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Who Needs A Mortgage?

As Featured On Ezine Articles

What's better: a 3bedroom house for $200,000 or a 3bedroom house for $12,000? The answer is obvious,but why do most families end up paying the bigger price stretched out over a decade or so?
I never really understood real estate as a youngster. I simply thought you get grown,get a job,get married and buy a house,then one day I found out about this thing called a mortgage. People who supposedly own their homes pay a monthly fee(mortgage note) until it adds up to the total purchase price. And it doesn't stop there because on top of that there's interest added to those monthly notes which means you end up paying more than the actual purchase price. That $200,000 house now becomes $275,000 or more.

How can you get around this?

Like the old saying goes'"where there's a will there's a way." All over America everyday mortgages are NOT being paid up and when that happens the law basically says that would-be home owner forfeits the right to its possession. This starts a process known as foreclosure. That property goes back to the selling party who still wants that property to be paid off. So the next step in the foreclosure proceedings is to put that property for sale at an auction.

The selling party needs to collect at least the amount owed and this is what usually sets the starting bid. The house up for grabs has a particular market value based on the economics of its location,the quality of materials used to build it, along with any improvements which may have been made. So the smart thing to do is to buy between what's owed and the market value. The difference is known as equity which can actually be pulled out in the form of cash.

For simplicity let's say the market value is 100k with 9k being owed. The bidding begins and you manage to win at 12k. That's $88,000 you saved and you never had to pay a dime of interest! Compare that to what normally happens or even worse...renting! As you can see it's far better to use your saved up cash for the actual purchase of a home via foreclosure auction rather than a mere downpayment on a mortgage.

Foreclosures aren't the only way to own property at incredible discounts because when taxes go unpaid the would-be property owner still loses rights even if the mortgage has been paid! The result is known as a tax-deed sale. Many times this method allows you to buy property at lower costs than foreclosures.

So the next time you or someone you know intends to buy any piece of property look into foreclosures and tax-deed sales. And if you don't have the cash,then get it from Uncle Sam without having to pay it back! Believe it or let it alone...the only way you'll know is if you click here.

For more information about buying real estate at significant discounts follow this link.
As Featured On Ezine Articles

Can You Afford To Increase Gas Mileage Of Your Car?

Yes you can! Increasing gas mileage of your car has never been easier; with all the gas saving products around to choose from, the fact is, you need none of them. This article will give you the background to start reaping the gas money you’ve been dreaming of…

Recent technology advancement in automotive industry has seen an upsurge in improving the fuel economy of our car engines and thus making them as efficient as they can be. Heavy investment has been poured in making the car engines as clean as possible, where exhaust emission is concerned, thus increasing the gas mileage capability of the car. This has created a new batch of vehicles with engines more fuel economical compared to engines of comparable size a decade or more ago.

We can’t deny that apart from the engines alone, electronics do play an important part on the quest to reach the best mileage cars available with better fuel economy. However, with the ever going onslaught of constant and increasing fuel hike, there’s no way that advances made in producing more engines with higher fuel efficiency may far exceeds with the increasing cost of gas.

Much budget and investment have been spent on research and development of better car engines with best fuel economy, which in the end may take years to recoup the cost of initial investment alone: let alone the vast manpower needed for these arduous tasks. Thus, where corners can be cut, manufacturers will, although it must be emphasized that this will not be done at the expense of the safety of the driver, passengers and other road-users.

But are there additions that may be fitted with vehicles to improve fuel economy and make them even more fuel-efficient?

Well, the good news is that there are loads and loads of gas saving devices in the open market and can help improve fuel mileage or increase gas mileage of your car and will work on your car like a charm, so to speak. These products claim to save money on gas and increase fuel efficiency of your car. But the bad news is, most of the so-called gas saving devices that purportedly claim to increase gas mileage of your car are nothing but are subject to advertising hype and thus are a waste of your time.

Hence, there are several ways you need learn to use when it comes to increasing fuel mileage of your car.
1) Electronic Ignition Systems
2) Fuel Catalysts
3) Free-Flow Air Filters
4) Tire Inflation
5) Other Products

Electronic Ignition Systems
This class of accessories really applies to the older vehicles that still run on the traditional contact breaker systems. Those who wish to keep vintage vehicles on the road will find that fitting a contact-less ignition system is the way to go.

Although it is not strictly a fuel-saving device, it ensures that the vehicle stays in tune and retains the fuel economy that a freshly-installed contact breaker system would provide. Minimal maintenance and consistent fuel economy result in increased gas mileage and fuel savings of your car.

Fuel Catalysts
Due to the recent increases in fuel prices, we’ve been getting a lot of response on this method. Suffice to say, fuel catalysts are elements you would put on your gas tank to speeds up the combustion process. This in the end will improve your car fuel efficiency and improve your gas mileage.

Some catalysts can simply be dropped into the fuel tank, while there are some that require to be installed somewhere along the fuel line, between the tank and engine.

A catalyst is a chemical, substance or compound that accelerates a chemical reaction. But it remains unchanged and is not used up during the process. When a catalyst is installed along the fuel system, it speeds up the combustion process, rendering it more complete, and allows for the complete release of energy from fuel combusted.

Installation is pretty straightforward and one-off affair. You’ll recover your initial investment spent on catalyst within a short period of time, from the increased gas mileage savings of your car. Catalysts may also be used for the entire life of the vehicle, and are transferable from one vehicle to another.

The more popular fuel catalysts are made of compounds of tin and other precious metals, but the actual formulation remains a commercial secret. They claim to promote smoother engine operation, cleaner exhaust emissions and can increase fuel mileage savings of up to 8%.

Free-Flow Air Filters
Grouped in the same category as the contactless ignition systems, free-flow air filters offer no gas mileage savings over a brand new item. Most filter elements are washable, and can be used over thousands of kilometers. After that, you may need to replace the air filter on regularly basis. According to the report on, studies have shown that replacing a clogged air filter can improve the mileage that you get with your car as much as 10%.

Tire Inflation
Oxygen in compressed air permeates through the wall of the tire, and inflation pressure is reduced over time. In the process, oxygen oxidizes the rubber compounds in the tire, causing under inflation and deteriorated rubber. Dry nitrogen will can prevent auto-ignition; it will not corrode rims, and can will help the tire to run cooler, resulting in longer tread life. So tire replacement costs go down.

Other Products
Fuel and lubricating oil additives claim to lower internal engine friction drag and improve combustion respectively. Some may work and some may fail considerably. It is important that the device fitted or the additive used does not destroy the catalytic converter. Neither it should void your new vehicle warranty.

At last, increasing your car gas mileage and doing every bit to save money on gas does not require rocket science to understand its importance. No doubt there are no products ever produced by man that could save you thousands of dollars in gas money, but every little penny you would save from every drop of gas goes a long way.

A little step each day will lead to success so you should really start now. Get all the tips and techniques and learn how to get extra mileage when you subscribe to ExtraGasMileage newsletters at this link. Good luck in your quest for extra gas mileage!

Pick up YOUR copy of this ground-breaking ebook with absolutely NO RISK and start to increase gas mileage of your car now...

About the Author:
Sunny Tan is the author of "Gas Mileage Tactics", the ULTIMATE Gas mileage saving resources consist of many top notch tips and tricks the PRO drivers use. Topics include good driving techniques attitude, best adopted practice, and even using the Internet to find the best gas stations available in your town.

How to Get FREE Money Now for AnyThingYouNeed!

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Cruise ship of the sky?

It might look like something from a science fiction movie, but its inventors hope the Aeroscraft concept aircraft represents the future of travel..............

Is this tite or what?!?! Leave a comment and tell me if you think this is something AnyBodyNeeds!

Click here to continue reading the rest of this post...

The Wal-Mart of Persuasion

Check this out about the Walmart debate and comment on what you think....even I couldn't resist commenting on this one:

Another sign bad PR is getting to Wal-Mart? The giant retailer recently tapped former Atlanta mayor and United Nations ambassador Andrew Young to head its new Working Families for Wal-Mart committee -- a group charged with defending the store's wage and health-care policies from mounting criticism by labor groups, filmmakers, and others.

"I've watched the attacks, and I think the critics have it wrong," Young writes in today's Atlanta-Journal Constitution. In Young's telling, Wal-Mart founder Sam Walton brought poor, rural folk the same goods available in big city stores at prices they can afford -- a veritable modern-day retail Robin Hood. He praises the store as the nation's largest private employer and quotes surveys showing its regular shoppers are low-income earners who "need Wal-Mart's low prices the most."

Young urges those who care about the poor to "step up, speak out and join this national discussion."...........................

Click here to continue reading the rest of this post...

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