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#46 From: "Cindy Snyder" <cmc@...>
Date: Thu Jul 18, 2002 12:43 am
Subject: Newsletter Closing 		snydermom
Offline Offline
Send Email Send Email
 
Hello Readers of 0nly4Homebuyers,
 
I know you were expecting the regular newsletter, but I am writing to let you know that the newsletter is closing.  I have thought about it and agonized over it and procrastinated over it and finally....I have decided to close it.  So, there will be no more 0nly4Homebuyers.  I simply do not have the time necessary to produce a quality, informative product for you at this time. Too many other obligations.  Thanks for al your support over these last couple of years.  Good luck to all of you.
 
Cindy Snyder
 
 
Residential mortgage loans in 45 states
http://www.creativemortgageco.com/
 
Looking for a Home-Based Business or just want to save on your family's healthcare bills?
http://www.firsthealthsource.com/

Reply | Forward | Messages in this Topic (1)
#45 From: "Cindy Snyder" <cmc@...>
Date: Tue May 21, 2002 6:50 pm
Subject: Issue 43 0nly4Homebuyers 		snydermom
Offline Offline
Send Email Send Email
 

May 21, 2002


Welcome to 0nly4Homebuyers Issue 43.

 

You are receiving this newsletter because you
or someone subscribed you to our list. If you
do not want to receive any more issues go to
yahoogroups using this link
http://www.yahoogroups.com/group/0nly4Homebuyers

*****************************************************
In this Issue:

Credit Repair-How To

Why Budgets Don't Work and How to Fix It
***************************************************

Credit Repair-How to

 

You see the ads all the time on TV, newspapers, the internet.  Here is an example:

 

"Erase bad credit-100% guaranteed or your money back!"

"Create a new credit identity legally!"

"Remove ANY bad credit from your credit file."

 

Do yourself a favor and save your money. These companies appeal to

people across the country. They promise to help you get your credit

straight so you can get a car loan or a mortgage. After you pay hundreds

of dollars, you will likely end up with nothing to show for it. Except possibly

a jail sentence if you do something illegal.

 

Some companies are claiming to create a "new credit identity" by applying

for an Employee Identification Number from Social Security and then using

the EIN instead of your social security number when applying for credit. 

Not a good idea!   It is a federal crime to make false statements on a loan

or credit application, misrepresent your Social Security number or obtain an

EIN under false pretenses.

 

You CAN improve your credit file, but there are things that you can not fix! 

If you have a legitimate lien, judgement or bad mark on your credit, the chances

are you are not going to get it removed.  If it is NOT a legitimate charge, you

can fix it yourself by simply writing a few letters. Write the credit bureaus and

make a formal complaint.  Write letters to the creditor and be sure to send

copies of your letters to the credit bureaus as well.

 

For charge offs or written off accounts, you may be able to "settle". Here is

how it works.  Lets say you owe Johnson's Dept store $328.  You never

paid and now it is on your credit report as a written off account.  You really

do owe this money.  Now, you could dispute the fact that you owe it and if

the store doesn't respond to the inquiry within 30 days, the credit bureau

DOES have to remove it. 

 

However, the store can re-enter the charge as soon as they are able to

prove it really is owed by you, so if you really owe it, why bother?

That is what these credit repair companies do....They dispute the

claims of the creditors in the hope the creditors will not respond! What

they don't tell you is that the creditor can come back AFTER the file has

been removed and have it put back on your file simply by sending the

information to the credit bureau, showing that you DO owe the money!

 

There are several options for you to get bad credit off your file. The first

thing you should do is get a copy of your credit report.  You should do this

at least once a year anyway, just to see what is on there.  Then, if you do have

something on the file that you feel is in error, dispute it.  You can get a FREE

credit report by clicking this link.  AOL users, copy and paste into your browser. 

http://www.freecreditreport.com/index.asp?sourceid=00330369275596272479 

 

In the case of written off accounts, contact the store and ask them how much it

would take to settle the accout.  You may be able to settle the account for a

fraction of what is owed.  It will still show on your file, but will be marked paid, which

is a plus.  After a certain length of time, it will automatically come off.  If it remains

unpaid, it can stay there indefinitely, if the debt is sold to a collection agency.

 

For late payments over 30 days, you just have to live with it until it comes off. 

Length of time varies depending on what type of account it is.

 

For judgements and liens, you generally have to pay them in order for it to be

marked satisfied. Then it will come off eventually.

 

If you have open accounts that you are not using, close them and notify the

credit bureaus that they are now closed. Too many open credit accounts

count against your credit score.

 

The best advice anyone can give you is to guard your credit carefully. 

Don't fall into a credit trap and overextend yourself.  But, if it happens....and

it does....you just have to bite the bullet until you can get things right again. 

Don't waste your money on these "credit repair" folks, your money would be

better spent paying your bills!

 

 

*************************************************

Why Budgets Don't Work and How to Fix It

By Terry Rigg

 

This article is for those families that have sat down at a desk or the kitchen

table time after time trying to develop a family budget that they can live with.

Why don't they work?

There are several answers to that question. Most budgets are doomed

from day one because they are too complicated, don't have the

commitment of all involved or the numbers simply don't add up.

The biggest culprit is that most people don't allow for unexpected expenses.

Let's tackle these one at a time:

Too Complicated: When you list every expense you have on your

budget you set yourself up for defeat. Some budgets include such

things as cleaning supplies, dog food, haircuts and car gas. In order

to keep track of all of these you would need a new box of envelopes

every month.

Answer: Streamline your budget. By simply including a topic on your

budget entitled "Household" where you can include everything you

spend money on each month, excluding bills. Groceries will undoubtedly

be the largest expense in this category. By taking the extra time to figure

what needs to go into your household budget when you set it up, you can

save a lot of time each payday.

Commitment:

1. Many times the commitment to live by a budget is lacking.
2. People get into spending habits that are hard to break.
3. There is constant friction in the family over money.
4. It is more comfortable to live beyond your means.

Answer: You have to consider all of the above problems when setting

up your budget. The Family Budget is just that, the FAMILY BUDGET.

Everyone in the family that is old enough to count should be included.

I don't mean to say that children should have a say in where the money

goes, but they should be aware of what the spending limits of the family

are. If you work closely with your spouse in developing a family budget

you both are more likely to stick to it. There is one other detail that will

help. By setting aside money for yourself and your spouse, that you don't

have to account to the other for, your budget is more likely to succeed.

The Numbers Don't Add Up: You have more budget than you have paycheck.

Generally, this is caused by not being realistic in your budget. You try to make

your paycheck fit your budget.

Answer: Start by listing your household expenses and bills. Then include 10%

of your income for long and short term savings. If this total is more than your

paycheck, you have to cut back. Start by looking at your household budget.

Are there items that you can do without? If you have money left over after

considering all of the above, then increase your savings.

Unexpected Expenses: This can be from your car breaking down, need

a new washer or any number of other expenses that you can't predict.

Answer: While long term savings is for things such as a home or car

purchase or college for the kids, short term savings is just as vital to

your financial security. A short term savings will accomplish two

things. It will provide you with the money you need to pay those

unexpected expenses and it will cut down on the use of credit

cards. The short term savings could save you hundreds of dollars

a year.

When you develop your budget, keep the following things in mind:

1. Make your budget a simple as possible
2. Get the family involved.
3. Make your budget fit your paycheck, not the other way around.
4. Plan for the unexpected.
5. Visit The Complete Budget and Bill Organizer for more details

Terry Rigg is the author of Living Within Your Means - The Easy Way

and editor of The FREE Budget Stretcher Newsletter and Budget Stretcher web site.

He has 25 years of experience counseling individuals and families concerning

personal finances.
 

***********************************************************

Need help paying your Doctor bills?

Savings on Hospitals & Physicians, Dental,

Prescriptions, Vision, Hearing Aids, etc
NO Claim Forms, NO Limitations!
All Pre-existing Conditions Accepted!
Entire Family For $54.95 Per Month


WORK AT HOME OPPORTUNITY.Marketing Reps needed!!

Insurance license not required!
mailto:cindy@.../?subject=REPINFO

 

****************************************

 

* CREDIT SECRETS 2001

 

If you have ever had credit problems in the past

This new e-book is for you.  Credit Secrets 2001

Instant download of this and other e-books for only

$20.00!! You also get full re-sale rights, which means

you can then turn around and sell the books yourself!

For more info, please visit this website
http://www.directpaylist.com/index.asp?ref=1364

Payment is made via Paypal to get these e-books.

No paypal account? Go here and sign up for FREE.
https://www.paypal.com/affil/pal=PVU5RWJXDM8UC

This is a great way to send and receive money online
and it doesn't cost a dime! Plus you get $5.00 just
for signing up! I personally use Paypal and I love the
convenience of being able to send or receive money instantly!

***********************************************
Please feel free to share this newsletter with your
friends. If you have a suggestion for an article,
please email me directly and tell me what you would
like to see! mailto:cmc@...

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

Til next time. Have a great month.
Cindy

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please email me directly mailto:cmc@...


***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!


Reply | Forward | Messages in this Topic (1)
#44 From: "Cindy Snyder" <cmc@...>
Date: Tue Apr 23, 2002 1:47 am
Subject: 0nly4Homebuyers Issue 42 		snydermom
Offline Offline
Send Email Send Email
 

April 22, 2002


Welcome to 0nly4Homebuyers Issue 42.

 

Ok, I must be getting old!! The 15th passed me

By and I forgot all about the newsletter!! It

Must have been the IRS deadline on my mind.

Sorry folks, I will make this a short one. Stay

Tuned for the May 15th edition.  I promise to do

Better.


Please share this newsletter with your friends.
If you have a suggestion for an article,
please email me directly and tell me what you would
like to see! mailto:cmc@...

 

If you would like to read more articles about
buying or selling a home or if you need a mortgage

loan, please visit our website
http://www.creativemortgageco.com/

*********************************************

You are receiving this newsletter because you
or someone subscribed you to our list. If you
do not want to receive any more issues go to
yahoogroups using this link
http://www.yahoogroups.com/group/0nly4Homebuyers

***************************************************
 


*****************************************************
In this Issue:

Credit reports, where do I get one?

Why Refinance?


***************************************************

Credit reports, where do I get one?

 

It is very important for you to know exactly what is on

your credit report. Don’t go applying for a mortgage loan

until you know what the lender will find.  You can write or

call the credit bureaus directly with the information below

or just click on the link to get a free report.

 

Go over it line by line.  If you have open credit accounts

That you are no longer using, write and close them, send

Copies of the letters to the credit bureaus asking them to

Update your files.  This is important.

 

Any derogatory credit needs to be fixed if possible.  If you

Owe a company money and it has been a long time, say 4 or 5 years

You may be able to pay a portion of the money owed and they will

Mark it paid, but it isn’t going to happen unless YOU contact them

And ask. Once done, make sure the credit bureaus are notified.  Send

Them copies of your correspondence and receipts.

 

Having too much credit can be a bad thing as well.  The more credit

You have available the more trouble you can get into…at least that

Is the way lenders look at it.  So don’t apply for or keep ten

Different credit cards.  You are best off with maybe three, four max.

 

Did you know that the electric and phone companies are considered

Creditors?  You want to make sure to pay these bills on time as well. 

 

Experian (TRW)

PO Box 2104

Allen, TX 75013-2104

800-682-7654

 

Equifax

PO Box 105873

Atlanta, GA 30348

800-685-1111

 

TransUnion

PO Box 390

Springfield, PA 19064

800-916-8800

 

Get your FREE credit report with your FREE trial of the

CreditCheck Monitoring Service!  There's no risk and no obligation.

You can even check your credit scores!!

Click here or copy the whole thing and paste into your browser

http://qspace.iplace.com/cobrands/15/product3.asp?sourceid=00330369275382352442

 

*************************************************


Why Refinance?

 

Lower Interest Rates

One of the main reasons homeowners refinance is to take advantage of lower

interest rates.  For example, if you have a fixed rate mortgage and the interest

rates have declined since you obtained the loan, you may want to consider

refinancing for a lower rate.  Generally, you will want to wait until you can

lower the rate at least 1 1/2  to 2 percent.  For example, let’s say you purchased

your home with a 9% rate 2 or 3 years ago.  At today’s rate of  6.75%,  you would

save a significant amount of money off your monthly payment each month.  On a loan

of $100,000 you would save $156.03 per month!!  Could you use that extra money?

 

Of course, there are other factors to consider.  If you are planning on moving within the

next year or two, it may not be worth the costs involved.  You would need to see how

much the cost would be and make your decision based on how long you plan to stay in

the house and how long it would be before you broke even.  Let’s say your cost of the

refinance was $3000.00.  Divide that by your savings of  $156.03.  It would take you

a little over 19 months to break even on the loan.  Of course, you would also want to

consider that most of the costs involved can be rolled back into the loan itself, so you

would have very little out of pocket expense.

 

Build Equity Faster

Another reason to refinance is to build your equity faster.  Many homeowners want to

build equity in their homes faster and choose to refinance in order to shorten the term

of their loan.  For example, from a 30 year loan down to a 15 year loan.  Let’s take

same $100,000 loan at 9%.  The principal and interest payment would be $804.62

for 30 years, but on a refinance for 15 years at 6.75%, the payment would only be

$884.90.   A difference of only $80.28 per month and you can pay off your loan in

half the time. 

 

Switch from an Adjustable Rate to a Fixed Rate

During the times when interest rates were higher homeowners sometimes chose an

adjustable rate over the fixed rate because adjustable rates can be so much lower. 

Also an adjustable rate can get you into a larger home right away, sometimes

homeowners will choose the ARM because they know that their income will be

increasing significantly over time. Many people will want to refinance when they

see the rates start going up!  Personally, I prefer a fixed rate so I know it can’t go up.

 

Draw on Equity Already Built Up

A homeowner may want to refinance and get cash out with a refinance.  In this way,

you can tap into the equity already built up in your home.  This is especially nice if you

are refinancing for a lower rate to boot!  You can use this money for college, home

improvement or debt consolidation.  For that matter, you could take a trip to Tahiti! 

 

 

***********************************************************

Need help paying your Doctor bills?

Savings on Hospitals & Physicians, Dental,

Prescriptions, Vision, Hearing Aids, etc
NO Claim Forms, NO Limitations!
All Pre-existing Conditions Accepted!
Entire Family For $54.95 Per Month

http://www.careentree.com/firsthealth

No time to go to the website? Get Instant info
delivered straight to your email inbox.
mailto:creativehealthcare@...


WORK AT HOME OPPORTUNITY.Marketing Reps needed!!

Insurance license not required!
mailto:cindy@.../?subject=REPINFO

 

****************************************

 

* CREDIT SECRETS 2001

 

If you have ever had credit problems in the past

This new e-book is for you.  Credit Secrets 2001

Instant download of this and other e-books for only

$20.00!! You also get full re-sale rights, which means

you can then turn around and sell the books yourself!

For more info, please visit this website
http://www.directpaylist.com/index.asp?ref=1364

Payment is made via Paypal to get these e-books.

No paypal account? Go here and sign up for FREE.
https://www.paypal.com/affil/pal=PVU5RWJXDM8UC

This is a great way to send and receive money online
and it doesn't cost a dime! Plus you get $5.00 just
for signing up! I personally use Paypal and I love the
convenience of being able to send or receive money instantly!

***********************************************
Please feel free to share this newsletter with your
friends. If you have a suggestion for an article,
please email me directly and tell me what you would
like to see! mailto:cmc@...

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

Til next time. Have a great month.
Cindy

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please email me directly mailto:cmc@...


***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!


Reply | Forward | Messages in this Topic (1)
#43 From: "Cindy Snyder" <cmc@...>
Date: Thu Mar 21, 2002 12:34 am
Subject: Issue 41 		snydermom
Offline Offline
Send Email Send Email
 

March 20, 2002
 

Dear Readers,

Welcome to 0nly4Homebuyers Issue 41. I apologize

For the lateness of this newsletter.  I try to get

It out by the 15th, but I know you all understand

That sometimes, it just doesn’t happen. 

Please share this newsletter with your friends.
If you have a suggestion for an article,
please email me directly and tell me what you would
like to see! mailto:cmc@...

 

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

*********************************************

You are receiving this newsletter because you
or someone subscribed you to our list. If you
do not want to receive any more issues go to
yahoogroups using this link
http://www.yahoogroups.com/group/0nly4Homebuyers

***************************************************
Buying a home?  Check your credit report NOW!

Ensuring the accuracy of your credit report before your lender sees it

could save you time and money.  To qualify for the best loan rates possible,

be sure to correct possible inaccuracies before they interfere with your home

buying plans. Get your FREE credit report with your FREE trial of the

CreditCheck Monitoring Service!  There's no risk and no obligation.

You can even check your credit scores!!

 

Click here or copy the whole thing and paste into your browser

http://qspace.iplace.com/cobrands/15/product3.asp?sourceid=00330369275382352442


*****************************************************
In this Issue:

Buying a Home “AS IS”

5 Ways to use a Refinance
***************************************************

Buying a Home, “As Is”.

 

While you are looking at properties to buy, you may run across one that is being sold, “As Is”.  This means that the owner is not willing to fix whatever may be wrong with the home in order to complete the sale.  Although you may think you have found a great deal, beware of this type of sale!

 

If you are really interested in this home, hire an inspector first and foremost.  Have the inspector check for any and all problems.  You don’t want to go into this type of buy with out knowing all the facts.  It may be that the house just needs a coat of paint.  Possibly the roof leaks and will need to be repaired or replaced.  Maybe the foundation is cracked or any number of other things could be wrong.  These problems can range from a couple hundred dollars into the thousands.  You might want to take it a step further and hire someone to test the soil or get a structural engineer to conduct tests.

 

You want to read any disclosures very carefully.  Selling the property As Is does not  relieve the seller of telling you of any “known” defects.  But you should also anticipate paying less for the home.  A seller that wants to sell, “As Is”, is not planning on spending any money on the house, so be prepared to figure in the costs of repairs in your offer and then offer accordingly. The seller should recognize that the home is less than desirable than one that is in perfect condition, so go low.


**************************************

CREDIT SECRETS 2001

 

If you have ever had credit problems in the past

This new e-book is for you.  Credit Secrets 2001

Instant download of this and other e-books for only

$20.00!! You also get full re-sale rights, which means

you can then turn around and sell the books yourself!

For more info, please visit this website
http://www.directpaylist.com/index.asp?ref=1364

Payment is made via Paypal to get these e-books.

No paypal account? Go here and sign up for FREE.
https://www.paypal.com/affil/pal=PVU5RWJXDM8UC

This is a great way to send and receive money online
and it doesn't cost a dime! Plus you get $5.00 just
for signing up! I personally use Paypal and I love the
convenience of being able to send or receive money instantly!

*************************************************
5 ways to use a Refinance

 

Borrowers can use a refinance to their benefit in more ways than one!  Here are five ideas to use a Refinance Loan.

 

1. Build Equity Faster. Many people are refinancing in order to build equity faster. If you can afford the extra money each month, this is a great way to not only build equity, but save literally thousands of dollars in interest. But brace yourselves. Even at a lower rate, the payment is going to be higher in most cases.  For those of you that plan on staying in your home long term, it may be something you want to seriously consider.

 

2. Pay off Credit  Cards. Another way to use a refinance to your advantage is to pay off high interest credit card debt.  Credit card interest is not deductible.  Mortgage interest is deductible and of course, the lower the interest rate, the less you end up paying.

 

3. Pay off your car or boat.  Again this interest is not deductible.  Why not use the mortgage deduction to your advantage?

 

4. Improve your home. Add an extra room or just paint and wallpaper the existing space. Build a deck or porch.

 

5. Put in new windows to improve energy efficiency.  Stop heat or air loss and save on the utility bills.

 

********************************************************************************

Need help paying your Doctor bills?

Savings on Hospitals & Physicians, Dental,

Prescriptions, Vision, Hearing Aids, etc
NO Claim Forms, NO Limitations!
All Pre-existing Conditions Accepted!
Entire Family For $54.95 Per Month

http://www.careentree.com/firsthealth

No time to go to the website? Get Instant info
delivered straight to your email inbox.
mailto:creativehealthcare@...

 

Reply | Forward | Messages in this Topic (1)
#42 From: "Cindy Snyder" <cmc@...>
Date: Mon Feb 18, 2002 3:50 pm
Subject: Issue 41 0nly4Homebuyers 		snydermom
Offline Offline
Send Email Send Email
 

February 18, 2002


Welcome to 0nly4Homebuyers Issue 41.

 

Alert! Alert! Alert!

 

This week I was contacted by a subscriber who complained

that she had ordered software from Freesoft.com using

an ad in this newsletter.  She said she had never received

the software and was having trouble contacting the company.

 

I was able to contact freesoft.com with no trouble.  They seemed

Very anxious to rectify any problems. The information was and

hopefully the situation is now resolved, however, I am wondering

if anyone else has encountered a problem with this company.

 

Although we try to verify each ad (and company) we use is legitimate,

your feedback is essential.  We will not do business with scammers or

anyone who is not responsive to our subscribers.  If you have had

problems with this company, please email and let me know the

particulars. mailto:cmc@.../?subject=freesoft

 

Thanks

Cindy

 

PS: Please share this newsletter with your friends.
If you have a suggestion for an article,
please email me directly and tell me what you would
like to see! mailto:cmc@...

 

*********************************************

You are receiving this newsletter because you
or someone subscribed you to our list. If you
do not want to receive any more issues go to
yahoogroups using this link
http://www.yahoogroups.com/group/0nly4Homebuyers

***************************************************
Buying a home?  Check your credit report NOW!

Ensuring the accuracy of your credit report before your lender sees it

could save you time and money.  To qualify for the best loan rates possible,

be sure to correct possible inaccuracies before they interfere with your home

buying plans. Get your FREE credit report with your FREE trial of the

CreditCheck Monitoring Service!  There's no risk and no obligation.

You can even check your credit scores!!

 

Click here or copy the whole thing and paste into your browser

http://qspace.iplace.com/cobrands/15/product3.asp?sourceid=00330369275382352442


*****************************************************
In this Issue:


***************************************************

Understanding Interest Rates

What is RESPA?

Shopping around (Excerpt from FTC.Gov)


**************************************

CREDIT SECRETS 2001

 

If you have ever had credit problems in the past

This new e-book is for you.  Credit Secrets 2001

Instant download of this and other e-books for only

$20.00!! You also get full re-sale rights, which means

you can then turn around and sell the books yourself!

For more info, please visit this website
http://www.directpaylist.com/index.asp?ref=1364

Payment is made via Paypal to get these e-books.

No paypal account? Go here and sign up for FREE.
https://www.paypal.com/affil/pal=PVU5RWJXDM8UC

This is a great way to send and receive money online
and it doesn't cost a dime! Plus you get $5.00 just
for signing up! I personally use Paypal and I love the
convenience of being able to send or receive money instantly!

*************************************************
Understanding Interest Rates and Points

 

The interest rate that you are quoted by a lender is the number that is multiplied

by the loan balance to determine the interest payment.  The rate quoted on a

mortgage is an annual rate, but it is applied monthly.  This is called the  APR

(Annual Percentage Rate).

 

On a Fixed Rate Mortgage, the interest rate is “Fixed” meaning it does not

change over the life of the loan.  If you keep the loan for 1 year or 30 years,

the rate stays the same.  Many people prefer the Fixed Rate over an adjustable

rate because it can not ever change.

 

On an Adjustable Rate Mortgage, (ARM) it can change each year. Usually

the first year the rate stays the same.  After the first year, it may go up (or down)

depending on the current rates.  You can get ARM’s that are fixed for 1, 3, 5

and even 10 years before the rate changes.  Usually this is a trade off since the

rate starts out being lower than with a fixed rate, but it can end up higher, just

depending on the changes in the economy.  If you don’t plan to be in the house

for a long time, this may be the way to go.

 

Points are related to the interest rate.  A lender may offer a fixed rate at 7.5%

with zero points or 7.0% with 2 points.  Each “point” will cost you 1% of the

loan amount.  For example, with a $100,000 loan, each “point” would cost

you $1,000. This is called buying down the rate.  The points are paid at closing

along with all your other fees. Only you can decide if buying down the rate is

right for you.  If you are planning to be in the home for a long period of time,

 it may be worth it to you.  However, if you think you may refinance at some

point in the future, maybe not.

 

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What is RESPA?

 

RESPA stands for the Real Estate Settlement Procedures Act and

is a consumer protection statute. It was first passed in 1974. The

purpose of the act is to help consumers become better shoppers for

settlement services and to eliminate kickbacks and referral fees that

increase the costs to the consumer.

 

RESPA covers mortgage loans on one to four family residential properties.

It requires that borrowers receive disclosures at various times.  These

disclosures spell out the costs associated with the loan, outline how

the lender will service the loan and describe escrow account practices,

among other things.

 

RESPA prohibits certain practices that increase the cost of settlement

services. For example, RESPA prohibits home sellers from requiring buyers

to buy title insurance from a particular company.  It also prohibits anyone

from giving or accepting anything of value for referrals of business related

to a federally related mortgage loan.

 

When you apply for a mortgage loan, you should receive a Good Faith Estimate

of settlement costs and a Mortgage Servicing Disclosure Statement.  The GFE is

just an estimate of what you are likely to pay at settlement. The MSDS discloses

whether the lender intends to service the loan or transfer it to another lender.

The lender is required to mail these documents within three business days of

receiving the application.  However, if lender turns down the loan within three

days, they are not required to send the documents.

 

RESPA also sets limits on the amounts that a lender can require a borrower

to put into an escrow account.  The lender must perform an account analysis

once a year and notify the borrowers of any shortage.  Any excess of $50 or

more must be returned to the borrower.

 

HUD has authority to impose a civil penalty on loan servicers who don’t submit

escrow account statements to borrowers.  A borrower can bring a private law suit

or a class action suit against any servicer who fails to comply. 

 

Borrowers with a problem should contact their loan servicer in writing,

outlining their complaint.  The servicer must then acknowledge the complaint

in writing within 20 business days of receipt.  They then have 60 business days

to resolve the issue by correcting the account or providing a statement explaining

its position.

 

If you have an unresolved complaint, you should write a letter outlining the violation.

Identify the violators by name, address and phone number.  Be sure to provide

your information so HUD can follow up with you.  Complaints can be sent to:

 

Director, Interstate Land Sales/RESPA Division

Office of Consumer and Regulatory Affairs

US Dept of Housing and Urban Development

Room 9146

451 7th St SW

Washington, DC 20510

 

 

**************************************************

Get Your FREE Credit Report Online!
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

*******************************************

Excerpted from the ftc.gov site.  Good information, click the link

Below for the rest of the story…….

 

Shopping around for a home loan or mortgage will help you to get the

best financing deal.  A mortgage---whether it’s a home purchase, a

refinance or a home equity loan—is a product, just like a car, so the

price and terms may be negotiable.  You will want to compare all the

costs involved in obtaining a mortgage.  Shopping, comparing and negotiating

may save you thousands of dollars.

 

Obtain information from several lenders.  Home loans are available from

Several types of lenders, thrift institutions, commercial banks, mortgage

Companies and credit unions.  Different lenders may quote you different prices,

So you should contact several regarding your application, but they are not

Obligated to find the best deal for you unless they have contracted with you

To act as your agent.  Consequently, you should consider contacting more than one

Broker, just as you should with banks or thrift institutions. 

Read more here. 

http://www.ftc.gov/bcp/conline/pubs/homes/bestmorg.htm

 

************************************************

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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 and tell me what you would
like to see! mailto:cmc@...

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

Til next time. Have a great month.
Cindy

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Reply | Forward | Messages in this Topic (1)
#41 From: "Cindy Snyder" <cmc@...>
Date: Sat Jan 19, 2002 6:30 pm
Subject: 0nly4Homebuyers Issue 40 		snydermom
Offline Offline
Send Email Send Email
 

January 19, 2002


Welcome to 0nly4Homebuyers Issue 40.

 

Happy New Year!

Please share this newsletter with your friends.
If you have a suggestion for an article,
please email me directly and tell me what you would
like to see! mailto:cmc@...

 

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

*********************************************

You are receiving this newsletter because you
or someone subscribed you to our list. If you
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***************************************************
Buying a home?  Check your credit report NOW!

Ensuring the accuracy of your credit report before your lender sees it

could save you time and money.  To qualify for the best loan rates possible,

be sure to correct possible inaccuracies before they interfere with your home

buying plans. Get your FREE credit report with your FREE trial of the

CreditCheck Monitoring Service!  There's no risk and no obligation.

You can even check your credit scores!!

 

Click here or copy the whole thing and paste into your browser

http://qspace.iplace.com/cobrands/15/product3.asp?sourceid=00330369275382352442


*****************************************************
In this Issue:

Bankruptcy Problems

Need help with a Down Payment?

Credit Secrets 2001
 
***************************************************

This is an email I recently received.  Since there

Is so much bankruptcy going around, I wanted to

Address this situation.

 

Dear Cindy,
 My wife and I are very interested in purchasing
a house. We are currently shopping around for a
mortgage. There are a few circumstances that we

need to work around.

 

One is I went through an Bankruptcy, it was discharged

in July 1998. Two, we need to get into a house with no

money down.


My income for the year is $54,000.00.  I have been
employed with the same company for ten years.
The house we are looking at is for $135,000.
We want to get into this house with only
three percent down or less. The house is being sold by

owner and he will not pay closing costs.
If this is possible please contact us at
---------------------------------------------.

 

OK, let’s address the bankruptcy.  It was discharged

in July of 1998.  That is 3 ½ years ago.  If this couple have

rebuilt their credit file with good information, there is no

reason they can not get a mortgage loan.  However, the chances

of them getting in with three percent down is not so good with

a conventional loan.  However, they may…and remember I said

may….be able to qualify for an FHA backed loan.  The FHA has

relaxed somewhat in their guidelines, so it is certainly worth a try.

 

Another option might be to see if the owner would consider a Lease

To Buy option, where they would give him the three percent down

and then lease for a year with option to buy.  At the end of the year,

they could then buy the house, but it would be treated like a refinance.

Caution here, make sure you have the terms of the sale in the lease!

It should state the price of the home and show the down payment, etc.

Remember though, if you default, you will lose your down payment.

 

As for the income of $54,000, no problem there.  They could qualify

with that amount of income easily for a home that is selling for $135000.

Of course, much depends on debt to income ratios.  So I am assuming

they do not have a lot of debt.

 

Here is another email dealing with Bankruptcy.

 

******Dear CMC

 

I'm interested in apply for a mortgage.  I just filed bankrupcty and got
discharged on Dec. 27, 2001 under a chapter 7.  I wanted to know what are
my chances in getting a mortgage.  How much would I be qualified for, if any.

 

This situation is not as positive.  The bankruptcy was

just discharged less than a month ago.  His chances of getting

a mortgage are slim to none, unless he has a HUGE amount of

cash for a down payment.  I am talking about 35% at least,

possibly more. 

 

The best thing to do is wait.  Work hard to rebuild the credit

File with good information.  Establish some accounts with

credit cards, maybe two, even if you have to get a secured

card. Charge a little and keep it paid on time, every time.

Try to establish a good record with the utility companies as

well, believe me, the mortgage companies check with them for

your credit history. 

 

After a year, with good credit history over the last year,

you are looking at 20% down, after two years of good credit,

you might get away with 15%.  But remember, you are still

going to have a high interest rate.

 


**************************************

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Need Help with a Down Payment?

Interesting article on Bankrate.com’s website about

help with down payments. 

 

Coming up with a down payment has traditionally been

one of the biggest obstacles to buying a house.  But

savvy buyers can take advantage of programs designed

to cure the down payment blues without charging high

interest rates.

 

You can read the whole story here.

http://www.bankrate.com/dls/news/mtg/20020110a.asp

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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 and tell me what you would
like to see! mailto:cmc@...

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

Til next time. Have a great month.
Cindy

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Reply | Forward | Messages in this Topic (1)
#40 From: Cindy Snyder <cmc@...>
Date: Mon Dec 17, 2001 5:29 am
Subject: 0nly4Homebuyers Issue 39 		snydermom
Offline Offline
Send Email Send Email
  
December 16, 2001

Welcome to 0nly4Homebuyers Issue 39.

Dear Readers,
Just wanted to take this opportunity to wish all
our readers a Merry Christmas and a Wonderful
New Year!

Please share this newsletter with your friends.
If you have a suggestion for an article,
please email me directly and tell me what you would
like to see! mailto:cmc@...

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

Cindy
*********************************************

You are receiving this newsletter because you
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*****************************************************
In this Issue:
Credit and Divorce
Last Minuite Spruce Up's

***************************************************
Credit and Divorce

Happily ever after doesn't always happen. When
divorce strikes, you need to know what is going
on with your finances, and how non-payments could
affect you and your credit rating. There are two
types of credit accounts and each one affects
your credit rating differently.

Individual Accounts
Companies grant you individual credit accounts
based on your income, assets, and credit history.
You alone are responsible for individual credit
accounts. Your payment status will show up on
your credit report. You can make other individuals
authorized users on your account. This gives them
access to use the credit, and payment status may
show up on their credit report as well. However,
the authorized user is normally not responsible
for paying the debt. The exception is in community
property states (Arizona, California, Idaho,
Louisiana, Nevada, New Mexico, Texas, Washington,
and Wisconsin) where you and the authorized user,
if it's your spouse, may be responsible for
paying the debt.

Joint Accounts
Companies grant joint credit accounts based on
you and your spouses income, assets, and credit
history. This is often useful when one spouse
doesn't work outside the home. Payment status
is reported on you and your spouse's credit
history and you are both responsible for
repaying the debt.

What Happens in a Divorce
Knowing what accounts you are responsible
for is very important during a divorce.
Although a judge may assign your spouse
an account to pay off, if you are listed
on the account with the creditor, ie. you
have a joint account, you are still
responsible to the creditor for the debt.
This is where most people let the guard
down. You believe that since your spouse
was ordered by the judge to pay a debt,
that your spouse will in fact pay the
debt and you aren't responsible for it.
But what happens when your spouse doesn't
pay the debt? The information goes on YOUR
credit report! Divorce decrees don't remove
responsibility for debts.

What You Can Do
Make sure payments are up to date on all
your individual accounts and your joint
accounts during a divorce. Joint accounts
can be changed to individual accounts to
move responsibility to only one party.
Depending on the type of credit this could
be as easy as asking to have the other
individual removed, but you may have to
refinance the debt in order to make it
an individual account, such as mortgages.
Keeping honest communication with your
spouse may be key to keeping your credit
history in good shape, it will be worth
it in the end.
--------------------------

Copyright 2001 MomsBudget.com - Providing
financial resources for women who happen
to be mothers. Sign up for our newsletter
by sending an e-mail momsbudget-subscribe@...
***********************************************

Last Minuite Spruce Up's

As soon as you decide to put your home on the
market, you know you need to make sure the house
is sparkling inside and out.  The grass should
be mowed, leaves raked and carpets cleaned and
your closets straightened out. But what should
you do last minute, before the agent brings
someone over to show the house?  Plenty!

Obviously, I don't need to tell you that you
need to make sure that everything is spotless.
Here are a few extras that you can use to make
your home more appealing.

Go through the house and open all the shades
or blinds. Draw the drapes back from the
windows,(which should be spotless. A bright
house looks more cheerful AND much larger.

Turn on all the lights, even in the daytime.
If you have ever gone looking at builders homes
the lights are always on, always. Turn off
noisemakers such as the tv or dishwasher. Tune
in the stero to easy listening, something neutral
and make sure it is on low volume!

If possible, set your dining room table with your
best linens and china.  Make sure all the beds are
made with your best spreads or comforters. Put all
toilet seats down and put out brand new towels.
Don't forget the hand towels and guest soaps.

Spray some room freshener throughout the house.
This is especially important if there is a smoker
in the house and make sure all ashtrays are emptied
and out of sight. You might want to simmer some
potpouri if you have time. Take out the trash.
If you have a dog or cat arrange to take it to a
neighbor and be sure to get rid of the litter box!

During the holiday season, use your best decorations
and really go all out.  Imagine the family dreaming
on their next holiday season in their new home!

***********************************************

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*************************************************

Get Your FREE Credit Report Online!
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

*******************************************

Please feel free to share this newsletter with your
friends. If you have a suggestion for an article,
please email me directlyand tell me what you would
like to see! mailto:cmc@...
If you would like to read more articles about
buying or selling a home,please visit our website
http://www.creativemortgageco.com/

Til next time.  Have a great month.
Cindy

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***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!

Reply | Forward | Messages in this Topic (1)
#39 From: Cindy Snyder <cmc@...>
Date: Thu Nov 22, 2001 3:13 am
Subject: 0nly4Homebuyers Issue 38 		snydermom
Offline Offline
Send Email Send Email
  
November 21, 2001

Welcome to 0nly4Homebuyers Issue 38.

Dear Readers,
I apologize for the lateness of this issue.  I have
been a bit "under the weather" these last few days.
Hope you all have a wonderful holiday. Don't eat too
much Turkey!
Cindy
*********************************************

You are receiving this newsletter because you
or someone subscribed you to our list.  If you
do not want to receive any more issues go to
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http://www.yahoogroups.com/group/0nly4Homebuyers

***************************************************

In this Issue:

NewsFlash! Rates at All Time Low
Reverse Mortgages
Snowman Wall Hanging
Free Software Offer

***************************************************
Mortgage Rates Near An All-Time Record Low!

According to Freddie Mac's most recent Primary
Mortgage Market Survey, 30 year fixed mortgage
rates averaged only 6.56% with an average of 0.9
points.The weekly average above is for the week
ending November 2, 2001. This extremely low mortgage
rate average is very close to the lowest average ever
recorded by Freddie Mac which occurred in Oct.1998
when the weekly average was 6.49% for the week
ending October 9.

With mortgage rates near record lows, homeowners
interested in refinancing their mortgages are
advised not to wait for further market changes
but to lock in their mortgage rate to assure
that they are securing a historically excellent
mortgage rate.

Compare from the best financial products and services.
Get real-time rates and terms from America’s leading
providers. Apply securely right online. It’s easy,
fast, and can save you money!

http://creativemortgageco.financialcircuit.com/

******************************************************

Reverse Mortgages

If you are short on cash and big on home equity,
a reverse mortgage could be beneficial. A reverse
mortgage converts the equity in your home into cash.
It works the opposite way a regular mortgage does,
instead of you paying the lender each month, the
lender sends you payments based on your loan, either
in a lump sum, monthly, or as a line-of-credit.

There are three types of Reverse mortgages, insured,
uninsured, and FHA, and there are fixed and adjustable
interest rates. You may also have to pay origination
fees, closing costs, and insurance premiums. Most
service charges can be financed into the loan, which
of course increases the overall costs of the loan.

The loan is paid back when you sell your home, die,
or reach the end of the loan term. If you die, your
heirs must repay the loan either by refinancing
into a forward mortgage, or by selling the home.
Since the loan uses your equity, there may be little
left for your family, so this should be considered.

There are some advantages to using a reversed
mortgage as income. The loan advances are
nontaxable so they don't affect Social Security
or Medicare benefits. If you receive Supplemental
Security Income they don't affect your benefits
as long as you spend them within the month you
receive them, and it's usually the same for
Medicaid (check with local authorities). The
interest on the loan isn't tax deductible
until you repay some or all of the loan off.


Copyright 2001 MomsBudget.com - Providing
financial resources for women who happen to
be mothers. Sign up for our newsletter
mailto:momsbudget-subscribe@...

***********************************************

A POWERFUL WAY TO SAVE! Savings on Hospitals
& Physicians, Dental, Prescriptions, Vision,
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************************************************

Snowman Wall Hanging--Craft

Would you like to learn how to make a
Snowman Wall Hanging? This cheerful
snowman will greet visitors as they
come in the door. Hang him on the door,
in the entryway, above your kitchen counter,
wherever his cheerful face fits best!

Just click on this link.
Amanda Formaro of The Family Corner offers
this and other great rafts on her site.
Check out the photo of this little guy!
Instructions included as well. Enjoy!

http://www.thefamilycorner.com/homegarden/crafts/wall_snowman.shtml


**************************************************

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AOL Members Click Here</a>
****************************************************

Please feel free to share this newsletter with your
friends. If you have a suggestion for an article,
please email me directlyand tell me what you would
like to see! mailto:cmc@...
If you would like to read more articles about
buying or selling a home,please visit our website
http://www.creativemortgageco.com/

Til next time.  Have a great month.
Cindy

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

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Reply | Forward | Messages in this Topic (1)
#38 From: Cindy Snyder <cmc@...>
Date: Wed Oct 17, 2001 11:51 pm
Subject: 0nly4Homebuyers Issue 37 		snydermom
Offline Offline
Send Email Send Email
 
October 17, 2001

Welcome to 0nly4Homebuyers Issue 37.
You are receiving this newsletter because you
or someone subscribed you to our list.  If you
do not want to receive any more issues go to
yahoogroups using this link
http://www.yahoogroups.com/group/0nly4Homebuyers

ATTENTION READERS!!
Please let me know what kinds of articles you
would like to see in this newsletter! If you have
a suggestion for an article or just want to learn
more about something please let me know!
mailto:cmc@...?subject=SUGGESTION

******************************************************
Loans America allows you to shop hundreds of
lenders with just one click. Fill out one loan
application and within 24 hours you will receive
a response from the best loan offer for your
specific lending needs.

This is the easiest way to shop for all types of
loans. You can compare your offers and choose
the loans that are best for you. It's FREE!!
http://www.mortgageloansamerica.com/cgi-local/af/b.cgi/352
********************************************************
In this Issue:
Home Decorating Tips
The Basic Contract
********************************************************
Home Decorating Tips

By Victoria Walker
 

Do you want to create a new look in your home without
spending a lot of money? You can change the look and
feel of any room by adding a few inexpensive
accessories. Items such as paint, pictures, and
plants can add charm to any room in your house.

Changing the color of your walls from white to a warm
pastel or a rich, vibrant color can make an enormous
difference in the room's ambiance. You can purchase
paint inexpensively at departments stores like Walmart
or Sears. Try selecting colors that will compliment
or match your furnishings. For even more style, you
can add a wallpaper border to liven up the room's
appearance. Choose a border that compliments the
colors of your paint. To add a sophisticated look
to any room, paint the lower portion of the wall,
about the lower three feet, in a darker color and
the top half of the wall in a softer color. Place
the border over where the two colors meet. This
adds a stylish, sophisticated attraction to any room.

Pictures can add a personal touch throughout your
home. Bare walls make a house look boring and empty.
To jazz up the scenery in your rooms, use a variety
of photographs on the walls in each room.  Display
a variety of pictures, some of your family members
and some artwork or scenery pieces. Arrange the
photographs in offset positions; it adds more
interests than simply hanging the photos side
by side. Mirrors are also great to use as decorations
and can add charisma and flair to any room. When
used in small rooms, mirrors can actually help make
the room appear larger. For rooms with windows, place
the mirror on the wall opposite the window.

If you don't have plants and flowers in your home,
you'll be amazed at what a difference they can make.
Place a variety of plants and flowers throughout
your home. They bring warmth and style to every
room in the house - the living room, bedrooms,
the kitchen, and even bathrooms. You can use live
plants and flowers or silk ones, or a combination
of both.  Use a variety of settings to display your
plants.  Wicker baskets, decorative boxes, or vases
can be used as plant holders for silk plant arrangements.
Arrange plants in plant stands or along the top
of bookcases, entertainment centers, or shelves.

With the simple addition of color, pictures
and plants, your house will be transformed
to a more inviting and charming home.

Copyright 2001,Victoria Walker All Rights Reserved

Victoria Walker is a Freelance Writer and
Floral Designer and owner of Flower Baskets by
Victoria, an E-store located at
http://ebaystores.com/flowerbasketsbyvictoria
Visit her website at http://victoriawalker.com
or email her at Victoria@...
 

*******************************************************

Get Your FREE Credit Report Online!
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

***************************************************************

Loans America allows you to shop hundreds of lenders
with just one click. Fill out one loan application
and within 24 hours you will receive a response from
the best loan offer for your specific lending needs.
This is the easiest way to shop for all types of loans.
You can compare your offers and choose the loans that
are best for you. And best of all its FREE!
http://www.mortgageloansamerica.com/cgi-local/af/b.cgi/352

***************************************************************
THE BASIC CONTRACT
 
 

No document is as important to a real estate
transaction as the sales contract. The wording
of the contractcontrols all of the terms of the closing.
 
 

Most contracts are drafted on the first form
found in the drawer or on the shelf of an office
supply store. Often a buyer pays extra expenses
because he uses a form designed for a seller's benefit.

The minimum that a contract must contain to be legally
enforceable is:

1. Identification of the parties

2. Description of the property

3. Clear terms of payment

4. Some consideration

5. Acceptance by all parties

A contract is an offer until it is accepted by all
parties and acceptance conveyed to each party.

This offer is submitted to the agent of the seller
and the seller and they may Accept it, Reject it,
or Make a counter offer

The deposit or earnest money (consideration) is
generally placed in an escrow account.
 
 

Risa Saltman, ABR,CRS, is a real estate agent
with RE/MAX Town and Country Realty, Inc. Orlando, Fl,
see http://risashomes.com email risa@...
**************************************************

Need help cleaning up your credit? Professional agency
can help you get things back on track! If you are
having trouble paying your bills, visit this site.

http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************

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Family For $54.95 Per Month including savings on
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No time to go to the website? Get Instant info
delivered straight to your email inbox.
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WORK AT HOME OPPORTUNITY.Marketing Reps needed!!
mailto:cindy@...?subject=REP

***************************************************
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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 directlyand tell me what you would
like to see! mailto:cmc@...
If you would like to read more articles about
buying or selling a home,please visit our website
http://www.creativemortgageco.com/

Til next time.  Have a great month.
Cindy

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please emai lme directly mailto:cmc@...

***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!

 


Reply | Forward | Messages in this Topic (1)
#37 From: Cindy Snyder <cmc@...>
Date: Tue Sep 18, 2001 2:00 am
Subject: Issue 36 0nly4Homebuyers 		cmc@...
Send Email Send Email
  
September 15, 2001

Welcome to 0nly4Homebuyers Issue 36.
You are receiving this newsletter because you or someone
subscribed you to our list.  If you do not want to receive
any more issues go to yahoogroups using this link
http://www.yahoogroups.com/group/0nly4Homebuyers

******************************************************
Loans America allows you to shop hundreds of lenders
with just one click. Fill out one loan application
and within 24 hours you will receive a response from
the best loan offer for your specific lending needs.

This is the easiest way to shop for all types of loans.
You can compare your offers and choose the loans that
are best for you. And best of all its FREE!
http://www.mortgageloansamerica.com/cgi-local/af/b.cgi/352
********************************************************

Here is a special offer for 0nly4Homebuyers Readers!!

FREE Software now available from Sega, IBM, Disney,
Simon & Schuster, Crayola and many others!

Click here: http://www.freesoftpromotions.com/101402/
<a href="http://www.freesoftpromotions.com/101402/">
AOL Members Click Here</a>

All titles are full-version, CD-ROMs (not shareware or demos)
currently sold in retail outlets for as much as $50 each.

Act today while supplies last

Brought to you by FreeSoft Promotions in conjunction with
Sega TM, IBM TM, Simon & Schuster TM and Crayola TM.

Below are just a few of the 1,000's of titles that are ALL FREE!
Pay only for shipping and handling!!
Visit our website to see more.

American Heritage -History of the US
Chessmaster 5500
Crayola Magic 3D Coloring
House Beautiful 3D -
Inside the SAT & ACT
Reader Rabbit
Resumes That Work
Road Rash
Think & Talk French
Virtua Fighter
World Book
Worldwide Soccer

Click here: http://www.freesoftpromotions.com/101402/
<a href="http://www.freesoftpromotions.com/101402">
AOL Members Click Here</a>
****************************************************
In This Issue:
Organizing Your Home Search
FINANCIAL MANAGEMENT TIPS
********************************************************
ORGANIZING YOUR HOME SEARCH

You're buying your first home. It's one of the most important
and exciting purchases you will ever make. Owning a home can
help you build equity while reducing your income tax. This
guide will provide some pointers to help you on your way to The
Great American Dream. We hope this will help you understand the
tax advantages of home ownership. It can help you organize your
home search as you begin browsing through the housing market.
Determining what features you want in your dream house and what
payments you can afford are the important first steps.

It's a good idea to obtain a copy of your credit report before
you start house hunting. You may find an error that needs
attention and could prevent loan approval. Credit reporting
agencies are in your yellow pages. Fees may vary, but most
agencies charge $10 or less for a copy of your credit report.
TRW is a national credit-reporting agency that will provide one
free copy per year. Call 1-800-392-1122 or 1-800-682-7654 for
details. It will take approximately four weeks to receive your
free copy.
Your mortgage banker will probably ask for copies of prior
years' tax returns. If you have copies of your credit reports,
tax returns, list of assets and all liabilities, and bank
statements organized, you're ready to start exploring the
housing market and shopping for a mortgage.

Risa Saltman, ABR,CRS, is a real estate agent with RE/MAX
Town and Country Realty, Inc in Orlando, Fl, see
http://orlandobesthomes.com

Get Your FREE Credit Report Online!
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

***************************************************************

Loans America allows you to shop hundreds of lenders
with just one click. Fill out one loan application
and within 24 hours you will receive a response from
the best loan offer for your specific lending needs.
This is the easiest way to shop for all types of loans.
You can compare your offers and choose the loans that
are best for you. And best of all its FREE!
http://www.mortgageloansamerica.com/cgi-local/af/b.cgi/352

***************************************************************

FINANCIAL MANAGEMENT TIPS
By Barak Strickland, Personal Financial Coach

When you've spent your paycheck, is there still a stack of bills to be
paid? Is a savings account something you're still planning to open
instead of something you put money into regularly? If so, you're not
alone.

Here are some tips to help:

* Pay yourself first. Invest at least 10% of your income in consumer
debt repayment or in some type of investment account. To make real
financial progress you must reduce your liabilities and increase you
assets.

* Establish specific written financial goals. Set short term, medium
term and long term objectives for yourself and your family. Review and
update your goals regularly, no less than annually.

* Make a realistic spending plan and use it. You must plan how your
income will be used or someone else will! Track your expenditures
using receipts, a notebook, or whatever is convenient for you.

* Learn about the different types of insurance available. Buy only
what you need to cover a specific risk. Increase deductibles to the
highest amount you can afford.

* Stay current with your finances by reading regularly, taking courses
and working with your own personal financial coach.

If you've heard all of this before but haven't acted on it, now is the
time to move forward!

Remember "Knowledge without action is ultimately the same as not
knowing."

About the Author:

Learn proven strategies to improve your personal financial Situation
from Barak Strickland, Personal Financial Coach. Email him at
mailto:Barak@...
or visit his web-site at http://www.strategies-unlimited.com

Need help cleaning up your credit?  A Professional agency
can help you get things back on track! If you are having
trouble paying your bills, visit this site.

http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************
What's the hottest selling product on the internet?

    *****INFORMATION PRODUCTS*******

Now anyone can earn money simply by referring
friends to a website!  If you have dreamed
of making money using the internet, now
is your opportunity.

Receive $15 INSTANTLY with DirectPayList.
DirectPayList is a NEW Revolutionary way to
sell eBooks and Make Money Online. Earn $15
for each sale. Money instantlyappears in
YOUR PayPal account!

Refer 1 person and receive $15 instantly in
your PayPal account. Earn $450 a month just
by referring 1 person a day! This program is
so simple, anyone can do it.

Make money selling the HOTTEST products of
our time. No limit on how many people you can
refer. Once you are a member, the ebooks
are yours to download at NO extra charge.
Currently there are six ebooks all by well
known authors and more to come!  Download
them all right now.

Join today and make money instantly!
For more info, please visit
http://www.directpaylist.com/index.asp?ref=1364

What is Paypal?  Paypal is the easiest and fastest
way to send or receive money via the internet.
Don't have a Paypal account?  It's easy, Go here
and get one.  It's Free! Sign up today!
https://www.paypal.com/affil/pal=csnyder1%40sc.rr.com

****************************************************

A POWERFUL WAY TO SAVE! Savings on Hospitals &
Physicians, Dental, Prescriptions, Vision, Hearing Aids, Alternative,
Chiropractic and more! NO Claim Forms,  NO Limitations!
All Pre-existing Conditions Accepted! This is not insurance!
Entire Family For $54.95 Per Month including savings on
Lasik Vision Correction! http://www.careentree.com/firsthealth
Instant info at mailto:creativehealthcare@...
Marketing Reps needed!! email for details cindy@...

***************************************************

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

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please emai lme directly mailto:cmc@...

***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!

Reply | Forward | Messages in this Topic (1)
#36 From: Cindy Snyder <cmc@...>
Date: Sat Aug 18, 2001 12:45 am
Subject: Issue 35 		cmc@...
Send Email Send Email
  
August 17, 2001

Welcome to 0nly4Homebuyers Issue 35.
You are receiving this newsletter because you or someone
subscribed you to our list.  If you do not want to receive
any more issues go to yahoogroups using this link
http://www.yahoogroups.com/group/0nly4Homebuyers

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

**********************************************

What's the hottest selling product on the internet?

    *****INFORMATION PRODUCTS*******

Now anyone can earn money simply by referring
friends to a website!  If you have dreamed
of making money using the internet, now
is your opportunity.

Receive $15 INSTANTLY with DirectPayList.
DirectPayList is a NEW Revolutionary way to
sell eBooks and Make Money Online. Earn $15
for each sale. Money instantlyappears in
YOUR PayPal account!

Refer 1 person and receive $15 instantly in
your PayPal account. Earn $450 a month just
by referring 1 person a day! This program is
so simple, anyone can do it.

Make money selling the HOTTEST products of
our time. No limit on how many people you can
refer. Once you are a member, the ebooks
are yours to download at NO extra charge.
Currently there are six ebooks all by well
known authors and more to come!  Download
them all right now.

Join today and make money instantly!
For more info, please visit
http://www.directpaylist.com/index.asp?ref=1364

What is Paypal?  Paypal is the easiest and fastest
way to send or receive money via the internet.
Don't have a Paypal account?  It's easy, Go here
and get one.  It's Free! Sign up today!
https://www.paypal.com/affil/pal=csnyder1%40sc.rr.com

****************************************************
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?
********************************************************
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
AOL users copy and paste into your browser
***************************************************************

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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.

*************************************************************
  DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

*******************************************************
***Newbie?**Frustrated?**Don't Give Up!***

Make Me Prove That I Can "Break Down The Barriers
Between You & Your Computer!" Start Here:
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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).

*******************************************************

CREATE THE HOME YOU'VE ALWAYS WANTED!
You need a loan to make it happen. Get to FinancialCircuit.com. --
Your financial services connection. Do a fast online application
and get an instant listing of your best choices from over 50,000
programs. Enjoy world-class service at competitive prices.
FinancialCircuit.com -- connecting you with the home you've
always wanted. http://creativemortgageco.financialcircuit.com/

*************************************************************

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.

The above are just 4 samples of the powerful chapters
in the ebook "Credit Secredts 2001".  Get this one and 5
other titles for only $19.95. Go Now!

http://www.directpaylist.com/index.asp?ref=1364

**********************************************************

Need help cleaning up your credit?  A Professional agency
can help you get things back on track! If you are having
trouble paying your bills, visit this site.

http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************
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

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please emai lme directly mailto:cmc@...

***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!

Reply | Forward | Messages in this Topic (1)
#35 From: Cindy Snyder <cmc@...>
Date: Tue Jul 17, 2001 3:27 am
Subject: Issue 34 		cmc@...
Send Email Send Email
  
July 16, 2001

Welcome to 0nly4Homebuyers Issue 34.
You are receiving this newsletter because you or someone
subscribed you to our list.  If you do not want to receive
any more issues go to yahoogroups using this link
  http://www.yahoogroups.com/group/0nly4Homebuyers
**********************************************

CREATE THE HOME YOU'VE ALWAYS WANTED!
You need a loan to make it happen. Get to FinancialCircuit.com. --
Your financial services connection. Do a fast online application
and get an instant listing of your best choices from over 50,000
programs. Enjoy world-class service at competitive prices.
FinancialCircuit.com -- connecting you with the home you've
always wanted. http://creativemortgageco.financialcircuit.com/
****************************************************
In This Issue:
Confessions Of A Stay At Home Junkie
The Cost of Buying A New Home
********************************************************
Confessions Of A Stay At Home Junkie
by Cindy Snyder

My two older children were raised in daycare and I
had always dreamed of the "stay at home" life, you
know, June Cleaver and all that. But....it was only a
dream.  I was really terrified of staying at home.What
would I do with myself?  There is only so much cleaning
to do! I thought I would surely go completely nuts. I would
become a Soap Opera junkie, lying about eating bon bons
and getting fatter every day.  Besides, I told myself,
I HAVE  to work, we need the money!

Truthfully though, I loved my job.  I had steadily moved up
the corporate ladder and I made good money.  The kids were
in their late teens by this time and my husband and I joked about
looking forward to being "Married without Children".Well as fate
would have it, we ended up taking custody of (and eventually adopting)
a two year old little boy. (Another story in itself) Then, boom! I was
downsized! Yikes!

We had all the trappings of the middle class family.  House payment,
two car payments, credit cards up the wazoo, even a boat.  Whats
worse, I was the main breadwinner! Fortunately, I got a really nice
severance package and was able to kick back for a couple of  months
while I figured out what to do.Well that month or two turned into
another month or two and now, two and a half years later, I am
still at home.

Unfortunately, the severance money ran out many months ago  But,
y then I was hooked. I was already a Stay at Home Junkie.  I found
that I loved being at home.  I could always find something to do. I had
always wanted to start my own business and work my own hours.The
question was.....what?  I had to make a certain amount of money each
month, just to stay afloat.  So I started searching on the internet
I tried several things. Unfortunately, the internet is full of scams to
take your money. I needed to make it, not give it to someone else!
I researched several programs, joined a few and ended up spending
a lot more than  I made.

Since I had a financial background, I finally decided on the mortgage
origination business. It was really hard getting started, but I was
determined that it was going to work.  I started this newsletter
as a marketing vehicle for that business, and discovered that I
really enjoy writing the articles and it is really gratifying to help
educate people and it's wonderful to get someone a loan when
they thought it would never happen.Of course it has it's downside
as well.  The market is up and down, up and down.  So I looked
for something that would provide more stable income each month.

I found a healthcare savings plan that looked really promising.
Since I have a hard time selling something I don't completely
believe in, I signed up myself first to test it out. Our health
insurance costs were outrageous and I found out that  it really
does save us a ton of money, so I became a representative for the
  company. The residual income is great and it really helps out on
slow months! I am certainly not getting  rich, but that's okay, we
are surviving.

In addition to my at home business ventures, I find time to do
all sorts of stuff around the house to save my family money.
This summer, I have canned beans, froze corn, made pickles,
chow chow and jelly. I made curtains for my room, the kitchen
and pajamas for my little boy. I clean my own carpet and mow
our yard. I shop the grocery sales,buy in bulk when possible and
clip coupons. I try not to buy anything that isn't on clearance or at
  least on sale and my car automatically stops at yard sales!

I love to sit on the back porch and drink my morning coffee
while I plan the day. But, the best thing about staying at home is
the chance to spend time with our little one. Where I go, he goes.
I never knew how much fun I was missing with my other two. I
guess you could say, I have become a Stay at Home Junkie. I love
my life and wouldn't change anything about the last two and a half
years.

If you have been thinking about becoming a Stay at Home Mom
(or Dad) and think you can't afford to quit, here is a link that
will really  put it all in perspective for you.  All that money you
think you are earning..... Not!
http://cnnfn.cnn.com/1999/02/22/life/q_income/chart.jpg
(Note: The model assumes that this is your second income and
figures taxes accordingly)

PS.  The only soap I watch with any regularity is All My Children
(about twice a week) and I am not any fatter than I was before!

***************************************************************

Start your own Home Based Business helping people save money
on their health related expenses! Doctors, Hospitals, Labs, X-Ray
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****************************************************
The Cost of Buying a New Home
by Cindy Snyder

Many people contact me and want to buy a new home.  The
first question I always ask is, "How much do you have for the
down payment and closing costs?".  The market is saturated
these days with all kinds of schemes to get you in the door to
fill out an application.  I am here to tell you that even if the ad
says, "No Money Down", expect to spend some money!

Buying a home is not cheap. Apart from the down payment
that you have scrimped and saved for, there is the dreaded
"Closing Costs".  When I say closing costs, I am talking about
all the fees and insurance premiums and property taxes and
  prepaid interest and all that. All that must be paid when you
sit down to sign your name on the dotted line.  Be prepared to
get writer's cramp too because you have to sign your name
what seems like a thousand times.

But how much do you need to figure on for closing costs?
What is the magic number?  The answer is somewhere
between 2 and 5 percent of the purchase price.  The higher
the cost of the home, the more you will pay in closing costs.
For example on a home that costs $100,000, your upfront
costs are going to be between $2000 and $5000. Why such a
spread?  It will depend on where you live, how much of a down
  payment you are making, the amount you are borrowing, the
  value of the home, how good your credit is, the lender you
use and how good a negotiator you are.

Many lenders run special deals.  For example they may not
charge youfor the appraisal or an application fee. But if you
are paying points on your mortgage, expect higher fees.  A
point equals to 1 percent of your loan and is sometimes
charged as a loan origination fee.  Some loans may cost you
more than a point and some may cost you no points at all.
Usually these loans will carry higher interest rates. You may
also pay discount points which is interest paid up front in
order to get a lower interest rate.

The more you pay down, the less your interest rate will be
and  if you pay  less than 20 percent down you will also be
required to buy Private Mortage Insurance (PMI), which
protects the lender, not you, in case you default on the loan.
Premiums average around $100 per month.  Expect to pay
several months, maybe a year's worth upfront.  So, it's best
to put down as much as possible, preferably at least 20 percent.

*************************************************************
DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

*******************************************************

Whether you're buying a home, remodeling, or need debt consolidation,
apply online with  FinancialCircuit.com. Get instant options from over
50,000 programs. Receive world-class service at competitive prices.
http://creativemortgageco.financialcircuit.com/

************************************************************
Need help cleaning up your credit?  A Professional agency can help you
get things back on track! If you are having trouble paying your bills,
visit this site.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************
Please feel free to share this newsletter with your friends.
If you havea suggestion for an article, please email me directly at
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

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please email me directly mailto:cmc@...

***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!

Reply | Forward | Messages in this Topic (1)
#34 From: Cindy Snyder <cmc@...>
Date: Sun Jun 17, 2001 6:53 am
Subject: Issue 33 0nly4Homebuyers 		cmc@...
Send Email Send Email
  
June 16, 2001

Welcome to 0nly4Homebuyers Issue 33.
You are receiving this newsletter because you or someone
subscribed you to our list.  If you do not want to receive
any more issues go to yahoogroups using this link
  http://www.yahoogroups.com/group/0nly4Homebuyers
**********************************************

SAVE SAVE SAVE! Savings on Hospitals & Physicians,
Dental, Prescriptions, Vision, Hearing Aids, Alternative,
Chiropractic and more! NO Claim Forms,  NO Limitations!
All Pre-existing Conditions Accepted! This is not insurance!
Entire Family For $54.95 Per Month including savings on
Lasik Vision Correction! http://www.firsthealthsource.com/

****************************************************

In This Issue:
Tips for Smarter Selling
Your Best Tax Strategy - Start a Side Business!
25 Tips for an Organized Move

********************************************************
Tips for Smarter Selling
by Cindy Snyder

Thinking of selling your home? Here are some tips to make it a
success.

1.  Hire the Best.  Do some research.  It pays to be represented
by the best possible agent/firm.  If you want to get top dollar,
screen for a Top Producer in your area. Your Agent should be
someone who has been in business in your area for several
years and has a good reputation.  Don't be afraid to ask about
past sales and the average time one of their listings stays
on the market.

2.  Dont Overimprove.  Yes, you want to make sure the home
is in good shape. Yet, most homes will only need basic,
inexpensive repairs or improvements. Invest in only what will
get you the most return.  Fresh paint and some inexpensive
landscaping will give your home curb appeal. Other improve-
ments, such as a new roof for example, may be negotiated
with the buyer. Studies show that updating kitchens and baths
give you the most bang for your buck.

3. Know your Competition.  Again, do the research.  You
need to know what other homes similar to yours, in your
general area are selling for.  Ask your Agent to run a list
of comparable sales in your neighborhood and go from
there.

4.  Don't Overprice.  Make sure your home is priced
appropriately.   Work with your Agent in order to list
your home at the right price.  It is okay to add a little
extra in order to have some room for negotiation,
however, you don't want to be so far out of the range
  that you won't get any offers.

***************************************************************

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****************************************************
  DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

*******************************************************

Your Best Tax Strategy - Start a Side-Business

I'm busy enough! I don't have time to start a business!

What good would it do me anyway?

Well, having your own business is one of the best ways to save money on
taxes and considering that many of you just finished paying Uncle Sam
all your wages from January to May 2000, I thought you might be
interested in this topic.

Consider this example.

If you work for someone else (as in a JOB), your finances flow somewhat
like this:
1.      Earn the money
2.      Pay Taxes
3.      Spend the money


When you have your own business or corporation, you:
1.      Earn the money
2.      Spend the money
3.      Pay Taxes on what's left

Do you see the difference here? I'm going to recommend a book for you
to read if you want to understand this process better. It is called
"Rich Dad Poor Dad" by Robert Kiyosaki. It is a great book and I highly
recommend it. Now, back to our article.

When starting a business, The IRS requires only that you keep good
records, conduct your affairs in a business-like manner and show that
you are trying to make a profit.  There are also some new tax laws that
are even more in favor of those "home offices" than in previous years.

Old Tax Law:    If your home office is your principal place of
business, then you could deduct home office expenses.

New Tax Law:    If you have a space at home that you use "regularly
and exclusively for administrative or management activities" in your
business, you may now qualify for a home office deduction.

Previously, if you worked outside of your home, you weren't allowed to
deduct your home office because it isn't the "primary" place of
business.  Now you can.  For more information, see the Internal Revenue
Service publication #587 on the IRS Web site, http://www.irs.treas.gov

There are a lot of deductions associated with home offices.  Some
things that might be deductible include a percentage of your mortgage
interest, property taxes, rent, utilities, insurance, garbage
collection, second phone line, cleaning fees, magazines/newspapers,
office supplies and equipment.

If your home is the principal place of business, you are allowed to
deduct the mileage for all your business trips. You can count the
mileage from your home to the place of business (i.e. post office,
bank, client site) and the return trip. The IRS requires that you keep
good records of your driving. Keeping a little pocket calendar in your
car or handbag is an easy way to track mileage on a daily basis. At
32.5-cents a mile, every 307 miles of driving will earn you a $100
deduction.  This can add up very quickly over the course of a year. I
know it does for me.

If you have children under 18, hire them to work in your business. You
must issue them a W-2 and all the money you pay them is a business
deduction for you. Your child must pay taxes on the money they earn but
there is no tax on the first $4,300 of income earned from working. Your
child can even deposit up to $2,000 into an IRA account for even bigger
savings. There's also no Social Security tax to pay when you hire your
child under 18. Please remember that your child must do real work and
you must keep good records. I know people who send their children to
private schools on tax-free income. They pay their child to work in
their business and the child uses that income to pay tuition.

Are you starting to see some of the possibilities here?

Any purchases you make in association with your business are
deductible. If your business is enjoyable and related to your
interests, you might have made some of these purchases anyway and now
they are deductible.

If you are going to have a business for tax reasons, your intent should
be to make a profit at some point. The IRS knows that there are
significant costs in starting a business and that it might not be
profitable for a few years. A general rule is to show a profit within
two to four years. The longer you go without making a profit, the more
likely the IRS might consider your business a hobby and disallow the
deductions you are claiming unless you can show a business plan with a
definite plan to be profitable and show changes when needed to increase
your chances for profitability.

So once again, consider a side-business. It could save you hundreds of
tax dollars every year.

***  ==  ***  ==  *** ==  ***  ==  *** ==  *** ==  *** ==  *** ==

By Doris Dobkins, Money Saving Expert
Author of "Financial Freedom A-Z Home Study Course"
and publisher of the free weekly ezine $mart Money New$
To subscribe, send an email by clicking on this link -->
mailto:join-smart_money_news@...
or sign up at her web site: http://www.creativefinances.com

*************************************************************

Start your own Home Based Business helping people save money
on their health related expenses! Doctors, Hospitals, Labs, X-Ray
Dentists, Drugs, Eyeglasses and Contacts, even Chiropractors.
Low Start Up fee. No insurance license required.  Start earning
Unlimited Residual Income helping people save 80% and more
on their HealthCare bills http://www.firsthealthsource.com/

*******************************************************
25 Tips and Tricks for an Organized Move
by Maria Gracia

Worried because you're moving soon? This really doesn't have to
be a stressful, chaotic time. Here are some tips to help you achieve
a successful, organized move.

1.USE A MOVING CHECKLIST. Make yourself a moving checklist
outlining everything that needs to be done before, and after, your move.
For assistance, you’ll find a detailed moving checklist on Page 84 of my
book, Finally Organized, Finally Free--along with tons of tips and ideas
to ensure your new home is organized right from the start!

2.LEAVE IT BEHIND. Avoid moving anything you don't really need.
It is expensive, time-consuming, and physically unnecessary to move
things you won't be using. If you don't use it now, you most likely
  won't use it later.

3.GET RID OF CLUTTER. Dispose of broken tools, old toys,
old clothing and other items that you no longer need, before you
move. Give usable items to charity or hold a garage sale.

4.DON’T SKIMP ON YOUR MOVING SERVICE. Choose an
experienced moving firm with an established reputation for good
service and reliability. Choosing someone that is unreliable or
inexperienced will waste more time and money than you can imagine.

5.ENLIST ANY HELP YOU CAN GET. You will get a lot more
done, with some family members and friends helping you pack and/or
unpack. If your children are old enough, they should be helping too.

6.BOX IT. Get boxes in assorted sizes. Be sure they’re clean, in
good condition and have covers so they can be closed and sealed
with tape. Start collecting them from your local merchants, or purchase
them from your moving company. Liquor boxes are excellent. They are
sturdy and contain dividers making them ideal for packing glasses,
goblets,
vases, etc.--but make sure these boxes have lids. By the way, an easy
way
to store boxes so they do not take up storage space is to open both ends
and flatten them out. Cartons can be resealed with tape as you use them.

7.USE THE A-B-C SYSTEM. Everything you pack does not have to
be unpacked the first day in your new home. If it contains essential
items,
mark it PRIORITY A. If the contents are important, but not crucial, mark
the box PRIORITY B. If thebox contains out of season items, holiday
items and other things you won’t need right away, mark the box
PRIORITY C. Then, unpack in A, B, C order.

8.WRAP IT. You will need plenty of wrapping paper and heavy-duty
tape. Anything wrapped in newsprint will most likely be soiled from the
ink and will require cleaning after unpacking. Movers use unprinted
newsprint. For items you prefer to keep clean, you can purchase this
packing paper from your mover. Kraft paper, tissue paper and
shock-resistant corrugated paper make excellent wrapping materials
and may be purchased at most major department stores, craft stores
or your mover. These papers also make excellent cushioning and lining
material.

9.MARK IT. Felt pens are ideal for marking boxes with information
such as its contents, destination room, fragile or this side up.

10.LABEL IT. As you’re packing, place removable, colored, circle
stickers on your boxes to easily distinguish kitchen items, from bedroom
items, from bathroom items, etc. Use a different color for each room.
If necessary, make a master list so you’ll know what is in each box. If
you can go to your new home ahead of time, you may wish to stick a
corresponding colored sticker on the door, or door frame, of the room
that the box will be delivered to.

11.LIGHTEN UP. Cartons can be handled easier if they do not
exceed 50 lbs.,fully packed. Keep this in mind when you’re packing.

12.ROOM BY ROOM. Pack on a room-by-room basis, keeping
the contents of each room in separate boxes. This will eliminate
confusion and save time when you're unpacking.

13.PACK EARLY. Even if you only pack two boxes a day, in
thirty days you will have packed sixty boxes. Start in areas where
the goods are not in frequent use such as the cellar, attic, garage,
etc.

14.ORDER ADDRESS LABELS. Order address labels before
you move into your new home. They will be great to have on hand
when you need to indicate a change of address on anything. Leave a
few behind with the people who move into your old home or apartment
so they can forward anything that gets delivered to them for you. Give
them a few bucks to cover any postage costs.

15.MAKE A SURVIVAL KIT. Make a survival kit for your first
night in your new home. This should include items that will get you
through the night if it’s too late to unpack or the movers didn’t show
up. Helpful items to include might be: non-perishable food, can
opener, paper plates, plastic utensils, bottled water, a flashlight, a
few towels, sheets, toiletries, a blanket, toilet paper,
pen/paper, a few small games or magazines and a change of
clothes for everyone.

16.HAVE SOMEONE WATCH THE KIDS. If you have
children, especially young children, it might be a good idea to
have someone babysit them while you are doing anything that
involves your move, such as packing, unpacking, etc. Your kids
won’t be interrupting your progress and you’ll accomplish more.

17.USE THE ONE ROOM RULE. Set up ONE room in your
new home as quickly as possible. This way, you’ll have a quiet
retreat, free of boxes. You and your family will then have a place
to go when you need a break from all of the unpacking activities.

18.MAKE IT PET SAFE. If you have pets, be sure you have
a plan for when the movers arrive. Perhaps keep your cats in
the bathroom with the litter box, or put your dogs in a fenced
in yard. Also, take care to do what you can so your pets feel
comfortable in your new home. Bring their favorite toys, give
them attention, and don’t leave them alone for long periods
of time for the first few days.

19.MAKE THE FIRST NIGHT SPECIAL. Make the first
night in your new home as special as possible. It can be take-out
Chinese food, or pizza, but you may sweeten the evening with
flowers, candles and music. It will really make a big difference
and will help you to unwind and de-stress.

20.DEVISE A PLAN. Before you begin unpacking randomly,
sit down with your family. Discuss a plan, including where things
will go, who is responsible for what, etc. It will help things run
smoothly.

21.HAVE A TOOL KIT ON HAND. One of the most important
things to have on hand when you’re setting up your new home is
a basic toolbox that includes basic tools and hardware, such as a
hammer, screwdrivers, nails, hooks, etc.

22.FUNCTION BEFORE FORM. It is best to first arrange
your furniture, and then unpack accessories and personal items.

23.GET READY FOR BED. As soon as the bedroom furniture
is delivered, set it up and put the sheets on the bed. You’ll be
grateful that everything is ready for sleeping later on tonight
when you’re really tired.

24.LET EVERYONE KNOW. Inform everyone that you’ve
moved with simple postcards, or email for those family members
who can receive it.

25.GET ACQUAINTED. Once you arrive at your new home,
schedule some get acquainted days on your calendar. This is a
great time to figure out where the supermarket, bank, post office,
etc. are and will give you a chance to get familiar with your area.
  If there is a tourist bureau in town, stop by and see
what events and opportunities your town will be offering.

by Maria Gracia - Get Organized Now!
Want to get organized? Get your FREE Get
Organized Now! Idea-Pak, filled with tips and ideas
to help you organize your home, your office and
your life, at the Get Organized Now!
Web site  http://www.getorganizednow.com/
*************************************************************
Whether you're buying a home, remodeling, or need debt consolidation,
apply online with  FinancialCircuit.com. Get instant options from over
50,000 programs. Receive world-class service at competitive prices.
http://creativemortgageco.financialcircuit.com/
************************************************************
Need help cleaning up your credit?  A Professional agency can help you
get things back on track! If you are having trouble paying your bills,
visit this site.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************
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http://www.moviem.com

Movie Mania! is your information source for movies. Featuring reviews,
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*****************************************************
Please feel free to share this newsletter with your friends.
If you havea suggestion for an article, please email me directly at
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

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please emai lme directly mailto:cmc@...

***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!

Reply | Forward | Messages in this Topic (1)
#33 From: Cindy Snyder <cmc@...>
Date: Sun May 20, 2001 5:29 am
Subject: 0nly4Homebuyers Issue 32 		cmc@...
Send Email Send Email
  
May 19, 2001

Welcome to 0nly4Homebuyers Issue 32.
You are receiving this newsletter because you or someone
subscribed you to our list.  If you do not want to receive
any more issues go to yahoogroups using this link
  http://www.yahoogroups.com/group/0nly4Homebuyers
**********************************************

A POWERFUL WAY TO SAVE! Savings on Hospitals &
Physicians, Dental, Prescriptions, Vision, Hearing Aids, Alternative,
Chiropractic and more! NO Claim Forms,  NO Limitations!
All Pre-existing Conditions Accepted! This is not insurance!
Entire Family For $54.95 Per Month including savings on
Lasik Vision Correction! http://www.firsthealthsource.com/

****************************************************
In This Issue:
Moving To A New Area
After Tax Thoughts
********************************************************
Moving To A New Area
By Cindy Snyder

Buying a new home in a totally new area can be stressful.
You want to make sure you are going to be happy with the
area, the commute, the schools, shopping and so on.  If you
are moving to a new state or even a new city, take the time
to visit the area extensively before purchasing your new home.
You may even want to get a short term lease on an apartment
to give you the opportunity to take time to look further into
housing.

Buy a city map and decide which area you want to live in.
If you have friends in the area, ask them what are the best
neighborhoods or get a good Real Estate Agent to show you
the area.

Get on the internet and do a search for your target city. You
can check out the schools, the weather, the economy, even
the unemployment rate. Most of the larger cities have extensive
information online.

The Chamber of Commerce http://www.chamberofcommerce.com/
is always a good place to start.  From there you can go to
your state and city and find out just about everything about
the area. Or just go to any search engine and put in the city
and state.

Do a search using "Cost of Living Comparison" as your search
term.(You will find different sites using various search engines)
It's amazing the differences in the areas!  You cancompare
your salary in your current location to your salary in
your new location. Try this link.
http://www.homefair.com/calc/salcalc.html?NETSCAPE_LIVEWIRE.src=moneymag

Above all, take your time and choose a home and a neighborhood
that you and your family will be happy in for a long time to come.

*******************************************************
After Tax Thoughts
By Doris Dobkins


For many of us who just finished paying our taxes, we feel a
sense of relief that we are able to put all thoughts of taxes
behind us for another 12 months or so.

Right???

Wrong!!!

It's never too early to start preparing for the next years taxes
and the sooner you start, the happier you'll be in 12 months.

Here's a few suggestions to get you thinking ahead:

#1. If you don't already have one, get one now. I'm talking about
a box or file labeled "2001 Taxes". Every time you get a receipt
or document that you'll need for next year's returns, file it away in
this folder. If you buy or sell stocks, options, a home, make donations,
or do anything that will affect your taxes, save the documents in this
file so they'll be readily available when the time comes.

#2. If you qualify, start an IRA, either a traditional or Roth. Put away
$50 or $100 a month from now until tax time. The money ads up
quickly and is a lot easier to come up with over 12 months than at
the last minute if at all.

#3. Start contributing to (or increasing) your 401k contribution. If
you've been putting this off, let this be your last day for excuses.
When you don't see the money in your paycheck, you'll be surprised
how quickly you can adjust your lifestyle to a lower income.

#4. Participate in your company's flexible spending account (FSA).
If your company offers this, take advantage of it. Depending on your
company limit, you can contribute up to $5,000 a year to an FSA
for dependent care, and between $2,000 and $4,000 for medical
expenses. Ask your employer for a list of what the money can be
used for. Don't be surprised to see such things as prescription copays,
contact solution, eye surgery, braces, dental fees, etc. on the list.

If you don't think this program won't make much of a difference in
your savings, think again. Here's an example: A single filer earning
$50,000 a year putting $2,000 into an FSA per year assuming 28%
for Federal Taxesand 7.65% for FICA, is the equivalent of earning
a fully taxable $3,108. You've just turned you $2,000 into $3,108.

#5. Do some spring-cleaning. If you have enough stuff, you can
have a yard sale. Otherwise you may want to make a donation
now to your favorite charity. Salvation Army and others get pretty
busy towards the end of the year so now's a great time to make a
donation.

#6. Create a plan to pay off your credit cards. The interest is NOT
deductible and NOT helping your tax bill one bit.

#7. Assess your employer withholdings. If you got a refund in 2000
and your income and deductions will be approximately the same in
2001, you may want to increase your withholdings. This will increase
your paycheck too but don't spend it away frivolously. Pay off a bill,
  invest it in an IRA or increase your 401(k) contribution.

#8.  Take an assessment of all your monthly expenses. What can
you do to convert any of them to a tax deduction? Open your
  mind to more possibilities.

You'll pay more money in your lifetime on taxes than on anything else.
They are a bigger expense than your mortgage, car, or yacht. Too many
people spend too little time studying this topic and reducing their tax
bill as much as they rightfully can. If that's been you, spend some time
on the Internet educating yourself on tax deductions, talk to an
accountant or CPA, or read some books.

As Ben Franklin said so many years ago, "A penny saved is a penny
earned." I'm saying to you today, "A tax dollar saved is a tax dollar
earned."

Assessing and planning for next year's taxes is a GREAT place to start!

*** ==  *** ==  *** ==  *** ==  ***

About The Author:
Doris Dobkins is the Money Saving Expert Author of "Financial Freedom
A-Z
Home Study Course" and publisher of the free weekly ezine $mart Money
New$. You can subscribe to $mart Money New$ by sending an email to:
mailto:join-smart_money_news@...
or sign up at her web site, http://www.creativefinances.com

*************************************************************

Need help cleaning up your credit?  A Professional agency can help you
get things back on track! If you are having trouble paying your bills,
visit this site.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************

Start your own Home Based Business helping people save money
on their health related expenses! Doctors, Hospitals, Labs, X-Ray
Dentists, Drugs, Eyeglasses and Contacts, even Chiropractors.
Low Start Up fee. No insurance license required.  Start earning
Unlimited Residual Income helping people save 80% and more
on their HealthCare bills http://www.firsthealthsource.com/

*******************************************************

DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

***************************************************************
Please feel free to share this newsletter with your friends.
If you havea suggestion for an article, please email me directly at
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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Reply | Forward | Messages in this Topic (1)
#32 From: Cindy Snyder <cmc@...>
Date: Tue Apr 17, 2001 7:07 am
Subject: 0nly4Homebuyers Issue 31 		cmc@...
Send Email Send Email
  
April 16, 2001

Welcome to 0nly4Homebuyers Issue 31.
You are receiving this newsletter because you or someone
subscribed you to our list.  If you do not want to receive
any more issues go to yahoogroups using this link
  http://www.yahoogroups.com/group/0nly4Homebuyers
**********************************************
Place your FREE Ads Here!
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Lasik Vision Correction! http://www.firsthealthsource.com/

****************************************************
In This Issue:
How Much Can You Afford?
Energy Saving Strategies for your Office
More Tips and Tricks to Save Money
********************************************************
How Much Can You Afford?
By Cindy Snyder

Most real estate industry experts will tell you that you can afford to
spend up to three times your gross annual household income when
determining how much you can afford to spend on a home.  But, the
monthly price you can afford to pay typically depends on several key
factors:

1. Your Income.
2. The amount of cash you have available for a down payment.
3. The amount of cash you have available for the closing costs
	 and cash reserves required.
4. Your outstanding debts.
5. Your credit history.
6. The type of mortgage you are applying for.
7. Current interest rates.

Go with your instincts, if the monthly amount seems like it is more
that you would be comfortable with…..it probably is too much.
What you CAN afford and what you WANT To pay may be two
different things.

For example, your agent may say that you can afford to pay $900
per month, but if you feel that could possibly put you into a bind or
would put you in a situation where you wouldn't have the money to
do other things that are important to you and your family, go with
your own instincts.

After all, you are the one that is going to have to come up with the
bucks each month!

************************************************************
Business Owners: Promotional Billboards! Limited Offer.
http://shopmystate.com/cgi-bin/Billboard.pl?Phone=800-908-1699su
WorldWide Directory Offers FREE Billboard Web Sites!
Advertise in our International Biazzr Classifieds
http://www.shopmystate.com/cgi-bin/classifieds/classifieds.pl
and our excellent publication - LOGON Ezine.
http://shopmystate.com/logon/  Our Business Is Your
Business Success!

*************************************************************
Energy Saving Strategies for Your Office
By Doris Dobkins

Whether you work out of your home or commute to a job, here
are some steps to take that will save on energy costs.

1. When you aren't using your Personal Computer, laser printer, or
copier machine, turn them off. Just turning this equipment off at night
and on weekends can save you up to $100 a year. Per Pacific Gas and
Electric Company (PG&E), turning computers on and off doesn't usually
shorten their lives or create energy surges but it is best to leave
them on at least an hour at a time. Per PG&E, it costs from 1 to 2
cents per hour to run a computer. That might not sound like a lot of
money but for 24 hours a day, 365 days a year, the cost is $131 a year.
Many people have more than one computer in their home as well as
printers or copiers. And commercial offices are loaded with this type
of equipment.

I personally have three computers and three printers. If I were to
leave them all on 24/7, my annual electricity costs would be about $786
(based on 1.5 cents per hour). I can reduce that number 85% by just
turning off my equipment when it is not in use.

2. When you are working on a document try printing as few drafts as
possible. Consider using the print preview option and editing on the
computer screen. This will not only save you electricity but paper, ink
and toner as well.

3. Use email as much as possible. Save paper and printing costs by
transferring information by modem or disk whenever possible.

4. If you are shopping for a computer, consider purchasing a notebook
computer instead of a desktop PC. A notebook computer uses one-tenth
the energy of a desktop PC and can save from $40  $100 in energy cost
per year, depending on usage.


5. Printers: Shopping for a printer? Consider the energy costs
associated with each kind. There are basically three types of printers
   dot matrix, laser and ink jet. While lasers are the most popular
because of their high quality, they draw an average of 80 to 100 watts
or more when printing. Dot matrixes only use an average of 15-20 watts
and ink jets, the most energy efficient of all use only about 10 watts.

6. Copy Machine: If your copier doesn't come with "standby mode",
(which shuts them down partially using 70% less energy), consider
turning it off as much as possible. Also, the faster your copy machine,
the more energy is required per copy.

7. Fax Machines: The cheapest way to fax documents is through a fax
modem on your PC. You save on energy as well as the cost of a paper fax
machine. http://www.efax.com is a great place to get a free electronic
fax account. You can receive faxes directly into your computer and view
them as an email message.


With the pending energy crunch, we can all do a little bit more to
conserve. Imagine all the money that can be saved by adopting just a
few of these energy ideas.

I know I'm going to try harder. How about you?

***  ==  ***  ==  *** ==  ***  ==  *** ==  *** ==  ***

By Doris Dobkins, Money Saving Expert
Author of "Financial Freedom A-Z Home Study Course"
and publisher of the free weekly ezine $mart Money New$
To subscribe, send an email by clicking on this link -->
mailto:join-smart_money_news@...
or sign up at her web site: http://www.creativefinances.com


*************************************************************

Need help cleaning up your credit?  A Professional agency can help you
get things back on track! If you are having trouble paying your bills,
visit this site.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************
HOMEOWNERS!  DO YOU NEED HELP WITH....
Managing your debt, taxes, money or your business?
Most people do and now you can get help right on the Internet!
REQUEST FREE INFORMATION TODAY!
mailto:retirequickly@...
3 Minute Toll-Free Info Line:  1-888-304-3972, Code-324
Visit our website!  http://www.retirequickly.com/32995

************************************************

More Tips and Tricks to Save Money
Author Unknown

Place fabric softener sheets in dresser drawers and
your clothes will smell freshly washed for weeks to come.
You can also do this with towels and linen.

Candles will last a lot longer if placed in the
freezer for at least 3 hours prior to burning.

To clean artificial flowers, pour some salt into a
paper bag and add the flowers. Shake vigorously as
the salt will absorb all the dust and dirt and
leave your artificial flowers looking like new.

Stuff a miniature marshmallow in the bottom of a
sugar cone to prevent ice cream drips.

Use a meat baster to "squeeze" your pancake batter
onto the hot griddle for perfectly shaped pancakes every time.

To keep potatoes from budding, place an apple in the
bag with the potatoes.

To prevent eggshells from cracking, add a pinch of
salt to the water before hard-boiling.

Run your hands under cold water before pressing Rice
Krispies treats in the pan and the marshmallow won't
stick to your fingers.

To get the most juice out of fresh lemons, bring them
to room temperature and roll them under your palm against
the kitchen counter before squeezing.

To easily remove burnt on food from your skillet,
simply add a drop or two of dish soap and enough water
to cover bottom of pan, and bring to a boil on stovetop.

Spray your Tupperware with nonstick cooking spray
before pouring in tomato based . No stains.

When a cake recipe calls for flouring the baking pan,
use a bit of the dry cake mix instead and there won't be any
white mess on the outside of the cake.

*****************************************************

Start your own Home Based Business helping people save money
on their health related expenses! Doctors, Hospitals, Labs, X-Ray
Dentists, Drugs, Eyeglasses and Contacts, even Chiropractors.
Low Start Up fee. No insurance license required.  Start earning
Unlimited Residual Income helping people save 80% and more
on their HealthCare bills http://www.firsthealthsource.com/


*******************************************************
STOP WASTING YOUR TIME!
New product called the FileFinder/BookFinder great for
filing documents, charting information, marking the
place of a missing file or book.  For a sample tab
send $1.00 for postage to CCS, Inc. P.O. Box 98,
Chicago Heights, IL  60412 and receive a $1.00 rebate
on your purchase! Email andrea@... or
visit us at http://www.creativeclerical.com/
*******************************************

DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

***************************************************************
Please feel free to share this newsletter with your friends.
If you havea suggestion for an article, please email me directly at
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

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please emai lme directly mailto:cmc@...

***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!

Reply | Forward | Messages in this Topic (1)
#31 From: Cindy Snyder <cmc@...>
Date: Sat Mar 17, 2001 3:35 am
Subject: Issue 30 0nly4Homebuyers 		cmc@...
Send Email Send Email
  
March 16, 2001

Welcome to 0nly4Homebuyers Issue 30.
You are receiving this newsletter because you or someone
subscribed you to our list.  If you do not want to receive
any more issues go to yahoogroups using this link
  http://www.yahoogroups.com/group/0nly4Homebuyers
**********************************************
Are you a business owner?  Place your FREE Ads Here!
http://www.firsthealthsource.com/classified.html
************************************************

Calling all Computer Newbies!  Free information to help you
learn how to make your computer work more efficiently!
Get real down to earth help with your PC and the Internet
http://newbieclub.com/home/real_help
**************************************************

Start your own Home Based Business helping people save money
on their health related expenses! Doctors, Hospitals, Labs, X-Ray
Dentists, Drugs, Eyeglasses and Contacts, even Chiropractors.
Low Start Up fee. No insurance license required.  Start earning
Unlimited Residual Income helping people save 80% and more
on their HealthCare bills http://www.careentree.com/firsthealth

****************************************************
In This Issue:
12 Tips and Tricks to Save Money.
Attitude Check
Is your yard a blank slate?
********************************************************

12  Tips & Ideas, Tips, Tricks & Ideas
Author:  Unknown

  Flies or bees bothering you? Spray them with
hairspray and they will take a quick dive.

  Sealed envelope - Put in the freezer for a few hours,
then slide a knife under the flap. The envelope can
then be resealed.

  Use empty toilet paper roll to store appliance cords
in. It keeps them neat and you can write on the roll
what appliance it belongs to.

  For icy door steps in freezing temperatures: get warm
water and put Dawn dishwashing liquid in it. Pour it all
over the steps. They won't refreeze.

  Crayon marks on walls? This worked wonderfully! A
damp rag dipped in baking soda. Comes off with little
effort (elbow grease that is!).

  Permanent marker on appliances/counter tops (like
store receipt BLUE!); rubbing alcohol on paper towel.

Whenever I purchase a box of S.O.S Pads, I immediately
take a pair of scissors and cut each pad into halves. After years of
having to throw away rusted and unused and smelly pads, I finally
decided that this would be much more economical. And now a
  box of S.O.S pads last me indefinitely! In fact, I have noticed that
the scissors get sharpened this way!

Instead of banging a jar of jam, pickles, etc., with a knife until it
loosens up, I simply reach into the drawer and pull out the handy
nutcracker. It adjusts to the size of the jar and I simply give it a
  good twist and off pops the lid!

Blood stains on clothes? Not to worry! Just pour a little peroxide
on a cloth and proceed to wipe off every drop of blood.

Use vertical strokes when washing windows outside and
horizontal for inside windows. This way you can tell which side has the
streaks. Straight vinegar will get outside windows really
clean. Don't wash windows on a sunny day. They will dry too quickly
and will probably streak.

  Spray a bit of perfume on the light bulb in any room
to create a lovely light scent in each room when the light is turned on.
(Do this only whenthe light bulb is cool to the touch!)

  Place fabric softener sheets in dresser drawers and
your clothes will smell freshly washed for weeks to come.
You can also do this with towels and linen.
************************************************************
Business Owners: Promotional Billboards! Limited Offer.
http://shopmystate.com/cgi-bin/Billboard.pl?Phone=800-908-1699su
WorldWide Directory Offers FREE Billboard Web Sites!
Advertise in our International Biazzr Classifieds
http://www.shopmystate.com/cgi-bin/classifieds/classifieds.pl
and our excellent publication - LOGON Ezine.
http://shopmystate.com/logon/  Our Business Is Your
Business Success!
*********************************************************

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*************************************************************
Attitude Check
By Doris Dobkins

Are you good at handling money? Are you good at money management?
Robert J. Hastings wrote, "money management is basically self-control,
for unless one learns to control himself, he is no more likely to
control
his money than he is to discipline his habits, his time or his temper.
Undisciplined money usually spells undisciplined persons."
(this is a quote, I didn't say it and I'm sure there are exceptions.)

These are some strong statements but they need to be said. So
how do we learn self-control with respect to our money? The
key is to obtain a proper attitude. Don't consider yourself in
bondage when managing your money. Look at yourself as
FREE when you do manage it correctly.

You will have freedom and power to do what you should
  instead of what your impulses suggest.  You won't have
liabilities and debts hanging over your head. You won't have
  bill collectors calling you demanding payments. You won't
have the worries associated with debt when you can't make
a payment or met an obligation. And there won't be extra
month at the end of very paycheck. You will learn to be
content where you are and with what you have.

So don't think of money management as a systematic plan,
which you must be a slave to. Think of money management
as an attitude, your attitude toward how you save, spend and
earn your money.

Make today the first day on your quest to financial freedom
and a debt free life.

***  ==  ***  ==  *** ==

By Doris Dobkins, money saving expert
Author of "Financial Freedom A-Z Home Study Course"
and publisher of the free weekly ezine $mart Money New$
To subscribe, send an email by clicking on this link -->
mailto:join-smart_money_news@...
or sign up at her web site: http://www.creativefinances.com
*************************************************************

Need help cleaning up your credit?  A Professional agency can help you
get things back on track! If you are having trouble paying your bills,
visit this site.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************
HOMEOWNERS!  DO YOU NEED HELP WITH....
Managing your debt, taxes, money or your business?
Most people do and now you can get help right on the Internet!
REQUEST FREE INFORMATION TODAY!
mailto:retirequickly@...
3 Minute Toll-Free Info Line:  1-888-304-3972, Code-324
Visit our website!  http://www.retirequickly.com/32995

**************************************************
Is Your Yard Just a Blank Slate?
By Stacy Helt
  Those of you ready to landscape your yard shouldn't think of it
as a blank slate to be "drawn" upon. Any plot of land has many
factors which make up an active network. Several things must be
taken into account as you make plans for your landscape, even if
your space is not very large.

For a residential site, you may not have skyscrapers, fierce traffic,
and heavy pollution to account for.  Depending on where you live,
though, desert conditions, existing plants, lots of shade, or even sea
spray may need to be factored in to your site planning. Looking at
the entire situation, or context, of your site helps not only to decide
what kinds of elements to include (decks, walkways, vines, lawns,
etc.), but where they should be placed and how they will interact with
each other.

  For instance, having your heart set on your favorite rose bush may
cause you disappointment if your entire yard is densely shaded.
Planting your whole backyard in ivy may save you some lawn
  maintenance, but if you have young children, where will they play?

Before you even think about taking a major step in landscaping your
yard, you or a professional need to look at the following criteria:

site location
size of your space
shape of your yard
contours (change in elevation, dips and hills)
drainage patterns (where does water enter and leave your yard?)
zoning (what things won't you be able to do with the existing
ordinances?)
setbacks
utilities (where is that gas line, anyway?)
significant existing features (stumps, sheds, trees)
traffic patterns
views from and into your yard
climate/microclimates within your space
neighborhood patterns (is your corner lot a cut-through?)

Brainstorm; sit in your yard, walk around, and come up with the
variables that make your yard unique. Do you have kids who need a
place to play? Is there a big utility pole right where you wanted
to plant flowers? Does your drain spout empty in a really bad spot?
See if there are any unfavorable conditions that can be fixed
beforehand;
if not, your landscape plan will have to work around, or even improve,
these situations.

Good luck on this first step. Next you'll need to make a proportionately
drawn sketch on graph paper, in which you'll insert all of this
preliminary
  information. From there, you can go on to designing your yard, but if
you have trouble doing so, you'll at least have all the footwork done so
that a designer can take the process from there. Happy landscaping!

  Brought to you by: World Wide Information Outlet -
http://certificate.net/wwio/,
  your source of FREEWare  Content online.

  Stacy Helt is a home business owner who specializes in personalized
plant lists and landscape design via the Internet for customers in every
region of the United States. She has a five-year degree in Landscape
Architecture, and can be reached at designer@....
Her business web site can be found at
http://www.yourperfectlandscape.com/.
*****************************************************

If you could save up to 80% on your family's healthcare
needs, with all pre-existing conditions accepted, for only
$40 per month (entire family). Would you be interested
in learning more?  http://www.firsthealthsource.com/

*******************************************************
STOP WASTING YOUR TIME!
New product called the FileFinder/BookFinder great for
filing documents, charting information, marking the
place of a missing file or book.  For a sample tab
send $1.00 for postage to CCS, Inc. P.O. Box 98,
Chicago Heights, IL  60412 and receive a $1.00 rebate
on your purchase! Email andrea@... or
visit us at http://www.creativeclerical.com/
*******************************************

DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

***********************************************************
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********************************************************************
Please feel free to share this newsletter with your friends.
If you havea suggestion for an article, please email me directly at
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

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please emai lme directly mailto:cmc@...

***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!

Reply | Forward | Messages in this Topic (1)
#30 From: Cindy Snyder <cmc@...>
Date: Sat Feb 17, 2001 2:45 am
Subject: 0nly4Homebuyers Issue 29 		cmc@...
Send Email Send Email
  
February 16, 2001

Welcome to 0nly4Homebuyers Issue 29. Please send
your questions,comments or suggestions for future
issues to mailto:cmc@...
Your input is appreciated. If you would like to read more
articles about buying or selling a home, please visit our
website at http://www.creativemortgageco.com/
Cindy Snyder

************************************************
     $$$$$$$$$$$ ATTENTION  $$$$$$$$$$$$$$$$

It's tax time again!  Are you getting and taking all the tax
deductions that are available to you?  Did you know that
operating a Home Based Business is one of the best tax
deductions available? Why not start your own business today?

Start your own Home Based Business helping people save money
on their health related expenses! Doctors, Hospitals, Labs, X-Ray
Dentists, Drugs, Eyeglasses and Contacts, even Chiropractors.
Low Start Up fee. No insurance license required.  Start earning
Unlimited Residual Income helping people save 80% and more
on their HealthCare bills http://www.careentree.com/firsthealth

****************************************************
In This Issue:
Bi-Weekly Mortgage Payments.
Bad Credit Removal
Is it a Good Deal?
********************************************************

Need help cleaning up your credit?  A Professional agency can help you
get things back on track! If you are having trouble paying your bills,
visit this site.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************
Bi-Weekly Mortgage Payments
Have you been thinking about signing up for one of those programs
where you pay your mortgage every two weeks?  If so, be sure
to read this article first.  Can you really save money by doing this?
How much is it going to cost you? I am not saying it can't be a
good thing.  But....it's also good to be informed! Very interesting
reading.
http://credit.about.com/money/credit/library/weekly/aa080598.htm

***********************************************
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**************************************************

Negative/Bad Credit Removed Guaranteed! Call: 1-877-***-****.

Enticing ad isn't it? This ad sure grabbed my attention in the Tuesday
edition of my local newspaper. Knowing all that I do about credit, the
first word that came to mind was "How?" What better way is there to
find out how something is done than to go directly to the source. That
is just exactly what I did.

I picked up the phone and dialed the toll free number to get in contact
with Bad Credit Removal Services based out of Washington D.C. I first
announced myself as the owner of an Ezine that is aimed at helping and
educating consumers. No sooner did I mention that I was planning on
writing an article about this, did I get transferred to the general
manager, who never gave a name.

When asked how he could 'guarantee' removal of bad credit, he
replied with, "We actually guarantee that our contractor will get 50%
or slightly more of the bad or negative credit will be removed from
the consumer's report."

Next came the two most logical questions that a general manager
should have been able to answer, "How does your contractor do it?"
and "Can you tell me how I can reach your contractor?" I must admit
there was no surprise in finding out that this gentleman either could
not or would not reply to my questions other than to say "I don't know."

Are you wondering how much this company charges for it's 'services'
yet? How does $315 sound?  Never fear though, even though you
have bad credit, they will offer you payment plans! Getting excited
yet? Wait just a second there, I forgot to mention that in the state
of Virginia and 17 other states in the union, it is actually illegal to
demand money in advance for credit related services, aside
from receiving an actual report. I guess this company forgot to
think about that little law before placing an ad in the Virginian
Pilot and offering to do business in the state of Virginia.

My conclusion was that this amazing offer was a total scam. Not
only would you be paying them $315 for a service that they cannot
provide, due to credit privacy acts, but you would be handing over
your social security number, credit card numbers and a wealth of
personal information. Have you ever thought that you would be
paying someone to steal your identity? Of course not! If you took
advantage of this ad or any other ad like this one, that is just what
  you could be doing!

Some of you out there may be slapping yourselves on the head
because you have recently taken advantage of an offer like this.
Thanks to the rise in identity theft over the past 10 years, the
federal government and credit reporting agencies have teamed
up to prevent this type of theft from taking place.

If you fear that you have exposed yourself to identity theft, call
all 3 reporting agencies and have a fraud alert placed on your credit
file. "The fraud alert will tell the perspective creditor that in order
to
approve any form of credit for you over a set period of time, they
must legal contact you first by phone or request that you provide
much more proof of your identification. You choose a contact
phone number or address when you place the alert on your file
  that cannot be changed without going through a thorough
verification of identity process first." say M.B. of Trans Union.

Should a creditor not contact you if you have this alert on your
report, you can sue the creditor and be liable for absolutely no
balance what-so-ever of the credit extended. This is a federal
law that is reinforced by 41 states in the union.

The moral of the story is, not to sound like a cliche', if something
sounds to good to be true, it probably is. Do not be taken in by
these scams. If you have made a mistake however, there are steps
you can do to protect yourself.

Equifax: http://www.equifax.com/ (1-800-997-2493)

Trans Union: http://www.tuc.com/ (800-888-4213)

Experian: http://www.experian.com/ (1 888 397 3742)

Debra Vaughn is a stay-at-home mother to 3 young girls. She
is a freelance writer in her spare time. Debra also edits and
publishes The Family Budgeteer Weekly Online and Newsletter
  http://www.familybudgeteer.com/

*****************************************************
HOMEOWNERS!  DO YOU NEED HELP WITH....
Managing your debt, taxes, money or your business?
Most people do and now you can get help right on the Internet!
REQUEST FREE INFORMATION TODAY!
mailto:retirequickly@...
3 Minute Toll-Free Info Line:  1-888-304-3972, Code-324
Visit our website!  http://www.retirequickly.com/32995

*********************************************
Is it a Good Deal? Evaluating Your Future Home.

Evaluating the true value of a home depends on its physical
condition. A home that is in great shape is, naturally, worth
more than a home that is in poor condition.  The trick is in
figuring out if it truly IS in great shape.  This is not always
so readily apparent.

Look at it this way.  Let's go shopping for a mattress.  Now
we have here two mattresses.  They both look fine, but a
mattress of poor quality will need to be replaced much sooner
and may not be all that comfortable. Especially if the springs
are poking you in the back!  Same goes for buying a new sofa.
It might look great, but if the frame is poorly made, how long
before you will need to replace this sofa?

It's no different with a home.  A new coat of paint and some
new vinyl in the kitchen is great.  But what if, the foundation
is cracked?  What if the furnace is 15 years old and possibly
in need of repair or replacement?    The home may be
worth a lot less than the asking price.

The owners of the home are supposed to disclose problems.
However, sometimes they don't or maybe they aren't even
aware there is a problem.  You need to insist on a professional
  home inspection.  Your Real Estate Agent should be able to
recommend one.  If not look in the yellow pages under Home
Inspection.  Know what you are buying.
******************************************************

If you could save up to 80% on your family's healthcare
needs, with all pre-existing conditions accepted, for only
$40 per month (entire family). Would you be interested
in learning more?  http://www.firsthealthsource.com/

*******************************************************

DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

***********************************************************
VivaRebates.com is giving away FREE credit cards with flight miles on
any airline, merchandise points, and more - all FREE.  And they’re
giving away millions of dollars to those who refer new Cardholders.
Learn more at VivaRebates.com
http://www.vivarebates.com/Index.cfm?ReferralID=04H99CMC
*********************************************************
Please feel free to share this newsletter with your friends.
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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#29 From: Cindy Snyder <cmc@...>
Date: Tue Jan 16, 2001 4:19 am
Subject: Issue 28 0nly4Homebuyers 		cmc@...
Send Email Send Email
  
January 15, 2001

Welcome to 0nly4Homebuyers Issue 28

As publisher of this newsletter, I would like to take this opportunity
to wish each and every one of you a Happy and Prosperous New
Year!  I hope you all find some useful information in the articles that
are presented here.  Please feel free to write me with your questions,
comments or suggestions for future issues.  Your input is appreciated.
If you would like to read more articles about buying or selling a home,
please visit our website at http://www.creativemortgageco.com/
Cindy Snyder

************************************************
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There are 115,000,000 people in America that either have
NO insurance or are Under-insured. There are millions more
that can barely cover the costs of their premiums!

Start your own Home Based Business helping people save money
on their health related expenses! Doctors, Hospitals, Labs, X-Ray
Dentists, Drugs, Eyeglasses and Contacts, even Chiropractors.
Low Start Up fee. No insurance license required.  Start earning
Unlimited Residual Income helping people save 80% and more
on their HealthCare bills http://www.careentree.com/firsthealth

****************************************************
Specialty Homes have Special problems
By:  Cindy Snyder

Is your dream home a rustic log cabin by the lake?  How about
a circular shaped home or an earth home?  These types of homes
are called "specialty homes" and as wonderful and unique as they are,
they have special problems to go along with them.

In order to get financing you will need an appraisal.  If your dream
home is a one of a kind, it makes it hard to get it appraised.  The
homes very uniqueness is the problem.  An appraiser pulls what are
called "comps" which are other homes that are similar to yours that
have sold in your general area in the last few months.  The appraiser
will compare size, condition, amenities, acreage, etc of these homes
to yours and this is, at least partly, how they come up with a value.
If no other homes are like yours…..it makes it hard to set a value on
the house.

The second problem is that lenders prefer a more "generic-type"
house.  Why?  A specialty home will appeal to a much smaller
number of people, whereas a regular home will appeal to more
buyers.  Should you default on the loan, the lender may have a
harder time reselling the home.  Many lenders only offer ARM's
(Adjustable Rate Mortgages) on these types of homes.  Some require
a higher down payment and others will require a higher interest rate.

Another thing to consider is the resale.  It is estimated that a
"regular" house will appeal to 50% of the people.  A specialty
home will appeal to only about 10%.  Which means that you
may have a hard time selling it yourself when the time comes
so be prepared to wait for the right buyer to come along.

If you are dead set on that little log cabin nestled in the hills on the
lake, you may not be concerned with these things.  However, it is
certainly something to consider if you are thinking about a specialty
home.
********************************************************

Need help cleaning up your credit?  A Professional agency can help you
get things back on track! If you are having trouble paying your bills,
visit this site.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************
Understanding Interest Rates and Points
By:  Cindy Snyder

The interest rate that you are quoted by a lender is the number that is
multiplied by the loan balance to determine the interest payment.  The
rate quoted on a mortgage is an annual rate, but it is applied monthly.
This is called the  APR (Annual Percentage Rate).

On a Fixed Rate Mortgage, the interest rate is "Fixed" meaning it
does not change over the life of the loan.  If you keep the loan for
1 year or 30 years, the rate stays the same.  Many people prefer
the Fixed Rate over an adjustable rate because it can not ever change.

On an Adjustable Rate Mortgage, (ARM) it can change each year.
Usually the first year the rate stays the same.  After the first year,
it may go up (or down) depending on the current rates.  You can
get ARM's that are fixed for 1, 3, 5 and even 10 years before the
rate changes.  Usually this is a trade off since the  rate starts out
being lower than with a fixed rate, but it can end up higher, just
depending on the changes in the economy.  If you don't plan to
be in the house for a long time, this may be the way to go.

Points are related to the interest rate.  A lender may offer a fixed
rate at 7.5% with zero points or 7.0% with 2 points.  Each  "point"
will cost you 1% of the loan amount.  For example, with a $100,000
loan, each "point" would cost you $1,000. This is called buying down
the rate.  The points are paid at closing along with all your other
fees. Only you can decide if buying down the rate is right for you.
If you are planning to be in the home for a long period of time,
it may be worth it to you.  However, if you think you may refinance
at some point in the future, maybe not.

***********************************************
Come on over to the Awardwinning Mall of Treasures!
Hundreds of shops and services under one roof!
Our merchants are offering all sorts of specials!
Your one stop shopping mall http://www.malloftreasures.com/

***********************************************
If you could save up to 80% on your family's healthcare
needs, with all pre-existing conditions accepted, for only
$40 per month (entire family). Would you be interested
in learning more?  http://www.firsthealthsource.com/

*******************************************************

DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

***********************************************************
Please feel free to share this newsletter with your friends.
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!

To subscribe--- mailto:0nly4Homebuyers-subscribe@egroups.com

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Reply | Forward | Messages in this Topic (1)
#28 From: Cindy Snyder <cmc@...>
Date: Sat Dec 16, 2000 8:59 pm
Subject: 0nly4Homebuyers Issue 27 		cmc@...
Send Email Send Email
  
December 16, 2000

Welcome to 0nly4Homebuyers Issue 27

Happy Holidays!  We here at Creative Mortgage Co
wish you all a happy and safe holiday season.
http://www.creativemortgageco.com/
************************************************
     $$$$$$$$$$$ ATTENTION  $$$$$$$$$$$$$$$$

Need Tax Deductions?? Start your own Home Based Business!
There is no better way to save money on taxes than operating your
own home based business. Turn everyday expenses into legitimate
business deductions!  Start the New Year off on the right foot.
Earn Residual Income helping the Millions of Un-Insured and Under-
Insured in the US save 80% and more on their HealthCare bills.
http://www.careentree.com/firsthealth or call 803-732-3908.
Be in business for yourself, but not by yourself.  We offer training,
marketing guides, mirror sites, and much more to help you succeed.

****************************************************

Your Ad could be here!  0nly4Homebuyers accepts paid advertisements!
Send an emailto:cmc@.../ for rate information.

*************************************************************
Reading Between The LINES
By Doris Dobkins
http://www.creativefinances.com


Dear (Insert Your Name Here):

Having more cash makes the holidays merrier. This letter and the
enclosed checks are a huge gift box to you brimming with CASH. Celebrate
the holidays just the way you want. Call a caterer and give yourself
and your friends a truly wonderful holiday party. Surprise someone
special with a gift everyone will talk about for years to come.

Use the enclosed checks and get a jump on the New Year. Whatever your
plans, the enclosed checks will make gift giving seem effortless.

We are giving you the spending power that’s bound to make the happiest
of holidays for those who mean so much to you. Get extra cash and have
peace of mind for the New Year. Wrap up holiday details quickly and
conveniently with the enclosed access checks, then sit back and enjoy
the holiday season.

Purchase new furniture or a computer… Make a down payment on a new car…
Take a vacation… Even write a check to yourself, deposit it into your
checking account to use however you like.

Sincerely,

Your Friend
Chief Marketing Officer
Your Credit Card Company

Translated Version:


Dear Naive Customer:

We depend on you to make us rich. Therefore, increase your debt and
have a miserable holiday. The enclosed checks are not a gift. They are
disguised as a gift and we say they are a gift for the foolish people
out there who will use them (and there are plenty of people who will).
They really aren't a gift, they are just credit offers to make you pay
more for things than you would if you were paying cash.

Celebrate the holidays the way you want. Spend as much as you can.
We'll get rich off of you. You should be paying off your mortgage but
we'll get you to pay us instead and then one day you'll wake up old,
still owing us lots of money and you won't be able to retire because you
have NOTHING.

So get yourself in more bondage this holiday season. Borrow from us to
consolidate your loans. Then you'll free up those other cards so you
can charge them up again. It works most of the time. If you have a lot
of debt, show your friends that everything is under control. Throw a
party and have it catered. We won't charge you anything until that
check hits the bank. Then we'll get you on interest from day one. But
your friends will be impressed and that’s what counts. Yes, increase
your debt. Everyone around you would be so much happier. It’s the noble
thing to do!

Set yourself back financially for the New Year. Go now, cash these
checks (that’s why we give deadlines to motivate you into quick
action). Work an extra 20 years to pay these bills off. Indulge
yourself now. You deserve to have everything you want right now. Self-
Gratification RULES! That’s our motto and we love it. It makes us RICH!

Get some cash now. You won't have peace of mind after you get our bill.
We will make money off of you even if you pay your bill in full, which
most of you won't do. We know that and that’s why we offer you the
promotional rate for a few months. You'll be so in debt it'll probably
take you 42 years to pay off the bill. That’s the average for most
people. Plus, we'll increase your interest rate after just a few months
and we'll always apply the payments you make to the lowest interest
portion of your bill.

We know you can't afford a fancy new television set or that expensive
new sports car but if you use these checks you can get them. You may
end up defaulting on the loan and losing the purchase but that’s ok.
We'll still make lots of money. Matter a fact, if you pay the item off
eventually, you'll usually pay 3 times the purchase amount because of
interest and WE get that money. By the way, if you can't think of
anything to buy and need a little extra time, just write a check for
the highest amount and put the money in your bank account. Sure we'll
charge you more interest than your bank pays but just think about all
the money you'll have in your account.

You probably won't enjoy the holiday season much worrying about your
payments and being slaves to your debt, but we really don't care.

Happy Debt-Ridden Holidays

Sincerely,
Disclosure Department of
Your Credit Card Company

** ++  **  +  **  ++

Learn how to get out of debt and stay out of debt.
Get your copy of “Financial Freedom From A-Z” from
Doris Dobkins today.

TRIPLE YOUR MONEY IN 45 DAYS OR she will PAY YOU THE
DIFFERENCE!  http://www.creativefinances.com/book
***********************************************
Come on in to the Awardwinning Mall of Treasures!
Hundreds of shops and services under one roof!
Our merchants are offering all sorts of specials!
Your one stop shopping mall http://www.malloftreasures.com/

***********************************************
If you could save up to 80% on your family's healthcare
needs, with all pre-existing conditions accepted, for only
$40 per month (entire family). Would you be interested
in learning more?  http://www.firsthealthsource.com/

*******************************************************
Holiday Home Sellling
by Cindy Snyder

Many people think that the Holiday season is not a good time
to buy or sell homes and it is true that only the hard core buyers
may be looking during this time of year. Many people will abandon
plans to sell during this time to concentrate on getting ready for the
holidays, but that just means less competition for you!  If you are
a couple or family, this may be the best time to take time off
together to look for a home.

We are very transient people.  Our jobs are moving us from city
to city and state to state every day of the year! Many people will
not want to wait to find a home for their families. Waiting until after
the holidays may mean months before the family can be together
again permanently.

For the seller, this is a perfect time to go all out with your
decorating! That catheral ceiling is best shown off with a
huge sparkling tree.  How about an elaborate garland wound
around the stair banister?  The dining room table set with your
best sparkling china and holiday linens? The wonderful smell of a
live Christmas tree and wreathswork wonders!  A roaring fire, candles
and all the wonderful scents of Christmas will enhance your homes
best features.

So, don't abandon your plans for selling your home until
after the holidays.  You may get less traffic, but that is okay.
The traffic you do get will be serious potential buyers!

******************************************************
DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

*************************************************************

Need help cleaning up your credit?  These are the professionals!
Professional agency can get things removed or at least upgraded
that the average consumer is not able to do on their own.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127
AOL Users should be able to click on this link
<a
href="http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127</a>
***********************************************************
Please feel free to share this newsletter with your friends.
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!

To subscribe--- mailto:0nly4Homebuyers-subscribe@egroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@egroups.com

Or go to -- http://www.egroups.com/group/0nly4Homebuyers

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Reply | Forward | Messages in this Topic (1)
#27 From: Cindy Snyder <cmc@...>
Date: Thu Nov 16, 2000 12:48 am
Subject: Issue 26 0nly4Homebuyers 		cmc@...
Send Email Send Email
  
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!!

******************************************
Please visit our sponsor, Creative Mortgage Company
http://www.creativemortgageco.com/
************************************************

Come on in to the Awardwinning Mall of Treasures!
Hundreds of shops and services under one roof!
Our merchants are offering all sorts of specials!
Your one stop shopping mall http://www.malloftreasures.com/
Click on this link to go to our Christmas Coupon Specials!!
http://www.malloftreasures.com/Christmas/

****************************************************

Your Ad could be here!  0nly4Homebuyers accepts paid advertisements!
Send an emailto:cmc@.../ for rate information.

*************************************************************

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!

***********************************************
Only 39 More Days til Christmas! Time to get started on your
Holiday Shopping!  Get it all here! Shop from the comfort of home
and avoid the crowds! Large selection of gifts and collectibles from
around the world!!  http://www.snyderhaus.com/

******************************************************
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.

*******************************************************
DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

*************************************************************
Creative Gardening newsletter is a FREE and fun interactive
ezine.  Each Monday you'll be able read, answer or ask gardening
questions!  Also included in the ezine is a gardening article
and a seed swap.  To subscribe, send a blank e-mail to:
CreativeGardening-subscribe@onelist.com
*********************************************************
Need help cleaning up your credit?  These are the professionals!
Professional agency can get things removed or at least upgraded
that the average consumer is not able to do on their own.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127
AOL Users should be able to click on this link
<a
href="http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127</a>
***********************************************************
Please feel free to share this newsletter with your friends.
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!

To subscribe--- mailto:0nly4Homebuyers-subscribe@egroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@egroups.com

Or go to -- http://www.egroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please emai lme directly mailto:cmc@...

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Reply | Forward | Messages in this Topic (1)
#26 From: Cindy Snyder <cmc@...>
Date: Tue Oct 17, 2000 3:00 am
Subject: 0nly4Homebuyers Issue 25 		cmc@...
Send Email Send Email
  
October 16, 2000

Welcome to 0nly4Homebuyers Issue 25
Please visit our sponsor, Creative Mortgage Company
http://www.creativemortgageco.com/
*************************************************

STOP WASTING YOUR MONEY ON HEALTHCARE!!
Save up to 80% on all your family's healthcare needs, including
doctors, hospitals, dentists, vision, hearing, even chiropractors!
Pre-exisiting conditions-No Problem. No One is turned down.
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Life After Divorce
by Cindy Snyder
http://www.creativemortgageco.com/

When you get divorced and the decree is final, the first thing you want
to be
sure to do is close any and all joint accounts with your ex-spouse.
Otherwise
you will be liable for all charges.  It does not matter than you are no
longer
legally married.  When the account was opened and the credit was
extended,
you were married.  As far as the creditor is concerned....you owe the
money
and they don't care who made the charges.

For example, you have a  Visa in both names.  Now your divorce decree
states
that you are each responsible for your own debts, right?  Well if the
Visa card
happens to have both your names on it, then you are each, equally liable
for all
charges to that card.

So if your Ex decides to go on a spending spree and then not pay the
bill or for that
matter, just not pay the bills on time....it goes on YOUR credit
report.  So make sure
that ALL joint accounts are closed.


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Seven Ways To Make A Million
By Doris Dobkins

Do you want to have a secure retirement? Do you want to live
comfortably in your old age?  If so, the latest statistics say you need
a million dollars. Wow, a million dollars, that's a lot of money. Yes
it is but with inflation it won't even be worth as much as it is now.
So it's time to start planning NOW for your future.

To have One Million Dollars at a future date, if you average an annual
rate of return of 10% and make regular monthly investments, here is how
much money you need to invest each month to reach your goals:

$5,000 a month for 10 years = $1,024,225
$2,600 a month for 15 years = $1,077,623
$1,400 a month for 20 years = $1,063,116
$800 a month for 25 years = $1,061,467
$480 a month for 30 years = $1,085,034
$300 a month for 34 years = $1,027,617
$100 a month for 45 years = $1,048,250

The questions now are easy.  How old are you?
How many years until you want to retire?
How much do you need to be saving a month?

If you can't afford the monthly amount, start looking for ways to
increase your income or decrease your expenses to meet that monthly
goal.

Don't say you can't do it, say you can and find a way to make it
happen.

Creating a plan is the first step towards retirement success. Please
start now. Don't wait any longer until it is too late. $100 a month is
all you have to save if you are 20 years old. The earlier you start,
the better off you will be. Do whatever it takes to reach your monthly
investing goal.

If you like to forecast and plan with financial calculators, here's the
calculator I used:

http://www.homebank.net/workingCalcs/calcul3.htm

Remember to write down your plan, evaluate it on a regular basis and
rejoice in your success.

== ** == ** == ** == ** == ** == ** == ** == ** ==

Doris S. Dobkins, is a money saving expert and the author of the book
"Financial Freedom from A-Z". She is also the publisher of a weekly
online ezine $mart Money New$ full of financial strategies and money
saving tips. To subscribe, send an email to: news@...
or visit her web site today at: http://www.creativefinances.com
*******************************************************

DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

*************************************************************
How To Deal With Debt Collectors

Debt Collectors are in a class by themselves.  These are people that
will say
anything, do anything to get you to pay them first.  They will tell you
how
they are going to take you to court, take your house, your car, ruin
your
credit rating and a whole slew of other nasty things.  Some have even
been
known to swear at you and not many are willing to work with you.

The first thing you need to remember about collectors is to not lose
your
cool and don't let them get to you.  Be straight forward, firm and above
all
polite.  When they call and start harassment procedures, simply tell
them
that you have had financial difficulties lately and you have had to
prioritize your debts.  Your mortgage and living expenses come first and
you
are not able to make payments right now.  As soon as you are able you
will
contact them to start making payments again.  They will keep calling,
but
this is basic response that you will need to use.  As the collection
procedure moves on, a creditor may transfer it to an outside collection
agency.

Third party collectors are the most brutal of the breed.  This is where
your
patience will be tested.  The following is a list of things collectors
cannot
do.  These are all violations of the Fair Debt Collection Practices Act.

A collector calls you at work knowing that it is inconvenient or your
employer forbids it.
A collector calls before 8:00 am or after 9:00 pm.
A collector makes an excessive number of home calls to annoy or harass
you.
A collector knows you are represented by an attorney, whose contact is
easy
to locate, and the collector continues you call.
A collector tells someone, other than you, your spouse, or your attorney
that
you owe money.
A collector misrepresents the amount or legal status of a debt.
A collector give other creditor information about you that is false, or
should be known to be false.
A collector fails to honor your dispute or cease communication rights.
A collector threatens to take your property or garnish wages if they do
not
intend to do it.  Your property cannot be taken and your wages garnished
without a court order.  A judgment must be taken before a writ of
execution
can enable the collector to seize property.
A collector uses, or threatens to use, violence or any other illegal
means to
harm your family, your reputation, or your property.
A collector uses profane or obscene language when communicating with
you.
A collector threatens you with criminal prosecution or implies that you
have
committed a crime.  Debt and credit issues are a matter of civil law,
not
criminal law.
A collector tricks you into accepting collect calls or telegrams.
A collector cashes, or threatens to cash, a post dated check before the
date
written on the check, if it is postdated by 5 days or more.
A collector claims to be an attorney or sends letters made to look like
it is
from an attorney, unless they are actually an attorney.
A collector sends a letter that is made to look like a government or
court
document when it is not.

There are many things to remember when dealing with creditors, but the
most
important is that you are in no way required to speak to them at all and
there is no law against hanging up on them.  If you have told them your
situation and they are still berating you, simply tell them the
conversation
is over and hang up the phone.

The following are what collectors CAN do to you if you fail to pay your
debt.

They can cancel their relationship with you.  Your credit card can be
canceled or your doctor can refuse to see you again.
They can report your default with the credit bureaus.
They can begin legal proceedings to collect the debt.

As you can see there is very little they can do to you.  The most
worrisome
thing may be the legal proceedings.  There are a few things to remember
where
this is concerned.  First, it is expensive to take you to court.  So,
depending on how much you owe them, they may not even bother.  Second,
If
they do sue, you have the right to answer.  You do not need an attorney
to
let the court know you are having financial difficulties.  If the
creditor
sees you may contest the action, they may drop it all together.  Never
let a
court proceeding go on against you without responding.  Third, even if
they
do win all that happens is a judgment is entered against you.  This just
give
the creditor the ability to try to seize property or wages.  Most times
it is
just a judgment that sits there until you can pay it.  Again, this may
depend
on how much is owed.  Lastly, you may be judgment proof.  Some state
laws
protect certain assists and wages against judgments.  You would want to
find
out what the laws are in your state.

How To Stop Debt Collection Harassment

1)  Stop it before it starts.  If you find you cannot pay your bills,
you
want to call your creditors before they call you.  You can at least let
them
know your situation and see if there is anything they can do to help you
before the trouble begins.

2)  Sending a Cease letter.  Writing a letter to the collector can stop
them
in three tracks, up to a point.  This only applies to third party
collectors,
not collectors trying to collect their own debt, though some will honor
the
request.  What you want to explain in the letter is the difficulty you
are
having and what you hope to do in the future to get back on track.  Ask
them
to cease contacting you regarding the account and list the name and
account
number.  Sending a copy to the Better Business Bureau doesn't hurt
either.
Any illegal practices that they have used should be listed in the
letter.

3)  Letter from a lawyer.  If the cease letter does not do the trick,
then
you may consider contacting an attorney to help you.  Letters from
attorney's
tend to get more attention from collectors and once they contact AFTER
your
original cease letter, they are now in even more hot water.  This may be
a
very good tactic, but may cost money for the attorney.

4)  Work it out with the collector.  Working out some kind of agreement
with
a collector can work, but is not always the best idea.  However, what
they
want to work out with you is to get their payment in full and may ask
you to
borrow money from somewhere else to pay it off.  If you can hold off
their
suggestions you can get them to work out some kind of agreement with you
that
will work for you.  Remember to keep it within your budget.  If you
cannot
afford what they are asking for, then tell them you will have to
consider
other options.

5)  Go to a Government Agency.  There are agencies out there that govern
collection practices.  If you feel you have a collector that is
continually
abusing the Fair Debt Collection Practices Act, seek out one of these
agencies and tell them what is happening with your situation.  The
Federal
Trade Commission is where you want to send your complaint.  Their
address is
Federal Trade Commission, Bureau of Consumer Protection, Washington, DC
20580.
*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Would you like a question answered? E-mail your question to
MNCred1@...
and type question in the subject field. Questions will be answered
anonymously in the next available newsletter and personally by e-mail.
*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Carolyn Baker, Vice-president
<A HREF="http://www.mncredit.com/">Minnesota Credit Association</A>
Your first step to becoming debt free!
  http://www.mncredit.com

*************************************************

Come on in to the Awardwinning Mall of Treasures!
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If you are in business for yourself or want to
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cmc@... and tell me what you would like to see!
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Reply | Forward | Messages in this Topic (1)
#25 From: Cindy Snyder <cmc@...>
Date: Sat Sep 16, 2000 12:44 am
Subject: Issue 24 0nly4homebuyers 		cmc@...
Send Email Send Email
  
September 15, 2000

Welcome to 0nly4Homebuyers Issue 24
Please visit our sponsor, Creative Mortgage Company
http://www.creativemortgageco.com/
*************************************************

FREE SHIPPING, FREE GIVEAWAYS, FREE GREETING CARDS!
Get a jump on your holiday shopping!  Large selection of gifts
and collectibles from around the world!!  http://www.snyderhaus.com/
2000-2001 Winner of the GoldenWeb Award

******************************************************
REDUCING YOUR BUDGET  A LITTLE AT A TIME

Budgeting is the art of managing the money you have.  Whether you have
extra money each month or are living from paycheck to paycheck, it's a
good idea to set some goals for the money leaving your house.

If you already have a budget but are looking for ways to reduce it, the
best way to start is by looking at the variable expenses in your
budget.  Anything that isn't fixed and can fluctuate from month to
month is an opportunity.

Start by making a list of all your expenses that fluctuate each month.
Rank them from highest to lowest.  What is your highest monthly-unfixed
bill?  Is it your food bill, utilities or gasoline expenses?  Mine is
probably my grocery bill so let's discuss that one.

Go back one year and calculate what you have spent on food each month
(include eating out).  Average the costs out to what you spend each
month and each week.  Now how much do you want to save a month in the
food budget category?  Divide that by 4 and try saving that much each
week.  What does that leave you each month and week to spend on food?

After you have a goal set, you will want to spend a few minutes
strategizing for ways to reduce that bill by 10-25%.  Saving just $25 a
week is $100 a month.

I just did this exercise myself and discovered I spend an average of
$245 a month on food for my family of four.  I think that is pretty
good but I know I can do better.  With some menu planning around weekly
specials and eliminating some of those last minute purchases, I could
probably save $10 a week and put that extra $40 a month into my
vacation fund.  There's nothing I love more than a good vacation in a
tropical place.  So with a few cuts in just one area of my budget, I've
got an extra $480 for vacation in 12 months.  See how simple it is.  If
you make a game of it and have goals, it can be fun and it can be done.

Here are some questions to help you with your plan:

* How much of your costs are from eating dinner out?
* How many lunches do you eat out during the week?
* Can you pack a lunch just 3 days a week and save the extra money?
* Can you begin creating weekly menus based on store sales to reduce
costs?

Need a few tips on eating for less?

1. Eliminate convenience foods (make your own as much as possible).
2. Have a soup and sandwich night once a week.
3. Make a weekly menu based on the sales for the week.
4. Buy things in bulk once a month when on sale.
5. Reduce your consumption of meat.
6. Freeze extra meals for another week.  i.e. make a big batch of
    soup and use half for a meal this week and the other half next week.
7. Buy what you can eat or freeze.  Don't waste food.  Every dollar
     in food that you waste costs about $1.25 to replace.
8. Cook from scrap as much as possible.  It is usually cheaper than
   buying processed foods and it is much healthier too.  Look for some
   older cookbooks whose recipes are made up of unprocessed foods to
   save even more.

Until you get used to these changes, you may want to take that monthly
amount out of your bank account each week and put it in an envelope.
When you go to the grocery store, that's all you can spend.  I
guarantee you'll be more careful about what you buy if you know you'll
be paying cash from the envelope when you get to the register.

In Summary:
Why do you want to save money? Why do you want to reduce your expenses?
What are your financial goals?  The answers to these questions need to
be clear in your mind so you can stick with your goals.  Look at these
methods as a way to reach your financial goals whatever they may be.
They are a means to an end, instead of something you are forced to do.

If you are a visual person, you might want to put the savings into an
envelope each week.  You'll immediately see the results of your efforts
and it'll keep you motivated.  Then, save the money for something
special - whatever fits in with your goals!!!

Happy Budgeting!!!

~~~ ** ~~~ ** ~~~ **

Doris S. Dobkins, is a money saving expert and the author of
the book "Financial Freedom from A-Z". She is also the publisher
of a weekly online ezine $mart Money New$ full of financial
strategies and money saving tips. To subscribe, send an email to:
news@...  or visit her web site today at:
http://www.creativefinances.com

*************************************************************

STOP WASTING YOUR MONEY!!
If you could save up to 80% on all your family's healthcare needs,
with all pre-exisiting conditions accepted, for only $40.00 per month.
Would you be interested in learning more? Visit this website
http://www.careentree.com/firsthealth  You will be amazed at how much
you can save simply by bypassing the insurance companies!

*****************************************************
You Can Replace an Electrical Outlet
by Bethanny Davis

I recently had a problem with one of the electrical outlets in
my home. When I tried to plug in or unplug something, or even
just wiggled the cord, the entire circuit would short out,
leaving me with no lights in three rooms, no electrical outlets
in two rooms and *gasp* NO COMPUTER!

Well, obviously this was a terrible problem. I mean, how can a
writer live without her computer? I had to do something, and
fast!

Unfortunately, as a single mother, calling an electrician was
just not in the budget. I'd have to figure out how to fix it
myself. I did it, for $11.11, and if you follow my
instructions, you can do it too!

WHAT YOU NEED

*A multimeter - This is a tester used to check to see if there
is electrical current running through the wires. I got mine at
Kmart for $9.99 plus tax. This was the most expensive part of
the repair for me. If you already have one, it won't cost much
at all. *A new outlet - Sells for $0.49 plus tax at Kmart.
*Screwdrivers

TURN THE POWER OFF

The first step is the most important: TURN THE POWER OFF!
Electricity is not something to play around with. Be very
careful. Before starting any electrical project, always turn
the power off. Go to the fuse box and find the circuit you will be
working on. Remove the fuse or switch the circuit breaker off.

TEST YOUR TESTER

Now you need to make sure your multimeter is working properly.
Make sure there is a battery in the multimeter. Now, find a
battery that you can use to test your tester. Set the unit to
the appropriate battery size, and touch the negative probe to
the negative end of your battery and the positive probe to the
positive end of the battery. The needle on the multimeter
should move. Now that you know it works, change the setting on the
multimeter to AC current, or DC if you are in a country that
uses DC.

TEST THE OUTLET

Before starting the repair, you need to test the outlet to make
sure the power is off. To do this, check to make sure your
multimeter is on and set to the correct voltage. Insert the
tester's probes into the outlet. The needle should not move. If
the needle moves, you probably did not turn off the correct
circuit. Go back to the circuit box and try another breaker.

WARNING: Do NOT continue with this repair if you are unsure
whether there is power going into the outlet. When in doubt,
call an electrician.

REMOVE THE OLD OUTLET

To remove the old outlet, use a screwdriver to remove the screw
in the middle of the outlet plate, then remove the plate. Now
unscrew the two screws holding the outlet and pull the old
outlet away from the wall.

CHANGE THE WIRES

Look at the back of the outlet. There are either three or five
wires. One wire (the ground) wraps around a screw. The other
wires stick straight into holes on the back of the outlet.
These wires can be disconnected by inserting a screwdriver into the
slot next to each wire, then pulling the wire out.

Disconnect one wire at a time from the old outlet, then plug it
into the same location on the new outlet. This will keep you
from getting the wires mixed up.

REPLACE THE OUTLET

Push the outlet back into the hole in the wall and replace the
two screws that hold it in place. Then screw the cover plate
back in place.

TURN THE POWER ON

Flip the circuit breaker back to the on position or replace the
fuse, then check your work. Plug something into your new outlet
and turn it on. It should work now. Congratulations!

WARNINGS

ELECTRICITY IS DANGEROUS. IT CAN SERIOUSLY INJURE OR KILL YOU.
ALWAYS BE VERY CAREFUL WHEN WORKING WITH ELECRICITY. IF YOU
HAVE ANY DOUBTS WHATSOEVER ABOUT YOUR ABILITY TO SAFELY
PERFORM THIS OR ANY OTHER ELECRICAL REPAIR, DON'T DO IT!
CALL AN ELECTRICIAN.

About the author

Bethanny Davis lives in Michigan with her two children. She
writes articles about money, parenting and relationships. She
also enjoys writing short stories and poetry. More of her work
can be found at http://writergirl.stormloader.com/.
*******************************************************

DO YOU KNOW what's on your credit report?
Here's a chance to find out for FREE:
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

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Christmas Gift Stores-Shop online year round for unique gifts.
We feature some of the most specialized merchants in existence.
Visit us today at http://www.christmasgiftstores.com/ and
while you're there, be sure to sign up for our newsletter so you
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**************************************************

Come on in to the Awardwinning Mall of Treasures!
Hundreds of shops and services under one roof!
Our merchants offering all sorts of specials!
Your one stop shopping mall
http://www.malloftreasures.com/
Click on this link to go to our Christmas Coupon Specials!!
http://www.malloftreasures.com/Christmas/

****************************************************
RECOMMENDED E-ZINE  -- WELL WORTH READING:
   ** Colleen Mandato's All-Business E-zine --
             excellent source of ideas
             on how to make more money on the internet!
   Just send an e-mail to All-Business-subscribe@egroups.com

***************************************************

Creative Gardening newsletter is a FREE and fun interactive
ezine.  Each Monday you'll be able read, answer or ask gardening
questions!  Also included in the ezine is a gardening article
and a seed swap.  To subscribe, send a blank e-mail to:
CreativeGardening-subscribe@onelist.com

********************************************************

Are you taking all the tax deductions you possibly can?
I thought so too!! Wrong! Visit this site
http://www.ima.thetaxpeople.com/~csnyder
Or call 888--304-3972 CODE 106
Take the time to find out for yourself!

******************************************************
Please feel free to share this newsletter with your friends.
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!

To subscribe--- mailto:0nly4Homebuyers-subscribe@egroups.com

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***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!
--
PS.  If you could save up to 80% on your family's  healthcare needs,
with all pre-existing conditions accepted, for only $40 per month… Would
you be interested in learning more?  If so, click on this link.
http://www.careentree.com/firsthealth or send a blank email to
mailto:creativehealthcare@...

Creative Mortgages are what we do!  http://www.creativemortgageco.com/
*****************************************************************
Looking for a special gift?  FREE SHIPPING!! http://www.snyderhaus.com/
*****************************************************************
Are you taking ALL the tax deductions you can??
http://ima.thetaxpeople.net/~csnyder

Reply | Forward | Messages in this Topic (1)
#24 From: Cindy Snyder <cmc@...>
Date: Wed Aug 16, 2000 4:32 pm
Subject: 0nly4Homebuyers Issue 23 		cmc@...
Send Email Send Email
  
August 15, 2000

Welcome to 0nly4Homebuyers Issue 23
Come over to Creative Mortgage Company and see what we have been up to!
Our site has been completely redesigned.  Come
See!http://www.creativemortgageco.com/
*********************************************************************
Contest just for moms!  Enter to win $75 in Baby Bucks, or vote in our
Photo Contests!  Auctions, message boards and prizes all at Mom's Life!
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*************************************************************
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Professional agency can get things removed or at least upgraded
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***********************************************************
Beat the Stress of Moving

Did you know that DEATH, DIVORCE, & MOVING are the three
most stressful experiences in life? Below are some tips to
help you beat one of the big three, moving!

1.   Be prepared.  There is too much to do to panic at this
last moment.  You will wonder if you will ever get this move
completed, you might feel sick to your stomach.....it will pass
if you have prepared yourself for the move.  Did you notify
  the utilities? The post office?  Make a list of all the things
that need to be done and cross them off once completed.
That way, you will know they are done.

2.   Keep that picture in your mind.  Your new home, once
you are in, all the furniture in place, your pictures up, the fresh
new paint, the kids in their new school, all that extra room you
are going to have for your growing family. Envision your happy
family in their new home. Get excited! This is a good thing!

3.  Be flexible with the amount of money you have available
for this move.  Keep an extra pad of a couple thousand dollars
if possible.  Moving is expensive and you are going to want to
buy new things for your new home.  That old rug just won't go
with your new decor!    Your now have four windows in your
kitchen instead of just two.

4.  If you are packing yourself, start early.  Begin with the
attic or basement and just pack up things that you are not currently
using.  Then move on to your closets, pack up your winter/summer
clothing.  Then go to the nick nacks and pictures.  If you start a
month or more ahead of time, it won't be nearly so bad!  If you are
using a moving company, call and arrange for pickup a month or more
  in advance.

5.  If possible, get someone to watch the kids on moving day.
A child under foot  is not fun when you are trying to pack up last
minute items (or unpack for that matter).

6.  Order dinner out.  Better yet, go out to eat and take some
time to unwind.  It will still be there when you get back and you get
  a chance to see your new surroundings.
*****************************************************
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Can Health Insurance Make You Sick?
by Tammy Harrison

If your employer offers you a health insurance plan, you may not
realize the entire amount of premiums that are contributed per month -
until you decide to quit your job to be self-employed.  My husband
received a nice benefit package from his previous employer (an
institution of higher learning) and when we decided to start our own
business after our first child was born, one of the major financial
dilemmas we had to face was what to do about health insurance.

After discussing our options with my doctor, she encouraged us to
participate in the COBRA plan offered by the university at least until
our daughter was three months old.  At that time, we had to pay $564 per
month to remain active with our health insurance company. Now, I don't
know how your monthly expenses add up...but we could eat, have air
conditioning or heat, cable television and water for that amount per
month!

During that three months, we had every insurance representative
we could find give us their sales pitch.  Knowing that we had to
cut back on expenses to make our home-based business a success,
we realized that  health insurance was unaffordable for the average
person starting out on their own.  Every insurance plan presented
to us wanted at least $300 per month in premiums, and most of the
plans would not cover our pre-existing conditions for one year.
In effect, we would be paying over $3,600 in premiums alone
(not counting the co-payments for doctor visits and prescriptions)
before the insurance would pick up the tab on my husband's
sinus allergies or my dermatological allergies.

After some serious number-crunching, we realized that ove
the course of a year we paid nearly $7,000 in insurance premiums!
Then, we added up the medical expenses paid by us and by the
insurance company (even the delivery and birth of the baby) and
it came to less than $5,000.  The reason for this is that as insured
on a group health plan, the risks are spread out amongst all of the
plan participant, some of who are using more health insurance and
some who use less.

We then began to look at our out-of-pocket expenses for doctor visits.
Our baby would need well-baby checkups every few months and I
would need my annual exam and my husband would need his yearly
physical.  All of those expenses added up to less than $500 per year.

We could well afford to pay the doctors directly for our care
compared to paying an insurance company "in case" we needed care.
With that decision made, we moved on to major medical insurance.
This insurance usually has a higher deductible than health insurance
in exchange for lower premiums. We found a well-known, reputable
company that offered us a major-medical insurance policy for less
than $110 per month with a $2,500 deductible. The only catch was
that the major medical would not cover pregnancy -but, we could
live with that while we raised our first child and our first home-based
business.

Over the course of that first year, we created our own medical savings
account and set aside $190 per month.  We were also able to take
some tax advantages by purchasing the insurance through our company.
At the end of that year, we had nearly enough saved for an emergency
deductible in case of hospitalization.

But, despite the shock of health insurance premiums making us sick...the
inevitable happened.  No, not an emergency appendectomy.  I became
pregnant with child #2 and we made the decision for my husband to return
to full-time employment.  The university he works for now picks up the
entire cost of premiums but we still have our medical savings account
that we started nearly five years ago just in case the high cost of
health insurance makes us sick again!
______________

copyright 2000 Tammy Harrison. Tammy Harrison is a wife and
mother of three children ages four and under. She has a degree
from Mizzou in Human Environmental Sciences, Consumer
Economics and Management, Personal Financial Management.
She is the Independent Creative Representative for
Home-Based Working Moms (http://www.hbwm.com), email
HBWM_Creative_Rep@... to HBWM free
eNewsletter at mailto:hbwmoms-e-news-subscribe@egroups.com
**************************************************
ATTENTION! Now there is an alternative to paying all those
High insurance premiums! Introducing Affordable Health Care!
Did you know that PPO's and HMO's are NOT insurance?
$40.00 per month covers the entire family.  No limitations,
Pre-Existing conditions, OK! Learn more! Send a blank email to
mailto:creativehealthcare@...
*************************************************************
Wellness Inside and Out - - create lifestyle wellness with state
of the art products you can trust.  For product info and specials visit:
http://www.shaklee.net/integrativewellness Contact zannrose@...
for a complementary wellness consultatation  and Sign up for health
and wellness tips at http://www.topica.com/lists/wellnessinsideandout
**************************************************************
FREE SHIPPING, FREE GIVEAWAYS, FREE GREETING CARDS!
Get a jump on your holiday shopping!  Large selection of gifts
and collectibles are available at Snyderhaus http://www.snyderhaus.com/
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Come on in to the Awardwinning Mall of Treasures. Hundreds of
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****************************************************
Take a stroll through Cranberry Village to visit quaint little shoppes
and meet the local townfolk. While you are there, be sure to read
our current addition of The Cranberry Villiage Gazette to get the
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***************************************************
Free to Enter! Contest Cover Girls "Puzzler"  http://www.cgafghans.com/
Win a Nap/travel set: includes pillow and afghan(completely machine
washable)in red, white & blue. Retail Value: $54  Drawing date: 9/1/2000
********************************************************
Please feel free to share this newsletter with your friends.
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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Reply | Forward | Messages in this Topic (1)
#23 From: Cindy Snyder <cmc@...>
Date: Sat Jul 15, 2000 5:21 am
Subject: Issue 22 		cmc@...
Send Email Send Email
  
July 14, 2000

Welcome to 0nly4Homebuyers Issue 22
*******************************************************************
GRAND RE-OPENING SALE!!!!!  Use the discount code...grand...and get
15% off everything!!!! Plus FREE SHIPPING!!!  Be sure to register
for our free giveaways too!  Come on over!
http://www.snyderhaus.com/
**************************************************************
Your Ad could be here!  0nly4Homebuyers accepts paid advertisements!
Send an emailto:cmc@.../ for rate information.
*************************************************************
Need help cleaning up your credit?  These are the professionals!
Professional agency can get things removed or at least upgraded
that the average consumer is not able to do on their own.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127
AOL Users should be able to click on this link
<a
href="http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127</a>
***********************************************************
IS YOUR CREDIT BUREAU FILE HURTING YOU? - FIND OUT!

By Doris Dobkins
dorisd@...

I've received quite a few questions and comments over the past few
weeks regarding credit reports, credit ratings and questions on how to
improve information in the credit files.

It's not a surprise then that one of the biggest problems plaguing
over 260 million Americans is the negative and damaging information
about them in their credit file. And Americans aren't the only ones
plagues by this problems. People from all over the world are too!
While some of the information in your credit report may be accurate,
there are many times when there is false or inaccurate data. Has this
been your experience?

The first step you should take whether you have good, bad or something
in between credit is to find out exactly what is in your credit file.
You can do this by either contacting each of the three agencies
directly or ordering them through a service. (I'll list a few places
to do that below). It is a good idea to order a copy from all three
agencies so you can compare them and get a more accurate picture of
what is being reported.

Your second step would then be to review the information thoroughly
and carefully. It is as important to note the good and positive
things that are missing from your file, as well as any incorrect
information that might be present.

If you find some negative reports in your file, even if they are true,
there are times when they are misleading. There are several things
you can do to complete, correct and make your file up-to-date.
Matter-a-fact, it is your responsibility. The credit bureau's are not
going to help you out. Their basic responsibility is to collect
information about you. This would include things such as account
information and payment habits.

If the information in your file is accurate but doesn't tell your side
of, the story, it is important to get your story included. If you
were seriously ill or had some unavoidable circumstance happen in your
life, you might want to include that in your file. Definitely
emphasize all the positive's before the incident.

If there is inaccurate information in your file, challenge it. If
there are items in dispute status and that isn't indicated in the
report, be sure to inform the agency.

Complete a consumer dispute form that is available at any consumer
reporting agency. If there are errors in your file and you are able
to get them corrected, the consumer reporting agency is also
responsible for notifying all potential creditors and employers who
have inquired into your file the past few years about any of the
errors that have been corrected.

Don't let the credit bureau tell you that you have no right to request
changes. Section 611 of the Fair Credit Reporting Act states that you
do have the right to question your report and have it corrected. The
agency must investigate and either respond or delete the item within
30 days.

If you will need credit in the future to buy a home or vehicle, it is
a good idea to start this process at least six months before you will
actually need the loan. This will give you time to clean up any
problem areas and disputes as well as have any red flags removed that
might have been placed in your file as a result of the correspondence.

There are three main credit bureaus. Here is their contact
information:
1. Equifax
P.O. Box 740256, Atlanta, Georgia 30374-0256
Phone: (800)685-1111
http://www.equifax.com


2. Experian National Consumer Assistance Center(Formerly TRW)
P.O. Box 2104, Allen, Texas, 75013-2104
Phone: (800)682-7654 or 1-888-397-3742
http://www.experian.com


3. TransUnion
P.O. Box 2000, Chester, PA 19022
Phone: (800)888-4213
http://www.transunion.com/CREDITREPORT


I also want to recommend a few sites for additional information on
credit.

http://www.CreditDefenses.com/ - a consumer website operated
by former credit collection pros! There's insider information,
assistance, credit law references, services and more. They also
have a FREE newsletter you can subscribe to. Check out their
RESOURCES section. You can also get copies of the following Acts at
their
site:

- Fair Credit Reporting Act
- Fair Debt Collections Act
- Fair Credit Billing Act

Another site for credit report information is:
http://www.mycreditfile.com

They will obtain your credit reports for you from all three bureaus
and you can access all three credit bureaus from their site.
FOR SOME CREDIT PROBLEMS, self-help may be best. Under the Fair
Credit Reporting Act, credit repair companies can't do anything that
you cannot do for yourself at little or not cost. You don't have to
pay a credit repair company to learn what is in your file or to
correct inaccurate or incomplete information.
    - per the Federal Trade Commission

This site has some great articles on credit as well as some credit
repair tools. Free straight talking info, advice and tips:
http://www.consumercreditrepair.com/default.asp?AffID=30003160


I challenge you to get a copy of your credit bureau report as soon
as possible and review it carefully. Take the necessary steps if you
find errors. Also, make a commitment to follow this procedure once a
year to keep your credit looking good.
* = * = * = * = * = * = ** = ** = ** = ** = ** = ** = **
Doris Dobkins is the author of "Financial Freedom From A-Z"
and publisher of the weekly ezine $mart Money New$
featuring financial strategies and money saving tips.
To subscribe, send email to: news@...
or check out her web site: http://www.creativefinances.com

**************************************************
Need to Re-Establish Credit?  Get your unsecured FutureCard.  Apply
online!!
Click here http://www.futurecard.com/un.asp?tag=008055
Good Credit or Bad!  This is the place to go.
***************************************************************************
The Three Biggest Seller Turnoffs for Buyers to Avoid
By Ted Iversen

Househunting? You'll find the meeting of homebuyer, real estate
agent and seller can be a complicated affair.  At any one time, there
are tons and tons of pseudo-homebuyers out shopping, wasting an agent's
time, while wasting their own time.  While home sellers actually see
less than one percent of the flakes and poseurs in the marketplace, that
is enought to ensure that, by the time you as a buyer deal with a
seller,
chances are he or she has had negative experiences.

By knowing and avoiding the following three biggest seller turnoffs, you
will
build cooperation and confidence, laying the foundation for a smooth,
successful
transaction:

1.  You cant get a loan.

You go through the entire "dance" of seeing properties, finding one you
like,
putting in an offer, having it accepted, getting yoru hopes up that you
will purchase it,
visualizing yourself living there, fantasizing about how life will be in
your new home--
only to be turned down by the finance companies and have your dream
crushed..

Look at this from the seller's viewpoint.  Imagine that yourare
acutioning an item.
A few people bid. You are excited about the winner.  Then you find out
that the buyer
doesn't have enough money.  What would you do?  How would you react?
Would you immediately
recognize that you are dealing with a turkey?

Avoid becoming associated with a Thanksgiving meal.  Here's how.  The
best thing you can do
is obtain a pre-approval by a lending institution.  Usually you pay a
processing fee, a credit
reporting fee and an appraisal fee upfront.  This often totals about
$500.  You fill out an
application, your credit is evaluated, your bank accounts verified and
the company gives you a
letter stating that you are pre-approved for a certain amount based on
this information and
your planned down payment.

A seller who sees this pre-approval letter knows that you are serious
and you have the money
to buy the home.  You have a lot more clout than someone with out the
Pre-approval letter.


2.  You fail to express appreciation
One hundred years ago people were born and died in the same house.
Today, people move every
three to seven years on average - depending on the state they live in.
Regardless, most
people have pride in their surroundings no matter how short-lived their
stay.

For example, you may meet a seller in a 3000 square foot house who is
trading up to a
7500 square foot home.  You hear him complain about his old home- how
small the rooms are.
The rooms seem big to you.  Then you notice some pink wallpaper in a
small room that you
don't like.  You get caught up int he seller's badmouthing of his own
house, and make comments
about the wallpaper.  Mistake.

Talk to your agent - not the seller - about issue that bother
you.  Your agent might tell you it will cost $1000 to have wallpaper
removed, use this as
leverage in the offer.  The seller might tell you he proudly put the
paper up himself for his
daughters bedroom, which you now want to use as an office.  You may
alienate the seller with
your comments.


It is better to try to look at the house from the seller's point of view
and express
appreciation for it, knowing that you can make changes later, than to
offend the seller.
You will lose points and create an adverse negotiating position.

3.  You are not willing to pay a fair price.
You can try to pay $500,000 for a million-dollar property.  You probably
won't get
too far.  Even worse, you probably won't get a second chance - at least
not with the
same seller.

If a home that you like is overpriced, it is better to avoid it.  The
seller has his/her
head someplace where the sun doesn't shine.  Don't waste your time
trying to bring the
seller into the light. Find another deal. Find a fair property that is
worth a fair offer.

Games Real Estate Agents Play is adapted from TEd Iversen's consumer
handbook by the
same name, a decade-long study of the real estate industry, available at
bookstores or
through at http://www.gamesplay.com/
(C) Copyright 2000 Theodore Iversen
Syndicated by ParadigmTSA
*************************************************************************
Creative Mortgage Company can do a Pre-Approval for you!
Go here and do an online application.
http://www.creativemortgageco.com/
************************************************************************

Christmas in July!!!Visit the Creative Kids Bookstore!!
Currently offering 30% off thru July 16th.
Enter the discount code 40434NWCT at checkout!!  Pick up some great buys
on
Books, Toys, Music and Software!!
http://www.vstore.com/vstorebooks/cmckidsbooks
******************************************************************************
SUSPENSE!  ROMANCE!  TENSION!  ENTERTAINMENT!
Here's what people are saying about Love Has Many Faces -
"If you havea best friend, you shouldn't miss this one.  The story is
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Laugh,cry and reminisce about your own life's journey and friendships in
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company of likable, well developed characters.  Great content for a
movie
a variety of people, places and conflicts for days."  No Guilt Reading
Group -- Read the first 3 chapters of Love Has Many Faces online for
FREE at
http://www.chistell.com.  All orders come with FREE Priority Mail
Shipping and Handling.  Don't miss this suspense-filled, page-turner!
Call Toll FREE 1-800-929-7889 or Visit http://www.chistell.com
*******************************************************************
Are you tired of living Paycheck to Paycheck?  Would you be interested
in learning how to keep more of the money you are currently giving to
Uncle Sam?  The Tax People can help you put more of your money back in
your
pocket.  Call this number...1-888-304-3972.  Be sure to leave the
Code number 106 along with your name and phone number if you like what
you hear.
*******************************************************************
/////////////////////////////////////////////////////////
Adwardwinning Mall of Treasures invites you to come on over for a visit.
Hundreds of shops and services under one roof!  We guarantee you will
find
what you are looking for!Click here!
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///////////////////////////////////////////////////////////


Please feel free to share this newsletter with your friends.
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!

To subscribe--- mailto:0nly4Homebuyers-subscribe@egroups.com

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please emailme directly cmc@.../

***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!

Reply | Forward | Messages in this Topic (1)
#22 From: Cindy Snyder <cmc@...>
Date: Fri Jun 16, 2000 2:03 am
Subject: Issue 21 0nly4Homebuyers 		cmc@...
Send Email Send Email
  
June 15, 2000

Welcome to 0nly4Homebuyers Issue XXI
*******************************************************************
TIRED OF LIVING PAYCHECK TO PAYCHECK?
Don't have time for another job?  Let our ex-IRS Agents
show you how to get an immediate pay raise!! 3 minute
recorded message  Call 1-888-304-3972 CODE 106
You have nothing to lose and Everything to Gain!

**************************************************************
Your Ad could be here!  0nly4Homebuyers accepts paid advertisements!
send an emailto:cmc@.../ for rate information.
*************************************************************
In this Issue:
The 100 Word Statement
I am drinking Water---not Juice!
Making an Offer
***************************************************************
Credit Repair-The 100 Word Statement
by Cindy Snyder

Do you have negative entries on your credit file?  Did you know that you
can write a statement concerning the issues surrounding this entry and
the credit bureau will include it on your file?  Keep the statement to a
maximum of 100 words, hence the title, "100-Word Statement.  Stick with
the facts and be sincere.

This statement allows you to tell your side of the story.  Many times,
your side of the story will convince a creditor that a negative entry on
your report was an unfortunate incident that couldn't be prevented at
the time.  This problem does not mean that you are not trustworthy, only
that you encountered a problem and was unable to do anything about it at
that point in time.

Let's say your company went bankrupt or you were injured in an accident
and was unable to work for a period of time.  This resulted in late
payments or accounts being turned over for collection.  By telling your
side of the story, you can counter any negative reports with a positive
entry.  Of course, this is assuming you now have a steady income and can
meet your obligations.

What if you had a dispute over defective or undelivered merchandise, or
a medical bill that your insurance was supposed to pay and you are still
working on getting the bill paid?  Explain your reasons for not paying
in your 100 word consumer statement.  Write the statement as if you were
talking to the creditor.  State the facts and don't get too wordy or
show anger.  You will be given the benefit of the doubt if you explain
your side intelligenty and clearly.

This is just one of the things you can do to clean up your credit
file.   The first step in clearing up your credit is to obtain copies of
the reports themselves.  Listed below are the names and phone numbers of
all three of the major credit reporting bureaus.  I encourage you to
call and order your credit reports from each because each can have
different entries.  If you have a spouse, get his/hers too.

If you don't have the time or inclination to clean up your own credit,
you may decide to get some professional help.  Many times, a
professional agency can get things removed or at least upgraded that the
average consumer is not able to.  I have not personally used this agency
but you can click on the link to see what they offer.
http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127. AOL
Users <a
href="http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127</a>
I know they also offered secured and unsecured credit cards if you need
them to build your credit file, as well as, information that can be
downloaded
on credit repair.

Here are the three major credit reporting bureaus phone numbers.

Experian (TRW)   800-682-7654

Equifax          800-685-1111

TransUnion       800-916-8800

Good luck!

***********************************************************
SUSPENSE!  ROMANCE!  TENSION!  ENTERTAINMENT!

Here's what people are saying about Love Has Many Faces - "If you have
a best friend, you shouldn't miss this one.  The story is great.  Laugh,
cry and reminisce about your own life's journey and friendships in the
company of likable, well developed characters.  Great content for a
movie -- a variety of people, places and conflicts for days."  No Guilt
Reading
Group -- Read the first 3 chapters of Love Has Many Faces online for
FREE at http://www.chistell.com.  All orders come with FREE Priority
Mail
Shipping and Handling.  Don't miss this suspense-filled, page-turner!
Call Toll FREE 1-800-929-7889 or Visit http://www.chistell.com
************************************************************

I AM Drinking Water - Not Juice
by Doris Dobkins
http://www.creativefinances.com/

You're drinking water instead of juice. You're cleaning your own house
and mowing your own yard.  Eating out is a twice-annual luxury and your
car looks older than you!

So what's the problem?  You're saving costs every way you can but your
bank account doesn't show it!

If you're like me, you tend to save a lot but then spend the savings on
other things instead of taking it to the "bank".

Here's a plan to help those of us who want to invest but don't quite
know how to start.

First of all, create a budget.  At the very minimum, write down on a
piece of paper how much money you spend on what each month.  This will
give you some guidelines to work with.  You don't want to save at the
expense
of creating debt but you don't want to under save at the expense of
wasting
money.

Step two.  Every time you save some money, whether it is through
coupons, eating at home versus going out, or whatever, calculate the
savings and put it aside.

If you go to the grocery store and your coupons save you $20, take the
$20 and put it in an envelope or specially designated savings account.
When you get a $10 rebate in the mail, put it in the same place.  When
you've
been frugal with your telephone calls and your bill is $50 instead of
$100, take the cash and put it aside.  Do this until you have $250 saved
up.

Step three.  Now, take that money and go on-line.  Find a stock that's
been performing well or a high growth mutual fund and buy $250 worth.
Two great places for on-line trading with this method are Ameritrade and
Suretrade.  You can find Ameritrade at www.ameritrade.com and they
charge $8.00 a trade.  www.suretrade.com is another great option at
$7.95 a trade.

If you've never invested on-line before, it's a piece of cake.  You can
place your order on the computer and then mail your check within 3
business days.  If you have any questions, give the organization a call
and they can walk you through the process over the phone.

So do it!  Make your $250 investment and feel good about yourself.  You
now have something to show for all your money saving efforts and
sacrifices.  It's a great tangible feeling of accomplishment and it's a
great start for investing.  If it takes you three months to collect the
$250, that's not bad.  If you can collect it in one or two month's even
better.  Maybe you have lots of money leftover each month and you can
save it every two weeks.

Step Four. Don't start spending your savings now.  We aren't done.  It
is time to start over.  As quickly as you can, save another $250 and
this time pick a DIFFERENT fund to invest in.  How about a technology or
telecommunications fund.  Always diversify.  Purchase your second batch
of stocks/funds from a different sector. (i.e. oil, drug, technology,
retail, banking, etc.)

Continue this pattern until you have 5-8 different investments, each
with $250.  Then repeat the cycle.  Add the next $250 to your first
investment for a total of $500. Then contribute to the second fund and
third and so on. You can repeat this cycle as long as you want.

Do you need some ideas on where to find more money for investing?  Here
are some:  Once your bills are paid off, invest your former credit card
payments, cars loans and/or lease payments.  Invest any raises or
bonuses you receive.  How about your income tax refunds? For more ideas,
checkout my web site.  It is full of articles on money saving
tips.  http://www.creativefinances.com/tips

There's a famous saying from Warren Buffet: "If you're not going to hold
stock for ten years, don't touch it for ten minutes."  Think long-term
and benefit from the wonders of compounding interest.  Saving $3,024
annually ($252/month) @15% return compounded annually will be $309,789
in 20 years.  In 30 years you would have $1,314,669.  In 40 years you
would
have $5,379,969.    15% return is very realistic these days.  If you get
better than 15% return, then you will achieve these results even sooner.

If you are young, you've got time on your side.  You can easily be a
multimillionaire by following this simple investment strategy.  If you
are a baby boomer, it is not too late either.  Start now so you won't
look back and wish you had!
********************************************************************
Making an Offer
by Cindy Snyder
http://www.creativemortgageco.com/

Making an offer can be nerve-wracking!  You really like this house.  You
want it bad.  How much should you offer?????  The art of writing a good
offer involves many elements.  You don't want to pay more than is
necessary and you dont want to be unrealistic either.  Be very sure you
want this house before you make the offer.  Usually you will be required
to pay earnest money if the offer is accepted.  In most cases, this
money is not refundable.  Typically earnest money required is about 1%
of the offer.  Below are several things you should consider.

1.  Consistency in Price.  How does the house compare in price to other
homes in the area that are for sale?

2.  Comparable Sales in the Area.  Your real estate agent should be able
to provide you with this information.  It is very important to consider
how much other homes that are similar to yours are selling for.  If you
are not using a real estate agent, you can check with the courthouse.
Be sure to look at only similar homes and only the most recent sales.

3. Length of Time on the Market.  A seller might be willing to negotiate
on your terms if the house has been on the market for a long time.  Or
if they are being transferred and need a quick sale.

4.  Get Preapproved.  Mortgage preapproval is a great negotiating tool.
If the seller knows you are already approved for the loan, he/she might
be willing to meet your terms.

5.  Condition of the home.  Consider the cost of what you will need to
do to the home.  Does it need a new roof?  Will you need to add a deck
or porch?  How old is the furnace and air conditioning unit? How about
the carpet?  Is it big enough for your growing family?

6.  If a New Home.   Is the building cost per square foot reasonable?
Check the local costs  per square foot by consulting with other local
builders in the area, but remember, the price of the lot also
contributes to the selling
price.

So by now you should have a good idea of what you think you want to
offer for the home.  In your offer you should include the following.

1. The amount of the offer.
2. The proposed closing date
3. Any contingencies that must be met.  ie..a satisfactory home
inspection.
4.  Items to be included with the sale of the home.  Specify all extras
in writing.  If you want the refrigerator, it must be included in the
offer.

If you are using a real estate agent, the agent will prepare the
document for you.  If you are making the offer yourself, it can be a
handwritten or typewritten document.  Just make sure you include all the
necessary information.

Good luck and happy househunting!


////////////////////////////////////////////////////////////////////

Need a great gift?  Stop over at Snyderhaus Gifts & Collectibles.  You
are sure to find something special.  Now offering FREE SHIPPING within
the US.  Go here! http://www.snyderhaus.com/
*******************************************************************
/////////////////////////////////////////////////////////
Adwardwinning Mall of Treasures invites you to come on over for a visit.
Hundreds of shops and services under one roof!  We guarantee you will
Find what you are looking for!Click here!
*********Award Winning Mall Of Treasures***********
http://www.awardwebsite.com/awardmall.html
///////////////////////////////////////////////////////////

Please feel free to share this newsletter with your friends. If you have
a 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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Reply | Forward | Messages in this Topic (1)
#21 From: Cindy Snyder <cmc@...>
Date: Tue May 16, 2000 4:42 am
Subject: 0nly4Homebuyers Issue 20 		cmc@...
Send Email Send Email
  
May 15, 2000

Welcome to 0nly4Homebuyers Issue XX
*******************************************************************
Mortgage Rates are going up!!!  Don't wait any longer!!  Go to
http://www.creativemortgageco.com/prequalify.html
Get your application in now before they go even higher!
**************************************************************
Your Ad could be here!  0nly4Homebuyers accepts paid advertisements!
send an emailto:cmc@.../ for rate information.
*************************************************************
In this Issue:
Rates Shoot UP
Help! I'm facing Foreclosure
Property Taxes
Decorating- Sponge Painting
Check out the Mall!
***************************************************************
Rates Shoot UP!

Well folks, the worst has finally happened.  Over the last few weeks, we
have been watching the rates slowly start creeping up again.  As of
today, the long-term mortgage rate is at 8.625%.  This is the highest it
has been since 1995.  Short-term rates are the highest we have seen
since the Gulf War!

The Federal Reserve Board is meeting tomorrow and this could bring about
an even more substantial increase in the rates.  Many people have been
thinking that the Fed had things under control and that the economy
would respond in kind.  Unfortunately, rate increases may be the only
way to cool things off and keep inflation under control.

Read this great article.  It explains the "why" much better than I can!
http://www.bankrate.com/brm/news/fed/20000512.asp
***********************************************************
Help! I'm facing Foreclosure!
By Cindy Snyder
http://www.creativemortgageco.com/

I can't tell you how many times I have heard this statement.  It is
really disheartening to hear, especially when the person has been paying
on the home for years and never had any problem until now.
Unfortunately, once it gets to the point of foreclosure, there really
isn't much we can do for them.  You must start early.

The best thing to do is pay your house payment each month on time!  If
you have been paying on time every time and you run into a problem.
Contact your mortgage company and let them know!  They can look back at
your history and see that you are a good paying customer and will be
more likely to want to help you. If you are going to be past your grace
period date, call them.  Stay in contact with your mortgage company at
all times.

Most times, your lender will be willing to work out a repayment plan for
you.  You need only to ask. If you don't stay in contact, they can only
assume that you have no intention of paying.  The next thing you know
you have the sheriff knocking at your door.

If you can't get any help from your current lender, don't wait until you
are 3 or 4 months behind to try to get another loan.  I can tell you
that at that point in time, your current lender has been reporting you
to the credit bureau as late.  The new potential lender will look at the
credit history and immediately see that you have been 30, 60, 90 and 120
days late.  Most lenders won't touch it once it gets to the 120 day mark
because traditionally, foreclosure has now begun.

Another problem you will run into is the Loan to Value.  If you are 90
days behind on payments, depending on the rest of your credit, you may
not be able to borrow more than 65 or 70 percent of the value.  Unless
you have been in the house a long time, or you put down a large down
payment, you will be in trouble here.   For example, the house is valued
at 100K, you owe 90K, your loan to value is 90%.  If you are also 90
days behind, watch out.  You are going to have a hard time getting a new
loan.  That is why it is important to work with your current lender if
at all possible.

Believe it or not, most mortgage companies DO NOT want to foreclose. I
know this may sound surprising, but it is all about economics.  Each
step in the foreclosure process requires time and money. The foreclosure
paperwork, the eviction process, reselling the home, all that costs
money.  The end result is that they lose money on foreclosed property.
They really would rather work things out with you.  I know this may be
hard for some of you to swallow, especially if you have been in this
situation, but it costs the mortgage company money to throw you out.
So, before you do anything else, try to work it out with your current
Lender.
***************************************************************

PROPERTY TAXES  PART I
By Doris Dobkins
dorisd@...

Everyone who owns a home or property gets to pay property taxes.
Most people make monthly payments to a mortgage company to hold
in an escrow account until they are due.  "Isn't that nice
service for my mortgage company to provide," you might say.
Well, answer this question then.  Who is earning the interest
on that money every month until it is paid out? It most certainly
isn't you!  That is interest that you could be earning for yourself
instead of so generously giving away.

Why not start paying your taxes and homeowners insurance yourself
as they come due.  Property taxes in the United States are due
twice a year (in December and April).  Insurance payments are
also another area, which you can pay yourself and earn your own
interest on the money until it is due.  If the interest is
annually averaged at $250 on both policies (property taxes &
homeowners), and we considered a 40-year time frame (this could
be over several different homes) at an eight percent interest
rate, you could have saved over $62,000 in interest and earnings
just by writing those checks twice a year yourself.  Wow, and
think what the savings are if you had two or more houses.

Now if you spend the money instead of saving it and earning
the interest, you might not have the money when you need it
and that would be worse than paying it to the mortgage company
escrow account each month.  A simple solution is to set up an
automated withdrawal of the money from your account and have it
go directly into a mutual fund which you don't access except
for paying the property taxes.  Over the years, the account will
grow and grow and by starting soon enough, you'll have a great
cash value by retirement or when you need that new car or want
to take a vacation.

Property Taxes  (Questions & Answers)  Part II

QUESTION:  I thought it was mandatory that mortgage companies
collect monies for escrow accounts.  Am I really able to pay my
own taxes and homeowners insurance?

ANSWER: It depends! Most of you should be able to pay your own taxes and
homeowners insurance if your "LTV" is low enough and your mortgage
company doesn't have a policy against it.  If you own your home
outright, you most definitely can pay your taxes and insurance
directly.

QUESTION:  What is "LTV"?

ANSWER:  Your "LOAN TO VALUE" RATIO.  What percentage is your loan
Compared to your appraised value? If your LTV is below 80% (Which means
you have at least 20% equity) then you are usually allowed to pay
your own insurance and property taxes.  Each state may have
different regulations so check with your mortgage company what
their requirements are.


QUESTION: Do escrow accounts pay interest?

ANSWER:  Escrow accounts can be in either a non-interest bearing
trust account or an interest bearing account.  If they do pay
interest, it is usually very minimal, depending on the holder.
One mortgage broker I spoke with who has a $200,000 loan only
makes $50 a year in interest on her escrow account.  She feels
she could do a lot better investing the money on her own but her
LTV ratio is too high at this time.


QUESTION:  Is interest from an escrow account considered income?

ANSWER:  Yes, you will receive a 1099 at the end of the year
stating the earned interest for the year.


QUESTION:  If my LTV Ratio is below 80%, and I want to pay my
taxes myself, what should I do?

ANSWER:  Contact your mortgage company and discuss your options
with them.


QUESTION:  I have a LTV ratio of 75% so I could pay my own taxes,
but I'm not very good at saving and would probably spend the
money.  Should I still try to pay them myself?

ANSWER:  My first response is no because you definitely don't
want to get a loan to pay your taxes.  But there are so many
automatic investment plans that you can set up to have the money
withdrawn automatically to a special fund just for property taxes
and homeowners insurance.


QUESTION:  What about homeowners insurance? Do the same rules
apply.

ANSWER: YES, they will also look at your LTV.


QUESTION:  Can you give me an example of how much money I could
earn or make by paying my taxes and homeowners insurance myself?

ANSWER:  Given that there are 1000's of scenarios, I'll give you
an example based on a $170,000 home that has annual property
taxes of $2,124.  If this person were to put $177 a month into a
mutual fund from January 1 to December 1 of each year, at an
average of 10% interest, they would make about $120 a year.
If their homeowners insurance was $780 a year and they put $65 a
month into the same account they would make an additional $40 or
so a year for a combined interest of $160.  If this money were
just left each year for 20-40 years, it would accumulate from
$20,000 to $30,000 over the years, depending of course on
interest rates and length of time invested.  Think of this as a
long-term retirement plan.  You'll have enough money eventually
to take a dream vacation and buy a new car or whatever, and it
won't cost you an extra penny to get it.

So if it sounds right for you, go for it.  It can only increase
your wealth.  But check it out for yourself based on where you
live, what you pay in taxes and insurance and what your mortgage
companies policies are. It's definitely worth a $20,000 shot.  :)

Remember - think long-term.

* * * * * * * *

Doris S. Dobkins, is a money saving expert and the author of
the book "Financial Freedom from A-Z". She is also the publisher
of a weekly online ezine $mart Money New$ full of financial
strategies and money saving tips. To subscribe, send an email to:
news@... or visit her web site today at:
http://www.creativefinances.com


////////////////////////////////////////////////////////////////////

Need a great gift?  Stop over at Snyderhaus Gifts & Collectibles.  You
are sure to find something special.  Now offering FREE SHIPPING within
the US.  Go here! http://www.snyderhaus.com/
*******************************************************************

Decorating- Sponge Painting
By Cindy Snyder
http://www.creativemortgageco.com/

Have you tried Sponge Painting?  I just recently painted my kitchen
using this technique and was amazed at how professional it looks. It is
really easy to do and much less messy than the traditional way of
rolling it on. Let me say upfront that I do not like to paint.  I am
just not coordinated enough.  I always make a big mess, end up with
paint all over me, the floor, etc.  This was really the easiest paint
job I ever did and it was really simple. The best part was the clean-up!

All you need is a pan to pour small amounts of paint into and a sponge.
I was told that you can use just a regular household sponge, but I
splurged on the sea sponge since this was my first try and it was not
very expensive.  You can buy the sea sponge in the paint department of
Home Depot or Wal-Mart.  I cut mine in half since I wanted to go with a
smaller pattern.

First, wet your sponge and squeeze it out.  You don't want to get a lot
of paint on your sponge.  It should not be full of paint, just dab it in
the paint and then wipe off any excess on your pan.  If you have to quit
for awhile and then go back, wash your sponge out good and be sure to
wet it again before you start.

Start by dividing your wall.  I don't have a lot of wall space in my
kitchen so this part was easy.  But the idea is that you divide your
wall into four quadrants. Then start in your first quadrant.  Basically,
you just "dab" it on with your sponge.  How much?  It depends on how
much depth you want of the new color.  You should dab it in a criss
cross or X pattern.  Example, top left, bottom right, top right, bottom
left and just fill in so that it looks the way you want. Try less paint
at first pass, you can always add more if you think you need to fill in
the holes.

My husband was kind of leery of this paint project.  He tried to talk me
into trying it in the bathroom first.  (Less people would see it, if it
looked terrible, I guess).  I told him I was going to go for it.  If it
looked terrible, I could always go back and roll it on!  You should have
seen his face when he walked in the door.  He couldn't believe how great
it looked!  Now that I know how easy it is, I plan to do the bathroom
next, but I am going to try using two coordinating colors.

/////////////////////////////////////////////////////////

Joining our mall has never been so easy with the exciting...
Meet Me In The Middle Of The Mall Spring Fling Special! Get ready for
May showers by planting April flowers and GROW your business by joining
the Award Winning Mall Of Treasures!
For a limited time only.... just $14.99 per month.
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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
cmc@... and tell me what you would like to see!

See you next month!

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Or go to -- http://www.egroups.com/group/0nly4Homebuyers

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--
Creative Mortgage Co
http://www.creativemortgageco.com/
Want to learn more about your mortgage options?
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#20 From: Cindy Snyder <cmc@...>
Date: Sun Apr 16, 2000 1:09 am
Subject: 0nly4Homebuyers Issue 19 		cmc@...
Send Email Send Email
  
April 15, 2000

Welcome to 0nly4Homebuyers Issue XVIII
*******************************************************************
Are you getting a nice tax return?  Why not invest that money in a home
of your own? Creative Mortgage Company offers home loans for new
purchase, refinance, equity, home improvement or debt consolidation.
Give us a call at 1-877-355-9414 or use our online application form at
http://www.creativemortgageco.com/
**************************************************************
Your Ad could be here!  0nly4Homebuyers accepts paid advertisements!
send an emailto:cmc@.../ for rate information.
*************************************************************
In this Issue:
Why You Want a PreApproval(Not just a PreQualification)
Transform Your Bedroom into a Suite Retreat
Zero Coupon Bonds
Check out the Mall Offer!
***************************************************************

Why You Want a PreApproval
By Cindy Snyder
http://www.creativemortgageco.com/

Spring is in the air!  Bright bulbs are peeking through, getting ready
to burst into bloom.  The trees are getting their new growth. Children
are looking forward to school getting out.  We've jumped our clocks up
to daylight savings time. AND its prime househunting season!

What does this mean to you?  Well, if you are looking for your
dreamhouse, you better be prepared to buy it or lose it to someone who
can prove they are ready to buy.  In many areas of the country, it is a
seller's paradise!  Look at it this way, if you have a home to sell and
you have two prospective buyers.  The first buyer hasn't bothered to
check into his finances.  He hasn't been to the bank or mortgage company
yet.  Buyer #1 figures he will cross that bridge when he comes to it.

On the other hand, Buyer #2 has already been to the bank or mortgage
company to determine how much he can borrow, knows how much he needs to
put down and has a good idea of how much he will need for closing
costs.  In his hand, he is holding a CERTIFICATE stating that he is
PREAPPROVED for the amount needed to buy this house.

Now if you are the seller of this house.......which offer would you
accept?  Now remember, when an offer is made and you accept, you are
legally bound to the contract.  Sure you could have a backup offer, just
in case.  But Buyer #2 is probably going to go on about his business of
finding a home, since he is prepared to do so.  If Buyer #1 is not able
to obtaining financing, you are out of luck and must start over again.
Sellers, if you accept Buyer #1's contract, be sure to put a contingency
in the contract that he has so many days to obtain financing and be able
to prove it.

Buyers, get your preapproval ahead of time.  Be prepared to make an
offer.  Don't wait until the last minute only to find out that the home
you are looking for is just a tad bit out of your price range.  Maybe
you were not counting your son's car loan as part of your monthly debt,
but unless you can prove that your son is paying the payment.....it
counts against your debt to income and may put you over the top!  Many
Real Estate agents won't even show you houses these days unless you get
a preapproval.  They just don't want to waste their time showing houses
to people who can't buy!

A preapproval is just what the word implies.  You are actually
preapproved for a certain amount of money for a certain period of time,
usually 30-60 days.  This is not to be confused with a
prequalification.  With a preapproval, you actually APPLY for a loan.
We check your credit, verify your income, check to be sure that you have
the money necessary for the down payment.  Basically we do everything
except the appraisal on the house and the title search.  The great thing
about it is that when you find the home you want to buy, it is a quick
and easy process to close.  That is good for you as well as the seller!

Get your preapproval.  Carry it with you when speaking with prospective
sellers.  Show it to your Real Estate Agent if you are working with
one.  Be prepared to buy before you get out there.  Happy Househunting!

*************************************************************
Interested in some great books to help you learn more about Real Estate?
Personal Finances? Decorating that new home? Which plants will grow in
your area?  Click on this link to go to the Creative Bookstore.  You
will find a wealth of knowledge on just about everything under the sun!
http://www.vstore.com/vstorebooks/cmcbooks/

*************************************************************
Need a great source of CHILDREN'S BOOKS, MUSIC, VIDEO, GAMES,
EDUCATIONAL SOFTWARE?  Visit CreativeKidsBooks at
http://www.vstore.com/vstorebooks/cmckidsbooks/
FREE SHIPPING on all purchases thru April 30, 2000  Use this code at
checkout!  34181SHIP

*************************************************************
Transform your Bedroom into a Suite Retreat (ARA)

With today's hectic family schedules, the bedroom has become our haven
from the stresses of the day. The average person spends one-third of
their lives in bed. So decorate with care and choose furnishings that
surround you in comfort.

Begin with the bed. It's usually the focal point of the room so a small
change can have a big impact. Splurge on a set of lush linens.  One of
the most popular choices is cotton percale - the higher the thread count
the softer and smoother they will be. Top off luxury sheets with a
stylish duvet. Duvets are versatile and often easier to care for. Or,
pile on the pillows. Elegant accent pillows can transform an ordinary
looking bed into a centerpiece.

Mattress matters. Soft-as-silk sheets won't do you any good if you're
sleeping on a hard, lumpy mattress. A comfortable mattress is an
important, but often overlooked, part of creating a restful environment.
Look for a mattress that provides proper support. Can't decide on
firmness? One solution is sleeping on a mattress that adjusts. A Select
Comfort bed comes with a digital remote control that allows the firmness
level of each side of the bed to be adjusted independently - for
personalized comfort and support. Inside the Select Comfort bed,
"pillows" of air conform to your body reducing uncomfortable pressure
points ...making your bed an oasis of comfort. Improve your bedside
manner.

Give the top of your nightstand a makeover. Cast a critical eye at
clutter ... and rearrange your bedside table using a vase of fresh
flowers, scented candles and a decorative lamp. Add your favorite family
photos for a personal touch.

Floor decor. Add interest to your carpet or hardwood floors by adding
layers. Use a soft wool area rug angled next to the bed for a splash of
color and comfort. Other popular choices are sisal and seagrass. These
natural fiber rugs come in a variety of styles and sizes. Sisal floor
coverings are static free and do not attract dirt and dust particles.
Seagrass area rugs are a wonderful choice for a bedroom where the warm
hues of the grass will accent furniture beautifully.

Dress up your dresser. Group your favorite collectibles atop a dresser
for instant impact. Change the collection with the change of seasons and
the look won't become stale. In the winter, choose accessories that add
texture and warmth like wicker baskets or pottery. Come summer, sooth
your senses with pieces that have smooth, clean lines like glassware or
silver.

The key to creating your own relaxing retreat is a few, simple steps
away. So set the scene for a
more serene environment ... and get a better night's rest.

Courtesy of Article Resource Association, www.aracopy.com, e-mail:
info@...
***********************************************************
Zero Coupon Bonds
By Doris Dobkins
dorisd@...

Are you enjoying the ups and downs of the stock market these past
few days or does it make you a little nervous. Maybe you don't
mind the ups and downs so much with your play money, but what
about the important things like retirement funds or your
children's college education fund?

If you are looking for a "safe" way to put some money aside and
want to know exactly how much money you will have in a specific
number of years, try investing in zero-coupon bonds.  Zero coupon
bonds also pay slightly higher rates than traditional bonds, bank
CD's and money market accounts.  Many people like to invest in
the riskier type funds when they are younger and then as they get
closer to retirement and paying their children's education costs,
they tend to shift these higher risk investments into more stable
but lower yielding bonds.

If you know you will need a new car in five years or will be
making a final balloon payment on a vehicle or mortgage, zero-
coupon bonds are a great dependable alternative to "playing the
stock market".  You can also purchase zero-coupon bonds on a
regular basis, once or twice a year so that they will provide a
steady income as they come due in future years.

There are three basic kinds of bonds with some variations to
each.  They are: corporate, municipal and Treasury.  Bonds are
also known as debt investment.  Bonds are created when a
corporation, municipality, the U.S. government or an agency of
the government goes into debt to borrow money.  An entity then
sells what is known as a bond, and guarantees you a fixed rate of
interest for a specific period of time.  The interest is paid to
the investor on a regular basis, whether it is monthly, semi-
annually, or whatever the terms of the bond dictates.  Then when
the bond matures at the specified date, the issuer gives the
original amount of money back to the investor.

Zero coupon bonds have been one of the most popular bonds for the
last two decades.  They are different than other bonds because
the interest from the coupon rates is not paid out to the
investor but stays in the bond and earns interest at the same
coupon rate.  This is a great feature.  For example, if you
bought a bond with a coupon rate of nine percent nine years ago,
every time the bond paid you the nine percent interest payment it
is reinvested at that same higher rate of nine percent.  If
interest rates dropped, it might be difficult to find a fund
paying nine percent to reinvest the money into.  With a zero
coupon bond, you could continue to invest the interest at the
coupon rate throughout the life of the bond.

When you buy a regular corporate, municipal or Treasury bond, you
will pay full price for the bond (its face value), then receive
interest payments (which are also called its coupon) over the
life of the bond.  The number of payments per year depends on the
bond.  Most of them pay semiannually.  With the zero coupon bond,
you buy the bond at a discount from its face value but you don't
receive any payments (zero coupon).  The interest is reinvested
into the bond so you received the full face value of the bond at
maturity.  So a zero-coupon Treasury bond that pays you $10,000
in 10 years would cost about $5,500 today with a 6.2 percent
rate.

Some risks and things to watch out for with bonds:  If interest
rates rise and you sell your bond before it matures, you could
get less money than what you paid for it.  Also, corporations and
municipalities may default on their bonds, or not pay interest or
principal when it is due.  Another thing to be aware of with
bonds is what is known as the "call feature".  This is how
issuers of bonds protect themselves if the interest rates come
down after they issue a bond.  It allows them to cut their losses
by calling that particular bond in, paying off the investors and
then issuing a new bond at a lower interest rate.  So you would
have to find another bond to invest in at that time and it
probably won't pay as much as the previous bond.  Treasury bonds
seldom have this call feature but beware of it in municipal bonds
and corporate bonds.

Another thing to beware of is the fact that the interest on zero
coupon bonds is taxable and is considered current income even
though it is reinvested.  Two ways to avoid this is to purchase
your zero coupon bonds in your tax-deferred retirement account or
buy a tax-free municipal (Munis") zero coupon bond.  Municipal
Bonds are taken out with a state, county, or local agency.
Generally they are tax-free on the federal income tax level.  If
you buy a municipal bond from your state you can also avoid state
income tax.  The yield is usually lower compared to other bonds
because of the tax-free benefits. If you are in a higher tax
bracket, that may be an important benefit and factor in your
financial planning.

It is also a good idea to get insurance when you buy a zero
coupon bond since the interest is not being paid to you.  If the
bond defaulted, you would receive absolutely nothing without
insurance.

Bonds are an important part of every financial portfolio.  Take
some time to learn the fundamentals and then include them in your
financial plan.  Happy investing.

* * *
Doris S. Dobkins, is a money saving expert and author of the book
"Financial Freedom from A-Z". She is also the publisher of a
weekly online ezine $mart Money New$ full of financial strategies
and money saving tips. To subscribe, send an email to:
news@... or visit her web site today at:
http://www.creativefinances.com

/////////////////////////////////////////////////////////////

Joining our mall has never been so easy with the exciting...
Meet Me In The Middle Of The Mall Spring Fling Special! Get ready for
May showers by planting April flowers and GROW your business by joining
the Award Winning Mall Of Treasures.

For a limited time only.... just $9.99 per month.
We'll give you a 2 page design, 1 static banner, shopping cart
and a spotlight in our newsletter,  for one low price!
What are you waiting for?  Click here!
*********Award Winning Mall Of Treasures***********
http://www.awardwebsite.com/awardmall/


////////////////////////////////////////////////////////////

Please feel free to share this newsletter with your friends. If you have
a suggestion for an article, please email me directly at
cmc@... and tell me what you would like to see!

See you next month!

To subscribe--- mailto:0nly4Homebuyers-subscribe@egroups.com
To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@egroups.com
Or go to -- http://www.egroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing, please email
me directly cmc@.../

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#19 From: Cindy Snyder <cmc@...>
Date: Thu Mar 16, 2000 11:04 pm
Subject: 0nly4Homebuyers Issue 18 		cmc@...
Send Email Send Email
  
March 15, 2000

Welcome to 0nly4Homebuyers Issue XVIII
*******************************************************************
Are you getting a nice tax return?  Why not invest that money in a home
of your own? Creative Mortgage Company offers home loans for new
purchase, refinance, equity, home improvement or debt consolidation.
Give us a call at 1-877-355-9414 or use our online application form at
http://www.creativemortgageco.com/
**************************************************************
In this Issue:
TeleFile and Filing Taxes from your PC
Home Sales Profits and Tax Rules
Identity Theft- Protect your Identity
Top Ten Ways to Save on Gas
***************************************************************
Dear Readers,
Since it is so close to Tax Time, I thought it would be appropriate to
tell you about a couple different options available for filing your
taxes.  The articles below are very informative.

TeleFile: Your Easiest Way to File (IRS)

TeleFile, the IRS' file-by-phone option, offers many people the
quickest, easiest way to file a return. "TeleFile is easy. People who
use it, love it - they become our best ambassadors for the program,"
said Bob Barr, IRS e-file executive. Last year, 5.7 million people filed
their tax returns with a simple 10-minute phone call to the IRS. And why
not? It's fast, accurate, and TeleFilers get their refund faster. With a
touch-tone phone, TeleFilers enter interest income, any unemployment
compensation and the wages, tax withheld, and employer identification
number (EIN) from each W-2 Form. Those taking advantage of direct
deposit for a refund to be deposited directly into their bank account
and those choosing the direct debit option for the payment of tax due
also enter the required checking or savings account number. The call
takes about 10 minutes. TeleFile figures the adjusted gross income,
standard deduction, exemption, taxable income, tax, and earned income
tax credit, plus any refund or tax due while the taxpayer is on the
phone. A customer service number contained in the TeleFile package acts
as the taxpayer's signature. A confirmation number, before the call
ends, indicates that the IRS received the return.

Refunds arrive in half the time as with a paper return and any tax due
can be paid as late as April 17, 2000. The IRS sends a special
instruction booklet with easy step-by-step instructions to those who may
be able to use TeleFile. With this booklet and a touch-tone phone,
people can file their return at any time, 24 hours a day, 7 days a week.
Only those who receive the TeleFile booklet can use TeleFile, so it's
important to keep the booklet in a safe place. Most TeleFilers will find
all the instructions they need on pages 3 through 7. Just fill in the
tax record in the booklet, pick up a telephone, and call the toll-free
number listed in the booklet. It's completely paperless - there are no
forms to mail, and it's absolutely free. The TeleFile idea is expanding.
Twenty-six states and
the District of Columbia also offer their own TeleFile program that lets
residents file their state returns by phone. The IRS is in the second
year of a successful pilot program that allows taxpayers in Kentucky and
Indiana to TeleFile federal and state returns with one call. Next year,
Georgia and Oklahoma will join the program.

Courtesy of Article Resource Association, www.aracopy.com, e-mail:
info@aracopy.



Filing Taxes from Home Means Quicker Refunds (ARA)

The Internal Revenue Service offers a convenient filing option for
people who wish to prepare their tax returns using a personal computer.
With tax preparation software available commercially and with their
computer modems, people can file their taxes with IRS e-file. IRS
e-file, the IRS' electronic filing program, offers people increased ease
of filing and speedier delivery of refunds. And since e-filed returns
are more accurate, there's less chance people will hear from the IRS
about mistakes on their returns.

People can e-file from their PCs whether they expect a refund or owe
money. Last year, almost 2.5 million people filed their tax returns
using this option - a 160 percent increase over the number in 1998.
Those who use e-file will get their refunds in half the time as paper
filers, even faster when deposited directly into a bank account.
Individuals who owe money and use IRS e-file can choose to pay
electronically by authorizing a withdrawal from their bank account to
make the payment to the U.S. Treasury. This feature will let people file
early, have the peace of mind of knowing their returns have been
accepted by the IRS, and manage their finances and time without waiting
until the last minute to file and pay. Any amount due must be paid to
the U.S. Treasury by April 17. The IRS has worked to make this filing
option totally paperless.

People who filed last year using their PCs have the option of using an
e-file Customer Number similar to a personal identification number. This
will eliminate the need to send a paper signature document. To take
advantage of IRS e-file, people can complete their returns using tax
preparation software and send the information electronically via modem
to a transmitter, who will forward it directly to the IRS. The IRS sends
an acknowledgment that the return was accepted. Check the IRS Web site
at www.irs.gov to find out more about e-file.

Courtesy of Article Resource Association, www.aracopy.com, e-mail:
info@... Image:

***********************************************************
If it was already paid for, would you have used a lawyer in the last 12
months? What if you could say, "You'll Be Hearing From My Attorney"...
AND MEAN IT? You don't have to be wealthy any more to get access to
justice! Get top-rated lawyers nationwide to protect your legal rights.
Act now and get your will created or updated at no extra charge.
http://www.equaljusticeforall.com/scripts/index.cfm?Partner=10192&Code=cmc1
*************************************************************
Home Sale Profits (ARA)

In 1999, taxpayers overseas may need to consider current and past tax
provisions to determine the tax treatment of home sales. For sales prior
to May 7, 1997 (or, at the seller's option, prior to August 6, 1997):
People who sell their homes at a profit may usually postpone payment of
taxes on the profit if, within two years of the sale, they buy a new
home. This replacement home must cost at least as much as the sale
price, minus certain adjustments, of the old home. However, U.S.
taxpayers moving overseas to work may be able to extend the replacement
period while they are out of the United States.

To qualify, taxpayers must move overseas to work within two years of the
time their home was sold. The time frame for civilian U.S. taxpayers to
replace their home is suspended while they are out of the United States
but, overall, cannot be longer than four years from the date they sold
their old home.  Military personnel overseas may have up to eight years
to purchase and move into a new home in order to defer paying tax on the
gain from the sale of their old home. This extension also applies to
those military personnel living in base housing at a remote site after
being stationed overseas.

For sales after May 6, 1997: Taxpayers can generally exclude up to
$250,000 of gain ($500,000 if married filing a joint return) realized on
the sale or exchange of the home. The exclusion is allowed each time a
taxpayer sells or exchanges a principal residence, but generally not
more than once every two years. The home must have been used as the
taxpayer's principal residence for a  combined period of at least two
years out of the five years prior to the sale. The exclusion does not
apply to any gain resulting from depreciation allowable with respect to
rental or business use of the property after May 6, 1997. Nor does the
exclusion apply to expatriates who are treated under the law as having
lost U.S. citizenship to avoid taxes. Expatriates who have rented their
homes in the United States do not qualify for the deferment of gain on
the sale of a personal residence. They may qualify for the nontaxable
exchange of like kind properties; however, taxpayers should carefully
check to see if the situation meets the qualifications. These rules are
described in Publication 544, Sales and Other Dispositions of Assets.
IRS Publication 523, Selling Your Home, contains details on this
subject. It is available by writing to the IRS Area Distribution Center,
P.O. Box 85627, Richmond, VA 23285-5627, USA or from the IRS Web site at
www.irs.gov.

Courtesy of Article Resource Association, www.aracopy.com, e-mail:
info@...

*************************************************************
Your Ad could be here!  0nly4Homebuyers accepts paid advertisements!
send an emailto:cmc@.../ for rate information.
*************************************************************
IDENTITY THEFT
  by Tom Koziol (c) 2000

Believe it or not, someone wants to be you. Not for the rest
of their life but only long enough to use your credit cards,
bank account and anything else you may have of value for
their own personal benefit.

They become you by stealing your identity. Although stealing
someone's identity isn't new (read your Bible),it seems it
has risen to new heights.

Identity theft occurs when someone steals your name,
address, credit card numbers and/or Social Security number
and use this information to open new charge accounts, order
merchandise, borrow money and obtain goods and services
posing as you.

The unfortunate reality is consumers targeted by identity
thieves usually do not know they have been victims until the
crooks fail to pay the bills or repay the loans, and
collection agencies begin dunning the consumer for payment
of accounts they didn't even know they had.

Every major newspaper, magazine and newsletter, both on and
off line, have done stories about this problem. However, it
doesn't hurt to raise the issue to the forefront one more
time. You just can't get too much information when it comes
to scams, frauds and ripoffs.

"When someone hijacks a consumer's identity, it can be a
nightmare," said Jodie Bernstein, Director of the FTC's
Bureau of Consumer Protection.  The Director summarized the
situation in one short sentence.

Imagine waking up one morning and discovering someone else
is you but you know they aren't you because you are you.
Confusing? Not to the merchants, banks, loan and finance
companies that extended credit or gave money to the "not"
you. They believed the "not" you was you since the "not "
you had the proper ID to prove (s)he was you.

Welcome to Nightmare Village. Unraveling this spider web of
deceit, lies and theft can take years with the "real" you
suffering tremendous damage. While all identity theft cannot
be stopped, consumers can take certain precautions to lessen
the chances of it happening to them.

For example, calling the FTC at this toll-free number,
1-877-IDTHEFT (877-438-4338) will accomplish two things.
One, victims of identity theft can report the crime to the
FTC and two, at the same time receive advice from telephone
counselors trained to provide assistance to ID theft
victims.

For those savvy on using the Internet, an online consumer
complaint form is located at www.consumer.gov/idtheft ID
theft victims can enter their complaint data directly into
the FTC's secure database from that site.

I am not advocating that you use only the FTC to solve your
problem. Heck, it is a government agency and government
agencies are notoriously slow in helping anyone but
themselves. However, before I wrote this article, I visited
their site and found not only the above information but also
that the site provides links to numerous consumer education
materials, as well as state laws governing ID theft,
articles and reports.

The FTC also provides a 21-page booklet that addresses
identity theft and is available at www.consumer.gov/idtheft

The FTC isn't the only consumer champion in the universe.
The American Association of Retired Persons, Kiwanis, Elks,
newspapers, television stations, your local District
Attorney, sheriff and police force all provide information
and/or direct help to victims.

Use your favorite search engine to find other agencies and
groups providing help and assistance. The Internet is one of
the best resources in the world because it gives instant
feedback. The moment you become aware you have been stolen,
contact your local authorities and start surfing.

Hopefully the following guidelines will prevent you from
becoming a victim. They are common sense actions but are
worth repeating if for no other reason than to keep them
foresquare in our minds when divulging sensitive personal
information.

1.  Be careful about giving out personal information such as
social security number, date of birth, mother's maiden name,
etc., to someone over the phone (or the Internet) when you
haven't initiated the transaction. Never ever give it to
someone who contacts you out of the clear blue trying to
sell you a product or service.

2.  Don't carry your Social Security card (or your
children's SSNs) in your wallet or anywhere on your person
or in your car. Take the time to memorize these numbers.

3. Put passwords on credit card and bank accounts, to make
it harder for an ID thief to make changes to, or "takeover,"
your account. One of the most common passwords is your
mother's maiden name. Identity thieves know this so select
another word.

4. Order your credit reports once a year from each of the
three national credit bureaus. They charge about $10 but the
$30 you spend could save you a lifetime of grief and
expense.  You can order the three  reports from:
http://www.icreditinfo.com/cgi-bin/RATS.cgi?21641   You can
also subscribe to a service on this site that will tell you
if someone has applied for credit in your name.

5.  Should you discover your identity has been stolen, call
the fraud departments of all three credit bureaus and tell
them to put a "fraud alert" on your file. This tells
creditors to call you before they open any more accounts in
your name.

6.  Ask for a copy of your credit report, and ask the credit
bureau to remove any fraudulent or incorrect information.

7.  Contact the credit grantors involved - e.g., the bank or
credit card issuers who opened the fraudulent account or
permitted access to your existing account.  Immediately
close all affected accounts. Yes, this is a pain in the
posterior but if you don't do it, you may be giving tacit
agreement that it was you who opened the account.

8.  Contact your local police, and ask to file a report.
This benefits you in two ways. One the police are now on
alert someone has committed a crime and two, having a police
report can help you in clearing up your credit records later
on. This is important.

Like I said at the top of this article, these precautions
won't stop a determined crook but it will make it harder for
him/her to succeed and may just save you a ton of hassle and
tribulation. Forewarned is forearmed someone once said.
Consider yourself forewarned.

Tom Koziol has over 30 years in the financial arena as a real estate
broker, stock broker, columnist (2 papers), radio talk show
host, seminar producer and host, public speaker, and now
full time Internet publisher and Associate Program creator. FREE
newsletter subscription at http://www.cashclique.com/page4.htm
*******************************************************
TOP TEN LIST TO BETTER GAS MILEAGE
By Doris Dobkins
dorisd@...

What kind of gas mileage do you get with your vehicle? Did you
know that there are a few simple things that you can do to
increase your fuel mileage?  Each one may only give you a little
improvement but if you do all of them, you can increase your gas
savings significantly - maybe by even as much as $500 a year.

So here they are!

#1.  The first thing you should do is watch your speed.  Your
traveling speed has a large affect on your fuel consumption.
"Traveling at 65 mph (105kph) instead of 55 mph (88 kps) can use
up to 17% more fuel."

#2.  Use cruise control whenever you can, especially on highways.
By maintaining a steady speed, you will improve your gas mileage.

#3.  Check your tires on a regular basis and keep them properly
inflated.  If they under-inflated, it can shorten the life of
your tires as well as reduce your mileage (up to 4% for every 5
pounds it is under-inflated).  Be careful not to over inflate
your tires where you will get premature and uneven tire wear and
have to replace them much sooner.

#4.  Clean out your back seat and trunk by removing unnecessary
items from the car.  All the extra weight reduces your mileage.

#5.  Do you ever stop for more than 60 seconds while your engine
is idling?  If so, turn it off.  It takes more fuel to idle
longer than a minute than for you to start your car.

#6.  The next time you are in the market for tires, consider
radial tires.  They can cut your fuel bill by 2-3%.

#7.  Use your air conditioner as sparingly as possible, because
your engine uses extra energy to power the air conditioner
compressor.  Fuel consumption can be increased by up to 10% on
the highway and up to 15% in the city when you don't use your air
conditioner.

#8.  Also, avoid driving with an open sunroof or windows at
highway speeds because it increases aerodynamic drag and uses
additional fuel.  It is best to use your air vents to provide
fresh air inside the car.

#9.  Have you check your filters and catalytic converters
recently?  They should be kept clean.  Dirty filters increase
fuel consumption by as much as 10%.

#10.  Use premium multi-grade oils to save on your fuel
consumption and be sure to change your oil every 3,000 miles.

*** So, for the sake of the environment AND your pocket book,
take a moment to assess your vehicle for optimum gas mileage.

Doris Dobkins is a money saving expert and the publisher of a FREE
weekly
newsletter called
$MART Money New$.  To subscribe, send email
to:  news@...  or check
out the Creative Finances web site at  http://www.creativefinances.com
       It's full of great money saving tips and financial strategies.

/////////////////////////////////////////////////////////////

Please feel free to share this newsletter with your friends. If you have
a suggestion for an article, please email me directly at
cmc@... and tell me what you would like to see!

See you next month!

To subscribe send an email to: 0nly4Homebuyers-subscribe@onelist.com

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#18 From: Cindy Snyder <cmc@...>
Date: Wed Feb 16, 2000 12:22 am
Subject: Issue XVII 0nly4Homebuyers 		cmc@...
Send Email Send Email
  
February 15, 2000

Welcome to 0nly4Homebuyers Issue XVII
***********************************************************************
Got the Post-Holiday bills yet?  Get a debt consolidation loan and pay
off that high credit card debt!  Creative Mortgage Company offers home
loans for new purchase, refinance, equity, home improvement or debt
consolidation.  Give us a call at  1-877-355-9414 or use our online
application form at http://www.creativemortgageco.com/
***********************************************************************
In this Issue:
Less than Perfect Credit
Equity Loans
***********************************************************************
Less than Perfect Credit

When you go to get a mortgage loan, your past credit history is what
determines how good an interest rate you get and how much you will need
to put down in order to get the loan.  The lower your credit risk, the
lower your rate and the down payment needed.  Below are three items that
all lenders look for when determining how “creditworthy” you are.

1. Revolving Credit (ie..credit cards)  You can not have any 60 day late
payments and no more than two 30 day late payments on your report in
order to be considered “A” credit.
2. Installment Loans (ie..car payments, personal loans)  You can not
have any 60 day lates and no more than one 30 day late payments in order
to be considered “A” credit.
3. Housing Loans  You can not have any lates if you are to be considered
“A” credit.

But, many people are in a situation quite different from the above
criteria.  Take heart.  There may be a loan out there for you too.
However, you should expect to pay more for your down payment and expect
to pay a higher interest rate.  If you have any 60 or 90 day lates on
your credit record, you should consider a sub-prime lender.  Sub-prime
simply means that they work with people with “less than perfect” credit.

All lenders judge you based on your character (willingness to pay,
capacity (ability to pay) and collateral (value of the property). But,
different lenders have different criteria that they look for.  One
lender may require a credit score of 680 to even talk to you, whereas
another will work with someone who has a 580.

Remember, the lower your credit score, the worse you will be considered
as a credit risk.  These days, everyone is pulling a credit report.  I
recently decided to shop around for auto insurance and found out that I
couldn’t get a quote unless they pulled my credit!  Imagine if I had
gotten a quote from five or six different companies.  Each one would
have pulled my credit file!!  Guard your social security number and your
credit.  Do not let anyone pull your credit unless it is absolutely
necessary.  Every time your report is pulled, an inquiry is put on your
record and your score goes down.

**********************************************************************
If it was already paid for, would you have used a lawyer in the last 12
months? What if you could say, "You'll Be Hearing From My Attorney"...
AND MEAN IT? You don't have to be wealthy any more to get access to
justice! Get top-rated lawyers nationwide to protect your legal rights.
Act now and get your will created or updated at no extra charge.
http://www.equaljusticeforall.com/scripts/index.cfm?Partner=10192&Code=cmc1
**********************************************************************
Equity Loans
The majority of people getting Home Equity loans get them for the
purposes of Debt Consolidation.  Other purposes include Home
Improvement, Medical Expenses and College Education, as well as, Big
Ticket items like cars and boats.

A word of caution about consolidating debt with a Home Equity loan.  If
you have racked up your credit cards, take action to insure that you
don’t do it all over again.  Burn those cards!  Cut them up!  Keep just
one and don’t carry it with you, so you won’t be tempted to spend money
you don’t have.  Someone I know suggested putting it in a big plastic
bowl of water and freezing it.  Whatever you do, if you aren’t careful,
you can easily be back in the same situation as before.  Only now you
are paying for the Equity loan too.

An Equity Loan for Home Improvements can be a great idea.  Consider
this.  You can make your home more comfortable and possibly increase the
market value too.  This makes a equity loan for home improvements a good
deal. A word of caution here though.  Updating kitchens and baths will
raise the value more than any other type of improvements.  I know you
really want that inground swimming pool, but don’t expect the value of
your home to go up accordingly with what you spent on the pool.  It can
even be a deterrent to selling the house in future.  Not everyone wants
a pool.

College educations are very expensive these days and many people will
take out an equity loan to finance their child’s higher education.
Before you do this, try for scholarships or government backed student
loans first.  Many times the government backed loans carry a low
interest rate.  Lower than you can get on an equity loan.

Big Ticket items like cars and boats are other uses for your homes
equity.  If you figure that you will probably get a lower rate on an
equity loan plus you can deduct the interest from your taxes……it can be
a good deal.

Whatever you decide to use your equity for, use caution.  Remember that
you are putting your home up as collateral.  A job loss or extended
illness could cause you to lose your home!

***********************************************************************
Your Ad could be here!  0nly4Homebuyers accepts paid advertisements!
send an emailto:cmc@.../ for rate information.
***********************************************************************

Please feel free to share this newsletter with your friends.  See you
next month. Wishing you a Wonderful New Year!

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#17 From: Cindy Snyder <csnyder1@xxxxxxxx.xx.xxxx
Date: Sun Jan 16, 2000 11:43 pm
Subject: 0nly4Homebuyers Issue XVI 		csnyder1@xxxxxxxx.xx.xxxx
Send Email Send Email
  
January 15, 2000

Welcome to 0nly4Homebuyers Issue XVI!  Happy New Year!
***********************************************************************
Got the Post-Holiday bills yet?  Get a debt consolidation loan and pay
off that high credit card debt!  Creative Mortgage Company offers home
loans for new purchase, refinance, equity, home improvement or debt
consolidation.  Give us a call at  1-877-355-9414 or use our online
application form at http://www.creativemortgageco.com/
***********************************************************************In
this Issue:
Eleven Powerful Ways to Expand Your Life
Why Now is the Time to Buy!
What is Mortgage Escrow?
Places to Visit and Learn
***********************************************************************
Dear Readers,
Since this is the first issue of the new year, I thought this article
would be appropriate to start the new year off.  I hope you enjoy it!

Eleven Powerful Ways to Expand Your Life This Year
by Jim Cathcart

1. Define your future.  Describe the life you'd like to live.  The
future you see defines the person you'll need to be.  Identify the
traits and qualities you'd like to acquire.  Think bigger than
yourself.  An acorn that only thinks as an acorn will never become a
mighty oak.  Stretch yourself.  You are undoubtedly capable of more than
you ever dreamed is possible for you.

2. Become the person who would achieve your goals.  As you develop the
skills, knowledge, relationships and demeanor of the "future you," your
goals will be the natural by-product of your growth.  Spend an extra
hour each day in the study of your chosen field.

3. Give more than you must.  Nothing advances until somebody does more
than they are paid to do.  Always deliver more value than others
expect.  Don't require others to acknowledge your generosity.  Give with
"class."

4. Make time for what you love.  If you don't live fully, you deny the
world your potential contributions.  Your "play" sometimes contributes
as much as your "work".  What you love reveals the value you bring to
the world.

5. Refine your Inner Circle.  We define ourselves through our key
relationships.  Explore the mix and depth of those with whom you spend
your time.  Release those who limit you and conect with those who can
help you live more fully.

6. Resolve your unfinished business.  Either deal with it or discard it.
Say your apologies, face your fears, pay your debts, express your
gratitude and get on with living.  Don't let yesterday drain value from
today and tomorrow.  Break out of the limited world of your past and
start to grow.

7. Rethink existing habits and routines.  Describe your typical day and
then reconsider every aspect of it.  Change or expand the places you go,
people you see, things you do and the time you devote to each.  Try new
things.  Learn a new language, go someplace different, do some things
you'd typically pass by.  Find out what your possiblities really are.

8. Lighten up.  Stop stressing over things that only matter to you
emotionally.  When life isn't fair to you, get over it quickly.  Take
your misfortunes as "course corrections" rather than "catastrophes."
Let go so you can grow.

9. Tighten up.  Sloppiness in life allows more variables to creep in and
spoil your plans.  Stay on target, increase your self-discipline, master
the art of self-motivation.  Sometimes details matter a lot.

10. Profile yourself.  Keep a journal of your goals, concerns, fears and
dreams.  Review it at least once a year.  Look for patterns that reveal
your core values, natural velocity, natural intellegences and recurring
situations.  Realize how life ebbs and flows for you.  Notice the
natural cycles of life.  Know yourself.

11. Invest in yourself.  Set aside a portion of each year's income to
acquire new tools and teachers to increase your potential.  Refine your
systems, get expert coaching, attend special conferences, cultivate a
study group, appoint a board of advisors.  You are your only true
asset.  Send part of today ahead to the person you will be in the
future.

©1999 Jim Cathcart, La Jolla, CA
This article is excerpted from Cathcart's The Acorn Principle- Know
Yourself, Grow Yourself. With 21 years experience, La Jolla, CA-based
Jim Cathcart, CSP, CPAE is recognized as one of the worlds' best
speakers. As a psychological researcher and business consultant he has
helped organizations grow their sales and improve their performance in
virtually every type of industry. He is the author of Relationship
Selling(the key to getting and keeping customers), newly published The
Acorn Principle (discover, explore and grow the seeds of your greatest
potential), and many other powerful learning tools. His works are
published by the world's top publishers: Putnam-Berkeley, Prentice Hall,
and Nightingale Conant. For a free laminated reminder card with 11 Ways
to Grow Your Business and Expand Your Life contact the Cathcart
Institute (800-222-4883)www.cathcart.com email info@...
**********************************************************************
If it was already paid for, would you have used a lawyer in the last 12
months? What if you could say, "You'll Be Hearing From My Attorney"...
AND MEAN IT? You don't have to be wealthy any more to get access to
justice! Get top-rated lawyers nationwide to protect your legal rights.
Act now and get your will created or updated at no extra charge.
http://www.equaljusticeforall.com/scripts/index.cfm?Partner=10192&Code=cmc1

**********************************************************************

Why Now is the Time to Buy

According to real estate experts, now is the time for buyers to pounce!
Why?  During the Holiday season everyone is busy with parties and
shopping and all the holiday hulabaloo and homes are not being listed at
the same rate as usual.  Between December and February, homes on the
market are not getting the traffic they would at other "hotter" times of
year.  Sellers are getting antsy!  This is the time to get a bargain!

The home buyer season is traditionally, spring and summer.  Real Estate
Agents are experiencing a slow time as well and may work harder for
you.  Many people want to wait until the end of the school year if they
have children and besides, it's cold out there!  Who wants to move in
January?  You do!  People who sell at this time of year really need to
sell.  They don't want to wait or can't wait for spring.  Sellers that
need to sell are ready to make you a great deal.

Buyers can benefit from the decline in activity in more ways than one.
You may also be able to save a few bucks on the cost of the mortgage
because brokers and lenders have less traffic at this time of year. They
may be willing to give you a discounted origination fee in order to get
your business.
***********************************************************************
Your Ad could be here!  0nly4Homebuyers accepts paid advertisements!
send an emailto:cmc@.../ for rate information.
***********************************************************************
What is Mortgage Escrow?

Escrow accounts help borrowers accumulate money for property taxes and
homeowners' insurance premiums.  Escrow can help you avoid financial
surprises like your yearly Property Tax bill. Imagine going to the
mailbox and pulling out a tax bill for $1500 or $2000 due by the end of
the month! This could cause significant hardship for some people.

Here is how it works if your mortgage company handles your escrow
account.  Each month when you make your mortage payment you also pay
1/12th of your yearly homeowner's insurance premium and 1/12th of your
yearly Property Tax.  The mortgage company holds the money for you in a
special account and pays the bills when they come due.

At the end of each year, you should receive a statement from the
mortgage company detailing how much was entered into escrow, how much
was paid out and how much you have left over.  This is also the time to
make adjustments for shortage or overage.  So if you see a decrease or
more likely, an increase of a few dollars in your mortgage payment, that
is usually why.  Your insurance or taxes (or both) have probably
increased.  If so, your escrow will be adjusted to reflect the new
amount needed.

Homeowners have an obligation to keep an eye on their escrow accounts.
After all it is your money!  If your loan is sold to a different lender
for example, you want to make sure that your escrow balance transferred
along with the mortgage.  If you refinance, the old lender usually
closes the escrow account and either reduces the amount it gets at
closing or refunds the borrower by check.  The old company should
provide you with a short year analysis of the account, up to that point.

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Places to Visit and Learn
Here is a great story  on the new rules about mortgage limits
http://www.bankrate.com/dls/story_home.asp?web=dls&story=news/mtg/19991216&prodt\
ype=mtg

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It is tax time again.  I found this site called intelligent taxes.  They
have some great information!! You can look up tax information by State
and even download forms for filing both State and Federal taxes.  Also
info on Sales Tax and Property tax info by State.
http://www.intelligenttaxes.com/itax/default.asp
**********************************************************************
Please feel free to share this newsletter with your friends.  See you
next month. Wishing you a Wonderful New Year!

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