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10 Idyllic Outdoor Dining Ideas

January 31, 2023 by Brett Tams

After of a dose of the Texas heat in Austin last week (are you following all my recaps on Instagram Stories yet??), all I can think about is outdoor dining. Those balmy evenings, perfect for endless late-night hangs and glasses of rosé, are really is the best thing about the summer…

The post 10 Idyllic Outdoor Dining Ideas appeared first on Apartment34.

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Sharp County, Arkansas VA Home Loan Information

January 30, 2023 by Brett Tams

Table of Contents What is the VA Loan Limit? How to Apply for a VA Home Loan? What is the Median Home Price? What are the VA Appraisal Fees? Do I need Flood Insurance? How do I learn about Property Taxes? What is the Population? What are the major cities? About Sharp County Veteran Information […]

The post Sharp County, Arkansas VA Home Loan Information appeared first on VA Home Loan Centers.

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How to profit from economic cycles

January 30, 2023 by Brett Tams

(Since April is Financial Literacy Month, a number of articles will be devoted to more educational topics. This is Part IV in a four-part series about how understanding economic cycles could inform your financial decisions. Part I is Understanding economic cycles: An introduction. Part II is Recognizing economic seasons: recovery and growth. Part III is The fall and winter seasons of the economic cycle.)

In the first three parts of this series, you saw how the economy moves in cycles of seven to 10 years, and how each cycle can be broken down into four phases which correspond closely to the seasons of nature. We also looked at some of the telltale signs of economic activity that can help us recognize where we are in the cycle.

You may be thinking, “That’s all interesting, but how can I apply that knowledge to my personal financial life?” Let’s start by decapitating the elephant in the room — market-timing. Market-timing is a fool’s game. However, most of the time market-timing refers to trying to find the high point in the market to sell high. It is true: Nobody is able to tell when a market has reached its peak.

Posted in: Investing, Mortgage Tips Tagged: 2, Acorns, action, advice, All, art, ask, assets, bargains, before, big, boats, book, Borrow, buffett, build, business, Buy, Buying, california, Career, Colorado, company, construction, couple, crash, data, Deals, Debt, Economics, Economy, Emotions, employer, entry, equity, estate, experience, Fall, finances, Financial Literacy, Financial Wize, FinancialWize, first home, formula, General, goal, goals, good, government, Grow, growth, history, hold, home, Home & Garden, home equity, home market, home prices, How To, impact, industry, Invest, Investing, investment, investments, investors, job, jump, Life, Live, low, Main, Make, market, mistake, money, More, more money, Move, Moving, networking, new, new job, offers, Online Savings Account, opportunity, Other, Personal, plan, Planning, Promotion, property, protect, Purchase, Raise, Real Estate, real estate investor, Recession, rental, rental property, retirement, retirement plan, rich, rising home prices, room, save, savings, Savings Account, second, Sell, selling, shopping, single, Spring, stock, stock market, stock market crash, Strategies, summer, tax, time, timing, title, trading, unique, value, vehicles, warren, wealth, will, winter, work, workers, working, wrong

Builders pull back on single-family construction in most counties

January 30, 2023 by Brett Tams

Single-family building in large metro outlying counties and exurban areas has waned in the last 12 months, according to the NAHB HBGI for the third quarter of 2022.

Posted in: Paying Off Debts, Real Estate Tagged: 2, 2021, 2022, affordability, All, builders, building, construction, country, covid, COVID-19, COVID-19 pandemic, data, Digit, Economy, Family, Financial Wize, FinancialWize, front, growth, home, home builders, home building, Housing, Housing Affordability, housing costs, Housing market, index, Inflation, Jerry Konter, job, jump, LOWER, market, markets, More, Mortgage, Mortgage Rates, Multi-Family, Multifamily, Multifamily construction, NAHB, National Association of Home Builders, Other, pandemic, Permits, points, rate, Rates, Real Estate, Recession, Rising mortgage rates, Robert Dietz, rural, single, single-family, single-family construction, suburbs, time, trends

Saint Francis County, Arkansas VA Home Loan Information

January 30, 2023 by Brett Tams

Table of Contents What is the VA Loan Limit? How to Apply for a VA Home Loan? What is the Median Home Price? What are the VA Appraisal Fees? Do I need Flood Insurance? How do I learn about Property Taxes? What is the Population? What are the major cities? About Saint Francis County Veteran […]

The post Saint Francis County, Arkansas VA Home Loan Information appeared first on VA Home Loan Centers.

Posted in: Auto Insurance, Refinance Tagged: 0 down, 2, 2021, active, aid, All, Arkansas, arts center, Bank, black, building, Cities, city, closing, College, Community College, condo, condos, construction, Credit, down payment, education, Family, faq, Fees, Finance, financial aid, Financial Wize, FinancialWize, flood, Flood insurance, fun, General, get started, government, great, guide, higher education, Hispanic, home, home loan, home loans, Home Price, home value, Homeowner, homeowners, homes, house, household, household income, How To, hunting, Income, inspection, inspections, Insurance, interest, interest rates, landlord, Learn, Life, loan, Loans, Local, Make, median home price, median home value, median household income, miles, mobile, More, Multi-Family, offers, office, Other, packing, party, principal, programs, property, property taxes, questions, rate, Rates, ready, Refinance, refinancing, Saint Francis County, schools, seating, second, single, single-family, tax, tax credit, taxes, time, turkey, under, VA, VA Home Loan Centers, VA loan, VA loans, value, veterans, Village Creek State Park, white, will

First Home Mortgage Review: A Maryland Mortgage Lender with a Strong Focus on Home Buyers

January 30, 2023 by Brett Tams

With a name like “First Home Mortgage,” you would expect a serious commitment to home buyers. And that’s exactly what the company offers, with superior customer service and a wide range of product offerings. The highlight might be access to down payment assistance programs from six state housing finance agencies. This can make the dream… Read More »First Home Mortgage Review: A Maryland Mortgage Lender with a Strong Focus on Home Buyers

The post First Home Mortgage Review: A Maryland Mortgage Lender with a Strong Focus on Home Buyers appeared first on The Truth About Mortgage.

Posted in: Renting Tagged: 203k, active, All, app, apr, ARM, assets, banks, brokers, browsing, Budget, business, buyers, Buying, Calculators, CEO, company, condos, Connecticut, cons, construction, customer service, Digital mortgage, down payment, Down Payment Assistance, dream, East Coast, existing, Family, Fannie Mae, Fannie Mae and Freddie Mac, Fees, FHA, FHA loans, Finance, Financial Wize, FinancialWize, financing, first home, Florida, Freddie Mac, Georgia, get started, good, government, guide, Guides, hold, home, home buyers, home buying, home loan, home loans, home prices, home renovation, Homeowner, homeownership, Housing, housing development, housing finance, How To, indiana, investment, Investment Properties, Jumbo loans, Learn, lenders, list, loan, Loan officer, loan officers, Loan origination, loan programs, Loans, Local, low, low mortgage rates, maine, Make, making, Maryland, Massachusetts, Michigan, mobile, Mobile App, More, Mortgage, mortgage calculators, mortgage lenders, Mortgage Rates, mortgage refinance, Mortgage Reviews, mortgage technology, new, New Jersey, north carolina, offer, offers, office, Offices, Origination, Other, programs, property, pros, Pros and Cons, Purchase, Purchase loans, rate, Rates, ratings, ready, Refinance, renovation, Review, Reviews, search, single, single-family, South Carolina, states, Technology, Tennessee, time, townhomes, Underwriting, unique, USDA, usda loans, VA, VA loans, versus, virginia, volume, Websites, Zillow

7 Great Ways to Bring More Light into Your Bedroom: A Guide to Bedroom Lighting

January 30, 2023 by Brett Tams

Many people overlook lighting when designing their dream bedroom. However, it should be given just as much attention as paint colors and soft furnishings. If you’re thinking of giving your bedroom a much-needed transformation, you need to come up with a lighting plan which is both functional and aesthetically pleasing. Here are seven tips on […]

The post 7 Great Ways to Bring More Light into Your Bedroom: A Guide to Bedroom Lighting appeared first on Fancy Pants Homes.

Tagged: 2, accent, All, author, bedroom, before, book, Buy, colorful interiors, construction, cost, data, Decor, decorating, Design & Decor, dream, Fashion, Financial Wize, FinancialWize, floor, fun, Giving, great, guide, hacks, helpful, Helpful tips, home, Home Decor, homes, How To, ideas, install, interior design, job, lighting, low, LOWER, Make, makeover, makeup, mobile, modern, More, My Fancy Home, natural, new, Oasis, Other, paint, paint colors, Personal, plan, Purchase, Research, room, shares, simple, Style, tips, traditional, transformation, trends, upgrade, wall, white, will, windows, woman, work, young

6 Inexpensive Remodeling Ideas for Your Home

January 30, 2023 by Brett Tams

Contribution by Andrea Davis, HomeAdvisor Remodeling can cost thousands of dollars, which can take homeowners months or years to save. – Photo courtesy of Modify…

The post 6 Inexpensive Remodeling Ideas for Your Home first appeared on Century 21®.

Posted in: Checking Account, Home Improvement Tagged: 2, All, Alternatives, appliances, bathroom, Bathrooms, before, big, Blog, Buy, century21, construction, cost, DIY, estate, expensive, Financial Wize, FinancialWize, floor, flooring, furniture, Giving, good, heating, home, Home Improvement, HomeAdvisor, homeowners, homes, ideas, improvement, improvements, install, Invest, Investing, kitchen, kitchens, lighting, LLC, Loans, Local, Make, modern, new, older homes, Other, paint, painting, plumbing, project, projects, Purchase, quality, refinish, remodel, remodeling, right, room, save, Saving, space, Spending, square footage, steel, time, title, tools, update, upholstery, will, wood, work, working

Home Buying Checklist

January 30, 2023 by Brett Tams

Perhaps you are already that super organized, colour-coded folder-carrying type; whether yay or nay, here’s a useful checklist for the aspiring home owner to bring along to property viewings. It’s a convenient way to make notes on potential homes so you can compare your top choices at a glance. HOME BUYER’S CHECKLIST DETAILS Address:__________________________________________________ Age: […]

The post Home Buying Checklist appeared first on Zoocasa Blog.

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How to get started with real estate investing

January 29, 2023 by Brett Tams

Today’s article is from Chad Carson, who writes about real estate investing (and other money matters) at Coach Carson. I’ve always been intrigued by real estate investing but overwhelmed by how much info available. I asked Chad if he’d be willing to write an article that would help me (and other GRS readers) understand the basics of real estate investing. This is the result.

I got started in real estate investing right after college. Because a young adult can basically sleep in a car if he has to (my 1998 Toyota Camry with cloth seats was comfortable), I had little to lose by launching a business. Unfortunately, as a Biology major, I also knew very little about business or real estate. But I did know how to hustle and to learn. That helped.

Slowly, I learned to find good deals and to resell them for a small markup of profit (a.k.a. wholesaling). I also learned to buy, fix, and flip houses for a bigger profit (a.k.a. retailing). After a few years, my business partner and I began keeping some rental properties because we knew that was the path to generating regular, passive income.

While my early business might sound like an exciting HGTV house-flipping show, it’s not for everyone. I experienced radical ups and downs of cash flow, and there were many unpredictable outcomes. I learned a lot being a full-time investor, but there are actually easier ways to get started.

Most investors I know started with a full-time job. They became valuable at their job, earned good money, lived frugally, and started boosting their saving rate. With their extra savings, they began buying rental properties on the side.

I’m not saying you shouldn’t begin as a real estate entrepreneur like I did — you’ll know if you’re called to make that leap — but if you currently have a non-real estate job and you’re saving money, you’re already going down the easiest path.

The next step is to learn how to invest that money profitably and safely. I personally think real estate investing is one of the best ways to do that. I’ll show you why that’s the case in the next section.

How to get started with real estate investing

Why Real Estate Investing? Because It’s Ideal!

I’ve yet to find a better way to describe the benefits of real estate than this. All you need to remember is the acronym I.D.E.A.L:

  • Income. The biggest benefit of real estate is rental income. Even the worst rentals I find produce more income than a portfolio of other assets like stocks or bonds. For example, I often see unleveraged (no debt) returns of 5-10% from rental income. And with reasonable leverage, it’s possible to see these returns jump to 10-15% or higher. The dividend rate of the S&P 500, on the other hand, is only 1.99% as of 1/24/17. And the yield on a broad basket of US bonds as of the same date was only 2.41%.
  • Depreciation. Our government requires rental owners to spread out the cost of an asset over multiple years (27.5 years for residential real estate). This produces something called a yearly depreciation expense that can “shelter” or protect your income from taxes and reduce your tax bill. (For more about this, check my article The Incredible Tax Benefits of Real Estate Investing over at Mad Fientist.)
  • Equity. If you borrow money to buy a rental property, your tenant basically pays off your mortgage for you with their monthly rent. Trust me: Having somebody else pay your mortgage is a beautiful thing! Like a forced savings account, your equity in the property gets bigger and bigger over time.
  • Appreciation. Over the long run, real estate has gone up in value about the same rate as inflation, roughly three to four percent a year. Combined with the three benefits above, appreciation can produce a very solid long-term return. But this passive style of inflation is not the whole story. Active appreciation is even more profitable. You get active appreciation when you force the value higher by doing something to the property, like with a house remodel or changing the zoning.
  • Leverage. Debt leverage is readily available to buy real estate. This means your $100,000 of savings can buy five properties at $20,000 down instead of just one property for $100,000. Interest on this debt is deductible, so you also save on your taxes. (While this can be helpful, keep in mind that leverage also magnifies your losses if things go bad.)

These IDEAL benefits are core reasons to invest in real estate. But as a Get Rich Slowly reader, I think you’ll appreciate another core real estate investing benefit: control!

Controlling Your Financial Destiny

How to get started with real estate investingI love J.D.’s message here at Get Rich Slowly: You are the boss of you! You can apply this lesson to so many parts of life, but it especially applies to your finances. Real estate investing fits very well with the GRS philosophy. Why? Because real estate gives you much more control than other more traditional investments.

I’m also a fan of low-cost index fund investing, for example, but do you have an impact on the returns of your stock portfolio? Not really. The 3500+ managers of the companies owned by the VTI total stock market index fund do impact your returns, but not you personally. You simply control when you buy, how much you buy, and when you sell.

But with a rental duplex, for example, your decisions directly affect its profitability (for better or worse!).

  • You can buy in certain neighborhoods and ignore others.
  • You can negotiate with your bank, with the seller, and with your vendors to get better prices.
  • You can choose the property manager and the types of tenants who will ultimately produce the returns for your investment.

If this prospect of control excites you, then keep reading. But if your palms are clammy at the idea of hands-on investments, just focus on a different vehicle. That’s okay. There are options for everyone in this big investing universe!

To make things manageable, we’re going to break things down a little. As a baby, you learned to walk by taking tiny steps. You also fell down a lot, but with a diaper four inches from the ground, what’s the harm?!

Well, you’re no longer a baby. Financially you do have a lot to lose. Your family, your hard-earned savings, your plans for financial independence, and your pride would all suffer if you made bad investments.

I get that. And that’s why we still need to take safe, baby steps. There’ll be plenty of time to run and grow faster once you’re more confident. But in the beginning, just strive to move forward steadily.

The seven baby steps below provide a simple path to follow. I’ve taken each of these steps personally. You can use them as a blueprint to help you move forward with your own real estate investments.

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