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Updated: Tuesday, November 25, 2014

Dont Assume You Cant Get A Mortgage Loan

According to the latest J.D. Power 2014 U.S. Primary Mortgage Origination Satisfaction Study, first-time homebuyers report challenges with understanding the mortgage process and the options that are available to them. It also suggests that lenders may be doing a poor job of educating and helping borrowers navigate the loan process.

Among survey respondents purchasing a home, 58 percent were first-time home buyers, yet only 29 percent of homebuyers in the last three months were first-timers, according to the National Association of REALTORS. The percentage of first-time homebuyers has been less that 30 percent for 17 of the past 18 months. The reason the number is significant is that its well below the long-term average of 40 percent.

Nearly half 48 percent of first-timers headed to a brick and mortar lender to meet with a loan representative and receive personalized advice, yet even then, 43 percent reported that they did not completely understand the process. And only 41 percent of first-timers said their loan officer completely explained the types of loans, terms, special programs, fees and options to reduce their down payment.

First-timers want more transparency in the process, but transparency works both ways. Lack of experience and uncertainty about the process may keep first-timers from asking the right questions that could result in the right loan. Buyers may also be >

For all these reasons, you should assume that your chances of getting a loan are better than you think, but only if youre willing to do two things -- ask questions and share information.

Here are some suggestions to help you:

1. Look for a lender who is willing to take time with you. Be upfront that youre a first-time buyer and that you want to understand the process better. If you dont know a good lender, ask for referrals from people you know who have recently purchased a home.

2. Be willing to provide basic information your lender needs -- income, debts and obligations such as child support or student loan.

3. Share your plans and dreams. If you want to flip the home in two years, say so. If you want to live in it for 10 years, say so. It will make a difference in the type of loan your lender recommends.

4. Come clean about any problems you think you may have getting a loan. If you werent so great at paying bills while you were in school, you may have hurt your credit rating. Tell the lender that you may have possible derrogatories and what youve done to repair the damage.

5. Be flexible about your goals and dont try to get a loan thats beyond your means. Youll build equity and wealth much more quickly if you buy a home you can comfortably afford.


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White Elephant Gifts For The Weird, Wonderful, Wacky And Waiting To Get Noticed

The holidays are just about here, and you know what that means youre about to find yourself at CVS trying to find a decent gift for your office partys Whte Elephant exchange. Before you head for the "As seen on TV" section, take a minute to check out this list of gifts that might make you the hit - or the heel - of your party. Either way, youll have a good time choosing. And no matter what you end up with, its bound to be received better than the WaxVac.

Oh you know the person getting this Nicolas Cage Pillow Cover is gonna be thrilled. Thats if you can part with it.

Go for something that will get a laugh and then quite possibly incite a riot while everyone tries to get their hands on this bacon soup its bacon in name, appearance and smell only. Dont try to nibble. 6 at Popsugar.

P.S. for you high-rollin bacon lovers: this bacon scarf is so bacony. So scarfy. So fashionable? Its too pricey for a white elephant gift, but still. A bacon scarf? Totally.

These Guinea pig sleeping bag covers are cute enough. But a REALLY good gifter would include a live guinea pig. 17.27 from Etsy.

The Toastmaster Personal Coffee Mug and Warmer is not super fun, or cool, or wackadoo. But it is super useful. Dont expect a grandiose thank you from the person who ends up with this, but do expect to see it out on his desk underneath a coffee cup every single day. 18.95 at Amazon.

Cute, kitschy, and cheap, this set of Six Dog Butt Magnets yes, dog butt magnets is only 11 on Amazon. AND IT COMES WITH A FIRE HYRANT. Yes.

We personally know at least a dozen grown men who are going to fight over these Hangin with the Homies Air Fresheners at their office party. Grab a four-pack for 20 for maximum effect.

Guys like beer. Shocking, right? For those that fashion themselves home brewersand for gift exchanges that veer a bit beyond a 20 limitthis Mini Monster Brewing Kit might be the one gift they that gets them excited. 39.50 from gifts.com.

For the science buff or the parent of a science buff, this gift allows you to give them a piece of your mind, we mean a piece of the moon. An authentic moon rock is 39.99 at gifts.com.


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Baby Its Cold Outside: 10 Ways To Stay Warmer at Home Without Killing Your Heating Bill

Face it. Its frigid. You dont have to live in a Snuggie until the sun comes out again in spring. But then again this one is pretty cute. If youre looking for ways to keep that heating bill down without losing a toe, weve got a few tips.

1. Slippers. You know those chunky slippers with the non-slip bottom and the fluffy stuff inside? Get some. It doesnt matter how layered up the rest of you is if heat is escaping through this little piggy.

2. A good blanket. If you can afford it, go for down. If youre allergic, go for faux down. And check out Overstocks Blanket Buying Guide for more info.

3. Dress in layers. "Bundle up," said The Old Farmers Almanac. "To avoid getting overheated inside, wear layers." Choose a "wicking polyester or silk undershirt next to your skin versus cotton."

4. Flip your fan. In the summer, the fan circulates the air, which can make you feel cooler. Flipping the switch "helps push warm air thats risen to the ceiling back down to the floor where you can feel it. The less thats wasted, the less demand there is on heating systems and the more you save," said Distractify.

5. Stay hydrated. Drinking water can actually help you stay warmer. Who knew? "Water is actually amazing for retaining body heat," said The Week. "Simply put, the more you have in your system, the easier it is to keep warm. Stay hydrated - especially before you dash out into the frozen slush every morning,"

6. Light a fire. You can lower your heater by a few degrees by gathering in front of a warm fireplace. Plus, itll give you a chance to snuggle.

7. Go for the combo of extra layers and hot drinks. "When you feel a chill, reach for a sweater instead of thermostat," said Distractify. "With the extra layers, your body will heat up much faster than the furnace can heat your house. Then, "drink lots of tea, coffee, hot chocolate and other warm liquids including soup This will raise your body temperature in a jiffy."

8. Harness the sun. "During the day, open the blinds and curtains on the south-facing windows - and let the Sun warm you. At night, close the blinds and curtains to better insulate your home," said The Old Farmers Almanac.

9. Seal it up. "Make sure your home is air sealed," said The Simple Dollar. "Air leaks and drafts allow warm air to quickly escape your house, resulting in tremendous heating and cooling bills. The solution to this problem is to check your home for air leaks and properly air seal any leaks you discover. You can get more info from this useful guide from the Department of Energy."

10. Shut em up. If you have guest rooms and other spaces you dont use, close the vents. This will force more air into the rooms you are using and make the heating system more efficient.


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Will Seller Make The Necessary Home Repairs?

Question: My wife and I have placed an offer on a property that is currently owned by a >

We now have a signed contract, and had our own home inspection conducted on the property. Our home inspector has determined that the cause of the leak was due to improper drainage at the rear of the house, at the base of the chimney. This has caused the chimney to settle improperly, with the base leaning slightly away from the home, while the upper portion has rather dramatically tilted towards the roof. Our inspector recommended we have an engineer determine if the chimney is structurally sound, and what steps need to be made to repair/replace the chimney.

Our question is two-fold. First, is the >

Answer: Working with a >

Because the company has not lived in the house, and has no real knowledge of its condition, quite often those houses will be sold in their "as is" condition. This means that you buy the house in its present condition and the >

However, from the facts that you have described, it really makes no difference if the seller is a ">

You had the home inspected and a couple of major problems were discovered. Does your contract contain a home inspection contingency? The standard home inspection contingency that I usually see gives purchasers two options. If they are dissatisfied for any reason with the inspectors report and timely advise the seller of their concerns, they can cancel the contract and get their earnest money deposit returned.

Alternatively, they can present a list of defects to the seller, who has three days to advise the purchasers that 1 all of the work will be done, 2 only some of the listed items will be corrected, or 3 that none of the work will be corrected. Unless the seller agrees to do all of the work, the purchaser than has an additional three days in which to accept the sellers proposal or cancel the contract.

You must read your contract very carefully. Most inspection contingencies have time limits which must be strictly followed. If the purchaser is to notify the seller within three business days, and misses that deadline, this contingency is considered to have been waived and the purchasers remain bound by the terms of the contract.

In your situation, if your sales contract only requires the seller to convey title to you "as is", then the seller will most likely not agree to correct the condition of the fireplace. In that case, and assuming that you do have an inspection contingency, unless you are prepared to spend your own money fixing the situation, one of your options is to cancel the contract.

You do have other options, however. If you can get a licensed contractor -- or better yet a city housing inspector -- to give you a statement that the fireplace condition is a housing code violation, that will give you a lot of leverage. In some jurisdictions, the existence of such violations is grounds for cancelling your sales contract. You should discuss this with an attorney licensed to practice in the jurisdiction where your house is located.

There is one other option that may be available. The seller gave you an earlier inspection report that represented all the leaks have been corrected. While the >

Heres a suggestion should the seller be willing to make the necessary repairs. Get a couple of bids from independent contractors and tell the seller that you would prefer a cash credit at settlement instead of having the seller do the work. All too often, the seller may not hire a licensed contractor, and you may have problems in the future.


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Benjamin Franklin Inspires Buyers to Succeed

Everyone is in a hurry these days and real estate buyers are no exception. In their haste to get the deal done, they can undermine the success of their significant purchase and their long-term goals.

Benjamin Franklins observation that "Haste makes waste" serves as an excellent summary for the tendency of many buyers to act too quickly and, therefore, not gain all the benefits available to them.

Haste to read listings and view properties can mean many buyers leap into the buying process before they are sure of what they want and need, and before they are aware of all their financial and real estate options;

Haste to squeeze a real estate purchase into already jam-packed schedules and smartphone-driven communication overload can add pressure that results in hastily-made, misguided and hard-to-live with decisions;

Haste to act in high-pressure and multiple-offer situations may lead buyers to jump at a property without a clear picture of what they are buying and what compromises they are making.

Slowing down the buying process once it gets started can be a challenge since real estate is all about acting on urgency. Once you view an acceptable property the question becomes, "Are you ready to make an offer or will you risk losing out?"

The key to success lies in developing "smarts" before you jump into the sales funnel and face the pressure of making an offer. Start by taking time to learn how to act in your own best interest beforeyou dig through listings, view properties, and make a choice then youll benefit on many levels.

Rush into the home buying processwhether you are intent on a condominium, a vacation property, or a detached home - and your lack of preparation can make you vulnerable to THREE COMMON BUYER MISTAKES that arise from acting in haste and regretting in hindsight:

1. Again Franklin hits the 21st-Century point on the head with his statement: "By failing to prepare, you are preparing to fail."

Work with your chosen real estate professional to familiarize yourself - and everybody who is part of your buying team - with the entire buying process, from start to finish, before you plunge in:

What are your "essentials" when analyzing your needs and wants?

How will the real estate professional match these parameters with potential neighborhoods, building >

What is involved in being pre-approved for financing and what are the benefits?

How do you view a prospective property to uncover its full value and potential, and to avoid being distracted by staging or by a property that shows poorly?

What is "an offer" and what does it legally commit you to and protect you from?

What strategies can compensate for typical "unexpected problems" like multiple offers, bad home inspection reports, last-minute financing issues etc.?

What happens between the day your offer to purchase has been accepted until the day you move into your new home?

What recourse will you have if problems pop up after youve settled into your house or condominium unit?

Once you understand what will happen, what rights you have, and how your real estate professional can head off and resolve problems that arise, youre ready. This knowledge will take some of the pressure off and provide self-preservation perspectives for the many decisions ahead.

2. "We are all born ignorant, but one must work hard to remain stupid," says Franklin and explains why knowing who is working in your best interest is essential to success. How the real estate industry works for buyers can be confusing.

Sellers have a listing salesperson and listing brokerage committed to placing their interestsfinancial, legal, and otherwisefirst, ahead of everything including real estate commission.

Buyers have to ask questions to find out which, if any, real estate professionals are legally bound to place the buyers interests first. The buyer agent >

not happen automatically for buyers.

Be smart. Clarify, in writing, who will negotiate for you at every step along the buying process before you start.

3. "He that can have patience can have what he will" said Franklin, long before smartphones and apps were even dreamt of, but he hit the mark when it comes to getting the right accurate information before you act.

Click on one of the growing number of real estate apps and you instantly have data at your fingertips. With information, faster is not necessarily better:

Often apps and online sources condense or generalize when a buyer really needs specific details >

Data can be incomplete or inaccurate, but the average buyer will may not be aware of these deficiencies until it is too late.

Significant issues like property condition, problems regarding abutting properties, liens or work orders, and unregistered changes are just a few details which may be lacking in digital offerings.

Take the time to listen to the local, experienced real estate professionals who work for you since they can provide >
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Religion In A Homeowners Association

America is engaged in a war of cultures. Almost daily there seems to be some crisis somewhere >

Homeowner associations have a unique opportunity to reverse or moderate these attacks on Americas traditional values and liberties. As private organizations, they have the right and flexibility to decide how issues of faith expression are dealt with and avoid the nonsense of political correctness.

While HOAs cant enact rules and regulations that contradict the Bill of Rights, they do have some latitude on how these rights are played out. Free speech can be restricted on private property. One example that comes to mind is limiting personal signs in the common area. In other words, the fact that America enjoys free speech doesnt entitle a citizen to crash a private party to express it. So it is with signs. HOAs can control or restrict signs in the common area if thats what the members want.

When it comes to >

>. HOA clubhouses are usually made available for private use by members and residents. If a resident wants to host a poker party, a quilting club or High Mass, they are all legal activities in every state of the country and, as such, the HOA should not have a policy restricting the activity.

The HOA is not obligated to allow private use of the clubhouse but since most clubhouses are ra>

Restricting Outside Groups. The HOA may have a restriction that limits use to residents and their guests and preclude outside groups from using the facility if no resident is involved. If outside groups are not allowed, the ban needs to extend to all of them.

Limiting Access to Schedule. There may be limitations placed on requests to monopolize the clubhouse schedule for a set time each week.

Limited to Legal Purpose. Use activity can be limited to those that are lawful and do not disturb the community noise, smell, lighting, etc..

Charging a Fee. The HOA can invoke a reasonable fee for private use since use creates wear and tear on the facilities.

Christmas Ornaments. Another controversial topic that comes up is whether the HOA should allow Christmas ornaments to be displayed. There seems to be an impression that all ornaments should be forbidden. The real answer is "yes and no": Its really up to the members to decide and that decision only should impact the general common area. If decorating the common area with Christmas decorations is something most of the residents feel appropriate, so be it. HOAs are private property controlled by democratic vote. Not everyone will get their way.

Demonstrations of >

For more innovative homeowner association management strategies, subscribe to www.Regenesis.net.


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Ten Essential Steps to Buying a Home

Youre ready to take the leap and buy a home. If this is your first time, you may want to know what to do to make the process go more smoothly. Here are ten steps youll be going through to buy your next home.

Check Your Credit Reports and Scores - You get one free look at your credit reports annually. Go to AnnualCreditReport.com and see how easy it is to get credit reports from the three major credit bureaus, Experian, Transunion, and Equifax. Youll need all three because they each report differently, so you may find an error at one bureau but not the other two. You dont know which credit bureau your lender will use so you want all three bureau reports to be accurate. If you see a mistake, contact the bureau and alert them to the error. Send a copy of your proof, such as the paid balance.

Get prequalified - Your lender will "run your credit" to look at your credit reports and evaluate you for risk. Your income, credit scores, payment history, revolving debts, obligations such as child support as well as the type of loan you choose are all factors in determining your interest rate and other terms of the loan. The lender will also consider how much home you can buy based on your down payment; smaller down payments mean higher monthly payments. Last, the interest rate and terms 30-year, fixed or adjustable rate will determine what you can afford in monthly payments.

Make your wish list - Decide where you want to live and how many bedrooms and baths youll need. Consider life>

Hire a real estate professional - Your real estate professional should be expert in the area where you want to live and familiar with the type of home you want to buy. Your agent has house-by-house experience in your neighborhood and can offer the best advice on homes in your range. Ask for referrals from people you know who have recently bought or sold a home or choose an agent in the neighborhood who is less than five minutes from the neighborhood you want.

Select your home - No home is perfect, so expect to find a few things that are disappointing. Try to see past minor flaws such as bad paint colors or old carpet. Think long-term. Is this the house you would want if it were painted and recarpeted? Which home best suits the activities and needs of your household now and in the years ahead? Dont buy more than you need or can comfortably afford.

Make an offer - Youre either in a buyers market or a sellers market, so your offer depends on the current market conditions. If a home has been on the market a long time, you can ask the seller for a price reduction, repair concessions, and help with closing costs, but if its new on the market, the seller is unlikely to accept an offer lower than 95 to 97 percent of the asking price. Ask your real estate professional for advice and a CMA so you can determine a fair offer price. Be sure to make your offer contingent on a satisfactory inspection.

Get an inspection - A home inspection is a professional third-party opinion of the homes condition. The inspector works for you, so it is his job to point out problems big and small. He will check age of all systems, note large and small repairs that are needed, code violations, and so on. Some inspections are not included, so you will have to hire a separate experts to look for pests, or inspect the septic tank. You need to know what problems and expenses youll be facing as the next owner.

Renegotiate Terms - If the inspection reveals a problem that is more severe or is not noted on the sellers disclosure of the property, you should renegotiate terms. Either ask the seller to fix the problem or ask for a price reduction if you prefer to fix it yourself.

Get an appraisal - The bank appraisal determines market value. If the home doesnt appraise for the purchase price, the bank will refuse to make the loan unless you increase the size of your down payment or renegotiate a lower price with the seller. If the home meets the appraisal comparables, the lender will move toward closing. Pay close attention to the comparables that the appraisal uses -- they may skew the value in a different direction than you might be expecting.

Go to closing - Once final negotiations are complete, and youve done a final walk-through of the property to make sure all repairs have been made, the parties to the transaction meet at the escrow office. This office could be a title company, real estate attorney, or whatever is customary in your area. All paperwork is signed by both parties. The lender pays the seller, minus any liens against the home such as the sellers mortgage. Once all the disbursements have been made, you get the keys to your new home, according to your agreement.

Congratulations Youre ready to move into your new home.


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Okay Procrastinators, You Have One More Chance To Refinance

Stop me if youve heard this before. Is it time to refinance your mortgage? Okay, just kidding. Dont stop me. Keep reading. Mortgage rates have been so low for so long that borrowers who could have refinanced likely already have. Still others couldnt refinance because there wasnt enough equity in their homes. Or, some were just waiting for rates to move down just a little. bit. more.

For those perennial procrastinators, it just might be that time.

According to Freddie Macs weekly mortgage survey, the 30 year fixed rate dipped below 4.00 for the first time since the summer of 2013. Not by much, as the average fell to 3.92 as of the October 23 report and has since popped up to 4.01. Understand, thats a national average, and you can likely find slightly better rates with a few phone calls, but thats still very low. And for those who are waiting to squeeze out another .25, its best to be prudent and lock instead of playing the waiting game. Again.

Who should refinance right now? If you have a loan thats about five years old, your 30 year rate is somewhere in the low 5.00 range. If your loan was funded in 2008, a scant six years ago, rates then were mostly above 6.00. In either case, exploring a refinance is a good idea. But dont just look at the rate, theres more to it.

Payback Time

The interest rate is just one component when considering a refinance. If refinancing because you can lower your monthly payment, think of the closing costs involved before you get too far into the process. Lets say you got a 30 year fixed rate mortgage back in June of 2009 at 5.25 on a loan of 250,000. The principal and interest payment is 1,380. After about five and half years, the loan has amortized down to 228,113 after having paid a tad over 70,000 in tax deductible interest.

Now say closing costs amount to 5,000 and you rolled those costs into your loan. The new loan might then be 233,113 and with a 4.00 rate, the principal and interest payment is 1,112 for a monthly savings of 230. Not bad. By dividing 5,000 in closing costs with the 244 reduction, in just over 20 months, the lower payments add up to more than the closing costs associated with the loan.

Your loan officer can offer various rate and fee combinations to offset some or all of the closing costs associated when refinancing, but the "payback time" analysis works the same.

So, this is a good deal, right? Lowering a monthly payment by 230?

Losing Interest?

This may not be your best move. Yes, increasing cash flow is a positive but youre forgetting something. To the tune of 70,000. Refinancing from a 30 year loan to another 30 year after having paid into a mortgage for five years? Youve just extended the loan you already had for another 30. In effect, you now have a 35 year loan.

Thats a tradeoff and something loan officers may not always express. Lowering your monthly payment always sounds good but reamortizing the loan over 30 years might not be your best financial decision. However, trade the 30 year note with a 25 year loan. The rate is typically the same as a 30 year term but youre not extending the loan. With a 4.00 rate, a 25 year note on 233,113 the principal and interest payment is 1,230. That still saves 112 per month and youre still saving more interest over the long haul.

Shorter loan terms have higher monthly payments but the amount of interest paid is lower and equity is gained at a quicker pace. That means it can make sense to refinance today for the sole reason to shorten the loan term and spend less on interest.

Lower rates are a key factor when refinancing but dont get too caught up in the weeds. Theres more to it than lowering the monthly payment. Carefully consider the term of the loan just as much as the rate. A refinance isnt something you should be talked into. The math will be your impartial guide.

David Reed Austin, TX is the author of Mortgages 101, Mortgage Confidential, Your Successful Career as a Mortgage Broker, The Real Estate Investors Guide to Financing, Your Guide to VA Loans and Decoding the New Mortgage Market. As a Senior Loan Officer and Mortgage Executive he closed more than 2,000 mortgage loans over the course of more than 20 years in commercial and residential mortgage lending.

In November 2012, he joined www.Tacfi.com, a consumer site and www.TactileFinancePro.com for loan officers where he serves as Creative Wizard, Content Editor and all around nice guy.

He has appeared on CNN, CNBC, Fox Business, Fox and Friends and the Today In New York show. His advice has appeared in the New York Times, Parade Magazine, Washington Post and Kiplingers as well as in newspapers and magazines throughout the country.


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Your Black Friday Cheat Sheet

Its almost here. Black Friday. We mean Thanksgiving. Oh, who are we kidding? We love Black Friday almost as much as we love Turkey Day. In fact, the two have become nearly interchangeable for us and most of the country, for that matter. We spend too much money on one day for both of them. They both take oodles of preparation. And they both tend to leave us with a stomachache.

Same for you? We can help with the preparation part. We spend a considerable amount of time scouring Black Friday sites and sales, and our legwork is your gain.

Several sites are dedicated to Black Friday, posting leaked ads, new sales, and updating regularly. Out favorite is BFAds. Truthfully, all of the most-visited sites for Black Friday are typically going to have the same info, so really it comes down to personal preference in terms of site organization. BFAds doesnt just tell you there is an ad and link to it. They also break down the best deals and provide individual links to each of them. Very convenient for those of us who dont have the time to read every detail and want a quick overview that shows us where to go and how to buy.

Without further ado, here is your Black Friday Cheat Sheet.

Breaking News and Early Shopping Opportunities

Walmart

Walmart has thrown down the gauntlet with an announcement yesterday that starting Friday, Nov. 21 at 8am, they will be "lowering the prices on popular toys, electronics and more to match or beat select Black Friday offers from top national competitors one week early. This event is said to give "customers an early taste of Walmarts Black Friday prices by moving up items typically found on Black Friday."

Walmart will be unveiling the items included in this early Black Friday price match on its website starting on Thursday, Nov. 20. You can read the announcement and get additional details here.

Walmart has also announced they will match Amazons online prices this year. This is huge news for shoppers as it extends Walmarts price-matching strategy from last year to online retailers.

Finally, you can click here and choose "View Your Map" to find your local Walmart location, which will then display a pop-up map of where to find Black Friday deals in store.

Toys R Us

It pays to be a "Rewards R Us Loyalty Member" because the store has announced special rewards for signing up. "Exclusive, early access to Black Friday deals on more than 100 items beginning Sunday, November 23 can be yours with membership. You can sign up here.

Target

If you havent already, download the Target app on your phone to access their newly >

Target has also said that opening the app between 6pm on Thanksgiving and 8am on Black Friday will reveal a special Easter egg we already set an alarm on our phone. For real.

Our Favorite Deals for Home

Speaking of Target, the retailer is our go-to everyday well, twice a week anyway, and it was the only place we Black Friday shopped in person last year. It seems like one of the big winners in terms of deals this year, and BFAds agrees. "With so many good deals to choose from, it was hard to narrow down the whole ad," they said.

Here are a few of their gotta-have deals:

Element 40" 1080p LED HDTV for 119.00

GoPro HERO3 w/ 50 Gift Card for 249.99

Westinghouse 48" 1080p 60Hz HDTV DWM48F1G1 for 235.00

Dyson DC50 Allergy Vacuum for 279.99

Target will also be offering 10 percent off Target Gift Cards from 6am to noon on Black Friday.

An appliance package might not be what youre looking for on Black Friday, but this Frigidaire Stainless four-piece appliance package including Side-by-Side Refrigerator, Smooth-Top Electric Range, Dishwasher and Over-the-Range Microwave Bundle might change your mind. Its available on Black Friday for just 1849.99 from HH Gregg.

We also like this Delta Sectional for 50 percent off, priced at only 499 on Black Friday at HH Gregg.

Beats by Dre headphones were one of the biggest holiday sellers last year and with prices like these are su>Note: the sale price is 129.99 with a mail-in rebate of 60, down from the regular price of 169.99. If you dont want to hassle with the rebate, you can get Beats Solo headphones for 79.99 as part of Best Buys Thanksgiving Day doorbusters.

Walmart always rolls out the incredible deals for Black Friday, and this year is no different. He are a few of the deals that piqued our interest:

32" 720p 60Hz LED HDTV for 98

50" 1080p 60Hz LED HDTV for 218

Vizio 65" 1080p 120Hz Smart LED HDTV for 648.00

Apple iPad Air 16GB Wi-Fi Tablet 100 Walmart Gift Card for 397.00 Note: Targets iPad Air 2 offer is 499 with a 140 gift card.

Flat Screens are always a big draw on Black Friday. One of the most enticing doorbuster deals weve seen this year is this Panasonic 50" 1080p 60Hz LED Backlit HDTV TC-50A400U for 199.99 at Best Buy. Here are a few of best Buys other exciting deals:

100 off all iPad Air 2 models

Dell Inspiron 15.6" Touch-Screen Laptop w/ Intel Core i3, 4GB Memory, 500GB Hard Drive for 299.99

iPad Mini 3 16GB for 324.99

And a few more thingsbecause we cant resist a few good deals on toys and clothing

Some of the hottest toys this year, Skylanders Figures and Traps and Disney Infinity 2.0 Figures will be BOGO 70 percent off and Skylanders Trap Team Starter Packs 37.50 at Toys R Us Off

Target will have Skylanders and Disney Infinity Figures for 10.

Also at Target, PlayStation 4 Console w/ Grand Theft Auto V amp; The Last of Us will be 399.

Best Buy has an Xbox One Bundle - 2 controllers, Assassins Creed: Unity, Assassins Creed: Black Flag, amp; Kinect for 429.99.

Dicks will have 15 off Nike, Adidas or Reebok Athletic Appa>

Walmart is offering Kids Character Pajamas for 4.50

Kohls has Womens Tek Gear Jackets for 29.99. Kohls is also offer 15 in Kohls cash for every 50 spent.

Old Navy is 50 percent off the entire store on Thanksgiving and Black Friday.

Happy Shopping


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Updated: Tuesday, November 25, 2014

Ten Essential Steps to Buying ...
Youre ready to take the leap and buy a home. If this is your first time, you may want to kno...

Religion In A Homeowners Assoc...
America is engaged in a war of cultures. Almost daily there seems to be some crisis somewher...

Copyright ©2014Realty Times®. All Rights Reserved

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Edgewater 481 NE 29TH Street, Miami About the Residence: 7 Floors and 30 units....

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