  | Product Description Sennheiser is the acknowledged world leader in headphone-transducer technology. These CX 300 headphones are its first consumer ?ear-canal? model. The CX 300 model is ideal for use with portable MP3, CD, MD, DVD players and many other portable devices with 3.5mm headphone sockets. Soft Silicone-Rubber Ear adapters in three different sizes are included to ensure a perfect fit, high wearing comfort and an excellent attenuation of ambient noise. |
Wednesday, March 18, 2009
Sennheiser CX300-B Earbuds (Black)
Ipod Touch (2nd Gen.) Premium Black Leather Flip Style Case By Prima Cases
 | Product Description Prima Cases is pleased to introduce a new line of High Quality Case solutions for iPod Touch. This Flip Style Case comes in beautiful black leather and is available with a removable swivel clip and post. Once the clip is dismounted, the back of the case is completely flat, offering a perfect alternative if you want to carry it in your pocket, purse of bag.Complete screen exposure. Access to side buttons and jacks. Snap closure on the back of the case for maximum security. Soft interior velvet lining to avoid scratches or dents on your iPod. Two slots for business cards. Check our entire selection of case solutions for iPod and the Apple family. |
Bush Furniture Homestead Video Base
 | Product Description 60" Flat Panel Video Base Overall Dimensions : H 23.38" W 48" D 24.88" |
Saturday, March 14, 2009
No Down Payment Mortgage With No PMI?
Many lenders are offering a solution to this lack of down payment problem for those who want to eliminate the PMI variable from their mortgage loan payment equation: a combination of a mortgage loan and a home equity loan or personal loan to complete the 20% down payment. Is this really a solution? What are the benefits? What are the drawbacks?
Private Mortgage Insurance
Private mortgage insurance protects the lender against default by covering the mortgage payments in case the borrower cannot repay the loan for one of the reasons stated in the insurance policy.
Private mortgage insurance is not required for any mortgage loan but when it comes to all home loans where the amount is higher than the 80% of the purchase price of the loan, PMI payments are compulsory (with the exemption of VA loans and other preferred home loans).
Thus, in order to avoid paying private mortgage insurance charges, the borrower needs to obtain sufficient funds for a 20% down payment. As this is seldom possible, people usually cope with the higher payments and eventually they decide to refinance with better terms.
Yet, it is possible to get financing with advantageous terms and no PMI from the very beginning by using a combination of loans instead of a single mortgage loan with PMI payments.
Remember though, that if it is within your hands to obtain the necessary down payment in cash it is well worthy to do so even if you have to wait a few months because you will not only save yourself the PMI payments or the interests on the additional loan but you will also be able to obtain more advantageous terms on your mortgage loan.
Combination Loans Based On Equity
These home equity loans can provide you with the funding needed to obtain the 20% down payment to avoid Private mortgage insurance payments. Though the interest rates on these loans tends to be a bit higher than what is charged for the mortgage loan, in the long run, this implies lower payments than a single mortgage loan that would charge PMI fees. And sometimes, the costs are lower right away if you only need a smaller amount of money because you already have some savings for the down payment.
Whether it is advisable or not to obtain these loans instead of a single mortgage loan with PMI is a matter of discussion. But most importantly, it will depend on your particular situation and on market conditions. The smart way to go is to compare your options and have the lenders provide you with different loan quotes to see which one best suits your needs and desires. Sometimes the difference may not be too significant, but under certain circumstances you can save thousands of dollars in the long run.
Kate Ross is a professional consultant at Speedybadcreditloans.com. Read more useful articles on her website and contact her if you need financial help.
Fixed Rate Second Mortgage or Variable Home Equity Line of Credit? Home Equity Report 2006
More and more Americans are cashing in on their homes equity by taking out a second mortgage. Home equity financing has evolved to meet the growing consumer demands for borrowing, spending, and building. One of the most powerful cash vehicles driving our economy is the new and improved home equity loan. Consumer debt is at an all time high, and home equity values are also peaking at all-time levels. Lets examine the primary reasons for the increasing popularity of home equity loan products.
Home equity lines of credit are revolving accounts that are considered to be second mortgages secured by real estate. These 2nd mortgage credit lines have become very accessible online. Equity lines of credit can be beneficial tools for homeowners if used properly. Helocs offer flexibility because you can borrow and re-borrow without having to start the loan process over again like you would with a traditional home equity loan. Another great home equity line benefit remains that you only pay interest on the money you access.
A few years ago, second mortgage rates hit all time lows.
Over the last year and a half, the Federal Reserve has increased the WSJ prime rates almost 3% points. Unfortunately this has had the biggest impact with variable lines of credit rates. During this record period for rates, home credit lines were over 1% lower than the traditional fixed rate home equity loan. There are many reasons people continue to take out home equity lines of credit. Some of the most common purposes for an equity line are bill consolidation, home improvements and buying a second home. What people love most about the equity credit line is the affordability feature that comes standard with low minimum payments.
On the flip-side, many homeowners like the responsible amortization that comes with fixed rate home equity loans. With these fixed rate second mortgages, each monthly payment allocates a portion to pay down both interest and principal of the loan. In 2006, fixed rate home equity loan rates are actually lower than equity lines of credit. The fixed rate mortgage is becoming increasingly attractive to consumers. Fixed rate loans offer "peace of mind" because people can go to sleep at night, knowing that their payment will not go up.
Both types of home equity financing offer lower interest rates than credit cards. Increased cash flow and lower monthly payments are great benefits of home equity. Many lenders have expanded their second mortgage guidelines for people with bad credit. Stop playing the balance transfer game with your credit cards and lock into a low rate second mortgage. In most cases, consolidating credit cards with a home equity loan will save you thousands of dollars a year.
Barry Donavan is a business writer who focuses on home finance and consumer credit. In addition to writing, Barry is a finacial consultant and loan officer at BD Nationwide Mortgage. You can read more of his home equity articles and get more information about fixed rate second mortgages and variable home equity lines of credit.
Copyright BD Nationwide Mortgage Company 2006
Car Donation in Tennessee
Although Tennessee is known for its popular musicians, it is also the home of many charities serving a variety of socio-cultural causes. Indeed, this southern state I very good at providing southern comfort. Good old TN has a whole lot of love!
When it comes to charity work, Tennessee residents have a lot of options which let them participate the way they want to. Donating old cars to charity is one popular choice. Tennessee's beloved citizens have many charities available in which to choose from.
Among the institutions that can use your car donation in Tennessee is the Glaucoma Research Foundation. Glaucoma is an ailment that causes lots of liquid buildup in the eyes, which can lead to blindness. The Glaucoma Research conducts research that helps find cures for this disease, and the old vehicles that will be donated to it can be used to fund this outstanding process.
The Diabetic Youth Foundation is another TN organization you can donate your car to. Diabetes is a popular disease that attacks the body's ability to metabolize sugar, which leads to health effects that may even turn fatal The Diabetes Youth Foundation aims to provide support for young ones that have the disease to pave the way for a better future. Visit the Diabetes Youth Foundation at www.dyf.org .
There are more charities you could try looking at of course, and each and every one of them will appreciate the help you give them. In return for your generosity, your car donation to these institutions would reward you with tax write-offs next April 15th.
Because there are so many websites in the cyberspace nowadays, it's quite hard to choose which to learn more about car donation facts but we find that a variety of sources work best such as the web, speaking to friends and looking in magazines or at a library. If you need newest information on car donation then you've come to the right site. You'll find the most recent data on this and you can relax and dig into the material.
Just visit our website for more information on Car Donation Tennessee and related information.
For more information on Car Donation Tennessee or visit http://www.cardonationcharityprograms.com/Articles/Some_Car_Donation_TN_Options_For_Your_Consideration.php, a popular website that offers information on Car Donation Programs and Car Donation Charities. Please leave the links intact if you wish to reprint this article. Thanks
The Definition of an Antique Car
Car lovers all over the world have an interest in cars of all ages. Antiques seem to be especially popular though when it comes to restoration projects and personal collectibles. It can be difficult to determine what exactly makes a car an antique. This is something that many people continue to disagree on. However, there are a few specific points that you can take into consideration when trying to determine whether or not your car might be an antique. Listen to the pros for the best tips and advice rather than assuming or listening to someone with little antique car knowledge.
The Classic Car Club of America has their own official definition of what make a car an antique. They define an antique car as one that has been built between the years 1925 and 1948. The car can be from America, Europe or otherwise imported as long as it matches those production years. Of course there are other sources that tend to vary from this definition. It's wise to seek more than one opinion.
There are other factors that play a role in whether or not a car is classic or antique. Things like engine displacement and automatic lubrication systems indicate that a car is an antique. There are other features too that can be considered so if you are not sure about something on the older car that you own, ask a professional for assistance.
The Classic Car Club of America keeps a list of the many cars that they consider to be classics. You can log on and check this website any time to see if your car is on the list. Also, if you are looking at a certain type of collector car, you can see if it is on the list before you buy it.
For the most part, in the United States a classic car is one that is twenty-five years or older. This is the definition that is given by the Antique Automobile Club of America. Of course this definition does not apply everywhere. Many insurance companies have their own definition of what makes a car an antique for legal purposes. If you plan to purchase and insure one of these cars, consult your insurance company for an accurate quote first.
The definition of what makes a car antique can vary among insurance companies. Always consult one that claims to deal in classic cars. A regular insurance company that deals only in commuter cars will have little knowledge of how to deal with the proper definition and insurance of an antique car.
If you would like to add a classic car to your personal collection then you should make your choice based on what you love. It's simply not wise to invest in an antique car with the sole intent to make money from it in the future. It's not a guaranteed investment and should not be something that you use only as a means to make money. Enjoy the classic car that you choose regardless of its predetermined status.
Enjoy your car travel and find the best deal on the auto insurance coverage you need. Visit us today for money-saving tips, auto insurance quotes online and helpful car insurance advice at http://www.AutoInsuranceRatesDirect.com
Home Equity Loans Answers To Important Questions
Home equity is a valuable asset which both lenders and borrowers can benefit from. Lenders are offering home equity credit lines in a variety of ways. Its best to take some time to get an idea of what type of home equity loan is right for you.
As you probably know, most loans come with variable interest rates. Generally, home equity loan rates differ with each lender. Also, you may find that most home equity loans have large one-time upfront fees, others have closing costs, and some have continuing costs, such as annual fees.
There are also home equity loans with large balloon payments at the end of the loan and others with no balloons but with higher monthly payments.
Different homeowners have different loan needs. There are several aspects you need to keep in mind before choosing your home equity loan. You really need to ask the right questions before getting a home equity loan or home equity credit line.
Is A Home Equity Credit Line Right For You?
One of the best sources of credit is your home equity line. Initially, home equity credit lines may provide you with large amounts of cash at relatively low interest rates. This further means that if you default on your loan, your lender may foreclose on your home. With home equity loans, therefore, your home is at risk if you are late or cannot make your monthly payments.
How Do I Get The Best Home Equity Loan Rates?
Home equity loan rates are the most important factor to consider when applying for a loan. Here are important things to remember when considering home equity loan rates.
Here are 2 types of interest rates to consider with home equity loan rates.
1. Fixed Rate: Fixed interest rate means you will be charged with the same interest rate for the whole term of your loan. On long term loans the required payments are usually lower, and on shorter ones; higher.
2. Adjusted Interest Rate: This is not a fixed interest rate. An arrangement with a fixed interest rate may go well with home equity loans.
Which type of home equity loan is best for my financial situation?
An arrangement with a fixed interest rate may go well with home equity loans. There is the convenience of setting aside the same amount regularly for payments. However, choose a short term loan to save more money.
How do I get the best home equity loan rates?
Thanks to modern technology, canvassing for the best home equity loan rates is a little bit easier than before.
3 Effective Ways To Find The Best Home Equity Loans
1. Visit websites of known lenders to compare home equity loan rates.
2. Visit websites offering quote comparisons.
3. Visit banks, and other lending institutions to get the best home equity loan rates. Brokers also have a good grip on the best lenders and home equity loan rates in the market.
3 Aspects To Consider With Home Equity Loan Rates
1. Generally, loans asking for low interest rates are good offers. Since you will have your home as equity, interest rates must be lower than other types of loans
3. Consider the term of payment. Equity loans that stretch for very long periods result to higher interest rates compared with short term loans that have higher interest rates.
4. Consider other loan features. Flexible loans are more desirable than strictly drawn ones.
Finding the best home equity loan and rates can be tedious work. Make sure you have all the facts on hand before deciding on which loan and loan rate to apply for.
Dean Shainin is a consultant specializing in home loans, strategies for loan financing, home equity loans, and consolidation loan information. To see a list of recommended loan companies, tools, resources, free quotes and articles, visit this site: http://www.homemortgageloantips.com
Get free valuable online tips for saving money from his: Home Equity Loans website.
Home Equity Mortgage-Refinance
A home equity mortgage refinance may be a great way to go right now, before rates go up. Over the last few years everyone has heard about friends and family refinancing their home mortgage. Well, you may also know that the interest rates going back up. If you are going to refinance your mortgage, now is the time. By refinancing you can also put yourself in a better financial situation in 3 different ways.
1. A home equity mortgage refinance can lower your mortgage payment.
2. A home equity mortgage refinance can be used for consolidating debt, this will also be tax deductible.
3. A home equity mortgage refinance can also be used to remodel your home, or add an addition.
There is actually no down side to a home equity mortgage refinance as long as you are able to secure a lower interest rate. One other option is to use your refinance to shorten the total term of your payments, possibly cutting 5 years off of your term.
An online home mortgage is most home buyer's best option. Generally when you apply for an online home mortgage you will get the best possible interest rate. The internet has created a very small world for online home mortgage lenders. Shoppers are able to compare rates from numerous lenders in a few hours. The home mortgage market has experienced dramatic changes because of the internet.
Getting a mortgage with good interests is a easier today, than it has ever been. The power, is in the hands of the consumer for the first time in history.
You only need to know a few inside tips. There are 3 things that every home buyer should do to get a great mortgage offer...Continue
Thursday, March 12, 2009
Refinance Home - Do's and Don'ts
While walking your dog, you may have seen rows of houses for sale. You want one of those brick houses with three bedrooms to accommodate a growing brood of kids. The possibility is not remote if your home's value has increased considerably. A refinance home scheme may let you enter one of those bigger homes.
Ready to Jump Through Hoops?
For your first mortgage, you had to undergo a paper chase to satisfy the requirements of the mortgage company. This experience will serve you well. But for your refinance home project, there are still some do's and don'ts to observe to give yourself the upper hand when entering a contract.
So check your documents. Are your tax income papers in order? Is your credit history satisfactory? Is your employment record updated? Are the records of the first mortgage complete and neatly filed? These are just some of the documents to prepare. Looking for lost documents or calling up certain offices for your records eat up your valuable time just when the refinance home loan agent is ready to talk to you.
When you're ready for an audience with the loan agent, make sure you've done your homework. You should know about mortgages before signing a contract. One simple rule is: don't rush into a refinance home loan.
The Do's
Find out about your home's value. If this has increased, expect to pay more for the mortgage. But settle on a company that offers a lower interest rate than your present mortgage. The new loan should be able to give you 2% less in interest rates than your current loan.
Do shop for lower interest rates. You may be surprised that an adjustable mortgage rate is lower than a fixed mortgage rate. The catch, though, is the possibility that your monthly bills might shoot up. Consider this if this is not a risk.
Do ask about penalties for loan prepayment and getting out of the contract. The loan agent should make it clear that you have the right to rescind the contract within three days, which is the rescission period.
Do make sure that if you're going to resort to this option, let the refinance home company know of your decision and your reasons through a formal letter followed up with a telephone call to the right people before the 12PM deadline on the third day.
Do check the company's background if you're using a new mortgage company. With several mortgage companies competing for business, you might fall for a lousy deal with the lure of very low interest rates and no closing fees.
The Don'ts
Don't be rushed into a home refinance loan, and don't be afraid or intimidated by the mortgage companies. Check out online sites that provide information on consumer rights.
Don't entertain calls purportedly coming from companies requesting more information. Go to the company office. Inform them of the request for additional information and verify if indeed this request came from them.
Don't entertain strangers offering a better deal and cash even if they give their credentials. Tell them you prefer to discuss things in their office. Don't sign anything. Some people lost their homes to scammers because of those nice strangers.
These tips can help you safeguard yourself from getting duped into dubious deals. Your new loan should be your chance to own a home, not lose it.
For your refinance home, Florida refinance, or California refinance needs, visit WhatAboutLoans.com today.
Ford - A Leader in Automotive Racing History!
Does the thought of watching a great car race make your heart accelerate? Do you live to enjoy the thrill of speed? Maybe you just appreciate the design of great sports cars. Whatever the case may be, you can be sure that somewhere along the line, you have heard about or seen some great and historic Ford race cars!
Automotive racing has been a very popular sport ever since the first automobiles were designed over 100 years ago. Actually, it was because of car racing that many of todays automakers exist. Automotive designers would try to create faster and more efficient vehicles by testing their ideas in races against other designers. Henry Ford entered one such event with his unique, early "Model T" design and won, investing the prize winnings into the company that would become the Ford Motor Company. From this humble beginning, many historic Ford race cars would be born.
Ford racing would become a company to contend with as they produced one winning design after another. Here are just some of the historic Ford race cars:
*In 1903, Barney Oldfield drove the Ford 999 to victory at the Indiana Fairgrounds, and set a new speed record of 60 mph.
*In 1909, the Ford Model T shows its endurance as it wins a cross-country race from New York to Seattle.
*In 1949, the first national NASCAR race was won by Ford driver Jim Roper in a new car model called the Lincoln.
In the 1960's, Ford would reach the height of racing, as they would produce several cutting edge designs, including:
*In 1963, the Ford-Lotus design would win the Milwaukee 200, driven by Jim Clark.
*In 1964, Ford would introduce a new style of Indy car engine known as the DOHC V-8.
*In 1966, the Ford model Mark II's would place 1st, 2nd and 3rd in the 24 hours of Lemans race.
*In 1967, Ford would introduce a new engine in the Dutch Grand Prix, called the Ford-Cosworth DFV V-8.
*In 1968, Ford would introduce a sporty design of its popular Ford Mustang by showcasing the Cobra Jet Mustang at the NRHA Winternationals, winning its first event.
The 1980's would see a resurgence of the popular Ford Mustang as the Miller Mustang would win two races in 1981. Ford would also become competitive with the Thunderbird model as driver Bill Elliott would win a record 11 NASCAR races in 1985. In 1988, Bill Elliott would continue winning in the Ford Thunderbird by taking the NASCAR Winston Cup championship.
Ford continues to produce new and innovative ideas as they design cars for the future. In the early 2000's, the Ford Taurus model challenged the field, being driven by the Rousch racing team including some of todays championship drivers like Carl Edwards and Kurt Busch. If the future is anything like the past, Ford will continue to produce many historic Ford race cars.
Wendy Pan is an accomplished niche website developer and author. To learn more about historic Ford race cars, please visit Vintage Autos Now for current articles and discussions.
Mortgage Reconstruction 2009 - The Time For New Mortgage Laws
As of Monday July 14th, 2008, the government has passed new laws which cause a decent amount of change within the mortgage industry and how these companies give out loans to homeowners. Even though they were passed on Monday, these rules wont take effect until October 2009 to give time for companies to transition to the new set of standards.
The concept being birthed in 2007, was in response to the treatment homeowners were facing from mortgage companies and to the foreclosure crisis that took place. It has been stated that the basis for these new rules are to protect future home buyers from mortgage companies.
The Foreclosure Crisis
Within the late 2006, the housing industry felt a large blow when a mass amount of foreclosures occurred due to rates on mortgages and also because of the fact that many of the new loans were made to individuals with either bad credit or too low of an income.
Experts believe that the basis for so many of these home loans being in place was the fact that many homeowners thought they could reap benefits when refinancing later on. Even though, their ideology failed because with the interest rates reset higher, refinancing was hard to come by which led to approximately a million foreclosures.
Mortgage lenders, banks and other financial institutions felt the impact dramatically reporting 100's of billion dollars in losses. Not only was the housing industry devastated, but the US economy in a whole was also rocked by the housing crisis. These issues led to the US Federal Reserve cutting down interest rates and to the creation of the economic stimulus package which was passed by the government in 2008 to help offset debt and to spur on economic growth and instill belief in the US economy.
The Economic Stimulus Package
The Economic Stimulus Package of 2008 was passed in order to restore good faith within the economy. Its main purpose was to provide assistance to low and middle income citizens. From the economic stimulus package, all recipients were set to receive at least $300 and an extra $300 per dependent under the age of 17. The maximum pay that a person would receive would be no more that $600. Any individuals with an annual income over $75,000 would not receive any monetary funds except for those who had qualifying children.
In addition to citizens, the law also applied to businesses offered them certain tax incentives. Those include tax deductions on eqiupment meant to improve ones business and an increase in how much a business can deduct in business expenses.
In an article by James Temple from SF Gate he lists several key changes in mortgage practices that was just passed on Monday.
General Mortgage Rules:
- Prohibit creditors and mortgage brokers from coercing appraisers into misstating a home's value.
- Require additional information about rates, monthly payments and other loan features in all advertising.
- Ban seven deceptive or misleading advertising practices, including calling a rate or payment "fixed" when it can change.
Lending Rules For Higher Priced Subprime Loans:
- Force lenders to consider a borrower's ability to repay loans from income and assets other than the home's value.
- Require lenders to document a borrower's income and assets.
- Ban penalties for borrowers who pay off loans early, if the payment can change in the first four years. In certain cases, a prepayment penalty period can't exceed two years.
- Mandate that creditors ensure certain borrowers set aside money to pay for property taxes and insurance, by establishing escrow accounts.
In reference to the new mortgage rules, many claim that these rules will assist many homeowners and aspiring homeowners from companies that prey on them to make a profit despite the views on their practices are questionable. Yet with this belief intact, many individuals still hold firm in their opinion that these rules are just a tip of the iceberg and much more needs to be done within the housing industry and in relation to some of the illegal practices carried on by some of the lending companies.
This article is provided by Ferdie Frederic for S-Proprietor.com, The Entrepreneurs Online Blog. If you are interested in more articles and information please visit our site at http://www.s-proprietor.com
Subscribe to:
Posts (Atom)