Archive for November, 2007
Add Your Caption
Posted by admin under: Main Nov 27
“This camera sucks. Dang that Jeff Turner!”
Source: FARK photoshop by chowderhead
Source: Add Your Caption
Second Hand Car Finance Can Be Cheaper When Taken With A Specialist Website
Posted by admin under: Main Nov 27Very few people have the luxury of being able to pay cash for their car even if they have chosen to buy a second hand car and so have to give some thought when it comes to how they are going to get second hand car finance. If you are buying the car from a used car dealer then the dealer will probably try to sway you into taking out the finance from them. However the interest rates when taken this way will probably be more than had you let a specialist website find a loan on your behalf and by taking a loan independently you will have cash in hand so can bargain with the dealer.
A specialist website will take the details from you such as how long you want to take the loan over and then look around on your behalf to find the cheapest rates of interest in the UK car loans marketplace when it comes to second hand car finance. Of course you do have to give a specialist something to work from and one of the biggest decisions in how long you want to take out the loan for, bear in mind that the longer you take out the loan the more interest you will pay but the smaller the monthly loan repayments will be.
Give yourself plenty of time when it comes to looking for a loan, you should not rush into it blindly, even though you are putting your search into the hands of a specialist to find the quotes for the loan in the end it is you that will have to make the choice from the quotes they find for you. You do have to read the small print of any loan you are considering taking on because this is where you will find any hidden costs which can boost up the cost of the loan and the terms and conditions such as any penalties you could have to pay if you pay up the loan early.
Naturally, in order to get the cheapest rates of interest and the best deals there are certain factors which determine this and the number one that all lenders will take into account is your credit rating. Your credit rating will determine how much the interest rate will be on the loan and even if you will be accepted for the loan, so before you even go to a specialist check out your credit rating at one of the major credit reference agencies such as Experian or Equifax.
Once you have determined how long you want to take second hand car finance out for and how much you want to borrow for your car then let a specialist website look around on your behalf and find you the best deals with the lowest rates of interest. You can be sure that you will not find a cheaper rate of interest anywhere else and the quotes will be given to you so that you are able to choose the best for your circumstances.
Louis Rix is a Director of NetCars, one of the UK’s leading motoring websites. First established in January 2000, its mission is to become the number one site for used car searches. NetCars provide car finance and car loans.
Original here
Source: Second Hand Car Finance Can Be Cheaper When Taken With A Specialist Website
Online Car Loans With A Specialist Website Always Work Out Cheaper
Posted by admin under: Main Nov 27Now you have found the car of your dreams all that is left to do is to find the loan of your dreams and ideally this would be a loan that has the lowest interest rate while at the same time offering you the very best deal possible. Although your ideal loan might be just a pipe dream if you have your head in the clouds, online car loans can work out to be the cheapest and come with the lowest rates of interest you could hope to find especially if you go with a specialist website.
A specialist website will be able to gain access to the whole of the car loan marketplace which means that no stone is left unturned when it comes to checking out the top UK lenders for the best deals possible and of course with the lowest interest rates possible for your circumstances.
Your personal circumstances do go a long way to determining how low the rate of interest will be for the loan, all lenders will take into account your credit rating before offering you a loan and this will go towards how much the rate of interest is offered. A good credit rating will secure you the cheapest rates of interest and a low credit rating will mean that you have to pay more as you are seen as a bigger risk. If you have a very low rating then you might need to search for a bad credit loan but again a specialist will be able to help you get the best deal in online car loans.
You will have to decide from the outset how much money you want to borrow and of course how long you wish to take the loan over, the majority of lenders will give loans for anywhere between 1 and 30+ years but you do have to take into account that with the depreciation of cars you could be paying the loan and the car be worth a lot less by the time you have finished repaying. You also to remember that the longer you choose to take the car loan over then the more interest you will pay in total and if you have got your eye on a second hand model then the interest can seriously boost up the total cost of the car. You will have to decide how much you can afford to repay each month and then work out if the car will be worth the total cost, paying a little more each month will keep the total cost down but you have to ensure that you can meet the repayments each month.
Online car loans always work out cheaper than going with high street lenders but you do have to take care when choosing which to take and ensure that you check over the key facts of the loan before signing as this is where you can find additional costs and find out how much in total the borrowing will cost.
Louis Rix is a Director of NetCars, one of the UK’s leading motoring websites. First established in January 2000, its mission is to become the number one site for used car searches. NetCars provide car finance and car loans.
Original here
Source: Online Car Loans With A Specialist Website Always Work Out Cheaper
You Be The Judge: The Case of the Noisy Neighbor
Posted by admin under: Main Nov 27
This is a real case. Decide who should win. (The names have been changed to prevent cheating. )
Mary Smith owns and lives in a condominium unit in a high rise building. The owners of the apartment below her decided to rent their apartment to a young couple, Mr. and Mrs. Noyze. The couple liked to play music after midnight—at full volume. The Noyzes also threw loud parties that ran late into the night. This drove Mary quite contrary because she couldn’t get a good night’s sleep. Mary asked the Noyzes to please lower the music or play it before 11 pm. The Noyzes refused. So Mary asked the super to intervene. He tried talking to the Noyze but to no avail. So Mary started writing letters to the Condominium Board asking for help in stopping the Noyze. After 17 letters, nothing changed except the Board decided to ignore Mary and her annoying letters.
Mary read the Condominium Declaration and Rules and found that loud music or noise was not allowed between 11 pm and 9 am and any nuisance to other owners was not permissible. The Declaration also stated the Board had the right to enforce these rules. So Mary demanded the Board enforce the rules. The Board wrote a letter to the owner of the apartment who had rented to the Noyze and demanded the owner get them to quiet down. No luck. The Board took no further action on Mary’s behalf.
Mary decided to tell it to the judge and sued the Board for damages for failing to enforce the condo rules, as stated in the Declaration. The Board said it was not their problem and not their responsibility to fix– if Mary didn’t like it, she could just move out.
OK, you be the judge. Who wins the case?
Tune into later this week to read how the case was actually decided.
Technorati Tags: real estate law, condominium, noise, nuisance, law case
Source: You Be The Judge: The Case of the Noisy Neighbor
Payday Loan Qualifications – Easy To Meet
Posted by admin under: Main Nov 26Payday loan qualifications are the easiest to meet among all kinds of loans. Unlike any other loan, chances of rejection of your loan application are almost negligible. These loans are designed to help salaried individual so that they can handle short-term financial troubles deftly. Lending institutes offering this kind of loan do not impose harsh qualifying requirements. That is why more or less every salaried person is entitled to qualify for these loans.
Stable Source Of Income
First and foremost payday loan qualification is that you should have a stable source of monthly income. There may be variations in the mode of implementation but every lender makes it imperative that you meet this particular criterion. For example, some companies may require a minimum monthly income of $ 800 while others may not settle for less than $ 1200.
Similarly, some companies ask you to fax your pay stubs and bank statements. You can skip this step, if you choose a faxless payday loan lender. You can also qualify like any other salaried individual, If you are getting pension or a monthly check from social security.
Valid Checking Account
You should also have a valid checking account to get approval for these cash advances. Here again you will find dissimilarity in the approach adopted by different lenders. A few of them may want to make it sure whether you have any outstanding checks on the account or not. Several of these lending companies require that account should be in existence for more than four months.
Not For Kids
Definitely, these loans are not intended for you if you are below 18 years. You are not going to get approval even if your parents co-sign for you. Having a valid checking account itself is an evidence that you have completed 18 years. Moreover, you are also asked to submit some of your personal information. It may include some additional information along with your name, address and contact numbers.
Then, there are some payday loan qualifications imposed by specific lenders. For example, a lender may deny approval if you have already borrowed from any other payday loan company. Some lending institutes have reservations about free lance workers. Moreover, state’s lending laws also affect these loans to some extent. Therefore, it is always better to go through the lender’s terms before submitting your application.
Rishabh Sogani has been writing articles on various topics for more than two years. You can get your FREE copy of Payday Loan Ebook and see more of Rishabh’s articles on payday loans on his website at Easy Payday Loans located at http://easypaydayloans.googlepages.com/
Original here
Source: Payday Loan Qualifications – Easy To Meet
Use of Impact Fees Rankles Home Buyers
Posted by admin under: Main Nov 26
Impact fees are popping up in a rapidly expanding number of cash-poor U.S. municipalities scrounging for new revenue sources while federal funding for local infrastructure has become more difficult to obtain. The one-time fees, imposed on builders and often folded into home prices and passed on to buyers, are used by cities to fund construction of infrastructure such as roads, sidewalks, parks and even fire stations for rapidly growing neighborhoods. A 2006 Kansas State University survey found that 39% of the 292 U.S. cities responding imposed impact fees on new construction last year, up from 25% in 2002. Property-rights advocates decry impact fees and other so-called exactions — requirements to donate land or make concessions to gain a government permit — as a means for local governments to avoid unpopular tax increases for all residents by singling out new arrivals to pay for city projects.
Impact fees, Property-rights advocates
Source: Use of Impact Fees Rankles Home Buyers
The Temple of Damanhur – Italy’s Eighth Wonder of The World
Posted by admin under: Main Nov 26It is truly amazing what the combination of passion, privacy, and keeping the government out of the equation can produce. An Italian man had visions when he was 10 years old. Over the next 40 years he took these visions and brought them to reality in what is called the Temple of Damahur. A complex of tunnels and amazing rooms in the hills outside of Turin were created by Oberto Airaudi with only a few friends knowing about it.
Follow this link to see more pictures but it is truly amazing what has been created over the lifetime of 1 man.
Here, 100ft down and hidden from public view, lies an astonishing secret – one that has drawn comparisons with the fabled city of Atlantis and has been dubbed ‘the Eighth Wonder of the World’ by the Italian government.
For weaving their way underneath the hillside are nine ornate temples, on five levels, whose scale and opulence take the breath away.
Constructed like a three-dimensional book, narrating the history of humanity, they are linked by hundreds of metres of richly decorated tunnels and occupy almost 300,000 cubic feet – Big Ben is 15,000 cubic feet. the Daily Mail
Hat-tip Instapundit
Source: The Temple of Damanhur – Italy’s Eighth Wonder of The World
Moon Real Estate for Sale
Posted by admin under: Main Nov 26
Looking for the perfect holiday gift? Give that special someone something out of this world– a piece of the moon. The Lunar Embassy will sell you an acre of “Prime View” land on the moon for just $19.99 (plus $1.51 lunar tax and $12.50 document shipping). You’ll get a Lunar Deed and Map showing the latitude and longitude of your plot on the heavenly body. (Hope it’s not on the dark side)
The man behind this spacey real estate marketing effort, and Head Cheese of the Lunar Embassy, is Dennis Hope. Dennis claims he found a loophole in the 1967 United Nations Outer Space Treaty– it precludes nations from claiming sovereignty over land on the moon (and other celestial bodies)– BUT not individuals, says Hope. Law professors have tried to shatter Hope’s hopes– but Hope remains hopeful:
I own about 95 different planetary bodies,” he says. “The total amount of property I currently own is about 7 trillion acres. The value of that property is about $100 trillion. And that doesn’t even include mineral rights.
Now, this is all very amusing and reminds me of the star buying operation, but Mr. Hope is no lunartic lunatic. He has reportedly sold, get this, $9 million worth of lunar land, since he opened his online real estate shop back in 1980. Some buyers are said to include celebrities George Lucas and Barbara Walters.
Have some fun with your clients and buy them a piece of the moon for Christmas (or other holiday of your choice). Buy your plot here. Spend some quality weightless time there after the holidays and book your authorized moon flight now.
An unzillowable view from your bedroom window awaits you:
Sources: DiscoverMagazine.com, MoonShop.com. Lunar Embassy (World Headquarters)
Related Posts:
Sellsius Exclusive: Trump Lands on Moon.
Space Hotel Launch Delayed.
Source: Moon Real Estate for Sale
Outer Banks Real Estate Market – Who’s to blame?
Posted by admin under: Main Nov 26
There seems to be a lot of finger pointing going on in the Real Estate world today. People want someone to blame for the current market conditions.
Mary Umberger from the Chicago Tribune covered the National Association of Realtors conference held in Las Vegas in mid November. I found a couple of interesting quotes from Lawrence Yun – the Chief Economist for National Association of Realtors.
"Given pent-up demand and historically low mortgage rates, it’s a fairly easy call, from my point of view, that we are in a market recovery," he said.
That is an interesting set of data used to determine that we are in a market recovery. The second quote really caught my eye.
Yun said that the housing meltdown resulted from a "period of greed" and blamed mortgage lenders looking for big commissions, global investors seeking "juicy returns" and bond-ratings agencies turning a blind eye to risk.
Mortgage Lenders are the reason for the housing slump? Are you kidding me? There are bad lenders out there but I don’t think they can accept the lion’s share of blame for the current market.
Another theme I have heard lately is to blame the media. "The media just won’t let this story die" or "The media is hurting our market". Inman News published an article that I think puts things in proper perspective. This quote says it all:
Another reader, Michael Blomquist, says there is a difference between negativity and "realistic projections":
"Real estate has been hurt by spin, but irrational exuberance has been much more damaging than negativity could ever be. I for one am tired of the attacks by those who don’t know the difference between ignorance and optimism. Too many ‘optimists’ view ‘realistic’ projections as negativity and try to discredit those with opposing views," he wrote.
I believe irrational exuberance from all parities involved is to blame for the current market conditions. Trying to put a positive spin to cover up the facts will not help any market recover. Consumers want facts – not fluff.
The Outer Banks Real Estate Market has been hurt by the slowdown more than the surrounding markets. We rely heavily on the investors and second / vacation home buyers and they stopped the frantic pace of purchasing property in the Fall of 2005.
That being said, I think a legitimate argument can be made that the Outer Banks Real Estate Market might be one of the quickest to recover. With above average reduction in pricing, low interest rates and some very motivated sellers – we might be in for an early spring.
Source: Outer Banks Real Estate Market – Who’s to blame?
Deal of the day…
Posted by admin under: Main Nov 26I wanted to start something new on this real estate blog. From time to time I search the MLS that I am a member of (WARDEX) and find what I consider to be a ‘good deal’. Now what I may consider to be the best deal may not be to someone else… what I plan on passing along is very subjective.
I’m also feeling a bit feisty these days as well. I am going to set up a link to the listing that I am considering the best ‘deal of the day’ today. There are many rules and regulations that a member of an MLS must follow and often they are complicated and even stupid. What I am about to do is advertise a listing… yeah, I know that doesn’t sound like a big deal but… it is NOT my listing or my brokers listing. My actions could be considered a breach of conduct in the MLS ranks, but I’m willing to risk it today.
Let me set this up and include some disclosures and disclaimers. Today’s edition of ‘deal of the day’ is for what I consider the best deal in the subdivision known as Walleck Ranch right here in Kingman. I happen to live in Walleck Ranch. I have an active listing in Walleck Ranch. According to the MLS today, there are 18 single family homes for sale with a price range of $185,000 to $345,777.
Click here to see the ‘deal of the day’.
Closely consider the lot size for a moment as it is over 11,000 square feet. That is known as a premium lot in Walleck Ranch. My personal lot on my home also sits on a premium lot and my lot square footage is only 8,800 square feet in size in comparison. Click on the photos of the home from the link and notice that the interior looks to be in good shape. I have not seen this home other than from the outside front view.
The most recent sale of a home near this size (most comparable) was sold in October for $270,000 (the exact figure may be a few hundred dollars off). The asking price on the ‘deal of the day’ equals $109 a square foot and that figure marks the lowest price per square foot in Walleck Ranch for any listing that appears in the MLS at this time.
I do heavily consider this listing to be the best ‘deal of the day’ because of price and availability.
I have not asked the listing broker or agent for permission to advertise this listing and you will notice on the link that my information is plastered all over the place. So I am making the disclosure on the listing broker and agent right here.
MLS# 804846
Listed by Eagle Realty (928) 718-0800
Agent’s: Wayne Wissenger and Lana Johnson
I have no intention of collecting any associated real estate fees in a successful transaction for this particular listing unless I have an agreement with a qualified buyer who hires me to represent the buying client in a successful transaction for purchase of this home.
I think the above will be the disclaimer if I continue with the ‘deal of the day’ theme. Don’t be shy, if you want me to investigate other subdivisions for a different installment of ‘deal of the day’ then leave a comment or email me.
Source: Deal of the day…