Vendlus

Are you taking a summer vacation this year? If you are, have you already started preparing for your trip? Online, there are a large number of preparation tips available for summer travelers. While preparation advice and tips may be of assistance to you, they are often hard to go by. This is because not everyone vacations at the same location. When preparing for your summer vacation, you are encouraged to keep your destination in mind.

No matter what your vacation destination is, you will need to take the climate into consideration. If you are visiting a tropical location, you will need to bring along the appropriate clothing. Bathing suits, shorts, t-shirts, and tank tops are common appeal found at beaches and aboard cruise ships. While you may be expecting warm and sunny weather, it is still advised that you prepare for the worst. Raincoats and an umbrella may be a great addition to your summer clothing.

Whenever you leave home, no matter where you are traveling to, you are always encouraged to have the proper forms of identification. If you do not have a driver’s license, you can easily obtain an id card from your local county office building. In addition to the proper identification, it is advised that you bring along all health insurance and auto insurance cards. Should you need care or get into an automobile accident; this information will come in handy.

Perhaps, the most popular summer vacation destination is the beach. Each year millions of individuals and families flock to beaches. When vacationing at the beach, it is important that you bring along the appropriate clothing and sunscreen. Many vacationers do not realize the dangers of sunbathing without sunscreen. In addition to sunscreen, you will need to make sure that you have beach towels and plenty of water on hand.

Cruise ships are a popular vacation choice for many individuals and families. If you are taking a cruise, you are advised to start preparing for your trip as soon as you book your reservation. Unlike many other vacations, a cruise often requires a large amount of preparation.

When preparing for your cruise, it is important to keep in mind where your ship will be headed and what stops are planned along the way. When on international waters or traveling to a foreign country, a passport is required. If you do not already have a passport you will need to obtain one. Passports can easily be obtained, but they do require approval. That is why you should apply for a passport as soon as you make your cruise ship reservation.

In addition to going on a cruise or vacationing at the beach, many families make the decision to go camping. Similar to taking a summer cruise, camping often requires a large amount of preparation. The amount of preparation needed often depends on where and how you will be camping.

When camping, you will need to determine where you will be sleeping. If you are camping with an RV, you will need to make sure that it is stocked full of supplies. If you plan on camping outdoors, you will need to make sure that you have your tents ready to go and that all of the pieces are accounted for. If you plan on boating, hiking, or fishing, you will want to bring the appropriate gear with you. Many campgrounds are in secluded areas; therefore, if you forget something, you often have to go without.

For the most part, if you forget to bring along certain supplies you can purchase replacements. The only downside to purchasing what you need at your vacation destination is the price. Many popular vacation destinations have inflated prices. To prevent unnecessary expenses, you are encouraged to check your luggage before you leave.

In addition to the above mentioned preparation tips, you are urged inform friends and family of where you are headed to. If you have developed an itinerary, you are encouraged to give this information to someone that you know. In the event that something happens back home, you can easily be reached. If you have any pets, you will need to make the proper arrangements for someone to care for or feed them.

It cannot be emphasized how important the preparation for your summer vacation is. Preparing for your vacation may seem overwhelming, but if you do your preparation in steps the process becomes easier to manage.

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There are many ways to buy a home, even if you have little or no money to put down. Here are a few of the basics:

1. Sweat Equity

Sweat Equity is a way to get a home by trading work for equity in the house. This could be used for a down payment or for purchase later. This is a great technique if you are handy with tools, yard-work, and paint.

Look for fixer-uppers in neighborhoods you are interested in. Many times these homes will have a hard time selling and the owner is ready for just about any offer. You will find these houses ranging from just needing a little “cosmetic” work like landscaping or painting, to totally trashed out houses in need of some serious renovation. If you are into repairs, this is a great way to get a home for a good deal.

If you are not skilled at repairs and renovation, be careful about fixer-upper homes. They could end up costing you quite a large amount of money to pay others to fix.

I also recommend getting a home inspection so that you know what exactly you are in for before you begin.

2. Seller Carry-Back

Look for a home with an assumable loan. Instead of buying out the owner’s equity, ask the seller to carry back a second mortgage for the rest of the money owed. If you can get the seller to carry all of the rest, you can get the home for no money down.

3. Offer an Object for the Down Payment

Offer something other than cash (land, a car, a boat, or valuable collectibles) to the seller instead of a cash down payment. This is why it is important to listen to sellers. Find out what they want and need. Maybe you have (or can get) just what they need. For instance maybe they wanted to use the down-payment to buy an RV and it turns out that you just happen to have one you don’t need. Offer that vehicle as a down-payment, and it saves you from coming up with the cash.

4. Offer Services for the Down Payment

Offer your services or expertise to the seller in lieu of a down payment. Some examples include $10,000 worth of auto services if you’re a mechanic, dental work if you’re a dentist, desktop publishing services if you’re a designer, artwork if you’re an artist or legal work if you’re an attorney.

5. Foreclosures

Look for foreclosure properties that require little or no down payment. Some lenders and government agencies will let you buy a foreclosure with no down payment if your credit is good and they’re anxious to have the home occupied, or if you have skills (carpentry, landscaping or even painting) that you can use to increase the home’s value. Distressed properties - assume with little or no down to save foreclosure.

6. VA or Other No Money Down Loans

Look for conventional loan programs such as VA or FHA that require little or nothing down. VA loans have helps countless veterans get into their homes. There are often programs available to first time buyers or people who are distressed (such as with Hurricane Katrina) that will help people get into a home with little money down. You usually will have to qualify for the loan with the bank, though.

7. Find an Investment Partner for Equity Sharing

Look for an investment partner who’ll put up some or all of the cash in an equity-sharing partnership. You make the monthly payments and the two of you split the eventual resale profits.

8. Wrap-Around Financing

Wrap-around financing is where you assume a seller’s VA Loan by doing a new Contract for Deed. Since this contract is flexible and does not have to follow the old loan, you can ask the seller to carry not only the loan amount, but the rest of the purchase price of the house, letting you get in with little or no money down.

9. Rent-to-Own or Lease-Option

This is really is one of the best ways to get into a home of your own when you can’t get a bank loan. Remember that you may still have to get a loan down the line. If you have a lease-option for 5 years, at the end of that time, you will need to purchase the house, so you can use the time to fix your credit, or use one of the other options that are discussed in our book to purchase the house at that time. You can always try to negotiate another 5-year lease-option if you need more time. (For more detailed infomation on lease-options, check out our free ebook, “Buying a Home When You Have Bad Credit” at http://I-can-buy.com.)

10. Government and Community Down-payment Programs

There are many community and non-profit organization programs out there to help people get into homes of their own. Many of these do no require any money down.

There are some organizations and programs that will pay for some or all of the down payment for you. Generally these are for lower to moderate-income individuals, but these days that includes a lot of people. You also usually have to be able to qualify for an FHA loan (which is somewhat easier than a conventional bank loan.) If you have been unable to get into a home because you don’t have enough money for a down payment, then maybe one of these programs will be for you.

Below is a list of organizations that have down payment assistant programs:

• AmeriDream Inc.
http://www.ameridream.org

• National Home Foundation
http://www.nationalhomefoundation.org

• GiftAmerica Program (GAP)
http://www.giftamerica.org

• The Nehemiah Program
http://www.nehemiahprogram.org

• New Song Down Payment Assistant Program
http://www.buyers-assistance.com

• Equity Grants
http://www.equitygrants.com

• Realty America
http://www.realtyamerica.org

• Homes For All Program
http://www.ezdownpayment.com

Also check in your local area, because many communities have similar programs of their own.

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