I would like to buy a home for myself.

Contact the local tax collector’s office in the county where you wish to buy.

Be advised that many states don’t auction off the property but the right to collect the past-due taxes plus interest from the current owner. The owner has a period of time, typically 2 or 3 years, to pay you the taxes and the interest. If they don’t pay you off in time then you have to foreclose on the tax deed to take possession.

It’s also a myth that you will pick up nice properties on the cheap this way. Typically you’ll wind up paying something pretty close to market value once the bidding is done.

Understanding the components of a good bill of sale for a horse is vital in Pennsylvania.  There are a myriad of issues both the buyer and seller need to address to protect their own interests and liabilities.  The best way to accomplish this is to have a detailed Bill of Sale.  Many times people are tempted to write up a simple document, or borrow one from a friend.  This can prove to be quite detrimental to both parties as it may not adequately protect your interests nor address the details of your specific transaction.   In agreements of sale for horses, one generic document does not apply to every situation.  Many issues must be addressed in this document, including identification, warranties, consideration and risk of loss just to name a few.  It is highly recommended that you contact an Equine Attorney that concentrates in equine law to be certain your interests are protected.  The goal of this article is to begin to educate you on the various issues which need to be addressed in writing an equine bill of sale to ensure you are properly protected.

            A. Vital Information

            The first and most rudimentary information that must be contained in the Bill of Sale are the names of the parties.  You must have the parties’ full names and addresses, and make sure to identify their capacity in the transaction (i.e. buyer, seller, agent, etc.).  Many times you will have a third party acting as an agent for the sale.  Common mistakes in drafting these agreements include: omitting the agent from the contract or mistakenly listing the agent as the owner.  In addition to correctly identifying and naming all the parties to the transaction, each named party must sign the agreement.   

            Secondly you need to properly identify the horse.  Use any and all unique identification characteristics of the horse.  Look at the horse’s Coggins, filled out by your vet, which should list the horses’ unique markings.  If the horse has a jockey club, breed association, show, or other member identification number, be sure to list that.  Also state the horses name, age, sex, height, breed and color; anything to properly identify the animal.

            Finally, after you identify the animal, you must state the purchase price.  You must state with specificity the sale price, and whether it will be in one lump sum or over time.  Also state the method of payment and whether it is required in certified funds.  The purchase price is always necessary because it is a core term of the contract.  Should any disputes arise, the document must state the purchase price and the method of payment in order to be enforceable by a court of law.

            B. Warranties

            The main purpose of including warranties in the contract is to address the intended use of the horse. Whether the intended use is as a companion horse or as a grand prix jumper, you need to decide if that use is warrantable.  Parties can decide to warranty for other things, such as soundness. However, if the parties agree on warranting the horse, the agreement must state clearly exactly what is being warranted, the length of time it is to be in effect, and what the penalty is for failure to meet the warranty.    Buyers may incorrectly rely on oral representations made by the seller prior to sale. Buyers should make sure that any promises are in writing as a term of the contract.  Take for instance, that the seller promises that the horse can be returned for a full refund if the horse for any reason becomes lame within two weeks of the sale. Unless that is specified in the agreement, it is not enforceable. On the other hand, if the contract is being written for the benefit of the seller, the seller may not want to warranty anything other than the fact that they are the owner of the horse and have free and clear title.  Many times, the sale is “as-is-where-is”, and with all faults.  The buyer is free to have a pre-purchase exam performed by a licensed vet to ascertain any physical problems with the horse.  Nevertheless, the bill of sale must state what, if any warranties are present while also affirmatively disclaiming any warranties that are not present.

            C. Indemnification

            In tying in with the warranty section above, the bill of sale should also contain indemnification language on behalf of the seller.  Riding horses is a dangerous sport, and one can not predict how a horse will react at any given time.  Therefore, assuming no fraud is present, the seller will want to be protected from the filing of legal action by the buyer.  Indemnification language does precisely that.  Assuming no fraud or misrepresentation on the part of the seller, this language will protect the seller and prevent the buyer from filing legal action against him/her.  By no means is indemnification language considered a get out of jail free card, but it does however protect the seller from frivolous lawsuits by providing a defense to the action. 

            D. Risk of Loss

            Another core term which should be stated in the contract is when risk of loss passes to the buyer.  There is a point in time when the seller is no longer responsible for the animal, and the buyer takes on the risk of anything happening to the horse. Usually, risk of loss passes when money exchanges hands and the horse leaves your property via the buyer.  However, there are circumstances when risk of loss may not pass immediately.  Suppose that money exchanges hands, but the horse is transported by a third party hired by the seller; or if the purchase price is to be paid over time; or if money changes hands and the seller delivers the horse.  These are various circumstances which could cloud the issue of when risk of loss passes.  Therefore, you should include explicit language in the contract as to the exact time risk of loss passes from the seller to the buyer.

CONCLUSION

            This article is just a glimpse into the issues which could present themselves during a sale and purchase of a horse and is no way to be considered inclusive of all clauses to be present in a bill of sale.  The terms may vary depending on the specific nature of the deal.  The key is, regardless of the transaction; take the time to adequately protect yourself.  It is strongly suggested you consult with an Equine Attorney in your area to discuss these and other issues which may be present in your individual matter.

Ronald C. Isgate
http://www.articlesbase.com/law-articles/writing-an-equine-bill-of-sale-in-pennsylvania-a-basic-primer-717576.html

If you’ve got a product or service to offer to the public, there are many things that can potentially work against you. They may keep your business from growing to the level that you would like it to.

Stiff competition, increasing costs of materials and high cost of advertising can all keep you from making the money you need to in order to keep your business venture afloat.

To be successful, you need to offer a better price than the other guy, while still turning a profit. Sometimes, that means cutting overhead in any way possible.

You can’t scrimp on materials and try to pass off an inferior product or service. That practice may work for a short while to get you some temporary sales, but once the public catches on, you can kiss your reputation goodbye.

You can’t forego advertising entirely, because you won’t have any customers if your potential customers don’t know that your business exists. With no business coming in, it makes no difference what you charge, when compared to your competitors, because you’ve already lost the competition before it has even begun.

If you need to increase your profits, in order for your business to survive and thrive, and there is no way you can get your raw materials for less, how about increasing your clientele for free? It may sound too good to be true, but free advertising is very real. It’s an incredible way to increase your business and your profits without any extra out of pocket cost.

How free classifieds work

There are a variety of free classified websites available on the internet. Generally speaking, you are required to create a membership account to either post or respond to an advertisement. The account is opened for free and often requires only a few moments of your time. It will allow you to track the activity on ads you place and will also allow you to contact those who wish to purchase your products or use your business’s service. Placing advertisements is often just as easy as opening your free account. Posting ads will let you describe your product or services, using both text and images.

Why free classifieds are better than conventional advertising

Many businesses advertise in telephone books, local newspapers and in trade magazines. They also run ads on radio or television. The problem with focusing your advertising efforts in these types of publications is that the cost can be quite high. This is especially true for a small business without an abundance of revenue coming in.

Advertisements in a telephone book will most likely run all year long. If your business name isn’t at the front of the alphabet for your product or service, then odds are very few of your potential customers are going to see it. You’ll pay quite a bit of your advertising budget for this type of marketing. The return you’ll get from this investment may not even cover a portion of what the ad cost.

An ad in a local newspaper could run for one day, for the weekend or for an entire week. This depends on how much money you have budgeted for this. The longer your ad appears, the more likely a potential customer will see it. The downside is, the longer your ad appears, the more money you’ll be spending. Your ad will only reach a certain geographic area. In that area, only the people who subscribe or regularly read that particular newspaper will see your ad. You’re probably more likely to get some action from a newspaper ad than you would from an ad in a phone book, but you still may not see enough business from it to justify the cost.

Trade magazine ads may very likely help you to reach your target audience. Although, not every business has an active trade publication serving its field. If your business falls into one of the types that does have an active publication, that publication will most likely be monthly at best. In some cases, the publication is released semi-monthly or even bi-annually. That is not nearly enough time in the public eye to make a lasting impression.

Radio and television are excellent mediums for advertising. In fact, they are probably the two best and most successful ways to advertise a business. The major problem with advertising on radio or television is that it is impossible to afford, unless you have a very large budget for advertising. Many small businesses don’t make enough revenue in an entire year to be able to afford a successful television ad campaign. That’s where free internet classifieds come in.

Advertising via free internet classifieds is beneficial to your business in many ways. The cost is right for any business. There isn’t a single business out there, big or small, that can’t afford free ad placement in its budget. If you already had money set aside for marketing your business in another fashion, it can either go directly into your pocket as profit or it can be reinvested into the business for another area of need. Freeing up money that you had already planned in your budget, may allow you to rework some of your numbers and be more competitive with other businesses. Lower cost of products could easily bring more customers your way and ultimately have a very positive effect on your books in the coming year.

Advertising on the internet will also tremendously increase the amount of people that you are capable of reaching. A phone book ad or local newspaper ad might reach potential customers within a fifty mile radius. There is no limit to the lengths that an internet ad can reach. The scope of an internet advertisement instantly makes your business accessible to potential customers world-wide.

Less expense, more competitive prices and reaching billions of people are just some of the reasons to choose free classifieds on the internet. Free internet classifieds are the single best way for a small business to be able to live within a budget, while increasing clientele and growing profits.

Jay Gaulard
http://www.articlesbase.com/management-articles/increase-your-profits-by-reaching-those-who-need-your-product-756765.html

Moving to Alpharetta, Ga. My family and I want to rent a place. Can you recommend any sites other than. craigslist.com
or oodle.com
thanks

Contact the Alpharetta Board of Realtors. Call directory assistance, or google the3 alpharetta board of realtors and they can direct you to properties for rent in that area.

i opened a one market place account and placed an ad on oodle. how do i collect payment?

I suppose you contact the buyer and agree with him to transfer money through PayPal

Every time that I try to post an ad it says that I need to enable JavaScript-It’s already been enabled on my computer. I’ve checked my pop-up blocker,my bit defender security, approved websites…etc. I even tried to contact oodle help, but to no avail.

Is anyone else having problems? Any suggestions on what else I could try? I have a vista inspirion from dell and am working off of Internet Exp. 8.Thanks so much for your help

Christine

Wow I don’t know what you’re asking

I tried Craigs list but those cars are really expensive and am looking for another site where I can find something within my price range.
Police impound cars would be good but I don’t know how to find them.
Any advice would be greatly appreciated.

You will find the answer at this link http://www.usedcartips.org/TENTHOU.html from there navigate to Test Drive, it will help you along to get value for your bucks.

If you have further questions or confused feel free to make contact through the website address.

With the use of the Internet, the process of selling one’s car has become significantly simpler. U.S.A. are shower a thousand and one unrepresentative websites that a person can evidence their vehicle on. The nature of the Internet has made it possible for any random psycho to look up used car classifieds, find a particular ad specifically catches his fancy, and contact the seller. Threadbare car classifieds on the Internet have made selling one’s auto a far simpler process than before, though some people impugn not yet come to take full succor of it. Here are some bits of advice to help a seller maximize the benefits of selling on the Internet.

The highest rank major benefit of used car classifieds on the Internet would be in terms of research. Most people fail to realize that the Internet can also be utilized in checking a particular model’s market, neighboring can help in determining the degree of deed people molest in a particular vehicle. Use some do understand this fact, most people fail to realize strictly speaking advertising and selling their tired auto is best done once someone has assessed whether or not a market for the model of vehicle being sold exists. By checking for ball game in a particular model, a seller can determine point of vantage and when it would be best to actually sell the vehicle to get the best price.

Another benefit of online used car classifieds would be the number of people the ad can reach. Any interested buyer infatuated Internet access can find the ad, check the car out, and contact the seller if the potential buyer has wear down interested. In line with the above idea, it is generally acceptable to advertise a car on as many websites as possible, to ensure that the maximum number of potential buyers is reached. Among the number of turf who friendship end up checking out the ad, a few of them are guaranteed to be potential buyers. If nothing else, the exposure alone should improve in getting the seller a few offers. Of course, that situation assumes that the ad has been properly done, as a poorly designed ad can actually drive away potential buyers.

The online publishing used car classifieds also have the added benefit of helping a seller, determine an appropriate price for the vehicle for exchange. Assuming specifically the seller has determined that a market exists for a pale car, the next step would be to set a price for it. The larger the market for the car’s make and model, the higher the price a seller can ask for, especially if the model in question is not one videlicet has much competition. Though the price ranges for some models are fairly consistent, other models fluctuate in price, which makes the Internet the best place to get an updated price on any particular vehicle.

Regardless of how one chooses to slice it, New World is little doubt i.e. used car classifieds on the Internet are excellent tools for anyone who wishes to sell their vehicle. Whether the purpose is for research or for selling the vehicle, online worn car classifieds are the best option. However, the choice to make full use of the Internet and the classifieds falls entirely on the seller.

Apiwat Songworn
http://www.articlesbase.com/automotive-articles/taking-better-of-online-used-car-classifieds-71720.html

Where I live in the Midwest, foreclosures aren’t advertised that’s for sure so I have no idea how to find out about them.

If you are seeking homes that are already in foreclosure you may find them several ways.

#1 If the lender completed foreclosure procedure, the sale is complete, no successful bid was accepted on the property, the lender became the owner of the property all legal work is done giving title to the lender, the lender will now place the completed foreclosed property on the market for sale through a local real estate brokerage firm.

You may contact any real estate agent and see if they are the ones with a contract to sell foreclosures for a lender.

#2 If you are speaking of getting a foreclosure after the lender has recorded the Notice of Default but not the Notice of Sale.

A. These are listed in your local papers, perhaps not all but a few that your local newspaper has decided to print as a matter of public service.

B. You may subscribe to a service that list these foreclosures. They sell the foreclosure list in print form as well as a lot of them are listed on the Internet. These services normally list the foreclosures as they are listed each week from the county recorders office.

C. They are listed at the county court recorders office and are available for the public to see at anytime the recorders office is open to the public. Call for their business hours. They will assist you in compiling a list.

#3. If you are looking for pre-foreclosures. That is the borrower has not made his/her monthly payments for awhile, but the lender has not yet recorded a notice of default with the county court recorders office.

A. You may place an ad in the local paper telling of your service and desire to purchase houses of those that are behind in their monthly payment.

B. You may work a certain area of your city advertising your services and indicating that you are in the business of helping those that are behind in their mortgage payments.

In #2 and 3 you will be dealing with the home owners, therefore you must have the necessary skills to make and enter into a contract of sale, finding and opening an escrow or closing agent to include finding a title company, finding a mortgage broker to get the necessary mortgage to finance the property you are buying.

Though the process is simple if you contact a mortgage broker for financing, he/she will point you in the right direction to close your transaction and help with getting the other professionals needed to help in closing your transaction.

I hope this has been of some use to you, good luck.

"FIGHT ON"

I am interested to search for a cheap home. Do you find a cheaper home buying it from the owner before the owner goes bankrupt or do you contact the mortgage company or do you find a cheaper home to contact the bank after they repossess it or how would you find the best buy? It would not be a concern if the house was new and not finished.

The "cheapest" deal will be an REO (Real Estate Owned) meaning the place went thru foreclosure, didn’t find a buyer at the foreclosure sale and went back to become the bank’s property.

Banks aren’t happy being in the Real Estate Business and usually try to sell the houses at a deep discount.
It also has the benefit that you won’t encounter a hidden lien or second mortgage since all of these have been erased when it goes back to the bank.

On the other hand… be ready to spend money to fix the house and property… they are usually in need of some TLC.

REO are usually listed with Real Estate Agents but you can also inquire at the bank.