Buying a home is almost a rite of passage in an American’s life, but it can be a daunting task — especially in the current market. Many 30-year-olds are beginning to look for places to settle down, and although real estate may not be the strongest investment, it is an investment that nearly 5.7 million Americans made in May 2010, according to the National Association of Realtors.
The worst may be over, but the financial crisis still lingers for many banks and their customers in the form of bad commercial real estate loans.
The distressed loans harm banks because they weigh down their balance sheets, and in some cases, threaten to cause the banks into failure. Consumers are affected because unstable banks are less likely to issue loans to customers who might otherwise be deemed creditworthy.
Many people dread their monthly bills, including the one for their broadband internet. It’s no wonder that so many people are looking for ways to cut their monthly expenses in any way possible.
Electrical appliances get unplugged when not in use, the air and heat are turned down, and water is not wasted. But the broadband is not touched. It is so highly sought after that it is typically the last thing someone wants to cut. This practice raises your broadband bill and has you pulling out your hair in frustration. Abiding by these following tips can easily change that mindset, put your mind at ease and have you saving money in no time.
Mortgage rates continued to plummet this past week, reaching all-time lows, according to several mortgage-tracking services.
Average rates on all kinds of mortgages have steadily fallen in the past few months. The mortgage meltdown that helped spur the recession jolted the home loan industry and set mortgage rates on a downward spiral. Poor treasury rates and the Federal Reserve’s lack of confidence in the economic recovery have depressed rates in the past few months. The end of August saw a small uptick in mortgage rates across the board, but September and October have brought more stagnation. The threat of deflation has pushed mortgage rates down recently, according to Frank Nothaft, chief economist at mortgage-backing firm Freddie Mac.
Coldwell Banker Premier Group hosts a speaker seminar on February 2, 2012 (10am-12pm) - Real Estate agents are invited to attend.
One more in a series that shows Coldwell Banker Premier Group owner Norm Polsky believes in training and coaching; and, what better way to do this than by providing agents with the opportunity to meet with, listen to, and learn from the best in the business.
Speaker Jason Matt is listed in the Wall Street Journal as one of the top agents in the country. Jason will share with us how he sold 600 homes in 2011 in Plymouth , Michigan. At this session he will share his: scripts/dialogues, listing presentation and how he overcomes objections.
Seating is limited, so please contact me ASAP to reserve your place at the seminar and to get directions to the seminar location.
Gary Wasylenko
REALTOR-ASSOCIATE®
Coldwell Banker Premier Group
call: 314-336-1988
text: 314-578-4466
eMail: Gary@YourHomeStL.com
1423 Topping Rd · Town and Countery, MO 63131
Come visit me this weekend and see this $1.57 million dollar home.
--- 5 bed, 7 bath on .97 acres
Fabulous Town and Country lifestyle, location and elegant comfort that offers every amenity!
This home has it all:
- main floor Master suite with double walk-in closets
- study/office with custom wood finishing and built-ins
- Soaring wall of windows
- huge wet bar
- hearth room with custom floor to ceiling stone fireplace
- gourmet kitchen w/ Viking stove and appliances, 6-burner gas stove/grill, 2-tiered breakfast island and large kitchen/butler's pantry
- finished lower level: bar, theatre room, sound system, 5th bedroom/full bath, 2nd office and rec. room
- Walkouts to two-level patios and 4- car garage
... and much, much more...
With the New Hampshire primaries almost upon him, the Republican contender who has staked his candidacy’s future on the outcome of the contest, Jon Huntsman, penned an op-ed for Fox News outlining his position on Too Big to Fail institutions. Like most of Huntsman’s policy proposals, this is actually novel and smart, but no one is paying attention because he almost certainly will not become the Republican candidate for the presidency.
This week ushers in the new year. While many people are wondering how the world will come to an end, many of us will be engrossed with a more pressing matter – filing taxes.
Managing credit cards is a huge part of your financial wellness, so optimizing the amount of credit cards and your access to credit is very important in establishing a good credit history in case you need a loan.
What should you do with all your credit cards that sit dormant and have a zero balance? If you have ever wondered this, then you should be really careful before you cancel a card. While it is usually better to just leave the account open at zero balance, if the bank starts charging fees or if those cards at zero balance extend your available credit to too high a number, you may want to consider closing the account. However, be extremely prudent when you close a credit card because it can have adverse effects on your credit score.
Follow the link here to see just a part of it....
(the page is looooong... scroll down the page randomly and see where your money goes.)
NATIONAL DEFENSE AUTHORIZATION ACT FOR FISCAL YEAR 2012
R E P O R T OF THE COMMITTEE ON ARMED SERVICES HOUSE OF REPRESENTATIVES
[Including cost estimate of the Congressional Budget Office]
http://www.gpo.gov/fdsys/pkg/CRPT-112hrpt78/html/CRPT-112hrpt78.htm
A Special Invitation from Coldwell Banker Premier Group to You to Interact with Jason Matt.
Jason was listed in the Wall Street Journal as one of the top agents in the country.
Jason Matt from Plymouth, Michigan will share with us how he sold 600 homes in 2011.
At this session he will share his:
-scripts/dialogues
-listing presentation
-how he overcomes objections
The United States may be on the verge of bringing back manufacturing jobs from China.
Harold Sirkin, along with Michael Zinser and Douglas Hohner (all experts from the Boston Consulting Group – a leading management consulting firm), says that outsourcing manufacturing to China is not as cheap as it used to be and that the United States is poised to bring back jobs from China. The three consultants first reached this conclusion in a recently published study titled “Made in America, Again: Why Manufacturing Will Return to the U.S.”
A new year often brings about change, and unfortunately some changes are not as welcome as others. In the upcoming months you may notice that you are shelling out a little more cash on everyday purchases. Not only are price increases being predicted by some indices, some are even mandatory.
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