Die *LICHTWÖLFE* » If you don't have a will

If you have been thinking about putting your Ottawa home on the market you may have been entertaining the thought of selling it yourself. Why? To save money of course and avoid the commission charges you’d be paying your agent.


This concept is not new and if it really were the cost effective alternative then everybody would be making the decision to sell their home on their own. But they aren’t. There are thousands of real estate agents across the country that are used every day to sell homes because using a real estate agent is really the most cost effective solution


Just think about it for a minute. When your car breaks down it would save you a lot of money to do the repairs on your own. If you don’t know how to do them you could learn how and save money right?


Wrong.


The time it would take you to learn how to fix your own vehicle would not end up saving you any money in the end. It would take too long and it is simply not worth it. Plus Cheap Duncan Keith Shirt , you would have to do without a vehicle while you were learning how to fix it.


Society has been designed so that different people learn a different skill and then offer it to the Ottawa marketplace in exchange for money. That is what a real estate agent does. He offers his trade to the public in exchange for a commission.


If selling a Ottawa house were as easy as putting up a sign and a single ad in a classified section, real estate agents would not be needed. But they are needed.


A Ottawa agent has the skills, training and resources to help you sell your home. While you are learning about the marketing resources and the legalities of selling your home, your agent could have your home on the listings and have potential buyers viewing it.


Just like having your car sitting while you learn to fix your vehicle Cheap Patrick Kane Shirt , your house will be stagnating while you learn how to market it effectively.


How much is your time worth?


When you consider the amount of time and energy you’d have to put into selling your Ottawa home on your own, it simply is not worth it. Your time is valuable and you will have to put in overtime to sell your home on your own since you will not be given access to marketing resources such as the Ottawa MLS(R) listings like the agents have.


All in all, the high cost of selling a Ottawa home on your own simply isn’t worth it.


Roch St-Georges is a Real Estate Agent in Ottawa, Ontario Cheap Marian Hossa Jersey , Canada 613-800-2211. HomeLife Capital Realty Inc. Brokerage.


Having a baby changes everything in your life. Not only are you facing a new lifestyle, but you need to make some financial changes as well.


Start with looking at your budget. While little ones don't take up that much room, preparing for their arrival can take some money. Your new budget should include food, diapers Cheap Gustav Forsling Jersey , baby clothes and health insurance costs. Then consider all of the one-time expenses that will occur before and after the baby arrives, such as strollers, car seats and baby monitors. You will be surprise at how fast the costs can add up.


Make sure you apply for a Social Security Number for your child. You will need it in order to take advantage of the tax benefits available to parents. You can apply when the baby is born. The easiest way is to apply at the hospital. Simply tell the hospital representative that you would like to apply for a Social Security Number for your baby. You will need your and your husband's Social Security Numbers. Your will receive your baby's card in a few weeks.


Make sure you protect your child's social security number and card. Identity theft is an increasing crime in this country. Don't give it out without good cause, such as to the IRS or for a savings account.


You may find that you will need additional insurance coverage Cheap John Hayden Jersey , especially when it comes to life insurance. Good coverage will give your child and spouse the funds to continue in a consistent way after your passing. Select the amount of coverage that will help your family meet living expenses, pay the mortgage and send your children to college.


Young parents are more likely to be disabled than killed in an accident. It is important to prepare for this by having disability insurance. This will replace a portion of your income so you can continue meeting your financial obligations until you are able to work again.


If you don't have a will, you need one. A will is the perfect place to name the guardian of your child in the case of both parents passing away. Without one, the state determines who raises your child. You can also establish what parts of your estate go where and to whom.


Once the baby has arrived Cheap Ryan Hartman Jersey , have it added to your health insurance as soon as possible. This will help avoid any mixups. Call in advance to see what you will need to do. You should also update your income tax withholding to reflect an additional dependent. This will give you a little more money in each paycheck, which you can spend on those endless packages of diapers.


Having a child is a good time to look at your finances and your goals. It is the perfect time for planning for the future.


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