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Day: July 22, 2018

How to Get Rich Buying Real Estate From Your Parents With No Money Down and No Credit

You can get rich from the equity appreciation of real estate by buying property from your parents using traditional or creative financing that may or may not require a down payment or credit. Whether you are a first-time home buyer or an experienced investor, you can buy any type of property from your parents from a home you live in with them to an investment property you rent out to tenants. The following lists some reasons why you may find it faster, easier and financially more lucrative to buy from your parents than anyone else.

You Don’t Have to Buy an Entire Property

When you buy from your parents, you can purchase any percentage you want like 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, 50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} or 75{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. If you pay less-than-full price, you will have lower mortgage payments and buying a house is more affordable. Regardless of what percentage you own, you still get the benefits of home ownership such as equity appreciation, mortgage interest deductions, property tax deductions and capital gains tax exclusions.

You Can Share the Responsibility with Your Parents

When you buy a partial interest in a property, you and your parents share the responsibility of owning it including the mortgages you each carry, the property taxes, homeowners insurance or homeowners association dues, and maintenance. Because you have more than one person responsible for a property, you can rely on each other for financial strength in the event of hardship.

You Can Elevate Your Status From Renter to Owner

Are you already living at home rent-free or paying rent? Is so, why not buy into your parents’ house, since you already live there, and get an equity stake in their property? Then, you are no longer living with your parents but living in your house that you own with your parents. If your parents have more than one property, you can buy into one of their secondary or investment properties and live on your own.

You Don’t Have to Get a Loan From a Bank

When you buy from your parents, you don’t have to qualify for a loan from a traditional lender such as a bank which has income, asset and credit requirements because your parents can act as a bank and give you seller financing for your purchases.

You Can Create Your Own Home Loan

When your parents act as a bank, you can get favorable loan terms by structuring your own payment schedule with a manageable loan amount, lower-than-market interest rate and repayment term of your choice.

You Don’t Need a Down Payment

Unlike getting financing from a bank which has down payment requirements, you can buy from your parents with no money down.

You May Get Property Tax Benefits

Depending on the state you live in, your property taxes may not be reassessed at current values when you buy from your parents or grandparents because of a parent-child and grandparent to grandchild property tax reassessment exclusion. This is a huge benefit when parents and grandparents have had ownership for …

How to Plan a Cruise Vacation

A cruise vacation can be exciting as it offers a range of things like enjoying luxury services, enjoying gourmet meals, and shopping, all aboard a ship, while you are travelling from one place to another. However, if this is the first time you will be taking a cruise, then it’s always preferable to do some planning to so that nothing can go wrong with your vacation. Here are some ways to plan your first cruise vacation effectively.

Decide Where You Want to Go

It’s very important to choose your destination because certain parts of the world might not be feasible for cruising at particular times of the year. Also, deciding the route will help you adjust your budget. For instance, you can fly into a certain place, enjoy the stay there, and then get aboard the cruise. This way, you might be able to save some money on your travel. So, if you are booking cheap flights or any other part of the world, you will be able to spend the saved money on a cruise.

Get in Touch with a Travel Agent

If you are unsure of the route to take or the cruise to choose, get in touch with a travel agent. They will be able to help you out. In fact, they might even be able to guide on the best cruises in the world, while also keeping your budget in mind.

Set a Budget Aside

When you are travelling on a cruise, there will be many avenues where you can spend money. Which is why it is important to make sure you have budget and stick within that. Don’t go overboard with your expenses and spend your money wisely. Also, take most of your essentials with you so that you don’t have to spend money on buying them on the ship.

Get a Medical Checkup Done

A lot of people catch sea fever when they are travelling by the sea. If you have motion sickness, you have higher chances of falling sick on board. So, before you embark on your trip, get a full check up done and take necessary medications with you. Also, if you are suffering from any illnesses at the moment, take the prescribed medicines with you so that you don’t face any problem on board.

These are some of the ways in which you can book your first cruise holiday. Just remember to book flights to places that want to visit but aren’t covered by the cruise. Keep a close eye on your budget and make sure you have everything you need with you when finally set sail for our destination.…

Jobs For Teenagers Under 18 – Make Money Online Without Age Requirement

Are you a teenager that’s currently under the age of 18 and is looking to start making money on the internet. Maybe you are not personally the teenager but want to introduce someone that you know to making some partial cash on the internet! The great thing is that there is plenty of money to be made and there’s a fact that you can start today!

Now, here’s the question – how can I start making money today if I’m an 18 year old? The lucky thing for you is that there is tons of opportunity around and about the internet and the only thing that you have to do is to start today and begin raking in this tremendous amount of cash that is the internet!

Now what are some of the more specific ways that you can begin to make some cash online? Well for starters, there’s always the paid survey option. Believe it or not, people have achieved “full-time” incomes with paid surveys and have earned an incredible amount of cash doing it.

You see, paid surveys are easy, many of them do not have an age requirement, and if they do you can simply do the surveys and put the checks in the parent’s or guardian’s name (ask for permission of course). Now you simply fill out paid surveys, submit them, and build up money with the paid survey service.

Once you make a specific amount of money, anywhere from 10$ to 30$ in many places, you will eventually receive a check that can be deposited right away into your bank; and voila! You have made money on the internet!…

How to Compare Low Cost Health Insurance in Colorado

Comparison is the key to making almost any buying decision, and that is certainly true when it comes to choosing your Colorado health insurance plan. According to recent surveys completely 42{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all Colorado families are worried about paying for any health care at all. But do not be fooled into comparing only cost – when it comes to insuring your family's health care, cost is only one factor to consider.

Depending on your family's health care history and your expectations of health care needs for the coming year, you should also compare the annual maximum each health care provider is willing to pay, what each family member's co-pay will be for routine doctor visits, your co-pay for prescriptions, your out-of-pocket expenses for hospital stays, your coverage for emergency room visits, which doctors you are allowed to see and, finally, each plan needs to be compared based on the plan's deductible.

(The deductible is the amount you pay out of your own pocket each year before your health insurance begins paying off.

When all of those factors are taken into consideration, then you'll need to compare monthly premiums.

Here in Colorado you have more than half a dozen competitive plans to compare.

If it sounds like a lot of work – it is.

Even using side-by-side plan comparisons on the internet, trying to find and compare the best health care coverage for your family at the best cost is no easy matter. However, by concentrating primarily only on the benefits that are most important to you and your family you may be able to make the comparisons easier.

Health care is expensive. In fact, for more than 16 million Americans health care now consumes at least one quarter of their disposable income. That's why it's well worth whatever time and effort it takes for you to make the comparisons between health care plans so you can find the one that's right for you at a price you can afford to pay. …