Help Me I M Buying A House

An essential and fun read about buying your own home - from First Time Buyers, for First Time Buyers. Illustrated throughout by well-known creative artist Ben Jones to make you smile. How to get thousands of Pounds for free towards your purchase. Work out a feasible financial scenario early. Research your property and be a step ahead. Be best prepared for viewing and offering. Understand and manage the conveyancing process step-by-step. Learn from others Almost two years ago, me and my partner had this brilliant idea: let's buy our own home! We were fed up with renting and thought we got this - a few months and we are sorted. Little did we know. When we embarked on the adventure, first thing we realised was that we didn't actually have a clue what we were doing, falling for the tricks of the trade at almost every step of the journey. We relied on online material and a few books explaining WHY you should buy, but not really HOW. We tumbled through the process from step to step, without being properly prepared for what was supposed to happen next and what was realistic. We had to let one house go after its survey revealed lots of issues that we could have spotted, then spent more than half a year trying to find another one and finally wound up in a chain that caused an additional 6-month delay. Thankfully, we are both scientists. In our best bid to get on top of everything, we started to do uncountable hours of research, calculations, reading up and talking to relevant people - agents, surveyors, mortgage brokers, other First Time Buyers. While we were suffering through the conveyancing process, I finally realised that I increasingly needed a therapeutic outlet. This is how this book was born: a catharsis, a plea that no matter what, something good must come out of this!! I thought - if nothing else, let's pass on everything that we have learned to make this a little easier for someone else. Because no-one deserves the unnecessary chaos, stress and financial losses that come with buying your own home. This book is our compiled wisdom to make the home buying process more transparent. We hope it will help you plan, make informed choices, be better in control of the process and, most importantly, know what is coming and what to expect. The purpose of this book is for you to be prepared and less at the mercy of 'the system'. Contents Chapter 1. WHAT YOU SHOULD CONSIDER RIGHT NOW Chapter 2. CONSTRAINTS Chapter 3. BASIC INGREDIENTS Chapter 4. FINDING A HOME Chapter 5. GETTING STUFF READY FOR AN OFFER Chapter 6. VIEWING AND OFFERING Chapter 7. OFFER ACCEPTED: PREPARING THE NEXT STEPS Chapter 8. CONVEYANCING FROM START TO FINISH Chapter 9. MOVING IN - THE FIRST STEPS Chapter 10. YOU ARE NOT ALONE. STORIES FROM OTHERS Appendix 1. GLOSSARY Appendix 2. YOUR OWN CALCULATIONS AND WISHLISTS Appendix 3. CONVEYANCING LOG-BOOK

In real estate, it's a buyer's market—and here is the buyer's bible . . . Buying a home is the single most important financial move in most people's lives. This book covers a variety of topics including inspecting, evaluating, negotiating, financing, contracts, and legal issues. It also breaks down the roles of the key players and what these professionals, agents, brokers, and inspectors are responsible for—and when to go it alone. The thorough advice, covering everything from buying houses at auctions to what neighborhood to live in, will provide reassurance for every soon–to–be homeowner. • A necessary tool for those who plan to buy homes and even current homeowners in order to keep up with an ever changing market • Will be published in time for spring, when most people start looking into buying new homes • Covers a broad range of buying options and homeowner's needs

The Holmes Inspection will be the definitive guide to smart home-buying and home-selling for Canadians. It’s often said that a home is the biggest investment most people will ever make, yet many buyers, when considering a house, spend less time on examining its pros and cons than they might on a head of lettuce at the supermarket. Why? A big part of the problem is knowledge: without an understanding of house construction, materials and finishing, many people are overwhelmed and decide to forego the inspection process altogether, or leave it entirely in the hands of a home inspector—who might not be much of an expert either. The Holmes Inspection gives readers the tools they need to buy smart and sell smart. Beginning with the most basic rationale for inspecting prior to buying, the book shows readers what to expect from the houses they’ll see, what qualities to look for, and the red flags to watch out for. As well, they’ll learn what a home inspector can and can’t do, get advice on how to find a good home inspector, and find out about options to the “professional” home inspection route. Using sidebars, checklists—and the savvy, no-nonsense style that Mike Holmes fans know and love—The Holmes Inspection is like having Mike himself along for the ride of making that biggest of investments: your own home.

Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!

For every success story of a real estate investment that turns into millions, there are even more horror stories. Every investor has one-go ahead, just ask them. The scary tenants, the prolonged vacancies, the dastardly contractors don't have to keep you away, but you should know that these things can and likely will happen to you on your real estate journey. JL Collins, author of the international bestseller The Simple Path to Wealth, recounts his first experience as a real estate owner and investor. Impossibly naive and ready to capitalize on a hot market, he signed on the dotted line. Then the trouble began... In this humorous, engaging, instructive, and brilliantly illustrated tale, Collins weaves his tale of real estate woe and financial pain. While he has realized success with other real estate investments and is known for his enthusiastic endorsement of index fund investing, his first foray into real estate will give you a realistic idea of what could go wrong. Invest with eyes wide open after reading this captivating story.

A new way forward for sustainable quality of life in cities of all sizes Strong Towns: A Bottom-Up Revolution to Build American Prosperity is a book of forward-thinking ideas that breaks with modern wisdom to present a new vision of urban development in the United States. Presenting the foundational ideas of the Strong Towns movement he co-founded, Charles Marohn explains why cities of all sizes continue to struggle to meet their basic needs, and reveals the new paradigm that can solve this longstanding problem. Inside, you’ll learn why inducing growth and development has been the conventional response to urban financial struggles—and why it just doesn’t work. New development and high-risk investing don’t generate enough wealth to support itself, and cities continue to struggle. Read this book to find out how cities large and small can focus on bottom-up investments to minimize risk and maximize their ability to strengthen the community financially and improve citizens’ quality of life. Develop in-depth knowledge of the underlying logic behind the “traditional” search for never-ending urban growth Learn practical solutions for ameliorating financial struggles through low-risk investment and a grassroots focus Gain insights and tools that can stop the vicious cycle of budget shortfalls and unexpected downturns Become a part of the Strong Towns revolution by shifting the focus away from top-down growth toward rebuilding American prosperity Strong Towns acknowledges that there is a problem with the American approach to growth and shows community leaders a new way forward. The Strong Towns response is a revolution in how we assemble the places we live.

Offers advice on selecting contractors and home builders, as well as discussing mortgages, site selection, environmental concerns, consumer rights, and contracts, and identifies unethical practices.

Explaining why purchasing a home is the best investment for a single woman, this practical handbook offers useful techniques and guidelines on how to find the right home, even with less-than-perfect credit or no extra cash for a down payment, covering the fine art of negotiation and closing the deal, how to find the right real-estate agent, how to afford a mortgage, and other useful topics. Original.