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Today, everyone wants their ‘Dream Home’. In fact, even first time buyers are searching for a home that is usually nicer than that home my parents were able to upgrade to. The idea of stretching to buy the nicest home we can afford has become the new normal. But how much can you really afford? An... http://bit.ly/2tVRGGL
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Low interest rates don't make housing more affordable.

Low interest rates don't make housing more affordable. | Housing | Scoop.it
Supply and demand is the biggest determining factor in housing values.  While getting a lower interest rate loan will reduce a payment in a specific house purchase, the long term effect of low interest rates is simply housing inflation.  From a macro/market perspective, interest rates have a s... http://bit.ly/2nttnO0
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“Truing up” Your Personal Values On A Home Purchase: An Interview with Divorce Coach Laura Bonarrigo

“Truing up” Your Personal Values On A Home Purchase: An Interview with Divorce Coach Laura Bonarrigo | Housing | Scoop.it
As a certified divorce coach, Laura Bonarrigo specializes in helping people during times of transition in their lives.  Her focus is to aid them in considering the ramifications of those changes and to hold them accountable to becoming the best possible versions of their true selves, living a ... http://bit.ly/2mBrTPB
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Finances and Intentionality: An Interview with Michael Palazzolo

Michael Palazzolo has a varied background. After his first career as a software engineer, he worked for a national credit housing counselling agency. In this role, he counselled some clients in the pre-purchase phase, as well as others who were trying to keep their homes during the housing... http://bit.ly/2iX9LQl
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Buying a home is not like buying other stuff

Buying a home is not like buying other stuff | Housing | Scoop.it
You’re a smart shopper.  You set a budget, make a list of the features you want and set out comparison shopping to get as much as you can for your money. I suppose that’s how all savvy consumers shop.  The difference is a home purchase is life changing.  You’re adding a near permanent finan... http://www.survivingtheamericandream.org/buy-house-like-tv/
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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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Today, everyone wants their ‘Dream Home’. In fact, even first time buyers are searching for a home that is usually nicer than that home my parents were able to upgrade to. The idea of stretching to buy the nicest home we can afford has become the new normal. But how much can you really afford? An... http://bit.ly/2MxCVBu
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Social Media Stream

Today, everyone wants their ‘Dream Home’. In fact, even first time buyers are searching for a home that is usually nicer than that home my parents were able to upgrade to. The idea of stretching to buy the nicest home we can afford has become the new normal. But how much can you really afford? An... http://bit.ly/2MxdKyN
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Sacrificing for the Life You Want: An Interview with Christian Dy

Sacrificing for the Life You Want: An Interview with Christian Dy | Housing | Scoop.it
Christian Dy is a financial planner; but he prefers the term “financial educator.” In addition to guiding his clients on issues around financial planning, investment, and insurance, Christian also gives workshops to educate the public on how to make better financial decisions. He works in Van... http://bit.ly/2n0aQZY
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Is the real estate industry to blame for the mortgage/housing meltdown?

Is the real estate industry to blame for the mortgage/housing meltdown? | Housing | Scoop.it
In the comments section of a reputable housing blog, someone complained that the ‘real estate industry’ was to blame for the collapse in housing (2005-2010).   Along with some general complaints about agents costing too much and doing too little, one of this commenters main points ... http://bit.ly/2jq8sHt
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1667 GREEN SPRINGS Court, Tracy

1667 GREEN SPRINGS Court, Tracy testmls http://www.charter-home.com/green-springs-court/
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Living Below Your Means: Interview with Matthew Miglin

Living Below Your Means: Interview with Matthew Miglin | Housing | Scoop.it
Common financial wisdom tells us to live “within our means.” But is that really good enough or is that cutting it a little too close? What if we chose instead to live “below” our means? I spoke with Matthew Miglin (a business owner, financial advisor, and Licensed Clinical Pastoral Counselor (L... http://www.survivingtheamericandream.org/living-interview-matthew/
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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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