To help you develop your spending and savings plan, it's important to examine your spending habits. Ask yourself the following questions.  If you can answer "yes", you may be at risk of damaging your credit an setting yourself up for financial difficulties. Are you currently unable to save any money? Have you reached the limit on your credit cards? Are you able to make only the minimum required payments on your credit cards? Are you buying things simply to make yourself feel good? Are you frequently buying merchandise only to retur it upon discovering you have no need for it? Are you consistently 'borrowing" from your savings or emergency fund to pay for current obligations? Do yur monthly debts ( excluding your rent or mortgage ) exceed 20% of your monthly take home pay? Have your cred... 02/09/2010

Credit is the ability to borrow tomorrow's money to pay for something you get today, such as home, furniture, or car, under an agreement to pay it back. From the time that you receive your goods to the time that you pay for them, you owe a debt, Credit is extended through several means, including credit cards, personal loans, car loans, and home mortgages. You get credit based on how you have managed your money and credit in the past. Your Credit History Your credit history shows how you've managed your finances and reapid your debts over time. Your personal credit report , a listing of the information in your credit history begins the first time you apply for credit. From that point on, each time you apply for a credit card or loan, information is added to your credit report. The most ... 02/05/2010

If you want to be successful at managing your money, you'll need to understand the importance of developing spending plans, spending money wisely, and saving. Needs Versus Wants! You can begin by thinking about your personal needs and wants.  "Needs' are items that you must have for a basic survival, such as food, clothing, and shelter. "Wants" are things you desire but can live without, such as fashion, items, restaurant meals, or entertainment. Make a list of each and estimate the costs; then compare. Are you spending as much for your wants as for your needs?  Are you currently making payments on items that you bought to satisfy your wants? Remember, wants are neither good or bad. However, you'll want to personally balalance your needs and wants so that yu can sucessfully establish a ... 02/02/2010

12/22/2009

Friends! Do not forget to turn your clock back 1 Hour before you go to bed tonight, since the daylight savinga ends tomorrow morning Sunday, November 01/2009 at 2:00 Am. Enjoy sleeping an extra hour tonight.                            http://www.stoppayingrentinla.com  Granada Hills Real Estate, Granada Hills Homes For Sale, Granada Hills Condos for sale, Granada Hills Townhomes for Sale,   10/31/2009

New homes sales increased in June 11% with 384,000 units sold,  the gain over the previous month was great, the number of homes sold in May was 352,000.  Sales are still 21% below 2008 level,  when 488,000 were sold according to hud. Builders are optimistic, in June they started building homes at a rate of 470,000 an increase of 14.4% over May. One of the reasons for this increase is the $8000 tax credit first time home buyers will receive next year, another reason particularly in Los Angeles County is the low inventory of existing homes, every new listing that hits the market gets multiple offers, from 8 to 50 depending on the home condition. The demand is huge and the supply is very low, I see home buyers coming with big down payment, and some are cash purchasers up to $ 600,000. New ... 07/27/2009

Total of 118 Homes were sold between the price range of $  200,000 and $ 1,999,999 Total of 7 Condos were Sold 108 Homes were Active 12 Condos Were Active Time on MarketUNITS 1-30 Days 68  31-60 Days 15  61-90 Days 18  91-120 Days 11  121-180 Days 3  More than 180 Days 9  Total Units Sold125  Average Market Time56.7 http://www.stoppayingrentinla.com   Granada Hills Home Values, mls, fha loans, mortgages   07/03/2009

Total of 77 Homes were sold between the price range of $  200,000 and $ 1,999,999 Total of 8 Condos were Sold Time on MarketUNITS 1-30 Days 47  31-60 Days 16  61-90 Days 6  91-120 Days 2  121-180 Days 10  More than 180 Days 3  Total Units Sold85  Average Market Time52.5  http://www.stoppayingrentinla.com   Real Estate News, Home Loans, Foreclosures, Probates    07/03/2009

Exit Realty- Real Estate Re-inventedEXIT Realty Granada stands out among other companies and offers solutions toyour real estate needs backed by tools and resources never been found in anyother realty company, such as LIVE/Interactive training and Coaching, OnLineUniversity and webinars everyweek. No matter what your real estate careerlevel, there is a training specifically suited your needs.Exit's NEW concept of Listing, Selling and Sponsoring is revolutionizing thetraditional two dimensional income mentality in the Real Estate business.Through sponsoring agents you do the work once and get paid over and over againas long as the people you sponsored stayed with Exit.10% Sponsoring residuals; 7% Retirement residuals and 5% Beneficiary Residualsand NO Desk Fees.Come and discover Please v... 06/25/2009

GRANADA HILLS homes for sale, GRANADA HILLS Pool HOmes for Sale, GRANADA HILLS condos for sale, GRANADA HILLS townhouses for sale, GRANADA HILLS bank owned, GRANADA HILLS REO properties. ALL info you need: Pictures, full property address, full property disclosure in one place, easy showing.  Email anytime or call for faster service or call Lupe Soto Realtor in Granada Hills serving all San Fernando Valley .  Please call  (818)276-6882 or email:  Lupe@realtor.com http://www.SOLDwithLupe.com  Please remember that we have no intention in selling you a home or condo, we will help you locate the one you wish to purchase and then we will help you OWN IT!GRANADA HILLS REAL ESTATE  05/27/2009

This Home Owner contacted Platinum Home Staging, Inc. to give her home that "wow" factor. She was not selling her home, but was hosting her Church's Mother's Day Fund Raiser at ther home ~ in 10 days! Talk about a tight time-line, and a tight budget. She had only $2,000 to spend, and there were a few things that HAD "to go", she told us so. But WE DID IT with 2 days to spare, ALL for UNDER $2,000. INCLUDING: new sofa and love seat set, new tables, new draperies and hardware, new area rugs and a few new accessories. Everything else came from her own things. The transformation brought tears to her eyes ~ her home now had that WOW factor for when her guests arrive for her fund raiser. We hope you enjoy the transformation to! *****************************************************************... 05/07/2009

 Fha Loans New changes in FHA loan guidelines have created exciting new opportunities for qualified clients who may have been waiting for the right time to buy.  These opportunities include:     Loan amounts up to $729,750(through December 31, 2009) Down payments as low as 3.5% Gift funds allowed Flexible qualifying guidelines Fixed-rate loans         http://www.stoppayingrentinla.com 03/17/2009

New Listings: 36  Average Listing Price: $ 452,479 Under Contract: 36 Average Listing Price: $ 372,636 Sold Listigs: 20 Average Sold Price: $ 431,250 %Sales Price Versus Listing Price: 98.59 % % Sales Price Versus Old Listing Price: 93.46 %  Average Days on The Market: 56   http://www.stoppayingrentinla.com 03/03/2009

New Listings: 49  Average Listing Price: $ 435,476 Under Contract: 35 Average Listing Price: $ 400,705 Sold Listigs: 39 Average Sold Price: $ 463,648 %Sales Price Versus Listing Price: 96.92 % % Sales Price Versus Old Listing Price: 71.37 %  Average Days on The Market: 55   http://www.stoppayingrentinla.com 03/03/2009

456 HOMES WERE SOLD      38 CONDOS WERE SOLD Time on MarketUNITS 1-30 Days 226  31-60 Days 89  61-90 Days 56  91-120 Days 42  121-180 Days 47  More than 180 Days 27  Total Units Sold494  Average Market Time57.9    Types of FinancingUNITS AITD 8  ASSM 2  CONV 393  CASH 45  FHA 32  CAL 1  LANDC 0  OTH 7  OWN 0  PRVT 0  TRUST 0  VA 4  NO FINANCING REPORTED 2  TOTAL 492  02/28/2009

New Listings: 48  Average Listing Price: $ 450,060 Under Contract: 23 Average Listing Price: $ 443,220 Sold Listigs: 43 Average Sold Price: $ 439,349 %Sales Price Versus Listing Price: 98.43 % % Sales Price Versus Old Listing Price: 96.74 %  Average Days on The Market: 45   http://www.stoppayingrentinla.com 01/14/2009

  Real Estate Price Trends The median single family home price as of December 07 2008 for GRANADA HILLS is $469,146     Housing Market ConditionsWith a Market Action Index as of December 07 2008 at 18.87, GRANADA HILLS is currently a buyer's market.     Home Sales and Demand TrendsThe average property in GRANADA HILLS as of December 07 2008 has been on the market for about 132 days.     Price Per Square FootThe median price per square foot for homes in GRANADA HILLS as of December 07 2008 is about $259     Homes for SaleThere are about 326 properties on the market in GRANADA HILLS as of December 07 2008. 01/14/2009

Homes Sold: 83 Condos Sold: 4 Residential Active Listings: 169 Condo Active Listings: 16 Time on MarketUNITS 1-30 Days 88  31-60 Days 30  61-90 Days 17  91-120 Days 10  121-180 Days 8  More than 180 Days 5  Total Units Sold164  Average Market Time41.6   http://www.stoppayingrentinla.com 01/05/2009

I am Still in Mazatlan Mexico since Christmas Eve, I am spending time with my Brother Mario and his family and I will be here until January 02, 2009. Then I will be traveling to Guadalajara Mexico for a couple of days and the last stop is going to be in my home town, Manzanillo,Colima, it a Resort on the Pacific  side of Mexico, south of Pto Vallarta. It is a great place to spend your vacations in case you never been here, keep it in mind           12/31/2008

                                                         I WISH YOU                                                                                 A                                                                     MERRY CHRISTMAS Alberto Pacheco www.sfvalleyhotproperties.com  Foreclosures, Probates, Hud  Homes 12/24/2008