Massive Reductions On New Luxury Items

It seems all Zapadeal Online Auctions result in the winning bidder saving a lot of money and the losing bidders having a lot of fun… trying to win! Also the winning bidder has the new item delivered to the front door… without delivery cost internationally!

You can’t sell your own items at this online auctions place. Zapadeal claim all the items are factory fresh… in-demand products. You could win a new automobile, travel voucher, giftcard or any top brand name technology product.

Social Interactive Auction Format

Zapadeal Online Auctions have several fun action houses. The fast and furious ‘Penny Auctions’ have two versions. The regular penny auction has a 10 second timer and the ‘Hyper’ version has a 5 second timer. Where the fun comes in… firstly you have got to beat the clock… and secondly you need to be the ‘current bidder’ when the time runs out. I guess the idea could be if the other bidders see you’re in it to win… they may withdraw… or at least holdback long enough for the timer to run down!

With penny auctions the price goes up one cent with each bid (all bidding is in US currency). The ‘Set Price’ auction works the same as penny auctions… but the winner of the biding… only pays the ’set price’… no matter what the auction bidding goes to! So with this one you know exactly what you’ll pay before you start. A ‘Set Price’ auction could also be ’set’ at zero dollars.

Longer auctions are the ‘Down to Zero’ and ‘Buy Anytime’ auctions. With the Down to Zero auction… you want to be the bidder that takes the biding to zero! With the Buy Anytime auction… you buy when the auction gets down to a price you’re happy to pay! Both this auctions start at normal retail price and go down 20 cents with each bid.

Zapadeal Bid Credits and Vouchers

To be able to place bids at Zapadeal online auctions you need to:

1. Register Online

2. Buy Some Bid Credits

3. Choose Auction House

4. Choose Item

5. Place Bids.

When you register… you give yourself a nickname. So when you logon each time… you use your nickname (username)and password. Bid credits are the currency used to place bids. You are able to purchase these bid credits in packs from US$20 to US$500. The bigger the package… the cheaper cost per ‘bid credit.’

From the drop-dowm menu you select an auction house. You might pick the quick-action ‘Penny or Set Price’ auctions or the slower ‘Down to Zero’ or ‘Buy Anytime’ auctions. Then from the chosen auction house you select the item that takes your fancy! The item could even be a voucher for a specific value. Vouchers can be turned into products of your choose. Zapadeal Online Auctions have introduced an innovation in auction products. At their online products store you can select an item to spend your voucher on. Zapadeal are international and are working towards having country specific products. It might be that you could select a local product to spend your voucher on.

When you place a bid the price goes down 20 cents… in the Zero auctions and goes up one cent in the Penny and Set Price auctions. That bid has cost you from 50 cents to 66 cents. The residual amount makes up Zapadeals running costs. With each bid you place… you’ll see at the top right hand side of the screen that your number of available bid credits reduces. You can also buy and transfer bid credits to someone else in the system. Also you are able to buy ‘Gift Vouchers’ and have the gift voucher code number emailed along with instructions on how to use the voucher.

Zapadeal Has Eight Auction Houses

Zapadeal is new and they are developing eight auction houses… more than any other online auction place. The popular auctions are the Penny,Set price,Down to Zero, and Buy Anytime auction houses. Other auction houses are:

- Nickel Auctions… the price goes up 5 cents with each bid.

- Exclusive Auctions… the least expensive unique bid wins.

- Up to Zero Auctions… bidding goes up from 5 cents and winning bidder gets itme for ‘free.’

- Charity Auctions… this costs $9.97 to enter and the money goes to charity of your choice.

Zapadeal Online Auctions are introducing a new way to win an online auction. It is the ‘Automated Auction Wizard System.’ This system can be set to do the biding on your behalf. You set your maximum bid and let the wizard do its thing! They seem to cater for everyone, however clicking the bid button yourself… has got to be more fun!

Zapadeal Business Opportunity

Something different from all other online auctions is that Zapadeal have a business opportunity associated with this system. It is an online network marketing business. To become an associate you need to be sponsored in by an existing business associate. New business associates need to buy one of three packages. These packages vary in cost and rewards.They start at US$200 and this includes bid credits.

To receive benefits associates have to be active. They do that by buying $20 of bid credits each month or in accumulating points from customer purchases. Associates don’t ‘have to’ purchase, but being in the business is about making short and long term residual income. The income plan is a two-third/one-third binary plan. Zapadeal expects to have a million customer by the end of 2009. This makes Zapadeal a lucrative business opportunity!

Summary: Reverse Auctions Always Reduce The Price

Most dictionaries indicate that an auction is a sale to the ‘highest bidder.’ Reverse auctions are truly the opposite. At all Zapadeal Online Auctions the winning bidder gets the goods delivered (no delivery cost) to their home on an international basis. If you were the winner of a new car… that car would be sourced in your country with the automobile warranty attached.

Zapadeal is basically another product outlet for top brand manufacturers and merchants. Their business is to move products. The products are paid for… by the ‘bid credits’ purchased. To view results by past winners go through the links below and when on Zapadeal… click ‘Auctions’… click ‘Winners.’ It shows the normal price and the actual price the winner paid! Someone has to win the bids… could be you or me!



Real Estate Professionals

In this article I give you some light of the things you should go through, when you think to get low mortgage rate refinance, which is very constructive, and to avoid the negative aspects.

1. Home Mortgage Loans With Fixed Interest Rates.

Fixed rate means that the interest rate is the same during the whole mortgage duration, whatever happens in the economy or in your own financial status.This loan type is good for a person, who is looking for the same payment month after month.

There is no surprises and you cannot negotiate about low mortgage rate refinance afterwards.It is clear that if you manage to take the mortgage loan with fixed interest rate in the situation, when the interest rates are on a exceptionally low level, you will benefit a lot.

This means also that the economic trends, i.e. on what phase of the cycle the economy is, has a long term influence on the expenses of your mortgage loan.

2. Home Mortgage Loan With Adjustable Interest Rate.

This loan type starts usually with low interest rate, but the rate can change over time according the future interest rate level. So you in a way take the same risk as the general market or the index to which it is tied to.

These adjustable mortgage rate loans are best for the borrowers, who have an ability to take risks and who follow the economy and the interest rates.

3. Jumbo Mortgage Loans.

When you are in the process to get low mortgage rate refinance, you have to remember that in 2007 came a limit for home mortgage refinance loan, “confirming loan limit” of $ 417.000. So if your mortgage refinance loan goes over that, you will need a jumbo mortgage loan.

These new mortgage loans came from nontraditional lenders, which means higher interest rates. And if you now have a jumbo mortgage loan with a capital less than $ 417.000, you have to negotiate low mortgage rate refinance as soon as possible.

4. You Can Make The Comparisons With Good Faith Estimate.

When you do the refinance research, there is one good tool, which you can use, it is called Good Faith Estimate and you can ask it from every company.

By this simple thing you can compare different companies line by line. It really saves your nerves.

Now the companies must publish their terms in the same form without leaving out something.

It is very important that you do the comparison job carefully, like the whole research, because low mortgage refinance is a big and long term decision.

The comparisons are interesting, but still the most important thing is to set clear, measurable targets for refinancing. All offers are then compared with the targets, i.e, do they bring you the things you want.



Quick Property Sale

There are going to be many factors which affect your mortgage rate, some of which are under your control and others which you can do nothing about. You should be aware of all of the factors which might affect your mortgage rate and take them into consideration before applying for a mortgage loan. You can take steps to improve some of the factors which affect your mortgage rate and make decisions about when is best to apply based on basic knowledge about your mortgage.

What is a mortgage?

Most people understand the basic definition that the mortgage is a loan which is used to purchase a home. There is slightly more to the mortgage than this. The mortgage is a loan which uses the property itself as collateral. If you fail to make the payments on your mortgage, the property may be taken over by the lending institution who has given you the mortgage.

You want the best mortgage rates

The mortgage is a long-life loan meaning that it is not going to be fully repaid for many, many years. A standard home mortgage is often a fifteen or twenty year loan. This means that you want the best mortgage rate possible because you are going to be needing to pay this rate for a long, long time.

Factors affecting mortgage rates

Major factors affecting mortgage rates include:

• Amount of down payment on mortgage

• Consideration of closing costs

• Income of mortgage borrower

• Life of mortgage loan

• Life of mortgage rate

• Total mortgage loan amount

• Whether or not the mortgage rate is adjustable

Factors making up a desirable mortgage rate

The basic premise of the desirable mortgage rate is that it is within your budget, has a low interest rate and is paid back as quickly as possible. How all of this plays out in terms of each individual mortgage depends upon the independent factors of each borrower. For example, you might prefer a fifteen-year mortgage loan to one that is paid over thirty years. This will allow you to save money over time because you pay less in interest. However, if you can not afford the higher monthly payments and you default on the mortgage loan, you have not helped yourself out any.

Negotiating a desirable mortgage rate

The simplest method of achieving a desirable mortgage rate is to work with a mortgage broker. You will have to pay up front fees to the mortgage broker, usually at the time when all of the closing costs are paid on the home purchase, but you will save money and time in the long run. The mortgage broker plays the role of assessing your personal financial situation and working with lending institutions to negotiate the best possible mortgage rate for your situation. The mortgage broker has experience with all of the factors and terms used in the mortgage loan negotiation and can use this expertise to your benefit.

Repayment of the mortgage loan

When you are working out a plan of repayment for the mortgage loan, you should look at the amount of money available for down payment, the amount you can reasonably pay on the loan each month, the grace period of any adjustable mortgage loan interest rates and any fees owed for early repayment of the mortgage. Working with the mortgage broker, you should be able to develop a repayment plan for your mortgage which allows you to purchase and remain in your home through the life of the loan.



Quick House Sale

After falling for most of the month of July Mortgage interest rates jumped up. And not only did they move up they jumped to the highest levels we have seen in 2008. 30 Year rates jumped from 6.26 to 6.63 last week. To put that in perspective for the entire month of May mortgage rates fluctuated between 5.98 to 6.08. The increases were not confined to 30 Year rates, 15 year rates went from 5.78 to 6.18, 5 Year Arms went from 5.80 to 6.16 and 1 Year Arms went from 5.10 to 5.49. The interest rates we saw this week for all the major 4 mortgage products were the highest numbers we have seen for all of 2008. When was the last time we saw mortgage rates this high? I looked back through 2007 to find the last time we saw rates this high for the different mortgage products.

30 year – August 2 , 2007

15 Year – August 16, 2007

5 Year – September 20, 2007

1 Year – December 27, 2008

Below are mortgage rates for the last few weeks.

July 24,2008

30-yr 6.63 15-yr 6.18 5-yr ARM 6.16 1-yr ARM 5.49

July 17,2008

30-yr 6.26 15-yr 5.78 5-yr ARM 5.80 1-yr ARM 5.10

July 10,2008

30-yr 6.37 15-yr 5.91 5-yr ARM 5.82 1-yr ARM 5.17

July 3,2008

30-yr 6.35 15-yr 5.92 5-yr ARM 5.78 1-yr ARM 5.17

June 26,2008

30-yr 6.45 15-yr 6.04 5-yr ARM 5.99 1-yr ARM 5.27

Ok so mortgage rates are one thing. But what does this mean for an actual mortgage. using our free mortgage calculator and pulling a number out of a hat we looked at how these rate increases would affect a 200k mortgage.

July 24th

30-yr $1281.28

15-yr $1707.22

5-yr ARM $1219.75

1-yr ARM $1134.32

July 17th

30-yr $1232.73

15-yr $1664.03

5-yr ARM $1173.5

1-yr ARM $1085.89

So starting off the monthly payment on a 200k mortgage with 30 Year loan would be $48.55 more this week compared to last (1232.73 to 1281.28). A 15 Year mortgage would have increased $43.19, a 5 year mortgage increased $46.25, and a 1 year mortgage would have increased $48.43.

So why have rates risen so dramatically. A few bank closures have probably caused some uncertainty in the market. Additionally the FED spent the early part of the year trying to keep rates down and basically ignoring the risk of inflation. That has changed as inflation signs have started to crop up. So now the FED is worried more about the risk of inflation.

So usually when one mortgage product rises I advise potential home buyers to look at the other mortgage products. But this week all the mortgage products rose more or less equally. Therefore my advice would be to start looking at putting down more cash. With interest rates moving up near 7 it might be a good idea to evaluate other investments and consider putting a large down payment on a house. If you are thinking of buying a house in the next few months its probably a good idea to start paying more attention to savings.

So what is going to happen next week? Usually after we see a sudden large increase or decrease the next week we see rates move a little bit in the opposite direction. But what happens with mortgage interest rates over the next week and the next few months to a large extent is going to be based on what happens with the banks and the mortgage industry and at this point with all the turmoil in the markets its a little hard to predict what is going to happen next.



Quick Property Sale

The sub-prime mortgage crisis that struck Phoenix and other places in the US really made an impact on many families. In fact, there are many who are facing foreclosures. So some borrowers who are in danger of losing their homes are now thinking if Phoenix short sales are for them. If you want to know whether a foreclosure or a short sale, such as Phoenix short sale and Arizona short sale, is the better deal for you, read on.

People who are not familiar with Arizona short sale laws often think that just letting go of the ownership to their homes is better than selling it through a Phoenix short sale. However, foreclosure is something that you really must avoid. Aside from losing your house, foreclosure could bring a host of other problems, including having bad credit and ending up with a huge debt. With these things in mind, it seems that any other alternative, including Phoenix short sales, is more advantageous compared to foreclosures.

Ideally, you can sell your home at a much higher price than you bought it. However, with a financial crisis, this is like shooting for the moon. Unless you are talking about markdown sale like a short sale, it may be hard to sell your home. So what is your next choice? A Phoenix short sale or an Arizona short sale is your next viable option. So what are Phoenix short sales? Basically, a short sale, such as Phoenix short sales, is a discount sale of your home. This means that you agree on selling your home at a much lower price. And the money you get will be used to pay off your mortgage. Some lenders are willing to forego of the balance of the loan if homeowners agree on short sales. So Phoenix short sales allow you to fully satisfy your debt even if the amount paid is lower than the amount owed.

People who are facing foreclosure should consider Phoenix short sale or Arizona short sale. This is especially true for those who live in Arizona, where prices of homes have plummeted. Although people end up having neither home nor money in Phoenix short sales, at least they will be able to get rid of their mortgage and other debts. With Phoenix short sales you can use your income or money in your savings account to start on a new slate instead of using hard-earned cash for mortgage payment. And since you might need to borrow again in future, you have to avoid bad credit rating. You can do this with Phoenix short sales.

Some think there may be a few disadvantages with Arizona short sale or Phoenix short sale, such as paying taxes for the difference between Phoenix short sales proceeds and the mortgage amounts. However, this has been solved in because of legislations are already being made to omit paying additional taxes for Phoenix short sales. Once you have already decided that Phoenix short sales are for you, the best thing to do is find a real estate agent to help you. It is not really very easy to find potential investors on your own. Besides, with the help of professionals, Phoenix short sales will be made expeditiously and will be handled well.



Quick House Sale

Car auctions are a great way to look for a vehicle if you know what you’re looking for, and you understand the rules. Just like any purchase situation, auctions have their own set of rules and standards that differ from a private sale. Though each auction house may have different or additional guidelines, most follow the basic set of guidelines listed below. First, the FAQs:

What are the benefits of a Car Auction?

In most cases, you’ll get a drivable vehicle with a pink slip that you can take home that day, or the following day depending on payment schedules.

Where do the cars come from?

You’ll find lots of different vehicles for sale at an auction. Ex-government vehicles, leasing companies, fleet operators, finance companies, and even general auctions with privately owned vehicles. For more details visit to www.auction-entrepreneur-kit.com

Check around the various auction houses often to see if they have what you’re looking to buy. They get different vehicles in every day.

Can you inspect the vehicles?

Yes, in most cases, you can inspect the interior and exterior before the auction begins. However, you won’t be able to test drive the vehicle before purchase. You’ll want to check the times with the auction house and arrive in plenty of time to inspect prospective vehicles.

Are there warranties?

The cars are sold ‘as is’, meaning what you see is what you get. Some auction houses will do a pre-auction inspection and verify problems and damage. However, some auction houses don’t provide this service, so you’ll want to be prepared. Be sure you’re knowledgeable about cars and understand the vehicle’s problems before making the purchase. If you have little car knowledge, bring someone with you that knows what they’re doing.

The Bidding Process

If you’ve never been to a car auction before, you might want to go and visit one before actually bidding to see how it works. Once you register for a bidding number, you’ll be able to get in on the action. Auctions can happen very quickly, so be prepared when the vehicle of choice is announced. Double check the lot or engine number for verification.

When the auctioneer brings a vehicle up for bid, he’ll start at an amount and raise it at different monetary increments, such as $100. When you bid, raise your number and make sure the auctioneer acknowledges your bid. He’ll look to you as the bidding increases for your nod to raise your bid. When the bidding is done, he’ll knock down (bang the gavel) the vehicle to the highest bidder and record their bidding number.

Bidding Rules

Auction houses take bidding very seriously, and you don’t want to end up wasting your money on something you don’t want. For more details go to www.auction-o-matics.com

Make sure you understand what the auctioneer is offering, and the price. Once you make a bid you cannot withdraw it. So by bidding, you’re making a commitment to purchase that vehicle or item.

How to Prepare

Make sure you get your finances in order before the auction. You’ll be expected to give a deposit (usually $500 to $1000). You’ll also want to know what your budget is, so you don’t get carried away during the bidding. If you can, research what kind of car or truck you’re looking for, and get a price range of what that car sells for to help you make bidding decisions.

What Do You Need

You’ll need to show a valid driver’s license or passport (they want a photo ID) and have either cash or a bank cheque to cover your deposit.

Now that you know the rules to car auctions, you’ll be on your way to owning a vehicle in no time. Just be careful to follow the bidding rules, and you’ll end up with the title on a vehicle you’re happy to drive.



Quick Property Sale

Home foreclosures are considered as an opportunity these days. These properties are foreclosed due to loans that have been not paid by the existing homeowner. The situation arises when a homeowner is unable to make their payments, the lender has evicted them and taken possession of the property.

In today’s growing real estate market, foreclosure homes have become a necessity. IT provides a good opportunity for people interested in buying good properties in competitive price ranges. Lenders see it as the simplest way to get out of the loans and for buyers, it is a great way to acquire the desired property.

Advantages of Buying Foreclosure Properties:-

Foreclosure Homes offer the smartest way to save lots of money and time as well. For example, if you are having a low sum of money to invest in getting the best property available in you preferred area, buying foreclosed properties for sale could be the possible best solution. You must remember that the lender needs revenue in exchange of their property. If you want to acquire a property for renting purpose or having a second home or getting a home on vacation basis, you will be able to get the best opportunity in the form of foreclosure homes. Besides saving money on the purchase, you will realize the built in equity that the former owner left behind. Following points on foreclosure properties could be the best for your needs and requirements:

- Any Property, particularly foreclosure home is a best possible solution in today’s real estate market.

- You can browse the listing of foreclosure houses to get the most economical and comfortable investment.

- Foreclosure houses and other foreclosure properties offer you the opportunity to make

and/or save money.

- While searching the best home, you need to gather all the possible information about the listings for availability for foreclosure houses.

Foreclosure homes can be the most fulfilling and interesting real estate preposition for your needs. Search carefully!



Quick House Sale

Do you own your own home or business? If you have a mortgage, and you are working, struggling to survive from paycheck to paycheck you are not alone. There are millions just like you were are in jeopardy of losing their home, because of foreclosure. Foreclosure is when one is behind on the mortgage payment, when you miss two or more payments to the financing company and the bank decides to take your home from you.

Foreclosure is going to wreck your credit, and it is going to leave you homeless. You will have to move out and to another place to live, and sometimes you can even end up owning additional money to the bank even after they take your home or business. If you are unable to pay your monthly payments, you need to find a way to get your finances back on track, to catch up on those payments, and to keep your home.

To get your personal finances back on track you can do a few things. First, if you have already received a letter from the bank about foreclosure you should call the bank. Find out if you can set up any payments to avoid foreclosure. Ask if there is anything you can put up against the house to avoid losing your house. Foreclosures are not something that the bank or financing company likes to do, but must do in the case of your non payment. If you have a retirement account, if you have CD’s or any type of savings this could be the time it is going to pull you out of trouble and for you to avoid foreclosure.

If you have nothing you can fall back on, and the bank states there is nothing you can do to avoid foreclosure you need to get moving on a back up plan. You need to find a place to live, and for your family to move. You need to get out of the house that is being foreclosed, and you need to take with you the stuff you can before the house is locked up by the foreclosing company. The foreclosure of your home mortgage, can often times include the sale of all your personal items to help the bank recoup some of their money they lost on your mortgage. The foreclosure of your home is going to cost the bank money, in interest, payments, and more money in the cost of having to resell your home, which is why items in the home are often auctioned off by the bank.

A foreclosure process is actually quite a long one. If you have missed one payment on your home mortgage loan, you will receive notification by the bank of your missing that payment. If you miss more payments, the bank will begin calling your home. The foreclosure process is going to start. You will not have more than three months, generally, before the foreclosure process begins not only to affect your credit, but also where you live, the items that you own, and your ability to obtain any type of help in resolving the matter.

To avoid foreclosure on your home, get a second job. Cut back on the money that you spend when you are out on the town. Avoid spending money on things such as a cell phone, the car, television shows, extra activities, gifts and presents, avoid spending money that is not being spent on your home. Catching up on your mortgage payments for your home is something you must do to avoid foreclosure by the bank, and to avoid them taking your home.



Repossession

The low interest rates, the easy repayment options with large time periods and its easy availability are some of the major factors behind the pristine esteem gained by the Mortgage loans.

Mortgage loans are basically long term loans that are provided for a period of 15 to 20 years by the federal government or private lending institutions to assist you to purchase a house. The time period for which these loans are extended can be modified according to the borrower’s needs. For instance, some mortgage loans can be limited to a period of 5 years whereas some can extend up to 30 years. However, the time period also depends upon the amount for which loan has been taken. For very small loans the time period cannot be extended beyond a limit.

The rate of interest for mortgage loans can be of two kinds, fixed as well as floating. The basic difference between these two types of interest rates is that, under fixed interest rates the monthly installment that has to be paid by the borrower remains the same irrespective of the changes in the economy. Whereas, under a floating interest rate mortgage loan, the interest rate on the amount for which the loan has been taken and thereby the monthly installments can increase or decrease depending upon the fluctuations in the economy. As a rule the fixed rate mortgage loans carry a higher rate of interest than the floating rate mortgage loans. This is so because they are very secure and don’t carry the risk element that the floating rate mortgage loans do. Thus, although the fixed rate mortgage loans can seem to be costly in the beginning, they prove to be beneficial in the long run.

There are many factors that can affect the mortgage rates. Some of these factors are under the control of the borrower and some are not. Thus, a borrower should be aware of all those factors that are under his command and take every necessary step to ensure that he gets the best deal. Some of the major factors that influence the mortgage rates are: whether it is a fixed rate or a floating rate mortgage loan, the amount for which the loan has been taken, life of the mortgage loan, income of the mortgage borrower, amount of down payment and the closing costs.

It is recommended that a borrower should always opt for fixed rate mortgage loans. Secondly, he should pay down as much as he can for the down payment to minimize the amount for which the mortgage loan is taken. By minimizing the amount needed for the home mortgage, one can minimize the amount of interest paid back over time. If the borrower can afford the monthly installment involved then he should always go for the minimum possible time for the life of a mortgage loan as the length of the mortgage loan can significantly reduce the interest rate on it. Additionally, the borrower should also consider refinancing his first home mortgage or opt for a second home mortgage to pay off the first home mortgage in order to obtain better rates as time goes on.



Quick Property Sale

Times are hard when financial burden is on your shoulders, when debts are heaping upon you and you have nowhere to look except your house. However, you need not to worry since financial crunch can happen to anyone in today’s dynamic times of fast lifestyles and increased consumer and luxury needs.

The economic exigency in your life could have arisen out of various reasons. The common reasons why people have to meet with such situations often includes the cases such as that of divorce. At times, defaults on your debt payments can bring things to a head such that you might face the threat of repossession of your house. In such a situation, rather than lose the house, it is better to sell house fast as to repay the debt and be clear, while also saving your credit report from getting sullied.

This is a popular and also a preferable means to drag you out of your dire situation. You need to sell your house fast as to recover the equity from your house and quickly get access to a large amount of cash that can relieve you of the debt quandary. This quick house sale scheme ensures that you can bank upon your most trusted asset: your home.

At the same time, since it involves your property, to sell house fast may not be very easy. You have to take care of paperwork as well. This is besides the hassle of finding a potential buyer who should not deprive you of a good price for your home by bargaining which is unfavorable to you. The best thing to avoid such circumstances is to avail the help of professional property dealers, who with their knowledge of the real estate market, can help you with valuable advice and also fetch a good price for your house by exposing your property to a wide range of interested buyers through proper advertising and marketing.



Sell and Rent Back