Category: Real Estate

Cash for Houses Dallas- Intro

You’ve decided to sell your Dallas real estate and want to get cash for homes in Dallas. You know that if you put it on the market for too long, you’re going to lose money. The problem is, selling a home in Dallas can be hard on your wallet. You don’t want to lose money on your property, so you want to make sure that you can sell your property for cash. Checkout Cash for Houses Dallas for more info.

You have to make a plan. You have to know where you want to put your house for sale and when you want to sell it. You need to get an idea of what type of home you want to sell and how much it’s worth. You also have to work with the lender to sell the house.

When you’re looking to buy a home in Dallas, you need to know that there are many places to look for houses to purchase. You can look online for a list of Dallas real estate agents that can help you find a property. Another great place to look is in the paper. Find out who the top realtors in the Dallas area are and contact them to see if they can recommend any properties that might be right for you. They will know where to look because they know where the houses in Dallas are being sold.

You need to have a list of three or four places. Take all of the information that you gather and use it to contact each of the agents to see if they can recommend some homes to you. You can also find out what you can pay for a home. Then go back and research what the value of each house in the area is.

You might want to try getting a bank loan to finance the house. If the bank says you can pay more for a home than you have to. This might help you with getting the cash for houses deal in Dallas. You also need to get a realtor to help you find the property and help you get the price of the house down.

Real Estate Agency Business Plan

You might have seen the term “aggressive expectations” repeated a few times while reviewing company plans. Any predictions of a company’s projected profits and expenses require estimates and, as we know, the projected is still uncertain. However, in order to fulfill this concept of “positive” estimates, you must make rational expectations in all fields. Below are a few tips to insure that they are fair, and that the estimates are realistic enough. Checkout Real estate agency.

Business Dynamics The forecasts do not assume that there is still a bubble in the real estate industry and the general economy, nor that it is still in a state of bust. When you lack accurate statistics to predict how global trends will impact your company for the best or the bad, otherwise consider a middle-of-the-road strategy. While you should usually plan for the business environment in the next six months, the launch could be one year away, so you need to predict five years beyond. Be transparent on how you usually apply market results on the forecasts, then find out if many real estate companies are being influenced by the economy on help you.

Marketing and sales impact You can not presume that the marketing and sales activities would at first be functioning spectacularly. Instead of worrying about the highest potential returns from each advertisement funnel, talk about the percentages. If such figures are focused on particular percentages readers who inquire can receive an clarification of precisely how you have calculated them. For eg, if you expect 5000 web surfers to click on your pay-per-click ad in a fifth, clarify that you believe 1 per cent will go on calling, 50 per cent will make an appointment to see homes, and 25 per cent will make a home contract with you, resulting in 6 deals with those clicks. Be sure it’s fair for you to devote the time required to make those 6 deals for all the calls and appointments.

Start Where You Are If you initiate post-launch promotions at your business, no one would trust sales-based predictions come in from day one. Your promotion and selling activities will have a fair lead period to take place until transactions are concluded and in this situation profits are received. However, whether you have a track record of progress with a previous business, or if you are now having connections with consumers with the current venture, you may make the argument that you would be seeing profits from one month on.

Top Tips To Find a Reputable Real Estate Agent

We’ve all knitted too many wishes for our dream house but finding a dream home in real-world is definitely such a complicated mission. click reference Clearly, it is a big financial decision and contract and you want the best and massive housing opportunities as well. You have already started planning and initial research or legwork for your dream home and you are now looking for an agent with the right credentials. The USA provides huge lists of transactions for several talented and reputed real estate agents.

Different sources are available to find ideal real estate agents but it’s a difficult job to determine which source can provide you with the best agents to match your needs. If you’re one of the home buyers in the U.S. and you’re still struggling with finding the right real estate agent for you to read the tips below to find the best real estate agent for all your housing needs and circumstances.

Reputable real estate agent Reputable Real Estate Agent Referrals: Because of their contented clients a large number of real estate agents settled successfully in this daunting company. Your one good offer or closing will bring in different new deals and customers. If a client is pleased with his real estate experience, he can refer to his colleagues, neighbours, family, associates, co-workers etc. On the other side if you’re in a buying process your buddies are probably going to recommend you a realtor if he’s really decent. Friends, colleagues, and business associates are one way to find out about top real estate agents but don’t trust their words blindly. Whichever you suggest, your primary quest is a must. Ask what you think is important, such as how long he has been in the industry; he has an active real estate license, is a solitary-run agent or works with a team, is a full-time or part-time agent, is a member of the Multiple Listing Service (MLS) and so on. Open Houses: Open Houses are one of the best places to find reputable realtors in an transparent works atmosphere. Lots of realtors host open houses; here you can meet face to face with seasoned real estate agents. Collect business cards from all those friendly, articulate and apparently knowledgeable officers.

Seminars: Seek to attend home buying-selling seminars before beginning your home quest, or before selling or renting your home onto the market. You will meet various competent and trustworthy real estate brokers under one roof.

Advertisements: Local magazines for newspapers and housing often provide a perfect way to meet active realtors. Realtors often enjoy advertisements, which is why they also put out advertising in local newspapers and magazines. They may promote the real estate agent business or sell properties through advertisements. I consider advertising to be one of the most convenient ways to scan our neighbourhood for accommodation.

Agents are talking to agents: An experienced real estate agent may also support you by talking to other real estate agents to find out more about real estate. Every agent has some specialty, such as residential, commercial or investment property, etc. These agents are connected to other excellent agents and may send you a guide for other professionals or specialists.

We buy houses sacramento – An Intro

If you’ve got every thought of purchasing a home because you didn’t think you could afford it, you could get support. There are lots of services out there which will help you find the right house. Such services, based on how many you earn and where you would prefer to stay, will support you manage your down payment or closing costs. Here’s some detail regarding different assistance policies and services that could help you purchase your first house.Find expert advice about we buy houses sacramento read here.

The Federal Housing Authority, FHA, is providing its assistance with a FHA loan to several first time home buyers. FHA loans are loans issued by FHA-approved lenders, since the FHA provides mortgage insurance. The mortgage loans that are granted out are supported by the guarantee that the FHA can compensate the lender if the individual defaults on any of their payments. Naturally there are other criteria and guidelines like in everything. The investor covers the burden of the home premium by their monthly contributions. Buyers will continue to compensate the premium before it declines for about 5 years or until the balance of the mortgage is reduced to around 78 per cent of the valuation of the house.

First-time buyers have another choice to qualify for a loan. Unlike a deposit, an overtime payment will not have to be paid back. There are a number of various funds eligible for those who would prefer to qualify for a grant instead of a FHA loan. There are a lot of grants going out through the U.S. Department of Housing and Urban Planning (HUD), although when applying for a grant, there are other aspects you may want to remember. The grant you are earning does not offset the full expense of the home you plan to purchase. If the reason you apply for a grant is that you don’t qualify for a mortgage, you won’t be eligible to receive a grant from HUD because you’ve got to be willing to use the loan for a mortgage.

There is also the right to get a voucher for housing preference whether you are a low-income household, a blind or an elderly citizen. This special plan helps individuals falling in this group to be able to buy a good home in a secure place. To obtain this grant, you must satisfy the criteria provided by the Public Housing Authority (PHA), such that the family’s gross income must not be greater than 50 percent of the overall income of the city or region you choose to stay in. If you have a housing voucher accepted, you are required to find the appropriate accommodation to meet your needs. This ensures that you have the option of staying in a home, townhouse, condo, or apartment as long as vouchers or Section 8 are permitted, as it is often called.

Selling Your Home When Going Through Divorce

Despite the divorce rate now greater than it has ever been in the past, several real estate brokers struggle with the hard fact of separated people selling houses. If you are actually going through a divorce or breakup from your partner, you can notice that you need to sell your house rapidly. Have a look at sell fast for more info on this. As this is usually the greatest financial advantage that married partners share, it is in the best interest of all sides to sell the house and separate the proceeds that will be obtained from the home sale. You may catch yourself making tough choices through this difficult period of your life and doing stuff that will damage you in the long run. If it comes to selling your home after a divorce, to make a good business judgment is necessary to leave your emotions aside.

Popular Home Selling Situations After Divorce Should you find yourself heading through a divorce and you catch yourself thinking you need to sell my house soon, there are a variety of of situations you might go through. That requires one partner who opts to hold the house and purchase it from the other side or the house being rented, with income are split evenly by all spouses. You can also choose, in certain situations, for one parent to hold the home in understanding that it will be sold until the youngest child reaches 18. It’s important to think through your choices about whether to sell the house after your divorce.

Affording Home Payments In certain situations both parties can seek to “win” the divorce fight by being the one who can retain the home. Sadly, the partner who wants to hold the house can find himself with a huge financial strain, more than once. They may quickly understand that they actually can not bear the huge sum of debt along with the expenditures the come with possession of the house. If you’re in this role you may need to rapidly sell my home. When you are struggling to start with your mortgage payments and bill payments following your divorce, search for organizations that say, “We Buy Houses” This choice offers you the opportunity to easily sell your house without asking prospective home buyers to come along.

Choose Experienced Real Estate Professionals To Find Your Dream Property

There are many real estate professionals who offer perfect information to their customers about property and land that are available for sale or rent. Brookline properties include a number of commercial, industrial, and residential properties. You may think of hiring a team of highly qualified and seasoned professionals who will direct you to buy, sell, rent and even manage your house. They are incredibly reliable, that you can completely trust them. Such professionals maintain full time agents to offer quality services to their clients. In doing so, the consumers would be assured of productive work. To get additional info, internet.

Professionals who are members of the Multiple Services Association are active in providing reliable and full up-to-date real estate listings to their clients. Under the supervision of these qualified professionals there’s no risk of being tricked by a person making a contract. Do not judge a Brookline ma real estate company by its size, but by the personalization and customer service given to the clients by the company’s Brookline ma real estate agent. Some of the professionals have been in this industry for decades, and therefore have a detailed knowledge of the Brookline estate. If you want to purchase or sell a house they will be your first choice.

They go out of their way to get the full satisfaction of their customers about their services. Because they deal so easily with all sorts of cases, you would be able to purchase a home at a very cost effective price. Once you have made clear to them your requirements, they will consider you the property that is best for you and your needs. These professionals also consider your interests in the event you want to sell your property. Hence, they are effective in achieving the best and highest value for your land.

There are various websites that provide information about the real estate issues that are available. But all of the information can’t be accessed via the internet. But if you’re taking the help of real estate experts, you’ll certainly be successfully finding your dream home. But watch out for immovable utilities with misleading names. Always work with a credible and trustworthy agent to ensure you are not misled or deceived in any way, and to show you the best Brookline ma condos for sale. Make sure they offer affordable, viable service tailored to your needs!

Auction Cars – Why You Should Consider Buying One

I say vehicles purchased at a public auction with the word Auction cars. There are several different kinds of auctions where you can purchase vehicles, for example, government auctions, police auctions, private auctions, military surplus auctions, repossessed vehicle bank auctions and more. Get more informations about Powell Auction & Realty, LLC various brands.

A government auction is one of the best places you can get good deals on new and used vehicles. To be more specific, what we’re talking about is making good bargains on high-quality cars, confiscated in a government raid or have fallen into the federal government’s hands for one cause or another.

State Sales of state purchases of confiscated cars are separate from bank sales of repossessed vehicles. State car auctions are made up of cars that they have confiscated and want to get rid of so they won’t take up space in state parking room. If they can make some money on those cars, why not?

That is why they are going to take whatever bid they can get. It is not the case for a bank. Therefore it is possible that at government auctions you’d get a better offer than at bank auction.

Car Auctions online are held around the country where people go and put their bids. Not all, however, lives an auction site nearby. Notwithstanding, someone with a computer and an internet connection can still bid at a government auction. You also had the option to submit your sealed bid to the auction for a car.

State Surplus Auctions Another way to purchase inexpensive but high-quality auction cars will be through an auction of state surpluses. You can also participate in a government surplus auction if you are searching for fantastic car sales, which is a little different from confiscated car auctions. The reason such sales are organized by the government is due to their need to buy their own cars. When the government’s vehicles are too old for proper operation, they need to repair them when the existing ones are being sold at surplus auctions. You can also get used cars relatively cheap on the surplus car auctions.

Military Surplus Sales Another type of government auction surpluses is the sale of military vehicles. But not all military vehicles are put up for sale. They don’t sell battle vehicles but for a few dollars you can purchase jeeps and other low-end vehicles.

The Best Place for Mega Bargains It should be evident that the reason why people get so many good offers at government auctions is that the purpose of the government is not to behave like a company and maximize their income, but instead to get a few bucks for a vehicle that is no longer up to their standards and can no longer be used.

Search For Apartments For Rent Near Me

Moving may be such a hassle with picking up bags, tossing away stuff, hiring a cab, and not even mention possibly injuring the back as you attempt and push a large piece of furniture. Yet there comes a moment, practically, in everybody’s life that they just need to move on. If you’re looking for more tips, 5 Reasons Why You Should Invest In The Cleveland Real Estate Market has it for you.

For a fresh start maybe you need a change of location? Or maybe you thought it was eventually time to get out of your parent’s house. In any case, before you can start looking at rental apartments in your city, you need to take a look at your current financial condition and decide if moving out is feasible at you. Here are a few questions you might ask: Can I manage it?

When you have a steady career and salary, you will be willing to predict how much money you have left once the loan has been accounted for. Bear in mind that when it comes to charging your bills on schedule rent will be your number one concern. This will pass for less than 30 percent of your monthly earnings. Or you will strive for an profit which is three times that of your salary.

Can I pay the Required Upfront Fees?

No, you can not move in for free. Yes, it might be wise to start building up your investment plan months in advance before you agree just to transfer. While it may varies from state to state, leased apartments typically enable you to downpay the rent and security deposit for the first month just before you’re permitted to move in. This will also make a hole in your pocket, along with renting a truck and probably recruiting movers.

Do I have the correct documentation?

When you’re an apartment renter for the first time so you can continue saving your pay stubs two or three months in advance. This will help managers decide whether or not you can afford the apartment. The documents you need can change based on the complicated you are attempting to get into, but usually you will be prepared to provide evidence that you have two financial accounts (checking and saving), work records and times, relevant credentials, and a co-signer if appropriate.

How can I find rented apartments in my area?

Glad you have written! Once the financial condition has been measured and you have decided you can afford to relocate, the search for the apartment can begin. Most people tend to continue their online quest if they don’t have any idea where they want to travel. Find out the websites that have revised rental apartment lists, bearing in mind your fixed budget. If you have a fixed spot in mind, however, then schedule a day to travel out and explore the place alone. Look for signs on different buildings, then take a moment to stop and interpret the area’s environment. Using this can help you decide whether you choose to live in this specific area.

Invest – Companies With Potential You Can Put Your Money In

Direct investment is the perfect win / win scenario for businesses and individuals who choose to participate. Many creditors expect the return to be passive. They willingly forego amazing yearly compounding results for this passive return and content themselves with returns of just about 10 per cent. If you are hands on, though, what happens is that you should be able to monitor the returns and of course this involves getting them better. You may want to check out LAS Companies for more.

One way to achieve so is to identify companies able to share their profits. There are companies and locations that list the online business of these types, which will offer you a direct return of up to 75 percent. This is an interesting proposition because you don’t need much money to get started. The transaction can be either an expenditure in energy or you can submit some cash to get a profit if you wish.

Of starters, if you want to spend more money on a company, you will spend it on ads, because that is an expenditure in the true sense of the word. Simply, you will increase your expenditure until you have a good ad, and thus returns. This makes it scalable to your investment.

On the other hand, you may simply want to make an investment of time into the product of the company. This is great for the sales and spending plans by far. One approach is to easily compose posts on subjects relevant to your favorite commodity, leaving a connection at the bottom of your post. And you can enter similar forums and leave messages at the bottom of each page, with a connection. It is a simplistic description but I promise you people make money digitally and spend every day in this way.

When you need capital now, as I said, try what I did in the next hour. Now I’m making more money than in my old company, and in the post below you can read about Martin Thomas too. Before I knew what this was when I entered I was cynical for about ten seconds. I did not physically wash my grin from my lips.

Qualities Of Mortgage Broker Cape Coral

When you consider the sometimes complex method of securing a mortgage challenging to sort out, you may want to think about utilizing the help of the professional mortgage brokers. The task of the mortgage broker is basically to help pair a bank or related banking entity with a prospective homeowner. An unbiased broker will scour the whole mortgage sector to help find the most attractive mortgage offer to fit individual circumstances.

In certain jurisdictions, obtaining the correct license is a prerequisite for the mortgage broker. You may also note that a number of brokers are NAMB (National Association of Mortgage Brokers) accredited. Have a look at Mortgage Broker Cape Coral for more info on this.

A perfect way to continue in looking for a trustworthy mortgage broker is to get personal recommendations from family, mates, real estate brokers, etc. if you can have a word of mouth endorsement that is more likely to mean that you should utilize the company of the more respectable firms. You also ought to locate a broker in the mortgage industry who is not only extremely qualified and competent, but also someone that can thoroughly clarify the often complex topics that apply to taking out a mortgage. When you are in a position to create a shortlist of prospective applicants, you may want to review their official website and test the resources available to meet your needs.

Before finding the best mortgage broker to use, you may want to schedule an initial consultation with the most successful brokers so you can address the criteria in greater detail.

When you’ve been willing to select the mortgage broker to work for your behalf, they’ll undoubtedly go through some lengths to make sure you’re in a place to get the most suitable mortgage to suit your circumstances. A reputable lender will help you choose the best mortgage by a thorough review about your financial condition and talking about the actual sum you’re looking to repay. To check the full scope of the mortgage industry and to clarify the specific choices on sale. Providing advice to the bank or related banking institution during the whole process of having the loan accepted. And aid with the loan application form, and insure that the applicant receives all the necessary paperwork. For certain instances, a mortgage lender will offer an all-inclusive package to ensure sure you are approved for the correct form of home loan.

Rent Office Space – Things To Consider

What you will think first, is the amount of room you require. You can be very rational when you come to a decision about the correct size you like. It is how you’ll find yourself wasting a lot of extra money when you rent a room that’s too big for you. Visit us on Things to Consider When Renting Office Space in Austin Texas.

Considering the office venue, too, is significant. Experts are proposing that the office be situated in an place you can drive comfortably to and from. That means the region should have strong transport by rail and by road.

In order to build efficiency, you can hire an office in an region which has many similar companies. If you’re a printing business, for example, you can rent a room in an environment where many printing companies operate.

Other things you need to remember are: structural health, power backup facility and structural protection.

How to find office space You can contact and employ an accomplished commercial real estate agent in your region after you have decided the perfect size and position of the office you want. The agent will help you locate your perfect location.

You will visit the office to have a look at it as the agent suggests space for you. If you are searching the right room for you, you can get a copy of the rental property lease agreement.

You will read over the lease agreement carefully, to make sure you grasp the context of each syllable in the contract. If you do not understand the detail, you may suggest engaging an qualified lawyer to assist you with the analysis.

You will look out for additional charges that you might be forced to pay while perusing the paper. You can, for example, look for the payments needed to preserve community areas such as toilet and landscape.

It is advised that you rent out the room for no longer than three years to make it easier for you to leave the proper as your company grows. Researchers say you shop for one or two years.

This means you will determine whether or not the room is suitable for you. If you’re happy with the room you can seek contract renewal.

Mortgage Lenders Explained

More often than not the house is bought from licensed lenders on money borrowed. Therefore, it’s important to know exactly what you’re in for when you get your first mortgage. For more info click Blue Square Mortgage.

Broadly speaking, the mortgage lender provides you with the money you need for your home and expects you to pay back the same with interest within a specified period of time. In the mortgage market there are two main types of players: borrowers and brokers. You have the option to go straight to an approved lender, or you could contact a mortgage broker who will help you get the mortgage from any of the many lenders on the market. It’s a jungle out there and finding someone who can help you survive in it could be helpful. Yet note that the price that pays for the mortgage broker may be higher than charges that the approved money lenders. Be also mindful that most of these brokers are not accredited, and are therefore not bound by any regulations.

What are borrowers looking for in mortgages?

Principally, mortgage lenders are worried about your credit report. You scrutinize your debt ratio in a credit report, which is an estimate of your earnings and how much you owe, as well as over all credit ratings. Earnings proof is another main factor for determining whether or not the lender would end up approving your loan amount. Such knowledge is usually collected from you’ve submitted tax returns and pay stubs. It is important to keep your records clean and unquestionable, in order to get the mortgage without much trouble. But what if you do have a credit report that is not so perfect? Well then there are several other lenders who can still give you a loan, paying you a higher interest rate.

Why do mortgage lenders often turn down applications for mortgages?

This may be due to factors like bad credit reports, low annual income or even if they’re not happy with the house you’re planning on buying.

How much of a mortgage loan can these borrowers reasonably expect?

A sort of thumb rule says you can get a loan amount which is 4-5 times your annual income. So the more you receive, the larger the mortgage to which you are entitled.

What is the mortgage-buying process?

You can either contact the lender to get your situation reasonably measured and ask them how much they’re willing to give you, and then search for a house in that budget. You can even choose a home, and then apply for payment to the lender. Any way you go, you must first obtain a’ Principle Agreement’ which specifies the sum that the lender is willing to pay for your property. This document is usually accurate for a span of around three months. Following that you are expected to complete the’ Hypothecary Application’ and apply the same with your financial stability and creditworthiness documents required. Afterwards, a trained valuer inspects the building.

The lender may submit a’ Mortgage Bid’ or’ Advance Offer’ after the mortgage application is found to be acceptable. The document will also state the terms under which the lender will give you the mortgage.

Effective Role Of Mortgage Broker

Hypothecary brokers play an significant and critical function throughout the economy. Today, mortgage broker bond is the main bond, and it is important for the people engaged in mortgage broker business, mortgage lending business. Bridgepoint Funding, Inc.  has some nice tips on this. Licensing department allows mortgage brokers or borrowers or dealers to receive license and permit. This mortgage broker license is required for mortgage brokers engaged in mortgage business in state. To receive this mortgage broker license, the applicant must receive a mortgage broker bond from the corresponding state. Mortgage broker bonds are sold according to state and federal authority laws and ordinances.

Mortgage broker bond guarantees good mortgage company efficiency without the mortgage broker or lender doing any default act. Mortgage broker bonds are sold around the various parts of the states and most sectors have examined the state’s need for mortgage broker bonds. Mortgage broker bond safeguards the bondholder against the state principal’s non-performance of the contract, and enforces the mortgage broker to comply. Today, trend has shifted, and most people follow issuing mortgage broker bonds in compliance with state ordinance. Mortgage broker bonds are also part of various types of security bonds and this mortgage broker bond is issued in distinct forms with varying quantities of bonds.

Mortgage broker bonds play an important role in the economy, producing much of all of the world’s mortgage broker bonds. Mortgage broker bond is issued as per state law and ordinance rules and regulations. Each of the state’s mortgage brokers are expected to get a mortgage broker bond from the correct bonding company. Nowadays, as per their requirements and needs, more surety Bonding Company is issuing mortgage broker security bonds to the people. Such mortgage broker bonds are given to citizens according to their requirement and different premiums.

If people understand the intent and use of the security bond, then it can be assumed that the contract would avoid and prevent non-performance and default act. If the mortgage broker or lender or dealer fails to fulfill the contract, then the obligor may sue the mortgage broker or lender or dealer for failure to execute the contract. The obligor has every right to sue the mortgage broker for non-performance of the contract as well as the insurance. Once the borrower meets all the criteria and compiles them legally, mortgage broker bonds will be given to the borrower. The most important conditions for the mortgage broker or lender or dealer are mortgage broker bond and mortgage broker licence.

Equity Release Calculator Advisor Near By Vs Home Equity Line of Credit

There are various ways to unlock the equity in your home and they are designed to offer money in different ways, so we’ll take a look at Home Equity Loans Vs Home Equity Credit Line to give you a clearer idea of how the two operate. Equity Release Calculator Advisor Near By  has some nice tips on this.

A Home Equity Loan is a lump sum that can be equal to your property’s value (although most states seem to have that down to 80 percent of the property’s value) to figure out this, you take your home’s current value and take away what you owe on the property, leaving you with the property’s equity. A Home Equity Loan is usually recommended for people looking to make an expensive purchase or make any home improvements (top tip if you want to make sure you get a Home Equity Loan for home enhancements, this ad is worth the home and ensures that you might end up borrowing more makes the men in Grey suits get a wet, fuzzy feeling).

A Home Equity Line of Credit or HELOC as they have become known is best suited for those who need the funds for those who like to put a child through college or construction work where the contractors are paid in installments. Credit Home Equity Line is measured in the same way as the Home Equity Loan but the money is released in phases. So if you put your child through college you will be able to release the money every semester to pay tuition fees up front.

That is the fundamental difference between the Home Equity Loan And Home Equity Credit Line or HELOC. Loan counselors will be able to point you in the right direction from which of these two you should choose, just make sure that you get the right advice before you go forward.