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Real Estate Advice:

Home.

A good Realtor!

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Real Estate can be the most honorable and fulfilling of all vocations, and in our opinion, may be the most useful in itself, rendering you most contented and independent in your affairs, if you approach it with knowledge, being well acquainted with both principals and practice. If you acquire excellent real estate you will gain more general esteem than most and will be able to lead a rewarding life.

 

 FIRST TIME BUYERS

First Time Buyer’s need tremendous attention and care from Arrows Real Estate so that they do not make a mistake in location, location, location or in the mortgage process. All first time buyers wonder, "What in the world am I doing?" from their first sweep through a neighborhood driving by houses on down to the signing of the closing documents. Some first time buyers do excellent research on their own before they take the first step while some just plunge right in, leaning on the Realtor® and Arrows Real Estate throughout the entire process.

The veteran Realtors® mostly avoid first time buyers because usually the price range is lower than that of experienced buyers. However, with the entrenched wealth in this country these days, there are first time buyers acquiring real estate in the "trendiest" neighborhoods. So, all you first time buyers need help whatever your price range happens to be. But then again, buying real estate requires help. That is why there are so many professionals connected to the real estate industry. That is why Arrows Real Estate is here for you.

Your Mortgage

This topic covers your Mortgage, which means you now have a mortgage.

Tax deductions...

Consult your accountant. One of the joys of a mortgage is deducting part of it on your income tax. Look at your amortization schedule:

http://www.decisionaide.com/MPCalculators/Menus/MP_Calculators.asp
(amortization schedule)

As the percentage ratio becomes less attractive on your income tax, those with a mortgage will eventually be aware that they are free and they are brave and they will contact their employees about improving the tax advantages. (Note: your employees are the men and women who work for you as your representatives in Washington DC.) See Links for this:

 

(Contact your employees in Washington, DC)

http://www.visi.com/juan/congress/ 
  

Contact your Senators in Washington, DC. 

http://www.senate.gov/ (U.S. Senate)


(More U.S. Senate:)  

(Because some Senators do not have their E-mail the first page of their web site!!!!) (It is hidden...)

http://www.senate.gov/contacting/index_by_state.cfm

 Contact your House of Representatives:

http://thomas.loc.gov/home/thomas.html (U.S. House of Representatives)

 

Contact our President:

http://www.whitehouse.gov/ (President of the United States)

To email President George W. Bush, click below:

PRESIDENT@WhiteHouse.gov
(And Remember to add your name, address, and phone number at the bottom of your message.)

To email any other previous president, you will need to email his presidential library, as for the obvious reasons, presidential email addresses are confidential. To locate information about other presidents, go to the Presidents website maintained for the National Commission on Presidential Sites.

Go to the  PRESIDENT  page. 

 

 

Traits of the type of person
 who is a dishonest politician and should not serve as an elected official of the people of the United States: 

  1. He/she is deficient in honesty. Sad and sickening stories will be related to this person.
  2. As a politician, discerning people of all political parties find that this person has but one principle – to get power by any means, and to keep it by all means.
  3. This person is of an ambition too irregular and inordinate to be content with institutions that leave his power precarious, he/she is of too bold and sanguine a temper to think anything too hazardous to be attempted, or too difficult to be accomplished.
  4. As to talents, they are great for management and intrigue – but this person is yet to give the first proofs that they are equal to the act of governing well.
  5. As to this person’s theory, no one can tell what it is.  Institutions that would serve this person’s own purpose (such as the government of another country, lobbyists, special interest groups, factions, and the like), not such as would promise lasting prosperity and glory to our country, would be this person’s preference, because this person cares only for himself and the groups which control this person.
  6. It is certain that this person’s irregular ambition cannot be supported by good men (few though they may be), and this person will court and employ the worst people of all parties as the most eligible instruments.  His/her actions will scourge the country.
  7. As to foreign politics, war will be a necessary means of power and wealth.  The animosity of another country will be the handle by which this person will attempt (and usually succeed) to wield the nation to that point.  Within this person’s term of office, he/she will advocate positions that, if acted upon, would in a matter of months place this country in yet another state of war with that power and thus further increase the national debt (which leads to struggles and to war) and bring the United States to ruin and bankruptcy. Then, they try to put forth the plan that any disagreement with the government is a form of disloyalty or perhaps treason (as with totalitarian systems), thus disallowing freedom for the individual citizen. This is their attempt to scare the voters.
  8. Wars are fought for the expectation of gain, or even for personal glory or revenge or ambition.
  9. To win votes, they promise the voters an exemption from the imperfections, weaknesses and evils incident to society in every shape, not of which a word do they intend to follow through.
  10. Most politicians are not to be trusted with power because they are selfish, passionate, full of whims, caprices and prejudices and their own immediate interests, especially of taking money from special interest groups, thus increasing their own wealth. 

Should all politicians be of this type, we should see no longer any thing upon which to rest the hope of public or private prosperity.

 

Prepayment of your mortgage

Every time you prepay a month’s mortgage payment; 
you deduct principal off the bottom of your amortization schedule, which means saving big bucks in the long run. 
Do this if your cash flow has improved.
If not, don’t worry about it.

PMI

This is private mortgage insurance. Don’t tell me you have PMI. Groan. Well, if you do, if means that when you bought the property, you put down less than a certain percent on the sales price of the property. If you can, pay this off as soon as possible. It will save you a few dollars every month.