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Price $ 289,900
Address 2264 S. Alaska Ave
City / State Provo, UT 84043
Bed / Bath 3 bedrooms / 2 bathrooms
Size 3,963 Sq. Feet
Lot Size 0.21 Acres
Garage 2 Car
Year Built 2011
Property Description
Move in ready! Brand new energy star rated home, 90% efficient furnace, front yard landscaping included, knotty alder cabinets and kitchen island, grand master bath, amazing views of lake and city.
Alarming headlines about our soaring national indebtedness frequently splash across the front pages of newspapers, our TV’s and computer screens, but members of congress aren’t the only ones who’ve racked up a hefty balance. Mr. and Mrs. America have some pretty serious debt obligations of their own.
The Associated Press reports U.S. borrowers held an average credit card debt of $4,962 in the period spanning from January to March of this year, down 4.7 percent from the previous quarter. The decrease is attributable to payments made on holiday season purchases, part of a natural credit cycle that analysts say don’t indicate real trend. Looking back a year ago at the same time, credit card balances are actually up 6.1 percent.
The general consensus amongst some experts is that rising credit card purchases reflect growing consumer confidence, but the Quizzologists aren’t convinced quite yet. The European debt crisis still looms, storm clouds gather over the Iranian nuclear program, and U.S. growth rates and jobs numbers remain anemic. We’re not out of the woods yet. This week, the Quizzle blog took an in-depth look at the state of America’s plastic. Here are some choice cuts:
Quizzle Weekly Money Tips: Credit Cards was originally featured on Quizzle Wire
Quizzle.com is the easiest way to get a complete understanding of your credit. Visit Quizzle.com to get your free credit report and score. No credit card or social security number necessary!
Building credit has a few similarities to sports (after all, it’s called your credit ‘score’ for a reason). Like all sports, when checking your score, you’ll notice it deals in points. Also as in sports, sometimes you’re up and sometimes you’re down. Unlike sports played for fun, however, if you look up at the board and see your “team” getting shellacked, you can’t just pick up the ball and go home. There’s no ‘mercy’ in this particular game; you can never stop playing—the game simply goes on without you.
Happy to relate, this full-contact lifelong sport, while tough, also has rules. One of the cardinal rules, if you want to build your credit, is to avoid credit card debt. Here are five important things to know if one (or more) of your credit card payments somehow gets “intercepted” on the way to its intended target:
Made a mistake? Keep playing—it’s a long game. Any good personal finance blog will tell you it’s important to get your free credit score, but it’s also important not to fixate on the day-to-day number or beat yourself up for being human. In fact, unless your payment comes in a full 30 days behind, it cannot be reported to the credit bureaus and thus won’t appear on your credit score. If you’re one or two months late, one time, then the damage should be minimal. When striving for credit improvement, the most important thing is establishing solid fundamentals. If you’ve missed a payment don’t panic but make a point not to repeat the mistake. Building credit is about demonstrating your payment discipline to lenders over time. If possible, setting up automatic payments is a good way to avoid human error. If not, find an effective means of reminding yourself what’s due to whom and when.
Once my payment is officially late, what happens? After 30 days, your creditor will do the following: First, likely charge a late fee (often in the $15-35 range). These fees continue each month payment is overdue. Second, they’ll report your late payment(s) to the three credit bureaus which record that fact on your credit report where it stays for seven years. This then results in a lowering of your credit score. Third, after a full 60 days delinquency, your interest rate can be raised, which increases the burden of your balance. With your balances growing and with payment history accounting for 35% of your credit score, you can see the dangers posed by missing payments.
The collateral damage isn’t quite as bad as it used to be. The Credit Card Accountability, Responsibility and Disclosure Act of 2009 (CARD Act) banned what’s known as “universal default”. Before 2009, Credit Card ‘X’ could hike your interest rate if you were late in paying Credit Card ‘Y’. To return to the metaphor, universal default was similar to a coach making the whole team run wind-sprints to punish them collectively for the mistakes of a single guy. Thankfully, this is no longer allowed, which helps mitigate the consequences of a good-faith error or a lapse in payment.
If you’ve made a mistake or two, you may be forgiven. If you’re a repeat-offender, this tip probably won’t be of much utility. However, if you’ve legitimately missed just one or two deadlines over a long business relationship, politely asking for some understanding from your creditor may result in the waiving of fees or other penalties. It’s certainly worth a try. Remember: you’re still the customer even if you’re not always right.
Stay in touch with creditors and pay them ASAP. When you miss a payment or fall further behind on your balance, don’t compound your errors by running from the problem. As stated before, the credit score game goes on, whether or not you’re playing. Ignoring the problem won’t make it go away. You may be able to minimize damage and harassment by turning the tables and calling creditors first. Explain your situation to them and resolve to make the payment as fast as you can.
Don’t throw good money after bad simply because you feel overwhelmed or intimidated by answering your phone. Instead, proactively work on building credit, checking your credit score regularly, and dealing with problems you encounter along the way. Do those simple things and you can focus on a much more enjoyable game: the one on TV.
Five Things to Know If You Miss a Credit Card Payment was originally featured on Quizzle Wire
Quizzle.com is the easiest way to get a complete understanding of your credit. Visit Quizzle.com to get your free credit report and score. No credit card or social security number necessary!
Facebook is officially a public company, but will the $100+ billion phenom live up to its expectations? Weigh in, we did.
Take Our PollThumbs Up or Thumbs Down on Facebook? was originally featured on Quizzle Wire
Quizzle.com is the easiest way to get a complete understanding of your credit. Visit Quizzle.com to get your free credit report and score. No credit card or social security number necessary!
Born in 1981, I have always considered myself a generational mulatto, born of two temporal parents – one digital, one analog. I remember taking tests or receiving homework assignments made by the mimeograph, but I also remember staying up past my bed time to play Super Mario Bros.
This week’s blogger extraordinaire takes this into account when he doles out the financial advise. Jeremy Vohwinkle, creator of Generation X Finance, www.genxfinance.com for short, understands the digital age and tailors his financial advice to the new and improved, digital human. Because, let’s face it, for anyone under the age of 55 social security isn’t a social welfare program, it’s an oxymoron. Vohwinkle’s perspective is unmatched and his experience extensive, it is my advice that you read and take his.
Personal Finance Blog of the Week was originally featured on Quizzle Wire
Quizzle.com is the easiest way to get a complete understanding of your credit. Visit Quizzle.com to get your free credit report and score. No credit card or social security number necessary!
One of the most modern ideas regarding pets is to have interior doghouses to make your home more welcoming for both humans and pets.
The main point is for the houses to be comfortable and warm, creating harmony in your house.
You should also think about the fact that these houses also need to be easy to clean.
The newest trend regarding the doghouses is to create a house that matches the style of your home so that you don’t have to sacrifice looks for your pet. For this it is a very good idea to create a pet house inside your end table.
No matter how complicated this may sound at first, all you have to think about is for the bottom of the table to be empty so that your pet could enter. In order to make sure that it is comfortable, you could also add a pillow.
The good news is that doghouses of this kind come in different kinds of finishes. You can be sure to find one that will match the interior of your home. It doesn’t really matter whether you have a big or small dog; these doghouses come in different sizes according to the size of the dog.
If you are wondering why you should opt for a modern doghouse of this kind, one of the reasons you should consider is that it can save you some space. This is especially important if you are living in a small apartment. Most probably you know that you can seldom find a doghouse that blends in with the interior design of the house.
As you may have already thought, you could have this doghouse near the sofa, in the living room. The good thing about it is that you can use the top of it to store items, so it becomes a multifunctional piece of furniture.
Naturally you could place it in just any part of the house. It may also be a good idea to have several doghouses to make sure that no matter where you are the dog can also be there with you.
You may see that such doghouses have absolutely no disadvantages. They save you place and they accommodate the dog making it feel comfortable. You can be sure that your pet will appreciate the fact that it can be with you no matter where you are and you will appreciate the design note you will bring into your home.
(photo by www.home-designing.com)
Everyone should always try to be careful when they are thinking about living room color ideas because you don’t want to end up choosing something that is too outrageous. Everyone thinks that coloring the living room in the colors of their favorite sports team is a good idea at first, but it usually doesn’t turn out too well if you actually try to do it.
The same goes for the colors of your old college or anything else that does not have much to do with basic interior design.
There are only a few different colors that you should be thinking about when you are planning everything out because some colors will have your guests feeling unwelcomed in your new home.
Black is definitely a color that turns some people off because they view it as a depressing color that doesn’t offer much in terms of welcoming them to your home.
If you are going to welcome guests into your home properly then you need to put a lot of thought into your living room color ideas.
Along with providing a welcoming atmosphere for your guests, you also need to make sure that your color ideas blend with the rest of the room. This is why buying furniture at the same time as painting your room is a good idea because you can make sure the colors between the two major aspects of the room actually match. The flooring is another story, but you still need to make sure that it too can go along with your furniture and wall colors.
You can completely change your home with the right living room color ideas, and you need to be willing to make a lot of changes if you want to see something different. Most people will not be able to simply paint their walls and keep the same furniture because not all furniture will match with all of the colors of the walls.
If you are not willing to get new furniture then you need to make sure your new wall colors fit with the couches and chairs that you already have in your living room.
It’s important to remember that you should follow what your heart desires when it comes to colors. Always make sure to ask your friends and family members what they think about your ideas so you can get some instant feedback on your plans. Never go through with a plan if you have not put a lot of deep thought into it over the course of a few weeks.
You should always make sure that you never rush into new living room color ideas because sometimes you can end up making a huge mistake when everything is said and done. You don’t need to sit around and think about your colors for months, but you also shouldn’t start painting a day after you think you’ve solved the colors problem in the living room.
American consumers have been hungry for miracle products even before Geritol wooed millions of senior citizens as the sponsor of the rigged game show Twenty One. Now, the new tonic for easy-fix questing shoppers are tone-up shoes; sneakers purported to help you lose weight and be healthier simply by the virtue of wearing them, a rouse the Federal Trade Commission simply isn’t having.
Sketchers, the shoemaking guru of a new generation, has been slapped with a lawsuit resulting in a $40 million settlement to buyers who purchased their Resistance Runners, Tone-ups and Toners with the hope they could miraculously improve their health and lose weight by doing… well… nothing. It seems silly, but our “The Duke and the King” culture seems woefully susceptible to such wild claims.
Miracle solutions, magic potions and wish fulfillment are the stuff of fairy-tales. If you want anything in this life, the disappointing truth is that we all must work for it – whether it be better health, improved credit, or sexy calves.
FTC Tells Sketchers to Shape-up to the Tune of $40 million was originally featured on Quizzle Wire
Quizzle.com is the easiest way to get a complete understanding of your credit. Visit Quizzle.com to get your free credit report and score. No credit card or social security number necessary!
