Posts Tagged ‘discount’

Rent-to-buy options for purchasing your home

Rent-To-Buy Options For Purchasing Your Home

Despite the recent vote-buying budget which saw Stamp Duty suspended for properties priced under 250.000, options for many people looking to buy their first home are still limited. The banks continue to display a lack of confidence in the UK housing market and this is reflected by their reticence to lend large percentage loans against house purchases.

This leaves first time buyers, or buyers who have little equity in their existing property, still looking to raise a large deposit towards their property purchase. Saving is the traditional way to make up the shortfall between what you have and what you need, but with the average house price in the UK now over 160.000, buyers could be looking at trying to find in excess of 40.000 to cover the deposit and associated costs, before they even start to look at properties.

Thankfully, there is a solution. Rent-to-buy schemes are being introduced throughout the country, to enable property purchasers to rent the property of their choice, with an option to buy after a fixed period. The properties included in these schemes are listed by private vendors and are attractive, freehold, residential properties offered on a full ownership basis, and not to be confused with any government shared-equity schemes.

The key advantage of a rent-to-buy scheme is that, as a potential homebuyer, you live in your selected property for a typical period of 3-5 years. During this time you are able to discover if it is the right property for you and, whilst doing that, the rent that you are paying counts towards (or is discounted against) the amount of deposit that you need should you decide to proceed with the purchase of the property. The ultimate purchase price of the property is determined before you move in, and this allows for additional equity growth during your rental period (should prices rise), which then facilitates better and cheaper mortgage options when you decide to buy.

The main categories of homebuyers that are already successfully involved in rent-to-buy schemes are;-

* Those who have found it difficult to raise the full amount of the deposit particularly in the Home Counties and South East of England where prices are way above the UK average.

* Families and individuals who were previously renting and saw that it made more financial sense to pay the same amount of money to own their own home.

* People who may have a poor credit rating, and have found it difficult in the past to get large LTV mortgages.

By investigating the current rent-to-buy opportunities in your area, you open the door to more accessible home ownership, and extend the options for buying your own home.

Picking out the right football equipment

Picking Out the Right Football Equipment

Football as we all know is a favorite past time of many players out there. They enjoy the thrill of the game and they find it fun to compete with other leagues. Whether you are the player or the coach, there a lot of gears that you may want to buy for you to improve your game and make it look more official. Football equipment is an essential aspect in the life of a football player. With this, it is very vital that you choose the football equipment that would best suit your standing in the game.

In choosing the right gear, there are some steps that you need to follow in order for you to have the perfect fit that would protect you and make you feel comfortable throughout the game. The first thing to consider is the helmet. You have to pick a helmet that is just big enough to fit you comfortably yet a little enough for it to stay put and won’t fall. There are some helmets that have inflatable interior pads made to accommodate different sizes of head. The next step is choosing the right face mask. You’ll know if the face mask is right if it suits your position well. Face masks with several bars are highly recommended for line players to provide maximum protection. The wide receivers, running backs, quarterbacks and kickers should only use face mask with fewer bars for maximum visibility.

Choose jaw pads and chin strap that would fit the size of the helmet. You can also purchase a rubber mouth protector to protect your dentals from breaking at the course of a strenuous game. In purchasing a shoulder pad, you can ask your coach or other sporting expert which shoulder pad types are right for your position. When it comes to selecting hip pads, thigh and knee pads and tailbone pads, you must always choose those that fits perfectly, perfect means big enough for comfort yet tight enough for protection. It also recommended that you buy an athletic supporter for your medical protection. Football protective gears comes in different prices, however, it is important to check the quality of the gear. Do not just go for cheap ones that are of poor quality. If in case you do not have enough money, it is best that you buy gears with great discounts.

Bear in mind that in playing football there is always a big room for injuries to occur. Choosing the right and the best football equipment that fits properly with the position you stand for can help prevent or decrease the frequency and severity of the injuries. When you evaluate your self as the best player of the team, most probably you are the one who is always on the field, thus you take long and hard hits. Make sure that before you go out on the field, you are equipped with the right protection that allows you to perform your best.

Portland area discount retailer of flooring, decking and tile expands

Portland Area Discount Retailer of Flooring, Decking and Tile Expands

Stone+Wood Outlet, Portland, Oregon area retailer, is pleased to announce it has opened a second store to serve the East side of Portland, Oregon. The new store, located at 9907 SE 82nd Ave., Happy Valley, OR 97086, carries the full line of Hardwood Flooring, Decking, Tile Flooring and Stone Products. The location was formerly a Portland area icon – The Tool Peddler, one of the leading discount stores for wood working tools.

Stone+Wood specializes in discounts, close-outs, over-stocks, liquidations and any other good deals it can find on material. Unlike the typical retail flooring store, we have inventory at our stores! We keep it in stock so you can avoid the waiting for 2 to 3 weeks for delivery. Take it home today!

Stone+Wood’s Hardwood Flooring line consists of Prefinished Solid Exotic and Domestic Woods including Brazilian Cherry, Ipe, TigerWood, Cumaru, White Oak, Red Birch, Acacia and more. We offer Engineered Flooring and Handscraped flooring as well. With prices starting at $1.99 per SF for hardwood flooring, we offer the DIY consumer a huge variety of in stock options for flooring.

Stone+Wood’s line up of exterior decking for the Summer include naturally durable hardwoods such as TigerWood, Angelim Pedra, Ipe, Brazilian Redwood and Sensibuilt Composite decking from Fiberon Composites. These are all close out items and are being sold for 20-40% under the typical retail price. We sell only the highest quality decking materials in naturally durable, strong and hard, tropical hardwoods and composites. Any of these materials will far outlast the typical softwood Western Red Cedar or Redwood deck. Build it once to last.

Breaking News: Stone+Wood just purchased the remaining inventory from The Tile Source Store in Portland, Oregon. Formerly a popular wholesaler to Portland area retailers, The Tile Source Store specialized in high end Italian, Spanish and Mexican Stone Tiles. We have over 350 pallets of material that will be arriving at our stores over the next week, including a fantastic selection of colors, styles and textures. As part of this purchase, we have received an amazing number of trims, edgings and corners; we’ll be selling it all at deep discounts.

Protect your living with austin auto insurance

Protect Your Living with Austin Auto Insurance

Auto insurance is one of the most important things, which a car owner must be able to obtain. This is truly important, especially when you are living in a big city, like in Austin. Austin is the capital of the state of Texas and it is the fourth-largest metropolis in the said state. Most of the people living here have their own automobile, for this is one of the most important things that they must have. We all know that having a car is very helpful in our everyday living, most especially when we go to our respective works. As a result, the state of Texas has created a rule that has something to do with car owners and this rule is known as Austin Auto Insurance.

This Austin Auto Insurance is for the safety and comfort of every Austin car owners. This is going to protect them from any costs or expenses that they might stumble upon an accident and this mishap involves cars. This auto insurance has been raised because of the increasing number of car accidents, which is truly alarming already. Consequently, all car owners in Austin are required to get Austin Auto Insurance; in fact, this auto insurance of Austin is mandatory by law.

A lot of car owners are truly thankful for having Austin Auto Insurance as their protection. However, some of them cannot afford to get auto insurance because of the very high policy premium or rate of auto insurance company. These car owners want to get a cheap auto insurance that has a good service, as well.

You can actually find cheap Austin Auto Insurance company around the city and all you need to do is to go online and explore the internet. Yes, auto insurance companies are also available and accessible via online. Through the aid of the internet you can be able to search all the insurance companies and be able to pick the best one for you. In fact, you can visit all auto insurance companies’ websites and be able to obtain important information which will definitely help you out to decide later on. It is also significant to obtain policy quote to each of the auto insurance companies that you visited. This policy insurance quote has something to do with the policy premium and policy coverage of an auto insurance company that is why it is very important to get policy quote. After obtaining all the insurance policy quotes that you needed, you can always visit the comparison site in order for you to compare all the quotes quickly and easily, and be able to get accurate results that will truly help you out to choose the Austin Auto Insurance company that will suit your needs.

It is also recommended to call or visit their respective offices for you to verify the details that you obtained through the internet. This will also give you a chance to ask further details regarding their policies. You should also ask about discounts that they might offer you to be able for you to lower down your Austin Auto Insurance policy premium or rate.

Real estate investors – “7 step formula” to secure private money

Real Estate Investors – “7 Step Formula” To Secure Private Money

First – Determine how much money you need to acquire a certain property and be sure to include the purchase price, closing cost and complete renovation costs. If you do not know the renovation cost be sure to make your best estimate so you do not leave these out.

Second – Start to market for private lenders. Make a point to tell everyone you know and meet “that you investing in discounted real estate investments and are looking for investors.” Show your potential private lenders how to start investing passively in investment real estate. You can also use other marketing strategies such as sending out post cards to wealthy people or putting up flyers in 55+ communities.

Third – You will need to create a presentation kit to educate your potential private lenders to the power and security of investing in discounted real estate. Essentially, position them as “the Bank.” Deliver your presentation to your contacts within your sphere of influence and your warm market, such as business associates, friends, family, realtors, accountants and attorneys to name a few. Some of these people may know other contacts within their own networks interested in investing.

Fourth – You will find that many potential private lenders have CD’s or money market funds that are only yielding 3% to 5%. Your presentation has to show that you can offer your investors anywhere from 9% to 15% return on their money versus the small returns they are currently getting at the bank. If they stocks or bonds they may be even more willing to invest in something as safe as good solid local investment real estate versus losing 50% or more in their stock portfolios. You need to offer them more income with a secure investment.

Fifth – Once you have a potential lender or two that has expressed some interest you need to present your proposed deal. You will need to show them what it will cost to purchase and rehab the property and what it will be worth once compete. You may want to borrow all of the money to purchase the property. Or you may go to a bank and borrow 80% and then use your private lender to fund the remaining funds.

Sixth – Make sure your private lender sends the funds (i.e., certified check or wire transfer) to your closing attorney or title clerk. Never have the funds made out to you or your company. Create a promissory note for your private lender explaining the terms of the transaction and make sure they are in either first or second lien position on the property.

Seventh – Complete the purchase of the property and rehab and be sure to invite your private lender out a couple times to see the progress so they remain comfortable the investment and build a long term relationship.

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