TRS, Inc. has added a mortgage company to better serve our customers in all 50 states. With access to all of Wells Fargo Home Mortgage resources, TRS mortgage offers you the best programs at the lowest cost. We put more money back in your pocket.
(PRWEB) September 25, 2003
For Immediate Release:
Total Realty Services, Inc. of 13030 Gulf Blvd. Madeira Beach, Florida 33708 has added a mortgage company to better serve our customers in all 50 states. With access to all of Wells Fargo Home Mortgage resources, TRS mortgage offers you the best programs at the lowest cost. We put more money back in your pocket.
What do we do? Offer only the best loan products such as fixed rate, Adjustible, Home equity, Intrest only, investor, second home, foreign nationals and specializing in Jumbo loans up to 5 million. We also process the loan in house to ensure you get the right answers on time and the closings are fast and easy.
Thinking about buying that vacation home in Madeira Beach, or that investment property in Colorado. Call now or email me at trsm1@hotmail.com for a free consultation.
CALL TODAY for a free consultation and ask about our Gulf Coast Investor program. Let us show you how we can save you money!
Give us a call at (800)950-2534 or (727)638-2491, Ask for Stephen Vincelli
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Filed under News by on Apr 4th, 2011. Comment. 
New York Short Term Apartment Rentals Can Save You Money
When you are taking an extended vacation to New York finding the right place to stay can be difficult. Most of the hotels in New York are small and expensive.
A short term apartment rental in New York can save you money; you can stay in a larger space, and really get the true New York living experience.
A few things to keep in mind when renting a short term apartment in New York City; the majority of the rentals are going to be smoke and pet free. Also, you are going to have to have a minimum night stay of 30 days. Many of these short term rentals do not include housekeeping services so keep in mind that it will be up to you to take care of the apartment and keep it clean.
Most New York short term apartments rent for as low as a night and can go up to 0 a night depending on the size. You can rent a small studio apartment or a large 3 bedroom apartment. A quick search on the internet will show that most Hotels in the Midtown area average around 0 a night for a small hotel rental, where in a short term apartment for 0 you can get a 2 bedroom apartment and the whole New York City experience.
Up until recently New York short term apartments were available for as few as a 3 night stays. With new legislation that has recently passed you must stay for a minimum of 30 days to rent a short term apartment, but for those on an extended vacation or traveling for work a short term apartment rental is still a good option.
If you really want to get the full experience of New York while on a long vacation then you should consider New York short term apartments.
Go to http://hoteltoshi.com for more information.
Article from articlesbase.com
Fox Hill Apartments on the Northwest side of Indianapolis Features spacious 1 Bedroom, 1 Bathroom Apartment homes with patio or balcony. All electric appliances, central air and gas heat. In a wonderful park like setting. Fox Hill Apartments is just moments away from the 86th street, St. Vincent Hospital, Keystone at The Crossing, Butler University and Marian College. Located in Washington Township
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Filed under News by on Oct 10th, 2010. Comment.
Discount Living Room Buffet Furniture Can Save You Money During These Financial Hardships
In today’s day and age, spending frugally has quickly become the trend. Our extra money and savings is suddenly being dipped into to be able to afford gas, groceries and other necessities in today’s expensive world. These concepts are making it harder and harder for people to invest their money into their home, and upgrading when it’s necessary. There are ways though, to save money while making the necessary upgrades and adjustments to your home. Here are a few tips on how to get most bang for your buck:
1. Find a piece of furniture that will give back to you. For example, a kitchen island will show you appreciation everyday. It constantly creates more room in the kitchen, and allows for easier clean up after making a meal. These small things make a large impact on everyday life. If you’re having company over, it can serve as an additional seating area for last minute guests, as well as additional serving space for the appetizers, or buffet style meal. The possibilities are endless with this easy upgrade.
2. Be a Frugal Fanny. These people once mislabeled as “frugal” or “cheap” were wildly wrongly categorized, what they should have been called is smart. All a frugal person does is shop around to find the lowest prices and best bargains. This is a great way to save money in these times of need, why not shop around, and take the extra minute to check the clearance buffet tables or cabinets section? It could be well worth your extra time.
3. Combine #1 and #2. Find a piece that will not only give back to you, but that will get you frugal points, like for example, discount living room buffet furniture. These pieces will provide you with a beautiful cabinet to hold all of your goods and knickknacks from around your home, and can also be found at a significantly reduced price, saving you hundreds, if not thousands down the line. It will instantly upgrade your home, while not costing you all of your savings.
Your home doesn’t need to suffer in style, or upgrades, even during financial setback times. There are inexpensive ways to keep your home up-to-date, without draining the bank account.
Just another creative writer talking about anything and everything under the sun! If you would like more information about buffet furniture or where to get the best discounts on it, please visit the eBuffet website.
Article from articlesbase.com
Filed under News by on Oct 10th, 2010. Comment.
Bolton, MA (PRWEB) October 5, 2010
Currently, Sustainable Life Solutions is supporting Smart Strip Power Strip incentive programs for all of the investor owned utilities in Massachusetts — National Grid, NSTAR, Unitil, Western Massachusetts Electric Company, and the energy efficiency provider Cape Light Compact. In addition to working with the larger players, Sustainable Life Solutions is unique in providing their full suite of services to municipal electric departments as well. In Massachusetts, Georgetown Municipal Light Department has joined the ranks of Belmont Municipal Light Department, Braintree Electric Department, Hingham Municipal Lighting Plant, and Littleton Electric Light and Water Department in introducing their ratepayers to energy saving Smart Strip surge protector which helps eliminate wasted electricity.
According to Kevin Goddard, Customer Service Manager at Littleton Electric Light and Water Departments, “Sustainable Life Solutions has made implementing the Smart Strip Rebate Program easy by delivering the whole package, [including marketing and communications assistance]. Sustainable Life Solutions really has a turnkey solution and it’s been a great partnership.”
In addition to being the market leader in Massachusetts serving both public and municipal utilities, Sustainable Life Solutions LLC has been approved to offer incentives in New York. According to Sustainable Life Solutions’ President Laura Kischitz, “The Smart Strip program is very attractive to utilities and energy efficiency organizations that are trying to reach residents with easy ways to save energy. Each Smart Strip Surge Protector saves on average a minimum of .00 per year (according to the US Dept of Energy) and with the discounts and rebates available in Massachusetts, can cost as little as .95.”
About the Smart Strip Power Strip
Many homes consume electricity needlessly through “phantom energy drain” caused by printers, PC monitors, DVD players, VCRs, TVs, game stations, and other peripheral devices. These devices are also known as “energy vampires” because they continue to draw some power even when turned off. The Smart Strip power strip eliminates that problem. These uniquely designed surge protectors automatically shut off peripherals. When computers or TV are turned off, the Smart Strip shuts off all power to the peripheral devices. The Smart Strip even works when computers goes into hibernation or sleep mode; the power strip automatically stops all power to printers, speakers, monitors and other peripherals. Visit their site for more information about the Smart Strip Power Strip or for information about the energy efficient rebate programs for Massachusetts residents.
About Sustainable Life Solutions LLC
Established in 2009, Sustainable Life Solutions LLC is an innovative market leader offering information, products, and services, to help people make simple changes that will have a positive impact on reducing energy consumption one household at a time. For more information, visit www.sustainablelifesolutions.com.
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Filed under News by on Oct 9th, 2010. Comment.
Irvine, CA (PRWEB) October 1, 2010
David Ning, author, advisor, and founder of MoneyNing.com is giving away his eBook How to Save Money on Everything to anyone interested in developing strategies for saving money, living frugally and investing wisely. The eBook and other content from the finance-related website can be found at http://moneyning.com/.
According to the Business-Cycle Dating Committee of the National Bureau of Economic Research, the recession is officially over. In fact, according to the committee, economic indicators suggest that the economy began its rebound in June of 2009.
And yet, millions of American’s continue to feel the effects of the economic fallout with many in debt, out of work and without employment or healthcare.
Treasury Secretary Timothy F. Geithner recently explained it this way, “It’s still a very tough economy. We’re still digging out of a very deep hole,” brought about because “large parts of the economy, not just the government, were living beyond their means.”
Helping others develop the habit of spending less than they earn has been a major goal of MoneyNing.com since its launch in 2007. Now that frugal living is back in vogue, the blog has attracted a monthly readership of over 300,000 with its “live below your means” message.
The straightforward, no-nonsense approach of MoneyNing.com has attracted the attention of online news syndicates as well. The high quality content has been featured on Time.com, USNews.com and the NYTimes.com
David Ning, founder of MoneyNing.com, is thrilled by the success of the finance-related website. As a husband, father, and college graduate, Ning understands how difficult it can be to make ends meet on limited means. He launched MoneyNing.com in order to help readers understand the foundational wealth-building principles necessary for creating financial security and the importance of saving money, living frugally and investing wisely.
Subscribers of MoneyNing.com receive a copy of David Ning’s eBook How to Save Money on Everything. They also receive a weekly newsletter and are given access to a mini course on frugal living. Go to http://moneyning.com/announcements/the-free-frugal-email-newsletter/ to subscribe.
Visit MoneyNing.com to read the latest blog posts on level well (yet below your means) and saving money http://moneyning.com/.
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Filed under News by on Oct 1st, 2010. Comment.
Tokyo Landlords Lose Century-Old `Gift Money' as Rents Fall to 12-Year Low
After viewing almost 100 Tokyo apartments , banker Damien Cambon was happy to discover that a Japanese tradition dating back more than a century is dying: the payment of up to two months’ rent extra as a gift to the landlord.
Read more on Bloomberg
Affordable housing goes green in Takoma Park
Gilbert Highlands in Takoma Park recently completed a $ 5.34 million green renovation project, bringing in environmentally friendly appliances, carpets and more to the affordable-housing complex.
Read more on Silver Spring Gazette
Boulder Frugalista: Finding deals on ski, snowboard passes
Our current heat wave notwithstanding, we really are moving slowly, but inexorably, into fall. Being that I live in a second-story apartment that collects heat better than a solar hot-water heater, this change couldn't come any sooner for me.
Read more on Colorado Daily
Filed under News by on Oct 1st, 2010. Comment.
Saving Money through Apartment House Plan Designs
The most important factor in saving costs will be to ensure you have an optimum designed house floor plan. This means that all the spaces are architecturally designed to avoid unused wasted space. As a general rule of thumb, circulation space i.e. space used for corridors e.t.c should not be more than 20 % of the floor area.
Plot sizes are increasingly getting smaller and smaller in Kenya. The average size of a plot in Nairobi is 50 feet by 100 feet. This means that architects have to be very ingenious in design so as to fit in the maximum number of residential units in case of flats and apartment designs.
Room sizes can be designed with the furniture in mind and living room and kitchen doors placed in the middle where the circulation space passes inside the room as opposed to along one edge of the room.
For residential units for rent, the living room can be joint to the dining room to save space since if both rooms are created, they will take in more space.
Careful use of minimum practical dimensions can also greatly reduce costs. For example, the width of a toilet can be reduced up to 800mm and corridor width can reduce to 1.2 meters.
The door swing placement should also be carefully selected such that the doors swing to the edge of the wall in bedrooms so as to leave ample space inside the room. Care should be taken to avoid the bedroom doors opening with the full bedroom view for privacy reasons. Inbuilt wardrobes also reduce cost of wardrobe constructions.
Use of angle parking as opposed to 90 degrees parking also increases the number of vehicles that can park within a unit.
Roof pitch can also reduce the cost in that a less stepper pitch covers less surface area than a steeper pitch.
Lastly, the floor to ceiling height can be kept to a minimum of 2.4 meters. This will reduce the costs in that the quantities of materials used in construction of the extra walling will be reduced.
Frank Gichuhi Is A World Reknown Architect Who Specialises In Design Of Unique Buildings And Researches On Current Trends In Construction And Real Estate REAL ESTATE SOLUTIONSYou Can Also Add Your Views About Architectural Design, Construction And Real Estate On His Blog Here REAL ESTATE SOLUTIONS
Article from articlesbase.com
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Filed under News by on Oct 1st, 2010. Comment.
Refinancing Your Mortgage Loan to Save Money
Most people refinance their mortgage loan when it is up for renewal from its term. Mortgage loans come in a variety of terms, anywhere from six months to 10 years at a time, amortized over 25 to 50 years. Each term of a mortgage loan is its own mortgage loan – meaning that you can change the mortgage loan type you have as well as the term when your mortgage loan renews. If your mortgage loan is up for renewal, it’s a good time to see if you can get a better interest rate on your new mortgage loan by shopping around. However, there are other times when refinancing your mortgage loan makes sense.
Renewal Time
Term renewal on mortgage loans is, obviously, the time when most mortgage loans are renewed. It is a time when you can search for a different lender for your mortgage loan or stay with the same lender. However, refinancing your mortgage loan is similar to taking out a new one to begin with, except that you’re not required to have a down payment.
Refinancing your mortgage loan means having a new mortgage loan – you can use this opportunity to change the type of mortgage loan you have, such as going from an adjustable rate mortgage loan to a fixed rate mortgage loan, or vice versa. You can also change the term of your mortgage loan, make it longer or shorter, depending upon your wants and needs.
If you’re term mortgage loan is up for renewal and the interest rates are low, it’s a good time to lock in the good interest rate for a longer period of time with a fixed rate, long term mortgage loan. However if your renewal comes up and the interest rates are high, it’s a good time to go with either a short term fixed rate or an adjustable rate mortgage loan. Adjustable rate mortgage loans’ interest rate changes at various points in the term, which means you could end up with a much lower interest rate, and therefore lower payments when the rate changes.
Need extra money?
Mortgage loan refinancing is also a good time to take out some of the equity you’ve been saving. You can refinance your mortgage loan for higher than is owed to the previous mortgage loan and get cash from your equity to spend as you see fit. The most common uses for equity cash is home improvements, consolidating high-interest debts (such as loans and credit cards), and paying for college tuition for children.
Other times it’s a good idea to refinance
There are other times throughout the term of your mortgage loan that you may want to consider refinancing. If the interest rates plummet, it’s a consideration to refinance your mortgage loan with a longer term, fixed rate mortgage loan. Locking in a low interest rate on your refinanced mortgage loan could mean that you save tens of thousands of dollars in interest payments to your lender.
A word of caution about refinancing mid- mortgage loan term – prepayment penalties come with some mortgage loans and if you have a prepayment penalty on your mortgage loan, talk with your loan officer before you begin the refinancing process.
There’s an easy way to figure out if it’s worth refinancing your mortgage loan mid term and paying the prepayment penalties – find out what your yearly interest payments will be with a new mortgage and compare them to what they are with your current mortgage. Subtract the new mortgage interest from the old mortgage interest – this is how much interest you’re saving in a year. Compare this number with the amount you’ll pay in prepayment penalties. If it is less than half (which means it would take two years to “pay” for the refinancing), then it’s not worth refinancing your mortgage loan. However if you can “pay” for the refinancing within two years on a five year term or more mortgage loan, then it may be worth paying the prepayment penalty.
You can ask your mortgage loan lender if they will waive the prepayment penalty if you refinance your mortgage loan with the same company. Prepayment penalties are in place from some lenders because they’re losing your business and thusly the thousands of dollars of interest payments you were to make to them for the remaining term on your mortgage loan. Most prepayment penalties are six months interest on 80 per cent of the total of your mortgage loan. However, some lenders may be willing to waive the prepayment penalty if you’re staying with them for the longer term mortgage you want to lock in with lower interest rates. While the interest they’re receiving is lower, it can add up to much more than the prepayment penalty amount they will receive if you refinance early.
In order to make paying a prepayment penalty worth it to refinance your mortgage loan, you shouldn’t take any longer than two years in saved money to make up the amount you pay out to the old mortgage loan company in penalties. Be sure that if you do make the payment that your new mortgage doesn’t have prepayment penalties attached to it.
Refinancing your mortgage loan is a good opportunity to seek out better interest rates and terms. Many people choose to use a mortgage broker to find a new lender to refinance their mortgage loan. The reason for this is because mortgage brokers work with several lenders and can submit the single application you fill out to many lenders at the same time. They then enter a ‘bartering stage’ with the lenders who are willing to refinance your mortgage loan. By using a mortgage broker, you can get great interest rates from lenders vying for your business.
Don’t underestimate some of the mortgage loan refinancing companies as well – because they are online and don’t have as much overhead as standard lenders, they can sometimes offer even better deals on interest rates and terms.
Refinance Mortgage Loan – Get expert help & advice with us to find the best mortgage rates for your home financing needs to fit every situation. Contact us now at 1.866.852.8363 & Apply now online for your lowest home purchase & refinancing home equity mortgage loans program.
Article from articlesbase.com
Filed under News by on Sep 28th, 2010. Comment.
East Lyme, CT (PRWEB) September 19, 2010
With all the underwater mortgage and recent news events of strategic walk aways these days. Mike Choi is taking on his underwater mortgage situation quite differently than what traditional homeowners may do in his circumstance.
Like many homeowners who bought their property pre-2008 where the housing market was high, Mike bought his townhouse in 2005 with 100% financing. Since then the housing market has turned south cause many homeowners to owe more on their property than what it is worth.
Some homeowners have chosen to walk away while other dutifully pay back their debt. Mike is the latter group where he is paying back his debt.
However, to meet his obligation of repaying the mortgage and building equity faster. He's using other people's money to do so. Mike is currently living in the basement of his townhouse while renting out his two bedrooms. He is using the rental income from his two bedrooms to aggressively pay down his mortgage. The goal is to pay off the mortgage with the higher interest rate.
When Mike bought his townhouse in 2005, he financed the entire purchase price by applying for an 80/20 mortgage. The 80/20 mortgage is a common mortgage available to people with good credit that allows them to finance 20% of the purchase price as the down payment while still qualifying 80% of the purchase price as the standard mortgage. The one caveat of this mortgage is the 20% downpayment or second mortgage comes with a higher interest rate.
So far, Mike has paid back over 40% of his second mortgage debt and plans for it to be paid off my 2012. A remarkable pace, considering he only begun to pay additional principle payments since May of 2009.
For Mike, the choice to live in the basement came when he decided to go back to graduate school. Instead of taking out student loans and falling further into debt, he decided that using the rental income from renting out his bedrooms a better alternative.
Mike encourages other homeowners to be creative in ways to make money and pay back their mortgage debt. In Mike's case, he's able to pay back the 20% of his second mortgage from the rental income he's able to garner from his empty spare rooms.
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Filed under News by on Sep 28th, 2010. Comment.
Realty Direct Encourages Home Buyers and Home Sellers to Take Advantage of a Hot Real Estate Market and Save Time and Money by Doing it Online
Sterling, VA (PRWEB) April 20, 2005
With the real estate market continuing to be hot all across the country, Realty Direct, a full service discount real estate franchise, encourages both home sellers and home buyers to take advantage of the great benefits offered through their website, www.realtydirect.com. Through the website, home buyers and home sellers have access to full service real estate brokers at some of the most competitive prices in the industry.
ÂWith the market as hot as it is, now is the time to get in whether you are a buyer or a seller, said Tip Powers, President of Realty Direct Franchise Corporation. ÂAnd by using the power of the Internet, home buyers and home sellers can now get access to full service real estate brokers and save themselves time and money.Â
Through Realty Direct, home buyers have access to services that include finding listings of homes for sale, showing homes, writing and negotiating the contract, post-contract support, and attending settlement. Additionally, Realty Direct provides cash back to its clients. For resale homes, Realty Direct offers 1% of the sales price as a rebate (based on a 3% co-op to the company; otherwise, it is prorated). For new homes, Realty Direct offers 1.5% of the sales price as a rebate (based on a 3% co-op to the company; otherwise, it is prorated).
For home sellers Realty Direct provides full-service listing services at some of the industryÂs most competitive pricing, just 3.99%. That commission includes 3% to the buyer's agent and 0.99% to Realty Direct. There are no other Âhidden fees or surprises so home sellers will know exactly what to expect. Realty Direct has real estate franchises all around the United States that have well trained real estate brokers that can provide full-service brokerage quality at a discount price.
In addition, those clients with homes for sale can use Realty Direct's free home price check available at: http://www.realtydirect.com/Sellers/cma.asp
Realty Direct has offices in six states including, California, Florida, Massachusetts, Maryland Virginia, and Washington DC. Realty Direct is a leading brokerage for Northern Virginia Real Estate.
More information about Realty Direct's services can be found at its website www.realtydirect.com.
About Realty Direct Franchise Corporation
Realty Direct Franchise Corporation, a full-service discount brokerage, was ranked as the top New Real Estate Brokerage Franchise for 2005 by Entrepreneur Magazine on its list of the top 100 Hottest New Franchises. Realty Direct franchises are the new breed of real estate brokerages that use technology to reduce expenses and passes on the savings to its customers. In 2004, Realty Direct's clients saved over $ 10 million compared to using traditional real estate brokers. Realty Direct also has offices in six states including, California, Florida, Massachusetts, Maryland, Virginia, and Washington DC. Realty Direct is a leading brokerage for Northern Virginia Real Estate. Realty Direct has rewritten the book for home buyers and home sellers, saving its clients time and money. More information about Realty Direct's services can be found at its website www.realtydirect.com.
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Filed under News by Home Loan on Jan 14th, 2011. Comment.