Everywhere People Are Saving Money With Gardening

Originally posted 2009-06-10 05:00:37. Republished by Blog Post Promoter

Have you considered a garden to cut cost?  In these economic times, we may need to go back to the basics.  One of those basic is growing your own vegetables. 

When I was a little girl, my mom and dad always had a garden.  We would plant cucumbers, squash, greens, onions, potatoes, tomatoes, eggplant, corn, etc.  My least favorites, of course, were the squash and eggplant.  I enjoyed canning, cooking, and especially growing the food.

As a child, I would marvel over what a little labor, water, love, and God could do to make a meal for myself and my family.

As the seed would sprout into a plant and evidently food, I had the unpleasant chore of weeding the garden, though, to help with the harvest.    However, it was not so unpleasant when I would sign while I did it. 

My mom would tell us stories about the amazing harvest she had and the fun she had with her dad in the garden, so we would get excited about sharing the same experience. 

Another thing that mom taught us is that watering the plants can be inexpensive, too.  All you have to do is get some buckets and catch the rain water coming off of your house or recycle your rinse water when washing clothes.

So if you are looking for a meaningful, inexpensive, fun way to spend time with your children try gardening.  You will be surprised at the rewards.

Smart Homeowners Save Up to $300 on Winter Heating Bill With These Tips

Originally posted 2009-06-18 05:00:51. Republished by Blog Post Promoter

Winter will be back before we know it, but as one of my friends said last week, “has it really left. ” She was wondering if she needed to turn on her furnace one day just last week when the wind chill seemed to be in the upper 30s.  With the higher heating bills that we all have to contend  with I believe she choosed to just put on another sweater.

However, this winter there are five things that we can consider to help lower our heating bills this winter.

• Get a check up for your furnace. It is useful to fix something before it breaks by doing preventative not corrective maintenance.
• Change filiters.  A clean filter circulates air better and improve your indoor air quality
• Reduce the temperature on your thermostat to 68; it can save as much as $300 on your heating bills.
• Install insulation in your attic.  It is recommended to use R value of 49, and it needs to be 19 inches deep.
• Invest in an energy efficient furnace.

If you want to save money on your heating bill this winter, consider the above recommendations; however, if you are considering replacing your furnace or need insulation.  Budget for the cost before pulling out a credit card.

The Amazing Secrets to Short Selling Your Home in This Market

Originally posted 2009-03-12 10:44:19. Republished by Blog Post Promoter

front-cover

From: Serena Brown, 10:05AM

 

If you are interested in selling your home using a short sale then learning an effective and efficient way to accomplish that goal is a much needed skill.

 

The single biggest complaint homeowner has is knowing how the short sale process works, and if the short sale will stop the foreclosure process.

 

As a homeowner who is facing the scariest and worst market for selling a home in decades it is important to have a guide along the way that help you understand what will or will not happen when and if you get a buyer for your home. 

 

As a homeowner, it is reasonable to want to understand the tax laws to avoid capital gain or loss.  It is equally reasonable for a homeowner to want to be able to sell his or her home before the sheriff sale. 

 

As a homeowner, the short sale and the pending foreclosure can become overwhelming.  In order to make the short sale an easier process it is important to understand the process and the options and choices that the homeowners have during the process. 

 

There is an amazing new book “Should I Short Sale My Home.”  It covers nearly everything you need to know about the short sale process and the effects the sale has on your federal income taxes.

 

Imagine having knowing how to get your home sold before the sheriff’s sale.  Would that be nice?  And can you imagine how great you’ll feel to have a clear and precise package to present to the lender to get the home sold before it is foreclosed on. 

 

Just a few weeks from now you will understand what a short sale is and what happens if you are an insolvency homeowner who sold your home in a short sale.

 

Did you hear that sold your home in the short sale?  Some homeowners list his or her home and it does not sell before the foreclosure, and the homeowner does not understand why the home did not sell.

 

And it’s not like any book you may have read on short sale of home before foreclosure, the book gives you all of the recent changes to the law that helps the insolvent homeowner and helps the homeowner understand the process of the short sale.

 

Why?

 

Simply, every section in the book is there because you asked for it.  Well, not “you” really.  But from real live questions.  Questions from people who have tried to sell their properties and sold their properties using a short sale, and the homeowner wants to make sure all the capital gain or loss is not going to negative affect him or her at tax time.   Questions from homeowners who wanted to know if they can ever own a home again after selling their home using a short sale.  A face to face question and answer section was completed.

 

And imagine the selling your home before the sheriff sale.  You can definitely do that.  Imagine being in control of selling your home.  Some homeowners are able to buy a home in 4 to 6 years after the short sale.  Not bad just for selling your home before the sheriff sale, huh?

 

·        You can save your family from the embarrassment of the foreclosure process

·        You can save on federal income taxes by proving that you are insolvent due to job loss, medical bills, etc.

·        You could take save your credit from the foreclosure

 

Would that be a great lifestyle or what?  That’s what this brand new book gives you the knowledge of the short sale process and the hope of selling your home before the sheriff’s sale and being able to purchase a home in the future. 

 

To get your paperback copy today for only $15.00 click on this link and get a downloadable copy for $8.00 of  “Should I Short Sale My Home”  http://www.lulu.com/content/paperback/shouldisalemyhome/6381193

 

 

 

 

How to Sell Your Home in Any Market

Originally posted 2009-03-27 05:31:59. Republished by Blog Post Promoter

Yesterday, you got a peak at the content of my new ebook “How to Sell Your Home”.

If you are interested in selling your home….then this is going to be the most exciting message you ever read.

Here’s why:

There is an amazing new ebook called “How to Make Your Home Sell.” It covers nearly everything you will need to know about selling your home…as soon as TOMORROW.

Imagine being able to sell your home in hours after a potential buyer visits the home. Would that be nice?

Do you need to sell…and doing so would make your life easier. And can you imagine how great you’ll feel if the sale happens within hours of making the recommended changes.

Selling your home.

That’s what this brand new ebook will help you do.

And it’s not like any other book you’ve read on how to sell your home

Why?

Simple, every section in the book is there because “you asked for it.” Well, not “you” really. But from real live questions. Questions from people like you who are trying to sell their home.

There is no fluff. Just answers and recommendations.

You’ll discover all types of exciting tips. From what the market is like to what supplies are needed to help your home sell.

Get your ebook copy TODAY for $2.00 each.

Great News, the End to High Property Taxes Is Almost Here

Originally posted 2009-02-13 06:00:44. Republished by Blog Post Promoter

On February 10, 2009, the Indiana Senate passed an amendment for the permanent cap to property tax bills. The bill passed the Indiana Senate with an overwhelming majority of 34 to 16 vote.  The bill goes to the House for consideration, but House Speaker, Patrick Bauer, suggested that the House representatives wait until next year’s session to vote on the amendment.

With the property taxes being an important issue to the residents and the forefront of the Indiana residents’ mind it may not be wise for the House to postpone their voting on the amendment. 

This amendment will cap the property taxes for homeowners, investors, and business owners, alike.  The homeowners would be able to benefit from only paying one percent of the assessed value of the home.  Whereas, the investors would pay only two percent of the assessed value of the property.  Still yet, the business owner will pay only three percent of the property’s assessed value.

If the amendment is passed by the House, Indiana’s resident can look forward to voting on the amend law in 2010.

Hopefully, the amendment will be approved in the House, as well.  If lower property taxes is important to you contact your congressmen and tell them so.  Your voice does have power.

Real Estate in 2009

Originally posted 2010-01-02 05:00:19. Republished by Blog Post Promoter

The real estate market has experienced a lot of changes in 2009. Below are some of those changes from around the blogosphere:

Milwaukee Real Estate Summary for 2009

In 2009 there were 530 more sales or a 10.9% increase over the results from 2008. This year ther were a total of 5379 properties that sold. The months that showed the most improvement over 2008 performance were in Apirl, August, …

Irvine Housing Blog – Irvine Real Estate and Resale Homes – 2009 …

Since today is the final day of 2009, and the final day of this decade, I want to examine the biggest residential real estate news stories of 2009, and recap the biggest news story of the decade, the Great Housing Bubble. …

Real Estate Investing in 2009 And Beyond

Real Estate Investing It is likely that you think of a number of things when you hear the words real estate investing. (…)

Trust Transfer Made Easy

Originally posted 2009-02-12 10:32:22. Republished by Blog Post Promoter

Due to recent changes to Fannie Mae’s financing criteria, an investor may want to consider putting his or her properties in a trust to be able to refinance the properties.  The change affects all investors who have his or her investment properties under a limited liability corporation.  

Today, I found an article at http://blogs.tldlaw.com/estate_planning/2007/02/transferring_re.html that explained a simple and economical way to transfer the properties in to a trust. 

The article goes on to explain what to do if you want to transact any other business with the properties under the trust. 

It is also important to understand the advantages to a trust and consult an attorney before entering in to the trust.

Valparaiso, Indiana Tries to Make City Development Recession Proof

Originally posted 2009-05-30 05:04:41. Republished by Blog Post Promoter

I am happy to see that despite the recession Valparaiso will continue developing the city. The city’s mayor, Jon Costas, announced that “development will continue, but just needs a little tweaking to the plan to benefit the residences of the city.”

The plan that Mayor John Costas proposed will benefit the residences by creating more jobs. The Mayor’s plan consist of guiding new proposed business to existing location and work towards getting more “environmentally friendly” businesses such as, research and development, distribution, and light industries. The city also would like to attract heavy manufacturing company, but that is not its number one priority.

With economical woes all around them, one city is still looking to the future.

Did You Notice What Color Lake Michigan Was This Morning?

Originally posted 2009-05-29 05:00:35. Republished by Blog Post Promoter

Lake Michigan looks green, yellow or some other color of the rainbow due to pollution.Pollution from where this time you ask? Pollution from US Steel’s Coke Plant.  In 2008, it was discovered that the coke plant’s old tank farm that was demolished in 2001 developed a crack.  That crack seeped benzene into the underground water system.

US Steel discovered the leak and subsequently pollution in 2008.  The test revealed that the contamination had reached “600 times the federal drinking water limit.”  Lake Michigan is only a mile from the source of the pollution, and the benzene entered the lake from a plume that drains directly into the lake.

Benzene is a cancerous colorless liquid that floats on top of water.  The liquid is cancerous after long time exposure and when it is in high concentration in food and/or water.

US Steel, however, wants the public to believe there is no hazard stating that the leak was only in its part of Lake Michigan.

The company fails to realize that plant and animal life that has been exposed live in all of Lake Michigan.  The company also does not realize that the fish that are caught for food consumption can contain the deadly contaminate and spread it to humans if they eat the fish from Lake Michigan.

In an effort to disfuse the concerns of the citizens of Lake and Porter counties, US Steel had a public meeting on March 29, 2009 to answer any questions or concerns; however, if you missed the meeting you can contact the US Environmental Protection Agency Region 5 and/or Indiana Department of Environmental Management for more information.

Your Next Closing Maybe Different

Originally posted 2009-02-12 07:00:25. Republished by Blog Post Promoter

At the next closing you attend, you will see a new HUD-1.  The HUD-1 is the 8 by 14 paper that the seller, buyer, and the closing agent all sign to transfer ownership of a property.

The reason for the changes to the HUD-1 was done to allow the consumer the ability to understand the differences between the good faith estimate received at time of application and HUD-1 received on the day of closing.  There are other changes that the HUD-1 will receive, but it is estimated that it may take as long as a year to complete all the updates.  Other changes include:

• improvement to the HUD-1 to make it easier for a consumer to determine the yield spread premium that is to be paid to the mortgage broker
• Still yet, another change will prevent mortgage brokers from changing certain costs that are stated on the good faith estimate. 

Remember to read all documents that you sign when you orginate your mortgage and make sure that you understand your good faith estimate.  The new HUD-1 will help you to easily see if any cost have changed since the orgination of your mortgage so compare the good faith estimate to the figures on your HUD-1.

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