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Personal financial fitness, Choice and Intentionality in Home Buying. Surviving The American Dream: Stacey Powell of www.TheFinanceGym.com

Personal financial fitness, Choice and Intentionality in Home Buying.  Surviving The American Dream: Stacey Powell of www.TheFinanceGym.com | Housing | Scoop.it
Stacey Powell is a former financial auditor and founder of The Financial Gym, a small business which helps people get out of the cycle of living paycheck to paycheck. She believes that simply by spending more time focusing on finances, it’s possible to break free of this cycle. She confesses t... http://www.survivingtheamericandream.org/intentionality-surviving-thefinancegym/
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How much is that house really worth? Appraisals in the Home Purchase Process

How much is that house really worth? Appraisals in the Home Purchase Process | Housing | Scoop.it
So it’s time for the appraisal.  An appraiser is someone that is hired by the buyer but essentially works for the lender to investigate the property.  Most importantly, an appraiser determines the value of the property as security for the loan that you (the buyer) are going to get on the pro... http://www.survivingtheamericandream.org/appraisalsinthehomepurchaseprocess/
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Financial planning for a home purchase: An interview with Denise Downey at FinancialTrex.com

Financial planning for a home purchase: An interview with Denise Downey at FinancialTrex.com | Housing | Scoop.it
The lure of the ‘dream home’ is powerful and seductive. Every couple or family yearns to have a beautiful home in the perfect neighborhood. A source of personal satisfaction, comfort and pride. Those who work in real estate or mortgage financing, are aware of this seductive pull. While most age... http://www.survivingtheamericandream.org/financial-interview-financialtrex/
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You Can't Buy the Life You Dream Of

You Can't Buy the Life You Dream Of | Housing | Scoop.it
I remember years ago watching a documentary on the last months of a terminally ill Warren Zevon. I knew his music and liked it well enough, but wouldn’t have considered myself a fan. Having recently lost my own mother to a slow, painful death by cancer (and equally toxic cures) it was e... http://www.survivingtheamericandream.org/you-cant-buy-the-life-you-imagine/
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May 2016 Elk Grove Housing is Roughly 83% of 2005 Prices

May 2016 Elk Grove Housing is Roughly 83% of 2005 Prices | Housing | Scoop.it
An April 2016 article by Hudson Sangree on the Sacramento Bee website  shows Sacramento Area median home prices are back to 2004 levels. According to housing research firm Corelogic Analyst Andrew LePage “We’re roughly back to where we were before the sharpest part of the run-up”. I’m not s... http://www.survivingtheamericandream.org/may-2016-elk-grove-housing-is-roughly-83-of-2005-prices/
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Making Our Homes a ‘Nest Egg’ Again

Making Our Homes a ‘Nest Egg’ Again | Housing | Scoop.it
Research shows most people do not have enough money saved to retire comfortably or safely. In fact, the reality is Americans don’t save enough for retirement. To get a better picture of what we’re dealing with, let’s look at some numbers: 40% of Americans age 55-64 have no money set aside ... http://www.survivingtheamericandream.org/making-our-homes-a-nest-egg-again/
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A Quick Look At Affordibility

A Quick Look At Affordibility | Housing | Scoop.it
There is a connection between personal income and housing prices.  If housing prices increase at a faster pace than income for any extended period of time, housing will become overpriced compared to the local markets’ ability to afford it and it will inevitably return to equilibrium.  This means ... http://www.survivingtheamericandream.org/a-quick-look-at-affordibility/
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Home: An Appreciating Asset Filled With Depreciating Stuff

Home: An Appreciating Asset Filled With Depreciating Stuff | Housing | Scoop.it
I believe I could make the argument that home ownership, in its current form, is making us poorer because of the depreciating consumer goods we choose to fill it with. While at its very heart, a home is a magnificent kernel of responsible living and financial well-being, over the years it has ... http://www.survivingtheamericandream.org/an-appreciating-asset-filled-with-depreciating-stuff/
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Dream Home? It’s Time for a More Meaningful Dream

Dream Home? It’s Time for a More Meaningful Dream | Housing | Scoop.it
I am not sure how it got started, but the idea of a ‘Dream Home’ has come to mean the biggest most beautiful home you can afford. As it turns out, this isn’t the path to happiness. A ‘Dream Home’ should be the home most compatible with the life you dream of living. When I was a boy, I shared a ro... http://www.betterhomelessmoney.com/dream-home-its-time-for-a-more-meaningful-dream/
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There's more to life than being stuck in a house payment. Becky Wolfe On Paying Down Debt, Income Properties & Financial Freedom

There's more to life than being stuck in a house payment.  Becky Wolfe On Paying Down Debt, Income Properties & Financial Freedom | Housing | Scoop.it
BECKY WOLFE ON FINANCIAL FREEDOM I recently sat down to talk with Becky Wolfe, a physician’s assistant, blogger, and mom from Ohio. Besides her experiences as a home buyer, she is also the author of Frame to Freedom, a blog about achieving a debt-free lifestyle. In addition, I talked with her a... http://www.survivingtheamericandream.org/income-properties-financial-freedom/
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Budgets, Accountability & Values: Interview with Life Coach Elizabeth Farrell

Budgets, Accountability & Values: Interview with Life Coach Elizabeth Farrell | Housing | Scoop.it
As a real estate broker, I’ve witnessed a lot of pain and suffering as a result of poor choices about home ownership. I often wonder how to help families take more control of their financial future to avoid that. I sat down with Elizabeth Farrell to discuss this question. Elizabeth gracefully ... http://www.survivingtheamericandream.org/budgets-accountability-values-elizabeth-farrell/
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Happily Ever After: Finding the right home at the right price

Happily Ever After: Finding the right home at the right price | Housing | Scoop.it
Once the idea to buy a home takes root and you have a budget (usually from a lender(which is a bad idea-more on this later)) most home shoppers generally begin the process of comparison shopping. Much as we would approach buying a car or a television, we start learning about what is available,... http://www.survivingtheamericandream.org/happily-finding-right/
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Homebuyer Priorities: Focus on the Things You Can’t Change

As a home buyer, you will have many things on your list of wants and needs – big rooms, chef’s kitchen, big yard, and granite. Often, these things consume our minds when making choices for our home purchase. However, I am here to tell you to think bigger than that. When you are searching f... http://www.survivingtheamericandream.org/homebuyer-priorities-focus-on-the-things-you-cant-change/
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What's my home worth? Determining value when selling your home.

Deciding to sell your home is no small feat. The most important choice is often deciding what price to list your home for. But how do you determine the value of your home? The value is determined by what’s going on in the market around you. This lesson provides the basic building blocks of where to start.
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Real Estate Is Not Recovering...

Real Estate Is Not Recovering... | Housing | Scoop.it
We have seen many years of financial destruction to millions of homeowners with wave after wave of foreclosures immediately followed by wave after wave of short sales – which was sadly a dramatic improvement. Now, we are hearing and seeing evidence that the housing market is recovering. ... http://www.survivingtheamericandream.org/real-estate-is-not-recovering/
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Have Low Interest Rates Been Good For Real Estate?

Have Low Interest Rates Been Good For Real Estate? | Housing | Scoop.it
The general belief is that the extremely low interest rates we’ve seen over the past 10 to 12 years or so have been good for the affordability of housing. While in the short-term this may be true, by driving down a monthly payment for a given price on a home, the longer-term effect has... http://www.survivingtheamericandream.org/have-low-interest-rates-been-good-for-real-estate/
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Home Improvements Are Not Investments

Home Improvements Are Not Investments | Housing | Scoop.it
We’ve deluded ourselves into believing that our homes are good places to spend our money as a continued investment. We relate to it much like tucking money away in a high yielding CD for long-term growth believing we have just a contribution to our net worth. So a new kitchen, bath, pool,... http://www.survivingtheamericandream.org/home-improvements-are-not-investments/
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Homebuyer Priorities: Focus on the Things You Can’t Change

Homebuyer Priorities: Focus on the Things You Can’t Change | Housing | Scoop.it
I’ve said it before and I’ll say it again – buying a home is a big deal. As a buyer, you will have many things on your list of wants and needs – big rooms, chef’s kitchen, big yard, and granite. Often, these things consume our minds when making choices for our home purchase. However, I am h... http://www.betterhomelessmoney.com/homebuyer-priorities-focus-on-the-things-you-cant-change/
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