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Glenn Lamb - EzineArticles.com Expert Author  

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  • How to Speed Up a XP Computer
    [Computers-and-Technology:Personal-Tech] I have a three year old Acer AST 160 computer. It came with 512 MB of ram and an AMD 3200+ processor. The OS is Windows XP. The machine is one of several at my Texas insurance and mortgage business. It has recently become used more frequently but ran very slowly.


  • Bissell Quicksteamer Review
    [Home-Improvement:Cleaning-Tips-and-Tools] I got a Bissell Quicksteamer on sale at Sears for $89. It came with a sample size of cleaner solution and a one year limited warranty. My main reason for the machine was some accidents that puppy made on our carpet. I also needed something to clean the traffic areas for my Texas windstorm insurance business.


  • How to Make a Claim With the Texas Windstorm Insurance Association (TWIA)
    [Insurance:Personal-Property] As a Texas insurance agent I found that many people had questions about how to file a claim with the Texas Windstorm Insurance Association (TWIA) after hurricane IKE. I hope that you never have to make a claim for damages. In case you do need to report a TWIA claim here are some suggestions:


  • Financing For a Forclosed Home
    [Real-Estate:Foreclosures] Information on financing a forclosure home in Texas. Advantages and disadvantages of the new "HomePath" program.


  • Texas Condo Unit Owners Insurance
    [Insurance:Home-Owners-Renters] Do you need a condo policy? If so what type of policy should you get, and what features should you look for?


  • Surround Air XJ-3000C Air Cleaner Review
    [Health-and-Fitness:Environmental-Issues] The Surround Air XJ-3000C air cleaner features 5 ways of cleaning air. Two of the cleaning methods are the common technologies of High Efficiency Particulate Air Filtration (HEPA) and an activated carbon air filter.


  • HP Officejet Pro L7590 Review
    [Shopping-and-Product-Reviews:Electronics] I purchased a HP Officejet Pro L7590 on sale for $150 on sale from a mail order supply company. The list price is $299 and I have seen it on sale at local stores for $199, but the prices are often lower if you shop online. A one year warranty was included.


  • Is FHA the New Sub-Prime?
    [Finance:Home-Equity-Loans] I am a Houston mortgage broker and I see a major trend towards FHA mortgages. Two years ago I would guess that in Houston 5% to 10% of home loans were FHA, 20% to 30% were sub-prime, and 20% were Alt A (stated or low doc). Now the sub-prime and Alt A lenders are mostly bankrupt and FHA has grown to around 30%+ of the market.


  • SR-22 Information
    [Insurance:Car-Auto] A Texas SR-22 is a certificate that certifies to the state that you have auto insurance that meets minimum coverage requirements. The company that issues the certificate is also required to notify the state if your coverage lapses.


  • Texas Windstorm Insurance Information
    [Insurance:Home-Owners-Renters] The Texas Windstorm Insurance Association (TWIA) is a pool of property and casualty insurance companies that are authorized to sell insurance in Texas. The association was founded after a devastating hurricane struck near Corpus Christi in 1970. The TWIA provides windstorm coverage for Texas county's where most insurance companies are not willing to offer windstorm coverage because of the huge risk potential.


  • Kenmore DuraPower 37030 Vacuum Review
    [Shopping-and-Product-Reviews] I got a Kenmore DuraPower 37030 bagless upright vacuum on sale at Sears for $99. The regular price is $199 but it is often on sale for less. It has a powerful 12 amp motor, and came with the usual on-board tools and a 30 foot power cord.


  • Texas Windstorm Generator Experience
    [Home-Improvement:Electrical] I recently had a power outage in Houston, Texas after hurricane IKE. We were fortunate to have a generator and that made the house much more livable. Our generator is a Briggs & Stratton model 030235.


  • Fellowes SB-99Ci Shredder Review
    [Shopping-and-Product-Reviews] Shopping for a good paper shredder? You may want to try the Fellowes SB-99Ci Shredder.


  • Royal 160MX Paper Shredder
    [Shopping-and-Product-Reviews] I have several paper shredders for my Houston insurance and mortgage business. Each is a different model and so far I like the Royal 160 MX the best. This shredder is rated for a maximum of 16 pages at one time.


  • National Flood Insurance Program Information
    [Insurance:Flood] The National Flood Insurance Program (NFIP) was established by congress. Texas residents have a large share of the policies and claims with this program. The main purpose of the NFIP is to reduce destructive flooding events and to make affordable flood insurance available to home and business owners. The NFIP works with local governments to develop standards and programs to reduce flooding in developed areas.


  • Mobile Home Insurance Information
    [Insurance:Home-Owners-Renters] Houston mobile home insurance is available from several companies. This article has some tips to help you get the best policy for your needs.


  • Flooding Insurance Information
    [Insurance:Flood] There are three main types of flood damage. You will probably need more than one insurance policy to have good protection from this type of risk.


  • Texas Flood Insurance and Flood Preparation Information
    [Insurance:Flood] FEMA has produced a guide for flood preparation and safety. It starts by saying that "The first step in protecting your home and family is purchasing flood insurance." This seems obvious but may people neglect this coverage or put it off for later.


  • Briggs & Stratton Model 030235 Portable Generator Information
    [Home-Improvement:Tools-and-Equipment] I paid $649 for a Briggs & Stratton model 030235 portage generator on sale at Pep Boys. I live in Houston and there are often storms and flooding events that can knock out electric service. I also wanted to have emergency power for my small insurance and mortgage business.


  • Ryobi RY30 String Trimmer Review
    [Shopping-and-Product-Reviews] I paid $99 for a Robi RY30530 string trimmer at Home Depot. The main reason I picked it was that I didn't want a wimpy electric model and the top of the line trimmers were more than I wanted to pay.


  • Texas USDA Rural Development Home Loan Information
    [Real-Estate:Mortgage-Refinance] The Texas USDA Rural Development home loan program was designed to provide affordable housing for residents in rural areas. In many cases this is the best mortgage for buyers in rural areas. Here are some of the USDA RD program features:


  • Is It Possible To Get A Professional Web Site Design For $199?
    [Internet-and-Businesses-Online:Web-Design] There is a wide range of pricing for website design service. I have seen prices ranging from $199 to several thousand dollars. Recently I wanted another website for Houston down payment assistance information and selected Horton Web Design for the project.


  • Is It Still Possible To Get A Houston Bad Credit Mortgage Loan?
    [Real-Estate:Mortgage-Refinance] Bad credit Texas mortgages are no longer available with no down payment. There ARE still ways to get a mortgage if you have bad credit or previous credit problems.


  • Texas Mobile Home Insurance Information
    [Insurance:Home-Owners-Renters] Texas mobile home insurance is available from several good companies. The cost depends on many factors. Listed below is a quote that I did for a single wide home north of Houston in a park.


  • How to Save on Texas Mobile Home Insurance!
    [Insurance:Home-Owners-Renters] Most insurance companies do not accept manufactured homes on their standard homeowner's policy. There are policies available that are specifically designed for manufactured homes. To get the best value you may want to compare more than one company.


  • Don't Be Mad If Your Mortgage Company Requires You To Buy Flood Insurance!
    [Insurance:Flood] Your mortgage company may require you to buy flood insurance for your home. The main reason they do this is to comply with the Flood Disaster Protection Act of 1973. The minimum amount of coverage they will require is the lesser of: The insurable value of the structure (what it is worth) The remaining balance of your loan The maximum coverage available from the National Flood Insurance Program (Currently $250,000 for residential homes) This applies to property that...


  • Low Cost Texas Flood Insurance
    [Insurance:Flood] Low cost flood insurance is available for most Texas residents. The best rates are with the National Flood Insurance Program (NFIP). This is a program created by the federal government to provide affordable flood insurance.


  • Low Down Payment Houston Mortgage
    [Real-Estate:Mortgage-Refinance] You can get a low down payment mortgage in Houston with several different programs. In some cases it is possible to buy a home with a little as a few hundred in cash. First the bad news; it is no longer possible to buy a home if you have bad credit and no money!


  • Houston Mortgage Refinance 101
    [Real-Estate:Mortgage-Refinance] If you would like to refinance your Houston home mortgage to get a better rate or terms there are several things to consider. You will usually be able to get the best rate if you can document your income and your credit score is above 640. If your credit score is weak it could be best to bring you score up before you refinance.


  • Texas First Time Home Buyers - Five Steps To Begin The Home Buying Process?
    [Real-Estate:Buying] Where do you start for the home buying process? Here are the first five steps!


  • HP Pavilion a6200n Computer Review
    [Shopping-and-Product-Reviews] I have several computers for my small insurance and mortgage business. The last computer I bought previously was a HP Pavilion a1540n, 4200+ with 2 megs of ram. I had it for a year and it was a nightmare.


  • Texas Sub Prime Mortgage Relief Plan
    [Real-Estate:Mortgage-Refinance] Bush Administration Mortgage Relief Plan. Thousands of Texas homebuyers with adjustable mortgages will have a chance to benefit from a new program announced by the Bush administration on December 7, 2007.


  • Texas Landlord Home Insurance Product Review
    [Shopping-and-Product-Reviews] Texas Landlord Home Insurance - Company Differences. There are a number of good choices available for landlord home insurance in Texas. I have experience selling policies from four different companies. All offer a package of coverage's based on state guidelines described as Texas Dwelling Policies; TDP1, TDP2, or TDP3. TDP1 has the least coverage and TDP3 is the most comprehensive package. Then there are options to select the amount of deductible and extra cost options. I have listed a short summary of my opinion about the differences.


  • Texas NFIP Insurance
    [Insurance:Flood] What is the NFIP? In Texas the least expensive way to get flood insurance is from the National Flood Insurance Program (NFIP).


  • Houston Freddie Mac Home - Possible Information
    [Real-Estate:Mortgage-Refinance] Who are Fasnnie and Freddie? Mortgage loans that do not meet the requirements of Fannie Mae or Freddy Mac are often called "non-conforming". Rates are usually higher for these loans as it will usually be best to get a conforming mortgage when possible.


  • Texas Mortgage Shopping For Hispanics
    [Real-Estate:Mortgage-Refinance] In Houston Texas, Hispanics are a large part of the population. Many of these residents get a mortgage and have a loan officer that only speaks English.


  • Houston First Time Home Buyers - How To Get Started!
    [Real-Estate:Mortgage-Refinance] How to get started in the home buying process! The first step for Houston first time home buyers is to choose a lender and know your financing options. Visit with an experienced mortgage lender and ask for financing information. Here are some items to review:


  • HP Officejet Pro L7580 Review
    [Shopping-and-Product-Reviews] Save money and print faster with the HP L7580 printer! I have a small insurance and home mortgage business in Houston Texas. We have five HP 6310 printers and they have done a good job for us over the last year.


  • What Can You Do If You Are Turned Down For A Texas Mortage?
    [Real-Estate:Mortgage-Refinance] There are a number of reasons why people are turned down for a Houston home mortgage. This article will list a few of the common reasons and what you can do to get a mortgage approval.


  • 7 Ways To Save On Your Houston Homeowners Insurance!
    [Insurance:Home-Owners-Renters] Pay less for your home insurance!


  • Texas Lender Required Flood Insurance Information
    [Insurance:Flood] Who are you going to call if your lender requires flood insurance? Lender required flood insurance is an issue for many Texas homeowners. When a home is located in an area of increased risk for flooding, the federal government tells lenders to require flood insurance.


  • Texas Landlord Home Insurance Information
    [Insurance:Home-Owners-Renters] Texas landlord home insurance is different from a standard homeowner's policy in several ways. Because of this a landlord will usually get a specialized type of homeowners insurance. This is sometimes called a dwelling policy.


  • Houston First Time Buyers Mortgage Information
    [Real-Estate:Mortgage-Refinance] Texas First Time Homebuyer Information.


  • Improve Your Credit Score For A Texas Mortgage
    [Real-Estate:Mortgage-Refinance] Improve you credit score to get a mortgage! At one time you could get a mortgage with bad credit and a small down payment, or even no down payment. Many of these loans were possible even if you couldn't document sufficient income.


  • Don't Make The Googlebot Mad!
    [Internet-and-Businesses-Online:SEO] SEO to avoid ranking penalty. Internet search engines (Google, yahoo, msn, etc.) use software called "bots" to visit millions of websites. They collect information that is used to select the order of sites to display when someone does a search.


  • Houston Personal Watercraft Insurance Information
    [Insurance:Watercraft] What you need to know about Houston Jet Ski insurance.


  • Houston Jet Ski Insurance Information
    [Insurance:Watercraft] What do you need to know about Jet Ski insurance?


  • Houston Boat Insurance Information
    [Insurance:Watercraft] What do you need to know about boat insurance?


  • Houston Landlords Home Insurance Information
    [Insurance:Home-Owners-Renters] What do you need to know about a landlords insurance policy? Houston landlord insurance is a type of homeowner insurance for homes that are leased to others. Most insurance companies will not allow customers to purchase a regular homeowners policy for a rental property.


  • Significant Flood Events
    [Insurance:Flood] Are you prepared for the Hurricane season?


  • Houston Flood Insurance Information
    [Insurance:Flood] What makes Houston a special market for flood insurance?


  • Houston Home Service Protection Plan Information
    [Insurance:Home-Owners-Renters] Do you need a home service protection plan?


  • Texas No Closing Cost Mortgage
    [Real-Estate:Mortgage-Refinance] Save on your next mortgage with a no fee mortgage!


  • Houston Freddie Mac Home Possible Neighborhood Solution Information
    [Real-Estate:Mortgage-Refinance] Home Possible Neighborhood Solution Mortgages For Those That Support Our Community.


  • Texas Fannie Mae HomeStay Initiative Information
    [Real-Estate:Mortgage-Refinance] Sustainable Homeownership With The Fannie Mae HomeStay Initiative.


  • Houston Refinance Mortgage Information
    [Real-Estate:Mortgage-Refinance] Information about Refinancing a Texas Mortgage!


  • Texas Fannie Mae Mortgage VS Freddie Mac Mortgage - Which Is Best?
    [Real-Estate:Mortgage-Refinance] Is it better to get a Fannie Mae or a Freddie Mac mortgage? For a Texas mortgage a large percentage of buyers get a loan that is made possible by Fannie Mae or Freddie Mac. They work in the secondary market to provide a good supply of mortgage funds. Home buyers may get a Fannie or Freddie loan without even knowing they have this type of loan.


  • Texas Freddie Mac Mortgage Information
    [Real-Estate:Mortgage-Refinance] Is a Freddie Mac Mortgage Right For You? Texas Freddie Mac mortgages are a good choice for many home buyers. Freddie Mac is short for the Federal Home Mortgage Corporation (FHLMC). They were chartered by Congress in 1970 and have financed more than 50 million homes in America.


  • Texas Fannie Mae Expanded Approval Mortgage Information
    [Real-Estate:Mortgage-Refinance] Texas Fannie Mae Expanded Approval Mortgage Information.


  • Houston Fannie Mae Mortgage
    [Real-Estate:Mortgage-Refinance] Fannie Mae could have the best mortgage for you!


  • Houston FHA Mortgage Information - Questions and Answers
    [Real-Estate:Mortgage-Refinance] What is a Houston FHA loan? This is a mortgage made by a private lender where the lender is insured against default by the Federal Housing Administration.


  • Low Cost Houston Auto Insurance
    [Insurance:Car-Auto] Houston auto insurance is more expensive than insurance in most cities.


  • Houston My Community Mortgage Information
    [Real-Estate:Mortgage-Refinance] The Texas My Community Mortgage program was introduced in 2000 by Fannie Mae. This program is designed to make it easier than ever to afford a home! In many cases these loans are made with a small or no down payment. (Up to 100% LTV loans) The rules for credit history are less restrictive than what most lenders require, and the finance rate is low. There is flexibility on income source which includes counting boarder income from relatives or non-relatives.


  • Houston Subprime Mortgage Information
    [Real-Estate:Mortgage-Refinance] Houston sub prime mortgage loans are about a third of all Houston metro loans. These are loans that don't qualify for prime mortgages because of credit problems or limited credit history. Sub prime loans have higher finance rates to compensate the lender for an increased risk.


  • Texas Health Insurance Information
    [Insurance:Health] Consumers will often have a savings from getting a health care policy because the insurers get a large discount from the health care providers. This means that the insurance company can add a margin for profit and overhead and still offer a very good value for customers.


  • Texas Dental Insurance Information
    [Insurance:Dental] Why Get Dental Insurance?


  • Houston Homeowners Insurance Information
    [Insurance:Home-Owners-Renters] Houston homeowners insurance has had some changes over the last few years. Previously most homeowners selected a HOA package for the least expensive coverage or a HOB package for more complete coverage. After the Texas lawsuits involving mold many insurance companies no longer offer HOB packages because they include mold coverage.


  • Houston Mortgagage Insurance Information
    [Insurance:Life-Annuities] Houston Mortgage Insurance - General Information.


  • Houston First-Time Homebuyer Loans
    [Real-Estate:Mortgage-Refinance] Houston First Time Homebuyer Information.


  • Texas Renter's Insurance - 5 Reasons to Get It!
    [Insurance:Home-Owners-Renters] 5 Reasons to Get Renters Insurance. As a Houston insurance agent I have found that many renters do not have renters insurance. It is very unfortunate when renters have losses without insurance protection. Here are five reasons to consider this coverage:


  • Texas Flood Insurance - 8 Reasons Why
    [Insurance:Flood] 8 Reasons to get flood insurance.


  • Do You Need an Umbrella Policy?
    [Insurance:Umbrella] The purpose of an umbrella insurance policy is to extend the range of coverage above the limits you already have. Insurance companies will typically offer auto and homeowners insurance up to around $500,000 for liability. This is enough to cover most claims. However serious accidents can result in lawsuits above $500,000. An umbrella policy can give you an extra layer of protection for your assets.


  • Insurance for Asset Protection
    [Insurance] How to Protect Your Assets.


  • Auto Insurance-What is Full Coverage?
    [Insurance:Car-Auto] Do you have good coverage for your vehicle?


  • Juvenile Life Insurance Information
    [Insurance:Life-Annuities] Juvenile Life Insurance - Information for Parents


  • Homeowners Insurance Information
    [Insurance:Home-Owners-Renters] Homeowners Insurance - What Company Has The Lowest Rates?


  • Website Mistakes To Avoid
    [Internet-and-Businesses-Online:Web-Development] Website and SEO mistakes to avoid! I have twelve websites. I have produced three by myself and the rest were designed by different developers. This has given me a chance to make many different mistakes along the way. Here are some of the lessons I have learned.


  • Axandra SEO Software
    [Internet-and-Businesses-Online:SEO] SEO - Do it yourself I have several business websites. After paying two companies for search engine optimizing I was disappointed with the results. I purchased Axandra software as a tool to do SEO myself. The manual opened my eyes about what needs to be done to have a website rank high in the search engines. It is easy to read and gives step by step instructions on how to optimize a web site and use their software package.


  • Insurance As a Second Job
    [Business:Careers-Employment] How to sell insurance as a second job.


  • Traffic Ticket 101
    [Legal] Beat Your Traffic Ticket!


  • VA Loan Information
    [Real-Estate:Mortgage-Refinance] A VA loan is a mortgage for an eligible veteran that is guaranteed by the federal government. To qualify generally requires 181 days of peacetime service and a discharge that is other than dishonorable. For service during wartime 90 days of active service is needed. You can also may be eligible with a minimum of six years service in the National Guard or selected reserves. Contact your local VA office if you are not sure if you qualify. A veteran’s entitlement is $36,000 (some exceptions may apply). A lender will usually loan up to four times the entitlement amount without a down payment. The property will need to appraise for the selling price to qualify for the zero down feature.


  • Life Insurance - Buy Term and Invest the Rest?
    [Insurance:Life-Annuities] Life Insurance - Should you buy term and invest the rest?


  • Texas Reverse Mortgage - Ten Questions and Answers
    [Real-Estate:Mortgage-Refinance] Texas Reverse Mortgage - Questions and Answers


  • Auto Selling as a Career
    [Business:Careers-Employment] Selling cars as a career.


  • How To Special Order a New Vehicle
    [Automotive] Should you special order your next new car or truck? If so, how to do it!


  • Dental Insurance Information
    [Insurance:Dental] Dental Insurance - Should You Get It?


  • Selling Insurance In Texas
    [Business:Careers-Employment] Insurance Employment - Carrer Information


  • Texas Flood Insurance Information
    [Insurance] Texas Flood Insurance Information and Rates: Texas, Florida, and Louisiana have the most flood related damages in the United States. Texas has millions of acres that are prone to flash floods, more than any other state. Large coastal areas and high rainfall rates contribute to the flooding problem.


  • Houston Insurance
    [Insurance:Car-Auto] Where to get the lowest auto insurance rates?


  • HP 6310 Officejet Printer
    [Computers-and-Technology:Hardware] HP 6310 Officejet printer review.


  • Final Expenses - Where Will The Money Come From?
    [Insurance:Life-Annuities] Final Expense Information.


  • What To Do In Cancun! And How Much Does It Cost
    [Travel-and-Leisure] Activities and prices in Cancun.


  • Pre-Paid Legal Services - Do You Need It
    [Legal] Pre-Paid Legal Services - What it is and do you need it?


  • Parent Teen Contract for Teen Drivers
    [Home-and-Family:Parenting] Will you have rules for your teen driver? Here is a parent - teen contract that you can use.


  • Renters Need Renters Insurance!
    [Insurance:Home-Owners-Renters] Why renters should have renters insurance. If you are renting a residence there are many reasons to get a renters insurance policy. As an insurance agent I find that this is coverage that many customers overlook. Recently a large apartment complex near my office had a major fire. An employee of the apartment complex said that many residents had lost all their possessions.


  • What is Universal Life Insurance?
    [Insurance:Life-Annuities] Information about Universal Life insurance. There are many different types of life insurance plans available. Most people are familiar with term life insurance that pays the policy amount in the event of the insured’s death. Term insurance policies often have a premium guaranteed not to increase for a fixed ...


  • Information About ARM Mortgages
    [Finance:Loans] Why would someone want an ARM mortgage?


  • FHA Loan Information
    [Finance:Loans] FHA Loan Infromation


  • Cancun on a Budget
    [Travel-and-Leisure] Tips on how to vacation to Cancun on a budget.


  • Life Insurance Basics
    [Insurance:Life-Annuities] Life Insurance Basic Concepts Life insurance is a product that provides protection for loved ones. There are many different life products to fit different needs. The major categories are term and whole or permanent policies. Term life is the least expensive coverage and pays the policy amount in the event ...


  • Auto Insurance Tips
    [Insurance:Car-Auto] Tips on Auto insurance. Saving money and selecting coverage.


  • Reverse Mortgage Information
    [Real-Estate:Mortgage-Refinance] Reverse Mortgage Information. Tax free cash for homeowners over 62.


  • Buying A New Car Without Getting Ripped Off!
    [Automotive] Don't get ripped off buying a new car... The first tip is to go slow in the shopping process. The dealer will usually press for a commitment to buy TODAY! Don’t be rushed to buy. There is almost never a great deal today that will be gone tomorrow. First...


  • Buying Homeowners Insurance
    [Insurance:Home-Owners-Renters] Tips for buying homeowners insurance.


  • Flood Insurance Information
    [Insurance] Flood Insurance, why you need it and where to get it! In 1968 the National Flood Insurance Program (NFIP) was established to offer flood protection for property owners. The insurance is sold by private participating companies and the risk is backed by the federal government. The cost is...


  • Own Your Own Insurance Business
    [Insurance:Agents-Marketers] How to own your own insurance agency. To start an insurance agency you will need to decide on going independent or being a captive agency. Some of the best known captives include Farmers, St Farm, Nationwide and Allstate. Captives sell exclusively, or mostly, one brand of insurance. There are advantages and disadvantages of each so it is advisable to investigate both.


  • Auto Insurance For Your Kids
    [Insurance:Car-Auto] Can You Afford Auto Insurance For Your Kids? Auto insurance can be very expensive for young drivers. Parents are often worried (with good reason) when a young adult reaches driving age. Here are some things that can help manage the risk and cost.


  • Teens and Illegal Drugs
    [Kids-and-Teens] Parents can have a hard time communicating with tees about illegal drugs. Here is a parent to teen letter about this.




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