Working Abroad - Employment Advice In Spain
Jobs and employment on the Costa BlancaThe Council of Europe regulations forced Spain to end all restrictions on the free circulation of European Union workers as of January 1st, 1992 - which means that all EU citizens can work in Spain under the same conditions as Spaniards complete with ... more...

Working With Your Real Estate Attorney
Purchasing or selling a home will probably be one of your largest and most important financial transactions. Before signing a contract to purchase or sell a home, both buyer and seller should consult an attorney to assure that the real estate transaction will be handled legally and professionally ... more...

The Right Time to Buy A Home
There are many real estate market forecasts and predictions available - however the bottom line is that if you want to buy your first home-there is no wrong time. This is because the motivation to buy is not determined by regional market conditions or by location, but rather by your personal needs ... more...

Construction Loan Basics
It might not be too big of an exaggeration to say that the construction loan is one of the more daunting aspects of building your custom home. Before we started our project, I had nightmares about trying to pay two full mortgages at the same time (our existing mortgage and the construction loan), ... more...

Understanding Real Estate Terminology
Purchasing a home can be a complicated and confusing process, especially for first-time buyers. Throughout the process, first-time home buyers will encounter a variety of unfamiliar real state terms. There are several key terms associates with purchasing real estate that are helpful to learn.For ... more...

Your Closing Date-Who Chooses?
If you have found the house that is right for you and your family and you are making an offer you will have to sign a sales agreement. This agreement is a contract and in this contract you will have any stipulations to the sale. There will be certain things that will have to be done before escrow ... more...

Stop Foreclosure: Protect Your Credit and Keep Your Home
John lost his manufacturing job six months ago in a round of mass layoffs, and he's been unable to find consistent work since. He and his wife had little in savings, and with every day that passes they're getting further and further behind on their bills.Two months ago today, Mary's husband walked ... more...

Foreclosure
Foreclosure under a mortgage requires a court ordered sale conducted by the sheriff or other court-appointed official. Foreclosure process is called judicial foreclosure. In the event of default, the mortgage accelerates the due date of the dead to the present and notifies the defaulted debtor to ... more...

How to Make a Purchase Offer on a Home for Sale by Owner
Many home buyers want to purchase a home directly from the seller to cut out the middle man, but when it comes time to make a formal offer it is often the case that neither buyer or seller knows what to do. Without the aid of a professional real estate agent, making an offer to buy a home that is ... more...

Be Prepared With Your Home Equity Loan Checklist
A home equity loan can be an excellent way to obtain money in order to pay off high interest bills or consolidate your current debt into one monthly payment. A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because the home is likely to be a ... more...

Loan Officer Marketing: Content Strategies for Keeping in Touch
So youve just returned to your office from a successful meeting with a Realtor. At the end of it they expressed optimism in your services, and told you some famous last words, Ill be sure to send you my next deala week goes by, no dealtwo weeks go by, no deala month later, still no deal.To make ... more...

Iron Mike and Boxing KOed
Sometimes, athletes can be extremely annoying to the average fan. It gets to the point that their freakish nature becomes more intriguing than watching them compete. Take the following pathetic account, for example.Iron Mike Tyson . Let that name resonate for just one moment. In the mid 1980s ... more...

10 Frequently Asked Short Sale Questions
1. What happens to the seller's credit rating when they allow an investor to short sell their property?What typically happens is the loan will show up as "paid" on their credit report; however there will be a notation that says "settled for less than originally owed" or something along these lines. ... more...

A Fathers Dilemma: Can We Help Our Children, Without Crippling Them?
Breakdown in the Becky Lane!I'd just sat down at my office away from home, the local Panera, when another regular customer, Harold, sidled up to my table. We'd chatted a number of times before, and he was intrigued by my title of Financial Sanity Coach and knew I had been working on my book, "Good ... more...

Loan Basics
There is more than one type of loan. Depending upon your situation, you might find that what works in one circumstance does not work in another. This means that it is very important for you to educate yourself about different kinds of loans so that you are more prepared when you speak with a ... more...