If you look in the daily news you will find so many people who are close to having their home foreclosed on or are in the process of it. The economy has had a devastating effect on so many people and we hope that things will turn for the better sooner than later. With that said, there are things you can do to assure that you will not lose your most prized possesion, your home. If you haven't already, start an emergency savings plan. Deduct 10-20% of your income before you pay all your bills and put it in a separate savings account. If you can't do this much, start with the smallest amount possible. Reduce your credit card debt. Credit card debt is one of the biggest reasons why people can not afford to get ahead. If you can't pay off your credit card bill with what you are charging in the next month, then find a way to go without unless it affects your health or well being. There are lots of ways to save money on things that we think we need, but really don't. Priortitize your life. Be a coupon shopper and don't pay full price for anything. Take your lunch to work with your leftovers from the night before. Car pool if possible. Turn down your heat and shut off your lights when you leave a room. There are lots of ways to save money if you really stop and think of what is truly important. If you have your health, a loving family and a roof over your head, how much more do you really need to be happy.
The kids are on school vacation this week and we are going to take advantage of it. We are heading to Florida tomorrow for a week. We have been looking forward to this for some time. It will be a nice break from winter and it will rejuvenate the spirit. As our kids get older we realize that it will only be a couple more years where will be able to take the family vacation together. It is amazing how fast time goes by and it is a bit sad when we think about it sometimes. But then we get a grip and remember that it is our responsibility to raise our children to be independent productive members of society. Sometimes that is much easier to say then to actually experience. At least for us. So tomorrow we are off, on one of our memory making family vacations that we will cherish for a long time. Hopefully our kids will as well.
There are a number of people out there that are struggling with large mortgage payments and other outstanding debt that has become too much of a burden. If you are one of those individuals and have fallen behind on your payments and have tried to renegotiate your loan to no avail, then a short sale may be your best option verses having a foreclosure. A short sale is where you sell your property for less than what you owe the bank. In this case, the bank would have to be willing to accept such a transaction. In many cases they would prefer to have something verses reclaiming the house and not getting any of their money back. In most cases, short sales net the banks more money than they would ultimately receive with a foreclosure sale. If you think you may be in this type of situation, contact me and I will help you out. It is not an ideal solution, but it is one that may be worth discussing. Brian
I just rented one of my apartments to a Somalian family that was just relocated to the U.S. last week. It is a family of six. Two parents, two boys ages 19 and 18 and two daughters who are 12 and 10. The boys speak a little bit of English, but the rest of the family does not. They were assisted by the Refugee Resettlement program to get them here and orient them to our culture. I can't even imagine how difficult it must be for them to come to a new country not being able to speak the language, and not to mention some of the simple things we know how to do to survive. For example, how to work the electric range, how to set the thermostat for the apartment, or how to put batteries in the smoke detectors. They seem to be a loving family that I am excited about helping acclimate to our world. I know that I will be able to make them feel welcomed and I feel really lucky to have them as tenants. Yes, I may be able to teach them some things, but I believe that I will be able to learn a lot more from them. They are in need of many daily necessities as well as furniture. Email me if you have items you could donate.
JAY PEAK AREA Restuarant opportunity!
Listen to the sounds of nature while dining in the solarium windowed dining room overlooking brook in this totally unique estate with restaurant downstairs and residence upstairs. BRAND NEW restaurant appliances (Blodgett), 2 central AC systems & furnishings sitting atop 1.5 beautiful acres w/brook, covered bridge, skiing & golfing only min away at Jay Peak Resort that has already started Phase I of 100 million dollar expansion. Price for both bldg & restaurant business. Golden opportunity!
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