What Is the Big Deal About Shopping for Cheap Shoes and Women's Sandals?

July 2, 2017

Well, it’s because most all women love to shop for shoes; your outfit is not complete with out that perfect pair of shoes. But in today economy we don’t have a fortune to spend. So buying cheap shoes becomes a major factor but at the same time we are not willing to give up on the quality and style. Lucky for us we don’t have to there are many online shoe stores that cater to our needs, offering various styles of Women’s sandals, Fashion Boots, pumps, wedges, casual flats and many more giving women what they want without having to sacrifice quality to deliver low cost

The benefit of shopping on line:

Well that’s is an easy one, its cheaper, faster, and the online stores are open 24/7 to allow you to shop at your convince and when you have few minutes to yourself. Plus the online shoe stores have a much larger inventory then a department store. So the chance are you will find your dream shoes at one online store that will soon become your favorite, so remember to bookmark it.

Tips to keep in mind while shopping for shoes

You always what to consider Comfort, style, needs, occasion and outfits are the major tips that should always be at the forefront of your mind when you go shopping for shoes just like we make our lists to go the grocery store, same concept different item!

Successful shopping to enjoy the maximum benefits:

–keep your wardrobe update with the latest styles and trends like heeled sandals, flats, wedges, peep-toe sexy sandals, beautiful pump, stylish thongs, fabulous flip flops etc. but always choose the style that fits you and your personality

–Shopping for the occasion is also an important factor to consider. If it is for a night on the town, a pair of stylish stilettos or platform pumps will do to give you sexy appeal. But if you planning a trip to the beach or a stroll through the park you might want to consider a pair of cute and comfortable flat women’s sandals, a pair of flip flops or even a lovely pair of low wedges will fit the bill. What ever the occasion don’t just settle, find the perfect pair that shows off your personality, your outfit and matches the need for the shoes.

–Choose a pair of footwear that matches most of your outfits for everyday ware. But if it’s a special event then shop for shoes that will well match your selected outfit, giving you the stylish flair you are looking for, with an evening gown, a nice pair of any high heel sexy sandals will be the perfect cherry on the cake to keep you in the limelight. For any casual outfits like sundress or caprices, slip into a pair cute and sassy womens wedges that are all the rage right now.

–And of course comfort is the utmost important thing to consider while picking a pair of women’s sandals. Make sure they fit property, the shoes should fit you comfortably and easy to walk in, after all we are not all made for walking in 6′ stilettos, but hey then there are those ladies that are. Whatever your choice I am sure you will be able to find them at an online shoe retailer that stays on top of all the fashion trends at affordable prices,

Owning stylish beautiful shoes should be the right of every women, and stylish beautiful shoes can still be high quality cheap shoes

Have FUN!! And enjoy your shopping trip

The Use Of Veterinary Loans

July 2, 2017

Veterinary loans can act as absolute lifesavers. Consider the following: An anesthesia monitor is on the fritz. Your ventilators suddenly cease working. An X-Ray system suddenly dies. If any or all of the above occur, you are left without the vital tools you need to treat your patients to the best of your ability. Veterinary Loans can allow you to fill those gaps as quickly as possible, allowing you to get back to what you do best – caring for the animals of this Earth.

Benefits of Veterinary Loans to your practice include:

- The ability to keep your equipment up-to-date. Not sure if you can afford that state of the art ventilator? There is no need to wait. A veterinary loan can give you the ability to have that ventilator in your practice immediately. Save for months and months, and you will finally be able to purchase that equipment outright; however, ask yourself how many patients could have been saved by newer equipment in the meantime.

- A cost-effective way to make your practice competitive. The savvy pet owner knows to ask about an X-Ray machine that looks like it was the first one ever made. You can bet that even the most casual consumer notices that examination table that is peeling and unsightly. To remain competitive in today’s pet care marketplace, it is absolutely imperative that you stock your practice with the best equipment available.Veterinary loans can act as absolute lifesavers. Consider the following: An anesthesia monitor is on the fritz. Your ventilators suddenly cease working.

- Low interest rates make veterinary loans a no-brainer.

- Companies that specialized in loans to medical offices like yours make the application process simple. Go through a banking institution, and you may or may not get approved for funds that will allow you to purchase vital equipment. Go through a veterinary loan establishment used to writing these types of loans, and you can bet they will be well-versed on the names and uses of your soon-to-be purchased equipment.The ability to keep your equipment up-to-date. Not sure if you can afford that state of the art ventilator? There is no need to wait. A veterinary loan can give you the ability to have that ventilator in your practice immediately. Save for months and months

Good luck finding your veterinary loan, and remember to select a company that can best provide you with the means to keep your veterinary practice state-of-the-art and running smoothly.

Search Results

July 8, 2017

#EANF#

Gathering some frequently questions about electronic ecigarette

June 22, 2017

Recently, we are heard many people are intereted in the hot electronic cigarette and have doubts about it. Here, we are gathering some frequently questions about electronic cigarette to help all Recognize it and choose it. Please view it and find the answer that you may want to know:

Ask:
Has anyone tried it? i need to know how it tastes!?
provide me some recommendations please
Answer:
I prefer it because of the excellent taste.The taste of electronic cigarettes cannot be explain it fees like flying in the air.Provide the more great taste than normal smoking.it come in cool packaging, and the refills are always delivered fast.Try it and taste your self.

Ask:
Which is the best one?
I want to quit smoking and i’m looking for a good one. By good i mean the one where you can get the most smoke with less effort. I bought an e-cigarette that totally suck, almost no smoke comes out. Has anyone here tried a good one?
Answer:
I appreciate your desire to quit smoking. Certainly, it is not good for health. But, it is hard to quit instantly. So, select one from the site in the source(s) box. It has excellent features. I prefer Culala.com electronic cigarettes because of the excellent taste. And there is no best, only suitable one.

Ask:
How do it save money?
it is of free price
Answer:
Electronic cigaret helps the people to save money who smoke cigaret.This is cheap and can use many time. This can be recycle again and again to use.Although i don’t smoke but also know the benefit of the electronic cigarette value.

Ask:
Where can I buy it in Mumbai, in America?
Answer:
In Mumbai??? Why not buy one online???? No matter where you are and no mater what time, you could shopping online.

Ask:
Electronic cigaretes dangerous?
I’m going to buy e cigarettes for my dad. Is it safe!?
Answer:
No duoult that it is safer than traditional cigarette. I have bought one for my father two monthss ago. He loves it

Ask:
it harmful to pregnant women?
My cousin recently found out that she is pregnant. She used to smoke about a pack a day, and is having trouble fighting her cravings…she’s been able to cut down but not totally stop. I’ve heard a lot about it being a safer alternative, but I know that they still have nicotine which is not good for the unborn child.
Answer:
You must know electronic cigarettes is also harm to ourself. It is water vapor and nicotine. Nicotine is bad for your heart, it is a poison to your heart, but electronic cigs are better for you than regular smoking and it wont stain your teeth. Stop smoking as soon as possible.

Ask:
Best Electronic Cigarette Brand?
Im thinking of buying one of these and I noticed that there are hundreds of brands on the internet. Which one would be the best for me? I consider myself a heavy smoker and prefer something strong.
Answer:
Once you have search on google, you’ll find many electronic cigarette. They make you dizzy disorderly. And I just got an eletronic cigarette from Culala.com

Ask:
Electronic Cigarette not working well?
I purchased e-cigarette yesterday. Whenever i put it in my mouth the first 2-3 puffs feels like cigarette and after that i do not feel anything. I try to puff it hard but still it does not feel like i am smoking. Very little vapour comes out.
What can i do ? I have changed cartridge but still it does not work. Battery is fully charged. Is there any problem with problem with atomitizer ?
Answer:
In this way, electronic cigarette is relative to our health, you must choose a professional Electronic Cigarette. Highly quality ecig is different.

All the questions and answers are from the people that around us, give it to all as a reference.

No Fax No Teletrack Payday Loan – The Most Widely Searched Keywords In The Cyber World

July 20, 2017

No fax no teletrack payday loan are today the most widely searched for keywords on the internet. Availing a no teletrack or a telecheck advance is the most convenient way of organizing funds even with a bad credit history.

Gone are the days when no body was ready to finance a person with bad credit record. Now if you are willing to apply for a no fax, no teletrack pay day loan, numerous financiers will come forward to finance you. All you need to do is surf the internet to look out for options that are available then it is just a little paperwork. Just compare the finance quotes of different companies and shortlist the finance companies that suit your need of funds.

About Pay Day Loans

Payday loans are the most favored advance options now days which help a debtor to handle a financial urgency even with a record of bad credit history. No fax no teletrack payday loans assures peace of mind to a person even with a poor credit record that his need will not be turned down in his hour of need.

These loans are usually short term loans which handle an urgent need without teletracking. This is really beneficial for someone with a bad credit. You can file your application for this loan on the internet. The main advantageous point of these advances is that it is sanctioned to the person within 24 hrs, or even less, so, a debtor can start immediately using the funds towards fulfilling his requirements.

About The Teletrack System:

In general, Teletrack is the system that is used to examine the financial and credit record of the debtor’s account which can expose all the flaws of the debtor’s credit history. These drawbacks can deter him from being eligible for a loan. By applying for the no teletrack loans, one can be assured that there will be no need to fax any documents to the financier that are related to his credit details.

Pay day loan companies impart immediate cash for a short period as against normal loan companies’ long and lengthy procedures. These agencies charge a higher rate due to higher risk factor and no demand of collateral or security.

Benefits In Short

The main advantage of this loan is that the money will be transferred immediately to your savings account upon the approval of your application form and you can start using the funds as per your needs. Thus, these loans serve many purposes like peace of mind, no teletracking and immediate disbursal.

Thrifty Car Rentals – Tripling Your Savings

June 28, 2017

Thrifty car rentals are becoming popular as an option for people who hardly drive their car except on extended trips. Then there are those people who would prefer not to use their own car on trips over uncertain roads for fear of the wear and tear in will cause. People also rent cars to upgrade or downgrade on the size of the car that they own. For instance, an architect might own a large SUV which he uses for bringing his materials to his projects. For non-business trips, the car has much more room that he requires and more engine power than he ever needs to avail of. So he visits a thrifty car rental to get a smaller car for his daily use. Again people might want to rent a car because they are interested in buying that exact same model but just want to try it out first for a week before actually making that purchase.

If you are thinking of a renting a car, you should know that they usually cost less than the up-front price. This is because thrifty car rental companies offer discount bonuses on most cars and at most times of the year. Discount bonuses can shave of from 10% to 50% of the amount you need to pay after renting it. Price shave-offs can be availed of if you rent on weekends or during off-peak season. You can also have price reduction on the average cost if you rent for a week or a month. The specifics for extended rental discounts may vary from company to company, but they are always there.

Right now, the going price for high-powered cars, has gone down with the recession. Due to the need to save, people are buying cars with less power and smaller build. The result is that cars like the SUV are rented out instead of sold. Now would be the right time to try out renting a SUV from a thrifty car rental. This car is ideal for outdoor adventures on virgin terrain, like camping in the wild or fishing out in a secluded lake. The SUV is also ideal for visiting friends who live in isolated areas.

Before renting for an extended period, you need to consider the amenities or accessories that are included or excluded for monthly or yearly rental plans. Before settling on a monthly rental plan, be sure to calculate whether renting daily for 28 days will cost more than an outright 30-day plan. There are some thrifty car rental companies whose price structure sets a higher basic rate for monthly plans. If such is the case, there may be amenities or add-ons for monthly rentals that you are not aware of. Ask the personnel about it.

Other than the basic discounts on the rental fees of thrifty car rentals, some offer discount coupons for tourist spots, hotels and restaurants. These discount coupons are issued by the establishments to encourage more visitors to their place. Among these establishments, you have Disneyland, Sea World and even Universal Studios. Holiday Inn and Grand Hyatt are two hotels that offer discount coupons for travelers.

Clothing Store For Fashionable Women Clothing

July 2, 2017

Men and Women by nature are social animals. They always try to look their best by wearing different types of clothing and accessories. The habit of dressing fashionably is more prevalent in women then men. They are always conscious of the latest fashion and style. Fashionable women clothings are available in different qualities and prices.

The new styles and fashions are mostly the domain of the young. The main fascination of the young generation with fashion is to look different. The requirements of the young are different; an ideal life for the young requires designer clothing, money and a place to stay.

Now a days Designer women clothing are available almost every where. They are designed to fulfill the needs and requirements of every type of customers. Due to increase in the demand of fashionable clothes there is a demand for courses in fashion arts and design. Now a day a lot of universities are fulfilling the demand by offering these types of courses.

There are many good quality women clothing stores which sell their clothes online. Online stores have unmatched convenience there is no need to leave the safety of your house to select a dress. There are many women clothing online available, the choice is unlimited. If you are in U.K then Hobbs clothing is the place to shop for designer clothes. Even if you are not in U.K you can shop from Hobbs by using the internet. Women clothing can be obtained from the women shopping store of Hobbs. Designer women cloth can also be obtained from Zara online shop. The clothes at Zara are different and of a better quality then most online shops.

Another advantage of buying from exclusive women online clothing store is that they offer free delivery to homes of the buyers. Zara is one of those shops which not only offers free home delivery but also offers 3D images of women clothing, which helps a customer in making a better informed decision. Another feature of the quality web sites is that you can check the quality of the cloth by asking for a sample. Buying women cloth online can not only be a enjoyable experience but it can be a process which can save you time and money.

Car Rentals is a Must For Every Traveler

July 11, 2017

The Gold Coast is an ideal holiday destination for you and your family. It has everything that can make your holiday down under a memorable one. The Gold coast is arguably the best tourist destination in Australia with almost 10 million tourists enjoying its fabulous surf beaches, unparalleled theme parks and dense rainforests every year.

The most visited tourist spot in the Gold Coast is Surfers Paradise. The place offers you with many entertainment options to explore. You can indulge in various exciting activities like surfing, jet skiing, fishing and parasailing during your trip to Surfers Paradise. Apart from these, Surfers paradise is also well known for its active nightlife and unmatched facilities for beach volleyball, golf and bungee jumping.

Along with the surfers paradise, you will find many other tourist attractions. The American Style Theme Parks are few of them. These parks have in stored some of the most exciting options for you and your family. Dreamworld, Movieworld and Wet n’ Wild are the three most famous theme parks in Gold Coast. While planning a trip to these parks, make sure that you have ample time in your hand because these parks are too big and too wonderful to be done with in a single day.

Gold coast is also the home of some of the most incredible architectural masterpieces. The Q1 Building (world’s tallest residential building), Gold Coast Arts Centre, Ripley’s Believe It or Not Museum are the finest examples. You can’t even afford to miss out the attractions like Tropical Fruit Farm, Sea World and Currumbin Wildlife Sanctuary, during your trip to Gold Coast.

Car rentals gold coast is one of the ways to witness and admire the real beauty of all the tourist attractions. By renting a car, you can visit all these places at your own will. There are many car rentals options that are available for you in Gold Coast. You can go for one way car rental plan, which includes picking the car up from one place and dropping it to the other location. Generally, this plan is preferred by people, who hire cars between airport locations. Another one can be two way rental, which is normally taken up by tourists.

During peak seasons, you might also get some bonus or special offers on your car rental plan. In spite of the plan you choose, make sure that you negotiate with the car rental company.

After all, at the end of the day, it is your money!

Home Buyers and Sellers Real Estate Glossary

July 3, 2017

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Three Reasons to Hire a Car on Your Holidays

June 20, 2017

If you are planning to arrange transportation in Portugal, then you will find many options for you. However, the best transportation medium is to have car hire in Portugal. Of course, you can get other public and private transport option, but in most of the situation you will find that you are doing the best deal by going for car hire in Portugal. So, let’s see the three most common reasons why you should go for car rental in Portugal.

  • You will get best deals in terms of cost: Car rental is better if you have a travel plan spanning over different spots of city. For example, you are a tourist or have come for visiting places like coast lines at Algarve or different spots in Lisbon or Faro; then a car hire in Portugal make sense. Instead of taking different vehicles from one spot to another, a car rental for the required stretch of distance or time will give you economical advantage. Some times car hire companies will have different discounts or package for different tourist spots, too. This may depend on the seasons, when the passengers going for car rental in Portugal may be less. So, watch out for these discounts and it will prove to be a best deal for you. In case, you are a local there also, a car hire in Portugal will offer a relatively economic option for you, especially in case you are looking out for convenience too.
  • It provides a real comfort: Car rental is always very comfortable as compared to other public and private transport. The same way car hire in Portugal will take care about your comfort, while traveling. It is spacious and you need not worry about luggage too. It sees about your own comfort, all because of the reason that it has been hired personally for you. This makes a very economical comfortable option for you.
  • Takes care about your urgency, time schedule, etc: One of the reasons why people prefer for car hire in Portugal and elsewhere also is because of convenience with regard to your time schedule and plan. For example, while traveling you needs to stop over somewhere for shopping for a bit more time, you are free to do that without worrying for you being getting delayed. In case, you are planning to go for airport quickly, you can easily do so by taking an alternative way, if the main road has some traffic jam. In case of Portugal, you will always like to do that seeing all the scenic spots you will find at Algarve beach or stunning places at Faro.

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