Archive for the ‘Parts And Accessories’ Category

100% Mortgage Financing A Way To Avoid Private Mortgage Insurance

By Carrie Reeder

Ideally, traditional mortgage lenders want new homebuyers to have a 20% down payment when purchasing a new home. Thus, if purchasing a $200,000 home, you should be prepared to have $40,000 as a down payment.

Unfortunately, many people do not have this kind of money lying around. For this matter, private mortgage insurance (PMI) was created as a way for mortgage companies to recoup their money if a homeowner defaults on the loan. There are various loans available to assist people with down payments. In some instances, homeowners can obtain 100% financing, and avoid PMI

What is Private Mortgage Insurance?

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Because Americans are earning less money, and home prices are steadily increasing, the majority of the population is unable to save the recommended down payment of 20%. In order to make owning a home possible, mortgage companies created a particular mortgage insurance, (PMI), for people with less than 20% to put down on a home. This insurance protects the lender if you default on the mortgage.

How to Avoid Paying Private Mortgage Insurance

On average, PMI may increase your mortgage payment by $100 – sometimes less, sometimes more. However, there are ways to avoid paying this additional insurance. The obvious involves having at least 20% as a down payment. If this is not an option, homeowner may agree to a higher interest rate. Another tactic entails getting approved for 100% financing.

How Does 100% Mortgage Financing Work?

100% mortgage financing makes it possible to buy a home with no money down. Also referred to as a piggyback loan or 80/20 mortgage loan, 100% mortgage financing involves obtaining a first mortgage for 80% of the home cost, and a second mortgage, or home equity loan, for 20% of the home cost. Together, the first and second mortgage allows a home purchase with no money down, and no private mortgage insurance.

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Hammock Hanging Without Walls

Hammock Hanging Without Walls



The first, and perhaps the easiest solution, is to use a hammock stand. Since the Mexican, Central American, and South American style hammocks that are most appropriate for indoor use don t fit well in the standard hammock stand you will need to use a stand such as the Vario Stand, which is adjustable in length and height, and can accommodate these hammocks.

The pros of using a stand include no construction and easy portability. The cons include having a large object taking up floor space.

The second solution would apply in a situation where the structure does not lend itself to hanging the hammock where you want it; but where there is no prohibition against attaching construction to the walls and ceilings. We used this method in one of our hammock shops where the walls were a little iffy.

First you will need structural lumber such as two 4×4s which are long enough to span from ceiling to floor.

Then you will use angle braces to attach the 4x4s to the ceiling joists and flooring. If you can, you might countersink some long wood screws into the wall studs.

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This is the basic method. You may have to adapt to your specific situation.

The pros of this method include the possibility of a sturdy support just where you want it in a situation that might otherwise not work out.

The cons, of course, are that it is a bit of work, and you have marred the ceiling and floor. This is a method to use for long term installation.

The third solution is for use when you desire a sturdy installation but cannot attach to the room structure or mar any of the surfaces.

The process here is to use a pair of Ellis screw jacks to compress two 4x4s between floor and ceiling.

You will want to protect the floor and ceiling by using sections of 2×6 or 2×8 lumber to distribute the load.

Screw the bases of the jacks into the 2x8s.

You will then span the cross room distance with two 2x4s strapped together at intervals. These will need to be attached to the tops of the verticals using screws and straight straps.

The jacks are rated to 6,000 pounds at the 7 foot extension, and the 4×4 verticals are rated to 2,000 pounds, while the spanning 2x4s [doubled] are rated to 800 pounds.

The pros of this installation include having a very sturdy arrangement which can be easily removed if necessary, leaving no trace behind.

The cons may involve problems with the WAF (wife acceptance factor), if applicable.

So, with a little bit of work and a lot of love you can hang em high, and lay low. Happy Hanging!

For tons of information about


, and the best selection of the world\’s most comfortable hammocks visit

. Tommy Hamaca will help you find the perfect


for home or garden.

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Yamaha Yzf 250 R4 Appealing Looks And Great Functionality

Yamaha YZF 250 R4 – appealing looks and great functionality



Yamaha is the most popular company known for producing classic bikes. This time the company is manufacturing 250 cc bikes in India. The market already has lots of 250 cc bikes launched by the company Honda. Thus this bike from Yamaha will give the tough competition to the other bikes. This is the masterpiece made by Yamaha which comes with amazing looks and stunning performance. If you will have a look at the bike you will get to know that this is and the serious competitors. The other different bikes prices in India are relatively low as compared to the features they pose. The other Yamaha bikes price depends on the features and performance they offer.

Although the design of this Yamaha model is very appealing, it is observed that the Yamaha has got this looks from its sibling YZF R6. Few of the features included in the vehicle are tanking, rear view mirror, headlamp, under fenders, rear fender and tough looks which increases its demand in the Indian bike market. The handle of this Yamaha model is less sporty which makes the rider to bend while riding. The brakes are dual and are applied to the front tires.

Usually the

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Yamaha bikes

are known for powerful engines and are made perfect for the Indian streets. The average mileage of this 250 cc bike is declared to be 30 to 35 kmpl and the highest speed given by the bike is 145 kmph. The engine of the bike is air cooled and has 4 stroke engines. Also, it possesses a V-twin and is fused with OHV valves every cylinder. The compression ratio can be 8:4:1 and the stroke and bore are measured at 97.0 x 113.0mm. This bike is great for the young people who are crazy for speed and the looks.

The Yamaha Company has stated that this bike will generate approximately 32 bhp of the power and the torque could be 100.3 Nm at 2,750 rpm. The bike comes with an electric start and has 5 speed gears to provide tremendous speed and decreased consumption of fuel. The machine of the bike is made of number of disc clutches and also it has the T.C.I. ignition system.

The bike has got not only the excellent features but also it takes care of the safety features and has rear suspension called as a Swing arm and the rear wheel provided is of 117 mm to offer safety and balance. The bike will come with the aluminum frame with CF die cast having double cradle.

Yamaha has not revealed the specification of the bike but the

Yamaha YZF 250 R4 price in India

is around 2, 50,000.

Wilson Roy is a well known author and has written articles on

Yamaha YZF 250 R4 Reviews

, Laptops store,

Yamaha YZF R1 price in india

, online shop and many other subjects.

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