Six steps towards successful buying at eBay auctions

Written by Stephen Reynolds


Buying on eBay can be very rewarding, either in terms of being able to pick up items cheaply or for hunting for hard to find items. Although generallyrepparttar experience is good, there are instances where things can go badly wrong. These tips, based on experience overrepparttar 101352 last seven years, should help to avoid some ofrepparttar 101353 potential pitfalls.

1. Make use ofrepparttar 101354 various tools provided on eBay to ascertainrepparttar 101355 target price of items you are interested in. A simple way to do this is to 'search' for completed items.

2. Always check that there are no hidden costs associated with your potential bargain. These may may include unspecified unspecified postage costs, or paypal fees chargeable torepparttar 101356 buyers. If in doubt e-mailrepparttar 101357 buyer and if you don't get a response then don't bid. Remember that when buying from overseas postage costs can be significant compared torepparttar 101358 price ofrepparttar 101359 item and also for more expensive items you may be liable to customs fees.

3. Check outrepparttar 101360 seller's feedback. You should be aiming to buy from sellers with feedback of at least 98 per cent - if it is less and you are interested in an item readrepparttar 101361 feedback comments to satisfy yourself thatrepparttar 101362 buyer provides a good service. In particular, readrepparttar 101363 neutral and negative feedback posts to try to work out what may have gone wrong with previous transactions.

The Single Most Important Thing you Must Know if you Own a Home

Written by Jeff Blovits


Don’t ever, ever lose your job!

That’s right, it’s not your credit score or your assets or your equity or even Location, Location, Location that matterrepparttar most, it is whether or not you have an income stream capable of supporting your mortgage. Most people think of their home asrepparttar 101351 safest of investments that they have. It can be but only if you manage it correctly. If you have equity in your home, you are subject torepparttar 101352 risk of loss of that equity at any time you can no longer afford to make your payments. It doesn’t matter how many years you have paid perfectly, if you for some reason can’t,repparttar 101353 bank will not let you slide for a few months to be nice. As a matter of fact,repparttar 101354 more equity you haverepparttar 101355 more attractive it is to them to foreclose on you. That to me isrepparttar 101356 exact opposite of a safe investment!

I counsel my clients to understand thatrepparttar 101357 most important thing they want to maintain is liquidity. They want to haverepparttar 101358 access to enough cash or near cash reserves that they are in charge or their financial choices.

This may not seem like a revolutionary idea but I would argue it is something that a great many people do very poorly. My clients are above average as far as wealth in their socio-economic groups. They tend to have more wealth per average income or job position than their peers. And most if not all of them have less than 5% equity in their homes!

There are many factors that contribute to wealth and putting your home equity to work isn’trepparttar 101359 magic criterion that assures you will be wealthy. But consider why these people are positioned this way and mayberepparttar 101360 connection will become clear. In addition to liquidity, other benefits include increased safety, rate of return, tax savings, elimination of non preferred debt and establishing an emergency side or reserve fund.

How does all of this relate to income? Consider that if you lose your income you loserepparttar 101361 ability to get access torepparttar 101362 equity in your home. And guess when most people need access to that moneyrepparttar 101363 most? You guessed it, when something unexpectedly affects their income stream, like a job loss. Lenders will make loans to someone with bad credit, with no assets or reserves and with limited time in a certain field of work but if you don’t haverepparttar 101364 ability to pay them back when you lose your job, they generally don’t want to lend you money!

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