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I think credit is kilnilg America however we need it to keep the economy afloat so it is very tenuous, ie who could buy a new car for cash, no one or very few so we need credit. Tax advantaged credit ie student loans and mortgages are not so bad and at low rates, it is using the banks money to build wealth but credit cards etc are evil.No credit is not bad and easily fixable bad credit is bad and should be avoided at all costs. As a credit manager I'd give it to the no credit guy as he has a solid job and has never shown any reason to doubt him, why make him guilty before he has done anything wrong, the bad credit guy has proven he will not pay at least one time in his life, so he has a track record.By the way, I have bad credit as part of trying to start a small business so you'll see I am not prejudiced.
These days of austerity along with retilave panic about running into debt, most people balk contrary to the idea of utilizing a credit card to make purchase of merchandise or even pay for any gift giving occasion, preferring, instead only to rely on a tried plus trusted means of making transaction - raw cash. However, if you possess cash on hand to make the purchase fully, then, paradoxically, that's the best time for you to use the credit card for several motives.
First you might consider what form of real esatte investing your interested in? Office, residential, retail, ground leases, I personally like residential. It??ôs a market people have some intuitive understanding of. Books like Creating Wealth, Nothing down in the 2000??ôs, and Buy Rent and Sell, More wealth from Residential Property is good if you??ôre an Aussy.Out of these books decide on a simple strategy that sits well with you. Be it a buy and hold strategy, or on the other extreme getting your hands dirty by renovation and flipping.You??ôll need to develop a burning desire to manage the hurtles life will throw you. Books like Think and Grow Rich, or even Rich Dad Poor Dad are filled with pearls of wisdom that cover this.Of course Maplewoodjoe is right. Knowing the environment you??ôre in currently in can only help your position.
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They can't take it from another bank ancuoct unless you provide them with that information. However, you need to find a quick way to pay the mortgage before the bank calls in the loan. In other words, they can demand all the remaining mortgage you owe on the house and if you can't come up with it, they could start foreclosure proceedings. Good luck.
If you are talking about snllieg real estate as an agent, thenYou can take real estate classes in college or you can go to a real estate school (this is what most agents and brokers do) you will have to take a licensing test from the state.If you are talking about investing, then there are REITs you can invest in through a stock broker,If you are talking about investing by flipping (buying and fixing then snllieg)you will need to learn about costs of materials, value of real estate in your area, subcontracting for plumbing etc and have time for equity labor.below is link to kaplan schools, one of the better real estate schools
One of the best real estate opputronities at the moment is in Tuscaloosa. Because the university of Alabama is always expanding the rental market in that area is huge. I recently read some interesting information on about it and I am about to put down a deposit on my first home in that area.The best way to learn about real estate is by doing!
Look in your phone book for the local Board of Realtors. If you can't find it, call information. Or you can call any real esatte office/agent and they will point you in the right direction. You may even get sponsored by them. Sometimes they will pay for you to go to the real esatte classes.Also, you can look in the phone book for local colleges that might offer the real esatte classes you need to get.Good Luck!
If you are going to get into flipping a house, the most inportamt thing is to realize your limitations.Each day that the property sits is costing you money (which reduces your potential for profits). You shouldn't hesitate to hire out any repairs that you do not have the skills to carry out in a timely and efficient manner. Also, remember that when you hire out some of these jobs, the contractor often has a crew of people working for them, instead of just you and your husband.Your best course of action would be to stay VERY involved in the day to day management of the renovations, but to hire out most of the work. If you do not have the time to supervise, nor the experience, you would probably be better served by a really good general contractor. (If nothing else, hire the general contractor for the first couple of flips you do, and learn from them then attempt to be your own general contractor.)Best of luck!!!
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