RISMEDIA, August 11, 2011—There is no perfect formula for selling your home efficiently, but by following these five tips prior to listing you can increase your chances to close quickly at a higher price.

Amid the clouds of gloom hovering over the nation's housing market there is a silver lining. Steven Liberati sees it. The 28-year old heating, ventilation and air conditioning systems salesman and his fiancé are about to purchase their first home -- a co-op apartment in White Plains, New York -- for a fraction of what they thought it would cost just a couple of years ago.

In a recent study, 19 percent of American consumers who reported finding an error in their credit reports opted not to dispute the error, even when they were offered $5 to file the dispute!  Why not?  Well, some said they thought the error was too minor to impact their score, while others said the dispute process seemed too difficult to tackle.

This year we have the opportunity to observe Memorial Day on the actual Day of Memorial. In recent years, it has been moved to the nearest Monday in order to create a three-day weekend, but the actual date is May 30 (this year it is a Monday). The day was originally created as a way to remember those that fought in the Civil War.