Payday Loan & Cash Advance App Tips from BBB of the Tri-Counties

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Sometimes you need extra cash to tide you over to payday. Several apps are eager to provide that service, marketing themselves as an easy, no-interest way to get a small loan. However, not all cash advance apps were created equal. Before signing up for one, research it first and watch out for hidden fees and other pitfalls. A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.

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The Hop (Home Ownership Podcast) Episode 83: Buyers & Sellers Seek Stability

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Village Properties realtor, David Charles Allen, reports that interest rates are continuing to inch their way up and the supply of properties for sale is low. Many property owners are tempted to put their homes on the market but if they do, they’ll face the difficult task of finding a new place to live. They may be tempted to turn their properties into short term rentals in order to get top dollar. This makes it difficult for many long-term renters who face a limited supply and high prices. For questions, contact david@davidcharlesallen.com

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The HOP (Home Ownership Podcast Episode 82: Remodel your Home with Resale in Mind

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Village Properties Realtor, David Charles Allen reviews the interest rates and sales stats in Santa Barbara.  He then gives tips on the types of remodeling projects that are likely to help you sell your property in the future.  

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How to Avoid Identity Theft–Tips from BBB of the Tri-Counties

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Scams are designed to either steal your money, or steal your identity in order to steal your money later. Scammers have all kinds of techniques to collect personally identifiable information. Once they have it, they can effectively become you, using your identity to open accounts, file taxes, or obtain medical coverage. Don’t miss this important episode so you’ll know the steps to take to protect your identity! A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.

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The HOP (Home Ownership Podcast) Episode 81: Self-Employed Tax Write-Offs Reduce Reportable Income & Loan Amount

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Village Properties realtor, David Charles Allen, reports on the latest interest rates and stats.  There was not much change in interest rates during the past week;  as of January 24th, 30-year fixed loans were at 3.625% and 30-year jumbo loans were at 3.125%.  The supply of properties on the market is lower than previous years with just 38 new listings and 36 pending sales.  David also discussed an issue that self-employed individuals sometimes face when tax write-offs and reported income affect  their ability to qualify for a home loan.  To contact David, email david@davidcharlesallen.com or call 805-617-9311.

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The HOP (Home Ownership Podcast) Episode 80: Interest Rates Inch Up, No Build Up of Supply

Village Properties Realtor, David Charles Allen, reports that interest rates continue to inch their way up. While it’s hard to predict, many experts believe that this trend will continue. This puts pressure on buyers to move quickly before higher interest rates make buying untenable. However, if rates do continue to rise, there may be a correction in home prices. Inventory remains low because even though sellers are likely to be able to sell their homes quickly and get their asking price, they’ll be put in the position of having to find another home–which may prove to be difficult. David also explains that because home prices have gone up substantially, there are very few foreclosures. (Sellers who may have fallen behind in their payments usually have equity and are able to refinance or sell their properties.)

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2022 Real Estate Predictions in Santa Barbara

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Hosted by Village Properties Realtor, David Charles Allen: Interest rates continue to inch their way up.  Home prices remain high but seem to be leveling off.  There is still a home shortage and new construction is limited.  As we enter a new year, it’s still a great time to sell.  Sellers are likely to easily get their asking price and sell their homes quickly.  For more information, or for help buying or selling property in Santa Barbara, call David at 805-619-9311 or email david@davidcharlesallen.com

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Diet Product Scams

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Better Business Bureau is ringing in 2022 with tips to help people avoid falling prey to overstated weight loss
advertisements and scams. The desire to get in shape or lose weight fast creates a risk of being deceived by products that do not work as advertised, come with a host of
unwanted side effects, or cause weight gain instead.  A BIG thank you to BBB of the Tri-Counties for sponsoring Your Moment of Trust, with advice and tips from BBB of the Tri-Counties.

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Merchandise Return Tips From the BBB

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Stores are not legally required to accept exchanges or give refunds, unless the merchandise was defective or misrepresented. While most retailers do offer refund and exchange programs, policies vary greatly from one store to another. Fortunately for shoppers, one positive outcome of the COVID-19 pandemic is that many retailers have become more lenient in their return policies. But be sure to double check policies this holiday season, even if you are familiar with the brand, as stores can change their policies whenever they want.

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Beware of Phony COVID-19 Antibody Tests!

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BBB of the Tri-Counties warns us about potential fraud related to the COVID-19 antibody tests. Scammers are selling unapproved tests, which can give inaccurate results. In doing so, they are also collecting personal information, such as Social Security numbers and dates of birth. They may also be stealing health insurance or Medicare information that can be used in future schemes. Learn how the scam works so you don’t fall for it!

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