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Get real about Home Businesses!!!
Copyright 2005 Michelle Cornes Are you thinking it might be time to take control and work for yourself? The degree to which YOU are up for this challenge is everything. Here are some of the things about yourself that you really need to be...
How To Realistically Set Your Fees - Part 4
Effect Of Bad Debts So far, we have covered the major factors involved in setting your fee structure. We have set a realistic number of billable hours, calculated the effect of expenses and taken into account the cost of a benefit package. ...
Selling Your Business - A Tool To Reduce Taxes
SELLING YOUR BUSINESS – A TOOL TO REDUCE THE TAX BITE By David M. Kauppi, MBA, CEA, CBI, President Mid Market Capital “I would rather expire at my desk than to sell my business and pay Uncle Sam one dime in taxes.” How many owners that have paid...
Tax Trap #1: Waiting to Incorporate: What A Difference A Date Can Make
NOTE: This is the first in a series of 5 articles: "Small Business Tax Traps and How To Avoid Them" If you're a sole proprietor, perhaps you've considered incorporating your small business or self-employment activity. And so maybe you've been...
Understanding Employee Taxes
Employee taxes can be one of the most difficult to understand areas of running a business and hiring employees. If you don't understand all of the complexities involving employee payroll tax, it can also get you into a heap of trouble. The...
 
Conditions Are Right For Buying The Higher Priced Home You’Ve Always Wanted


Higher interest rates and home prices in the past have kept home owners from purchasing larger homes. The current real estate market conditions, however, are encouraging for many home owners who want to “buy up” to higher priced homes with more to offer.

If you are considering trading up for a larger and more expensive home, conditions for doing so couldn’t get much better. Interest rates are the lowest they’ve been in two decades, and home prices in many regions are the most affordable they’ve been in years.

You should consider a few factors before reaching a decision to trade up:


  • Can you afford higher mortgage payments and property taxes?

  • Is your credit record solid enough to qualify for the probable higher monthly mortgage payments?

  • Do you plan to stay in your new home long enough to recoup your investment?


Obviously, you’ll need to sell your current home before getting serious about trading up to a new one. A healthy real estate market indicates that you’ll have little trouble selling your existing home. The national Association of Realtors reported in August that sales of existing single-family homes are rising steadily, especially among first-time buyers. Affordable home prices and low interest rates could make the starter home you purchase several years ago particularly attractive.

If you can afford the up-front cost, you may

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want to consider switching the fixed-rate mortgage on your old house for an adjustable rate on a new one. This could allow you to trade up without increasing your monthly payments.

The type of mortgage you choose also depends on how long you plan to stay in your new home. A good mortgage lender can advise you on whether a fixed-rate is an advantage is you’re planning on staying for more than 10 years. A fixed-rate may be better for long term owners who don’t want to worry about rising mortgage payments.

Trading up may not be worth the move if you’re planning on living in the new home for only a couple of years. You might have to stay three to five years for your house to appreciate enough to recoup the closing costs.

Conditions for a move-up haven’t been this good in many years, and you may not want to wait much longer to consider it. An experienced real estate broker can help you decide if buying a new house now is a good investment for you.

W. Troy Swezey is the author of “CONDITIONS ARE RIGHT FOR BUYING THE HIGHER PRICED HOME YOU’VE ALWAYS WANTED." As a Realtor at Century 21 Paul & Associates, he has helped many individuals with their real estate needs. Visit his web site to download his free e-book, “REAL ESTATE SECRETS EXPOSED.” http://www.TroyIsMyRealtor.com or mail to: TroyC21@usa.net