Buying a lift for your wheelchair, whether it be for your home or your vehicle, is an important decision. The most important aspect of purchasing a wheelchair lift is safety. While there are many styles and models available, there are also many pricing ranges. Among the least expensive of all "wheelchair lift" s are used lifts that are being sold, either because the current owner has upgraded to another model, or simply because they do not need the lift any longer. Used items are very popular, but when choosing a wheelchair lift, a used model may not always be the safest and best.Consider first that with a used wheelchair lift you are not getting a warranty. Most manufacturers offer warranties of up to five years on new models, and with a used model, you will not have the assurance of a warranty to help you in case the lift stops working properly. Replacing parts on a wheelchair lift can be very expensive. In fact, if you are forced to replace an electronic motor, you will probably find that a new lift is even less expensive than the motor replacement itself. Purchasing parts are not the only expense that you may face if you opt to buy a used wheelchair lift. Considering that most people do not know how to repair " wheelchair lifts" , then you will probably need a repair person to install the new part. These fees alone can be outrageous. With the purchase price of the new part, and the fees to have someone install it for you, you will likely be better off, and save money, but purchasing a new lift to begin with.Money is only one aspect of the problems that you may have with a used wheelchair lift. Safety should always be your number one concern when deciding on a lift. If you choose a lift that is used, then you have no way to determine how safe the mechanism is. If the motor stops working while the lift is halfway to its destination spot, then you, or your loved one, are stuck on the lift. You run the risk of falling off while you are working to get the lift moving again. There are many things to consider when purchasing a used wheelchair lift. Safety and money just happen to be the two most important aspects of the decision. If you are purchasing a home wheelchair lift for a family member or loved one, or even for yourself, you should consider that this is not one of those things where you would be better off with the least expensive version. You can find inexpensive models that are new, but choosing a used lift has many problems in itself. To ensure your safety, or the safety of your loved one, consider the purchase decision again, and weight the pros and cons of a new lift versus a used one. Chances are you will see that a new lift is not that much more expensive, and the fact of knowing that you and your loved one are safe should make up the monetary difference.
When you are going on a trip to get away from it all and you have a younger child you need to look at it from their point of view. Often preschool age children won't remember a lot about the vacation as they get older, and that is okay they live in the moment and we want to make those moments as happy as possible. A couple years back I took my daughter on a trip to the mountains, we took in a lot of fun things and she had a great time. We even caught a live production of Dora the Explorer which I thought would be the highlight of the trip. Don't get me wrong she loved it and talked about it for quite awhile. She also enjoyed climbing in the mountains and seeing a waterfall, the chipmunks we saw, the zoo, and the tram we took up the mountain. We also played lots of car games so even the riding in the vehicle part of the trip was pleasant. She loves to look at pictures from our vacation and talk about all the fun, but she said we don't have pictures of the "funnest" parts of the trip. I took a look at all the pictures and thought what didn't we get pictures of, I couldn't remember anything special we had done that I didn't have documented on film. When I asked her what the best part was she said swimming in the pool with me, and staying in the hotel room watching television and reading books. That got me thinking, we go swim frequently, we watch T.V., and we read a lot of books all the time, so what was so special about doing it on vacation. I think it was several days of undivided attention, there were no phones or computers or meetings or chores to interrupt our fun. We just got to spend a ton of time together without anyone competing for my attention. Don't get me wrong, we still take in the fun sightseeing attractions when we are on a trip but I make sure we take time to spend a day or afternoon at the pool as well. Never do we try to pack so much fun in that it isn't fun. We also try to plan an overnight trip or two to a fairly close town that has a pool. We just go and relax, swim and spend time together. This is especially fun in the winter when we go to a hotel with an indoor pool. So remember when planning your next getaway, it doesn't have to be fancy or expensive to create lifelong memories your child will appreciate as they grow up.
Tour to Kenya is a part of Eurasian Tours and Safaris, a Tour operator offering safari tour booking and hotel Booking in Kenya. Right-Travel offer tours to the cities, wildlife destinations, adventure destinations, Tanzania Tours, beach destinations in Kenya. You can book wildlife resorts, beach resorts, luxury hotels and hotels in Kenyan cities on tour to Kenya. Travel to national parks and scenic regions of Kenya in East Africa and have an unforgettable holiday with tour to Kenya. Traveling in Kenya at this time is not generally a problem as the roads are good and the bursts of rain are short. Right-Travel.com. Enthusiastic to bringing you all the information you need when planning or looking forward to your vacation or holiday in Tanzania, Kenya Tanzania trip. Kenya Tours, Kenya Travel, Kenya Holiday, Kenya Vacations, Safari Tours in Kenya, Game Safari tour, Africa tour, family tour, adventure tour, Kenya & Tanzania Tour, Travel to Kenya, Trip to Kenya, Vacation to KenyaTour to Kenya offers Tanzania Wildlife Safari, Online Booking for Tours to Kenya Africa, Kenya Safari Tour, Hotels in Kenya, Tour to Kenya Africa,Discount vacation packages for those whose next vacation destination is Kenya. Kenya safari vacation packages at discount prices. If you are looking for a great vacation package. Kenya safari holidays including Kenya camping safaris, Kenya lodge safaris to Maasai Mara, afaris from Mombasa and Tanzania Travel TipsDo you want to enjoy your vacation in Kenya? Come on safari with us in East African countries, Kenya, Tanzania. We specialize in custom Wildlife Safaris and Tours in Kenya and Tanzania. We specialize in custom wildlife Tours and Safaris, car hire, hotel bookings and much more.Kenya Safaris are among the most exciting adventures the world over. The vast wildlife, the many sunny beaches, beautiful island of Mombasa, Malindi, Lamu and Zanzibar. We offer different packages at the coast, in luxury hotels, Game Safari tour, Africa tour, family tour, adventure tour. Kenya Safaris have proved to be a very popular byword in the tourism sector. Following are some of the highlights of travel to Kenya.Guided Safari Kenya9 Day Classic Kenya TourNairobi, Amboseli, Lake Nakuru, Maasai Mara10 Day Kenya Jumbo TourNairobi, Aberdare, Samburu, Lake Naivasha, Masai Mara11 Day Kenya Finest TourNairobi, Amboseli, Samburu, Masai MaraGuided Safari Kenya & Tanzania14 Day Kenya & Tanzania Panorama TourNairobi, Masai Mara, Lake Nakuru, Amboseli, Ngorongoro, Serengeti, Lake ManyaraGuided Safari Tanzania9 Day Best of Tanzania TourNairobi, Ngorongoro, Serengeti, Lake Manyara10 Day Tanzania Classic TourNairobi, Ngorongoro Crater, Serengeti, Lake Manyara, TarangireWhile in Kenya Travel upcountry to the various sight seeing adventures where you will get a chance to tour several national parks and view Kenya's vast wildlife and rich cultural way of life. Learn about the various people groups, their cultures and traditions. Among the wildlife you will see in such Country tour drives includes lions, elephants, cheetahs, Wildebeest , tigers, Buffalos, zebras, giraffes - the list is endless!So ask us! We want your trip to Kenya to be the travel memory of a lifetime. Office Hours: Monday - Friday 09:00 AM - 09:00 PM and Saturday - Sunday 10:00 AM - 03:00 PM; T: (973) 636-6660; F: (973) 636-6668For More Detail:- http://www.right-travel.com
I have come across many note sellers that ignore the advice of being prepared. Properly structuring a note for resale can be the difference between selling the note fast and with little friction as opposed to selling yourself short or worse, not selling the note at all. In order to properly structure a mortgage note for resale is as follows:1) Get the biggest down payment possible. 25% is the Note Buyer's ideal amount in a perfect world although, you can definitely get away with 15% - 20% if need be. Anything under 15% equity becomes very risky for a Note Investor. In the case of a down payment under 14% equity, you will have a very tough time getting a high bid on that note. Anything under 10% down, will unlikely sell at all.2) Make sure you (the seller), pull credit on the potential borrower. 600 FICO score - 700 FICO score would be ideal. Remember; the worse the credit score is, the bigger the down payment you should require! Make sure you keep a copy of the credit report so you may present to the mortgage note investor underwriting the transaction. As far as credit scores, 650 or higher is considered great to excellent credit. 610-649 is good, 609-590 is fair 589-500 is poor and below 500 - don't even bother. Also try to gather D.T.I. or Debt to Income information from the borrower as well. How much money she/he has coming in per month verses what dollar amount is going out per month. A standard credit report will show you what the borrowers monthly bills are. All you need to do after that is get an accurate dollar amount of what the borrower truly makes after taxes. This way there will be no surprises for you or the Note Investor and this will insure you the highest bids out there! 45% is the max D.T.I. ratio you should allow. This means, if the borrower's income is $5,000.00 per month, 45% DTI ratio would be $2,250.00 (5,000 x 0.45 = 2,250.00) in debt per month. The borrower only owes 45% of what they make to monthly debt.3) It helps tremendously if the seller orders and completes an appraisal before submitting the note to a Note Buyer. The reason being, presenting an exact legal appraisal to a Note Investor allows for a more accurate bid, thus a hassle free transaction. This way when the note is underwritten, there will be no surprises on the collateral property whatsoever. This step is not necessary although, by doing this your are drastically increasing your chances of a very smooth note sale.4) Include a high interest rate with the shortest term possible. Meaning, be sure that your borrower can afford the payments at the shortest term she/he can legitimately agree to.5) Try to keep the loan under a 10-15 year payback date. Anything over 12 years usually takes a much steeper discount then say a 10 balloon. The Note Investor generally likes to be out of an investment in 5-10 years. Ideally, if your borrower situation permits, 5-10 is the first choice.6) Include a prepayment penalty based on your states regulations and laws.Please keep in mind; the above information is just a guide. If you have any legal questions about mortgage origination laws in your state, please consult a licensed mortgage broker/banker (in your state) or an attorney. Always be prepared!Knowing this info before hand is the difference between a smooth transaction and a complete nightmare! Good Luck!
Despite rising travel costs, global circumnavigation continues to be a lifetime dream for many Americans. In fact, according to a 2004 National Geographic Traveler/Yahoo Travel poll, two out of three people voted a round-the-world (RTW) trip as the "ultimate travel experience." RTW travel includes stopping in at least three regions and traveling in one direction without backtracking. From college graduates looking for one last adventure before hitting the workforce to families and retired individuals looking to expand their horizons, RTW travel has broad appeal. All you need is some time off and a strong desire to meet new people, learn about other cultures and discover more about yourself. Whether you're currently planning a RTW voyage or are one of the many Americans dreaming of seeing the world some day, below are a few tips for making the journey hassle-free:• Hit the Web to design your dream route. With so many potential places to visit, deciding where to go can be challenging. Luckily, there is a wealth of resources available online to help. A good place to start is perpetualtravel.com, where you'll find a good "RTW 101" travel guide. For a more comprehensive search, check out BootsnAll.com, a leading online RTW resource for independent travelers, offering everything from practical advice and travel deals to inspiration for first-time travelers.• Travel against the clock and arrive at night to fight jet lag. When traveling around the world, you can go clockwise or counterclockwise. Word from the wise-head counterclockwise. Doing so helps alleviate jet lag by tacking on additional hours to the day, ensuring that you'll be better rested to enjoy your journey. Additionally, try to schedule flights that arrive after 8 p.m. local time. People tend to be exhausted when they get off a plane, so you'll be more likely to sleep. • Make sure your fare is fair. When gauging costs, keep in mind that an average 29,000-mile ticket in economy class should cost approximately $0.10 per mile. That means an average fare should run anywhere between $2,000 and $4,000.• Know what you're getting. Traveling via airline alliance partners is the most convenient way to book. However, with multiple carriers for each leg of the trip, you never really know what you're going to get. The good news is that as of October, Air New Zealand will be the only airline to offer RTW service exclusively on its own planes. Not only will the new service provide globe-trotters with RTW travel options at affordable prices, but also ensure they will enjoy consistent quality along the way.• When packing, less is more. Believe it or not, as a general rule of thumb, the longer the trip, the less you should pack. In fact, many travel guides suggest making a list of everything you need and cutting it in half. Bring the basics, including mix-and-match clothes you can layer, and plan on picking things up along the way as you need them. Packing only the necessities will also save room for souvenirs and purchases you accumulate on the journey.