14th November 2009
My Grandfather lived to be 90 and spent most of his life eating whatever he wanted. He also worked hard even well into his 80’s. He was a tall, lean farmer, about 6’4”, 210 lbs, even when he was older. He was a dedicated carnivore, too.
The food...
01st October 2009
When looking for a home to buy I always look for the home that is poorly decorated. Why?
They are less expensive to buy initially. I can decorate with the best of decorators. And I bargain hard, too. Remodeling can take a lot of money, usually more tha...
17th September 2009
Long before air conditioning and forced air heat many homes were built with an eye toward good science. High ceilings were important in the south because heat rises. High ceilings kept the occupants of rooms cooler. Those builders knew a bit about physics...
17th September 2009
Did you know that most people who want to buy a home are looking in a specific price range that they can afford and/or finance? Most of them are looking in a low to mid range between $80,000 to $400,000 dollars. The fact is few people can afford more. The...
16th September 2009
By now unless you've been living in a cave, you almost certainly know that as a result of the financial meltdown mortgage lending has changed permanently. And unfortunately for most home buyers, the change is not beneficial. And while some changes to mort...
16th September 2009
During the Go-Go years of mortgages (and other financial transactions) there were almost as many variations of mortgages
as there were prospective borrowers. Included in these mortgage loans were stated income loans, sub-prime loans, 100% loans, no doc ...
04th September 2009
Working as a case worker I met a number of former truckers who were having health troubles related to long hours driving.
Many of these long haul drivers were suffering from low back pain having one of two causes.
The first difficulty is low back ...
04th September 2009
Can you explain how to best structure a private mortgage note if I ever want to sell my note for more money? This is something I hear all the time. And while there is no one way to structure a private owner financed note, below are some suggestions that m...
04th September 2009
During the last few years a lot of private owner financed mortgages have been created in order to sell a house. Anxious property sellers did (and still do) just about anything to sell their home. As a result of the financial disaster, lending standards ha...
21st July 2009
As a individual private mortgage buyer, I continue to be surprised at not only the terms of many privately created notes but the pretty loose way they were allowed to be created. And while I do understand how a anxious home (or commercial property) seller...
21st July 2009
News coverage of the crash and continued fallout of both the housing and mortgage markets continue to be front-page news. But there is a hugely expanding market for both real estate and mortgages that is virtually ignored by the mainstream media. You need...
16th July 2009
Don't get all giddy about buying your dream home yet. You will need to prepare for items you may run into during the mortgage application process. Below are steps that could save you many thousands of dollars or even mean the difference in whether you can...
29th June 2009
Home sellers all want to put their house on the market and sell it without doing anything to it. One might conclude that they are lazy, but the truth is people who work all the time don’t have time for home improvement.
Homebuyers, on the other hand...
29th June 2009
We’ve all had this conversation with our doctors. The physician says, “It would be good if you could lose some weight and get more exercise.”
Or we just know we need to do it to improve our overall health. We all know what a healthier lifestyle i...
29th June 2009
Like many people my age, I was raised to be thrifty. Even when we had money to spend I would often opt for the cheaper alternative. In things like furnishings and clothing and wine, price is a poor measure of quality.
Real estate is a great example of ...
