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How Much Is Your Life Insurance Policy Really Worth?

Yet, after years of paying premiums into the plan, many policy holders are highly reluctant to just drop their coverage altogether – especially given the miniscule amount of cash surrender value they are likely to receive in return.

There Could Be a Better Way

Over the past few years, however, many seniors – primarily those who are age 70 and over – have discovered a much better alternative for finding out how much their unwanted life insurance coverage is really worth out in the market place through selling by way of a life settlement transaction. And, it might surprise you to find that their value is likely much higher than your insurance company wants you to think.

February 20, 2014

General

5 Real Estate Commission Negotiating Tips

You probably know that your real estate agent will make a commission on any sale. Whether you’re buying or selling your home, there is a fee for the service that must be paid, and both agents involved, the listing agent and the buying agent, will take a cut, although it is up to them to determine what percentage of the commission each person receives. However, it can be confusing trying to determine who is paying what. In a general sense, the buyer always pays because the commission is part of the final sale price. But since the money comes of the sale price, you could also argue that the seller is ultimately responsible for the cost of commission. What is more important to understand, though, is that you can negotiate the price of commission, no matter which side you’re on. And there are several ways to do it.

Request a reduction. The price of commission and the degree to which it can be negotiated will vary not only by the sale in question, but also by the agents involved. However, the best way to find out if you can get a reduction is to ask. In some cases the agent will offer a discount in order to get your business. Or there may be other circumstances that will allow you to negotiate for a deal of some sort, but you won’t know unless you ask.

December 17, 2013

General

How What You Say Can Impact Your Finances

Did you know that what comes out of your mouth actually has a big impact on what happens in your life? If you are going around saying you are poor, even if you are not poor, you will likely become poor or you will always feel poor just because that’s what you are saying.

Most of us say what we truly believe. For the most part, if we don’t believe something we don’t say it, unless we are pathological liars. But just what is my point? Well, if you are someone who always says and thinks that they are poor, then that will become their reality even though it could have been easily avoided.

Now, there are truly poor people in the world. But there are many other people in the world who never have been poor in their lives, who have never even experienced what being poor is like, but just the same, they think that they are poor.

Here is my challenge to those who find themselves often saying they are poor or that they cannot afford to buy this or that: Stop saying that unless you really do want to be poor!

November 20, 2013

General

How To Determine The Right List Price For Your Home

Although the real estate market is certainly more stable than it’s been over the past several years, it’s still pretty tough. So if you happen to be someone who is thinking about putting your house on the market, it’s going to require some savvy and know-how in order to get your house to move fast and for you to make a good profit. In the efforts to help you do both, one thing that you have to do is determine the right list price for your home.

If you’re not quite sure about what all of that entails, this is a great article for you to read because we actually have five things that we feel will assist you in coming to the right asking price for your home below:

Get your home appraised. You might think that your house is the best thing ever but when prospective buyers are walking through the rooms of your house, they are going to want to get more than your opinion. This is why it’s important to hire someone to come over and appraise your home. It will give you a factual estimate of what your house is actually worth.

Look at it from a “local” perspective. Even if you and someone you know have extremely similar houses, including the floor plans, if you both happen to live in different states you can’t really compare the value of the houses. That’s because each market varies from state to state. So as you’re looking to get a general idea of how the real estate market is doing in order to figure out what to charge for your own house, narrow it down to the areas where you live; that will offer you a more accurate assessment.

November 7, 2013

General

Cheap Tutoring Options For High School Students

Most of us remember what it was like to be in high school. More specifically, to be in a class in high school where either we didn’t really understand what was going on or, when we got our test scores back, they were lower than we thought they would be. It wasn’t so much that we didn’t study; it’s simply that we were having a harder time in that particular subject than others. And if our parents were playing close attention to all of this, one of the things that they might have done was gotten us a tutor.

Now we’re the parents and we see our son or daughter in a similar situation. If you want to get someone to assist them but your budget is tight, we want to share with you five cheap tutoring options; that way, your child can get the help that they need and you won’t have to spend a fortune in the process.

Check with their school. There are a lot of high schools that offer tutoring services (especially peer-to-peer ones) after school that are free of charge and so the first thing that we recommend is that you check with the administration. Chances are, even if your child’s high school doesn’t, they can put you in touch with a teacher or upperclassmen who can be of assistance.

October 30, 2013

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