Not all home buyers end up closing on the home that they put an offer on. Things happen and deals do fall through. This happens for several reasons. The top reasons are financial approval fell through, the seller and buyer got along poorly, the sellers decided not to sell the home, and the condition of the home was worse than the buyer originally thought it was.Once the home purchase has been cancelled the first home buyers usually look at other homes. The sellers are now left to hope another buyer comes along. The home inspection report is often shared with the real estate agents and the seller. Erroneously this home inspection report is sometimes shared with the new home buyers. This is an error for a couple of reasons.The first reason is because the second buyer has no contract with the home inspector or the home inspection company. Because there is no agreement/contract if the second buyer has an issue with the home claiming that the home inspector missed a major issue there is zero responsibility for the inspector to take care of them. There was zero legal obligation.Another reason is that the new home buyer was not present at the inspection and therefore has not idea what conversations the former home buyer and inspector had. This can be vital information. Sometimes in the inspection agreement the buyer request somethings not be inspected so the report is not as whole as the new buyer may believe.The last reason I am giving here for not relying on the home inspection report created for a previous home buyers has to do with your warranty. To help sell homes agents and sellers will often buy a home warranty for the new home owner. However most home warranty companies will not repair a lot of your issues if you did not have a home inspection completed for you. I spoke with a home warranty rep and they do depend on the home inspection report to determine if items such as your furnace or air conditioner were working when you bought the home. If you do not have your own inspection report to verify that things did operate when you bought the home then you are out of luck and the warranty company will not pay to fix your broken stuff.If you are buying a home that was previously inspected then you need to have your own inspection done to be protected as fully as possible. If anyone tells you that it is fine to use the previous home inspection report they are wrong. Your are not protected well at all. When Habitation Investigation does a home inspection the client has the ability to get an 18 month warranty for the fee of 12 months. Habitation Investigation also provides warranties such as sewer line protections, 5 year roof leak warranty and 90 day warranty on structural and mechanicals. All those things are there for the home buyer if Habitation Investigation does the inspection for the clients who buy the home.

There are few business credit building companies out there, however, those that are out there are taking advantage of the lack of knowledge from the general public regarding business credit and how to get a business loan.DON’T LET THEM RIP YOU OFF!I’m going to try to show how to get unlimited capital for your business…Without risking your personal assets, lowering your personal credit score, or damaging your personal credit historyThese 8 Simple Questions will ensure Your Success Building Business Credit when looking for a Small Business LoanThere are simply too many people who hire business credit building companies that are not happy with the results. Before choosing another company, if you ask these 8 questions you will be assured that you will be working with a legitimate company who can help you build business credit and more importantly get the small business loan you seek. Getting that business loan is after all what you’re looking for, isn’t it?Why is it so important to work with knowledgeable advisor? Why can’t you do it on your own? The Fair Credit Reporting Act does not apply to the business credit bureaus; this means that if you make a mistake, skip a step, try and take a short cut, your business credit file can be “Red Flagged.” This means your company is prohibited from receiving credit and perhaps that elusive business loan.There is a proven step-by-step process that MUST be followed if you plan on properly building your business credit and getting working capital. If you don’t follow the proven process then you can be put into the “High Risk” category. When that happens, no lending institution will give you a cash advance or small business loan and there is nothing you can do to remove it.Make sure to choose a honest credit building company that has the knowledge, experience and proven systems to support you, before you decide whom you will work with, make sure to ask them these 8 vital questions.Question #1Will I be obtaining only trade credit or CASH credit?Be careful, there are a number of companies out there that will only help you obtain trade credit. Trade credit can only be used with the individual creditor, and nowhere else. This is great if you need $3000 of paper products, but is useless if you need payroll loans, inventory loans, or simply to cover business expenses or expand your company.And if it is CASH credit, will I always need to personally guarantee the application?”If the company says you will always have to personally guarantee all types of credit – then you are NOT receiving the full benefit of business credit. Keep in mind, the solution must introduce you to business funding services that will not require a personal guarantee, however these non traditional lenders will still be checking your personal credit and need your social security number. They do this to stay in banking compliance.Question #2:Will a trained coach show me, step by step, how to incorporate my business and build business credit with an eye to getting that merchant loan or business loan?My guess is that if you wanted to figure out the intricacies of incorporating your business, and building corporate credit on your own… you would have already done so. (I’ve done it. And believe me… this is NOT stuff you want to muddle through on your own.)So if you won’t be receiving step-by-step instructions supported by a trained credit coach, resulting in a predictable successful outcome, call another company. (I’ll spell out each step for securing business loans without traditional personal guarantees in crystal clear detail in a later article).Question #3:If I get stuck while I’m taking all those necessary steps, will I have to pay you hundreds or even thousands to help me figure it out?Many companies charge low fees up front and continue to tack on heavy, additional charges each time you call or write for help.Make sure they deliver everything you need to know to secure a bad credit business line of credit or high risk business loans, all without the traditional personal guarantee. Make sure you will have access to a dedicated coaching advisor and who places no limits on how often you can speak with them.Question #4:Will you have the ability to set up capital loans, and monitor the development of your business credit score with all major business credit agencies all within your coaching platform?Why work with an advisor who is trying to blindly lead you!Question #5:When companies promise to get you cash credit, ask them this pointed question: “What type of paperwork is required to get cash lines of credit?Beware of companies that say it is not required to furnish any financial statements, tax returns, business plans, bank statements, etc., to obtain a small business loan without a traditional personal guarantee. When it comes to getting approvals for cash advance without a traditional personal guarantee, you will need to show that your company is financially responsible and you do this by showing it earns revenue, pays its bills on time and has establish good business credit.If the company tells you that you can obtain this type of financing without providing any real documents, don’t bother working with them, they are not being honest.Think about it, is a lender really going to give you hundreds of thousand of dollars without a traditional personal guarantee without you having to show them that you are a “safe-risk?” Over time I will show you exactly what you need to do in order to become a safe risk and secure a small business loan.Question #6:How are your coaches paid?This is a really important question! How would you like to work with someone that could care less if you obtain the business loan you desperately need? Think about it!Question #7:When it comes time to apply for a business loan, are you going to pass me off from lender to lender?This is another very important question. Virtually every credit building company will, when it is time to apply for a business loan, pass you off to one lender to apply, and then tell you to go and apply at the next lender and so on. They literally end up sending you on a wild goose chase and just hope that one of the non traditional lenders can obtain capital loans for you. Does this sound like something a real business credit and financing expert would do?Question #8:What kind of a guarantee do you offer?”It’s critical to get the specifics about guarantees. Because most companies that offer guarantees or promise only that your corporation will get a 80+ Paydex score. While this is a start, it’s not good enough -If after completing your program, you should have:Corporate Compliance and documentation reviewD&B file and a D&B ratingD&B Paydex ScoreBusiness credit file with Corporate Experian with an intelliscoreBusiness credit file with business Equifax with the appropriate business credit score.Trade accounts and/or Vendor Accounts with and without a personal guarantee.A Business Credit that can be used to leverage financing opportunitiesThis is not, by any means, a comprehensive list of all the questions entrepreneurs should ask when it comes to building corporate credit. But if you address these costly and dangerous errors, you will be on your way to building a safe, secure, and financially sound business-the business you always dreamed of!Hopefully, these 8 questions will help ensure that you work with a credit building company that will be honest, upfront as well as help you successfully establish your business credit and leverage it into new small business loans and opportunities for your business.

Styles change faster than the weather, making it really challenging for the average fashion diva to know which fashion trend to follow. Are the skirts long or short this season? Are we wearing the jeans with a bootcut, or are we going for the pencil style? And what about the tops to pair with the bottoms? It’s enough to drive the fashion conscious mad, but fortunately, there is a solution to this fashion trend dilemma. Whether you like to get your fashion news online or in print, there are plenty of resources to alert you to the latest and greatest so you can look “in” whenever you head out.Magazines Print magazines may seem a little passé in an electronic world, but these publications are still one of the best ways to find out which fashion trend is in and which are most definitely out. Pick up one or two at your supermarket check out the next time you are grocery shopping or browse the newsstand for some glossy selections. Many of the magazines that were popular a decade ago are still in “Vogue”, so you are sure to see some familiar titles out there.The Internet If you spend most of your day staring at a computer screen, there is no reason why you can’t do it wearing the latest fashion trend. There are plenty of fabulous websites that will keep you up to date on what the fashion latest trends look like. Once you find the styles you love, you can even grab your credit card and point and click your way to a fashion spree online! To ensure that you really are looking at a latest fashion trend online, check the website for a current date for the posting.The Television Maybe you don’t want to look like a desperate housewife, but you can certainly learn “What not to Wear” from your own television set. There are plenty of great fashion reviews on the tube that will give you the latest news on the newest fashion trend, including ideas for accessorizing and where to go in all the latest fashions. Hair and makeup trends will also be reflected on this international medium.Keeping up with the latest and greatest fashion trend might seem like more time than you have, but there are plenty of places that you can go to quickly and easily get all of the fashion news you need. Whether you prefer to curl up in front of the television or computer or with a favorite magazine, learning about fashion trends is as easy as an evening at home.

Northern Michigan is the perfect travel and vacation destination with something to offer for everyone: Golfing, fishing, hiking, boating and other water activities to name just a few. With so much to offer and so much to see, making your vacation plans could be complicated, and with travel expenses and the price of gas higher than in more recent years, getting the most for your vacation dollar is important.Choose Boyne FallsMaking Boyne Falls, Michigan your travel and vacation destination will give you and your family more things to see and do in Northern Michigan and save money.o    Boyne Falls is centrally located to hundreds of the most popular vacationing activities.o    Only 6 miles from Lake Charlevoix, offering free boat launching, with plenty of free parking right on the lake.o    Minutes away from shopping, and dinning choices offering tasty burgers to exquisite fine dinning.o    Only 50 miles away from the Mackinaw Bridge.o    Home to the Annual Polish Festival held the First week of August.o    Boyne City Morel Mushroom festival.o    Close to dozens of Northern Michigan wineries.o    Enjoy golfing on some of the most popular courses in all of Michigan.o    Access to hiking, biking, fishing and almost endless possibilities of other fun and exciting things to see and do.The winter season is just as exciting and popular for your next vacation plan as well. Boyne Falls is located right next to Boyne Mountain and less than 30 minutes away from Nub’s Nob, and many other exciting snow skiing and winter sports locations. There is even hundreds of miles of action packed snowmobile trails that start in the Boyne Falls area.Comfortable Inexpensive LodgingThe focus of your vacation is going out and doing and seeing things, and the cost of lodging shouldn’t be a burden to your budget. By staying in Boyne Falls you can save hundreds of dollars on lodging, and get all of the creature comforts that those higher prices hotel chains offer at almost double the price. There are many local motels in the area that offer the same amenities as the more higher prices hotel and motel chains, but change up 60% less, and with savings like that you put that money back in your pocket where it belongs and have more money available to see and do more on your vacation!The bottom line in planning your vacation is to get the most value for your money and open up your options for sightseeing, and just having more fun, and Boyne Falls can make all of that a reality for less money and offering more fun all at the same time!o    3 airports super close, with one right in town, one 6 miles away in Boyne City, and Pellston Regional Airport only 35 miles away serving many major airlines companies.o    Access to local rental cars, boats, jet skis, bicycles.o    A large variety of shops and stores for your convenience.o    Perfectly located to all of the areas more popular tourist, and sightseeing attractions.There is truly something for everyone in Boyne Falls. Isn’t it time you vacationed in Boyne Falls Michigan?

Do you need cash quick? Are you going through a financial bind? Well there are may different solutions out there for you. You can cut some other costs around the house to be able to get some cash. You could always sell something around the house that you haven’t been using lately too. If you don’t get too embarrassed you could get a loan from a family or friend.These are all possible solutions for you. For some people these are all great solutions. For others, they may need the cash more urgently and don’t have friends and family to get cash from. In this case then you may wish to get involved with payday loans.Payday loans are a great solution for many financial problems that you may face. The way it works is that you can get a quick loan of around 200 dollars to a thousand dollars within minutes. Very little information and things are required. There is no long sheets of paper to fill out with tons of information either.Its simple, they simply need your basic information (telephone number, address) which takes minutes to complete. As long as you are at least 18 years of age you qualify for these loans. Cash can be in your hand in minutes!These loans are especially useful if you are in a stressful situation. Something that could be stressful might be a car accident where you need a new car soon or possibly some medical expenses. Or maybe you simply need some extra cash to get you by until your next pay check.Whatever the case may be, these loans definitely come in handy. After you fill in the basic information needed you will be able to get your cash within 24 hours time! Now imagine if you were to go to a bank for this. If you went to a bank then you would need to fill out mounds of paperwork. They will do a long credit check to see if you qualify and maybe they wont even want to lend you such a small amount of money. In the end you may not even qualify for the loan.After you have the cash in hand you will just need to make sure that you pay it all back about one month later. If you are looking to save time as much as you can you can try payday loans online. You can get instant payday loans just as easy online as you would in person. Except you won’t have to leave the convenience of your own home. If you have bad credit then don’t worry, bad credit loans are not a problem for payday lenders such as Moneytree and cheque to cashIf you were to do it online you could even get the cash directly deposited into your bank account. This is called savings account payday loans. This can come in real handy if you are not able to leave your home. More and more people are doing their loans online now because of its high convenience. Don’t worry about leaving your home because you can get it all online now.There are numerous reasons why you should consider getting the right payday loan for you. The payday lenders can be very flexible if you are needing some extra help. Don’t worry about so much regulations and forms to fill out like you would have to at a bank. You can work with the payday loans members to get the right plan for you. It is called a payday loan because you get the loan and it is designed for you to pay back after your next payday. So, all in all this is the process.You go down to a payday loan service or go online. Fill out about 2 minutes worth of basic documents which only require that you have a job and are 18 years of age. After the papers are filled out you can get the cash within 24 hours. The members are nice and helpful and will help you get started. Just tell them the problem and they will help you work out something. It’s that simple. Learn more about it all now and overcome your financial hurdles!

If you’re new to gardening and are looking for an easy way to grow organic food, I have the perfect solution for you. In this article I will give you a real-life EzGro Garden review. This was the first hydroponic system my family ever used. We were complete novices when we purchased the EzGro garden. I have to admit, this system was what started our gardening journey. After several years of enjoying strawberry harvests we were hooked! If you’re ready to learn more about the EzGro garden, read on for some great information.What is the EzGro Garden?The EzGro Garden is a simple, low-maintenance hydroponic system. EzGro Gardens are very efficient systems that require minimal space and are very low maintenance. It might surprise you to know that hydroponic systems actually use less water than soil based gardens. It’s true though.EzGro offers two different types of systems: the outdoor hanging garden and the patio garden. If you’re ready to start growing healthy, organic food right on your patio you should consider an EzGro Garden. If we can do it, you can too!EzGro Patio GardenI don’t want to leave anything out in this EzGro garden review, so let me begin by telling you about the EzGro Patio Garden. The patio garden is a compact vertical garden designed to be used on your patio or deck. It stands 4 feet tall and can grow anywhere from 20-80 plants. When you purchase the garden patio kit you will get everything you need to start growing right away. All you need to buy are seeds! Once you fill the reservoir and set the timer, this system practically runs itself. It’s fully automated. All you need to do is check the reservoir tank every 10-14 days. You simply fill the reservoir with water and add nutrients, that’s it!The cool thing about the EzGro Patio Garden is that it can be used indoors as well. So you can avoid the harsh weather in the winter if you have a sunroom or sunny window with plenty of natural light. Once you purchase the EzGro garden you will be hooked for life, just like my family. This is a lifetime system. All you’ll need to purchase in years to come are additional nutrients and seeds for growing. How great is that?Included:* 5 Quad Pots, to grow 20 to 80 plants
* 5 gallon Reservoir Base & cover
* Irrigation Pump, tubing & timer
* Diffusion Cup
* Measuring Stick
* EzGro Nutrients, 3 part mix makes approx. 50gal
* EzGro Organic growing Medium
* Directions for useEzGro Hanging GardenThere EzGro Hanging Garden is a smaller option that can be hung from a tree, balcony, patio or anywhere you would hang a planter. The system holds 12 to 48 full sized plants, and comes complete with everything you need. If you want to grow strawberries, you may want to consider purchasing the hanging strawberry garden. It includes 25 strawberry plants. So you literally need nothing to start growing right away.Included:* 3 Quad Pots, to grow from 12 to 48 plants
* Diffusion Cup
* Chain Assembly
* EzGro Nutrients, 3 part mix makes approx. 50gal
* EzGro Organic growing Medium
* DirectionsI promise you will be impressed with the quality of these products. They make growing hydroponic veggies, fruit and herbs simple. It’s so EZ (easy) you will be impressed, and the guests who visit your home will love to see your lovely garden. These systems are not only a great investment, but they are a great focal point. A growing garden is a beautiful thing. Why not get your EzGro garden today? Impress your friends and family, impress yourself. Go ahead, what are you waiting for?