Pftown- Articles and Information about Business and Finance.

Return address labels can save a lot of time when working with regular mail. The time saving labels are a must during bill-paying and they are useful in many other instances throughout the year.

The last thing that you want to do is fill out your name and address over and over again, and those of us who pay most of our bills the old-fashioned way find the return address labels very useful. The stickers can save the person who is writing the bills the hassle of repetitive writing and may also help prevent writer’s cramp. Read the rest of this entry »

Note: A recent court order regarding Vonage.

Find the best VOIP service for your needs.

If you’re wondering how to save big money on your phone bills, VoIP can help. VoIP stands for Voice over Internet Protocol. VoIP has gone from little known a few years ago to widespread use today. Why are millions of business and residential customers using VoIP everyday? Read the rest of this entry »

(ARA) – Mother Nature hasn’t been too kind to homeowners or insurance companies during the past year, most recently to Hurricane Katrina victims along the Gulf Coast.

Six hurricanes made landfall in the United States last year, four of them causing more than $42 billion dollars in damage in Florida; over Memorial Day Weekend 2004, tornadoes, high winds and heavy thunderstorms caused hundreds of millions of dollars in damage from Louisiana to the Great Lakes; and just this past March, a hail storm caused $100 million dollars in damage in Central Texas in a matter of minutes. Read the rest of this entry »

Questions to Ask When Requesting a Home Loan

A home loan may be the largest single dollar amount that you will request. The process of securing a home loan can be very intimidating. The finance representative that may be processing your loan may not be as accessible as you would like and Read the rest of this entry »

Renovating a Home Built Before 1978? Read the rest of this entry »

What factors determine your Homes Value
Several factors must be considered when determining the asking price of a home.
1) Urgency of the sale.
If the homeowner is facing foreclosure-or the prospect of paying mortgage payments & monthly bills on a house that must be left vacant, obviously the asking price may need to be reduced.
2)Competition.
If your home is in a desirable neighborhood, its value to prospective buyers will increase if there are few homes available in that area.
3)Comparative Value.
Agents tend to price a home in line with other similar property in your area.
4)Transferable Loan
If your home has a loan at a favorable rate that can be assumed. (like VA or FHA), the buyer may be inclined to pay more for your home in exchange for lower mortgage payments in the future.

The following factors are of little or no value in pricing a home.
1)Your cost. (Buyers are only interested in paying a fair price)
2)Assesed property tax value. (Property taxes are often not in line with a homes true worth.)
3)Insured Value (The cost of rebuidling a home is often not an accurate guide to market value.)
4)Your needs and emotions (Supply & demand are the overriding factors in home sale prices.)
Tip:
If you are uncomfortable with your real-estate agents pricing of your home, consider.
1)Contacting other agents for their opinion.
2)Getting a professional appraisal.

Buying a House? Here are some tips to help avoid home-loan heartbreak. Read the rest of this entry »

Buying or refinancing a home is one of the most important financial decisions you will ever make, so it’s important not to fall prey to a predatory lender or bad home loan.

Who are Predatory Lenders? Read the rest of this entry »