A quick real estate deal helps you make money fast…and without a lot of headache. You can work from home, work part-time, and even start investing in real estate without a lot of start-up capital. It’s no wonder that fast-turning real estate is one of the fastest growing segments in the field of real estate investing.

Generally speaking, there are five ways you can benefit from quick turnaround real estate transaction strategies. In this article I want to talk about one of them. It’s a staple of real estate investing, and is commonly referred to as “rehab and retail.”

In fast real estate, when you buy a house for a low cost and sell it for a higher amount, it’s called a retail sale. You buy a house ‘wholesale’, perhaps make some modest repairs, and then sell it for a profit. What kind of profit are we taking in quick real estate? How much you earn will depend on whether you work full or part time and how many houses you sell. The average profit per sale is $20,000 to $35,000. In real estate investing… those are good numbers!

In this sense, real estate investing is similar to any business in which the price of an item is increased before it is offered for sale. And like any other business, it can fail.

In addition to being one of the most popular ways to profit from quick real estate, rehab and retail is also one of the most profitable. Yet despite the money that can be made this way, rehab and retail remains one of the most misunderstood techniques in real estate investing. Although the process sounds simple (buy, fix, sell), the reality of retail and rehab transactions is quite different. There are many costly issues that can arise with rehab and retail, especially during the repair process. For this reason, I recommend that novice investors choose another fast-turning real estate investment strategy.

Does that mean I’m saying your real estate investing business should never focus on rehab and retail? You are welcome. In fact, if you really enjoy home renovations and really have fun transforming a fixer-upper top into a “castle,” then it may be well suited for rehab and retail demands.

If that’s the direction you’d like to go, let me offer you these

Top 4 Tips for Getting It Right With Rehabilitation and Retail Transactions

Location, location, location – Limit your purchases to areas where qualified buyers will want to live. No matter how well you renovate, it’s going to be hard to sell a home in a high crime area. Why take unnecessary risks? Stick to better neighborhoods for your real estate investment.

Don’t Assume Anything – Under no circumstances (that means NEVER) close on a property until you have appraised and appraised it by professionals (contractors, service personnel, etc.) so you know what repairs are required, how much those repairs will cost, and what it will be worth home (repaired value) when work is complete.

Expect the unexpected: Inevitably, home repairs will take longer and cost more than anticipated. It’s one of the biggest downsides to this fast-turnaround real estate strategy. Be sure to borrow enough to cover more than just the purchase price and estimated repair costs so that you have a ‘cash reserve’ to fall back on.

Trust no one – I know this sounds harsh, but contractors, on-site workers, and others involved in home renovations are notorious for poor business practices. Get recommendations from people you know, if possible. Supervise the work and keep a close eye on the progress and final result.

When you do a short sale, the lender will most likely ask for a BPO.

BPO stands for Brokers Price Opinion and is a process by which a real estate agent

Appointed by the lender, he goes out to appraise the property and give his “opinion”

about what the value of the property is. So the lender sends a real estate agent to the

property and it is your job to influence the BPO to go as low as possible.

This is the whole key to a successful short sale. This is why you want the lender

get in touch with you, so you can meet the estate agent at the front door and influence your

BPO to get as low as possible. To build your case, the first thing you

All you have to do is show up with a list of repairs and estimates for the property. If you

You have to go find a contractor to bid on a job or repair, go find one. The higher the quote,

the best. This is good evidence. The second thing to do is introduce yourself with

a list of comps in the area that are low. Most real estate agents appreciate you

doing some of their work for them. Give them the lowest compensation you can

find and they will decide if they want to use them or not.

When you meet the real estate agent on the property steps, simply tell them that you are the buyer and

doing a short sale of the house. You will then proceed to walk with the real estate agent.

through the property. When you are walking around the property, be sure to

Please point out any and all repairs or problems with the property. Again, you are trying to

keep the value of the house as low as possible. If you are dealing with a

nice house with minor cosmetics, you may really have to look for trouble.

Then call him the next morning to see if you were able to get the price you wanted. Sometimes they will tell you, sometimes they won’t. Just ask to find out. If they don’t tell you, call the bank. Many times they will tell you. You really have no control over this process. You can encourage low BPO, but this doesn’t always mean it will be low.

If there is someone living on the property, you can ask them to leave when

the real estate agent goes out to do a BPO. If they can’t, just tell them to stay outside.

of the way Explain to them that you will try to make the value of the house appear as low as

as possible. They may not understand why, just tell them it’s the only way to save

his house. Also, tell them not to worry about cleanliness at all, just leave it as it is.

is. This is the only time your house can be a disaster. You have to do the value of

The property is looking as low as possible.

If the loan on the property is FHA or VA, they will not take less than 82% of the BPO.

Typically, you can expect BPO to be in the 80-90% range of

repaired value. So if you have a home that is worth $120,000 after repairs, the BPO

I’m guessing between $98,000 and $108,000. Then multiply that number by

82% and this should give you a good estimate of what to offer. If you are not a VA/FHA

loan, then you can offer whatever you want. It’s a good idea to start low, right at

In case your BPO is lower than you thought, you can always raise the offer. He

it’s an educated guess to find out what the BPO will be. If he comes back

high not in your favor, sometimes you can call the loss mitigation department and

tell them the BPO is too high. Many times they will work with you and

order another BPO. Whatever you do, never give up. If they don’t accept it,

negotiate with them some more. Ask them what they are looking for or what

they are trying to get. Sometimes they will tell you, sometimes they won’t. Be

persistence. Be patient. Ask, ask, ask. Part of being successful in this business is

how do you negotiate You never want to be rude to them, but let them know

where are you. Let them know what is happening to the property.

Investing in real estate scares some people. Understanding what will happen when you invest, and even how to do it, can leave most people baffled. This article has been compiled to provide you with some easy yet effective tips for entering the exciting field of real estate investing.

Remember that real estate investing is all about the numbers. When you’re buying a house to live in, you might get excited about the place, but there’s no room for that in the investment. You must be aware of the data and make your decisions with your head, not your heart.

Don’t be afraid to spend money on marketing. It’s easy to just focus on the numbers and see how much marketing is costing you. However, it is important to think of marketing as an investment in itself. If done the right way, it will only benefit you in the end.

Keep an accountant on speed dial. You will be able to be aware of the tax laws and current taxation; however, there are many variables to take into account. A good accountant, who understands and stays abreast of tax laws, can be an invaluable asset. His success with investing can be made or broken by his approach to taxes.

When negotiating, you should limit the amount of talking you do. You’ll be surprised how often someone else will do all the work for you just by letting them do the talking. Plus, because you’re listening, you’ll catch the right moment to strike for the price you’re after.

When looking for investment properties, look for those that are likely to increase in value. Buying anything near water or near other businesses will be beneficial to you later. Think about the big picture and the chances that it will increase in value.

Don’t let your emotions cloud your judgment. Choosing a property to invest should be a business decision, not an emotional one. It can be easy to become attached to a house or really fall in love with a place. Try to always look at things objectively. Shop around for the best deal without getting attached to one of the first places you look.

Find a contractor to work with that you can get along with. There’s no reason for someone to help you fix the real estate he invests in if you don’t like how it works. You can save yourself a lot of frustration by finding someone you know will work well for you.

Stay away from deals that are too good to be true, especially with investors you can’t trust or don’t have a good reputation. It is important to stick with those who have a good reputation because getting scammed in this business can cost you a lot of money.

Build your real estate investment buyers list with online ads. For example, you can use social media, online listing sites like CraigsList, and/or the local newspaper to draw attention to the properties you have for sale. Be sure to retain contact information for each person who shows interest, so you have a complete contact list as you add new properties.

Know the value of your time. You may enjoy renovating properties, but is the time you spend on it time well spent? Consider whether your time could be better spent looking for the next opportunity. If you can outsource certain jobs, then you should. It pays to free up your time for the more important aspects of your business.

Don’t buy property in a bad neighborhood. Pay close attention to the location of the property you are interested in. Be sure to be very thorough when looking at the area. Houses in bad neighborhoods tend to have a low price. The property could be at risk of vandalism and may be difficult to sell.

If you are considering purchasing rental properties, consider hiring a property manager who can help you select qualified tenants. Because rent payments are likely to be the source of your mortgage payment, your tenants must be reliable. Otherwise, you may end up losing money.

Before you buy an investment property in a neighborhood, find out if the city has plans for the areas surrounding this neighborhood. For example, you may not want to buy in an area if the city is proposing to turn an area into a landfill. If there are positive improvements on the horizon, this may be a good investment.

Don’t let a real estate investment deplete your emergency reserve or cash fund. When you invest in real estate, you often won’t be able to access the money for a while. Don’t let this situation destroy your ability to live from one day to the next.

Know what to look for in a property based on current market trends. For example, if you are going to rent the properties you buy, then it is better to have units that are for single people, which is a current trend. Another example is making sure that any house you buy has three or more bedrooms because it will be easier for you to sell or rent to families.

As you can see, there is a lot of information to learn about real estate investing. This article has provided you with the proper foundation on real estate investing. So, remember what you’ve learned, keep learning, and start investing in real estate today.

Your debt has spiraled out of control and you are now considering filing for bankruptcy.

Filing bankruptcy has become a looming nightmare for many families and individuals who feel they are at the end of their rope.

Although many consider it the last resort to solve their debt problems, it is not the end of the world. You can get your good credit standing back and even back, but it takes work and discipline.

If your debt is simply more than you can handle, your last option should be yours. It can be scary, especially if you don’t know these 7 facts.

Filing bankruptcy will cost you more than you think.

Filing bankruptcy itself is not that difficult, but you should be prepared before doing it.

Get all your finances in order on everything you owe and count every penny you spend before seeking the services of a bankruptcy attorney. This will save you a lot of time and help shorten the filing process.

So what are the 7 scary facts about filing bankruptcy?

Some people may think that once you file bankruptcy, all your debts just go away. This is not true.

#1. If you are paying a home mortgage and want to keep your home, you will still have to make payments on the “plan” established by the court.

#2. You can surrender your home allowing the mortgage holder to repossess it, thus eliminating the payment. However, you will no longer have your home and will have to find another place to live.

What about my cars?

#3. If you own a car and want to keep it, a portion of the balance owed to the lender is added to your plan payment. Again, it’s not free for you to keep it.

#4. You probably won’t be able to keep luxuries like boats and other recreational vehicles if the court finds them to be an asset that you could turn into cash to pay off your other debts.

Do I have to pay my debt to the IRS?

#5. If you owe the IRS, rest assured they will receive their share. Only if your debt to the IRS has passed the statute of limitations does it evaporate.

What about my credit card debt?

#6. This can generally be considered unsecured debt and will be deemed uncollectible. As a general rule, this debt is not calculated as part of your plan payment.

#7. As you can see, filing for bankruptcy will cost you. All attorney fees, court fees, filing fees, calculated debt loss to creditors, all are added to your plan payment.

You will still have a monthly payment. Not only that, it will be deducted from your paycheck through your payroll deduction. It is still your responsibility to make sure that all payments are made and made on time.

The thing to consider when filing bankruptcy is to weigh the costs involved against what you owe and how long it would take you to eliminate the debt through other means.

If you still feel that filing for bankruptcy is your only option, seek the advice of a good bankruptcy attorney.

The ICM Marketing Group (ICMG), the leader in the timeshare reselling industry, warns timeshare owners to be on the lookout for scams and other deceptive solicitations when attempting to resell their timeshare. shared time.

If you are a timeshare owner, you are no stranger to the deluge of telemarketing attempts to get you to sell your timeshare. Even if you are in the market to sell, it is important that you know exactly who and what you are about to do business with. Below is a list of timeshare scams that ICMG suggests you be on the lookout for.

Timeshare Resale Scam #1: “We have a buyer ready for your timeshare.”

This is one of the most used tactics in the timeshare resale scam toolkit. The company that tries to hire you will first ask if you want to sell your timeshare. They will then proceed to tell you that they already have a buyer waiting. The deal breaker for this timeshare resale scam is when the timeshare owner is quoted with an offer that far exceeds the actual value of the property. For a fee of a few hundred dollars, the company tricks the timeshare owner into thinking that their property will sell for this inflated asking price.

This timeshare resale scam relies heavily on luring the timeshare owner into believing they are trading pennies for dollars, by making the fees seem small compared to the promise of making a killing on the sale and a buyer waiting in the wings.

The best way to avoid this timeshare resale scam is to first ask them questions about your timeshare. If they have a buyer waiting, then they should clearly know everything there is to know about your timeshare. If you don’t know the details down to the last point and cent, I can assure you that there is no buyer. Make sense? No one is waiting, checkbook in hand, waiting to buy a mystery… ever!

Timeshare Resale Scam #2: “We guarantee to sell your timeshare in X number of days”

What’s better for someone to part with their hard-earned money than to give you a good, old-fashioned, time-sensitive warranty? This timeshare resale scam tactic again starts with the phone request for you to sell your timeshare. You see, some timeshare owners want to sell their timeshare. Other timeshare owners need to sell theirs. Putting a date and deadline on the sale is usually enough to bring down even the most die-hard skeptic and pay the fees the company requires to sell your timeshare.

Avoiding this timeshare resale scam is as simple as making a clear distinction:

Unless the company is a real estate broker, then they are not selling your timeshare…you are! Also, unless they are a real estate broker, they cannot guarantee that your timeshare will sell or how long it will take. At best, the company can only bring you offers from interested buyers because, by law, they cannot accept them for you.

Also, as a main point, a real estate broker will not guarantee when your timeshare will sell, even if they are the best in the business, so non-brokers should be clearly suspicious of making such claims.

Timeshare Resale Scam #1 Tip #3: Fees to “list” your timeshare for sale by owner.

This timeshare resale scam starts with the same phone call asking you to sell, as well as some of the tactics we just discussed. During the launch, they will tell you that they have a website that gets a lot of traffic from people who are eager to buy a timeshare every day. For a fee of a few hundred dollars and sometimes more, they will list your timeshare on their site.

Now this type of service is not completely illegitimate. These companies will list your timeshare for you, but here are some interesting facts to consider before doing business with these listing agencies:

1. You can post your own timeshare for sale by owner for free.
2. What’s more, you can list your timeshare for sale by owner for free every day, until it’s sold, at http://www.Craigslist.org
3. Your chances of success will be just as good, if not better, because ultimately Craigslist.org receives more website visitors per day than all of these timeshare listing websites combined. (compare some sites to Craigslist at http://www.Alexa.com)

However, there is only one problem with this strategy…

Timeshare is often an impulse purchase that occurs under intense sales pressure at the resort. While people wake up in the morning wanting to take a vacation, they don’t wake up in the morning to go online and buy a timeshare to take that vacation.

Did you buy your timeshare online? Not likely.

Also, because timeshare is a luxury item, it differs significantly from real estate. It is not a necessity item like a house or a car and therefore should be treated differently. You can list houses and cars on the web and expect to receive offers quickly, but this is not true with timeshare.

Successfully selling your timeshare on the timeshare resale market requires aggressive marketing to a highly qualified and targeted group of people. Nothing less will get the job done in an acceptable time frame with an acceptable offer.

Always be wary of requests to sell your timeshare or you may fall victim to one of these timeshare resale scams. Simple logic should tell you that someone asking you to sell is probably more interested in getting a quick rate than finding you a buyer!

A company that asks you to buy timeshare probably has the seller’s best interest in mind.

The 3 things to look for in a legitimate timeshare resale company are:

1. Whether or not they are licensed and bonded in the state from which they operate,
2. Do they have an A rating with the Better Business Bureau and are they quick to resolve complaints?
3. Does your contract include the state statute required for contractual agreements made over the phone?

If the company does not meet all of the above requirements, do not do business with the company.

ICMG sincerely hopes that you find this list helpful in avoiding timeshare resale scams and that you will be successful in reselling your timeshare on the For Sale By Owner marketplace.

good medicine?

So why not leave good enough alone? Do I really have the energy to make my wife feel like a million bucks? Well, taking care of our relationship with loved ones is good medicine.

Having someone to love and nurture is an integral part of being human.

Having someone to love and nurture us is just as important.

Life and success are so much sweeter when you have someone to share it with.

What good is a great story without someone to tell it to?

Love is the spice of life!

But yes…

But what if your love life isn’t so sweet? What if you feel like you’ve tried everything and she’s still not happy? And you neither? So what?

There is bad news and there is good news…

The bad news is that relationships take work to maintain their quality. Over time, we all tend to get comfortable with each other, and before you know it, we’re taking each other for granted, overstepping each other’s boundaries, and simply ignoring each other.

Now, you might be saying, but she doesn’t appreciate me. I work 70 hour weeks to support my family and all she can do is complain that she doesn’t share enough of me. However, I can’t find a moment where we’re not arguing or giving each other the silent treatment.

Well, these are real topics to talk about. But, you can benefit from letting go of the past.

Previously, you may have thought that you should learn from past mistakes, and this is sometimes true. But, when we get so emotional about past problems and arguments that we’re not in the mood to try to make things better in our marriage, then it may be time to forgive or at least forget.

In no way am I blaming one partner or the other. It takes two to tango.

But, if you’re sick of feeling bad every time you get home, then what you need to do is take the first step or two towards a better relationship.

Now, your next thought is probably, hey, why do I have to be the one to make the changes first? One thing about marriage, if you want to be really happily married, you have to stop keeping score.

So, are you ready to start the first day of your NEW marriage? The one where you can’t wait to get home to your wife to tell her how your day was? Where do you have great vacations together? Where do you always feel loved, appreciated and respected?

Well then, let’s get started!

The good news…

Women like certain things. Doing those things will change the dynamics of the relationship dramatically and relatively quickly.

There’s a lot you can do to reawaken that old love in your partner, to make them feel loved, appreciated, and yes, like a million bucks.

NOTE: Before you read on, take some time to think about her and what she

He REALLY cares. This step is very important to define your preference among the many behavior options in the Love Action List.

Some women love receiving gifts, others just want you to sit down and talk to them, and still others want you to respect them by helping around the house. It is important to find the right “recipe” for success.

speak to his heart

By examining the evidence your wife has given you, you can create a Love Shares plan that is perfect for her. By the way, just knowing that you are thinking of her and her preferences would warm her heart. Write down the answers to these questions from memory. Don’t think about whether she would like to recreate them, just write them down for now.

What did you love to do together, but now you don’t usually have time?

Is there something she’s been asking you to do that you’ve been putting off?

When do their eyes smile when you say or do certain things?

Where have you always wanted to go, but never made it?

________________________________________________________________

________________________________________________________________

________________________________________________________________

________________________________________________________________

Now, with those things in mind, go through the list. Check off a few ideas that most closely match the ideas you have above or any new ideas that you think would really excite her and make her happy.

Love Gifts Action List

□ First of all, I know this seems overly simple, but sometimes all a woman needs is attention and time. Reconnect with her with this simple formula:

Attention + Time = Millions of dollars!

Attention = Listen to her and really think about what is important to her.

Time = Undivided. Find a place away from home; leave cell phones and PDAs at home. Keep in mind that you may not have REALLY listened to it in a long time, so it may not be easy. TALK to her about what interests her. RESPOND by asking additional questions and trying to learn something new about her. Try to do this at least once a week.

Some questions to help you reconnect:

What regrets do you have and what challenges do you face?

What are your biggest fears?

What’s the craziest thing you’ve ever done? or do you want to do?

What are your hopes and dreams for the future?

When you are older, how will you measure your success in the life areas of family, love, and money?

□ Schedule a weekend off work where the two of you can hang out together. First ask him where he would like to go. Spend time walking, eating, or just resting. Take her shopping for a special gift. Ask him what he really wants and wait patiently, saying that you want something to remind him how special he is to you. Think about when you were dating. Talk about why he was attracted to her and why

fell in love.

□ Buy her a card and write her something special. Tell her what you appreciate about her and how much you love her about her. Try it out on scratch paper first and see how it sounds.

Think about when you were dating. Would he have scribbled I love you? Or would you have kept talking about how it looks and smells etc.? And how does it make you feel when you see it or when you are around it?

□ Get your message across in different ways! The element of surprise can make life more fun and exciting. It also shows that you love her very much and can’t wait to tell her. Write a sticky note and put it in her briefcase. Leave a message on your voicemail or answering machine. A little goes a long way when it’s not their normal behavior. She will start to notice the change in you.

□ Make an effort to speak well of her when you talk to your friends and family. When someone asks you about the kids or her business, find a way to give her a glowing review or compliment. Her heart will swell and her mind will establish her as safe within your heart.

□ Do something new and fun together. Our busy lifestyles make us forget that having fun is important. Instead of going golfing with your friends, ask him to go to the amusement park or play with you. Do something you’ve never done before or haven’t done for many years. Bake a cake, sing along to the radio, play miniature golf; something not too competitive that gives you time to laugh together again.

Laughter is the best medicine for a tired marriage.

Now, write down any ideas that have come to mind. Also, write a date and time for the chosen activities. Be sure to ask him if his schedule is clear.

Date: ____________

______________________________________________________

Date: ____________

______________________________________________________

Date: ____________

______________________________________________________

Hopefully, you have found inspiration for your next few days. But, if you can sense that there is too much tension between you, maybe you can start slowly. The first suggestion of time and attention is usually a good start in any marriage. You may find that you need a supportive environment to get started. If so, support is here.

Support

Relationship coaches all over the world are supporting and empowering couples, helping them start living their life the way they always wanted to, but didn’t.

I don’t know how Once a week, time is spent brainstorming solutions to issues and problems with excellent results to keep their relationship healthy and satisfying.

Start now!

Please let me know about your experiences and how this changes your life!

When a homeowner decides it’s time to sell their existing home, it can be for any number of possible reasons! Some are obvious, such as financial challenges, job relocation, changing personal needs, priorities, etc., while other motivations may be more personal, etc.! Regardless, however, in my more than 15 years as a licensed New York State real estate seller, I have learned, and strongly believe, that a primary initial decision, often with significant impacts, is the price of property. initial price, when the house is originally put – on – the – market, to sell. Basically, there are 5 basic strategies, for pricing, your house, for – sale. With that in mind, this article will briefly attempt to consider, examine, review, and discuss what they are and why it is important.

1. High end of the range: Especially in these times, where, we see, a combination of limited available inventory, near-record low mortgage interest rates, and a seller’s market, many homeowners seem to prefer to price their homes on the higher end. , of the range! In some cases, this strategy achieves its objectives, but often the risks of houses not ending up selling using this strategy should only be considered when the seller is willing to take some risk (hoping for greater rewards) and is not under time pressure.

2. Medium, of the range: In most cases, the smartest approach is to price a home in the middle of the suggested range by preparing a professionally designed/created competitive market analysis (often referred to as a CMA). This usually creates strong demand from qualified potential buyers!

3. Lower third of the range: There can be several reasons for this approach to the listing price! Typically creating significant demand from qualified buyers and helping to sell the home, at the best price, in the shortest amount of time, with minimal hassle!

4. Prices above the high point: During certain real estate markets, such as the one we have been witnessing for several months now, we often see listing prices set above the high end of the listed range! When prices rise rapidly, this can help get more money for the home, but since most buyers use a home loan to help finance/pay for the home, doing this risks home appraisals! that do not justify, perhaps, the size of the desired loan!

5. Below the lowest point: The establishment of an initial trading price, below market levels, may be indicated under certain circumstances/conditions. This approach can be effective when a seller wants a faster sale and believes that creating a so-called bidding war might make sense. It can also be a good approach, for marketing houses, with some unusual circumstances, needs, goals, and priorities!

Whichever strategy or approach is used, it is important to realize that there is a significant difference between listing and asking prices. Will you be an educated, informed and smarter home seller?

You’ve gone through the long and tedious process of finding your perfect home… You’ve made an offer, it’s been accepted, and now it’s time to apply for a mortgage. Who do you turn to?

There are many banking options when it comes to mortgages and when it comes to selecting the right banking partner to help you get the home of your dreams. There are many things to consider. Most notable are the interest rate, the length of the loan, the closing costs, etc.

However, one thing I have learned after buying a few properties is that the bank you select should be a real consideration. Although banks aggressively try to get your business, once you select a bank, the tides begin to turn, and that once friendly and understanding bank suddenly becomes very difficult to deal with.

That is, if you select the wrong institution…

Once the process has started, switching to a new bank can be an expensive decision and shady banks know it. The change process would be a hassle for all other parties involved, such as your real estate agent and your title company. Also, if you were to switch after just a few weeks, you may have to pay a significantly higher interest rate if interest rates rise.

You do not want that! Therefore, choosing the right company from the beginning is essential so that you can access the house of your dreams in the best possible way.

I learned this the hard way when I decided to go for an AmeriSave mortgage. After going through this process with other mortgage companies, even in late 2008 after the financial crisis, I had a reasonable understanding of how the mortgage process worked.

But I had an unfortunate wake-up call just weeks after my AmeriSave mortgage experience. From my perspective, the banking company pressured me just for sport. It seemed they almost enjoyed making my life a living nightmare. Making me fight to obtain documents that were difficult to acquire. The fact that they are asking me for some of these documents is absurd…

What kind of documents could I request?
First was the number of documents. At first it was 10, then 20, when I finally thought I was done, I had 10 more, then another 10. In total, when I finally completed the process, I must have submitted 50-60 documents.

Some of the weirder ones include:

• Current year K-1 tax papers for stocks I no longer even owned. He didn’t have them, and unlike other documents, tracking them down proved extremely difficult. In the end, I found out that those documents did not even exist. I then had to provide proof if none existed.
• I had the chase for one of the HOA bills for my rental property. This shouldn’t have been a big problem, since I provided AmeriSave with the document initially, but it turned out that the HOA bill I provided was from the previous quarter, and that wasn’t good enough. I had to get the HOA bill for the current quarter even though it was the same dollar amount.
• Since my wife had sent me a gift to help me purchase the property, AmeriSave wanted my partner’s bank statement. It’s not a big deal, I ordered it and got it. Unfortunately, they also required him to provide his other bank accounts that were NOT part of the gift. Why does someone who is not on loan have to provide bank accounts that have nothing to do with the loan? My partner was reluctant and for good reason. What business does AmeriSave have to demand to see someone’s private bank accounts that are not connected to the loan and not on loan? Good thing they didn’t ask for my mother’s bank accounts!
• AmeriSave also asked me to contact my accountant and write a letter stating that my business was currently active. This seemed like it didn’t make much sense for several reasons. For one, I had been in business for almost 20 years and I just gave them a new tax return. Did they think I would dissolve my business? Second, my accountant only does my annual return, so he doesn’t have any first-hand knowledge of my business other than what’s on my tax return, which AmeriSave already had. Finally, they had already provided that my business was active by providing real-time statements showing company receipts. So, they can see firsthand that money was pouring into the company. So why did they want me to contact the third party that had less information than they did and beg to create a document for me? It’s one thing to make me chase documents. Still, it’s even more complicated when I have to go to a third party and ask them to create a document, especially when that third party doesn’t have firsthand knowledge of the information AmeriSave wants me to provide. Why would that matter when they see the business make money? It would be like demanding a copy of a document when you already have the original.

It took some time, but after completing all the requirements, I finally got a Certified Loan Approval that was good for eight weeks! That shouldn’t have been a problem because the loan would close in four weeks. I worked hard to get everything they needed, including begging other parties to give me personal information or creating letters for me to get certified approval before we lost our collateral money.

I was ready… or wasn’t I?
A week before closing, AmeriSave sends me another huge list of requirements! That? Oh no! Wasn’t it already certified? Is the official document that I received certifying me not real? Do I have to start this painful process all over again? Why did you wait almost three weeks to tell me that I would have to do this all over again?

The first time I went through this process it was pretty stressful, but now I’ve given the landlord 30 days notice and sold half my belongings in preparation for the move. I did this because I was confident in the fact that it was certified.

Now we have another massive list of absurd new requirements, even though they are already certified.

• AmeriSave wanted a disclosure and waiver document from my broker. When I asked him, his response was, “Hahaha. I can honestly say that I’ve never had a lender ask me that before.”
• AmeriSave wanted me to provide a lease for my rental property because it wasn’t on my tax return… The problem was, it was on my tax return. Stop wasting my time!
• They wanted a copy of the deposit check. The problem was that we paid by transfer and they already have the transfer documents. You are idiot?
• They want another letter from my accountant that my business is active. So now I have to contact my accountant again and ask them to write the same letter that he wrote three weeks ago?

It’s like AmeriSave makes me do things for the sake of making me do things. Quite frankly, I called and emailed my loan originator, trying to figure out what was going on, asking him to call me back ASAP. I did not receive any return phone calls. Instead, I received a short, dismissive email saying that I had been pre-approved, but now a few things need to be updated.

However, that is not the case! I had an official certified loan approval that was good for a specified amount and good for eight weeks. I sent him another email asking him to get back to me ASAP, and with only a week to go I think he was justified, but no response.

I ended up missing my closing date because they didn’t approve my loan. Once again, they wanted more documents. I missed the second closing date because they were still slow to approve me.

The worst part is that when they don’t approve the loan by the deadline, they delay the process. When the process is delayed, many of the documents that were filed now become outdated. So now they demand new documents again.

Wait… So I have to get new documents now because you didn’t do your work on time?

In the end, I must have submitted 120-140 different documents and missed two closing dates, finally closing right on the third deadline after complaining to AmeriSave management about my loan officer, who had no sense of urgency. .

I was lucky enough to barely get out of one of the most stressful situations of my life when the sellers threatened to walk away, so I missed my third installment.

In the end, it worked out fine, but I can tell you that I would never work with AmeriSave again. My warning to all homebuyers, unless you want to deal with a lot of extra stress and a bank that doesn’t care about their customers’ closing date, stay away from AmeriSave.

Many young people born into the “digital age” have probably never heard of a record player or played vinyl records on a record player. According to the International Federation of the Phonographic Industry, the popularity of record players peaked in 1981, when worldwide vinyl album sales exceeded 1.1 billion. Since then, new technologies such as CDs, DVDs, iPods, and smartphones have revolutionized the way people store and listen to music. However, the turntable is far from dead. With that in mind, here’s a look at the relevance of the turntable in this modern age:

The revival of the turntable

There are several reasons why some people, both old and young, prefer turntables. For starters, some music enthusiasts claim that turntables produce richer, more organic sounds because vinyl records contain continuous signals instead of the 44,100-sample-per-second signals found on CDs. Second, nostalgia. Some people who grew up listening to music from turntables find the act of playing vinyl records more satisfying than opening mobile apps for the same reason.

These factors have forced some record labels and even artists to put new releases on vinyl records. According to a New York Times article, six percent of Daft Punk’s Random Access Memories album, a French electronic music duo, was on vinyl records. Other musical acts and artists who have taken a similar approach include Vampire Weekend, Front Bottoms, and National. Rainbo Records, a Canoga Park, California-based turntable vinyl company, claims it produces between 6 and 7.2 million records a year.

The future of the turntable

Although music remains one of the most popular art forms, it is unlikely that the turntable will play a significant role in its consumption in the near future. This is because people want to listen to music while jogging, driving to work, or during their lunch break. You can think of it as music on demand. Unfortunately, a turntable is unlikely to be of much use in any of these scenarios because it’s not easy to transport. However, they will continue to be a niche product widely used in DJ booths, radio stations, homes, and recording studios.

Some of the key factors to consider when shopping for a turntable at an electronics store include features, build quality, cost, and cartridge type. The cartridge is particularly important because it houses the stylus that reads the grooves on a vinyl record. By taking all these factors into account, you will be able to find the best affordable turntable on the market.

One of the most frustrating episodes one can encounter is denial of housing. Apartment complexes, which are actually run by real estate management companies, use a number of factors to determine who should and should not rent. One of the most common factors they use is a criminal background check. A criminal record can be one of the biggest obstacles one can encounter in the process of renting an apartment.

The reason apartment communities require a background check in the first place is for the safety of the community in general. There is a general consensus that people with violent pasts are bound to fall back into their former destructive habits. The concept that history repeats itself seems to be a prevailing belief in many places when it comes to criminal records and nowhere more so than apartment leasing offices.

Another reason that apartment leasing offices perform a criminal background check is to create the appearance of safety in the community, and by doing so, justify themselves in charging more rent. If a neighborhood or apartment housing community has a high level of crime, tenants will not want to renew their leases and this means more housing units will be vacant and management has to fill (or risk being censored by the owner). The more housing units that are vacant in an apartment community, the more it hurts the management’s bottom line because this lowers the rent.

When conducting criminal background checks, apartments typically focus on felony convictions. Misdemeanors that are only punishable by fines are generally not a cause for concern. If you have a misdemeanor, you don’t need to worry, but if it is a felony, you can get a denial.

There are two main ways to get an apartment approved if you have a criminal record. The first is to verify the nature of your crime and see if you received what is called a deferred adjudication. This is a probation granted to first time offenders and is also known as community supervision. If you were convicted of a misdemeanor and were released on probation, you can go to the county clerk’s office and request what is called a court plea. This is a printout that shows the crime, the court that heard the case, the judgment that was entered, and the fact that you have deferred adjudication. The printout also indicates that you have successfully completed community service without any other incidents and that you should not be discriminated against when it comes to services. You can take a copy of this document to an apartment manager and in most cases they will approve it.

Another way to get an apartment is to get an expungement. This is the sealing of your criminal record and can be done depending on whether you are eligible. There is a great e-book on the market on how to get an apartment even with existing criminal records and bad credit and you can get it at [http://www.simplecreditsecrets.net]