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Hottest Bathroom Trend: The Spa Experience at Home October 28, 2006

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Hottest Bathroom Trend: The Spa Experience at Home


Some Housekeeping Rules October 24, 2006

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Hi Fellow Property Investors,
If there’s something you’d wish to post urgently on www.dolfnet.com, please sms Christine to alert me. Otherwise, send in advance. If there’s something you’d wish to see removed from the blog for any reason at all, you may email web admin at any time. All out postings are reversible. Blog on !

Hot Property Events… October 22, 2006

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Hi fellow investor,
1) There’s a SMART Investment & International Property Expo happening this weekend at

Hall 402

Suntec Singapore
International Convention & Exhibition Centre
1 Raffles Boulevard, Suntec City,
Singapore 039593

21-22 October 10am-7pm


DATE : 23rd October, Monday
TIME : 7.30pm
VENUE : Aussie Properties, #14-07 The Concourse, 300 Beach Road, Singapore 199555
SPEAKER : Jackie Wong
TOPIC : Successful Strategies for Property Investments in Malaysia & Australia

Do you want to find good investment properties in Malaysia, but do not know how to? You have heard that Malaysian properties are affordable and the government offers many incentives to foreign investors. So,where should you invest and what should you invest in?
Join this talk by Jackie Wong. Jackie and her husband, Steven Khong, are among the pioneer XL life members from Kuala Lumpur, Malaysia. They are successful property investors and have a passion to help investors to build wealth by finding good properties with attractive returns. Jackie currently is Head of the Investors’ Network of her real estate company. She also offers consultation and property management.
The talk will cover property investment in both Malaysia and Australia.

Please RSVP for the above to: jackie_invest@yahoo.com with your name and contact number.

Christine’s Note: Jackie & Steven are personal friends of minewho caught the property investment bug a few years ago. Learn how they have really taken off in their investing career, and what they might have to offer!

Best regards,


Your Money Matters: Say ‘I Do’ to Home Buying October 14, 2006

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(ARA) – Getting married marks a huge milestone for many people who have spent years dreaming about being a husband or wife. Another major milestone that often follows marriage is the first “big” purchase, which is typically buying a home.

Buying a home is a great way to start married life together. Achieving the American dream of homeownership together is a great accomplishment. It’s exciting for newlyweds as they make the house their own by decorating and fixing it up.

More importantly, purchasing a home is one of the best investments newlyweds can make. It provides couples with the opportunity to build a secure financial future by building equity in a home. As newlyweds, your combined incomes offer a special opportunity to build savings that enhance your ability to buy a home.

Begin the process of buying a home by discussing finances. It’s best to get in the habit of talking about finances regularly, as it’s often a challenge for couples and is regularly cited as a leading cause in many divorces. Since you’re already discussing wedding expenses, you can easily transition into how to finance a home-purchase.

“Marriage provides a great opportunity to speak candidly regarding finances. Consider discussing the steps to purchase a home, paying down debt and improving credit scores,” says Ennio A. Garca-Miera, a vice president with GMAC Mortgage. “Start focusing on the investment goal of owning a home by discussing your financial priorities with each other. Then seek the help of an experienced loan officer who can get you on the right track toward home buying.”

As you discuss finances and buying a home, it’s necessary to understand what goals are important to you and your partner. Draft a budget to map out where you’d like to be in a year, five years, ten years. It’s not even too early to start thinking about retirement. Review your plan regularly, possibly with a financial planner, and update it as necessary. Start thinking about how much you can spend on a home. A mortgage qualifier calculator is available at www.gmacmortgage.com. You can also speak to a bilingual loan officer by calling (888) 330-4622, who can provide information directly and help determine what you can afford and how much you’ll need to save.

Make sure your budget is realistic to live by and allows for you and your partner to save for a rainy day as well as retirement. When preparing to buy a home, it’s always best to be prepared to make some sort of downpayment, which may vary depending on the home you buy and the type of financing for which you qualify. In addition to a downpayment, you’ll also have to consider saving for unexpected home repairs and maintenance. Lenders generally like to see three to six months of living expenses in reserve, in addition to funds that will be used for a downpayment and closing costs.

Saving takes perseverance and discipline, especially when you’re trying to pay for a wedding, and juggling other expenses such as college loans, a car loan, and rent. One of the first places to look for possible savings is the little things you buy every day. For example, giving up your daily $3 cappuccino can easily save you and your spouse $2,190 in a year. It’s also somewhat scary how many other small purchases such as CDs, video games, eating out, and going out to movies can add up. But they do. Try to put off making other big purchases, which may require financing, until after the home purchase, as those purchases may affect your ability to obtain the best mortgage rate terms.

In addition to saving money, you’ll want to review your credit score, which helps to determine the interest rate on your mortgage. Lenders assess your ability to repay your loan by reviewing your credit history. A credit score of at least 700 is an indication of good credit, which will allow you to secure a competitive interest rate.

If you need to improve your credit score, consider these tips:

* If you have little or no credit, look for ways to improve your score such as opening a secured credit card with your bank.

* If you have “too much” credit, work on eliminating your credit card debt. Newlyweds can’t afford to fall deeper into debt than they already are.

* If you know of errors or past due accounts that have already been paid, contact the three major agencies to correct this on your report. It may be a time-consuming task but in the end you’ll be happy you took care of this before meeting with a mortgage lender.

For additional tips regarding credit and the home-buying process you can log on to www.gmacmortgage.com. The online resource center offers a detailed section regarding your credit and an A-Z buying guide.

Consult a Mortgage Institution

Reputable mortgage institutions can help you understand the different products and loan options available to newlyweds purchasing their first home together. A mortgage lender can provide you with the key to buying a home, a pre-approval letter. Once you have the pre-approval letter, you’ll know the price range of homes you can consider, whether it’s a three-bedroom home in the suburbs or a trendy loft in the city.

Remember: a wedding is just one day, but your marriage is for life. Start your marriage on the right foot by preparing for the home buying process and achieving your goal of homeownership. By making home buying a priority, you can own a home even sooner than you might think. Call GMAC Mortgage at (888) 330-4622 to discuss how you can start the home buying process.

Courtesy of ARA Content
EDITOR’S NOTE: GMAC is a Licensed Mortgage Lender and is an Equal Housing Opportunity lender.