Tuesday, May 3, 2011

Mortgage and Loans - Mortgage Refinance, Home Loans

Mortgage and Loans - Mortgage Refinance, Home Loans

Renters Insurance: Why a Policy Is Essential

Posted: 03 May 2011 02:23 AM PDT

Homeowners understand the need for insurance, but the percentage of people with renters insurance still remains relatively low. The hardest part about getting a policy is convincing people they need one. (Aug. 27)

What to do when no private insurance accepts you and ASCAP Musician insurance isn't comprehensive?

Posted: 02 May 2011 02:36 PM PDT

How to get health insurance when you’re self-employed musician but suffered years of depressions and anxiety before? It seems no private comprehensive insurance will accept me and the rare ones are extremely expensive. What do people do? You can’t lie about your past illness in past years or it could come back t haunt you.

I saw ASCAP offered a limited insurance but what do you do?

Medvedev Dance – Russian President Dance Moves

Posted: 02 May 2011 02:22 PM PDT

Mortgage market and interest rate commentary for Tuesday May 25, 2010

Posted: 02 May 2011 10:20 AM PDT

Mortgage market and interest rate commentary from Bruce Brown, CMPS with Pulaski Bank Home Lending and radio host of Dollars and Homes on KCMO Talk Radio 710 in Kansas City.

Need Advice On Renting An Apartment?

Posted: 02 May 2011 09:14 AM PDT

With house prices being high enough to price most young people out of the market, renting an apartment is more popular now than ever before. You will be pleased to hear that the rental process is a relatively simple one, but there are some things to be aware of…

Privately owned or property company? – There are pros and cons to renting from either a private landlord or a property management company but, for the most part, you are better off dealing with the latter. The reason being that you are more likely to get a better quality of service, as property management companies have a reputation to build and maintain, whereas as private landlords do not.

Cost – It may sound like an obvious point, but you should never go over your budget. The question is though, how do you know how much you can afford? Well, a good rule of thumb is that you should not be paying more than a third of your gross income. So, if you make $3,000 per month before taxes, you should not rent somewhere that costs more than $1,000.

Your lease – When renting an apartment, you will need to sign a lease agreement, which is a legal document that states the terms and conditions that you and the landlord must adhere to. Your lease will probably be at least a few pages long, but you must read all of it. If any problems arise later on, you will be bound by whatever is stated in the lease, and saying that you did not read / understand parts of it is no defense.

Checking for damage – On the day that you move into your new rented apartment, be sure to go around each room and to check for any damage caused by the previous tenant(s). Ideally, you want your landlord to be present when you do this. If you find anything is wrong, such as a water spots on the ceiling, cracked windows, stains on carpets, etc., then you need to make it absolutely clear to your landlord that you will not held to accountable for those problems when you leave.

Bills – Check which, if any, utilities are included as part of your monthly rent. Sometimes landlords will pay the water and heating bills for you, and sometimes they will not. This is something that you should find out before signing a contract, so that you can accurately estimate your monthly budget. It is better to pay for utilities yourself if you have the option, as then the landlord cannot mark-up the price to boost their own profits.

Read On : views-and-news.co.uk Or wethinkahead.com

Posted by Blogku at 7:34 AM

No comments:

Post a Comment

Subscribe to: Post Comments (Atom)