Single Cyber Parent

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The first step in purchasing a home is qualifying for a mortgage.  To qualify for a mortgage a home buyer needs a credit score of 620.  However, it is best to get a copy of your credit report before going to the mortgage professional because there is often mistakes on your credit report.  The reason there is often mistakes in your credit report is that the report is done by people and computers.  Sometimes, the computer can compile or mis-compile information of people with similar names, similar numbers in their social security number, similar addresses, etc.  The reason I know these errors can occur as a result of the latter reason is that I had a client who was a junior.  His father filed a bankruptcy and the bankruptcy was showing on the son’s credit report.  I helped the son and father correct the incorrect information, and the son was able to purchase his home.

To find out if errors are on your credit report visit the credit bureau:

• Experian -www.experian.com
• Equifax - www.equifax.com
• Transunion - www.transunion.com

Once you have a copy of your credit report and you discover errors.  Dispute the errors with the credit bureau.  It will take 30 to 45 days for the credit bureau to investigate.  If the error can not be substantiated then the information will have to be removed.  By the way, the remove of the negative information does not automatically increase your credit score.  It may take as long as 60 to 90 days before the removal of the negative information will affect your credit score.

There are two additional facts that you need to know to be successful with getting a mortgage.

The first thing is that the mortgage company uses all three credit bureaus’ scores to create what the mortgage industry terms as a tri-merge.  Once the tri-merge is compiled the mortgage company uses your middle or median score to determine your eligibility for the mortgage.  This is the reason it is important to get a copy of all three credit bureau’s report.

Another fact that you need to know is that shopping around for a mortgage lowers your credit score, so take a copy of your credit report with you to prevent the reduction in credit score.  If the mortgage professional is not willing to use your copy of the credit report to give information about what products or mortgages they have to offer find another mortgage professional to work with that will.  Once you are happy with the product or mortgage allow the company to pull your credit report and begin the process.

However, before you finalize your choice in products please read tomorrow’s post to find out the difference between fixed and adjustable rate mortgages.

Related articles on credit

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• Go Direct To Credit Bureaus for Credit Score (bargaineering.com)
• 5 Ways To Kill Your Credit Scores (creditra.blogspot.com)
• A Free Credit Score Followed by a Monthly Bill (nytimes.com)
• How to Improve a Good Credit Score (bargaineering.com)

• Getting Rich While Paying Debt Off One of the wisest things that you can possibly do this year, if you are not already doing it, is to become debt free. Here is something that you may not currently be aware of: Gaining a control over your finances that you did not previously have could actually make......
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• Improving a Credit Score What can I do if I am denied credit? If you apply for credit and you are denied because you have a low credit score, then you should be aware that you have the legal right to know exactly why they denied you. Reasons for denial may include having too......

Tags: Business, Credit score, Equifax, Experian, family, Financial Services, Mortgage, single fathers, single parent, single parents get mortgage, Social Security number, TransUnion

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Recently, I announced to the world my desire to help children by writing a press release on www.taylorbrownrealestatetalks.com.  Check it out by click on the title, Fatherhood Equals Great Blog For One Father.

Taylorbrownrealestatetalks.com is an educational real estate blog that discusses real estate, and answer questions you did not know you had about real estate, insurance, and mortgages.

• Ben Stein Not Hot On Real Estate Here's an excerpt from Ben Stein's column about why he thinks real estate isn't such a great investment.That means the house has kept up with inflation -- barely.In fact, when I do the math, I realize that it hasn't fully kept up with inflation. Plus, the owner would have had......
• Real Estate Investments - Good Idea or Bad Idea? Right now, if there was a market that had bad news written all over it, it would be real estate. The housing crisis has made investors jumpy, the economy appears to be tanking and home values are plummeting across the country. Would you believe that this is actually a good......
• Rick Santelli Dropping Knowledge Bombs on Real Estate, Deflation, & Government Stimulus Rick Santelli's knowledge bombs are one of the few reasons I watch CNBC. He's one of the few who refuses to hype the pro-confidence, "sell the hope" marching meme that CNBC is promoting these days. If there are any politicians out there reading this blog -- and I know there......
• Finally! The real gamblers in real estate ... FreeMoneyFinance commented yesterday on a CNN Money article: Homes: Cashing Out Might Freeze You Out A lot of homeowners, seeing a nice rise in the price of their homes and a stratospheric market, think about (gasp!) selling their homes and getting back in later when the market cools down. Not......
• Riskiest Real Estate Markets In The US A lot of people are wondering where to invest in order to catch the next real estate boom. I don't have a ready answer for that, but Forbes magazine was nice enough to tell us where the riskiest markets are. 1. Miami, Fla. Due in part to escalating insurance costs,......

Tags: Business and Economy, News release, Press Release Services, Promotion, Property Law and Real Estate, Real estate, Web Design and Development

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Are you a single parent wondering if you could afford the “American Dream” of home ownership?  The answer is a resounding, “yes”.  However, it will require planning.

In order for you to be successful with your dream of home ownership it is is important to understand several things before getting started on your path to home ownership.  You must know:

• the difference between a home appraisal and a home inspection
• what your credit score is
• how much home you can afford
• what property tax exemptions you are eligible for and why
• what is the difference between fixed and adjustable rate mortgage
• what is replacement cost and how does it affect your insurance premium
• why is it important to shop around for insurance coverage
• why it is important to shop around for a mortgage
• what is mortgage insurance and what does it protect
• what is a FHA loan
• what is a conventional loan
• how much is needed, really, to purchase and maintain a home
• what money saving tips are available to help you maintain your home
• what should you be looking for in a home

Over the next series of posts a renowned and successful broker, author, co-author, and speaker will be addressing the above issues.

Ms. Brown has worked with several first time home buyers, but more importantly she has worked with and coached several single parents through the buying process.  In addition, all of the single parents that she coached through the buying process are still successful and happy homeowners today.

Ms. Brown has over ten years of experience as a real estate professional.  She prides herself on ensure that her clients understand the buying or selling process.  She accomplish this goal by educating her clients with books like “Should I Short Sale My Home” and “How to Make Your Home Sell”.  She also has a successful blog at Taylor-Brown Real Estate Talks.com.

Ms. Brown is not only a license real estate broker in both Indiana and Illinios, but she has two bachelor degrees.  One of her bachelor degrees is in business administration and the other degree is in electronic engineering technology.

It is equally important to point out the goal of Taylor-Brown Real Estate Talks.  Taylor-Brown Real Estate Talks’ goal is to empower the customer through education about real estate, mortgage, insurance, so that the consumer can achieve wealth through the listing and selling of real estate.

Tomorrow’s post will be on the all important credit score.  There has been a lot of changes in the mortgage industry in recent years, and Ms. Brown wants to share with you how those changes will affect your buying experience.

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• Buying A Vacation Home But Renting A Primary Home. Lately, my wife and I have been discussing the idea of continuing to rent a primary home here close to town but purchasing a vacation cabin a few hours from here. We can rent pretty much any house we want here in our area for around $1,000 a month, and......
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• Sarasota Foreclosures Reveal John's 3 Home-Buying Mistakes! (podcast) Sarasota real estate agent Mike Payne provides FREE podcasts for your eduTainment - please leave your comments, questions and/or suggestions below! [/caption] Enjoy this short podcast.... For more information, click the link. Sarasota Foreclosures Compound John’s 3 Home-Buying Mistakes! Description: Sarasota real estate exposes 3 common but costly home-buying MISTAKES,......

Tags: American Dream, Business, Credit score, Insurance, Mortgage, Real estate, Real estate broker, single parent

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There are challenges in every family, even if you are a celebrity.   Here are some of those challenges from around the blogosphere:

Jean Smart Announces Adoption of Daughter Bonnie – Celebrity Baby …

I’m very close to 58 and while choosing to parent a toddler would not be my choice at this age, if I had to or wanted to, I could. And I’d not only do a great job, I would have every expectation that I could continue to do a great job until … With both Jean and Richard at the cusp of 60 years old, a mileston that eliminates them from the normal adoption pool (the age limit is 50 plus you can’t be single, gay, obese, or poor), my bet is the child has “special physical or …

What’s a Prenup Worth? Tiger Woods (And We) Will Find Out …

But as so often, highly visible celebrity dramas are not just entertaining, they are also free education for the rest of us. If there is a prenup, can it be challenged? And if so, what is the best way to do it. Sit back, relax and enjoy the show (sorry Elin, we are entirely with you, but this is just what it is.) You can already find plenty of lawyers talking about who might get what on Google News or  morning TV shows. …. Single Parent Gossip Lifecasters …

Celebrity Single Parent - Oct 23,2009

What is it like to be a single parent and be a celebrity? Kim & Eddie talk to  celebrities who are raising their children under the watchful eye of the public and the media. Find out how they try and maintain a normal life while being a …

<a href=”http://www.singlemomsguidetoeverything.com/2009/12/celebrity-single-mom-bridget-moynahan.html”>The Single Moms Guide to Everything: Celebrity Single Mom Bridget …</a><p>As most of the people who commented on Hilton’s blog post noted, he knows nothing about being a single parent or the dynamics of co-parenting and perhaps should have just kept the drama-rama to himself. Kudos to Bridget for attempting …</p>

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• Jean Smart Says Adoption ‘Took a Lot Longer’ Than Expected (celebrity-babies.com)
• Alexis Hutchinson, Single Mom, Charged By Army For Refusing Deployment To Care For Infant Son (huffingtonpost.com)

• What's Justin Bieber's Connection To Canada And Atlanta? I've heard he was born in Canada, born in Atlanta, raised in Canada, raised in Atlanta. what the real story? People opinion : Starr say : He was born in area 51 after being trained to take over girls minds.Antania say : U have got to be the dumbest perso......
• Bodybuilding.com Personal Trainer Guide I was just searching around the net and I cam across the "Bodybuilding.com Personal Trainer Program". This is a free site that contains a great deal of information about setting up a program to help you meet your fitness goals, whether building muscle, losing weight, sexual health, aging gracefully or......
• Martinez Marina, Martinez, CA Martinez Marina is located in: Martinez, CA Phone: 925.313.0942 Average water depth: The average depth at this marina is 6 feet. However, this can change. We recommend contacting the marina ahead of time before you arrive. Is there a marine standby channel? Yes, the marina monitors Channel 16 and you......
• Best Products for Healthy Fingernails In tough economic times, one of the first things that have to go is the sweet indulgences like our spa appointments. Luckily, you can keep on pampering your hands with a manicure that is wallet friendly and absolutely wonderful. Here are some tools that you absolutely need to have to......
• We are out of recession, but It was slightly higher than expected, and it is the first growth the GDP has seen since the third quarter 2008 which would make some term this news as an end of the recession. Others, who believe that the recession started in 4th quarter2007; would say that we need another......

Tags: Celebrities, Celebrity, celebrity single parents, child, Education, family, Home, parenting, People, single parent, Television, Tiger Woods

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Below are the latest tips on homework and your kids from around the blogosphere:

Does Homework Help or Hurt Our Kids? « Hilltown Families

This month GreatSchools takes homework head-on by reviewing the research on its efficacy and  exploring common problems — using real kids as case studies — and how to solve them. Does homework really work? …

Dads Can Help with Homework

We didn’t like homework when we were kids, and we HATED homework when we were in college, so why would we expect our kids to like them? Let’s not delude ourselves – we could not get our children to like homework. …

Homework Help for Kids Squidoo – Linda Randall « Idea Girl …

Tagged: Alphabets, animals, Astrology for kids., Chemistry for kits, Discovery Kids, education, education homework kids parties recipes math english activities crafts oral presentations mind maps health science chemistry, english, …

Should You Let Your Kids Hand in Homework That Is Wrong? - The …

A father wrote to ask just how much homework help a parent should provide. Should you let your kids hand in incorrect homework?

• Movie Reviews of 4 Nicholas Sparks Adaptations: A Walk to Remember, Nights in Rodanthe, Message in a Bottle and The Notebook SPOILERS! I really like the 4 movies I mentioned above. They feature talented and beautiful stars, they are beautifully directed and they have been adapted from the works of the same author: Nicholas Sparks. I have never read him, and I am not exactly tempted to.  Although I am a......
• The 7-Day Turnaround, Day 6: Give the Gift of Education This is the sixth article in Frugal Dad’s week-long series, The 7-Day Turnaround: One Week to Change Your Family's Financial Destiny. Each day brings a new step to implement and help you get control of your finances. One of the most valuable gifts we can give our children is the......
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Tags: Case study, College, Discovery Kids, Education, Homework, Kids and Teens, Research, School Time

There was a time when I would ask my son everyday, “do you have any homework?”.  His reply would almost always seem to be no.  Even with the progress reports coming in with notations of him not doing his homework, I was worried.   Now, I didn’t want my son to think that I didn’t trust him.  So I got smart.  I asked all of his teachers to e-mail me when and if he had any homework.  Instead of me asking if he had any homework, I offered to help him if he had any questions.  This way I could still have his trust and his confidence that I was really there to help.  Kids need to be reassured all the time, even more than some adults.  A few moments of reassurance everyday will affect them in ways you would not understand.  Confidence is crucial in a child’s developement into adulthood.  Let them know that you have their best interest at heart.  Not in those words of course, they will think you’ve been reading a book.  In the words that your child can understand, coming from you.  If you show them respect, they will show you MORE!  Your child is not just a child.  They are our friends, in most cases, our best friends.  So treated them as such and they will respond like a best friend would.  Learn from your children, and do your job.  Homework is OUR job!!!

• Manufacturing Jobs Coming Back To The US I read a lot of financial news and newsletters on a regular basis. One of the paid newsletters I subscribe to is Capital & Crises by Chris Mayer which discusses safe, non-speculative stock market investments. Today I got an email quoting Mr. Mayer which was pretty interesting. It was about......
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• Scaling UI controls appropriately on the mobile Web Friday, June 18th, 2010 Scaling UI controls appropriately on the mobile Web Category: JavaScript, Mobile, Usability Using the mobile Web with modern devices that give you the “full Web” and allow you to zoom in and out on the page (if zooming hasn’t been turned off of course). Sam......
• Character Development – A Journey of Discovery By Christine Clemetson, guest blogger When creating characters, one technique for some authors is to do extensive character development before the actual writing of the story. Before beginning the story, the author knows why the characters act a certain way and how they would react in many different scenarios.......

Tags: child, College, Education, Homework, homework tips, Kids and Teens

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It is important to me to have a healthy self sustaining son; therefore, I feel it is important to teach him about money management now.  I started teaching him about finances by explaining to him about the importance of saving money.  He has a saving account that he is very proud of.

Even though I taught him about the importance of savings I knew there was so much more that he and I could learn about finances.  I would have to admit that for both our sakes I will have to conquer my compulsive spending hablits first in order to make us both financially free.  Therefore, I am trying to learn the information my finacee’ knows about stocks, mutual funds, bonds, and money market accounts.  She has a vast amount of information she has given me.  In addition, she recently, introduced me to some sources where my son and I can learn more.  Those source are Black Enterprise, Money Magazine, and the local newspaper’s business section.

Once, she challenged me to pick a stock from the paper and watch it performance to determine if it was a good investment.  She pointed out that a good investment would be a commodity, something a person needs no matter what the economy is doing.

I plan to do this activity with my son this summer.

Other tips I learned from Black Enterprise Magazine were:

• teach your child the basic terms of investing
• stick with companies that the child is familiar with like McDonald’s , Nike, etc.
• try programs that allow the individual to purchase directly from the company like (DRIP) programs
• encourage your child to do experiments like the one above and to read up on investing his or her self
• find and send your child to investment camps

Related articles  on money management

• Money Market Mutual Funds As an Alternative to Savings (kenyantykoon.wordpress.com)
• Where should I invest? (shabbir.in)
• 5 Reasons To Dump Your Strict Budget (frugaldad.com)
• Kick your budget into shape (money.cnn.com)
• How To Invest A 401(K) In Cash (savingcashtips.com)
• 10 Financial Resolutions For The New Year (businesspundit.com)

• It Is Possible To Make Money Online Without Investing! Find Out The Ways Here! If you just look around on the internet for ways and means of earning money online, you will observe how most internet money making opportunities will require some investments. However, you have to take a note that there are two common ways to make money online. The first way involves......
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• Schoenhut Childs 6 String Guitar User Reviews Send this to a friend Schoenhut Childs 6 String Guitar Manufacturer: Schoenhut Piano Co. Inc. Customer Rating: List Price: $39.99 Sale Price: $27.54 Availibility: Usually ships in 24 hours Buy Now Product Description This Schoenhut 30-inch Acoustic Guitar is a unique introduction to playing for the aspiring......
• Autism Diaries – part three On Mother's Day I feel a need to reflect. There are things I've learned as a direct result of my walk with my son's Autism. There are things that I think have value and ones I would not trade even if it meant I could suddenly wake up to a......

Tags: Business, child, children, family, Investing, Investment, Money, money management, money management for kids, Money market, Mutual fund, Nike, Savings account, single father, single parent

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The latest news about single parenting tips from around the blogosphere:
Dating with Children – 4 Tips To Guide Single Parents

Keeping these two things in mind will make a huge difference in your dating experiences as a single parent. So what are some other tips for dating with children? * Keep your children safe psychologically and physically – by keeping your …

How Singles Can be Stay-at-Home Parents: Tips for Unmarried Moms …

Being a stay-at-home parent can be tough financially for many but it’s even more challenging for single parents. However, it is possible for single parents to be home.

How to Make Single Parenting a Little Easier

Single parents are parents that care for their children without assistance from others in the home, though legal definitions may vary according to local laws of.

Helpful Hints For New Moms - Tips For New Mother - Advice For New …

… Tips for packing the bag for delivery, tips for parents, tips for reading to your child, tips for returning to work after maternity leave, tips for single moms, tips for skin and hair care for new moms, tips for work at home moms …

Tips for Step-parents : blended family soap opera

In January, Blended Family Soap Opera will officially change our name to Today’s Modern Family because some of our families are blended, step, single parent or same sex parent households, and we all can be classified as today’s modern …

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• Wifey Wednesday: Work At Home Wife It's Wifey Wednesday over at To Love Honor and Vacuum. I was excited to participate in this weeks discussion since I follow this blog regularly. All over the internet and TV we hear about Stay at home moms. These wonderful women work hard to keep their family together by......
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• How to Learn from Your Competitors to Build a Better Corporate Blog Sometimes it can be pretty tough to get inspiration for a new corporate blog. You may understand that you need one, but you’re not quite sure where to start. There’s an easy way that you can put together a plan for your own blog and it will only take a......

Tags: child, family, Home, Law, Modern Family, Mother, Parent, Parental leave, single parent, Stepfamily

My son and I

As a parent it is easy to get overwhelmed by life and all its challenges; however, even with all its challenges I often find myself reflecting on my role as a parent.  As a single father, it is difficult and almost impossible not to allow life to bring you down.  Therefore, I find joy in remembering the joy my son brought me the first time I laid my eyes on him.  You see, he was born pre-mature and had a lot of challenges his first year in the world, but if he could find the strength to make it, through the grace of God, then I can too.

My handsome son is not only a fighter, but he is smart, bright and loves a challenge.  He loves his war video games and pizza like any kid, but he brings wisdom and an understanding that is beyond his years.  He still shocks me with the things he understands.  He is a very forgiving son, and that is great, but I do my best to do my best for him.  So my challenge to you is that you remember the joy that your child brings to you when the day is not going as planned or that car cut you off, because there is always one person who is  counting on you or will always be in your corner and that is your child.

Related articles on parenting

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• A Fairie Tale This was written for a long-lost daughter who picked up the phone one day and made me the happiest father in the world. My happiness was marred when I found out that this beautiful daughter was a slave to cocaine. <><><><> Once upon a time in a far off land......
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• The Secret to Falling In Love With Your Home All Over Again Home ownership has long been described as the American Dream. Some in the media have questioned that statement recently, and for good reason. For many, their dream has turned into a nightmare with underwater mortgage balances, mortgage rates adjusting, and ever-increasing property taxes. Still, most of us take great pride......

Tags: child, family, parenting, single father, single parent