Looking For Free Online Games? | Online Games

If you are gaming buff, then it probably does not get better than to play online free games, because there are literally so many of them to choose from. All you basically need is an internet connection that you can use and if you have the advantage of that in your home itself, then you can choose and play whichever game you want to from a huge list of them. These free online gaming websites offer a huge variety of games, from action and shooting games to adventure games and Classic Games, there is no doubt that you will find the exact game that you are looking for.You can also choose from the Top 10 Games of the website, these are usually the games that are most played on the site which might the first ones that you would like to give a try as they might be the best on the website. However, Online Flash Games come in all kinds and you will be spoilt for choice, whether it is finding the right kind of kids games for your child for their entertainment or Platform Games for you and your family, you can choose from whatever you want and search for as many others that you want.The biggest advantage of these online games is that most of the websites offer these games for free which means that you can literally choose between hundreds of different games but not have to pay for any of them even if you want to try out all of them. Whether you just want to while your time away with these games or you are really engrossed in them, there is no reason why anybody who likes gaming might not likes these online free games. In fact some of the most popular flash games are the puzzle and board games that you can play along with the rest of your family as well, however if you are an adventurer at heart you might want to try out the great number of racing games and Sports Games that can also be played on the websites.All you have to do now is to find an online website that will be able to offer you so many of these games or even more with lots of choices and all for free. There are many such websites, however you might want to take a recommendation for such a website so that you can be more or less sure about what kind of and quality of free online games to expect. So, while you are online take a quick search or take some advice and try out one of the websites that offer free online games and you might find that you have access to all those games that you have wanted to play.Forget about storing games or wasting money on buying games ever again when you can depend on playing games for free simply on the internet. Try it right now and have fun.

Financial Reform Laws and Its Unintended Consequences – OUCH! | laws and issues

We now have the War and Peace version of the Dodd Frank law in affect. But how is this going to affect real estate business? Is it going to stimulate the real estate industry? Stabilize home values? What about making it easier and inexpensive for consumers when obtaining a California real estate loan or a loan in any state?All answers in my opinion are no. Something had to be done but was the result wasn’t researched or thought out very well.When politicians make decisions and reform to something that they know very little about, isn’t a good idea. Creating sweeping reform using one’s own personal morals isn’t good for business either.For example, limiting a lender contact and not allowing the selection of a specific appraiser (unless the appraiser works as an employee of the lender) is morally a good idea.The result? Appraisal fees have gone up by 25%-50%. Who foots that bill? We do.As a result, many experienced appraisers have left the business and many times appraisers are coming from long distances to appraise a home and know nothing about the local area. This doesn’t bode well for home values.The appraisal issue isn’t a part of the Dodd Frank financial reform. However it’s just an example on how its unintended consequence can affect our wallets.Another moral choice was made in that it’s not right to mark up an interest rate on a California real estate loan which means the lender and loan originator can make more money on a transaction.Sounds fair right? Think again. That mark up on the interest rate frees up a pool of funds that could have gone to the lender as income OR the borrower and could have been used to pay for borrowers closing costs and fees. This is beneficial for first time home buyers who are short on cash and borrowers who don’t want to pay fees on their refinance loan. As a result of the new legislation, neither of these options will be available.On the surface the moral compass is right but there’s wasn’t enough research as to how this change was going to affect all consumers.The credit card part of the reform further illustrates. Credit card issuers no longer can charge predatory fees and rates. But really how many people were paying these rates? Less than 15% of the nation and we all now have to pay in one way or another.Again the moral compass is good. Banks now lacking that income are cutting rebate programs and free checking accounts are no longer going to be free, and preferred interest rates on cards are going up.How is this good for the majority of America?The biggest surprise of the financial reform is that the largest bailouts in American history was given to mortgage giants Fannie Mae and Freddie Mac and they were completely left out of the financial reform act. WOW.2011 will be one of historic proportions since all this new legislation becomes part of our daily lives.Are there more unintended consequences are in store? One thing is for certain it won’t make it any easier or cheaper for the person trying to obtain a California real estate loan or in general, on the middle class American consumer.


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