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Finessing the Financing – Navigating the Current Real Estate Buyers Market Part I

Every one is talking about the foreclosure crisis and the slump in the economy. With all the despair surrounding our Nations economy how is one to take advantage of this once in a lifetime buyers market?

Patience, persistence, negotiation, and creativity in financing will be a good point to begin with. For most people going to the bank and asking for a loan is the only way they know how but this series of articles will give you insight on how to finance a home without initially using the bank.

The techniques are legal and are in use by investors. We learned these techniques to be able to finance the deals we have put together for the person with less than stellar credit.

Financing, until recently, was not the barrier. People were being given sub prime loans and are now paying the price of the sub prime lending scam. The loans were legal but they were a disservice to people, this is why I’m calling sub prime loans a scam.

Sub prime loans take advantage of people who are, one not informed, or two who have less than perfect credit. The techniques that will be in this article will not be scams of the sub prime lending. These are techniques you can start using today to help you be in a house in less than thirty days.

These are not sub standard property’s that are involved in the techniques of this article although the same techniques can be used on the less than desirable home.

For many Americans a few blemishes on their credit can keep them from homeownership. Many have sought the services of the credit cleaners, but still a few things may stay due to the nature of the type of account or length of delinquency.

With a conventional loan comes conventional thinking. In our current time and economy there is a call for unconventional thinking on the part of buyers as well as sellers.

One creative technique would be to have a seller carry the financing for either the second mortgage, if the buyer cannot finance the entire amount. Or the seller could carry a first mortgage if the buyer is really having trouble with the bank. Loans like these will probably become more common as the banks begin to tighten the lending requirements.

According to many analysts lending is not as tight as it is going to get in the very near future.

Of course the seller would only hold the note for a short period of time, unlike a conventional loan, which would be for thirty years. The buyer’s mortgage would be for three to five years. At the end of the time period the buyer would find the financing for the remaining portion of the loan. By that time the buyer should qualify for a refinance of the loan.

This is only one of the many ways to finance a home creatively and legally without the buyer or seller losing anything but gaining everything.

There is an excessive amount of traffic coming from your Region.

#EANF#

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How to Encourage Young People to Read Educational Books

As a child I remember how much I used to love reading fiction books and detesting non-fiction books. No matter how many encyclopaedia and education books my parents had bought for me, I would always have a strong desire to read my fantasy fairytale books. There was something magical about immersing oneself into the creative world of the author and sharing their imaginative made up story. This for me was escapism, before the age of games consoles and online RPGs.However, nothing is more important than getting your children into the habit of reading education books, not simply as a short researching tool or quick resource book that they can look up. Education books do much more than simply aid a person when researching a topic for a project or assignment. Many people will agree that we all prefer to read up on the subjects that take our interest, but for those subjects we care very little about we avoid.Books that are boring to children will not inspire them to read. In a recent study involving the observation of school children being instructed to spend a set amount of time quietly reading, most of the children reacted with a few moans and groans, and whispering amongst them instead of reading. This study showed the lack of motivation for reading, making the task almost pointless and less effective. The problem is the lack of motivation to read, resulting in a lot of children feeling bored. The trick is to entice or introduce the children to the books in an interesting way.There are ways in which children can be encouraged to read education books through some simple and methodical approaches. These approaches are much more practical and involve some work on the parent or teacher. These guidelines are based on what has worked for past individuals who have successfully been able to regain interest into their children for reading non-fiction and education books. The method is not an easier approach, but will nonetheless involve plenty of interaction.The first thing to do is to engage some excitement in the exercise you are about to undertake. If you want the children to take an interest in history, it might be work taking a field trip to the local history museum or going on an excursion to look at some historical and monumental buildings. This will require some preparation and planning, as well researching in your part to make this work. Be sure to take some pencils, pens and sketch pads so that when you take the children out they can be creative in what they had seen. Speak to them about the buildings and give them some insightful information about the place you are visiting.The next thing to do is to point out how you found the information out, through reading. You can demonstrate your passion for reading by introducing them to the books that you sourced the information from. The trip will have raised some questions from the children and in turn they will want to find out more. If they see you reading they will want to do the same thing.An important step to take is to read aloud to your children, even if it is an education book about Ancient Rome. As long as they can understand what is being read to them, keeping them engaged by changing the tone of your voice and being animated in the way you deliver the words will help them to continue learning and further give them some encouragement to continue reading on the own accord.You can then work with your child or with a class of children to make a collection of information. For instance if the aim was to have your child develop an interest and understanding on Roman history then they can perhaps draw pictures of the Roman period, costumes, equipments etc. This can be compiled together to produce a work book or project folder that they can refer back to when they like. The main method of succeeding in this is to keep it fun yet insightful.For classroom activities, teachers can refer back to the subject at the end of the month and distribute activity sheets, assign each student to write an article complete with an image or take a trip to the same location and a different one relating to the topic you had studied previously, where you can test their knowledge. Taking trips to the library at the end of each month will keep their exposure to reading and books consistent.

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