Computer Games For Kids
Finding computer games for kids these days seems to be impossible, the market is saturated with computer games full of blood and violence. Another common problem is that the games are too complex for children aged between six and fourteen. Here are some tips which you may find useful when looking for computer games for kids:
Do some research before you head to the shops: Many people forget this step, they fall into the trap of heading to the game shop under-prepared and get talked into buying the latest/greatest new game on the market. It most cases this game will be inappropriate for your children. One of the better sites to do game research on is GameSpot.com. This site has detailed listings of all games current out along with ratings and reviews. This should definitely be your first step when trying to find computer games for kids.
Don’t limit yourself to the new games: There is no need to spend $100 on a new computer game when you could buy a game that is 1-2 years of for half that price! The classic games are classic because they were and probably still are really fun. Another important point to make here is that new computer games usually require relatively new computer hardware to run. Many people forget this, only to find out on Christmas day that their computer doesn’t meet the hardware requirements of the game. You will usually not have this problem with the older games.
Try some online game services: There are many sites on the internet which have over 500 games that are perfect for children. Action games, puzzle games and even education games. These sites usually require a membership fee, but are well worth it. All you have to do is sign up and down the games you want for your kids.
Well that’s it! Hopefully these tips will help you get the best computer games for your kids!
Owner Financing – How to Finance Older Mobile Homes
Have you have ever tried to finance a mobile home manufactured before 1976? You probably felt like it would be easier to sell snow cones in Antarctica! Fortunately owner financing and private mortgages offer creative alternatives for hard to finance mobile homes.
When purchasing a new mobile home financing is often offered through the dealer or retailers. Approved Federal Housing Administration (FHA) lenders are an option for mobile homes that meet the guidelines, including the age restriction of built on or after June 1976.
Manufactured homes permanently attached to a foundation also have access to financing as a mobile and land package, provided credit and equity are acceptable.
But the question still remains, “Where can older manufactured homes, single wide mobiles, and buyers with less than perfect credit look for financing?”
Private Investors
A private investor, independent bank, or credit union may provide alternative financing options. These are generally local investors or in-house portfolio lenders that are familiar with the area and comfortable with the risk at a lower investment exposure in exchange for a higher rate of return.
Owner Financing
Asking the seller to carry back a note is a common way to finance the purchase of a mobile home. The owner acts as the bank by accepting payments from the buyer over time. This avoids meeting the more restrictive bank mortgage requirements.
While interest rates are likely higher with owner financing it can provide a viable solution allowing the buyer to take advantage of the affordable housing mobile homes offer.
Some sellers prefer a lump sum of cash today and are reluctant to collect payments over time with owner financing. If a seller prefers cash now they can consider temporary seller financing and then sell all or part of the payments for cash to a note investor on the secondary market.
Manufactured homes make up an average of 8% of all home sales according to the US Census Bureau. There are some states, like North and South Carolina, where that percentage nears 18%. Many of the states with mobile home sales over 10% are also the same states that rank higher for overall owner financing.
This just proves what most note buyers and note brokers have known for years. When there are properties or buyers that are hard to finance people turn to owner financing.