Forum di prova - Besides the emotional upheaval of uprooting from your home earasryhqaey - 26 Set 2019 05:23:23 Oggetto: Besides the emotional upheaval of uprooting from your home
Besides the emotional upheaval of uprooting from your home
, your property is most likely the biggest investment you have ever made, and its sale causes financial stress as well. You must protect your investment nest egg and secure your future.
Not only do you want the highest sales price, you want to make sure you don't pay too much in selling costs. If you feel comfortable showing your home and handling some details yourself, check out flat-fee real estate brokers who list homes on the MLS for a lower price than the usual six percent commission.
However, note that a great listing agent may be able to sell your home for more money and make sure that you don't pay more than your fair share of closing costs.
A friend of mine just sold her home. The first offer brought to her had her paying the seller's closing costs. Her listing agent didn't make this clear to her. This is why you must understand what the sales contact means to you
, in detail. Her second offer--the one she signed--has the buyers paying their fair share of closing costs, plus they put up a $5,000 deposit and $140,000 down. This secure offer will pay her thousands more than the first offer.
Do some research and reading about the selling costs, real estate commissions
, and sales price before you list your home.
Ask your agents to give you a net sheet. Look at all the costs to you. If you don't understand what an expense means, ask.
Don't just consider where you're moving to and how to unload your current house. Keep your emotions under control. Protect your equity. Selling your home and moving on can be a great financial boost to you when you pay attention to the bottom line.
Copyright (c) Jeanette J. Fisher. All rights reserved.
I am convinced that financial stability in retirement requires more than receiving standard government pensions and many people reach retirement age too financially insolvent to actually retire. Additional pensions, significant savings or some form of ongoing entrepreneurial revenue is needed to help people survive in retirement without undue financial stress. I have been exposed to and have seen how retirees struggle and I write this to raise awareness about this issue and to offer some suggestions to those concerned about their futures when they reach this time of life.
I recently attended in our community a weekly trade fair where I viewed a number of retirees sitting at tents and behind tables selling their wares to consumers - through conversations I learned that several were doing this in an attempt to maintain at least a subsistence level of monthly income to help pay their rent, costs of prescription ***** and other basic monthly costs.
Doing some research on this recently, I learned that standard Canadian pensions (CPP and OAS) at the rough maximum a married couple can expect to receive if both people worked their lives through
, nets them collectively about $22,000 per year. Now, if you were born in 1958 or later, you also don't collect OAS until you are 67 - not 65 any longer. This contributes to the need for many of the elderly to work to later years in life in order to survive retirement financially - as the average retired middle-class couple owning their own home, require statistically
, approximately $40,000 per year to live comfortably. Supporting this, a recent Bank of Montreal survey shows 59% of respondents stating that they will have to supplement their pension incomes through continuing to work after retirement.
It is difficult for many in low to mid level salaried positions without company pensions to expect to be comfortable in retirement unless they initiate some significant entrepreneurial action or personal savings program of their own years before retirement is reached - in fact, I wonder why we call it retirement any longer at all - it's become just a shifting for most to other jobs. So this is my raising of the awareness part of this article - Take Action!
Build things you can sell online, become a sales affiliate for some direct selling organization
, try consulting in some capacity, start an online business of some sort (YouTube content creator, shopping portal, online publishing or editing, freelance writing
, website creation, etc.). There are any number of things a person can do to build that additional nest-egg one will need as one leaves the primary work-force - and your best energy years for this are now!
There are many "on the side" opportunities one can take to build a second income stream prior to retirement. The key is to do it - If you don't try or fear to try, you may potentially be looking at some very bleak retirement years ahead. Don't let that happen to yourself.
Think about your skills, what you have to offer the world that people may be interested in purchasing and find something to do that can both fill a passion and earn some revenue for you. If at all possible, find something that ultimately can earn you revenue without having to work too hard for it. Something that has the potential to earn you significant revenues for your effort - not something that just trades your time for money.
The move is purely over used games
Posted by fanzhou on December 21st
, 2016
The company's apparently gained the support of retailer GameStop, which has been watching with a close eye efforts on the part of publishers to discourage its thriving used games business. According to the retailer, encouraging premium content add-ons still benefits GameStop, since it sells Cheap RS Gold PlayStation Network and Microsoft Points cards. It praised EA's Online Pass as "forward-thinking.""This relationship allows us to capitalize on our investments to market and sell downloadable content online, as well as through our network of stores worldwide
," said GameStop president Dan DeMatteo.Added EA Sports' Moore: "Were delighted that GameStop is offering their support of this program as a p.
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