To rent or to buy? That is THE question.

Posted on 24, Aug | Posted by malickson

To rent or to buy? That is THE question. It used to be such a simple question with a few tried and true answers depending on one’s lot and station in life. Now, to put it lightly, not so much.

There have been just a few changes over time, perhaps even today while you are reading this, that play a role in making that choice [insert sarcasm here]. Times have changed; social values have changed; the roles of men and women in the economy have changed; life expectancy has changed; the process for buying and financing homes has changed; the ways people work and live have changed; the ways people save and spend money have changed; the speed, accuracy and flow of information has changed; all in all, everything has changed. As we will see, all of these changes, the current real estate crisis and more, play critical roles in deciding whether to rent or whether to buy.

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What has my son taught me today about being a dad: Pick your battles!

Posted on 15, Aug | Posted by malickson

The reverse engineering of adult relationships through lessons learned as a parent. Hmmm. If it makes being an adult as much fun and as enriching as being a daddy, I am all for it and maybe you should be too.. All my life, I have worked on being less focused on the principle and more aware of the big picture. Call it a quest to better my “is it worth it” meter. Well, thankfully, I have finally found the antidote to my often principle driven blindness. That’s right; you guessed it, my boy. These past three years, which have passed in a flash and at a glacial pace at the same time, have been an ongoing exercise in figuring out what is worth it, what is not and, ultimately, how to pick my battles and minimize conflict. Why should you care? Well, by sharpening and honing your “worthiness meter” and paying more attention to your willingness to engage in conflict, you will most assuredly find yourself getting upset less and experiencing less conflict. YOUR STRESS LEVEL WILL DECREASE AND YOU WILL BE HAPPIER. If it works for me, it can work for you.

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Buying a home in the DC region? There are assistance programs out there for you. Yes, you!

Posted on 29, Jul | Posted by malickson

So, thinking about buying a home are you? Well, if you have a lucrative job, stellar credit and cash in the bank or equity in your current home, take a deep breath and relax. You are in good shape. While you will still have to navigate the super scrutiny of the lending industry and perhaps give up a pinkie toe, in the end, there are extremely attractive financing options available for you. We are up from historical lows; but, rates are still very favorable and prices are for the most part still distressed.

Now, for the rest of us, the millions and millions of people that do not have a job that pays so well, have less than stellar credit and have little to no cash in the bank or have to break out a history book to refresh yourself of what equity in your home used to be, this post is for you. There are countless assistance programs here in the DC region that you probably never heard of and probably think you do not qualify for. Well, they are out there and you would be surprised at who is eligible for help.

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3 Reasons Why Every Homeowner Needs Title Insurance

Posted on 26, May | Posted by malickson

This may come as a surprise to some of the people I work with every day in my industry; but, title insurance is not the most exciting, sexy, engaging topic in the real estate world. Most likely consider it either a necessary evil or an institutional evil that they must endure in order to buy or refinance a home. Even more so than most forms of insurance that people are familiar with, the chances that you or your lender will need to make a claim on your title insurance policy is pretty freak’n slim. However; these days, in the wake of the economic collapse centered on real estate, the staggering foreclosure problem and the general rise in fraudulent activity, title insurance is more important than ever. Let’s take a look at why.

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