Find Used Motor Homes Super Cheap

If you want to get into RVing this may be the best time in recent memory. The economic climate contributes to the abundant inventory in a lot of ways. Consumers are finding it difficult to make payments or simply deciding that their motor home isn't an important asset to keep. RV Dealerships are going out of business. The government is reducing the inventory they use for temporary housing.

The challenge is finding your way into the market where there are good deals. Here's your shortlist of sources.


Your local classifieds. Ads in your newspaper or Craigslist. Look for auctions by the state, county, marshall, sheriff, or other governing body.

Local motor home dealers. Many are reducing inventory or going out of business. Getting to know these folks can be a good source of inside deals. They may also be able to put you in touch with financing organizations who are helping owners get rid of motor homes they no longer want to or can afford to pay on.

Motor home or RV magazines. You'll find advertisements for used motor homes, clearance sales, and auctions where you can buy motor homes for sale.

Banks and credit unions. These folks have financed motor homes for people or dealerships that may now be in trouble or changing their priorities. So you have another group of contacts to contact regularly.

Government surplus, seized, and repo auctions. This may be your surest bet. Using the other sources, you're waiting to see if something comes available. Auctions are only held when there's a good supply to sell. So finding these auctions, means finding a ready supply of cheap used motor homes.

The good news is that auctions like these are common and held regularly. And that the government wants to cover expenses but is generally not in the business of making money on RV sales. So you can get real bargains. The bad news is that auctions are often not well publicized.

To find them, you'll need to keep your eye on the classified ads and announcements or register at a site that has the resources to track these auctions. Review the auction sites carefully, they offer varying registration costs, onetime, annual, or monthly payments, and access to different databases of auctions.

Find Used Motor Homes Super Cheap

You can save yourself time and literally thousands of dollars by looking over a review of sites that auction used motor homes for sale and by using our online buying guide (no need to sign up) for used RVs.

You'll find more great tips, feature reviews, and ways to find great RV inspectors


Coffee House Poet (a poem)

(Written at the Coffee House)

Here is where I meet my friends,


have long conversations; glances,

can't remember all their names--

(all the time) my coffee cup often jumps,

when they come by, breaking up the

moment of my concentration....

Women want to borrow chairs--often

around my table; I'm a regular here--;

everyday until-night, from three to almost

midnight... writing, reading, drawing,

it's what I do, I'm a poet.

Three's the professor, from the U of M;

and Johannes, a poet and friend; and

then, there is Papa Bear, he works at

the Airlines, worried, 'Northwest,' is

going out of business

And then there is Gene, he likes erotica;

and Kathy, she's a Faulkner fan; and

Royce, a lawyer, he has no real choice;

and Mathew, he's a writer of songs, and


And then there is Janet, she's loves the

word of God; and Michelle, she likes the

law also; and there's Cindy W., a poet

who loves 'Plath,' and Gary and Sue, book

lovers too, and me, a plain poet.

I have learned much from all my friends,

at the Coffee House, at the B & N, in

Roseville--and that we all love to inhale

the odor of Coffee, books and conversation;

I think fate has brought us here; Amen!

Dedicated to my friends at the Coffee House; #1257 3/2/06 revised 2/5/06

Coffee House Poet (a poem)

See Dennis' web site:

Black Mold And How To Stop Mold In Houses By Finding The Source

To effectively stop mold from growing in your house, you will have to stop the source or destroy the source that it grows from. In order to kill mold, you will need to effectively kill the source. Mold are living organisms which eat and live on building materials and other items in your home. Sometimes mold can be found on ceilings, around air conditioning ducts, and other warm, moist areas.

Mold in the basement is a very common problem with most homeowners. In order to stop mold in the house, you will need to control humidity and also lessen the moisture in the home. If you had a water damage or moisture intrusion in vents inside of your home, more than likely you had a mold problem. It is important to find the source of a problem. If it was a leak, then you will need to find when this leak is coming from. Black mold is a moisture type of mold. In order to kill black mold safely, you want to make sure the source is either removed entirely or you use an organic natural cleaning product in your home.


Since most chemicals, such as bleach, will only temporarily clean the mold, it will usually come back if it is not taken care of correctly. A correct mold killer should be organic and also must have a preventative method to stop the amplification of black mold. Mold killers are effective ways to stop mold from back and save your home. Using mold killing products may save you thousands of dollars in remediation bills. When a mold problem breaks out in the house, you will usually need a mold inspector to look at the area. If the column is not extensive, you will most likely need to use a cleaning product that removes mold and prevents it from coming back.

What is important to understand is black mold is toxic and can be harmful. In order to stop black mold in houses, you will need to use a natural product or have professionals look at the area. Be sure to check perimeter walls for any moisture damage. Your windows may also want to be looked at for moisture staining. If you had a leak on the ceiling area, then any moisture stains on the ceiling should be sprayed down with a mold killer or removed entirely.

Perimeter walls are usually the source of most mold problems. The perimeter wall will at times allow moisture intrusion inside of your home. This moisture will seep into the home and become a major problem. Be sure to do your own full inspection when looking for black mold and mildew. In order to effectively stop black mold in houses, you must look for the source. Control your humidity values and make sure moisture is not too high to promote mold amplification. If you have black mold growing on the surface of the walls, then it is wise to use a natural cleaning product to remove the mold and also prevent it from coming back. There are natural cleaning products which create clear barriers to prevent mold growth and improve indoor air quality.

While black mold is a huge issue, you will need to take action in preventing mold and mildew and removing it correctly. Use natural cleaning products that remove mold and break up the DNA. Also, it is wise to use a natural product that prevents mold amplification. Mold and mildew are very common in most homes. Many mold symptoms are caused from the common mold spores that creep and crawl in small areas of your home.

By breathing these toxic spores into your body, they will cause health issues that will come on stronger later. In order to relieve yourself of common mold symptoms, be sure to step outside to get fresh air and improve your indoor air quality. Look for professional advice and also use natural cleaning products that do not contain bleach, harsh chemicals, or other chemicals that may hurt you and your family.

Black Mold And How To Stop Mold In Houses By Finding The Source

Stop black mold in your home with natural cleaning products that remove and block mold from growing.
Have questions ask the expert about free toxic mold advice

How to Lay a Firm Foundation For Your New Home?

The foundation of your home is perhaps the most important element because that is what holds the entire structure up. The edifice that you call a home must have strong backing so that it can stand through any weather and keep you safe. The foundations of a home are like the legs and feet of a person. They are required to anchor the structure to the ground and the weight of the entire house is distributed over the foundation. So of course, it pays to be a little careful ensuring that the foundation is built just right.

Foundations are usually made of poured concrete and they support the structure of the home with consideration to the design of the home and conditions of the soil where the house is being built. Each house is different, and the foundation rests on different soils, so the soil must be studied to determine the design criteria of the engineer before work commences. If the soil is not accurately studied and the foundation not built to compensate for the weakness and to capitalize on the strengths of the earth, the stability of your home could be at risk.


Types Of Foundations

There are two types of foundations - slab-on-grade and basement foundations. Slab-on-grade is used in earthquake prone zones, but this is not the only choice even in such areas. The basement type foundation is perceived to be better than slab-on-grade by most people, but experts say that there is no real difference between these foundations as far as the stability of the home is concerned.

Basement foundations are typically expensive to build. But when the land costs are high, the additional room brought by building a basement prompts many homeowners to opt for this. People turn their basements into recreational rooms, entertainment centers and gyms. Basements can be built with a walkout configuration which gives it a much larger feel, ventilate the space well and bring in natural light.

Moisture And Foundation Do Not Mix

One of the most harmful things to a building foundation is water. Water constantly draining into the foundation over a prolonged duration of time can weaken it considerably. It is of vital importance to maintain positive drainage away from the foundation - even shrubs and flower beds should be planted taking this into consideration.

There are several high quality water proofing and drainage solutions available. If installed properly, they provide a high degree of moisture barrier and drainage. Now this calls for attention to detail and experience of the builder. Only a builder with sufficient experience and expertise will be able to understand the complex process of designing and constructing a home in its entirety.

Ensure A Solid Foundation
Homeowners would be well advised to choose only reputed builders to work with. Hiring an independent inspector while the construction is in progress is also a good idea. Make sure that you understand everything about your home's foundation and how it is protected. A new home that is built on solid foundation is a happy home indeed.

How to Lay a Firm Foundation For Your New Home?

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How to Start a Cleaning Service

House cleaning Service is an outstanding option for part time workers, new entrepreneurs, and those people who are thinking of a career change. Starting a house cleaning business is quite easy and is less costly with minimum operating cost, and flexible working hours. However, most people who had dreamed about starting a house cleaning business have been unsure in putting their plans into action. This is because these people are so mystified that they are willing how to start the business and how to find people who require their service. This article will assist you to successfully start your house cleaning service.

Business plan and business policy


Initially a house cleaning business is to create your business plan and business policy. Find out a good and appealing name for your business, which stands out from your competitor. The next step is to apply for an insurance policy for you house cleaning business. Many people think that this is not so important, but insuring your business eases the minds of your prospective clients and helps you to work freely with peace of mind.

Police record and background check

The next step is to apply for a copy of your police record and background check. Hopefully, you won't have one. But you need to apply for it so as to get an official copy stating "No Record". You will find the application form at the Police Station, State Trooper Barracks, or the City Hall, depending upon which State you are residing. Just fill it and mail to the respective office, within two weeks you will receive your form back with official sealing. Take copies of the form; you can attach it with your information packet while showing your clients.

Information packet

Yes, information packet is very important, as it impresses your client that your business is professional. Your information packet must include a photocopy or print out of your policy and procedures, references, a sample work order, and insurance details. Remember to clearly mention the details of your working policy. That is, how you operate your house cleaning business; your working hours; are you ready to work on weekends; your payment details (per job or per hour); how should you be paid (by check, cash or money order); and simply anything you need to tell about your job.

Sample work order

Your sample work order should explain details of how you provide your housecleaning service. For example, how will you clean a bedroom? You can provide information like this - sheets changed, bedroom furniture dusted, carpets vacuumed, ceiling fan will be dusted, and trinkets dusted. Also, in your sample work order mention custom work orders can be created if your clients need any extra work that is not explained in your work order.

Business cards

The final step is making your business cards. While creating your business card include your name and contact options only. Don't put anything like "cheap" or "free estimates" on your cards. You must present yourself as an individual offering professional house cleaning services. Go ahead, why waiting, start your house cleaning business today.

How to Start a Cleaning Service

A comprehensive directory of over 20000 House Cleaning Services [] around the USA including their street addresses, contact numbers and direction maps.

Cheap Homes - The Non-Traditional

Looking for a cheap home? You may want to consider the options below. Keep in mind that they may be just temporary. Years ago I used my own home as a boarding house, for example, in order to quickly pay off the mortgage. On the other hand, maybe you have no interest in living with others, or building a home. That's okay - you may still find some clues here as to how to save on your next home anyhow.

Building Your Own Home


There are several large companies that sell house kits. These come with the complete plans and materials delivered to your site. You could build it yourself, but the general idea is to be your own general contractor. You might get a nice house for 30% less this way.

Build In Stages

A friend of mine grew up in a basement as his father slowly built the house overhead through the years. Paying cash as you go to build your own home sounds like a way to save a lot of interest, certainly, but it has it's problems too. In this case, it mean no windows for years. The biggest problem now, is that regulations won't allow you to do this in most towns.

The idea has more merit if you don't take it to extremes, though. How about buying a smaller house that you can afford now, and adding on later? Be sure that it is possible according to local codes.

Buying Land To Build On

If you can't afford to buy a house where you want to live, maybe you can buy a lot on payments while you are renting or living elsewhere. If values are rising rapidly, you'll quickly gain equity in your land, which will make it easier to obtain financing to build a home in the future.

Living In Your Rental Property

Buying a duplex and living in one of the units has been popular for many decades now. Of course, the idea is that the rent from the other unit lowers your net housing cost. This isn't always the case, though. Look closely at the numbers.

Some of the duplexes around here sell for over 0,000, but get only 0 monthly rent per unit. It would be cheaper to buy a little 0,000 house for yourself. On the other hand, when we were in Michigan a few years ago, good four-plexes brought in enough income from three units to make living in the fourth almost free.

Living In An RV

This is an option many retirees are taking now. A couple years ago we met several older couples who lived in their recreational vehicles for free, by being hosts at campgrounds. Their duties were few, and included checking in new arrivals a few times a day.

Another way to live in an RV is to buy a lot and park it there. The idea here is that you can live cheaply (if you buy a used RV) until you can finance the construction of your new home.
In Arizona, the Bureau of Land Management, or BLM now charges to park your RV on some public lands that were previously free. The upside is that the fee is only around 0, you can now stay for six months, and there are pump-out stations and water available. That's cheaper than property taxes!

Buying A Motel

Most small motels come with living quarters. Buy a motel and you get a home and a job all in one. Just be sure that the numbers work, and that you want to work.


In some areas of the south, you can see hundreds of houseboats in the larger lakes. There is the allure of living on the water, but there are also financial advantages. Used houseboats can cost much less than houses on land, you can find places to park them cheap or free, and you don't pay property taxes.

Even More Cheap Home Options

There are still other possibilities for cheap homes, if you really want to live creatively. Buying a home with an extra lot that can be split off and sold might save you thousands, for example. Then there are the lifestyle options that are beyond the scope of this article, like living in a school bus, converting office space into living space, and building a log cabin in the woods.

Cheap Homes - The Non-Traditional

Steve Gillman wrote the book: Cheap Homes - How To Save Thousands Buying Your Next House. To learn more, and to see a photo of the beautiful home he and his wife bought for ,500, visit

House Lights

It's good to ensure that all the time you are planning to build a house or any building hat you put into consideration the type of light that you deem suitable for the building.

The lights that you place in your house entirely depend in the way the house is designed; different designs of lights are meant for different designs of the houses. Foe example the mission house should have the lights being mission inspired.


It's also important to ensure that every room in the house is fitted with the right light design, this will not only beautify the house but also ensure that the house is well lit. Since the rooms each f the room are meant for different functions, ensure that they are well designed for the room.

If we consider the bedroom, it does not need to be fully lit like the light that is used for the reading room. For the reading room you have to ensure that the room is fully lit.

Track lights and under cabinet lights can also be placed beneath the photos and drawings of the wall to ensure that they are well lit so that they can be admired by the visitor as they visit the house.

The lights for the bathroom may vary, one should have the lights placed in front of the mirror so that one can easily admire himself after bathing, for the case of the kitchen, lighting should be placed where the cabinets are so that the sections in the cabinet are well lit.

The dining room can be decorated by the chandeliers so that they can look beautiful and even complement the food that is being eaten, for the bedroom you have to put lights that appear romantic and suitable for sleeping.

Ensure that when you are placing lights in your house that you ensure that you put into consideration the design of the room and the function unto which that room is entailed because the rooms not only vary with their use but also the design.

House Lights

Colorful restaurant tablecloths look good on stainless steel tables.

Zero Energy Homes, Made Affordable

How's this for a challenge? Create a zero net source energy (as opposed to site energy) home as defined by the Department of Energy's Building America program. Design it to operate in the extremes of Denver's unpredictable climate, using off-the-shelf, readily available technologies. Keep the mechanical systems as simple and uncomplicated as possible. Incorporate energy-efficiency strategies that don't require the home owners to be experts in sustainable building operations or conduct any maintenance beyond that required of a 'normal' home.

Not overly difficult, you might say? Add that the design must be replicable for future Habitat for Humanity homes, utilize low-cost construction materials, and allow volunteer- friendly construction techniques. Still with me? The clincher: The target market is the affordable housing sector. Impossible, you might say? Challenging yes, but not impossible for an integrated design team of NREL engineers and Habitat for Humanity staff and volunteers. The finished product is a 1,200 square foot, three-bedroom reduced income home that actually produces more source energy than it consumes!


Design Considerations

The combination of energy engineers, a construction manager a real estate development manager and Habitat volunteers on the design helped strike a balance between engineering ideals based on energy modeling, cost realities inherent in affordable housing, and considerations involved in a volunteer construction crew.

Habitat's volunteer labor advantage steered the design team to approaches that favored low materials costs and high labor costs. While this approach minimizes the substantial labor cost, when combined with the affordable housing requirement it restricts the range of sustainable strategies available. For example, strategies such as structured insulated panels (SIPs) and insulated concrete forms were not considered because of their high cost. Similarly, the requirement for volunteer-friendly construction techniques and ease of replication eliminated the option of using Straw Bale. The design simplicity requirement eliminated the possibility of a combined solar space heating and water heating system. Finally, the zero energy requirement, given Denver's cold climate and the current high cost of PV systems, required some trade offs that some 'purists' might consider controversial.

Design Approach - Envelope

Given the considerations described above, the design team decided to focus first on reducing the home's energy load as much as possible, and then size the PV system to meet the remaining electricity needs. The first place to look? Yes, you guessed it - a passive solar orientation with a 'super insulated' envelope. Starting with a standard Habitat three-bedroom, 26 x 46 square foot design with a crawlspace, the team increased the South-facing glazing area and reduced the North, East and West facing glazing area. Next, a double-stud wall with fiberglass batt construction was selected to take advantage of it's relatively low cost, volunteer-friendly technique and Habitat's low construction labor cost. Blown fiberglass installed in the attic achieved an R-60 rating and insulated floors achieved an R-30 rating. While the double stud wall design, with exterior structural studs spaced at 16 inches O.C. might not achieve LEED Homes Advanced Framing Techniques points, the interior studs spaced at 24 inches O.C. certainly meet the requirement. The R-3 fiberglass batts in the exterior wall cavities and the R-13 filling the space between the exterior and interior walls as well as the interior wall cavities definitely help optimize energy performance. An outer vapor-permeable house wrap and fiber cement siding, with and an inner poly vapor barrier plus drywall adds to a very 'tight' whole-wall-R value. Blower tests yielded a natural infiltration rate result of 0.15 ACH, a very 'tight' indication.

Heating and Ventilation

With the house's heating energy needs drastically reduced through this super-insulated shell, the design team then focused on the heating and ventilation system. Note that I didn't mention heating, cooling and ventilation system. Yet another design challenge! Habitat for Humanity Metro Denver has a policy of not equipping its homes with air conditioning. This meant that the final design had to maximize heat reduction (for example by maximizing solar gain) without increasing the cooling energy load.

To supply a proper amount of fresh air to the house while minimizing potential for energy loss, the team opted for an energy recovery ventilation (ERV) system with efficient electronically commutated motors. The system exhausts air from the kitchen and bathroom, and supplies fresh air to the living room and bedrooms. Heat loss from ventilation is reduced because the ERV system heats the incoming air with warmth from the exhaust air.

The design team soon discovered that a very low heating load is a double edged sword. On the one hand very little energy is required to heat the house. On the other hand, most commonly available heating systems are oversized for such low heating needs, and overly complicated or expensive systems cannot be cost-justified. After carefully considering a variety of high-efficiency heating systems, and much internal debate, the team decided to follow a hybrid approach of electricity from the PV system, and natural gas.

Controversial Approach

Some of us who are 'purists' may turn up our noses at the thought of a zero energy home using natural gas. However, the economics involved convinced the design team that a hybrid approach was the best solution (see side bar)

The PV system selected by the design team uses the local utility grid for storage, thus eliminating the substantial cost of the storage battery. When the system is producing more energy than is being used, it delivers energy to the grid. When the system produces less energy than it produces, it draws electricity from the grid.

When the system draws electricity from the grid, it is likely drawing fossil-fuel generated electricity. Although a larger sized PV system may minimize the volume of electricity drawn from the grid, the cost of larger systems is prohibitive. The design team opted to include natural gas in order to reduce the size of the PV system by 1.1 kW, making it much for affordable for a Habitat Home. The team designed the system to offset the natural gas used, thus achieving, and even surpassing, the goal of net zero source energy.

The hybrid approach allowed the team to size the PV system that is affordable, offsets the use of natural gas as well as any grid generated electricity, and thus allows the home to achieve (and even surpass) the goal of net zero source energy. The hybrid space heating system combines a pointsource direct-vent natural gas furnace in the dining room and living area, with small baseboard electric-resistance heaters in the bedrooms.

Water Heating

The design team selected a solar water heating system - rather than a combined space/water hearing system - for simplicity, backed up by a natural gas tankless water heater. The team calculated that the 96 square foot collector area and 200 gallon water storage would result in an annual solar-savings fraction of 88%. They opted for the tankless natural gas back up heater after finding that the tankless system uses zero heating energy whenever the solar water tank is at or above 115 degree water delivery temperature.

The Crowning Element

Having reduced all possible energy loads as much as possible, the design team zeroed in on the lighting, appliances and miscellaneous electric loads (MELs). They installed compact fluorescent light bulbs throughout the house, and ENERGY STAR label appliances. This left the miscellaneous electric loads, from TV, hair dryer, toasters, computers, and anything else that could be plugged in by the occupants. Using Built America benchmark assumptions on MELs, the team settled on a 4kW PV system. Because the Built America assumptions on based upon a national average of a 'typical'
American household, the actual occupant use and local climate may either block the home from achieving zero energy usage, or propel it to the ranks of 'net energy producer'.

The Verdict

Initial test results were encouraging. From the February to July of 2006, the PV system produced 1,600 kWh more electricity than the house consumed. Factoring in the natural gas used for space heating and water heating backup, the house produced 75% more source energy than it consumed. Although a longer testing period is required, it's a safe bet to say that the house will be an annual net energy producer rather than just achieve net zero energy user. However, this could change if the occupants begin using more than the average calculated into the Built America benchmark.

And the home owners? While it is true that the house is a net energy producer, they unfortunately are not free from utility bills. There is the monthly charge for the natural gas, as well as fixed charges for the electric grid and natural gas connection fees. From October of 2005 to May of the 2006, the owners shelled out an average of .25 per month in energy bills. Because the fixed monthly charges averaged 80% of those bills, in actuality the family used on average .60 worth of energy.

For those of us who suffered through 0+ monthly energy bills during that same period, those results are very compelling.


Energy and Atmosphere

Passive Solar Design

o The house was designed with increased glazing area on the long South facing side, and reduced glazing area on the North, East and West facing sides.

Renewable Energy

o 4kW Photovoltaic system using utility power grid storage to eliminate need for and associated high cost of, storage battery


o Raised heel trusses in attic allow 2 ft of blown fiberglass insulation, achieving R-60 rating for thermal envelope top

o Floors insulated to R-30

o R-3 fiberglass batts in outer 2 x 4 structural stud wall cavities, and a second, interior 2x4 stud wall with R-13 fiberglass batts placed horizontally between stud walls and vertically in interior wall cavities

o Outer vapor-permeable house wrap and fiber cement siding

o Inner poly vapor barrier and drywall

Space Heating

o Hybrid natural gas/electric heating system, combining a pointsource direct-vent natural gas furnace in the living room and dining area, and small baseboard electric-resistance heaters in the bedrooms. This combination provides the added bonus of zone heating, as each appliance has its own independent thermostat.

Water Heating

o Solar water heating system with 96 square feet collector area and 200 gallon water storage tank as primary water heating system, with natural gas tankless water heater as a back up system


o Double - glazed, low -e glass installed in South facing windows, with U-factor of 0.3 and SHGC of 0.58. For the East, West and North facing windows, Double - glazed, low - e glass was also used, with a U-factor of 0.22 and SHGC value of 0.27. The U-factors of all windows exceed (ENERGY STAR requirements by 20%).

o ENERGY STAR® appliances were installed.


o Compact fluorescent light bulbs deployed throughout the house

Indoor Environmental Quality

Local Exhaust

o Energy Recovery Ventilation (ERV) system with efficient electronically commutated motors, exhausts air from the kitchen and bathroom, and supplies fresh air to the living room and bedrooms.

Outdoor Air Ventilation

o The ERV system heats incoming fresh air with warmth of the exhaust air, thus significantly reducing heat loss from ventilation.
Materials and Resources

o Advanced Framing Techniques: Walls consist of inner 2x4 stud wall, 24 inches O.C.

Zero Energy Homes, Made Affordable

Daniele Loffreda is Managing Principal of Plateau Enviro Associates, a consulting firm specializing in green building, sustainable communities and marketing communications. He serves on the Board of Directors of the U.S. Greenbuilding Council Colorado Chapter, and is a Leadership in Energy and Environmental Design (LEED) Accredited Professional

Underground House Floor Plan - The Hippie Experiment

If you happened across a home built from an underground house floor plan you could be forgiven for thinking the owners might be Hobbits because the only things visible might be a door or window set into a foliage covered hill. This type of home is actually a series of small, interconnecting domes made from cement and partially or completely submerged into the earth.

Such unconventional house floor plans are actually a step in the right direction for those persons thinking outside the box in terms of energy conservation and environmental benefits. Living underground in such earth-sheltered housing has its merits and takes a very conservative view in energy usage.


When considering an underground house floor plan, look for the following applications:

1. The house floor plan should blur the distinction between indoors and outdoors. The purpose is to exist in close harmony with nature.

2. The windows should be honeycomb style to harness solar energy.

3. Since the windows for this type of floor plan don't open, an intake vent system with filters should be installed to draw fresh air from outside. The filters help keep out unwanted pests.

4. Air should be fanned from a solar collector through the home duct work into a rock store beneath the main living space. The store system maintains an efficient heat-exchange which works with the insulating soil to maintain a comfortable temperature year round. A good system would require no additional heating or cooling.

The dome shaped rooms give rise to maximum floor space and minimum wall area. Floor areas do not to conform to traditional housing expectations and and the living spaces are defined with curved walls with no sharp corners. Natural sunlight can be channeled into the house via the use of a skylight lined with natural reflective materials

Underground house floor plans got their start in the 1970s from an Austrian architect named Eisenhofer. Sadly, most dismissed his energy efficient and unconventional house plans as nothing more than a hippie experiment. It has only been within the past few years that interest in earth-sheltered housing is attracting some interest. As people become more environmentally conscious, the popularity of underground house floor plans as an energy efficient alternative can only increase.

Underground House Floor Plan - The Hippie Experiment

Get fantastic ideas for your new house! House floor plans come in all shapes and sizes. Find the right house floor plan for your family today!

Foreclosure Hardship Letter - Sample For Bank Loss Mitigation Department

A foreclosure hardship letter is an integral part of Loan Modification or Short Sale package. When homeowners are facing foreclosure, these documents are submitted to the Loss Mitigation Department of the mortgage lender. Loan modifications are offered to homeowners who have the financial ability to become current on delinquent payments. Short sales are offered to homeowners who do not have the financial means to pay their mortgage payments. Lenders who accept short sales offers agree to accept less than is owed on the mortgage note.

For most people, the foreclosure hardship letter is the most difficult aspect of loan modification or short sale procedures. It can be excruciatingly painful to express on paper the circumstances which caused the homeowner to fall behind on their mortgage payments. Many people are intimidated by the hardship letter. They don't know what to say or how to format the letter so it is easy to read and understand.


Keep in mind, foreclosures and short sales are handled by the Loss Mitigation Department of your lender. Employees of this department are referred to as Loss Mitigators. Before you can submit a loan modification or short sale package, you must receive approval from the Loss Mitigator assigned to your account.

More than likely, you will have ample opportunities to personally speak to the Loss Mitigator handling your account. These individuals deal with homeowners in financial distress on a daily basis. Take advantage of building a relationship with your assigned mitigator and ask questions to help you better understand what your mitigator expects. Loss mitigators can make or break your deal, so always treat them with respect and provide them the information they request.

Your foreclosure hardship letter will be read by your personal loss mitigator. Realize these individuals receive dozens of hardship letters daily. Therefore, it is crucial to keep your letter short and to the point, while covering pertinent facts.

When composing your hardship letter you can either write it by hand or type it. If your handwriting is illegible, it is best to type the letter or have someone else write it for you. The foreclosure hardship letter is one of the most crucial elements of your loan modification or short sale package, so take every precaution to ensure the Loss Mitigator can easily read and understand it.

Real estate experts recommend using a business format for the foreclosure hardship letter. This involves placing your name, address, city, zip and phone number at the top of the page. Leave two spaces, then write the name of your loss mitigator, name of your mortgage lender, along with their mailing address. The next line should include the current date. Place your loan number underneath the date. The body of the letter should be between four and six paragraphs. Close the letter by signing and printing your name.

The following is an example of the foreclosure hardship letter. You can make adjustments to the text depending on if you are seeking a loan modification or short sale arrangement.

Bob and Jane Smith

123 Any Street

Your City, State 12345

Tom Jones

USA Lender

123 Anywhere Avenue, Suite A

Anytown, State 12345

Current Date

RE: Your Loan Number (include either Loan Modification or Short Sale)

Dear Mr. Jones,

We are contacting you today to request a (loan modification or short sale) for our property located at (insert address, city, state). We appreciate the opportunity to explain the circumstances which have caused us to fall behind on our mortgage payments. Although we have done everything possible to improve our financial situation, we are still short on the money owed to you.

The reason we have become delinquent in our mortgage payments is (explain the reason here). At this time we do not have enough income to pay our regular monthly mortgage payment. We are concerned that we are falling further behind and will not be able to pay what is owed. We have every intention of paying what is owed, but at this time do not know how to accomplish this. Therefore, we are turning to you for assistance.

We are asking for consideration to temporarily reduce or suspend our mortgage payments for a few months (or allow us to sell our home via a short sale). Doing so, would help us get back on track. Our home means a great deal to us and we desire to work with you to keep it out of foreclosure. Please advise of all options available to stop foreclosure (or initiate a short sale) at your earliest convenience. We are anxious to reach an agreement and appreciate your prompt response.

Respectfully yours,

Print name of Borrower(s)

Signature of Borrower(s)

Loan #



email address (if applicable)

It is imperative to send the foreclosure hardship letter via certified mail with a return receipt requested. This will ensure you have proof you sent the letter. The return receipt must be signed by someone at the lending institution and the signature card will be returned to you in the mail.

Foreclosure Hardship Letter - Sample For Bank Loss Mitigation Department

Simon Volkov is a private Real Estate Note Investor who provides solutions to individuals facing foreclosure, short sales and other hardships. If you need to sell your house fast, present a foreclosure hardship letter or looking for alternatives to help you avoid foreclosure visit today.

Government Auction Foreclosures - Houses For Under $10,000?

While searching through some foreclosure and FSBO (For Sale By Owner) listings at the best foreclosure government auction site a few days ago, I was amazed at the consistency of how low some of the prices on houses and properties are. Many of these homes are in decent to great shape and are located in good areas of the country.

What is amazing is that for the price of a good used car you could actually buy a house. We all know which is a better investment, so why not change your car oil more often to get a few more years out of it and use that money to buy a rental property. Now you're probably thinking 'just try to get a mortgage or loan these days'. Well when prices are this low then the risk is low as well, not to mention current lenders are under extreme pressures to reduce housing foreclosure inventories so they will be more then eager to discuss a good deal with you.


As for the real estate crises and housing price declines, well there is no doubt that we are in a real estate crisis, however, I'm hearing many experts say that we are either at the real estate bottom or will be, within the next six months. The thing about a market housing bottom is that you don't know when you have hit it until a year to two afterwards and by that time the deals will not be as plentiful. This combined with the government providing the banks with basically unlimited liquidity has made this perhaps the best time in our lifetime in which to invest in real estate. You may know the saying "be fearful when everyone else is greedy, and greedy when everyone is fearful", well it's time to get greedy.

Here are examples of some of the listings I came across from the government auction site that I previously mentioned. This site is ranked as the number one site on my government auctions review site and the reason for that is simply because they have more government auction types, dates, locations and more property listings then any other site. Without further a due:

* 4 Bedroom Home in Marion, Indiana for ,500

* nice 4 Bedroom Home in Bay City Michigan for ,000

* 3 bedroom home in Pittsburg PA for ,000

* 5 Bedroom home in Peekskill NY (near New York City) for ,000

Yes these houses are for real and in good shape. You can see actual pictures of these and many other great deals on my site (link in last paragraph). Also before you bid or buy any property have a house inspector look over the house as thoroughly as possible. A local inspector or realtor would be familiar with the current area and approximate potential worth of the property. With their help, you can make a decision as to what work, if any, would have to be factored in and whether the property is a good investment. Obviously if you can get a house for under ,000 it leaves a little extra cash for any work that may need to be done before you move in or renting it out. A realtor can also help to guide you in the buying process of foreclosed and FSBO homes.

Whether buying a foreclosure, pre-foreclosure or FSBO property, you should also conduct a background check. Some properties may have a history of liens or may be levied off to another party.

The foreclosure list mentioned here is just a sample of the many distressed properties that are available in all states. Following the trend in foreclosed properties is a good way on working towards your dream home. Remember it's time to get greedy, how that everyone is fearful, so you can resell the house later when everyone else is feeling greedy.

Government Auction Foreclosures - Houses For Under ,000?

To review the top government auction sites, each with over 250,000 foreclosure and sale by owner listings check out government auctions reviews or to see more sample listings of great real estate deals visit seized properties.

Nolan Speers has been investing in real estate for over 15 years and specialising in foreclosures for the last 5.

Double Wide Mobile Homes vs Single Wide Mobile Homes

Over the past decade or so, manufactured homes (still commonly referred to as mobile homes) have become a great option for new homebuyers. Unlike the old shoddy mobile homes in trailer parks that people think of, manufactured homes now come as two-story homes or even town homes and include features like cathedral ceilings and fireplaces.

The basic configuration for manufactured homes, however, is still single wide or double wide. Single wide or single-section mobile homes are made of one main unit. The average single side manufactured home usually has about 1,100 square feet of living space while double wides average about 1,700 square feet. Needless to say, there are also larger manufactured homes, but single- and double-wides are still the most common sizes.


Manufactured homes do have their problems. According to Consumer Reports, single-section homes have more problems with floors, roofs, windows, and doors while multi-section home problems tend to be related to the joining of the sections.

In part the problems relate to the fact that the home is built in a factory and then transported to another location via flatbed truck. The motion involved can have a negative effect on the joints and connectors. However, manufacturers of quality homes do their best to correct any problems that may occur during transport.

Nowadays it may even be impossible to tell the difference between a mobile home and an on-site home unless you have seen it being built. The most common difference is that manufactured homes tend to have a lower roof slope because the home has to be moved under highway bridges.

On the other hand, the materials now used tend to be comparable to the quality of site-built homes and, other than roof slope, generally resemble "regular" homes. Indeed, if a manufactured home were not located in a "trailer park", most people would be hard-pressed to tell the difference.

Nowadays more double-wides are sold than single-wides. In great part this is because the typical home buyer want more space, not less, and double-wides offer that at a price that is still far less expensive than a traditional home of the same size. Not only that, but zoning in many areas actually means that double-wide manufactured homes are the smallest size allowed.

As a homeowner, you should also know that double-wide manufactured homes tend to hold...or even increase...their value as compared to single-wide homes.

Double Wide Mobile Homes vs Single Wide Mobile Homes

For more on all types of new mobile homes, used manufactured homes and mobile home loan programs, visit the Mobile Home Center at

Home Cash Course Review - How to Earn Money Online With the Best Home Based Business Opportunities?

Are you searching for home based business opportunities so that you can create an income stream from home? If you have been looking on the internet for such opportunities, you may have already seen many sites claiming to have the blueprint to help you make money online quickly and quit your day job. Before you do that, you should always research the sites thoroughly as there are many scams on the internet.

One of the most important things you should explore is the credibility of the owner. I had personally heard many good testimonials about Mackenzie Lee, the owner of the Home Cash Course system, so I went ahead to try this course out.


1. How Does The Home Cash Course Work?

As a newbie, I took quite a long time to understand everything that this course taught me. I was learning new concepts that I had never heard about, like advertising on the internet, driving traffic, following up with your email lists etc. Luckily, the Home Cash Course manual has listed all the methods in a step-by-step fashion. After I was done reading the materials, I was keen to get started with implementing the techniques straight away.

2. What Are The Benefits of the Home Cash Course?

With this work at home business opportunity, I can work at anytime I want. Because I know that the amounts of money I eventually earn depends on the amount of effort I put in, I am extremely committed to implementing the strategies. The good thing is that I can rest at any time I feel tired or when I have other tasks to finish.

Another thing I really like is that many of the income streams are nearly automated. This means that the more I work the more passive income streams I build.

3. What I Learned from the Home Cash Course Training Program

Some of the things I learned include how to setup a website easily, how to put information on it in the most time-efficient manner, how to guide your customers around your site and directing them to the sites you want them to go to etc. All these may sound very complicated to you right now, but once you see the whole business model, you should be able to start making money online easily too.

Home Cash Course Review - How to Earn Money Online With the Best Home Based Business Opportunities?

Is the Home Cash Course system a scam? Visit to read a FREE report about this home business opportunity, or Click Here to See the Home Cash Course!

The Most Pressing Question From Mums Who Want To Work From Home

I talk with a lot of mums, each week, who express the ambition to work at home or establish a work from home business. Some are new mums with pre-school aged kids, and others are juggling older children and a family at the same time as working a job. Talk about multi-tasking and being hectic, they know what it means! Interestingly, a lot of mums ponder whether they'd be ABLE to start their very own work from home business. For many, everything sounds 'too much', 'too difficult' or 'too challenging'...

I would like to share the question I get asked the most from 'wannabe' work at home mums:


How could I manage my kids, my home AND a new business?

Many mums don't see they already possess the skills necessary to do this. What mums with a new home-based business ought to do, is transfer their existing skills, and re-prioritize their time and resources, in a well organized way! Before I started my online business, I used to be a full-time mum, and this was my number one priority. My second priority was to support my husband and the family household, and I carried out all my responsibilities in a very spontaneous way. I need to say, my main priority hasn't changed. My kid's needs remain at the top of the list. But since I now have an online business which I work at each day, and I am still in charge of most aspects of maintaining a household, I have had to adapt the way I perform my many responsibilities.

Most importantly, I follow a detailed schedule. It's amazing how much more you can get done each day when you make yourself organized! I feel more IN CONTROL now than I ever did before having a home business! I've acquired new competencies to better determine my priorities and allocate my time and resources to them. I continue to have quality time with my kids. I work from home, so I have the ability to manage my work and my home almost seamlessly. And most significantly, I am now empowered to realize my goals at the same time as being in charge of my own schedule and chosen lifestyle. I do what works for ME, MY family, MY business, MY goals.

Allow me to share my thoughts in response to this common question: "How can I handle my kids, my home AND my own business?"

- Developing an online business while working around your children will require that you get very organized. Whether it is a new skill for you or not, it will require some fine-tuning over time until you discover what really works for you!

- Being mums, we are all great at multi-tasking! You should use those existing skills to be highly productive in managing your household, and create more time to focus on your home based business and your children.

- When you are clear on the lifestyle and income goals you would like to accomplish, and also you completely commit to achieving success as a mumpreneur, and you're confident that you have the right business vehicle to realize this, you will create a powerful drive to make it work!

- As you grow and develop new skills, you'll become more productive. You'll develop a schedule that lets you be 100% present within your primary tasks, including being a great mum and a focused business woman!

- If you permit yourself to take on personal and professional development, you'll empower yourself to realize amazing results in your personal life and home based business. Never underestimate the power of self-growth!

When you commit to your DREAMS, you will realize it is all worth it! Working for yourself could be the scariest, greatest challenge you ever undertake. But aren't your dreams well worth the challenge?

The Most Pressing Question From Mums Who Want To Work From Home

Justine Simard is an online business and network marketing coach. To learn from Justine Simard and tap into the most powerful and profitable marketing systems and online business industry, visit Home Business Opportunity. Also visit Justine Simard's Official Blog for Online Business Resources, internet marketing training, personal development and success strategies, and inspiration for online entrepreneurs.

Top 5 Tips For Selling Your Home

As we all know, it is tougher now than usual to sell a home. Buyers are apprehensive due to our country's economic recession. Those that are ready to buy are expecting a lot in their future homes. Obviously it is important to have your home priced correctly. Hiring an experienced real estate agent to advise you and looking at comparable properties that have sold in your area will help dictate an appropriate price. In addition, sellers need to do everything they can to make their homes look appealing to buyers. To help you out, I have compiled a list of things sellers can do to bring out the best in their homes.

- First and foremost, a home on the market needs to have curb appeal. You do not want potential buyers to drive buy your home and keep driving because the outside appearance has deterred them! This means you have to do your homework, literally. It is important to keep the grass mowed, bushes trimmed, and walkways power washed. Keep the entrance nice and inviting. Potted plants, hanging ferns, lighted entryways, and doormats are a great start. Just don't go overboard!


- This idea ties in with my next tip...keep everything uncluttered, both outside and inside the home. It is really important to de-clutter your home so that potential buyers can actually see your home, not all of your possessions. Also, having fewer knickknacks around actually makes your space seem larger. Start by taking down the majority of your family pictures. Clean out your closets, so it appears there is ample storage. Get rid of extra bulky furniture. You can put all of these things in storage until you move. If you are anything like me, these are probably all things you need to do anyway.

- Buyers like to be able to imagine themselves is a space. To do this a seller needs to keep everything neutral to appeal to the majority of buyers. So if you have some wild paint colors, tone them down. A fresh coat of paint always spruces up a room.  

- Now this may sound simple, but you would be surprised that not every abides by tip #4. Clean your house! Nothing is more repulsive than touring someone else's mess! Make sure the kitchen and bathrooms shine! Dust everything off. Get rid of unpleasant odors, especially from pets. This means steam cleaning your carpets, removing kitty litter, and making arrangements so your pet is not there when your home is being shown.

- Finally, any simple fixes you can do to your home should be done. This may mean fixing a leaky faucet, replacing outdated fixtures, or simply making sure things in your home work as they should. You want a buyer to see all of the positive things in your home instead of making a mental list of things that need to be done.  

When you list your home on the market, try to keep these five tips in mind. Remember that while these things may not be your taste, it may help sell your home. These things will take time and effort. The sooner your house sells, however, the sooner you can begin the next chapter of your life!

Top 5 Tips For Selling Your Home

Work with a qualified, dedicated agent for your Beaufort real estate purchase. Search all Walling Grove homes at

A Beginner's Guide to Flipping Houses

If you're dreaming of making money in real estate, it's time to stop dreaming and get to work, because making money in real estate isn't just a vague pipedream. It can be done, even by a young and inexperienced person, when you learn how to "flip" houses.

A friend of mine, we'll call her Tai, made a fortune in real estate, beginning at the age of twenty, with no help from anyone else. Here's how she did it:


Tai began by buying a HUD repo, which allowed her to get into the house for no money down. Then she fixed it up and sold it herself. At closing, she had made enough profit to by a second fixer-upper, but this time, she paid all cash. Tai went right to work fixing her second house, and when she sold that one, she collected profit of ,000, which allowed her to pay cash for her third house!

By now, Tai was comfortable with her formula, and within a short time, she had flipped her third house, realizing enough profit to pay cash for yet another house, as well as being able to buy the custom pickup of her dreams. And all of this had happened in the span of just nine months!

Tai's formula was simple. She located houses that needed only cosmetic work, avoiding those that required structural repairs. She did all the painting herself, inside and out, and updated the home's lighting, plumbing fixtures, and carpeting. Once renovations had been completed, all three houses sold quickly, and at a significant profit.

Flipping houses is the most tried-and-true way to make a fortune in real estate, so don't listen to anyone who tries to tell you that it can't be done or that you need to have a great deal of start-up money. That's not true. You can buy houses with no money down through various loan programs, and sellers will often help you with the closing costs.

I know what I'm talking about. My husband and I bought our 27th house earlier this year, for no money down, and we expect to make a profit of at least 0,000 for just one month of hard work!

But we take the process a step further, making our houses outshine the competition by also using Design Psychology, although our buyers never know that. All they know is that they feel good when they're in our homes, which makes them want to buy them, even if they're more expensive than the house next door.

There's no other business that can make you as much money, with as little start-up cost, in as short a time, as investing in real estate. In fact, more millionaires made their fortunes in real estate than in any other business. And you can do it, too. You just have to stop dreaming and get started.

Copyright © 2004 Jeanette J. Fisher. All rights reserved.

A Beginner's Guide to Flipping Houses

Get started today making money flipping houses amd real estate investing--without worries about the "pending real estate crash." Free real estate investing business plan [] from Jeanette Fisher and free ebook, The Truth about Making Money Flipping Houses: