Holon, September 26, 2001, 09:03
Has anyone used Sharebuilder?
If so I'd like to know what you think about it. If you haven't heard about it, go check it out. It's at www.sharebuilder.comhttp://www.sharebuilder.com">www.sharebuilder.com>. I want to get someone's opinion about it.  (reply to this post)

porceleindoll, March 25, 2002, 17:58
RE: Has anyone used Sharebuilder?
I use buy and hold.com, they charge a monthly fee of 6.99 and you get 2 free trades in the month, have a good variety of stocks you can choose from.

But if you want to cut costs you should look into direct purchase plans. I can't remember the sites, but surely a search in yahoo.com would direct you to sites that educate you about which companies offer direct purchase plans.

That way you can buy the stocks usually for no fee, cheaper than a discount broker. You are limited in the companies you can buy from. Starbucks for instance has no DPP, but Pachex or Phillip Morris do.
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Jules, July 23, 2001, 23:06
A Mortgage
Buying property is something I would love to do someday. I have absolutely no idea how to go about doing this though. I know other people have been through this process, any tips for the completely ignorant?  (reply to this post)

Anthony, September 10, 2002, 22:20
House On The Sand, or, Sandy's House
In most cases, once you've bought property, it's a good idea to hold on to it through rock & sand. I bought a fairly nice 2+2 condo in Dallas, and like a fool, sold it too soon. In other words, I didn't keep it long enough to make a profit and the sale ended up costing me. Just a foolish quicksand mistake I hope no one else ever makes.

On the other sand, I mean hand, renting out can be a sandstorm nightmare, especially if tenants tear the place up, and up keep outweighs rent income.
That's my two cents, or, my two sand pebbles.

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Anaik, May 6, 2002, 19:00
RE: A Mortgage
There are a lot of different ways to go about buying a house and different states also have different programs that can help first time home buyers or people with lower income. One suggestion that worked for me: I was sick of paying rent as I felt it was a waster of money, but wasn't sure I would qualify for a loan. So, I found a duplex to buy and rented out the top and that counted as income when the bank considered me for a loan. Now I have four rental units. Another tip also, if buying a house is important, when doing your income taxes instead of trying to find any and every deduction in order to get a tax-break, just report your income as is. Even if you end up paying taxes, it will be better for you if you trying to get a loan, if your income looks higher.
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Intrested, September 10, 2002, 06:24
Intrested
I've been interested in becoming a landlord like you have. A few rental properties here and there for additional sources of income.

The only concern that has prevented me from buying is the amount of work that I'll have to do.

How much time and effort would you say you have had to put into this kind of investment once you have the property?


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Josiah, June 5, 2002, 16:40
RE: A Mortgage
Hey are you the Anaik that was in Russia a few years back?
keisersoze@satx.rr.com
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VWBabe, June 27, 2002, 16:17
Josiah?
Are you the Josiah that was in the Belgium School?
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Holon, August 12, 2001, 20:48
RE: A Mortgage
First you need to go to a lender and find out how much of a loan you qualify for. After all you dont want to go looking for a $200.000 dollor house when you can only get approved for a $80.000 loan.

There are a few way's of finding a lender.You can talk to a real estate agent,go to your bank or look in the yellow pages for a lender.Some lenders specialize in finding a loan for people with not so good sercomstances ie.. bankrupcy,devorice or bad credit.


Also dont be disscuraged if you think you have bad credit,there are millions of programs designed to help people but a house even with bad credit.

After you find a lender and know how much of a loan you can get, than you start looking around. The best way to do that is to find a good real estate agent. Tell that person how much you can spend and what you want. 2 bed/2 bath ect...

Anyone can buy a house it just takes some time.Here in Florida homes are very very cheep.And you can buy almost any house with a 3% down payment.
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