Omnimount Tria 1 B 1-Shelf Wall Furniture (Black/Dark Glass)

Product Description The Tria Series wall shelf systems offer hassle-free shelving and cable management solutions suitable for any environment and can be used with or without a flat panel. User-friendly features like adjustable shelves and paintable, trimmable covers make them customizable for any application. Tria 1 is a 1-shelf do-it-yourself solution that allows you to neatly organize components right under your flat panel without the need to run the connections through your wall.

Logitech Harmony Xbox 360 Remote

Product Description The Harmony 360 Remote Control for Xbox 360 is teh sure way to get more enjoyment out of your Xbox 360 and home entertainment system, without having to juggle a dozen remotes. Just connect the Harmony Remote to your computer and the Web wizard walks you step-by-step through a simple set up. It shows you how to set it up so that it's controlling your TV, DVD or clicking into game mode. Even the most complex home entertainment system is easy to control -- and best of all, you can do it without all the hassle of writing macros.

Cheetah Mounts Prosfessional Dual Wishbone Cantilever Arm Mount

Product Description PROFESSIONAL DUAL WISHBONE ARM MOUNTThis mount is a professional designer series mount featuring elegant design, cable management, and rock solid movement. This mount is virtually the same as the UCL-X mount sold at Circuit City for $599. We believe that is it the best arm mount available for 32-63" displays weighing up to 200lbs, regardless of price. FeaturesProfessional Mount with Ultra Smooth Movement Dual arms and rotation adjustment ensures a level display Built in bubble level for wall bracket Designed for 32" - 63" Displays Maximum Weight Capacity: 200lbsUniversal Flat Screen Attachment Integrated Cable Management Spring Assisted Tilt Control Lift N" Lock Screen Installation High quality powder coat finish Solid One Piece Wall Plate: 14" Tall by 20" wide wall plate secures to interior wall studs 16" on center and solid block walls. Wall plate includes 2 cable pass-troughs to allow AV cables to be passed into the interior wall space for that clean and sharp installation look. The pass-through areas are covered in plastic trim if not used. The wall plate also allows the connection to the wishbone arms to be adjusted up to 2" left or right from the wall plate center to help compensate for interior wall stud locations. Integrated Cable Management: The clever design provides many channels to conceal AV cords running from the TV to the wall plate behind each piece of black trim.The two arms all the TV to be pulled up to 28" away from the wall. When the arms are pushed in, the back of the flat screen will sit 6" away from the wall.Spring Assisted Tilt Control: The tilt mechanism makes it easy and safe to adjust up to 10 degree up or down for any flat screen up to 200 lbs. The tilt control mechanism also provides up to 90 degrees of swivel.Universal mount fits virtually any display: This mounts ships with 2 different screen attachment bars, one for 32-50" displays and another for displays up to 63".

Finding a Good Automobile by Attending Car Auction Houses

Various types of auctions have often been seen depicted in movies and TV shows for decades. Auctions do have the potential to set the stage for an interesting scene, as people get themselves caught up in the proceedings, get attached to particular items, and engage in bidding wars. There are many car auction houses across the country that put on various types of motor car auctions, from a seized car auction one weekend to a classic car auction the next, with many other types of auctions in between.

Some people who are not even particularly interested in buying a vehicle through a car auto auction still enjoy hanging around an auction house on the days that the auto auctions are running, just to take in the atmosphere of excitement and to do a bit of people watching. It can be a fascinating experience to watch the proceedings, especially if you have never before attended any type of used car auction. If there has been a vigorous round of bidding on a particular vehicle, then it can be electrifying when the auctioneer drops the gavel and pronounces the vehicle sold!

Car auction houses run all kinds of different motor car auctions on a regular basis. As a result, they have a great deal of experience and expertise in the field. At the same time, people who have never been to any kind of auction in the past can feel somewhat lost and bewildered the first time they venture into a car auto auction house.

Because of this, it is strongly recommended that first time goers, whether for antiques, collectibles and artwork, or for a public auto auction, attend at least one or two auctions in the role of observer and not as a bidder. Most of the car auction houses have an open door policy that allows spectators to come in and watch the proceedings; however, there may be restricted access to certain types of auctions.

The car auction house is not the seller of anything being sold. Instead, they are simply providing the services of the auctioneer, of registering the bidders, managing it and collecting the funds that are generated by the various motor car auctions that they host. If a person wins a bid on a vehicle, then they will pay the final bid price, as well as a percentage of the final price to the car auto auction house. This additional percentage is a fee that covers the expenses incurred by the auction house and is the main income source for these types of businesses.

When looking for a new vehicle, checking out the car auction houses in your area can be a good way to save yourself some money on an ordinary car, a collector car, and even large RVs. It is also a good idea to research the current Blue Book pricing on the types of vehicles you are interested in before you go to a car auto auction with the intent to make a purchase.

Educate yourself further about car auction houses from Mike Selvon articles portal. Your feedback is valued and appreciated at our wholesale auto auction blog where a free audio gift awaits you.

The No Cost Refinance - Part I

The worst part of refinancing (other than the headache) is paying all those closing costs. With so many hands in the cookie jar, the fees just keep piling up. And some of them are just plain stupid...I mean, why do I need title insurance for a refinance on a home financed in my name? If you have ever gone through the refinancing process, you know it can be quite a hassle. Unfortunately, there is nothing I can do about the refinancing process being a royal pain in the rear, but what I can help you with is the cost of refinancing. There is a way to refinance your home without having to pay any additional out of pocket expenses AND without raising your principal balance.

With mortgage rates dropping like a rock in the last couple weeks, I thought this would be the perfect time to introduce the yield spread premium (YSP as it's know in the industry) refinance. First lets look at the different players involved in our story. The loan originator is the entity that sells you the home loan. They can be a bank, credit union, or mortgage broker. In the case of bank or credit union, the loan originator will also own your loan as they will be the one's lending you the money. The same is not true for a mortgage broker. A mortgage broker acts a middle man that scours the wholesale loan market to find the best rate. They collect a loan origination fee for their troubles and pass you off to a bank by selling your loan to the best bidder in the wholesale market.

Typically, mortgage brokers will collect a flat fee for originating the loan (around 1% of the loan value on average), but can also make money on the yield spread premium. The yield spread is simply the difference between the rate a mortgage broker charges you and the wholesale rate they lock with the bank. If a broker brings in a loan that is "above market" (e.g. a bank is offering a wholesale rate of 5% and the broker brings them one at 5.5%), the bank will compensate the broker for the additional yield.

Now typically, Frugal Franco does not advocate the use of a middle man as it tends to raise the price of the final product for the consumer, but in the case of mortgage brokers, a well informed consumer can utilize the broker to their advantage. As already mentioned, mortgage brokers are offered wholesale rates as opposed to the retail rates offered by the banks directly to the customer. The savings from the difference in these two rates is often more than enough to compensate for the broker fee, not to mention the fact that banks will also charge a loan origination fee that is higher than many of the more aggressively priced mortgage brokers.

The other reason a well informed consumer can use a mortgage broker to their advantage is by using the yield spread premium to cover their closing costs. Simply tell your mortgage broker that you want to use the "lender credit" from the yield spread premium to cover all (or a portion) of your closing costs and they will quote you a slightly higher rate than if you were to pay for all the closing costs on your own.

The rub in this whole process is the fact that there is no law stating that mortgage brokers must disclose this additional compensation, which increases the "sketchy factor" for the entire industry. In the next article I'll discuss how to become a well informed mortgage loan consumer as well as discuss which fees to cover with the yield spread premium.

Ciao,
Frugal Franco

http://www.FrugalFranco.com -- Raise your financial IQ.

Car Donation Centers Available in San Francisco

Instead of going through the hassles of selling your car yourself you could donate it to a car donation center. These centers are either charities or work together with charities. If the center is an approved one, you will be able to deduct a certain amount of money from your tax return Let us examine some of the car donation centers in San Francisco

Habitat for Humanity in one association which builds homes thought community engagement in partnership with working families. In fact the average price of a home in San Francisco is about $746,000? In choosing this center, you are allowing the homeless to have a roof over their heads.

Car Donation Services or CDS is another association you might one to consider. This car donation center claims that they are able to obtain higher prices from the sale of a vehicle. This in turn would imply that the charity benefits much more from the sale and that you get a greater tax write-off.

San Francisco city chorus is one more car donation center. As implied by its name, this association is concerned with choral classics as well as traditional and folk music. You might want to help them.

The San Francisco SPCA is one car donation center you would like to have recourse to if you love animals. This association is devoted to saving cats and dogs which live in the streets. It also sensitizes people about awareness of the needs and requirements of animals as well as the necessity of having a human-animal bond.

If you choose to donate via Kars4Kids, you might even receive a free vacation voucher for a 2 night 3 day hotel stay. This does in no case impact on the tax deductions or the care given to children. You can thus be rewarded for your donation.

Car4causes in another car donation service that claims that if you deal with them you will be getting higher tax deduction and the charity obtaining more money. According to them, they achieve these results by selling the car through their retail locations rather than through auctions.

Well, you now have a broader idea of the services you might have recourse to. I really hope that you do choose a car donation center instead of selling your car.

For more information about Car Donation San Francisco, feel free to visit us at: http://www.car-donation-land.info/article-7-Car-Donation-San-Francisco.html

Ways To Tap Home Equity

Home equity can be explained as the difference between the fair market value of the home and the unpaid balance of the mortgage and any other outstanding debt acquired on the home. Equity on a home increases with as the mortgage is paid off or when the property value in the real estate market increases by a fair percentage. There are different ways of utilizing this equity in an appropriate manner.

Home-equity loans: Also termed as second mortgage loans, home-equity loans are a popular option amongst homeowners who want to finance a major home renovation, pay down their credit card debt or take a once-in-a-lifetime vacation to any picturesque destination. In this type of loan, the equity on the home is used as collateral. Depending on the equity value, the loan amount is determined. The amount is paid to the customer as a lump sum. A home equity loan is a fixed interest mortgage loan that comes at a higher interest rate than that of first mortgage. It is important to have a good credit rating and a considerable equity of at least 10 percent on the home so as to become qualified for a home equity loan.

Home equity line of credit (HELOC): Also referred to as an open end home equity loan, HELOC works in a similar way to a credit card. The borrower can borrow against the equity in the property a multiple times, depending on his needs and requirements up to a certain limit. This limit on the borrower's line of credit is determined based on the equity on the property. Interest rates on HELOCs are variable. HELOCs have flexible repayment schedules and terms that are really convenient for many homeowners. As like credit cards, home owners can make regular monthly payments towards repayment of the credit. However, if these payments on HELOCs are missed, home owners can face the risk of losing their homes.

About Author: Pauline Go is an online leading expert in finance industry. She also offers top quality financial tips to investor like:
How To Get College Loans With No Credit Required, Pros And Cons Of Construction Loans and How To Get Out Of Debt

FAQ's - Commercial Mortgage Refinance

Have a few questions regarding a commercial mortgage refinance? Few are the most typical questions we are asked on a daily basis.

Timing - will it really take 30 days to close?

No, unfortunately it will probably take longer than 30 day from start to finish to close your loan. 60 days is really the norm on an average deal, though 45 days is doable. 30 days is universally under estimated by banks, lenders and brokers. If someone tells you they can close your loan in 30, they're either a rookie, or just trying to tie up your loan. Which of course, is a really poor way to start off the transaction.

Despite your potential frustration and aggravation on why it takes so long, it better to just accept the process and be as diligent as possible in submitting all of the required documentation from the bank. One of the biggest delays is the borrower's inability or just plan reluctance to provide the required items. Too often the borrower feels justified that the bank is just being overly conservative or to thorough. All this does is simply stalls the process. Once requested, banks rarely back down from needed documentation.

What are the fees?

They're actual pretty much the same across the board. There is normally a 1% bank fee, often lenders will have a processing fee of approximately $1000, appraisal reports range in cost from $2,000 - $5,000 (though it's not uncommon to see appraisals more like $10,000 or more on larger, special use properties), title ranges from $800 - $2000 again depending on the loan amount/state, and a phase one environmental report will cost around $1,500 - $2,000. Some properties like multifamily will not normally have environmental fees or if they do it will be more of an environmental survey which costs approximately $800.

What can I expect for loan programs?

It really ranges widely depending on the deal. Amortization periods range from 15 to 30 years, fixed periods from floating to 30 years, stated income, .8 dcr minimum required, 90% financing, etc. Also, it pays for the borrower to keep in mind that banks can use the same loan program but roll it out it different ways. For example 99% of banks offer the SBA 7a loan as a floating product. However, there are a few that offer this as a 5 year fixed, 25 year amortization loan.

What is a prepayment penalty, and can I get out of it?

Prepayment penalties are fees that borrowers incurs if they pay off the loan, either by selling the property or refinancing the debt, before the agreed upon period. The timing is normally between 3 -5 years with some CMBS lenders going as long out as 10 years. The fee is almost always in the form of percentage of the loan balance, i.e. 3 -5% of the loan amount. In other words if the loan amount is $1,000,000 and the borrower has a 5% pre pay it would cost him $50,000 to pay off the loan early.

It terms of getting out of it, yes it is possible, though the pool of lenders that offer this is greatly reduced. It's probably, and this is a guess, 1 out of a 100 banks or lenders will either outright waive it or more likely ask for an increase in interest rate to justify the compromise. And I'm referring to a new loan. Once in place, you are pretty much stuck (though you could look into a defeasanse or have another borrower assume your loan). We work with a bank out of Virginia that commonly waives all prepay's though their rates are a little high.

What is the application process?

After the borrower agrees to move forward with a bank/lender they will be asked to fill out an application and provide documentation. What is normally requested is a personal financial statement, three years of business and personal tax returns, year to date profit & loss statements and year to date balance sheets. After a full "scrub" of the above by underwriting, the lender will normally issue a term sheet, which itemizes the offer by the bank. Its normally a couple of pages long, and spells out the bigger issues such as rate, amortization period, etc and smaller issues with of course includes a lot of small print protecting the bank. If the borrower wants to move forward they will need to sign the letter and write a check to the bank to cover the appraisal, environmental and sometimes a processing fee.

At this point the loan is officially in process. The lender will engage an underwriter to thoroughly review the funding request and will issue a needs list with additional documentation needed beyond what they already have. The third party reports will also be ordered at this point. Once the needs list has been satisfied, and all third party reports are in the bank will officially approve the loan (or not) and set up a time to close.

It is a good idea for the borrower to be patient and encourage the bank to be as thorough as possible with their preliminary underwriting so you do not waste your time and money on third party reports, as it can be difficult to get a "refund".

248 885-8797 Jeff Rauth is President of Commercial Finance Advisors, Inc out of Birmingham, Michigan. He specializes in Commercial Real Estate Loans between $300,000 - $5,000,000. Offers unique loan programs such as Commercial Second Mortgages, Commercial 30 Year Fixed and 90% non SBA financing, and Commercial Equity Lines. 248 885-8797

View commercial mortgage loans or commercial loan calculator or commercial loan rates.

What is the Timing on Peak Oil Production?

Amongst the many concerns that surround oil production one of the biggest is when the world will reach the point of peak oil production. Some researchers feel that this may be within the next year or two. But a recent paper written in Sweden says that it will more likely not be before 2018. What this means it that the oil production will continue to go along the way it has, though in some places it will increase, until it hits its peak and begins to slowly decline. Obviously it is the declining supply that people are worried about.

This researcher in Sweden felt that one of the things that helped to foretell the future of the oil fields is the few giant fields among them. These huge fields account for a tiny number of fields, only one percent, but together they produce sixty percent of the worlds oil. He studied how the supplies are from those giant fields most of which have been giving oil for over fifty years. He further used other information to work out the peak oil production timing. First he added to his computations any recent discoveries that have been made of new oil sources plus offshore oil production, oil sands and heavy oil finds. He believes that these figures substantiate a slightly longer time period until the oil supplies hit the peak and begin their slow decline.

There are others who believe his facts may be right, but not based on the giant fields he talks about. These are researchers and scientists who still see oil reserves that are not being tapped and feel that the peak oil production date is still several years away. They claim that between the oil available in the Gulf of Mexico, the South China Sea and West Africa there is at least another four hundred and fifty billion barrels to be found on top of current reserves. Those who are concerned about the amounts of oil we use take the more cautious approach warning that next year may very well see the oil supplies peak and that we should be looking to other sources of energy before we run out.

Mayoor Patel is the writer for the website http://www.oil-production.oil-universe.com. Please visit for information on all things concerned with Peak Oil Production

125% Equity Home Loans

If you are a homeowner in need of a home equity loan but you have not yet built up any equity in your home, don't despair. A 125 percent equity home loan may be the answer.

A 125 percent equity home loan is a second mortgage loan that allows you to borrow up to 25% more than the value of your home. For example, if your home is worth $100,000 and you owe $100,000 on the mortgage, this loan program would allow you to still borrow up to $25,000.

The 125 percent equity home loan is offered by various online lenders. Each lender has their own qualification and loan term guidelines but generally this is a credit score driven loan program. Credit score driven means that you have to have a certain credit score to qualify for the loan. In addition, your credit score usually determines the maximum loan amount you may qualify for and the maximum cash in hand you may receive. Also, some 125 percent equity home loan lenders may require seasoning on the length of time you have lived in your home. Three months is normally the minimum.

When it comes to a property appraisal, most 125 percent home equity loan lenders do not require you to obtain one. They generally will use the purchase price of your home as the value if you have lived in your residence for 12 months or less. If you have lived in your home over 12 months, a recent tax assessment, simple drive-by appraisal, or automated value model (avm) can be used. An avm is a computer generated assessment of your home's value which is based on recent home sales of comparable houses in your neighborhood.

For more information on 125% home equity loans, or to compare rates and programs of 125% home equity loan lenders visit http://www.equityloansource.com

Levetta Rivera is a successful mortgage broker and publisher of the following financial websites: http://www.equityloansource.com and http://www.militaryvaloan.com

Remortgage To Release Equity By Improving Interest Rate

You have been paying on your mortgage for quite sometime and you think that your money serves no purpose except paying for your loan. This you already know. The thing you dont know is that there is latent money in your mortgage that needs to be harvested. Now you probably ruminating between mortgage repayments and personal finances, where is the place for latent money? There certainly is! Unbolt these funds by improving interest rates through remortgage.

In 2004, the interest rates on mortgages increased after so many years. There have been speculations, that they will be something between 5.5% and 5.75%. Due to this mortgage has appeared expensive and remortgage has suffered as a consequence. In the current year, the scenario is undoubtedly favourable. With such low interest rates people have gained confidence in remortgage. Remortgage is continuing as a driving force, especially for mortgagers whose mortgage is coming to an end. For most of people remortgage remains a cause of dilemma. Albeit the steadying of the property prices, there will still be general population who will be interested in remortgage. Remortgage will aid to release the equity present in their home.

Lower interest rate offered at remortgage will undoubtedly facilitate the release in equity. You can effortlessly improve interest rate on your mortgage by electing for remortgage. Improving interest rate via remortgage can provide access to money in a shorter time frame. The need for remortgage arises when the original discounted rates with the money lender have exhausted. This customarily results in defrayments. You might need to refresh your interest rates with your mortgage lender.

You can improve interest rate through remortgage if your current lender or your new lender proffer a lower APR. The new remortgage deal with give you access to lower and improved interest rates. Remortgage can be applied for consolidation of debts, paying off outstanding debts and most importantly to rebuild and maintain your credit score. Consolidate your debts through remortgage into one single debt. Debt management at improved interest rates is possible through remortgage.

The most important consideration while improving interest rate through remortgage is taking into account the costs involved in remortgage. Remortgage can prove to be not so beneficial if cost involves are more than you can afford. For homeowners remortgage can be a very doable decision if meditated over wisely. In many cases you current lender will be able to provide you with a considerably improved deal at improved rate of interest if you inquire about it. Getting a remortgage from your current lender will undoubtedly cut the redemption fees on your mortgage. Availing improved interest rates on remortgage from your current lender will negate the need for new evaluation and searches. This will further reduce the remortgage expenses.

Improved interest rates are the primary reason why people want to remortgage. Borrowers often qualify for improved interest rates remortgage simply by their personal circumstances and also by the improved credit rating over the years. One of the cardinal criterions for improved interest rate remortgage is the increase in the equity of the property which is placed for remortgage. The prices of houses have increased dramatically over the last five years leading to large equity at the disposal. Increase in equity takes care of the risk involved in giving a remortgage. Remortgage is secured loan implying that your property or home is placed as a guarantee against the remortgage. Because of the lower risk involved, lenders are offering self certified mortgages at improved interest rates. Self employed borrowers could not obtain a remortgage because the fluctuations in their income could not keep up with increasing interest rates. Now improved interest rates remortgage is accessible by the virtue of self certified remortgage. This enabled homeowners to remortgage at interest rates that were less and regularly lead to raising considerable level of equity that can be put to innovative use.

Improved interest rate remortgage can lead to staggering emoluments over the period of time. Improved interest rates if this is your motivations, then you have to apply for remortgage. There is no limit to the possibilities with remortgage at improved interest rate. We make huge efforts, to save a pound or a two on weekly shopping, but very effortlessly overlook the huge savings we can encase if we opt for remortgage. Mortgage payments are usually our biggest monthly outgoings. Even a small percentage of reduction on remortgage interest rate will begin to add up. It is a myth that you cant save on a mortgage. Dismantle this myth, for once, partake a remortgage.

Amanda Thompson holds a Bachelors degree in Commerce from CPIT and has completed her masters in Business Administration from IGNOU. She is as cautious about her finances as any person reading this is. She works for the personal loan web site http://www.chanceforloans.co.uk. To find a Secured or unsecured loan that best suits your needs visit http://www.chanceforloans.co.uk

Home Equity Loans Redefined Bad Credit!

Even though that home equity loans are not a new concept, lately, they have become more and more popular as people begin to understand their benefits. With such demand, the loan market got filled with new lenders specialized in this kind of loans competing to get a share of the market and offering excellent deals with lower interest rates every day.

Bad Credit is a Drawback

Bad Credit can really be an obstacle when trying to get finance. There are few loan types that do not require credit checks to be run in order to see if you qualify for the loan. Besides, these loans that do not require credit checks, assume that you have bad credit and thus charge exorbitant interest rates.

Bad credit can determine approval or decline when it comes to regular loans, either secured or unsecured. A recent bankruptcy will prevent you from getting almost any kind of financial product. But, if approved, bad credit will also determine a higher interest rate charged for the money you request. A good credit history, on the other hand will ensure you get a lower interest rate.

Risk and Bad Credit

Risk and bad credit are directly related. Bad credit implies a higher risk for the lender and thus he will charge higher interest rates, offer smaller loan amounts and shorter repayment programs. Reducing the risk is the key to obtaining better loan conditions when it comes to loan qualification.

There are different ways of reducing the risk of a financial transaction. Most of them imply improving your credit score and history. But these processes require patience and a significant amount of time in order to show some results. Alternatively, you can request a home equity loan instead of an unsecured loan. The secured nature of these loans provides an immediate risk reduction.

Equity and Risk

Equity loans can be easily qualified for even by those who have a past bankruptcy on their credit report. One would think that such high risk applicants wouldnt be able to get approved for a loan. Yet, as stated above, the secured nature of home equity loans guarantees the lender that he will recover his money one way or another.

Thus, the lender doesnt fear that much a default on the loan. Though he surely prefers timely payments, in the event of default he can exercise his right to repossess the property, recover his money by selling the property and obtain the amount owed from the purchase price of the asset.

Thus, when considering applying for home equity loans you should be careful not to agree to loan installments you can barely afford. It is preferable to pay a higher amount of interests in exchange of getting lower monthly payments than risking repossession of your home. In order to get lower monthly payments you just need to request a longer repayment program.

Kate Ross is a professional consultant with fifteen years in the financial field. She helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and prevents consumers from falling into financial scams.

Visit http://www.badcreditloanservices.com/article/ and get more articles and smart tips on this and other financial issues.