By Michael Branson
Since first offering reverse mortgages, I've often been asked, How do I/we know if a reverse mortgage is right for me/us? This is a question that has a different answer for different people. I always start with the same first response, The first thing I would recommend is that you seek the guidance of a qualified financial advisor. After having given that advice, I am only too happy to go through the circumstances for the individual borrowers and give them their options.
A reverse mortgage is not an inexpensive loan. The loan fees are based on the maximum credit limit for the HUD lending area for the government Home Equity Conversion Mortgage (HECM). The loan also has an up-front mortgage insurance fee of 2% of the maximum lending limit which also increases the costs. Add to these the normal costs such as appraisal, escrow, title fees, etc., and it's not uncommon for the costs to get up to $17,000 or slightly more in some of the higher HUD lending areas.
While the costs seem high, the insurance on this loan are more for borrower protection than any other loan the government insures. This insurance protects the borrowers in two ways. Firstly, if a lender ever goes out of business or fails to pay a borrower in a timely manner for any reason, HUD steps in and makes certain that the borrower receives a steady stream of payments. As you read about lenders going out of business, with a HUD insured loan, you never have to worry about whether or not your payments will be made to you. Also, HUD will insure that the borrower will never owe more than the property is worth regardless of how much money the borrower receives over the years, how much interest accrues, or what property values do in the future. Everyone hopes that values will continue to go up, but if the values should fall, the senior borrower and their heirs will never owe more than the property is worth.
So now that you know what the costs are, how can you decide if you should go ahead with the reverse mortgage? If you're a senior homeowner, ask yourself the following questions:
Do you find yourself short of funds every month?
Do you wish you had money to repair your home but don't and can't borrow and make payments?
Are there rising medical costs you can't quite cover and your insurance doesn't cover them either?
Are you making a monthly payment that is keeping you from being able to live your life as you would like?
Do you wish you could travel, or help a loved one through their education but you just don't have the funds in the bank to do so?
If you answered yes to any of the questions above, it may be time for you to put your equity to work for you with a reverse mortgage!
Michael G. Branson (CEO All Reverse Mortgage Company)is a Mortgage Broker who has over 31 years of mortgage banking experience. Toll Free (888) 801-2762
Click Here to visit our HomepageClick Here to watch the Reverse Mortgage Benefit Video
Article Source: http://EzineArticles.com/?expert=Michael_Branson
What Does The Lender Need To Know On A Reverse Mortgage?
ป้ายกำกับ: Mortgage Refinace
By Michael Branson
You've made the decision to get a reverse mortgage and you've heard that there is no income or credit qualifying so you think you will have no issues getting your loan. All you have to do is get your counseling, sign all the paperwork and you're set, right? Not exactly. There are some things you need to know about the programs that could keep you from qualifying, or your property from qualifying and sometimes these items are overlooked by loan officers and prequalification systems.
Firstly, there are no minimum credit score requirements, but you can't currently be going through bankruptcy proceedings and if you are still paying on a bankruptcy repayment schedule, then you may be required to have a minimum number of months paid in a timely manner. If you are on a schedule, then you need to let your lender know. The reverse mortgage programs I have worked with will not allow you to be delinquent on a federal obligation. If you have co-signed for a family member who has delinquent government-insured student loans, that could keep your reverse mortgage from being approved. Foreclosures do not mean an automatic denial under most reverse mortgage programs, provided that the property has not already gone to sale.
The next thing that escapes many prequalification systems is your property type. Condominiums are acceptable, but the project has to meet certain criteria. For instance, if you are applying for the government HECM loan, the lender checks an approval list and if your project is on it, no problem. If it is not there, they can apply for a spot approval for your loan. If the project has been rejected, your project is not eligible for the government program and chances are whatever made it ineligible for that program may also render it ineligible for other programs.
The project typically cannot be mainly rentals, they must be 51% or more of the units occupied by the unit owners. Manufactured homes built after June 15, 1976 are acceptable for the government HECM program provided they are on a permanent foundation, are taxed as real property and the Manufacturer would have had to obtained HUD tags when the home was built and those tags still have to be available for the appraiser to view at the time of appraisal. Single family residences in commercial or agricultural zoned areas, properties with excess acreage, or unique properties could also render a property ineligible for a reverse mortgage.
With senior borrowers, many times you have title issues to keep in mind as well. Trusts, conservatorships, powers of attorney, all are fine as long as they are done so that they meet reverse mortgage requirements. If you have any of these instruments, let your reverse mortgage originator know right away so that he or she can have them reviewed for acceptance. Also, when you have lived in your property for 20-50 years, there are any number of things that can come up on the title that may need to be resolved. If you are aware of any title issues (liens from lawsuits, back taxes, work that needed to be done), again, let your originator know as soon as possible so that those issues can be resolved before they delay your loan. Better to find out about all potential issues before costs are incurred or a lot of time is spent.
Michael G. Branson (CEO All Reverse Mortgage Company)is a Mortgage Broker who has over 31 years of mortgage banking experience. Toll Free (888) 801-2762
Click Here to visit our HomepageClick Here to watch the Reverse Mortgage Benefit Video
Article Source: http://EzineArticles.com/?expert=Michael_Branson
You've made the decision to get a reverse mortgage and you've heard that there is no income or credit qualifying so you think you will have no issues getting your loan. All you have to do is get your counseling, sign all the paperwork and you're set, right? Not exactly. There are some things you need to know about the programs that could keep you from qualifying, or your property from qualifying and sometimes these items are overlooked by loan officers and prequalification systems.
Firstly, there are no minimum credit score requirements, but you can't currently be going through bankruptcy proceedings and if you are still paying on a bankruptcy repayment schedule, then you may be required to have a minimum number of months paid in a timely manner. If you are on a schedule, then you need to let your lender know. The reverse mortgage programs I have worked with will not allow you to be delinquent on a federal obligation. If you have co-signed for a family member who has delinquent government-insured student loans, that could keep your reverse mortgage from being approved. Foreclosures do not mean an automatic denial under most reverse mortgage programs, provided that the property has not already gone to sale.
The next thing that escapes many prequalification systems is your property type. Condominiums are acceptable, but the project has to meet certain criteria. For instance, if you are applying for the government HECM loan, the lender checks an approval list and if your project is on it, no problem. If it is not there, they can apply for a spot approval for your loan. If the project has been rejected, your project is not eligible for the government program and chances are whatever made it ineligible for that program may also render it ineligible for other programs.
The project typically cannot be mainly rentals, they must be 51% or more of the units occupied by the unit owners. Manufactured homes built after June 15, 1976 are acceptable for the government HECM program provided they are on a permanent foundation, are taxed as real property and the Manufacturer would have had to obtained HUD tags when the home was built and those tags still have to be available for the appraiser to view at the time of appraisal. Single family residences in commercial or agricultural zoned areas, properties with excess acreage, or unique properties could also render a property ineligible for a reverse mortgage.
With senior borrowers, many times you have title issues to keep in mind as well. Trusts, conservatorships, powers of attorney, all are fine as long as they are done so that they meet reverse mortgage requirements. If you have any of these instruments, let your reverse mortgage originator know right away so that he or she can have them reviewed for acceptance. Also, when you have lived in your property for 20-50 years, there are any number of things that can come up on the title that may need to be resolved. If you are aware of any title issues (liens from lawsuits, back taxes, work that needed to be done), again, let your originator know as soon as possible so that those issues can be resolved before they delay your loan. Better to find out about all potential issues before costs are incurred or a lot of time is spent.
Michael G. Branson (CEO All Reverse Mortgage Company)is a Mortgage Broker who has over 31 years of mortgage banking experience. Toll Free (888) 801-2762
Click Here to visit our HomepageClick Here to watch the Reverse Mortgage Benefit Video
Article Source: http://EzineArticles.com/?expert=Michael_Branson
Tips For Creating a Spacious Deck
ป้ายกำกับ: DIY
By Adam Peters
If you are looking for ways and means to decorate your decks for your house, this article will provide you the relevant information in that direction. You can use these tips individually or in conjunction with your imagination and the amount of money you can afford to spend..
Here are some ideas:
To begin with, identify the utility of your decks. This is where you conduct your functions, be it social or otherwise. BBQ parties are the other reason. And still others could be reasons as simple as enjoying nature or simply sipping coffee and relaxing on your day off, on a romantic note. It all depends upon how much space you have.
A good choice so you can utilize your space for all occasions would be to go for a pattern of wavy lines. This pattern creates the mood fpr any occasion. You only need to remember a few things like keeping the space clean and clear of too many objects. Don't fill it with too many things. It feels great to have one spacious deck rather than two divided spaces.
The next thing to bear in mind while crafting this place is to provide as many access points as possible. The thumb rule would be for one every 15 to 20 feet. This is mainly done to avoid any constraints during parties and BBQs. You never know when you feel like fitting some equipment or lighting to pep up the fun.
Once this is planned, check the railings next. Ensure that you can do away with any sharp edges or corners. Play safe. Moreover, it also becomes a hurdle to the overall flowing lines feel of the deck. So the thumb rule is to avoid pointed or sharp railings unless you have a good enough reason for this.
You can also use a wide variety of materials for your deck railing. Modern deck railings are known to use paints and polishes to provide the required luster and look. However, you may also consider the wooden finish for your deck railing. In the long run, you may have maintenance problems with wood, although there are ways to overcome this. On the other hand, you could consider steel, plastic and wrought iron as well. In any case, the design and choice of materials would be in proportion to the budget you set aside for this task. This is the only aspect limiting the execution of your creativity.
Again, bear in mind the safety aspect as well. You may want to make provision for the handicapped as well. This depends on your overall need. In case you choose to make this provision, you will have to make the entry and exit accessible. You will need to provide even spaces so that they do not have a problem moving around. Assess the special needs of these people and incorporate these into in the designing stage itself. It would help to consult designers and architects and other sources to understand these requirements as these may not be frequently used in individual properties unless there is a big need for the same.
Adam Peters is the consultant for http://www.deck-porch-railings.com . For additional information on deck plan or deck ideas subjects have a look at his web.
Article Source: http://EzineArticles.com/?expert=Adam_Peters
If you are looking for ways and means to decorate your decks for your house, this article will provide you the relevant information in that direction. You can use these tips individually or in conjunction with your imagination and the amount of money you can afford to spend..
Here are some ideas:
To begin with, identify the utility of your decks. This is where you conduct your functions, be it social or otherwise. BBQ parties are the other reason. And still others could be reasons as simple as enjoying nature or simply sipping coffee and relaxing on your day off, on a romantic note. It all depends upon how much space you have.
A good choice so you can utilize your space for all occasions would be to go for a pattern of wavy lines. This pattern creates the mood fpr any occasion. You only need to remember a few things like keeping the space clean and clear of too many objects. Don't fill it with too many things. It feels great to have one spacious deck rather than two divided spaces.
The next thing to bear in mind while crafting this place is to provide as many access points as possible. The thumb rule would be for one every 15 to 20 feet. This is mainly done to avoid any constraints during parties and BBQs. You never know when you feel like fitting some equipment or lighting to pep up the fun.
Once this is planned, check the railings next. Ensure that you can do away with any sharp edges or corners. Play safe. Moreover, it also becomes a hurdle to the overall flowing lines feel of the deck. So the thumb rule is to avoid pointed or sharp railings unless you have a good enough reason for this.
You can also use a wide variety of materials for your deck railing. Modern deck railings are known to use paints and polishes to provide the required luster and look. However, you may also consider the wooden finish for your deck railing. In the long run, you may have maintenance problems with wood, although there are ways to overcome this. On the other hand, you could consider steel, plastic and wrought iron as well. In any case, the design and choice of materials would be in proportion to the budget you set aside for this task. This is the only aspect limiting the execution of your creativity.
Again, bear in mind the safety aspect as well. You may want to make provision for the handicapped as well. This depends on your overall need. In case you choose to make this provision, you will have to make the entry and exit accessible. You will need to provide even spaces so that they do not have a problem moving around. Assess the special needs of these people and incorporate these into in the designing stage itself. It would help to consult designers and architects and other sources to understand these requirements as these may not be frequently used in individual properties unless there is a big need for the same.
Adam Peters is the consultant for http://www.deck-porch-railings.com . For additional information on deck plan or deck ideas subjects have a look at his web.
Article Source: http://EzineArticles.com/?expert=Adam_Peters
Finding an Alternative to Reverse Mortgages
ป้ายกำกับ: Mortgage Refinace
By Arlene Schneider
Through a reverse mortgage senior citizens are able to free up the equity they have built up in their home. But there are certain features about a reverse mortgage that do not make them the best option for everyone. As a borrower you may wish to seek an alternative to a reverse mortgage. There are a few other options that will allow you to have extra income from the equity of your home. Here is an explanation of some of the available alternatives to a reverse mortgage.
*Family Advantage-Family Advantage is a line of credit funded by relatives or friends of a homeowner and secured by real estate. Family Advantage is a less expensive option to the reverse mortgage for most home owners. This type of financing does not require mortgage insurance, origination fees, closing costs or set asides. The costs of setting up a Family Advantage loan are 1/3 the cost of a traditional reverse mortgage. The biggest benefit to a Family Advantage loan is the home will remain in the family. There is no age requirement for this type of loan and any home can be used, not just a primary residence.
*EquityKey Program-this is an alternative that available for individuals 65-85 that is debt-free. EquityKey is an alternative method of financing that does not risk the equity that the owner has built up in the home. This program gives you the ability to receive income today, and in return EquityKey has the right to participate in the future appreciation of the home. The current equity is retained by the owner. The money received from EquityKey is based on the current value of the home. The money paid to the owner does not accrue interest or have to be repaid as long as the lender's agreement is followed, unlike that of a reverse mortgage or a traditional loan.
*REX Agreement-this type of financing is an agreement and not a mortgage. It is not a loan either. This is a purchase option that is a real estate investment agreement. It enables you to convert a portion of your homes equity into cash. In exchange, the agreement gives REX & Co. the option to share in a specified percentage of the future increase or decrease in the home's value. They share in a loss or gain in the value of the home.
Reverse mortgages are a good option for most seniors of at least 62 years of age, but they are not for everybody. While a reverse mortgage may not be in your best interest, there is an alternative to reverse mortgages that can also give you the financial security you may need. You just have to find out which financial vehicle will work best for you.
If you want more information about alternatives to a reverse mortgage, visit http://reverse-mortgages-today.com.
Article Source: http://EzineArticles.com/?expert=Arlene_Schneider
Through a reverse mortgage senior citizens are able to free up the equity they have built up in their home. But there are certain features about a reverse mortgage that do not make them the best option for everyone. As a borrower you may wish to seek an alternative to a reverse mortgage. There are a few other options that will allow you to have extra income from the equity of your home. Here is an explanation of some of the available alternatives to a reverse mortgage.
*Family Advantage-Family Advantage is a line of credit funded by relatives or friends of a homeowner and secured by real estate. Family Advantage is a less expensive option to the reverse mortgage for most home owners. This type of financing does not require mortgage insurance, origination fees, closing costs or set asides. The costs of setting up a Family Advantage loan are 1/3 the cost of a traditional reverse mortgage. The biggest benefit to a Family Advantage loan is the home will remain in the family. There is no age requirement for this type of loan and any home can be used, not just a primary residence.
*EquityKey Program-this is an alternative that available for individuals 65-85 that is debt-free. EquityKey is an alternative method of financing that does not risk the equity that the owner has built up in the home. This program gives you the ability to receive income today, and in return EquityKey has the right to participate in the future appreciation of the home. The current equity is retained by the owner. The money received from EquityKey is based on the current value of the home. The money paid to the owner does not accrue interest or have to be repaid as long as the lender's agreement is followed, unlike that of a reverse mortgage or a traditional loan.
*REX Agreement-this type of financing is an agreement and not a mortgage. It is not a loan either. This is a purchase option that is a real estate investment agreement. It enables you to convert a portion of your homes equity into cash. In exchange, the agreement gives REX & Co. the option to share in a specified percentage of the future increase or decrease in the home's value. They share in a loss or gain in the value of the home.
Reverse mortgages are a good option for most seniors of at least 62 years of age, but they are not for everybody. While a reverse mortgage may not be in your best interest, there is an alternative to reverse mortgages that can also give you the financial security you may need. You just have to find out which financial vehicle will work best for you.
If you want more information about alternatives to a reverse mortgage, visit http://reverse-mortgages-today.com.
Article Source: http://EzineArticles.com/?expert=Arlene_Schneider
Getting a Mortgage - Dos and Don'ts
ป้ายกำกับ: Mortgage Refinace
By Gina LaBarbera
So you've established a great credit rating and are ready to visit a lending institution to see about getting pre-qualified for a mortgage. Here's a few tips for what to do or not do.
Do keep paying your credit card bills, by at least the minimum monthly amount. Be sure that your balance is at least 10 % less than your credit amount.
Don't make any major purchases before getting a mortgage. Even a pre-qualification is subject to change if you suddenly have more debt. It doesn't matter if you think you will have no problem paying off the new debt along with your new mortgage, if the banks see a new monthly payment for you they are going to want to re-think the mortgage amount they offered you. If you haven't yet been pre-qualified, realize that any debts you have make the mortgage you are eligible for that much lower. So if you've been eyeing up any few-thousand dollar items, other than a piece of real estate, forget about it. Wait until the mortgage negotiating is complete and the home is in your name. Then you can buy whatever you want. As long as you are still able to make your mortgage payments, it'll be none of the bank's business anymore.
Don't quite your job. Do keep the same shift at work. It is important that your income be secure. Any changes in the amount you are working will make it look unstable. Your lender is going to want to see your income tax statements. What they like to see is that you've had the same job for a couple of years. However, I do realize that better job opportunities do come along once in a while. If you change jobs to go to a better paying position, this probably won't have a negative impact on acquiring a mortgage. However, you will want to wait until you are past any trial or probationary period before applying for a mortgage. The banks might want to see a letter of intent from your employer to ensure that your new job is a permanent situation.
Do protect your credit. Take steps to protect yourself from ID theft. There are some new services being offered such as having a company monitor your credit information. If one of the major credit bureaus are contacted regarding a credit check on you, you can be notified. If it's for a credit application you didn't make, you can stop a fraudulent act before it happens. Also, inquire with your existing card as to what precautionary services they may offer. With ID theft becoming more and more prevalent, it's worth taking steps to prevent it from happening to you.
Gina Labarbera, competent and experienced Jacksonville Florida real estate agent. If you're looking for St. John's County FL real estate, or for a home anywhere in or near Jacksonville, Gina can help.
Article Source: http://EzineArticles.com/?expert=Gina_LaBarbera
So you've established a great credit rating and are ready to visit a lending institution to see about getting pre-qualified for a mortgage. Here's a few tips for what to do or not do.
Do keep paying your credit card bills, by at least the minimum monthly amount. Be sure that your balance is at least 10 % less than your credit amount.
Don't make any major purchases before getting a mortgage. Even a pre-qualification is subject to change if you suddenly have more debt. It doesn't matter if you think you will have no problem paying off the new debt along with your new mortgage, if the banks see a new monthly payment for you they are going to want to re-think the mortgage amount they offered you. If you haven't yet been pre-qualified, realize that any debts you have make the mortgage you are eligible for that much lower. So if you've been eyeing up any few-thousand dollar items, other than a piece of real estate, forget about it. Wait until the mortgage negotiating is complete and the home is in your name. Then you can buy whatever you want. As long as you are still able to make your mortgage payments, it'll be none of the bank's business anymore.
Don't quite your job. Do keep the same shift at work. It is important that your income be secure. Any changes in the amount you are working will make it look unstable. Your lender is going to want to see your income tax statements. What they like to see is that you've had the same job for a couple of years. However, I do realize that better job opportunities do come along once in a while. If you change jobs to go to a better paying position, this probably won't have a negative impact on acquiring a mortgage. However, you will want to wait until you are past any trial or probationary period before applying for a mortgage. The banks might want to see a letter of intent from your employer to ensure that your new job is a permanent situation.
Do protect your credit. Take steps to protect yourself from ID theft. There are some new services being offered such as having a company monitor your credit information. If one of the major credit bureaus are contacted regarding a credit check on you, you can be notified. If it's for a credit application you didn't make, you can stop a fraudulent act before it happens. Also, inquire with your existing card as to what precautionary services they may offer. With ID theft becoming more and more prevalent, it's worth taking steps to prevent it from happening to you.
Gina Labarbera, competent and experienced Jacksonville Florida real estate agent. If you're looking for St. John's County FL real estate, or for a home anywhere in or near Jacksonville, Gina can help.
Article Source: http://EzineArticles.com/?expert=Gina_LaBarbera
Home Mortgage Loan - Top Seven Insider Secrets You Need to Know
ป้ายกำกับ: Mortgage Refinace
By J Krohn
Unless you have been living under a rock for the last year or so you have no doubt heard of the "sub prime" scandal. Almost on a daily basis one story or another has hit the headlines making it impossible to miss.
As the story continues to develop, the surge in foreclosures, predatory lending practices and predatory lenders all contribute to the problem. How it happened and why it happened will be debated for years to come. Unfortunately it is not that simple. There is more than enough blame to go around.
It is not safe to say that it will never happen again. Greed will always be around. Where there is money there will always be greed both for lenders and borrowers alike. Here are some tips for you so you are not a statistic the next time we are in a real estate boom.
1. ---AVOID negative amortization loans. You may end up owing more than the property is worth commonly called being 'upside down.'
2. --- GET your "Good Faith Estimate" upfront and hold your lender accountable.
3. --- GET a "Good Faith Estimate" from both a broker and a direct lender like a bank for comparison not two brokers. It has been said of brokers in the mortgage biz "the biggest liar gets the deal."
4. ---AVOID pre payment penalties.
5. ---WATCH for "bait and switch" tactics. For example, as the closing date gets closer the lender may change the rate or other condition due to any excuse in the book feeling he puts you in a corner unable to do anything about it.
6. ---REMEMBER if you use a broker to chose wisely and only select someone thoroughly vetted preferably thru a third party you trust. Most states are very lax on any requirements to be a mortgage broker other than paying a fee. It is way too easy.
7. ---LASTLY most brokers are trying to get as much money as they can from you. KEEP YOUR EYES OPEN.
Use these seven insider tips and you may avoid being statistic. Don't be greedy!
Jack Krohn is a leading free lance writer on Home Equity and Mortgage issues with over 50 articles to his credit. He is also the #1 author of Home Security Articles in the country. He owns SECURITY SOLUTIONS a one stop resource that provides solutions and answers for all your self defense and home security problems.
To learn more about home equity loans and mortgages click on the links below.
GET FREE HOME EQUITY LOAN INFO
Get yourself a HIDDEN SPY CAMERA and find out what is going on when you are not there.
Home of the BEST SELF DEFENSE PRODUCTS.
Article Source: http://EzineArticles.com/?expert=J_Krohn
Unless you have been living under a rock for the last year or so you have no doubt heard of the "sub prime" scandal. Almost on a daily basis one story or another has hit the headlines making it impossible to miss.
As the story continues to develop, the surge in foreclosures, predatory lending practices and predatory lenders all contribute to the problem. How it happened and why it happened will be debated for years to come. Unfortunately it is not that simple. There is more than enough blame to go around.
It is not safe to say that it will never happen again. Greed will always be around. Where there is money there will always be greed both for lenders and borrowers alike. Here are some tips for you so you are not a statistic the next time we are in a real estate boom.
1. ---AVOID negative amortization loans. You may end up owing more than the property is worth commonly called being 'upside down.'
2. --- GET your "Good Faith Estimate" upfront and hold your lender accountable.
3. --- GET a "Good Faith Estimate" from both a broker and a direct lender like a bank for comparison not two brokers. It has been said of brokers in the mortgage biz "the biggest liar gets the deal."
4. ---AVOID pre payment penalties.
5. ---WATCH for "bait and switch" tactics. For example, as the closing date gets closer the lender may change the rate or other condition due to any excuse in the book feeling he puts you in a corner unable to do anything about it.
6. ---REMEMBER if you use a broker to chose wisely and only select someone thoroughly vetted preferably thru a third party you trust. Most states are very lax on any requirements to be a mortgage broker other than paying a fee. It is way too easy.
7. ---LASTLY most brokers are trying to get as much money as they can from you. KEEP YOUR EYES OPEN.
Use these seven insider tips and you may avoid being statistic. Don't be greedy!
Jack Krohn is a leading free lance writer on Home Equity and Mortgage issues with over 50 articles to his credit. He is also the #1 author of Home Security Articles in the country. He owns SECURITY SOLUTIONS a one stop resource that provides solutions and answers for all your self defense and home security problems.
To learn more about home equity loans and mortgages click on the links below.
GET FREE HOME EQUITY LOAN INFO
Get yourself a HIDDEN SPY CAMERA and find out what is going on when you are not there.
Home of the BEST SELF DEFENSE PRODUCTS.
Article Source: http://EzineArticles.com/?expert=J_Krohn
3 Things to Look for Before Mortgage Refinancing
ป้ายกำกับ: Mortgage Refinace
By John Smith Jr.
More and more people are into mortgage refinance these days. For them, this is one of the few means left to salvage their homes-and themselves. However, their applications take a much longer time to get done. Others are even rejected.
These situations can have something to do with the requirements that you're currently submitting. It's either they're incomplete or not updated or that you didn't pass them on time. It is thus very important that you have a good idea of what to prepare to help you save time and increase your chances of getting approved.
Credit Report and Bank Accounts
Your credit report is very essential, especially when you're applying for a refinance mortgage. This will serve as proof to your lending company that you're capable of paying your dues.
When requesting for a credit report, make sure that you ask for it from your corresponding credit agency. They would normally give free copies of your credit report each year. When you already have your copy, don't forget to double-check the information it contains, such as your name and your address. Keep in mind that if any of these data is wrong, then there's a huge possibility your application gets junked. If you find any error, get in touch with your credit agency as soon as possible. The sooner you bring the matter to their attention, the faster you can submit the right documents for your mortgage refinance application.
Besides your credit report, you also need to have your savings and other bank accounts ready. They will also look into them. Of course, they would possibly deny you the application or even your desired amount if you have wealthy accounts. Nevertheless, it doesn't mean you have to twist data just so you can be granted. Lying doesn't have any room when you're in mortgage refinance, so don't waste your time on it.
Status of Your Mortgage
The lending company would certainly love to know how they'll be able to help you and where you have possibly gone wrong. You can make use of your monthly payment, the status of your property today, as well as the insurance and tax payments. Definitely, you also need to reveal your present outstanding mortgage and even the contact information of your lender, should you consider another on your second mortgage.
Documents Relating to Your Property
Your home plays a crucial role when you're applying for your second remortgage, so all documents pertaining to it should also be prepared. These include your title to prove that it's really your property as well as a site survey copy. You may also have to have someone appraise your property to know the true value of your home.
If you're seriously considering going for remortgage refinance, then you must be totally armed. You can't possibly too complacent, thinking that your payroll slip is more than enough to prove that you're worth to be approved. Gathering documents can sometimes be a hassle, but if it's going to increase or even guarantee your approval, then it's going to be worth it.
For over 20 years, John Smith Jr., has been showing his clients on how to use home mortgage refinance to elevate their lifestyles. Mortgage refinance can be a powerful tool and JSJ is the expert in the subject.
Article Source: http://EzineArticles.com/?expert=John_Smith_Jr.
More and more people are into mortgage refinance these days. For them, this is one of the few means left to salvage their homes-and themselves. However, their applications take a much longer time to get done. Others are even rejected.
These situations can have something to do with the requirements that you're currently submitting. It's either they're incomplete or not updated or that you didn't pass them on time. It is thus very important that you have a good idea of what to prepare to help you save time and increase your chances of getting approved.
Credit Report and Bank Accounts
Your credit report is very essential, especially when you're applying for a refinance mortgage. This will serve as proof to your lending company that you're capable of paying your dues.
When requesting for a credit report, make sure that you ask for it from your corresponding credit agency. They would normally give free copies of your credit report each year. When you already have your copy, don't forget to double-check the information it contains, such as your name and your address. Keep in mind that if any of these data is wrong, then there's a huge possibility your application gets junked. If you find any error, get in touch with your credit agency as soon as possible. The sooner you bring the matter to their attention, the faster you can submit the right documents for your mortgage refinance application.
Besides your credit report, you also need to have your savings and other bank accounts ready. They will also look into them. Of course, they would possibly deny you the application or even your desired amount if you have wealthy accounts. Nevertheless, it doesn't mean you have to twist data just so you can be granted. Lying doesn't have any room when you're in mortgage refinance, so don't waste your time on it.
Status of Your Mortgage
The lending company would certainly love to know how they'll be able to help you and where you have possibly gone wrong. You can make use of your monthly payment, the status of your property today, as well as the insurance and tax payments. Definitely, you also need to reveal your present outstanding mortgage and even the contact information of your lender, should you consider another on your second mortgage.
Documents Relating to Your Property
Your home plays a crucial role when you're applying for your second remortgage, so all documents pertaining to it should also be prepared. These include your title to prove that it's really your property as well as a site survey copy. You may also have to have someone appraise your property to know the true value of your home.
If you're seriously considering going for remortgage refinance, then you must be totally armed. You can't possibly too complacent, thinking that your payroll slip is more than enough to prove that you're worth to be approved. Gathering documents can sometimes be a hassle, but if it's going to increase or even guarantee your approval, then it's going to be worth it.
For over 20 years, John Smith Jr., has been showing his clients on how to use home mortgage refinance to elevate their lifestyles. Mortgage refinance can be a powerful tool and JSJ is the expert in the subject.
Article Source: http://EzineArticles.com/?expert=John_Smith_Jr.
How To Fix a Crack In a Wall
ป้ายกำกับ: DIY
By Jannie Barwise
Plaster does crack, that means plaster repair advice please! And when plaster does crack, it usually happens around the ceiling area. The reason is quite simple: change in temperature. It's from going from humidity in the summer to a dry shrinking winter.
Cracks in walls are such a common thing and people usually freak out about them. Relax your home wont collapse. It's perfectly normal to patch up your walls every few years or so. The good news about re-patching cracks periodically is that it's more sound- absorbing. So hey, noisy neighbours? A crack in your wall is what you want.
To fix a crack in the wall is really simple. First of all you need to open up the crack or cracks so that the new plaster can do a proper job, completely fill the area. A grout remover tool is just the tool you need for that.
Then you need to make some filling. 2/3 plaster of paris mix with 1/3 joint compound. The reason why you would use plaster of paris mix together with joint compound and not just joint compound on its own is because plaster of paris expands as it sets where as joint compound shrinks when it dries which causes tension in the joint.
So I'm sure you can figure it out for yourself: The crack is more likely to open up again when you use joint compound on its own. You can on the other hand use plaster of paris mix on its own but you'll have to move very quickly as you'll only have a few minutes to get the job done before it sets.
To mix joint compound with plaster of paris, it's easiest to first mix the water for the plaster of paris with the joint compound. Then over about a minute, while mixing like mad, add the plaster of paris powder to the mix. Then wait a minute or two, until it is solid enough to work with.
Now plaster quickly. After plastering wash out the bucket before the plaster in there sets so that the bucket can be reused the same day. If the plaster sets in the bucket, wait until it turns white then hammer the bucket to knock it out in big chunks. Don't just add water, it's not going to make any difference.
How To Plaster http://howtoplaster.tumblr.com
Article Source: http://EzineArticles.com/?expert=Jannie_Barwise
Plaster does crack, that means plaster repair advice please! And when plaster does crack, it usually happens around the ceiling area. The reason is quite simple: change in temperature. It's from going from humidity in the summer to a dry shrinking winter.
Cracks in walls are such a common thing and people usually freak out about them. Relax your home wont collapse. It's perfectly normal to patch up your walls every few years or so. The good news about re-patching cracks periodically is that it's more sound- absorbing. So hey, noisy neighbours? A crack in your wall is what you want.
To fix a crack in the wall is really simple. First of all you need to open up the crack or cracks so that the new plaster can do a proper job, completely fill the area. A grout remover tool is just the tool you need for that.
Then you need to make some filling. 2/3 plaster of paris mix with 1/3 joint compound. The reason why you would use plaster of paris mix together with joint compound and not just joint compound on its own is because plaster of paris expands as it sets where as joint compound shrinks when it dries which causes tension in the joint.
So I'm sure you can figure it out for yourself: The crack is more likely to open up again when you use joint compound on its own. You can on the other hand use plaster of paris mix on its own but you'll have to move very quickly as you'll only have a few minutes to get the job done before it sets.
To mix joint compound with plaster of paris, it's easiest to first mix the water for the plaster of paris with the joint compound. Then over about a minute, while mixing like mad, add the plaster of paris powder to the mix. Then wait a minute or two, until it is solid enough to work with.
Now plaster quickly. After plastering wash out the bucket before the plaster in there sets so that the bucket can be reused the same day. If the plaster sets in the bucket, wait until it turns white then hammer the bucket to knock it out in big chunks. Don't just add water, it's not going to make any difference.
How To Plaster http://howtoplaster.tumblr.com
Article Source: http://EzineArticles.com/?expert=Jannie_Barwise
Secrets To Buying Thailand Condominiums
ป้ายกำกับ: Condo
By Scott Riefler
One question we are constantly asked is if you have to obtain permission from the government before purchasing property. To buy a condo or apartment in Thailand is very simple if you're a non-Thai. Most projects have a 51%-49% ownership rule. If the Building is over 51% Thai owned, a foreigner can purchase and own the condo or apartment freehold. If not, you must purchase the apartment as a 30 year lease. Check with the local land office before you purchase if you are unsure about the title deed.
Buying direct from the developer has several advantages: you will get to see a range of properties in Thailand that suit your requirements; you have the benefit of many years experience, as well as a English speaking office to support you in your home country; it may help eliminate any possible misunderstandings; and it helps takes away the stress associated with purchasing in Thailand or abroad.
Transactions and payments are simply made by wiring from you home bank account. It's always better to let the Thai banks convert your money in Thailand then to let you home bank to convert it to Baht before you wire. This tip along can save you thousands of dollars when you go to wire a large amount. Some developers can "lock in" a rate for you before you wire. Make sure you can communicate with your agent by MSN chat, Skype or text message in case you have any last minute questions while at the bank.
The Thai currency system is based on the decimal system. One That Baht is divided into 100 satangs. Coins range in value from ten baht to 25 satangs and six bank notes are in circulation: 10, 20, 50,100,500 and 1000. Always keep lots of small bills as it's a big jump between 100 baht and 500 or a 1000. Most street vendors and taxis can't make change for 1000 baht.
Personal effects, household goods and furniture may be imported duty free. There is very high duty on importing a car. I believe with the hassle of dealing with Thai customs it's better to buy what you need inside of Thailand and leave most of your personal effects at home.
Find out monthly secrets to Buying in Thailand apartments and properties. Subscribe to our monthly newsletter and get free tips and tricks of the trade. Some tips alone can save you thousands of dollars on your purchase.
Scott Riefler is an expert in dealing with Real Estate and finance related matters. He has written several informative articles on topics like mortgage, home refinancing, real estate loans and real estate insurance. He regularly contributes articles to web guides on real estate and home refinancing http://www.patongharborview.com
To subscribe to my monthly newsletter, please go to: http://www.patongharborview.com/design01-green/land2.html
Article Source: http://EzineArticles.com/?expert=Scott_Riefler
One question we are constantly asked is if you have to obtain permission from the government before purchasing property. To buy a condo or apartment in Thailand is very simple if you're a non-Thai. Most projects have a 51%-49% ownership rule. If the Building is over 51% Thai owned, a foreigner can purchase and own the condo or apartment freehold. If not, you must purchase the apartment as a 30 year lease. Check with the local land office before you purchase if you are unsure about the title deed.
Buying direct from the developer has several advantages: you will get to see a range of properties in Thailand that suit your requirements; you have the benefit of many years experience, as well as a English speaking office to support you in your home country; it may help eliminate any possible misunderstandings; and it helps takes away the stress associated with purchasing in Thailand or abroad.
Transactions and payments are simply made by wiring from you home bank account. It's always better to let the Thai banks convert your money in Thailand then to let you home bank to convert it to Baht before you wire. This tip along can save you thousands of dollars when you go to wire a large amount. Some developers can "lock in" a rate for you before you wire. Make sure you can communicate with your agent by MSN chat, Skype or text message in case you have any last minute questions while at the bank.
The Thai currency system is based on the decimal system. One That Baht is divided into 100 satangs. Coins range in value from ten baht to 25 satangs and six bank notes are in circulation: 10, 20, 50,100,500 and 1000. Always keep lots of small bills as it's a big jump between 100 baht and 500 or a 1000. Most street vendors and taxis can't make change for 1000 baht.
Personal effects, household goods and furniture may be imported duty free. There is very high duty on importing a car. I believe with the hassle of dealing with Thai customs it's better to buy what you need inside of Thailand and leave most of your personal effects at home.
Find out monthly secrets to Buying in Thailand apartments and properties. Subscribe to our monthly newsletter and get free tips and tricks of the trade. Some tips alone can save you thousands of dollars on your purchase.
Scott Riefler is an expert in dealing with Real Estate and finance related matters. He has written several informative articles on topics like mortgage, home refinancing, real estate loans and real estate insurance. He regularly contributes articles to web guides on real estate and home refinancing http://www.patongharborview.com
To subscribe to my monthly newsletter, please go to: http://www.patongharborview.com/design01-green/land2.html
Article Source: http://EzineArticles.com/?expert=Scott_Riefler
Getting A Mortgage With Existing Arrears
ป้ายกำกับ: Mortgage Refinace
By Michael Hanna
Mortgage lenders regard mortgage arrears very seriously. If you have current mortgage arrears, you will need to take some action to recover the situation. If you do nothing, the debts will get worse and ultimately the mortgage lender will seek repossession of your property. This will allow them to sell the property and use the money from the sale to pay off the debt.
Depending on your circumstances there are things you can do: Negotiate with your current lender.
You will need to be able to keep up your current instalments and pay off the arrears. If your difficulties are short term you could ask if they would consider reducing your payments for a limited time.
Before you negotiate you need to work out how much you can realistically afford to pay off the arrears. Work out how much money you have coming in and how much going out.
Re-mortgage with a different lender
This is usually the most effective solution as if you have a number of outstanding credit agreements you could consolidate these into a single monthly mortgage payment. The advantage of doing this is that you can spread the cost over a longer period, this is likely to make a significant reduction in your outgoings. The down side is that these loans will now be 'secured' against your property. This means if you are unable to make the payments there is a possibility your home could be re-possessed.
Mortgage application with arrears
If you currently have arrears on a mortgage or secured loan then you are likely to pay a higher interest rate on any new mortgage. Arrears on a credit agreement will show up on your credit history for up to 6 years. The more recent the arrears the more effect they will have on a mortgage application.
To get help on Problem With Mortgage Arrears or a No Proof of Income Mortgage visit the Heron Mortgages website and ask them for a quote.
Depending on your current circumstance it may be possible to arrange a re-mortgage in order to clear your arrears.
Generally lenders will be fairly understanding about your arrears but it is best to do something about the problem as soon as possible. The longer you leave it the worse the situation will become.
Most mortgages are repaid over 25 years. However if you are having problems meeting you re-payments it may be possible to extend the term to say 30 or even 35 years. This will reduce your monthly payments. If your difficulties are short term you could always reduce the term again when you are in a position to do so.
Author Michael HannaMichael's Website: Poker Sign Up Bonus Codes
Article Source: http://EzineArticles.com/?expert=Michael_Hanna
Mortgage lenders regard mortgage arrears very seriously. If you have current mortgage arrears, you will need to take some action to recover the situation. If you do nothing, the debts will get worse and ultimately the mortgage lender will seek repossession of your property. This will allow them to sell the property and use the money from the sale to pay off the debt.
Depending on your circumstances there are things you can do: Negotiate with your current lender.
You will need to be able to keep up your current instalments and pay off the arrears. If your difficulties are short term you could ask if they would consider reducing your payments for a limited time.
Before you negotiate you need to work out how much you can realistically afford to pay off the arrears. Work out how much money you have coming in and how much going out.
Re-mortgage with a different lender
This is usually the most effective solution as if you have a number of outstanding credit agreements you could consolidate these into a single monthly mortgage payment. The advantage of doing this is that you can spread the cost over a longer period, this is likely to make a significant reduction in your outgoings. The down side is that these loans will now be 'secured' against your property. This means if you are unable to make the payments there is a possibility your home could be re-possessed.
Mortgage application with arrears
If you currently have arrears on a mortgage or secured loan then you are likely to pay a higher interest rate on any new mortgage. Arrears on a credit agreement will show up on your credit history for up to 6 years. The more recent the arrears the more effect they will have on a mortgage application.
To get help on Problem With Mortgage Arrears or a No Proof of Income Mortgage visit the Heron Mortgages website and ask them for a quote.
Depending on your current circumstance it may be possible to arrange a re-mortgage in order to clear your arrears.
Generally lenders will be fairly understanding about your arrears but it is best to do something about the problem as soon as possible. The longer you leave it the worse the situation will become.
Most mortgages are repaid over 25 years. However if you are having problems meeting you re-payments it may be possible to extend the term to say 30 or even 35 years. This will reduce your monthly payments. If your difficulties are short term you could always reduce the term again when you are in a position to do so.
Author Michael HannaMichael's Website: Poker Sign Up Bonus Codes
Article Source: http://EzineArticles.com/?expert=Michael_Hanna
Leasing Land - Understanding The Process
ป้ายกำกับ: Land
By John Peyton
Have you been contacted recently to lease your land for oil and gas drilling? With the price of oil and gas continuing to rise, leasing is happening in places throughout the country and the world. Companies are paying upwards of $500 per acre to lease land for drilling purposes, but if you have been contacted there are a few things you need to understand.
When you are negotiating the lease, there are two main concerns you should have from the beginning. The first concern is how much money you are going to be paid an acre (bonus) and the second concern is how much interest you will have in the oil and gas well (royalty). These two items will be stipulated from the beginning and it is important that you understand exactly what each of these will be. Also, don't sign as soon as you are contacted. Talk to your neighbors or to an attorney to make sure you are getting the best deal possible.
If you aren't prepared and don't know what you are doing, here is a couple of things that could happen.
A landowner leases their land and one well is kept on the section tying up the landowners land virtually forever. Don't let this happen to you.
A landowner has a well placed on his land without any knowledge this was going to happen. The site is operational 24 hours a day interrupting many facets of his life. Don't let this happen to you.
A landowner sells the royalty interest in a well for only $100. The landowner should be getting a check for over $1000 per month but was swindled out of this royalty. Could this happen to you?
A landowner is only allowed to lease her land once when she could have done it several times because wells were drilled at different depths. Couldn't you use an extra $500 per acre of land you own?
The scenarios above aren't meant to scare you, but you need to understand the process. For more information about how to negotiate an oil and gas lease, please visit:
www.LeasingLandToday.com
Sincerely,
John Peyton
Article Source: http://EzineArticles.com/?expert=John_Peyton
Have you been contacted recently to lease your land for oil and gas drilling? With the price of oil and gas continuing to rise, leasing is happening in places throughout the country and the world. Companies are paying upwards of $500 per acre to lease land for drilling purposes, but if you have been contacted there are a few things you need to understand.
When you are negotiating the lease, there are two main concerns you should have from the beginning. The first concern is how much money you are going to be paid an acre (bonus) and the second concern is how much interest you will have in the oil and gas well (royalty). These two items will be stipulated from the beginning and it is important that you understand exactly what each of these will be. Also, don't sign as soon as you are contacted. Talk to your neighbors or to an attorney to make sure you are getting the best deal possible.
If you aren't prepared and don't know what you are doing, here is a couple of things that could happen.
A landowner leases their land and one well is kept on the section tying up the landowners land virtually forever. Don't let this happen to you.
A landowner has a well placed on his land without any knowledge this was going to happen. The site is operational 24 hours a day interrupting many facets of his life. Don't let this happen to you.
A landowner sells the royalty interest in a well for only $100. The landowner should be getting a check for over $1000 per month but was swindled out of this royalty. Could this happen to you?
A landowner is only allowed to lease her land once when she could have done it several times because wells were drilled at different depths. Couldn't you use an extra $500 per acre of land you own?
The scenarios above aren't meant to scare you, but you need to understand the process. For more information about how to negotiate an oil and gas lease, please visit:
www.LeasingLandToday.com
Sincerely,
John Peyton
Article Source: http://EzineArticles.com/?expert=John_Peyton
Power Inverters - Empowers Applications During An Outage
ป้ายกำกับ: Electrical
By Anna Woodward
For emergency power, such as during an outage, power inverters can be used with an extension cord to plug in electric appliances. Power inverters are an electronic device that converts direct current (DC) of 12 volts to alternating current (AC) of 120 volts for operation of household appliances.
These are commonly used for energy for domestic appliances like electric lights, kitchen appliances, electric tools, microwaves, radios, and computers.
With DC AC power inverters, energy stored in a battery is transformed to AC electricity for usage in wide variety of applications. While switching from direct current to high voltage alternating current, many of these convert with a 90% efficiency.
These are available in different models varying in watts and sizes. The different capacity options should your main consideration when choosing one.
As these mechanisms normally assume that the source battery is in good condition and fully charged, it is necessary that the engine inside the source vehicle be started at least once an hour for 10-15 minutes to avoid discharge.
There are three basic types:
1. Square wave have become obsolete and are not recommended due to their inefficiency, noise and harshness.
2. Modified sine wave are most popular and are commonly sufficient to run most devices.
3. True-sine wave produce from the public utility grid system and are best for sensitive electronics. The output pattern is equivalent to 60Hz grid power.
Determining the best to suit and meet your requirements appropriately requires a careful consideration on these points:
* Would you use it daily or on an occasional basis?
* How many electrical outlets do you wish to plug in? Choose the size that best fits your needs.
* Does the entire load exceed 150 watts? If yes, a direct connection (DC) to the cell needs to be established.
* Are you planning to use heavy-draw equipment? If yes, a large-capacity unit and direct connection is required.
- Right Size for Your Needs
Deciding the best or suitable size of power inverters requires addition of the wattage requirement of all the appliances that will function at the same time. It is always recommended to consider the higher figure as this ensures that the inverter will provide for all appliances safely.
Depending on the amp-hour capacity available, the length of time an inverter functions can be estimated.
- Type of Batteries Recommended
Actual time for recharging depends on the age and condition of the battery and the demand being placed on the equipment being operated by the inverter.
For 500 watts and larger inverters we recommend use of deep cycle (marine or RV) batteries that provide several hundred complete charge/discharge cycles. Start the engine every 30 to 60 minutes and let it run for 10 minutes to recharge.
When DC to AC power inverters are operating appliances with high continuous load ratings for extended periods, it's advisable to connect to a stand alone battery - not the one in your car.
If car or truck battery is excessively used, it's possible that it will drain to a point when it has insufficient reserve, so use an extra deep cycle one. Deep cycle batteries are capable of withstanding repeated drains and have the highest reserve ratings.
For a wide variety of power inverters and battery options, visit http://www.all-battery.com/. All-Battery.com offers dependable, quality inverters, batteries, and chargers made with industry leading technologies.
Article Source: http://EzineArticles.com/?expert=Anna_Woodward
For emergency power, such as during an outage, power inverters can be used with an extension cord to plug in electric appliances. Power inverters are an electronic device that converts direct current (DC) of 12 volts to alternating current (AC) of 120 volts for operation of household appliances.
These are commonly used for energy for domestic appliances like electric lights, kitchen appliances, electric tools, microwaves, radios, and computers.
With DC AC power inverters, energy stored in a battery is transformed to AC electricity for usage in wide variety of applications. While switching from direct current to high voltage alternating current, many of these convert with a 90% efficiency.
These are available in different models varying in watts and sizes. The different capacity options should your main consideration when choosing one.
As these mechanisms normally assume that the source battery is in good condition and fully charged, it is necessary that the engine inside the source vehicle be started at least once an hour for 10-15 minutes to avoid discharge.
There are three basic types:
1. Square wave have become obsolete and are not recommended due to their inefficiency, noise and harshness.
2. Modified sine wave are most popular and are commonly sufficient to run most devices.
3. True-sine wave produce from the public utility grid system and are best for sensitive electronics. The output pattern is equivalent to 60Hz grid power.
Determining the best to suit and meet your requirements appropriately requires a careful consideration on these points:
* Would you use it daily or on an occasional basis?
* How many electrical outlets do you wish to plug in? Choose the size that best fits your needs.
* Does the entire load exceed 150 watts? If yes, a direct connection (DC) to the cell needs to be established.
* Are you planning to use heavy-draw equipment? If yes, a large-capacity unit and direct connection is required.
- Right Size for Your Needs
Deciding the best or suitable size of power inverters requires addition of the wattage requirement of all the appliances that will function at the same time. It is always recommended to consider the higher figure as this ensures that the inverter will provide for all appliances safely.
Depending on the amp-hour capacity available, the length of time an inverter functions can be estimated.
- Type of Batteries Recommended
Actual time for recharging depends on the age and condition of the battery and the demand being placed on the equipment being operated by the inverter.
For 500 watts and larger inverters we recommend use of deep cycle (marine or RV) batteries that provide several hundred complete charge/discharge cycles. Start the engine every 30 to 60 minutes and let it run for 10 minutes to recharge.
When DC to AC power inverters are operating appliances with high continuous load ratings for extended periods, it's advisable to connect to a stand alone battery - not the one in your car.
If car or truck battery is excessively used, it's possible that it will drain to a point when it has insufficient reserve, so use an extra deep cycle one. Deep cycle batteries are capable of withstanding repeated drains and have the highest reserve ratings.
For a wide variety of power inverters and battery options, visit http://www.all-battery.com/. All-Battery.com offers dependable, quality inverters, batteries, and chargers made with industry leading technologies.
Article Source: http://EzineArticles.com/?expert=Anna_Woodward
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