan Even With Bad Credit
By: Rickk Miller, July 26, 2015

Financial problems are sudden and definitely unfortunate. This is the main reason why people feel the need to take necessary precautions before it is too late. This precaution is to have the necessary amount of savings so that you have the required back up in case of any emergency. Thanks to the various financial institutions, they come handy in helping us come out of our financial crisis because sometimes savings is not good enough to salvage the situation. These are the times when you need to take the help of financial institutions in order to avail for a loan. The other major problem that people face is the fear of getting their loan request rejected. The reason for that being their bad credit score. Bad credit scores have a major negative impact on your credit history leading to the inability to avail loans in the future. Bad credit score already implies that lenders are viewing you as a high risk customer. However, this does not mean that there is no silver lining behind the dark clouds. There is still scope for you to avail loan, in case you are unaware of what they are, then allow us to inform you about the same. Use the Home Equity Line of Credit – It is because of the housing bubble that many homeowners actually owe more than what their home was actually worth. The only way you can do something good in this situation is when you have a home equity against your property. The best form of equity that you can have for your home would be a low interest and tax deductible line of credit that will allow you... Read Full Blog Post

Tax Lien Sales: Tips for Leveraging a Home Buying Opportunity

Tax Lien Sales: Tips for Leveraging a Home Buying Opportunity
By: Rickk Miller, April 29, 2015

Most people just buy a home straight up from a real estate agent or realtor. But, for the savvy shopper, this isn’t enough. If you’re obsessed with getting a great deal, then you’re probably looking for something along the lines of a Tax Lien. It’s the best deal in town, except when it isn’t. Here’s how to leverage a tax lien when buying your next home and avoid getting burned. Tax Lien Basics Tax liens are basically government liens against a property owner for non-payment of property taxes. You don’t want to be on the receiving end of one of these. But, as an investor, it’s how you pick up properties a for a discount. tax deed investing program is one of the more famous on the Internet, and it shows you all the ins and outs of the investing aspects of this process. So, basically, when a property becomes delinquent on taxes, the county will sell a tax lien certificate to an investor as a way of recouping the losses to the government. The private investor then becomes the creditor who must collect on the homeowner. The property owner still owns the property, however. The lien holder is entitled to repayment for the amount of the tax lien certificate, plus interest. If the property owner doesn’t pay up, then the investor can foreclose on the property and take ownership. This isn’t something most people want to do but it’s an option. Now, if the lien holder doesn’t move forward with foreclosure within the time period specified by the government, the lien will be forfeited and the investor loses his money. Tax Deed Basics Tax deeds are a bit... Read Full Blog Post

HAVE A BAD CREADIT: GET MORTGAGE FIXING THEM

HAVE A BAD CREADIT: GET MORTGAGE FIXING THEM
By: Rickk Miller, February 10, 2015

Getting a Mortgage With Bad Credit would be a mortifying course.  Credit is a misinterpreted deal, knowing or not knowing the regulations would distress the result. If a customer has bad credit and are in need of a mortgage, there are top mortgage lenders to help the customers in Toronto. WHAT IS A BAD CREDIT MORTGAGE Bad credit mortgages are primarily same as standard mortgage, but the difference is that the customer would fail pay as per a standard lender credit following past records. But after a few years of on time payment, would reconcile your credit rate satisfactorily according to a standard mortgage at a lower interest rate. HOW DOES IT WORK Mortgage With Bad Credit is almost alike to a standard mortgage. In some cases they differ, such as- Bad credit mortgage have higher interest rates Fixed, variable or discounted mortgage; they have a good rate though not better than a standard mortgage As the loan consumer have a poor credit history, the risk on the money lender is alleviated by issuing a higher interest rate and larger deposit than standard mortgage BE NOTED ABOUT BAD CREDIT It is always recommended to check your credit report before applying for any mortgage. There are a number of reasons behind having a bad credit. One may have been declared bankrupt, IVA etc. Missed credit card payment and/or previous loan or mortgage payments If someone posses any court judgments against them. MANAGE A MORTGAGE WITH BAD CREDIT One who need a mortgage with Mortgage With Bad Credit, It is highly necessary to compare the total cost of different mortgages. One must avoid making a number of claims for credit, as this investigation would influence credit rating. One must... Read Full Blog Post