I am a Professional Housing Consultant (P.H.C.) certified by the Manufactured Housing Association and have spent many years in the manufactured home industry as a sales representative /sales manager for retail sales centers. Because of my vast experience, I would like to share some financing tips with seniors like myself. Let me begin by going back about ten or fifteen years ago. The
manufactured home industry was booming. There were many finance companies available all of which were competing for your business. They would finance almost anyone at a high interest rate and with little or no down payment. The retailers would take almost anything and show it as a down payment and highly inflate the value. As a result this category of customer would have no investment in their home. To make matters even worse the communities were offering free lot rent for one year or more.Most of us in the industry knew what was going to happen. However, no one knew when
it would happen. It eventually came to pass in the ’90′s…….a large majority of these owners simply walked away and let their homes be repossessed by the finance companiesAs a net result of all these repossessions most of the finance companies either went bankrupt or stopped lending to any mobile or manufactured home owner. Many retailers also went out of business. I happened to work for the largest manufactured home retailer and manufacturer in the world at that time. They also had to file bankruptcy and ended up going out of business.Now let’s talk about the good part of the industry, seniors like you and me!Many of us secured our home investment by either paying cash or putting down a substantial down payment with the result being that most of us are enjoying our investment and our
lifestyles today.However, those unexpected bills or rising costs keep coming in. There are a number of seniors that have had to leave their comfortable homes and go live with their children.
Many have had to give up the activities they like to do. Some have lost a spouse and some income.Let me explain how I handled my situation as unexpected bills came in.FirstI located a finance company that wanted my business.This information is available at my websites listed at the bottom of this article.SecondI borrowed fifty thousand dollars on my home with payments amortized over thirty years with interest only payments for the first seven years.ThirdI paid off all my bills which amounted to about eight thousand dollars.FourthI opened an interest bearing savings account, depositing five thousand dollars. This cash would be readily available for any emergency that arose.FifthI put thirty-seven thousand into a high yield certificate of deposit.Now, for more good news………The finance companies, by law, cannot age discriminate just because you are a senior.I will be one hundred two years old when my mortgage ends.My out pocket expense is
no higher now than it was before I refinanced.You may go to any of my websites while still on line to see if financing or refinancing is right for you. This will direct you to the companies I recommend. There also is an excellent insurance contact on the site. I received three quotes from them and put my car and home owners insurance with the same company and therefore saved a substantial amount of dollars on the home insurance.These websites contain all the information you will need to make a wise decision.Free Finance or Refinance
QuoteFree loan or insurance Quote [http://www.homeowners-choice.com]
Mobile And Manufactured Home Loans And Financing For Seniors
The Benefits Of Online Travel Booking
The age of the internet has provided a wide range of conveniences and nowadays, people make travel plans without leaving the comfort of their homes. As long as you posses an internet connection, you are able to plan your holiday without leaving your home. In this rapidly advancing world, making online travel booking has become particularly common. It is not only making travel reservations that you can do through the online systems, but also making vacation package deals.Traveling from one place to another is now trouble free and you ought not to wait till you arrive at your destination to book your hotel. Travelers do not also have to rely on the telephones, which might not be reliable. The internet is more trustworthy since there is little chance of mixing up your reservation or forgetting to fill in reservations log, as compared to dealing with individuals. You are going to get information immediately when you make your booking online.Benefits of online travel booking
Firstly, the internet has numerous websites that claim to offer best online travel deals. Therefore, this has significantly enhanced competition among different companies offering this service, and the best part of this is that the traveler benefits from this. They are coming with better services to stay in business by providing excellent online travel deals to clients. The majority of websites have agreements with the main airlines that offer them discount and other bargains. The websites will pass a portion of the discounts to the clients, and as a result, the client gets cheaper flights when compared to travel agents who also charge their commission on the tickets.You will normally have the opportunity of comparing the costs of travel portals and numerous websites. You may also try different packages introduced by them. These include car rentals, hotel stay among others. There are some travel review websites reviewing many hotels and airlines. You may peruse these reviews prior to booking your ticket. Another main benefit of online travel booking is that you are able to book them anywhere at any time. You may check the flight’s status from your home.You do not have to remit any fees or commission to anyone. Majority of airlines have their websites today that will show you its flight’s status and available seats. The sites have also begun voice support service, and you can now contact customer care service when you have any reservation related to your bookings. Another advantage of online travel booking is that it is extremely convenient and safe than ever before. People have reported a decrease in the number of credit card frauds and scams. Credit card payment today has become one of the most secure alternatives to pay online. Therefore, you are certain of trouble free travel ahead.It is, however, advised that when making your reservations online, you must always make sure that you are dealing with a reputable site. In a majority of cases, you will be needed to pay through your credit card. In order to avoid your money and information falling into unscrupulous hands, you should only deal with the hotel’s official website. You should be cautious not to pay any money to sites that claim to be working on behalf of the hotel.
Pharmacy Search Engines – An Indispensable Tool
Over the past few years, online pharmacies have become a preferable alternative to the community drugstores. The increased degree of convenience and safety has made them an instant favorite among the consumers. However, the growth of online pharmacy business led some unscrupulous people in launching illegal websites offering below par products and services. Most patients are often lured by their tall claims and end up getting cheated by these pharmacies. The growing number of such illegal Internet pharmacies has made it difficult for the patients to track down the legitimate ones where they can place their orders.Though all legal pharmacies are licensed and approved by an external authoritative body and generally have a link on their website in support of that, it is practically a cumbersome process for the patients to scrutinize each and every pharmacy website to get a proof of their legitimacy. Under such a scenario, a pharmacy search engine can prove to be an indispensable tool for the patients.A pharmacy search engine offers an interface with a search box in it. The users need to type in the drug name in that search box and click on the search button to get a list of pharmacies dealing in that specific drug. Pharmacy/ Medicine search engines maintain a database that includes all legal and authorized pharmacies operating over the Internet and discounts all the illegal ones. On entering a drug name in the search box, the search engine checks its database and compiles a list of all the Internet pharmacies dealing in that drug. It then returns a list of such pharmacies to users along with the prices offered by them.The usage of a medicine search engine may look similar to that of the traditional search engines like Google or Yahoo. The difference is in the generated results for a search query. On a specific drug query, the traditional search engines may or may not return a result set comprising of online pharmacies. Moreover, patients can never be sure of the credibility of the pharmacies listed in the result sets, as some professionals specializing in search engine algorithms can push their positions right at the top. Pharmacy search engines, on the other hand will return more specific results showcasing various licensed online pharmacies dealing in such a drug.Such results even give an overview of the current stock status, discounts applicable and prices charged by the listed pharmacies. The patients just need to scroll through the results to find the pharmacy that complies with their requirement. A single click of the mouse on the selected result either directs them to the pharmacy website or allows them to place the order directly from the website offering such a search service.Medicine search engines serve as common platform for both the pharmacists as well as the patients. It is a media through which the online pharmacies can showcase their products vis-à-vis the other pharmacies. The patients on the other hand are assured of the credibility of the pharmacies that are returned as a result set for a specific drug query.