Mobile And Manufactured Home Loans And Financing For Seniors

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]

S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows

Key Insights
The strong pullback in the U.S. dollar provided significant support to stocks.
Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.
A move above 3730 will push S&P 500 towards the resistance level at 3760.
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Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines
S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.

The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.

Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.

Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.

Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.

From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.

S&P 500 Tests Resistance At 3730

S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.

If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.

On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.

Nutritional Supplements Are Important For Optimal Health

It’s estimated we are receiving only 40 percent of the nutritional value of food nowadays. Some reports suggest this is untrue while many reports go even farther by saying this figure is actually lower. In any case, unless you are fortunate enough to have a garden close by with organic fresh food you can harvest and eat on a daily basis, I believe the food available in the supermarket does indeed lack in nutrition.Many fresh foods travel great distances and many foods are processed to increase shelf life. To obtain the highest possible yield, producers are forced to rely on chemical fertilizers and pesticides for their crops, while other producers use growth hormones, antibiotics, and inhumane confinement for animal production. (By the way, from what I understand about antibiotics given to animals destined for the dinner table…they are not necessary if the animals are kept in clean, un-crowded environments where they are able to stretch their legs and get fresh air and sunshine daily. Another reason to shop organic.)The availability of high-calorie, high-fat, high-sugar, and low-fibre foods has rapidly become commonplace, and growing concern with processed foods is they are becoming much less expensive than nutrient-dense foods such as fruits and vegetables. The availability and lower price of processed and energy-dense foods rich in sugar and fat makes them appealing to the pocket book as well as the taste buds, but not without consequences. Obesity, heart disease, arthritis, diabetes and other chronic conditions are gaining a stronghold in North America and researchers are now beginning to admit that diet plays a huge role in the prevention and treatment of disease.Balance, variety, and moderation are the keys to a healthful diet. A balanced proportion of foods from the different food groups, a variety of foods from within the different food groups, and moderation in the consumption of any food should provide us with the nutrients we need to sustain life.Although developments in the food industry over time have improved food quality and safety, there are still concerns over the nutritional content the food actually contains. Nutrients should come primarily from the foods we eat, but it’s becoming increasingly difficult to find foods that have not been grown in nutritionally challenged soils. Decades of poor agricultural practices are depleting foods of the nutrients we need for optimal health and wellness.
This is why nutritional supplements are important.Nutritional supplements are designed to provide nutrients, both essential and non-essential, that you may not be getting from your diet. Also known as dietary supplements, nutritional supplements are an important part of a balanced health regime and can offer significant health benefits. They can help to correct nutritional deficiencies and help boost the immune system, and there is growing scientific evidence supporting the benefits of nutritional supplements and their role in maintaining optimal health.Nutritional and dietary supplements are big business. It’s estimated that over twenty-five billions dollars a year is spent in the United States alone on natural health products. So which supplements should you look for and which are safe to take?In the United States, the FDA regulates dietary supplements. According to their website, “dietary supplements (are regulated) under a different set of regulations than those covering “conventional” foods and drug products (prescription and Over-the-Counter). Under the Dietary Supplement Health and Education Act of 1994 (DSHEA), the dietary supplement manufacturer is responsible for ensuring that a dietary supplement is safe before it is marketed. FDA is responsible for taking action against any unsafe dietary supplement product after it reaches the market. Generally, manufacturers do not need to register their products with FDA nor get FDA approval before producing or selling dietary supplements. * Manufacturers must make sure that product label information is truthful and not misleading. *Domestic and foreign facilities that manufacture/process, pack, or hold food for human or animal consumption in the United States are required to register their facility with the FDA.”Although “the manufacturer is responsible for ensuring that its dietary supplement products are safe before they are marketed” and “there are no provisions in the law for FDA to “approve” dietary supplements for safety or effectiveness before they reach the consumer”, it’s important to purchase nutritional supplements from a reputable company who has been in busy for many years. You can also read more on FDA regulations with regards to dietary supplements on the FDA website.In Canada, the laws are much more stringent. On January 1, 2004 The Natural Health Products Regulations came into effect and apply to all natural health products. Products defined in the Regulations as natural health products include vitamins, minerals, herbal remedies, probiotics, homeopathic medicines, traditional medicines (such as Traditional Chinese Medicines), amino acids and essential fatty acids.Natural health products that fall under these regulations require an NPN (Natural Product Number). Once Health Canada has assessed the product, an eight digit product license number, preceded by the letters “NPN” will appear on the label informing consumers that Health Canada has reviewed the product for safety, quality, and health claims, and the product has been approved to be marketed under the Natural Health Products Regulations and has authorized the product for sale in Canada. The Natural Health Product Directorate (NHPD) is the regulating authority for health products for sale in Canada.Nutritional supplements that are considered food products or whole-food concentrates come under the regulations of the Canadian Food Inspection Agency (CFIA) and do not require NPNs. When purchasing nutritional supplements look for a Natural Product Number (NPN) on the label to ensure the product has met the requirements of Health Canada, and also make sure the company selling the product is a reputable company with a good track record.Including nutritional supplements in your diet and daily health regime doesn’t need to be hard or cost a lot of money. Many companies offer high quality supplements at reasonable prices and it only takes a few minutes to mix up a healthy “green drink” from a barley grass juice concentrate such as AIM BarleyLife® or include a supplement caplet such as Kyolic® Aged Garlic Extract™ with your meal.There are many health benefits nutritional supplements have to offer. In these modern times, with the convenience, cost and available of fast and processed foods, poor dietary habits and the questionable nutrition content of nutrient-dense foods, nutritional supplements are becoming increasingly popular as an addition to complement the diet. Simply put, nutritional supplements are important for optimal health.AIM provides a variety of superior whole food concentrates and nutritional supplements to support a healthy lifestyle, strengthen the immune system, and nourish your cells, and AIM Members enjoy the benefits of wholesale pricing.As Members of AIM Canada, we have a dedicated team of knowledgeable people keeping on top of all the legislation and regulations, ensuring AIM Canada is compliant, so we will continue to have the right to use and share natural health products to protect our health and the health of others who wish to use Natural Health Products.To date AIM Canada has acquired eleven NPNs with nine other AIM products in the licensing process. Food products such as AIM BarleyLife®, LeafGreens®, Just Carrots®, ProPeas™ and RediBeets® come under the regulations of the Canadian Food Inspection Agency (CFIA) and do not require NPNs.