Norwalk, CN (PRWEB) March 27, 2006
As you may have heard, a huge wave of baby boomers will be entering their retirement years in the next two decades. With so many folks being added to the list of retirees, it’s never too soon to start looking into places to spend your golden years, according to AP9 PrivacyMatters123, a comprehensive program, offered by Adaptive Marketing LLC, designed to help members safeguard their identities and protect and monitor their credit rating and good name.
In an age where incidents of identity theft and credit card fraud continue to increase, the ability to detect and protect yourself against such crimes is becoming increasingly vital. Members of AP9 PrivacyMatters123 can save on credit reports and scores, which can help them uncover identity theft risks. They can also save on services designed to protect against the high costs of identity theft, and, if needed, help restore their credit standings. These services, which can be accessed at PrivacyMatters.com, are valuable tools in your effort to create a happy, secure retirement life.
AP9 PrivacyMatters123 recommends a few useful steps as you begin your search for a home that fits into your retirement plans:
-- Actively monitor your credit report and score. Credit reports and scores play a major role in your purchasing power at any age, especially if you’re trying to secure a loan for a new home or even for household renovations that you might want a bank to finance. Frequently monitoring your credit report can also alert you to signs of identity fraud, a crime that can severely hamper your ability to obtain a decent line of credit.
-- Look into pre-qualifying for a mortgage. Online real estate sites like Bargain.com can help you check your credit rating and find a mortgage that suits your financial situation. Having a pre-qualified mortgage as you begin your search can also aid you in negotiations and keep you from buying beyond your means.
-- Find a real estate agent you can trust. Unless you already have a trusted agent, be sure to interview several candidates. Ask your friends for recommendations, and/or visit the National Association of REALTORS® website at http://www.realtor.org for a list of licensed realtors in your chosen area.
-- Check comparable properties. Once you find a property you like, be sure to compare its list price with those of similar homes in the area to make sure the price is in line with the value of other homes in the neighborhood. You’ll also want to order a detailed property report to check out the history of renovations and other potential issues with the property.
One last tip, and a small word of warning: Visit potential properties as often as you see fit. Since it’s likely to be the last home you’ll ever own, you need to be as comfortable with your purchase as possible. If that means taking several trips to look at a property, do so -- but keep an eye on the property’s availability. The real estate market can fluctuate dramatically over time, and homes in certain areas, including several prime retirement locations, tend to sell much faster than homes in other areas, concludes AP9 PrivacyMatters123.
About AP9 PrivacyMatters123
AP9 PrivacyMatters123 is a leading security and privacy membership program offered by Adaptive Marketing LLC. Headquartered in Norwalk, Conn., Adaptive Marketing is a category leader in both membership and loyalty programs, bringing value direct to consumers through an array of benefits in healthcare, discounts, security, personal property and personals. Members may access their benefits at PrivacyMatters.com. With broad online and offline distribution capabilities, Adaptive Marketing offers its corporate client partners effective tools to enhance market presence, strengthen customer affinity and generate additional value through programs such as AP9 PrivacyMatters123.