Its Time To Sell

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You have to take your personal situation into account—and that's where expert advice comes in handy.

Don't let this scary market make you do something you'll regret.

For most homeowners, being financially ready to sell your house comes down to one factor: equity. During the housing meltdown of —09, millions of homeowners found themselves with negative equity, which meant they owed more on their homes than they were worth. That's called a short sale. Breaking even on your home sale is better, but it's still not ideal.

Their homes are now worth more than they owe on them, and that trend will persist as they pay down their mortgages and home values continue to increase. Figuring out how much equity you have may sound complicated, but the math is actually simple. Here's how it works:. Next, you'll need to know your home value. Once you have those two numbers in hand, simply subtract your current mortgage balance from your home's estimated market value.

The difference will give you a good idea of how much equity you have to work with. So how much equity is enough? But if your sale can also cover your closing costs, moving expenses and an even larger down payment—that's even better. That could save you hundreds of dollars each year!

It's Time to Sell a Saab...

If you didn't have all your financial ducks in a row your first time around the home-buying block, you probably learned a few things the hard way. Like the fact that Murphy can smell "broke" from miles away. If it can go wrong, it will! Put those lessons to good use and be a money-smart home buyer the next go-round! Start by taking a hard look at your finances. If you've paid off all your nonmortgage debt and have three to six months of expenses in your emergency fund, that's a good sign you're financially mature enough to purchase a home again.

Another factor to consider is how well your home meets your everyday needs.

Know the Right Time to Sell a Winning Stock

Perhaps you could use another bedroom or even two to accommodate your growing family. Or maybe your kids have all moved out and you're ready to downsize. Empty nesters can really benefit from selling while rates are low. Step 2. Determine how much it will cost to keep it on the road. Ask your mechanic for a rundown of all the: Big repairs that must be done right now to keep your vehicle running.

Additional repairs that can be postponed but need to be done over the next year.

Major maintenance that will come due during the next 12 months based on how many miles are on the car. A little white smoke until the engine warms up is OK. Slipping between gear changes means your automatic transmission is failing.

Is It Time To Sell Your Old Car or Truck?

Slipping is where the engine revs up without any appreciable increase in speed. Step 3. Do the math. Historical patterns, meanwhile, were raised as an additional concern by Sheets.

Shalett recommends that investors take profits in U. Tech Stocks.

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When It’s Time to Sell, Put Your Strengths First

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