Mind of Money

What Makes Tempe Attractive to Homebuyers

Happy Young Family in Front of Sold Real Estate SignTempe, Arizona is home to over 180,000 people. Most of them are satisfied with where they have chosen to plant their feet, and home buyers are also considering the location when thinking about settling down. Several reasons make Tempe an excellent choice for those looking for permanence.

LGBT Equality

Tempe is one of three cities in Arizona that aced the 100-point rating system. This means the Tempe government has done everything it can to safeguard the LGBT community.

This makes it a fairly attractive option for LGBT individuals and couples looking to settle down. If this kind of security is what you’re looking for in a location, consider this the sign that you should check the mortgage rate for a home loan in Tempe because you’ve just found a perfect fit for you.

Great Education

Arizona State University is known for its excellent programs. Whether you are planning to take up a course for yourself or you are thinking about your children’s future, anywhere near the ASU will be a good fit. If you settle down in Tempe, you’ll have easy access to quality education, and you can even experience some of the greatest innovations before they hit the rest of the world. Here’s a bonus: The Memorial Union on ASU’s Tempe campus also has a bakery where students can get their daily dose of sweets. Nothing like a freshly baked cookie to get your mind off that challenging exam you just took.

Overall Climate

Any place can excel at one thing and brag that they are a perfect fit for your lifestyle. Tempe is not like that. You see it excelling in several disciplines, which makes the overall climate welcoming and favorable for you. There is bound to be a neighborhood to cater to your lifestyle.

Now that you’ve seen the factors that make Tempe residents stay, it’s time for you to make a move. Happy house hunting.

November 10, 2017 at 7:16 amMind of Money

Opening a Business? Think of These Things First

A business plan diagram and a cup of coffeeHaving your own business can give you an opportunity to succeed, but this does not guarantee that you’ll earn lots of money. Growing a business takes time and a lot of effort, as well as overcoming challenges along the way. If you’re thinking of starting your own company or business, be sure to consider the following things first.


Before opening a business, determine the reasons someone would buy your products and services. Note that you cannot just create something and expect people to purchase it. You don’t necessarily need a great idea (it helps, though), but you need to have a market that can help you earn money. Friends and families are not always customers, so you cannot always rely on them to buy what you offer or recommend your goods to others.


Money is sometimes the biggest challenge for would-be entrepreneurs. SBA loan providers in Ogden suggest getting a crash course in cash flow management before borrowing money or running a business. Note that many new owners fail because they don’t have the right approach to managing cash flow. You also need to make sure you have at least enough funds that can cover all the things you need to operate for several months.


Every business needs marketing to succeed. This may mean talking to and interacting with prospects, creating a website, or strengthening your social presence. If you love marketing and talking to people, this will never be a problem. If it’s the otherwise, however, you will hire someone who can help drive customers. Online marketing is also beneficial in attracting more clients.


Operating your own business means that you (alone) are responsible for making your venture succeed. This can mean stress, disappointment, and challenges along the way. Assess your ability in handling stress associated with managing the business. There are also periods of uncertainty or not knowing when your efforts will pay off. Irrational and negative thoughts may cross your mind often, so it can be helpful to contest those thinking with facts and take a break.

Opening a new business is a big challenge. If you think you have what it takes, you can go on pursuing your dream. Getting expert help is advisable so that you can make wise decisions about some things. These may include licensing, insurance, bonding, and other rules and regulations associated with running a business.

November 7, 2017 at 1:00 amMind of Money

Bankruptcy Filing Without a Lawyer: Should You Do it?

Client consulting a lawyer

Many debtors file bankruptcy on their own or without an attorney. Some do so because they believe they can’t afford a lawyer, while others assume that they can do it on their own. There are also those who think that they have a simple case and the process is all about filing forms. Filing a successful bankruptcy case alone is a possible, but this is not advisable for every situation.

All By Yourself

The US Courts strongly recommend finding the right legal representation, as bankruptcy cases have legal and financial outcomes. Note that if you decide to this on your own, you will need to understand the law and prepare the necessary paperwork. Salt Lake City bankruptcy lawyers, Utah Bankruptcy Pros note that you cannot ask court employees or the trustees to give you any legal advice, as they are not allowed to do that.

How Lawyers Help

While you may have heard stories of successful filing, it is important to remember that not all bankruptcy cases the created the same. You cannot just follow a generic advice and expect that it will be the same for your situation. Online articles and how-to guide cannot always provide you with the smartest guidance for your case. A lawyer, on the other hand, can help you with the following:

Decide which chapter is right for you

  • Explain the law and the process
  • Let you know about dischargeable debts and the tax consequences of bankruptcy
  • Assist you in completing and submitting the forms
  • Help you with most aspects of the case

The Law is Complicated

Bankruptcy lawyers spend years to master to the law. This is why you cannot expect to learn bankruptcy in just a few weeks or months. Note that making mistakes and misunderstanding the law can negatively affect your rights. There is also no do-over, and if things don’t go as expected, you cannot change it or call timeout.

Bankruptcy itself is complicated and filing it without an attorney can make the process even more complicated and stressful. It is best to hire an attorney so you will be guided through the process and proceed with your case properly.

October 31, 2017 at 2:30 amMind of Money