What are ALL of the costs involved in buying a home?
I am still saving to buy a home, so I never paid for everything myself. I know that there are a lot of different factors involved such as where you live and such, but what are all of the "hidden" costs involved in owning a home in the US? For example, mandatory insurance, HOA, electric, water, taxes, etc. I basically want to know how much more money I need to factor in when buying a house. Thanks.
Appraisal
Inspection
Closing Costs( title fees, loan fees, all that crap)
Mortgage insurance
Homeowners insurance
Technically, the buyer is responsible for the buyers agents commission. but seller always pays it.
Hazard insurance
Flood insurance (If applicable)
more utilities then an apartment
mowing ur lawn
house maintenance is a bitch.
Filed under Home Insurance by on Feb 8th, 2010. Comment. 
Is the Chevrolet El Camino considered a sports car or pick-up?
I'm wondering whether my insurance will see this as a sports car a jack up my insurance rate. I have State Farm.
Had one (insd w/SF) It's a pick-up
Filed under auto insurance price quote by on Feb 6th, 2010. Comment.
Does a verizon cell phone plan build credit?
As of now, my cell phone plan is the only bill that I have (and it's new, so I have yet to make a payment) and other than that, I have no other bills (I don't drive, so no car insurance/car payments or anything like that). Is my cell phone bill going to establish a credit score for me?
What are some good ways to build credit when i have none yet? I've tried applying for student credit cards and whatnot, but was denied for all of them (I'm a sophomore in college). Frankly, it is crucial that I am able to get student loans without a cosigner by next summer, which means I need to build credit relatively quickly. I have a lot of money saved up from working. I have a savings account, but not a checking. Any suggestions? thanks.
Well I never had Verizon, but I had AT&T and Cingular. If you are on a Monthly plan where you pay the bill every month, then yes, that will be reported on your Credit History file. But if you are a pay-as-you-go type of Go-phone, or any version of pre-paid phone, then No, it will not be on your Credit history. Anytime someone asks for your driver's license or social security number, as proof of your identity, then they are running a credit check on you. Utility companies can do this too. So pay that bill early every month, and don't keep applying for credit with all those store credit cards. Everytime you apply for credit, you are making a negative impact on your credit history. Banks see it as you being desperate, and risky. You have to look very non-risky to your lenders. Getting student loans is one way to start establishing credit. Well your student aid should be based on your income, depending on your age. If you are having to go by your parent's income, then why won't they co-sign for you? Do they not want you to go to college to make something of yourself? Other ways to get established, is length of time at your current employer... so if you stay at the same job for a long time, have no other debts, have no rent or little rent, then eventually you can apply for store credit somewhere. But don't apply everywhere, just one place. As i said before, the more you apply, the more risky you look. Think of credit like a prostitute on crack... you don't wanna go swiping your card in every slot around town... Just apply to one store, and see what happens. Then if you get it, pay it on time every month. Don't over charge. Credit is a formula of debt to credit ratio and length of employment and length of credit history... and numerous other factors. Good luck!
Filed under auto insurance price quote by on Jan 27th, 2010. Comment.