Tag Archives: buying house

How to Buy a House For Back Taxes, Dirt Cheap, Without Competition

So you’re looking for a smarter way to buy a property, either to live in, or to invest in. Congratulations. If you’re reading this article, it means you’ve leapt out of the “thinking” phase and into the “doing” phase, and most people never make it that far. There are many deals to be had, if you’re willing to do a little research.

You’ve probably heard that tax foreclosure property is a great investment, and you haven’t been led astray; but now, you’re going to learn how to buy a house for back taxes, dirt cheap, without dealing with the headache of competition. If you’re looking for a cheap property to buy for yourself to live in, stay tuned as well- this technique will work even better if you’re not an investor!

Right now, throw out everything you’ve heard or read about tax sales. If you’re smart, you’re going to figure out quickly that you can’t compete with all the big companies that will be clamoring to bid against you at the sale. Tax sale, be it for deeds or liens, is not a place for the savvy investor in today’s market. There’s a much better way for you to buy a house for back taxes: from the tax delinquent owner himself.

Most people overlook this strategy, which is why you’ll find next to no competition. If you’ve ever tried buying directly from an owner in mortgage foreclosure, then you understand why this is so widely unappealing to failed mortgage foreclosure investors. Frequently you can’t get these owners to return your call for the life of you– and if you do get a deal, then you have to deal with mortgage, the second mortgage, the back bills, the back taxes; but when you buy a house for back taxes, it’s a different animal.

Why?

Because these houses almost never have a mortgage!

That’s right. The mortgage company takes care of any tax problems to avoid losing their interest in the property. So you’ll find almost all these houses are free of a mortgage, or they wouldn’t be up for tax sale in the first place.

Another thing that might seem counter-intuitive is that the owners will almost always return your calls, and when they do, they’re eager to make a deal with you to sell to you, and for dirt cheap, just to get the property out of their name! This is because, as you’ll see, many owners of these properties aren’t people who are down on their luck, and are losing their homes. They’re people who inherited property, or absentee landlords, who have had it with this economy, and actually let the property go to tax sale on purpose, just to get rid of it.

This gold mine of owners can be hard to find, making them great prospects, and you’ll be pleasantly surprised to find how many of these owners are ready to hand over their deed for a couple hundred dollars to you, just because they’d rather see it go to a nice, small-time investor like you, than to see it go to the government. If you’re looking to buy a property for yourself to live in? Even better. Expect to find owners even more excited to give it to you- for almost no money.

Advantages Of Hiring Property Lawyers When Buying Houses

It is essential for everyone to have the house of their dreams in order to create better future and improve their lifestyle. However, with the increasing number of houses available in the market, individuals will have a hard time examining and evaluating houses if it meets their needs and preferences such as the safety of their family.

One option that individuals can choose is to hire reliable real estate brokers. These experienced individuals can help house buyers assess the property and the house. From the land property aesthetics, the interior features and even the house condition, agents can surely help house buyers determine if the house can provide the features they need and determine the right value of the property. In addition, in case that you wish to find better houses, real estate agents can do the job for you in order to make your ventures a lot easier.

After choosing the house you wish to purchase, it is essential for house buyers to also hire property lawyers. These lawyers are also needed in order to ensure a better purchase and help you address all the legal documents you need. Here are other advantages that house buyers may obtain by hiring lawyers.

Legal consultation – For first-time house buyers, they need to understand the rules and policies of purchasing houses. Therefore, by hiring lawyers, individuals can learn and understand the different rules that encompass a house and property.

Review sales contract – Lawyers can help house buyers carefully review the sales contract they need to sign in which can help them determine if the agreement is properly done and there are no hidden terms in the document that may affect your purchase.

Assured house and property title – This is one of the most essential aspects in house buying since individuals must be sure that the house has legal documents and titles, giving buyers the assurance that the property has no certain problems.

Learn local zoning laws – Some local areas have certain laws with regards to building houses. Hence, house buyers can learn about the essential zoning laws in the area which can also help them determine if they can improve the property they purchased.

With the help of reliable property lawyers that offer these amazing features, house buyers can ensure their purchase and make their lifestyle better. They can also find the ideal house that can help them improve their future and make their ventures easier. For more, click here.

Fashion Do’s and Don’ts When House Hunting

Mark Nash author of 1001 Tips for Buying and Selling a Home offers homebuyers fashion home runs and strikeouts when shopping for a home. It might not be obvious that what you wear when house hunting can impact what you pay for a home. Years of showing homes and introducing prospective buyers to home sellers, the way buyers project themselves fashion-wise makes a big impression.

First impressions by real estate agents and home sellers are all they have when assessing potential buyers. If you appear well-groomed, under-stated and wear home price-range-appropriate clothes you could pay less than the tattooed, big-hair, over-jeweled and torn-blue jean buyer your in competition with in multiple-offers for the same home. Buying a home is a business transaction, think business wear when shopping for a home.

Women

-Pants are fine, but make sure they’re not low riders.

-Ditch the tee shirts, tank and tube tops. House hunting is not a vacation.

-Skirts are great. Minis send the wrong message.

-Wear comfortable but presentable shoes. You will be doing a lot of walking, climbing up stairs and in and out of transportation.

-Forget high-heels. Spiked heels on shoes can easily dent bamboo and other softer wood floors. Plus if you got into the yard to take a look at the roof you might end up aerating the lawn.

-Leave the animal prints for when you’re out to a nightclub. Busy or fussy fashion looks can be distracting and not on everyone’s top ten fashion list.

-Simple jewelry and limited amounts accent your business perspective. Omit the” bling” otherwise you might end up paying more for a home, because the sellers think you can afford it.

-Simplify make-up, hair and manicure styles to appeal to the majority of people. You’re not going to get a better deal because the sellers love your fabulous acrylic nails.

-No fur coats, ever. It’s a political and extravagant statement that could cost you a home or an additional $10,000.

-No low cut or revealing looks. Very rarely do homebuyers get a discount for sex.

Men

-Verify shoe soles aren’t caked with mud before you enter any open house. Many a homebuyer never made it to the kitchen after walking across freshly cleaned carpet with dirty shoes.

-No jogging, gym-wear, bike shorts or swimsuits. Unless, you’re testing the workout facilities in a condominium building on your second visit.

-Business-casual pants are best, but if you must wear jeans, make sure they’re clean and not ripped.

-Open collar shirts work fine, but realty agents and home sellers don’t need to see your buffed or not so buffed chest or four gold chains.

-Think twice about sporting more than one earring. If we were all the same life would be boring.

-Omit muscle and tee shirts and no underwear elastic waistbands displayed please. You might turn Ms. home seller on, but Mr. home seller might not appreciate it.

-Limit tattoo exposure, they’re the rage, but not for everyone. Ditto the ladies on this one.

-Wear simple patterned shirts with matching plain pants. Remember that red denotes power.

-Don’t over-dress to impress. Leave the cuff links and French cuffed shirts at home.

Both

-Coffee “go-cups” aren’t a fashion accessory. Coffee is easily spilled on carpets when walking up stairs or opening closets and cabinets when touring properties.

-Baseball caps are for bad hair days. Plus they send the wrong negotiating message when purchasing the largest asset you’ll own.

-Wet umbrellas should be parked outside the front door, not on hardwood floors or entry tables and chairs.

-Wear slip on shoes when touring open houses. You might be asked to remove your shoes out of cultural respect to the owner, inclement weather or newly installed floor coverings.

-If you don’t want to take off your shoes buy and carry blue disposable surgical booties-or ask your agent for a pair.

-You must wear socks or stockings. No sandals, period. If you are asked to remove your shoes, owners don’t necessarily want your bare feet on their floors.

-Cell phones. If you need to make or receive a call go to a place where you won’t disturb others at the open house. Never negotiate a home purchase contract on a different property contract while your viewing a home.

-Carry bicycle and motorcycle helmets with you. Ask before your park them on any surface.

-Shorts are okay if they are close to knee length. No torn or overly tight styles.

-Dress for the season. Don’t wear shorts in snow or black wool in August, even if it is your best house-hunting outfit.

-Remove your sunglasses when inside buildings. People expect some eye contact.

-Go easy on the perfume. Many people have allergies to it today and they could be the owners of the house you fell in love with.

-Put cigarettes, cigars and pipes out of view. They’re not exactly a popular fashion or political statement in 2006.

Children

-Tops, pants, shoes and socks required.

-Diapers are not fashion.

Buying a Home? Watch Out For These Estate Agent Tricks

This is the second in a series of three articles warning home buyers and sellers about the main tricks estate agents use to get hold of your money. These articles are aimed at helping you avoid being fleeced by your estate agent.

Selling to buyers

Although we all know that agents are acting for sellers, many are experts in befriending buyers and getting them to feel that they are on our side, working to help us get the best property at the best price. If you’re buying a property you should be on your guard against several sales traps including the block, stock-shifting, pumping up the price, the spider’s web and the sealed-bid scam.

1. The Block

Of all estate agents’ tricks, the block is probably the one people least expect. Most of us assume agents want to sell properties to us and so it doesn’t occur to us that they may be interested in preventing us from buying. There are several reasons an agent might try to block us from buying a property. The most obvious is that they’ve planned a slash-and-grab for themselves or one of their contacts and so don’t want us to disrupt their plans by buying at a higher price than they’re offering. Another reason may be that the agent has a buyer who is also taking out a mortgage through that agent or an associate mortgage agent. The agent can earn almost as much commission from flogging the mortgage as from selling the property and so may be less interested helping a buyer with cash or who has organised their own mortgage. In both these cases, an agent may withhold our offers from a seller or, if they do pass on our offers, they may discourage the seller from accepting them by suggesting that we may not be in a good position to buy. An investigation by one journalist found that of six offers made to estate agents, only two were passed on to sellers.

2. The stock-shift

Buyers may be looking for their ideal home, but agents can only sell the properties they have on their books. Moreover, they have to shift their stock if they are to meet their sales targets. Unless an agent is lucky enough to have properties that perfectly match buyers’ requirements, the only way they can get their monthly bonus is by convincing buyers to take whatever they’ve got to sell. So the art of a successful agent is to influence buyers to compromise and take what is available rather than hold out for their dream property.

There are various ways of getting buyers to compromise. The easiest is to use fear to push you into making an offer. An agent may tell you that they have the perfect property, that this has just come on the market, but that you’ll have to move quickly before someone else snaps it up. Or if a buyer is hesitating, the agent will use the phantom buyer trick and claim that several other buyers are also interested. To add a little colour the agent may also say that one of the phantom buyers is a cash buyer and therefore in a much better position than you. Or an agent may arrange for several buyers to view a property at the same time. This is intended to make buyers believe that there is competition for the property and can lead to buyers being infected by auction-fever – always a great way to spur them into action and push the price up. Typically an agent will say that prices in the area are going up so if you don’t buy quickly, you’ll end up paying a lot more in a few months time. And there’s the sandwich – here the agent shows a buyer three properties with the first and the third being either unsuitable or out of their range and the middle one being closer to what they want. This helps create the impression in the buyer’s mind that there are few properties fitting their requirements and makes them more open to being fobbed off with something which is reasonably close to what they were looking for.

3. The price pump

Research has repeatedly shown that around 70% of buyers spend on average about 20% more for their homes than they had originally intended. So, whatever a buyer may say to an agent about their price limit, the agent already knows from experience that the large majority of buyers can be squeezed well above this if shown a property they like. The simplest way for the agent to push the price up is to claim that they already have several offers on a property, so if you’re interested, you’re going to have to put in a fairly juicy bid. Or else an agent may use the build-up – show you four or five properties, starting with the cheapest and moving on to the most expensive. Most buyers, when seeing a property they really like, will stretch their financial limit rather than letting the property go to someone else. Another tactic is to show you a home that is way above your financial limit. In comparison, any subsequent properties will seem reasonably priced. Or the agent could use the sneer – take you to an expensive property and then suggest that it’s a pity that you can’t stretch your budget to buy such a perfect home. This is particularly easy if the agent can use buyer’s partner or family to pile on the emotional pressure.

4. The spider’s web

In addition to sellers and property developers, agents have a wide web of people who can help them increase their earnings. For example, if an agent convinces a buyer to use a particular mortgage advisor or supposedly independent financial advisor, on an average loan the advisor will pocket about £2,000 and the agent £1,000 to £1,500. Even if a buyer has finance available, an agent might tell buyers that ‘it’s company policy’ to ensure that all buyers get the best loan deals available and so, whether you want it or not, the agent makes an appointment for you to meet a mortgage salesman with business connections to the agency.

Similarly, an agent will usually get generous kickbacks if they pass buyers onto lawyers and surveyors that they regularly work with. An added advantage of using lawyers and surveyors known to the agent is that they will tend to overlook problems with properties to enable sales to go through. In any town or even areas of a city, most agents, lawyers and surveyors will have worked together in the past and none will want to upset any of the others. So even when a buyer believes their lawyer and surveyor are representing their interests, it’s likely that the lawyer and surveyor will be more sensitive about ensuring continuing a good relationship with the estate agent rather than worrying about the interests of a buyer that they will probably never deal with again. When I began to question both my lawyer and surveyor about things they had apparently ‘overlooked’, the lawyer paid me £6,000 and the surveyor £2,500 – this may have been because they were terribly nice people and particularly liked me; or it may have been because they realised their cosy little arrangement with the estate agent had been rumbled and so were keen to avoid any possibly embarrassing explanations. Any buyer who gets caught in the spider’s web of the agent’s business associates may find it a very expensive experience.

5. Sealed-bid scams

If there are several buyers chasing a property, the seller and agent may ask all the potential purchasers to submit their ‘best and final’ offer in an envelope by a certain date and time with the understanding that the highest bid will be accepted. This is a wonderful way of getting the price up as buyers’ competitive natures can cloud their common sense. But the sealed bid process is open to abuse. For a start, the seller doesn’t have to accept the highest offer – a slightly lower cash offer may be preferable to a higher offer from someone who needs time to arrange finance. Also, once the bids are opened, the agent can easily go back to the bidder with the deepest pockets and suggest that if they increase their offer by a certain amount, then the property is theirs. If they think a potential buyer has access to more money, the agent can also lie about the level of the highest bid or invent a phantom bid in order to push the price higher. Or, if they want to do a slash-and-grab to get the property for themselves, a developer, a family member or friend, then an agent may withhold some bids.

The CARDS Approach For Preparing To Buy A Home

Congratulations, and best of luck! You’ve made the decision, to seek, what for many, for generations, has been, which is the essential component of the so – called, American Dream – buying a home, of your own. When one proceeds, carefully, and wisely, and buys, what he needs, likes, can afford, and is located, in an area and neighborhood, you desire, you’ll have the best chance, of achieving your objectives, in a relevant, smart, priorities – oriented way. Since, for most Americans, their ownership of their house, represents their single, biggest, financial asset, doesn’t it make sense to pay keen attention, and get the best results? With that in mind, this article will briefly discuss, consider, and review, using the mnemonic approach, the CARDS approach to home buying.

1. Credit: For those who are well – prepared, before they begin their search and hunt, it has the potential to be, a satisfying, inspiring, motivating experience. An essential aspect and component, is to fully consider, review and prepare, so, your credit is your friend, rather than becoming an obstacle, and/ or worse! Several months before you begin searching, sit down with a recommended, mortgage professional, and gather relevant, meaningful, feedback. Then, address, any, and every area, suggested. Have all the necessary reserves, for down – payment, maintenance, several months carrying charges, etc. Carefully review your Credit Report, and address any issues, and make it, as favorable, as possible! Be prepared!

2. Attention: Pay keen attention to details, and never ignore, even the minor issues, but proceed, in a timely manner, to be, as prepared, as possible. Objectively, introspectively, examine your needs, goals, priorities, as well as limitations, and determine, the best course of action, to pursue.

3. Reserves: Accumulate all the reserves you will need, as well as those which might make you more comfortable! Obviously, you must have the down – payment. Have at least 6 to 9 months, reserves, put aside, for monthly carrying charges, etc. Create a reserve for repairs, renovations, maintenance, etc, so, home ownership, becomes a pleasure, rather than stressful!

4. Debts: Simply stated, reduce all other debts, so you have an easier time, qualifying for the best mortgage! Doing so, also, creates a form of needed, self – discipline! Aim to become your best friend, rather than being your enemy! Also, avoid taking out, any additional, new debts!

5. Savings: Focus on accumulating savings, as well as proceeding, efficiently in areas, such as energy, and other cost – savings, areas

Let the CARDS approach, work for you, so you are best – prepared, for home buying. Will you have the self – discipline?

Buying a House in Skopelos

Only in recent years have people from outside Greece been purchasing property here and in general the Greek people are fairly new to the concept of selling property at all! In previous generations houses were usually kept within the family and if the family couldn’t maintain their properties they often became ruins. This was accentuated by both rural depopulation and the world Diaspora of the Greek people and though this situation as provided an opportunity to purchase some wonderful pieces of property today it has also left us with a situation where people are often not versed in the trading and pricing of houses and land.

To give an overview of the price range, however, is useful to those who are looking for property in Skopelos and we can say that a house in Skopelos Town can be as little as 40,000euro, an average of 150,000euro for something that can be lived in straight away, or up to 300,000euro for something special (and big) and of course as nearly all properties on the island are fairly unique any variation of the above can occur and there very special residences which appear vary rarely which fetch prices up to 900,000euro!

Similarly land for building varies greatly by location, aspect, view and amenities and can be from 40,000euro to 100,000euro for a plot for one house on average and then for larger plots any multiples of the above.

There are no restrictions on citizens of EU countries buying property anywhere in Greece. Some restrictions apply to non- EU citizens buying property in areas designated as “border areas”. Non-EU citizens should apply to the Local Prefectural Authorities if they want to buy property in certain parts of Northern Greece, Crete, Rhodes, the Dodecanese islands or islands in the eastern Aegean Sea. (This does not apply to Skopelos island.)

The transfer of property ownership is always executed in the form of a notarial deed. When the actual agreement is drawn up by the notary and signed by the contracting parties two lawyers are present one on behalf of the seller and one on behalf of the buyer. Your lawyer is there to ensure that you are not cheated, that the title deeds are without impediment, and to determine the objective taxable value of the property. Before the actual sales agreement is signed, your lawyer will conduct a thorough search of the archives at the Land Registry office to make sure that there is no impediment or obstacle to the transfer of ownership and that the title deeds are in order. This does not take long and it will soon be time for you to sign the sales agreement/contract at the office of the notary.

The deposit

It is normal to deposit 10% of the agreed purchase price when the preliminary agreement is made. You may lose your deposit if you change your mind. If the seller changes his mind, he is obliged to return your deposit to you.

Written preliminary agreements may be dispensed with if the property is not of very high value or if it is obvious that the transfer of ownership will be completed in a relatively short time. Where a preliminary agreement is drawn up, it states who the parties to the agreement are, what the property is, what price has been agreed how the money will change hands. It also includes any other conditions agreed upon.

The notary will want to see that all the necessary documents (tax, deeds etc.) are in order before drawing up the sales agreement /contract. The deposit commits both buyer and seller. One of the differences between purchasing property in Greece and purchasing property in other countries is that most buyers have ready money; there is no chain involved, so it does not take long for the transfer of ownership to be completed. You should have at least enough money for the deposit ready to hand. You would not like to miss a good opportunity because you were too slow with the deposit. The deposit also reduces the likelihood of the seller accepting a better offer. It is wise, easy and quick to open a bank account in Greece.

If the search at the Land Registry office reveals an impediment, your deposit will be returned. If the seller simply changes his mind, he must return the deposit plus 100% in compensation. If the buyer changes his mind he forfeits the deposit. In effect, the deposit binds both buyer and seller to their word.

You will have to pay a one-off purchase tax. The amount payable is calculated on the basis of the “assessed value” of the property. The assessed value is lower than the actual market value. The tax due is 9% to 11% of the assessed value.

Planning permission

Planning permission is a matter of course if your piece of land is within the confines of a village, town or city. If your piece of land is not within the confines of a village, town or city, but is within the area covered by town planning, you will be granted permission to build on it provided it measures 2,000m 2, and borders with a municipal road. If your land is not within the confines of a village, town or city, and is not within the area covered by town planning, you will be granted permission to build on it if it measures 4,000m 2 or more, provided it is not within a forested area, and no restrictions are imposed by the Department of Archaeology. Only fully qualified, registered architects or engineers are allowed to apply for building permits. The cost is approx. 4% – 5% of the estimated cost of the building. Municipal taxes and duties are incorporated in electricity bills. The amount added to your two-monthly bill is negligible and includes a compulsory television license.

What You Should Consider Before Buying a Home

Purchasing a home can be one of the most significant events in a person’s financial life. For most people, it can be their largest asset or their biggest obligation. Determining the right time to buy will make or break your investment. If you act responsibly, it could be one of the best periods in time to buy a home. Housing prices are at record lows and deals are in abundance. Taking the proper steps can ensure a return on your investment.

The housing market is definitely a buyer’s market. The truth is that most of the country is still recovering from housing decline that started in 2006. In some areas of the country, some homes are listed at prices lower than the average sedan. This won’t last because indicators are showing that the over all market is showing signs of recovery. Some cities are showing appreciation in median home prices and others are still down. Doing a little research about the city your planning to buy in can go a long way.

Interest rates have remained at an all time low. Prime rate has remained at 3.25% for over 8 years and conventional mortgage rates typically are not much higher. Depending on your loan program you could pay less than prime. Deciding on buying your rate will also be something to think about.

How much can you really afford? This is one of the most important questions. Some loans allow for a max of 50% Debt to income ratio. Note that all conventional loans currently have a 41% maximum ratio before the buyer is forced to pay private mortgage insurance. Keep in mind that guidelines change constantly, so make sure to ask your lender. Even with these underwriting guidelines there is still much to consider. You are likely to have other expenses that are not part of your debt ratios. Things like putting money away for retirement and a child that may be going off to college are important to consider.

Your loan program will be a major factor. 20% is a must for a conventional loan. It allow for an equity position from the start getting into a loan. This gives the owner the ability to maneuver if they have to refinance or sell. anything above the 80% the borrower will be forced to pay private mortgage insurance. The reason for PMI is that in case of default debt will fall in to lien positions. Any taxes owed first, 1st mortgage, 2nd mortgage. that 20% can easily fall into third position which creates the need for mortgage insurance. FHA and VA loans are government subsidized loans that come with their own requirements.

Can You Compromise? Tips for Couples on When to Rent Versus Buy

There will come a time in the lives of couples when moving in together or getting married is the next step in the relationship. The house or apartment search can be difficult if you are single or in a relationship, and knowing what you and your partner expect out of your new living arrangements is essential to being able to compromise on your next new living space.

There are compromises to be made when choosing whether it is best to rent a property or buy a home as a couple. You and your partner may have had a variety of living experiences between the two of you that may make choosing your future accommodations difficult to make a decision about.

There are pros and cons to renting versus owning a property, whether you are in a relationship or not. As a couple it is important to be realistic about your financial situation as well as your plans for the near future which could make the decision of whether to rent or buy much easier.

If you and your partner have the financial ability to put a down payment on a house and have decent credit in order to apply for a mortgage and other loans, you are in a financially stable position in order to buy a house. If you have consistent employment and are going to be staying in the same place for the next few years and have agreed that buying a house is also a good choice based on your lifestyle, then buying a house isn’t a bad idea.

Couples should remember that a home is an investment. Buying a home can be a good investment or a bad one, just like renting a home could be a valuable time and money saver in the short or long term. In many cities the real estate market is volatile, confusing, and unhealthy for buyers who wish to make a return on their investment in a few years when they sell their home.

Before choosing whether to rent or buy a property check to see the cost differential between the two options. If renting for a few years (factoring in utilities, parking, and other miscellaneous costs) is going to be cheaper than buying a home and taking on the extra costs of that (debt, Home Owners’ Association fees, etc.) then renting might be your best bet. Renting also allows you the flexibility to renegotiate a lease, take advantage of an inexpensive living situation, move easily if you need to, and gives you added time to decide if you want to buy a home in the near future.

Buying a home is not always the best financial option, but if you and your partner are financially stable and committed to living in a location for a few years or longer, then buying a home could be a good choice. Homes give your family room to grow, often have yards, and can offer more privacy than an apartment complex or duplex living situation.

Buying A Home in La Jolla Can Have Its Perks

Thinking of buying a home in La Jolla, California? The area is one one of the most beautiful coastal cities in the United States. Living here, near San Diego, has many positive perks. There are great restaurants, shopping, and a great active life.

  • Sammy’s Pizza – Sammy’s Pizza was the original Sammy’s Woodfired Pizza that opened in 1989. This was San Diego’s first restaurant that introduced the concept of woodfired pizza. Sammy’s Pizza is located on Pearl Street, a prime street, and only blocks away from the La Jolla Beach. Sammy’s has cabana covered settings outdoor, surrounding a large fire-pit. They also use local, organic, and nutritionally balanced ingredients when possible.
  • The Birch Aquarium – The Birch Aquarium, is a “public exploration center for the world-renowned Scripps Institution of Oceanography” at University of California San Diego (UCSD). This Scripps Aquarium provides education of ocean science through activities, creative exhibits, and programs. These creative approaches help children and adults use critical thinking and help show them how science is relevant to their daily lives.
  • Westfield UTC Mall – Westfield UTC Mall is an open-air shopping mall located the University City community of San Diego California. The UTC Mall has recently undergone extensive renovation in 2012 for more of a resort-inspired shopping. Now the UTC customers feel like they are on vacation while they shop. Shop and wander past chic boutiques under cabana-lined walkways. Relax and enjoy the nightlife at the new Palm Plaza – “a haven of palm trees and fire pits for cocktailing or catching a live performance”.
  • Torrey Pines Golf Course – Torrey Pines Golf Course is, a world-renown facility, situated atop of the coastal cliffs overlooking the Pacific Ocean. This golf course is “recognized as the premier municipal golf course owned and operated by a city”. It offers a widely distinguishable 18-hole championship golf course that yearly host the PGA TOUR’s Farmer Insurance Open event. “Torrey Pines also offers one of the largest on-course golf shops in the United States, expert instruction, tournaments, and advanced golf schools”.
  • CorePower Yoga – CorePower Yoga is located in the La Jolla Colony Shopping Center, off Regents Road in the UTC shopping district. “The studio is situated on a first floor suite within the University Town Center shopping district”. These yoga classes are done in their climate-controlled environments that efficiently heat and maintain the yoga class. These classes are set to energized music while helping those to become more strengthened, balanced and detoxified. While building a core powered body, you will also enlighten your body and mind.

La Jolla has so many things to offer that are both exciting and family-friendly. Enjoy an amazing wood fire pizza with your family and friends on a Friday night, at Sammy’s Pizza. On Saturday, spend the day at the beach, Birch Aquarium, or the Westfield UTC Mall.. And if you want a Sunday to yourself, go golfing at the Torrey Pines Golf Course or unwind at CorePower Yoga. La Jolla has so many activities, restaurants, beaches, and active life to making it the perfect family community.

Home Buying: Prepare To Be CREDIT – Worthy

Since the vast majority of homeowners, especially, of first – time ones, use a mortgage, as a major component, in having the necessary funds, needed to purchase a particular property, common sense should indicate, it’s essential to ensure your CREDIT is of a quality, which makes you credit – worthy, and capable of qualifying, for the necessary financing. Buying a house, is a complex, complicated, important process, which, for most people, represents, not only a place to live, but their single – biggest, financial asset. With that in mind, this article will attempt to briefly examine, consider, and review, using the mnemonic approach, why this matters, and some things to consider.

1. Cash on hand; creative; consider: Buying a house requires having a considerable amount of cash, on hand, even when you use a mortgage. This includes, monies needed for a down – payment, closing costs, necessary reserves, and generally, at least 6 months, monthly payment, is required by many lending institutions. Home buyers should have the creativity and vision, to consider whether a particular property is right for you, and whether the bones, of the house, make it a smart decision.

2. Reserves; reside; region; right for you: Do you have the necessary reserves needed, both as a requirement of the lender, as well as for repairs, renovations, etc? Will it be a place, you wish, to reside? Always consider, after looking at the pros and cons, whether a particular house, is right, for you!

3. Exist; excellence; energy: Will a particular property, enhance your focus on doing more than, merely, existing, and, rather, seeking whatever you consider, to be, the utmost excellence? The right house should energize your existence!

4. Delve deeply; discover; deduce: Begin the process, by delving deeply, into your financial picture. Acquire your free copy of your Credit Report, and check for any detrimental areas, etc, and fix them, prior to beginning your search. Discover as much, relevant information, as possible, and seek, to deduce, what might be needed, to make you more credit – worthy!

5. Image; imagination; incentives; insights: For most, their personal self – image, directs them to a particular house. You need the imagination, to balance what is, with the possibilities, and potential. Examine which lending institutions, might be offering incentives, and whether, you qualify, or what you must do! It’s your personal insights, which make the biggest difference!

6. Timely: Is this the right time, to buy a house? Are you prepared, emotionally, and financially? Are mortgage interest rates, favorable, and are all your personal finances, prepared, and set – up, for the better? Once you discover the home, for you, will you be ready, willing and able, to take, well – considered, timely action?

Consider you CREDIT, and do all you can, to enhance your credit rating. If you want to purchase a house, it’s important, to begin, prepared and ready.