Enjoying A Solar Bird Bath

General No Comments »

A solar bird bath placed in a garden is a wonderful way to attract the birds to your backyard. The solar bird bath incorporates a number of options that a regular bird bath does not. They include lighting for night time use, a water fountain for soothing sounds of water, and a heater can be installed that helps prevent the water from freezing during the winter months.  

Some solar bird baths come fully self-contained which means the solar panels are built into the unit. Some other units have solar panels that are separate from the unit but are attached using a wire. A self-contained bird bath will have to be placed in a sunny area that will absorb the suns energy. The other type of solar bird bath can sit anywhere in your garden, even the shade, but be sure to place the solar panel in the sun to absorb the energy.   

The solar bird bath will only operate if the panel is receiving the suns energy; unfortunately on rainy days or cloudy days the bird bath will not operate. A small battery pack can be installed in the bird bath in order to operate on these days or during the night. In order for the solar bird bath pump to operate underwater the water needs to be clear of all debris. If you live in the north where you have freezing days during the winter you may want to install a heater in the solar bird bath so the water will not freeze. The bird bath pumps must be protected from freezing.

Sometimes a solar water fountain can be used as a bird bath, self-contained or not, because the sounds they make are the same as the solar bird bath and will still attract wildbirds. Water is just as valuable to the birds as their shelter and food if you want them coming around your patio or garden. The birds are attracted by the sound of running or moving water and not water that is standing still. The only thing you will attract with stagnant water is mosquitoes looking for a spot to lay their eggs.   

A heated solar bird bath keeps the water just warm enough so it will not freeze. Even in the winter, the birds need to keep the feathers clean; installing a solar heated bird bath is much better for the birds. These solar bird baths that are heated are better suited in the areas that have problems with water freezing.

The benefits of a solar bird bath are:

If they are self-contained there is no installation. There is no energy cost. They can be moved around easily. No operating costs.

It can be very relaxing to watch the birds come visit a solar bird bath. Sometimes it is for a bath or just a drink; it is very interesting to see how they take care of themselves and interact with other birds.

Real Estate Investment Success Series Tip #4 -how To Spot A Real Estate Investment Bargain

Real Estate No Comments »
finance bargain properties


This article is part of the Real Estate Investment Success Series and continues from http://www.realestateinvestment101.info/commercialpropertyinvestment.html

As mentioned in our previous article, like in value investing in stocks as made popular by Benjamin Graham, money is made in the purchase of real estate investment property. You want therefore to purchase property with good rental yield and that is at a discount relative to the surrounding area. This article identifies three ways to find a below market real estate deal so that you can either resell it later at a higher price or enjoy lower mortgage instalment payments and from that a greater cash flow.

Method #1- Distress sales and foreclosure

The general rule of thumb in real estate investment is that the target property might sell for a price lower than the areas average if the owner is in distress. There are two possible situations that you might want to look out for so that you can negotiate with the owner to reduce their asking price.

Firstly, look out for mortgage foreclosures on property and monitor the property auction sites. Banks may under-finance property meaning that they might not want to risk financing the property and then have to sell the property at a loss during a recession (negative equity situation). So what happens is when the mortgagor (the owner) is in default of his mortgage, the bank would foreclose the property and auction off the property and sell it off. Note that under the common law, while the bank is supposed to get the best value for the owner, this sometimes does not happen and the best way the bank can discharge its liability is to auction off the property.

As we can tell from the above analysis, the bank usually just wants to get the selling price enough to cover the outstanding mortgage and so the reserve price for such auctions may be below valuation prices. Spend some time attending such real estate auctions and it could pay off in helping you get a property at below market value.

Method #2- Migration

When people want to migrate out of a country fast, there is a high chance that they will not be picky about what price the property can fetch. These people generally want to sell off their property fast and the first prospective buyer that appears on the horizon for their real estate would usually benefit from this. On your part, you would want to get an independent valuation of the real estate and then make an offer.

Ann wanted a property near the city’s amenities and was looking for such a property. There was a family that was moving over to France and sold it to her at a bargain. It turned out that what that family wanted was hard cash fast so that they could move out. Ann gave it to them and all parties were very satisfied. Thus bargains can be found if you know more about your seller’s reason for selling.

Method #3- Look for landlords with attitude problems

This strategy is rooted in human nature and you may chuckle when you hear it. In some areas, some properties are always yielding lower rentals than other places and this might be because of the landlord rather than any other fundamental reason. If the landlord has a bad temper for instance and then finds it hard to get tenants who can stay, might try to entice present tenants to stay with lower rentals. This would therefore translate into a lower valuation for the property. At the point where you appear on the scene, some of these sellers are willing to accept a lower price to get a problem off their hands.

Things to note with this real estate investment method include spending some time with neighbours staying around the property in question to find out any hidden defects, bad tenants or crime related problems that the owner may not be telling you about the area. It may not be all the landlord’s fault.

In conclusion, we have spotted three ways that you can take into account when analyzing a real estate investment. Real estate investment can be said to be like any other form of shopping as you want the best quality for the lowest price. But do not be let paralysis by analysis stop you from taking action. Here’s wishing you all the best in your real estate investment endeavours!



Joel Teo takes a keen interest in real estate investment as part of a larger investment portfolio. For more tips on real estate investing check out our real estate investment success series

Kids Combo: School Bag with 3 Pencil Colour Sets+Pencil Box+Desk Sharpener

General No Comments »

Article by BindaasBargain

Kids Combo: School Bag with 3 Pencil Colour Sets+Pencil Box+Desk Sharpener

School Time

Bag the box, pack all stocks

Years have passed but I still remember the morning when I packed a small, bright-pink school bag. Fondly, I had put a bright-yellow ‘Book of 1000 Words’, a bright-green pencil box, a bright-red sharpener and a pack of bright colour pencils in it. It was the morning of my little daughter Alyssa’s first day in kindergarten and everything had to be bright that day. As I carefully zipped the school bag and slung it on her delicate little shoulders, I remembered the moment when Alyssa had pointed at my PC screen saying, “Mumma, I want that bag…and that shopner…and those colours also!”

It was the Kids’ School Bag Combo on Bindaas Bargain. It was the perfect school kit for my darling – something that would attract her instantly and yet with very soft, adjustable straps and three zipped pockets would be very light and comfortable to use and carry. Without much thought I clicked the ‘I Want One’ button. It’s rare to see a child so excited about school. But my darling was different. I was overjoyed to see her so gleeful after I made the purchase. It was a moment that I would remember for life. Alyssa smiled at me, little hands clutching the straps of her schoolbag and tiny feet taking quick impish steps towards the school gate. Soon the School Bag Kit became her most prized possession.

Her excitement was immeasurable once she sat with her School Bag Kit. Allowing nobody else to touch her stuff, Alyssa would open her school bag, take out her drawing book, the pencil box and the set of colours (that were a part of the combo) and sit to draw. Using the sharpener (or ‘shopner’ as she called it) she rolled out rings after rings of colourful saw-dust, her little fingers smoothly rotating the sharpener-handle. Moreover, as the sharpener was fixed to her desk, it removed my initial hitch about Alyssa getting hurt or the pencil not being sharpened properly. She would use the colour pencils to fill the blank pages of her drawing book with colourful figments of her imagination. Her smile would grow wider as little colourful lines turned into houses, flowers, pets and then mumma and papa. The multi-pouch pencil box that came with the School Bag Combo was used to keep, lots of pencils, lots of erasers and lots of badges, clips, ribbons and what not!

The School Bag Combo was like her treasure box – full of colourful wonders! So precious, Alyssa would keep it by her side even when she went to bed.

Read full story here at: http://www.bindaasbargain.com/blog/Kids-Combo–School-Bag-with-3-Pencil-Colour-Sets-Pencil-Box-Desk-Sharpner

Save Money on Mortgage Rates

Homebuying guide No Comments »
Local mortgage rates


Are you in the market for a new house, or thinking about refinancing your current home?  You can save money on mortgage rates by shopping around for the best quotes.  This can take days, or weeks of your precious time on the telephone and visiting the lenders to get the information you need, then compiling them so that you can compare your findings against each other, but there is an easier way.

You can get mortgage rate quotes online in masses, and fast, too.  Just by putting in some basic information about the mortgage you want, you can retrieve instant results of anywhere from 25 to more than 100 lenders, which are listed so that you can easily compare them.  You can do this without entering any of your personal information, too.  It doesn’t get any quicker or easier than this. Visit www.buildwish.com and select get free quotes / mortgages.

The process of finding home mortgage quotes online is simpler than you might think.  The first thing you do is enter your loan amount.  If you are unsure of the amount you will need, type in a reasonable amount based on your home searches.  If you are finding that the homes you like are around $200,000, then use that amount minus any down payment you have to put toward it as your loan amount.  It doesn’t have to be exact.   

The next thing you need is the property value.  Again, if you are still in the search phase for your new home, then make up a reasonable amount.  If you are refinancing, put in the current value of your home.  An appraisal is a good way to find your current home value, but an appraisal will be necessary to obtain a mortgage and this will be double the cost if you get one on your own and then the mortgage company wants a new one.  Estimate the current value of your home based on the last appraisal and what other homes like yours are selling for in your area.

Finally, type in the zip code of your home or the zip code of the area you would like to buy a home in.  If you only know the city, you can easily look up zip codes online for that city or you can give your local post office a call.  That is all the information you should ever need to give when searching for home mortgage quotes online.

Once you click submit you will be given a list of lenders and their current rates to choose from in an easy to read and compare format.  Simply choose the lender that best fits your needs and you can apply online for your new mortgage.  If you’re not ready for a mortgage right away, but were just checking for quotes, save the website that you searched, but don’t count on the rates being the same the next time you look.  Mortgage interest rates change on a daily basis so be prepared to search again when you are ready.  An early mortgage search can give you an idea of which lenders best fit your needs, and which ones will save you the most money when refinancing or buying your new home.

For more Information on this topic visit www.buildwish.com a free Online Home & Garden Renovation & Design Directory in 100 Cities in North America. Featuring millions of Real Estate Classifieds, Helpful Articles, Contests, Virtual home tools, Qualified Trades, Forums, a moving center, free quotes for Insurance, Moving, Mortgages, Contractors, Find Foreclosures and Much More!

 



A Real Estate Agent & Interior Designer for 20 years. Writing articles about Real Estate & Home improvement.

FHA home loans are alternatives to conventional financing 97% down to 530 FICO

Home financing No Comments »
home loans


FHA home loans are alternatives to conventional financing for your Florida home purchase. The FHA (Federal Housing Administration) helps to make low cost Florida home loans available to thousands of new Florida  and current Florida homeowners each year. FHA mortgage loans require minimal down payments of only 3% and the interest rate is typically better than prevailing conventional mortgage rates.

For the Florida home buyer the FHA program can simplify the purchase of buying a home, making financing easier and less expensive than a conventional mortgage. Some additional highlights of the Florida FHA mortgage program include:

Minimal Down Payment and Closing costs.

Down payment less than 3% of Sales Price Gifts are allowed Seller can credit up to 6% of sales price towards closing and prepaid costs. 100% Financing available No reserves required. FHA regulated closing costs.

Easier Credit Qualifying Guidelines such as:

  No minimum FICO score or credit score requirements. FHA will allow a home purchase 2 year after a Bankruptcy. FHA will allow a home purchase 3 years after a Foreclosure.

 The FHA currently insures more than a million Florida mortgage loans. The FHA  agency has helped originate more than 33 million since it was created in 1934. The FHA mortgage program does not fund the mortgage loans itself. However, FHA insurances private FHA mortgage  lenders so they will not incur any loss if the Florida mortgage applicant defaults. In this way, FHA mortgage lenders are encouraged to make loans to low and middle income Florida mortgage to whom they would not otherwise extend a mortgage loan..

Florida homebuyers of single family homes can put as little as 3% and the seller can over up to 6% of the buyers closing cost and prepaid taxes and insurance. Good credit history is not necessary to qualify for FHA financing, although is definitely a “PLUS.” Income to loan payment, and to total monthly payment, ratio requirements make it easier to qualify than for conventional mortgage loan. Visit http://www.fhamortgageprograms.com/ to learn more about FHA qualifying in Florida.

This sounds pretty good, right? But keep in mind that  FHA requires that Florida homes be in livable, habitable, moving condition Largely because of this, most Florida sellers will not accept an offer if the buyer intends to obtain an FHA mortgage . The acronym “FHA” unfortunately has acquired bad connotations for many real estate professionals and their clients.

Also, the FHA severely limits how much the lender can charge in fees. The bank cannot lose money because of the FHA insurance. However, it cannot profit as much as when it commits its money to other mortgage loans. Lenders have to be FHA-approved in order to make FHA mortgage loans. Few Florida mortgage lenders are FHA approved..

However, there is a big exception to this circumstance. The FHA serves locales (and, of course, the people who wish to obtain FHA financing for homes in these areas) that would not otherwise be attractive to Florida mortgage lenders. Most very large, big city lenders are FHA-approved, and a significant portion of the home loans that they originate are FHA mortgage loans.

http://www.FHAmortgageFHAloan.com



http://www.fhamortgageprograms.com/florida/
http://www.fhamortgageprograms.com/florida/Marathon/
http://www.fhamortgageprograms.com/florida/Sarasota/
http://www.fhamortgageprograms.com/florida/Gainesville/
http://www.fhamortgageprograms.com/florida/Panama-City/
http://www.trulia.com/blog/mike_brasco/2009/05/florida_fha_loan_florida
http://www.trulia.com/blog/phil_myers/2009/05/florida_fha_loan_florida
http://www.fhamortgageprograms.com/florida/Orlando/
http://www.fhamortgageprograms.com/florida/Punta-Gorda/
http://www.fhamortgageprograms.com/mortgage/fha-loan-program.shtml
http://www.fhamortgagefhaloan.com/