FHFA Says Home Prices Up 6.5% Year Over Year

 

According to the latest Federal Housing Finance Agency’s (FHFA) House Price Index (HPI), home prices home prices rose 6.5%  between Q4 2022 and Q4 of 2023.  In addition, FHFA
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 https://blog.nomadlease.com/prepare-property-winter-checklist

https://www.homedepot.com/c/ah/how-to-winterize-a-house/9ba683603be9fa5395fab90eefdc135

Summary & my 2cents

Maximize your Heating Options: Gas, Oil, Wood burning, GeoThermal, Solar?

Inspect your Homes Exterior: Roof, Gutters, Downspouts (Water is directed AWAY from your Foundation!) Insulated Cover for ALL exterior faucets. (Frost Proof Sill Cock is Best!) 

Inspect your Furnace and Filter

Keep the Warm Air Inside: Weather stripping, Spray Insulation, Windows & Doors fit tight.

Prepare for Emergencies: Flashlights that work, batteries, Battery powered Radio, Prescriptions, Xtra Pet Food, (Bag of Sand, Shovel & Jumper Cables in your Trunk)

Cleaning up: Start your SnowBlower & Gas up also Call your Plow Guy. I start Every Winter with New Snow Shovels at each house (house # painted all over the Shovels, Extra Bags of Sand and Salt. and Advise Residents: I'll have someone here as soon as possible but if you need to get out in a hurry, here's the Shovels, Sand & Salt) 

After my banker cut me off, I had to turn to another source to be able to fund my real estate deals. I quickly learned the power of asking and the importance of asking for that you want in this world.

1. You make the rules. Whenever you’re borrowing money at the bank, they get to make all the rules. They give you the interest rates, the payments, and the terms of the loan. Conversely, when you borrow money from private lenders, you get to write the rules and set your own terms. In the end, this gives you more control over the deals you make with lenders, the exact opposite of borrowing money from the bank.
2. No monthly payments. The vast majority of deals I make with private lenders do not have monthly payments. We set up quarterly, biannual, or annual payments that allow us more freedom and flexibility. A lot of deals that we have in place don’t require a payment for a full year. This helps us to free up cash flow whenever we need it.
3. No origination fees. When you borrow money from the bank, you’re typically going to have to pay an origination fee. This essentially just stacks up to another point being added to your loan, which costs you more money in the end.
4. You can close quickly. Time is always a factor in this business, so yo
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“A lot of talented actors still have to pay their bills.” - Mark Wahlberg

Sometimes it seems like bills come through the door as much as customers do … And knowing which bills to pay in which specific order can be difficult. 

And just like some customers are worth more than others to your small business, some bills need quicker attention than others as well. You put things in priority order for your company every day. You should do the same for your expenses. 

We’ve got some thoughts on how to do that. 

Which bills to pay first and why

You’ve heard about keeping the lights on? It’s true. Whether your business relies on the internet, machinery, handwashing, or heating, your utility bills have to be near the top – if not always first – on your pay list.

You also need a place to work – there’s no debate if you arrive at the office one morning and find the door padlocked. Pay your rent. 

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