August 17, 2001

Welcome to 0nly4Homebuyers Issue 35.
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I apologize for the lateness of this month's issue.
I have been having "computer problems and had to
reformat the harddrive!! Sorry!

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In This Issue:
It might be a remodeling scam
IRS Liens - What to do?
Eight Time Saving Cooking Tips
Is it Ethical to Try to Remove Bad Credit?
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It might be a remodeling scam if ...
By Jay MacDonald • Bankrate.com
There are warning signs, say experts, that your remodeling
contractor may be a scam artist. Or may simply be really
shoddy or bad at what they do. If you are concerned by
these red flags, see our main story about how to check
thoroughly on anyone you might contract to do work for you.
Read the whole story here
http://www.bankrate.com/dls/news/loan/20000523a.asp
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IRS Liens- What to do?????
by Cindy Snyder

I had a potential customer contact me this past week.
He said he made 70K and had good credit, but, about
10 years ago, he was unable to pay his taxes and the
IRS put a lien against his credit. He wanted to buy a
home. I told him to contact an attorney.

Unfortunately, when the IRS has a lien against you,
it is next to impossible to get a mortgage loan. Why?
Because the IRS can sieze your assets. The home is
considered an asset even if you owe money on it. If
a bank loans you the money for the house and it is seized
by the IRS, they have no recourse. (Except of course,
they can always sue you). No bank in it's right mind is
going to touch that!

So, if you have a tax lien, contact an attorney that
specializes in taxes. The IRS is like any other creditor.
They want their money and may very well be willing to
get part of it as opposed to none of it. Your attorney
make be able to help you settle for pennies on the dollar.
It's worth a try.

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Eight Time-Saving Cooking Tips
Author: Rachel Paxton

Eight Time-Saving Cooking Tips
by Rachel Paxton - rachel@...

1. Plan meals at least a week in advance to incorporate the use
of leftovers. For example, have baked chicken, mashed potatoes,
and gravy for dinner Sunday, and then use the leftover gravy as
the base of beef stroganoff Monday.

2. If you know you're not going to have time to cook one evening,
prepare two dinners the night before and just reheat one the next
night.

3. When preparing a meal using grated cheese, chopped onions,
etc., prepare more than the recipe calls for and refrigerate the
rest for another meal.

4. Clean your kitchen workspace as you go. When you're done there
will be little left to clean.

5. On grocery shopping day, have your children help individually
wrap their cookies, snacks, etc., for their lunches. Makes lunch
preparation for the rest of the week a breeze and snacks
don't disappear before lunches are made.

6. Don't hide your cookbooks away. Organize them where you can
get to them easily, and you will use them a lot more.

7. Keep a notepad on the front of the refrigerator for your
shopping list. When you run out of something write it on the list
right away. Encourage family members to do the same.

8. Prepare favorite beverages like lemonade, tea, or Kool Aid in
gallon-sized pitchers, and you won't have to make them as often.

Rachel Paxton is a freelance writer and mom who is the author of
the Creative Homemaking Recipe of the Week Club Cookbook, a
cookbook containing more than 250 quick easy dinner
ideas. Visit Creative Homemaking at
http://www.creativehomemaking.com and in the
Home and Garden section of Suite 101 (http://www.suite101.com).

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Is it Ethical to Try to Remove Bad Credit?
Six Credit Card Secrets the Banks DON'T Want You to Know.
Wipe Out Debts Without Bankruptcy.
Guerrilla Tactics For a Good Credit Rating.

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Please feel free to share this newsletter with your friends.

If you have a suggestion for an article, please email me directly at
mailto:cmc@... and tell me what you would like to
see!

If you would like to read more articles about buying or selling a home,
please visit our website at http://www.creativemortgageco.com/

Til next time. Have a great month.
Cindy

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