Let suppose you own a $150,000 house, and you’ve got $110,000 left on the mortgage. If you sell it the regular way, you’ll wind up with $40,000 in cash. (You’ll get $150k from the buyer — part down payment, part mortgage from the buyer’s bank — of which $110k will go towards paying off your existing mortgage, and you’ll get the rest.) You could do a lot with that $40k: make a down payment on an even bigger house, travel the world, add it to your nest egg to retire, go to Vegas, etc.

But let’s say you owner-finance the sale instead, in which you get a down payment from the buyer, and let him/her make payments to you for 15-30 years. First off, you won’t be getting as much money up front — $15k on a 10% down payment, or $30k on a 20% down payment. Second, you’d have to pay off the existing mortgage before you could sell it! So you’d have to pay your bank $110k in cash, before you get the measley $30k down payment. Most people don’t have that kind of cash laying around.

But what if you own your house free and clear? That is, what if you’ve already paid off your 15- or 30-year mortgage so you didn’t have to worry about coughing up a lot of money to pay off the loan all at once? Then in that case, you don’t get your $150k all at once — you have to accept the small payments that trickle in month after month from the buyer.

Why on earth would you do this? Well, probably, you wouldn’t, unless you’re really desperate to sell for some reason, or you don’t understand what a rotten deal it is for you, or you’re unusually generous.

So you see, it’s usually not in the seller’s interest to finance the house for you, which is why you’ll rarely find houses that are owner-financed.

source: michaelbluejay dot com

You can contact: Hard Hitter Funding Company pays fast for owner-financed mortgages. Professional service/ Fast closing. Phone 252-522-4563.

If 5yrs before somebody have imagined a phone in which you can store data up to 8gb , People would have never believe but guess what today people not only believe but also experiencing the technology right in there hands.

Yes I am talking about N95 8GB another piece of technological work from mobile giant Nokia.

N95 8gb has got a large screen of 2.8inches with a great picture quality and have 5 mega pixel camera along with auto focus facility, zoom and flash But still Digital cameras are unbeaten. The advance version of Nokia N95 has come up with more battery life of Up to 6 hours. The handset has amazing Video quality leaving camcorders behind the wall.

The more interesting and the enhanced feature is its massive 8Gb memory which means double entertainment , double data capacity but the processing speed is still slow which is to be faster. This handset comes up with a 2-way slide mechanism. From one end a numeric keypad option is given and from other media keys which converts the display into full screen landscape mode. The phone has got an inbuilt GPS and Nokia Maps application. The phone comes only in Black which looks nice in hand but a bulky in weight. All over a nice phone to use.

If you from UK and like to take your FREE mobile phone click here

Think of a mobile phone deal where user can get FREE latest mobile phones and not only that good amount of cash back. It seems the providers are helping to provide FREE mobile phones, so that user can use mobile phone and due to use of the phone they are get paid the cash. Isn’t it surprising.

I am not kidding but this is fact. In UK this kind a deal is very popular. There are various kind a contract mobile phone deals available so that people can choose from that and can make a contract with provider for 1 year or 18 months. One of such deal state as follows:

Get Free Nokia N95 with a contract with O2 Network for 12 month contract, per month have to pay 20 GBP and you will get 240 GBP cash back offer.

The above deals says at the end of the year you are going to pay 12 * 20 = 240 GBP but you will access 240 GBP cash back. And also the handset is completely free of cost. So, after 1 year for user point the effective cost is 0 GBP.
So, one can understand one can use latest mobile phones like Nokia phones (N95, Nokia 6300, Nokia 7373 etc phones), LG phones, samsung phones, motorola phones and more.

So the Deal to get FREE Mobile Phone + Cash is not imaginary deal but true. To Know more visit our website : www.123-phone.com

Cricket is the game which is treated as most famous game in India. Despite the India’s national game Hockey, cricket is most popular in the country. Football, tennis, golf, Formula one, rugby etc games which are the games full of excitement and most popular in different countries but in India Cricket is the game everyone loves a lot.

The advertisers or the sponsors, the government give the first priority to cricket as it is most money driven game. Million dollars are invested in the game to get more out of it. In current time there is a league for Indian cricket players combining with the external cricket players of Australia, Pakistan, England, Srilanka etc to attract more people. Even the film associate members or Bollywood film starts are also part of the program. So, game, excitement, beauty all together to attract more business.

IPL or Indian Premier league for the year 2008 is making there money from advertisers and from the general users. They are using sport cricket and the glamorous film industry to make the maximum.

In India there are number of great famous persons are associated with the IPL or 2008 cricket Premier League. Some of the persons are as follows: Sharukh Khan, Prity zinta, Saurav Ganguli, Sachin Tendulkar, Dhoni, Ricky Ponting, Shane Warn and more. They are enjoying game and entertaining people and earning lots from the market.

Sometimes some quires comes is it really good to promote one sport in a country where there are lots of other, is IPL is right way to find best cricket players, is sports is another mode of earning money?

The 1st day of April month is called as Fools day for all. April Fool is the day when your friend or enemy like to make you fool. Why the first day of April is called fools day? Why not February or March or other months first day is defined as day of fools.

The concept of All fools day came in the way to embarrass the gullible. The day was marked by comission of hoaxes and different other jokes rather practical jokes to verify sophistication on enemies, or neighbors or on friends. This day is celebrated in various country to just enjoy the day. In Scotland it is called as April-gowks also know as “hunting the gowk”. The generation of the 1st April concept is matter of contradiction. The 1st of April appears to have been observed as a general festival in Great Britain in antiquity, but in the beginning of the 18th century that may be one of the reason to make the 1st April as the common celebration for most.

There are various ways normally people take to make other fool. Even this day generate lots of hoaxes. Some of them are really untolarable.

• Regarding WordPress - In 2007, wordpress dot com set up their main page so that when logged in, your latest post would appear as ‘Blog Of The Minute’. This raised several questions on their support forums.
• Andrew Carlssin was a hoax created by the Weekly World News about a time-traveling man, that was later printed on Yahoo News as an April Fools’ Joke.
• Homestar Runner creators, The Brothers Chaps, now regularly put up April Fools’ jokes, such as the most recent one in which the entire site was flipped upside-down.
• Dead fairy hoax: In 2007, an illusion designer for magicians posted on his website some images illustrating the corpse of an unknown eight-inch creation, which was claimed to be the mummified remains of a fairy. He later sold the fairy on eBay for £280
• Lies to Get You Out of the House: In 1985, the L.A. Weekly printed an entire page of fake things to do on April Fools day, by which hundreds of people were fooled

There are lots other. So, April 1st is also one of the best day when marketing people market there product to get maximum exposer through viral marketing. All Fools day not really make everyone fool most of the people remain untouched. Some have financial problem, some have personal problem, some likes some don’t. But the thing is that the omni potent makes everyone fool by making a day like All Fools day or better all human beings fool day.

Wish you all very Happy and exciting April fool day 2008. Just enjoy the day by making others fool.

You can also check some of the great news by just clicking on this. Click Here

For Complete FREE 1st April Offer Click Here

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Mobile phone industry is fast growing field not only in UK but also in globe. The fastest growing countries like China, India, African countries and also European countries specially United Kingdom. Most of the companies targeted there mobile market for UK the reason is simple the payout is there in Pounds. Hence, the competition is too high there.

The UK mobile industry is very interesting. In UK the mobiles are normally divided in three basic segments –

1. The contract mobile phones

2. The pay as you go (PayG) mobile phones

3. The sim free mobile phones

The first one is associated with contract basis mobile phones with specific network. It signifies that there is normally a contract between consumers and network providers. As an example let suppose you want to purchase a Nokia N95 with three network (there are other networks like Orange, O2, Virgin, BT etc) you normally go for a contract mobile phone deal with may be like – “ Free Nokia N95 with 6 months free rental with Three network for 12 months contract with £35 line rental”. It signifies that you have to pay £35 for 12 months and you will get cash back of £210 at the end of contract or in between (depends on contract and merchant) and also you are getting Free Nokia N95. Isn’t it interesting? It’s true. Now in case of PayG you have to pay per month, it is same as pre paid connection you just have to recharge and talk with a specific network. It simple and no tension of cash back but also no Free offers like contract mobile phone deals. In case of Sim free mobile phones you have to purchase only mobile phone no contract or connection wit any network. It like you just went to a shop and purchases a new Nokia N95 only handset. For connection you need to go deals with different network and according to your usage you can choose your proper deal. So, in case of sim-free mobile phones only one can purchase handset no network connection. If you have queries and like to purchase best deal not only in mobile but other please mail us; helpdesk@123bestonlineshop.co.uk Submitted by: 123BOS

Christmas, Diwali, Halloween etc is the time when general people are crazy about gifts, travel, food, And this the perfect time for the business people to earn as much as they can. If we observe market in festive season like Christmas we can find that the price of daily use products cost increases significantly. Whereas, the big packages or costly products (not use daily) like travel packages, mobile phones, car, motor bikes, electronic goods, gift goods, gadgets, loan offers, credit card offers we get FREE offers or cheap rate. What the significance or trick.

The basic trick is that in festive season we are crazy about purchasing products, for that we normally collect money to spend and the companies like to sell there maximum products so they want to attract most of the customers to there store offering best deals in the market so that, those companies can sell there maximum products. But here also they use trick of hidden price values. The buyer needs to be alert when investing any money else he/she will loose money.

In Christmas season we normally observe deals like 12 months free line rental offers, Buy one get other free, free gifts, 50% discount, travel package just for £10, free hotel stay for 5 days, free Nokia n95, family trip to London just for £50 and many more. So, these are all the eye catchers and need to be very focused and smart when dealing with a deal. A smart negotiation can save your thousand of money. Be smart and enjoy shopping.

I come across a nice site www.123bestonlineshop.co.uk for UK people and www.123bestonlineshop.com for others. You can check deals here before investing any money.

Happy Christmas!

Submitted by 123BOS

Dewali, Deepawali whatever name you want to say you can it’s a great festival celebrated significantly in Hinduism and Jainism. Dewali is the time when all celebrates with full of zeal. It’s the time when people purchase gifts, sweets, cars and lots of other stuff. It simple the “Christmas of Hindus”. This occasion also called as “Festival of Lights”.

This is the time for which business people also waits as this is the right time to promote products and get good amount of profits from that. People are become crazy to buy and to give gifts to near and dear once. Deepawali or any occasion is really great time to sell products. People crazy to spend and business people use that and earn good profits. So customers beware. It’s really the time when your money will not be properly used. You will normally find the product cost becomes too high so be alert before spending.

In this time also you will find great offers life free gifts, free trip, free tickets, free credit card, free offers which really help you to save your money. So, customer becomes smart before spending your money. Choose among different products, compare it and then purchase. It then helps you to save money and spend it in Dewali or Christmas.

There are number of comparison sites go and purchase from them as they will show you the best picture. I personally recommended not go for big names but the small and to me the 123bestonlineshop is the best site to compare and buy from big plays. They give you free services are it is nice. Enjoy shopping. Enjoy Dewali, Deepawali or Christmas. Happy Deepawali again.

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Submitted by 123Bos