10 Tips for Creating a Household Budget

Here are some ideas of how to start a budget process for 2011

Happy Veteran's Day

Happy Veteran's Day

7 things to avoid doing when looking to buy a new home:

7 things to avoid doing when looking to buy a new home:

 

1. Don’t change jobs! Stability is a must!
2. Do not make any larger purchase – like an automobile -Your debt to income ratio will be unfavorable.
3. Don’t move money from one bank to another, not even from one account to another – this complicates transaction process, looks like large deposits which need to be explained later 
4. Don’t run credit report online on yourself. It will look like one more inquiry
5. Do not consolidate your bills before speaking with your lender – mortgage person 
6. Don’t purchase furniture which does not need to be paid in two years – no matter what you are told, it will show up as debt on your account and lower your score. 
7. Don’t pack or store your tax and income information so that you have to look through boxes to find what mortgage company needs.

 

When in doubt ask your Realtor and your mortgage broker.

 

Please watch video - Cheerleaders dance for Susan G. Komen for the Cure

Hi everyone,


About 136 former cheerleaders got together to do a dance routine to benefit "Susan G. Komen for the Cure" (Breast Cancer). Each time someone views the video, United Healthcare will make a $.10 donation to the Komen organization. Their goal is to get a million hits, which will lead to $100K raised.

Please can you take a moment to watch the video - and, just as important, pass this link onto your network of friends, family and colleagues? It benefits a very important cause!

Thanks for helping!

Click:
www.KomenPhiladelphia.org/Video

Fall Back Tonight!

Change your clock and the smoke detector batteries! 

Delaware County Real Estate Market Statistics Single Family Homes

Delaware County Real Estate Market Statistics Single Family Homes


Inventory of single homes available for sale in in Delaware County Pa in September 2009 was 3312 in 2010 3842. In 2010 monthly accumulation is 9.9 months vs. 9.2 in 2009.

The good news is that homes in our area are holding their value - the median settled price has moved from $200,000 in 2009 to $220,000 in 2010.

Branka Doych's "November Real Estate Update"

Here is a link to my "November Real Estate Update":

http://realtytimes.com/144/BrankaDoych


This month's issue includes topics such as:

"Knowledge Is Power When You Buy A House";

"Four Questions Help Determine Improve vs. Move";

"Kitchen Remodeling Trends";

"Questions You Should Ask About Property Taxes";

"Eight Out of 10 Still Believe Buying a Home Makes Good Financial Sense";



Plus a roundup of October real estate activity as well as much more advice and information.

I hope you enjoy this monthly newsletter. If you have any comments, please e-mail them to me. Or, if you would like to see a certain topic covered in future months, let me know that too! Branka@BrankaDoych.com