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How To Buy A Home Without Getting A New Loan

How To Buy A Home Without Getting A New Loan

Believe it or not you can buy homes without obtaining a mortgage or loan. You can buy homes without having to have a good credit rating. Using one simple technique called "subject to" you can buy a home without using your credit and without having to get a loan.

What does "subject to" mean? A "subject to" real estate deal is where a person buys a home "subject to" the existing loan. For example if a seller has a home for sale priced at $ 100,000 and there mortgage is $ 98,000, you can buy the home "subject to" the existing loan.

How do you find sellers who will sell "subject to"? First you need to find sellers who need to sell their home fast. This could be due to divorce, a death in the family or some financial hardship. You can ask a real estate agent for expired listings or listings that are several months old. These sellers are usually itching to sell.

Once you find a seller who is desperate to sell you will need to explain what a "subject to" deal is. Basically you need to explain to the seller that you will pay their mortgage payment. Actually you can pay the mortgage using the coupon book or you can pay them and then they pay their mortgage payment. There are several aspects of a "subject to" deal that requires a real estate attorney. To increase your chances of doing a "subject to" real estate deal you will need to find a real estate agent and real estate attorney who has completed "subject to" deals.

If you are serious about buying a home via a "subject to", I recommend find a couple of real estate investment books on the subject. Get familiar with the language of the deal so that you are comfortable with this type of real estate transaction.

If you want to buy real estate using other people's credit then learn how to master the "subject to" real estate transaction. …

Types of Beauty Salons and Some Tips For Choosing the Right One For You

Types of Beauty Salons and Some Tips For Choosing the Right One For You

A lot of modern beauty salons today are equipped with state-of-the-art equipment for doing practically anything you wish to be done with your hair from getting a perm to hair coloring, hair extensions, hair straightening, hair re-bonding, hot oil, and so on. Beauty salons also offer a wide range of beauty services aside from hair styling such as manicure, pedicure, facials, massage, hair removal, tanning services, and even full-scale spa treatments.

Types of beauty salons

There are different types of beauty salons and one way to categorize them is by price range: low, middle, and upscale. There are walk-in facilities that do not require an appointment and are usually lower priced than the upscale beauty salons. These types are usually homegrown neighborhood salons and are ideal for the person on-the-go who wants a simple trim or a basic haircut or a wash-and-wear hairstyle. These salons may be a bit limited in their equipment and offer only basic services. The second type-mid-range category-is usually a franchise of a national salon chain. These salons are reputable and are known by trademark throughout the country. For those who want a change of hairstyle but wants to be on the safe side, this is a safe bet because stylists in these salon chains usually undergo strict training and have to pass certain standards before they are allowed to cut and style hair. These types of salons usually offer a wide range of services and are equipped with the latest beauty salon technologies. Upscale boutique salons may also be homegrown or owned by an international or national chain. Naturally, they are pricier and usually have a swanky or hip address. A lot of five-star hotels offer upscale beauty salons where the patrons are in the upper-class range. These salons usually have hairdressers in landau scrubs and provide full-pampering treatments. So if you have the money to spare, it is also god to indulge yourself in these salons once or twice a year.

Beauty salon tips

Sticking with one stylist and beauty salon is ideal for most because developing a relationship with your stylist makes it easier to get things done right; and when it comes to beauty, you want to avoid any errors as much as possible. Choose a stylist that you are comfortable with and one who has a natural instinct for knowing what looks good on you. Hunting for the perfect stylist will also be a matter of budget and proximity. Remember, however, when it comes to your hairstyle, think of it as an investment. Don’t scrimp too much when choosing a beauty salon since the right hairstyle can do a lot to make you look gorgeous and a bad one can do a whole lot to wreak havoc to your appearance. Also remember that the best salons are usually already discovered by a lot of people. Word gets around fast when a beauty salon or stylist is worth taking note of. This means that salons or stylists that are worth it are …

Why Do Birds Fly Into Windows?

Why Do Birds Fly Into Windows?

A chickadee lands on the ground and grabs a small bug for a snack. It quickly takes off only to fly smack dab into your front window, and you hear that awful "thud".

Fortunately this was only a glancing hit. After retreating to a nearby tree branch to recover, the chickadee regains its wits and flies off in another direction. This little bird was lucky. Window collisions result in many thousands of bird deaths every year.

Clear glass is totally invisible to birds. Instead, they see reflections of their surroundings, like trees and sky. Or they find a houseplant or shiny objects inside your house very interesting, and fly towards them. If you take a walk around your house and look at the reflections in your windows, you will see them as your birds see them.

However, you can minimize or even eliminate this problem by hanging objects either inside or outside the glass window or door to break up those reflections.

About 6 years ago I had the idea to use strips of vinyl adhesive paper (brand name 'Contact') arranged in a diagonal pattern, to prevent my wild birds from banging into our windows.

First, I made sure the glass was clean and free of any grease that might prevent adhesion. I chose a light-colored wood grain design vinyl adhesive paper, which I found in the local big box discount store. I then measured the window diagonally from corner to corner, and cut my first strip that length, plus 3 inches to allow for waste. There is a grid on the paper backing, so measuring 2 inch strips was a breeze. You can use any width you want, depending on the size of your windows. However, you do not want the strips so close together that they might obscure your view.

I started my first strip in an upper corner of the window and adhered the strip to the window glass in a straight line, ending in the opposite bottom corner. I trimmed the excess adhesive paper and measured for the next strip. Keeping the strips in a straight line is easy if you make a cardboard template that is your desired width (I chose 2 "wide), and long enough to reach from corner to corner on your window. Uniform distance from one strip to another. Instead of cardboard, you may choose to use a long piece of wood that is the desired width.

Continue to add strips diagonally in one direction, and then start in the opposite upper corner and repeat. This pattern reminds me of an English country house. I think it makes a charming addition to the look of our house. Visibility is not impaired for me, and no birds have hit our windows since I installed this treatment.

I have washed the windows as usual, but with a gentle hand. So far the pattern has remained in tact and still looks great. It has weathered rain, snow, sleet, wind, hot sun and various window cleaners …

What Is Your Style? – 8 Style Quotients And Their Traits Explained

What Is Your Style? – 8 Style Quotients And Their Traits Explained

The guy that is so “Sporty”. She is so “Classy”. We often hear such remarks. But have you wondered what exactly these styles means? Have you wondered, what traits, dressing styles go along with each of these style quotients? Read on to know more about 8 different such style quotients:

Frumpy:

Your life is over burdened with work commitments to even spare time for your looks. Appearance is secondary or tertiary in your list. You prefer easy and comfortable clothing over the fashionable ones. You generally do not co-ordinate what you wear, more so in such a hurry or dislike to check your reflection on the mirror. You pick up the most comfortable pair of clothes on display and do not mind walking out in slippers. You generally window shop without much personal interest. Whatever glitters does not catch your eye. You priority is your work and practicality and feasibility and the comfort that it offers. You love who are, and have no qualms or regret about it!

Casual:

You like to let your hair down at most of the times, are extremely comfortable in your skin and value comfort over anything! You don’t fancy products in vogue always; it has to suit your personal taste to land up in your wardrobe. You prefer to chill out with your peeps over cold coffee or beer (if you are within the permissible limit), gossip, catch up with latest releases in your shorts! You are laid back when it comes to fashion, so you mellow your style to keep the fun factor intact while making yourself an easy combo to slip on! You love colors and free-flowing silhouettes. You love wavy prints and strut around in your shorts with your sport shoes or casual t-shirts on!

The Girl/Boy Next Door:

Your sparkling eyes and dimpled smile do all the talking! You have easy, uncomplicated and appealing way with others; traits which are easily recognizable by your baggy jeans, sweat-shirts and carelessly ruffled hair! You have an easy-going air about yourself which is reflected by your gestures and attire alike. You love to share a laugh with everyone around you, eat out with your girls and also occasionally gossip/ bitch about other girls. You love to receive and give flowers, chocolates make you go weak in the knees and you love your old and faded jeans way more than anything in your life! You are recognized around for your pony tails and the cute ear piercing and did we stress on the fact your “cute” smile!

Sporty:

You are extremely active and like to reflect the same from your sense of dressing. Functionality rules foremost than fashion and a colorful closet is also your asset! You love your track pants and drool/ window shop every time you pass by an Adidas, Nike, Puma or Reebok store. Cool Athletes have influenced you enough with their athletic looks in shorts or mini-skirts to make you take notice of yourself. Sport-stars and their sporty style appeal …

Apartment Sofas – Comfortable Living

Apartment Sofas – Comfortable Living

If you are planning to move in another place or you just moved in, it is vital for you to choose the right furniture that fits your home. There are times when people do not carry along their appliances and old belongings because they are too bulky for their new found apartment. In this case, you need apartment sofas that are easy to carry and come with stylish features and designs. Buying apartment sofas are not hard; You just got to have a particular idea on what type, design, and size you want for a sofa. There are ways to look for one, here are some helpful tips you can use:

1. Since there are different types of sofas, you need to determine the functions of a sofa in your new home. If you want a sofa that will be functional, you will need a sleeper sofa so you will not buy for a separate sofa and bed anymore. This will enable you to save a lot of money in the long run too. Before buying one, you need to measure the size of the space where you want to place your sofa so that you can refer to the size taken when you shop for one.
2. You also need to look for apartment a sofa that matches the color and theme of your house. It will be odd looking if you buy one that looks awkward on the color and design of your apartment without you want to be unique and you can carry it too. What you can do is to put some pillows on it that comes in a variety of colors.
3. You should be aware of materials used in some sofas; There are cheap materials that can cause allergy to kids if you have kids with you. You should only buy from shops and brands that are reliable.
4. Before buying one, you should try the sofa first, if you feel comfortable, you should scrutinize first before buying one.
5. You also need to check the fabric if it is itchy or not. There are also sofas that have damages so you should also check because you might buy a damaged one without being aware.

Living in an apartment is not an excuse for you not to take care of your home. There are lots of people these days who are actually renting an apartment because they find it more economic than buying a new home. Although it is hard to live in a house that you do not really own, the fun of living away from your family needs to be enjoyed too at times. You need to be very responsible and one way to do that is to choose your furniture and appliances. The demands for apartment sofas are higher these days because of so many people that are leasing. Transforming your unit to a nice home can be very relaxing and harmonious too. You should work on some things that will …

A Brief Introduction to Wedding Dress Styles

A Brief Introduction to Wedding Dress Styles

Every woman in the world wants to look fabulous on her big day. This needs great efforts to achieve the effect. One of the most important aspects is the wedding dress. Today I’ll going to introduce the major wedding dress styles and help you to choose the wedding dress style which flatters your body most.

Generally speaking, there are five major bridal dress styles in terms of the silhouette of a dress. They are A-line/Princess, Empire, Mermaid/Fishtail, Ball Gown, and Column.

A-line or Princess line dress can be called the most ideal and most populous one because it almost suits every one. The A-line dress is characterized by a shape that is fitted around the bodice and flows out to the ground with the outline of uppercase A. This kind of dress can slimmer your waist and flatter your bust. Due to its classic and simple style, the A-line dress can be worn in any occasion, varying from a quite backyard, a traditional church ceremony to a beach wedding ceremony. In a word, A-line dress is pretty versatile, you can stand out your strong points of body or hide those of which you are not so pound by add simple modifications to neckline, waistline or fabric etc.

An empire dress features a shape with a raised waistline and a virtually straight line past the hips. It is especially appropriately for those bridals have a small bust or a broad waist. Like the A-line, the empire dress is also very versatile. The sleeve on an empire dress ranges in length from a long, bell sleeves for a chilly winter wedding to a sleek, sleeveless terrific design for an outdoor summer ceremony. Light fabrics such as chiffon, silk contribute to a graceful and romantic effect.

A column dress, also referred as a sheath, is fitted with a straight skirt. It tends to hug the body so that it shows all curves. There are many ways to change the overall look of a column dress. Different necklines, sleeve length, skirts length and fabrics can give a totally fresh look of the dress. A willowy bridal bride, tall or short, in a column dress is definitely the focus of the wedding. Due to its design, a column dress is not a good choice for those plump bridals. Besides, the bride in a column dress may have constrictions on your movement such as sit and dance.

The ball gown has a full skirt and is most suitable for a large and traditional. Trains are perfect with the ball gown, both cathedral length train and brush lent train. A ball gown can flatter your from head to toe if you have a full bust and a small hip. But for those petite bridals, it not wise to wear a ball gown dress because it make you smaller and seem to disappear into skirt. Anyway, the A-line is a better choice for petite bride.

A mermaid dress, also known as hourglass, is tightly fitted to the body …

Enjoy Your Adventure Trip to Puerto Rico in a Convertible Car

Enjoy Your Adventure Trip to Puerto Rico in a Convertible Car

Puerto Rico that is officially known as commonwealth of Puerto Rico is an autonomously controlled body of the United States of America located in the northeast Caribbean Sea. Puerto Rico is an archipelago Consistent of main island of Puerto Rico and a number of smaller islands and Keys.

The island is rich in a number of beautiful locations around it. Its central mountain range goes as high as 1,338 meter at Cerro de Punta and it is the only tropical rainforest in the United States. El Yunque in Puerto Rico is quite popular for its beaches, turquoise waters and soft yellow sand. It is a great tourist center and a number of cultures get merges here and nightlife here is exceptional beyond the expectation of a person to enjoy it.

Now in order to visit the island of Puerto Rico either you can reach there either on your own public transport that can be sometimes become cumbersome as against the traffic jams and stops where it would drop you. To get car on rent you can hire service of a car rental agency which may provide an affordable car rental service on a very reasonable price and rate. There are many methods to get a convenient car rental to be booked for a tour in Puerto Rico. You can get it booked it either from a next door car rental agency or do it online where you will get a plethora of car renting ideas even with many discounted offers.

It is now your turn to pick up the model of the car that you will use while traveling Puerto Rico. You can have car in economy, sub economy or in budget range. If you wish your tour to be great full of fun and frolic you in the category of car models can choose convertible cars which are great fun to be enjoyed. A convertible car is known as one that can be folded or removed; Some popular convertible cars are Mini Cooper, BMW 330ci, BMW Z4, Audi and Quattro. These cars are great as for the travelers who love enjoy sunlight, rainfall or snow fall.

You can have these convertible cars on rent from a number of car rental agencies in America which also ensures the safety of travelers. It is better to book the convertible car well well in advance to avoid instant botheration at the time of picking car at the rental agency. Any person above the age of 25 years with a valid driving license can have a car on rent. A person above the age of 30 years can have driving license for the convertible models of the cars such as Bentley, Lamborghini Viper and Ferrari. Car rental services as in Puerto Rico for convertible cars deliver services straight to all the important centers in the city. As payment for hiring convertible cars can be paid through credit card, debit card, checks, cash and traveler's check. Traveling in convertible cars is a great fun. …

Western Influence on Indian Fashion Wear

Western Influence on Indian Fashion Wear

Due to British colonialism in India, India’s culture has been significantly affected by the West. With globalization, Indian fashion today does reflect the Western influence. Halter tops, handkerchief-cut kurtas etc are common today and have become a part and parcel of one’s wardrobe. With 28 states, 7 union territories and multiple dialects, India is a land of great diversity and each state has its own unique fashion.

Conventional sarees, blouses, salwar kameezes and necklines have undergone great changes. The latest Indian fashion trend has a touch of the West. Indian fashion designers are working day in and day out to meet the new demands of the market. Let us see some of the Western influences on Indian dresses.

Short- Style Kurtis

Even a few years ago, traditional kurtis with bold prints were popular among the masses. Though they still continue to be in demand, yet short-style kurtis with halter necklines are giving their traditional counterpart a tough competition. Earlier, kurtis were worn along with chudidars, but today wearing them over jeans is the latest Indian fashion. Right from a celebrity, to the girl next door, short-style kurtis are a rage. Floor length anarkalis are also in high demand these days.

Casual Crinkled Crepes & A-Lined Skirts

Lehengas have always been loved by ladies among all age groups. The traditional embroidered lehenga is one of the best Indian bridal wears. However, lehengas have evolved into a casual crinkled crepes and A-lined skirts which are considered ideal for a party, social gathering or an informal meeting.

Half-Lehenga Style Saree

Saree is the most traditional Indian wear. Sarees are the perfect wear during weddings, religious functions and parties. However, the latest Indian fashion has seen the evolution of a new style saree which mixes both the saree and lehenga into a single wear. This is capturing everyone’s attention. This type of saree is known as half-lehenga style saree. This is pretty comfortable for those who are not well-acquainted with the traditional hanging saree.

Strap & Halter Neck Blouses

Earlier and even now, short-sleeved or long-sleeved blouses are very much popular among ladies. However, today blouses with straps and halter neck styles have also started making inroads. These types of blouses have become very common and are in great demand.

Denims

Denims are highly popular among men and women in India. Earlier in parties, formal wear was a common sight. Though it still is, yet today in many parties and even in offices, there is no dearth of people wearing denims. There are several international brands of denims available in India and each and every day the market is witnessing arrival of new designs.

There are always new styles which are developing from time to time. The western influence on Indian clothing is making them trendy and elegant. A new design can evolve anywhere. It is up to us to adapt to the changes according to our own style, convenience, preference and choice.…

Photography Marketing Ideas for Photographers: 10 Low Cost Ideas

Photography Marketing Ideas for Photographers: 10 Low Cost Ideas

Marketing your photography studio does not have to be expensive. I've used hundreds of low cost marketing strategies over the last twenty five years and managed to build my photography studio to the point where I am one of the busiest and most successful studios in my city. Here's a few tips for you:

1. Create a photo display. A photography display can be as simple as displaying a few small portraits at a store and offering some free information about your studio or more elaborate set ups with framed wall samples. You can even create large temporary displays inalls or at events such as trade shows. The important thing is how it looks. You will attract a lot of attention with some great images, especially from woman, who happens to be your target market. Displays will help you create a lot of business if you play your cards right. Have a great selection of images, be presentable yet never pushy, have a system for collecting names and address's from those wanting more information by simply asking or offering a draw prize, and keep in touch with all those prospects. It's the beginning of a potential long term and lucrative relationship.

2. Have a free giveaway. Offer a time limited in studio session and small reprint. Tell them there is no obligation for further purchase, and mean it. You will make some sales anyways and you will acquire many long term clients if you do a good job for them. Some will only grab the freebie, but the odds are very good that you will upsell without being sneaky or pushy. Especially if you are professional and create some great images. Do this at mall displays, banks, schools or offer it to a list of clients from a non-competitive business in your town or city. Freebies are the best way to get your studio busy, start making sales and most of all for getting tons of exposure.

3. Reward referrals. Make a policy to reward anyone who brings you referrals. When a client brings in a relative client, give them a gift of appreciation, such as a coupon worth reprints dollars at your studio, frames, or to a local spa or restaurant. As an added incentive, give a small gift to the new client as well.

4. Create a tie-in with another business. Contact a local business and offer to exchange coupons. For example, your client receives coupons from a local restaurant, hair salon, spa, or where your typical prospect would shop. A great place to start is with clients of yours who already own their own businesses.

5. Make your reception or waiting room "prospect and sales friendly". Whenever you create a family portrait or are shooting a wedding there are often people waiting in your reception area. Offer them snacks or something to drink. Make sure your place looks great and smells nice. Make it comfortable. Use this time to increase your upcoming sales presentation by explaining some …

Perfume – A Money Making Business

Perfume – A Money Making Business

Perfume has been around for ages; for longer than we can even fathom. It has become so ingrained in a woman’s essence that most women won’t leave home without it. Among many perfumes to choose from, Bvlgari perfume has made great strides in the world of scents; a world that everyone wants a piece of.

The perfume industry is at its peak for women’s cosmetics. Almost every department store in the world sells it, as well as many stores and private owned businesses. That is because of their money making capabilities and the attraction that it brings to women.

Every business that is anything wants a piece of some sort of perfume stock. That is because the liquid magic that casts spells on the world has a way with women and men everywhere; and the money is not so bad either. Perhaps perfume is so ingenious because of the way it makes people feel. It has the ability to make a woman feel like she is dressed up and fancy with just a quick spray from a bottle.

Not only does every store in the world want to sell this much in demand product; but every brand name out there wants to start there own. Just like Bvlgari started out in jewelry and other fine products; so too it was not long in coming before Bvlgari perfume was in the making. Everybody who is somebody, and even those who are not, want to make their own perfume because of being such a wanted and needed product.

There are never enough smells and never enough names. Movie stars, as well as any Joe on the street will make their own line. The way it sells is by appearing as unique and exotic, and having that perfect scent. There is never enough perfumes on the market, which is why every day you will hear of a new line.

When starting out, all it takes is one person to wear it and question what it is for it to take off. A lot of times this is how small companies make it big. Perfume has a way of attracting the person wearing it and the person surrounding them.

Perhaps it is a good business to start; making your own perfume. It can really make it with the right tools. If you have the right name, a catchy slogan, and good products; that is a starting point. No matter that you are not a popular brand name; everyone starts out small.

You may not become the next Bvlgari perfume, but if it is such a money making business due to its very high demand, you may at as well give it a shot. Nobody said it is a sure win, but it certainly does not hurt to try. If you attract the right crowd, you may just have your in. After all, it may only take one person (or one nose) to set the trend and bring in the hordes once they smell something …