How to Stop Junk Mail Sent to Your Home

How to Stop Junk Mail Sent to Your Home

A common complaint I hear from home owners is “How do I stop junk mail?”  This is especially true for new home owners who find they’re bombarded by catalogs and advertisements intended for the previous owners.

Not only is eliminating junk mail a personal convenience, but it’s also good for the planet.  Who hasn’t lugged 60 pounds of junk mail down to the curb on recycling night and thought, “I can’t believe all of this paper and ink is wasted.”?

Well, if you’re looking for a free and easy way to cut down on the unwanted catalogs, coupons, credit card offers, circulars (and more!), then be sure to check out CatalogChoice.org (http://www.catalogchoice.org). 

Catalog Choice lets you opt out of direct marketers’ databases, ensuring that you receive less junk (and your privacy is protected).  Register for a free account and you can immediately begin cutting down on all of that unwanted mail.

How does it work?  Catalog Choice gets your opt-outs processed by the senders. You can track your opt-outs, and if you receive the mail again, Catalog Choice will follow up.  They work with over 4000 companies to honor your choices and have processed over 20 million opt-outs by over 1.4 million account holders.

Take control of your home’s mailbox today!

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5 Tips to Save Money for First-Time Home Buyers in Paradise, CA

Paradise, California - 5 Tips to Save Money for First-Time Home Buyers

Those who missed taking advantage of the first-time buyer tax credit but who are still planning the purchase of their first home, continue to have a wealth of opportunities in today’s marketplace. A few smart steps can save first-time buyers thousands of dollars. Here is a look at some of the ways how:

1. Don’t buy if you don’t plan to stay

If you can’t commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet. With the transaction costs of buying and selling a home, you may end up losing money if you sell any sooner – even in a rising market. When prices are falling, it’s an even worse proposition.

2. Start by shoring up your credit

Since you probably will need to get a mortgage to buy a house, you must make sure your credit history is as clean as possible. A few months before you start house hunting, get copies of your credit report. Make sure the facts are correct, and fix any problems you discover.

3. Choose carefully between points and rate

When picking a mortgage, you usually have the option of paying additional points- a portion of the interest that you pay at closing- in exchange for a lower interest rate. If you stay in the house for a long time- say three to five years or more- it’s usually a better deal to take the points. The lower interest rate will save you more in the long run.

4. Hire a home inspector

A home inspector can let you know if you’re about to buy a lemon of a house or warn you about potential problems. At best, you can move into the house confident that it’s in good shape; at worst, the inspector’s report can let you back out of the deal if the house has major, unexpected problems. Most typically, the home inspection can allow you to negotiate the home price to account for necessary repairs.

5. Get professional help

Even though the Internet gives buyers unprecedented access to home listings, most new buyers (and many more experienced ones) are better off using a professional agent. Look for an exclusive buyer agent, if possible, who will have your interests at heart and can help you with strategies during the bidding process.

6. Bonus Tip: Be patient

Buying a home is one of the largest purchases most people will make in their lifetime. The key to avoiding buyer’s remorse is to be completely comfortable before signing on the dotted line.

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