Www.HGTV.com/Smart – Win the HGTV Smart Home 2016 Sweepstakes – Enter Twice Daily

Every year, HGTV gives away a free home. Many have won one of these amazing houses. Most of these houses have great furniture and great features. The layout of these houses are also amazing. So this year, the HGTV smart home is in Raleigh, North Carolina. You can go to the www.hgtv.com/smart site to get a tour of the home. You will be able to view the first floor, the second floor and the basement. The entire grand prize is over $1.2 million.

You can browse throught hundred of pictures. I started with the gourmet kitchen. The kitchen is always the first thing that I look at in a home. There are 30 pictures of thekitchen. It looks like there are 3 ovens stacked one on top of another. That is really nice. Then there is the nice flowered tile as the backsplash. There is an island and the kitchen cabinets are kind of greyish green. That is what it looks like to me but it looks really modern. The chairs around the island are also very modern and wonderful looking. The floors are dark wood. The drop lights above the island is also great. They look like two ostrich eggs. There is a built in coffee maker. All the appliances are stainless steel. The kitchen flows into a kind of study/pantry area. It looks like a room. There is also a touch panel that leads to the garage. The touch panel can be activated using a cell phone. How neat is that? There is even a sitting nook in the mudroom in the pantry. There is even a desk area. The hardware is all satin nickel. That is my favorite. I think that looks very elegant.

The next room that you should look at is the living room. There are 19 pictures of the living room. There is a modern sculpture on a stack of books. This is the sculpture of a human head. There is also a great chandelier. It consist of glass globes. All the lighting in the house can be programmed. This means that the lights can come on and turn off at any time that you want them to come on or turn off. There is a fireplace in the living room. There is also a built-in bookcase. There is also art on the mantel. There are also sofas and chairs scattered around the living room. There are also great rugs. The floors are also made of a dark wood. There is also a great porch outside the living room. There are also great lamps around the living room. There is a staircase in the living room that goes up to the second floor.

You can also go view the dining room at the www.hgtv.com/smart site. There are 17 pictures that show the dining room. There are two wing back chairs at the end of the dining table. The dining room is right off the kitchen. There is also an elegant chandelier above the dining room. The air vent is hidden behind a stylish door. There is a rug under the dining table. The dining room is also next to the front door. There are also some ceramic pieces.

The master bedroom suite is stunning. The floor of the master bedroom is made of dark wood. There are two accent chairs in the sitting area in the master suite. There are also area rugs. There are roman shades that can be operated by remote or smartphone. There are also hanging pendant lights. There are also two large skylights in the master suite. There is also a fireplace. The fireplace is see through and goes through to the other side which is the porch. There is also a TV above the mantel. There is a frame around the TV and it looks more like a mirror than a TV. There is a door that lead to the porch. The dresser is a sideboard. There is a queen bed. The queen bed is flanked by two accent chests. You can adjust the softness or firmness of the mattress. There is also a panic button next to the bed. This is connected to the home security system.

The next thing that you should look at is the master bath. The master bath is huge and really elegant. There is a walk in shower. There is also a bathtub. It is great that there are both. It is very upsetting to me if I enter a master bath and there is only a shower. I do not understand why people think that someone would not want a bathtub. It is nice to take a bath once in a while. I usually take showers but that does not mean that I would not like to soak in a bath tub once in a while. The cabinets are light grey and the counter top is granite. The hardware on the cabinets is vintage brass. There is a TV that is hidden in the mirror. I think that is really cool as it is not visible when you do not turn it on. The toilet is in a closet. The skylight above the tub provided plenty of lighting. The skylight has a shade that can be closed by remote.

I have described just a few of the rooms in the house. There are plenty more rooms to look at and view. If you go to the HGTV Smart Home 2016 site, you will be able to view all of them and even take a quick virtual tour of the house. After you have toured the house and found that you like it, you can enter the HGTV Smart Home 2016 sweepstakes to win it. In addition to the house, you will also get a 2016 Mercedes-Benz GLC and also $100,000 in cash. This money is provided by Quicken Loans.

To enter, you will first of all have to enter your email address. Then you will have to enter your first name, your last name, your email address, your physical address, your city, your state and your zip code. You will also have to enter your phone number and your gender. Then enter your date of birth. You will also have to provide your cable or your service provider. You will then have to select to subscribe to some newsletters. These are optional so you can select any one or none at all. I selected the HGTV Kitchen and Bath as I like to look at kitchens and bathrooms in order to get ideas for my own kitchen and bathrooms. There are also sponsor offers that you can view. These too are optional. Then there are offers from the family of website. You can select any from this list or none at all as these too are optional. You can also select travel and entertainment newsletters if you want any. These are optional as well. Then you can click Enter. You can enter twice a day. Once on the HGTV website and another time on the DIYNetwork website. You can enter everyday until June 2, 2016. Good Luck!

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www.hgtv.com/smart

How Do I Buy A Good Used Car – Watch Out For This

If you are wondering how do I buy a good used car, you should be first congratulated on making a smart decision to buy a used car.  It might be only what you can afford, but it is also wise because new cars lose lots of value in terms of depreciation when you drive that new car of the lot.  But for your used car to be the best possible purchase, you have got to get a good one.  Thus, here is important advice to make sure that you are not getting taken advantage of.  It is hard to protect yourself from all the things that can go wrong when buying a used car, but this is a great way to be smart about your buying decision.  Let’s get started. 

When faced with the dilemma of how can I get a good used car, you will want to begin by doing the following.  Start by researching cars that you are interested in to ascertain their track record.  Don’t just get sucked in by a great paint job and familiar brand.  Research vehicles to see which one seem to have the fewest issues and, more importantly, the least costly ones.  Also, don’t get emotional when it comes to buying a new car.  Plan on taking your time and take a friend with you.  Tell that friend that you will not buy a car and, if you try to, have them tell you no.  You will often times encounter a high pressured sales pitch.  For example, they might say that their deal is only good right now.  Don’t miss out.  If you get these quips, I would encourage you to walk away.  Instead, work with dealers that you know have a great reputation in the community.  

With the type of vehicle you want and potential places to shop for a used car identified, start looking.  Many of those reputable dealers will have online pages for you to peruse.  So spend some time searching those pages to see what you might find.  These resources work well because you can often times sort by certain requirements.  For example, you can state what type of vehicle, acceptable year ranges, and the all important price points you need.  This helps you save a lot of time and, potential money, by letting your fingers shop for your.  You don’t have to ride from dealership to car dealer to see the inventory.  Make notes of what you have found and what you like.  One thing you might consider is looking at dealers that offer pre owned certified vehicles.  I like this approach because these programs usually involve an inspection that is performed to make sure the car is up to snuff to meet their standards.  That makes me feel good knowing that the car has been looked over already in most cases.  One such entity that offers pre owned certified vehicles can be explored via the www.bmwusa.com/certified page.  

Then, the next step in the process of how to find a good used car is to start researching prices.  There are many sites such as KBB and NADA that can potentially help provide some insights. You want to know what a car is worth. There are many factors that can influence the cost of a vehicle.  In other words, a car manufactured in the same year and same model will not necessarily be the same price.  Hence, you want to look at the number of miles that are on the car.  You will also want to examine the condition of the vehicle.  For example, does it have dents and dings, or has it been flawlessly maintained. In addition, you will want to see what features come on the vehicle. Two cars might be the same make, model, and have the same mileage, but might be dramatically different in price because one car might have a bigger engine.  Furthermore, the one with the more powerful engine might also have four wheel drive.  Thus, make sure you are comparing apples to apples when comparing used cars. 

With what constitutes a good price in mind, let’s focus on what to watch out for.  You need to check and see if your car has been involved in an accident.  There will be different methods by which to research this history.  Also, you will want to try and ascertain if the car has been considered salvaged or a total loss. You will most likely want to steer clear of those vehicles in my opinion. 

Next, when asking how can I find a great used car, you might explore private parties that are selling them.  From my experience, you can usually get a better deal from a private seller, as he or she won’t have all the overhead that a dealership might have.  Make sure that you test drive the car and more importantly, make sure the car is in good working order.  You might have a friend who is very car savvy who can help you out, but I think it is best to take it to a mechanic and have them examine it.  That will give you peace of mind ideally. 

Finally, the best way to get a great deal on a used car is to spend less than you have budgeted.  For example, if you are asking how do I buy a good used car under 5000 embrace the tips mentioned above, but try to spend less.  Remember, you will have to pay for your license and registration most likely.  In addition, don’t forget insurance.  Thus, if you spend less than you have budgeted, you can put the savings back into your account and have money in the event something needs repaired.  I personally like buying used cars that come with a warranty. Thus, if your budget allows, seek out certified pre owned cars and explore their warranties.  I like the pre-owned car warranties I read about on the bmwusa.com/certifed site.  Shopping with dealerships that offer such protection help me feel like I am making a good decision.  In closing, do your research to find the car you want, check out general prices for similar cars, take your mechanic with you, and don’t get pressured into buying a car you don’t want or can’t afford. 

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how do I buy a good used car

How Do I Get Ahead Financially – It’s Easier Than You Think

If you are asking how do I get ahead financially in life, you will be surprised that it is easier than you think.  But while the steps are easy, adhering to them might be difficult.  However, if you don’t know where to begin, then the steps might not be all that simple. Thus, to get you on the right path, I’d like to share with you the secrets you need to be secure in your current life and your future.  Many people think that social security will be there for them when they get older.  However, the reality is that it might very well be there, but will it cover all your needs?  Chances are it might not.  Thus, you can’t be relying on that solely.  Let’s get started with how you can take back your financial life.  (more…)

Www.NationwideAdvantageMortgage.com – Nationwide Advantage Mortgage – Manage Account Online

Www.NationwideAdvantageMortgage.com – Nationwide Advantage Mortgage Loan or Refinancing – Manage Account Online

You can go to the Nationwide Advantage Mortgage website at www.nationwideadvantagemortgage.com if you are looking for a mortgage loan. If you are ready to buy your new home then you can get your first home loan here. You will be able to find the loan options that fit what you are looking for. This includes competitive rates and fixed rate loans. You will also get low down payments. Nationwide even guarantees the best price. If they do not offer you the best price then they are willing to pay you $300.

So if you are ready to get your mortgage loan here at the www.nationwideadvantagemortgage.com site, you can investiage the types of mortgage loan offered. This includes fixed mortgages, adjustable rate mortgages and jumbo mortgages. The fixed mortgage loan provides you with a great interest rate that will not change until you have finished paying off the loan. If you want to stay in your house for a long time, then this is the loan for you. If you feel that this is not the one for you than you might want to consider something else depending on what you want. For example, if you want to stay for only 3 to 10 years in the home that you will be buying then you should think of a lower introductory interest rates in an adjustable rate mortgage. This is not for everyone so be careful that you chose the correct one.

Now if neither of this is for you, then you might want to think about the Jumbo Mortgage. This is for a loan that is more than $417,000. If you plan to do this, you should be aware that you will have a higher interest rate. If you are fine with that, then this is something that you may want to consider.

If you already have bought a home, then you can also get refinancing here. When you decide to do this, it can actually lower your monthly mortgage payment. This is especially true if you have a very high interest rate on your mortgage loan. So if you bought your home when the interest rates were higher you can refinance and get a better interest rate. This can lower your monthly payment considerably.  In addition, you will also be able to shorten the term or even replace one type of loan for another. Furthermore, if you need money for other things like renovations to your home or paying for college or even paying off your high interest debts like your credit card debts, you may be able to use the equity that you have in your home. This is a very good way to get out of debt.  So instead of using the debt consolidation companies, you can actually refinance.

If you decide to refinance, your application can be processed much faster as there is less information that you have to fill out. You will also be able to find out if your application has been successful literally in minutes. You can do this online or via the phone. There is also the Refinance Calculator that you can use online.

Now if you already have a mortgage loan with Nationwide, you will be able to manage your accounts online. This means that you will be able to pay your mortgage online. However you need to be aware that there is a fee attached to this.  You will of course first have to create an account. You can also set up an automatic loan payment. I always have a tendency to forget to pay my mortgage. So this is definitely something that I would do. In fact if you do this, you will not be charged any fees. This is much better than paying online. So do set this up so that you do not have to worry about paying on time.

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