In this expensive world, having a dwelling is rare! Generally, people opt for rented one. However, for those you have a home of their own and want to go for some or More »
When looking for a new home there are several items you should consider carefully before making your selection. These things range from the size of the home, to the neighborhood it’s located More »
Want to simplify your life? Want to lower your monthly expenses? Want to reduce your dependency on your job? Tiny houses may be the answer for you and your family.
Below is my list of the many benefits of owning a tiny home. Here we go…
Less initial cost
A tiny house is obviously smaller than a traditional home. There are less materials and the labor required to build it because of it’s size. Since tiny homes often have most of the features a traditional house has (kitchen, plumbing, roof, flooring) the price per square foot is usually more expensive. But since overall size of the house is so much smaller, the overall price is only a fraction of traditional homes.
Less energy consumption
Tiny homes require much less energy to heat and cool simply because they have much less interior air space. Since many tiny homes are on wheels, a tiny house owner could move their house under a large tree in the summer, and out into the sun during the winter. Two additional culprits for significant energy consumption are refrigerators and hot water heaters. Both are typically smaller in a tiny house and consume far less energy. Another use of energy is your own energy. It doesn’t take long to tidy up a very small dwelling. I have seen folks who have been very creative with reducing their tiny house’s energy consumption and making use of the fact that their home is very small. Solar panels, wood stoves, wind turbines, compost toilets, the list goes on and on.
Less water consumption and trash
If you have a small shower and small hot water heater, chances are your showers will be alot shorter. If you have a small trash can, chances are you will generate less trash. Using less water and producing less trash is both good for environment and your wallet.
Less cost for repairs
Repair costs for your tiny home are simply a matter of mathematics. The cost to replace the roof of a 2,000 square foot home will be alot less than the cost of a 300 square foot home. This is of course because of the reduction in materials and labor.
Less land to purchase and upkeep
A small dwelling will require less land reside on. Since many cities have restrictions on the size a home can be, you may be required to purchase land outside the city with no restrictions. Land outside the city is cheaper to purchase and the taxes are less. If you elect to buy a very small plot of land that your house will reside on, you’ll spend less time cutting grass. If you buy a regular sized lot, you’ll have more room your garden.
If you have a small pantry, you’ll have a small amount of food in your house. If you can look through your kitchen window and see fresh vegetables growing in it, you’ll spend less produce. By eating less food in your tiny house, you’ll keep your food bill and weight down.
Since the value of your tiny home and land is resides on is less valuable (assuming you choose to buy your land rather than lease) your tax bill will be less. The savings can go towards investments, retirement, college for your children, vacations, or donations to tinyhouselistings.com:-)
Insurance for your home can add up quickly, especially when it comes time to use it. Tiny houses cost much less to insure because they are less valuable. Many insurance companies consider tiny houses on wheels to be an RV. Since insurance companies aren’t non profits and are in business to make money, you will often have difficulty getting the money from them. By owning a tiny house you can minimize the amount you give to them in the first place.
Less interest paid
When I bought my first house, initially I was paying more towards interest than the principle. It’s no secret that over the course of a 30 year loan, you will pay more for interest than you will the house itself. Most tiny house owners elect to pay cash for their tiny house, or to pay it off quickly. The amount you save by avoiding interest will ultimately be a huge amount. More than enough to buy the in-laws a tiny house and have it located on the back (way back) of your property.
More disposable income
All of the above reasons I’ve listed for buying a tiny house have been focused on “less”. Less consumption, less money out of pocket. All of this leads to having more money in the bank at your disposal. If you write a list of your recurring expenses, you’ll quickly realize that costs associated with your home represent the majority of your expenses. By owning and living in a tiny house, you are slashing your living expenses at every level.
Ok, 11 reasons. I saved the best for last. When you own and live in a small house, you free up your two most precious resources, money and time, not to mention some of Earth’s most precious resources…water and energy. Does your current standard of living prevent you from working at the job you want? Does it prevent you from going on vacations and taking time off when you like? Do you have to sacrifice spending time doing exactly what you want simply to pay your bills? Are you worried about the Earth and environment and leaving it in good shape for those that follow us? By living in a tiny house, you free up money by cutting expenses in a big way. You use less natural resources. You free up time by spending less of it cleaning and maintaining your home. You trade square feet for freedom.
If you’ve been considering taking the leap into property investing, now’s the time. Use this secret technique to buy houses for back tax with little to no competition for less than $200.
1. Avoid attending the tax sale. Too many bidders means not enough good deals. You also have to buy houses for back tax sign unseen, if you buy at tax sale. This is far too risky for anyone – let alone a beginner.
2. Wait for the end of the redemption period. The end of the redemption period will be your golden time. Mortgage companies have already bailed out mortgaged property at this point, leaving free and clear property. The owners that are left, either can’t pay their taxes or don’t want to. It’s easy to buy houses for back tax from these folks.
3. Obtain the tax-delinquent owners’ contact info. There are a ton of sites on the internet that can help you accomplish this. You can then contact them however you like, but calling always works best.
4. Get the deed. Since they’re just letting the property go, ask if they’d sign the deed over to you. Offer them $200 to take the time to sign over the deed to you. And that’s it – they’ll say yes most of the time, and that’s it – you’ve just learned the secret technique to buy houses for back tax for $200.
5. Take your profits – pay the back taxes or quickly sell the property. Finally, pay off the back tax, or liquidate the property quickly. If you have the money, pay off the tax bill and try to sell for retail, or rent it out. You don’t have to pay the taxes – with $200 invested, you can afford to sell to another investor and still profit big-time!
Try the above method and you’ll be pleasantly surprised at the results. And with so many foreclosures occurring, this is an amazing time to buy houses for back taxes. They’re cheap, they’re everywhere, and there’s no reason you can’t be as successful as the rest of the handful of investors who use this secret technique.
The current foreclosure rate won’t last forever – take advantage of it now.
Are you thinking… should i short sale my house? Confused about the short sale vs foreclosure option to stop foreclosure?
I know you are not thinking clearly because you’re worried about stopping foreclosure, your family becoming homeless, having trouble sleeping at night due to worry, feeling stressed about making the wrong decision, embarrassed your neighbors may find out you’re facing foreclosure, worried about your credit report displaying you had a foreclosure & a really bad credit score.
How can you possibly think clearly with so many issues and worries you are facing at this moment? This is why I have taken out time, hours of preparation, research to help you get a quicker understanding of your options and avoid making a costly wrong decision.
Do You Really Understand… What Is A Short Sale?
It is one of your options, so when your property is sold, the money the lender gets from the sale is less than the balance you owe on the mortgage debt balance. So if you cannot afford to re-pay back the total liens, the holders of the liens will release it and accept the reduced amount that you currently owe on the house.
What Are The Tax Consequences Of A Short Sale?
The amount that’s being taxed is the forgiveness amount on the mortgage or the difference of the mortgage and the property’s final selling price. This is considered income by the IRS and a 1099 form from the lender will be provided after the short sale transaction.
There’s an exception which is called the Mortgage Forgiveness Debt Relief Act of 2007 which terminates this tax up to two million dollars which applies only to residential owner occupied real estate. For married couples who do their taxes separately, the limit is split between them. If someone does not qualify for this, the bank may agree to report the forgiven amount as a gift. In this case, the short sale cannot be taxed by the IRS.
Another alternative is to file for… bankruptcy or liquidation…!!!
How Does A Short Sale Work? – 7 Steps Short Sale Process
* You must contact the bank to discuss the policies and procedures.
* You must compose a letter to release documentation about the loan and the property. This information is distributed to the buyer and the escrow agency.
* The lender will examine the settlement statement which entails the selling price and what is left of the loan balance. Closing numbers such as commissions, fees, and expenses are included.
* You have to submit a hardship letter which will describe your financial problems. It is a good idea to refer to some short sale hardship letter examples to use as a guide before composing yours. It should be short (a few sentences) and not lengthy for easy reading. Make the reader feel the extreme anxiety as to why you can no longer afford the property. So it’s imperative to build a strong case. Most importantly do not blame the lender. Remember the goal is to request assistance and not to offend.
* These documents include banking statements, investment portfolios, employment paystubs and other financial records.
* The lender will consult with the broker to evaluate the structure of the house and how much it’s worth when comparing it to other properties.
* The lender will examine closely that the purchase agreement and commission amounts are agreeable to all the parties.
How Does A Short Sale Affect Your Credit?
If your credit score is important too you and wish to protect it at all cost then… this option is a safer bet for you since it is not as a serious as, when the bank forecloses on your property. The FICO score damage to your credit report is less.
Example: Your FICO can drop between 50 to 150 points Versus 210 to 420 points for a foreclosure
10 Advantages To Doing A Short Sale
* Top benefit is – Debt forgiveness which is when there is no monies owed after this transaction. For example, if your home is worth $200,000 and it’s sold for $100,000 the left over amount is cancelled by the banks. Also, what’s eliminated includes closing costs, taxes and other fees.
* You don’t have to pay rent or make mortgage payments during the short sale process
* You’re in the driver seat not the lender
* You’ll avoid the embarrassment and your credit report showing a foreclosure
* You can be up to date with your mortgage and still do a shortsale
* Your home will be sold like any other home in your neighborhood… it’s your secret
* Credit Score Damage… is less (FICO drops 50 points – 150 points Vs 210 to 420 for a foreclosure)
* Deficiency Judgement – can be avoided by making sure your lawyer or realtor has negotiated with your lender in writing to not come after you to collect the deficiency balance owed after you sell your property
* You can get Tax Forgiveness based on the Mortgage Forgiveness Debt Relief Act of 2007 (Note: Consult with a professional first accountant, IRS, to make sure yours will be forgiven.)
* You may qualify for some cash as a closing incentive. These cash incentives range from $2,000 to as high as $35,000 paid by some banks, HAFA, FHA (hud) to short sale your home. You can use this money you receive at closing for moving and relocation costs in addition to whatever you save up while you
didn’t make payments to the bank.
* You’ll end up with a lower living expense related to rental payments which will be less in most cases.
Disadvantages To Doing A Short Sale
* Cannot stay and save money as you will be expected to move out as soon the deal closes
* Potential tax consequences if you borrowed against your principal and used the funds for some thing else other then house related expenses, once again consult with a professional short sale lawyer, accountant to make sure you will not have to pay back taxes to IRS.
* If you have multiple lenders who may have a lien to your property is can make it extremely difficult to do a successful short sale. Make sure you check to see if you have more then one lender if so… slow down and consult with your attorney again to see if it is worth it to do the short sale
* A foreclosure can take six to twelve months, credit scores have a greater negative impact, and the waiting period of purchasing another home is five to seven years. In a short sale, the process can take one to six months, the penalties on the credit scores are less severe, and there’s a greater chance of purchasing a future home by re-applying for a new mortgage within two years.
2 Advantages To Letting The Bank Foreclose On Your House
You can stay longer in your property as opposed to a short sale. Save the money you would paying to your lender, you pocket it and save it to move out to your next new apartment with your family and start over with the least amount of hardship if you have some money at least to move on with your life after foreclosure.
3 Disadvantages To Letting The Bank Foreclose On Your House
* Top Disadvantage – associated with foreclosure is what it does to your credit score rating. A house foreclosure will appear on your credit report because it is a loan with the mortgage lender. As a result, for any credit in the foreseeable future, a financial institution will be able to see that you had a foreclosure which will remain on your credit record for at least 7 yrs.
* When the mortgage lender actually sells the house and is sold at an sum less than what is due to the lender, you are liable for this difference. If you are unable to pay the difference, then you may have to file for bankruptcy also.
* A foreclosure will be handled as a very serious blemish on your credit history. You will have a harder time getting a lender to lend you money to buy a house or even other personal items. Bottom line your credit history is “Killed” with one powerful shot.
* Job hunting will become more difficult. It is a known fact that potential new employers will look at your credit history background, in addition with some employers if they see a foreclosure on your record some employers will reject your application immediately regardless if you are the best man or woman for the job and position.
How Long Can You Stay In Your House After Foreclosure?
This differs state to state but in some instances it can be as long as four months to one year until the individual is forced to vacate indefinitely. This procedure in New York State falls under two categories which is judicial foreclosure and non-judicial foreclosure.
Judicial Foreclosure – Is when the lender filed a complaint against the borrower and obtain an order of sale from the court.
Non Judicial Foreclosure – Lender not required to file a complaint in court, is given authority to sell and foreclose quickly.
Which Of These 12 Foreclosure Alternatives Did You Skip Over That Can Hurt You?
* Refinancing is a challenge for the borrower having limited equity and poor credit.
* Reinstatement can make a loan current by paying the amounts due.
* Short term forbearance allows for the termination of up to three payments or a decreased amount until six months. When the forbearance time period is over, the seller must comply on a longer repayment plan to catch up on those payments missed.
* Long term forbearance is very similar to short term forbearance with a few exceptions. This is designed for severe neglect and permits a reduced in payment for four to twelve months
* Special Forbearance can schedule a repayment plan depending on the vendor’s financial portfolio. There may be a temporary decrease or postponement of the seller’s payments. The individual must have experienced a current unintentional cutback in income or living expenses have increased. Documentation must be submitted as proof.
* Deed in Lieu vs short sale – When a seller may be able to willingly return their residence to the lender. This may not salvage the home, but will assist their probability of obtaining another mortgage loan in the future. The owner can qualify under these guidelines: if they have not been paying and do not qualify for any other options, their attempt at selling the dwelling prior foreclosure failed, and they do not have another FHA (Federal Housing Administration) mortgage in default
* Cash Sale relies on the owner’s equity. This occurs when the seller gets cashed out on the residence and the whole thing is paid in full. The property needs to be given at a discounted amount so it can be a worthwhile investment.
* Repayment combines past due amounts with regular monthly payments
* Modification is when the owner and the mortgage company will have a written agreement which modifies some of the stipulations of the note
* Another strategy to stop foreclosure is to make an attempt to come up with a portion of the money to apply towards the shortage which is called the contribution figure or the good faith payment. The monetary amount is between thirty five to fifty percent of the total amount that’s needed to bring the loan up to date. This tip proves to the lender that you’re interested in having the loan in good standing.
13 Ways You Can Get Foreclosure Help
* Consult with a foreclosure defense attorney
* Real estate investors who buy houses for cash
* Special Program Options… Other Short Sale Alternatives & Insider Options Experts don’t want you to know about Pandel Enterprises 1-718-577-2782
* U.S. Department of Housing and Urban Development (HUD) Telephone: 1-800-569-4287
* Neighbor Works Spanish or English 1-888-995-HOPE
* National Community Reinvestment Coalition (NCRC) 202-628-8866
* National Council of LaRaza (NCLR) NCLR may be the biggest national Hispanic civil privileges and advocacy organization within the U.S. 202-785-1670
* Neighborhood Assistance Corporation of America (NACA) 1-888-302-NACA
* Fannie Mae’s HomeStay Program 1-877-722-6757
* Freddie Mac ” Don’t Borrow Trouble Program ”
* Nation’s Association of Consumer Advocates 1-202-452-1989
* Home Ownership Preservation Foundation
* Project Lifeline Initiative Contact Your Lender To See If They Offer It
There’s a wealth of information here and no one is expected to know everything overnight. These processes are complex, but with the appropriate real estate professionals working on your side, this anxiety provoking area should be clearer to comprehend and help answer your question on why should I short sale my house.
Home is your sanctuary. The place you go back to every night and somehow it doesn’t seem right. Your home is an expression of who you are and if you walk out each of a place that you does not seem to belong to you then probably your home needs improvement. You are probably guessing how you are going to make the payments for your home improvement. Your home remodeling plans are no longer to be restricted to the thought stages. Let them see the light of day. Home improvement loans will provide you with a dependable groundwork to build on the home you have a vision of.
Home improvement is predominantly triggered by the desire to own a comfortable home. Home improvement can be slightly difficult, if your financial position is tight. This is where home improvement loans have a function to perform. Being a homeowner you could not have been in a better position to apply for a home improvement loan. Home improvement loans are functional for any kind of improvement or home extension. Home improvement loan is available for double glazing, new conservatory, heating system, new kitchen, rewiring and plumbing or any home remodeling that you can think of. The cost of home improvements is generally paid by savings or revolving credits like credit or store cards. Credit cards imply no borrowing. In many ways it is idyllic for there are no repayments to be made. But credit cards can be an expensive option especially if the borrowing extends beyond the credit limit. Store card interest rates are as high as 30%. In every circumstance a personal loan for home improvement is a more disciplined and cheaper option.
Home improvement plans can be funded by means of a secured loan, unsecured loan, remortgaging or taking further advance on your mortgage. Unsecured home improvement offers a typical flat rate of interest 12-14%. But a little bit of research will get you an unsecured home improvement loan for 10%. A secured home improvement loan indisputably attracts lower rate of interest. APR of a secured loan is around 7%. You can borrow anything from £ 5,000 to £ 75,000 for home improvement. The repayment term can be extended from 5 years to 25 years depending on the loan amount, your available income and the amount of equity in the property.
In the contemporary context, one of the ingenious thing one can do with a home’s equity is to put it right back into the home. Home improvement is besides providing you with the much needed changes, increases the equity of your home. There has been a rise in home improvement loans in the past decade. If the property cannot be sold then home improvement is the answer. Home improvement is remarkable if your primary motive is to raise large amounts. But not every home improvement will improve the resale value of your home. So it is recommended that you stick to those home improvement plans that give you the maximum returns. It is important to remember that over enthusiasm with improvement won’t lead to any gain. It is difficult to recover investment in a home that is already more valuable than those in the neighbourhood. And keep your whimsical tastes to respite for there might not be many mainstream homebuyers for them.
Home improvement loan might seem like an unreal thing for many homeowners. But the newer more sophisticated home improvement loan options are very easy to adjust to. They are designed to keeping in mind the conditions and status of every homeowner. The ever expanding mortgage market gives you an opportunity to apply for a mortgage for home improvements and that too in the most uncomplicated manner. More and more homeowners are administering for remortgage to raise capital for home improvements. By completely remortgaging the consolidated loan, the entire mortgage market is assailable to the loan borrower. If you care enough to shop around then you can find a very reasonable and cheap mortgage loan for home improvement.
Home improvement loans are a package that includes any kind of meliorations that you can think of. It is your home and you have every right to improve it the way you want to. Contrary to accepted conviction home improvements are vital and absolutely necessary. Why home improvement? If that is what people ask when you suggest it then they probably don’t know what is the meaning of comfortable living is. Home improvements improve the quality of life. We work hard and save money to buy personal satisfaction and comfort. If the house that we have build does not provide the relief then perhaps home improvement is what you need.
Known for its Great Basin, the Rocky Mountains and the Colorado Plateau, the state of Utah in the USA has been blessed with geographical tourist attractions. It is also popular for its natural diversity ranging from arid deserts to pine forests that enables locals and tourists to enjoy recreational activities. This could be one of the alluring appeals why Utah real estate has been on the upward trend.
It is notable to consider that Utah’s Salt Lake City’s 46.35% housing is owned, 43.84% are rented, and 9.81% are the only vacant. This only means that it is conducive to live in Utah neighborhood with people choosing to buy their own homes there.
With its diverse community, there are wide range of choices of houses for sale in Utah, whether you are single, married, with kids, or still a student. Like in any other place to live, here is an array of kinds of houses to choose from:
There are lots of condominium units near the Brigham Young University or Provo University which is especially suitable for students. With exceptional top floor, vaulted ceiling, master bedroom with private bath, condominium owners can enjoy around a thousand square foot of space for more or less $100,000.
Great for working singles, Utah’s villas in the cities offers a generous space and great views. Usually a three to four-storey villas can cater more or less than 20 units and that means private and serene living. Brand new villas now come in 2 to 3 bedrooms, with vaulted ceilings, top floor, granite counters and stainless steel appliances. Prices range from $120,000 to $150,000.
Literally a “house in town”, Utah’s townhouses are popularly built and sold for starting families wanting a friendly and safe community. These terraced one or two-storey houses provide a spacious floor plan, high ceilings, beautiful paints, and a conditioned fireplace. These homes are also usually delighted with a clubhouse, a gym and a pool for more or less $150,000.
To feel and see Utah’s nature at its best, growing families opt to live in a sweet environment with a lawn and a backyard. These lovely houses provide both comfort and security where there are friendly neighbors always saying hello and children free to play and bike around. These usually two-storey Utah homes that come with a garden or a pool can be sold at price range from $200,000 to $400,000.
One of the best ways to selling your home is to have an open house while it is still furnished and homey looking. While you could just open the doors for people to see it as is, this is not usually the best idea. There are things that you can do to your home that will help you have a better open house which can result in a better chance of selling your home.
Paint – Paint is the cheapest and most effective way of making a house look nicer. While this process does take some time, it’s something that can really affect the sale of the home. Keep the colors neutral so they will appeal to a wider range of potential buyers. You don’t want to turn someone off by bright colors that they don’t like!
Professionally Clean Floors – There is something about professionally cleaned carpets. They look and smell fresher, plus they dry a lot faster than when you do it yourself. You can usually get a pretty good deal on whole house cleaning. Flooring is one thing that people really notice in a home, so if they are clean and bright it will make a huge difference.
Get Rid of the Clutter! Go through each room and survey how it looks from an outsider’s point of view. In an open house, less is more. People want to see some furnishings but don’t want to see clutter all over. They want to get an idea of what the space looks like and how their furnishings will look in it. Keep it simple and they will love it.
Create Mood Lighting. Let in natural light as much as possible and make sure each room is adequately lit. The kitchen and bathrooms should be bright, whereas family rooms and bedrooms can have low, mood lighting.
Remember Curb Appeal! Your home makes the first impression before you even open the door. More people will see the outside of you home than will ever see the inside, so take special care. Remove weeds and trash, power wash siding and brick, and sweep walks. Perhaps paint your front door so it looks fresh and inviting.
The Nose Knows – Make sure your home has a pleasant smell. Put bowls of potpourri or use scented candles in bathrooms and bedrooms. Put some cookies or bread dough in the oven for a fresh baked scent.
Small improvements can go a long way to make your home more presentable when hosting an open house. By making your home ready for visitors you will have a much better chance of selling it.
Houses for sale in Fredericton have struck an all-time peak, and there appears to be no letting up in the distant future. With the ease of listing, selling and turning a profit from a house sale, it seems that many have chose to do just this, with success. Fredericton is the capital of New Brunswick and has experienced substantial economic maturation over the past 10 – 15 years. That, coupled with a substantial housing market, has fueled a big residential construction upsurge. The southside of the city is the more populated side of the river, and just recently there is less and less areas to develop. The larger commercialized and residential developments are now occurring on the “northside” of Fredericton New Brunswick.
If you resolve that flipping over a house might be for you, then your first task will be to talk to a real estate agent. Agents in Fredericton are really well versed in marketing homes for sale and have a very powerful rapport with the community and possible buyers or customers. Selling in private is always an alternative, but taking advantage of a real estate’s portfolio and selling skills is by and large the better decision. After a brief conversation with a real estate agent you will get a good sense of comparable households for sale in your price range, and you will be better able to place yourself in the housing market. Fredericton extends many differing regions and houses for sale within them, so adding your uniqueness to the mix is essential to gain leverage in a good housing market.
After deciding on what price you will ask for your house, you must resolve on what offer you would or could go for to close a deal. Potential buyers rarely, if ever, give full price for the house they are about to buy. They tend to make an “offer”. A general guideline is to be willing to swallow anywhere from 5-10% less of what you are expecting. Fredericton New Brunswick has some of the most choosy buyers, so be prepared for the offer, some counter offerings as well as some rejections. This is a part of the business of selling your home in Fredericton.
If you get an offer that is near to your asking price, then it is time to consider your next purchase. It’s more then likely a good idea to stay with the identical agent that sold your household in Fredericton New Brunswick to purchase your next house. You are now going from the seller to the purchaser, and have a lot of insight into how the system works. Use all the insight you gained from selling your previous household, when you go to purchase your new house.
Pressure washing is a bit of a funny thing because it just looks so easy. Put on some head phones and a glass of iced tea and just go for it – right? This approach may work fine if you are a homeowner just looking to clean your sidewalks or something but this will not work if you make our loving as a pressure washing contractor in Houston like I do. Well, actually the iced tea and headphones are just fine!
To start, make sure you have a good water source, a sturdy garden hose and that your machine is full of gas before you start. Most power washers will probably run for a few hours with a full tank. Most professional power washers can run for six or more hours on a full tank of gas so be aware of how much fuel you have before you start or you may have to stop and make an annoying trip to fill up.
Begin by using the lowest possible pressure setting and evaluate how well it cleans. Some surfaces will respond quite well to low pressure, other will not. Some surfaces can stand up to higher pressure, others cannot. It is better to go “low and slow” and dial up the pressure later as needed that start off my ripping the paint off your house! Do everything you can to stay off a ladder – if you must use one make sure you have someone holding it for you.
Don’t forget the tea and head phones – they will keep you hydrated and help maintain your mental health while you go about what can be a slow moving and tedious chore around the house.
Do you think that your house needs a new roof or new carpets? Does the colour of your living room give you a gloomy feeling? Do you want to renovate your kitchen or may be you are looking for a room extension? Overall, all you want is a home improvement………..isn’t it? Now, you might be thinking from where to get the finances from? Home improvement is a costly affair and you don’t have enough of savings. Adding to it you have a bad credit history. After all, how do you get the required finance when your credit isn’t the greatest? Most of the borrowers lose their heart at such a situation and start presuming that they can’t go for home improvement because they have a bad credit history. What most of the borrowers probably don’t realize is that there are a number of financing options available and Bad Credit Home Improvement Loan is one of them. A Bad Credit Home Improvement Loan acts as the ideal solution for those who are looking for home improvement but have a bad credit history.
Bad Credit Home Improvement Loans are especially crafted to help you renovate your house the way you please, even when you have a bad credit history. A Bad Credit Home Improvement Loan can be used to make repairs to your home or real estate, or they can finance expansions, new buildings, or any number of home improvement projects that you want.
The amount that you want to borrow in Bad Credit Home Improvement Loans depends on the equity of your home or real estate. So, the more equity you have in your home the larger will be the amount you can borrow as Bad Credit Home Improvement Loans.
A wide range of sources like Banks, Financial companies, Brokers etc are available to help you access Bad Credit Home Improvement Loans. And, the easiest and the most convenient ways of finding out the best source for Bad Credit Home Improvement Loans are undoubtedly via the internet. You can access and compare a range of Bad Credit Home Improvement Loans by just a few clicks. It is advisable for you to assess and analyze each of the deals that come your way. This will not only reduce the chances of your falling prey to advertising gimmicks and unscrupulous lenders but it will also help you to avail the best rate for Bad Credit Home Improvement Loans.
A Bad credit Home Improvement Loan not only helps you to realize your dream and make your home, the envy of others but it also helps you to rebuild your credit history.
Small and Medium business now have access to Professional voice over artists at discounted rates thanks to a newly updated service from two new crowd sourcing websites run by The Voice Realm. This service was launched on Wednesday August 29th, 2013.
The site’s QUICKcast feature has been updated with new coding which allows the system to assist clients to cast the voice who is perfect for their script. Rates are discounted due to the fact that scripts must be final and re-records are limited.
With the voice over services industry slowly shifting over the past 10 years from casting directors and expensive recording studios, to professional voice over talents having access to free studios, talents can now pass on these savings to their clients.
Casting websites, such as The Voice Realm, allow clients to connect with these voice talents and have professional recordings within a matter of hours. A process that used to take days.
Small and medium business may need voice over recordings for applications such as on hold phone message and greetings, iPhone and iPad apps, corporate narrations. Some businesses are also required to produce their in house radio and television commercials.
Marketing Manager of The Voice Realm, Robert James says the service has been a hit with businesses that have never used a voice over service before. “Many clients don’t understand the whole casting process or anything about production. They just want a recording that is professionally made at a reasonable price. They are not particular about which voice they get, they just want it to be done right. They can now have the same voice over artist that appear on national radio and TV spots record their on-hold messages.”
Using the QUICKcast feature, cheap voice over rates for small recordings are $55 for a script of ‘Up to 30 seconds’ and $85 for a script of ‘Up to 60 seconds’.
The website also provides a growing number of voice over jobs for voice artists who are looking for professional online representation, rather than be listed amongst newcomers to the industry. The website has a very strict selection process to make sure that all actors are experienced, professional and reliable.
Whilst intuitively automated, websites like The Voice Realm has 24/7 customer support staff ready to help clients with any castings, bookings or auditions queries, all free of charge.
To ensure first that clients have the right voice for their script, they can audition voice talents with no commitment or initial payment.
The updated QUICKcast feature is now live and accessible at http://www.thevoicerealm.com/quickcast.php