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Jeanette Joy Fisher Profile and Articles
URL: http://www.designpsych.com
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1). 3 Ways Renters Lose Money
Are you still renting a home or apartment for yourself or your family?
If so, you're losing money. Think about these three ways you lose money by renting:
1. You're paying for someone else's mortgage payment. You're missing out on the appreciation that the property gives to the landlord. Appreciation is a term used in acc...
2). 3 Ways Tenants Lose Money
Are you still renting a home or apartment for yourself or your family?
If so, you're losing money. Think about these three ways you lose money by renting:
1. You're paying for someone else's mortgage payment. You're missing out on the appreciation that the property gives to the landlord. Appreciation is a term used in acc...
3). 6 Reasons Why You Should Buy Real Estate in December
December and New Year's Day give you the perfect occasion to buy real estate. Not only can you pick up a bargain property from a motivated seller, you can save on your purchase expenses.
1. Home shoppers put off looking for a home because of holiday decorating, shopping, and parties. Plus, the cold weather makes home buyers prefer to s...
4). A Beginner's Guide to Real Estate Investing Strategies
If you're thinking about investing in real estate to make money, you need to first determine your financial goals. Do you need to make money quickly, invest for your children's college fund, or build wealth for your retirement? Once you determine your financial goals, you need to decide which type of investing strategy works for you.
5). Are you paying higher interest on your credit cards than you think?
Many credit card holders sign up for a credit account with an 8.9% interest rate and then later realize that their interest rate has been bumped to 27.4%. Why?
You know that your credit score affects the credit card rates that you qualify for. But, did you know that a little clause in the fine print of the credit card terms and ...
6). Credit Help For Mortgage Financing: Beware Of Predatory Lenders
Financing a new mortgage? Beware of "predatory lenders."
In November 2005, Montgomery County, Maryland's county council enacted legislation to expand the categories of discriminatory lending activities associated with discriminatory housing practices and increased the maximum fine for such activities from $5,000 to $500,000. The counci...
7). Credit Scores: Don't Waste Your Money
Did you know that your credit score that you purchase online is not the same credit score your mortgage loan officer gets?
You probably know that when you apply for a mortgage, your loan officer gets all three credit reporting agencies reports with three different scores. From your three credit scores, most mortgage compa...
8). Dramatic Powder Room Makeovers
Your guest bathroom, or powder room, presents a great place to start with your home makeover. This small room takes less money and effort to decorate than your larger rooms. Plus, you get a chance to develop you personal home interior design skills without committing to a huge project.
Because guests view this little space privately, ...
9). Enchanting the Tract Home for Sale Using Design Psychology
Are you selling your tract home? Home sellers marketing their property in development neighborhoods face tough competition. All the houses look alike
10). Flipping Houses for Gold: Three Tips to Help You Find the Pe
Many real estate investors enjoy "flipping houses," or buying and selling houses quickly for profit. Not all flips are fixers; however rehabbers ma
11). Flipping Houses for Gold: Three Tips to Help You Find the Perfect Fixer
Many real estate investors enjoy "flipping houses," or buying and selling houses quickly for profit. Not all flips are fixers. However, rehabbers make millions turning ugly houses into dollhouses. On the other hand, some inexperienced investors lose money buying houses that just don't turn a profit.
If you're looking to get started inv...
12). Flipping Houses for Profit: Start with the Right House
Many real estate investors enjoy "flipping houses," or buying and selling houses quickly for profit. Not all flips are fixers; however rehabbers make
13). Flipping or Fixing Houses for Profit
What's the difference between a fixer and a flip?
Many real estate investors make $5,000 to $10,000 or more by flipping houses. These investors buy a home from a distressed seller and resell it quickly for a profit. Just because a seller has serious problems like a pending foreclosure or divorce doesn't mean the house is a fixer. Many...
14). Good Credit Scores = ROI Profits For Real Estate Investors
Strong credit saves real estate investors money on mortgage finance costs. A good credit score, along with other credit and mortgage qualifications, m
15). Holiday Decorating Ideas and Party Planning
Make decorating your home for holiday parties a pleasure instead of a stressful nightmare. Organization and planning helps you keep on top of your holiday parties.
Create a gorgeous party planning notebook with an inexpensive plastic three-ring binder that has a space to insert an inspirational picture. Keep cutouts from magazines of i...
16). Holiday Decorating: Good for You or Added Stress?
December gives us the perfect excuse to pamper ourselves with holiday cheer. No matter which holiday tradition you celebrate, decorating your home is good for you. Psychologists report that change, planning, and entertainment make people happy. Change your environment for the holidays and plan to entertain yourself as well as guests.
H...
17). Home Sellers Warning
If you're thinking about selling your home and moving up, do your homework before offering your home for sale. Read the following story to see what can happen to home sellers who don't do their math.
A young family sold their home in California, before they determined how to buy their next house. All they thought about was moving into ...
18). Home Sellers: 11 Great Tips for Showing Your Home
In order to sell your home quickly, and for the best price, here is a list of things to address BEFORE your agent brings that first potential buyer to look at it.
1) Make sure the lawn is mowed, the shrubs are trimmed, and the porch is clean and free of clutter. If it's fall, rake up the leaves. If it's winter, keep the walkways clear...
19). Home Sellers: Is Your Listing Agent the Reason Your Home's Not Selling?
Many home sellers sign a listing agreement with an agent who makes big promises and then their home languishes on the market.
Do you know if your agent may be causing your home to go unsold? Some reasons why listing agents hold up home sales:
1. Lack of cooperation from other sales agents who dislike your listing agent. So...
20). Home Staging Strategies for Selling Your Home
Who are you preparing your home to sell to?
You, as a home seller, have two initial choices.
1. Sell your home as a bargain to investors or bargain shoppers with limited income, or
2. Sell your home for top dollar to your target market.
To prepare your home to sell to investors and bargain shopper...
21). How to Avoid Appraisal Problems in the Sale of Your Home
Before you sign a contract to sell your home, check to see if the purchase offer depends on financing. Look for a clause witch states that the offer
22). How To Avoid Pitfalls In The Sale Of Your Home
Appraisal vs. Market Value When you sell your home, appraisers use comps (comparable market sales) of local properties sold within the
23). How to Establish Credit
It's been a Catch-22 dilemma, especially for young people, since the dawn of the Credit Age. You want credit, but you can't get credit because you've never had credit before. It's a situation everyone faces as they begin to try to become creditworthy.
In order to qualify for a credit card, you must me at least 18 years old (or 21, if y...
24). How to Get Started Investing in Real Estate
If you want to make money investing in real estate, you have to begin with a plan. Here are some ways to get started investing in real estate. Choose a plan that works for you.
If you don't currently own your own home, that's the best place to start. Many people never buy a home because they think they have to have perfect credit or a ...
25). How To Make Your Tract Home Stand Out In The Crowd: Home Sta
Home sellers who wish to market their property in development neighborhoods face tough challenges. All the houses look similar. All the houses sell
26). How to Use Curb Appeal to Sell Your Home
Curb appeal is the most important challenge you'll face when selling your home. You must make home shoppers feel like getting out of their car to see what's behind the front door. Imagine prospective buyers driving up and examining your property for the first time. Your goal is to have them exclaim, "What a darling home!" Or, "What a splendid house...
27). I Love Teleclasses!
Teleclasses are fun! You join a group of friendly folks interested in the same topic as you. Experts, teachers, or the conference call leaders help you with fresh ideas to look at your topic in a new light. Plus, the other callers give you tips on how they accomplished goals like yours.
Also, many participants exchange email addresses...
28). Immediate Steps to Improving Poor Credit
Credit can be a wonderful thing, but it can also be a dangerous pitfall, with disastrous results, when it gets out of control, even it happened through no fault of your own. If you find yourself overextended, here are some ideas for improving your credit.
The first step is to acknowledge your dilemma. Denial is a natural reaction, but ...
29). Mortgage Financing: Signs Of Predatory Lending
If you're shopping for a home loan, you can save thousands of dollars by being aware of predatory lending practices, in which you're charged too much for your loan or are forced to buy services you don't really need. You can protect yourself by learning to recognize the signs of predatory lending. The Center for Responsible Lending lists seven spec...
30). Need Credit Repair? Do it Yourself and Save Your Precious Money
No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can't do it, and you can't do it yourself. However, you CAN request an investigation of anything you find in your credit file that you believe to be either incomplete or inac...
31). New Year's Eve Party Decorating Ideas
Make decorating your home for New Year's Eve party a pleasure instead of a stressful nightmare. Organization and planning helps you keep on top of your New Year's Eve party.
Create a gorgeous party planning notebook with an inexpensive plastic three-ring binder that has a space to insert an inspirational picture. Keep cutouts from maga...
32). Prepare Your Home for Sale: Kitchen Makeover Ideas
Money spent updating your kitchen rewards you better than money spent on any other upgrades to your home. When it comes to kitchens, buyers continue to demand improvement in efficiency and style, and they love remodeled kitchens and new appliances.
Even if you home costs less than the newer homes in your area, buyers view the model ho...
33). Quick Party Planning Checklist
Make yourself a gorgeous party planning journal with a scrapbook or plastic three-ring binder that has a space to insert an inspirational picture. Keep cutouts from magazines of ideas you love about decorating, themes, menus, and recipes. Keep notes about your party afterwards so you remember what worked well and what to do differently next time. Y...
34). Real Estate Bubble Talk for Real Estate Investors
Are you afraid to invest in real estate because of a pending real estate bubble? The news has been filled with real estate troubles including too many houses on the market in some areas, a slow down in sales, and dropping prices.
What's behind all this bubble talk?
Before you give any substance to warnings a...
35). Real Estate Flipping Basics
You see a lot of articles and books about how to make money "real estate flipping." Perhaps you're heard radio or television news reports about the illegalities of flipping real estate. Maybe you've seen the late-night infomercials promising you easy overnight fortunes.
What's the truth about making money flipping real estate?
36). Real Estate Investing Mistake Made in 2005
Over the past few years, real estate investors, hungry for break-even or positive cash flow rental properties, purchased income property out of state. California investors bought houses in Florida, Texas, and Oklahoma. Florida investors purchased houses in Louisiana. Texas investors purchased in Las Vegas. Many of these investors made millions of d...
37). Real Estate Investing: Beware Of "Subject To" Promises
Another real estate writer's mini course, full of promises and fluff, ended with a "lesson" on why you need to buy his book so you can finance multipl
38). Save Your Credit AND Your Marriage
Before you whip out your credit card, stop and think. America is often called a consumer society, and it's true. We're also a nation of credit card debt, which is evidenced by some of these startling facts.
We all know that acquiring overwhelming debt is stressful from a financial standpoint. However, it might surprise you to know that...
39). Secured Credit Cards: Establish or Rebuild Your Credit
Whether you're just starting out in the world of credit or hoping to rebuild a damaged credit report, using secured credit cards can help you. However, you'll need some cash to get started.
First, let's define what secured credit cards are. They are REAL credit cards, generally Visa or MasterCard, that can be used for anything Visa or...
40). Selling Your Home? Don't be Tempted by
Do you want to sell your home right away? Don't be tempted by "We Buy Houses" or "Sell Your House in 9 days for Cash" ads and billboards.
Savvy real estate investors run these ads and put up posters looking for sellers under duress. These investors want to make the money you earned for holding your home. Investors only want to pay you ...
41). Strange Cleaning Tips
Many household products can function well in areas quite different from their initial intended uses. Here are a few examples:
Icy Steps?
If you live in an area that freezes during the winter, here's a tip for keeping your front steps from getting icy. Just take a bowl of hot water, add a few drops of Dawn dishwashing liquid to it...
42). The Credit Repair Organizations Act (CROA)
If you have negative information in your credit file, as reflected by the Big Three reporting companies, Experian, Equifax, and TransUnion, proves to be accurate, there is little you can do about it. Only the passage of time will guarantee that information's ultimate removal from your file. The reporting companies will generally list negative credi...
43). The Fair Credit Reporting Act (FCRA)
No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can't do it, and you can't do it yourself. However, you CAN request an investigation of anything you find in your credit file that you believe to be either incomplete or inac...
44). Warning to Beginning Real Estate Investors
Real Estate Investing: Beware of "Subject To" Promises
A real estate investing mini-course, full of promises and fluff, ended with a "lesson" on why you need to buy a real estate ebook so you can finance multiple properties "subject to." The reason, the email said, "Because banks won't let you finance more than ten mortgages."
45). What's the Truth About Flipping Real Estate?
Would You Like to Make Money Flipping Real Estate?
Many beginning real estate investors get started by flipping real estate to make quick cash. If you would like to make more money by investing in real estate, you need to know a few essentials.
What is the definition of real estate flipping?
Simp...
46). Wind Energy: Umm Leads The Way For American Universities
In March 2005, the University of Minnesota-Morris became the first public American university to install a large-scale wind turbine to help meet the school's electrical needs. Since it was installed, the generator has supplied some 60 percent of the university's power. The rest of the school's power needs are purchased from Otter Tail Power Company...
47). Xeriscaping For An Extraordinary Garden
Is it time to think about how to turn your garden from ordinary to extraordinary?
One way to do that is to think in terms of xeriscaping. The term means to use waterwise plants, which is especially useful in dry climates. Xeric species make gardening easier because they're drought resistant, and friendlier to the environment, because t...
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