Owning Laguna Hills Real Estate May Take Some Creativity
“As Orange County realtors with specialization in Laguna properties, the Weeks team has been successful at helping folks just like yourself actualize your dreams and own a piece of Laguna Hills real estate. It is always recommended that you consult a financial advisor when it comes to a large purchase, but don’t be surprised if you find out that you may qualify as a candidate to own Laguna Hills real estate!” – “Laguna Hills Real Estate – Creative and Savvy Ways to Own”, OC METRO.
Though many people don’t see themselves as potential homeowners, most people with somewhat decent credit just need to think outside the box a little to get into a home. Whether its sharing payments with roommates, using another property as leverge, or having a family member co-sign, it may take creativity to get that Laguna Hills real estate you’ve always wanted. Find out what some creaive homeowners did to afford their Laguna Hills real estate!
Click here to read the full article, entitled, “Laguna Hills Real Estate – Creative and Savvy Ways to Own”.
Read Full Post | Make a Comment ( None so far )OC Green Realtor Issues Eco-Footprint Challenge
Once again this ever-vigilant Orange County green Realtor has been scouring and searching for eco-friendly ideas to share with the world. And I’m pleased to say I recently discovered a unique set of resources for anyone who’s ever wondered what kind of impact they’re having on this planet’s ecology.
OK, even if you haven’t exactly been sitting up nights pondering the matter, you definitely should know about this opportunity. I’m talking about five super websites that will reveal how big a footprint you’re leaving on earth’s precious environment. If you’re the least bit curious, please take a moment visit at least one of these sites —
earthlab – Invites you to learn how big a carbon footprint you’re leaving on the earth. Just provide a bit of info, and you’ll get your carbon score free of charge. Take this challenge, and prepare to cut back on the carbon.
Conservation Internaitional – Organization that provides smart solutions to protect our natural resources. Offers user-friendly carbon calculator gives you a quick peek at your pollution.
Carbonfund – Another wonderful site dealing with … you guessed it, carbon and how you can contribute less of it. Features CarbonFree® Partner program, a unique way to help your business calculate, reduce, and offset carbon footprints.
National Wildlife Federation – Works across the country to protect the ultimate life-sustaining resource, water. Features water calculator.
Center for Neighborhood Technology – This organization has been a leader in promoting urban sustainability, or the more effective use of existing resources. Airhead, the site’s emissions calculator, will teach you just how much air pollution you create.
After You Know the Size of Your Footprint…
We’d like to know how you did. And, what positive changes you plan to make. Don’t worry. This won’t affect your FICO score. But your efforts will have a positive impact on our planet. You can fire off a comment below. Or or tweet @weeksteam with #green.
And, of course, if I can be of help, don’t hesitate to reach out to me. You can connect with me at 949.338.7408 or angie@askangie.com, @AngieWeeks or @WeeksTeam.
Read Full Post | Make a Comment ( None so far )Make the Most of Your Money – DIVERSIFY!
Mission Viejo Book Signing – ‘Making the Most of Your Money’
Last week I visited the Mission Viejo Library to get a copy of what is supposed to be the best personal financial planning book on the market right now. Entitled ‘Making the Most of Your Money’, it was written by Jane Bryant Quinn. Honestly, I had never heard of Jane Bryant Quinn until recently, but she definitely is a highly respected voice in the money management community.
Jane got off to a light start, joking that she almost named her book ‘Making the Most Out of What’s Left of Your Money’. She agrees that the economy is in a bad place, adding that the government needed to step in in order to prevent a full-on depression. But this cloud has a silver lining – the economy is recovering. Nevertheless, we’re still feeling some economic aches and pains, which is why keeping our finances in mind and tightening up our ship is such a good idea.
Jane covered quite a bit of financial planning territory. Regarding our current bull market, she recommended diversifying accordingly. She also touched on inflation, predicting that fortunately this monster won’t go very high.
For the U.S. government’s role, Jane pointed out that Congress may soon be restoring the Paygo law, which is intended to control government spending. This, along with a tax increase, could significantly help our budget.
So how do savers and investors pick their way through the current financial wilderness?
First and foremost, according to Jane, get OUT of consumer debt. “Debt is like feeding your dollars to squirrels.” Do NOT make it normal. Debt and credit are not glamorous. Sure, they seem fun at first, but when it’s time to retire and your mortgage is soaring, the debt beast will likely bring you to ruin.
In the Real Estate arena, Jane cautioned that we shouldn’t expect the height of where we were in 2007 for many, many years. OK fine. Thanks for that. In general, home prices follow the inflation rate. Currently, consumers aren’t thinking of their homes as investments. But that’s OK. Because when all is said and done, according to Jane, it STILL PAYS to OWN a HOME!!!!!! But watch those HELOCs. Let’s get back to that concept of paying down our mortgage, people. Jane also advised don’t take a reverse mortgage until you’re in your 80’s, even though you are allowed to in your 60’s.
If you’re underwater on your rental investment, it’s probably a good idea to lower your rent to keep your tenants. You must be prepared for losses for years and years if you are a serious real estate investor. Make sure you have liquid cash flow. You can also consider short sale or foreclosure if the property is a huge drain. Talk to a professional Orange County financial planner and / or consider some by the book investment education.
As for stocks, Jane mentioned that she talked with many of the top financial masterminds all over the nation. Apparently, the majority of them have the bulk of their own funds in a broad market index, something like S&P…
She added that for young people, lifestyle funds are a good idea, even though they’ve received a bit of a bad rap.
Jane also stated a good formula for your retirement fund risk is this: subtract your age from 110. Whatever that number is, that’s the percent you should be investing in stocks. As you get older, this formula helps you safely transition into a majority of bonds and a lower risk portfolio.
There are so many valuable insights in this book, it was THICK! I’m sure ‘Making the Most of Your Money’ is truly a valuable guide to sound financial planning. But seriously, no matter how many books we read someone, who does financial planning for a living will always be better than we are, IMO. You should have a professional on your side. Just like you should in real estate!!
Speaking of property, if you would like your diversification strategy to include owning some Orange County Real Estate, I’m happy to help. Contact me at 949.338.7408 or angie@askangie.com. Or follow me @AngieWeeks or @WeeksTeam. Happy investing – feel free to post what has and has not worked for you here!
Read Full Post | Make a Comment ( None so far )Grab the Orange County Real Estate Opportunities in 2010
New Year, New Opportunities in Orange County Real Estate
First let me wish a ‘Happy New Year’ to all. Yes, folks, 2010 is here. And with the new year, there promises to be a wealth of new opportunities emerging in the bustling world of Orange County Real Estate. So get up off your comfy couch and do what you’ve been wanting to do for a long time. Don’t let opportunity pass you by. Add that to your list of New Years resolutions right now.
So maybe you’re thinking about buying your first home. Perfect! If you’re an Orange County first time home buyer, the time has never been better. A major reason for such bright prospects is that there currently are a number of available incentives created to improve your overall experience.
If selling your home for the first time is on your mind, optimism is in order. Buyers are returning to the marketplace. So sellers rejoice! The market is definitely moving in the right direction. In fact, there are a number things going on that will make selling easier, from listing to close. If you’re worried about Uncle Sam taking a chunk, be aware you might be able to reduce your tax obligation with a few easy and yes, legal steps.
Perhaps you’re opting to make your first Real Estate investment. Believe it or not, there are well-focused ways to improve your financial future without getting an advanced degree from the school of hard knocks.
Indeed, the door of opportunity is opening wide in 2010. If you’re ready to learn more about the diversity of emerging Orange County Real Estate opportunities, I’ll be happy to help. Contact me at 949.338.7408. Or follow me @AngieWeeks or @WeeksTeam.
Read Full Post | Make a Comment ( 1 so far )Addicted To HGTV?
I recently found myself bored while my husband was out watching sports so I tuned into HGTV to see if anything interesting was on. Luckily for me “Design On A Dime” was being broadcast. This is an awesome show that has really helped me as an Orange County Realtor. Design On A Dime gives tips on how to sell your Orange County ca. home. The home stagers on this show come up with some fantastic creations that save home owners thousands all the while making homes sparkle.
I have begun using tips from this show (as well as other HGTV shows) to sell the homes I represent in Orange County. I find myself constantly amazed by the creations that these home stagers come up with and just how much money they save.
I’d now like to share with you some of my favorite tips from this show.
- De-clutter – Serious. Nothing else matters without it. Not your version of de-clutter, either. A professional organizers seal of approval is what’s going to get you an offer in.
- Make it yourself. In this economy, your elbow grease can pay off. go ahead, Use that scrap wood to make a clutter container, a mantle, a masterpiece!
- Improvise. If you want affordable design, you can’t be set in your ways. I loved the way they sewed together 3 bathmats to make a rug. There is always a cheaper solution if you are creative enough to improvise. And that MDM wood is a great option too!
- Recycle. I love the flea market dumpster diver approach! One mans trash truly is another’s treasure, so don’t be afraid to take something, fix it up, and make it yours. Plus it’s the green thing to do! Also, if you’re doing demo remember to call habitat for humanity.
Should you have any questions about these tips or if you’d like to share your tips with me, please contact me.
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