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	Real Flame Gel Fuel - 13 oz cans; 24-Pack List Price: $85.00 Sale Price: $53.50 Average Rating:
	Real Flame is the leading brand of gel fuel in the market. Lasting up to three hours each can creates bright yellow, orange, and red flames that crackle just like a real fire. Best of all, Real Flame gel fuel is an environmentally friendly, clean-burning

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You can find material used to caulk the windows at The Home Depot, which is dyed a different color colors, one of the partners that the island can find the caulking windows color.

Construction of my Outdoor Fireplace

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Stoned outdoor fireplaceno reservehigh bid wins    US $710.00

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Wood Charcoal Backyard Outdoor Aztec Firepit Fireplace    US $79.95

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	Real Flame Gel Fuel - 13 oz cans; 24-Pack List Price: $85.00 Sale Price: $53.50 Average Rating:
	Real Flame is the leading brand of gel fuel in the market. Lasting up to three hours each can creates bright yellow, orange, and red flames that crackle just like a real fire. Best of all, Real Flame gel fuel is an environmentally friendly, clean-burning

	Coleman Butane Windproof Lighter for Grill, Candle or Fireplace List Price: $25.00 Sale Price: $24.99
	This lighter is a must have household gadget as it can light candle, fireplace and best of all grill. It is butane refillable lighter. It has an extendable burner that extends out when pulled out for better reach when lighting that barbecue grill...

	Coleman 3150-A20 Fire Light Propane Torch (Green) List Price: $35.99 Sale Price: $35.99 Average Rating:
	Unique Firelight flame adds the perfect relaxing ambient lighting atmosphere to any outdoor setting. Convenient and clean-burning propane operated: no oil, no wicks, no mess. Includes protective cover and replaceable citronella cartridge that lasts up to 6 hours.

	Convert-A-Ball FD LOG Ceramic Log Kit for Fire Dance Sale Price: $41.50 Average Rating:
	Realistic-looking log kit fits on top of the Fire Dancer fireplace, Item# 173906. U.S.A.

Lakefront Lake

	Historic Print (S): Lakefront, Exposition Park, Conneaut Lake, Pa. Sale Price: $24.95
	This is a museum quality, reproduction print on premium paper with archival/UV resistant inks. Date: c1909.Subject: Lakes & ponds. Piers & wharves.United States--Pennsylvania--Conneaut Lake.Notes: J131498 U...

Lake Erie's Central Basin

Lake Erie’s Central Basin The Lake Erie's Central Basin is located from about Huron, Ohio, to Erie, Pennsylvania. The Central Basin is wide open water with no Islands and the average water depth is more than 70 feet, Always think safety in these waters, or anywhere on Lake Erie, because boating conditions may change rapidly. Be sure to follow safe boating tips any time you are on the water and observe good clearance away from fishing boats, freighters and commercial tugs.

Fishing for Seelhead Trout, Smallmouth Bass, Walleyes, Yellow Perch is popular among many boaters. Fishing is best in the dead of summer in Lake Erie’s central basin because as the water warms up in the Western basin many fish species migrate to the central basin and cooler waters. The central basin is particularly noted for it’s Steelhead fishing. Steelhead typically need deeper water and the ave. depth in the central basin is 70ft, perfect habitat for Steel Head. I would like to mention you need to be aware of the central basin’s deed water zone. Here’s what the OHIO dnr has to say about it:

Copied from the OHIO DNR website 7/15/2008 In response to the many questions from anglers, media and those concerned about Lake Erie resources, we present the following fact sheet regarding the central basin "dead zone." What is the central basin "Dead Zone?" The central basin "dead zone" is a layer of cold water at the bottom of the central basin that has little or no dissolved oxygen in it. The central basin is located from about Huron, Ohio, to Erie, Pennsylvania. As waters warm in the central basin, they form three specific layers. The warm surface and upper layer is called the epilimnion, it is characterized by with warm water with good oxygen and plant and animal life. The second layer is called the thermocline, and it is a small layer of rapid temperature change and loss of some oxygen. The bottom layer is known as the hypolimnion; it is cold, has low to moderate oxygen, no sunlight or algae activity, and decomposition by bacteria occurs here. These conditions can occur in most offshore waters deeper than 15-18 meters (49-60 feet) to the bottom of the lake. Hot weather, precipitation and wave action all dictate the onset and length of this condition. It can vary in depth and the amount of oxygen in the hypolimnion across the lake, north and south, east and west as a variable, patchy matrix. These conditions occur every summer from mid to late July through early September. After September this zone breaks down, when the lake becomes all one temperature again, in an event called a turnover. You can also get more information at:

Fairport Harbor Fish Research Unit Ohio DNR, Division of Wildlife 1190 High St. Fairport Harbor, Ohio 44077 Phone: 440-352-4199 Fax: 440-352-4182 E-mail: kevin.kayle@dnr.state.oh.us Lake Erie’s Central Basin Fishing Hot Spots:

Walleye Winter- Breakwalls; Huron, Huntington Beach, Lakefront State Park, Fairport Harbor. Spring- same as winter, plus Grand River and nearshore areas from Vermilion - Conneaut. Summer- Ruggles Reef, Lorain, Cleveland, Euclid, Eastlake, Fairport, Geneva, Ashtabula, Conneaut; inshore early, offshore late. Fall- Huron, Ruggles Reef, Vermilion, Lorain, Cleveland, Euclid, Eastlake, Fairport, Geneva, Ashtabula, Conneaut; eastern locations early.

Yellow Perch Winter- Breakwalls; Huron, Huntington Beach, Lakefront State Park, Fairport Harbor. Spring- Breakwalls and nearshore locations: Huron, Lorain, Lakefront State Park, Mentor Headlands, Fairport Harbor, Ashtabula. Summer- Nearshore to offshore: Huron, Vermilion, Lorain, Cleveland, Euclid, Eastlake, Fairport, Geneva, Ashtabula, Conneaut Fall- Offshore to nearshore: Huron, Vermilion, Lorain, Cleveland, Euclid, Eastlake, Fairport, Geneva, Ashtabula, Conneaut.

Smallmouth Bass Winter- Nearshore, harbors and marinas; Fairport, Perry, Ashtabula, Conneaut; Cleveland artificial reefs Spring- Nearshore; Ruggles Reef, Vermilion, Fairport, Perry, Ashtabula, Conneaut; Lorain, Cleveland artificial reefs Summer- Nearshore to offshore; Ruggles Reef, Vermilion, Fairport, Perry, Ashtabula, Conneaut; Lorain, Lakewood, Cleveland artificial reefs Fall- Nearshore; Ruggles Reef, Vermilion, Fairport, Perry, Ashtabula, Conneaut; Lorain, Cleveland artificial reefs

Steelhead Trout Winter- Vermilion, Rocky, Chagrin, Grand rivers and Conneaut Creek; smaller tribs from Cleveland east Spring- Vermilion, Rocky, Chagrin, Grand rivers and Conneaut Creek; smaller tribs from Cleveland east. Summer- Offshore depth-controlled trolling from Lorain Sandbar - Avon, Cleveland - Fairport, Geneva - Ashtabula. Fall- Piers, beaches and breakwalls from Cleveland east; Vermilion, Rocky, Chagrin, Grand rivers and Conneaut Creek; smaller tribs. during high water in main steams.

White Bass Winter- Breakwalls and Warm Water Discharges; Lorain , Lakefront State Park, Eastlake, Fairport Harbor, Ashtabula. Spring- Breakwalls and Warm Water Discharges; Lorain, Lakefront State Park, Eastlake, Fairport Harbor, Ashtabula. Summer- Nearshore areas near harbors; Breakwalls; Lorain, Lakefront State Park, Eastlake, Fairport Harbor, Ashtabula. Fall- Nearshore areas near harbors; Breakwalls and Warm Water Discharges; Lorain, Lakefront State Park, Eastlake, Fairport Harbor, Ashtabula.

About the Author

Mark Fleagle Webmaster A well respected fishing specialist with 30+ years of fishing experience,who has published many fishing articles. Mark has been a online presence for fishing information for going on 4 years. Visit my blog and get the latest Lake Erie's Central Basin Fishing Reports at my site: Lake Eries Central Basin Get your free copy of "78 Fishing Discoveries Unleashed".

Calico Lake front home for sale in Yermo, CA - 39477 Mountain View Rd. - Norma Toering REMAX PV Rlty

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Lakefront house on ski lake Newly renovated Orlando    US $199,999.00

Lakefront Cottage 233 Ft Lake Erie Frontage    US $275,000.00

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	Historic Print (S): Lakefront, Exposition Park, Conneaut Lake, Pa. Sale Price: $24.95
	This is a museum quality, reproduction print on premium paper with archival/UV resistant inks. Date: c1909.Subject: Lakes & ponds. Piers & wharves.United States--Pennsylvania--Conneaut Lake.Notes: J131498 U...

	Lakefront Beach in Chicago - Inviting 16"x20" Photographic Print by Carol M. Highsmith Sale Price: $39.95
	We offer exceptional-quality 16x20 framable prints from every region and every U.S. state. Thousands of landscapes, scenic views, great monuments, city skylines, American Main Streets, landmarks, Civil War sites, highways and byways, National Parks, lighthouses, state capitals, farms and crossroads are represented...

	The Definitive Guide to Smith Mountain Lake Real Estate Sale Price: $7.99 Average Rating:
	List Price: $10.00 This treasure will help you successfully navigate the Smith Mountain Lake real estate market. The author shares his wisdom that he has gained in his years as a real estate broker at Smith Mountain Lake...

	At City's Edge: Photographs of Chicago's Lakefront (Center for American Places - Center Books on American Places) List Price: $45.00 Sale Price: $45.00 Used From: $24.98 Average Rating:
	An iron-gray slate on a cold and blustery day, a respite from the summer heat, the engine of the city's notorious blizzards: Lake Michigan is an integral part of the landscape of Chicago. Bob Thall has been photographing the skyline and streets of Chicago for over thirty years, and here in At City's Edge he chronicles the twenty-five-mile shoreline where the asphalt meets the inland sea...

Mobile Home

	AccuSharp 001 Knife Sharpener List Price: $13.99 Sale Price: $5.95 Average Rating:
	Versatile and easy enough for anyone to use safely, the AccuSharp 001 Knife Sharpener lets you quickly sharpen a wide variety of bladed tools, from straight and serrated knives to cleavers and axes. Its unique, ergonomic design guards your fingers while a dependable, diamond-honed tungsten carbide blade puts a precision edge on your tools...

How to Make Money in the Mobile Home Park Business

Although it has taken us literally thousands of pages to describe how to do due diligence and operate mobile home parks effectively, the general theory on how to make money with mobile home park investments could fit on the back of an envelope.

These are the few, simple steps to making money in mobile home parks.

I.              Buy a park in a big market.  It doesn’t have to be New York City, but you need to have a market that has enough size to fill vacant lots and push rents. A mobile home park in a tiny town suffers from few new move-ins and great danger from the employment trends of a couple of large employers. Also, you need prevailing two-bedroom apartment rents in the $700 or so range. If you are looking at a market with two-bedroom apartment rents of $295 per month – where is the affordable housing niche? The apartments, in that case, are already delivering affordable housing – so who needs mobile homes? And how can you push rents in that scenario?

II.             Stick to city water and city sewer, if you can.  If you can avoid private utilities, you can avoid huge potential capital calls. In the absence of private utilities, the worst capital expenditure you will be forced into spending is a few thousand dollars on pothole repair. But if you have a water well or packaging plant or lagoon, the overnight cash you might have to cough up could be $50,000 to $250,000.

III.            Never count any income but lot rent.  You can’t use any mobile home rentals, or note income, or laundry income in your calculations. Only lot rent. Period. Even if you are insist on trying to use it, your bank will stop you by turning down your loan.

IV.           Buy at a 10% cap rate or better. You should only get in the mobile home park business to make money. To make money, you have to put yourself in a position to do that. Buying parks at a 6% or 8% return is starting off behind the 8-ball. All you will do is, maybe, cover your mortgage. You will have no cash flow to reward yourself for all your time, effort and risk. And that’s just not a fair deal to yourself.

V.            Push rents. Relentlessly.  There is no better way to make money in the mobile home park business than to increase rents. Every dollar that you increase rents falls directly to the bottom line. And every dollar of rent you increase equals 10 times more in value. Increasing rents by $1,000 per month yields $120,000 in sales value enhancements, at a 10% cap rate.

VI.           Groom the park into a 20% cap rate.  If you push the rents by about 10% each year, it will take you only until about seven years to have doubled the rent. Can you push rents this aggressively? You bet. At $3,000 or so to move a mobile home, there is a huge barrier to moving out, so tenants will accept pretty much whatever you raise the rents to… within reason!

That’s the entire roadmap to success. It’s not complicated. It’s not hard to understand. Yet people are making errors on this strategy every day. In an effort to buy something quickly, many people will sacrifice their lives and buy a mobile home park that can’t possibly make the owner money even if it tried.

If you respect yourself, you have to hold your ground with our strategic deal points. If the seller won’t sell at a 10% cap rate – walk away from the deal. The same is true with all the other subpoints. Without the correct alignment, the park is going to be only a “tar-baby” that you can’t get rid of. And there is certainly no money in that.

Want to make a million dollars in the mobile home park business? Then don’t try and get fancy and violate all of the successful formulas that have come before you. Follow our plan, and you will have your best chance at winning.

About the Author

For over a decade, Frank has been involved in all facets of the mobile home park business as an owner/operator of parks in four different states. His experience includes:
Purchasing and operating over 25 mobile home parks as an investor
Performing "due diligence" on hundreds of other mobile home parks.
At one point, ranking as the 63rd largest owner of mobile home parks in the U.S. Frank has achieved a high-level of expertise in evaluating, buying, operating, turning around, financing, and selling mobile home parks. His experiences are real life, and he can provide you with real life scenarios and solutions on almost any issue that you can face as an investor or operator. His knowledge can be yours through the unique offerings at "Mobile Home Park College" as a Faculty Member.
Mr. Rolfe has also authored and co-authored some very informative books on investing in Mobile Home parks , to see more books and articles written by Frank Rolfe visit Mobile Home Park Store

Kentucky Farm Land Mobile Home for sale - seller will finance Danville, KY

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10 LUSH ACRES 2 MOBILE HOMES IN BROOKSVILLE FLORIDA    US $120,000.00

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Juneau Alaska 3BR 2BA Mobile Home Newly Remodeled    US $45,000.00

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	AccuSharp 001 Knife Sharpener List Price: $13.99 Sale Price: $5.95 Average Rating:
	Versatile and easy enough for anyone to use safely, the AccuSharp 001 Knife Sharpener lets you quickly sharpen a wide variety of bladed tools, from straight and serrated knives to cleavers and axes. Its unique, ergonomic design guards your fingers while a dependable, diamond-honed tungsten carbide blade puts a precision edge on your tools...

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	Revolutionary deep cleaner gives you the freedom to WalkAway while it does the work for you. "What does the SpotBot PROheat know about stains?" Everything. BISSELL SpotBot PROheat has an Automatic Smart SystemTM that eliminates the guesswork...

	Last of the Mobile Hot-Shots [VHS] List Price: $19.98 Sale Price: $10.00 Used From: $6.99 Average Rating:
	Screen adaptation of Tennessee Williams' Seven Descents of Myrtle involving a volatile interracial love triangle set in the deep south.

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Family House

The Hidden Advantages of Owning Apartment Houses vs Single Family Houses

One of the first money making reasons to hold apartment houses and not single family houses is because there is loads of cash flow to be made in apartment investing. Apartments are always in demand - no matter the economy - so if cash flow is important to you then will generate it quickly. When you invest in apartments, your income has no cap. It's solely based on your expectations and actions.

You can invest in apartment houses part time and eventually quit your job and live better. Serious apartment house investors spend their time finding more profitable deals. Once those deal are found and closed, they employ experienced property management companies who will carry out the day to day activities associated with maintaining an effective business. The purpose of the management company is to free the owner of the apartment building so he or she will have time to do the leisure activities that they enjoy most.

There is less competition in apartment investing verses single family home investing. Only a few investors know how to do it right, and are willing to talk about it. There is little written on the subject of apartment investing and those who do know want to keep it a secret.

There is a lot less risk when buying an apartment building. You don't lose all of your cash flow if you lose a tenant, as you would with a single family home. Consider this - you can cut your risks by 2 with a duplex and by 4 with a quadplex. So imagine if you have more units under one roof, it will become even easier to absorb tenant turnover.

Apartment investing provides you the benefit of tax-deferred money. Your profits can be tax free (or at least tax deferred) though refinancing. This principle is called 1031 tax-deferred exchange. Performing a 1031 tax deferred exchange basically allows you to defer capital gains taxes on real estate bought and sold for investment purposes.

Economies of scale are realized when investing in apartments. Owning six units in one apartment building is better than owning six single family homes. The cost to maintain them is a lot less. Most importantly, other people pay your mortgage and expenses.

Apartments provide you with a fast price rise in an "up" market cycle and lower price fall in a "down" market cycle. Real estate markets are cyclical meaning it has cycles and phases. Each cycle is different and it depends on the economic environments. Knowing how to buy apartment buildings in each market cycle can lead to tremendous gains as well as avoid long term loss.

Apartment home investing is a ground-floor investing opportunity. Not many people are investing in apartment houses. It's is a great time to invest in apartments because the economies of affordability of single family housing forces many to rent. The greatest demand for apartment homes is being created by the Baby Boomers children, who are called the Echo Boomers. In addition, lifestyle changes and elderly preferences are swelling the ranks of renters.

About the Author

David Jackson is a real estate investor & author who has found a niche in apartment investing. Find out how you can buy apartments while being broke & with no money of your own at http://www.mymassivecashflow.com. Register for his newsletter & claim a CD at http://www.freeapartmentbuyingtips.com

High lyrics - Light House Family

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Single Family House Miami For 33K 2 for the price of 1    US $33,000.00

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	Hip Hop For Kids: School House Hip Hop (Dance) List Price: $19.99 Sale Price: $10.60 Used From: $12.19 Average Rating:
	Studio: Bayview/widowmaker Release Date: 07/15/2008 Run time: 45 minutes

The King and I (1956 Film Soundtrack) List Price: $8.94 Sale Price: $5.45 Used From: $7.24 Average Rating:

Compared with the Broadway cast recording, the 1956 soundtrack to the film version of The King and I wins hands down. Yul Brynner is the king (literally and figuratively) in both formats (how could anyone else own such a role?), but the movie's score has better sonics, Brynner's voice is stronger, and the tunes are more memorable (thanks to Alfred Newman's conducting and Ken Darby's scoring) than on any of the various cast recordings...

	Baby Einstein: Baby Wordsworth - First Words: Around the House List Price: $19.99 Sale Price: $11.96 Used From: $11.99 Average Rating:
	Studio: Buena Vista Home Video Release Date: 06/30/2009 Run time: 39 minutes

	Schoolhouse Rock! - America Rock [VHS] List Price: $14.99 Sale Price: $7.77 Used From: $2.77 Average Rating:
	Once upon a time kids learned many of their school lessons in the three-minute episodes of Schoolhouse Rock. These educational cartoons came on during the commercial breaks of the less-than-edifying Saturday morning fare in the 1970s, and despite their healthy content, kids stayed glued to the screen to sing along to the somewhat psychedelic cartoons...

	Schoolhouse Rock! - Multiplication Rock [VHS] List Price: $14.99 Sale Price: $19.99 Used From: $5.75 Average Rating:
	SCHOOLHOUSE ROCK takes children on a fantastic scholastic learning adventure. The same great songs you knew and loved as a kid are now available to a whole new generation. Each volume in this special collection features exclusive bonus programming of some of today's hottest rock stars singing their favorite SCHOOLHOUSE ROCK! song...

	Richard Scarry's Best ABC Video Ever! [VHS] List Price: $9.98 Sale Price: $44.93 Used From: $2.48 Average Rating:
	A delightful tool to help kids learn their letters, Richard Scarry's Best ABC Video Ever finds Busy Town pals Huckle and Lowly Worm discovering that it's Alphabet Day at school. Their teacher, Miss Honey, invites her students to join in a spirited rendition of "The Alphabet Song...

	White Door Guardian Patio Door Lock List Price: $29.95 Sale Price: $25.00 Average Rating:
	The Door Guardian Sliding Patio Door Lock is an elegant solution to sliding patio door security and safety. It was designed to replace the piece of wood, hcokey stick or broom you normally find in the bottom track of your slding patio door and is more attractive than a pin lock or charlie bar...

	Rome's 8 Piece Marshmallow Roasting Fork Set, Chrome Plated with Multi Colored Handles List Price: $24.99 Sale Price: $18.00 Average Rating:
	Thanks for taking a look at our range of sundials. We work to make sure that our dials crafted as Shakesphere wrote in Henry VI, "quaintly, point by point." Each Rome design is individually cast using the traditional sand mold process and then hand polished and buffed...

I think many rules on "open burning", but I do not think that burning it would be open .... was bought in a store, with a mesh lid to give the records are not everywhere and sparks, and so on.

Call your local fire department ... They can tell fairly quickly. Here in Clackamas Co. is in the limits when the fire danger is very high.

Outdoor Fire Pit

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LP Gas Outdoor Fireplaces GAD860SP Fire Pit    US $499.99

SANTA FE INDIAN STYLE OUTDOOR FIRE PIT GRILL FirePit    US $229.00

HEATILATOR OUTDOOR PATIO GAS FIRE PIT FIREPLACE PROPANE    US $225.00

Wood Charcoal Backyard Outdoor Aztec Firepit Fireplace    US $79.95

NEW FIRE BOWL TABLE or OUTDOOR PATIO FIRE PIT BOWL    US $119.86

Heavy Duty Steel Stars and Moon Outdoor Firepit Grill    US $96.00

Heavy Duty Steel Celtic Cross Outdoor Firepit Grill    US $80.00

Steel Christian Jesus Fish Outdoor Firepit Grill NIB    US $159.00

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Outdoor Fireplace Fire Pit Plans    US $9.99

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OUTDOOR WOOD BURNING MOOSE TREES FIRE PIT FIREPIT    US $229.00

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TEXAS COWBOY OUTDOOR PATIO FIREPIT GRILL Fire pit New    US $229.00

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Outdoor Propane Fire Pit Firepit Bowl Water Fountain    US $249.99

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Outdoor Copper Fire Pit 36 fire bowl firepit LP    US $250.00

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Selling Your Owner Financed Loan - Faq

Selling Your Owner Financed Loan - FAQ

If you\'ve ever taken out a mortgage with a bank then maybe you\'ve experienced this: about 6-8 weeks after closing you receive a letter from a totally different lender who now has control of your loan and you are to send the monthly payments to them.

Well the original bank sold your mortgage or real estate note for cash to another financial institution that wanted a long-term cash flow investment. If you have \"owner financed\" the sale of your house with the buyer you can do the same thing. Sell your deed of trust or real estate note for cash to an investor who is looking for a long-term cash flow. There are lots of different names for a note: Deed of Trust, Contract For Deed, Mortgage, Loan, IOU, Promissory Note and others. For simplicity sake I\'m going to use the term note.

Let\'s say you have $80 in one hand and $100 in the other and I said you could keep only one. Well you\'d keep the $100 of course but what if I told you you could have that $100 but it will be paid out at $1 a month over the next 8 years but you can have the $80 right now. Well that changes everything.

If you looking to purchase something really special for your family or to pay off some high-interest, nagging debts; maybe you have another promising investment opportunity, or you simply prefer not having the responsibilities and risks of carrying a Note. I can help you sell that note for cash to a buyer looking for a long-term cash flow investment.

Due to the current economic crisis, the price an investor is willing to pay for your owner financed loan has never been higher! If you are interested in finding out how much an investor is willing to pay for your real estate note call or email me today for a free quote.

For a more detailed description of the different kinds of notes please see the faq section of my website or a more in depth overview please download my free ebook \"How To Owner Finance Your Home\"

Here are some faq:

1. WHO BUYS NOTES?

There are various people and companies who like to invest in real estate notes instead of the stock market, commodities or apartment buildings. They could be a one-person operation, or an office of 4 or 5 people, or 20 people, or a big investment house of 100 people. I don\'t put your note on a web site forum and hope somebody sees it or market to people right out of a \"How To Get Rich Investing In Real Estate Notes Seminar\". I work with only reputable, long-term investors.

2. WHAT KIND OF NOTES ARE YOU LOOKING FOR?

I can help you find an investor for various kinds of Real Estate Notes:

• Single or in portfolios.

• Single Family Residential

• Duplex, Triplex, Fourplex

• Apartments

• Income Property

• Improved Land Contracts

• Recreational & Resorts

• Commercial Land Contracts

• Farm & Ranches

• Condos

• Vacant Land

• Bulk REO (Real Estate Owned) and real estate property portfolios

• Bulk mortgage note portfolios

3. WHAT IF THE HOME BUYER IS BEHIND IN PAYMENTS?

If you have a delinquent mortgage note I can help you. There are investors who will purchase notes that are behind in payments. If you are frustrated and not getting your monthly payments and just want to be done with the whole thing, I can help you find an investor who will purchase that delinquent note. This includes semi-performing (buyers are over 30 days late with payment) and non-performing (buyers are over 3 months behind in payments) mortgage notes. Get rid of that headache note and let someone else deal with it.

4. HOW MUCH IS THIS GOING TO COST ME?

There is no charge to you, the note holder ever. Getting a quote from an investor is free with no obligation to sell your note and the entire process is completely confidential. The borrower until the transaction is complete. The investor pays all broker fees.

5. HOW MUCH WILL I GET FOR MY NOTE?

This unfortunately I can\'t answer, as there are too many variables involved. Each transaction is unique so an investor looks at several key factors for pricing. These include the type of property and location, down payment, equity, the buyer\'s credit, how long the buyer has been paying you, and the terms of your note like interest and monthly payment amount. All that goes into their risk assessment and they make their offer based on that. Having said that though an average note will demand anywhere from 80 to 93 cents on the dollar depending on those factors.

6. HOW LONG WILL IT TAKE BEFORE I GET MY MONEY?

All deals vary, but normal closing time is 2 to 4 weeks once the investor starts their due-diligence process (inspection, appraisal, credit check, etc).

7. I JUST NEED SOME CASH NOW BUT I LIKE HAVING THE MONTHLY CASH FLOW.

There are a couple of ways to get creative:

Partial Purchase

A great option for note sellers because of it\'s extreme flexibility and because in many cases it is possible to receive MORE MONEY than the original selling price. If you need cash right now but want to keep your note for the cash flow investment you can structure a deal so that you sell just a portion of your monthly payments for a certain amount of cash.

Let\'s say that you sold your house for $250,000, the buyer gave you $25,000 as a down payment, and you now have a $225,000 note at 7% interest for the next 15 years. You want the monthly income but are in need of $50,000 cash right away. An investor could give you that $50,000 in exchange for buying \"x\" number of monthly payments, after which the note reverts back to you for the remainder of the term.

Split Partial Balloon

If your note has a certain amount of payments then a balloon payment at a certain date you can sell the payments leading up to the balloon and a portion of the balloon when it comes due. You get a lump sum of cash at closing and then receive a portion of the balloon payment when it gets paid off.

8. I HEARD I SHOULD HOLD ONTO MY NOTE FOR A NUMBER OF YEARS TO GET A BETTER PRICE.

This is called \"seasoning\" the note. The reason for waiting is that you are hoping to increase the equity in the house, which will help the note command a higher price. While this could happen other variables might decrease the price of the note the longer you wait.

It\'s possible that maybe the property might devalue in price. What if the homeowners rack up a lot of credit card debt buying appliances, furniture, landscaping or remodeling and their credit score goes down? What if the homeowner loses their job and they stop making payments?

An investor looks at many things when assessing risk on a note and how old the note is is just one of them. A 3-year-old note with a bad credit score might be priced less than a 3-month-old note with a great credit score all other things being equal. Every note is different. Brand new notes and 20-year-old notes are sold everyday.

9. CAN I GET CASH AS SOON AS I CREATE THE NOTE?

Yes this is called a simultaneous closing, where a few days after the close of the house with the buyer you receive a check for the note. If you\'re going to owner finance your home and you know you want to sell the note this is a great way of doing it because the investor is there for the initial process and you don\'t have to start over again 6 months later with another appraisal, inspection, credit check, etc.

10. HOW MUCH DOES THE NOTE HAVE TO BE FOR?

The minimum is around $100,000 if it\'s under that then it\'s really not worth it for the investor. So a note could be for $100,000, $250,000, $500,000, $800,000, $5 million and everything in between. There are all different kinds of investors looking for all different kinds of note amounts.

11. CAN I SELL MY 2ND LIEN NOTE?

If you have a 2nd lien, where there is a bank or another investor with a more senior lien

against the property, you may be able to sell the note, but the price that you receive won\'t be nearly as high. You generally won\'t be able to sell those types of notes at any sort of decent price unless the buyer has put in at least 30% of his own money as a down payment or in built-up equity and has fantastic credit. Unfortunately investors just aren\'t interested in 2nd lien notes or mortgages right now.

12. IF I OWNER FINANCE WON\'T I ACTIVATE THE DUE-ON-SALE CLAUSE IN MY MORTGAGE. AND IF I\'M ONLY GETTING A SMALL DOWN PAYMENT HOW WILL I PAY THE BANK LOAN BACK?

The Due-on-Sale Clause is a provision in a mortgage or deed of trust that allows the lender to demand immediate payment of the balance of the mortgage if the mortgage holder sells the home. It is probably the most talked about, feared and misunderstood topic in real estate.

The link below is to a great article by real estate lawyer William Bronchick and will dispel any misunderstandings you may have about the due-on-sale and suggest a simple, yet effective strategy to get around it.

There Is No Due-On-Sale Jail

If you\'re thinking about owner financing your home you can also do a simultaneous closing, where a few days after the close of the house with the buyer you receive a check for the note. If you\'re going to owner finance your home and you know you want to sell the note this is a great way of doing it because the investor is there for the process and you don\'t have to start over again 6 months later with another appraisal, inspection, credit check, etc.

13. WILL THE HOME OWNERS HAVE TO REFINANCE?

When an investor purchases your note, all terms remain the same. The only thing that changes is where they send the payment. If fact the borrowers are not contacted until the transaction is complete.

14. HOW DOES THE NOTE SELLING PROCESS WORK?

You\'re interested in finding out about to selling your note. Give me a call or email and I\'ll get some information about the property and note from you. We can do it over the phone or I can email or fax you the form. It\'s an easy 2-page worksheet you can fill out in about 10 minutes. It asks for the loan balance, interest rate, length of loan, and basic information about the property. Then with the information you gave me I look for an investor who is interested in buying your note.

If I find an investor who is interested they take 2 or 3 days to crunch the numbers, assess their risk and see if it\'s a good investment for them. If they are interested they make what is called a soft quote, which is their best offer before having reviewed any supporting documentation, such as the payee\'s credit report and property appraisal. The quote will state something to the effect: \"subject to review of credit - assumes good credit\" but pricing should not change that much unless the property value comes in low or the homeowner has a low credit score or subsequent documentation does not support the information provided on the worksheet.

If you accept their offer you\'ll draw up an option of purchase and sales agreement with the investor. The investor then starts their due-diligence on the property and the homeowners. Just like selling a house -- home inspection, appraisal, credit checks, copies of legal documents, payment history and verification of current balance. This enables the note investor to verify the information provided, analyze the risk, and confirm their pricing of the note.

Once all the T\'s are crossed and I\'s dotted and contracts signed the investor takes control of the note and the title company sends you a check.

About the Author

Craig Meriwether is owner of Kula Investments, a company founded you help you get top dollar for you owner financed real estate loan. www.ioubuyer.com

For a more in depth discussion of owner financed loans please download my free ebook "How To Owner Finance Your Home"

Beware! HUD may prevent Homeowners from providing owner financing to buyers!

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How do you add that "country touch" to a decorating style? Since the "country look" has evolved over the years and taken on a wider variety of characteristics, it can add a special touch to decorating from rural to contemporary. Here are a few ideas to give your home a "touch of country" and retain that feel of tradition.

Add a little extra luxury in your country home decorating such as pampering guests with a serene bedroom furnished with a high-quality mattress and specially-selected cotton sheets that feel good against the skin.

A layered look in fabrics gives a tranquil feel to a room. Country home decorating makes use of patterned fabrics, florals, and stripes as well as eyelet. They complement one another and provide a special touch in any room.

Another idea is to add blue and white checks on cushions and pillows to give that country appearance. Blue denim is also an icon of the country home decorating style. It is a traditional, timeless American classic that gives a relaxed, comfortable feel to a room.

Quilts, quilts, and quilts- what a wonderful way to add that country touch to your décor. There are countless patterns from which to choose that will harmonize with your country decorating idea.

Old and new photographs are an outstanding addition to your country home décor. The space above a staircase is a place to display your photos for your own enjoyment as well as for your family and guests. Make sure the staircase is out of the direct sunlight.

Take time from decorating to relax in a hammock for an hour or two-what a true country experience!

As you can see, these are just a small number of the unlimited ways to add a touch of country to your country home decorating ideas.

For ideas on keeping your home organized, download a free copy of the ebook "The Essential Guide to Organizing Your Home". This ebook has many practical, easy-to-use tips to make home organization a reality. Go to http://www.lynnshomedecor.com/f/Opt-in_Pages.html for your free download.

About the Author

At
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country home decor
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	Attractive heavy duty chrome drip pans will give your stove a beautiful new appearance. Save energy and $$ with Chrome! Replace your drip pans annually and save up to $50 annually, up to $1000 over the lifetime of the range...

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Florida Home

How to Put Your Florida Home Insurance Out to Bid

The Florida home insurance market is still fragmented and confusing to consumers. Despite the legislation of the past two years, it is still difficult to find affordable Florida home insurance - particularly for homes that are close to the coast or those that are older. After the exodus of most national insurance companies, Florida consumers are still faced with a limited number of newer, smaller, Florida based companies to protect their most significant investment.

With all of the uncertainty in this market, what can you do to create competition for your Florida home insurance and save the most money?

For starters, you need to understand that while there are over 450 companies licensed to write homeowners insurance in Florida, only around 40 are actually writing any new business at this time. And of those 40, only a portion of those companies are willing to cover your home. Why? Because each company establishes underwriting guidelines for the type of homes they want to insure. The two most significant factors that companies use to determine whether they want to insure your home is its age and its distance from the Florida coast.

Let's say that there are 25 companies of the 40 out there right now who are willing to cover your Florida home. The best way for you to create the most competition and to get the lowest cost home insurance would be to get a quote from each and every one of them. So how do you do that?

For starters each insurance company offers their insurance through agents that represent them. This results in a fragmented market where consumers like you run a high risk of not getting to all the companies that want to cover your Florida home due to the following:

Companies do not make their insurance available to each and every agent.

Agents do not want to offer insurance from all companies.

Some companies have captive agents that are only allowed to write coverage exclusively for their company.

Some companies sell directly to the public and bypass the agent network completely.

What does all of this mean to you?

If you shop for Florida home insurance by only contacting one insurance agent, you are guaranteed to miss out on many of the companies who want to cover your home. If you only obtain quotes from one agent, you will be limiting the competition for your Florida home insurance business and your chances of overpaying on homeowners insurance will increase dramatically.

You could rely on quote generator websites that ask you to provide sensitive, personal information. You will find some companies using this method, but you will not get to all the companies that want to cover your home. And you many get tons of unwanted phone calls and emails from multiple agents that are all representing the same company.

So what's the best way for you to get quotes from all of the Florida home insurance companies who want to cover your home?

Follow these steps to create the most competition for your Florida homeowners insurance business and you could save thousands:

Utilize Florida insurance agents that are independent - not captive agents that only represent one company.

Work with more than one independent insurance agent. If the first agent doesn't carry some of the companies that want to cover your home, the second agent just might.

Use independent agents that represent a large number of Florida homeowners insurance companies. An agent that has only four companies is too small for you. Look for agents that represent at least 10 companies or more that are actively writing new business.

Last but not least, don't ignore the Florida home insurance companies that sell directly to the public through their own agency. Get quotes from these companies directly either by phone or through their website.

These steps will dramatically increase your chances of getting to all of the companies who want to cover your Florida home. Each additional company that you can get to quote your home results in more competition and can save you thousands on homeowners insurance in Florida.

About the Author

Michael Letcher is a former Bank of America executive and a licensed Certified Public Accountant. His on-line buyers guide will help you find affordable options for home insurance in Florida. Get all the secrets to low cost Florida insurance in his free newsletter at =>
http://www.homeinsurancebuyers.org

Luxury Private Dream Home Spas & Bathrooms Orlando Florida

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	Movie DVD

Beach House

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Vacation Beach House: Top Travel Tips For Renting Caribbean Villas

For a truly home-away-from-home experience and the ultimate in space and privacy, consider a vacation beach house rental during your next trip to the Caribbean or other beach locale as an alternative to booking a room at a crowded tourist hotel. Many hotels provide great accommodations, but nothing beats the spacious and quiet seclusion of a private villa or rental.

Whether seeking a romantic get-a-way or fun in the sun for the whole family, beach vacation rentals provide many options. Below are some factors to help you decide if a vacation beach house might be right for your next holiday.

Vacation Beach House Rental vs. Booking a Hotel Room

At a hotel... even a small one... you are sharing everything with lots of other people... strangers. More people equals more noise and commotion, which may not be as relaxing as you'd hoped. Often you have to set your alarm to get a palapa on the beach or that perfect pool lounger spot. Private vacation rentals often have their own beach and pool reserved for your use only.

True, hotels offer activities and services that you and your family may like, but many private rentals come with things like bicycles, snorkeling gear and games. Spa service will often come to your rental and certainly, you can still partake of all the local attractions.

Of course, it's nice to have a restaurant on the premise like most hotels. However, many people like to keep snacks and drinks in their own fridge, be able to cook some meals or even have a private chef cook for them.

Typically the biggest difference concerns personal space. Private rentals almost always offer more space, privacy, peace and quiet both inside the residence and its surrounding outdoor environment.

Types of Vacation Rentals

Once you decide a beach vacation rental is for you, you'll need to decide what type of property you want. In most tourist locations, you'll find three options: private homes, apartments or condos, and condotels. That last option refers to condos that have been built at hotels and include use of the hotel facilities.

Private homes will usually provide the most room and will cost the most, but that can vary depending on location and the degree of luxury offered by the property.

Amenities

The amenities offered with your vacation beach house rental will vary depending on the property owners. You can expect all to be fully furnished and most provide things like, plates, utensils, coffee makers, blenders, etc., along with maid service. Some properties have private beaches and pools. Some properties even have private maids and chefs and come with the use of a car.

How To Rent The Perfect Vacation Beach House

Start planning your Caribbean vacation by first searching for that perfect beach house rental. You can either go through a direct management firm, which handles multiple properties or through the individual owner.

Unless the individual has been renting the property for a long time, you'll have a more secure and professional experience if you work with a direct management company; however, many owners are very attentive and professional and can give you the most accurate details regarding the property.

Because these properties are booked up quickly, you'll need to schedule your reservations as far in advance as possible. Make sure to ask about the cancellation policy for the property in case something occurs that interferes with your travel plans.

To secure your reservation, you will normally be asked to make a deposit equal to half the rental rate via your credit card with the balance usually due at some point prior to your arrival date. Some properties require a damage deposit in addition to the rental rate that will be returned after you have vacated.

Turks & Caicos: A Great Beach House Destination

Located in the West Indies not far from the Bahamas, the Turks & Caicos Islands as a group are one of the least developed islands in the Caribbean. Providenciales has been discovered with recent growth, yet remains a wonderful vacation destination offering many vacation beach house rentals.

Turks and Caicos villa rentals can even be found on the more secluded sparsely populated islands where you'll find deserted white sand beaches with views of crystal clear turquoise water. That beautiful water is perfect for fishing, scuba diving, snorkeling, swimming with dolphins.

Of course, the beaches are fabulous. Grace Bay on Provo is consistently rated as one of the ten best in the world and many other equally stunning beaches exist on surrounding islands. Hiking, biking, whale and bird-watching, especially the abundant flamingos, are popular activities.

Seasons/Pricing

If you're interested in renting a vacation beach house on the Turks & Caicos Islands, then be aware that the most popular season for travelers is between December and April with the Christmas holiday period representing the peak season.

The best time for beach house rental on the islands is from May to November when the costs are much lower. They range from $1,500 to $16,000 per week during the low season compared to $3,500 to $35,000 per week during the peak season.

Other Caribbean islands are similar, but will vary some. Certainly, there's a wide range of enticing options to choose from, but again... start planning now, book your vacation beach house rental early and get ready for a fun and relaxing get-a-way!

About the Author

Author Ryan Burden loves the beach. Ryan is a self-professed expert beach bum, traveler and publisher of Turks and Caicos Beach Vacation.com a guide for planning all your Turks & Caicos adventures. Like Ryan, maybe YOU would like to turn your passion into online profits. Learn how easy it can be with Websites that Work.

Beach House - Heart of Chambers

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