Home Buying Programs For Single Parents

Home Buying Programs For Single Parents

The Advantages of Home Buying Programs For Single Parents

Several shops and groceries stores are now offering home buying programs for single parents. Single parents may not need to go to stores and shop personally. All they have to do is avail the home buying programs for single parent. Home buying programs for single parents covers shopping through website. You can shop online with a discounted rate and goods are delivered in front of your doors.

Saving energy and time means a lot to single parents. Their saved time and energy may be used to other useful things or chores. Single moms and dads are very thankful with these home buying programs for single parents, which afford them more time to monitor their kids’ activity.

To avail one of the ome buying programs for single parents, a mom or a dad must apply for membership. They may register at various shopping malls, websites, groceries, drugstores, bookstores, bakeshops or hardware stores.

The home buying programs for single parents are not only available at product oriented establishment but also at service oriented establishments. Service oriented establishments include barbershop, hair salon, massage and spa, health care and dental care.

Home buying programs for single parents offer products at discounted rates while others offer a ‘buy one take one’ scheme. Some establishments also offer surplus products in good quality conditions.

Service oriented establishments normally offer rebates or discounts. Sometimes they even offer free services for single parents. They even offer home rewards based on the consumables.

Home buying programs for single parents also offers home rewards wherein a mom or a dad can earn points for every shopping or services that they availed. Earning points in home buying programs for single parents have a corresponding product or item.

Home buying programs for single parents also offers free delivery. Members of home buying programs for single parents may place their orders via internet and through phone. Customers who purchased through home buying programs for single parents don’t need to pick-up the goods. All they have to do is wait for the items to be delivered at their doorsteps.

Some establishment requires certain distance to deliver the goods to their local customers. Customers living outside the delivery perimeter do not have to worry. The establishment offers delivery charges that every single parents will surely can afford.

Establishments also benefit greatly with their home buying program for single parents. The program minimizes and controls the number of people purchasing in the store, which in effect lessens the number of personnel. Home buying program for single parents also decreases the tension felt by the crews in dealing customers not to mention the advantage that they give to single parents.

Establishment offering home buying programs for single parents sprouted like mushrooms through years because of the advantages it caters to the single parents.

Single parents who come home straight from the office do not have much energy to carry heavy load of shopping items. It is very clear and understandable that single parents also need to rest and recharge their energy. Some single parents are not well informed about home buying programs to save on energy and cut the cost of their expenses.

Single parents who are in doubt of availing the home buying programs due to lack of information may simply call the desired establishment they wish to register for home buying programs for single parents and ask for their assistance.

Single parents should not take for granted the home buying programs even others are requiring for membership with payments in a lower amount. There are other establishments that are offering home buying programs for single parents with lifetime membership. Just think of the advantages of home buying programs for single parents that will bring to the life of single parents. The quality time, quality product and reserve energy that single parents will enjoy because of the home buying programs for single parents.

Single parents nowadays are very blessed because of modern technology they are now enjoying. These are one of the benefits of modernization. Computers and telephones are considers as necessity especially for single parents. Because of computers, establishments can create strategies and techniques to that can give convenience to people like the home buying programs for single parents.

Leaving time shares and probates to loved ones

Leaving time shares and probates to loved ones

People who face time shares and probate issues have the trouble of deciding what will happen to the property. For those who do not know, probate is the legal process of transferring the property of a person upon their death. Time shares and probate costs a lot of time and money.

Time shares and probates are usually not a problem especially when the deceased left a will that will be executed by the family’s lawyer. Squabbles of time share properties can happen which is why it is advisable to include the time shares and probate while doing your estate planning.

What happens to the time shares during probate? The probate process can be contested or uncontested. Most issues arise within the time shares and probate process because a disgruntled heir wants a bigger share of the deceased’s property than that he or she initially received.

Arguments most often raised include: the deceased being improperly influenced in making the gifts, the deceased did not know or was not aware of what they were doing when the will was executed, and the deceased did not follow the legal formalities in drafting the will. The majority of time shares and probate estates are uncontested.

The basic process of transferring an estate includes:

· Collecting all the property of the deceased;
· Paying all claims, debts and taxes owed by its estate;
· Collecting all rights to dividends, income, etc.;
· Settling any disputes; and lastly,
· Distributing the remaining property to the heirs.

Usually, the deceased names a person (executor) to handle the management of his/her affairs upon death. If the deceased fails to name one, an appointment by the court will occur such as a personal representative or administrator, to settle the will and estate.

There are three common estate-planning tools that can be utilized to avoid time shares and probate in the distribution of the person’s property at death: joint tenancy with rights of survivorship, revocable trusts and beneficiary designations. Joint tenancy applies to all property types except retirement plans. Revocable trusts can be used with all types of property. Beneficiary designations are for life insurance policies, individual retirement accounts and retirement plans.

At this point, time shares and probate can be planned with these three tools in mind. In the absence of a will, the best device to solve time shares and probate issues is the through a revocable trust. Revocable trusts or sometimes called “living trusts” have the following advantages over wills:

– Privacy. Financial affairs and to whom the property is given are private. Wills and inventories of probate estates are a public record.

-Cost Savings. The trustee only ahs to continue the deceased’s financial obligatios to the assets, thus eliminating time shares and probate expenses.

-Convenience. A revocable trust makes it easier to pass time shares and probate properties to the trustee.

– Continuity. Revocable trusts serve as an extention of the deceased as he gives the responsibilities to the trustee after death to pay the bills, pay taxes, and to manage the time shares and probate and distribute assets immediately.

-Stability. Revocable trusts normally do not need to be changed because of moving to another estate.

-Security. Revocable trusts are more difficult to be legally contested after death especially for time shares and probate properties.

Whether a will or a revocable trust is chosen to settle time shares and probate properties, consideration must be given to the executor of the will as well as to the alternate executors. The same consideration goes with respect to the initial trustee and successor trustees for the time shares and probate.

A deceased may wish to appoint to handle time shares and probate more than one successor trustee or executor and also the successor trustee and executor can be an individual or corporate entities like a bank trust department.

To avoid conflicts in time shares and probate, normally it is advised that the successor trustees and executors be the same person. A good estate plan should be able to distribute the property to whoever the testator wishes and when the testator wishes, with a minimum amount of income, estate, and inheritance taxes and lowest possible lawyer’s fees and other costs. Avoiding time shares and probate can be a big relief to the deceased and their family.

Why Probate?

Why Probate?

Why Probate?
Nobody voluntarily chooses probate. People are too busy or preoccupied with health or other issues to plan. They pass away without a living trust and their heirs—-usually their children—- find that they can’t sell Mom or Dad’s house without a court order or can’t transfer Mom or Dad’s bank account without court approval. Even with a will, they may be forced to file a probate proceeding.
Alternatives to Probate
Because probate is expensive and time consuming, a responsible attorney first tries to determine if there is an alternative to probate. In California, the most common alternatives to probate are a Spousal Property Petition (if there is a surviving spouse) or a small estate transfer (if the value of the estate is less than $100,000). If these and other alternatives to probate are unavailable, then the only recourse for the decedent’s heirs is to file a probate proceeding.
Cost of Probate
Attorney’s fees and costs are set by law in California and are based upon the value of the estate. Here is the statutory fee schedule in California:
4% of the first $100,000
3% of the next $100,000

Home Selling Guide

Home Selling Guide

Selling home right now can be done by anyone. Support with much information that can be found through the Internet, one person can sell his or her home either by a real estate agents or selling the home by himself or herself. The high technology that you can find anywhere can be a tool for you to sell your home fast and at a reasonable price, etc.
But, whether you want to buy with agents or by yourself, you need some guides in selling home. There are steps in selling your home. Those guides really help you. Never under estimate them because they have lots of impact in your selling home performance.
These are some quick guidance to sell your home:
1. Preparation; show the very best condition of your home
Here is the first step to sell your home. Make a best first impression to your buyers so that they are attracted to buy your home. Get rid of dirt and rubbish, remove all clutter, repairs all flaws of your home, get rid of unused furniture to make it looks spacious
2. Pricing your home effectively
A home that is priced right and reasonable will sell in a short time. You can use a third party service to give suggestion about your home’s value and the furniture in it. Don’t price too low that it will cost you more money, yet never also set high price that the you will loose your potential buyers
3. When To Sell
You also have to know the right time to sell your home. You surely want to sell your home in a good economic condition and strong demand for houses, which tend to be stronger in June and July. If you sell your home at the right time and a good preparation, you will get the highest price of your home than your prediction
4. A Bit About The Costs Involved
You should also involved any costs that you have spent in selling your home, whether it is attorney costs, closing costs, advertisements costs, etc
5. Selling Privately
Selling home by yourself is not as easy as it seems but it is worthy to do because you can save about 2-6% of your selling price. Selling home privately is sure going to take much time and efforts for you to sell it.
6. Selling At Auction
Selling at an auction can also be an option. But it is not a suggested option because it will cost you more money and also it is a volatile way in selling your home
7. Get a real estate lawyer
You can make the flow of documents so easy and having a professional advice by getting a real estate lawyer in your selling process
8. Marketing your home
There are many ways to market your home:
· Writing your sell ad
· Home Photos: a picture can describe a thousand word
· Lawn signs
· Open houses
· Home Brochures/Information sheets
· The MLS (Multiple Listing Service) provided by the agents
· You are your home’s best salesman

9. Negotiating an offer on your home
10. Home inspections
11. Closing

These guides will help you to sell your home. Never hesitate to ask for professional advices if you meet some problems while you are in the middle of selling process.
Good luck and have a nice day J