I laughed so hard I ended up crying. The [tag]SEC[/tag] is concerned that the prospectuses that mutual fund companies send to their clients are too big and full of legal mumbo jumbo to be useful to the general public. How many of you think that mutual fund companies WILLINGLY CHOOSE to spend the money to develop, write, print, and mail a 38-page book to your house, not just once, but every single year you own the fund?
Selling Your Own Home – Day 9
It’s Monday and no showings. That is to be expected. Most [tag]realtors[/tag] end up working both Saturday and Sunday so they take Monday off which isn’t a very popular day with clients for showings.
Let’s talk about the [tag]sign[/tag] in your yard.
Selling Your Own Home – Day 8
Sunday and two showings. Not too shabby. Overall, 7 showings for our first weekend on the market. We’ll take it. So far, no one seems shocked at the price which is good. We had to set our price in a bit of a vaccum since no one has sold a house in our neighborhood in a while. Otherwise, everything is pretty normal.
Selling Our Own Home – Day 7
Saturday and we’ve ended up with 5 showings. Not bad for a first weekend on the market considering how things are going in [tag]real estate[/tag] right now and the fact that it is still early April. Actually we weren’t really looking at selling in April but it was important for us to get out there first to help set the price in our market. Here is how to handle showings when you are [tag]selling your own home[/tag].
Sell Your Own Home – Day 6
Well, we’re officially on MLS. Whoo-hoo! Frankly, it’s been a bit of kluge, but I guess in the end it all works out. Our very first day we get a call from a realtor to setup a showing. My wife spoke with her and after setting a time for the showing my wife inquired as to whether or not she was a realtor. Generally you don’t stay at your house for showings. It helps the potential buyers see your home as their home if they don’t see the people that currently live there. Also, it keeps you from answering awkward questions. And, if you are very lucky, they may want to spend a lot of time going back and forth and talking about your house if they are very interested in it. However, we aren’t going to leave strangers alone in our house without a realtor. (The realtor is semi-liable and probably wouldn’t allow anything shifty. It isn’t worth the trouble for them.)
Free Credit Score at My Credit Union
Several years ago when I was a wild-eyed, fresh out of college, computer guy, I got my first “real” job with a local company. The company had around a 100 employees or so which meant that the HR person was the Office Manager. On my first day, the Office Manager went through all the basics with me: payday, W-4 forms, copies of my Social Security Card (or passport), and so on. We also went over my “Benefits.” Now, at the time, I didn’t much understand what benefits were or why I cared (other than insurance and vacation time) but, I understood what the word benefit meant, so I nodded along and paid close attention. One of my benefits was the right to join a credit union. Back in those days credit unions were a little bit tighter in their membership requirements, still it wasn’t too hard to join one. But, since it was one of my benefits, I marched down right away and opened an account. It wouldn’t be until years later that I would understand that the reason my company offered me this benefit was because the credit union offered me another benefit which was the ability to have …
Selling Your Own Home – Day 5
Hello scammers. Well, our house isn’t even on MLS yet, and already the scam punks are coming out of the woodwork. So far, I’ve gotten two emails from two different people who actually already own homes in my city but they live in another city and the market there is bad, so they are wondering if we could work something out. Yeah. You can make an offer, get a mortgage and buy my house. If you meant something else then no. I’m not sure, but I’m guessing this scam revolves around me getting all excited that someone is interested in my house only to get somewhere down the road where they have some "situation" that requires me to send them $10,000 to help clear up, but not to worry because they’ll give me my asking price plus $10K. Of course, there is no situation, no offer, and my ten-grand disappears. I also got someone who called and was headed down the road of asking me for some information like my bank account or Social Security before I noticed where she was going and got very cold. Then all of the sudden she "had something to take care of" and she …
Selling Your Own Home – Day 4
We got our first showing today. It was someone who lives on our block as a renter and walked by the sign. The wife came without her husband because he has a travel job and won’t be back until next week. Seemed like she really liked it. The nice part is that as someone who already lives here we don’t have to explain anything about the neighborhood or why our house is worth more than one about 8 blocks away where the school boundaries change. How cool would that be if we just sold it right away from someone seeing the sign?
Financial Planners and Financial Advisors an Introduction
Listen to the book authors, newspaper and magazine columnists and many web sites, and you will hear that financial advisors or financial planners are nothing more than glorified snake oil salesmen out to separate you from your hard earned money. To listen to some in the finance industry and their champions, financial advisors and financial planners are bastions of righteousness steeped in knowledge about financial concepts so complex that no mere mortal could possibly hope to navigate the waters alone. The truth of course lies in between. In real life, many financial decisions are frighteningly complex and, unlike other decisions you may face in life, many of them are irreversible once a mistake has been made. More importantly, some of the biggest financial issues, like retirement, take years to accomplish, and you get one chance. If you try the latest fad diet for a couple of months only to find out it doesn’t work for you, you start over a little wiser and with a little more experience. You could try different diets hundreds of times in your life while figuring out what works for you. You could also talk to friends and family, each of whom has dozens of …
Selling Your Own Home – Day 3
Today, we got our first phone call. It was from someone who walked by our house and saw the sign. No idea of how serious they were or weren’t, but it is still nice to get our first call. Still no MLS listing. The guys at Iggyshouse are either dragging their feet, or they aren’t as fast and on the ball as they say they are. Why did we use Iggyshouse? The main reason is the free online MLS listing. There are other services out there that offer to help you do you own For Sale By Owner. Most of them charge some sort of flat fee or deeply discounted percentage in order to help you sell your own home. How do they charge less? Well, some of them offer less services. For example, Assist2Sell offers a “direct to buyers” program which basically involves some signs and a web page (good luck with that!) But they also offer a “full-blown” MLS listing (whatever that is). No word on pricing on the web page which turned us off. Iggyshouse has no costs. How can they do that? Well, they also offer a buyers service where they act as your buying real …