Comparison Shopping for Home Loans

Many people assume that all home loans are created equal and they simply go with the first loan that they are approved for. The important thing to know when you are looking for a home loan is to know that every loan is different, every lender is different, and every mortgage broker handles things differently. These differences may not seem important when you first start shopping around, but when you get the loan documents and you start looking over the specifics of the offers you will realize that these subtle differences can make a not so subtle difference in the cost of your loan! Many people are in a hurry to get into a home so they simply gloss over all of these differences, but when you do this you could be throwing money away. Do you have money to throw away?

It’s Important to Comparison Shop for Home Loans

One of the most important things that you will do when it comes to shopping for home loans is comparison shop. Just like you would do when you were shopping for the house or shopping for a car or another big purchase, you would want to compare the products that are out there and make sure that you are not only getting the best deal, but getting the product that fits your needs the best. When you fail to do this you may be doing yourself a disservice because you could miss out on a program that is better for your specific needs and you could also save yourself some money, too.

How do you comparison shop? You could do this several different ways. You could simply fill out an application online and request that it be sent to several different lenders. Another way that you could do this is go to a mortgage broker and request that they send out applications to several different lenders or apply you to several different lender home loans. When you do this you are putting your feelers out there to see what you will get in return. It is better to have many offers to look over than just assume that the one offer that you do get is the one that is the best for you.

When you are approved for home loans you should then look over the loan documents or official offers and see what all of the details are. You may notice that when a lender or mortgage broker gives you the details about something they give you all of the good things about it and they do not tell you about all of the fees that they have attached to the loan or all of the fees that the lender has attached to the loan. Not looking at all of these things can literally cost you thousands of dollars over the purchase price of the home, why would you do this if you did not have to?

When you comparison shop like this it will also open your …

Saving Money While Shopping

Everybody has to go shopping. Although many people hate it, especially the men, it is still a necessary inconvenience that must be done. Whether you are shopping for food, gas, clothes, or whatever else you are looking for, in order to get the goods you need, you must shop around for those goods. But you do not just get the first thing you see. If you know what you are doing, you will shop around to get the best bargain for your dollar.

In order to shop to save money you just have to learn to be a smart shopper. Now you may think that clipping coupons is all you need to do to save money. This is only one aspect to it. There are other steps you can take to help you save money on your purchases. In order for you to shop properly, you need a strategy. If you think about it, when you enter a store, particularly a grocery store, you will notice the way the store is laid out. The store delicately lays out the store so you will be enticed to spend money.

When you learn certain secrets and techniques, you will find out how to actually lower your food bill and save money to boot. In order to help you save money on your food bill here are some steps you can take while shopping:

  • Avoid on sale items. There is a reason these items are displayed at the front or at the end of isles. The manufacturers or distributors are paying a lot of money to display their products at these locations. And the store will pass those expenses on to you. So do not think those items are bargains, because in most cases they are not.
  • Buy only what you need. Never go to the store hungry. You will end up spending more than you thought. This is because everything in site looks tempting to you because you are hungry. When you go to the store, go after a meal, especially at night or right after breakfast or lunch. This way you will not be hungry. When you do go to the store, have a list of items you need, and only get those items, nothing else. Have a budget and keep it. You'll save money in the end.
  • Avoid convenience items at all costs. When you go to the store, do not buy convenience items such as prepared vegetables, or pre-made sandwiches. These items are more expensive and are not good for you anyway, considering most of the ingredients are artificial or are processed.
  • When you buy, get them in bulk. You do not know how much money you can save when you buy items in bulk. Not only are you stocking up, but you are also saving money, because most times the store will discount bulk items. When you go this route, be careful. Compare the costs to buying single. Some stores take advantage of the need to buy in

The Importance of Gift Cards

Retail companies find the use of gift cards necessary to gain more customers and customer loyalty. These are given during holidays like Christmas or during birthdays. It is because some people find it hard to find the most appropriate gift to buy. It is the next best thing to do by the gift giver. It would not only save the gift giver time and effort but the giver is assured the recipient will love the things bought from the card given. So instead of giving money, it is best next thing to give.

It is pretty much like a credit card, it has a magnetic strip found at the back part of the card which logs the amount of purchased items. A gift card can be used when someone pays for a specific amount on the card. A $ 1000 worth can go a long way in purchasing items that you wish to buy. It is also pretty much the same as gift vouchers except it is printed on a card instead of paper.

There are many pages in the internet which offer its valuable website visitors a chance to get one. Be very keen in choosing websites which offer free gift cards because there are websites that give out fake cards. Aside from the internet, these are also given out in:

• Accumulated credit card points, most credit card companies issue particular points equivalent to the amount purchased using the credit card. The more frequent the credit card is used, the more points you can get. These credit card companies would delegate a specific amount that would make the credit card user eligible to get one for free.

• Attending trades shows and exposures are also one of the popular ways of getting one. Normally, participating companies in the trade shows give out business and gift cards this would encourage trade show visitors to visit their stores. Sometimes these companies would require a person to answer particular questions and survey forms in order to get one.

• Internet advertisements by different internet companies offer these cards by simply becoming a part or member of their social networking sites. It could be as simple as liking their Facebook fan page or following the company in the Twitter community.

• Checking out blogs of either commercial or personal blogs often give free stuff. When you do blog hopping, you may find several blog contests that give free gift cards as their prize. These are randomly given to blog visitors.

• Look for a website or fan page like Free Gift Card Page to get your gift cards. Various companies create a tie-up with FB fan page like this because all they need to do is to give the cards and let the Fan Page administrator to the marketing. …

Wedding Speeches – Do You Know These Tips?

Wedding speches come in a variety of forms such as wedding speeches for the bridgroom, the best man, the bride's father and others. Wedding speech is an important way to thank the guests, wish the couples, or they can add a touch of humor to the special occasion and make it much more memorable for everyone who is a part of the wedding.

There are no real hard and fast rules for delivering wedding speches. One can write one's own wedding speech or get them written from professionals for adding a classy touch to the wedding. Usually the wedding speech of the bride is one filled with words of wisdom, while the wedding speech of the best man can be light and humorous.

Tips for a Good Wedding Speech

Unlike formal references a wedding speech has to be a relaxed one without any pomposity to it. The speech should have light touches of humor so that the atmosphere becomes lighter. It is always a better idea to prepare the wedding speech two to three weeks before the wedding because an improvised speech can not be as polished as the one prepared in advance.

If one is not very sure of one's writing ability one can take the help of professional writers who can do the job best. All that one has to do is to provide the writer some of the personal information about the families so that they can add that much needed personal touch to the wedding speech.

If it is the wedding speech of the father of the bride or the groom they can include the memories of their children as well as the likes of their children. Parents can also add some lighthearted events that occurred while bringing up their children. The speech by the elderly always comes from experience and hence is full of words of wisdom and their hopes for the bright future of the couple.

The best man's speech can be made humorous by adding some really humorous event that the best man and the groom shared during their friendship. It is also a good thing to mention your hopes for the future of the happy marine life of the couple.

The most important wedding speech is by the bride and the groom in which they can mention their first meeting and share their experiences with the guests. It is important in their speech to thank their parents and the guests who attend the wedding ceremony. The couple then can declare their love for one another. Usually the first wedding speech is delivered by the bride's father. …

Wedding Planning 101: Create a Wedding Planner

Did your wonderful husband-to-be recently "pop the question" and now you are wondering what on earth you have gotten yourself into trying to plan a wedding? Do not panic! I was there once and I remember the first few weeks of having no idea what to do or where to start. Our wedding date was only five months away and I was completely clueless as to what type of ceremony I wanted, what colors I liked, who would officiate, where the wedding would take place, and on and on the endless unknowns went. There appeared to be an intense amount of details to figure out, and time was running out.

Before you do anything, make up a "wedding planner." This was literally the best thing I did and it saved me so much hassle and allowed me to have a beautiful, stress-free wedding day. There are all sorts of lovely pre-made wedding planners available, but I recommend you make your own. Get a 3-ring binder and notebook paper. Title a separate sheet of paper for each month until the wedding. For the last month, make a separate page for each week. For the last week, make a separate page for each day.

As you are thinking of the 1001 things which need to be done before the big day, instead of letting them overwhelm you, write it down in your wedding planner on the appropriate page when you would like to have that item figured out, done, or taken care of. Use these monthly, weekly, and daily lists to help keep you on track. As items are finished, cross them off your list. If something does not get done one month, move it to the next month.

In my wedding planner, I not only had a whole section with these lists, but I kept everything else needed for the big day. There was a section for receipts (I put some clear plastic pockets to hold these in), a section which listed everyone who was involved in the wedding (so no one would be overlooked on the program), and fabric swatches (so we could match the dresses, the flowers, and the decorations). Another section listed all the out-of-town guests, where they were staying, when they were coming in, and if they needed transportation. There was a section for wedding and shower gifts and thank you cards which still needed to be written. As we met with various individuals (florists, wedding coordinator, and so on), I took notes and kept these notes in my wedding planner for future reference. There was also a section which listed all the contact information for the key people / businesses involved in our wedding (from cake decorator to officiator).

Your wedding planner will be different than mine, because no two weddings are the same. Customize your planner to fit your exact needs for your special day.

As you plan your wedding, make sure and take time to enjoy preparing and looking forward to it. Do not …

Some Spicy Women's Lingerie For Man

Women wear lingerie for their man in order to add excitement in the bedroom. That little thong or that sexy corset can work wonders in the sex department. However, women are not the only ones that can wear lingerie. Many companies are starting to offer sexy women's lingerie-for men!

What is Women's Lingerie for Men?

Women's lingerie for a man is exactly what it sounds like. Basically, it is the typical lingerie that you see women wearing but it is made for men. People buy it for their own bedroom fetishes, for male strippers, or as gag gifts. Either way, there is a lot of entertaining women's lingerie for men.

What Kind of Women's Lingerie for Men Is Offered?

There are so many different types of women's lingerie for men, there is probably pretty much anything that you can think of plus there are some custom places. There is a lot of men's novelties underwear that they offer. This includes tuxedo thongs with tail, tuxedo short shorts, sexy tear off bikinis and tear off shorts, animal character G-strings, and other theme underwear for men.

The animal underwear is very popular especially as for wedding presents. They offer a wide variety of animals such as elephants, storks, cock-a-doodle-roosters, bulls, penguins, hung-like-a-horses, rhinos, flamingos, alligators, and dragons. You'd think these would be super expensive but the average price is actually only about $ 20.

Men's thongs are also very popular men's lingerie for women's entertainment! You can get very simple or very creative with men's thongs as well. They offer all of the colors of the rainbow, animal prints, various materials (ie leather or fishnet). Some of them are tear off / clip off thongs or even crotchless; they're very exciting.

A lot of lingerie companies also offer men's bodysuits and exotic play suits. These are good alternatives to typical men's thongs, they're a different type of women's lingerie for men. There are a variety of these too such bodysuits, one-piece tank suits, suspender thongs, wrestler suits, and fetish play suits. In order to appreciate these you sort of need to have a fetish in general. You can find these babies in a variety of colors, materials, animal prints, and styles.

Women's Lingerie for Men Is Hot

Back in the day, no one could imagine that women's lingerie could be made for men as well. Not only is it made but it is getting increasingly popular! If you're looking to add some spice to your bedroom experience, start here! …

Great Mother’s Day Gift Ideas – Top 5 Mother’s Day Presents

Frantically looking for that perfect Mother’s Day gift that will show Mom how much you love her? Want to make sure you retain your “favorite child” status? Need a Mother’s Day gift that will make up for all the angst you caused as a teenager? Forget flowers and chocolates…think creatively with these top 5 Mother’s day gift ideas!

1. Electronics: Many moms are hoping for the latest electronic gadget for a great Mother’s Day gift! With the prices of IPOD Shuffles under $50, MP3 players are super-hot Mother’s Day gifts this year. GPS units, either for Mom’s car or the personal units for the avid exercise enthusiast, are also highly in demand. Many moms are hoping to find a digital camera in one of the hot new colors in their Mother’s Day gift. Cell phones are another trendy Mother’s Day gift.

An HP Printer Mailbox makes a great Mother’s Day gift for the computer-phobic mom or grandma. The Printer Mailbox allows Grandma to receive e-mails and digital photos without a computer! The Printer Mailbox shares an existing phone line, and several times a day – at Grandma’s chosen schedule – it prints out e-mails and digital photos that friends and family have sent. It’s a wonderful way to keep Grandma in the family e-mail loop!

2. Digital Photo Gifts: It’s almost ridiculously easy now to create beautiful Mother’s Day gifts, customized with photos of her loved ones. Gifts range from bookmarks and coasters for under $10, to personalized photo books complete with individualized text, to blankets and purses. Don’t forget about coffee mugs, playing cards, and aprons!

Another great digital photo Mother’s Day gift is a personalized cookbook. With this option, you add your own recipes and pictures/memories. So if your family can’t live without Aunt Laura’s pineapple casserole, or Cousin Lina’s chocolate cake, you can add the recipe to the book, and include pictures of Aunt Laura and Cousin Lina!

3. Experiential Gifts: These great Mother’s Day gifts provide Mom with a memorable experience as a present. Experiential gifts are one of the fastest-growing segments of the gift industry. An experiential gift can range from dinner at a restaurant, a hot air balloon flight, a visit to a spa, at-home cooking classes, scuba-diving lessons, theater tickets, or rock and roll fantasy camp. Experimental Mother’s Day gifts allow Mom to live her dream activity…just make sure it’s HER dream, not yours!

4. Gift Baskets: You can find a great Mother’s Day gift basket in just about any theme these days. Just think of what Mom considers a luxury item…chocolates, perhaps? Is she more of a coffee or tea lover? Would a garden-themed basket be Mom’s perfect Mother’s Day gift? If you can’t decide, go for one of the luxurious gift basket towers filled with chocolates, fruit, cheese, and other snacks. Or splurge on a Dom Perignon gift basket!

5. Outdoor Furniture: Buy Mom the gift of relaxation for Mother’s Day! Is she ready for new patio furniture? Would she enjoy …

Shopping Mall Leasing Strategies for Real Estate Brokers

The leasing of a shopping mall is a specific strategy relative to the location, the property type, the customer demographic, and the landlord. All factors come together to contribute towards a successful leasing outcome and tenancy mix.

It should be said that a successful leasing strategy will contribute towards the greater the benefit of the property. More customers will be encouraged to visit the property and purchase goods or services. On that basis retail leasing is quite special.

Here are some tips to help you with leasing a retail mall in today’s property market:

  1. Understand the vacancy factors that apply to the precinct or location. An excessive number of vacant tenancies will have an impact on market rentals and incentives. Check out the factors of supply and demand that apply within the region. Look for any new property developments that could have an impact on tenant movement and market rentals.
  2. Understand the types of incentives that can be offered by the landlord to attract tenants. Also understand the requirements of tenants when it comes to incentives in today’s market. Any vacancy that you have available for lease needs to be matched to the prevailing market conditions. That will include the rental types, and the incentives offered. The landlord needs to adjust to the prevailing market conditions. Get some details of comparable rentals and other properties nearby to help the landlord understand the packaging of their vacant tenancy.
  3. It should be said that a lease incentive cost should be recovered through the rental structure over the lease term. In other words, any money that is lost or offset in the incentive availability should be recovered by rental growth and escalation across the lease term. You can do this calculation through an assumption of market rentals and a discount cash flow calculation. The net present value of the deal can be compared across the duration of the lease.
  4. Successful leasing executives usually have a substantial database of retail tenants to contact. Any new leasing opportunity can be offered through the database to targeted tenants, anchor tenants, retail specialists, franchise groups, and other industry professionals. Any vacancy can be directly marketed to these groups through cold calling, direct contact, e-mail marketing, and direct mail.
  5. It is acceptable and normal to market a vacant tenancy through the generic media. That will involve newspaper advertising, and Internet listing. There are costs associated with that marketing activity and the landlord should contribute towards those costs.
  6. Most successful leasing transactions occur through the involvement of the leasing executive and direct marketing to the right people. I go back to the point that the database for each broker or agent is quite important to converting more commissions and listings.

It should be noted that any quality property in a good location will create good inbound enquiries. If you are selective with your property appointments and vacant tenancies, you will create more churn and activity in property leasing.…

A Cheap Wedding Can Be Fun

A cheap wedding does not have to be a second-rate affair. In fact, if properly organized and planned, it can be very much a five-star event. Here are some simple tips to save money and reduce the cost of your wedding.

Why not restrict the number of guests to the main event? Starting with the two simple facts that no matter how many people you invite, you will always leave someone out (who will be deeply offended) and also that the further removed people are from you, the more of them there are, it is an obvious solution to reduce the number attending the wedding ceremony to the bare minimum. A suggested shortlist for a cheap wedding would be the mother and father, siblings and best friend of both parties.

Write (or better still, visit) everyone before the marriage takes place and explain what you are doing and why. Spend quality time with each in proportion to how close they are to you.

Church may (arguably) more 'romantic' but a registry office is more practical and is more relevant if you are looking for a cheap wedding.

If one of the guests is an accomplished photographer, get him or her to come along to take the pictures. Save money on hiring an professional photographer.

Organize the reception for later that day as normal but why not make it a bring-a-bottle affair with a funny theme to it? It may not be traditional but the idea is that it is fun and something that everyone can let down there hair at.

Instead of buying clothes that are likely to be worn only once, wear something smart from your existing wardrobe or buy something practical that you can use again. Likewise go for a simple but appealing bouquet instead of hundreds and hundreds of flowers.

Do not get married in June, July, August or at Christmas or Easter as it will mean you paying a premium price for your honeymoon.

When you are purchasing your holiday, see if the price includes any special deals for newly-weds. If not, try telling the holiday company and ask what they can offer. Most companies will be pleased to include a package for honeymooners in return for a few public shots.

When you have chosen your honeymoon location, why not ask for cash presents towards the cost? If you feel it is a little 'too personal' receiving the money yourself, why not ask one of the parents to receive it on your behalf?

Another way of getting a cheap wedding is instead of sending out lots of expensive photographs afterwards and being tied to postcards during your honeymoon, get photos printed by a color laser printer and send them out with a newsletter. Add in a short personal comment to each.

We hope you will have found these suggestions helpful and, even if not, sometimes given you a starting point. This is your big day and what you say should go. Remember the best wedding is …

Six Great Gift Ideas For Friends – Birthdays, Holidays, and Just Because

Giving a gift to your best friend may sound like an easy task at first. You know what she likes and what she likes to do. But since she is your best friend, you may want to give her something extra special. This means that the pressure is on, which can make any gift-giver nervous. But by paying attention to the suggestions below, you can find a gift that shows your friend that you appreciate her.

If you want to give your friend a gift that you can share with her, try buying tickets to an event. Tickets to a play, a sporting event or a special museum exhibit is something that you can share together. The trip to the event is two presents in one; the event itself and a special memory for you both.

Some gift ideas will depend on gender. For women best friends, treat her to a relaxing day at a spa. You can even book two massage appointments and make it a trip for the both of you. Spending time together will be an added benefit of giving this type of gift.

If you and your friend are both male, a day spa trip may not be up your alley. In this case, you can book an afternoon at the golf course, a hunting weekend or a day of fishing as a present for your friend. Golf courses or tennis lessons are a gift that a best friend of either gender would appreciate.

You can put a spin on your friend's favorite books, movies or television shows by buying special memorabilia. You can find items such as props, posters, scripts and autographed items on online auction sites like eBay. Make sure to set a budget for your spending so you do not pay too much for the item. It can be tempting to keep raising the bid to get the memorabilia you really want, but try to stay within your budget.

Another great unisex gift idea is food. Everyone loves food, and you can make a food-related gift personalized by zeroing on your friend's preferences and tastes. If your friend loves sushi, give her a cookbook and a sushi starter kit. If barbecue is more her style, a selection of specialty barbecue sauces is a perfect gift. Gourmet chocolate is a great idea for a friend who has a sweet tooth. Food related gifts are always appreciated, and they can be very easy to buy.

If you'd like to get your friend a personalized gift, you can create a collage of your friendship that they'll be sure to appreciate. Collect pictures and other memorabilia from the times you've hung out, trips you've taken together or events you've attended. You can make a scrapbook of your time together, or buy a wall collage that will hold all of your photographed memories.

No matter what kind of gift you choose to give your best friend, she will appreciate the thought you put into the gift. Keep in …