Tree Houses Not Just For Kids Anymore

There are no limits to the complexity of a tree house.A tree house can have all the amenities of a home on a foundation.It would just be in a tree.

To begin building your dream tree house you must built it on a solid foundation.The best or idea scenario for building a structural sound tree house is having:

• Four trees evenly spaced with each tree supporting a corner of the structure.You could also have three or even two trees, but four trees is the best scenario.
• It is best to use bolts and steel hangars when securing the floating point of load to the tree.It is recommended to space the bolts eighteen inches apart to even out the load.

To find out more about hardware and especially tips on making a tree house into a home or work space visit www.treehouses.com or www.treehouseworkshop.com.

Related articles  about tree houses

• Tree Top House (neatorama.com)
• Treehouse Photos: Awesomely Unusual Creations (huffingtonpost.com)
• dass: tree house hotel (designboom.com)
• Mobile Tree House (neatorama.com)

Mortgage Interest Rate – Latest News

The latest news in mortgage interest rates is revealing suprising results:

The Financial Blogger » Blog Archive » What Will Happen With …

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A Real Estate Broker Still Has Credit Lessons of Her Own to Share

Have you set back and determine what having money means or are you always determining what having little money means?Your view or determination may be the difference between living and dying in poverty and living and dying in wealth.

Let’s examine.

An editor of a well known magazine did this analysis of her life in hindsight.I, too, am doing this analysis in hindsight.I see some mistakes, some achievements, and all too often a need for improvement.This editor also saw the same thing, she, of course, maybe looking at this evaluation as valuable lessons as rags to riches.I am, however, looking at them as life changing lessons for the better.
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This editor’s lesson of amassing wealth for yourself involved her grandmother’s plight and a relationship she had will a man that she labeled as “selfish.”My lessons have do with not listening to my inner voice and amassed knowledge of finances until it was too late.

Still both my lessons and this editor’s lessons will make for great warnings and financial victories for you.
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The editor’s grandmother had amassed great wealth with her life long male partners but when he died she was kick out of the home that her and her partner brought because the home and all other accounts was in his name only.Therefore, even though she had amassed wealth because she did not have insight to get joined ownership or at least joint tenancy with the right of survivorship on the home, as a result of this oversight, the editor’s grandmother died in poverty.

The editor’s second wealth lesson was that of a “selfish” lover who taught her the importance of acquire your own wealth.

My lessons were not far from these.My lessons included not having an emergency fund, not having a business nest egg, and not having a little personal savings and the effect of not have the above items.

To make the lessons that the editor and I learn become your personal victories, you must:

• Spend less than you earn
• Value your time; remember time is money.
• Be strategic; create a plan
• Build a retirement nest egg or business nest egg
• Purchase property.Unlike some stock, land, houses, buildings, will never depreciate to zero; it will always be worth something.

I pray that these life lessons that this editor and I learn along our journey can offer insight and improve your financial choices from now on.

 

Mortgage Rates

Originally posted 2009-01-03 14:21:47. Republished by Blog Post Promoter

30 Year Fixed: 5.19%
15 Year Fixed: 4.92%
1 Year Adj: 4.94%
(U.S. Weekly Averages)

Your Credit and the Home Equity Line of Credit

If you are like most homeowners you have considered using a home equity line of credit to get out of debt with high interest rate credit cards. There are at rate credit cards. There are at least two schools of thought to consider if you want to get a home equity loan for such a thing.

One thing is that using your home as collateral to get out of debt is risky. Why? If you fail to make the home equity payments you can lose your home. Still yet, the days of your home equity high are gone. Remember, equity is the difference between how much you owe on the mortgage and how much the home is worth. For example, let’s say your home is worth $57,000. In today’s market, it may be worth $65,000. The difference, equity, is $8,000. If you decide to take out this loan remember you now are adding another bill to your already overloaded expenses, so make sure you can handle this before doing it so you will not be facing foreclosure, as a result.

Another option would be to cut up the high interest rate credit card and pay more than the minimum until you get the card paid off. Do not close the account when you are paying it down because that can affect your credit negatively.

How Does Your Banking Choices Affect Your Credit

Despite the fact that banking fees are not part of your credit, those fees do affect your credit. How? Those unexpected fees that happen as a results of:

• A bounce check
• Using a “foreign” ATM (not the ATM for your bank)

Can cause you not be able to pay your other financial obligations. After all, when your check is direct deposited in the bank the fees owed are paid first, then whatever, bills or checks that you write against the account. There are, however, ways to avoid these unnecessary fees and yet a strong grasp of your credit at the same time.

The number one way to get a stronghold on your credit using your banking account is to balance your checking account. Ensure that your write down all your transactions in your check register including any fees that may be associated with the transactions. Next, balance your check book by subtracting the amount of the check, debit card transaction, or ATM transaction from the balance of the account.

Stop using “foreign” ATMS. This alone can save you up to $200 a month depending on the frequency that you withdraw money from the “foreign” ATM. As a matter of a fact, the charges for the use of a “foreign” ATM can be as high as $3.00 per transaction. In addition, your financial institution can charge you additional fees, as well, for honoring that transaction.

Understanding the fee structure of the bank before joining it can save still yet a lot of money. Some banks charge fees if you fall below a certain amount in the account. Still yet, the bank may charge fees if you write over a certain prescribed number of checks each month. For instance, one bank can charge $10.00 for every check over 25 that were written. Still yet, I found out from a friend that his back was charging him an overdraft fee for a debit card transaction that over drafted his account and $10.00 a day until he deposited money into the account to clear the transaction. He had amassed at that time over $400 in bank fees.

Another fee structure or pay structure that could get you in trouble with your banking institution is that of interest bearing accounts. On average an interest bearing checking account requires you to have a minimum balance of $832; where as, a non-interest bearing account has a minimum balance of $88. However, with the historically low interest rate that interest bearing accounts draw it may not be beneficial to have such an account.

A great saving choice is that of an insured money market account. It pays a higher interest rate than a regular savings account. Remember, that you can build a nest egg with as little as five dollars a week. I remember when money was tight for me I started with ten dollars a week. Those ten dollars a week went to purchase stock in a company that was considered a commodity. A commodity is something that you or anyone for that matter can use no matter what the economy is doing. As a matter of a fact, that stock help put a down payment of n a home and a car. Incidentally, I still have that stock, today. My point is start small if you have to but start saving.

Another option is look into internet banking. Be careful and shop around for the best option for you. Some internet banks offer better deals, higher yields, and lower fees than traditional banks. The drawback is that you will have to pay “foreign” ATM fees; however, some internet banks reimburse those fees.

Traditionally, the fees, interest rate, overdraft fees, etc. that you pay or receive is often overlook as having an adverse affect on your credit.

I hope this article has opened your eyes to the importance of shopping around for the best banking options and how doing so can improve your chances of acquiring not only a home soon, but improve your credit.

Real Estate – Latest News

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<a href=”http://www.atlantarealestateforum.com/atlanta-business-chronicle-lists-19452/”>Atlanta Business Chronicle Book of Lists | Top Atlanta Companies …</a><p>On December 25, 2009, The Atlanta Business Chronicle released the 25th edition of The Book of Lists. This book contains 124 lists that rank metro-Atlanta.</p>

Get Your Dream Home or Next Investment Property Today At These Low Prices

Originally posted 2009-07-14 05:00:00. Republished by Blog Post Promoter

$6000   2461 Maryland Gary, IN  3 bedroom 1 bathroom with basement need TLC

$8000    1640 Carolina  Gary, IN  2 unit building needs TLC

$6000    2157 Kentucky  Gary, IN  need TLC 2 bedroom 1 bathroom with basement

$2000    2324 Kentucky Gary, IN (vacant land)

$6000    1730 Maryland  Gary, IN 2 unit building residential building with need TLC

$4000    2313 King Street Gary, IN (vacant land)

$4000   1638 Madison Gary, IN (vacant land)

$9500    4357 West 14th Lane Hobart, IN (vacant land)

$6000    2609 Johnson Gary, IN 3 bedroom with basement and large lot will need TLC

$45000   518 N Miami Place Gary, IN   within minutes of Miller Beach.   5 bedroom 2.5 bathroom 2 story home

$21900   3840 Massachusetts  Gary, In within minutes of Indiana University 3 bedroom 2 bathroom ranch style home with partial finished basement

$15000   3695 Connecticut Gary, IN within minutes of Indiana University 3 bedroom 1 bathroom ranch style home with basement

$9500     884 East 36th Place Gary, IN within minutes of major highways 3 bedroom 1 bathroom ranch style home with basement

$11,000   838 West 41st Avenue  Gary, IN within minutes of Indiana University 2 bedroom 1 bathroom ranch style home with basement

$15,000  1955 Massachusetts Gary, IN 4 unit residential building will need TLC

Commercial Real Estate – Latest News

The latest news in commercial real estate from around the blogosphere is about the early signs of what I blog about a couple of months ago, the second wave of foreclosure are coming in commercial real estate.  Check it out for yourself:

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Seniors Deadline Quickly Approaching

Originally posted 2008-12-15 05:07:16. Republished by Blog Post Promoter

December 31 is the deadline for qualified senior to file for two percent cap on his or her property taxes.   This credit is for seniors in Lake and Porter Counties in Indiana; however, the auditor’s offices in both counties are reporting low or limited interest by seniors.  I am sure this is because most seniors may not know about the need to apply for the credit. 

Under House Bill 1001, seniors will receive a tax credit if his or her adjusted gross income is no more than $30,000 or combined income of $40,000.  In addition, the gross assessed value of the home must be less than $160,000.

The Bill ensures that the qualified homeowner will not receive a property tax increase of more than two percent.  It is important to note that this credit is in addition to statewide property tax caps of 1.5 percent and 1 percent that is scheduled to take effect in 2009.

For example, if the assessed value is $100,000, the statewide cap for next year will result in a tax bill of $1,500.   The senior will enjoy a cap of two percent on his or her assessed value especially if the assessed value increases from one year to the next.

So seniors please apply if you qualify.

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