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Archive for December, 2013



PostHeaderIcon What Does Non-Recourse Reverse Mortgage Mean?

The following article includes pertinent information that may cause you to reconsider what you thought you understood. The most important thing is to study with an open mind and be willing to revise your understanding if necessary.

One of the features of reverse mortgage that senior borrowers do not often understand is that it is a ?non-recourse loan.? This term is perceived negatively and brings unease to the homeowners when this is initially explained. The fact is that a non-recourse loan actually provides security to the borrower regarding the collateral.

In a reverse mortgage, it is a requirement to withdraw the home equity from the primary residence where the borrower continually resides. Since the collateral is placed upon the home, it should be the only source of repayment and dissolution of the mortgage contract. As it is, the reverse mortgage converts into cash a percentage of the home equity based on its current fair market value. The allotment can be released monthly or as a lump sum, depending on the preference of the borrower. Even when the period of loan allotment has already ended, the borrower is still under no obligation to repay the loan and may continue to occupy the residence. However, the longer the borrower remains in property, the higher the repayment dues would accrue.

The repayment will commence when the borrower and his family decides to vacate the home and proceeds to sell it. When the borrower passes away, the heirs would inherit the mortgage contract and they are given 12 months to occupy the property, wherein they can decide to continue the financial benefits of the reverse mortgage or to sell the house. The proceeds of the sold property is used to settle the full mortgage loan and the excess of the proceeds will go to the homeowner or his estate.

See how much you can learn about Reverse Mortgages when you take a little time to read a well-researched article? Don’t miss out on the rest of this great information.

In this case, it provides security for the borrower that no other property will be involved in the repayment of the loan. The loan amount is also based on the life expectancy of the youngest borrower. There are cases where the borrower has outlived his calculated life expectancy, especially with the advent of modern medicine and physical activities designed for older generation.

As it happens, the loan obligation dramatically increases and may exceed the property value. Real estate naturally appreciates in value, however there are instances wherein the property depreciates. This happens when the home is not properly maintained and taxes are not updated. Small home repairs such as plumbing and repainting when not immediately responded to can lead to bigger problems.

When the loan obligation exceeds the home equity, the lender can not coerce the homeowner to sell his other properties, whether real or tangible, to cover the payment. The lender assumes the loss in case of depreciation in value; on the other hand, the borrower assumes the loss in case the property value increases.

A non-recourse set up sees to it that your reverse mortgage debt does not exceed the price of the property. Though essentially it may be worth more than the home, however as repayment discussion goes, nothing else should be used to settle the obligation or the lender has no recourse to extract repayment other than the collateral.

It never hurts to be well-informed with the latest on Reverse Mortgages. Compare what you’ve learned here to future articles so that you can stay alert to changes in the area of Reverse Mortgages.

About the Author
By Cher Tour Tickets, feel free to visit our Cher Tickets site: Cher Tickets
In entertainment news, find Cher Tickets now for the 2014 Dressed To Kill Tour. See Cher Live as she performs new songs off her Closer To The Truth album and a lot of her other great hits!

PostHeaderIcon Rib Barbecue Cookout

Lunch during a weekend doesn?t have to be boring. The person can spice this up by adding some ribs aside from the burgers and hotdogs served from the grill.

The key to a good rib barbecue is the preparation phase. The person should first go to the market to get some ribs that have more meat and less fat. Since ribs rarely come without fat, this can later be sliced before throwing this in the grill.

The ribs can be purchased in full or half rack. The person can buy or less which really depends on how many people will be attending the cookout.

The person should also have the right ingredients ready such as ketchup, pepper, garlic, salt, mustard and honey. The ribs can be marinated in the mix for about two hours or longer depending on the preference of the cook before cooking.

The pan should then be prepared. The person can use charcoal if this is not an electronic griller. This should be left at low heat for 90 minutes and then the fun can begin.

It’s really a good idea to probe a little deeper into the subject of Barbecues. What you learn may give you the confidence you need to venture into new areas.

The ribs can be placed in one by one. This should be turned over from side to side to ensure that this is cooked. The remaining sauce from the mix should be brushed on the ribs. A faster way of cooking this will be to close the lid of the grill then checked from time to time.

The person can check if this is cooked by piercing a fork on it. No blood is a sign that the rib is ready to be served on the table. The mix can also be used a sauce for those who want to more taste to the meat.

The person can add some mash potatoes and other vegetables as sidings. It is better to cook more than less for those who want to have another serving. This will save time in preparing a new batch for those who want to fill that empty stomach.

There are two ways to enjoy ribs. The first is to experiment with various sauces or just buy a different brand each time to have a unique taste at the table. The second will be getting a cook book or the internet to learn other techniques of cooking this.

This will surely make the cookout an exciting and anticipated event every weekend that will be enjoyed by all.

There’s no doubt that the topic of Barbecues can be fascinating. If you still have unanswered questions about Barbecues, you may find what you’re looking for in the next article.

About the Author
By Cher Tour Tickets, feel free to visit our Cher Tickets site: Cher Tickets
In entertainment news, find Cher Tickets now for the 2014 Dressed To Kill Tour. See Cher Live as she performs new songs off her Closer To The Truth album and a lot of her other great hits!

PostHeaderIcon The PDA Being Used In Patient Care

It’s no big surprise really, that hospitals are starting to implement the use of PDA’s into their system. Patient care and treatment can easily be stored on the PDA and then synchronized with the main computer of the hospital allowing the patients records to be put into specific files. Once the patient care information is loaded onto the main computer at the hospital then the doctor or nurse can go on to the next patients, and record their patient information and care as well.

Depending on the memory the number of patients that can be stored on a PDA will vary. The amount of information on the patient and the care of the patient will also take up memory. However, doctors and nurses are finding with the use of a PDA to record Patient care information, they are able to get to other patients and obtain information much easier and much faster. Even if the doctor or nurse has to have the PDA uploaded to the main computer once or twice during their shift, this lessens the load of having to actually write out the patient information which is eventually loaded onto the main computer database anyway.

With this in mind, after the patient care information is loaded onto the main computer, others can file them into the appropriate folders and they can easily be reviewed. While in other cases, doctors can record their dianosis or findings about a patient and the patient care that should follow. All with one device. The PDA is appearing in more places as well. But the biggest asset some doctors and nurses feel they have now, is the use of the PDA for patient care records.

You can see that there’s practical value in learning more about PDA. Can you think of ways to apply what’s been covered so far?

In the near future a lot of hospital doctors and nurses will probably be seen less with clipboards in hand, rather they will be carrying PDA’s around into the individual patient rooms to record their progress and their patient care as well. With the use of PDA’s and programs installed on the PDA’s vital signs can be taken and recorded, and other items added if needed to the patient care records.

Some medical professionals disagree with using a PDA for patient information because they feel too many people gain access to the patient information, or that patient information is not properly noted on a PDA where as the paperwork forms of patient care have specific outlines medical staff and professionals go by. This being the case the actual use of the PDA in medical situations such as keeping track of medical information is in a debate.

The medical professionals and staff realize by using a PDA it is much faster and more convenient, however if patient information is in fact listed wrong on the PDA, there could be additional consequences. This being said the issue has become a stand off with a lot of faculty within hospitals as well as clinics, whether the use of PDA’s should be allowed or not. Although those who say PDA’s do in fact help, have started using them for patient information and have had no problems thus far.

Hopefully the sections above have contributed to your understanding of PDA. Share your new understanding about PDA with others. They’ll thank you for it.

About the Author
By Cher Tour Tickets, feel free to visit our Cher Tickets site: Cher Tickets
In entertainment news, find Cher Tickets now for the 2014 Dressed To Kill Tour. See Cher Live as she performs new songs off her Closer To The Truth album and a lot of her other great hits!

PostHeaderIcon Tips To Consider Before Getting Reverse Mortgages

The more you understand about any subject, the more interesting it becomes. As you read this article you’ll find that the subject of Reverse Mortgages is certainly no exception.

Reverse mortgages are becoming one of the most popular options for many people who need money as a supplement for their current income. You right hear so many success stories and good things about this type of mortgage, but don’t leap just yet. Though reverse loans can indeed put money in your pockets when you needed it most, reverse loans are not for everyone and not suitable for every situation. Also, the process of obtaining the loan could be very much confusing and you could end up with unmanageable debts rather than financial bliss.

So what are the things that you need to know before getting a reverse loan? Here are few things to help you out:

Requirements in getting reverse loans

Among the basic things that you should know about this loan is that you must be at least 62 years of age. You must also live in the house where the home equity conversion will be based and you should pay off existing mortgages on that house, if there is any. The value that you can get out of the loan depends on several factors: the value of you house, the mortgage limit imposed by the government for your area or the limit imposed by the lender, both future and current rates, your age and also the fees that shall be deducted upon release of the loan.

The lender will also require you to stay in your home and they cannot seek repayment unless you die or move out. So a disadvantage to this kind of loan is that you are not free to move out and enjoy other places during your retirement.

Mode of getting your money

You can see that there’s practical value in learning more about Reverse Mortgages. Can you think of ways to apply what’s been covered so far?

Most reverse loan lending institutions will give you three options on how you will receive the proceeds of your loan. You can either get the money in a lump sum, as a line of your credit or in monthly payments. But most lenders will allow you to combine these three modes of payout.

The cost of getting reverse loans

Among the most important things to consider is the cost of obtaining a reverse loan. This is because this type of loan can be very expensive. From origination fees and insurance premiums that typically cost about $25,000 or higher ? and that’s only for a mortgage of $250,000. To add to that, there are still interest rates to think about.

Effects on eligibility for government assistance

If you are already enjoying any assistance from government, you should first seek more information on whether getting a reverse loan could affect this. Some of the government aids that could be affected are Medicaid, Supplemental Social Security Income and even food stamps.

These are the just few of the important factors that you should consider and think about before starting to seek reverse mortgages. And if you are just seeking the loan just for luxuries and any unimportant investments, you should think this several times over. Reverse loans equate very expensive and high-cost debts to pay off just to spend on things that aren’t even a necessity.

Hopefully the sections above have contributed to your understanding of Reverse Mortgages. Share your new understanding about Reverse Mortgages with others. They’ll thank you for it.

About the Author
By Cher Tour Tickets, feel free to visit our Cher Tickets site: Cher Tickets
In entertainment news, find Cher Tickets now for the 2014 Dressed To Kill Tour. See Cher Live as she performs new songs off her Closer To The Truth album and a lot of her other great hits!

PostHeaderIcon Teenagers Using PDA’s

Do you ever feel like you know just enough about PDA to be dangerous? Let’s see if we can fill in some of the gaps with the latest info from PDA experts.

Now you see more teenagers using the PDA’s. This is of course considered a good thing as long as they don’t have access to the internet or if they do they are responsible and don’t do things that aren’t appropriate. Teenagers can use PDA’s for calculation conversions and other assignments. They can also keep track of assignments and dates they have to be finished.

Teenagers of course have friends, so they can keep track of phone numbers and email addresses too. Additionally they can organize the data on their PDA letting them also keep track of their friends’ birthdays’ and other events. Some teenagers start spreadsheets of scores for sports. While still others use the PDA for things such as when movies are going to be playing theatres, or days when school will not be in session. Like spring break, or their Christmas vacation time.

Some teachers allow their teenage students to have PDA’s in class because of programs that can be installed on the PDA. Some programs might include dictionaries, calculators, maps, and so forth. Also, a PDA allows a student to take notes as well. Teachers usually don’t have a problem with their teenage students having PDA’s in class if they are being used properly. In some cases, PDA’s have been banned from certain classes for certain periods of time simply because of testing periods.

Once you begin to move beyond basic background information, you begin to realize that there’s more to PDA than you may have first thought.

With the use of the PDA infrared beam it is to easy and to tempting for the teenage students to cheat or to get answers from their friends in the room. Depending on what style of PDA a teenage has and the features it has, may have an impact on whether or not it is allowed in class as well. Most of the PDA’s allowed in classrooms with teenagers are the standard basic type PDA’s.

Used for organization, taking notes, setting assignment due dates, and additional tasks that might be useful for the teenagers education. This is the only reason PDA’s would be allowed in classes. And, usually at the beginning of the school year, a teacher will notify parents whether or not PDA’s can be used at different times in the classroom, however, they will also let parents know that the misuse of PDA’s in the classroom will initially end with the PDA being taken away from the student and the parent must retrieve it from the teacher.

Normally, teenagers will respect PDA’s and realist they are an important asset for their learning, or that they could be an important aspect for their learning. And so the teenager won’t abuse the right of owning a PDA. They also know that the sole purpose of having a PDA is to keep their schedule, school notes, and other things on their calendars at a much easier form of access.

I don’t believe preteens should however have PDA’s because there are a lot of responsibilities that do go along with owning a PDA, such as not losing it and many different unfortunate instances. This of course would depend on the parent and how he or she feels about their preteens maturity level. As to whether the preteen should have a PDA or not.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO Hosting

PostHeaderIcon Things You Should Know About Reverse Mortgages

Are you someone age 62 years or older and wants to find a mean to have additional sum to your income? You might have heard about getting loans or mortgages. But, have you heard about reverse mortgages? This is basically a type of mortgage where you can use the equity of your home in exchange for a loan ? it could be in the form of a lump sum or a monthly payout. The good thing about this is that you don’t have to move out. You actually never have to worry about paying for your mortgage as long as you still live in the house.

It might sound crazy but it’s true. In fact, this is becoming more and more popular in the US for the convenience that it features. But, if there are those that are advocating for this type of mortgage, there are also those who are advising against it. In reality though, obtaining a loan on your home equity can be helpful but not everyone and not all situation is right for it. So here are things that you should know about reverse home mortgages:

Are you qualified to obtain a reverse home mortgage?

According to the FHA, the borrower must be at least 62 years old or older and a homeowner. You must be the outright owner of the home and must have low mortgage balance. You should be able to pay off your mortgage balance at closing with the proceeds of the loan. It is also required that you live in the home. Some financial institutions will also ask you to obtain consumer counseling from an HECM counselor.

Is your home eligible?

Knowledge can give you a real advantage. To make sure you’re fully informed about Reverse Mortgages, keep reading.

Financial institutions require that your home is a single family home type. It could also be a several-unit type of home providing one of the units is occupied by the individual who is obtaining the loan. If you are living in a condominium or manufactured homes, you can also be eligible for reverse loans but you have to meet the FHA requirements and your unit must be HUD-approved.

If I outlive my loan, can the lender take my home?

It is stated that in a reverse loan, you don’t have to repay as long as you are living in the house. But you should maintain the taxes and insurance as well as the state of the property. So, as long as you live and stays in your house, there’s no need to worry about lenders coming after your property.

How much can I borrow?

Depending on your age, the value of your home upon appraisal and the prevailing rates, you can get as much money as you need. The current mortgage limit set by the FHA is also another factor affecting the amount of money that can be released to you in your reverse loan. There are reverse loan calculators online that you can use to help you calculate the amount of money you can get. In general, though, you can get more money if you are older, if the interest rates are lower and if your home is more valuable.

These are just few of the things that you need to factor in when deciding whether to get reverse mortgages or not. Just a rule of thumb, avoid seeking paid services for reverse loan referral because the FHA does not recommend this. Besides, agents can take advantage of you and persuade you to get a loan though you don’t really need it.

About the Author
By Anders Eriksson, now offering the best guide on movie downloads over at free movie downloads

PostHeaderIcon Real Work At Home Jobs

Imagine the next time you join a discussion about Work At Home. When you start sharing the fascinating Work At Home facts below, your friends will be absolutely amazed.

There are many companies that hire employees to work from their homes. Since numerous real work at home job opportunities are available on the internet, you can search and select the most suitable job for you. However, sorting out the real work at home jobs from the numerous job listing can be a time consuming process. But it is better to spend more time and effort to get a legitimate home based job, then being on the rough end of a scam.

By selecting a real work at home job you can enjoy the flexibility of working conveniently at home and at convenient times for you. You can work as a freelancer or you can join as an employee of a company.

Real work at home jobs include customer service, recruiting, sales, technical, telecommuting or writing. You can start working as a home based agent where you are an employee of a company and provide the required customer service. Another type of real work at home job involves providing administrative and clerical support in the form of a virtual assistant. You can also provide technical or creative services to clients.

If you have knowledge in advanced math or science or in some language, then you can select online tutor jobs. You can also join internet based companies that offer assistance to students in various subjects.

You can see that there’s practical value in learning more about Work At Home. Can you think of ways to apply what’s been covered so far?

If you have good command over English then you can select the job of writing articles on every imaginable topic. If you submit the content for payment, then you can get the payment after the article hass been accepted. In turn if you submit to the Associated Content site without payment and submit it as free, you can get $1.50 for every 1000 views to your content.

Real work at home jobs allow you earn smart income without compromising your time. You can schedule your work according to your convenience. Part time, full time are available for some home based jobs. You should not be required to spend any initial charges or fees to get a job.

All you need is a computer with internet connection. You would be required to have some basic computer experience.

There are certain home based jobs that require full time work on a proper schedule but provide health insurance, pension, vacation and other benefits as in the case of real job. But you have to takes lot of effort to find such jobs.

If you have sufficient experience and qualification in any job, then you can get such jobs easily and enjoy the fun of working at home and at the same time you can enjoy the benefits of a traditional employee.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO Hosting

PostHeaderIcon Handcrafters And Sewing

One of the most common crafts that handcrafters indulge in is sewing. This is because there are so many possibilities in this specific craft.

To those who are planning to become handcrafters and specialize in sewing whether for a business or as an avenue to release creativity by producing wonderful pieces of clothing as well as other things such as decorations and personal stuff, they don?t have to spend so much time and money just to learn the craft.

All they need to do is conduct a little research on the basics of sewing, acquire the necessary materials and tools to be used and pump up their enthusiasm in the creation process.

Learning sewing basics

Most successful handcrafters spent so much time on their craft. Because of the amount of time they have spent on this activity, they were able to discover on their own the secrets, tips and techniques behind any successful needlework.

I trust that what you’ve read so far has been informative. The following section should go a long way toward clearing up any uncertainty that may remain.

If you are one of those who want to get into this handicraft, you cannot spend the rest of your life just to learn sewing so it is best to enroll in a simple sewing class that can teach you the basics of sewing, the tools you will be needing, and just about everything you want and need to know about the craft.

For beginners like you, one of the most important things to consider is the type of sewing that he or she wishes to do. Usually, sewing is done using the hand alone because this gives personal touch and displays the sewer’s talent in sewing. But, since the sewing machine is now available to make the work easier, faster, accurate, and convenient, more and more people prefer using it. For hand or machine sewing, you need tools such as different types of needles and threads.

Once you have decided whether you will be sewing by hand or by machine, the next step is to determine what will you be sewing. The most common thing that needs sewing is for making clothes. But, it can also be used in creating other items such as shoes, stuffed toys, curtains, floor mats, tablemats, and others.

After deciding what will sew, you can now proceed to looking for fabrics that will fit it. For clothing and other personal items, the most common fabrics used are made of cotton because this is hypoallergenic, strong, and easy to work on compared to other types of fabrics. But, you may also opt for other synthetic fabric types for curtains and mates such as wool, silk, satin, and others depending on the type of clothes or items you will be sewing.

The next step is to choose patterns for your sewing project. Sewing patterns usually are composed of simple sheets papers that are marked with specific measurements to achieve the proper size and fit for the one who will be using it. After getting everything mentioned, you can now start you very own sewing project and can even share it to other family members and close friends. Who knows, this activity will lead you to develop a new breed of handcrafters that specialize in sewing.

When word gets around about your command of Handcrafters facts, others who need to know about Handcrafters will start to actively seek you out.

About the Author
By Cher Tour Tickets, feel free to visit our Cher Tickets site: Cher Tickets
In entertainment news, find Cher Tickets now for the 2014 Dressed To Kill Tour. See Cher Live as she performs new songs off her Closer To The Truth album and a lot of her other great hits!

PostHeaderIcon PDA’s Are Declining In Sales As Time Goes On

Over the last year sales on PDA’s have increasingly dropped. Palm pilots and those with blue tooth capabilities are still holding at a steady pace. According to the economic statistic poll taken in 2006 PDA sales had fallen by at least twenty percent. Even if incentives were included into the package.

Either people needed more memory, faster processing, or simply liked the idea of having a newer design and brand name. However, the sales of the newer types and brand models, were actually rising. Those that weren’t actually considered PDA’s but a higher upgrade of the version of PDA. Now, some companies are working on different ideas such as faster processing for the PDA, additional software for different types of material and programs. Additional games, and cases are being offered as an incentive to purchase the basic PDA’s too.

Some researchers believe it’s actually the economy. That people are trying to catch up, in order to afford things like a PDA. If this is the case indeed, this is possible. This would ultimately mean that in the near future sales for PDA’s and equipment would sky rocket. This is what manufacturers are hoping is the situation. However, production of PDA’s have slowed down, they haven’t totally stopped obviously.

Now that we’ve covered those aspects of PDA, let’s turn to some of the other factors that need to be considered.

And, the research to improve them, has not stopped either. The improvements are believed to only entice consumers more than before when the PDA was being sold. Sometimes waiting is all that can be done, and this is in a way what manufacturers are doing at this point. Meanwhile, waiting for economy to catch up. The economy is in a bad position right now, and to a lot of people a PDA is considered a luxury more than an asset. Therefore the purchase is delayed.

Most people in offices and hospitals don’t see the decline in sales of PDA’s, due to the simple fact that at this point they are in use by these people. As well as major companies and department stores. College students are currently the highest buyers of PDA’s. When surveyed and ranked among other buyers in different establishments.

Still some of the manufacturing companies of the PDA have started to bring their prices down. Not a lot, however there are some cheaper than they used to be. Or the stores will offer sales and discounts on PDA’s. If you do get a PDA with less programming on it, or a decrease in memory, which in a lot of cases isn’t easy, A PDA is sometimes cheaper too. However the decline is more in part my all the different styles that are coming out so quickly.

Competition in company sales can also cause a decline, because people just don’t know which one is really the best, and they want to wait a while in hopes that some kind of consumer news on a certain PDA will come be released to the public. This being the case, companies will have more PDA’s setting on the shelf of a store rather than sold, because consumers won’t be able to choose.

If you’ve picked some pointers about PDA that you can put into action, then by all means, do so. You won’t really be able to gain any benefits from your new knowledge if you don’t use it.

About the Author
By Cher Tour Tickets, feel free to visit our Cher Tickets site: Cher Tickets
In entertainment news, find Cher Tickets now for the 2014 Dressed To Kill Tour. See Cher Live as she performs new songs off her Closer To The Truth album and a lot of her other great hits!

PostHeaderIcon Working At Home Making Crafts

If you have even a passing interest in the topic of Work At Home, then you should take a look at the following information. This enlightening article presents some of the latest news on the subject of Work At Home.

Work at home crafts requires assembling small products or crafts. These types of jobs are most suitable for stay at home moms, retired, college students and anyone who wants to leave their boring 9 to 5 jobs.

Work at home crafts can help you earn a good weekly income. The job does not require any experience or special qualifications. The companies are in tremendous need of home assemblers and so they are ready to pay smart for work. There is no age limit for these types of jobs. Hence you are guaranteed to get a job.

There are number of companies that offer wide variety of craft works like baby burb pads, dough art, doll house furniture, jewelry, stuffed animals, hand painting, needle work, toys and gifts, wood products and holiday decorations and so on.

You may wonder then why they select you for such craft works. The reason is simple. Hiring home based workers like you is economical and the companies can avoid huge costs of employing large a permanent work force.

Work at home crafts does not require any special skill. You need to follow the easy instructions provided by the hiring company. Most of the crafts can be mastered very quickly. Since there is no boss watching over you, you would be relieved from the pressure of working seriously. You can select your convenient schedule and start working peacefully. You can earn a ncie income from the making craft products. The more you can do, then the more you can earn.

You can see that there’s practical value in learning more about Work At Home. Can you think of ways to apply what’s been covered so far?

Most of the companies hiring home based workers like you for craft works provide payment in the form of a check. You would be paid for every item you send in usually within 3 days of shipment. However the payment may slightly vary from company to company depending upon its policies.

Work at home crafts is the fun way of earning money. You can enjoy your work of doing beautiful crafts and at the same time you can improve your financial position. Since there is no compulsion or deadline to accomplish the tasks, you can do the work without any pressure at your convenient timings say when your child goes to school.

Assembling crafts at home is one of the legitimate home based jobs. However there may be scams. Therefore you must be careful in selecting a job. There are some websites who work as intermediates to companies and home based workers.

Thousands of people have started home craft assembly jobs. People all over the world are making decent income from things they create. Therefore creating craft things is not only a hobby but rewarding work that can provide you full time or supplemental income.

About the Author
By Anders Eriksson, now offering the best guide on movie downloads over at free movie downloads