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Buying a home? Read this first - Independent Online

Buying a home? Read this first - Independent Online | College Research | Scoop.it

Some common sense advice: eg Defects you should pick up when viewing the house help you negotiate a lower price with the seller. Don't over-pay by being under-prepared...


Via annie garfoot
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If you are under-prepared when house shopping, you could be over-paying. You have to be aware of certain things within a home that could raise the price of what you have to do for it which should in return lower the cost of the home alltogether. There are to types of property ownership that you will most likely have to choose between, sectional title and freehold title.

 

A sectional title is usually over block flats, a townhome, or a cluster of of homes. You become the owner of a unit. You pay monthly costs that are shared amongst other section owners that cover maintainace, insurance, and security. The amount you pay is based on the size of the unit you own. When it comes to municipal rates and electricity you are biled seperately. Water is a shared cost.

 

A freehold title applies generally to freestanding homes but also to certain cluster homes. It means you fully own and are fully responsible for the property you buy. You have a greater degree of privacy and freedom. You must pay homeowner's insurance, municipal rates, sewerage, refuse removal, and electricity.

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The Steps to Follow when Buying a House

In the recent years, the cost of real estate property has been increasing. This has led to an increasing interest in people to invest in real estate. One of the most common ways to invest in real estate property is buying houses and reselling them. If you are new to the process of buying and reselling houses, here are some steps to follow when purchasing a house.
Via James Penny
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As time goes by, the cost of property for real estate is rising. There are really two types of homes; family homes, and smaller homes for single people or couples without kids. People usually pay for homes with mortgages and bank loans. In order to aquire one of these you must have a good credit score. To attain a good credit you need to have your credit cards paid off and settle and issues or disputes at hand. The better your score, the better chance you have at getting a loan. Once you have the money you need to set yourself a budget then find a place to buy a home according to your budget.

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Beware of Bank of America spam mails : "Online Banking Passcode Changed"

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Well this is eye opening. Thank goodness for Webroot researchers that can track down people using the BlackHole Exploit kit. Whenever you recieve emails suggesting that you need to change your bank password and the like you should never click any of the links. Another one to watch out for is "Intuit Payroll Confirmation inquiry" which can maliciously hack your accounts. This article was very helpgul in the information I need to know and my online banking confidence has grown from it.


Via IT Security Unplugged
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How To Improve Credit Score

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The reason I decided to read this article is because in order to maintain financial stability it is important to have good credit score. Having a good credit will allow you to be the carrier of bigger credit cards and in turn open up your possibilities. This article was helpful because it described different ways to maintain a good credit score. Some of which include paying your dues on time and only purchasing expensive items on credit  and paying them off in a timely manner.


Via ann foster
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5 Budgeting Ideas for Every Small Business Owner

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Well, I definitely agree with the idea of budgeting your business. When you have fixed payments that must be met in a timely manner t is very important to keep up. Once you start to fall behind it's hard to get back on your feet. The tips in this article are very useful and should be taken into consideration by anyone just starting out with a set income. For example, when planning a budget always started with fixed payments, and with a business, remember to set aside an amount for employees. Never spend more than you have.


Via Daniel Watson
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Leasing a Car vs Buying a Car

Leasing a Car vs Buying a Car | College Research | Scoop.it
Understand the differences between car leasing vs car buying and decide what works for you the best.
Via Poma Kunuzi
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When you lease a car you ay for a depreciation charge and a finance charge for the lease term. The depreciation part of each monthly payment compensates the leasing company for the portion of the vehicle's value that is lost during your lease. The finance part is interest on the money the lease company has tied up in the car while you're driving it.

 

When you buy a car you pay for a principal charge and a finance charge. The principal pays off the full vehicle purchase price minus dwn payment if any, while the finance charge is loan interest. Tax is calcuated against the purchasing price of the vehicle.

 

The monthly payment for leasing is considerably lower than if you were to buy the vehicle.

 

One thing that is important to remember is that if you choose to lease the car you must make sure to commit to making your payments on time or your credit scpre could be severely damaged.

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Is online banking as safe as people think?

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I agree with this article that more and more people are using online banking. It is important for everyone to be aware of the potential risks that could take place when using online bank accounts. Too many people are convinced that there are no risks behind this method when really they could br taken by surprise at any moment and have their identities stolen.


Via Amodiovalerio Verde
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BubbaBIGPants's comment, December 11, 2012 3:15 PM
you dont know what your talking about
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Tips for safe online and mobile banking - Business Today

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This is a very helpful article. It talks about how there are so many sneaky ways our there for people to steal your personal information and how dangerous it is to put your information out there. One way to keep your passwords safe is to use the online keyboard to prevent keyloggers. Another tip is to always type in a bank's URL, don't click on links to it. Make sure to use passwords that are a combination of random letters and numbers that make sense to you. Keep your browers up to date with security and virus checks. Overall I learned a lot from this article and it was a great help.


Via Ledale Reynolds
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Managing Your Personal Finances

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This article was very beneficial and made a lot of good points. For example, it is a god idea to create an emergency account that you can tap into. Sometimes unexpected events happen and you need a large amount of money. Instead of taking out a loan you'll have this extra fund. It can prevent you from giong severely into dept. Also, only use your credit card for large purchases. Pay off the dept in a timely manner to keep your credit score from dropping. When it comes to auto insurance you can ask your carrier if you can pay yearly instead of every 6 months. Soemtiems there will be a substantial discount. Overall, when it comes to persoanl finances and budgeting, this article is very helpful.


Via ryan lanas
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