Category Archive : Real Estate

The effective composition and construction of a laminate floor makes it one of the easiest flooring options to care for and maintain.

One of the most effective ways to keep laminate flooring clean is to understand its limitations. Although laminate is a tough material that won’t stain or scratch easily, there are certain elements that could significantly damage your laminate floor. Puddles of water, abrasive cleaning solutions, and wax are some of the things that can damage your laminate floor and cause it to lose its finish. Additionally, rearranging furniture and pets with uncut nails can also scratch the laminate surface. Therefore, it is important to protect your laminate floor from these elements to ensure high durability.

It is important to keep the laminate floor free of dirt and other impurities; therefore, you should clean it with a dry cloth or vacuum it regularly. However, one of the most common problems people face is getting dirt trapped between the seams of laminate flooring. Therefore, it is recommended to mop or sweep in the direction of appearance to ensure that no dust or impurities are trapped in the middle. You can also mop the laminate floor with a damp mop from time to time to restore its shine. However, excess moisture can cause the laminate to swell, so it is important to be careful when scrubbing the floor with a damp cloth.

In the event that you spill heavily staining substances, such as wine, coffee, or orange juice, onto your laminate floor, you should immediately wipe it off the floor. To remove those stubborn stains, you can use acetone-based solutions, such as nail polish remover, on the laminate. However, such chemical-based cleaning solutions can discolor the laminate, so it is important to first test the cleaning solutions on a hidden part of the floor.

Another effective cleaning idea for your laminate floor is to use a solution of vinegar and warm water. This is an inexpensive and natural way to remove tough stains from your laminate floor. For maximum effectiveness, you can use this solution by spraying it from a bottle and cleaning it with a mop.

In case of scratches or dents on your laminate floor, you can purchase a touch-up to maintain its finish. A typical touch-up kit would consist of filler material or crayons and colored pencils. When used properly, such a touch-up material can easily hide damage to your laminate floor and can maintain its finish and durability.

With a little care and effort, it’s easy to make sure your laminate floor looks like new for a long time. Laminate does not require a lot of maintenance and care and therefore some people prefer it to natural wood floors.

Copyright 2010

If you think you have a good credit history, but have never checked it, you may be in for a nasty surprise. It’s not just keeping your payments and being responsible for your loans that affects your credit score, there are some ways it hurts you that really impact you. Here are ten of those surprising things that could bring your credit rating down on a few points.

1. Have a business credit card

If your employer has given you a business credit card, that could be affecting your personal credit score. Most of the corporate cards are now in joint name and that means that you are jointly and severally liable for the credit. It also means that if your business pays your bills late, it will affect your credit rating.

2. Using your debit card to rent a car

If you pay a deposit on a rental car with your debit card, the car rental company will likely run a credit check. Each credit check taken will take one point off your credit score.

3. Paying a parking ticket late

Nobody likes to get a parking ticket and we like to pay them even less. That’s why so many people leave it until the last minute to pay them. If you leave it too late, the debt will be transferred to a debt recovery company and that will affect your credit rating.

4. Take out the “buy now, pay later” credit

The incredible deals you can get on furniture, where you pay nothing for twelve months and then are interest free for the next three years, could also hurt your credit score. It appears you have a maxed line of credit against which you are not making any repayments for a year.

5. Forgetting to retrieve a book from the library

Even something as simple as a fine for a library book could show up on your credit history. If you forget to pay a library fine, local authorities are also quick to pass it on to a debt collection company, and that will lower your credit score more points.

6. Waiting for the reminder letter about utility bills

Gas and electric companies are pretty quick when it comes to late payments. If you make a mistake and stop paying them for a long time, you will receive a letter from a debt collection company and that will mean another blow to your credit score.

7. Prepayment of a loan

Even paying off a loan early can hurt your credit history. When you pay off a debt early, you save some of the interest, but it may seem like you didn’t pay off everything you borrowed.

8. Insufficient use of a credit card

Lenders want you to use credit wisely and manage your debts responsibly. If you have available credit but never use it, you still use some of your available credit and there is no history of your ability to manage credit if you never use the credit that you have available. It is better for your credit rating if you use a credit card and pay the balance monthly.

9. Ask about loans

Asking too many loan inquiries or obtaining loan quotes will also lower a few points on your credit score. In fact, any strict credit checks done on you will lower your credit score over a two-year period, and that also includes taking out new mobile phone contracts.

10. Dispute an item on your credit card

If you dispute an item on your credit card statement and your lender takes the time to do their research, it will remain unpaid debt in your name and could still hurt your credit score.

Mr. Jay Shafer is the responsible genius who came up with the idea for Tiny Houses! His company, known as Tumbleweed, is part of the tiny home movement. In 2002, he co-founded the Small House Society in Iowa City, Iowa. In 2003, Gregory Paul Johnson commissioned him to build The Mobile Hermitage, which became one of Tumbleweed’s first commercially sold homes.

When did Tiny Houses start to flourish?

It turns out that during the Hurricane Katrina disaster in 2005, Marianne Cusato built 308 square feet. foot hut constructions for the homeless victims and small house movements flourished.

Want one? What to do next?

Identify the square footage you will need. Visit local pre-fab buildings to get an idea of ​​what your minimum requirement is or rent a Tiny House for a weekend to take an appraisal and experience your practical life inside a Tiny House. Then start brainstorming and planning your setup and storage needs. Slowly but surely, you will begin to form your image of the interior of your Tiny House.

A prefabricated building of 320 m2. foot is enough to make it comfortable and the transition from large to small is a breeze. Some even include all appliances and HVAC systems. All you need to do is pay for the building (approximately $ 35K), plus tax and transportation. Another alternative is to contact a builder of your choice.

You should also research state laws and the requirements for these tiny houses. A good source of information is the American Small Home Association.

There are several different resources and websites that sell blueprints, workshops, existing real estate for sale, or even rentals. So these little houses are here to stay for a long time and a definitive solution to not paying the mortgage for 30 or 40 years.

Get creative inside tiny houses

Imagine yourself inside a Tiny House and exactly what you are waiting for to feel comfortable. Let’s entertain our thoughts right now … think about having enough kitchen cabinets, maybe a slide-out pantry, a small stove with oven, enough counter space to prepare food, a small sink, cabinets for your bedroom, and where to squeeze in your washer / dryer combo, oh … and don’t forget about your bathroom amenities. Do you want a loft-style bedroom or on the same floor? If you have a loft, how will you want your staircase? Will you have storage space under or inside your ladder? As for your living room area, get creative to save space with a small sofa with drawers or storage underneath, perhaps a drop table for eating or working with a laptop and continue to work on all your ideas by jotting them down. Then, with all your ideas, prepare a floor plan and include measurements.

There are many small-scale furniture ideas that save floor space. Sofas with storage drawers, corner desks, floating desks, folding tables with drop leaves, storage trunks, folding beds, beds that slide out or up and down from the ceiling and many more. The truth is, whether inside a Tiny House or not, these are also great space saving ideas in small apartments, small rooms, sunrooms, bedrooms, guesthouses, studios, and even studios. Many innovative and creative ideas come to life every day from different sources and all because of the need for them. Very well said by Plato “necessity is the mother of invention”.

Last but not least: a reality check

I recently read an article “Dear People Who Live in Tiny Houses – Medium” by Lauren Modery where she wrote this article on Tiny Houses and mentioned some harsh realities of living inside a Tiny House that weren’t that great, but the truth is that depending on however many square feet your Tiny House purchases, these could be customized to be very comfortable and efficient. You’ll enjoy lots of great experiences, like being able to take off whenever you want to travel, enjoy mortgage freedom, pay very low utilities, and receive a bill for less property taxes. Without a doubt, a great blessing!

But in the end, it all comes down to planning wisely, staying within your budget, and making sure your expectations are met.

Reus is located in the northeast of Spain on the Costa Dorada. It is a historic city with a number of interesting places to visit and when you need to take some time there are a wide variety of bars, restaurants and shops.

Reus airport is just 2 km from the city and about 80 km south of Barcelona on the CN-420 road to Tarragona. From Reus train station there is a daily train service to Barcelona that takes about 55 minutes.

The best way to explore Reus and its surroundings is by car. It is easy to drive to located near the Autopista del Mediterráneo, which is the main north-south highway along the east coast of Spain. From the highway you just have to follow the T-315 that goes directly to Reus. If you are approaching from western Spain, drive on the main highway E-90 and join the N-420 in the direction of Baden.

Reus is probably most famous for being the home of the famous architect Antoni Gaudi, but it has no examples of his work and the best modernist creations are by Lluis Domenech I Montaner, which include the Pere Mata Institute, Casa Navàs, Casa Rull and the Gasull House.

Reus has stood out for many centuries for the production of wines and spirits (especially brandy). Other products include olives and hazelnuts. A recommended tour of Reus begins in the Plaza de Prim with its beautiful Fortuny Theater along Calle de Monterols to the Plaza del Mercadal with the modernist Casa Navas that still preserves all its period furniture, coffered ceilings and lamps. The Plaza de Sant Pere has a 16th century Gothic church with an octagonal bell tower from whose top you can see the entire Costa Dorada.

In the old town of Reus you will find the Gothic church of San Pedro (Antonio Gaudí was baptized here on June 26, 1852) and the Prim-Rull Museum. The Reus Tourist Office offers scheduled excursions to buildings generally closed to the public and free entry to the Salvador Vilaseca Museum and the Museum of Art and History with paintings and drawings by Maria Fortuny and Joan Rebull.

In June Reus celebrates its most important festivals with live music in the squares every night and street entertainment such as the Castellers, the famous towers made by men. Once you have seen the main attractions that the city of Reus has to offer, you may consider a day trip to Tarragona, Salou or Montblanc.


Tarragona is a very full day of tourism. It is located just 15 km from Reus on the N-420A, C14, T11 and A7 motorways. It is the capital of the Costa Dorada, perched on a hill overlooking the Mediterranean Sea. Tarragona has a large number of tourist attractions concentrated in a small area.

It was invaded by the Romans in 218 BC. C. and most of the monuments that make up the cultural heritage of the city were built during the Roman occupation, including the amphitheater, the aqueduct and the Tower of Scipios. The Roman wall was built in the 2nd and 3rd centuries BC, leaving a good part of it together with three towers from the same period.

Its imposing Romanesque-Gothic cathedral has one of the best cloisters in Spain dating from the 13th century. Nearby are the archiepiscopal palace and the archaeological museum. You will find almost everything of interest within the walls of the old city. The most important street is Las Ramblas that leads to a great viewpoint called Balcón de Europa that dominates the lower part of the city and the fishing district of Serrallo.

Tarragona is a port and commercial center that exports some of the best Spanish wines that are produced in the nearby Priorat region. Also the Carthusian monks who were expelled from La Grande Chartreuse in France in 1903 settled in the city and still produce their famous chartreuse green liqueur.


It is only 10 km west of Tarragona and 10 km from Reus city center via the C14 and C31B motorways.

Salou is quite dispersed and merges with the neighboring towns of La Pineda to the east and Cambrils to the west, all of them with clean sand beaches and secluded rocky coves. Salou is also packed with entertainment for all ages, including water sports at a water park, go-karts, and Universal’s Port Aventura, which is a huge theme park inspired by Florida’s Busch Gardens.

The Salou seafront has beautiful gardens and parks with fountains that light up at night. It offers lively entertainment with a number of British-style clubs, bars and pubs.


It is a medieval city just 30km from Reus on the C14 and N240A highways. Montblanc a former residence of kings and knights and is the place where Saint George reportedly killed the dragon. In the town there is a sign that commemorates the writing.

The duchy of Montblanc was created by King John I in 1387. In the Middle Ages, Montblanc had its own fairs and markets and a notable Jewish community. It preserves two thirds of the original 15th century walled enclosure, towers and the Sant Jordi and Bover gates and was declared a monument of historical and artistic value in 1947.

The majestic Gothic church of Santa María with its Baroque façade has a stone altarpiece dedicated to Saints Bernardo and Bernabé. You can also visit the churches of Sant Miquel from the 13th century with a Romanesque façade; the church of Sant Francesc and the church and hospital of Santa Magdalena with a Renaissance cloister.

Tenants have busy schedules. On a typical day, they take the kids to daycare, go to work, run to run errands during their lunch break, and juggle extracurricular activities and meetings. Since there is so much going on, they may have forgotten to pay the rent. on time, allowing them to miss the deadline. Although this is a common situation in rental housing, this can be avoided. The latest rental payment system will not only benefit a property rental company, but its tenants as well.

Here are 4 good reasons tenants opt for online rent payment systems:

1. They can pay their rent online 24 hours a day, 7 days a week

There are many problems when it comes to collecting rent by mail. Some tenants pay late, their checks bounce, and landlords have to physically cash and go to the bank to deposit or cash the checks. That said, one of the best benefits of paying rent online is that tenants can pay at their convenience. They may be too busy to send them or just forget to send them. Online rental payments allow you to pay by the due date, plus they don’t get lost in the mail. This payment system helps tenants avoid late payments, including late fees. This will benefit both the tenant and the owner.

2. It’s easy to track rental payments online

Typically, tenants incur additional fees, rental charges, or some charges in their utility payments. When they have access to online tenant portals, they can use a rent collection software application to check their payment history and see what they paid, when they paid and how much they owe. Property management companies should be able to keep track of these too. When they use the right software, they can have access to all transactions, allowing them to view outstanding balances to remember how much to pay and when.

3. They can pay the rent from anywhere

All property managers have tenants who are difficult to contact. They may be working shifts or they may be traveling frequently, making it difficult for them to get to the leasing office in time to pay the rent. When tenants have a hard time keeping in touch or remembering to mail their check every month, their rent is likely to be late. When tenants use online rent payments, they can pay their rent on time even if they are in a different time zone.

4. They make fewer mistakes

Businesses that are linked to an online rent payment system allow tenants to see how much they owe and if there are any unusual deposits or fees on their account. Property managers can view the rental payment history of their tenants. Accounting is simpler as your accounts receivable list is well organized. Whenever tenants pay, they transfer information from one party to another. When this process is executed digitally, almost every stakeholder in the industry benefits from it. Having an online rental tracking system minimizes the chance that both parties will make a mistake. This, in turn, will make tenants feel more satisfied and financially secure.

For a variety of reasons, at some point, most people decide that the time is right to sell their home. Since, for most, the value of this home is their main financial asset. or one of them would not make sense, when this time comes, you will be more aware of some real estate realities and proceed, with a better understanding, of a variety of relevant factors, especially pricing decisions. How your home is priced up front often has significant ramifications! Wouldn’t it make sense, to better understand, as many relevant factors, as possible, to avoid the tendency to either overprice, undervalue or simply list your home – correct? With that in mind, this article will attempt to review, consider, examine and discuss what this means and why it is important.

1. Price too high: One of the age-old challenges is the conflict between what a homeowner believes, what their property is worth, and what qualified potential buyers believe and / or are willing to pay. When a seller overvalues ​​his house, he takes a risk, obtaining the best possible results, because, in many cases, the best offers are received, within the first weeks, after a house is listed, on the real estate market. Whether out of greed, optimism, wishes / wishful thinking, or not realizing a listing of a sale price, they are very different entities, this approach rarely works. In general, there is a lot of competition and for which lenders do they appraise the properties and unless they line up, few houses are sold!

two. Price too low: The risk of listing a home, too low, is disconnecting some potential buyers, because, they feel / believe, there must be something wrong, if it is being offered, so cheap! There is a fine line between offering something at the lower end of the market, compared to, significantly below that point!

3. Fair prices, correct !: The listing price for which a home is initially offered should depend on the existing local housing market. Since this varies, from region to region, state to state, and neighborhood to neighborhood, and even sometimes depending on the specific block and location on the block (corner, mid-block, adjacent properties, etc. .), one should hire a qualified real estate agent, to serve and represent them, and their best interests! The price range should be determined by having a professionally prepared Competitive Market Analysis, or CMA, guiding the process. The unique needs and personal situation of an owner are important factors in determining where, in that range, the best listing price is.

Obviously, the best way and approach to price your home for sale depends on a variety of factors, conditions, needs, and priorities. However, when the initial listing price is fair, correct, rather than too high or low, your results will generally be better!

The assets you own can be transferred to your chosen heirs or beneficiaries after your death in one of several ways. If the particular asset is owned by you and someone else, such as a residence you own jointly with your spouse with right of survivorship (JWROS), the property will automatically pass to your spouse upon death. Assets can also pass through a beneficiary designation, such as in a death transfer or a death payment account with your bank. A third possibility is that the property goes through the probate process, either in accordance with your will or (in the absence of a will) in accordance with intestate laws.

A fourth means of transferring ownership of your assets is through a trust agreement, such as a revocable living trust. This method offers a number of advantages as a component of choosing an estate plan. A well-designed trust agreement can be the vehicle through which your assets are transferred after your death. Additionally, the trust may include detailed instructions on how your designated successor trustee should manage your assets in the event that you are unable to manage them yourself. However, to take full advantage of the benefits of a trust, you must first deposit your assets in the trust.

When your estate planning attorney comes to financing your trust, he is talking about placing your assets in the trust. Let’s look at some basic principles related to this important but often overlooked aspect of creating a trust as the basis of your estate plan.

What is important to finance the trust?

A well-designed trust agreement is nothing more than an empty shell and of little or no value to you (the settlor) or your intended beneficiaries, unless you actually own your assets. If you die before placing your assets in the trust, those assets are likely to be subject to the probate process (unless they are in the possession of JWROS or agree to the beneficiary designations. You will immediately be subject to the management and control of your chosen successor trustee.

Should I transfer all of my assets to my trust?

Not necessarily. It is true that many of your assets must be transferred as soon as the trust is created, including assets such as the following: your personal residence; stocks, bonds, and mutual funds that you own in your own name; checking / savings accounts and certificates of deposit; personal property and collectibles; business interests, such as shares in owned corporations, partnership interests, and member interests in limited liability companies; and your intellectual property rights, such as patents, trademarks, and copyrights. An important aspect of establishing your trust should include a comprehensive review of all of your assets with your estate planning attorney to determine which of those assets should be transferred to the trust.

Why not transfer all my assets to the trust?

There are some categories of assets that should not be owned by your trust. For example, individual retirement accounts, pension plans, and 401k accounts should not be owned by your trust. A transfer from such retirement plans to your trust may well be treated by the IRS as a taxable distribution of the entire account and thus trigger an unwanted tax liability for you. In general, you would do well to remember that estate planning with regard to retirement planning is a complex issue that you should discuss with your attorney.

If you own a second home, either as a rental property or as a vacation home, you should also carefully consider whether it is advisable to transfer that property to the trust. Is this property subject to a mortgage that includes a “maturity on transfer” clause? If so, your lender may consider a transfer of the property to your trust as a trigger for your obligation to repay the loan in full. Again, this is an area to discuss with your estate planner.

How do I transfer those assets that must be deposited in my trust?

The answer here is: it depends on the particular asset being transferred. You would transfer your residence to the trust by filing a waiver claim deed in the real estate records in the county in which the property is located. So, for example, if you are the sole owner of the real property, you (being the grantor) would transfer the property to “yourself as the trustee of the [name] Trust “, as the grantee. You should be careful here not to simply title the property in the trust’s name. A transfer to the” John Doe Trust “may not be recognized as legally effective; instead, the transfer must be to” John Doe, Trustee, of the John Doe Trust under agreement dated January 1, 2001. “

Your checking accounts, savings accounts, and certificates of deposit can be transferred to your trust by requesting your bank to provide you with the appropriate signature cards, which will then need to be signed by the current trustees of your newly created trust.

Will I need new checks made out to the trust?

Most likely, you don’t have to do that. Changing the title of your checking account to the trust’s name should have no effect on the account holder’s name printed on their checks.

How do I transfer stocks and mutual funds that I own?

Assuming your stocks and mutual funds are held by your broker, you will need to instruct your broker to change the title of your personal accounts to the name of your trust. This may involve completing a new brokerage account application. Your broker may ask you to provide evidence of the existence of the trust, in which case you will need your attorney to draft a certificate of trust that you must sign as the settlor.

If you have original stock certificates for a publicly traded company, you may need to open a brokerage or investment account in the name of your trust and then deposit the original stock certificates with the brokerage or you may need to contact the agent designated transfer fee. by the corporation that issued the shares and follow their instructions to change the title of the shares to your trust.

What if I own an interest in a partnership or limited liability company (LLC)?

You must transfer the interest of your partnership or LLC membership to your trust by means of a written assignment of interest signed by you and acknowledged by the managing partner or managing member of the LLC. You should first review the operating agreement of the governing company / LLC to ensure that the agreement does not preclude such a transfer.

Do I need to title my car and RV in the trust’s name?

Although you can transfer the title of your personal vehicle (s) and / or RV (s) to your trust, it may be preferable not to do so. If you are in a car accident, the fact that your vehicle is titled in the name of your trust can make the injured party believe that you have a lot of money, which encourages a lawsuit. We recommend that you separate a high-risk asset (such as your vehicle) from your lower-risk assets.

In short, using a revocable living trust as the basis of your estate plan will allow your assets to be distributed after your death without going through the probate process. Having a trust will also allow your chosen successor trustee to manage your property while you are incapacitated, thus avoiding the need for a costly court-administered guardianship or conservatorship process. However, to fully reap the benefits of a trust, you must properly fund your trust. We recommend that you use the above guidelines as the basis for a comprehensive review of your assets and a discussion with your estate planning attorney.

© 10/23/2017 Hunt & Associates, PC All rights reserved.

Some people are hesitant to pay their rent online. Why do this when you are used to paying the traditional way? Now that I think about it, there are some benefits to paying rent online. Landlords now offer tenants online payment schemes, giving them the opportunity to better manage their finances, relieve stress, and improve their credit standing. Take a look at the following benefits:

Build credit using credit reports

Tenants get several advantages by improving their credit situation. This can allow them to have a lower interest rate for car financing or large purchases, and it may even help them buy a home one day. When you pay your monthly rent on time, which is probably your biggest recurring payment, it can have a positive effect on your credit situation.

However, they don’t need to download an app or share their bank account details with another provider. There is a more convenient way. Most landlords give the opportunity to report their rent payments directly when they pay their rent online. They don’t have to do anything else. This is a simple, safe, and effective way to build your credit.

Minimize stress by using automated recurring payments

Online payment schemes make sure tenants pay their rent on time, improve their credit score, and avoid late fees by sending constant reminders via text and email. What’s even better is that most of these systems offer automatic payment options that you can set and forget about. Autopay allows them to pay on time, at all times, and therefore there will never be any late fees.

Maintain an active lifestyle using mobile payment options

When tenants receive the payment reminder via text message while on the go, what should they do? It’s as quick and easy as one click to pay online using a mobile-friendly website or payment app. Most solutions allow payments anytime, anywhere, accommodating tenants wherever they are.

Take advantage of more flexible payment schemes, like Paypal

Sometimes renters don’t have enough funds in a given month, or they can try to get a free plane ticket, but they need more points on their credit card to get the miles. They can benefit from the flexibility that online payment offers. By using their credit card, they can add more points, set up bank withdrawals, or use Paypal.

Reduce the chances of check fraud and theft

Many personal and bank account details are printed on checks, which are easy to reproduce. Paying bills online minimizes the paper trail and the risk of a check or information stolen.

Have easy access to payment history

Among the best benefits of paying online, which are often overlooked, is the visibility and accessibility of your payment history. Tenants can log in whenever they want to see their current bill and payment records in real time. They can get your payment information anytime, anywhere.

Paying rent using the online bill payment option saves a lot of time and effort, while also providing additional benefits such as credit reports. If some tenants haven’t tried this payment scheme yet, it’s time to take advantage of it.

The Foreclosure Letter is one that must be written by the owner and sent to the mortgage company asking them to avoid foreclosure. This is the first communication form on your behalf. You must understand all the problems you face and their reasons. The financial excuse serves as the correct excuse. The company considers your case fit for a “job” only on behalf of this letter.

Examples of foreclosure letters:

Letter sample n. 1

Jack smith

911 Anywhere Street

Somewhere in the city, state 12345

Telephone: 123789234, [email protected]

Adam Jones

Some municipal lender

911 Anywhere Street

Somewhere in the city, state 12345

Loan Number: 1125647 Loan Modification


Dear Mr. Jones,

I am requesting that you give me the opportunity to modify the loan as I am falling behind on my mortgage payments.

The cause of the lapse route is the sudden death of my wife. I was pretty well employed and her death cut my income in half. Also, I couldn’t pay much attention to financial problems due to the emotional setback. I guess I won’t be able to pay the full mortgage in the current monthly payments. I intend to pay them but I don’t have the resources.

Please grant me a temporary reduction or suspension of payments only for a few months. I will balance finances in this time frame. I ask you to help me, as this house has immense emotional value to me. Therefore, I insist on saving foreclosure. Kindly let me know about all the possible options available ASAP. I am eager to reach an agreement and would appreciate a prompt response.

Yours respectfully

Jack smith

Jack Smith Signature

Loan No .: 1125647

Address: 911 Anywhere Street, City of Some Where, State 12345

Phone: 123789234, [email protected]

Letter sample n. 2

Mona jones

911 Anywhere Street

Somewhere city, state 12345

Telephone: 123789234, [email protected]

Shalga morne

Some municipal lender

911 Anywhere Street

Somewhere in the city, state 12345

Loan Number: 1125647 Loan Modification


Dear Mrs. Morne,

I hereby apologize for the default on my mortgage payments. Suddenly I lost my job and I cannot manage income. I ask that you consider my case to resolve it.

The factory where he worked accidentally caught fire. Now the owners have declared bankruptcy. Since the last 2 months, I have not received my salary. I’m trying to get a job elsewhere, but they need some papers for legal matters. My employers have not yet issued those documents. Therefore, I cannot look for work. The crisis would be resolved in 2-3 months.

I ask that you consider my case for a temporary reduction or suspension of my payments only for a few months. I’ll get back on track right now. I am eager to avoid foreclosure. Please help me with all the applicable options for the same. I am eager to reach an agreement. I will wait for the earliest reply.

Yours respectfully

Mona jones

Mona Jones Signature

Loan No .: 1125647

Address: 911 Anywhere Street, City of Some Where, State 12345

Tel .: 123789234, [email protected]

Looking for a new circular saw? I am. I have a cheap old one that I bought at Home Depot about 10 years ago and has almost had it with my torture. So now I am looking at my options for buying a new circular saw. Am I going wireless? How much will I use it? What do I need it for? How Much Power Do I Really Need On My Circular Saw?

I spoke to my brother Joe about it. He is a contractor in Buffalo, New York and a huge fan of DeWalt tools. He always looks for the best quality in his tools. Joe said cordless circular saws are good for when working on a roof or in places where access to power is limited or no power. When it comes to strength, Joey says that the newer cordless tools have almost the power of corded tools. Almost, but not quite, and certainly not if you use them to cut framing pieces all day. Joe has a worm gear and a regular circular saw. Take out your Skil HD77M worm drive circular saw when you need to get through the big stuff. But when he’s going to mow 2×4 all day, he uses the lighter DeWalt 368K. And for ceiling cutting, use your DeWalt Wireless DC300K with a NANO battery. Joe said he got into NANO technology because it’s very cold in Buffalo and he wants the reliability of lithium-ion batteries, which will perform just as well in cold temperatures. And the best thing about them is that DeWalt NANO batteries are compatible with all of your DeWalt cordless tools.

Hmm. But what kind of circular saw do I want? While I am not a contractor, I am an avid DIY hobbyist who has a good job as a tool blog editor. Yes, I get a huge discount on the high-quality tools sold on the Toolking Superstore and of course I’ve been taking advantage of that! (cheeky plug; 0) Seriously though, even if I didn’t get the discount, ToolKing has the lowest prices, especially if you go for the refurbished versions (trust me, I’ve checked). The ToolKing secret (for all ecommerce wannabes) is that they buy in very large amounts from companies like DeWalt and Makita and that leverage gives them a better price, which they then pass on to your customer, aka: you.

Anyhoo ~ back to buying my circular saw.

Wired versus wireless

I am debating whether to go for a corded or cordless circular saw. My husband and I bought the smallest and most horrible house in our neighborhood, so we are in the middle of remodeling almost our entire house. Because we both work full time, we remodel in streaks. Our circular saw just screwed us up on the last project. We were framing an outdoor patio with 6×6 for laying pavers. Poop, it was our circular saw, he had had enough. Like I said before, it was old, cheap, and from Home Depot. Okay, maybe we were pushing a bit on the 6x6s, but who doesn’t push their tools to the limit of what they’re supposed to be used for? Especially homeowners, who typically don’t have the large selection of tools that a contractor would have, or don’t always have the ‘right tool’ for the job (the right tool for this job would have been a circular saw with a Prazi cutter attachment. beams).

After a bit of discussion, we decided to go for a corded circular saw or a lithium-ion battery powered circular saw because we often spend several weeks or months between projects. When we need to use the circular saw, we want to use it now. Lithium-ion batteries have a long life, which means that they will remain charged even if they sit on your garage shelf (in the cold) for several weeks. They are also extremely light. So if we go wireless, we will go for the lithium-ion cordless circular saw. Makita makes a nice LiIon circular saw and you can get one with the purchase of their LXT700 18v LiIon combo kit. However, the LiIon circular saw included in the LXT700 kit has a 6-1 / 2-inch saw blade, not a 7-1 / 4, which is what we are looking for.

I walked into the Toolking store. The ToolKing store has a great setup, Doug and the guys have redesigned the whole layout so now you can tap and hold all the tools. I love that! You can really get an idea which one you like best because when it comes to options, there are plenty of high-quality tools available, but which one feels best in You hands? Most contractor circular saws have a powerful 15 amp motor, magnesium casing (for lightness and strength), at least 45 degree beveling ability, and excellent safety features. Personally, I need to take each one as if I am using it, and check the position of the handles for comfort and how good my line of sight will be with the blade.

These are the circular saws that I compared:

1. I took the DeWalt DW368K. Lightweight at 9.5 pounds, it’s tough enough to withstand a 1-story drop. The DeWalt DW368K also has a 56 degree bevel capability.

2. The Makita 5007FAK is a bit heavier at 11.1 pounds, but it does have this LED light on board and a ruler on the footrest. How many times do you work in a room with the light on your back?

3. I am a huge fan of the Bosch company for everything I have learned about their power tool recycling program and other proactive environmental projects. The most interesting feature of the Bosch CS20 (10.3 lb) saw is its direct connect cable management system. The Bosch CS20 has no cable, you plug in the power cable. So you never have to deal with replacing the cord or throwing your tool away because the cord has broken. The Bosch CS20 also has a blower at the front that blows sawdust out of your way as you cut so you can see where you are cutting. The Bosch CS20 also bevels at 56 degrees.

4. Then there was the Porter-Cable 324MAG. Super lightweight, the 324MAG weighs 9.6 pounds. Of the circular saws I looked at, only the Porter Cable brand had an exhaust port for a vacuum attachment, a nice feature for working in the garage or around the house.

5. Milwaukee manufactures the Tilt-lok 6394-21. It’s the most expensive of the bunch at $ 175, but it features a unique Tilt-Lok handle that’s probably more adjustable than I am. The Tilt-Lok on the Milwaukee 6294-21 adjusts to 8 different lock positions, making it easy to work at angles and overhead. The Milwaukee circular saw also has a 10 foot Quik-Lok cord for easy cord replacement and with a 3 horsepower motor it works just as hard as my Polish carpenter dad.

A good circular saw should have enough power to cut wet wood without slowing down or dangerous kickback. A good circular saw should also be lightweight and durable because you will inadvertently drop it to the ground. You should choose a circular saw based on balance, maneuverability, and how you feel when you hold it. Good luck!