Buying a Pre-Owned Mobile Home Can Be a Great Real Estate Investment
Why consider used mobile homes? My own first home was a mobile on a small lot. I bought it for $19,500. With the mortgage payments it was still cheaper than renting, plus I paid it off quickly and later sold it for $45,000. Obviously you can live cheap and build equity with a mobile home. (Buying may be the equivalent of cheap rent, but this article is about mobiles that are on real estate.)
The primary advantages of mobiles over traditional houses are clear for first time home buyers. It may be the only option, for starters. Then there is the lower initial price, the simpler, cheaper maintenance, lower monthly payments, less property tax, lower insurance cost, and perhaps even faster equity build-up (I explain this in another article). Mobile homes do have their own unique problems, so be sure to watch for the following.
Problems With Used Mobile Homes
Sometimes the age of a mobile home makes it tough to finance. If it can be financed, it may be at a very high interest rate. Check into this before making an offer, and take the higher payments into account when comparing your options.
The age of is also a big factor when it comes to insurance. Certain older homes may just be uninsurable. See if you can obtain insurance at a reasonable rate before buying.
Some mobile homes built before 1976 have aluminum wiring. This is a fire hazard because the chemical reaction between the aluminum and other metals cause the wiring to break down, eventually leading to sparking inside the walls (not good). Remove any of the electrical outlet or switch covers, and look inside with a flashlight. If the bare ends of the wires are silvery looking, they are probably aluminum, and you may have to rewire the home to get it insured.
Look for wavy walls and crooked door frames. If the mobile is irregularly settling, the walls will sometimes show it. It may also show in the door frames, so see if the gap over the doors is straight in relation to the frame.
Check for spongy floors. Many mobiles have particle-board for floors. If these floors get wet, they can warp and rot. Step down hard here and there to test, especially in the bathroom. I've had to rebuild two bathroom floors in mobile homes. Around the toilet is a common place to find problems, because of the condensation from the toilet running down and soaking the wood around it. Is the toilet level or leaning?
Most of these problems can be resolved, and for much less than in a traditional house, so if there are issues, you may want to see them as an opportunity to make a lower offer. Alternately, you can just avoid the mobiles with problems. In any case, don't give up on owning your own home due to high prices. Just look for good used mobile homes.
With most people in mature Western markets now in possession of at least one mobile device, operators are obviously as much concerned with retaining existing customers as they are with securing new ones. This is why capacity growth is so vitally important. Retail price tariffs are now so closely bunched that the principal motivation behind any switch to a different operator is more likely to be related to reception issues and the perception that they might be resolved by switching suppliers. This might, of course, become a significant problem in densely populated urban areas.
To help head off this threat, most leading operators like Vodafone are encouraging the use of Femtocell technology by its customers even if it means carrying the costs themselves. This basically involves the use of small base stations within one's home or office. These use access to the broadband network to boost reception where it might otherwise be either very limited or totally non- existent.
Over the next 5 years, it is estimated that over 100 million small cells will already have been installed worldwide of which residential Femtocells will account for over a third. Not only will these Femtocells help solve problems of coverage and capacity but they will also enable new-services for carriers.
In Vodafone's case, they have opted to distribute Alcatel-Lucent's Femtocell which they market under the self-explanatory name, SureSignal. In the UK, its customers spending over £60 per month get a free base-station while those on cheaper tariffs can have one for £5 per month. Even Pay- As- You- Go users can enjoy improved indoor coverage for a one- off outlay of £160. Of course, it only needs one device in each household to support multiple handsets.
The clever thing from Vodafone's point of view is that the Femtocell supplies all this extra coverage and capacity by routing calls over the user's broadband connection rather than by using the Vodafone cellular network. So far there is no sign that ISPs are getting too upset about this and it looks like a win / win situation with Vodafone's customers enjoying much improved reception at home while the company itself benefits from the freed up capacity.
The experience of Vodafone and other mobile operators to date suggests that Femtocells will also prove an effective weapon in obtaining and retaining customers in the far more fluid SME ( small and medium enterprises ) market. It has been shown that, in the USA as just one example, roughly a third of such businesses have experienced problems with indoor coverage at their premises and this percentage rose to 45% when the same users were at home (where much of their business is conducted ).
The inevitable conclusion seems to be that, with over half of mobile calls being made indoors, the future for Femtocells has never looked brighter.
Femtocells are low powered radio access nodes using licensed spectrum at home, in enterprise or neighborhood public areas to improve indoor or outdoor coverage to increase capacity and offload traffic (up to 80% during peak times).
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Mobile or cell phone credit card processing...Regardless of how you refer to it; its here to stay. It's the new, very cost effective, and scalable way of processing credit card transactions from anywhere and from just about any cell phone.
Below are 5 reasons why mobile or cell phone credit card processing is great for any business. 1 - Accept Card Payments Anywhere
You can transactions from anywhere without having to use any special equipment. You will never again have to worry about receiving payment and losing the sale because you can't take the payment on the spot. 2 - Run Transactions Wirelessly From Any Cell Phone
Run card transactions on-the-go wirelessly through any mobile phone. There is no limit to the number of phones that a business can use to process mobile card transactions. If you need a more secure transaction, you can purchase a swiper that will attach to your cell phone. 3 - No More Carrying around Customer's Credit Card Numbers
Processing transactions wirelessly through a cell phone allows you or your sales team to complete the transaction right on the spot instantly. This eliminates the problem of you or your sales team losing a valuable customer's card number which can lead to fraud. This could be a liability. 4 - Deploy Mobile Credit Card Processing Capabilities to Field Sales...Instantly
Your field sales team can process transactions instantly with their mobile phones. This will save you a ton of money and you will not have to purchase each of your sales representatives their own wireless terminal. Also, it's looks very professional for your sales team to use their own phone instead of tying up a customer's home phone. 5 - Solution to Getting Rid of the Bottleneck back at the Office
Mobile transactions will solve the bottleneck problem at any office. Your sales team will no longer have to rely on someone to run transactions for them back at the office. This happens a lot when a business has multiple employees or departments that run transactions and there are not enough terminals for all employees and/or departments.
So let's recap. With mobile or cell phone credit card processing a business can process transactions anywhere with any cell phone. A businesses sales team will be able to process credit cards instantly, on the spot which in turn will secure a customer's card information and help to eliminate the bottleneck back at the office.
Melvin Pritchett, creator and founder of Trinity Payment Systems, invites you to discover a virtual credit card terminal that allows your business to process credit cards on the go wirelessly (from any mobile phone), at your office, and on your website; from one system. Click the link to learn more about Trinity virtual terminals and to take a video tour: www.TrinityPaymentSystems.com.
(c) Copyright - Melvin Pritchett. All Rights Reserved Worldwide.
