June 12th, 2017 by homehappily

Financial Education Services: FES Protection Plan Membership Features & Benefits

Services that restore your credit, while helping you get all your personal & financial affairs in order

Use this link to watch a quick video, tell me you’re interested or enroll


Credit Restoration

Your financial health revolves around your credit score! Work with credit experts and proven system to eliminate any inaccurate, obsolete or erroneous accounts. Using your rights under the Fair Credit Reporting Act to your advantage,Financial Education Services helps you dispute the mistaken negative ratings that may be preventing you from obtaining new credit when you need it most. Lower your interest rates, avoid high late fees, save money and advance your credit opportunities. (Elsewhere $100+ per month for this single service)

  • A+ Rating with Better Business Bureau
  • Providing exceptional service, results and satisfied clients since 2004
  • Complete customer involvement with review and change to your disputes
  • Monitor your progress online 24/7
  • Live, friendly customer service staff

 

Positive Credit Builder

Understanding how your credit score is calculated and how to read your credit report are the first steps in improving your current standing. The FES Credit Education Center offers a wide variety of educational services, credit tips and resources to help you take the necessary steps to enhance your credit score and manage your financial life. Improve your score by identifying the accounts that need immediate attention and understand the impact of the amount of credit you are using. Financial Education Services also offers a secured credit card to help rebuild credit or help build new credit for those just starting out. (Elsewhere $10+ per month for this single service)

  • A breakdown of the credit scoring system
  • Credit management techniques
  • Education and resource center

 

Smart Credit

Manage all your online accounts in one place, integrated with your credit and identity. You can use action buttons to ask a creditor a question about your account or a transaction. FES automatically tracks and update your account balances, bills coming due and transactions every day. access your interactive credit report, which is now easy to read and search or find anything quickly. It also includes your credit score, auto score, insurance score and even a hiring risk index for job seekers. Get alerts to your phone or email that someone opened credit in your name. Then use the action button to stop the thieves.  (Elsewhere $25+ per month for this single service)

  • Credit monitoring alerts
  • Instand statements
  • Easily take action
  • Daily transactions

 

Credit Attorney

FES fixes consumer credit reports in a legal and trustworthy manner and fights abusive debt collectors — turning victims into victors as they step into an otherwise unfair fight started by debt collectors, creditors and credit reporting agencies. FES is focused on you and not just your case. FES lawyers and paralegals band together to analyze your case and situation from all angles to bring about the best result in the quickest manner. They will work with you to determine your case eligibility an aim to stop harassment and clean up difficult to remove credit report errors from your credit file. (Elsewhere $250+ per hour for this single service)

  • Personal attention
  • Eliminate debt collector harassment
  • Money damages awarded to you

 

Debt Zero

DebtZero is a clear guide on how to more efficiently pay down your debt. Taking into account your debt obligations and interest, the system will show you exactly how to properly allocate your money towards your monthly payments using nothing more than your current income in order to speed up your debt payoff. It will map out the thousands of dollars you will be saving in interest by paying off your debt significantly earlier than expected. Put more simply, it will show you the amount of hard-earned money you can save by eliminating unnecessary years of interest payments! (Elsewhere $50+ per month for this single service)

  • No extra income required
  • No line of credit suggested
  • No refinancing required
  • No consolidation needed
  • No change in lifestyle requested

 

LifeLock®

Proactively safeguard your credit, your finances and your good name with vigilant services that alert you of potential threatens before the damage is done. If identity thieves steal your personal information, they could take out a mortgage, commit tax fraud, open new credit accounts and a whole lot more. This technology searches for potential misuse of your social security number, name address or date of birth in applications for credit and services. You can choose alerts by text, phone, email or mobile app — and respond immediately to confirm if the activity is fraudulent. Lifelock through FES is confident in their ability to help protect your identity but no one can prevent all identity theft. If you become a victim of identity theft while a Life Lock member, up to $1 million will be spent to hire experts, lawyers, investigators, consultants and whomever else it takes to help your recovery. (Elsewhere $10+ per month for this single service)

  • First in the industry to offer proactive identity theft protection
  • Direct access to fraud resolution teams within our extensive network
  • Internationally recognized for expertise in privacy and security technologies fraud, an criminal methods.
  • Partnerships with FBI Law Enforcement Executive Development Association (FBI-LEEDA)

 

Will, Trust & Power of Attorney

The decisions you make for yourself and your family are important because you know whats best for you. Unfortunately, in the event that you aren’t able to speak on behalf of these decisions, someone that doesn’t understand your wishes can end up making them for you. Without an estate plan in place, these crucial choices regarding YOUR health, finances and family are suddenly out of your control. Many people disregard planning for unexpected events because they’re “too young” or it’s “too expensive.” Now you can have a comprehensive planning package, customized to your needs, covering each of the essential parts that make up a full estate plan. (Elsewhere $5,000+ for this single service)

  • Developed by attorneys
  • No add-ons or surprise charges
  • Friendly customer service staff to answer your questions
  • Complete at your own pace from the privacy of your home
  • Mailed to you in professional binder ready to signed and notarized
  • Peace of mind for life’s uncertainties

 

Financial Lockbox

If you’re like most families, one person is generally designated to handle the financial aspects of the household. If you’re single, you may be he only person who knows the type and location of your financial accounts. What if your loved ones suddenly found themselves in the position of taking over your finances without warning? Would they be able to locate insurance, bank and financial records in the event of an emergency? Financial Lockbox is an online solution that enables you to store your financial data in a single, secure, password-protected location for easy to access by you or loved ones that you select and authorize. (Elsewhere $25+ per month for this single service)

  • Establish a complete listing of all life insurance policies, bank accounts and other financial data
  • All your financial documents organized and easily accessible; especially handy at tax time
  • Restore your records easily in case of fire, flood or earthquake
  • Your data is safe an secure agains hackers with our state-of-the-art encryption programs
  • Appoint a contact person to be notified of your records in the event of an emergency

 

Also included –

  • Youth Financial Literacy online education program to help your children achieve financial literacy and solid financial future
  • Discount Travel & Shopping portals
  • RX Discount Card

 

Use this link to watch a quick video, tell me you’re interested or enroll

Download the PDF

Posted in Community, Credit Repair, Foreclosure Tagged with: , , , , , , , , , , , ,

February 22nd, 2017 by homehappily

Home Repair Services strengthens Kent county homeowners. They are located at 1100 South Division Avenue, Grand Rapids, Michigan 49507.

I recently went to one of the monthly lunch and learns offered by Home Repair Services. And, wow! If you’re a homeowner in Kent County, this is an organization you NEED to know about.

Home Repair Services is a non-profit organization focused on strengthening Kent County homeowners post purchase. It offers a repair team for vulnerable homeowners, as well as DIY services for all Kent County Homeowners.

For example, low income homeowners could get repair assistance to replace a furnace, a roof — or even a leaky faucet — for about 15 percent of the cost. Homeowners, and also renters, with mobility issues could get help adding a ramp for easier access to their home.

And no matter the income or ability, any Kent County homeowner can take advantage of the organization’s Home Maintenance Check UpRemodeling Together, or Financial Coaching programs.

Scroll down for more detailed information on each program and service offered.

Follow the links for:

Home Repair Assistance

DIY Self Help Registration


Speaking of remodeling… the following is a short, but cool video on three Kent County homeowners who remodeled their kitchens DIY style, with coaching and discounted materials with Home Repair Services. Any Kent County home owner qualifies, as long as they reside in the home!


Quick Summary of Offerings by Home Repair Services in Kent County

(Each heading is a link to its associated webpage)

Repair Team

Each working day, Home Repair Services sends professional service technicians into neighborhoods to handle minor or even the most urgent and critical repair problems facing qualifying lower-income homeowners. More info…

Money Matters Classes

These are free financial coaching classes to any Kent County resident who can attend. The next set of classes begin March 1, 2017. Class titles include: 21 Day Financial Challenge; Cash is King; Managing Credit; Insurance; Foreclosure. There are no income restrictions. Download the PDF schedule OR get more info…

Home Maintenance Check Up

This is amazing! I want to recommend all Kent County homeowners take advantage of this service! It’s a free program in which the HRS Self-Help team will work with you to help plan for regular maintenance and home repairs. This routine maintenance and long-term planning will help save time and money, as well as maintain the value of your home. More info…

During the check-up you will-

  • Learn about how your house works
  • Learn to estimate repair costs and where to buy materials
  • Plan for which things to do now and which to postpone
  • Learn how to make simple repairs yourself
  • Receive a free Home Maintenance Tips booklet

Help to Avoid Foreclosure & Financial Coaching

Last year, HRS handled about 20 pre-foreclosure cases per month. They helped 112 people avoid foreclosure. Financial coaches assist in getting in contact with the mortgage company and working out a payment plans. There are no income restrictions. Flyer. HRS Financial coaches also spotted 20 households with 2015 tax exemptions and were able to help these homeowners get a refund for up to three years in over payment. More info…

Access Ramps & Modifications

Qualifying lower-income residents throughout Kent County with mobility impairments can request home access modifications from Home Repair Services. These include wheelchair ramps, bathroom grab bars, handrails and bathtub modifications. The copay for services is based on a sliding fee scale and ranges between 10% and 20% of a typical job’s total cost. More info…

Fix it School

HRS offers DIY classes in plumbing, electrical, drywall, ceramic tile, flooring and cabinet installation. All classes take place at 10 a.m. every Saturday, are free and open to the public. Download the PDF schedule of upcoming classes. There are no eligibility requirements. Just walk in and have a seat! Participants who complete all six sessions of our “Rookie Renovators” series will receive a certificate of completion. More info…

Remodeling Together

Thinking about remodeling your kitchen? What about your bathroom? Remodeling Together offers resources you need to do it yourself successfully and at a lower cost. There are no income restrictions. The program includes free in-home design support, hands-on classes, lots of time with experienced remodeling coaches and a large selection of high quality kitchen cabinets, countertops and tile with passed on discounts. If you own or are buying your home and are willing to do some home remodeling work yourself, then Remodeling Together is a great option! (Scroll up to see video posted earlier in this blog post)  More info…


 

Get Your Free Home Value Now!
Sylvia’s Website
Ultimate Guide to Home Selling
Homes Close to Where You Work
Free Home Values
Avoid Foreclosure
MY REVIEWS
Sylvia Dana
Realtor
Coldwell Banker AJS-Schmidt, 3744 28th St. SE, Grand Rapids, MI 49512
616-570-8864
Licensed In: MICHIGAN
License #: 6501400118
Contact Me

You Can Also Visit Us At:        

Posted in DIY, Foreclosure, Home Repair, Home Values, Homeowners Tagged with: , , , , , , , , , , , , , , ,

January 17th, 2017 by homehappily

If you’re trying to sell your home on your own, you’re a FSBO (For Sale By Owner.) That’s what we call you in the real estate biz: FSBO. Think of it as a term of endearment.

While your DIY desire is respectable, it might not be the smartest thing to do if you want to sell your property for the highest dollar and you want to do it fast.

Did you know that Colby Sambrotto, founder of ForSalebyOwner.com, which is one of the most popular and robust FSBO sites on the Web, ended up listing his home with an agent AND paying a full commission?

If he couldn’t get the job done for himself using his website, how effective do you think this approach will be in getting your home sold for the highest possible price in the shortest amount of time?

There are several reasons to hire an agent to sell your home. Firstly, a state-licensed realtor has worked hard to pass a difficult test in order to be licensed to handle real estate transactions. Secondly, they’ve invested a lot of money into practicing the trade, educating themselves on real estate issues and keeping their license current. Thirdly, you need a license to practice real estate in the State of Michigan. These reasons speak for themselves.

FREE RESOURCES FOR FSBOs

Here are 10 more reasons to list your property with a realtor: 

1. Trust & Credibility –  Qualified buyers know that FSBOs aren’t bound by the Code of Ethics that Realtors are. FSBO sellers could do and say whatever they want to get their home sold.

2. Safety & Showings – Because FSBOs don’t have lockboxes, that means the FSBO will need to be present for every showing. There are numerous challenges with this situation, the most important of which is safety. Is the person who wants to see your house legitimate or not? Even if you accept an offer from a potential buyer, how do you know whether the person meets the income and credit requirements to close the deal?

3. Negotiation & Documentation – Throughout a real estate transaction, there are many back and forth negotiations going on. This is because real estate agents are hired to best represent their clients, and to handle the complexities involved, including: the disclosures, offer, counter offers, addendums, closing date, financing terms, comps, appraisal report, inspection report, daily occupancy rate, and more.

4. Qualified Buyers & Sale Price – Buyer’s who are represented by an agent are more prepared and qualified to buy, and they are willing to pay for quality. On the other hand, a FSBO attracts buyers who are looking for deals. The result is that many FSBOs end up selling for up to 20 percent less on average as compared with sellers who hire a Realtor. I used to sell cars. If you visit Kelly Blue Book’s website, you can enter data about your used vehicle and find out how much someone will pay for your car if you were to sell it on your own versus the price a dealer could get for the car. The dealer gets a lot more. The same goes for real estate and using an agent.

5. You Pay Either Way – Most FSBO decide to sell on their own because they think they will be saving money by not paying a commission. But, a buyer might have a contract with a realtor that states that they will pay a buyer’s agent commission of 3% (for example) and if the seller does not pay it, then the buyer must. The buyer will factor it into the price of the house. FSBOs should state in their advertising what commission they will pay a buyer’s agent. FSBOs will get more buyer agents to bring their clients in. If there is a buyer’s agent involved, you will be paying her/him either as a straightforward commission or the buyer will deduct it from the price of the house.

6. Buyer Perception – Along the same lines regarding qualified buyers, it’s easy for buyers to question a FSBO. Buyers think a FSBO is broke; otherwise they would’ve hired a professional real estate agent. If the seller is broke, then what happens if the home doesn’t appraise for the agreed price? What if the inspection report reveals the furnace and roof are on their last leg and need replacing? FSBOs deter those buyers who are willing to pay top dollar. These types of buyers aren’t likely to purchase from someone who might have also cut corners on their home instead of paying a professional to fix the plumbing, electrical, roof, etc.?

7. Buyers seek rich content — 
A realtor will list your property on the local Multiple Listing Service (MLS), which is the primary tool used by buyer’s agents who can bring qualified buyers to see your home and make offers. In addition, an agent’s broker publishes your listing to hundreds of websites, helping your property stand out online.

8. Instant gratification —
Potential buyers searching the internet are seeking instant gratification. Most will only visit a website once and stay for 15-30 seconds. If a FSBO has no strategy for capturing the lead’s contact information or for immediately following up, the lead moves on to the next website. Even if the lead does contact the FSBO, unless the buyer gets back to the FSBO quickly, that lead is gone.

9. The needle-in-the-haystack effect
A major challenge for FSBOs is the needle-in-the-haystack nature of the internet. There are millions of websites including the hundreds of thousands of company and agent sites. Without search engine optimization, meta tags and a host of other branding strategies to achieve high Google search placement, the probability of the online buyer finding the FSBO’s single listing online is small.

Of course, you could post on sites such as ForSalebyOwner.com, ByOwnerMLS, or utilize the “Make Me Move” feature on Zillow. The challenge is that unless the buyer specifically wants to purchase a FSBO, it’s much more efficient to search on the brokerage or MLS sites.

The FSBO could also put his home on Craigslist. There are two challenges, however. First, the FSBO has to repost the ad regularly for it to appear near the top where it can be found. Second, there have been so many rental scams and unsavory people using that site to identify targets for possible criminal activity that listing there could be a major safety issue.

10. Internet leads are reluctant to share contact information —
Another issue FSBOs must face is that most Web buyers are reluctant to provide contact information to a stranger, especially during the search process. Instead, buyers identify homes they want to see and then normally contact a single agent who can show them everything they want to see, not just a single home. Buyers are actually more comfortable working through an agent.

(Portions of this post were adapted from articles published lightersideofrealestate.com: “5 reasons you shouldn’t buy a For Sale By Owner (FSBO) home” and on inman.com: “8 reasons FSBOs should list with a realtor.”)

 

Get Your Free Home Value Now!
Sylvia’s Website
Ultimate Guide to Home Selling
Homes Close to Where You Work
Free Home Values
Avoid Foreclosure
MY REVIEWS
Sylvia Dana
Realtor
Coldwell Banker AJS-Schmidt, 3744 28th St. SE, Grand Rapids, MI 49512
616-570-8864
Licensed In: MICHIGAN
License #: 6501400118
Contact Me

You Can Also Visit Us At:        

Posted in For Sale By Owner, Selling Tagged with: , , ,