#1 percent down payment programs

[mfi-miami]

Zillow Home Loans Launches 1% Down Mortgages

Zillow Home Loans Launches 1% Down Mortgages In An Attempt To Compete With Rocket And UWM Zillow Home Loans announces it is launching a 1% Down Payment program. The new Zillow program would allow eligible first-time home buyers to pay as little as 1% down on their next home purchase. Right now, Zillow is only offering the program to first time Arizona home buyers. However, the company plans to…

[thelistingteammiami]

Tips for Younger Homebuyers: How To Make Your Dream a Reality

Tips for Younger Homebuyers: How To Make Your Dream a Reality

If you’re a member of a younger generation, like Gen Z, you may be asking the question: will I ever be able to buy a home? And chances are, you’re worried that’s not going to be in the cards with inflation, rising home prices, mortgage rates, and more seemingly stacked against you.

While there’s no arguing this housing market is challenging for first-time homebuyers, it is still achievable, especially if you have professionals on your side.

Here are some helpful tips you may get from a pro.

1. Explore Your Options for a Down Payment

If a down payment is your #1 hurdle, you may have options to give your savings a boost. There are over 2,000 down payment assistance programs designed to make homeownership more achievable. And, that’s not the only place you may be able to get a helping hand. While it may not be an option for everyone, 49% of Gen Z homebuyers got money from loved ones that they used toward a down payment, according to LendingTree.

And chances are you won’t need to put 20% down (unless specified by your loan type or lender). So be sure to work with a trusted mortgage professional to explore your options, find out how much you’ll really need, and learn about any guidelines on getting a gift from loved ones.

2. Live with Loved Ones To Boost Your Savings

Another thing a number of Gen Z buyers are doing is ditching their rental and moving back in with friends or family. This can help cut down your housing costs so you can build your savings a whole lot faster. As Bankrate explains:

“. . . many have opted to stop renting and live with family in order to boost their savings. Thirty percent of Gen Z homebuyers move directly from their family member’s home to a home of their own, according to NAR.”

3. Cast a Broad Net for Your Search

When you’ve saved up enough, here’s how a pro will help you approach your search. Since the supply of homes for sale is still low and affordability is tight, they’ll give you strategies and avenues you may not have considered to open up your pool of options.

For example, it’s usually more affordable if you consider a rural or suburban area versus an urban one. So, while the city may be livelier and more energetic, the cost of living may be reason enough to look at something further out. And if you consider smaller homes and condos or townhouses, you’ll give yourself even more ways to break into the market. As Colby Stout, Research Analyst at Bright MLS, explains:

“Being flexible on the types of home (e.g., a condo or townhome versus a single-family home) and exploring more affordable neighborhoods is important for first-time buyers.”

4. Take a Close Look at Your Wants and Needs

And lastly, an agent can help you really think about your must-have’s and nice-to-have’s. Remember, your first home doesn’t have to be your forever home. You just need to get your foot in the door to start building equity. If you want to buy, you may find making some compromises is worth it. As Chase says:

“An open-minded approach to house-hunting may be one way for Gen Z homebuyers to maintain some edge. This could mean buying in areas that are less expensive. Differentiating needs vs. wants may help in this area as well.”

An agent will help you prioritize your list of home features and find houses that can deliver on the top ones. And they’ll be able to explain how equity can benefit you in the long run and make it possible to move into that dream home down the line.

Bottom Line

Real estate professionals have expertise on what’s working for other buyers like you. Lean on them for tips and advice along the way. As Directors Mortgage says, with that support you can make it happen:

 “The path to homeownership may not be a straightforward one for Gen Z, but it’s undoubtedly within reach. By adopting the right strategies, like exploring down payment assistance programs and sharing living costs with relatives, you can bring your dream of owning a home closer to reality.”

 Let’s connect to get you set up for long-term success.

[localrealestateagent-1]

Tips for Younger Homebuyers: How To Make Your Dream a Reality

If you’re a member of a younger generation, like Gen Z, you may be asking the question: will I ever be able to buy a home? And chances are, you’re worried that’s not going to be in the cards with inflation, rising home prices, mortgage rates, and more seemingly stacked against you.

While there’s no arguing this housing market is challenging for first-time homebuyers, it is still achievable, especially if you have professionals on your side.

Here are some helpful tips you may get from a pro.

1. Explore Your Options for a Down Payment

If a down payment is your #1 hurdle, you may have options to give your savings a boost. There are over 2,000 down payment assistance programs designed to make homeownership more achievable. And, that’s not the only place you may be able to get a helping hand. While it may not be an option for everyone, 49% of Gen Z homebuyers got money from loved ones that they used toward a down payment, according to LendingTree.

And chances are you won’t need to put 20% down (unless specified by your loan type or lender). So be sure to work with a trusted mortgage professional to explore your options, find out how much you’ll really need, and learn about any guidelines on getting a gift from loved ones.

2. Live with Loved Ones To Boost Your Savings

Another thing a number of Gen Z buyers are doing is ditching their rental and moving back in with friends or family. This can help cut down your housing costs so you can build your savings a whole lot faster. As Bankrate explains:

“. . . many have opted to stop renting and live with family in order to boost their savings. Thirty percent of Gen Z homebuyers move directly from their family member’s home to a home of their own, according to NAR.”

3. Cast a Broad Net for Your Search

When you’ve saved up enough, here’s how a pro will help you approach your search. Since the supply of homes for sale is still low and affordability is tight, they’ll give you strategies and avenues you may not have considered to open up your pool of options.

For example, it’s usually more affordable if you consider a rural or suburban area versus an urban one. So, while the city may be livelier and more energetic, the cost of living may be reason enough to look at something further out. And if you consider smaller homes and condos or townhouses, you’ll give yourself even more ways to break into the market. As Colby Stout, Research Analyst at Bright MLS, explains:

“Being flexible on the types of home (e.g., a condo or townhome versus a single-family home) and exploring more affordable neighborhoods is important for first-time buyers.”

4. Take a Close Look at Your Wants and Needs

And lastly, an agent can help you really think about your must-have’s and nice-to-have’s. Remember, your first home doesn’t have to be your forever home. You just need to get your foot in the door to start building equity. If you want to buy, you may find making some compromises is worth it. As Chase says:

“An open-minded approach to house-hunting may be one way for Gen Z homebuyers to maintain some edge. This could mean buying in areas that are less expensive. Differentiating needs vs. wants may help in this area as well.”

An agent will help you prioritize your list of home features and find houses that can deliver on the top ones. And they’ll be able to explain how equity can benefit you in the long run and make it possible to move into that dream home down the line.

Bottom Line

Real estate professionals have expertise on what’s working for other buyers like you. Lean on them for tips and advice along the way. As Directors Mortgage says, with that support you can make it happen:

“The path to homeownership may not be a straightforward one for Gen Z, but it’s undoubtedly within reach. By adopting the right strategies, like exploring down payment assistance programs and sharing living costs with relatives, you can bring your dream of owning a home closer to reality.”

Let’s connect to get you set up for long-term success.

[nsrealestate]

Tips for Younger Homebuyers: How To Make Your Dream a Reality

If you’re a member of a younger generation, like Gen Z, you may be asking the question: will I ever be able to buy a home? And chances are, you’re worried that’s not going to be in the cards with inflation, rising home prices, mortgage rates, and more seemingly stacked against you.

While there’s no arguing this housing market is challenging for first-time homebuyers, it is still achievable, especially if you have professionals on your side.

Here are some helpful tips you may get from a pro.

1. Explore Your Options for a Down Payment

If a down payment is your #1 hurdle, you may have options to give your savings a boost. There are over 2,000 down payment assistance programs designed to make homeownership more achievable. And, that’s not the only place you may be able to get a helping hand. While it may not be an option for everyone, 49% of Gen Z homebuyers got money from loved ones that they used toward a down payment, according to LendingTree.

And chances are you won’t need to put 20% down (unless specified by your loan type or lender). So be sure to work with a trusted mortgage professional to explore your options, find out how much you’ll really need, and learn about any guidelines on getting a gift from loved ones.

2. Live with Loved Ones To Boost Your Savings

Another thing a number of Gen Z buyers are doing is ditching their rental and moving back in with friends or family. This can help cut down your housing costs so you can build your savings a whole lot faster. As Bankrate explains:

“. . . many have opted to stop renting and live with family in order to boost their savings. Thirty percent of Gen Z homebuyers move directly from their family member’s home to a home of their own, according to NAR.”

3. Cast a Broad Net for Your Search

When you’ve saved up enough, here’s how a pro will help you approach your search. Since the supply of homes for sale is still low and affordability is tight, they’ll give you strategies and avenues you may not have considered to open up your pool of options.

For example, it’s usually more affordable if you consider a rural or suburban area versus an urban one. So, while the city may be livelier and more energetic, the cost of living may be reason enough to look at something further out. And if you consider smaller homes and condos or townhouses, you’ll give yourself even more ways to break into the market. As Colby Stout, Research Analyst at Bright MLS, explains:

“Being flexible on the types of home (e.g., a condo or townhome versus a single-family home) and exploring more affordable neighborhoods is important for first-time buyers.”

4. Take a Close Look at Your Wants and Needs

And lastly, an agent can help you really think about your must-have’s and nice-to-have’s. Remember, your first home doesn’t have to be your forever home. You just need to get your foot in the door to start building equity. If you want to buy, you may find making some compromises is worth it. As Chase says:

“An open-minded approach to house-hunting may be one way for Gen Z homebuyers to maintain some edge. This could mean buying in areas that are less expensive. Differentiating needs vs. wants may help in this area as well.”

An agent will help you prioritize your list of home features and find houses that can deliver on the top ones. And they’ll be able to explain how equity can benefit you in the long run and make it possible to move into that dream home down the line.

Bottom Line

Real estate professionals have expertise on what’s working for other buyers like you. Lean on them for tips and advice along the way. As Directors Mortgage says, with that support you can make it happen:

“The path to homeownership may not be a straightforward one for Gen Z, but it’s undoubtedly within reach. By adopting the right strategies, like exploring down payment assistance programs and sharing living costs with relatives, you can bring your dream of owning a home closer to reality.”

Let’s connect to get you set up for long-term success.

[kristenbrady]

Ready To Start Your Own Homestead? How to Buy Land If You’re Broke.

Fast forward to 2020. After 2020, momentum started slowing down. When the pandemic hit, all of a sudden, everyone was becoming a writer and working from home (they had no choice). So the market became extremely oversaturated. As time went by, AI (artificial intelligence) started taking over writing tasks, people started turning to video instead of the written word (blogging) to absorb information, and then people started doing their own writing to save money. Companies started hiring people overseas to handle the writing and other virtual assistant tasks. My client list was significantly dwindling… Today, I have not one client.

So I had to make the decision, do I go back and work in the restaurant business (the only skill I had) or something else? Well I decided to start working Uber and Doordash to pay the bills and continue to write on Medium. I came across Medium in 2020 when I was working for a client who was starting a podcast and we tried Medium as a way to spread the word. I liked the way you could start the Partner Program and make money and so I started my own profile.

But I think I’m getting tired of striving to make money. I think for 2024 and beyond, I’m going to focus more on how to save money, how to be content with what I have, and how to escape the rat race and go off the grid by buying a piece of land and slowly trying to build up a homestead. I’ve always toyed with the idea, but it’s starting to become more and more intriguing to me.

My sister-in-law bought her own land and now she lives rent free, in an RV. Her husband built a well and they buy all of their cars cash, so no car payments. They only pay for food, electricity, and the phone bill. Beautiful. I need that.

So today’s post will cover buying a piece of land with no money and no credit. Let’s go!

1. You’re going to scour the papers. The little local papers have the best deals. Obviously, you’re going to get the papers in your county, but cross the line into the other counties around you, if this is the general area you want to live, and get all the papers from all the counties, and then go home and just sit there with a sharpie and scour the papers. What you’re looking for is owner finance.

You’re trying to look for “land for sale by owner” because there’s no way you can go through a bank. A bank is never going to give you a loan because you have no money for a down payment, you have bad credit, or no credit, so forget it. They will not even consider you, but there’s still hope in doing it this way.

2. Once you find a good prospect, call up the owner, and ask them how much they want for the down payment. Just be friendly and honest. I find that’s the best way to be, just be direct, and if she/he says the down payment is too big, just say, “I can’t afford that.” Sometimes you can work out a deal and they’ll lower that down payment, especially if they feel you’re nice and honest and they can work with you.

3. The next question you want to ask them is how much of an interest rate they want on the deal. You want between 8–10 percent. You’re not going to get a fabulous interest rate, like a bank would give you, because you’re just not going to do that when your owner-financing.

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What you’re going to do with that is go on the county website and you’re going to go to the property appraiser’s office. You want the zoning department and you have to look and see if that property is zoned residential/agricultural. That’s a combination of residential / agricultural, that is what you want. Or strictly agricultural. Usually, strictly agricultural is on a bigger piece of property and most likely, if it’s two to three acres, it’s going to be residential / agricultural, which is fine. While you’re looking up the zoning, it has to have the word “agricultural” in there or you’re not going to be able to have a homestead. You’re not going to be able to have the animals, and you want to raise your own food on a homestead.

5. The next thing you want to look up while you’re on that website is to see whether the property is in the hundred years flood zone. You really don’t want a property that’s in a hundred year flood zone because it’s going to be a damp piece of property and if you plan on having animals, that’s never a good thing. If you want your animals to be healthy and problem-free you need dry land. High and dry, it can’t be muddy, damp, swampy, buggy property. It’s just going to be miserable. So, if the zoning and the flood zone check out, and it’s all good to go, you’re going to drive to the piece of property.

Once you get there, and you get out, and you get onto the property, what you want to see, since it’s a small piece of property, is a flat piece of property. You want every inch of that property to be usable, because you know it is a small piece of property on purpose, very intentional. At the same time, you want to be able to use every inch of it while you’re laying out your homestead.

6. The next step is you have to find a title company. The title company does all the research for a fee, they do charge, It does all the research to make sure the person you’re dealing with is the actual owner of that property. It also checks out and makes sure that there’s no liens on that property from the past.

7. The last step is you have your title insurance, you sign the contract, and just seal the deal with your signature and congratulations! You are now a landowner! It is so exciting and most importantly, it’s very doable!

😃Kristen is a contributor on Medium. Sign up here to catch every story when she publishes.

🍉Grab my audiobook on Audible: How to Productize Your Services: How to Make Money While You’re Sleeping or on paperback through Amazon here or eBook through Gumroad here.

🌺Follow Kristen on Substack: https://substack.com/@kristenb

Originally posted on Medium

[winninghomeloans]

First Home Owners Grant Programs

Buying your first home may seem intimidating, but there are many resources available to make the process easier. Some are loans, and others are grants. The main difference is that loans must be repaid while grants do not.

First home owners grant programs offer mortgage and down payment assistance. Program requirements vary by state and county.

1.        Down Payment Assistance

Down payment assistance can come in the form of grants or low-interest loans, and it's usually reserved for borrowers who qualify as first-time home buyers. Many programs also require that borrowers complete a homebuyer education course. Program requirements vary, but some may have income limits and only offer funds for a single-family home, condominium, co-op or manufactured home. Loans typically have deferred payment options and can be forgiven after a certain period of time.

One common requirement is that a buyer must contribute to the purchase through a cash contribution or a zero-interest loan. Additionally, most programs restrict their availability to borrowers who earn no more than 80 percent of the area median income and may enforce minimum credit score requirements. Local and state governments also run programs that are geared toward specific cities, neighborhoods or communities. These often include additional eligibility criteria, such as requiring that a buyer work in a specific field. In the case of a forgivable loan, this means that a homebuyer will have to live in the property for at least five years before the loan is forgiven.

2.        Mortgage Assistance

Homeownership is the centerpiece of many local economies and is important to society, which is why federal and state governments offer incentives and down payment assistance programs. Some of these programs combine 30-year fixed rate mortgage loans with cash grants for buyers who meet income limits and are purchasing their first home.

Those interested in buying their first homes in New York should look for local downpayment programs that can help cover their closing costs. These programs range from grants to SONYMA mortgage loans.

For example, the Housing Opportunities Foundation offers a grant program for those buying their first homes in New York City. There are also various other grants available if you live in Essex, Chemung, Cortland, Schuyler or Tioga Counties. The NeighborhoodLIFT program in Ithaca, New York, offers a payback loan to assist with closing costs for those who qualify. In Suffolk County, a deferred loan is offered to those buying their first homes in Brookhaven, Islip, Huntington or Riverhead.

3.        Homeownership Education

Homebuyer education classes help first-time buyers understand the process of purchasing a home and how to avoid financial pitfalls. CHFA offers these educational workshops on weekday evenings and Saturdays throughout the state through a network of participating counselor agencies.

These educational courses are often required for buyers to receive down payment assistance or qualify for a mortgage Home loans. They teach homeowners how to manage their credit, how to calculate and budget for homeownership costs, and other important topics.

Homeownership education classes are offered by many lenders, real estate agents, and government programs. Some of them are free, but it’s important to make sure that the class you choose is HUD-certified and meets the requirements of the lender or agency you are working with. You should also check if the class is online to be sure you can attend it when it’s convenient for you. Most first home buyers will benefit from attending a homeownership education course.

4.        Tax Credits

There are a variety of federal and state programs that offer credits, deductions and grants to help first-time homebuyers. These incentives can reduce the cost of purchasing a new home significantly.

These incentives can include tax credits that reduce the amount of taxes a person owes, as well as mortgage interest deductions that reduce the amount of money a person needs to spend to purchase a home. Other incentive types can include down payment assistance and homeownership education courses that are required to qualify for certain grant programs.

While these incentive types can save you money when buying a home, the most significant first-time homebuyer financial assistance comes in the form of cash grants. These types of grants do not require you to pay them back and are a great way to mitigate upfront expenses when buying your first home. The Biden first-time homebuyer tax credit is an example of this type of assistance. This bill aims to encourage more people to buy homes and promote economic growth.

[audie02mia]

Amazon Influencer Vs. Affiliate Advertising: Comprehending The Differences

Team Author-Lamb Stern Did you know that 81% of brand names utilize influencer advertising to advertise their products? If you're considering entering the globe of internet marketing, it's essential to understand the differences between Amazon Influencer and Affiliate Advertising. In this short article, we'll break down these two strategies, permitting you to make an informed choice on which path to take. So, grab a cup of coffee and let's study the globe of Amazon Influencer Vs. Affiliate Advertising And Marketing.

The Concept of Amazon Influencer

You should frequently take into consideration coming to be an Amazon Influencer to advertise items and make commissions.

As an Amazon Influencer, you have the possibility to develop an one-of-a-kind storefront where you can display your favorite items and advise them to your fans. This shop enables you to curate a tailored choice of items that line up with your brand and passions. By sharing these items with your target market, you can gain a compensation on each sale made with your storefront. This means that each time someone acquisitions a product with your referral, you receive a percent of the sale. Not just does this provide you the chance to monetize your impact, but it likewise allows you to offer value to your fans by recommending premium items that you genuinely believe in.

Discovering Affiliate Marketing on Amazon

To comprehend the benefits of affiliate marketing on Amazon, it is necessary to discover the different methods and opportunities offered. As an associate online marketer on Amazon, you have the opportunity to advertise a wide variety of items and make a commission for each sale made with your unique affiliate web link. One approach is to produce a niche site or blog site where you can create interesting content and advise products to your audience. You can additionally leverage social media systems to share your affiliate links and advertise items to your followers. Additionally, Amazon supplies different tools and sources to assist you track your performance and enhance your advertising and marketing efforts.

Secret Distinctions Between Amazon Influencer and Associate Advertising

When contrasting Amazon Influencer and Associate Advertising, one crucial difference is the function of material development. related website are 4 key differences that specify the one-of-a-kind elements of each: 1. ** Influencers **: Amazon Influencers focus on producing and sharing interesting web content through their social media platforms. They utilize their individual brand name and impact to promote items and drive sales. Their content is usually extra tailored, authentic, and lifestyle-oriented. 2. ** Affiliates **: Affiliate marketing professionals, on the other hand, primarily concentrate on driving website traffic to Amazon through various advertising and marketing networks. They create content such as blog posts, item evaluations, and comparison write-ups to draw in possible customers. Their web content is extra helpful, unbiased, and tailored towards directing consumers in their investing in decisions. 3. ** Payment Structure **: Influencers earn a compensation with the Amazon Influencer Program, which is based on the sales generated from their advertised products. Affiliates, nonetheless, gain a payment with the Amazon Associates Program, where they obtain a portion of the list price for each and every item bought through their one-of-a-kind affiliate web links. 4. ** Target market Interaction **: Influencers often tend to have a much more devoted and involved target market who trust their recommendations and opinions. Affiliates concentrate on attracting a larger audience and transforming them right into customers via their material and marketing efforts. Understanding these key distinctions can help individuals establish which method lines up far better with their goals and preferences. Verdict Finally, the distinctions in between Amazon Influencer and Affiliate Advertising are like night and day! Amazon Influencer allows you to end up being an effective influencer and showcase your favorite items. Affiliate https://www.forbes.com/sites/forbescommunicationscouncil/2020/04/28/three-tips-for-quickly-adjusting-your-online-marketing-strategy/ and marketing lets you earn payments by advertising and marketing products. So, whether you want to shake the influencer world or generate income with promos, Amazon has got you covered! Do not lose out on these amazing possibilities to radiate and prosper in the on-line industry.

[charlie04fermin]

Amazon Influencer Vs. Associate Marketing: Comprehending The Differences

Posted By-Dalsgaard Banks Did you understand that 81% of brand names make use of influencer advertising to advertise their items? If you're thinking about getting in the globe of online marketing, it's essential to comprehend the differences between Amazon Influencer and Affiliate Advertising And Marketing. In http://www.globenewswire.com/en/news-release/2020/11/12/2125853/0/en/The-10-Digital-Marketing-Experts-To-Watch-in-2021.html , we'll break down these 2 approaches, enabling you to make an educated choice on which course to take. So, grab https://advertisemint-agency.blogspot.com/2023/10/top-amazon-influencers-you-need-to.html of coffee and let's dive into the world of Amazon Influencer Vs. Associate Marketing.

The Concept of Amazon Influencer

You should frequently consider coming to be an Amazon Influencer to promote items and earn compensations.

As an Amazon Influencer, you have the chance to produce an unique shop where you can showcase your favorite products and recommend them to your followers. This shop allows you to curate a customized choice of items that straighten with your brand name and interests. By sharing these items with your target market, you can make a compensation on each sale made through your store front. This indicates that each time a person acquisitions an item with your suggestion, you obtain a percent of the sale. Not just does this offer you the possibility to monetize your impact, yet it additionally permits you to provide value to your followers by advising premium items that you genuinely count on.

Discovering Associate Advertising on Amazon

To comprehend the advantages of affiliate advertising and marketing on Amazon, it is necessary to discover the various approaches and chances readily available. As an associate online marketer on Amazon, you have the possibility to advertise a large range of items and make a payment for every sale made with your one-of-a-kind affiliate link. One technique is to develop a niche web site or blog where you can create interesting material and advise products to your target market. You can additionally utilize social networks platforms to share your associate web links and advertise products to your fans. In addition, Amazon offers various tools and resources to help you track your efficiency and enhance your advertising efforts.

Secret Differences Between Amazon Influencer and Associate Advertising And Marketing

When contrasting Amazon Influencer and Associate Advertising and marketing, one essential distinction is the role of content creation. Here are four crucial distinctions that specify the unique elements of each: 1. ** Influencers **: Amazon Influencers concentrate on creating and sharing engaging material via their social networks platforms. They utilize their personal brand name and impact to promote products and drive sales. Their content is typically a lot more personalized, authentic, and lifestyle-oriented. 2. ** Affiliates **: Associate marketing professionals, on the other hand, primarily concentrate on driving traffic to Amazon via numerous advertising and marketing channels. They produce material such as blog posts, product testimonials, and comparison articles to draw in prospective purchasers. Their material is more helpful, objective, and geared in the direction of leading customers in their acquiring choices. 3. ** Commission Framework **: Influencers earn a payment through the Amazon Influencer Program, which is based upon the sales produced from their advertised items. Affiliates, however, earn a payment with the Amazon Associates Program, where they get a portion of the price for each and every product acquired via their distinct associate links. 4. ** Audience Engagement **: Influencers tend to have a much more dedicated and involved audience who trust their suggestions and point of views. Affiliates concentrate on drawing in a wider audience and transforming them into purchasers via their web content and advertising efforts. Recognizing these crucial distinctions can assist individuals determine which method lines up better with their goals and choices. Conclusion To conclude, the distinctions in between Amazon Influencer and Associate Advertising and marketing resemble night and day! Amazon Influencer allows you to become a powerful influencer and showcase your preferred products. Affiliate Advertising and marketing lets you make compensations by promoting and marketing items. So, whether you intend to rock the influencer world or earn money through promos, Amazon has actually obtained you covered! Do not lose out on these incredible possibilities to beam and prosper in the on the internet market.

[modesto30gabriel]

Amazon Influencer Vs. Associate Marketing: Comprehending The Differences

Written By-Kirkland Borch Did you understand that 81% of brands use influencer advertising and marketing to promote their items? If you're considering going into the globe of online marketing, it's necessary to recognize the distinctions between Amazon Influencer and Affiliate Advertising. In click here , we'll break down these two methods, enabling you to make an informed choice on which path to take. So, order a mug of coffee and allow's dive into the globe of Amazon Influencer Vs. https://www.business2community.com/instagram/25-best-instagram-marketing-tips-for-2021-02395701 Marketing.

The Principle of Amazon Influencer

You need to regularly think about coming to be an Amazon Influencer to promote products and make compensations.

As an Amazon Influencer, you have the possibility to produce an unique storefront where you can showcase your preferred products and advise them to your fans. This shop permits you to curate an individualized option of products that straighten with your brand and interests. By sharing these items with your audience, you can make a payment on each sale made with your store front. This implies that every single time a person purchases a product with your referral, you get a percent of the sale. Not only does this give you the opportunity to monetize your impact, however it likewise allows you to give value to your fans by recommending top quality products that you genuinely count on.

Exploring Affiliate Marketing on Amazon

To comprehend the advantages of associate marketing on Amazon, it is essential to check out the different approaches and chances available. As an associate online marketer on Amazon, you have the possibility to advertise a variety of items and gain a commission for each sale made with your one-of-a-kind affiliate link. One approach is to develop a particular niche internet site or blog where you can write useful material and suggest products to your audience. You can additionally take advantage of social networks platforms to share your affiliate links and promote items to your followers. In addition, Amazon gives various tools and resources to help you track your efficiency and optimize your advertising and marketing efforts.

Trick Distinctions In Between Amazon Influencer and Affiliate Advertising And Marketing

When comparing Amazon Influencer and Associate Advertising and marketing, one crucial distinction is the duty of content development. Right here are four essential distinctions that define the special aspects of each: 1. ** Influencers **: Amazon Influencers concentrate on creating and sharing interesting web content with their social media sites platforms. They leverage their individual brand name and impact to advertise products and drive sales. Their material is generally more customized, authentic, and lifestyle-oriented. 2. ** Affiliates **: Associate marketers, on the other hand, mainly concentrate on driving website traffic to Amazon with different advertising networks. They produce web content such as blog posts, product reviews, and contrast articles to draw in potential purchasers. Their web content is extra useful, unbiased, and tailored in the direction of guiding consumers in their buying decisions. 3. ** Payment Framework **: Influencers make a compensation through the Amazon Influencer Program, which is based on the sales created from their promoted items. Affiliates, nevertheless, gain a compensation via the Amazon Associates Program, where they get a percentage of the price for each item acquired via their distinct affiliate web links. 4. ** Target market Engagement **: Influencers have a tendency to have a much more dedicated and involved audience who trust their referrals and opinions. Affiliates concentrate on drawing in a broader target market and transforming them into buyers via their web content and promotional efforts. Understanding these key distinctions can aid individuals establish which strategy aligns far better with their goals and choices. Verdict To conclude, the differences in between Amazon Influencer and Affiliate Marketing are like all the time! Amazon Influencer enables you to end up being a powerful influencer and display your preferred items. Affiliate Advertising lets you make compensations by promoting and selling items. So, whether you intend to shake the influencer world or make money via promotions, Amazon has actually got you covered! Do not lose out on these remarkable chances to shine and do well in the online industry.

[thelistingteammiami]

What You Need To Know About Saving for a Home in 2024

What You Need To Know About Saving for a Home in 2024

If you’re planning to buy a home, knowing what to budget for and how to save may sound intimidating – but it doesn’t have to be. One way to ease those concerns is to make sure you understand some of the costs you may encounter up front. And to do that, always turn to trusted real estate professionals. They can help you set a plan and take a strategic look at your budget and your process before you even get started.

Here are just a few things experts say you should be thinking about.

1. Down Payment

Saving for your down payment is likely top of mind as you set out to buy a home. But do you know how much you’ll need? While every buyer’s situation is different, there’s a common misconception that putting 20% of the purchase price down is required. An article from the Mortgage Reports explains why that’s not always the case:

“The idea that you have to put 20% down on a house is a myth. . . . The right amount depends on your current savings and your home buying goals.”

To understand your options, partner with trusted real estate professionals to go over the various loan types, down payment assistance programs, and what each one requires. The more you know ahead of time, the easier the process will be.

2. Closing Costs

Make sure you also budget for closing costs, which are a collection of fees and payments made to the various parties involved in your transaction. Bankrate explains:

“Closing costs are the fees you pay when finalizing a real estate transaction, whether you’re refinancing a mortgage or buying a new home. These costs can amount to 2 to 5 percent of the mortgage so it’s important to be financially prepared for this expense.”

The best way to understand what you’ll need at the closing table is to work with a trusted lender. They can provide you with answers to the questions you might have.

3. Earnest Money Deposit

If you want to cover all your bases, you can also consider saving for an earnest money deposit (EMD). An EMD is money you pay as a show of good faith when you make an offer on a house. According to Realtor.com, it’s usually between 1% and 2% of the total home price.

This deposit works like a credit. It’s not an added expense – it’s paying a portion of your costs upfront. You’re using some of the money you’ve already saved for your purchase to show the seller you’re committed and serious about buying their house. Realtor.com describes how it works as part of your sale:

“It tells the real estate seller you’re in earnest as a buyer . . . Assuming that all goes well and the buyer’s good-faith offer is accepted by the seller, the earnest money funds go toward the down payment and closing costs. In effect, earnest money is just paying more of the down payment and closing costs upfront.”

Keep in mind, an EMD isn’t required, and it doesn’t guarantee your offer will be accepted. It’s important to work with a real estate advisor to understand what’s best for your situation and any specific requirements in your local area. They’ll advise you on what moves you should make so you can make the best possible decisions throughout the buying process.

Bottom Line

When buying a home, being informed about what to save for is key. Let’s connect so you’ll have an expert on your side to answer any questions you have along the way.

[nsrealestate]

If you’re planning to buy a home, knowing what to budget for and how to save may sound intimidating – but it doesn’t have to be. Here are just a few things experts say you should be thinking about. 1. Down Payment Saving for your down payment is likely top of mind as you set out to buy a home. But do you know how much you’ll need? While every buyer’s situation is different, there’s a common misconception that putting 20% of the purchase price down is required. To understand your options, partner with trusted real estate professionals to go over the various loan types, down payment assistance programs, and what each one requires. 2. Closing Costs Bankrate explains: “Closing costs are the fees you pay when finalizing a real estate transaction, whether you’re refinancing a mortgage or buying a new home. These costs can amount to 2 to 5 percent of the mortgage so it’s important to be financially prepared for this expense.” 3. Earnest Money Deposit Realtor.com describes how it works as part of your sale: “It tells the real estate seller you’re in earnest as a buyer . . . Assuming that all goes well and the buyer’s good-faith offer is accepted by the seller, the earnest money funds go toward the down payment and closing costs. In effect, earnest money is just paying more of the down payment and closing costs upfront.” It’s important to work with a real estate advisor to understand what’s best for your situation and any specific requirements in your local area. When buying a home, being informed about what to save for is key. DM me so you’ll have an expert on your side to answer any questions you have along the way.

[newstfionline]

Sunday, May 28, 2023

Hot times (Bloomberg) Global warming-induced heat waves are worsening other problems around the world: Ships in the Panama Canal are being asked to lighten their loads, and wildfires in Canada’s top energy-producing province of Alberta have knocked out a fifth of the nation’s natural gas output. Scorching temperatures in Malaysia are pushing up food inflation—and putting pressure on government bonds. It’s a great time to be in the air conditioning business.

Debt ceiling negotiators race to cement deal before June 5 deadline (Washington Post) The U.S. government will run out of money to meet all its payment obligations on June 5, if Congress does not raise the debt ceiling, Treasury Secretary Janet L. Yellen told lawmakers on Friday, providing a more precise forecast to lawmakers trying to break an impasse. Her new projections came as lawmakers struggled to strike a deal that would raise the nation’s borrowing limit and hold spending down, which Republicans have said is necessary to get their support to raise the borrowing limit. The new default date should not be seen as a reprieve, but rather a more firm deadline that “ensures the urgency” of reaching a deal within days, said Rep. Patrick T. McHenry (R-N.C.), one of the key GOP negotiators. (Later: President Joe Biden and House Speaker Kevin McCarthy reached an “agreement in principle” to raise the nation’s legal debt ceiling, but now Congress must rush to approve the spending cuts package in a matter of days to avert default.)

Teen workers are in high demand for summer and commanding better pay (AP) Teens have long been vital to filling out the summertime staffs of restaurants, ice cream stands, amusement parks and camps. Now, thanks to one of the tightest labor markets in decades, they have even more sway, with an array of jobs to choose from at ever higher wages. In April, nearly 34% of Americans aged 16 to 19 had jobs, according to government data. That compares with 30% four years ago, the last pre-pandemic summer. More jobs are available for those who want them: There are roughly 1.6 jobs open for every person that is unemployed, according to the Labor Department. In normal times, that ratio is about 1:1. Maxen Lucas, a graduating senior at Lincoln Academy in Maine, had his first job at 15 as a summer camp dishwasher, followed by a stint as a grocery bagger before getting into landscaping. He said young workers can be choosier now. “After COVID settled down, everyone was being paid more,” said the 18-year-old from Nobleboro who’ll head off to Maine Maritime Academy this fall.

US to give away free lighthouses as GPS makes them unnecessary (Guardian) Ten lighthouses that for generations have stood like sentinels along America’s shorelines protecting mariners from peril and guiding them to safety are being given away at no cost or sold at auction by the federal government. The aim of the program run by the General Services Administration is to preserve the properties, most of which are more than a century old. The development of modern technology, including GPS, means lighthouses are no longer essential for navigation, said John Kelly of the GSA’s office of real property disposition. And while the Coast Guard often maintains aids to navigation at or near lighthouses, the structures themselves are often no longer mission critical. Yet the public remains fascinated by the evocative beacons, which are popular tourist attractions, beloved local landmarks and the subject of countless photographers and artists, standing lonely but strong against tides and storms, day and night and flashing life-saving beams of light whatever the weather.

Russia’s gold (Reuters) Russia produced an estimated 325 tonnes of gold in 2022, and exported 116.3 tonnes of it from February 24, 2022, to March 3 of this year. Russia is not exactly the most favorable trading partner of the world, so the overwhelming majority of it, 99.8 percent of Russia’s gold exports, went to just three countries: predominantly the United Arab Emirates (75.7 tonnes worth $4.3 billion, up from 1.3 tonnes in 2021) and then China and Turkey, who split the balance. Russia’s been hawking its gold at about 1 percent under market rates, making it a favorable trade to those willing to subvert the global sanctions.

Ukrainian children carry on (AP) The two children squinted to see through the thick smoke that hung in the air after a deafening blast shook their small home in Ukraine’s eastern Donetsk region. The pair, ages 9 and 10, called out for their father. Only eerie silence followed. Then Olha Hinkina and her brother, Andrii, rushed to the bomb shelter, as they had been taught. When the booms stopped and the smoke cleared, they found their father on the porch—motionless and covered in blood after being struck by a Russian projectile. The two siblings join a generation of Ukrainian children whose lives have been upended by the war. Russia’s full-scale invasion has subjected them to constant bombardment, uprooted millions from their homes and turned many into orphans. At least 483 children have lost their lives and nearly 1,000 have been wounded, according to figures from Ukraine’s general prosecutor’s office. Meanwhile, UNICEF says an estimated 1.5 million Ukrainian children are at risk of depression, anxiety, post-traumatic stress disorder and other mental health issues, with potentially lasting effects. Nearly 1,500 Ukrainian children have been orphaned, the National Social Service of Ukraine said. When Andrii Hinkin remembers his hometown, he doesn’t recall the bombs, the smoke or the thunderous explosions. He remembers it as a beautiful village. Asked what are his biggest dreams, he responds timidly. “I want to grow up.”

US rebukes Kosovo for escalating tensions, Serbia puts army on alert (Reuters) The United States and allies rebuked Kosovo for escalating tensions with Serbia on Friday, saying the use of force to install mayors in ethnic Serb areas undermined efforts to improve troubled relations with neighbouring Serbia. Serbian President Aleksandar Vucic placed the army on full combat alert and ordered units to move closer to the border following clashes on Friday between Kosovan police and protesters opposed to the ethnic Albanian mayors. U.S. Secretary of State Antony Blinken criticized the government of Kosovo for accessing the municipal buildings by force and called on Prime Minister Albin Kurti to reverse course. In a statement, Blinken said Kosovo’s actions went against U.S. and European advice and had “sharply and unnecessarily escalated tensions, undermining our efforts to help normalize relations between Kosovo and Serbia and will have consequences for our bilateral relations with Kosovo.”

Suspicious Software (Guardian) According to a joint investigation by multiple international research groups, spyware developed by NSO Group, an Israeli cyber-intelligence firm, has been used for the first time in a military conflict. NSO Group’s Pegasus, a military-grade spyware that allows users to hack into and remotely control any cell phone, was used to target multiple people involved with the Armenia-Azerbaijan border conflict from October 2020 to December 2022. The victims include journalists, human rights advocates, and a U.N. official. One former Armenian foreign ministry spokesperson was hacked over 27 times between October 2020 and July 2021, a period when she was still active as a diplomat, taking part in crucial negotiations regarding the Nagorno-Karabakh war. She was reportedly involved “squarely in the most sensitive conversations and negotiations related to the Nagorno-Karabakh crisis,” including ceasefire talks involving France, the U.S., and Russia. While NSO Group claims it investigates reports of its spyware being abused by governments, it has been continually abused around the world. The governments of India, Poland, Spain, Saudi Arabia, and Mexico have all employed the spyware for different purposes, including surveilling opposition leaders and foreign diplomats.

Amid Turkey election, a Syrian man’s murder stokes fear among refugees (Washington Post) The campaign posters promising to deport Syrian refugees appeared on the morning that Saleh Sabika was killed. They were all across the city by the time he began his final shift in a country that didn’t want him anymore. Grainy CCTV footage from the Istanbul sock factory around 10 a.m. shows a fistfight between Sabika, a 28-year-old Syrian, and a Turkish colleague. Not long after, eyewitnesses said, the colleague grabbed a knife from a nearby restaurant and returned to stab Sabika in the chest. He was dead by the time he reached the hospital. “He wasn’t just killed by a weapon,” said his childhood friend Islam, who spoke on the condition that he be identified by his nickname, fearing for his own safety. “He was killed by the words of all those politicians who planted the ideology against us in people’s heads,” he continued. “It won’t be the last death like this.” As Turkey prepares for a landmark runoff in its presidential election, the fate of people like Sabika and Islam are on the ballot. After years of economic crisis here, Syrian refugees and asylum seekers have become easy targets for leaders across the political spectrum, who contend that immigrants are changing the nation’s character and should be returned to their home country by force. Even before election season, a rising tide of forced deportations, police harassment and violent hate crimes had left many Syrians feeling under siege.

Israeli agents conducted raid against militants in civilian area, killing a child (Washington Post) The traffic was barely moving on March 16 in central Jenin, an unusually busy Thursday afternoon in the West Bank. With the holy month of Ramadan just days away, restaurants were full and shoppers wove between cars as they hustled from store to store. A father pushed a stroller past a silver sedan. Inside the car, Israeli undercover agents were in place, waiting to carry out an operation against two Palestinian militants who were walking nearby. Omar Awadin, age 14, pedaled by on his bicycle, having just completed his last errand of the day. Moments later, four plainclothes security forces burst from a second silver sedan nearby in pursuit of the militants and opened fire. Such scenes are increasingly common in the West Bank, where more than 3 million Palestinians live under Israeli military occupation and a new generation of militants has risen to prominence. Israel says raids like this one are vital to disrupting terrorist networks and protecting its citizens from attack; Palestinian officials say they are war crimes that should be referred to the International Criminal Court. Israeli military operations have long been a fixture of life here, but they once happened mostly at night, and usually ended in apprehensions. This year, under the most right-wing government in Israeli history, a growing number of incursions have been carried out during the day, in densely packed urban areas such as Jenin. As of May 15, 108 Palestinians in the West Bank and East Jerusalem, including militants and civilians, had been killed by Israeli forces, according to the United Nations, more than double last year’s toll from the same period. At least 19 were children—including Omar, who was fatally shot during the raid in Jenin.

[therebelbroker]

1% Down Loan From Rocket Mortgage

In this thought-provoking episode, we delve into the often overlooked drawbacks of low-income buyers availing themselves of 1% down loans. Today we will specifically be talking about the Rocket Mortgage ONE+ loan program. While these loans may seem appealing on the surface, they can harbor hidden pitfalls that can leave borrowers vulnerable. Join us as we explore the cautionary tales and shed light on the potential downsides of this financing option.

Episode Highlights:

Understanding 1% Down Loans: We begin by explaining the concept of 1% down loans, which have gained popularity as an attractive option for individuals with limited financial resources. These loans enable borrowers to put down only 1% of the home's purchase price, while the remaining 99% is financed. At first glance, this may seem like an excellent opportunity, but closer examination reveals significant downsides. Even in the case of the Rocket Mortgage 2% grant, these issues remain.

Higher Interest Rates and PMI: One of the primary downsides of 1% down loans is the higher interest rates imposed by lenders. Given the increased risk associated with such loans, lenders often compensate by charging higher interest rates. While PMI is typical, at least this is not included in this Rocket Mortgage loan program.

Negative Equity and Limited Equity Building: With a mere 1% down payment, buyers are at greater risk of falling into a negative equity situation. In the event of a downturn in the housing market or a decline in property values, borrowers may find themselves owing more on their mortgage than the actual value of the property. This lack of equity also hampers their ability to build wealth through homeownership.

Financial Stress and Limited Savings: Low-income buyers who opt for 1% down loans often face increased financial stress. The combination of higher monthly mortgage payments and elevated interest rates leaving little room for savings or unexpected expenses. This lack of financial cushion can make homeownership a precarious endeavor.

The Importance of Financial Education: We conclude the episode by stressing the significance of financial education for low-income buyers considering 1% down loans or any other financing options. With proper knowledge and guidance, potential homeowners can make more informed decisions, understand the long-term consequences, and explore alternative routes to affordable homeownership.

While 1% down loans may initially appear enticing for low-income buyers, our exploration of their downsides unveils potential risks that should not be overlooked. Higher interest rates, negative equity concerns, limited equity building, and financial stress collectively illustrate the need for caution and thorough understanding. By promoting financial education and exploring alternative options, we can empower low-income buyers to make choices that foster long-term stability and success in their homeownership journey.

  Links:

https://www.rismedia.com/2023/05/22/rocket-mortgage-offers-new-1-percent-down-home-loan-program/

https://www.rocketmortgage.com/learn/one-plus

https://www.rocketmortgage.com/learn/down-payment-assistance

  Check out this episode!

[listwithbrooks]

Looking for an Assistance Down Payment Program? Here's What You Need to Know About WE DeKalb's Homeownership Program

🏠🤑 Looking to buy a new home? 💰💸 Check out our assistance down payment program for first-time homebuyers! 🙌🏽👀 Get up to 3% of your mortgage value as a non-repayable grant for down payment and closing costs. #homebuying #downpaymentassistance #first

WE DeKalb’s Homeownership Program offers an assistance down payment program for approved homebuyers. This program provides a 30-year, fixed-rate, fully amortized first mortgage and a non-repayable down payment assistance (DPA) grant. The amount of the grant is equal to 1 percent, 2 percent, or 3 percent of the initial principal balance of the mortgage, depending on the selected mortgage rate. The…