Tuesday, June 30, 2009

Privacy Policy

This website/blog uses third-party advertising companies to serve ads when visiting this site. These third parties may collect and use information (but not your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, you can visit Google's Advertising and Privacy page.

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Privacy

I respect your privacy and I am committed to safeguarding your privacy while online at this site. The following discloses how I gather and disseminate information for this Blog.

RSS Feeds and Email Updates

If a user wishes to subscribe to my RSS Feeds or Email Updates (powered by Feedburner), I ask for contact information such as name and email address. Users may opt-out of these communications at any time. Your personal information will never be sold or given to a third party. (You will never be spammed by me - ever)

Log Files and Stats

Like most blogging platforms I use log files, in this case Statcounter. This stores information such as internet protocol (IP) addresses, browser type, internet service provider (ISP), referring, exit and visited pages, platform used, date/time stamp, track user’s movement in the whole, and gather broad demographic information for aggregate use. IP addresses etc. are not linked to personally identifiable information.

Cookies

A cookie is a piece of data stored on the user’s computer tied to information about the user. This blog doesn't use cookies. However, some of my business partners use cookies on this site (for example - advertisers). I can't access or control these cookies once the advertisers have set them.

Links

This Blog contains links to other sites. Please be aware that I am not responsible for the privacy practices of these other sites. I suggest my users to be aware of this when they leave this blog and to read the privacy statements of each and every site that collects personally identifiable information. This privacy statement applies solely to information collected by this Blog.

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Tuesday, June 2, 2009

Rent to Own Homes

If you've been wanting to purchase a house but didn't have the good credit to get a mortgage or you didn't have a sufficient down payment, then you might want to consider rent to own homes. Rent to own homes is a great way for people interested in home ownership but not quite ready to take the plunge and get a loan. The process of rent to own homes works as follows. The seller of the house will act like the lender. The buyer and seller of the house will discuss a final purchse price at the end of a certain amount of time. The buyer will typically put down a down payment towards the house and then make monthly rent payments to the seller. A portion of that rent will go towards decreasing the agreed upon purchase price of the home. When the time is up for the buyer to pay the final purcahse price of the rent to own homes, the buyer will have to get a mortgage on the home or find some other means of paying. Many investors also use rent to own homes method to acquire many houses.

How to Find Rent to Own Homes

Rent to own homes are slightly harder to find than homes sold through traditional means. However, during the housing slump, when many home owners are desperate to dump their homes, rent to own will certainly be an option they have to consider. Rent to own homes can work out well for both parties. The buyer doesn't need to get a mortgage immediately and the seller can get some money for their house quickly.

To find rent to own homes, you can use for sale by owner websites such as craigslist or any other website that you like. Even if the owner is not listing their house for rent to own, you can still bargain with the owner and bring up rent to own homes as an option.

Bargaining for Rent To Own Homes

When bargaining with the seller for rent to own homes, there are many ways you can bargain. The process of bargaining for rent to own homes is similiar to bargaining for any home you're wanting to buy. The few differences lie in the fact that there are more options for you to bargain when acquiring rent to own homes. You can try to go for a lower down payment, a lower monthly rent, or a lower final purchase price. You don't have to bargain on price alone. Try to bargain on other material things such as that big screen tv they have. Have the owner throw that in the pot to sweeten the deal.

Signing the Contract for Rent to Own Homes

When you draw up the contract to rent to own homes, be sure all specifics are spelled out. Write out what the down payment will be, the monthly rent that you'll be paying, and the final purchase price. Drawing out a well written contract can save you alow of headaches later when things turn legal.

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