How Much Life Insurance Do I Need?Start by calculating your long-term financial obligations, then subtract your assets. What's left is the gap that life insurance will have to fill.You can’t

Dated: June 2 2018
Views: 641
Congratulations, you're officially obsessed with real estate—swerving toward every open house sign and poring over glorious property pictures online again and again. But how serious are you about actually coughing up a down payment and buying a home? Since it's sometimes hard to sort out your true feelings, allow me to help you figure that out.
Odds are you're just window shopping if you fit any of these red flags:
Open houses are low-commitment ways to ogle beautiful homes—without the pressure to actually make an offer or even move in the direction of one. But how much is too much? If you find yourself addicted to these group showings with no desire to move toward one-on-one appointments, you could just be a looky-loo, reluctant to commit to homeownership
If you're looking at houses in a bunch of different neighborhoods that are far apart from one another, you're most likely not ready to buy.
This is a huge signal that people are “still in the casually looking stage and just aren't committed
One showing is good; a second showing is great. But do you keep going back to a home again and again ... and again? (And again?) .If there isn't a written offer, it can mean that [the buyers] aren’t very serious. People who are ready aren’t afraid of pulling the trigger. If you find yourself in this perpetually gun-shy mode, it may be time to realize that you're not committed to putting down new roots. Yet.
Another telltale sign of window shoppers: You're seeing plenty of potential homes, but never with an agent. Fine, you might think you just want to go it alone, but might it just be because you want to wiggle away from any pressure you might feel from an agent to make an offer already? Same is true if you aren't working to get pre-qualified for a mortgage.
You can tell how serious potential buyers are by how long they’ve been property hunting. There's a 50% chance you're a looky-loo if you've been searching for over a month ... without any realistic prospects. And the longer you look, the higher those odds get that home shopping is probably nothing more than a weekend hobby. A fun hobby, but still...
On the other hand, odds are good you’re primed and ready to take the plunge into homeownership if you're doing any of the following:
Serious buyers are eager to set up one-on-one appointments to look at a potential home.
They want private time, not group time. Even if it means going way out of their way to make it happen.
Typically, a married person looking without their spouse is just window shopping, But showing the home to your significant other, another family member, or trusted friend indicates you envision your life in the property and want a second opinion from someone you trust—or, even more important, someone else who will be living there.
Do you find yourself lying awake at night wondering how old the roof of that house you're eyeing is?
Serious buyers tend to engage in a dialogue about the home and their specific needs, and are also interested in hearing about the [entire buying] process from the Realtor. These buyers tend to ask multiple, probing questions about “neighborhood attributes, schools, the age of mechanicals, distance to parks and recreation, and kitchen and bath updates." Questions are a good thing.
If you already know what you can afford, then you may be moving soon. If consumers are pre-qualified or actively securing a mortgage with a lender, that “shows they are ready to buy."
Snipppets taken from source: Realtor.com
https://www.realtor.com/advice/buy/window-shopping-for-home/
Born and raised in the small town of New Iberia, Louisiana. Later graduated from college with a associates degree in computer networking. Went on to a 20 year career in the oil and gas industry. Now h....
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