The Best Time to Inspect Your Home

By Wallace Conway

Home inspections conducted prior to a home being placed on the market is one of the wisest moves a seller can make. The initial response from sellers when approached with the idea of an inspection done as the home is about to be put up for sale is most always the same - “What?!”

Life and Homes - ActivSoftware

Cash Advance Loans - Loan Sharks In Disguise?

By David Berky

You have seen them on the corner and in the poorer parts of town with names like “Quick Cash", “Quick Loan", “Payday Loans", “Car Title Loans". They are starting to sprout up all over the country and will soon rival Starbucks for sheer number of locations.

They are the new trend in predatory lending practices but still manage to fly under the radar of regulation in most states. They don’ t charge interest, they charge a “fee".

But it sounds like the ultimate in convenience. Need some quick cash - stop by and in just five minutes you can be out the door with $100, $500 even $1000 dollars. But what is the true cost of this “convenience"?

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Extend Your Outdoor Enjoyment with Patio Heaters

by Nicholas Webb

Any outdoor lover will tell you that the right patio heater will allow you to extend your love of the open-air life all year round.

A 15-20 foot circle of heat can easily increase the outside temperature by 10-25 degrees Fahrenheit and that makes all the difference between having to stay inside and eating out.

As with most patio equipment, the choice of the right heater for your needs isn’t always such an immediate process. First thing to know is whether you really need or want one. Some factors to consider are your lifestyle. How often do you eat or entertain outside? What is the weather predominantly like?

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For Sale By Owner Guide

by Michelle Annese

Home sellers not only need to think like a realtor in finding potential buyers for their homes, they also need to think like a personal security agent.

Sellers need to keep their safety in mind when prospecting potential buyers. The real estate industry has seen a problematic climb in assaults towards realtors, and so is the concern for those who are selling their own homes.

The top 7 ways to protect you, your family, and your home, from being victimized...

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Pro’s and Con’s of Debt Consolidation Loans

You are swimming in debt. You have 4 credit cards maxed out, a car loan, a consumer loan, and a house payment. Simply making the minimum payments is causing your distress and certainly not getting you out of debt. What should you do?

Some people feel that debt consolidation loans are the best option. A debt consolidation loans is one loan which pays off many other loans or lines of credit.

I'm sure you've seen the advertisements of smiling people who have chosen to take a consolidation loan. They seem to have had the weight of the world lifted off their shoulders. But are debt consolidation loans a good deal? Let's explore the pros and cons of this type of debt solution.

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A Glossary of Mortgage Terms and Definitions

by Gareth Marples

Are you homeward bound? Are you leaning towards buying a home? Is this your first home? Do you understand all the jargon that’s being fired at you as you seek a mortgage? Well, not to worry. We’ve assembled a brief glossary of home mortgage terms and definitions to ease your path to home ownership. Read on, and gain the knowledge you need to make a wise decision.

Looking for more mortgage information?
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Painting Concrete Floors

The first time I saw a painted concrete floor, I was amazed! It was beautiful! It is the perfect solution for an inexpensive floor that will last and last. If you want to try this money-saving technique in your home, here’s how (but I warn you, this is not a one-weekend project!)

1. If your floor is inside the house, do a little checking before you decide to paint your floor. Is the concrete damp? Are there puddles? (If so, then you have a larger problem than an ugly floor!) If so, contact a professional to take care of the water seepage problem. Let the concrete dry thoroughly before painting (this may take a l-o-n-n-n-n-n-n-g time!)

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Weeds & Seeds - Expert Lawn Care Tips

by Michael J. McGroarty

A beautiful lawn does not come without some effort. Depending upon what type of soil you have, the amount of effort will vary. For instance when raising trees and shrubs, sandy or a gravel base soil is great. Landscape plants like well drained soiled. A lawn on the other hand is different. Lawn grasses grow constantly throughout the growing season, and need an ample supply of both nutrients and water.

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How to Spot a Good Buy

Beauty is in the eye of the beholder, particularly when it comes to buying a home. Features that attract one home-buyer may repel another.

However, the one feature of interest to every home-buyer is price. Getting the most home for your money is paramount. The real problem is figuring out whether that fixer-upper on one street is a better buy than the home in next-to-new condition two blocks away. That's why knowing what to look for before you buy can save you time, energy and money down the line.

ActivSoftware - New York Real Estate

Defeating Bankruptcy Scam Operators

According to the U.S. Department of Justice
Are you having trouble making your mortgage payments? Are you facing foreclosure on your home? Get all the facts before you pay someone to help you work out your mortgage problems. According to the U.S. Department of Justice (DOJ), “bankruptcy foreclosure scams” are targeting consumers whose home mortgages are in trouble. Scam operators advertise over the Internet and in local publications, distribute flyers, or contact consumers whose homes are listed in the foreclosure notices. The scam artist’s appeal is sometimes directed to specific religious or ethnic groups.

Life and Homes New York