Looking for a magazine for mobile home owners, they have mags. for old homes, log homes, country homes, beach homes, even apt. living.. Just want one for us mobile home owners.

The mobile Home parks around here all distribute a monthly called the Newsette that is personalized for each park. It is not something you can subscribe to, so I know it isn’t what you are looking for, but I don’t think there is any such animal. The Newsette, is not very interesting and is mostly advertisements anyway.

In another week or less on January 11, 2010 the release of a great new product for all of us internet marketers looking to break out into financial success and that product is Niche Blueprint. This is the second time for this product but it is coming with many updated items and also some great new tools. If you would like to read the Niche Blueprint 2.0 Review just visit my site at wwwcommissionblueprint2.com

Now if you are just starting out in the internet marketing arena, I suggest taking a few baby steps and that means starting out with the Mining Money Online program that is taylored just for newbies in the affiliate marketing business and it comes at a price that every one can afford of $77

My husband (25) and myself (27) had bought our first home (a nice townhouse) about three years ago. The townhouses in my area are already selling for about $30,000 more than what we had bought ours for. We just found this really nice ranch home we love, right across the street from my hubby’s grandmother’s home and my hubby actually knows the man who is selling it pretty well. Anyway, we’re really interested in going ahead and purchasing this home. What are the steps to go about getting a new home. I remember how stressful it was to buy our first home – and that was half as bad, because we were just in an apartment before. So I’m really anxious and have no idea where to begin. Any advice? Thanks!
By the way, our townhouse is not yet on the market.
I’m scared of going ahead and planning on buying another home and then having my home end up not selling, etc.

It is possible to acquire a loan to buy that ranch house even though you currently own a home. You can finance it as a second or vacation home as long as you qualify for the loan. If you have equity in your home and want to use it as a down payment, then a bridge loan might be the answer. A bridge loan allows you to pull equity out of your existing house for the purposes of buying another house. Usually, the payments are escrowed so there are no out of pocket payments for 6 to 9 months. After that period the loan is due in full. What I suggest you do is sell the townhouse first before entering into a purchase contract or at least have a qualified buyer commit to buy your townhouse. I have seen this dream turn into a nightmare for so many people. They find a house they want and buy it thinking that they will sell thier present property with no problem. Months later, they can’t sell the house no matter what they do, and they are stuck making two mortgage payments that is crippling them financially. Unfortuantley its a scenario I see alot. I have one client that owns 6 properties that he can’t sell. His wife left with the kids and she filed for divorce.

In another week or less on January 11, 2010 the release of a great new product for all of us internet marketers looking to break out into financial success and that product is Niche Blueprint. This is the second time for this product but it is coming with many updated items and also some great new tools. If you would like to read the Niche Blueprint 2.0 Review just visit my site at wwwcommissionblueprint2.com

Now if you are just starting out in the Internet Marketing arena, I suggest taking a few baby steps and that means starting out with the Mining Money Online program that is taylored just for newbies in the affiliate marketing business and it comes at a price that every one can afford of $77

Talk with a real estate professional that is familiar with the buying trends in your area. There are many real estate agents but most of them are just salemen that are looking for a commission and aren’t worried about your financial future. If the real estate agent is honest, they will tell you how long it is taking for similar properties to sell in your area. I have seen properties stay on the market for over a year but that will depend on whats going on in your neck of the woods. I know you may want to jump on the house right away but having some emotional intelligence will be important. Think about what your current bills are and ask yourself if you could afford another mortgage payment and for how long. If you can’t afford the worse case sceanrio, then you may want to make sure your townhouse sells before you get into that ranch house.

Hope this helps.

Mortgage and Finance Professional 8 years.

I am looking a homes to buy, but I want an all electric home, with electric heat, air, stove, ect. Most of the homes in my area run on gas. Is it possible to convert a most gas home into a home run by electric? If it is possible, what is the process and how much do you think the cost would be?
Thanks!

It is far easier and cheaper to convert a gas home to electric, than an electric home to gas.

Consider the major applicances you will need to switch, most which can be done without major contracting and investment:

Stove: Electric stove will cost you about $300-800 depending on the model you choose. If you do not have 230/240v power in the kitchen, it will cost you about $600 to have a liscenced contractor run this wire.

In another week or less on January 11, 2010 the release of a great new product for all of us internet marketers looking to break out into financial success and that product is Niche Blueprint. This is the second time for this product but it is coming with many updated items and also some great new tools. If you would like to read the Niche Blueprint 2.0 Review just visit my site at wwwcommissionblueprint2.com

Now if you are just starting out in the Internet Marketing arena, I suggest taking a few baby steps and that means starting out with the Mining Money Online program that is taylored just for newbies in the affiliate marketing business and it comes at a price that every one can afford of $77

Water Heater: Cost of a new water heater will be $200-600 depending on model and capacity. Lower cost models will run on 120V, probably no need to rewire, or at most, $200 to run a 120/230v line in your garage or where the heater is.

Furnace: This is the biggie……….converting to electric from gas will probably run you $1000-2000 because of the complexity involved with where a furnace is, how much is involved.

Hope you will leave the fireplace as gas……..electric ones dont look good!

We all agree, purchasing a home will be, for most of us, the largest purchase you will make in our life. You have found your future Home, arranged for financing and are now waiting for the closing date. But to many people’s surprise, there are other monies that will need to be disbursed before or on the closing date.

Some of the upfront costs you should plan on paying when purchasing a home include appraisals, inspections, earnest money, lenders fees, title company fees, and attorney fees. It is vital that you plan for these fees – speak to your real estate professional or your lender who will be able to outline and estimate all of these costs for you. The total cost of these various expenses and fees can run into the thousands and even the tens of thousands of dollars. It pays to be prepared.

You must also be careful of the 100% mortgages or no-money down loans. A no-money down loan does not mean that there aren’t any costs associated with the loan. In reality, these types of loans allow the buyer to borrow 100% of the purchase price of the home however the buyer is still responsible for the numerous other costs mentioned above.

You should also keep in mind that you will have to pay a portion if not all of that year’s property taxes. Typically, property taxes are called on and required to be paid in full as the home closes. A buyer, upon closing the home, will be called to pay his/her share of the annual bill as it is pro-rated. You may want to enquire about the property taxes of a specific house, or neighborhood, before signing the purchasing contract. Some neighborhoods are taxed more heavily than others.

In another week or less on January 11, 2010 the release of a great new product for all of us internet marketers looking to break out into financial success and that product is Niche Blueprint. This is the second time for this product but it is coming with many updated items and also some great new tools. If you would like to read the Niche Blueprint 2.0 Review just visit my site at wwwcommissionblueprint2.com

Now if you are just starting out in the internet marketing arena, I suggest taking a few baby steps and that means starting out with the Mining Money Online program that is taylored just for newbies in the affiliate marketing business and it comes at a price that every one can afford of $77

There is however a way of “avoiding” having to pay some or all of closing costs. As a borrower, you do have the right to ask a seller concession to cover your closing costs and pre-paid items. This makes it so you do not have to come up with any money at all for closing costs.

A seller concession is worked into the purchase agreement and the seller will end up paying for some or all of the closing costs. The seller concession is either a flat fee or a percentage of the loan amount. This is a fairly common practice, particularly in depressed real estate markets.

As for pre-paid items, they generally consist of pre-paid interest and escrows. Many people run into difficulty reading and understanding the multiple costs that are involved with purchasing a home. Because of this, do not take any chances and talk to a loan consultant or mortgage broker. This will help clarify your financial obligations.

Purchasing a home is an exciting adventure. Don’t let your fear of the unknown spoil this joyous event. Being prepared and well informed will avoid you being shell-shocked when the time comes to paying the bills. The more informed you are, the better prepared you will be for the many upfront costs associated with buying a home.

Mira Novosel
http://www.articlesbase.com/real-estate-articles/closing-costs-and-other-fees-associated-with-purchasing-a-home-401240.html

I have two teenage children with disabilities and I regularly babysit for a third. I currently rent a home, and we live on disability. I would like to purchase a Home and have this home become a group home starting with the 3 children and possibly adding a fourth disabled foster child. I have some help from family members and home health aides, and a limited committment of financial help to get started. What is available to help me go to the next step?

You need the different licenses from the government agencies. Once you start with one the others will let you know what you need. A building up to code. Also a trained staff.

For tax return, how many home can I be deducting mortgage interest for? Is it just 1st and 2nd home only? or can I also deduct mort. interest for my 3-4th Home?

Primary residence can be directly deducted. Investment properties (anything other than your primary residence regardless of use) can be deducted when you itemize. Since you will be taxed on the investment property and any income it generates you will offset this with your maintenance costs and interest on the mortgage.

We all agree, purchasing a home will be, for most of us, the largest purchase you will make in our life. You have found your future home, arranged for financing and are now waiting for the closing date. But to many people’s surprise, there are other monies that will need to be disbursed before or on the closing date.

Some of the upfront costs you should plan on paying when purchasing a home include appraisals, inspections, earnest money, lenders fees, title company fees, and attorney fees. It is vital that you plan for these fees – speak to your real estate professional or your lender who will be able to outline and estimate all of these costs for you. The total cost of these various expenses and fees can run into the thousands and even the tens of thousands of dollars. It pays to be prepared.

You must also be careful of the 100% mortgages or no-money down loans. A no-money down loan does not mean that there aren’t any costs associated with the loan. In reality, these types of loans allow the buyer to borrow 100% of the purchase price of the home however the buyer is still responsible for the numerous other costs mentioned above.

You should also keep in mind that you will have to pay a portion if not all of that year’s property taxes. Typically, property taxes are called on and required to be paid in full as the home closes. A buyer, upon closing the home, will be called to pay his/her share of the annual bill as it is pro-rated. You may want to enquire about the property taxes of a specific house, or neighborhood, before signing the purchasing contract. Some neighborhoods are taxed more heavily than others.

There is however a way of “avoiding” having to pay some or all of closing costs. As a borrower, you do have the right to ask a seller concession to cover your closing costs and pre-paid items. This makes it so you do not have to come up with any money at all for closing costs.

A seller concession is worked into the purchase agreement and the seller will end up paying for some or all of the closing costs. The seller concession is either a flat fee or a percentage of the loan amount. This is a fairly common practice, particularly in depressed real estate markets.

As for pre-paid items, they generally consist of pre-paid interest and escrows. Many people run into difficulty reading and understanding the multiple costs that are involved with purchasing a home. Because of this, do not take any chances and talk to a loan consultant or mortgage broker. This will help clarify your financial obligations.

Purchasing a home is an exciting adventure. Don’t let your fear of the unknown spoil this joyous event. Being prepared and well informed will avoid you being shell-shocked when the time comes to paying the bills. The more informed you are, the better prepared you will be for the many upfront costs associated with buying a home.

Mira Novosel
http://www.articlesbase.com/real-estate-articles/closing-costs-and-other-fees-associated-with-purchasing-a-Home-401240.html

Im trying to convince my mother in father that I should be home schooled.
One good ponit agenst home schooling that they have is that they work 9-5 jobs.
How do I get home schooled with out my parents Home schooling me?

Once kids reach their teens they are perfectly old enough to be in charge of their own education. Parents act more as facilitators than teachers.

You might want to read The Teenage Liberation Handbook. You can get it from Amazon.

All the best.

These are the 12 questions you will want to consider before you are released from the hospital back to your home. They cover issues of accessibility, mobility, and the continued level of care you will need to help speed your recovery.

1. Who decides when I can return home?

While you are in the hospital, the medical staff considers your needs and decides to which setting you will be released. If you are able to recover without a lot of extra assistance, you are returned to your home. In situations where more care is needed, a patient may be moved to a rehabilitation hospital (where intensive therapy is available) or to a skilled nursing facility (where some therapy is available).

2. How do I know if the rooms in my home will be accessible to me?

In planning for your release to your home, the Home setting needs to be evaluated to determine which rooms are accessible and which are not. You may need for a therapist on staff to inspect your home for safety and suitability before you return there. For instance, the number of steps into the house is important to know and, also, if there is a second floor.

3. Will a wheelchair or a walker fit through the doors in my house?

If you are using a wheelchair, the width of the chair needs to be measured against the width of the doorways to the rooms that you will use. Measure each doorway. Even though you may have a single-story home, you may find that there are some rooms you cannot get to if the doorframes are not wide enough to accommodate a wheelchair. Even if your whole house is not accessible to you, you may be able to use the rooms that you need, such as the bathroom, kitchen, and bedroom.

4. What changes in my house do I need to make to use a wheelchair or a walker?

Have someone do a walk-through to see if there are any obstructions that would impede getting from room to room. Check for throw rugs or mats that would slow down a wheelchair or a walker, or that might make it a little more difficult if you are still a bit unsteady on your feet. If you are using a wheelchair, allow enough room between the bed and the wall so that the chair can be next to the bed to assist you in getting in and out of bed.

5. Will my bathroom need to be modified?

If the bathroom is not wheelchair accessible, you may need help from someone in order for you to walk from the doorway to the toilet, or you may need to rent a commode chair and place it in another area of the house until you are steadier on your feet. It may be that the bathroom is accessible, but you need a raised toilet seat and grab bars next to the toilet so you can get off the toilet safely. You may need a chair for inside your bathtub or shower. Find out if you will be able to reach the bathroom and kitchen sinks in the house or if you will need assistance.

6. Will I need a hospital bed for use at home?

If your bedrooms are on the second floor, you may need to use a hospital bed on the first floor until such time that your mobility improves and you can handle the stairs. The hospital bed may be a more comfortable choice since its height can be adjusted for ease in getting in and out of the bed.

7. Will I be able to use my telephone and television?

You will need to be able to reach the telephone, so you may need a longer cord and a lower table for the telephone. The television needs to be in a location where you can watch it, so it may need to be moved and you may want to find an easy to use (larger numbers and buttons) remote control.

8. What kind of activities can I continue to do?

There are other issues having to do with mobility and accessibility that will depend on your particular lifestyle, so think of what a typical week or month would be like for you. Figure out who will be able to help you get to appointments, if necessary. If you attend religious services and you need help getting there, find a friend who will pick you up and bring you back.

9. What if I need extra help with bathing, for instance?

Depending on your needs, you may have someone stay with you to provide help. A home health care aide may be available through home health services to come in and help with bathing, grooming, and dressing. Find out the extent of your insurance coverage for these services. You may also receive physical, occupational and/or speech therapy through the home health agency.

10. Can I get someone to help me prepare meals?

In addition, you may need help with chores, meal preparation, and shopping. You will need to find out who can help you with these tasks. In some areas, your county may have in-home help available if you meet the income requirements. The discharge planner at your hospital will know about resources available in your local community. Also, you may be eligible for Meals-on-Wheels for a period of time: confirm how many meals per day and for how many days you can receive this service. Please remember, Meals-on-Wheels is usually an out-of-pocket charge, meaning you pay for this service without reimbursement from your insurance company.

11. My finances are a mess. What can I do?

You will need to take care of your financial issues and money management. If you are not able to handle the mail, paying bills, and banking, find someone who can help you. It may be a family member, a friend, an attorney, or other fiduciary that you choose.

12. Will I be able to keep my pets at home?

If you have pets—dogs and cats are especially good for promoting one’s well-being and recovery—be sure to have details available regarding your veterinarian, boarding facility, and who will pet-sit in an emergency or as a favor. Your favorite pets by your side may be the best part of being home. Be especially careful navigating around your house if you are using a wheelchair or walker and your pets tends to get underfoot—this could cause an injury to you or to your beloved pets. Also, you need to store the pet food where you can reach it if your mobility is impaired.

Remember, planning ahead will made your recovery go more smoothly and you will experience less frustration if you have planned for your particular needs and restrictions. Your home may not be fully accessible to you right away, but with modifications and planning, you may have the comfort you need to help you feel much better.

anonymous
http://www.articlesbase.com/health-articles/12-important-questions-home-from-the-hospital-615963.html

Being a mother and still wanting to work can irritate many women, but working from home is becoming easier. The internet is a great source that supplies numerous amounts of business opportunities.

There are many franchises available which are perfect for mothers stuck indoors. Here is a list of the top ten franchises that allow mums to work from home.

1. American Billing Systems

This is a source for doctors; your job will be filing medical claims. Access is 24 hours a day, and seven days a week giving around the clock access to suit your needs. This easy system allows you to be a mother and still earn some cash. Training and support are offered, and financial support is available if needed. Total capital investment for American billing Systems is $14,990. The liquid capital required is $7,490.

2. Vendstar Vending Machine

This is a wonderful business opportunity for stay at home mums. It is what it says, a vending machine business; even your children may be able to help you out with this one, it could be their way of earning a bit of pocket cash themselves! Training and support are offered, the minimum investment to become part of Vendstar Vending is $5495.

3. Pet Butler

The Pet Butler franchise involves the cleaning up after Pets. This is another great franchise chance to grab hold of for those mums stuck at home. Training is offered along with any support needed. Total capital investment is $41,900-$81,500 and the liquid capital investment is between the figures of $15,330-$21,990.

4. Decor & You Interior Design Decorating

If you are a mum at home and have a spark for design then Decor & You is the perfect franchise opportunity for you. Financing support is unfortunately not offered but training is fully covered. For Decor Designers the capital requirement is $47,500-$76,000, and $132,000-$147,000 for the regional director.

5. The Back Rubber Vending Massage Chair

Here the massage chairs do all the work, all you are asked to do is pop by every so often to remove the money. This is a great way to earn for stay at home mums, and the kids may enjoy the chairs too! Total capital investment is $7495. Training and support are covered.

6. Cruise Planners Travel

Working from home and planning cruises is what this franchise consists of. The client database is top secret; you own your own business. Full training is given and support offered. The franchise fee is $9995; total capital investment is $9995-$19,950.

7. Press a Print

This franchise offers the possibility of making money quickly whilst working at home. This can be organised by mum, a couple or even the kids can help out. Total capital is $10,000-$33,000 with liquid capital less than $4000. Training is offered.

8. Carpet Sculpture Gallery

This is not only easy to run but also easy to make money. You buy the supplies as you go and training is offered. Total capital investment is $35,000 and liquid capital is £30,000. Required Net is $100,000.

9. Eliza j Porta Potty

Perfect for functions, for example, weddings. Eliza J is an easy fun to run business, which home bound mums, will love. Capital investment is $64,700-$112,400. Liquid capital is $25,000. Training and support are at hand along with third party financing.

10. Infinite Marketing Video Business Card

This franchise asks for a capital investment of $14,900. Financing is not offered but training and support are covered. All this business consists of is a video business card distributor.

James Copper
http://www.articlesbase.com/business-articles/ten-great-franchises-for-work-at-home-mums-503060.html