November 15, 2000

Welcome to 0nly4Homebuyers Issue 26

Just a note to say Welcome to all our new subscribers, we
are glad to have you with us. Happy Thanksgiving everyone.
Have a wonderful holiday!!

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Play it Safe-Get an Inspection
by: Cindy Snyder

It is a good investment for sellers to do cosmetic improvements
in order to enhance the visual appeal of the property, prior to
putting it on the market. Most real estate agents will advise
sellers to fix up their homes in order to get the best possible
price. A fresh coat of paint or new carpet can often pay back
more than double the cost. But, before making cosmetic
changes to make the house "look good", let's think about
what is really important to the potential buyers of your property.

Your home could be gorgeous on the surface and extremely
ugly underneath. What do you think is more important to the
potential buyer? Nice paint and wallpaper or a deteriorating
foundation? Paint and wallpaper can easily be changed with
very little cost involved. A deteriorating foundation is another
story altogether.

A smart buyer will ask for a professional inspection of the
property in order to check for hidden problems. An
inspector will look for things like structural damage,
drainage problems, wiring and plumbing problems and
the like.

If you are the seller of an older home, you should
consider hiring an inspector to check for hidden
problems before you start working on the cosmetics.
You may have problems that you are unaware of that
could cost you hundreds or even thousands of dollars
to repair.

Even if the buyer is impressed with the carpet, paint and
"curb appeal", would they still be interested if, once inspected,
structural damage is found that will cost thousands to repair?
Probably not, at least not at the price you are asking.

Play it safe, get an inspector before you start working on
enhancing the "curb appeal" of your property. If serious
problems are found, you may decide to offer it as a fixer
upper property at a discounted price taking the necessary
repairs into price consideration. If no problems are found,
great! By all means, start working on those cosmetics!

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How To Beat The High Cost of Healthcare
by: Cindy Snyder

Did you know that there are over 44,000,000 Americans
without any healthcare coverage, and that over 75,000,000
Americans are under-insured due to age or pre-existing
conditions? America is in a healthcare crisis! With the high
cost of healthcare, and the double-digit increase in premiums
that are currently being experienced, many individuals do not
have access to the best healthcare in the world. Those that do
are paying a pretty penny for it.

I learned about a different kind of program while searching for
an alternative to the high cost of health insurance my family was
experiencing. We were paying over $400 per month in premiums.
We are relatively healthy and really don't go to the doctor except
for checkups once a year. When I sat down and figured out that
the one visit (each) per year was costing me close to $5000......well,
I knew I had to do something. I signed up on this program. Now I
pay $40.00 per month for the whole family. We have access to doctors,
hospitals, labs, dentists, pharmacy, chiropractors, even alternative
healthcare providers.

Yes, I pay more than a $10.00 co-pay when I go to the doctor,
but I am not paying $400.00 per month anymore! I have been on
this program for the last five months. Last month I went to the
doctor for an annual physical exam including an EKG and all the
lab work and so on, PLUS, I took my son for his yearly checkup.
Including the monthly fees for this program over the last five
months, I spent less than I would have spent in just ONE month
of insurance premiums!

This is the ideal solution to the high cost of healthcare for
my family. Everyone should have access to quality healthcare
at an affordable price, without the intervention of middlemen
(insurance companies). With my insurance plan, I used to have
to go to my Primary Provider just to get a referral, so I could go
to a specialist. Now if I need to go to a Dermatologist or an
Internist or our family doctor, I pick up the phone and make an
appointment with one of the providers in our network. I go for the
appointment, present my ID card and have them call the toll free
number on the back of the card. It's that easy.

For more information on this new and innovative program, I encourage
you to visit this website http://www.careentree.com/firsthealth
You can look up providers in your area and even enroll in the program
right on this website. If you are tired of the high cost of healthcare
and want to be able to manage your own health, (and your own money)
check it out.

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If you havea suggestion for an article, please email me directly at
cmc@... and tell me what you would like to see!
See you next month!

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