http://www.financealley.com en-us editorial@financealley.com The router is one of the most versatile tools in the workshop. With the correct bits you can form edges, add decorative inlays and even make raised panel doors. Practice is the key to successful routing. However, the right bit is just as important. In thi... http://www.financealley.com/article_533701_15.html 08th May 2008 The router is basically a simple portable tool, consisting of a very high-speed motor mounted vertically on a horizontal base plate. In this article I'll cover the types of routers available as well as the safe way to use them. Parts Of The Router Mot... http://www.financealley.com/article_530666_15.html 07th May 2008 The reciprocating saw is an adaptation of the saber saw, or jig saw, for heavy duty work such as construction. In this article I'll cover the types available as well as blade types and their uses. Reciprocating saws range widely in power, speed, and fe... http://www.financealley.com/article_526447_15.html 30th April 2008 In a previous article I covered selecting the right circular saw and using it in a safe manner. In this article I'll cover how to adjust and set your new saw as well as how to pick the right blade for the job. A safety tip before I go on. When replacin... http://www.financealley.com/article_521521_15.html 24th April 2008 Any portable saw you buy for your home or shop should be capable of cutting a 2 x 4 piece of wood at a 45-degree angle. In general, saws that have a blade diameter of 7 or more inches are good choices. Using a saw safely should be of primary importance. I... http://www.financealley.com/article_513190_15.html 09th April 2008 In normal use, electric and cordless drills require little maintenance beyond a periodic lubrication and, after considerable use, replacement of the motor brushes that make electrical contact with the rotating commutator. Since maintenance varies with mak... http://www.financealley.com/article_506369_15.html 03rd April 2008 Arguably one of the most important inventions in modern times, the portable drill has proven to be one of, if not the, most important and useful tool today. In this article I'll offer a few tips on how to choose the right power or cordless drill for your ... http://www.financealley.com/article_504914_15.html 02nd April 2008 Without a doubt one of the most common housekeeping appliances is the ordinary vacuum cleaner. These range from light-duty models up to the 100 gallon shop models. What vacuum you choose depends largely on the demand you expect to place on it. In this art... http://www.financealley.com/article_499330_15.html 28th March 2008 Levels in their basic form have been used for thousands of years. Ancient South American Indians used a crude form of the level, utilizing water in a bowl to form a bubble, to design and build their irrigation canals. Modern researchers have marveled at t... http://www.financealley.com/article_491499_15.html 19th March 2008 Winter Haven, located in the heart of Polk County, is home to roughly 30,000 people which makes it one of the largest cities in the county. This county is one of the most rural counties in the state of Florida and is distinguished by its rolling hills an... http://www.financealley.com/article_482078_15.html 26th February 2008 Human nature being what it is, it should come as no real surprise that a great number of people facing foreclosure fail to act until it is far too late. The question is why the delay when there are countless resources and services available? One could pon... http://www.financealley.com/article_240491_15.html 06th November 2007 Recently RealyTrac, a real estate information watchdog located in Irvine, California, reported yet another doubling in the number of foreclosure filings across the United States. Homes going into foreclosure almost doubled last month compared to September... http://www.financealley.com/article_230745_15.html 21st October 2007 Just when it seemed the real estate market couldn't get any worse in California, foreclosure filings continued to increase across the state showing no signs of abating. The primary contributing factors are the continuing downward spiral in real estate pri... http://www.financealley.com/article_219451_15.html 25th September 2007 Is Arizona going to see any relief soon from record setting foreclosure filings? According to some experts the figures have not peaked and will continue to increase.RealtyTrac recently reported a 189 percent increase in Arizona foreclosure fil... http://www.financealley.com/article_215839_15.html 20th September 2007 An all too familiar site continues on courthouse steps across the state of Virginia as homes in foreclosure continue to go on the auction block. Earlier this month it was reported that foreclosure filings in Virginia have increased more then 300 percent t... http://www.financealley.com/article_212960_15.html 13th September 2007 It has been difficult to put a positive spin on the foreclosure crisis gripping this country, but the news out of New Jersey gives the impression that although all is not well at least the bleeding has slowed down somewhat. According to RealtyTrac, las... http://www.financealley.com/article_209537_19.html 31st August 2007 How is one state addressing the current real estate foreclosure situation? Missouri like so many other states during 2006 experienced a dramatic rise in the total number of properties involved in some stage of foreclosure, yet the "show me" state isn't si... http://www.financealley.com/article_206924_19.html 26th August 2007 Try to picture being hung upside-down over a yawning chasm. Imagine further still hanging there watching helplessly as the cash in your pockets slowly falls out piece by piece never to be regained as it disappears into the gloom below. Now picture the hom... http://www.financealley.com/article_202480_69.html 16th August 2007 A newspaper in Lee County, Florida recently reported that the number of property foreclosures for the month of July 2007 had topped out at over 1000. Adding to that dismal statistic is the fact that homes sold there during the same time period barely topp... http://www.financealley.com/article_202141_15.html 15th August 2007 For obvious reasons the qualification requirements for a mortgage restructuring are quite different than those for a first time home buyer. The homeowner's attempt to restructure usually indicates some current, or recent, financial duress on the homeowner... http://www.financealley.com/article_201602_69.html 14th August 2007 As property foreclosures continue to surge across the country homeowners and lenders alike are seeking new ways to prevent this from happening. One method is loss mitigation. It is a set of tools the lender uses to stop foreclosure. These may include a pr... http://www.financealley.com/article_200078_19.html 10th August 2007 Much like the rest of the country the news out of California regarding home foreclosures is particularly gloomy. Increases in foreclosures in this state are climbing at astronomical rates, over 160% by some counts, and the trend shows little sign of slowi... http://www.financealley.com/article_198436_19.html 07th August 2007 Homeowners looking to stop foreclosure are faced with a number of options, one of which is doing a short sale. Some people, depending on their situation, may allow a property to go into foreclosure instead of attempting a short sale. One reason is they do... http://www.financealley.com/article_194274_19.html 30th July 2007 Closing costs are an inevitable part of buying or refinancing a home. Closing costs can represent a significant out of pocket expense. If you are involved in stopping foreclosure this becomes problematic as you are likely trying to conserve whatever cash ... http://www.financealley.com/article_192889_19.html 26th July 2007 It should come as no big surprise that the number of mortgage loan officers has grown proportionally with the real estate market. The problem being faced by the consumer is choosing a loan officer who has the right experience to evaluate their particular ... http://www.financealley.com/article_192849_70.html 26th July 2007 For many homeowners seeking help to stop foreclosure, refinancing their current mortgage is quickly becoming the option of choice, especially if they feel their home has enough equity in it to justify the decision. The only way this can be determined, how... http://www.financealley.com/article_190823_19.html 24th July 2007 Are you a first time homebuyer? What you need to know is all right here. Buying your first home is exciting. Though, there are some tips that can make the process more fun and relaxing, rather than intimidating and stressful. With all the costs invo... http://www.financealley.com/article_178501_19.html 29th June 2007 Major news services recently reported that mortgage foreclosures have increased as much as 62% over last year. They are also stating the worse is yet to come and there will not be a soft landing for the housing crisis. These numbers are staggering, fright... http://www.financealley.com/article_178481_19.html 29th June 2007 No homeowner ever intends to miss mortgage payments. Life, as most have learned, has the tendency to throw us a curve when we least expect it. Job loss, death or divorce can quickly throw our life and finances into chaos. Homeowners can’t always prevent... http://www.financealley.com/article_177901_19.html 27th June 2007 It may not be easy finding the perfect home in the perfect neighborhood, though the right tools can help. What are the right tools, you may ask. This is a quick guide that will show you what the tools are for finding the perfect home in the perfect neighb... http://www.financealley.com/article_177301_19.html 26th June 2007 Finding a motivated seller, what to look for and why. The reason it is so important to finding a motivated seller, is because that is what makes an awesome real estate transaction. When you are looking to purchase real estate, the seller you want to lo... http://www.financealley.com/article_177299_19.html 26th June 2007 Finding your dream home is probably the most important purchase you will make in your life. The best way to do this is to get the help of a realtor to make sure the purchase goes as smoothly as possible. In order to help your realtor find your dream h... http://www.financealley.com/article_177295_19.html 26th June 2007 For the homeowner who has missed a few mortgage payments the foreclosure process can start very quickly. During this stressful time it is critical you promptly take action to stop the foreclosure process and try to save or sell your home. Keep in mind tha... http://www.financealley.com/article_177293_19.html 26th June 2007 What does it take to find the right Realtor chemistry? That is a good question. The Realtor you are going to be working with for your real estate transactions can be someone you work closely with for several months, sometimes up to a year. Therefore y... http://www.financealley.com/article_176795_15.html 20th June 2007 FAQ’s that all first time homebuyers need to know. Here is a list of ten FAQ’s that will make the decision of buying your first home easier and more manageable. 1. To buy or not to buy? That is a good question. When you rent there are benefits. How... http://www.financealley.com/article_176793_15.html 20th June 2007 Choosing the right realtor is key to your real estate transactions; here are eight tips for choosing the right realtor. Following these tips can improve your chances of getting a better realtor and a better deal on your real estate transactions. Start ... http://www.financealley.com/article_176790_15.html 20th June 2007 There are some simple steps to determining the commission to be paid on your home. The commissions that are paid out with the sale of a house are based on a couple different factors and decisions of the sale. However in general it is roughly 5%-6% of the ... http://www.financealley.com/article_176787_15.html 20th June 2007 What are the costs that can be expected when purchasing a home? You have carefully been preparing for this day all your adult life. Buying your home is likely to be the biggest purchase you will make in your lifetime. In your preparation you have worked o... http://www.financealley.com/article_176782_15.html 20th June 2007 Finding the right real estate agent right from the start is the best way to go. However there are five signs it is time to find a new real estate agent. Under some circumstances it is acceptable to terminate the buyer or seller and agent relationship. ... http://www.financealley.com/article_176780_15.html 20th June 2007 There is a saying that good news travels fast but bad news travels at the speed of light. If you happen to be embroiled in a foreclosure you probably understand what I mean. Aside from the bill collectors hounding you daily there now appears another group... http://www.financealley.com/article_176667_19.html 20th June 2007 There are many misunderstandings concerning the issue of foreclosure. Unfortunately these misconceptions have lead many homeowners to take all the wrong actions in trying to stop the foreclosure process which ultimately causes them to lose their homes. Be... http://www.financealley.com/article_176199_19.html 19th June 2007 Closing costs is an inevitable cost involved when purchasing a home. However, there are ways to minimize them, here is how. When you sit down to negotiate the final costs of the home, is a great time to talk about the closing costs. With some negotiati... http://www.financealley.com/article_175244_19.html 16th June 2007 Broker, Agent, Realtor, what is the difference? You often times will hear people talk about a Realtor, Agent and Broker interchangeably. However if you used the same generalization in the medical field, you would be asking your nurse to conduct brain surg... http://www.financealley.com/article_175208_19.html 16th June 2007 With the real estate market doing so well, it is good to know the advantages for using a Realtor over FSBO or For Sale By Owner. Unless you are an experienced home seller, you will find that selling your home without the assistance of a Realtor somewha... http://www.financealley.com/article_175202_19.html 16th June 2007 Real estate transactions are complicated affairs and can be costly if completed incorrectly. There are ten reasons it pays to use a realtor. After you have decided to purchase or sell a home, then it is time to find the right realtor. However if you are o... http://www.financealley.com/article_175191_19.html 16th June 2007 Real estate is not something that can be done on a part-time basis. Here are seven reasons not to use a part-time real estate agent. A real estate agents main focus is to sell. Therefore it is important to find a real estate agent that will focus full ... http://www.financealley.com/article_175187_19.html 16th June 2007 There are five handy tips to finding great real estate listings in Wilmington North Carolina. Finding the perfect home is not always simple, however with the right tips it can be easier. With all the homes available in Wilmington and the market going b... http://www.financealley.com/article_174874_19.html 16th June 2007 Finding the best local realtor does not have to be hard, however it does take a little effort. Here are five tips to make your search a little easier. In the common talk of real estate topics, there are questions that come about regarding the amount of... http://www.financealley.com/article_174871_19.html 16th June 2007 Real estate transactions come with risks, competition, and expenses. With your financial and family future on the line, there are five reasons to use a buyer’s agent in order to give you a fighting chance. The buyer’s agent is a realtor that has go... http://www.financealley.com/article_173196_33.html 15th June 2007 If you plan to be in business for any amount of time you better be able to compete with the big boys, because the competition will inspire you or immobilize you. One important thing to remember is that you will not win 100 percent of the battles, but the ... http://www.financealley.com/article_162561_15.html 21st May 2007