January 2013

Fun out of the Ordinary Weddings

Fun out of the Ordinary Weddings

Everyone wants to have a wedding that is memorable. It is one of the biggest days of your life. Chances are you will want to remember the day with fondness for years and years to come. So why not have a wedding that is fun and out of the ordinary? The following are some ideas of fun things you can do for your wedding. First, everyone knows you must have a first dance with your new spouse, so why not make it unique? Start out by doing the typical lovey-dovey slow song and halfway through have the music switch to a fun swing dance. Or choreograph your first dance so you and your spouse perform in front of all your guests. This is something that is really fun and out of the ordinary, because nobody will be expecting it. Second, consider making a kids only area if you are expecting a lot of little ones. Have an area where they can play with some toys, or simply color so that the adults can have an enjoyable evening celebrating. A lot of people don’t go to receptions with their little ones because it is a hassle, if you make a designated spot for them your guests will be very appreciative. Third, be creative in what guests can do at your reception. Consider a photo booth, tarot card readers, or magicians. Sometimes these fun and random activities can be really fun and memorable. Everyone tends to like to let loose and do something out of the ordinary. If you choose to do a photo booth consider including props including mustaches, bow ties, giant sunglasses or sombreros to get people having fun and being wacky. Fourth, consider having a fun do-it-yourself dessert bar. Perhaps have cupcakes that the guests can decorate any way they want with an array of different flavored icings and toppings.

People like to get creative with their desserts. Fifth, if you happen to be in the Florida area consider checking out Ft. Walton Beach Weddings. It can be really fun and out of the ordinary church wedding to get married on the beach. Not only would it be fun, but let’s face it, you could get some awesome pictures! Sixth, create a unique guestbook. Instead of having your guests simply write their names in a pretty book, make it fun. Have questions for people to fill out such as “how do you know the couple?” and “what is your best memory of the bride or groom?”. Also another fun idea is to have people draw pictures of the wedding couple. These ideas are really fun and will spark imagination and creativity in your guests. Seventh, put disposable cameras on each table and let the guests take candid pictures of the night. These often turn out to be some of the funniest pictures from your wedding. Although this idea might not be unique, the pictures I’m sure you’ll get from it will sure be unique. So take some of these fun and out of the ordinary ideas and have a great wedding that will keep people talking!

Short Sale 101

Short Sale 101

Inevitably there are people who will lose their homes in this economic disaster that we are facing.  The question is how long will it take them to rebuild their lives afterwards?  With a successful short sale instead of a foreclosure more option are available and less time is required in the rebuilding process.

One of the great things about short sales is that the owner gets to have much more control over the process.  You get to pick a buyer, etc.  It is much like a normal home buying process.  The difference is in the paperwork.  You have to work with your lender and get approved for a short sale.

It can take months to get approved, so you need to start right away.  Banks are going through tons of applications, especially in this market, so really get on the ball, so you can get them everything that they need.  You’ll need to prove that you are struggling financially, so if that is the case you’ll need documentation of income.  The banks probably won’t care about any other debt that you have, just your income in relation to your payment will be the concern.

Often the banks will even foot the bill for mailing all the documentation and they use express services so it gets to them as quickly as possible.  Each day costs them money as well.

You do not have to be behind on payments to apply for a short sale.  In fact the sooner you let the bank know about your financial predicament the better.  They may even be able to help you bring down your payments so that you can still afford your monthly mortgage payment.

Oft times you can get your loan deficiency forgiven if you do a short sale, but that is not always the case, but work with the bank to figure things out.  With a foreclosure you are going to not have anything left to pay, but you’ll also have a very low credit score, foreclosure on your credit report, and won’t be able to apply for a home loan for 5-7 years.  This will also severely impact your ability to get a car, etc.

With a short sale it is more likely going to be 2 years before you can get a new home loan, but in some situations you might be able to immediately, which can be a blessing in this great housing market when you are trying to downsize to something affordable.  Rent can be a better deal or a harsher deal depending on your location, family size, etc.

To make your short sale go smoothly hook up with a short sale realtor Las Vegas has to offer.  You’ll get some amazing help this way and the faster you sell your home the better for the bank and for you.  You don’t want all of your hard earned savings going towards mortgage payments after you’ve lost your white collar job, now do you? Another tip is to make sure that your home is showing well, just as with any other home sale – keep it clean and uncluttered for when buyers come to look.