By Bob Downs

When planning travel in Europe or around the world many travelers overlook the cost of cell phone use abroad. Many travelers don’t realize that the cell phone standards and the equipment that most of us use in the USA are incompatible with the GSM (Global System for worldwide Mobile communication) 900/1800 standards used abroad. If your phone does work overseas, depending on your service, you can wind up paying expensive roaming rates plus other hidden charges like VAT taxes and mobile termination fees. One company helps to make cellphone use more affordable, Roberts Rent-A-Phone. With their new lower rates Roberts Rent-A-Phone provides more affordable travel cell phone rentals at everyday rates lower than their competitions discounted rates. Also, they do not add Vat taxes, connection charges, mobile termination charges etc. (more…)

Finding the right lender

Fair or unfair to manufactured home borrowers, most lenders view manufactured homes with derision. We’ve all heard the term —trailer trash—well that’s how most lenders continue to characterize the manufactured home loan. Without owning the land, the manufactured home is pigeon-holed into a high percentage rate personal property loan. Even when the home sits on real property, the stigma persists in the minds of lenders that a homeowner will pull up his 5th wheel, hitch up the home, pull up stakes, and disappear down the road in the middle of the night – leaving the investor, high and dry. Although the portrait being portrayed treads on the side of ridiculous, the real concern for the lender is not only dismissing the above stigma, but how a simple classification of titling can significantly alter an investor’s mentality from “trailer” to legitimate dwelling. (more…)

Proving your home is a HUD Home

Manufactured home loans are very unique in that in order to qualify for a loan, the lender has to qualify more than just your ability to repay the loan and the fact that your home is a good risk based on the value. Manufactured homes have their own checklist of requirements, one of which is proving the home is a HUD home. And the best proof is the THE HUD TAG or LABEL that is attached to the rear of each section of the home. Unlike the textile tag on pillows and mattresses that says DO NOT REMOVE and everyone does anyway. This is the one label you should not remove. (more…)

Our Motorcycle Accident Lawyers Identify the Most Common Causes of Multi-Vehicle Motorcycle Accidents.

What our motorcycle accident lawyers often find in jury selection is that the ordinary juror has the misperception that motorcycle riders are risk takers, and so they come into the case with the initial bias toward the assumption that negligence on the part of the motorcyclist is most likely the cause of the accident. However, according to the extensive research conducted by our motorcycle accident attorneys the most common cause of multi-vehicle motorcycle accidents is the inattention and negligence of the other driver, most commonly an auto driver. (more…)

Most lenders view the manufactured home loan as a “nuisance” loan. No matter what kind of manufactured home you have (even if it has tile roof and drywall interior), you’re going to be lumped into the “trailer” category in the mind of the loan officer. This is just a “loser loan” for him. A lot of work, and not enough commission! Plus there are so many compliance hoops to jump through and the compliance checklist is often daunting to the novice. And for the typical lending office, very rarely do the support staff know what they are doing. The processors don’t even understand the vocabulary much less the fine details, appraisers sometimes submit their data on the wrong form and even underwriters often fail to manage the file properly. (more…)