Do you have a mortgage? Are you looking for ways to save a little bit of money off your current mortgage? Well, the nice thing about 2013 is that you can save a lot of money off your current mortgage by taking a look at what is out there. A lot of people assume that just because the housing market is towards the bottom that it doesn’t make any sense to buy right now. Honestly, now is the time to buy a house if you can afford it.
So, what are some of the smart mortgage moves that you should be making in 2013?
The first thing that you need to understand is that the interest rates on mortgages are the lowest that they have ever been. What this means to you is that you should be doing everything in your power to get a mortgage today. A lot of people think that they will have time in a year or two to get their home but the truth is that the interest rates are only this low to help get more people to buy a house. Once people start buying more houses and the real estate market returns to where it once was, then the interest rates will return to where they once were as well. It is because of this that you should take full advantage of the interest rates while they are so low.
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While taking out a college loan can be a valuable resource to afford a higher education, it is incredibly important to consider a few things before you do. About 60% of people who go to college take out student loans to supplement their tuition and other costs, but it can have serious implications, especially if you have trouble paying it back. Out of all the students that do rely on loans, a staggering percentage is having trouble paying them back. This is not the fault of the lender or even the interest rates, but mainly because of the dismal job market. Basically, new college grads are finding it harder and harder to find work.
Here are 5 things to consider before taking out student loans.
Make sure that you read between the lines. Often there might be hidden fees or changes of interest rates, which can severely affect your chances of ever being able to pay back your loans. A financial aid counselor should be able to guide you through all the terms of your aid package so that you aren’t missing anything. If you are, they will certainly point it out or answer any questions that you might have.
There are different types of financial aid that are available, so it is important to know which one works best for you. There are financial aid programs that offer loans that you will need to pay back or you can apply for a state or federal grant, which is essentially free money to be applied to your higher education that you don’t need to pay back. It’s wise to find out what you are eligible for, before you sign up for anything.
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There are a few reasons why people decide to host a garage sale. They may be moving and they don’t want to have to pack and haul all their stuff with them. Or maybe they’ve simply grown tired of all the boxes of unused stuff in their garage and they’d like to clear them out so they can once again use the space for its intended purpose: parking the car. On the other hand, they might just be in need of some extra cash. No matter why people have garage sales, though, all are seeking the same outcome – they want to make as much money as possible while getting rid of the items they no longer use.
So if you’ve got a garage sale on the horizon and you want to do everything you can to ensure a fruitful experience, here are some tips that are sure to get the goods gone and the money in your hand.
Advertise wisely. Knowing how and where to advertise for a garage sale is the biggest part of attracting buyers. After all, you don’t stand to sell much if nobody knows you’re having a sale. So put an ad on Craigslist, advertise in your local paper, and hang brightly-colored signs and balloons at the busiest nearby intersections to ensure that people know a sale is happening. And don’t forget to include major items for sale in your ads as a way to entice people seeking specific purchases.
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There are many pros and cons of paying off your mortgage early. Many homeowners would jump at the chance to pay off their mortgage if they could, but there are often many unforeseen circumstances if they do, like increased taxes and expenses. However, if you only have a few mortgage payments left it might be worth it to get it over and done with, because of the accruing interest it can put your last mortgage payment further and further away. While the homeowners market is still better than the renters market, it is important to know where you stand before you pay off your mortgage early.
For one, you could save a lot of money. A mortgage is just a fancy banker name for a home loan. With any loan there will typically be interest rates until you can pay it back in full. This is a clever way to adjust for inflation, which is important when it comes to a mortgage, because you will be making payments over a long period of time. If you pay your mortgage off early you could be saving a few hundred thousand dollars just in interest rates alone. Usually this is only worth it when you are about 10 years away from the end of a 30-year loan.
Next, by effectively getting rid of your mortgage payments you will have a lot less to pay for in terms of living expenses. This can give you more room to pay for things like vacations and other luxuries that you otherwise couldn’t afford. Or you can be smart with the extra money and invest it in the stock market or in another property and rent it out. When it comes to having extra money, it is always about finding a way to make it work for you.
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Do you work in customer service, or more particularly, do you work in sales of some kind? If you do, here is a tip that will make your job and your life much easier. The key to becoming a successful salesperson is to take the time to get to know your customer or client.
How do you do that? Let’s take learning Link how to sell a phone as an example. First of all, before you do anything else, ask your customer what they are looking for in a phone. Do they want a data plan or do they just want to be able to talk? Is this phone for emergencies only or for everyday use? Do they need long distance? Do they want to be able to text? How often will they be texting?
Now, while you are asking all these questions, don’t forget to listen. Take good notes of all the particulars. This way you won’t be wasting your time or the customer’s time. You will know exactly what your customer wants and needs by the end of your queries.
This is a much better and more effective sales tactic than just simply telling your customer about all the products you offer. Frankly, your customer really doesn’t care about your products, they only care about what they want. So, take the time to listen to them and you will find a product to suit their needs and interests quickly and smoothly. Don’t try to tell your customer what they want, instead, let them do the talking and you will soon become aware of what they want.
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On one hand, college is the most crucial educational experience you’ll ever have. It’s where you really set the groundwork for your future career, growing as a student and working harder than you ever have before in your life. But it’s also a crazy amount of fun. You’ll meet more people, have more experiences and yes, drink more beer than possibly during any other four year stretch you’ll experience. That’s an awful lot to balance, not only when it comes to time management, but also your financial budget. Simply affording the classes you need to graduate is a pretty tall order these days, and most people can’t even do that without taking on a mountain of student loan debt they’ll be paying off for years to come. If you’re on a tight budget each semester, you’ve got to watch every dollar. Hopefully that insures you can cover the basics and still have enough fun that you don’t feel like you’re missing out on a once in a lifetime opportunity.
Here are a couple of tips to help you prevent frivolous spending in college.
First of all, think long and hard about your approach to eating. Most college students start out with a food plan, so ideally your major meals are covered. Yet it never seems to work out that way. At some point in the semester you’ll get tired of the choices laid out, and will end up going out to eat, calling for food delivery, snacking from vending machines or shoving down some late night grease bomb you barely remember in the morning. All of those meals out will add up in a hurry, and most of the time these meals just blend in with one another. Try to stick to your meal plan as much as possible, and go on periodic supermarket runs so you have snacks around that aren’t nearly as expensive as what you’d pick up in the convenience store.
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Selling your old car online is fast, effective and convenient. In the old days your options for unloading your used vehicle were few. You either had to put a “for sale” sign in your back window, purchase a classified ad in the local paper, or trade your car in at the dealership. However, classified ads are expensive, putting a sign in your car won’t yield great results and trading your car in at the dealership won’t get you the best deal. Yet, taking a few photographs of the exterior and interior of your vehicle, writing out your sales pitch and then posting the car for sale online is free and far more effective.
Here are 5 benefits of selling your old car online.
It’s fast. With the amount of people looking for used cars in a specific city, you could end up posting your vehicle for sale in the morning and then find a buyer only a couple of days later. If you put your car for sale on different online selling platforms at once, the turnaround time is even faster. Who knows, you could end up selling your car the very same day you post it for sale.
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