The US Dollars 100 million is allocated to first time home buyers and US Dollars 100 million to new home buyers. A first time home owner is anyone who has not owned a home in the last 3 years. The price of the new home has no bearing on the application and there are no income limitations.

CTEC approved provider To secure my license, I had to attend an approved school (I attended a training course costs in Missouri), pass a state-administered test, and secure a bond. Now I must keep up with continuing education requirements. The process is similar to that of getting a real estate license.

I don’t know if you have ever been in a nursing home, or have visited one, but they are not nice places! They are understaffed, overworked, and have a very, very bad record for unnecessary deaths. In addition a person loses his freedom – it’s like being in jail, only you have committed no crime.

People who do not own a home can get out of debt and start saving for a down payment on a house. The subprime mortgage crisis means people with bad credit are having a hard time getting home loans. It is even harder without a hefty down payment. Plus, your amount of debt affects your credit score, which is a main determining factor in obtaining a mortgage.

CTEC classes Change all passwords. Your digital life probably involves 20, 30, or even more passwords that need periodic changing. Vow to change them every Data Privacy Day in January and then again on, say, Fourth of July to celebrate our freedom and lawful right to privacy. Be sure that all of your passwords are unique. If that’s too overwhelming, use common passwords only on sites that store a minimum of your private data.

California is renowned for being about as business unfriendly as any state. If you aren’t getting taxed over here, you are getting hit with some odd fee over there. The weather makes up for it, but sometimes you really have to wonder about whether it is all worth it. This is particularly true for small businesses who form limited liability companies only to get hit upside the head with a host of surprises.

CTEC courses Another thing I found out, which prior to this point I did not know, was the tax implications you incur after a foreclosure because of something called Cancellation of Debt Income. That one really shocked me when I learned about it. And to just put the cherry on top, there’s something called a Deficiency Judgment and it is not good for the borrower. This legal process allows your bank to sue you for the unpaid balance of your mortgage, EVEN AFTER THEY AGREE TO DO A SHORT SALE. I could not believe this when it happened to me and it affected my decision to cancel a short sale I had been working on for five months with Bank of America Home Loans. It was a long and tedious education process that I hope I never have to repeat again.

At 5:30 am on April 24th I pull into the Fairplex facility with My Baby My Baby (now her registered name) to present to the bloodstock agent. Damn, she looked good and came off the trailer in fine tune. She was placed in a stall, brushed down and made ready for presentation.