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On:
Jul 9, 2009 12:07 PM CDT
By Capitol Federal Just as Capitol Federal's foundation strength is based on growing its capital reserves, that is exactly what each family must do to be able to meet any future economy. It has been said, "Pay yourself first." Determine how much of each paycheck your family can set aside as "reserves," then open a separate savings account for those funds. Knowing that you should maintain at least six to eight months in "reserves," you'll be surprised how quickly you are able to save. Track exactly how much each member of the family is spending per month. Discuss which expenditures are "needs" and which are "wants," then decide where to cut in order to save. To maintain the strength of your family budget, always pay your bills on time, and do not purchase beyond your means. Watch for sales and use coupons, clipping them from the newspaper or searching for them online. Review your insurance once a year. Preventative maintenance on the home, car and your family's health is vital. Protect your family from identity theft and occasional errors that need correction on your credit report. It is best to correct these errors immediately than for them to sit in your credit report unchallenged. Check your credit report from each of the major credit reporting agencies once a year. Visit annualcreditreport.com or the three agencies at: Equifax (equifax.com), Experian (experian.com) and TransUnion (transunion.com). Whether you're newlyweds just starting out in life, have a growing family or heading to retirement, these basic budgeting tips can allow your savings to grow. Keep your family's budget plan healthy through the years, building on your reserves, so when difficult financial times arise, you will be prepared. BUDGET BASICS MONTHLY WORKSHEET: INCOME: _____________________ |
Posts:
5
Christy Stinger  |
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On:
Jul 9, 2009 12:07 PM CDT
In the past few days, I've had several REALTORS® call looking for quick, easy-to-access short sales webinars that they can use themselves, or use in a sales meeting. So I went looking, and here's what I've found -- for FREE -- from your REALTOR® Association. Please note that KAR is also teaching CE classes on short sales at various locations across the state this year. Check KansasRealtorEducation.com for dates and times. Until then ... NAR Short Sales Webinar (from March 12, 2009)This is about 61 minutes long, and when you click on “PLAYBACK” the slides come up, and you can see the timer going in the bottom left hand corner, but the audio doesn’t actually start until about 50 seconds in – don’t panic like I did!! You will need to sign on to Realtor.org to get this information - but it's free and easy. Here’s the information on this webinar: * Basics and best practices on handling a short sales from the listing and selling sides. * Taught by Scott Thompson, a real estate broker and the head of Mortgage Resolution Services, a distressed-sales specialist.https://realtors.webex.com/ec0600l/eventcenter/recording/recordAction.do;jsessionid=f60LJNdWrr2lqt2TFnckQTDqq0c1VW2pvqQ5hhfRKFQC9MqFC521!-1974342558?theAction=poprecord&actname=%2Feventcenter%2Fframe%2Fg.do&apiname=lsr.php&renewticket=0&renewticket=0&actappname=ec0600l&entappname=url0106l&needFilter=false&&isurlact=true&entactname=%2FnbrRecordingURL.do&rID=31334677&rKey=0A47780CB8D5BB39&recordID=31334677&rnd=5534933563&siteurl=realtors&SP=EC&AT=pb&format=short Freddie Mac Short Sales Webinar (October 2008) * Freddie Mac's mission to homeowners; This is a document that NAR created that might be a good basis for a sales meeting for you. http://www.realtor.org/MemPolWeb.nsf/pages/ShortSaleWorkflow?OpenDocument Hope it helps! |
Posts:
5
Christy Stinger |