Ice cream is one of those snacks that feel good in the mouth no matter what time of year it is. It will cool you on a hot summer day, comfort you in the cold winter and you can enjoy as much of it as you want in the spring and autumn. Regardless of the type, slimming or fattening, this dessert is delightful in the mouth.The trend in many homes today is making their own delicious ice cream or other desserts to complement the meals being served for dinner. Owning an home maker is exciting and liberating. There are some things you must consider before buying home ice cream makers:How often do you eat ice cream?
If you do not eat that much, home ice cream makers will only serve to enhance the décor of your kitchen. Be honest when faced with the decision to buy or not to buy. Are you buying it because all your friends are buying? If however you or your kids are an addict, by all means get one. Whipping huge amounts of it will be cheaper than buying. Only be ready to dedicate some hours to preparing the ingredients, if you are using a manual maker. An electric one works faster and is a better option if you are short of time.Is there enough space in your kitchen for this home maker?
Unless you will be making this delicious dessert for a couple of people only, small home ice cream makers will not be of much help. If you will be whipping up for lots of people, then you need a bigger machine with a much higher capacity. If your kitchen is squeezed, you may have to look for another room in the house with more space, where your machine can fit. This is something you must determine before making your purchase, otherwise you won’t have a place to store it when you bring it to your squeezed home.Other things you must put into consideration when you shopping for this home maker are price and availability of ingredients. The two are dependent upon your budget. Keep searching until you find a good quality machine whose price fits within your budget range. Be sure also that you can get the ingredients needed to make a variety of flavors locally and at a cheap price. This way you get to save more.
A good number of people are interested in buying homes for sale by owner or FSBO homes. Buying these types of properties are sometimes inevitable because of the agent’s unwillingness to do negotiations with owners. Let’s take a look at the different pros and cons of buying homes for sale by owner that you need to keep in mind before you decide to do so.More Profit From Negotiation Without The Presence Of A Buyer’s AgentThe process buying a FSBO house usually involves negotiating without any help from a buyer’s agent. This can really be advantageous for the buyer since the buyer’s agent will charge him a commission. The agent will be paid a certain percentage of the sale price of the property as a commission. Aside from this, the buyer’s agent will also be entitled to get a percentage of the difference between the listed price and the purchase price. Moreover, hourly fees as well as promotional expenses add up to the tab.It’s important to take note that the buyer’s agent won’t gain any benefit from getting the buyer the best deal because the commission that he’s going to get will be based on the purchase price. Because of this, the agent may be tempted to forget the best interests of the buyer. A good advantage of having a buyer’s agent on the other hand is that this real estate professional can help market the buyer as someone who’s serious about buying a property while helping him handle paperwork and other important legalities. A good agent will appraise the property and will try really hard to get the best deal for the buyer without thinking about loss of commission.Advantages And Disadvantages Of Negotiating With An OwnerDoing direct negotiations with an owner can be really advantageous since the seller’s agent won’t be present in the scene. This decreases the chances of the price of the property from increasing because of the agent’s attempt to gain more commission. Through this, the buyer can expect that he’s going to spot a lot of cheap properties for sale. However, there’s a danger of the owner not being reasonable enough and him overestimating the value of his property. Because of this, negotiations can become harder and the buyer may be forced to reconsider his offer.It is evident that buying FSBO homes involve quite a number of challenges for people who are aspiring homeowners. The seller, on the other hand, also needs to handle the task of marketing his property without the help of an agent. This is why FSBO homes are advised to people who are confident about buying properties without any help from an agent.
Completing a future home improvement project while saving money takes an inordinate amount of planning. So when is the best time of the year to tackle those home projects that will ensure you save money while in the process of improving your home and biggest investment in your life?What’s the Best Time of Year to Buy Home Improvement Products?Generally the best time of year to stock up on home improvement products is during holidays. Retailers try to capitalize on the increased foot track with appealing discounts. If you can plan far enough ahead you can save thousands of dollars on large-scale projects. Next, when the season’s change, you will find mark downs as stores clear out the old merchandise to make room for the next seasons products. Know your wheelbarrow needs to be replaced? Make it last through the summer and you can save up to 25-50% by buying one in September.Discontinued patterns can also be snagged at a large discount. Not sold on any particular pattern? Ask your local tile store where the discontinued tile is. Just be sure to buy a few extra to ensure you can make it through your project taking into account possible breakage, plan on 2-3%.Purchase a product for your home renovation December-March to take advantage of the typical slow time for renovation sales. Come fall, contractors are completely booked as people return from vacations and try to prepare their home for the upcoming holiday season.Looking to Upgrade Your Home Décor?The best time to shop for new décor is during July when discounts are generally 25-50% off due to the early summer peak wedding season. Retailers offer bargains to attract wedding registrants and guests alike. Linens on the other hand are cheapest in January when “white sales” can net you up to 60% off. Plus new bedroom sheets are a great way to give a room a fresh look for a small investment. April and may are great times to buy cookware as stores try to capitalize on sales to new graduates. Additionally, October and November are great times as stores run sales in hopes of capturing buyers gearing up for their holiday festivities.Beat the Heat on your Wallet by Tackling Projects in the Summer!The best paint bargains can be found during those times of the year that people don’t want to be outside in the heat painting. Those are the summer months of June through August. If you’re planning any fall renovations or hosting people over the holidays, buy paint in the summer for the best deal. Additionally buying your garden items at the end of summer can save you a substantial amount of money as Garden Centers clear out summer inventory in September, generally offer 30-50% discounts.Hardware – Father’s Day is a great time to shop for new hardware. Stores regularly mark down prices to take advantage of all the manly shopping. Thanksgiving and Christmas are also good times to buy because retailers have sales to clear out merchandise.How about Inside the Home?Start the year by scouring for deals when special financing is available to help after your increased holiday spending. Window treatments from blinds and shutters to drapes and shades are an easy way to spruce up your look. Now we better spruce up those floors and waiting until the end of the year in late November and December will secure your bargain flooring finds when retailers slash prices to close out the year.If you take the time to plan out your home projects with your calendar year you can save a substantial amount of money in your home repairs, both inside and out. Don’t forget to remain flexible in your search for the best deals. Be ready to choose a different patter, style, or color and you can net even more savings. Plus if you spot a good deal but don’t yet have the project planned, consider investing now to save for your future renovation. Happy home improvement season!
If you want to sell your house fast then the foremost thing that you must do is look for a company who buys homes. These firms have cash in hand and can directly buy your house. In a couple of days your sale can be put to close and you can receive the correct amount of money for your home. Therefore, it does not matter which situation you are in because if you need to sell your property then this will be properly the ideal option for you. By getting instant cash in exchange for your house you can get your life back on track and start anew.An organization who buys homes does it without taking into consideration the situation it is in. Hence, whether you possess an ideal house or the one which requires renovation it really does not matter as you can buy it anyhow. With the correct firm you will not have to pay any commissions or go through any hassles of negotiations. These firms will solve all your issues. They generally possess the required monetary potency and flexibility which aid them in placing an offer in a short time.It will be possible for you to get a firm and fair deal that is competitive. With this kind of a firm you can be certain that your house will not stay in market for very long. The transaction can be brought to a close fast without any hassle. You should select a firm that comes with a proper track record which you can depend totally. With the exact firm you will find that it has the authority to sell your house quickly and directly.Selling a house quickly is not a very difficult affair as long as you contact the right company. You have a busy life and with the right firm you can simply remove the hassles, of paper work and negotiations. The house buying firm you opt for will manage all your dealings from beginning to the end. So, without any further hassle you should look for a company which purchases houses fast without any type of difficulty. Once, you decide to sell the home it would be ideal if you can find a cash buyer who can close the deal immediately. A cash buyer will charge the home value and make the deal by making the payment in cash.Cash property buyers can make straight deals and there is no hassle of hidden charges. This is the perfect solution for those who desire to sell house within a short time span. With a genuine company you can have sell home cash opportunity that ensures fair dealing and good price for your home. By selling your house you can be relieved and have complete peace of mind.
Over the past few years, the rent-to-buy home deals have enjoyed a steady rise in popularity due to the growing property prices and the ever tougher mortgage requirements. They are designed to help you purchase a house after a period of renting. There are no special requirements to enter into such a deal and the terms and conditions are quite flexible. Find out when this strategy is an effective option.Bad CreditIf you currently have bad credit, you will find it extremely difficult to secure a home loan. Even if you get approved, you can expect to pay a much higher mortgage rate. With a rent-to-buy home deal, you can have your dream home right away. You agree to a rental term after which you will have the opportunity to purchase the house at the initially set price, which cannot be changed.A chunk of the rent will go towards building equity in the property. That way, you will have several years, typically between three and five, to repair your credit and to apply for a mortgage. Since your contributions will be discounted from the price, you will have even higher chances of getting a loan due to its smaller size.Foreclosure and BankruptcyIf you have gone through foreclosure or bankruptcy, you will have to wait for a year or two before you can apply for a mortgage and purchase a house again. You can use this time to build equity in the property that you want to purchase via a rent-to-buy deal. That way, you will have better chances of approval when you apply for a home loan eventually.Insufficient SavingsAt present, most mortgage lenders require house buyers to place a deposit equal to some 20% of the value of the property. This is quite a lot of money especially for young families with a lot of expenses. If you do not have sufficient savings, but you have saved a considerable amount of money, you can go for a rent-to-own deal. This will enable you to secure a home loan at a later date. Just keep in mind that the deposit which you make as part of such a deal cannot be refunded so you will have to make serious commitment.No Stable EmploymentMost lenders will reject your mortgage applications if you have changed jobs frequently over the past two years. If you plan to settle in and to stay on your current job for a longer period of time, you can readily use the rent-to-own option. When the time for making a mortgage application comes, you will have the employment stability required by the lender.You can have your dream home with a rent-to-buy deal.
We are going to focus on buying homes from Sheriff Auctions only for this article. Basically, the way a sheriff’s sale works is that a home is foreclosed on by a lender usually due to a lack of the homeowner being able to make the necessary mortgage payments. Once the home is foreclosed upon, the home goes to Sheriff’s Sale (this could happen quickly or it could take awhile to get to this point). At Sheriff’s Sale most lenders have a representative go in and bid on the homes to make sure that the homes do not sell for too cheap.They have a figure in mind that they know they must sell the home for and the bank representative will bid on the home up to that amount if necessary. If the bank buys the home back, they will usually hire a realty company to sell the home for them. If you are the successful winning bidder, then you have to pay 10% down immediately via cash or certified funds. You then have 7 days to pay the remaining balance off without incurring any interest. If you can not pay it off in 7 days, you have 30 days to pay the remaining balance off, with interest. If you are not able to pay the remaining balance off within 30 days, you can request an extension which is not always granted or be held in contempt of court, subject to fines and loss of your 10% earnest money deposit.Obtaining financing on a home sold via sheriff’s auction can often times be very difficult to do. Even if you are the winning bidder, you can not access the home until you have paid the remaining winning bid off in full. Most lenders are going to want a full interior/exterior appraisal done on the home and if you can not get into the home and the appraiser can not get into the home, then a full appraisal can to be done and that will be reason for immediate loan denial with most mortgage lenders. Many times foreclosed homes are run down and in need of serious repairs. Depending on what is wrong and how much the repair work is, this may be reason for immediate loan denial if the repair work can not be done before closing. Which, it obviously can not be done before closing since it is a bank owned home being sold at sheriffs sales and not through a traditional seller. Buying foreclosed homes through a sheriff sale is much easier and more recommended to do if you have the cash to buy the home(s) outright and you do not require financing.While buying foreclosed homes can be a very lucrative business endeavor, it can also be a very risky one too. Buying homes from sheriff auction can help you to buy a home for under market value, but in most areas the bidding on these properties begins at two thirds of their appraised value. Therefore, you are most likely not going to get any ridiculously good deals at a sheriff’s auction, but you can get some very good deals if you are patient enough and you do enough research on the properties before the auction. Remember you can not get into the home before you buy it, unless you stop by the house and the former homeowners are still living there, in which case you would need to ask them for their permission to walk through the home that they just had foreclosed on. This is usually not a recommended idea as some homeowners have very bitter feelings about losing their homes.Buying foreclosed homes is not a get rich overnight way to make money. Just like most other business ventures, it takes time patience, hard work and a lot of effort to be successful at it. There are other ways to buy foreclosed homes as well, but we will save those for another article. See the link below for more information about buying foreclosed homes: http://www.nomoneydown123.com/Ohio/buying_foreclosed_homes.htm
With a little knowledge and some prior research it is quite possible to buy homes with tax liens for as little as 10-50 cents on the dollar.In certain states, tax lien holders can force the lien property into foreclosure. These properties are then auctioned off at tax deed sales. Typically, a canny investor can acquire property at these sales at much lower prices than traditional real estate auctions where prices will usually make over 60 cents on the dollar.These states are called Tax Deed States. In a deed state:* The investor actually acquires title to the property* No interest rate or redemption period is involved since the investor received the property itself.So what type of properties end up at these sales? Surely they must be run down places in bad neighborhoods right?Wrong. Certainly, out of the many lien-outstanding homes there will be some undesirable examples in rough parts of town but there will also be plenty of perfectly nice, habitable properties going for a song.Do not assume that it is only poor homes where people allow their property taxes to lapse and get into a foreclosure situation. You would be amazed at some of the people and places who end up losing their homes in this way and there are many extremely valuable lots selling at tax deed sales in every state.My best guess is that most of these people simply miss the payment deadline. I have known of famous and wealthy people that have been foreclosed on. Often these people have no experience in the financial world and employ a financial company to manage their affairs. Maybe the management company missed an invoice or never received it in the first place?In the case of developers and real estate companies sometimes they will intentionally hold off on paying their property taxes so that they become the buyers responsibility on closing. They see it as a kind of short-term loan. This tactic can go badly wrong if an absent minded secretary misplaces an invoice!Obviously, the nicer the property the higher the price it will make at auction, but even with a relatively small budget it is possible to buy real estate at tax deed sales.* All properties (other than Native American Reservations) incur property taxes. These pay for local and municipal services like Police, Fire Protection, Libraries and Roads.* Tax Liens can be found on a wide variety of properties. From small homes to luxury homes, condos to vacant lots. Commercial lots to warehouses and even entire shopping malls. At any given tax deed sale you will find real estate that once belonged to well known companies, celebrities and even federal organizations.* Lien amounts range from $100 to over $1 million.
In the Miami-Dade metropolitan area, a quaint seaside community is proud of its hometown traditions, and still manages to offer tourists and visitors a really nice place to visit.The town of Surfside is a wonderful, closely-knit oceanfront community located in Miami-Dade County, situated between Miami Beach and North Miami Beach. The area has a total population of only 5,600,and has the perfect mix of a tranquil, attractive and truly livable residential and shopping community.Tranquil Neighborhood Offers Many Residential DevelopmentsThe city’s real estate ranges from a serene waterfront neighborhood which combines small and large-scale homes to upscale, luxury oceanfront condos. The town has its own home town shopping district as well as sprinkling of shops, restaurants, hotels, motels and resorts. Its residents vary from tourists and other year-round visitors, to its own loyal locals who shop, work and play in this beautiful community.The Town Has An Effective Zoning And Land Use OrdinanceThe efficiency and effectiveness of the town’s public services is highly rated by residents and out-of-towners. The community’s sanitation services are considered to be one of the very best in the nation. Garbage and trash is collected from all residences, businesses, and public areas around six days a week, and the police response time is placed at just around one minute. The town has entertainment and recreation programs which are regularly offered.The town operates on a balanced budget, and the property tax rate has not been increased one bit for over a decade. This setting has produced pride in the community’s record of positive results and achievement in the public interest. The town’s officials have also implemented zoning and land use policies that are intended, and have actually protected the character of the community, and avoid the hazards associated with over development and pollution.On building ordinances, the city’s officials have not granted even a single height or density variance during their tenure, and in addition to effective growth management and zoning policies, the town’s officials have also enacted stricter traffic control measures that aim to provide higher levels of stability and order to residents and town visitors as well.How Real Estate Prices Figure HereReal estate prices in this town have seen a slight drop, and it’s obvious by looking at the lowest priced home listings at $449,000, as well as seeing two home sales falling below that.However, despite the slow home buying market, Surfside’s proximity to the ocean make it a wonderful location to live in, along with having a pleasing community atmosphere. The oceanfront condos on sale here are not getting hit as hard by the down-market though, but with no sales in January, housing market observers note that it may be the perfect time to get a waterfront home or condo right on the beach and be close to the warm sand and feel the ocean breeze.With the available homes being sold here quite close to the ocean, you should expect homeowners here to visit the beach often, since everyone lives just a few blocks away. You’ll regularly see people strolling towards the ocean with their children, while others would sit on their beach chairs, and most would take a quick swim on the waters of the Bay.http://miamirealestateinc.com – Florida Real Estate
It is been said that ‘We are the choices we make’. When buying cover for your UK home, it is making the right decisions that is of the utmost importance! This will allow you to buy the right amount of cover, at the right price.Here are some tips to help you avoid many of common mistakes that people often make when searching for UK home owner’s cover:1. Never assume that your current premiums are the lowest: They might be and they might not be. There are few things in life that remain constant and the price of insurance premiums is not one of them. Yes, perhaps your premium was the lowest one available when you took out your policy or renewed it. But the situation may have changed! So before renewing your home owner’s cover, do some shopping to verify that it is the best deal on the planet.2. Never fail to read the fine print: This is particularly true with advertised promotions. If one seems too-good-to-be-true, then it probably is! Make sure to read the fine print, to verify that the promotion is applicable to you. While it is logical for companies to advertise their lowest premiums, they might not be applicable to you!3. Never take out cover equaling the market value of your home: At first, that might seem like a logical step to take considering that your house could be devastated during a fire or other disaster. It is not. If your entire house were destroyed, then you’d probably need to have it demolished and rebuilt. But keep in mind that you will not need to replace the land! So the cover that you will need when taking out home insurance should be somewhat less than the market value of your home and lot.4. Never get the wrong amount of contents cover: When taking out a home insurance policy, it is highly advisable to take out contents insurance as well. But there is more! It is also crucial that you take out the right amount of cover. So consider hiring a professional to estimate the value of your home’s contents. Verify that he or she methodically evaluates the contents of each room in the house. Of particular importance are high-value items, such as collectibles and antiques. If their values aren’t estimated precisely, you might not purchase enough cover for your home!5. Never forget to factor in fees and charges: When comparing insurance from different companies, it is crucial that you factor in a company’s various fees and charges. These costs can add up quickly! Even if the premiums of a particular company seem low, the bottom line could change after fees and charges are added. If you have any questions about the fees and charges in a company’s written price quote, then ask. And if the response you get seems intentionally ambiguous, then shop elsewhere.When you need home insurance for your home, avoiding the wrong steps is just as crucial as taking the right ones. These tips will help you to evade such common yet crucial blunders. Your home is already perfect, so it deserves to be insured perfectly.
It is time to change the reasons for buying a home – you may want to evaluate other situations including ‘Are the fundamentals of this location good including schools, crime-rate, access to freeway, access to community and cultural activities and Weather’.Gone are those days where you thought – I only have 200k and I need a 4bedroom, 3 bath – for this price, this is the city I can buy and live. You now have the most opportunity window anybody could get and probably a wide and confusing set of choices in front of you. I recently spoke to a realtor company who helps their clients buy investment properties and they are seeing a rise in the ‘sellers’ and several great locations are coming on sale.Our advise to you: Hold on to your wallet and watch and wait before you jump in. Newer factors play in now and depending on your needs, ask and choose the best out there :a. Good schools in all levelsb. Good Weatherc. Nearby brand name companies and their growth trackd. Cultural activitiese. Crime ratef. Safe and open spaceg. Access to highwayh. Newer Mallsi. Health care access and proximity to brand name hospitalsj. Access to home improvement storesk. Parks and playgroundsl. County Librares and free community services.Lastly, Friendly neighbors.You can find this article and several such blogs written by home owners who show-off their home at http://www.likepoint.com. Remember, at LIkePoint, you can upload photos to create Sldeshows of your home, house parties, bathroom, kitchen, bedroom and talk just about anything.