The decision to sell one’s land is indeed not an easy process. Unless you are in the business of real estate, the processes that are involved till the transaction gets through could be appalling. The seller of the land should be in possession of certain crucial documents which have been listed below: Purchase agreement: This document will be signed by the buyer when an offer is made on the land up for sale. This legal document confirms the intent of the buyer based on all the clauses in the purchase agreement. Once signed, the document becomes legally binding on both parties. The crucial points of the sale, including terms of sale, agreed price, and other deliverables of the deal need to be mentioned in the purchase agreement. Disclosure documents: The owner is bound to disclose all liabilities and defects of the property. These disclosure requirements vary from state to state, and hence it would be advisable to draft the document with the guidance of a real estate attorney. This form needs to be filled completely and honestly based on the seller’s experience of the property. Land contract: This document becomes necessary if the seller offers self-financing. This is a separate legal contract that specifies the terms and conditions between the buyer and seller. This document will include the location of the land with its address and detailed description. This document will list out the price agreed on, the initial payment, the monthly payment schedule, the amounts worked out, the dates of payment, grace period, and mode of payment. Once the contract is signed, the buyer will be treated as the property owner, and he would become responsible and liable to pay all bills and taxes for the said land on sale. Sale deed: This is the document which transfers the ownership from the seller to the buyer. If the buyer pays cash, a deed is made and filed with the appropriate government agency at the time of closing the deal. If the seller provides financing, the deed will be held in escrow till the last payment is made. Closing statement: This is required to document the financial transactions between the buyer and the seller. This can include an amortization schedule. The above-mentioned documents certainly ensure a hassle free sale process when you are selling your land.

If you're nearing retirement, or planning for the future ahead, saving up for your retirement is always a smart move. These are many finance savings instruments in the investment market these days. Income fund plans are one of the most beneficial, especially in terms of long term goals. Saving for your retirement doesn't need to be a chore; in fact, it can be pretty easy if you take the right steps. If you're looking for a couple of good income fund plans, read right on. These five popular income fund plans are categorized on total returns, return consistency, capital preservation, and low expenses. First Trust Morningstar Dividend Leaders Index (FDL) With a 20.27 percent 3 year annualized total return and a 3.22 percent 12-month yield, this one of the popular ETF plans. It ranks within the top twenty-two of the U.S. News Best Fit List. First Trust Morningstar Dividend Leaders Index usually invests 90 percent of its total assets in common stocks that comprise the index, which is tracked by the FDL. iShares Dow Jones Select Dividend Index (DVY) This plan offers a 3-year annualized total return of 21.06%. DVY helps track the iShares Dow Jones Select Dividend Index which comprises of the 100 highest yielding stocks in the Dow Jones U.S. index. This is screened for various criteria such as dividend per share ratios, five year average payouts and minimum daily trading volumes. Nicholas Equity Income I (NSEIX) This plan is ideal for those who aren't thriving risk takers and have low tolerance for high risks. Typically best suited for those who'd like conservative growth and fixed income on their returns in the long-term for their retirement plans. PowerShares HY Equity Dividend Achievers (PEY) Hailed as one of the best income fund plans since the financial crisis, PowerShares HY Equity Dividend Achievers takes a contrarian stance. Its expense ratio makes it a big premium in contrast to other popular dividend strategies in the market. Vanguard Equity Income (VEIPX) If you're looking for consistent and above average returns on your dividends, you'd be happy to know that the Vanguard Equity Income Fund (VEIPX) invests in the stocks of medium and large sized companies. Typically, the stocks they invest in return above-average dividends in the stock market's industry. They also tend to use multiple financial advisors and keep up-to-date with the market inflation and other financial crises to ensure consistency in their returns. If you're looking for something safe, consistent and for a plan that offers quality investment options, then this plan can be right for you.

If you’re looking for a one-stop solution to all your retail appliance and electronics needs, then the ABC Warehouse is the place for you. Though the company is based in Michigan, they have opened stores in both Ohio and Indiana. They have everything from kitchen appliances to home decor at affordable rates. As their motto goes; the closest thing to wholesale. So, read on to know why you need to opt for ABC Warehouse appliances. Best possible prices If you’ve wanted the right mix of both online and offline shopping, then ABC Warehouse is the one for you. At the website, you can find deals that would beat any discount offers you’ve seen- both instore and online. But it’s less so much the pricing, and more so much how many ways you can make the payment in. Moreover, ABC Warehouse appliances can be bought with the ABC Warehouse credit card. ABC Warehouse credit card The ABC Warehouse credit card comes with a number of benefits; you have multiple payment options, you can also make easy EMI payments. However, the highlight is that there is no interest charged for EMI payments cleared within six months of purchase. And you have a number of card-holders’ exclusive offers that can save you a lot on your wallet. Another thing that makes this card so user-friendly is that anyone can apply for it regardless of their credit score on any previous credit cards. You can also pay by phone and mail, using your ABC Warehouse credit card. Multiple store locations You can apply for the credit card online and in store. As for their brick and mortar stores, there are 42 outlets scattered throughout Michigan, Ohio, and Indiana. There is a store locator on the website you can use to find the store nearest to you. Rebates and offers On the ABC Warehouse website, you will find an entire page dedicated to just the rebates and promotions being run on different brands and appliances. Most of these have an expiry date and come with added features such as free home delivery. If you’re conscious about the specific brands you pick, then this page is a great way to get the brand you want at a steal price. ABC Warehouse appliances are all authentic and tested, and with the easy payment, selection, and returns or exchange features, there’s no reason to look anywhere else.

Who doesn't want a beautiful swimming pool in their backyard or patio? A well-designed swimming pool in the comfort of your home's outdoors offers a perfect place to unwind with family and friends. From leisure to luxury, these outdoor swimming pools will do your money justice. To help you know better, here are some of the popular types of swimming pools.

• Regular pools Regular pools come in average sizes. This one covers a certain area of the ground and can be referred to as 'in-ground' pools. This also is the most commonly preferred option amongst buyers.
• Infinity pools The infinity pool design draws the edge of the pool towards infinity, creating an illusion of spaciousness. These are pretty cool to look at and are a trendy choice for swimming pools.
• Lap pools If you are into competitive swimming or want athletic training out of your pool, then lap pools are an ideal choice. These are used for swimming laps from one end to the other and come in a skinny, long, rectangular design. They can also be used as regular pools.
• Zero-entry pools Swimming pools that open up gradually inside a beach-themed backyard environment are known as zero-entry pools. These are savvy to look at and often give kids a reason to glee with joy.
• Swim spas Swim spas are pools designed for relaxing and can be heated up to serve as a hot tub or a massage spa.
• Plunge pools If luxury is a necessity, then the plunge pool is for you. These are small, compact, and designed for dips and cool-offs, in the courtyards or backyards.
• Exercise pools Exercise pools are ideal for swimmers who love good training. Jets of water push against you in waves, which create a suitable environment for practicing various strokes and performing swimming sports exercises in the pool. You don't need to move around while swimming or even flip around since they are designed that way.
• Above-ground pools These swimming pools are constructed above the ground with deck-like designs. Ideal for tight-budgets, these provide a resourceful and creative touch.

Auto covers, which include truck covers, boat covers, and even RV covers, are designed to keep your vehicle clean and protected from vandalism and environmental damage. They are designed on the basis of where you park your vehicle and the overall environmental topology of your location. There are a huge number of brands that have come up with their signature blend of fabric materials to protect the color and other features of your vehicle. The following article mentions some of the top auto cover brands and the materials they use to help keep your vehicle protected. Read on to find out more: Dustop The Auto cover is by Covercraft and is manufactured in our country by Kimberly-Clark. They manufacture auto covers ranging from luxury car covers to truck covers, boat covers, and even RV covers. The auto cover is a soft, flannel-like fabric constructed from four layers of non-woven composite material. The makers of auto covers use an ultrasonic lamination process, which creates a high degree of dust protection. Dustop auto covers are manufactured mainly for indoor car storage. Tan Flannel This indoor auto cover, as the name suggests, is made of a blend of flannel and poly cotton. The underside being flannel in fact almost creases on your car paint. It has a long-wearing property and can be reliably used for years. The fabric is 50% heavier as compared to the other entry-level auto cover brands. The fabric blend is breathable, allowing the heat and moisture to escape. Available only in tan color, it is treated to resist mildew. Weather Shield The fabric of these covers is made for cars that are parked in the open. It is a lightweight cover fabric that is manufactured using the encapsulation process. The fabric is originally intended for high-performance sportswear. The mentioned encapsulation process uses a breathable material surrounding durable polyester fabric, which helps in resisting water and sunlight. The auto cover is also UV resistant, which slows down the (naturally occurring) color degradation. It has an absorption factor of nearly 2%, which is impressive when compared to the 40% absorption factor of the other auto cover brands. As a result, it always helps keep your vehicle dry. Noah™ Another one of Covercraft’s creation, the outdoor auto covers of Noah™ are made from a blend of polyethylene and nylon, which makes them suitable for wet weather protection. Noah™ Auto covers have a good water, UV, and dust resistance. The breathability of the fabric expels the moisture and heat trapped beneath the cover. The auto cover weighs a mere 5 ounces per square yard.

Most often, prayer beads can be traced back to the middle ages. However, in recent times, they are known to have a universal appeal. At present, religions of almost two-thirds of the population across the globe use some form of beads, such as Muslim, Christian, Buddhist, or Tibetan prayer beads. This article mentions a few types of prayer beads that can be purchased through e-commerce stores. One can consider buying these beads as a tool for their spiritual practice. Prayer warrior paracord rosary This unique prayer bead for Catholic men is made of strong paracord material. It has been exclusively designed by Revolution Rosaries, located in California. Acrylic material is used to create this product, and the metal used here is alloy. You can buy this on e-commerce portals for roughly $34. Unisex Meditation Tibetan prayer beads If you practice yoga and meditation, this necklace from Mandala Crafts Store can help you focus better. These Tibetan prayer beads are ideal for meditating, yoga, and chanting. The necklace contains 108 beads and one guru bead. It has a neutral design, which indicates that it is ideal for men and women of any age group. Moreover, it is versatile and can be used as a wrap bracelet or a necklace. These beads are commonly used by Buddhist, Japanese, Korean, Chinese, Hindu, and Tibetan monks and believers. Zen priests and followers also use these beads. The number 108 is considered sacred in yoga and meditation. In Tibetan Buddhism, this number depicts the 108 holy books, which consists of Buddha’s words. The surface of the beads does not have any finish. With time, it will shine after you touch the beads while meditating. Mini Catholic rosary bracelets These prayer beads by the brand Juvale come in a pack of 24. This set of mini rosary bracelets can be the best gift for celebrating your faith in Christianity. You can give them to your loved ones and friends during landmark occasions, such as baptisms and weddings, or for festivals like Christmas and Easter. Another positive aspect of these beads is that they come in a compact size. This makes it easy to carry while traveling. You can keep a mini rosary bracelet in different places, such as your gym bag, purse, backpack, and rear-view mirror.