Great Helpful Tips On Buying Real Estate

14 December, 2017

You don’t really think you know everything there is about real estate, do you? There are many details you need to know about. Even experienced buyers are always learning new tips and tricks. This article is here to help you with tips that you can use when thinking about what kind of real estate you want to buy.

Make a request, in your offer, for the seller assist with closing costs, inspection fees, and other expenses accrued in the process of the real purchase. Very often a seller will be willing to cover some of the interest charges early in the loan. If adding financial incentives to an offer, the seller may not negotiate your selling price, though.

Louisville Norton Commons real estate

Talk to other investors in real estate. Properties are always available, but not every one makes a great match for each investor. This can help you find that hidden gem that hasn’t been purchased yet.

In many cases, these homes are priced lower to make up for their need for renovations. It is a good way to save money if you can take your time, and improve your home one thing at a time. Not only can you design the home to your specifications, but you are building equity with each improvement you make. Make sure that you are looking at the potential a house has, instead of focusing on the negatives. Look beyond minor imperfections, to see the home you have always dreamed of.

If you would like to see an awesome illustration of a Realtor writing about some of these real estate tips to boost their online footprint, visit this Louisville homes for sale site at If a new potential rental property has a garden, make sure you ask your landlord about it. Sometimes, tenants are required to maintain the landscaping at their expense. Or, this might be included in the rent.

It’s necessary you research a home’s neighborhood before investing in it. You need to find a neighborhood that meet your needs so that you will be totally satisfied with your home for the long haul. You must have some knowledge about the neighborhood you may be relocating to so that you are not in for any surprises.

When negotiating with a seller, make a reasonable offer. Many buyers try to offer a real low offer; however, most times this approach will not get you the property that you want. Although it’s important to be resolute about some terms, allow your real estate agent and attorney to handle the negotiations because they are the true experts in that field.

When you are in the midst of a real estate transaction, prioritize your goals to get the best deal. Look at all of the variables in the deal and determine what you hope to achieve with each. Knowing what you feel strongest about will help you to determine which issues are a personal priority. Keep in mind that you cannot get all that you have asked for in the negotiation; some issues should remain flexible.

Be informed about the different types of houses located in the neighborhood which you’re interested in. You’ll want to avoid buying the neighborhood’s largest or nicest houses. The reason is because you will not get back the money you put into the home when there are homes that are less expensive in the same area.

When you’re looking to buy real estate, consider doing remodel or repair work. The value of your property will go up quickly. Sometimes, the value will be much higher than you invested!

Don’t purchase a dwelling that looks on or abuts a thoroughfare with a lot of traffic. These properties will cheaper than those away from the roads, however, they are cheaper for several reasons. Although the noise may not bother you, it will be harder to sell the home.

With these tips in mind, you’re now ready to embark on the home buying adventure. If you know what you’re in store for when purchasing a property, half the battle is won.

If you find yourself looking for a home to buy in the Louisville area and think that maybe Louisville Norton Commons homes for sale might fit your fancy, make sure to visit one of the area’s premier websites at


Malaysia Business Malaysia Business and Vacation How to Choose

13 December, 2017

When you are headed out on vacation, the worst thing that can happen to you usually does and you may need to find an emergency Malaysia business to help you with your problem. From a broken shoe, to stolen luggage, you will need to use a Malaysia business at some point.

You can learn the most about a certain place just by eating their food. When you see how a country eats and think about the origins of the food, then you will really get a good idea as to the life style of the people who live there and how they go about their daily existence. If you have ever had a new and exciting dish with spices and tastes that you have never tried before, then you will know just how the land is embodied by what is grown there. Eating at a Malaysia business will really give you a sense of the landscape.

Malaysia business can be tricky and it will benefit you to learn about the economy first. How much will you need to start your business? Finding out how much it will take for you to start it and then how long it will take to start seeing that initial investment back can be the first step you should take. When you see all the figures it may help you to make the choice to go ahead and start with your business plan or it may make you realize just how hard it will be. Talking to a business savvy friend may help; he can give you some pointers about how to best save money and make it quickly.

Finding a Malaysia business that will not take advantage of you will be easy as well. Just find the businesses that seem to be the most crowded. If you are looking for a great restaurant, then check out that small tiny crowded room off of the main drag and sit and dine like kings with the local people who know how to eat well. Finding the secret gem and diamond in a place that you are unfamiliar with will really give you a sense of living in a different place.

A business in another country that you are not used to can be hard to judge but if you look at the faces of the people who come out of them you may get a better idea. A Malaysia business with smiling customers is one major thing to watch for and then you will know where to go.

Want to find out more about how to use Malaysia business? Visit this site to play around and learn!


Top 10 Instant Jobs

12 December, 2017

Top 10 Instant Jobs For You

Note: You can choose more than
of them as part time jobs!

– Get Paid For Surveys

Get paid for completing Surveys. 
$5 to $75 per survey.

  2) Make
$150 A Day At Home.

In your spare time. Hundreds of work-at-home

Get Paid To Shop! Get Paid To Eat! $10 to $40 per

  4) Homejobstop
Premier Telecommuting Resource offering an
extensive, advanced Job Bank specifically for home workers. Updated Daily.

Get paid to shop as a Mystery Shopper! Get paid for
your opinion taking surveys! Great work at home job opportunities.

– Get Paid To Shop!

Get paid to shop & eat PLUS get free stuff!

Sales Interview Tools

Pharmaceutical Sales Recruiter REVEALS all
Secrets.Interview Questions & Answers, Resume Tips, Networking, job,

  8) Resume
And Cover Letter Secrets Revealed

Get the job you want in 30 days – or your money

Everything you need to know about getting paid to
shop, eat at restaurants, go to the movies and more.

  10) Get
Work On An Oil Rig Or Cruise Ship.

Earn from 3 UNIQUE Employment websites all using
the same successful and popular system. 3 sites.


The Holidays Are Overnow Back to the Plan

11 December, 2017

I took a break and hit on some Holiday topics, but let’s get back to our 7 step plan. To recap:
1. Save $1,000 in an emergency account as fast as you can. ($500 if you make less than $20,000 per year)
2. Pay off all of your debt except for the house (yes that includes the cars)
3. Increase your emergency account to 3-6 months worth of EXPENSES
4. Save 15% of your income for retirement
5. Start a college fund for your kids

And here we are at step 6: Pay off the mortgage. Imagine a life with no debt, roughly $10,000-20,000 in an emergency account. Your retirement is being funded so you can retire with dignity, you are preparing for your children’s future. Let’s make the final step and get rid of that nasty mortgage payment and look forward to a life free of debt….forever! You have freed up your income and should be able to put a good amount of money toward paying down the mortgage.
Why wait until step 6 you may ask? There are a lot of retired folks with a house that is paid for because time will usually do that. Statistically though, our retirees are not doing so well financially. ( for more info on this subject, see )
So our goal is to retire with dignity, be debt free, leave our kids an inheritance and be able to do a lot of good with our money. Do things in order and with discipline, and your family tree can change!

**if you would like help along your financial journey, contact me at to schedule your private consultation**

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My name is Tim Parady and I am 36 years old. I was born in Connecticut, raised in Virginia, had a brief layover in Kansas which led me to Texas where I met my wife and best friend. We just celebrated 145years of marriage.
I have the best job in the world, which is to improve peoples lives. I teach people how to win in all areas of there money, which affects all areas of their lives.
78% of Americans live paycheck to paycheck, with no money in the bank and little knowledge of how to invest for their retirement. You can have a different future. You can win with money and I can show you how.
I am an independent Dave Ramsey Financial Coach,and Insurance Agent at Alkali Insurance and I am here to serve you. My goal is to provide knowledge and tools to change your life. To schedule an appointment to address your financial needs and goals, email me at


51 Of Americans Are Putting Off Major Life Events for Financial Reasons

10 December, 2017

Have you been putting off making a major decision in your life due to financial concerns? If you answered yes, then you’re not alone. A recent AICPA study found that more than half of the Americans surveyed have delayed making at least one major life decision for financial reasons in the past year. Fifty-one percent of the 1,010 U.S. adults surveyed this March said they had put off important life goals such as buying a home, retiring, or pursuing higher education. In contrast, just 31% of respondents reported delaying such decisions in a similar survey conducted in 2007, before the financial downturn took place. The results show that Americans are being cautious about spending and are taking more time to think and proceed slowly before making a major decision with financial consequences.

Some of the decisions that have been pushed to the back burner include:
• Pursuing higher education: 24% of Americans put it off in 2015 vs. 11% in 2007
• Buying a home: 22% in 2015 vs. 14% in 2007
• Having a medical procedure: 19% in 2015 vs. 9% in 2007
• Retirement: 18% in 2015 vs. 9% in 2007
• Having children: 13% in 2015 vs. 5% in 2007
• Marriage: 12% in 2015 vs. 6% in 2007

Of respondents who said they had delayed a big decision in the past year, 60% named lack of savings as a reason. Other reasons respondents cited include:
• Worries about the U.S. economy (50%)
• Difficulty paying nonmortgage bills (39%)
• Difficulty paying medical bills (29%)
• Taking care of elderly parents or relatives (29%)
• Paying off credit card debt (28%)
• Concerns about losing their job (27%)
• Difficulty making mortgage payments (25%)

The survey did report some encouraging news. More than 4 in 5 Americans (85%) said they made positive changes to their financial habits after the recession. Fifty-eight percent said they had started following a monthly budget, 44% started saving or increased their savings, and 35% started or added to an emergency fund.

Source: Vien, C. (2015). 51% of Americans Are Putting Off Major Life Events For Financial Reasons. Retrieved from

TAMPA BAY MONEY TIPS are published to provide practical personal financial tips relating to budgeting, saving, spending, debt, credit, financial wellness, planning for the future, and other personal finance topics. Linda A. Stortz, CPA, P.A. is a local CPA firm located in the Tampa Bay, Florida area and is dedicated to educating individuals to take control of their personal finances and financial future. Services provided include confidential personal financial coaching, counseling, mentoring, and also financial education through financial literacy and wellness seminars. Linda A. Stortz is a CPA. Accredited Financial Counselor, and Certified Identity Theft Risk Management Specialist. For more information, please e-mail Linda at

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Holistic Approach to Your Education with Distant Healing

9 December, 2017

There are many people out in society today that really want to understand a holistic approach to their own lifestyle and how they can incorporate many different complementary and alternative therapies into their day-to-day life. Really, it is all about an education approach to their own daily lifestyle. It is not have to be overwhelming or frustrating, but rather something that they can tap into and enjoy us of that they can have everything they want a mind – body – spiritual level connection.

When you’re starting to work with different healing modalities for complementary and alternative therapies to your lifestyle, it can be very frustrating to even know where to begin. There really is no right or wrong way to start your holistic approach, but there are many different ways to tap into these powers. You can work with energy healing, Reiki healing, distant healing, crystal healing, sound techniques, herbal remedies, and many others that resonate within your own energy fields that you can balance out your life.

There really is not much education up the world stay when you’re talking about the holistic realm other than online education. That’s why I’m here sharing this article with you today. We are all energetic vibrational frequency beings on this planet and can work with our body through many different complementary and alternative therapies to heal all of these issues on an energy level format.

The fun part of working with distant healing as a complementary and alternative therapy is that you do not have to be anywhere near the person to work on healing the energetic frequency fields. This is where the education needs to come into play as many people believe that they have to be in person, and in front of them, for the energy healing to take place. You can work on distant healing sessions around the world if you so choose.

It is important to establish a connection with the universal source power when you are working with your distant healing session, so make sure to plug in and pull from this connection before you send any kind distant healing to anyone.

Nicole Lanning is the founder of Healing Art Forms and Holistic Healing Minute. For more information about distant healing, spiritual healing, or holistic approach to life contact her personally with your questions.


Uncategorized My Money Tips Blog

8 December, 2017

If you travel to Europe you are going to have to deal with the VAT anytime that you make a purchase. Most people are not entirely clear on what this is,even most of the people who live in Europe. There is a tendency to treat it like a sales tax but in reality there are some important differences between a sales tax and the VAT.

The VAT is the value added tax in Europe, a lot of people assume that this is simply a sales tax and from the perspective of the consumer it is. However the tax is only applied on the value added at each stage of production which greatly simplifies things when it comes to determining who has to pay tax and who doesn’t. This approach also ensures that an item is only taxed once which may not be the case with a straight sales tax.

With a sales tax there is generally no tax collected until the final sale to the consumer, this is not the case with the VAT. In the case of a value added tax if a company is producing a product they will pay the tax on the materials they need to produce the product. The item would then be sold to the retailer who would pay tax but only on the amount of value that was actually added by the manufacturer. The retailer would then sell the product to the consumer and collect taxes based on the value added by the retailer.

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Wednesday, April 18th, 2012Uncategorized

You might already have a steady job but thinking of boosting your income. Here are some proven ways to get some extra cash:


Babysitting is not just for the teenagers. Parents actually would love to have an adult care for their child while they are away. They can even give a premium for having you around.

Do some errands

There are people who are just busy to do some things they need to do. You can see this as an opportunity and do some tasks like buying some groceries, looking for items, delivering gifts, or driving them around.

Dog Walking

This is perfect if you love dogs. A lot of people do not have the time to exercise their dogs so you will be the one to take them out and walk them around the block or take them to a park.

Mystery Shopping

You can sign up to be a mystery shopper and you will be sent to restaurants, malls, and supermarkets to see how marketing and customer services are implemented.

Cleaning houses

You can do this from time to time like when people need help during their Fall or Spring cleaning. You can also do regular stuff like washing windows or offer special one off services like cleaning certain areas of the house like garages or help families during special events.

Online Job

There is a lot of money you can make online. You can do freelance writing, transcription, accounting, graphic design, website design, and the list goes on. You can do these things from the comforts of your own home.

Offer lessons

If you are very good something, you can share your knowledge or talents. You can teach people how to play a musical instrument, maybe repair a computer, or teach kids with their school subjects.

Tags: babysitting, cleaning houses, do errands, dog walking, earn money, mystery shopping

Thursday, December 15th, 2011Uncategorized


In the Red Six Steps to Protect Your Income

7 December, 2017

Photo from

Picture the scene – your wages or benefits are due to be paid into your bank account and you need the money to cover your bills.

BUT you owe the bank some money, and the bank wants to take some of your income to reduce your debt.

What can you do?

There is an answer! You can tell your bank how you want them to use your money when it’s paid into your account!

This is called your “first right of appropriation” and it allows you to control your money to pay priority debts, such as your rent or mortgage. It also helps you to stay in control of your money.

If you don’t do this, the bank can decide to use your money to reduce your debt by paying off overdrafts and bank charges or to make payments to payday loans etc.

These are non-priority debts and should be cleared only when your priorities have been met.

So how do you do it? Well…

  1. Check your account regularly and ring your bank if you know that you are going to have a problem.
  2. The bank need seven days notice to set up your first right to appropriation, so be prepared!
  3. Tell the bank you want to do this until further notice – otherwise you’ll have to write to them every week!
  4. Instruct the bank which standing orders or direct debits need to be paid first i.e.  rent/mortgage and council tax.
  5. Keep a copy of the letter you use.
  6. If the bank refuses, complain to the bank manager and if they won’t help, then go to the Banking Ombudsman.

Remember that the standing orders and overdraft fees will still need to be paid, so you will build up more debt.

This is not a long term solution and if you need to do this, it is probably time to start thinking about opening a new account at another bank and starting with a “clean slate”.

You can use this letter as a template!

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first right of appropriation






money advice






non-priority debts


priority debts