What does TLC really mean when used in Real Estate

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If you’ve ever spent some time on sites like Realtor.com or Zillow.com you’ve probably come across a house listing or two that states, the property needs some “TLC”. We aren’t talking about the all women rap group or a TV station, but Tender, Loving, Care. In other words, the property needs some repairs. How much work is needed? Well, there’s no definitive answer, but it could be a lot. Most homes that state they need TLC, or a little elbow grease typically need more than just a coat of paint or new carpeting.

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What Type of Mortgage is right for you?

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When it comes to buying a home, most people  know there are a few different mortgage options to choose from, but many don’t understand that there are actually quite a few options that vary depending on your situation. Once you’ve taken care of the homework – setting a budget, figuring out a down payment, and reviewing your credit, you’ll have a better idea of what loan works best for your needs.

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Identifying Phishers, Scammers and the “Alleged Debt Collectors”

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Hackers and scammers have honed their craft to the level that even the savviest become victims.  From spoofed email accounts from well-known banks and credit card institutions alerting individuals their account has been compromised to robo-phone dialers with local numbers who appear to know quite a bit about you – the situation with ID theft and social engineering is only going to get worse.

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Flipping a house is nothing like HGTV

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Flipping houses sounds like such a fun and profitable way to make money. You find a diamond in the rough for a great price, spend a few weeks to a few months updating, upgrading, and making the home look fresh and new, and then turn around and sell it for a tidy profit. Sounds simple, right?

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How to lower your closing costs – what you can and can’t control

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When it comes to purchasing a home, closing costs are just part of the process. If you’ve purchased a home before, you know that transferring a property and obtaining a loan can be complex. Not only is it a lot of paperwork, but it requires help from numerous different sources and unfortunately for the home buyer, they don’t do that work for free.

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Making the transition from recent college grad to full time employee

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Being a new graduate is an exciting time. You have accomplished a huge goal by earning your diploma and are ready to start the next chapter. Transitioning from student to full time employee is not always easy so here are some tips to help you navigate the process:

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Foreclosure sales – how do they work?

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When it comes to house hunting, you are bound to come across a foreclosure sale or two. It can be a great way to score a good deal on the home of your dreams, but it’s important to know how the process works.

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Credit Card Churning: What is it and Should You be Doing it

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The term credit card churning is relatively new, but the process has been around for years. So, what is credit card churning? It’s the practice of repeatedly opening and closing a credit card to earn its signup bonus over and over. Churners amass tons of reward points or airline miles from credit cards that they have no intention of continuing to use or even keep open. You’ve probably seen ads or even received offers in your email or mailbox from credit cards that offer valuable points, miles, or cash back to new account holders. Most also require you to charge a certain amount of money to the card within a certain period in order to receive the new card bonus.

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Advice from Millennials on How to Buy a House in Your 20s

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If you’ve been paying attention to the real estate trends, you may have heard the Millennials just aren’t buying homes at the same rate as their previous generations. Aside from the simple fact that it’s just not affordable for most, many site reasons like high student debt and low loan availability. Studies show that only 37% of millennials owned homes in 2015 – that’s 8% lower than Gen Xers and Baby Boomers at the same age.

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