Long Beach Foreclosure Homes Fulfil a Dream for Some

Long Beach Foreclosure Homes Fulfil a Dream for Some

There is a silver lining in the cloud overhanging Long Beach Foreclosure Homes. At last a first home dream come true may be possible for young couples and families previously shut out of a superheated housing market. When Downtown Long Beach “affordable” homes reached an average $350,000 late 2005, most young buyers could no longer imagine ever owning their own home.

What a difference a couple of years makes in California! Now those buyers with excellent credit records and cash for a hefty deposit can start looking again as prices head down month by month.

If they find the sellers still a little inflexible with list prices, well then, there is an increasing number of sought after single family homes with yards, working couple condos and Downtown lofts for the career focused, all available in various stages of foreclosure. Sellers unable to meet mortgage payments, unable to refinance and Banks and Lenders with hefty stocks of foreclosed homes, all know that the property that will sell in this cold, cold market is the discounted property.

Where do the shattered families go after selling to avoid foreclosure or losing their home to the lender or at the foreclosure auction? Affordable rental property has never been freely available in Long Beach and demand must eventually exceed supply as the family income earners coming out of a foreclosure look for accommodations to stay near their jobs.

Now is the time to invest in foreclosure property for rental income, excellent occupancy rates are assured for affordable rental housing, single and multi family units, condos and bungalows. California Heights, Wrigley Heights, Lakewood and Signal Hill are all communities where some affordable rental housing already exists.

Rental occupancy rates will go from average to excellent. Look for foreclosure leads in these sought after neighborhoods and many others from the waterfront to inland, from Downtown to Alamitos Bay.

Author: philip smith

About the Author:
Philip Smith is the writer of http://www.foreclosuredatabank.com. Your Source of Long Beach Foreclosure Homes online.

What Can A Credit Card Counseling Profit Company Do For Me

What Can A Credit Card Counseling Profit Company Do For Me?

Are you so far in debt you can't see any way out? Are you in danger of loosing your automobile or even your home? Now is the time to take action before your home goes into foreclosure or you have to resort to bankruptcy.

Credit card counseling debt consolidation non profit companies may be the way for you to pull yourself up out of the crushing weight of your bills and be able to breathe freely again knowing you are taking steps to pay off your debts.

You ask what a credit card counseling debt consolidation non profit company can do for you? Let me count the ways.

1. Eliminate your credit card debt by up to 70%.
2. Phone calls from bill collectors will stop.
3. Consolidate your bills into one low monthly payment.
4. Instantly reduce your debt and interest charges.
5. Credit Counselors will work with your creditors to bring down your payments.
6. Relax and let the credit card counseling debt consolidation non profit company take care of disbursing payments to your creditors.
7. You pay one payment to the company and they will see that your bills are paid on time.
8. You will receive a monthly statement of the bills that have been paid and when.
9. You will still receive statements from your creditors.

Credit cards normally have an annual interest rate between 18% and 24%. If you make only minimum payments you will be still paying on them in 30 years. When you take advantage of the services of a credit card counseling debt consolidation non profit company you will be able to reduce your interest rate and eliminate late fees in some cases. Your creditors will get their money and you will save or at least repair your credit rating. Everyone wins and you will reduce the length of time it will take to get out of debt.

One important thing to remember is that, as with any type of business, you need to do your homework before you enter into an agreement with a debt consolidation company. There have been some of these companies who have taken the money from clients and used it for their own designs, stating that the monthly amount was a fee for their involvement. Others have not paid the bills on time and the client's credit was ruined.

Make sure you are clear about how much they will charge for a fee. You will also need to make it clear that you expect the money to be disbursed to your creditors as soon as they receive it. Debt consolidation can be a godsend but you need to make yourself clear and make sure they are clear about how they do business.

In the long run, as long as you are aware of the problems with some of these companies you have the advantage. A reputable credit card counseling debt consolidation non profit company can help you get back on track with your credit and any other financial problems you may be having.

You can soon be debt free too. Check out Debt Consolidation Help.

Author: Li Ming Wong

Occupation: Internet Marketing Entrepreneur
Li Ming Wong is an internet marketing entrepreneur. Visit Making Money Online Blog for tips and guide to starting your own online business at http://www.limingwong.com. How To Make Money Online - Free Ebooks Download, register for free at http://www.how2-makemoney-online.com.
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Want to compare car insurance young drivers in Britain Broker or Direct

Want to compare car insurance young drivers in Britain - Broker or Direct?

This short report aims to assist you in getting lower premiums. Many techniques are available to help reduce your car insurance young drivers in Britain monthly costs. Some involve finding the right companies to get quotes from although other methods take place over a longer period and take some time to reduce the price of your cover.

Some of the methods will not work for you but if you a searching for car insurance young drivers in Britain lots of ideas and techniques are given to help you reduce the costs with your insurer.

Areas we will be looking at are how to pay for your premium, types of cover, motoring club discounts plus much more.

Tip I Don't be rushed ! Once your insurance renewal comes through start to shop around for quotes , don't leave it too late. Always try at least 5 insurers. Read reviews on car insurance providers in the newspapers. Although price is important so are other factors it is important to write the features down and compare them along with the prices.

Tip II What about payments ! If you can afford paying in full is the most cost effective option. nearly all insurance providers make extra money on car insurance young drivers in Britain by charging interest for direct debit payments. If you can't afford to pay in one then paying on your credit car could be a better alternative. Check first but in many cases the APR charged by the insurer will be higher than the Mastercard or Visa company.

Tip III Do all named drivers drive ? Unless the driver is your spouse then naming one normally costs extra. If the drivers are younger than 25 years old then the costs will be much higher. The trick is to name only those that will actually drive. Sometimes if the person you need to name has their own vehicle they will have the driving other cars extension anyway so could drive you motor on a third party only basis. Depending on the value of your vehicle third party cover may be satisfactory or not. Many insurance companies will allow you to add an additional driver temporarily mid term through your insurance year.

What now ?

Ensure that the correct steps above have been undertaken then read below. For car insurance young drivers in Britain we recommend you visit this site Young Learner Drivers Car Insurance

Damian is the owner of many finance related websites. Including mortgage, loans and debt advice. For more information visit http://www.gooddriverinsurance.co.uk

Author: dyouell

New Study Reveals Rise In Financial Confidence

New Study Reveals Rise In Financial Confidence

Britons’ faith in their financial situation is improving, new figures reveal.

Britons' are more confident about their financial future according to new figures.

In a study released by GfK NOP earlier today, the Consumer Confidence Index score increased by two points over the course of August to now stand at -4. Research from the financial services firm revealed that the climate among members of the public to make major purchases returned to a positive score over the duration of this month. Increasing by six points, the score now stands at +4 and was reported to have driven the general rise in Britons' consumer confidence - however, this is still three points down from the same time last year.

Meanwhile, the savings index, which judges people's propensity to set money aside for a rainy day, was said to be at a record level. With a rating of +42, it is currently at its highest level since late in the 1980s and is 12 points above the scores in August of Last year.

Over the month, the index measuring changes in consumers' views on their personal financial situation, which may include their ability to put money into savings accounts and pay off loans, rose to +2 - some two points higher than the study noted when it was carried out during the same month in 2006.

The public's optimism regarding their financial situation over the next twelve months however, was not as rosy with a slight fall noted. Although a decrease of one was noted from July statistics to a present level of +12, this figure was still reported to be higher than the index recorded in August 2006. In addition, a fall was recorded in expectations over Britain's general economic situation in the coming year. The second consecutive decrease, this index now stands at -15. Meanwhile findings from GfK NOP showed that consumers' measure about Britain's general economic situation during the past year stayed consistent at -25.

Remarking the findings, Rachael Joy from the financial services firm's consumer confidence team said: "This month consumers confidence in the major purchase index has been boosted as shown by an increase of six points. This August they also appear happier about the economy in general compared to this time last year, which could be a reflection of lower inflation rates, a buoyant housing market and good savings rates being offered. Next month it will be interesting to see if consumers continue with this upbeat attitude, or if the threat of more interest rate increases, more rain and an unstable US market begin to take their toll."

And with elements of the GfK NOP study revealing some concern about consumers' financial outlook, those worried about managing their finances could be well advised to take out a debt consolidation loan to rein in their monthly outgoings. Earlier this month, Adrian Kidd, a spokesperson for Mint Financial Services, claimed that getting such a loan could be a much better option than running up debts owed on various credit cards. However, he warned Britons to cut up their cards immediately so as to avoid the temptation of going into the red once again, otherwise they "never really make any progress".

ABOUT THE AUTHOR

Abbi Rouse is Editor in Chief for All About Loans. Our visitors have access to online loans of all types: From home improvement loans to bad credit debt consolidation loans. Visit our site today: http://www.allaboutloans.co.uk
By Abbi Rouse