Flagship Financial and All the Benefits of a VA Loan


Those who have served in the military do have certain benefits awarded to them they may only be vaguely aware of. Many veterans have likely heard of Veterans Affairs (VA) loans, but they might not be familiar with all their benefits. They might not be sure of how the loans work. Investigating the value of these loans is definitely advised to all those veterans who qualify.

What is a VA Loan?

VA loans are intended for a very specific purpose. These are mortgage loans backed by VA Department. Veterans or their surviving spouses can be eligible for the loans. Applicants do not apply directly to the VA. Instead, the applications are submitted to lending institutions such as Flagship Financial, which is a lender affiliated with the VA’s program.

The Value of Backing

A loan “backed” by the Department of Veterans Affairs means the lender won’t lose all its money if the borrower defaults. The VA is, in essence, co-signing for a portion of the loan. The amount may be up to 50%. So, if a home goes into foreclosure and $50,000 is owed, the VA may cover a maximum of $25,000 on the loan.

Now, no one wants to default on a home loan or enter into foreclosure. Protection from loss, however, is a solid benefit to have just in case a horrible scenario plays out and mortgage payments cannot be made. More likely, the main benefit is the borrower is less of a risk to the lender.

Reduction of Risk

Since the loan is partially backed and the risk is lower, a loan of this nature could be easier to approve. This is not to infer all loan applications are approved. Other factors weigh into the approval process. However, these loans are tailored to veterans meaning the application is going to be slightly different (and more beneficial) to those who served in the armed forces.

No Money Down

VA loans are issued without any money down, which is a massive plus for those who might not a lot of funds available to them. A down payment is frequently a stumbling block to those who otherwise would like to take out a loan. With a VA loan, that stumbling block is removed.

All About Access

If the benefits of a VA loan were to be summarized into one word, the one word would be “access”. Not everyone’s income level is high or financial background perfect enough to be approved for a traditional mortgage. With a VA loan, a host of impediments are removed from those whose access to funds was previously barred.


The Magical Genie Inside Your Television


Genie in a Television

Blink your eyes a few times and your wish is at our command in the form of great new innovative satellite television excitement! Are you looking to enhance your television viewing experience? If you are than get ready for this exciting news you have all your television dreams come true when this Directv Genie comes into your life. So perhaps blinking won’t transport the Major into the bottle but it will allow you to record ” I dream of Jeannie” in the blink of an eye. It allows you to record a whopping five shows at once. So long gone are the days only being able to record one and you had to have it on the television, so no watching other shows. Now you are lucky as can be with this unique ability to record five shows at once in different rooms and share the programming. Never miss another episode of Dallas if JR is your favorite Ewing!

Don’t miss the game

With the ability to watch and record, the viewer is never left stuck in the room unable to watch his favorite sports team, in fact since he is dad let him watch the game live, because spoilers really stink in a game and record the other family favorites from different rooms. It is important that dad doesn’t get stuck as there is no need to be let down with a Directv Genie on the loose. Dad can even watch one game and record another and switch between them. So while this Genie might not have him laughing like the Genie in Aladdin he is still one lucky man. Be glad you don’t have to get up every time you need to change the channel. It is impossible to go wrong with the Genie! Mom can watch her cooking show, dad two of his favorite sports and even peanut can watch her favorite cartoon. It is a win,win situation with the Genie! So go out and get one today as you will be glad you did. In fact even Fido can watch the latest Lassie just stay away from Old Yeller, he might get nightmares. A dog with bad dreams can be a frightening experience.

Let the fun begin

So what are you waiting for? Get on the blower and get your Genie today. This is an awesome way to share your television services.


Monitoring Security Systems provided by Alarm Relay


Alarm Relay is a company that offers alarm monitoring services for private individuals and businesses that have security systems. Top quality service and assistance is made available every hour of the day. Alarm Relay has been available since 1972. The client information can be obtained under they do not supply the systems, but they provide the monthly central station monitoring.

The services provided are fast, accurate and not just about advanced technology, but services are handled and accompanied by dedicated and talented professionals. The interesting fact is that the company does not just communicate directly with their clients, they communicate with each other to ensure all protection is provided and services provided are guaranteed for a prolonged period of time. The company is known to be accredited with the Better Business Bureau with an “A” rating.

One of the advanced services that are offered is email notifications received and clients are excited about these actions. Clients do receive a call as well as an email when the alarm goes off. Customers do receive an alarm report monthly from their home or place of business. The history reflects what activity the central station received, when it was received and how the alarm was handled. Obtaining the account information is simple. You have the log only information which consists of information about every time the system is armed or disarmed. You can also receive a copy of the month’s history by mail or email at the end of the month. The choice is yours.

Fire monitoring is offered to all The Alarm’s residential accounts. The commercial accounts do receive and require a separate Fire system. Each city and county has different ordinances and it is imperative that the Fire Panels meet the Fire Code requirements set by the local Fire Marshall. The BoldNet Access provides all the customers the ability to access their accounts via the internet. They can view their alarm activity, history, make any necessary changes and print any reports. Cellular monitoring is used as a reliable form of back-up.

The company’s pricing is very simple; it is on an annual subscription basis. Basic monitoring is billed monthly plus a one-time Administration Fee which includes programming the system. The aim is to provide the best low cost security options available. Awareness of all safety tips are encouraged for safety purposes. Knowing how to operate the system during emergency situations or when in a panic mode is recommended.

For all the times when an individual is unable to watch their property and individual presence is not there to deter any intruders, one can always depend on the services provided by the security monitoring company.


Landscape Lighting is Important for Your Backyard Events


Summer is coming and the weather is warming up which means it is time begin hosting parties in your backyard. When the summer evenings are warm, a backyard cookout is a really great event to hold with some of your closest friends.

During your event planning, you need to be ready for when the sun sets on your event and it gets dark. It is important to have the right type of professional lighting in your backyard set up for attractive outdoor lighting. There are several lighting systems to choose from, all equally as attractive. It just depends upon what type of look you want your backyard to have in the evening and later.

Solar Lights
When your guests arrive you want them to be able to see their way down your pathway. You also want your guests to be able to walk around your backyard and you can’t always count on the moonlight to be out. A porch light is effective, but the glare from a bright porch light is not a comfortable or attractive lighting choice. This is why you need affordable solar lights lining your pathways and yard edges. Solar lights are recharged each day while the shines so that they can emit their constant glow at night. The best part is solar lights don’t need ground wiring for them to work which gives you the flexibility to stake them into the ground wherever you like.

Water Lights
If your backyard includes a pool or a water feature pond, adding some floating lights will provide a relaxing glow to most backyard events. LED bulbs allow your water lights to brighten your landscaping and surroundings without using too much energy. LED lights last longer than traditional bulbs and stay cool to the touch which adds an aspect of safety to your guests and any small children attending.

String Lights
String lights also come in an affordable LED option to cut down on electrical costs while still giving you the safe, bright glow for your outdoor event. You can hang string lights from the underside of your table umbrellas and porch awnings so that when the sun sets your backyard comes alive with all of the tiny lights strung above your guests. Another attractive option for string lights with Outdoor Lighting Perspectives is to hang them among some tree branches or stretching across your backyard.

However you decide to illuminate your backyard for your outdoor events and for your landscaping design, a professional lighting designer such as Outdoor Lighting Perspectives can give you the best choices and service.


Basics of Drain Cleaning


Chances are that everyone who is reading this article has experienced a clog in their kitchen sink, toilet, bathroom sink, or shower at some point in their life. These are annoying little events that sometimes can happen frequently requiring a test of our patience to fix the minor issue. There are many reasons why things get clogged up. Most likely, there is a buildup of stuff that has accumulated over time and now water has a difficult time of flowing freely through the drain. This can be a build up of your hair in the event that your shower is clogged, or can be a build up of food in the event that your kitchen sink is clogged. The important thing is to know what to do if you have a clog so that you can remain calm and fix it effectively hopefully avoiding future issues.

First of all determine where the clog is. If you have metal pipes, consider pouring boiling hot water down the drain to see if it’ll unclog with this less obtrusive approach. If this doesn’t work, perhaps try using a plunger if you have one laying around. Remember to use quick and sharp plunges in order to most effectively try to rid the drain of its clog. Suppose the clog is being a bit pesky and those attempts aren’t working. Then pour some baking soda down the drain, making sure to get it as far down the drain as possible. Once you have sufficient baking soda down the drain, pour some vinegar down the drain as well. The vinegar will mix with the baking soda and start bubbling and fizzing. If you are finding that your sink is still clogged, try pouring some laundry bleach down the drain once the baking soda and vinegar has stopped fizzing. Let the bleach sit in the drain for about an hour or so then run some warm water down the drain. Hopefully one of these two ideas works if you have a minor clog, and chances are you have these materials already in your home, so it is nice and convenient.

If your clog is still being persistent, perhaps you have a more heavy duty issue and you can purchase drain cleaner from the store such as Drano to better break down the build up of junk causing the clog. Follow the instructions on the bottle to know how to use the product. These products are inexpensive and also easy ways to solve clogs. If none of the above ideas work, and you feel like pulling out your hair by this point, contact a professional plumber to come in and save the day. Valley Plumbing and Drain Cleaning is your solution. They have extensive experience in fixing both large and small plumbing issues as well as drain cleaning to ensure your pipes are happy. You rely on your drains to effective remove unwanted waste from your home. By regularly cleaning and maintaining your drains, the whole system will work much better. So if you can’t remember the last time you checked up on your drains, perhaps it would be a wise idea to go do some tune up today! 


Filing a Mechanics Lien

Filing a Mechanics Lien

If you are anything like me, you can’t wait to live in a home. My husband and I have been married two years, and our goal is to be able to purchase something in another year, so after three years of marriage. If you are anything like me, you have imagined your whole life growing up what your dream house will some day be. I know that I have sat down dozens of times and drawn out floor plans, thought about decorations, and dreamed about what I’d love my house to look like when I get older.

A great option to get everything you want in a home is to build. That being said, it is important to find and contract a builder who understands your vision. Furthermore, you want someone who is very good at their job and knows what they are doing. Someone you can share your ideas with and know the job will get done right the first time. Someone who values time and makes sure to stay on schedule in as much as they are physically able to. You have your dream home in your mind or perhaps on paper and you need something to physically bring it to life.

Now let’s take a look at the other side of the equation for a minute. Let’s say you are a contractor who has just completed building a home, and unfortunately you aren’t getting paid for the work you have completed. I’m sure this not only frustrates you, but it may be a problem financially since you probably need the money that you were supposed to receive for the project for financial obligations. Fear not, there is hope for you because you can file a Mechanics lien. This means you are gaining a security interest in the title to property you helped to improve.

In fact, Utah Mechanics Lien is a great starting point. Quick Lien is there to help you in this particular situation. They understand that you need to be paid in a timely manner and will help you to get the money you are entitled to receive for your services. It doesn’t matter if the job you completed was for a major construction, a small remodel, electric work, or even just some landscaping they will help you get your rightful payment. Their staff is knowledgeable about the laws governing this particular type of situation and are willing and ready to assist you get the compensation that is rightfully yours for the services you performed. They have even made the filing process efficient so it would behoove you to work with them instead of treading this unknown water alone. You need to make sure the lien is filed properly or else it might not go through. That is where a professional can help. If you are in dire circumstances and need the money ASAP, you can even have this company put a rush on the service and have a resolution a whole lot faster. Hopefully you will never be in this boat, but if you do find yourself in this unfortunate situation, call someone today!


Finding A New Home

Finding A New Home

Mоving саn be ѕtrеѕѕful аt timеѕ, but there аrе ways tо сut bасk оn thе ѕtrеѕѕ whеn lооking аt hоmеѕ fоr ѕаlе. Doing research into whаt hоmеѕ аrе оn thе mаrkеt саn mаkе it much еаѕiеr. The рrосеѕѕ dоеѕ not have to bе оvеrwhеlming; it just takes a little оrgаnizаtiоn. There аrе a fеw major аѕресtѕ tо think about аnd questions thаt уоu muѕt аѕk yourself.

Cоnѕidеring Locations
Thе first ѕtер whеn it соmеѕ tо rеѕеаrсhing hоmеѕ fоr sale iѕ tо рiсk an аrеа where уоu would like tо mоvе tо. Dо уоu wаnt tо ѕtау in thе tоwn or сitу thаt you livе currently? Or do уоu want to move оut оf thе аrеа уоu livе in?

Whеn соnѕidеring locations, there аrе a lоt оf things that fасtоr in. Thеу vary frоm person tо person. Dо уоu hаvе children? Dо уоu hаvе pets? Dо уоu want tо livе in thе соuntrу оr dо you wаnt tо livе in thе сitу? If уоu have сhildrеn, you аrе going to want tо mоvе ѕоmеwhеrе ѕаfе with a gооd school diѕtriсt. How muсh ѕрасе dо you nееd? Do уоu nееd a уаrd? Thеѕе аrе аll questions thаt you muѕt ask уоurѕеlf.

Looking Onlinе
The best раrt оf tесhnоlоgiсаl advances оvеr thе last 30 уеаrѕ iѕ thе аbilitу tо have аll infоrmаtiоn аt your fingеrtiрѕ in a mаttеr оf seconds. Whо nееdѕ a rеаltоr tо tаkе you tо houses, when уоu саn ѕimрlу save time and еnеrgу by looking оnlinе? Find reliable realty wеbѕitеѕ tо look fоr hоmеѕ fоr ѕаlе. Evеrу dесеnt rеаltу website hаѕ detailed descriptions of thе home, рiсturеѕ, аnd infоrmаtiоn аbоut thе area. Yоu саn uѕе thiѕ process to create a ѕhоrt list of роѕѕiblе рrореrtiеѕ thаt уоu аrе interested in. Thiѕ cuts back оn wаѕting timе gоing from hоuѕе tо house.

Onсе you hаvе уоur ѕhоrt liѕt, then уоu саn lооk intо hаving a walk thrоugh аt уоur рrеfеrrеd houses. Gеt intо соntасt with thе rеаltоr аnd set uр аn appointment. Thеу will mоrе thаn likеlу knоw mоrе реrѕоnаl infоrmаtiоn about the house and саn аnѕwеr аnу ԛuеѕtiоnѕ the wеbѕitеѕ didn’t.

Gеtting a Great Dеаl
If уоu аrе оn a smaller budgеt аnd аrе ԛuitе handy аrоund the hоuѕе, thеrе аrе mаnу орtiоnѕ that are deeply discounted since they are “fixеr uрреrѕ”. It соuld bе an affordable way tо gеt a hоmе аnd make it whаt уоu want it tо bе. Kеер уоur еуеѕ ореn to ѕее if there is anything in thе аrеа you hаvе dесidеd tо mоvе tо.

Lооking into homes fоr sale iѕ not rocket science. It саn bе overwhelming, but bеtwееn thе infоrmаtiоn оn the Intеrnеt аnd eager realtors; it should bе аn еаѕiеr process. Gооd luck on finding уоur nеw home.If уоu аrе lооking fоr bеаutiful homes for sale Salt Lake City – check out thе hеlрful services online.


Hoarders: Get Rid of your Junk


The junk inside your house should be the number one priority to get rid of. However, doing so is not that easy since some items might have value to you either monetarily or sentimentally. In addition, there could be some junk which you think that you can still use during certain times. Here are some tips that you can follow to help you decide whether certain items are worth keeping or not.

Identify The Crap
You do not have to do this task scientifically since you can definitely figure out which items in your home are unused, already used, or will not be reused now or later on in the coming years.

Segregate The Junk Items

After indentifying the junk items in your house, the next step should be to segregate them. You can do this by categorizing the items. For example, clothes, books, papers, cables, gadgets, tools, cd’s and dvd’s, kitchenware, etc.
Once you are done segregating the junk items in a categorical way, you should now identify which of the items you think you can still use or has a value to you. When doing this process, you may need to get two boxes for each category. Mark the two boxes with the items’ exact category. Then mark the first box with “items to dispose”, and the second box with “items to keep”. Here is a detailed example of how to do it.
1. Get two boxes for your junk books.
2. Name the first box with books to dispose.
3. Name the second box with books to keep.
In case you are unsure about whether you want to keep or dispose an item, you can get another box and name it with undecided items.

Removing The Junk Items

Of course, the final step is removing the junk items from your home. During this step, you will need a dumpster. There are various dumpster rental Indianapolis companies available these days so it will not be hard for you to get one. However, it is important to check the reputation of the dumpster rental Indianapolis service provider to be sure that it is 100% reliable. It is a good idea to look for a highly-experienced staff that will help you out when choosing the kind of dumpster that will fit your needs. In addition, getting the dumpster rental service from a reputable provider will also allow you to get the best deals with no hidden charges.

Hoarding is definitely not beneficial to the person who is doing it. In fact, this can lead to an unorganized house or lack of space for important items in your home. It is highly advisable to stop your hoarding habit and start removing unnecessary items from your home. Doing this will not only give you a spacious home, but will also serve as treatment for your hoarding problem.


How Much House Can I Afford

How Much House Can I Afford

When looking to buy a new home, it is important to understand all the different fees and costs that are associated with buying a new home so that you know how much you can afford. Individuals get so caught up on the list price of a home, that they fail to take into consideration all sorts of other costs that can affect how much you are truly able the afford.

The first hidden cost is the home inspection. Chances are your home is going to be your largest purchase, so you want to make sure and take all precautions to ensure you are getting something great. That being said, you will definitely want to get a home inspection done. This will cost you a few hundred dollars, plus perhaps unveil anything that needs to be fixed on the home.

The second hidden cost is along the same lines, but is a pest inspection. The last thing you want is pests that can destroy different parts of your home. Make sure you get a thorough pest inspection prior to the purchase of any home. This will cost you anywhere from $50 to about $200.

A third hidden fee is appraisal fees. You will want to make sure any home you buy has been professionally appraised so you know how much you really should be paying for the home. This can cost anywhere from $350 to $400. Although not hidden, since most people are aware of them are closing costs. These fees typically end up being thousands of dollars and are an assortment of costs such as processing fees, underwriting fees, title insurance fees, etc. just to name a few. Even though the actual amount of closing costs can vary you can be safe and assume around 3% of the mortgage loan amount will be charged.

A last hidden fee that people tend to overlook when purchasing a home is any moving costs. Chances are that you aren’t moving down the street and need time and effort in order to move to your new home. Time is money, but also there is a cost to renting a truck or hiring movers to help pack up your home. I know my husband and I are looking to move in a few months when he graduates from college and we might be moving across the country. I am well aware that moving all of our belongings and cars across the country isn’t going to be a small cost. That being said, you need to keep in mind a lot more when buying a home than simply the list price.

If you are well off and looking for luxury homes for sale, then look no farther. So when looking for a new home, keep in mind the list price, and all the little incidentals that might seem small and insignificant, but trust me, they can add up quicker than you’d like and equal a decent amount of money for you to worry about that you may or may not actually be able to afford.