October 17, 2001

Welcome to 0nly4Homebuyers Issue 37.
You are receiving this newsletter because you
or someone subscribed you to our list.  If you
do not want to receive any more issues go to
yahoogroups using this link
http://www.yahoogroups.com/group/0nly4Homebuyers

ATTENTION READERS!!
Please let me know what kinds of articles you
would like to see in this newsletter! If you have
a suggestion for an article or just want to learn
more about something please let me know!
mailto:cmc@...?subject=SUGGESTION

******************************************************
Loans America allows you to shop hundreds of
lenders with just one click. Fill out one loan
application and within 24 hours you will receive
a response from the best loan offer for your
specific lending needs.

This is the easiest way to shop for all types of
loans. You can compare your offers and choose
the loans that are best for you. It's FREE!!
http://www.mortgageloansamerica.com/cgi-local/af/b.cgi/352
********************************************************
In this Issue:
Home Decorating Tips
The Basic Contract
********************************************************
Home Decorating Tips

By Victoria Walker
 

Do you want to create a new look in your home without
spending a lot of money? You can change the look and
feel of any room by adding a few inexpensive
accessories. Items such as paint, pictures, and
plants can add charm to any room in your house.

Changing the color of your walls from white to a warm
pastel or a rich, vibrant color can make an enormous
difference in the room's ambiance. You can purchase
paint inexpensively at departments stores like Walmart
or Sears. Try selecting colors that will compliment
or match your furnishings. For even more style, you
can add a wallpaper border to liven up the room's
appearance. Choose a border that compliments the
colors of your paint. To add a sophisticated look
to any room, paint the lower portion of the wall,
about the lower three feet, in a darker color and
the top half of the wall in a softer color. Place
the border over where the two colors meet. This
adds a stylish, sophisticated attraction to any room.

Pictures can add a personal touch throughout your
home. Bare walls make a house look boring and empty.
To jazz up the scenery in your rooms, use a variety
of photographs on the walls in each room.  Display
a variety of pictures, some of your family members
and some artwork or scenery pieces. Arrange the
photographs in offset positions; it adds more
interests than simply hanging the photos side
by side. Mirrors are also great to use as decorations
and can add charisma and flair to any room. When
used in small rooms, mirrors can actually help make
the room appear larger. For rooms with windows, place
the mirror on the wall opposite the window.

If you don't have plants and flowers in your home,
you'll be amazed at what a difference they can make.
Place a variety of plants and flowers throughout
your home. They bring warmth and style to every
room in the house - the living room, bedrooms,
the kitchen, and even bathrooms. You can use live
plants and flowers or silk ones, or a combination
of both.  Use a variety of settings to display your
plants.  Wicker baskets, decorative boxes, or vases
can be used as plant holders for silk plant arrangements.
Arrange plants in plant stands or along the top
of bookcases, entertainment centers, or shelves.

With the simple addition of color, pictures
and plants, your house will be transformed
to a more inviting and charming home.

Copyright 2001,Victoria Walker All Rights Reserved

Victoria Walker is a Freelance Writer and
Floral Designer and owner of Flower Baskets by
Victoria, an E-store located at
http://ebaystores.com/flowerbasketsbyvictoria
Visit her website at http://victoriawalker.com
or email her at Victoria@...
 

*******************************************************

Get Your FREE Credit Report Online!
http://www.freecreditreport.com/index.asp?sourceid=00330369271252964074

***************************************************************

Loans America allows you to shop hundreds of lenders
with just one click. Fill out one loan application
and within 24 hours you will receive a response from
the best loan offer for your specific lending needs.
This is the easiest way to shop for all types of loans.
You can compare your offers and choose the loans that
are best for you. And best of all its FREE!
http://www.mortgageloansamerica.com/cgi-local/af/b.cgi/352

***************************************************************
THE BASIC CONTRACT
 
 

No document is as important to a real estate
transaction as the sales contract. The wording
of the contractcontrols all of the terms of the closing.
 
 

Most contracts are drafted on the first form
found in the drawer or on the shelf of an office
supply store. Often a buyer pays extra expenses
because he uses a form designed for a seller's benefit.

The minimum that a contract must contain to be legally
enforceable is:

1. Identification of the parties

2. Description of the property

3. Clear terms of payment

4. Some consideration

5. Acceptance by all parties

A contract is an offer until it is accepted by all
parties and acceptance conveyed to each party.

This offer is submitted to the agent of the seller
and the seller and they may Accept it, Reject it,
or Make a counter offer

The deposit or earnest money (consideration) is
generally placed in an escrow account.
 
 

Risa Saltman, ABR,CRS, is a real estate agent
with RE/MAX Town and Country Realty, Inc. Orlando, Fl,
see http://risashomes.com email risa@...
**************************************************

Need help cleaning up your credit? Professional agency
can help you get things back on track! If you are
having trouble paying your bills, visit this site.

http://www.johnsonlane.com/creditcenter.asp?Tag=008055&Agent=127

*************************************************************

What's the hottest selling product on the internet?

   *****INFORMATION PRODUCTS*******

Now anyone can earn money simply by referring
friends to a website!  If you have dreamed
of making money using the internet, now
is your opportunity.

Receive $15 INSTANTLY with DirectPayList.
DirectPayList is a NEW Revolutionary way to
sell eBooks and Make Money Online. Earn $15
for each sale. Money instantlyappears in
YOUR PayPal account!

Refer 1 person and receive $15 instantly in
your PayPal account. Earn $450 a month just
by referring 1 person a day! This program is
so simple, anyone can do it.

Make money selling the HOTTEST products of
our time. No limit on how many people you can
refer. Once you are a member, the ebooks
are yours to download at NO extra charge.
Currently there are six ebooks all by well
known authors and more to come!  Download
them all right now.

Join today and make money instantly!
For more info, please visit
http://www.directpaylist.com/index.asp?ref=1364

What is Paypal?  Paypal is the easiest and fastest
way to send or receive money via the internet.
Don't have a Paypal account?  It's easy, Go here
and get one.  It's Free! Sign up today!
https://www.paypal.com/affil/pal=csnyder1%40sc.rr.com

****************************************************

A POWERFUL WAY TO SAVE! Savings on Hospitals &
Physicians, Dental, Prescriptions, Vision,
Hearing Aids, Alternative,Chiropractic and more!
NO Claim Forms,  NO Limitations!  All Pre-existing
Conditions Accepted! This is not insurance!  Entire
Family For $54.95 Per Month including savings on
Lasik Vision Correction and MUCH more!
http://www.careentree.com/firsthealth
No time to go to the website? Get Instant info
delivered straight to your email inbox.
mailto:creativehealthcare@...

WORK AT HOME OPPORTUNITY.Marketing Reps needed!!
mailto:cindy@...?subject=REP

***************************************************
Here is a special offer for 0nly4Homebuyers Readers!!

FREE Software now available from Sega, IBM, Disney,
Simon & Schuster, Crayola and many others!

Click here: http://www.freesoftpromotions.com/101402/
<a href="http://www.freesoftpromotions.com/101402/">
AOL Members Click Here</a>

All titles are full-version, CD-ROMs
(not shareware or demos) currently sold
in retail outlets for as much as $50 each.

Act today while supplies last

Brought to you by FreeSoft Promotions
in conjunction with Sega TM, IBM TM,
Simon & Schuster TM and Crayola TM.

Below are just a few of the 1,000's of
titles that are ALL FREE!
Pay only for shipping and handling!!
Visit our website to see more.

American Heritage -History of the US
Chessmaster 5500
Crayola Magic 3D Coloring
House Beautiful 3D -
Inside the SAT & ACT
Reader Rabbit
Resumes That Work
Road Rash
Think & Talk French
Virtua Fighter
World Book
Worldwide Soccer

http://www.freesoftpromotions.com/101402/
<a href="http://www.freesoftpromotions.com/101402">
AOL Members Click Here</a>
****************************************************
Please feel free to share this newsletter with your
friends. If you have a suggestion for an article,
please email me directlyand tell me what you would
like to see! mailto:cmc@...
If you would like to read more articles about
buying or selling a home,please visit our website
http://www.creativemortgageco.com/

Til next time.  Have a great month.
Cindy

To subscribe--- mailto:0nly4Homebuyers-subscribe@yahoogroups.com

To Unsubscribe--- mailto:0nly4Homebuyers-unsubscribe@yahoogroups.com

Or go to -- http://www.yahoogroups.com/group/0nly4Homebuyers

If you have any problems with subscribing or unsubscribing,
please emai lme directly mailto:cmc@...

***NOTE**** The 0 in 0nly4Homebuyers is a ZERO!!