Advice for buyers and sellers, from Justin Ruzicka

Budgeting

Difference between Micro and Marco Ec...

Difference between Micro and Marco Economics

I am reading this great book, Economics in ONE LESSON, by Henry Hazlitt. The irony  is Economics class in College was the hardest course for me, well maybe Statistics was a little more challenging but that was because, all you had to do was “REJECT or FAIL TO REJECT,” that’s it…Inside Joke for those who […]

Mortgage Payments | Conventional Loan...

Mortgage Payments | Conventional Loans

I am a fan of Dave Ramsey and statement “do the math stupid.” OK, it’s not nice to offend people, so I am sorry about that.   Besides I am not saying you the reader are stupid…OK, the point of my post is comparing a Mortgage Payment with 15% down compared to $20% down. If you can […]

Top Tips to INCREASE your Credit Scor...

creditscorechart

When you are considering the purchase of a home or residence including a condo or town home the biggest challenge is money.  We never seem to have enough money,  do you have $200,000 in Cash sitting in the BANK?  Of course not.  Why would you…If you had $200,000 in liquid assets it would likely be […]

What Stops Me from Budgeting

Greenville Realtor is successful_houseguy.org

Budgeting is often thought of as a bad word. I know it my household it rarely gets used. But why is it that we all tend not to do Monthly Budgets. Fear: We are afraid of the truth…that this pay check to pay check lifestyle is actually not sustainable.   (But I have been doing it […]

Benefits of Budgeting

Benefits of Budgeting

I started off the year with some directions on starting a budget.  AND I promised I would talk about the Benefits of a Budget and here they are. You will be able to pay for your Childs College Education (debt free) You’ll Tithe more than 10% (minimum that the bible suggests) It will empower you […]

Living within your Budget…

Living within your Budget…

Mr. President Obama, spoke a lot about cutting spending, making a balanced budget, having the government begin to act like it’s people are around the country, living within a budget. This blog will be about a families budget and some good places to start. Since I am a realtor and I help people buy and sell […]