Archive for the ‘Finance’ Category

The Cheapest Homes in California

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I’m not going to lie to you: the prices of homes in California are flat-out expensive. You’ll find your occasional good bargain, but if you’re moving from any other part of the country (besides the New York City area) to most parts of California, the prices you’ll have quoted to you are probably going to take your breath away.

When I say real estate in California is costly, I’m not just talking about Hollywood or Bel Air or the nicest parts of San Diego and San Francisco. I’m talking about all over and on a general basis. The fact is, California is the most populous state in the United States (by far), with California’s 55 votes outranking #2 place state (Texas) by 17 votes and dwarfing New York State and Florida’s 29 electoral votes. California has a lot of people, while more people want to live on the West Coast all the time.

So the price of homes are costlier on average in the cities of California than just about anywhere you’re going to look, whether you’re looking in Long Beach or Anaheim, Oakland or Bakersfield. When you get into the heart of cities like Los Angeles or San Francisco, or near the beachfront properties in Los Angeles or San Diego, the prices are going to skyrocket. Keep that in mind when shopping for cheap homes to buy in California.

Cheapest Homes in Los Angeles

The cheapest home I found listed in Los Angeles is a 2 bedroom, 1 bathroom home with 572 square feet selling for $69,900 on East 117th Street. Another house about that size is a 576 square foot single-family home on Hooper Avenue in LA. This place has 1 bedroom and 1 bathroom and has an asking price of $89,900.

Most of the cheaper houses I’ve found in the City of Angels are nowhere near as inexpensive. For instance, I found a 3 bedroom, 2 bathroom residence on Weigand Avenue with 3 bedrooms, 2 bathrooms, and 1,174 square feet. This house is selling for $154,900. I found a HUD home selling for a hundred dollars more, ($155,000–another home had a $123,000 price tag, but it was exclusive for government agencies and non-profits). The 155-grand house has 3 bedrooms and 2 bathrooms and is found at 1125 East 114th Street.

Croesus Avenue has a 5 bedroom, 2 bathroom home selling for $109,000. Croesus Ave also has a $115,000 home selling with 2 bedrooms, 1 bathroom, and a rod iron fence around small yard. The Santa Rosalia Drive Apartments has a 2 bedroom, 1 bathroom home with $133,560 asking price. On 5th Avenue, you’ll find a small but pleasant-looking 2 bedroom, 1 bathroom home with a yard, layered walkway and palm trees in the background. This home sells for $169,000. Grape Street has a 2 bed, 1 bath, 940 square foot single family home selling for $118,800. If you’re looking for a home on Compton Avenue, you’ll find a house with 4 bedrooms and 2 bathrooms fitted into 1,486 square feet of living space. This home has an asking price of $100,000.

Another cheap home I found is a 2 bedroom, 1 bath place on East 106th Street. This foreclosed home is selling currently for $94,900. You can find a home with a rod iron fence around it on East 101st Street with 3 bedrooms, 2 bathrooms, and a price tag of $148,000.

Cheapest Homes in San Diego

The cheapest residences to buy in San Diego are condominiums. Most of the residential houses are in the hundreds of thousands of dollars, so the condo is a less expensive, trendy way to live. One of the cheapest places to buy I found in San Diego is a 1 bedroom, 1 bathroom condominium with 670 square feet at Hotel Circle’s S Unit C3. This San Diego condo’s asking price if $99,900. On Nile Street, you’ll find the Unit 3 condo is on sale for $124,900. This condo has 2 bedrooms, 1 bathroom, 782 square feet, and a one-car garage. On Beadnell Way, you’ll find a 2 bedroom, 1 bathroom condo selling for $139,900. Ask about Unit 1 at the front office.

Paseo Cardiel has a 2 bedroom, 1 bathroom unit selling for $149,000. You’ll also find a home listed online under a McClintock Unit address which says it’s selling for $551. A quick perusal of the listing shows that the square football on the place is 551 square feet, so unless this home owner has a quirk about selling his or her home by $1 per square foot, I would expect a more substantial price. Carmel Mountain Road has a 2 bedroom, 1 bathroom condo selling for $124,000. This condominium has 798 square feet in it. Among homes, a 1 bedroom, 1 bathroom residence on Scripps Westview Way is about as cheap as they come. This foreclosed place is selling for $135,000.

San Jose’s Least Expensive Homes

San Jose is the third-largest city in California, behind LA and San Diego. San Jose has more people than nearby San Francisco, even. Unlike many of the big cities in Southern California, you can find homes selling for 5-figures in the San Jose area. For instance, a 3 bed, 2 bath, 1,344 square foot residence on Ford Road (at unit 34) is selling for $89,900. On Nicholson Lane, you’ll find a 3 bed, 2 bath trailer home selling for the same price: $89,900. At Senter Road, you’ll find what appears to be a 3 bedroom, 2 bathroom condo selling for $149,000.

Inexpensive Residences in San Francisco

The price of housing in the Bay Area can be outrageous at times. The California real estate market has long been out-of-touch with most of the other regions of America. Even in the biggest economic downturn in decades, the price of real estate remains significantly higher than in most parts of America. As an example, Lobos Street in San Fran has a 2 bedroom, 1 bathroom house selling for $209,000.

20th Avenue Apartment E has a 1 bed, 1 bath unit selling for $232,000. If you asked anywhere near that in most parts of the country, they would laugh you out of the room. In comparison, the 4 bedroom, 1 bathroom house on Sagamore Street which is selling for $295,000 seems like a real bargain.

You’ll find a lot of properties listed on certain foreclosure listings online (upwards of 200), but most of these classifieds have a suspicious amount of detail (or lack of detail). When a small home on Franklin Street has a listed price of $985,000, you have to wonder what the price are on all the San Francisco house listings where they don’t want you to know the price.

Even on the HUD website, I wasn’t able to find information. Despite having hundreds of properties listed for California, not one appears to come up in a search of the HUD classifieds for San Fransisco. To find the cheapest homes in San Fransisco, you may have to approach things the old-fashioned way–through a realtor or realty website in the Bay Area.

Cheapest Homes in Sacramento

The same cannot be said for Sacramento. California’s state capital has a significant number of cheap property listings. HuD has a number of cost-effective housing options which are significantly lower than what you’ll find in most of California’s bigger cities, though the prices are still nowhere near as low as you’ll find in the Midwest.

HUD featured a $141,500 asking price for a 2 bedroom, 1 bathroom house at 520 Tenaya Avenue in Sacramento. At 1827 Jamestown Drive, HUD is selling a 3 bedroom, 2 bathroom home for $92,000. The price on this house just was lowered recently. Both the Jamestown Drive and Tenaya Ave homes are extended listings. A two bedroom, 1.5 bathroom house at 8857 La Riviera Drive is selling for $60,000 exactly. The price on this residence was recently lowered.

Frenso’s Cheapest Home

Fresno, the largest city in the San Fernando Valley in central California, has much cheaper housing than in Southern California around Los Angeles or San Diego, and certain cheaper than you’ll find in the San Francisco Bay Area. Fresno is the 5th largest city in California by population, so the job market should still be significant.

You can buy a house on East Franklin Avenue with 2 bedrooms, 1 bathroom, and 938 square feet for $42,400. This house has a yard and a chain link fence. North Ezie Avenue has a 3 bedroom, 2 bathroom home with 1,436 square feet selling for $79,900, while you can find a home on North Harrison Avenue with 3 bedrooms and 1 bathroom fitted into 1,080 square feet selling for $74,900.

Look on East Holland Avenue and you’ll find a home with 3 bedroom and 1 bathroom in 1,026 square feet selling for $64,900. Look on South Maple Avenue and you’ll find a 3 bed, 2 bath home with 1,434 sq feet and an asking price of $74,900. A two bedroom, one bathroom, 1,085 square feet house on East Iowa Avenue has a price tag of $49,000, while an East Floradora Avenue home with 3 bedrooms and 1 bathroom has an asking price of $54,500.

Written by randy

August 22nd, 2011 at 4:15 am

How to Evaluate Credit Card Processing

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How could you make cheap credit card processing really simple to understand for yourself? What can you do to help yourself find the most suitable financial company or bank – whether online or offline – that will give you cheaper rates?

If you feel you’re at a loss, here are some tips to make things easier regarding learning the cheap credit card processing matters that you have to know:

First: Learn the basic factors.

There are many things that can either increase or lower your fees for processing your charge cards. Since you want to get the cheap stuff, be sure to keep these factors in mind. To name some of these important factors, these would include: The type of work or business you have, your credit rating, the length of time you’ve been working, the average dollar rates per transaction made, and the total monthly sales.

It seems like a lot but you’ll be more thankful and more satisfied doing business with a certain credit card processing company if you take time to learn these essential factors before doing anything else.

Second: Keep your credit history clean.

It is very important to keep your credit rating clean. Most of the credit card processing firms take a look at your credit history.

Third: Take note of all the fees involve.

Don’t be quick to assume that you’re really getting inexpensive rates for processing your credit cards just basing it from the discounted rates given and the application fees required. Usually, there are other fees that you have to take note of. These would include the transaction fees, monthly fees, monthly minimum rates, and others.

Fourth: Check if they would require you to have an account.

Not all credit card companies are the same in everything. There are a handful of firms that would require you to have an account and maintain it in their bank. That may be one of the initial requirements for you to have your cards processed with these companies. So ask first and also check out how withdrawals from these accounts would be handled.

Fifth: Read the forms thoroughly.

Contracts or application forms are usually given to you before your cards will be processed. Although this would sound elementary, you would surely be a lot safer and more satisfied if you read everything – even the small print. There may be hidden charges there that you didn’t notice at first. So, to avoid a dispute later on because of confusion or misunderstanding, read everything.

Sixth: Know what to do during the application process.

For verification purposes, the company you choose to process your charge cards may verify your information.

Typically, you would need to provide some of these things: tax returns, a certificate of doing business (dba) or your business license, and others.

Learning how to deal with cheap credit card processing companies can help you get the upper hand in understanding how they work and assist you in determining the company you should do business with.

Visit here for more information on: How To Reduce Credit Card Debt.

Written by admin

March 7th, 2011 at 7:00 am

What parameters go into creating an invoice?

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What must one take into account when he or she needs to create an invoice? The steps involved to create an invoice is important since it is an evidence of the agreement between the buyer and seller. It must include all the details of the transaction.


Before knowing how to create an invoice it is important to fully understand what an invoice constitues of. It is a bill of transaction that is usually sent by a seller or a manufacturer to the buyer as proof of the transaction. It is also a directive issued to the buyer, for the purposes of payment. An invoice usually includes the details of the agreement that were decided between the buyer and the seller. There is a fixed time period mentioned on the invoice, within which the payment should be made. The buyer is allowed some discount, if he pays earlier than the term determined. There are different fields that make up an invoice, but that will be discussed, in the following points:


  • Name of the business organization
  • Date of the creation of the invoice
  • The phone number of the organization
  • The name of the buyer
  • Description of the goods and services provided
  • The total amount that is owed
  • The taxes that have been incurred, for instance Goods and Services Taxes (GST) charges 5% and Harmonized Sales Tax (HST) charges at 13%, or at times the HST and GST may be combined. It needs to be mentioned in the invoice
  • In exceptional cases, taxes such as Retails Sales Tax (RST) or Provincial Sales Tax (PST) are also added to the final price of the product.


An invoice is used as a proof of transaction between companies or individual buyers and sellers. Although the purpose is the same, the invoices used for each transaction differs from company to company and also the nature of the transaction. To illustrate, there are different forms of invoices:


  1. Invoice Proforma- This kind of invoice is usually used when dealing in foreign trading. This testifies the capability of a seller to deliver the products at a particular price and time.
  2. Commercial invoice- This is usually in cases where shipping and other parameters are involved.
  3. Credit Memo-This is usually used, when the buyer returns the goods to the seller and gets this memo as the amount of money he receives from the seller. It is an invoice that makes a note of the refund the buyer receives.
  4. Debit Memo- In case, a company is unable to make a payment on time, it issues a memo for the amount to be paid inclusive of the penalty or interest.


There is a reason why invoices are an important part of business dealing. This is because, it is a proof of work actually done, or the proof of payment being made. So, in the future, if there is an occasion, where the project or transaction is contested, producing an invoice helps to settle the dispute. One point to be kept in mind is, make sure all the information required by the customer and filled by the seller to create an invoice.


To create an invoice is easy, both manually and using the computer. There are many websites and programs that helps one create as many customized invoices as required.

Written by admin

March 7th, 2011 at 5:08 am

Posted in Finance

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