Home Buyer’s Guide


Book Description

WHAT TO CONSIDER IN THE HOMEBUYING PROCESS • Be Mindful of Your Credit Profile • Don’t try to Time the Market • Research the Neighborhood • Think Long-Term & Think Re-Sale • Look at all your Expenses • Look beyond Staging • Never Buy the most Expensive home on the Block • Type of Home You Want to Buy • Rank Specific Features You’re Looking For • Size of Mortgage You Qualify for • Mortgage Process • Estimate Budget • Obtain Pre-Approval Letter for a Loan • Choose a Mortgage Type • Complete Mortgage Application • Conduct Current Home Appraisal • Mortgage Process and Underwriting THE BUYING PROCESS-WHAT DOES IT INCLUDE? • Finding a Home • Considering Financing Options • What type of Mortgage is right for me? • Making an Offer • Multiple Offers • Obtaining Home Inspection • What home inspectors cover in your Home Inspection? • Title Insurance • Who pays for what? Seller/Buyer Responsibilities • 30 Day Escrow - Timeline HOW DOES A REAL ESTATE AGENT HELP YOU BUY? • The Homebuying Process is Time-consuming • You Have Limited Access to Online Listings • Understanding the Market is Difficult • Look for Experienced Agent • Uses the Right Tools • Is Visible in the Real Estate Community • Uses Unique Value Proposition to Show the Best Homes • Communicates with the Sellers Agent • Monitors Your Mortgage Commitment • Helps You Find a Home • Determines the Right Locations • Negotiates Offers • Market Conditions • Finances/ Timeline of the Buyers • Negotiates the Price • Inspects the Home • Negotiates within Reason • Negotiate Home Inspection Repairs • Makes Closing Process Smooth • Arrange Final Walkthrough • Walk-through, • Close of Escrow, Keys • Congratulations! • Santa Cruz County Statistics/Absorption rate • Checklists/Worksheet




The White Coat Investor


Book Description

Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!




Confidential Bulletin


Book Description




A Millionaire's Real Estate Secret


Book Description

Regardless of financial situation, a new home is now something readers no longer have to wait for, thanks to the valuable and little-known real estate secrets revealed in this book. Includes four bonus CDs. (Real Estate)




Washington Real Estate Practices


Book Description




Buying In


Book Description

Brands are dead. Advertising no longer works. Consumers are in control. Or so we're told. In Buying In, Rob Walker argues that this accepted wisdom misses a much more important cultural shift, including a practice he calls murketing, in which people create brands of their own and participate, in unprecedented ways, in marketing campaigns for their favorites. Yes, rather than becoming immune to them, we are rapidly embracing brands. Profiling Timberland, American Apparel, Pabst Blue Ribbon, Red Bull, iPod, and Livestrong, among others, Walker demonstrates the ways in which buyers adopt products not just as consumer choices but as conscious expressions of their identities. Part marketing primer, part work of cultural anthropology, Buying In reveals why now, more than ever, we are what we buy—and vice versa.




Model Rules of Professional Conduct


Book Description

The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.




RE/MAX Home Buyer's Survival Guide


Book Description

A practical, easy-to-follow guide to owning the home of your dreams. With the real estate market exploding and prices soaring, home buyers are faced with endless questions: How can they afford their dream home? How do they find a real estate agent they can trust? Which mortgage is right for them? And how do they avoid being outbid once they find their perfect home? The process can seem overwhelming—luckily, real estate guru Bridget McCrea and the experts at RE/MAX make purchasing the right home simple. This easy-to-understand guide helps buyers determine what they can afford and where they want to buy, as well as the ins and outs of selecting a real estate agent, evaluating mortgages, understanding inspection reports, and keeping closing costs to a minimum. Filled with practical tips and useful checklists, The RE/MAX Home Buyer’s Survival Guide is the ultimate home-buying manual—from America’s most-trusted name in real estate.




The Official Guide to New Home Buying


Book Description

This is a book you will use as a tool to assist you in new home buying. You will learn that buying a new home is not as complex as it might appear. By having an understanding of the process of new home buying, your experience will be one of knowledge not of ignorance. Lynda Michaels answers questions and more in this accessible and practical book. She explains and guides you through the new homebuying process and teaches you to communicate effectively with your realtor, sales person, contractor and builder. She emphasizes the importance of recognizing the need to understand why and where to buy a home and how to prevent buyers remorse. Throughout the book she draws upon her personal experience and provides information that is most often requested by new home buyers, especially first time home owners. This book is a valuable tool for anyone looking for a new or used home, because the information provided can be used by any one looking for a home anywhere.