Category Archives: How to Buy Foreclosed Home

How to buy foreclosed home has articles on government foreclosures, bank foreclosures, pre foreclosures, court house step foreclosures, and more. You will learn how to invest in foreclosures using various real estate investment methods. There is in depth information on where to find foreclosure listings. You will learn how one type of foreclosure differs from another, and which one is best for your situation.  Where to find money to invest is also covered, as is how to find a good lender, and how to find a good real estate agent. Short sales are explained in detail. How to sell your foreclosure after you buy it is spelled out for you. There is also techniques on how to buy privately owned homes too.  The best foreclosure websites are revealed to you. How to find deals where no down payment is needed, and where closing costs can be paid for you.  Every aspect of the foreclosure process is spelled out for you.

What is in Saks Fifth Avenue

What is in Saks Fifth Avenue

What is in Saks Fifth Avenue
What is in Saks Fifth Avenue are some of the world’s most tasteful, and elegant women’s, designer fashions, shoes, handbags, jewelry and accessories, men’s designer fashions, luggage, grooming products, and much, much more.

Did you know that Sak’s even carries Pet Accessories, and Tech Accessories and Audio?

In fact, Saks Fifth Avenue is considered one of the world’s preeminent specialty retailers.

Women’s apparel designers include: Alice + Olivia, Gucci, Moncler, Prada, Rag & Bone, and Theory, and many more.What is in Saks Fifth AvenueShoes designers include:  Chistian Louboutin, Gucci, Gianvito Rossi, Saint Laurent, Manolo Blahnik, Valentino Garavani, and many more.

Jewelry and Accessories designers include: BVLGARI, Anita Ko, Cartier, Marco Bicego, Ippolita, Roberto Coin, and many more.

Handbags designers include: COACH, Gucci, Jeffrey Levinson, Prada, Versace, Whiting & Davis, and many more.

Beauty designers include:  Chrisitan Louboutin, Creed, Bond No. 9 New York, La Mer, Tom Ford, Creed, and many more.

Men’s designers include: HUGO BOSS, Lacoste, Polo Ralph Lauren, Tag Heuer, Ray-Ban, Yves Saint Laurent,  and many more.

What is in Saks Fifth Avenue

Kid’s designers include:  Elegant Baby, Disney, Calvin Klein, Kissy Kissy, Lilly Pulitzer Kids, Little Giraffe, and many more.

Designers for the Home include: Giorgio Armani, Gucci, Solo Rugs, Saint Louis, Teamson, Waterford, Trish McEvoy, and many more.

Saks Fifth Avenue showcases what’s trending with New Arrivals, Seasonal Trends, Buyer’s Picks, Editorials, New Designers, and Names to Know.

Other Sak’s categories include Games and Entertainment, Gourmet Foods & Candy, and Home Improvement and Organization.

It is easy, and convenient to shop online at the Sak’s Fifth Avenue website. You can shop by category, or by price, or by both.

Price categories start at under $50, and continue to over $2000. You can also shop by Designer, of which Saks has hundreds of the worlds best, most sought after Designers for you to choose from.

Want to know what is popular? Saks also has categories that feature Best Sellers, New Arrivals, and the Fine Jewelry and Watch Guide.

What is in Saks Fifth Avenue

Looking for a great deal on Sak’s merchandise?  Have a look at the Sale category where everything on sale is listed with pictures, descriptions, and prices, and how much you will save.

Are you or someone you know getting married? Visit the Sak’s Bridal Salon for dresses, shoes, accessories, and lingerie.

The Fur Salon features sable, fox, mink, chinchilla, rabbit, lamb,  cashmere, and taffeta coats, jackets, vests, capes, stoles, and more.

Saks Fifth Avenue also has a Home Improvement and Organization department, which is helpful for the discriminating real estate investor, and the home owner that wants to provide with the best materials, products, and appliances.

And, of course the Sak’s Home Decor category features everything needed to outfit and design the home with taste, and class.

Sak’s Fifth Avenue is also known for it’s exemplary service. Call the toll free 877 number, email,  or chat 24 hours a day, and 7 days a week.

Thank you for visiting What is in Saks Fifth Avenue.  Feel free to click on the links, and go to the Saks Fifth Avenue website. Bookmark or favorite, and come back often.

Comments, questions, or suggestions? Please leave them below. I will respond to you directly.  Please share on your favorite social media.  Happy Sak’s shopping!  Tom


What is in Saks Fifth Avenue

What is in Lendingtree

What is in Lendingtree

What is in Lendingtree is America’s largest, reputable, established online lending marketplace that provides loan sources for all of your needs.

What is in Lendingtree

Whether it be for a home loan, an auto loan, a personal loan, a credit card, a student loan, business loan, deposit accounts, insurance, and more, Lendingtree can help you get there.

And, what’s more, it is completely FREE, and there is no obligation whatsoever to get quotes.  You don’t have to clean up, dress up, drive through traffic, locate addresses, or impress a lender.

Plus, instead of the slow, one at a time offline qualifying process, with Lendingtree, you can apply once online, and the lenders will ‘come to you’.  They will be competing for your loan, putting you in charge, and in an advantageous position.

It doesn’t get easier, more convenient, or more effective than with Lendingtree.

And don’t worry about multiple credit inquiries affecting your credit score.  As long as these inquiries are done within a short period of time, they are all treated as a single or one inquiry.

Home Loans

With Lendingtree, you can compare offers from up to 5 lenders at a time.   Loans are available for a home purchase, for a home refinance, for home equity, and for reverse mortgages.

What is in Lendingtree

You tell Lendingtree what type of loan you need, and they will provide up to 5 competitive loan offers from different lenders.

With Lendingtree, you can shop and compare terms, and interest rates across many different financial offerings.

And, so that you can compare the offers to be sure you are picking the best one, Lendingtree provides tools, calculators, and customer reviews to help you select the best lender, and loan for you.

In addition to Home Purchase Loans or Mortgage Loans, Refinancing, Home Equity Loans, and Refinance Loans are also available through Lendingtree.

Home purchase loans. refinancing, home equity loans, and refinance loans are all available for Single Family Homes, Condominiums, Townhouses, Multi-Family Homes, and for a Manufactured, or Mobile Homes.

Lending Criteria

Lenders look at 5 factors to determine your worthiness to qualify for a loan. These 5 factors are:

  1. Credit Score  Your credit score shows how well you manage your debts over time.  Scores are on a scale that ranges from 300 to 850.  The higher the score, the better of a credit risk you are deemed to be by lenders. Higher scores will provide you lower rates.
  2. Household Income  Your gross household income is the total  amount of money that you earn prior to bills and taxes being subtracted from it, such as mortgage payments, student loans, car payments, and credit card payments.  Lenders want to see your mortgage payment plus any other monthly bills to equal 40% or less of your gross household income.
  3. Job History Lenders like to see a job history of at least 2 consecutive years at the same job, or at least in the same company,  industry or job type in order for you to be approved for a mortgage.
  4. Cash Reserves Lenders like to see  your savings amount to from 3 to 6 months of your monthly bills. If you can provide proof of this, you are more likely to be approved for a loan.  This shows the lender that you can meet your obligations should bad luck come your way.
  5. Down Payment Amount  Depending on the type of loan that you are applying for you will need provide proof that you have liquid cash on hand for between 3.5% to 20% of the purchase price of the home. There are zero interest loans available, where no down payment is needed if you can qualify for them, as with a VA, or a USDA loan.

Click here for Credit Repair Magic

Auto Loans

What is in LendingtreeThe types of auto loans available to you through Lendingtree include for a new car, a used car, a refinance, and a lease buy out.

Personal Loans

Personal loans are available through Lendingtree for many different purposes.

These include debt consolidation, pay off credit cards, home improvement, major purchase, business, vacation, wedding expenses, moving and relocation, medical expenses, and more.

Student Loans

Student loans are available through Lendingtree for Associate Degree programs, Bachelor Degree programs, Master Degree programs, and PHD programs.  Other expenses needed to go to school can also be covered.

And don’t worry if you have not established credit, or have poor credit, lender’s won’t punish you.

What is in Lendingtree

Business Loans 

Business loans are available through Lendingtree for Sole Proprietors, Partnerships, LLC’s Limited Liability Company, C Corporation, and S Corporation.

Credit Cards

An array of Credit Cards are available through Lendingtree. A wide variance of companies, types, rates, fees, and benefits are easily applied for.

Conclusion – What is in Lendingtree

Lendingtree is America’s largest online lending marketplace that provides loan sources for all of your needs.

Home loans,  auto loans,  personal loans,  credit cards,  student loans, business loans, deposit accounts, insurance, and more are available.

Lendingtree will provide up to 5 competitive loan offers from different lenders once you choose the type of loan you desire.

With Lendingtree, you can shop and compare terms, and interest rates across many different financial offerings.

This process is free, and there is no obligation.

The 5 factors that lenders use to determine your credit worthiness are: Credit Score, Household Income, Job History,  Cash Reserves, and Down Payment Amount.

Please leave your comments, and questions below. Please be sure to share on social media. Thank you for reading, What is in Lendingtree.  May all of  your loan applications be approved.  Tom

LendingTree Mortgage Loans

What is in Samsung

What is in Samsung

What is in Samsung is Mobile, TV & Home Theatre, Computing, and Appliances and Smart Home products.

Samsung is a leader, and at the forefront in the consumer electronics marketplace. Their website offers free shipping site-wide on an expansive range of industry-leading Samsung products and services.

Mobile includes the latest Phones, Tablets, Wearables, and Apps and Services.

What is in SamsungThe Samsung Galaxy S6, 32GB, UNLOCKED offers you the freedom to choose any compatible carrier network.  A stunning display. Fast charging, and power saving. Multi window to make multi-tasking easy.  Pay almost anywhere you can tap or swipe your card with Samsung Pay.  Works seemlessly with other Samsung devices.

Samsung phones feature the Galaxy S10 5G, Galaxy S, Galaxy A, Galaxy J, Galaxy Note, and Certified Pre-Owned. And new from Samsung is the Galaxy Fold, and the exciting Galaxy Unpacked.


Samsung tablets feature the Galaxy Tab S, What is in SamsungGalaxy Book, Galaxy Tab A, Galaxy View2, Galaxy Tab E, and the Galaxy Tab E Kids Lite.



Samsung wearables include the Galaxy Watch, Galaxy Watch What is in SamsungActive, Galaxy Fit, Galaxy Buds, AKG Headphones, and Accessories.

Samsung Apps and Services include Bixby, One UI, Smart Switch, Samsung Pay, Samsung Health, Samsung Members, Shop Samsung App, and Samsung Kids.


TV & Home Theatre has Featured, TV, Home Audio, and Accessories.

What is in SamsungFeatured includes 2019 QLED, QLED 8K, The Frame, The Serif, Smart TV, Gaming TV, and Connected Living.

TV has QLED 8K, QLED 4K, The Frame, Premium 4K UHD, 4K UHD, Full HD, HD, and all TV’s.

Home Audio give you Q Series Premium Soundbar, Standard Soundbar, and Home Audio Accessories.

Accessories has Stands, Wall Mounts, Bezels, and Power and Adapters.

What is in Samsung

Computing includes Windows Laptops, Windows Desk Tops, Chromebooks, Tablets, Monitors, and Memory and Storage.

With the Samsung Notebook 7 Spin, it’s easy staying on task. Rotating a full 360 degrees, the touchscreen display adjusts to any angle you want, from tablet to landscape mode with just a turn.

Jot down notes with a compatible active pen, while Voice Note saves every word for later. With the power of Windows 10 Home and a 512GB SSD drive, the Notebook 7 Spin can handle any project.


Appliances and Smart Home provides Refrigerators, Laundry, Cooking, Dishwashers, Microwaves, Vacuums, and Smart Home products with trackers, and sensors.
What is in Samsung







Samsung is an industry leader, an innovator,  and at the very forefront in the consumer electronics marketplace.

Their website offers free shipping site-wide on an expansive range of industry-leading Samsung products and services.

Whether you are looking for the latest Phones, TV’s and Home Theatre, Tablets, Wearables, and Accessories, Computing, and/or Appliances and Smart Home products, Samsung has the highest quality products, the best selection, and at the lowest prices.

Thank you for dropping by What is in Samsung.  Bookmark/Favorite, and come back anytime. Please leave your comments, and questions below. Please share on social media.  Enjoy your Samsung shopping.


What is in Samsung

What is in GameStop

What is in GameStop

What is in GameStop
What is in GameStop is the world’s largest retailer of video games, offering an extensive variety of new products, systems, wireless services, top notch customer service, and pre-owned items that are value added.

At GameStop you can find video games, consoles, tablets, and more. You can also find collectibles, high performance accessories, and the latest apparel at GameStop.

Deals and discounts by platform are also offered.  Platforms like PlayStation 4, Xbox One, and Nintendo Switch among others.

Click here for GameStop featured products and offers!

When you sign-up to be on the GameStop mailing list, you will be sent the newsletter which has exclusive promotions, coupons, and links to the weekly ad that only subscribers of the newsletter receive.

You may also receive related information about chain events such as midnight openings, tournaments, and more.

GameStop offers free shipping on orders that are over $50.  You can reserve your item online, and pick it up the same day at over 4,000 locations.

You can also trade In electronics, consoles, games & accessories and receive trade credit or receive cash.


What is in GameStop

Click her to get the new Nintendo Switch Lite Pokemon edition now available for Pre-Order at

At GameStop you can bring in your video games, systems, phones, tablets, and accessories. You can receive cash or trade credit. You can save on the games you really want when you trade.

Values are the same whether you choose credit or cash for your trade. When you trade for certain designated games you can get additional credit, or price guarantees. What is your stuff worth?

What is in GameStop

Click here for games, systems, and new and refurbished consoles!

The GameStop motto is, “Power to the Players”  In addition to Power Up Rewards, and Weekly Deals, GameStop also offers Gift Cards.  Who wouldn’t want a Gift Card from GameStop?


What is in GameStop

                                Click here for music, movies, and games!


Did I mention that GameStop offers free shipping on orders that are over $50.  You can reserve your item online, and pick it up the same day at over 4,000 locations.What is in GameStop        Click here to join GameStop online or to log in to GameStop!


Thank you for visiting What is in GameStop.  Feel free to click on the links, and go to the GameStop website. Bookmark or favorite, and come back often.

Comments, questions, or suggestions? Please leave them below. I will respond to you directly.  Please share on your favorite social media.  Happy gaming!  Tom

What is in Ebay

What is in Ebay

What is in Ebay
Ecovacs DEEBOT N79S Robotic Vacuum Cleaner (Black)

What is in Ebay may surprise you. For instance, did you know that 80% of all  the  items on Ebay are new?  That little fact really surprised me when I first discovered it.

Did you know that Ebay offers free shipping for every Ebay Deal every day?  Most Ebay items ship for free.

Membership not required.   Ebay also offers new name brand products that all come with the low Ebay price through Ebay’s, the Brand Outlet.

What is in Ebay
Apple iPhone 7 128GB “Factory Unlocked” 4G LTE iOS WiFi Smartphone

Name brands like Bose, Apple, Calloway, Sony, Samsonite, Hasbro, Funko, and many more. Almost any product you can think of, you can find on Ebay, and save up to 70% off the retail price.

And, of course, Ebay is known for it’s exciting auctions on thousands of different items, along with it’s popular ‘Buy it Now’ feature.

Another fun fact about Ebay that I didn’t realize is that you can even purchase a car on Ebay.  Who knew?

And, most vehicles for sale on Ebay come with a Vehicle Protection Plan at no charge to you that covers you up to $100,000.

What is in Ebay is Gift Cards
What is in Ebay
Ebay Digital Gift Card Happy Birthday Candles – Email Delivery

Ebay also offers Gift Cards for any occasion. Email, and snail mail approved.  Top, name brand gift cards at a discount.  You can gift the names they love at affordable prices for you.

You can send Gift Cards for birthdays, weddings, graduations, and thank yous.  Some of the most popular Gift Card brands are Apple iTunes and app Store, Cabela’s, Sephora, Olive Garden, GameStop, Lowe’s, and Macy’s.

You can even shop Gift Cards by category such as electronics, fashion, sporting goods, health & beauty, and travel to name a few.

What is in Ebay
14KT Yellow Gold Natural Diamond Stud Solitaire Earrings Brilliant Cut 0.35 Ctw

Ebay also offers ‘Worry Free Shopping’ that features a Money Back Guarantee on virtually all items. Get the item your ordered, or get your money back.

Not happy with the condition of the product you ordered? Ebay will help you return it.

It is also easy to return an item on Ebay.  Millions of items on Ebay are returnable. And if you have a question, or need to resolve an issue, Ebay’s customer service department is available 7 days a week.

If something goes wrong, Ebay is right there with the support you need. And, if you can’t get the help you need through the normal channels, you can even call Ebay on the phone Monday to Sunday 5:00 am to 10:00 pm Pacific Time US.

What is in Ebay
Dolphin Nautilus CC Plus Swimming Pool Inground Robotic Pool Cleaner 99996403-PC

Tracking an  order is also a piece of cake on Ebay.  Tracking is available on millions of items, and it’s a snap to check your order’s status.

Do You Have Something to Sell?

Have something to sell? Ebay offers an excellent platform to sell most anything.  Enormous amounts of online traffic full of buyer’s looking for everything under the sun flow to Ebay every day.

It’s like having a shop on Main Street with busy foot traffic 24 hours a day, 7 days a week, and 365 days a year.

Sell and buy electronics, cars, collectibles, fashion apparel,  sporting goods, digital cameras, baby items, and much, much more anytime, day or night on Ebay.

What is in Ebay
Dell Alienware 1900R AW3418DW 34.14″ WQHD 3440x1440p 4ms 120Hz Overclocked NVIDI

For every Ebay buyer and seller, Ebay provides the very handy My Ebay.  My Ebay gives you a summary of all of your activity on the Ebay website.

This includes Recently Viewed, Bids/Offers, Watch List, Purchase History, Selling, Saved Searches, Saved Sellers, and Messages.

All the information you need is right at your fingertips, and in one place with My Ebay to keep you organized, and up to date.

With the convenient search window, and drop down category menu at the top of every Ebay page, you can find what you are looking for quickly, and easily.

What is in Ebay – Conclusion

80% of all  the  items on Ebay are new.   Ebay offers free shipping for every Ebay Deal every day?  Most Ebay items ship for free.

Ebay also offers new name brand products that all come with the low Ebay price through Ebay’s, the Brand Outlet.

Ebay is known for it’s exciting auctions on thousands of different items, along with it’s popular ‘Buy it Now’ feature.

You can even buy a car on Ebay.  Ebay also offers Gift Cards for any occasion.

Ebay also offers ‘Worry Free Shopping’ that features a Money Back Guarantee on virtually all items.  If something goes wrong, Ebay is right there with the support you need.

Have something to sell? Ebay offers an excellent platform to sell most anything.

For every Ebay buyer and seller, Ebay provides the very handy My Ebay to keep you organized, and up to date.

Please leave your questions and comments below.  Please also like and share on  social media. Thank you for stopping by What is in Ebay. Come back anytime.   Good luck in your buying and selling.  Tom

What is in Affiliate Marketing

What is in Affiliate Marketing

Market share report: a pie chart
Affiliate marketing helps the company as well as the affiliate marketer.

What is in affiliate marketing is a method of marketing online that has many advantages.  It is used by tens of thousands, if not hundreds of thousands of individuals, and businesses within the internet.

Affiliate marketing is the sales process of generating an online commission by advertising and selling products, services, or programs for online companies.

Many astute businesses with an online presence offer affiliates an opportunity to represent them, and the products or services that they offer.

This provides them with a built in army of online salespeople to sell for them without having to pay until a sale is made. This can mean a substantial increase in revenue, and profits for them, and a good source of commissions for their affiliates. It is the best of both worlds.

Online companies that offer an affiliate program are called advertisers.  Affiliates that take advantage of this program, and who sell and represent for the online company are called publishers.

In order to become an affiliate or a publisher, all that is required is to go to either the company’s website, or to the affiliate network website that handles their affiliate program for them, and apply.

The rules to become an affiliate vary from one place to the next. Some company’s allow anyone to join, and provide immediate acceptance.

Others make you jump through a lot of hoops, and place strict requirements on their would be affiliates, making it more difficult to become one.

The good news is, with the incredible growth, popularity, and prosperity of the internet, and so many businesses doing business on the internet, it is normally not too difficult to find a company that has a product of service you will want to sell, and a corresponding affiliate program that will enable you to sell it for them.

Since you already know what affiliate marketing is, I will explain to you the benefits of becoming an affiliate, what affiliate networks are and how they work, how to become an affiliate marketer, and my number one recommendation for affiliate marketing training.

Benefits of Becoming an Affiliate

What is in affiliate marketing
There are many benefits to becoming an affiliate marketer.

Becoming an affiliate marketer has many benefits. As an affiliate, you are given an opportunity to sell products and services for an online company or a company that is offline, and has an online presence.

You will be able to tap into the numerous advertising methods that these companies provide, such as banner ads, affiliate links, text ads, email ads, videos, and others at no cost to you whatsoever.

These ads will all have your specific identification on them, so that if you send someone to the company through  one of these ads or links by way of an email. a Facebook ad, a banner or text ad on your website, or any other way, and they purchase a product or service, you will get a commission.

In addition, you don’t have to communicate with the customer, do any of the order processing, order fulfillment, packing, shipping, or anything else that is needed to complete the sale.

Also, as an affiliate, you have very little, if any legal responsibility. If the customer has an issue with the product, or the service or any other aspect of the sale, the onus is on the company that provides the product of service, not on you the affiliate.

So, no worries about irate customers, law suits, or the headaches and expenses that oftentimes go with them.
Effectively, as an affiliate, you get most of the benefits, with none or virtually none of the responsibilities.

You simply sit back, and collect your commission. Commissions are usually paid through PayPal or other online pay service, through a bank wire, or a physical check that is mailed to you.

Your commissions will vary, depending on the product or service you are selling, who you are selling it for, the price of the product or service, and of course the supply and demand of said product. Most affiliate commissions are in the 2 percent to 25 percent range, with a few items paying more.

There are even some products and programs that pay quite a bit more, but these are more the exception rather than the rule. Perhaps the biggest benefit of affiliate marketing is that it is portable.

You can literally ply your trade as an affiliate marketer anywhere in the world as long as you have your laptop, and the internet is accessible. And you can work when you want because you never have to punch a time clock as an affiliate marketer.  From where I sit, it doesn’t get better than this.

This however doesn’t mean that you can go out and misrepresent the products, services, or company that you advertise for as an affiliate marketer. You still have to conduct yourself with above board ethics, and scruples in your affiliate business dealings.

The company you represent can and will penalize you, and if the infractions are serious enough, they can end the affiliate relationship with you.

What are Affiliate Networks?

What is in affiliate marketing
Affiliate networks are a one stop shop for affiliate marketers looking for products, and services to represent.

Affiliate networks are an affiliate marketers, as well as an affiliate business looking for affiliates best friend. Affiliate networks are a single website location that houses hundreds, and thousands in some cases of affiliate opportunities.

The affiliate simply joins the affiliate network, and he can then search within the network for the opportunity, and/or product that he wants to sell and represent.

So instead of applying individually to companies to become an affiliate for them, he joins the affiliate network, fills out the application one time, and from that point can apply quickly and easily to the program he wants to sell for.

This saves him an enormous amount of time and energy searching for, and applying to become an affiliate. Once the affiliate is an approved member of the affiliate network, applying to represent one of the companies within the network is often as simple as pulling up the company, and clicking one button to apply.

The business or program that offers an affiliate program also loves the affiliate network because they handle their affiliate program for them. This saves them time, labor expenses, and other headaches associated with dealing with affiliates.

They usually pay the affiliate networks in a percentage of commissions generated by the affiliates that sign up through their networks, and make purchases through their website or company.

Some of the more popular affiliate networks are: Amazon, Clickbank, Commission Junction aka CJ, JV Zoo, ShareaSale, Rakuten, among others.

How Can I Become an Affiliate Marketer?

What is in affiliate marketing
Proper training is the best way to embark on your affiliate marketing journey.

You could go it alone, and try to become an affiliate marketer through your own devices. This route will likely prove to be very slow, very expensive, and very frustrating.

Or, you could find someone to mentor you to become an affiliate marketer. Although this route is preferable to the go it alone route, it may prove to be very expensive, and limit your learning and experience to a narrow path that benefits your mentor more than it benefits you.

The suggested best route to take to become a successful affiliate marketer would be to find a program that offers thorough training, every tool that is needed including websites, hosting, ongoing support, and a community of like minded individuals that go to great lengths to assist fellow members whenever a need arises.

You want a program that is FREE to start, and enables you to fully understand what is offered, and how it will help you become successful before you are asked for any money. This program should be very affordable with no upsells, and provide enormous value to every participant.

You also want a program that you can take advantage of around your schedule, anytime, anyplace(as long as there is internet access) and for as little or as much time as you would like to spend with it at that moment.

The Only Affiliate Training Program Worth Considering

I have looked at, and joined many online training programs. I have spent thousands of dollars and countless hours listening to videos, reading tutorials, participating in seminars, you name it, but the only program I have joined that has lived up to it’s promises, and really exceeded those promises is a program called Wealthy Affiliate. 

What is your concept of success? $20/day? $100/day? $1,500/day, Even more? All of these are entirely possible with the websites, the education, as well as the helpful community that you are going to be able to make full use of at Wealthy Affiliate.

Each day there are new member success stories being shown. The sky is the limit to the level of success you can achieve. All it takes is some elbow grease and hard work.

What is in Affiliate Marketing Can Be Your Answer

Affiliate marketing is the sales process of generating an online commission by advertising and selling products, services, or programs for online companies.

There are many benefits to the affiliate for becoming an affiliate marketer.  These benefits include full use of the company’s advertising methods, and none of the communication, processing, fulfillment, and legal responsibilities associated with doing business.

Affiliate networks are a single website location that houses hundreds, and thousands in some cases of affiliate opportunities.

This helps the affiliate as he only needs to apply once for numerous opportunities. This helps the affiliate company as the network handles their affiliate program for them.

You can become an affiliate marketer on your own, or you can take the wise route, and use training and mentorship by joining an affiliate training program.

The only affiliate training program that I recommend is Wealthy Affiliate due to their extensive trainings, tools, mentorship, helpful community, and top notch support.

If freedom, independence, and prosperity is what you seek, Wealthy Affiliate may be your answer.

Feel free to leave your comments, questions, and suggestions below. Please also feel free to share this article on social media.

Good luck on your affiliate marketing journey. I wish you success. Thanks for reading, What is in Affiliate Marketing.   Tom


What is in Foreclosure

What is in foreclosure
Foreclosure buyers need to know what a foreclosure looks like to make an informed buying decision.

What is in foreclosure is a question I have been asked many times. As a real estate agent for a number of years specializing in foreclosures, I have seen, and sold many various foreclosures.

I have seen government foreclosures such as HUD’s, Fannie Mae’s, Freddie Mac’s, VA’s, USDA’s, and others. I have also seen and sold bank owned foreclosures, also known as REO’s or real estate owned.

Many interested foreclosure buyers want to know what a foreclosure looks like after it is taken over by the different government agencies, or banks.

They are concerned that the previous owners have gone to great measures to compromise the homes and property due to being foreclosed on.

Their greatest fear is that they will commit to buying a foreclosure, and be stuck with a home that requires mass amounts of money, and work to make it livable, and to maintain it.

I will explain to you what foreclosures are, the foreclosure process, what is in foreclosure, and where to find foreclosures.

Click here for Credit Repair Magic

What are Foreclosures?

What is in foreclosure
Foreclosures result when the homeowner gets behind on his payments for an extended period of time.

Foreclosures come in every different home type, price range, location, and condition.

When Mom and Pop Homeowner get behind on their mortgage payments, usually a period of 3-4 months, they receive a default notice from the mortgage holder, which is usually a bank or other lender.

This default notice tells the homeowners that they have a certain period of time to bring the money that is owed up to current, and thus to have the loan reinstated.

This time period is usually around 90 days. This money due may also include late fees, administrative fees, legal fees, and other charges in addition to the back mortgage payments.

If the loan has not been brought up to current to the satisfaction of the lender by the end of the default period, the foreclosure process will begin.

Many times, the homeowner or borrower is allowed to stay in the home until the property is actually sold, although this is not the case with government foreclosures.

At this point, the bank owned property or REO will be put up for sale on the county courthouse steps, or, in the case of a government foreclosure, it will be readied for sale by the agency asset manager, and by the appointed listing agent, and put up on the market for sale.

When the property sells, an eviction notice is given, and the former homeowner will need to move out right away if they have not been forced to move out prior to this point.

Normally a grace period of several days is given in order to allow the removal of furniture and personal goods from the home. If this instruction is not followed, a Sheriff will be notified to forcibly remove the inhabitants from the premises.

What is in Foreclosure?

What is in foreclosure
(Actual HUD foreclosure) Many foreclosures are in good shape.

I have had many people tell me that they are sure that foreclosures are left in disrepair, and even purposely destroyed due to the fact that the borrower/homeowner is behind on their payments, and being foreclosed on, and thus losing their home.

The truth is that this is normally not the case. Most foreclosure homes are not very different from any other home you may see for sale, at least as far as the condition of the home is concerned.

Foreclosure homes do tend to be a bit dirtier, and perhaps in need of a few cosmetic repairs, usually due to the impending foreclosure, and a longer period of vacancy than a standard home.

This is also due to the fact that the foreclosed homeowner has little or no concern due to zero vested interest as to whether their former home is prepped for a fast sale at an optimum price.

Often times though the bank, or the government agency that has taken the home back, will clean the home and property, and make needed repairs to ensure that the home is safe, and secure to show.

However, in 4% to 5% of the foreclosure homes that I have seen, there has been what appears to be an attempt to sabotage the bank of other foreclosing entitiy in their efforts to resell the home.

I have seen holes that have been punched in walls, decks missing legs, stairs missing steps, appliances rendered unusable, toilets missing, faucets removed or damaged, and much more.

There have been instances where rotten food, and dead animals were placed in the home in order to create a stench that would make the home more difficult to sell.

I have even seen in a few cases where it appeared that someone went through the entire home with a baseball bat, and destroyed everything that they could see, such as stoves, refrigerators, walls, windows, doors, bathrooms, floors, stairs, lights, you name it.  Fortunately, this situation is the exception, and not the rule.

Where to Find Foreclosures

What is in foreclosure
U.S. government foreclosures can be found on the specific agency website, and through the MLS.

Foreclosures are actually easier to find than you might think. The quickest, and best way to find foreclosures is by enlisting the help of a real estate agent.

Not just any agent though, as most agents will have you believe that foreclosures are difficult, and risky to buy. Although there are some foreclosures that fit this description, most are not difficult to buy, and if you do your due diligence, they are not risky either.

You ideally want a real estate agent that has some experience with foreclosures, and if possible you want to find one that specializes in foreclosures. Why is this important?

Realtors have access to the MLS, or Multiple Listing Service, which has the vast majority of foreclosures in your area listed. This list includes both bank foreclosures, as well as government foreclosures.

All you need to do is tell the agent some of the details as to what you are looking for, such as price range, area, number of bedrooms, baths, etc., and they will happily email you the foreclosure listings that meet your criteria. And, if you allow them to be your buyer’s agent, they will show you any and all homes you are interested in.

In addition a good foreclosure real estate agent will help you navigate through the foreclosure process, which normally isn’t difficult if they have some knowledge, and experience with foreclosures. And, don’t worry about paying them a commission either. The seller pays your buying agent’s fees.

If you would rather attempt to locate foreclosures on your own, there are numerous websites, and other sources that you can easily access.

For instance, if you are interested in government foreclosures, all the various government agencies that offer foreclosures have websites that list their available foreclosure properties for you.

Government foreclosure websites:

HUD – U.S. Department of Housing and Urban Development

Fannie Mae – FNMA – Federal National Mortgage Association

Freddie Mac – FHLMC – Federal Home Loan Mortgage Association

Ginnie Mae – GNMA – Government National Mortgage Association

Veterans Administration – VA  U.S. Department of Veterans Affairs or

United States Department of Agriculture – USDA or

Federal Deposit Insurance Corportation – FDIC

U.S. Department of the Treasury/Internal Revenue Service – Treasury/IRS

For Bank Owned foreclosures also known as REO’s you can go to the particular banks website or try or

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Are Foreclosures for You?

What is in foreclosure
Foreclosures offer the chance to buy a home at a discount in many cases.

Foreclosures are properties that have been taken back by the mortgage holder due to an inability of the homeowner to make good on their monthly mortgage payments.  Foreclosures can be either bank owned – REO’s or government foreclosures.

Bank owned foreclosures are initially sold on the county courthouse steps. Or, if they are not successfully sold on the courthouse steps through the auction, they are then listed on the particular bank’s website that holds the mortgage, and in the MLS, or multiple listing service.

Government foreclosures are listed on the particular government agency website, and on the MLS, or multiple listing service.

Both types of foreclosures are sold with the assistance of a licensed real estate agent or broker, although the initial courthouse steps auction may not require the use of a Realtor.

Foreclosures offer opportunities to purchase properties at under market value. Most foreclosures are in good shape or condition. This means that the home’s systems are in livable condition.

These systems include the roof, plumbing, electrical, and HVAC. The foundation of the home is not considered a system per se, but it is vital that it is without issues.

I always recommend the buyer does an inspection of the property  to ensure that they have recourse so their investment will be protected.

A small percentage of foreclosures, less than 5% have been damaged or left in poor condition by the former homeowner. A simple viewing will usually reveal to you if this is the case.

If you have doubts as to the condition, you can bring a contractor, builder, or other home specialist with you on the showing.

They can do a visual inspection for you, and let you know if they detect any problems, or potential problems with the home. You also have the option of making your offer contingent on the outcome of an inspection.

Inspections are almost always money well spent as they give you an out should it reveal any major problems. Inspections also may allow you to renegotiate your offer to reflect the repair costs needed to bring the home to an acceptable condition.

Buying a home is in almost every case the largest investment you will make. As a Realtor, I have been a part of many foreclosure sales that have resulted in great savings for the home buyer. You may have to jump through an extra hoop or two, but it can be well worth it.

What is in foreclosure is big profits, equity, and/or a nice place to call home if you do your due diligence, and understand the processes.

Feel free to leave your questions, comments, and suggestions below. Please also feel free to share on social media. Thank you for reading What is in Foreclosure, and good luck with your foreclosure buying.

What is in Diamonds

What is in diamonds
What is in diamonds can determine the quality and value.

What is in diamonds is a question everyone should ask before they buy any loose diamonds or diamond jewelry, whether it be a ring, a pendant, a watch, a necklace, with gold jewelry,  or any of a dozen other types.

What is in diamonds and what isn’t in diamonds are important factors in determining a diamond’s value. Knowing how this value is determined is the most important information you can arm yourself with before hitting the diamond buying trail.

I will explain how diamonds are formed, what they are made of, and how they are found. I will let you know about the 4 C’s, what they are, and what they mean to you as a diamond buyer.  I will also explain the difference between laboratory grown diamonds and real diamonds.

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How Diamonds are Formed

Diamonds are formed deep within the earth, more than 100 miles deep in the mantle of the earth from highly pressurized and very high temperature carbon deposits.

They are then brought to the earth’s surface from deep source volcanic eruptions. Kimberlite, and Lamproite is produced from these eruptions, which is what the diamond companies are after.

Diamonds are made from a single element, carbon. Diamonds are considered the hardest rock on earth. Only another diamond can scratch a diamond.

The word ‘diamond’ is defined as unbreakable or invincible.  These natural, transparent stones or diamonds are very rare, and combined with their brilliant, sparkling appearance, can be very valuable.

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How are Diamonds Found

What is in diamonds
Diamonds are found and mined from volcanic Kimberlite deposits.

Diamonds are found and mined from the remnants of volcanic eruptions from Kimberlite or Kimberlite pipes. Kimberlite pipes are the opening that is formed from a volcanic eruption that contains this Kimberlite. Within the Kimberlite is where the diamonds are found.

Much of this Kimberlite is not on the surface of the earth, but just below it. Mining is done to recover the Kimberlite ore, break up the rock, and sift out the diamonds. Large scale mining operations are undertaken to mine and process this ore material that contains the diamonds.

Experts say that 250 tons of ore is mined for each diamond that is recovered.

The 4 C’s of Diamond Quality and Valuation

The accepted method of diamond valuation is called the 4 C’s. The Gemological Institute of America, also known as the GIA developed the 4 C’s in order to create a universal language to understand the challenging task of determining a diamond’s quality.  These 4 C’s are the four attributes that all diamonds share. They are: Color, Clarity, Cut, and Carat.

Color  When grading diamonds, the less color, the higher the grade.  The GIA color scale categorizes diamonds on an alphabetical scale starting with D colorless down to the letter Z for brown or light yellow.  A master set of diamonds that represent each grade is used to compare other diamonds to determine their appropriate grade.

Clarity Eleven clarity grades are utilized on the GIA scale starting with Flawless as the most desireable at the top of the scale, regressing all the way to I 3.

Flawless means that there are no inclusions, flaws, or blemishes visible to the naked eye or with a microscope at 10 times magnification.

What is in diamonds
The 4 C’s are Color, Clarity, Cut, and Carat.

A microscope, and a 10 times magnification loop are utilized to identify, and plot the inclusions. Diamonds are also carefully checked to be sure that no treatment was used to artificially improve the clarity. No two diamonds are exactly the same, so a unique plot is used to grade a particular one.

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Cut  Brilliant round diamonds are used for the GIA cut scale.  Five different grades are used on this scale starting at the top with an Excellent Grade, then to Very Good, Good, Fair, and down to Poor at the bottom of the scale.

The shape of the diamond is only one aspect of determining a cut grade. The amount of brilliance and sparkle of a diamond is determined by how well it is cut and polished.

A high precision measuring device that rotates the stone 360 degrees is used so that facet angles, and hundreds of measurements can be captured.

A system designed by scientists was developed that enables a given diamond’s proportions, symmetry descriptions, girdle thickness and other specific measurements to be taken into account to help establish an accurate cut grade.

Carat  Carat or Carat Weight is a weight measurement of a given diamond.  One carat equals in weight one fifth of a gram, or 200 milligrams.

Each diamond is placed in a sealed chamber at the GIA laboratory on an extremely precise electronic scale, and weighed to the fifth decimal place.

An official GIA grading report is issued for each diamond which provides information about the diamond’s 4 C’s, and a great deal more about the diamond.

This GIA grading report is the most technologically advanced evaluation of a diamond possible. It provides a complete, permanent record of a diamonds’s quality, and a blueprint of a diamond’s attributes.

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Lab Grown Diamonds versus Real Diamonds

What is in diamonds
It may be difficult for the untrained eye to tell the difference between lab grown diamonds, and real diamonds.

Laboratory grown diamonds have burst onto the scene in the diamond world in the last few decades, with more of a presence now than ever. How do these lab diamonds compare with real diamonds? Are these diamonds that I should consider buying over real diamonds?

Lab diamonds are man made diamonds, and like real diamonds are made out of carbon.  These lab grown diamonds are also known as synthetic diamonds, artisan diamonds, or simulated diamonds.  Lab grown diamonds are manufactured two different ways.

HPHT Method – High Pressure High Temperature

CVD Method – Chemical Vapor Deposition

HPHT, and CVD are exactly the same chemical composition as a real or natural diamond, but man made.

Moissanite, which is a diamond simulant, is actually not a diamond at all.  It is made from silicon carbide, which is not as hard as a diamond.

Perhaps the biggest difference betwee the HPHT, CVD, and Moissanite lab grown diamonds, and natural diamonds is that they will not hold their value like a real or natural diamond.

The reason for this is that there is an endless supply of lab grown diamonds. Lab grown diamonds can be manufactured quickly, and easily, and in large quantities.

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Natural or real diamonds on the other hand are much more rare. Natural diamonds have to be located, and mined, which is a costly, time consuming, and difficult process.  This rarity, and scarcity factor will always buoy the value of real diamonds.

What is in Diamonds is Key

Diamonds are formed deep within the earth from extreme high temperature, and extreme high pressure carbon deposits. Diamonds are formed from a single element, carbon. Diamonds are brought to the earth’s surface from deep source volcanic eruptions.

What is in diamonds
Real or natural diamonds hold their value.

Diamonds are considered the hardest rock on earth. Diamonds are found, and mined from Kimberlite deposits. On average, 250 tons of ore is mined to produce one diamond.

The 4 C’s that determine a diamond’s quality, and value are Color, Clarity, Cut, and Carat.

Lab grown diamonds are man made diamonds, and like real diamonds are made out of carbon. These synthetic diamonds are made either using the HPHV method, or the CPV method.

Moissanite, a simulated diamond is made from silicon carbide, and is not technically a diamond.

The biggest difference between a lab grown diamond, and a real diamond is the scarcity, and rarity factor of real diamonds compared to the endless, ever ready supply of lab grown diamonds. This factor makes real diamonds more valuable, and will help sustain their superior value over the long term.

Feel free to leave your comments, or questions below. Please also feel free to like and share on your favorite social media. Thank you for reading, What is in Diamonds.

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What is in Drones

What is in drones
Drones have many different uses and applications.

What is in drones is a question that has many answers. There are many different types of drones that are used for many different purposes.

Within these different drones are many different components, and materials used to construct them.

I will describe to you what drones are, and what drones are made of. I will also tell you the various features, and uses that drones currently have.

The growth and popularity of drones over the last decade has been phenomenal, and this growth and popularity does not appear to be slowing down at all.

What are Drones?

Drones originated from the military, and the term drone refers to any unmanned aerial vehicle with a flight path that is pre programmed, and not controlled by a human, meaning not controlled by a human in the vehicle.  The word Drone means: to make a continuous low humming sound.

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Drones are also known as UAS’s or unmanned aerial systems, or UAV’s or unmanned aerial vehicle. Drones may also be known as quadrocopters or quadcopters if has 4 rotors or propellers, and an octocopter if has 8 rotors or propellers.

Drones are also known as RPAS or remote piloted aerial systems, as well as ‘Flying Robots’.  Drones are preprogrammed or remote controlled aerial objects or devices that have many applications, and uses. Drones are used commercially, recreationally, and militarily.

Drones use rotors or upward facing propellers to generate lift, direction, and speed. Recreational or hobbyist drones normally use 4 rotors. Commercial, and military drones utilize between 4 and 8 rotors per drone.

There are camera drones, video drones, live view drones, mini drones, and large drones.

What is in Drones?

What is in drones
Commercial drones are fast, durable, and very useful.

If you have ever wondered as I have, what is in drones? What are drones made of?  The commercial drones components are made of carbon fiber, which is highly durable, stiff, and strong.

An added benefit of using carbon fiber for drones is that it is also light, which in aviation is a vital consideration.  Carbon fiber is used to make the legs, and the top and bottom frames. The drones body is protected by a thick, molded plastic cover.

Commercial drones tend to be more flexible than recreational or hobbyist drones, so that they can adapt to a wide variety of uses.

Much of a typical commercial drone’s interior components consist of computer printer generated layered plastic.

These components are:

Arm receptacles, and arms, one per rotor, so if the drone has 4 rotors it will also have 4 arm receptacles, and 4 arms

An electronic speed controller, one for each rotor, so if the drone has 8 rotors, it also has 8 electronic speed controllers

 An autopilot which is the online computer that runs the drone

A power harness that connects the different speed controllers

The payload mount that supports and controls the camera position, and the hard drive

A servo motor which controls the payload mount, the camera, and the hard drive

Rotors or Propellers provide lift, direction, and speed of the drone

Recreational or hobbyist drones utilize less expensive, and less durable materials and components than commercial drones, as a general rule.  The price point for recreational drones is usually less also.

For instance, instead of carbon fiber, the hobbyist drones will normally feature more plastic within the body, and components.  These drones tend to be the smallest drones of the three main types of drones. Smaller than commercial drones, and much smaller than military drones.

The quadcopter drones are most frequently used as a recreational drone.

Military drones have been in existence for many years, and are the original inventors and designers of drones. Military drones are made of the finest sturdy, and expensive materials. These drones also feature the most advanced, state of the art components, and technology.

Military drones are made of lightweight, composite materials for optimum maneuverability, strength, durability, and speed.

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What are Drones used for?

What is in drones
Military drones can be large, and are made of expensive, sturdy materials and components.

As mentioned previously drones have many uses from fun recreational or hobbyist applications, to the productive, helpful commercial drones, to the serious, vital military drone applications.

Recreational or hobbyist drone uses: Like other remote control aircraft, these drones are a very popular hobby or pass time that is practiced for personal interest, and the simple enjoyment that it brings.  The recreational hobby drones have even spawned racing leagues, from amateur to professional.

Taking photos and videos for personal use is also a common hobbyist drone practice. Hunters may utilize drones to locate prey, although some may consider this to be an unfair advantage.

Commercial drone uses: The advent of drones has created many extremely productive, and beneficial commercial use applications.

For instance, these commercial drones are used by real estate agents and brokers to take photos and videos of their properties from vantage points that simply were not possible or feasible before.

Farmers use commercial drones in order to inspect the condition of their crops without having to drive long distances and physically look over their product, and fields by using the aerial photography, video, and live video features that these drones offer. This saves them time, work, and money.

Cartographers or professional map makers, and others that need to create maps often utilize drones to help them accomplish this end.

These drones are also helpful to those in marine related industries in order to access sea, wind, and temperature conditions that could affect their safety, and ability to do their job in an effective, acceptable manner.  It is also possible to locate and track the movement of marine life.

Along this same line, drones are used by game wardens, park rangers, and wildlife managers to monitor the condition, numbers, and movement of wildlife.

Commercial drones also provide important, potentially life saving information in search and rescue operations, for police for accident conditions, to help search for fugitives, and to access a potentially dangerous criminal situation.  Can be used to determine the severity, and movement of wild fires helping to save lives, and minimize damage.

Other commercial drone applications include wedding photography and videos, advertising and promotional videos, topographical video for road building, and for determining feasibility for anthropoligical sites.

They are also useful for inspecting large aircraft, and ships which is safer, faster, more thorough, and less expensive than conventional means. There are many other uses for drones from a commercial perspective.

Military drone uses:

Surveillance. Knowing the position, whereabouts, types of armament, and movement of the enemy is of utmost importance in a military/combat situation.

Military drones can also provide valuable intel for potential bombing missions such as locations and activity of bridges, factories, military installations, roads, etc.

In addition, military drones can be equipped with bombs, machine guns, missiles, and other weapons that be used to attack certain targets.

These unmanned drones, of course also provide safety, which may be their strongest attribute. Also, compared to other military aircraft, drones are quite economical.

One of the most promising areas of advancement in modern military aviation, is the military drone.

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Join the Drone Revolution

What is in drones
Drone popularity is stronger than ever, and continues to increase.

Drones are unmanned aerial vehicles that are controlled either by a program, or by remote control. Drones are also known as UAS’s Unmanned Aerial System, UAV Unmanned Aerial Vehicle, Flying Robots, quadcopters, and octocopters.

Drones are used for many different purposes, and are made from and with different materials and components. There is a wide selection of drones available to the public, and a wide range of prices.  The three types of drones are recreational, commercial, and military.

Recreational or hobbyist drones are the least expensive of the three drone types, and are used for personal interest and enjoyment.

Commercial drones are more expensive than recreational drones, use more expensive and durable materials and components, and are used for many commercial purposes due to their ability to take aerial photographs, videos, and live video, such as in real estate.

Military drones are the most expensive of the three drones, and use lightweight, and extremely durable materials and components in their construction. These drones are used for surveillance, and for combat operations.

Before you buy a drone, make sure you know what the aviation laws that affect drones are in your country. You also need to know what the regulations are to become a drone operator, if any.

There are some steep fines, and penalties involved for those who attempt to circumvent drone laws and regulations.

Feel free to leave a comment, or question below. Please also feel free to like and share this article on your favorite social media from the buttons below. Thank you for reading, What is in Drones.

Best at Home Safes

Best at home safes
Burglary and Fire protection UL listed BFS912E5LP  click on picture for more information

Would you like the know the best at home safes?  Whether you are ready to buy a home safe, or if you are just gathering information in order to make a smart safe purchase in the future, you have come to the right place.

You may want to know if you should own a safe with strong burglary protection. Or you may think you should own a safe that will protect your valuables from fire.

Perhaps you own guns, and would like to keep them away from the curious hands of children or other family members, yet you want to be able to access them quickly in case of an emergency.

Whatever your reasons, there are some important things you should know to be sure you will buy the best home safe for you, your family, and for your valuables.

I will explain to you what makes a good home safe. I will also tell you why some safes cost more than others. You will know if you should bolt your safe to the floor, or let it rest without any anchoring. I will tell you the best locks to use that control the doors of the safe.

I will also tell you the safe manufacturer that I believe to be the best, and why I recommend them.  I will also let you know where you can buy one or more of these safes online, should you decide to do so.

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What Makes the Best at Home Safes

Best at home safes
Burglary and fire protection UL listed BF1512 Click on picture for more information.

To know what makes the best at home safes, you must first know how safes are manufactured, and rated. Some safes have primarily fire protection.

Some safes have fire protection, and impact protection. Some safes have only burglary protection. Some safes offer both fire protection, and burglary protection.

At the lower end of the protection scale are fire safes, more specifically imported fire safes. Imported fire safes can be fine for protecting documents, books, and other flammable(non cash) paper items. These imported fire safes though for the most part offer little burglary protection.

As a result, it is not recommended that you store significant amounts of cash or other valuable in them.  These safes undergo little if any testing, so it is not a good idea to store anything of significant value, even paper items in them.

Domestically manufactured fire safes will, generally speaking provide you more fire protection than an equivalent sized import, and even give you some burglary protection as well.

Many of these safes do undergo testing to ensure that the safe will perform as advertised under fire, and resulting high heat conditions. These safes are often rated by the duration of fire protection that they provide from a half hour to two hours and beyond.

Burglary safes that offer different levels of burglary protection are designed for protecting valuables from break ins of the safe. They are made of steel of various thickness.

These safes can have additional steel plates protecting the locks and relocks, and include saw tooth baffles to protect depositories from ‘fishing’ should the safe include a rotary hopper, or a front load mail box type depository. (Depository safes are normally used in commercial applications, and not for home safes)

These burglary safes however, do not offer fire protection, so the protection they offer is limited.

The best at home safes will offer both extensive fire protection, as well as solid, sturdy burglary protection.

What Determines Safe Prices?

Best at home safes
Burglary and fire protection UL listed BF1716 Click on picture for more information.

If you have shopped for safes at all, you probably noticed that there can be a wide range of prices from one safe to the next. The reasons for the wide variance again has to do with the quality and effectiveness of the safe and the locking mechanism.

Imported safes and locks tend to be less expensive than domestic safes and locks. The quality of the steel that is used in safe construction is better with the domestics than with the imports, in most cases.

A cheap safe will not be rated, either for burglary protection, or for fire protection. I advise you to steer clear from these safes, unless what you need to protect is not very valuable, or if you are trying to safeguard from young children.

Safe Ratings

Better, higher quality safes are rated. There are burglary ratings, and there are fire ratings. Some safes have one rating or the other, and other safes have both burglary and fire ratings.

Burglary Ratings 

B Rate  B rated safes will commonly have a 1/2 inch steel door, and a 1/4 inch steel body.  Some B rated safes will have 3/16 inch steel bodies. The B rate is the most common rate that you will see on burglary safes.

It is highly recommended that B rate be bolted/anchored to the floor.  The B rate is the least expensive of the rated burglary safes.

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C Rate  C rate safes consist of 1 inch thick steel doors, and 1/2 inch thick steel bodies. C rates provide more burglary protection, and as a result are more expensive than B rate safes.  Although heavier than B rates, it is recommended that  the C rates are bolted/anchored to the floor.

TL 15  The TL 15 burglary rating is superior to both the B rate, and the C rate.  The door of the TL 15 is minimum 1 1/2 inch thick solid steel.  The body of the TL 15 is at least 1 inch thick solid steel.

These heavy safes are difficult to move, but it is still a good idea to bolt them to the floor for maximum security.  This safe also has fire protection. TL 15’s are also more expensive than both the B rate safe, and the C rate safe.

TL 30  The TL 30 burglary rating is superior to all of the ratings previously mentioned. The steel thickness is at least that of the TL 15 for both the doors and the body, and it is often as much as twice as thick as the TL 15.

The TL 30 is also heavier than the TL 30 which makes it very difficult to move. The TL 30 also provides excellent fire protection in addition to it’s premium burglary protection.

The Burglary safe models TL 30 X 6, and TR TL 30 X 6 are superior still to the safes previously mentioned but are seldom used in home safe applications. These designations are most often used commercially for grocery stores, and jewelry stores.

Best at home safes
Burglary and fire protection UL listed BF2116 Click on picture for more information

Fire Ratings
A fire safe worth it’s salt will have a UL listing. UL stands for Underwriters Laboratory.

Or, in the case of a gun safe, look for an ETL fire rating.  The UL fire ratings are 1 hour, and 2 hour.

The UL Class 350 1-hour fire rating means that the inner temperature of the safe will not go above 350° for a minimum of one hour when subjected to external temperatures of 1700°.

The UL Class 350 2-hour fire rating means that the inner temperature of the safe will not go above 350° for a minimum of two hours when subjected to external temperatures of 1850°.

Obviously the 2 hour fire designation is preferable to the 1 hour designation, and safe prices will reflect this.

Safe Locks Another important consideration are safe locks. The three most common safe locks used in the home safe application are conventional combination dial locks, electronic key pad locks, and biometric lock.

Combination Dial Locks  These locks have been around and in use for almost as long as safes have been around. These locks are considered dependable, but are being phased out due to their limited capabilities, and time consuming operation.  No power source is needed for these locks.

Electronic Key Pad Locks  These locks utilize a key pad, and push button operation. They are faster, and easier to use, and provide more options than the conventional combination locks. The power source is either a battery, or A/C operation. These locks are more expensive in most cases than the combination dial.

Biometric Locks  These technologically advanced locks utilize fingerprint identification to open the safe. Access is accomplished very quickly and is superior to both the electronic locks, and the combination locks from a security standpoint. These locks are particularly useful with gun safes when quick access is paramount. The power source is normally battery operated or A/C operation.

Best at home safes
Gun safe with Certified burglary and fire protection. BF6030 Click on picture for more information.

Gun Safes and Gun Cabinets

If you own guns it is wise to protect them from the elements, to keep your guns safely away from the curious hands of children, and to be able to access them quickly in the event of a crisis situation.

There are gun safes and gun cabinets designed for the storage and protection of long guns or rifles. There are also safes made specifically for handguns, pistols, and sidearms.

Gun cabinets are designed for basic storage and protection with key locks or combination dial locks on the doors, while gun safes generally will provide you with a greater degree of protection from burglary, and from fire.

Gun safes also offer custom interiors, and the ability to keep your guns clean, dry, and in good working order.  The doors on most gun safes are controlled by quick access electronic locks, mechanical push button locks, or biometric locks.

Based on these differences, gun cabinets are normally less expensive than gun safes.

 All safes should be anchored to the floor unless they weight at least 1200 lbs.

Best At Home Safe Manufacturer

The best at home safe manufacturer that makes the best at home safe is American Security Products in California. Amsec as it is affectionately known has been in business for many years, and has a 100,000 square foot facility where they design and build safes of the highest quality.

Amsec has a complete line of safes. They provide burglary safes, fire safes, burglary and fire safes, gun safes, handgun safes, cash management safes, and can design and build a safe to your exact specifications.

Everything about Amsec is first quality: the steel, the components, the boltwork, the electronics, and the craftsmanship.

Best at Home Safes

Best at home safes
Certified burglary and fire protection Gun Safe BF7240 Click on picture for more information

The best at home safes are the Amsec BF series safes. These safes combine a good degree of burglary protection, as well as excellent fire protection to provide you with high quality, complete security at a reasonable price.

These BF safes also afford you a nice variety of locks to choose from to control entry of your safe, such as combination locks, electronic key pad locks, and biometric locks. The BF series safes are also available in attractive, secure, and functional gun safes. Amsec not only has the best at home safes, but the best commercial safes as well.

What are your favorite best at home safes? Please feel free to leave your comments, and questions below. Please also feel free to like and share this article on your favorite social media site. Thank you for reading Best at Home Safes, Tom

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Tips to Sell House Quickly

As a former Realtor, I know why houses sell quickly, and why they don’t.  I will provide you my best tips to sell house quickly. There are certain reasons why some houses sell quickly, and why others don’t sell quickly.

I will explain to you the steps you should take, and what you should avoid doing.
I will also let you know how to realize as much money as possible from your quick house sale.

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The Number One Reason Why Houses Don’t Sell

Tips to sell house quickly
The number one reason a house won’t sell is that it is priced too high.

The number one reason why houses don’t sell is, the asking price is too high, and the seller won’t drop the price enough to make it appealing.

This may seem obvious, but many sellers have a set idea of how much their home is worth, and they won’t let the market dictate the correct selling price.

The reason for this is two-fold. Sellers have a very strong emotional attachment to their home, and the idea of parting with it for anything less than their pre-conceived idea of what it’s worth is unacceptable to them.

The other reason is plain old greed. Some folks want to get rich off the sale of their home, and they believe someone will come along that will blindly offer them their unreasonable asking price.

Sometimes the real estate market may not be as healthy as when they bought the home, and their expectations are unrealistic.

Many Realtors are afraid that if they tell their potential sellers that their idea of price is too high, it will upset them, and they will risk losing the listing.

So they go along with the seller and list the home for over market value, only to have to struggle with them later to lower the price, so it will have a chance of selling.

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The Number One Reason Why Houses Sell

Tips to sell house quickly
The number one reason a house sells is that it is priced fairly or below market value.

The number one reason why houses sell is simply that they are priced fairly or priced under market value.

Again, this may seem obvious, but it is not always obvious to sellers that have other ideas.

Buyers almost across the board want to feel like they are ‘getting a deal’.  Just like sellers want to sell their homes for the most money possible, buyers want to buy their home for the least money possible.

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Tips to Sell House Quickly

Follow these tips to sell house quickly.

1. Hire a good Real Estate Agent.   Don’t skip this step and attempt to sell your house yourself. If you do attempt a FSBO, or for sale by owner, you will miss out on at least 90% of the market.

A good seller’s agent will put your home on the MLS, multiple listing service, which is where all real estate agents go to find homes for their buyers.

In addition, the seller’s agent will tell all of the agents in his or her office, and will put the word out to their entire network of real estate related business people, and friends.

They will also advertise your home for you, have open houses, and place signs in your yard, and neighborhood.

You will have to pay the commissions but in most cases, you will realize a higher selling price, sell your home more quickly, have less liability, maximize your time, and have all legal paperwork taken care of properly for you.

2. Do Cosmetic Repairs  You won’t necessarily have to do a lot to prepare your home for sale. But in order for you to sell your home fast, and for the most money, there are a few things that you really should do.

The good news is, these things don’t cost much money, or take a lot of time, but they will go a long way to improve your chances of selling quickly.

Make minor repairs. Fix what needs to be fixed. The idea is to make your home livable. Take care of things to make your house safe, and sanitary. If a step is loose, secure it.

If a room is in obvious need of paint, paint it. If the siding needs to be power washed, power wash it.  Clean your home thoroughly. Declutter tables, counter tops, walls, and other surfaces.

Curb appeal is important. The first impression a buyer has is the outside of the house as they drive or walk up. Spruce up the yard, and the front of the house. Keep the lawn cut, the bushes trimmed, the leaves raked,

Tips to sell house quickly
If your home needs updating, start with the kitchen. Kitchens sell houses.

3. Do updates if needed  If your home is badly in need of updates, or upgrades, and if you can afford it, and have the time, I suggest you start with upgrading the kitchen. You may have heard the saying, kitchens sell houses. This is absolutely true!

If your kitchen needs to be updated, it will be money well spent to update it. Whatever you put into upgrading your kitchen, you should easily be able to get back out again when you sell, and possibly more. A nice kitchen will also help you sell your home faster.

After the kitchen, you should upgrade the master bathroom, or main bathroom if there is no master, and then the lower level or basement to be finished, or partially finished.

4. Price your home slightly under market value.  Your real estate agent will perform a recent sales comp for you, based on what comparable homes in your area have sold for, and come up with a price that you can expect your home to sell for.

There are other factors to consider when finding a selling price such as time of year, the spring is better than the winter, the state of the real estate market, and if your home has additional negatives to consider that other comparable homes don’t, such as a large hill to drive up that could present problems during the winter months.

5. Tell everyone you know that your house is for sale.  Don’t rely entirely solely on the efforts of your Realtor. Chances are you have a large network of relatives, friends, and acquaintances. Tell everyone you know that you are selling your house. Call your family and friends.

Tell your coworkers. Use social media like Facebook, and Linkedin. These tips to sell house quickly are all free methods to get the word out. Even if the people you contact aren’t looking to buy a house, they may know of someone who is, and your house may be just what they are looking for.

6. Don’t put limits on your Listing Agent  Make sure that you allow your house to be shown whenever a potential buyer wants to see it. If your agent wants to do an open house on Sunday, let them. And don’t insist on being there when your house is being shown.

Would be buyers and their agents can’t relax when the owner is home during showings. Be prepared to leave your house for a few hours on short notice to allow for an unimpeded viewing. This can make a difference between receiving an offer, and not.

You Can Sell Your House Quickly

Tips to sell house quickly
You can sell your house quickly if you follow a few simple steps.

The number one reason a house won’t sell is that it is priced too high. Sellers get emotionally attached to their homes. They also let greed, and unrealistic expectations of what the home is worth stop them from receiving a fair offer.

The number one reason a home will sell is that they are priced fairly or under market value. Buyers want a good deal as much as they want a nice home.

Tips to sell house quickly are:

1. Hire a good real estate agent.

2. Do cosmetic repairs.

3. Do updates if needed.

4. Price your home slightly under market value.

5. Tell everyone you know that your house is for sale.

6. Don’t put limits on your Listing Agent.

If you follow these tips, you should have little trouble selling your house quickly.

Do you have tips to sell house quickly? Feel free to leave your comments, questions, or tips below.

I will respond to you right away. Feel free to like and share on your favorite social media. Thanks for reading. Tom

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How to Pay Off a Mortgage Early

How to pay off your mortgage early
Want to know how to pay off a mortgage early? There are at least several ways to do it.

Want to know how to pay off a mortgage early? You are smart to learn how to do so, as your mortgage is likely the biggest financial burden you will ever have.

There are legitimate, legal ways to pay off your mortgage early that almost anyone can accomplish. In the process, you will learn how to save yourself time, and money.

I will explain to you what a mortgage is, how lenders make their profits from your mortgage, and some techniques to pay off a mortgage early.

You can benefit from this information if you currently have a mortgage or if you are shopping for a mortgage. (Scroll down for how to pay off a mortgage early)

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What is a Mortgage?

How to pay off a mortgage early
A mortgage is a loan from a lender to provide financing for a home purchase.

A mortgage is a loan from a lending institution, or a bank to provide financing for the purchase of a home, or other property type.

The mortgage allows the lending institution or the bank to use your home as collateral for the loan.

This means if you don’t pay back the loan according to the terms set forth on the mortgage, also known as defaulting, the bank or lending institution can foreclose on the home, and take ownership.

There are several types of mortgages.

The most common mortgage is the fixed rate mortgage. A fixed rate mortgage means that the interest rate is fixed or stays the same throughout the entire length or term of the mortgage.

The interest rate is the agreed upon percentage that the bank or lending institution charges for the priviledge of borrowing their money.

Other available mortgages are the ARM or adjustable rate mortgage. An ARM has a changing or floating rate of interest depending on various economic factors.

The ARM is considered more risky than a fixed rate mortgage due to the fact that the interest rate can rise causing higher monthly mortgage payments.

Two-step mortgages will have the initial period of time at a certain fixed rate percentage, and the second period of time at a different fixed rate percentage.

Combination mortgages or combo mortgages combine a certain period of time at a fixed rate percentage, and an additional period of time with an adjustable rate.  The percentage rates, and time periods can vary depending on the lender.

Balloon mortgages normally have a fixed interest rate for a particular period of time, usually with lower monthly payments, and a loan balance, and with a considerable amount or balloon amount due at the termination of a preset loan period.

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 How Lenders or Mortgage Institutions Profit from your Mortgage

How to pay off a mortgage early
Lenders and mortgage institutions profit from your mortgage in different ways.


Banks and mortgage lenders profit from your mortgage in different ways, and perhaps more than you realize. Profits are realized by mortgage lenders by the many fees they charge.

These  fees are called origination fees, which is what is charged for the processing of the loan.

The origination fee normally is figured at about 1% of the amount of the loan. These processing fees may cover notary fees, document prep work,  and the lender’s attorney costs.

Underwriting fees are charged for the analyzation of the mortgage application, which determines the riskiness of approving the loan.

There are other fees such as escrow fees that are normally charged at closing. There are also appraisal fees that are charged by the lender.

PMI or Private Mortgage Insurance is another fee or charge you will incur if you are putting less than 20% down on your home purchase.

This is insurance provided by a private insurer that protects the bank, should you default on your loan, yet you the borrower have to pay for it.

Pretty sweet deal for the lender to have you buy insurance to protect them from loss. You can also purchase additional insurance called an owner’s policy to protect yourself against default.

Lenders also make money from your mortgage based on the difference in the interest rate you agree to pay, and the amount of interest they were charged when they secured the loan.

So, if the lender charges you 5% interest rate, and they paid 4%, they would profit  the1% difference.

In addition, lenders often package, or bundle their mortgage loans and sell them to other lenders, and investors in the secondary market. The lender’s normally make an extra 1%-3% by selling these bundled loans.

Keep in mind that for the first time period of your loan, you are paying back mostly interest, and very little principal when you make your monthly mortgage payment.

In other words, because you are not paying down much principle in the first 10-15 years of your loan, assuming you are in a 30 year fixed rate loan, you will not have a lot of equity built up until the later part of the loan term, unless of course you had a large down payment.

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How to Pay Off a Mortgage Early Techniques

How to pay off a mortgage early
The early bird does get the worm when paying off a mortgage.

1. Shorter Loan Term Mortgage

The easiest, and cleanest way to pay off your mortgage early is instead of taking out a 30 year fixed rate mortgage or longer duration mortgage, take out a 15 year mortgage or 20 year mortgage.

Chances are, if you qualify for a 30 year mortgage, you can also qualify for a shorter term mortgage such as the 15 year or 20 year.

In many cases, the monthly mortgage payment does not go up commensurate to the drop in loan duration, in effect giving you a discount on the monthly payback amount. You may be surprised at the affordability of utilizing a shorter term loan.

So, if you can qualify for a shorter term loan, and you can afford the higher monthly mortgage payment without strapping yourself in, this may be the way for you to go.

If you already have a mortgage you may want to consider refinancing your loan at a lower interest rate for a shorter time duration or term.

You have to be careful with the refinance though as you may be charged additional fees, and you may be forced to roll back to paying off more interest than principle with your new mortgage payments.

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2. Bi-Weekly 

The bi-weekly is a payment structure where instead of making a mortgage payment once a month you are making a half mortgage payment every 2 weeks.

This allows you to make an extra full mortgage payment per year as there are roughly 4.3 weeks in an average month. The extra payment goes toward the principle of the loan.

Thousands of dollars can be saved by implementing a bi-weekly payment structure, and you can pay off your mortgage close to 8 years early on a 30 year fixed rate loan with this technique.

As a result of this simple method, you are reducing the amount of interest charged over the span of the loan.

In order for this technique to work correctly, the lender must credit the payment to the loan’s principle right away instead of waiting until the end of the month to do so, or until two payments are received in order to do so, or until the end of the year to do so.

There will be fees charged. Be sure that these fees are reasonable and you understand how they are charged.  Always ask questions, and read the fine print before signing on the dotted line.

How to pay off a mortgage early.
Making an extra principal payment is an excellent way to pay off your mortgage early.

3. Make an Extra Principal Payment

You can make an extra payment every month over and above your regular monthly mortgage payment that will be put toward paying down your principal. This amount can vary and be for pretty much any amount you would like to add.

Doing so can cut years off the term of your loan, and save you many thousands of dollars of interest. Obviously, the more often, and the larger the amount of the extra principal payment, the sooner your loan will be paid off, and the more money you will save on interest.

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4. Home Equity Line of Credit or HELOC

Based on the amount of equity you have in your home, equity is determined by the amount of appraised value of your home minus the amount that is still owed on the mortgage, you can utilize a home equity line of credit.

The idea is, you can use the amount of the home equity line of credit to pay down the principal of your mortgage.
Normally the interest rate you will pay on the HELOC is slightly more than what your mortgage interest rate is.

By paying back the HELOC amount in a year, you can then use the same strategy again, and continue to do so every year until the mortgage loan is fully paid off.  It is possible to pay off your mortgage loan in under 6 years using this strategy.

By doing so, you can drastically shorten the number of years that you will have to pay on your mortgage, and not only save many mortgage payments, but also save many thousands of dollars in interest.

There are some risks using this strategy as the HELOC is a variable interest rate ‘loan’, so the rate can rise. Also, some HELOCs may have a balloon component, which can force the entire amount of the loan to be paid back in full instead of over time.

Best to check with a financial advisor, and do your research and due diligence before employing any of these strategies.

Know how to pay off a mortgage early

A mortgage is a loan from a lender to provide financing for a home purchase.  Types of mortgages are fixed-rate, adjustable rate, , two step, combination, and balloon.

Lenders or mortgage companies profit from your loan from fees, points, interest, and bundling your loan with others and selling them.

How to pay off a mortgage early techniques are, a shorter term mortgage(less than a typical 30 year note), bi-weekly, making an extra principle payment, and the HELOC, or home equity line of credit strategy.

What is your favorite how to pay off a mortgage early strategy? Do you have another early payoff strategy that you like or use? If so, I would like to learn about it.

Feel free to leave a comment, or question below. Also, feel free to like and share on your favorite social media.

Thank you for reading, How to Pay Off a Mortgage Early.  Tom

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Foreclosure Homes Sale

Foreclosure Homes Sale

If you are thinking of buying a foreclosed home, you are to be commended. Foreclosure homes sale offer bargains that privately owned homes seldom do.

And, it is a myth that foreclosure homes sale is more complicated, and difficult to buy than a regular home purchase. It is also a myth that only certain people can buy foreclosures.

Almost anyone can buy a foreclosure homes sale if you follow the rules, and of course, if you can qualify financially, either by obtaining a home loan, or if you have enough cash.

In fact, in many instances, a foreclosure homes sale is less complicated, and less time consuming than buying any other type of home.

You may from time to time come across a foreclosure that is difficult to buy, but more times than not, you will find the process of buying a foreclosure uncomplicated, and straight forward.

I will explain to you why you should buy a foreclosure, the different types of foreclosures, where to find foreclosures, and the best foreclosures to buy.

Why You Should Buy a Foreclosure

Foreclosure homes sale
Buying a foreclosure has many advantages.

One of the biggest advantages to a foreclosure homes sale compared with buying a privately owned home is lack of emotion. If you have ever purchased a home from mom and pop home seller, you know that there is usually emotion involved.

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These sellers have invested years of their lives, and often their children’s lives in their home, and have developed a strong emotional connection with their home.

As a result, these folks often have an unrealistic idea of what their home is worth, and what it should sell for.  They can be inflexible in negotiations, and unwilling to make concessions for would be buyers.

If you think back to the homes that you have lived in both as a child, and as an adult, you will likely have many memories that will tug at your heart strings, and bring about an emotional reaction, either good, bad, or both.

Another advantage a foreclosure homes sale over a privately owned home is less competition. This is not always the case, but more times than not you will encounter less competition, and a smoother road to having your offer accepted with a foreclosure. This is assuming of course that your offer is at least somewhat reasonable.

Another reason you should buy a foreclosure is you have a much better chance of finding a bargain than with a privately owned home. You have to do your due diligence of course, but many foreclosures are purchased every day at well under market value.

And don’t feel bad about buying a foreclosure.  Some people have told me that they feel a little sad that they are buying a home that someone lost due to foreclosure.  I do empathize with the foreclosed homeowner, but look at all of the good you are doing.

By buying a foreclosure you are helping many people involved in the process. You are helping a neighborhood, the tax base and the local schools, real estate agents, utility companies, banks or lenders, title companies, inspectors, and the list goes on.

And at the same time you are likely starting out with some equity that can help you financially now, and down the road.

Types of Foreclosures

Foreclosure homes sale
Government foreclosures are one of two main types of foreclosures.

There are 2 basic types of foreclosures. Government foreclosures, and bank foreclosures, or bank owned foreclosures, also know as REO’s or real estate owned.

Government foreclosure types are: HUD, or Housing and Urban Development, FNMA, or Federal National Mortgage Association, also know as Fannie Mae.  FHLMC, or Federal Home Loan Mortgage Corporation, VA or Veterans Administration, or Department of Veterans Affairs, USDA, United States Department of Agriculture, FDIC, Federal Deposit Insurance Corporation, Department of the Treasury/IRS, Internal Revenue Service, and GNMA, or Government National Mortgage Association, also know as Ginnie Mae.

Bank foreclosures are also know as bank owned foreclosures, and REO’s or Real estate owned foreclosures.

Other types of foreclosures include Pre Foreclosures, which are technically not foreclosures because the foreclosure process has either not been started or will start soon with these properties.

Courthouse step foreclosures, which are technically bank foreclosures that are offered on the courthouse steps initially to cash buyers.

Short sales are often thought of as foreclosures, but they utilize a unique set of circumstances and processes distinctly different than those of foreclosures.

The buying processes for these foreclosures are all different, and can be somewhat daunting and risky for the uninformed, and inexperienced.  I highly recommend a good buyer’s agent that is educated and experienced with foreclosures.

Remember, the real estate agent commissions are paid by the seller, so hiring a good buyer’s agent is free to you. Why not take advantage of it?

Where to Find Foreclosures

Foreclosure homes sale
Foreclosures can be found on the MLS, and on various real estate websites.

The best place to find foreclosures is on the MLS, or multiple listing service.

In order to have access to this information, you need to find a real estate agent, or a real estate broker.

Although all agents and brokers have access to this information, it is ideal to find an agent or broker who specializes in these properties.

You can still get the foreclosure lists from any agent or broker, but in order to effect the purchase, if your agent or broker doesn’t understand the ins and outs of the various foreclosure processes, your deal may not happen.

In addition to the MLS, Government foreclosures have specific websites where their foreclosures can be found such as:
Fannie Mae –
Freddie Mac –
VA – or
USDA – or
Treasury/IRS –
Ginnie Mae –

Bank foreclosures, in addition to on the MLS, can often be found on the particular bank’s website, or the bank will sometimes provide contact information as to the real estate agent or agents that handle foreclosure listings for them.

Courthouse steps foreclosures are normally listed in the newspaper and/or on certain websites such as the county website, or the bank website.

Foreclosures can also be found on various other real estate websites including Realtor, Trulia, Zillow, listsource, and others. These sites however, are seldom up to date, and their focus is primarily on privately owned homes, and less on foreclosures. is another source of foreclosure listings.

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Best Foreclosures

Foreclosure homes sale
HUD foreclosures are the best foreclosures.

It is very possible to find a great bargain with any type of foreclosure.

However, my favorite foreclosures are HUD foreclosures. HUD stands for Housing and Urban Development, also known as the United States Department of Housing and Urban Development.

Contrary to what some believe, buying HUD foreclosures is normally a relatively easy process. HUD lists the foreclosures that come about when mortgage holders of FHA loans default.

These foreclosures are available throughout the United States. HUD lists their available foreclosed homes on their website,

Anyone can buy a HUD foreclosure. You only have to qualify for a loan as you would for any other property, or show that you have sufficient cash to cover the costs. HUD does an appraisal, and an inspection on all of their foreclosures before they list them for sale.

This is a huge benefit, as the inspection gives you at least a general idea of the condition of the home’s main systems such as plumbing, HVAC, electrical, roof, etc.

This also makes you aware of any other significant issues with the property. Knowing this information can help you decide if you want to pursue the HUD home or not before taking the time and trouble to see it in person.

It is also possible to buy HUD foreclosures for little, if any closing costs. HUD also runs specials from time to time where it is possible to buy for a foreclosure for only $100 down. During this $100 down special, it is possible to buy a HUD home for very little out of pocket money.

HUD also has the best selection of available foreclosures. In addition, HUD discounts it’s properties if a minimum bid hasn’t been reached within a certain amount of time. This time period is normally between 30-60 days.

I have personally seen many HUD foreclosures homes sold for well under market value.

Foreclosures Rock

Foreclosure homes sale
Foreclosures rock!

Foreclosures offer deals that privately owned homes seldom do.  Anyone can buy a foreclosed home as long as you can qualify financially by becoming preapproved for a loan, or showing that you have enough ready cash to cover the costs.

Foreclosures are often easier to purchase than a privately owned home.  With a foreclosure you are not dealing with an emotional owner, and since there are set rules and time frames involved it is normally less complicated, and closes as fast or faster than with a privately owned home.

No reason to feel badly about buying a foreclosure. Although it is unfortunate that the previous home owner lost their home due to foreclosure, your buying the foreclosure not only benefits you, but many other people involved in the process. It also benefits the neighborhood schools, and the economy.

The many types of foreclosures include government foreclosures, bank owned foreclosures or REO’s, courthouse steps foreclosures, and pre foreclosures. Short sales although sometimes considered foreclosures. are dictated by a different set of circumstances and rules.

Foreclosure homes sale can be found on the MLS, or multiple listing service, and online on various real estate websites.

The best available foreclosures in my humble opinion are HUD foreclosures. HUD’s offer the best selection, the best information on each property, the best programs and specials, the best discounts, and the easiest processes for purchase.

So do some online research, get preapproved for a home loan, find a good buyer’s real estate agent that specializes in foreclosures, and see what foreclosure bargains are available in your area.

Feel free to leave your foreclosure homes sale comments, questions, or tips below.  Feel free to like and share on your favorite social media. Thanks for reading. Tom

Best Countries Retire Americans

Best countries retire Americans
Where do you see yourself during your retirement years?

Best Countries Retire Americans


If you are nearing retirement age, plan to retire early, or if you just like to think ahead, you may want to consider the best countries retire Americans.

There are many appealing countries to live in, and some countries you may want to avoid altogether.

Everyone has different ideas about what would make a perfect retirement destination, but there is some criteria that most of us would agree is important.

This list of top countries to retire to is based on various criteria. These are cost of living, favorable climate, quality and access of health care, access to a major airport or airports, and infrastructure.

In addition they feature low crime rate/safety, expat population, availability of technology such as internet access, cell phone coverage, proximity to shopping, restaurants, entertainment, stable economy, stable political situation, and ability to find work or start a business if necessary.

Proximity is another important consideration. I live in the U.S. so as a result, I give more points to destinations that are reasonably close to the States.

You may know how difficult, expensive, and time consuming it can be to find a convenient flight home from half way around the world, especially on short notice.

Something else to keep in mind with my list of best countries retire Americans is that within these countries are cities/areas that don’t fit the criteria I have put forth.

For instance, some cities, and areas have a higher cost of living, higher crime rates, etc., yet when the country is taken as a whole it still ranks as an appealing place to live/retire in.

Of course, you should do your due diligence once you have narrowed down your choices of where you might like to retire. I highly recommend that you schedule a visit so that you can see first hand how your location measures up.

Find and talk to expats that live in the area, and inquire with the locals regarding things that are important to you.

Since English is now spoken in most parts of the world, it is no longer a major concern if a different language is spoken in a foreign country.

Of course, it may be a good idea to learn the native language of your new country to make your transistion that much easier, and to help you bond with the native folks.

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Best countries retire Americans
Ecuador features a mild climate, lush jungles, and sun splashed beaches.

Ecuador is relatively small country in south America. It is in the northwest part of the continent.

It borders Colombia to the north, and Peru to the east, and south.

Quito is the capital. It has recently become a somewhat popular retirement destination for Americans, and Canadians.

The Ecuadorian city with the most expats is Cuenca.  The largest city by population in Ecuador is Guayaquil. Ecuador is one of the best countries retire Americans.

Another appealing retirement city in Ecuador is Vilcabamba. This city has somewhat warmer temperatures than both Quito, and Cuenca.

Ecuador features the Galapagos Islands, sun splashed beaches, snow peaked volcanos, and the Amazon Jungle. The climate is spring like for most of the year.

The cost of living is affordable compared to the U.S.  Expect to pay 30%-35% less for housing, either to rent or to buy than comparable U.S. offerings. Their healthcare system is high quality, and low cost.

The food is healthy and low cost with plenty of fresh fruits and vegetables, seafood, and other local dishes. There are many outdoor activities to enjoy thanks to the mild climate.

The larger cities offer cultural events, sporting events, and theatre. The pace of life is slower, and the people are friendly.  There is also a good, cheap public transportation system.

There are no taxes charged on your income if it comes in to you from another country. You will only be charged an income tax in Ecuador if you work in the country.

It is also easy and reasonable to apply for, and become an Ecuadorian resident.


Best countries retire Americans.
Belize is known for it’s diving, and other water sports.

Belize is a small country in Central America. It borders the Yucatan Peninsula of Mexico to the north, and Guatemala to the west and south.

To the east is the Caribbean Sea. Formerly British Honduras.

The largest city in Belize is Belize City. The capitol Belmopan is the third largest city. Belize is one of the best countries retire Americans.

Belize has a rich diversity of cultures that make up the country. The official language is English, but many other languages are spoken throughout the country.

With it’s lush jungles, sun soaked beaches, many islands and cays, the great Blue Hole, and fabulous reef system, it’s not hard to see why Belize is one of the most beloved destinations in the Caribbean.

There is also lazy running rivers, fertile farmland, rolling hills, and tropical rain forests. There are hundreds of small islands all along the coast.

With it’s Mayan ruins, and 150 mile long barrier reef, the second largest in the world, Belize offers many unique attractions. It offers some of the best diving in the world, and is know for it’s water sports offerings, sailing, fishing, wind surfing, as well as world class diving.

Just like the people of Belize, the food/cuisine is a mixture. It stems from European, North America, and Caribbean menus.

There are many fine restaurants in the mainland, and on the cays and islands. The local produce is very inexpensive.

Belize’s tourism industry is very successful. Belize is a relatively safe country, based on interviews with expats. These diverse cultures include Germans, Chinese, Lebanese, Mayan, Mestozo, American, and Spanish cultures.

The cost of living is less than many other countries. There are some real estate bargains to be found. The northern beaches offer low prices for beachfront property, as well as other items.

Buying property in Belize is less risk than many other countries primarily due to the fact that it is an English speaking country.

All the paperwork is in English, and the process to buy property is very similar to that of the United States.

Healthcare is inexpensive, and all legal residents are entitled to receive free services from the state healthcare facilities. There are long waiting lines for the public services however.

Private care is available but for a higher cost, of course depending on your insurance company.

Checking out Belize to see if you would like to live there is relatively easy. A visa is not required for up to a month.

Extensions are available for only $25.  This can be done for up to 6 months. It is also easy and inexpensive to become a resident.

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Best countries retire Americans.
Columbia features historic ancient cultures such as these Mayan ruins.

Despite it’s former reputation as a hotbed for drug smuggling, and drug dealers, and crime rates, Columbia has recently become a popular retirement destination.

A strong U.S. dollar, outdoor excursions, and cultural activities, a surprisingly safe environment all make for an appealing retirement life.

If you enjoy nature, Columbia boasts over 50 national parks. It’s temperate climate close to the equator is ideal for outdoor activities all year round. Each day has 12 hours of daylight and 12 hours of darkness.

It has high quality, low cost healthcare and dental care with state of the art equipment, and facilities. With trained doctors, and modern hospitals it resembles the best of the U.S. and Canada.

Columbia boasts many colonial cities and towns on the Caribbean with beautiful beaches such as in Cartageena. The Andes mountain range is in the western part of the country.

Bogota is the capital city, but the most popular retirement city is Medellin. Columbia is one of the best countries retire Americans.

The infrastructure includes good roads, safe public transportation, and up to date internet service technology and equipment.

The cost of living in Columbia is surprising low and affordable. There are many discounts for seniors on most products and services.

With low rent, affordable food costs, and very low utilities due to the climate where heat or air conditioning is not needed in most parts of the country. You can live quite well for $1000 – $1500 per month including rent.

There are no restrictions on foreign buyers for real estate, regardless if you are a resident or not. Buying real estate is roughly one third of what you would pay for comparable property in the United States.

The Columbia retirement visa is affordable, and easy to get. You also have to show proof of financial stability by showing an income of approximately $700 per month or more. All financial information needed can be sent via the internet.


Planning for Retirement is a Journey, not just a Destination

Best countries retire Americans
Planning for retirement is a journey that should be started as soon as possible.

No matter your age, planning for retirement is just a smart thing to do.

The sooner you begin to plan financially, the better your retirement years can be.

There are many great retirement destinations, and havens, and it is fun to look at and evaluate countries that would make for a great retirement home.

Ecuador, Belize, and Columbia are 3 very tempting countries to retire in due to their many outstanding qualities. All 3 feature a low cost of living, comfortable climate, beaches, friendly natives, scenic landscapes, outdoor activities, cultural activities and events, and an expat population.

They also all have affordable and extensive food and restaurants, affordable and uncomplicated residency requirements, high quality and affordable health care, up to date technology, good infrastructure, international airports, and reasonable proximity to the United States.

So, do your research, plan a trip, talk to expats and other locals, travel within the country, experience the culture, sample the local fare, look at some property, make a pro/con list, and enjoy the process of picking your perfect retirement country.

Do you have a favorite retirement country or destination? I would enjoy knowing about other great places to retire. I still have a few years left before I am ready to retire so my mind is not completely made up.

Feel free to leave your comments, feedback, and questions below.

Also, feel free to like and share to your favorite social media.  Thanks for reading Best Countries Retire Americans, Tom

Note: AFFILIATE DISCLOSURE.  You may see links to various products or services in pages or posts on this website.  These links are affiliate links and I may receive a small commission if you purchase through them.  There is no additional cost to you.

Five Best Towns in US to Live


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HUD Gov Homes Sale

HUD gov homes sale
HUD foreclosures can be single family homes or duplexes, threeplexes, or fourplexes.

HUD Gov Homes Sale


HUD is the acronym for Housing and Urban Development, or U.S. Department of Housing and Urban Development to be exact. A HUD gov homes sale happens every day multiple times. One of the main functions for this government department is to provide HUD foreclosures to the public for resale.

A HUD home is a residential property that is 1 to 4 units. In other words, HUDs are single family homes, duplexes, three plexes, and four plexes.

Anyone can buy a HUD home if they can qualify for a loan, or if they have cash. And yes you can find some great deals with HUD homes.

I will tell you where HUD foreclosures come from, how HUD sells their foreclosures, what an FHA loan is, and why it is so popular, and how to buy HUD homes.

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Where do HUD foreclosures come from?

HUD gov homes sale
HUD foreclosures are created by defaulted FHA loans.

How does HUD come upon these foreclosures to be able to offer them for sale to the public?

The loan guaranteeing arm of HUD is the FHA, Federal Housing Administration.

The role of the FHA is to insure loans with FHA approved lenders or mortgage companies in order to make it easier for home buyers to afford the costs of purchasing real estate, as well as make it easier for lenders or mortgage companies to make loans.

When a mortgage holder defaults on an FHA mortgage, the lender or mortgage company can call in the insurance with the FHA and recoup their costs of writing the loan.

The FHA, in turn, takes ownership of the property, and turns it over to HUD to handle the marketing and selling of the foreclosed property.  HUD then offers the property to the public in order to recoup their costs from the foreclosure claim.

How does HUD sell their foreclosure properties?

HUD gov homes sale
HUD has an appraisal, and an inspection done on their foreclosures.

Once HUD takes possession of a home through an FHA foreclosure, it enlists the help of various entities.  HUD has an appraisal, and an inspection done on their homes.

The appraisal, and inspection results are made available to the public. HUD has a designated Field Service Manager to prepare, and maintain the property and house for sale.

HUD also uses a designated HUD approved Listing Broker hired by the Asset Manager to list the home, and help market it to the public for sale. HUD also has an Asset Manager as the contractor responsible for the sale of the property.

The Asset Manager handles the paperwork/contracts and facilitates the deal and moves it to the closing date.

Once the HUD property is ready to be put on the market, the listing is placed in the MLS, multiple listing service by the Listing Broker, and is also listed on the HUD Home Store website. At this point, the HUD gov homes sale is ready.

Why are FHA loans so popular?

HUD gov homes sale
It is easier to qualify for an FHA loan than a conventional loan.

FHA loans normally have less strict requirements in order to qualify than a typical or conventional loan from a bank or mortgage company.

For instance, most lenders want to see a credit score of 640 in order to consider a home buyer for a loan.

FHA, on the other hand, will consider you with a credit score of 580 or above.

Conventional loans usually require a minimum of 5%, and often times as much as 10% down payment toward the purchase of a home. FHA loans only need 3.5% of the purchase price of a home for the down payment.

It is also possible to have up to 3% of the purchase price of the home put toward closing costs with an FHA loan. This is money paid for you, and not by you.

As many people are short on cash when in the market for a home, these incentives help keep the out of pocket costs of home ownership low, and affordable for many people.

In addition, HUD also provides extra incentives like $100 down on selected properties from time to time. This makes buying a HUD home even easier and more affordable.

How to Buy HUD Homes

HUD Gov homes sale
Your first step in buying a HUD home is to become pre-approved for a home loan.

Buying HUD homes is a lot like buying any other homes, at least from a buyer’s perspective. And like buying any home, the first thing a serious buyer should do is:

1. Get preapproved for a home loan. You can do this through a bank, or a mortgage company. Be sure that your new lender offers FHA loans as FHA works best with HUD homes.

2. Find a HUD approved broker. Only HUD approved real estate brokers can sell HUD properties. This is normally not diffficult to find, as many real estate brokers are HUD approved.


3. Go to  This website lists the available HUD homes by city, state, number of bedrooms, number of bths, price, and other criteria.

You can find what HUD homes are available in the areas that you want to live easily on  Your HUD approved Broker/Realtor can also email you a list of HUD homes based on your specific criteria, if you prefer.

HUD Gov Homes Sale
HUD works on a sealed bid process.

The HUD Bid Process

Once you have found a HUD home you like, it’s time to place your bid for this property.

HUD works on a sealed bid process. This means that no one but HUD knows what you or anyone else has bid for a given HUD property.

When a HUD property is first listed HUD allows bids for 15 calendar days for owner/occupants only. This means you must live in the home and it must be your principal residence. The first 15 days are called the exclusive listing period.

For HUD Properties marketed as ‘insured’ or ‘insured with escrow,’ the exclusive listing time period is 15 calendar days.
For HUD Properties marketed as ‘uninsured,’ the exclusive listing time period is 5 calendar days.

All bids are treated as if they have been received at the same time. No preference is given to a bid that arrives sooner than another.

If an acceptable bid has not been received during the initial 10 calendar day period, new bids will be considered each business day thereafter until an acceptable bid has been received.

If an acceptable bid has not been received during the 15 day exclusive listing time period, HUD will then accept all bids, including those from investors. This is called the extended listing period.

To present a bid to HUD, you will need to provide your name, address, phone number, social security number, marital status, and the amount you want to bid for your chosen property. Your HUD approved broker/realtor will present your bid online for you.

If you submit the winning bid, HUD will need a pre approval letter, or a proof of funds if you are paying cash for the property, and an earnest money deposit of either $500 or $1000, depending on the price of the property, to be submitted along with signed HUD paperwork/contracts within 48 hours.

Once all of this is received, and approved by HUD, you can then begin the process of closing on your purchase.  If this process seems a bit daunting or confusing have no fear. Your HUD approved Broker/Realtor will guide through everything.

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Are HUDs Right For You?

HUD Gov Homes Sale
Anyone can buy a HUD property.

HUD stands for Housing and Urban Development, a government agency whose functions include providing foreclosures to the public.  Anyone can buy a HUD home, and yes, you can find some great deals with HUD foreclosures.

HUD gov homes sale is generated when FHA mortgage holders default on their loans, and the insured lender sells the property back to FHA/HUD.

HUD sells their properties with the assistance of Asset Managers, Listing Brokers, and Field Service Managers all designated by HUD.

FHA, the Federal Housing Administration works hand in hand with HUD. FHA loans are so popular because they have less stringent requirements to qualify, and additional benefits for home buyers.

To buy a HUD gov homes sale home you should first be preapproved for a home loan by a lender that is FHA approved, find a HUD approved Broker/Realtor, and go to the HUD website, to see what HUD homes are available in your area.

HUD works on a sealed bid process, and initially allows bids for owner/occupants only. Within 15 days if an acceptable bid has not been submitted, HUD opens the bidding to all bidders, including investors.

HUD Broker/Realtors are experts at navigating the HUD foreclosure bidding rules and regulations. They will guide you through the process, and make owning a HUD foreclosure property an enjoyable, and rewarding experience.

Feel free to leave your comments, questions, or tips below.  Feel free to like and share on your favorite social media. Thanks for reading HUD gov homes sale. Tom