Hundreds of Millions In Michigan Unclaimed Money

Michigan is home to a lot of pop culture icons- the 'Motown' music label, Madonna ( hailing from Bay City), Diana Ross ( a native of Detroit), Eminem, Stevie Wonder, Bob Seger... the list of topnotch musical artists goes on. It's also home to the automobile capital of the world- Detroit, affectionately known to natives as Motor City (hence the term 'Motown') and 'The World's Cereal Bowl'- Battle Creek, MI which is homebase of the Kellog's company. Certainly, a lot of assets essential to American culture have come-out of the 'Wolverine State'. There are lesser-known assets in the state that even most residents don't know about though- hundreds of millions of dollars in Michigan unclaimed money! These monies are just sitting-around in the Michigan Unclaimed Property Department instead of in the pockets of the owners of the lost financial assets.

According to the State Treasurer's office, "The Michigan Department of Treasury has millions of dollars in lost or forgotten assets from dormant bank accounts, uncashed checks, valuables left in safe deposit boxes and stock certificates. Because these properties were considered abandoned and unclaimed by the bank or company entrusted with them, they are turned over to the state, as required by law. The Michigan Department of Treasury is the custodian of these assets and returns them to their owners (or the owners' heirs) when they are rightfully claimed. "

Homes Michigan

The owners of Michigan unclaimed properties may have forgotten about their assets while moving to another city or getting new jobs. This is quite common in the fast-paced lifestyle we are all living now, and leaving behind things like forwarding addresses is quite common. Consequently, mailed checks and notices often don't reach the addressees and are returned to the sender (the IRS or businesses and financial institutions) where they stay until the 'dormancy period' passes, and law requires that these properties be turned over to the state. In Michigan this period is 5 years for most unclaimed funds.

All residents and former residents of the state should do a search for unclaimed money in Michigan- with hundreds of millions of dollars up for grabs, the odds are good that they may be owed money. It's quite surprising whose names have come-up on the missing money list. Aretha Franklin, Marshall (Eminem) Mathers, and even Domino's Pizza magnate Thomas Monaghan's names have showed-up on the Michigan unclaimed property owners list.

Since it is a 'custodian state', there is no time limit for Michigan unclaimed funds to be claimed. In a report on MI unclaimed property by ABC's WZZM 13, the Michigan State Department of Treasury's Gonzalo Llano said "The funds stay here forever until they are claimed by either the property owner or their heirs should the property owner be deceased," But don't you think the lost money would be more comfortable snug in their owner's pockets than dumped in some cold, dingy State general fund? Learn how to perform an exhaustive search, and locate all possible Michigan unclaimed money owed to you now!

Hundreds of Millions In Michigan Unclaimed Money

explication for Gutters Draining on Sidewalks, Patios and Drives

Sidewalks, patios and driveways pose special problems for gutter drainage. Many times the roof produce of the house requires a downspout in an inconvenient location. In colder climates water from gutters draining onto a sidewalk entranceway can be hazardous as the water will frost making a slip-and-fall hazard. Draining the water into a flower bed between the house and the walk is not an choice because the concrete or brick pavers will act like a dam, holding water against the basement wall and contributing to wet and leaking basements. A Cross Sidewalk Drain (Csd) is designed to carry away rainwater from down spouts safely and discreetly over the sidewalk, driveway or patio.

Think about your rain gutters as a total "system". Start by making sure the gutters are clean. You don't need me to remind you that cleaning gutters twice a year is a must. The spring cleaning, after the seeds and helicopters come down, is the most important. Many seeds float and quickly make their way to the downspout where it will become clogged in no time. The spring cleaning, after the seeds and helicopters come down, is the most important.

Prefabricated Homes Michigan

Three to four foot extensions are needed at the lowest of the downspout. The lower elbow should be about sixteen inches above the ground to ensure good slope for drainage. The ground or grade colse to the house must allow water to drain away from the foundation. Rain barrels can also be used to catch and store rainwater. There is a fitting at the lowest of the rain barrel so a coarse organery hose can be attached letting you use the water as needed in your flower or vegetable gardens.

Now you can take on the task of draining rainwater under and away form areas where there is pedestrian or car traffic colse to your house. "Cross Sidewalk Drains (Csd)" come in some premade styles and sizes. The most economical Csd is a tough polypropylene trough and grate and is accepted for most pedestrian applications. Heavier duty Csds with of polymer concrete trough and a metal grate cover that is installed over the walk or drive will give a flush, safe covering to walk or drive on. (Aco Markant is one builder of Csds http://www.acomarkant.com/ )

Do not use pipe or irrigation tubing because these will finally become clogged and there is no way to clean them. Animals such as rats will use them for a home. The metal grate on a Csd can be lifted for cleaning and because it open to light and air rodents will find it an unattractive place to make a home.

If you are working with an existing sidewalk or patio it will need some concrete or paver block cutting. The heavy power tools needed to make clean and exact cuts are ready at your local tool and equipment rental store. Make sure that you have adequate slope on the Csd so the water will drain properly under the sidewalk. A French drain or a rain organery may also be needed on the opposite side of the walk too.

A concrete or brick paver undertaker of a package deal will also install Cross Sidewalk Drains but as always, make sure your undertaker of a package deal is licensed and insured.

explication for Gutters Draining on Sidewalks, Patios and Drives

Affordable Housing - Small Modular Homes Are a Steal

The term "affordable housing" sometimes carries a stigma. It's gotta be cheap, right? No, not necessarily. If you're looking for a potential new home at a bargain price, try the modular home solution.

A modular home is comparable to the mean site built/stick built home in quality, style and appearance but is in actuality a pre-built home. Pre-built means that a good measure of the home is built in the facility then delivered to the construction site. And, with a modular home, there is assembly required at the site.

Modular Homes

A Modular Home is not a artificial Home

There is a clear contrast in the middle of a pre-built modular and a artificial home. artificial homes are not considered stick built or site built homes. They have their own classification as a mobile (on wheels) home. As such, they don't receive the same value as a primary stick (or site) built home.

So, if it's a real home you're looking for at a bargain price, look closely into modular homes. It could be the best time in years to do so.

Bargain Seekers, Diy builders & Owner Builders

While even a convention home construct could be adapted and made by a modular home company, I would not regularly advise anything who truly wants a higher end convention home to go this route. There are exceptions, but I have found that modulars are best fine to the do-it-yourselfer and the owner builder. Very often, both of them are looking for bargains.

What Makes a Modular an Affordable Home?

Here are some of the cost advantages of construction a modular home.

Shorter construction Time: The shorter construction time regularly equates to lower loan costs which is a big savings. Less Onsite Labor Required: You'll pay for facility labor but your on-site labor will be much, much less and the savings adds up. Buying Power of Manufacturer: This allows the home buyer to get more potential for less money. Special Deals Being Offered: Try to find the modular companies who are offering discounts because of the slow economy.
Researching Modular Home Companies

Start by studying all you can about modular home companies and how they operate. Here are some foremost questions to get answers for:

Do they have delivery charges and how are they determined? Do they contribute any labor or assembly on site? Do they know of local builders that are well-known with their stock and assembly? What are their buyer aid policies and procedures? How many house plans do they have and can you ask for modifications? Do they have a local representative to deal with? Have they been beloved by your local construction authority?
Getting Started

With the slow economy and construction industry, a modular home can offer a great solution and many companies are offering very aggressive deals. It could be the best time in many years to be shopping for affordable housing.

Start by Googling modular homes, modular, pre-built, and pre-built homes. Visit the websites of several modular home companies and try to find one that is within 500 miles (1000 max.) Check out their array of home models and then list the companies that seem to offer what you want.

Prioritize the list and narrow it to three to five. Then begin calling them. There is no substitute for talking to them. Home construction is too big a project to cope just by online information and email communications.

Modular Homes could be the fastest and least high-priced Owner manufacturer home construction project. Check it out!

Affordable Housing - Small Modular Homes Are a Steal

Foundations and the contrast between Modular Homes, artificial Homes, Or mobile Homes

It can be confusing to tell the inequity in the middle of a manufactured home, mobile home, and/or modular home. They can be very similar in appearance, and on top of that, many people use the terms interchangeably. So let's try to clear it all up and get a good definition. 

What are manufactured Homes?

Modular Homes

A manufactured home is any factory-built home in the United States that is built conforming to Hud Title 6 construction standards (commonly known as "the Hud-code"). The Hud-code was implemented and took corollary starting June 15, 1976. A Hud-coded home will display documentation called the Hud Certification Label and the Data Plate. The red Hud Certification Label (sometimes called the "Hud Label") can be settled on the tail end of each portable section of the home. The Data Plate will be settled inside of the home. A manufactured home is also built on a permanent chassis to ensure transportability. However, typically a manufactured home is not moved from its first installed site. The home can then be settled on Hud permanent foundation. This is what an expert engineer (like us at Foundation Certifications) inspects and certifies when we visit your home-site. 

What are mobile Homes?

A mobile home is similar to a manufactured home, in that it is a factory-built home. However, it differs in that it is: 1) built before June 15, 1976, and 2) not built to any uniform construction code, along with Hud, since the Hud code didn't come out until June 15, 1976. 

What are Modular Homes?

A modular home is any factory-built home that is constructed to a local (City or County), or state construction code. In most cases, a state will have adopted one of the uniform construction codes (i.e. Ubc, Irc, etc.). Modular homes will not have the red Hud Certification Label, but will have a different label (often called a "Ubc Label", or similar) attached to the home stating the code it complies with. A modular home can be built as an "on-frame" or "off-frame" modular. On-frame will be built on a permanent chassis, whereas, the off-frame modular will be built with dismissal of the chassis frame in mind. An off-frame modular will normally need added cranes to assist with home placement. Modular homes are, usually, only attached to inexpressive land, and not typically installed in manufactured (mobile) home parks. 

Foundations and the contrast between Modular Homes, artificial Homes, Or mobile Homes

"Depreciation" and artificial Homes As an speculation

There is a long standing reliance that all man-made homes (what many used to call "mobile homes") will "automatically" depreciate once it is purchased. While it is true that man-made homes have lost value from their preliminary purchase price, this is not historically a given. There are many examples of man-made homes which have appreciated (gained) value. It should also be noted that site built houses, gain - or lose - value for similar reasons that man-made homes do - as the new sub prime mortgage meltdown has underscored.

Let's take a brief look at the factors which cause that gain or loss of value.

Modular Homes

Many are well-known with the old real estate adage, "location, location, location!" The location of the home has a immense impact on its value. Let's use an analogy to account for this example.

Having lived in the Houston metro area, fantasize a mansion from the River Oaks district being located in Houston's Fifth Ward. What would happen to that mansion's value? It would drop like a rock! Even a gorgeous home, set in an older, blighted area will lose a lot of value. The reverse could happen too. If an older "challenged" home from the Fifth Ward and could magically find its way onto a site in the River Oaks district, it would immediately be worth more - just because of its location.

The episode is, what is the man-made home's proposed location? Is the location upgrading, or going down? "The great the location, the more likely the value is protected."

Next is the condition of the home. If you have a accepted site built house that is run down, is it any surprise that it is worth less than a site built house that has been well maintained, where the asset has been landscaped, and where improvements are taking place? The same is true for man-made homes as well!

If you don't enunciate the man-made home, over time, similar things will happen to it that would happen to a site built house that isn't maintained. Now, if you take a neglected man-made home (or a site built "fixer upper") and it is purchased "right" and then repaired and upgraded, what you will have is a home that will often sell for more than what it originally sold for when it was new! Why? Because as building materials cost rise, the value of older housing (manufactured or site built) that is maintained or brought up to standards will go up too! So if you buy a pre-owned man-made home, and do the same things that a site built home owner would do, you will touch similar results.

Many are surprised to learn that studies done by the largest insurer of man-made homes, foremost assurance Company, reveal that Mhs appreciate for the same reasons and at similar rates to site built housing. But there are "caveats." Is the Mh in a good location? Is the home well maintained? someone else factor of course is the local shop conditions - a booming cheaper will naturally improve values, just as a slumping cheaper will hurt values. One must also point out that when there is a glut of repossessions on the market. That fact will hurt the Mhs value, just as a glut of foreclosures on the shop hurt the value of site built houses.

The "bottom line" is that Mhs can be a very good investment in and of themselves. But let's step beyond the appreciation/depreciation issue, for just a few moments. Let's look at someone else analogy - one that I'm a little hesitant to make, because one shouldn't correlate a Mh with a car or other vehicle. But let's do it for just a moment, to make an foremost point.

Millions today lease a car. They know that their car will depreciate, and they want to use as little of their money for that car as possible. The rest of their money that would have gone towards a higher car payment, they may spend for a good rate of return, or to have more fun, etc..

So, stop and think of the comparison! What if you spend your housing dollars in a home that costs 1/3 to 1/2 less than a comparable site built house! Why not take the money you save, and spend those funds! Thus, you still have the advantage of living for less, and have the advantage of earning money on the money saved in housing costs! Even if your house lost value, what you may earn on the money you save could very well originate an thorough great lifestyle!

Take it a step further - because the man-made home has a lower purchase price, and lower taxes, if person pays off or buys a home outright, then the money saved in mortgage payments and on taxes vs. A accepted house could be used for savings, investment, travel, charity - a host of clear possibilities! These are just some of the advantages of man-made homes as an "investment."

In short, depreciation in man-made homes are neither clear nor is it necessarily a tragedy if it does occur. What's needed are the facts and a good plan. With the right information, you can make a housing decision or investment that will yield a host of possible benefits, from lifestyle advantages, to financial ones, less stress and beyond.

"Depreciation" and artificial Homes As an speculation

Modular Log Cabin Homes - retention The Look, Losing The Drafts

There is something completely charming about the rustic look of a log cabin. But who would beyond doubt want to build or live in an authentic log cabin? If you could get the look without having to worry about chinks in the dried mud between the logs letting the cold air, and who knows what else in, you can, and without having to hire an authentic woodsman to build it for you.

You can buy a modular log cabin home. Because modular homes are built from "building blocks" or modules produced in clean, climate-controlled factories, their capability is assured. The modules of a modular home are beyond doubt 4' X 8' rectangles with plumbing, pipes, wiring, insulation, and all the appropriate cutouts or knockouts.

Modular Homes

When a home's modules have been completed, they are delivered to the homeowner's construction site, where a foundation will have been dug and poured. Because so much of the work commonly handled by a construction crew on a customary construction site has been eliminated, a modular home can be completed and ready for its owner to move in in a mater of weeks.

Modular homes are available in every unbelievable architectural style, together with log cabins. But modular log cabin homes are cut by computer controlled machines so that their modules fit seamlessly together, and the chance of wind whistling though the chinks in their walls is nonexistent. Modular log cabin homes may not be as uncomfortable as authentic log cabins, but they will looks like them, even if the face logs are not the real thing.

Getting That Log Cabin Look

Building a modular log cabin home from real logs is not feasible. Half-logs, however, can be attached to the outer walls of the modules when they have been delivered from the factory; but this is a time-consuming job and will add indispensable bulk to the ended home.

The most common technique for creating modular log cabin homes is to use faux half-log siding, which is roughhewn wood sheets with embedded log slices to look as if logs stacked on each other.

As much as you may like the look of a hand built log cabin, construction a wooden log cabin faultless with notched logs and mud tabby sealing the gaps is not the best way to keep the wind and rain off you. Modular log cabin homes are designed to satisfy your pioneer tastes, without depriving you of your taste for comfort.

Modular Log Cabin Homes - retention The Look, Losing The Drafts

5 Tips To Buy Cheap Repossessed Modular Homes

If you are tired of renting an apartment, or spending thousands of dollars on that condominium unit you can't own, then count yourself among the rest of humanity that finds safety in owning something. Owning a home, after all, has its advantages: you have a place to call your own, and you don't have to worry about paying the rent, or suddenly not being able to pay it because of an unforeseen event.

There are many options to reconsider when buying a home of your own. If you move colse to constantly and need to take a lot of things with you, then you may want to reconsider repossessed modular homes. Modular homes are yesterday's movable homes, fitted to meet today's demanding work atmosphere.

Modular Homes

Can repossessed modular homes be for you? To understand the advantages of repossessed modular homes, it would pay to know the history of movable homes. After the second world in the middle of the twentieth century, prospect ran high, but budgets were low. Artificial homes and housing projects burgeoned, allowing families to spend less when buying a house.

With the coming of technology and the need to tour to make a living, these Artificial homes were fitted with wheels, making movable homes a respectable way to own a house. Repossessed modular homes have their own advantages, and if you are interested in owning repossessed modular homes, then study how it can be good for you.

1. Repossessed modular homes are plainly modular homes that have been taken from their owners, repaired and refurbished, then set out into the world again to be sold. This means that repossessed modular homes have been fixed and inspected for possible defects. They are never sold unless they are deemed to be fully functional.

This means that if you buy repossessed modular homes, you will not have to worry about repairs, or if they will break down once you start using them. This also means that you need to worry only about the things you have to put in them.

2. Some sellers of repossessed modular homes offer warranties on their products, so take benefit of such warranties if you encounter them. These can be advantageous if you suddenly study that unanticipated repairs have to be done to your purchased repossessed modular homes.

Repossessed modular homes can offer you mobility, but there are also disadvantages related with their use. Before you buy repossessed modular homes, take note of these possibilities first.

3. Older models of repossessed modular homes may have older engines, and may wish you to spend more on gas. Not all older models are fitted with new engines, so study your prospective modular home first, and consult with car engineers about it.

4. Contracts for buying repossessed modular homes may have distinct terms from contracts for buying brand new modular homes. Take note of these terms when you read the fine print of your contract, and do not sign a covenant unless you completely understand its contents. Make sure that no guarantees are unwritten: if it is not written in the contract, it will not happen.

5. As with all things, scams abound in sales, so look at your seller's background and consult with your creditors and local bank before you buy that modular home.

If you are interested in repossessed modular homes, consult with a seller, and look at all available options. Mobility will be on your side soon adequate if you make the right purchase, so be sure of everything before you get it moving.

5 Tips To Buy Cheap Repossessed Modular Homes

Fun Indoor Water Park Hotels in Michigan

If you want to take the kids to an indoor water park hotel, Michigan has the most out of any other state. For some reason, Michigan has become a hotspot for indoor water parks and is home to seven such hotels, with plans for another two. The majority are close to the border and very family-focused.

To learn more about the most popular indoor water park hotels in Michigan, read on.

Homes Michigan

Great Wolf Family Lodge (Traverse City, MI)

Great Wolf Lodge in Traverse City is part of a chain of family resorts in North America that caters to local family vacations. Each of their hotels offers visitors massive indoor water parks and family suites designed to afford parents privacy. They have lots of kid activities and are very focused on safety.

Great Wolf's biggest drawback, though, is the price. For a family of four, you should expect to pay close to 0 a night for a family suite. You'll also be paying for meals on top of this, so budget accordingly. And, if you plan to travel to a Great Wolf Lodge over a holiday weekend or during the summer holidays, then book early and expect a crowd.

The Gold Rush Water Park

Just five miles from Lake Michigan and the draw of the Silver Lake Sand Dunes, Gold Rush and the Double JJ Ranch and Resort is the perfect launching pad for families who want to explore the dunes.

You'll pay less than what you would at other water park hotels and resorts in the area, but the rooms are definitely smaller and somewhat outdated. You'll typically pay around 0 for a room.

Avalanche Bay at the Boyne Mountain Resort

The Boyne Mountain Resort is unique in that it combines a ski resort with an incredible water park and on-site spa. So, dad can spend the day skiing, mom can hit the spa and the older kids can enjoy a day at the water park. In the summer, you'll also find hiking and biking trails along with a public golf course with reasonable green fees.

At Boyne Mountain, there are two accommodation options. These include the budget rooms at Boyne Mountain (starting at ) and also higher-end rooms in the Mountain Grand Lodge and Spa. These rooms are directly connected to the water park for easy access.

If you're looking for an indoor water park hotel, Michigan clearly has numerous options that can appeal to any family at almost any budget. From high-end to budget-friendly, these three hotels represent the best of each.

Fun Indoor Water Park Hotels in Michigan

How to Move a Modular Home to a New Location

A modular home can be a wonderful investment. They allow you the occasion to live in a home that no one else has before. They also offer you abundance of designs with all of the rooms on one level. Many citizen love their modular homes and that is why when they need to move they want to take it with them. This type of home can be moved to a new location. However, there are things you need to know about that before you commit to it.

There are very few modular home fascinating companies out there. You may need to do some study to find person in your area that is willing to move it on your behalf. Hopefully you can find a couple of different companies that can do it for you. Then should also offer you a free assessment of what they can do.

Modular Homes

There is a great deal of work complicated with fascinating a modular home. Therefore you should be ready to pay several thousands of dollars for the move. The cost will be much more if it is being moved a large whole of miles. The home will need to be split in half to move it. This is the way that it would have originally been hauled to your current location.

Then each side is covered with thick plastic so that dirt, debris, and the natural elements stay out of your home while it is in transit. Individuals with a Cdl and training in hauling oversized loads will be responsible for fascinating your modular home. Ideally, a business should be able to move both pieces at the same time. Some of them don't have the equipment so they have to move one piece and then come back for the other one.

A pilot car is required to be in front of the modular home as it is being moved. This is to help clue the driver or drivers of the home about clearance levels and such in front of them. The cost of the pilot car is often tacked on to the cost of fascinating the modular home for you. The movement is going to occur at a slow pace due to the size of the load on it.

In most areas, the movement will have to stop before dark. That is to ensure the protection of everyone out there on the road when wide loads are being moved. If your modular home can't be moved in a singular day, then the cost will increase. This is due to the fact that the drivers will need to stay the night and then continue the next day.

Once the home is at the new location, it can take abundance of time to get it situated correctly. Both pieces have to be blocked and leveled so that they will be correctly in place. They will also be secured back together. Don't worry - once this is done correctly you won't be able to tell at all that the home was ever in two pieces.

Some citizen are fully blown away when they find out the cost to move their modular home. They feel it is ridiculous but the bottom line is that they are expensive to move due to the process involved. It is very time fascinating and it takes individuals with the right type of skills to complete it.

That is something you truly want to take into consideration when you first buy a modular home. If you are article to keep it right where it is for the duration of time you live in it then that is the best way to save money. If the cost to move it is too expensive, you may want to think selling it and buying a new one to place on the new location.

How to Move a Modular Home to a New Location

Michigan Non-Compete Basics

We live in a highly competitive world where highly paid executives and business persons gain access to corporate trade information and knowledge, customer lists and other proprietary information. Unlike prior times, these executives and other employees are highly mobile, moving between companies and jobs, even between competitors. Michigan courts and the Michigan legislature ave recently tried to deal with the realities of our 21rst century marketplace in dealing with the enforceability of non-compete agreements.

In Michigan, the validity of non-compete agreements is governed by section 4a of the Michigan Antitrust Reform Act, a statute passed by the Legislature in 1987, as well as the many cases interpreting that statute. Together, the statute and the case law set forth the parameters defining those agreements that are enforceable and those that are not. The statute seeks to strike a compromise between the protection of an employer’s competitive business interests and an employee’s right to earn a living. As such, courts interpreting non-compete agreements focus their analysis in four areas:

Homes Michigan

The agreement must protect a company’s reasonable competitive business interest. Among the factors in determining whether the agreement protects a reasonable competitive business interest are the employee’s position in the company, compensation paid to that employee and the level and amount of specific competitive information acquired during employment, which may include such areas as trade secrets or special training conferred on the employee.The agreement must be reasonable as to the length of time the employee is prohibited from working in the line of business. Again, each case is 'fact sepcific' and numerous factors are analyzed in determine what is a reasonable length fort non-compete contract.The agreement must be reasonable as to the geographic area the employer seeks to prevent the employee from working in. While the employee’s immediate area of employment would most likely be upheld as a reasonable territorial restriction, wider restrictions require a greater showing that the agreement seeks to protect the employer’s reasonable competitive business interest. The agreement’s restrictions on the type of employment or line of business must be reasonable. Courts will look less favorably on deliberately vague, over-reaching or “blanket” agreements.
Enforcement of Non-Compete Contracts Michigan courts have enforced and will enforce well-drafted agreements on a case-by-case basis, with remedies that include the issuing of restraining orders or injunctions and the awarding of monetary damages. It is important to note that even if one condition of a non-compete agreement is deemed unenforceable, the remainder of the agreement may be valid and enforceable. Businesses of all types, especially those with multi-state operations, must understand that the rules for non-compete agreements vary from state to state. What’s enforceable in Michigan may not be in one of our neighbor states. Moreover, employers should not delay in acting on known breaches of a non-compete agreement. The longer an employer delays between the discovery of unlawful competition and pursuit of a legal remedy, the weaker becomes the employer’s request for injunctive relief.

Like any contract, non-compete agreements define the expectations of each party and are subject to negotiations, depending upon the bargaining strength of the parties. Employers should have legal counsel help draft these agreements to ensure that they meet the employer’s expectations and are enforceable. Employees, on the other hand, should review such agreements carefully to ensure that they understand the restrictions on future employment should they ever leave the company.

Also, be sure to remind those leaving your company of their legal obligations during any exit interview. In this way, employers will strike a favorable, yet serious business tone, while best ensuring that any non-compete agreement can be enforced, should the need arise. I threat letter for any alleged violation is usually the first step to ensure the parties abide by non-compete terms and avoid litigation.

Michigan Non-Compete Basics

Pros and Cons on Buying a Modular Home

You have seen the advertisements. You might even know some population who own one. You think it might be the way to go in buying your next home. But first you should do some explore and some thinking. You should understand that there are both pros and cons when it comes to buying a modular home.

You should also comprehend the disagreement between a modular and a artificial home. A modular home is a home that is built basically by a kit. This kit is made in a premise but is put together by trained craftspeople. The buyer can pick out the kit he/she wishes to have and can make some minor changes to it. The kit arrives in pieces and when put together a home is built. A artificial home is someone else name for a movable home or a trailer. These are also made in a factory.

Modular Homes

Now that we all know what a modular home is let's look at some of the pros for buying one.

1. They can be set up almost anywhere, as long as there is adequate space.

2. They are generally pretty affordable.

3. You have some choices of the layout you want. You have choices on how many bedrooms, how many bathrooms, etc. You can also buy kits in which you can do some of the inside work yourself, adding the drywall, finishing the floors, adding the plumbing, etc. Make sure you understand exactly what your kit contains and what work you will have to conclude yourself when purchasing.

4. The home will be livable a lot quicker than a home would be if you built it yourself. Actually, you might be amazed at how fast these modular homes can be constructed.

5. You don't have to worry about thieves stealing your lumber as you are building it. (A question that is growing across the nation).

6. These homes are premise built and do have to effect codes and are inspected by third parties.

7. Most modular homes will help you safe energy.

8. You can de facto add more rooms onto it in the future, if the needs or money will allow.

9. If made correctly, can stay gorgeous for years.

10. Modular homes are built with real 2 X 4's compared to 2 X 3's that are used in manufacture artificial homes.

Now for some cons that some population believe exist.

1. Although these homes are built by craftsmen, many population believe that these homes are also put together too quickly and therefore are lacking in craftsmanship.

2. They lose their shop value quicker than a general home does.

3. Some of these modular homes have had some problems with insulation and water lines.

4. Can be harder to finance than a regular home.

5. They do not build equity like regular homes do.

6. May not be as sturdy as a regular home (especially while bad weather, tornado's).

Could a modular home be the exquisite option for you and your family? Weigh the pro and con list of reasons for buying a modular home, go and see some for yourself, talk to some salespeople and then rule for yourself. Only then will you know for sure.

Pros and Cons on Buying a Modular Home

Michigan Classic Car Shows

Classic vehicles shows are very popular in Michigan. People in the US and from all around the world gather to admire rare and expensive cars. You can select from 50 plus shows organized annually in Michigan. If you value retro cars, modern vehicles or else you only want to visit a classic auction or show compared to Michigan classic car shows are perfect places where you can find what you are looking for.

One of these exciting Michigan classic car show is the Greenville Corvette Club show which is organized every December. This event targets raising funds and donations for the local children's charities. It displays more than 44 Corvettes all of them being more amazing and incredible than the other. The 2011 edition is scheduled for September 10. So, get ready and don't ignore this unique Michigan classic car show.

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The Kalamazoo Classic Car Show is another Michigan show organized each year in western Michigan. The visitors can register their cars right into a judging competition including several categories like the "favorite kid's choice", the "quality of make" or the "people's choice" category. The winners receive different awards along with a certificate of achievement. All the money come from the entrance fee and the money raised through stalls are donated to local charities.

Another one is the exciting GVSU Car Show that takes place each year since 2004, at the Grand Valley State University. If this was organized for the first time, it was designed for students interested in getting together and referring to cars and information regarding their modifications or repairs. But this event became famous quickly and soon this car show became larger and included food, professional music and even competitions between vehicles.

The Detroit Autorama is yet another Michigan classic car event held every year in February. The wedding is called the "Cavalcade of Customs" by its promoters and features modified and customized cars including classic automobiles, motorcycles, trucks and scooters. The 2011 59th Edition would be a real success displaying amazing classic cars including a 1940 Ford Hardtop, a 1947 Chevrolet Roadster Get and a 1963 Buick Riviera.

The list of this type of event in Michigan includes the Michigan Antique & Collectible Festival organized at the Midland County Fairgrounds. This event is the home from the "Michigan's largest antique, collectible and classic car show". You will find the chance to see amazing and incredible classic vehicles manufactured in different amounts of time as well as in different body styles.

Another Michigan car show is the Oldsmobile Specialty Show, among the largest one-day Oldsmobile-only car show organized in America. The wedding displays more than 500 Oldsmobile vehicles. The R.E Olds Transportation Museum hosts also the vehicle Capital Celebration festival, every year. This event highlights a lot more than 200 classic automobiles which have the chance to win special dash plaques, door prizes and special awards.

The Sparrow Hospice Benefit Car Show is another Michigan show that takes place twice yearly and all the donations and proceeds go to the Sparrow Hospice. The locations where the wedding is organized include the Logan's Roadhouse and also the Chevrolet dealership, Bud Kouts. The cars which take part of the event are historical muscle cars which were manufactured between 1936 and 2006.

The Michigan classic car shows are amazing events that celebrate the elegance and style of classic vehicles. These events are the perfect places in which you and your loved ones can spend some time together and find information about classic cars.

Michigan Classic Car Shows

Michigan Coyote Hunting

Coyotes are found throughout the state of Michigan from big woods and cedar swamps of the Upper Peninsula to the suburban neighborhoods and farmlands of southern Michigan. They are most abundant in the Upper and northern Lower Peninsulas. Every area of the Michigan is experiencing a growing coyote population along with a growing population of coyote hunters.

Coyotes are extremely adaptable and survive in virtually all habitat types common in Michigan. They thrive in areas where adequate food, cover, water and safety are available. Urban areas can also support coyotes that are happy to obtain their food supply from domestic dogs and cats

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The size of a coyote's home range depends on the food and cover resources available and on the number of other coyotes in an area, but it generally averages between 8 and 12 square miles. Coyote mating season in Michigan takes place from mid-January through February into early March. Mated pairs and 4-7 recently born pups occupy the home range during the spring and summer seasons in Michigan

Mating season is prime time to call and hunt coyotes in Michigan. Like whitetail deer, coyotes become more active and territorial during this time. Younger coyotes are often forced out of areas as mated pairs establish breeding territories. With snow on the ground, this can be also be a difficult time for coyotes to find food and are required to increase movement and hunting activity.

Michigan coyote season runs from July 15th through April 15th. Some areas of Michigan have hunting restrictions during deer season and it is best to check the state hunting laws each season. You can also hunt at night in Michigan from October 15th through March 31st.

Calling coyotes with hand held calls or using an electronic game call is the fastest growing hunting sport in Michigan. Coyotes respond to your call out of hunger, territorial issues, social issues or curiosity. Most of your responses will be from hunger and territorial issues.

The majority of all coyotes are called in using prey distress sounds. The good old fashioned rabbit-in-distress sound has probably been used to call in more Michigan coyotes than all the others combined. This proven calling technique will be replaced any time soon.

Using coyote sounds like howling have become more popular for Michigan coyote hunters.

Using coyote sounds for calling can be very effective. Beginners may want to start out with some simple distress calling and learn the basics. It can get a little tricky when you're trying to talk to the coyote in its own language.

Although you can call in coyotes at anytime, the best time to hunt is usually early morning and late evening. Night hunting offers its own set of challenges.

Hunting coyotes in Michigan can be very exciting and challenging. As the population increases so does the opportunity for you to add coyote hunting to your list of hunting activities.

Michigan Coyote Hunting

Need to Sell or Buy Land Contract Houses in Michigan? Get the Facts

Land Contract Houses in Michigan

Land contract houses in Michigan are one option to think about if you want to either buy or sell real estate.

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Many states do not have favorable land contract laws, but Michigan is one that does, which is why such a significant percentage of real estate transactions in this state are done via land contract.

Especially popular are (FSBO) homes for sale by owner land contract Michigan.

A land contract is sometimes called a "contract for deed." This simply a contract between the owner (seller) and buyer. The price is negotiated and agreed upon upfront.

Land contracts give the buyer ownership of the property -- stated differently, the seller gives the buyer equitable title. Payments are made in installments, not all at once.

After all the payments have been made, the seller must then legally hand over the deed to the property.

So, what are the advantages for land contracts?

Well, for starters, closing costs and other fees are, generally speaking, quite a bit lower with land contracts. Typical mortgage loans cost more due to third party fees.

Land contracts help sellers move their property in a soft market, help buyers by lowering their fees, and also attract buyers who can not get qualified for a mortgage yet.

In addition, the buyer who could not get a mortgage through a traditional lender then will have time to improve their credit so that they can qualify for a longer term, lower rate mortgage.

Real estate investors can also benefit quite a bit from land contracts. First, if you are an investor with a property, a land contract may be the way to sell it.

Secondly, investors sometimes -- like we do here at buy-sell-michigan-real-estate.com -- get in contact with sellers who will work on terms and sell via land contract and match them up with buyers who want to purchase the property.

Therefore, if you are a FSBO, real estate agent, or investor (whether you do wholesaling, rehabbing work, or landlording), you can sell via land contract houses in Michigan. Just contact us here and we can probably help you either sell or buy on land contract. What's in it for us? We'll make a small assignment fee for our efforts.

For those who are interested in knowing how payment installments are typically mad with homes for sale by owner land contract Michigan.

It is common for the installment payments to be much like mortgage payments. The amount is often arrived at using a mortgage amortization schedule. Similar to a mortgage, each installment payment is partially allotted to the purchase price and partially to the interest on the unpaid purchase price.

Need to Sell or Buy Land Contract Houses in Michigan? Get the Facts

Michigan Inmate Search

In the Michigan Department of Corrections website you will be able to search about Michigan inmates through the Offender Tracking Information System or OTIS. The OTIS will be able to generate information about inmates who are or were incarcerated, on parole, or probation under the custody of the Michigan Department of Corrections. It also holds information on offenders who have transferred in and out of Michigan under the Michigan State compact and those offenders who have escaped their sentence.

There are certain limitations to the OTIS. These are:

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· It does not contain information that is regarded as confidential by the Michigan Freedom of Information Act.

· It does not contain any information on a person who has been arrested and convicted but not yet sentenced.

· It does not contain information on inmates who are in county jails or city lockups.

· It does not contain information on offenders sentenced to jail. In Michigan, jails are under the counties supervision while prisons are run by the MDOC.

· It does not contain pictures of inmates who were released prior to the taking of electronic photographs.

· It only contains information on inmates who have been under the custody of the Michigan Department of Corrections for the last three years. The Michigan Legislature only requires the MDOC to keep information about inmates on OTIS up until three years after his or her discharge.
Information on inmates is removed from the OTIS database if:

· The conviction has been set aside.

· Information has been expunged by sentencing court.

· Information has been expunged by operation of law.

· Three years have gone by after the inmate's release from the custody of the MDOC.

If you want more information on a particular inmate, there are other websites that can give this to you. By paying a certain amount, you will not be limited to a Michigan inmate search but will be able to search for inmates all over the country.

Michigan Inmate Search

Search Michigan Divorce Records Online

Personal information about people such as life records are usually difficult to get unless you know how. Knowledge about someone is no different. Containing the date and place of divorce, names, alimony, reason for divorce and similar data, it is no wonder that they are considered an important piece of document. Online divorce record websites are established to let the common man like you and I have fast and simple access to divorce records.. Make use of online divorce record search providers to get the data that you are searching for.

In Michigan, USA, divorce information and records provide a large amount of data such as names, place and date of marriage, age, information about any children, property owned, date and reasons for divorce. More information such as credit card numbers, tax returns and alimony paid can also be in a standard divorce record.

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Divorce and marriage records are filed in the county that the divorce took place in, and due to the information they carry, become an important document in a person's life.

Michigan divorce records are categorized as public records and this means that anyone can access and view the divorce information provided they comply with various Vital Records Office regulations.

The State Center for Health Statistics issues certified copies of divorce and marriage records used for various legal reasons like remarriage and immigration. However, if you simply wish to obtain the information on the divorce record you can do so online at various online public record directories.

In the United States, divorce records being public records means that they are not confidential and can be obtained by anyone. Thus County Registry provides this service for an annual fee, a small price for the convenience of obtaining such public record information.

Search Michigan Divorce Records Online

Michigan Criminal Records

The State of Michigan provides for its citizens a number of sources from which people can access information on criminal records. These include the web sites of the Michigan Internet Criminal History Access Tool (mi-mall.michigan.gov/ichat), the Michigan Public Sex Offender Registry (www.mipsor.state.mi.us/), and the web site of VineLink Michigan (state code MI, http://www.vinelink.com/). All of these web sites provide important information with regard to the criminal records that are kept by state authorities, which include the personal details of the offenders that have been convicted or fined in Michigan.

However, there is one source of information on criminal records, which do not only provide information on past crimes, but also information on where the offender is at the present. This can be very helpful, especially for firms that want to gain extensive information on the backgrounds of people, which include those on parole. This is because given that searches for criminal records can only be done statewide, a past offender who may have transferred to another state may not be accurately screened as most firms only conduct searches within the state in which they are based. This source is the web site of the Michigan Offender Tracking Information System or OTIS.

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How does OTIS work?

OTIS is designed to provide information about offenders that were previously or currently under the jurisdiction or supervision of the Michigan Department of Corrections (MDOC). Given this, any information on the web site can be verified using the database that is in the web site of the MDOC as well. Usually, a search on this web site would result to information that would contain any information about an offender who is or was incarcerated in any Michigan prison and on where the offender is currently located. In addition tot his, the pictures of all persons who have been convicted in Michigan are also included in the database. However, the images of the people who have ongoing cases or those who have not yet been convicted are not included in the database. Moreover, the criminal records of people who have been convicted in Michigan that were ordered expunged or to be locked would not be included in the database.

In addition to information on past convictions and on ongoing cases, the state authorities in Michigan also provide information on the status of the offenders, which include information on the current whereabouts of the offender. This can be very helpful for firms, as this can help them accurately screen their potential employees given that there is always a possibility that a past offender would transfer states.

Michigan Criminal Records

Tips for Lake Michigan Perch Fishing

If you fish the vast waters of Lake Michigan for perch you know how much fun it can be. You also know how difficult it can be to find the fish on some days. I fish out of South Haven MI and try to get on the water 40 days every summer. In sharing some of my experience I hope it helps someone catch more fish.

I like to fish the perch in relation to the water temp and the time of year. Early in the year I find big schools of Perch in 50-65 ft. It may seem hopeless but try to find a depression or something hard on the bottom. In the summer when the water is close to 70 deg f they tend to be in the 20-30 ft range. I have done very well by fishing a small depression maybe 20 foot in diameter. We are talking about a small area that is 1 or 2 feet deeper than the water around it. One thing I have learned is when the water flips(goes from 70 to 50's or 60) many times the perch move into very shallow water. Don't be afraid to move close to shore to find rocks or seaweed. You can even sight fish them in the shallow water. I would not recommend trying this on a rough day. Late summer for me is the most hit and miss time to catch Perch. Drift fishing works well in the late summer. I drift to find a school, and then anchor for a bit. If they quit biting I drift again.

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Anyone who like the taste of fresh perch, and the sport of fishing should try Lake Michigan perch fishing. Remember just because there is a group of boats in one spot does not mean they are catching fish. I have been the only boat in an area many times on days when the group of boats has a total of fish equal to my boats fish. Happy fishing, and if you catch a goby, KILL IT.

Tips for Lake Michigan Perch Fishing

Cheap Homes For Sale In Great Towns

Good Homes Under ,000?

My wife Ana and I found cheap homes for sale all over the country during a seven-week drive, and we even bought one along the way. It was in a pretty petite town in the mountains of western Montana, and it cost us ,500. We spent practically 00 to fix it up the way we liked it, and lived there for several months before selling it for ,000. You can see a photo of our petite pink house on the homepage of our site www.HousesUnderFiftyThousand.com. This was not a fluke. There are still great towns where you can find cheap homes for sale.

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Cheap Homes, Nice Towns: An Example

In Anaconda, Montana you can fly fish, go to a movie for three dollars in a gorgeous old art-deco theatre (the 5th most gorgeous theater in the country, according to the Smithsonian), drop some nickles in a slot engine (a dozen casinos), eat at a fine restaurant, stop by the bar for a dollar beer, and buy a house for sale under ,000 - all within a four block area! There are good schools and churches, a library with fast internet service, and wildlife (including bears) a few hundred yards from downtown.

Why Are There Cheap Homes For Sale?

The surmise there are so many cheap homes for sale in Butte and Anaconda, is that there aren't many good jobs left. I personally found jobs in Anaconda easily-but not good ones. Population left the area in the 80's especially, after the mines and smelters closed. This exodus has left one-in-seven "housing units" in Anaconda vacant, according to the U.S. Census. This has driven down the prices of homes dramatically. Since both towns still have all the basic ammenities, are cleaner now, and are moderately recovering, they are great places to retire to or to move to if you have an internet or other non-location-based business.

The economic situation is the customary surmise that you can buy a cheap house in many parts of the country. These are towns that have seen troubled times, but are often recovering, and with good reasons. Anaconda, an example we know well, now has a ski resort,a Jack Nicholas golf course, and gorgeous mountain scenery. The houses cost four times as much if you go an hour in any direction, and those higher prices are bound to reach Anaconda eventually.

Cheap Houses You Don't Want To Buy

On the other hand, there are towns like the one in South Dakota where we stopped for lunch. The bulletin board had ads for cheap homes for sale, settled there by desperate home-sellers trying not to be the last to leave town. There was a photo of a gorgeous old five-bedroom farmhouse for ,000. We looked up the deserted street as we ate, and noticed that most of the structure were boarded-up. This was a town that was clearly dying, and didn't have anyone to help revive it. Cheap homes are easy to find here, but I wouldn't take one for free.

Cheap Homes For Sale In Paradise

Maybe paradise is too much to expect, but there are many fantastic towns, from Florida to Oregon, where there are cheap homes for sale. So what does a town need in addition to Cheap houses in order to make our list? Well, the criteria are surely subjective, but contain at least the following:

1. Population in the middle of 4,000 and 80,000.

2. A good library.

3. A good grocery store.

4. A movie theatre.

5. Cheap houses: at least six for sale under ,000.

6. The town "feels" good.

When we researched and built our website, we broke the towns up into two pages. One is for the towns with houses for sale for less than ,000. The other is for the towns with surely cheap homes for sale - under ,000! Yes, they are still out there. Using a phone and the internet, searching for your affordable dream home is easier than ever. Good Luck!

Cheap Homes For Sale In Great Towns

Mechanic's Liens - Friday's Free Form - consideration of Intent to Lien - normal contractor

How many times have you been in this situation: You are owed money on a building scheme and are thinking of filing a mechanic's lien. But you know that after filing it there will begin a serious dispute process, and probably arresting the hiring of lawyers on each side. You would like to send a notice to the other side telling them that if it is not paid, more serious steps will be taken. Well, there is a form to be used in this situation. In my experience, this is a very favorite form--so much so we would like to make it ready to the building industry.

This form below warns the owner that you will be filing a mechanic's lien if cost is not made within ten days. Hopefully, it will generate a serious dialogue for settlement. Come up with your lowest line amount to rule and be ready to offer it to the owner if he or she is negotiating in good faith. Remember that the last thing an owner wants is a lien on their property: it jeopardizes title, interferes with their relationship with the building lender, and prevents refinancing or sale. This notice is worded in a non-threatening manner so as to capitalize on this situation, with the owner knowing that you are required by law to file a lien within a set duration of time or lose your lien rights.

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Who Can Use This Form? All persons, either normal contractor, subcontractor, or supplier.

How To Serve: There is no need to file this with the court or article with the recorder's office. It is simply served by mailing.

Who To Serve: If you are a normal contractor, serve the owner and building lender. If you are a subcontractor or supplier, serve the owner, general, and building lender.

How To Serve: Although not required, it is recommended for its effectiveness to be served by certified mail.

When: Serve ten days before you file or article the mechanic's lien. Remember, it does not expand the time to file a mechanic's lien.

Notarized? No.

Copies: The traditional signed copies are served. Keep an extra copy for your records.

Certificate Of Mailing. Use a suitable Proof of assistance form. Sign this Proof (it is like a certificate of mailing) and staple it to the form so you have proof it was mailed to the discrete persons or entities.

Margins And Font. This is a Word document so use the following margins so it prints out properly: Top: 18 pt; Bottom: 22 pt; Left: 58 pt; Right: 58 pt. Type size is 12.

How To Use? Cut and paste the form into a new Word document.

Which States?

Use this notice only in the following states: Alabama, Alaska, Arizona, Florida, Idaho, Indiana, Iowa, Kansas, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and West Virginia.

As to California, you can use it until supplementary notice. California is in the process of amending its mechanic's lien statutes which will want a specific notice. Check our web site for that new form.

Sample Form Starts Here

Notice Of Intention To File A Mechanic'S Lien (General)
(This is not a Mechanic's Lien, nor a reflection on the credit of any contractor)

__________________________________________________________________________________
Via Certified Mail

To Owner:

_________________________________________________
(name(s))

________________________________________________
(address--no. And street)

________________________________________________
(address--city, state, zip)

From normal Contractor:

_______________________________________________
(name(s))

_______________________________________________
(address--no. And street)

_______________________________________________
(address--city, state, zip)

______________________________________________
(fax/phone)

Please take notice that the undersigned lien claimant intends to file a Mechanic's Lien against your property if cost is not made for moneys owed as follows:

Project Name: __________________________________________________________________________________

Property branch To Lien (common street address or other description):
__________________________________________________________________________________

(1) normal article of building services furnished by Lien Claimant:
_________________________________________________________________________________
_________________________________________________________________________________
________________________________________________________________________________

(2) amount due: straight through _________ (date) is $ _____________ after just due (total performed, with extras of $ ___________ , less payments of $ ____________ ). Unpaid invoice(s) attached. Attorney's fees and court costs will also be requested.

The above-described work was in case,granted to your property, at your instance, by the Claimant. If cost is not made within ten days (10) of receipt of this demand, Claimant intends to file a Mechanic's Lien, without supplementary notice. If you have any questions or wish to make cost arrangements, please call immediately to discuss.

Dated: _____________

_______________________________________________
(Signature and Title)

Mechanic's Liens - Friday's Free Form - consideration of Intent to Lien - normal contractor

What Is An Mai Appraisal?

Mai appraisals are among the most sought after appraisals in the industrial real estate world. Mai stands for Member of the evaluation Institute, a trade organization which monitors appraisers and holds them to a higher acceptable than appraisers who are merely licensed and do not belong to such an organization. There are other evaluation trade organizations active in the world of real estate. However, Mai is the best known, and thus the most popular.

Technically, there is no such thing as an "Mai appraisal." There are only appraisals performed by an appraiser who has completed the Mai evaluation Institutes class offerings, and holds this designation. However, it's often much easier to refer to the evaluation itself as being certified than to hold to technicalities.

Prefabricated Homes Michigan

An appraiser who has earned the Mai designation is qualified to and experienced in the carrying out of both residential and industrial properties. Many other appraisers are only qualified for residential property. At one point, lenders were likely to need that an evaluation be done by an Mai certified appraiser, or a member of another trade organization. However, this has been unlawful since 1989, as there is not federal regulation of these organizations. Still, certified appraisals can increase the chances of a suitable lending situation, since the lender will feel more comfortable. An Mai certified evaluation offers lenders a reliability that allows them to be safe bet in their investment.

A industrial evaluation by an Mai certified appraiser can include many things. Generally, it will supply an summary of the community, neighborhood, and normal area in which the asset is situated, as well as a detailed record of the site and all structure it contains. Zoning analysis, an pathology of the top and best use for the property, and an in depth seminar of the property's value from some distinct approaches will also be included. The appraiser may also make a advice of which valuation is most acceptable in his or her opinion.

Appraisers tend to be conservative in their estimates. However, this does not mean that one will receive a low appraisal. An Mai certified evaluation firm assumes liability if the evaluation is too high, and the asset cannot be sold for the price they recommend. The firm also assumes liability if the price is too low and the asset is sold for too itsybitsy money. Because of this, appraisers have a vested interest in manufacture sure that their estimates are in the middle range. Which sales an appraiser places the most emphasis on will depend in the type of market. In a rising market, emphasis will be settled on higher up-to-date sales, and in a falling market, that emphasis will go to lower up-to-date sales. A good appraiser is concerned in giving clients the most exact evaluation possible.

What Is An Mai Appraisal?

The mean Cost For a Modular Home - What They're Not Telling You

Ever wondered why modular homes manage to generate the hype and hoopla generally related with the publish of a more industrialized version of the Apple iPhone? If you believe that it's the jaw-dropping, earth shattering median cost for a modular home, you have more or less hit bull's eye. The median cost per quadrilateral foot works out to be around . Now discrepancy this with the median cost per quadrilateral foot for a stick-built home of the same dimensions, that's about , and you know who walks away with the honors in this calculus.

There are more figures that can send your imagination soaring. A singular section home with a modest 1000 quadrilateral feet of living area will drain your bank catalogue by ,000, while a double section home with an impressive 1,600 quadrilateral feet of space comes with a price tag of about ,000.

Modular Homes In Pa

But before you let these striking figures envelope you in euphoria, make sure you read in the middle of the lines. To put things in a nursery way, there are a plethora of factors that have a profound work on on the price of modular homes.

Consider Them Earnestly

Before you make snap judgments about the median cost, here are some prominent aspects that you just cannot afford to gloss over:

First, is it a spanking new home or something that has been busy before? What's the location like? Is it a mobile park or a plot of land? In case it happens to be the latter, are you the proud owner, or do you shell out a hefty rent for the same? The dimensions too matter. Is it a singular wide, double wide or a full modular home? And the state that the house is located in also has more than just a token import on its final selling price.

So before you go into raptures on looking the price, make sure you think each of these aspects carefully.

The mean Cost For a Modular Home - What They're Not Telling You

Pa Systems, What's Best For You?

There's a lot to reconsider when shopping for Pa systems. What's best for you? That's a examine that only you can for real answer, but there are some considerations that are common to anything theory you opt for. This description explores the things you should look out for when choosing a Pa, or group address, system.

1. Arguably, the microphone is the most important part of the theory to consider. If every other component of the theory is top notch, but the microphone is cheap and nasty, the sound potential will be equally poor.

Modular Homes In Pa

Get a unidirectional microphone of high potential if just one person will be using it, or an omnidirectional microphone if several population will be using it simultaneously. And of course, getting several unidirectional microphones for several population to use simultaneously also works well.

2. The mixer should be carefully next. The mixer's job is to route and mix the various audio signals generated within the system. Each component or device will have its own channel, so the mixer needs to be able to accommodate all the devices you have, and possibly be able to improve in the hereafter whenever you need it to.

3. The amplifier takes the signals generated in the theory and amplifies them. A poor potential amplifier will amplify the signals badly and distort the sound. That is why you should pick a non-distorting signal amplifier. Also reconsider the power you require. If your amplifier doesn't have adequate power to cope it will distort the sound.

4. Pa systems would be useless without speakers. This is where the sound emits. Good speakers will reproduce the sound signals faithfully, and the reverse is of course also true. The whole of speakers you will have is another thing you should consider.

Give notice to where the theory will be used. If it is a small space, then immense excellent speakers will be overkill and deafen everyone. Conversely, inadequate speakers, or too few speakers, will not have what it takes to faithfully reproduce the sound potential and volume needed in a large space.

5. While it is not strictly speaking a component of Pa systems, the cabling you use to connect all together is also very important. It may seem obvious, but make sure that you only use cables designed for audio use. This will mean that the cables are the optimum potential for what you need.

You should also avoid thin, flimsy cables. They may be easier to handle and take up less storehouse space, but they will also be less able to cope. Go for force and sturdiness; cables can take a lot of wear and tear over the years. Get ones designed for audio that look like they will last the course.

Pa systems are of course man-made by many dissimilar companies. Some are well known and popular, while some are possibly best forgotten. When choosing your system, pick components that are proven to be reliable. You can pick the private components separately from dissimilar manufacturers, matching up the best or you can pick from the many all-in-one Pa systems. Whether way, pick carefully and you will have a sound theory that will last you for many years.

Pa Systems, What's Best For You?

Mortgage Loans For Veterans With Bad prestige

Va Loans

These are mortgage loans offered by the Us group of Veteran Affairs. These are long term loans offered to American Veterans or to their surviving spouses. The intention behind the loan agenda is to sustain ex- servicemen by providing them the required finance for purchasing a house, where underground finances are not ready and to help them in availing a loan without any down payment. The group classifies few areas as housing reputation shortage areas, usually rural areas and offers this installation for those in these areas.

Modular Homes In Pa

Mortgage Loans for Veterans with Bad Credit

Manufactured Home Newly constructed residence Townhouse Single family Home. You can avail this loan more than once.

Mortgage Loans For Veterans With Bad prestige

Homes for Sale By Owner Land covenant Michigan

The homes for sale by owner land compact Michigan residents are able to supply to concerned parties a home at an affordable price. A land compact in Michigan is often beneficial for both parties, when conducted in the accurate manner.

There are a whole of instances in which reputable and reliable individuals in Michigan will find themselves in financial problem and facing a potential foreclosure on their home or land. Instead of succumbing to this problem, it is leading that these individuals perceive that hope does not need to be lost in these unfortunate situations.

Modular Homes In Pa

Even in these troubling times, there are alternatives ready to these habitancy aside from the foreclosure on their property. A land compact in Michigan can be just the thing to help these people, or anyone that is looking to sell their property swiftly and without consuming a mortgage company.

As a compact between the owner of the property in the state of Michigan and the buyer or purchaser of the aforementioned property, a land compact in Michigan allows the transaction to take place for a pre-determined and specified monetary amount, in exchange for the ownership to the land or home. The purchaser agrees to make the decided upon payments for the property over time to the seller, who is required to hand over the corporeal manifestation of the deed to the property owner or purchaser when the entirety of the land compact has been paid in full.

The laws surrounding the homes for sale by owner land compact Michigan residents must bond to are outlined in a very clear way in these instances. ownership and living rights, for all intents and purposes, are immediately ready to the purchasers of the many ready homes for sale by owner land compact Michigan residents have to offer. In the end, it is the title that is not turned over to the purchasers until the payments have all been made. This is what allows the sellers to profess some collateral when they are in the process of selling their properties. Homes for sale by owner land compact Michigan laws are able to safe sellers in this way.

However, land contracts are also beneficial for concerned buyers as well. For example, buyers who want to own a home but have poor or damaged reputation can often work with sellers on terms. Investors, like us here, can also help educate buyers on ways to repair their reputation and get them the financing they need.

Sometimes bad things happen to good habitancy and person who can make monthly payments and has some money to put down on a home should be able to buy one, even if the bank isn't willing to give out a loan.

he sale of the home in this specific type of contractual bargain , therefore, is able to help all complex parties. Despite the many benefits, there are a whole of states that have, over the years, presented a whole of problems when it comes to manufacture the ownership of a property easy in the form of a land contract.

Homes for Sale By Owner Land compact Michigan

However, a land compact in Michigan is a valid form of property transaction. Homes for sale by owner via land compact in Michigan bring supply to the store as options for potential buyers who would otherwise not be able to buy a home.

As long as the jobber is motivated and willing to work on terms and the buyer has garage earnings to make monthly payments and has a bit of money for a downpayment, a win/win situation can often be structured.

Homes for Sale By Owner Land covenant Michigan

Vintage Illinois Pocket Watches - Collectible Pocket Watches From the Illinois Watch firm

Illinois pocket watches are just one of the brands of collectible timepieces sought by watch collectors internationally. The firm was originally established in the state of Illinois in 1869 under the name Springfield Watch Company, named for the town where the premise was located. In 1875, the name was changed to the Illinois Springfield Watch firm after an assets transfer and then it was changed again after a second reorganization took place in 1878. Henceforth, the firm was known as Illinois Watch firm and remained so until it was purchased by the Hamilton Watch firm in 1927. Hamilton prolonged to use the Illinois brand on pocket watches until 1939.

While the maker is no longer with us, their pocket watches live on due to their finely constructed mechanisms. Illinois watches are probably some of the most collectible in the vintage marketplace simply because of their very high quality. Fortunately for collectors, these vintage Illinois pocket watches are not that difficult to find, especially at online auctions.

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Below are a few of the most popularly collected models. You can find some of these items now being auctioned online.

Illinois Ball Pocket Watches

Railroad-grade pocket watches made by the Illinois firm are particularly collectible. One of the railroad watches sought by most Illinois collectors is the 16 size, 23 jewel, Illinois Ball pocket watch. About 3,500 hundred of this singular watch were produced by Illinois in the middle of 1927 and 1935.

Some of the other desirable Illinois railroad watches consist of the Sangamo, the Illinois Bunn pocket watch, the Bunn Special, and the A. Lincoln. Each of these were made ready with 18 size movements and were put to use by railroad employees of the time. Of the Bunns, the most collectible is the one made after the Hamilton Watch firm took over the Illinois production facilities in 1928. A 16 size watch, the Bunn special featured technological improvements by Hamilton and had a 60 hour movement.

Illinois Pennsylvania special Pocket Watch

In addition to watches branded under the Illinois name, the watch maker also specialized in secret label brands for a variety of companies, including H.M Jacobson (the Pennsylvania Special, which is a Bunn) and the Oskamp-Nolting firm Ben Franklin watches.

The Illinois 26 Jewel Pennsylvania special is an 18-sized watch. Its dial and movement are engraved with the name "Pennsylvania Special", and it can be adjusted to six separate positions.

This is just a small samples of vintage Illinois pocket watches that are available. If you honestly rule to get into collecting them, it is a good idea to pick up a book on collecting watches. There are a few that cover just watches manufactured by the Illinois company, the best of which was written by Bill Meggers, entitled "American Pocket Watches - Illinois Watch Co". Unfortunately, it is as nearly difficult to find as some of the rarer Illinois watches themselves.

Vintage Illinois Pocket Watches - Collectible Pocket Watches From the Illinois Watch firm

My foresight Of New America

In every culture colse to the world reside the basal foundations of being conservative or liberal. These are of course naturally two unique ways of expressing our freedoms and race of happiness. One should not say that whether view is wrong; for how can a preference be wrong?

Our new America will be a harmonious working balance of these two polarities working out the subtle details into a symbiotic relationship, each one contributing to the whole. This fine tuning is easy now, that mega corporations huge manipulation of government and politics has been removed. Ironically when the power base of corporations was eliminated, so too died the manufactured "divide and conquer" propaganda campaign that set these two parties at odds.

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America had an epiphany that began with young Americas being absorbing enough to see through the illusions that were created by big money and mega corporate wealth. The epiphany was that fighting for corporate ownership was in fact destroying the middle class and Capitalist principles. Many population had fallen victim to the media campaign that had for lack of a more respectful term, had brain washed the public that standing up for corporations was standing up for self and fair market.

This illusion was seen in clarity by the collapse of the American economy. This collapse began as the middle class had been so burdened with taxes and unemployment - yet the mega corporations were generating huge funds greater than any time in history. These huge corporations not only squirreled back 2 and a half trillion dollars in off shore accounts, but were also receiving money from the federal government as subsidies. Yet Americas accountability to pay for wars, and interest to the federal reserve still had to be paid. This tab could only be picked up by the already strangling middle class, as mega corporations were not contributing their fair share. The poor class grew larger and larger, and the remaining middle class had to pay for them too.

Corporations greedy and illegal methods shrank the middle class so severely that there was no one left to spend money into the economy. This created Americas great collapse. Big moneys miscalculation here was that they never paused for a occasion to comprehend they were killing the hand that fed them. population stopped buying things; small firm stopped selling things. The corporations stock dived as the stock store plummeted. This was the catalyst, that allowed the young generation to stand up with a voice of one. For this was a young generation who was plugged in and turned on.

With a unity of one, the young generation organized together, and took a stand. America demonstration had never happened so quickly, or so powerful. And the rest... Is history.

The federal reserve was fast abolished, as it only served to keep America in debt and send the 40 percent interest payments to the top one tenth of one percent of the most wealthy population you've never heard of; term limits for congress was instituted so that a politician could not get into bed with big money and screw over Americans. Campaign reform was soon implemented; which meant big firm could no longer manipulate who gets elected and who does not. Lobbying congress for special interests was allowed, yet any money passing hands through lobbying attempts was outlawed.

Then corporations were made to pay their fair share of taxes, as all loop holds were closed, as were all off shore tax havens. This alone generated trillions of dollars. The elimination of the federal reserve also generated trillions of dollars. Monopoly laws that were prominent enough for our founding fathers to address in the constitution were raised from the dead and the largest corporations were separated and divided.

New America is prosperous with a true "fair market". Power was restored to the people, by the people. The middle class began to grow as more and more of the poor were able to break through the glass ceiling. The wealthy class began to grow as more and more of the middle class moved up. Corporate power and affect were removed from our political structure, and conservatives and liberals both, now belonged on the same page working together.

This, is the foresight of New America, that I foresee advent of age in a similar scenario as I have outlined. The alternative, the unthinkable alternative being that big money and corporate power gets so large, that it will have stolen America right out from under us; and then it will be too late. Yet I am an optimist, I have to be. The first step, is to spread awareness. I have done my part; what will you do?

My foresight Of New America

Government Homes for One Dollar?

Urban legends about Hud

1) You can buy a home from the government for .

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Did you surely think you could? Sadly, most population that enter their reputation card numbers on those flashy venture websites, or call in and order that high-priced As Seen on Tv holder surely think they can.

Hud does have programs which allow charities, city, and county governments to buy properties at , but there are no programs for investors or home buyers which allow this.

2) Hud homes are in the worst neighborhoods in the city.

Not true at all. Hud homes can in fact, be found in even the most exclusive areas of the city.

3) Hud homes are normally falling down, or have been condemned by the city.

Again, not true. While there are surely some houses in very poor shape, the vast majority of houses are in remarkably good shape.

4) Hud only sells a home when a welfare house no longer wants to live there.

This is a huge myth. Hud gets their homes when a home owner defaults on an Fha insured mortgage. population from all walks of life lose houses everyday. The number of Hud owned homes in middle class neighborhoods would astound you.

The next time you see a website gift information on Government homes, you'll know great than to click on that blinking box! If any way you are concerned in a fixer-upper, Hud may have a house for you.

Government Homes for One Dollar?

Buying A Cheap Repossessed mobile Home

Buying your own house requires much concept and research, even if it means that you have to buy repossessed homes because you cannot afford a new one.

There are many types of repossessed homes available in the market today. One of them is the mobile homes, also known as man-made homes.

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Mobile homes are, in essence, houses that are produced in factories, instead of creating them on the area. From the word mobile, these houses are transportable to the area closed and complete.

With their mobility and easy access, mobile homes are considered as one of the most favorable houses available in the industry.

With the steep prices of most new homes these days, it is not surprising to find habitancy select mobile homes instead since these types of houses are less high-priced than the new ones.

If you are thinking to buy a repossessed mobile home, here are some things to keep in mind:

1. Location

If you are buying a repossessed mobile home that is already situated in a certain place, it should be near key places such as schools, hospitals, markets, offices, churches, and malls.

For your convenience, it should also be accessible to dissimilar public transportations and bus routes.

2. Price

Make sure you can afford the price. Not all repossessed mobile homes were being sold the same. They may still vary from one mobile home to another. Try to shop and collate and get the best deal with microscopic amount involved.

3. Be involve

Do not be an idle buyer. Keep in mind that repossessed homes are second hand buys, which means that some mobile homes may not appear as good as the others.

In order to identify possible repairs, try to visit the site if the mobile home is already situated in a definite area. observe everything to see if it fits your family's lifestyle.

All of these things are boiled down to the fact that repossessed mobile homes can be a real venture as well as and ideal home based on proper terms. Knowing these data will certainly supply you well-informed decisions.

Buying A Cheap Repossessed mobile Home