Thursday, June 28, 2012

Benefits.gov Alabama ALL Kids - Children's Health Insurance Program Update

Benefits.gov Alabama ALL Kids - Children's Health Insurance Program Update

Benefits.gov Louisiana Food Stamp Program Update

Benefits.gov Louisiana Food Stamp Program Update

Benefits.gov Alabama Family Assistance Update

Benefits.gov Alabama Family Assistance Update

Benefits.gov Alabama Family Assistance Update

Benefits.gov Alabama Family Assistance Update

Benefits.gov Louisiana Family Independence Temporary Assistance Program (FITAP) Update

Benefits.gov Louisiana Family Independence Temporary Assistance Program (FITAP) Update

Benefits.gov Oregon Weatherization Assistance Program Update

Benefits.gov Oregon Weatherization Assistance Program Update

Benefits.gov Rhode Island Weatherization Assistance Program Update

Benefits.gov Rhode Island Weatherization Assistance Program Update

Benefits.gov Utah Weatherization Assistance Program Update

Benefits.gov Utah Weatherization Assistance Program Update

Benefits.gov Florida Weatherization Assistance Program Update

Benefits.gov Florida Weatherization Assistance Program Update

Benefits.gov Utah Family Employment Program Update

Benefits.gov Utah Family Employment Program Update

Benefits.gov Wisconsin Weatherization Assistance Program Update

Benefits.gov Wisconsin Weatherization Assistance Program Update

Download Your Free Gifts!

Thought I would share this with you. Enjoy.

Download Your Free Gifts!

Wednesday, June 13, 2012

Preparing For Winter Time in The Real Estate Market- Fire Place

Malcolm k. Wright tips,IF YOU WANT TO SAVE ON YOUR FUEL COST. IT WOULD BE COST EFFECTIVE TO TAKE TIME DURING THE SUMMER MONTHS AND CUT TREES. STACK WOOD BY THE YEARS. TREES MUST DRY OUT SO LET THEM SIT COVER UP FOR A YEAR AT LEAST. SO WHEN THE TIME COMES YOU WANT HAVE ISSUES TRYING TO KEEP WARM. CUTTING THE WOOD ABOUT A GOOD FOOT AND HALF DEPENDS ON YOUR ENTRANCE TO THE FIRE AREA. EXAMPLE, A POT BELLY STOVE WOOD PIECES WOULD BE SMALLER THAN AN OPEN FIRE AREA. KEEP A FIRE EXTINGUISHER CENTRAL LOCATED,UP TO DATE AND FILLED. KEEPING THE FIRE DEPARTMENT, POLICE DEPARTMENT PHONE NUMBERS ON YOUR REFRIGERATORS OR NEAR YOUR PHONE IN A VISIBLE AREA. STACK WOOD THAT'S READY TO BURN ON A BALCONY, INSIDE YOUR GARRAGE. NOTHING WORSE THAN MOVING WOOD OUTSIDE IN -ZERO TEMPERATURE'S BECAUSE PRIOR PLANNING WAS IGNORED. COUNTING THE COST. SOMETHING TO THINK ABOUT. MAKE SURE EACH WOOD STACK IS CLEAR OF MOVING TRAFFIC. OBSERVE HOW MUCH WOOD YOU BURN DURING THE WEEK;JUST TO KEEP IT NICE AND WARM. HOW OFTEN YOU MUST REPLACE WOOD STACK ON THE INSIDE. THE DIFFERENCE IN THE TEMPERATURE. THE TIME OF DAY. BY DOING SO YOU WILL ALWAYS BE WARM AND HAVE WOOD TO BURN DURING THE WINTER MONTHS. IT IS CALL PRIOR PLANNING PREVENTS POOR PERFORMANCE. KEY TO TIME MANAGEMENT. A FEW TIPS FOR WINTER TIME PREPARATIONS;MALCOLMWRIGHTENTERPRISE.COM REMEMBER IT GETS COLD IN ALASKA,OHIO,VIRGINIA,MARYLAND,NEW YORK,NEBRASKA,MICHIGAN,COLORADO,VERMONT,RHODE ISLAND,FLORIDA,TEXAS,GEORGIA,ALABAMA,CALIFORNIA COLD IS COLD. STAY WARM THIS WINTER AND ENJOY BREAKFAST WITH YOUR FAMILY. THE HOLIDAYS ARE COMING SOON. FRIENDS,FAMILY WE ALL GATHER TOGETHER AT ONE TIME OR ANOTHER. LETS US COME TOGETHER NOW AND PREPARE LIKE THE ANTS. THIS IS THE DAY THAT THE LORD HAS MADE I WILL REJOICE AND BE GLAD IN IT.

Challenges I Face in the Real Estate Market

There is really a lot more to the up keeping in Real Estate. Just finish helping put in a septic pool that has cause the owner nothing but problems. Especially in the winter months. Many hours was spent working with frozen pipe. The hardest thing about everything is not locating the materials to do the job. Its digging the hole with shovels 4 feet deep about 2 feet wide approximately 3 feet long just one area. Measure about 100 feet away from the house is the location to put the septic pool. 4 feet deep 15 feet wide and 20 feet long, not exactly a job for shovels. Of course it is always good to have good help and know how to operate heavy equipment. like a C325, Bobcat, shovels, pipe glue, foam pipe,felt cloth to catch dirt,levels.Rain gear should it be raining. Water on the job. Hat for your head. Safety shoes, safety vest,safety glasses. Working saws, or cutting materials you never know. It's better safe than sorrow. Or should I say excuse me I did not see you. Accidents do happen some or worse than others. Any time you are working with heavy equipment always be on the alert. Now back to the job at hand. You must always consider the cost and hire help. Sometimes cutting corners can cost more than you expected. Nevertheless you can still, get the job done right with quality services from neighbors or those within your community. Extending an helping hand to your neighbors builds relationships.

Tuesday, June 12, 2012

Property Owners and Buyers Benefits


The benefit of seller financing

Many home owners dread being involved in a situation where a property
they've listed for sale has been sitting unsold for too long. The
basic reason is usually the same - the asking price is too high for
the market conditions. View >
In these situations, the seller is forced to lower their price in
hopes of making the property more attractive to buyers. Unfortunately,
this technique doesn't always work to sell the real estate, especially
if the seller is unwilling to "discount" their house by much, or if
the market is weak.

A great solution for the seller is to open up to an entirely different
segment of buyers by offering seller financing. This way, the property
owner can often sell their house for their desired asking price (or
even more), and find a buyer more quickly than with conventional real
estate methods.You will find more

Some homeowners are hesitant to offer seller financing services
because of a lack of understanding about how private financing works.

Like other things that seem complicated on the surface, it's simply a
matter of grasping the fundamental issues specific to seller finance.
By following the proper procedures to locate a prospective buyer,
create a note, and resell the note to a note purchaser (if necessary),
a real estate seller that is willing to "think outside of the box" can
sell their home for more money and close the deal faster as well.

Finding a prime buyer for seller financing

The majority of home buyers looking for seller financing look through
the "For Sale By Owner" ad listings in the local paper. Even in
today's Internet-dominated world, newspaper advertising continues to
be an effective means to reach those looking for seller financed
deals. A simple sale ad including the line "seller financing
available" or "credit issues OK" should help to generate interest from
the right potential candidates. Keep writing pad with pencil in your car.

Doing the deal

Once a serious buyer is "on board" to buy, the seller works with that
party to set the terms of the note. It is especially important to draw
up the contract to favor the note holder when the property owner will
need to immediately resell the note in order to receive a large lump
sum of cash for their future payments.

Larger down payments are better than smaller amounts, and shorter
terms (5-10 years) and higher interest rates (12%-20%) are usually
preferred by buyers. It is the property seller's option to determine
what is acceptable and what terms to which the buyer will agree.

Once the details of the initial payment, payment term, interest rate,
and any necessary clauses are established, the buyer and seller can
create a new seller-financed note. Creating the note can be handled
with standardized boilerplate or the assistance of an attorney,
although some note sellers manage the private sale of their home
without any paid legal counsel at all.

Once the newly-created note has been reassigned to a buyer, the
property seller will have "cashed in" their future monthly payments
for an immediate lump sum payment from the note buyer - an amount
similar to what they would have received from a conventional sale.

Locating the right note buyer

The best method to find note buyers is using the Internet. Using a
popular search engine website with keywords such as "buy monthly
payments" or "buy mortgage payments" could lead to many interested
buyers.

Enlisting the assistance of a note finder

In the secondary finance industry, a unique group of individuals
exists who specialize in locating buyers. These cash flow specialists
- often known simply as "finders" - have a unique understanding of
what most buyers are looking for. These finders are happy to work with
property sellers (or their real estate agents).

While note finders can't offer any legal advice or assist with the
creation of a note, they are qualified to give general recommendations
about note buyers' buying criteria. Most importantly, note finders
will be able to help locate a buyer for a newly-created cash flow.

Creating an attractive note for resale

Note payers and note buyers are usually looking for very different
things. Most payers would love a "no money down" purchase over 30
years at a low interest rate, but buyers wouldn't want anything to do
with this sort of note because it is a bad deal for them.

An initial down payment of at least 10% of the sale price, a fully
amortized term between 60 and 120 months, and an interest rate of 12
to 20% is typically what a note buyer is seeking. These conditions are
necessary in order to minimize the discount to the note seller. Note
buyers will always reduce the payout amount somewhat in order to
counterbalance the risks - limited equity, a payer with low or no
credit score, possible foreclosure, or having to foot the bill for
legal actions and selling the property via auction.

When property sellers are willing to offer an unconventional, private
financed note to sell their house, the end result is often much better
than the alternative of lowering the price until a "traditional buyer"
finds the deal attractive. Smart sellers who can apply owner-finance
techniques will have a huge advantage in closing difficult deals in
tough markets.

Retired Boss - Hired Feed

Retired Bosses - Hired Feed, Speaking of the challenges we faced everyday. It's great to know that you're not losing as some would even image. Just think many compromise their integrity,hard work, efforts,friendship,relationships,life,family,partnerships,business,many ideas, strategy. Leaving their integrity in the depths of the blinding forest where no sunshine can touch the surface of their hearts,mind or soul. So you see, keeping it real with yourself,being true to yourself will give you a better life beyond the imagination of ones mind. Real Estate gives you ownership for awhile. With that comes many great ventures. Many people here locally or even throughout the United States suffer or lose their homes for many reason. Here is help for those that are facing devastating circumstances.

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