You need to have a serious financial evaluation and find out why you’re living paycheck to paycheck. Go to a financial adviser and be ready to tighten your spending belt.

If you’re just looking to revitalize your life… consider taking one of your interests and expanding on it, either in a volunteer job or as a part-time, low-pay job. What I mean is look to fulfill yourself on another level rather than strictly through cash.

If you’re serious about changing jobs, you’ll probably need to go back to school (even if it’s just for certifications) and be prepared to start over in a new career field. As to what to study… at 34, you can probably give some great advice to an 18-year-old who’s just entering college… think about what you would advise to someone else and go for it.

Good luck!

HOME SELLERS

Don’t pay 6% – 5% – 4% commission to sell your home.

At —————-Realty we offer Full Service including MLS listing for 3.5%.

I know this realtor has sold several homes in my area. Is this really a good deal or are there hidden charges?

Normally commissions are split between the buyer’s and seller’s agents. The usual split is 50/50. If this discount real estate agent accepts 3.5% then that means that the buyer’s agent will get 1.75% or half of the commission. Most agents I know will not show a house that offers less than 2.5% and in this market you want every person you can to see your home. If he wants to take 1% and offers 2.5% to the buyer’s agent it might work. Remember, you get what you pay for and most REALTORS® work very hard for their commissions and they are worth every penny.

Here is an example of what I am looking at :
http://www.foreclosure.com/search.html?ci=placentia&st=&cno=&z=&tab=t

I think that means you’ll have to pay the back taxes when you buy it, for whatever price that may be.

#1 If the lender completed foreclosure procedure, the sale is complete, no successful bid was accepted on the property, the lender became the owner of the property all legal work is done giving title to the lender, the lender will now place the completed foreclosed property on the market for sale through a local real estate brokerage firm.

You may contact any real estate agent and see if they are the ones with a contract to sell foreclosures for a lender.

#2 If you are speaking of getting a foreclosure after the lender has recorded the Notice of Default but not the Notice of Sale.

A. These are listed in your local papers, perhaps not all but a few that your local newspaper has decided to print as a matter of public service.

B. You may subscribe to a service that list these foreclosures. They sell the foreclosure list in print form as well as a lot of them are listed on the Internet. These services normally list the foreclosures as they are listed each week from the county recorders office.

C. They are listed at the county court recorders office and are available for the public to see at anytime the recorders office is open to the public. Call for their business hours. They will assist you in compiling a list.

#3. If you are looking for pre-foreclosures. That is the borrower has not made his/her monthly payments for awhile, but the lender has not yet recorded a notice of default with the county court recorders office.

A. You may place an ad in the local paper telling of your service and desire to purchase houses of those that are behind in their monthly payment.

B. You may work a certain area of your city advertising your services and indicating that you are in the business of helping those that are behind in their mortgage payments.

In #2 and 3 you will be dealing with the home owners, therefore you must have the necessary skills to make and enter into a contract of sale, finding and opening an escrow or closing agent to include finding a title company, finding a mortgage broker to get the necessary mortgage to finance the property you are buying.

Though the process is simple if you contact a mortgage broker for financing, he/she will point you in the right direction to close your transaction and help with getting the other professionals needed to help in closing your transaction.

I hope this has been of some use to you, good luck.

"FIGHT ON"

barter
oral history
written records
trade routes

2: Spain decided to back Columbus’ voyage to the west in the hopes that it would
help to finally defeat the Muslims
make Columbus rich and famous
give Spain a trading advantage over Portugal
bring an end to feudalism in Europe

3: Which of the following best describes the Northwest Passage?
John Cabot’s sailing across the Atlantic Ocean from England
Ferdinand Magellan’s circumnavigating the globe
water route across North America
the Puritan’s route from England to Massachusetts

4: English explorers like Cabot, Frobisher, and Hudson were searching for
the seven golden cities
the Great Migration
a Northwest Passage
a land route to California

5: The Virginia colony survived largely because the English colonists
were well cared for by the Virginia Company
developed lasting friendships with Native Americans
worked cooperatively for the good of the colony
began growing tobacco for sale

6: The Puritans migrated to New England to
escape religious persecution
establish Catholic missions
maintain the practices of the Anglican Church
start tobacco plantations

7: England prized its North American colonies because
they provided England with natural resources of gold and silver
they provided soldiers for the British Army to fight in European wars
they supplied England with food and raw materials and bought English goods
they manufactured goods for England

8: In colonial South Carolina and Georgia, most slaves worked
in cities
on fishing ships
in factories
on plantations

9: Which of the following caused Jamestown’s near failure?
the discovery of gold and silver in the colony
John Smith’s leadership
the failure of the tobacco crop
the swampy site chosen for this settlement

10: In what part of North America did the Hopi and Zuni develop their way of life?
Southwest
Northeast
Plains
Northwest Coast

11: An example of an uprising by slaves to free themselves in the mid-1700s is the
Great Awakening
Stono Rebellion
Middle Passage
Great Migration

12: Which of the following was a driving force in Puritan settlements?
a love of luxury and wealth
a desire to live free of religious persecution
a passion for social order
a desire to return to England

13: The population of the Middle Colonies was known for its
lack of farming skills
hatred of the other colonies
diversity
lack of religion

14: As a result of the French and Indian War,
Native Americans gained control of the Great Lakes region
Britain lost control of lands east of the Mississippi River
France turned Canada over to Britain
France gained control of Florida

15: The Sugar Act and Stamp Act are examples of how the
British continued to leave the colonies alone
British tried to raise money in the colonies
colonists eagerly sacraficed to pay their war debts
British tried to stimulate colonial economies

16: The Revolutionary War began with the
Battle of Saratoga
Battle of Trenton
Bettles of Lexington and Concord
Battle of Bunker Hill

17: What was a major advantage of the American side in the Revolutionary War?
Patriot forces were fighting on their own territory
British forces were not well equipped
Americans had a well-supplied, stable, and effective fighting force
The British people strongly supported their forces fighting in the colonies

18: American victory in the Revolutionary War led to
expanded political and legal power for women
the abolition of slavery in the Southern Colonies
the strengthening of the Iroquois League
the spread of the idea of liberty at home and abroad

19: In the 1780s, the Nationalists organized to
create a unicameral legislature
strengthen the power of the states
promote the need for a stronger central government
fight against taxation

20: What issue did the Great Compromise resolve?
representation in the legislature
abolition of slavery
the veto power of the executive
when taxes were to be paid

21: The anti-Federalists argued against the Constitution because they felt
it gave too much power to the people
it created a weak executive branch
it made the national government too strong
the Articles of Confederation did not need to be reformed

22: Some anti-Federalists agreed to support the Constitution after the Federalists added the
separation of powers
Bill of Rights
Preamble
system of checks and balances

23: During his term in office, President Washington worked to develop a tone
that was dictatorial
that was nonthreatening
of modesty
of dignity

24: Why was Jefferson not named President after he won the popular vote in 1800?
Jefferson did win the election. Jefferson won the popular vote and tied with Aaron Burr for Electoral

1: oral history

2: give Spain a trading advantage over Portugal

3: water route across North America

4: Northwest Passage

5:
began growing tobacco for sale

6:
escape religious persecution

7: they provided England with natural resources of gold and silver

8: on plantations

9: the swampy site chosen for this settlement

10: In what part of North America did the Hopi and Zuni develop their way of life?
Northeast

11:Stono Rebellion

12:
a desire to live free of religious persecution

13: diversity

14: France turned Canada over to Britain

15: colonists eagerly sacrificed to pay their war debts

16: Bettles of Lexington and Concord

17: Patriot forces were fighting on their own territory

18:the spread of the idea of liberty at home and abroad

19:
strengthen the power of the states

20: representation in the legislature

21: it made the national government too strong

22:
separation of powers

23:of modesty

16000 D
Moore, OK 73165
$109,900
4 Bed, 3 Bath
2,048 Sq. Ft.
1.41 Acres

Manufactured or Mobile Home Property, Area: Out of Area – Moore, Subdivision: _Not On List, County: Cleveland, Approximately 1.41 acre(s), … View details.

2501 Cowan
Moore, OK 73160
$114,000
3 Bed, 2 Bath
1,700 Sq. Ft.
0.24 Acres
Manufactured or Mobile Home Property, Area: Moore-East, Subdivision: HIGHLAND PARK 6, Community Name: Highland Park 6, County: Cleveland, … View details.

http://www.realtor.com/FindHome/HomeListings.asp?frm=bymap&nearbyZp=&lid=Enter+MLS+ID&pgnum=1&ss_aywr=&optInCheckbox=&st=OK&mls=xmls&lnksrc=&mnbed=2&js=on&mnsqft=0&fid=so&vtsort=&poe=realtor&mnprice=0&ct=oklahoma+city&zp=&primaryZp=&mxprice=250000&typ=3&exft=0&exft=0&exft=0&exft=0&mnbath=0&areaid=1237

Best of luck

Here is the link for surrounding areas of OK city, OK

http://www.realtor.com/FindHome/HomeListings.asp?frm=bymap&mnbed=2&mnbath=0&mnprice=0&mxprice=250000&js=off&pgnum=1&lnksrc=&fid=so&mnsqft=0&mls=xmls&vtsort=&typ=3&poe=realtor&ct=Oklahoma+City&st=OK&areaid=1237&all=&areaid=83191&areaid=10218&areaid=88483&areaid=25174&areaid=7127&areaid=92478&areaid=11316&areaid=4020&areaid=29370&areaid=11861&areaid=62343&areaid=2305&areaid=78813&areaid=37891&areaid=90788

What does this mean for the buyer?
Is this good or bad?

The house has a mortgage of $200,000. It has a value of $150,000. If you sell it for what it is worth, the owner is "short" $ 50,000. The bank and the seller negotiate to determine how much both of them will agree to lose. This negotiation takes 90 days because many banks have only 2 employees handling 1,100 short sales.
This does not turn out well for most buyers.

So it’s probably best just to save your money up so as to be in a better position to buy a house later.

One alternative might be to have your parents purchase it and rent it to you. They probably trust you more than the bank does (depending on what their experience of you has been), and at least they would get financial rewards from your housing situation. However, even then they probably wouldn’t want to do that for just two years (for four years it might be a very attractive idea.)

Continuing to rent is probably the ideal solution for your current living situation.