Thursday, June 27, 2013

                                                                     Wideman Pools
2565 US Hwy 67
Festus, MO  63025
636-931-POOL (7665)
                                                             www.widemanpools.com
 

 

Money Wise Moves on Getting Swimming Pool Loans

 

 

Building a house with a swimming pool is no longer a luxury nowadays. With its feasible function as well as its financial advantage, swimming pools are now considered as hot portion of a house.

Experts say that the presence of swimming pools in homes create a higher market value, bringing homes at a greater perspective. No wonder why homes with swimming pools that are on resell have higher resale values compared to those that do not have pools.

For this reason, more and more people are now opting to build or refurbish swimming pools in their homes. In a survey, 8 out of 10 respondents have stated their desire to build or renovate swimming pools.

However, the process could be very tricky and the financing ability of the homeowner is such a big issue. Building a swimming pool is not such an easy task and requires a lot of tools, materials, and labor force. Hence, there is usually a big amount of money involved.

If you cannot afford to pay the expenses in building or renovating a swimming pool, it is best that you get swimming pool loans.

Swimming pool loans fall under the category of home improvement loans. These loans are usually used to add value to a certain house. Hence, the resale value becomes higher and more profitable for resell.

However, getting a swimming pool loan is not that easy. Loans are one of the most sensitive money matters and must be dealt with accordingly. Hence, it is important to know the basic rules and tips in getting swimming pool loans to avoid financial problems.

Here is what you need to do:

1. Do your homework

Remember that not all swimming pool loans are created equal. Most of all, loan quotes are not provided in the same context in all situations and in all companies. It is imperative that you personally get in touch with your contractor and ask them the possible quotes for the construction or renovation of swimming pools.

The point here is to get as many quotes as possible. This will make your budgeting easier to deal with. It gives you a generalized scenario of the market. In this way, you will be able to deal with the matters as professionally as possible.

Also, it is imperative that you know the lending institution that you will approach. Check on the background information of the company. How long have they been on the business? Are they worth your time and effort?

2. Look for lower interest rates

Most private lenders that can provide you swimming pool loans, their interest rates can be astronomical. When opting for lower interest rates, financial experts suggest that you compare the interest rate and swimming pool loan tenure offered by your lending company.

The concept is that if your loan is extended over a longer period in years, then your monthly amortization is lower, but the interest is higher.

3. Collateral matters

Most lending companies are particular with three main factors before they can grant you with loans such as swimming pool loans. Factors like the collateral, ability to pay, and the borrower's character.

Among the different lending companies, banks are the ones that are very particular with character. Some may have the capacity to pay but many may not be of good character. Collateral is another issue. Not any lot will do. The location has to be considered.

4. Read the fine print

An important reminder of all: Read the fine print before signing. Things to look out for: high interest rates, pre-payment penalties, and balloon payments. These are all adding up to bury you further into debt.

5. Capacity to pay the loan

Experts suggest that you borrow money only if you have plans of selling the house together with the swimming pool of course in the future. This is because home improvements such as swimming pools add up to the resale value of the whole estate.

So before you get a swimming pool loan, make an assessment first. If your cash flow or even your future profit taken from the resale value of the house is higher than the interest rate, then go ahead and borrow.

So the point in swimming pool loans is to know exactly where you are heading. You do not just borrow because you need a swimming pool. You should also take into consideration its future stake.

6. If possible find a broker with experience in home improvement loans and swimming pool financing. A bank equity loan is not the same as a this type of loan and will almost certainly cost you more.

Yvonne Garcia is the author of various websites including a Swimming Pool Builder Directory which she created while working for a pool company. Find her recommendation for swimming pool loans can found at the pool directory.

2565 US Hwy 67
Festus, MO  63025
636-931-POOL (7665)

Follow or like us click here:
                                                                              www.facebook.com/widemanpools
 
 

Tuesday, June 25, 2013


Wideman Pools, LLC
2565 Hwy 67 So.
Festus, MO  63028
636-931-7665


Kids Creating A Water Show
 
 

Kids doing a choreographed routine using water guns in a neighborhood pool.  This is so cool!  It's not real long and put together pretty darn good.  Have a look by clicking below


 
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click like.
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Thursday, June 20, 2013


Wideman Pools, LLC
2565 Hwy 67 So.
Festus, MO  63028
636-931-7665


     Basic Aqua-fitness Pool Workouts and Stretching



In order to control the heart rate in aqua fitness, it's important to keep the blood flowing between exercises by stretching and walking around

Click on the video below and learn the best way to complete a good water work out.

 
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Thanks!
 

Thursday, June 13, 2013


Wideman Pools
2565 US Hwy 67 South
Festus, MO 63628
636-931-7665
www.widemanpools.com

 

 


Swimming Pools - Hidden Costs


Mic
Level: Platinum

Michael Wellingsley enjoys sharing what he has learned through his years of working with and reading about swimming pools.

When the installation of a swimming pool is being considered, you should know that the total swimming pool cost will be affected by many variables. You should prioritize what you are looking for in a swimming pool and follow this list accordingly. In ground swimming pool installations are much more expensive than setting up an above ground pool, but even the less expensive above ground option will have costs hidden within it.

In ground swimming pool installations will almost always carry a high price tag. Labor and planning are huge considerations when contemplating an in ground pool installation. The cost of an in ground pool can fluctuate greatly depending on the state of the economy and considerations such as material and labor costs..

Overall, an above ground pool installation will save you money compared to going with the in ground option. The swimming pool itself will certainly cost a lot less. Watching for swimming pool sales at the beginning and end of the swimming season is always a wise idea if you are not in a hurry to get your swimming pool up and running.

It is vitally important to move quickly on end of season swimming pool sales. Stock is usually limited to the pools they want to get cleared out. If you plan on looking for early season sales, you should also move quickly, but do not without careful consideration of your purchase.

A pool installation, just like any major project, will have its share of hidden costs. Installing an above ground pool can involve a fair bit of expense devoted to preparing the area where the pool will be located. Excavation my be needed and that cost can vary quite a bit depending on your area. Leveling the area is a vital step however, that must never be skipped.

It cannot be stressed enough that after choosing the pool site, the area being prepared must be made level. The money you spend on getting this part right will help you have peace of mine later. If you have connections within the excavating business, you may be able to save some money on this requirement, but always make sure the site is truly level..

One area where you should definitely hire a professional is the running of electricity to your swimming pool. Amateurs should not even think about attempting this part of the preparation.. Call for as many estimates as you can in order to save some money. This is an important safety measure that should be a priority during an installation of above ground pools.

Getting several bids and shopping around for specials are key to helping to deal with the hidden costs of installing a swimming pool.. No matter how tight the money, is when you are getting your pool installed, you should always keep safety a top priority. By comparing competing bids and looking for specials and sales, you can save yourself a good bit of money and avoid hidden costs.

Michael Wellingsley likes sharing his knowledge about swimming pools. You can read more about pool expenses by visiting his new website about swimming pools.

 

Wideman Pools           
2565 US Hwy 67 South
Festus, MO 63628
636-931-7665              

 Follow or like us click here
                                                                              www.facebook.com/widemanpools

Thursday, June 6, 2013


Wideman Pools, LLC
2565 Hwy 67 So.
Festus, MO  63028
636-931-7665


Video for families of children with special needs highlighting water safety tips from safekids.org
 





All children have needs but children with disabilities often have special needs .......which means they need a little more help or a special device.  Attached below is a video about teaching children with special needs to swim.  They have 3 easy steps to follow.  Please click on the link below and learn and enjoy.

 
 
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