Messages In This Digest (25 Messages)
- 1.
- The Ups And Downs Of Depression From: Jeff Foster
- 2.
- Carlsbad Real Estate Among The Nation's Most Prestigious From: J Harris
- 3.
- How To Find The Best CD Rates From: Tom Tessin
- 4.
- Atlanta Schools Experiment With Single-Gender Campuses From: Patricia Hawke
- 5.
- UAE Property Guide, Part 3 Of 8 - Ajman Property From: John Hill
- 6.
- The Rose: Curing Society's Ills One Petal At A Time From: Hugh Parker
- 7.
- Busting The Credit Card Myth From: Ainuddin Mohamad
- 8.
- Acquiring The Suitable Buyer For Real Estate Sales From: Tom Beaty
- 9.
- Bronze Sculptures - Bold And Beautiful From: Anita Satin Choudhary
- 10.
- Social Security, Employment And Identity Theft From: Lisa Carey
- 11.
- 5 Essentials For A Healthy Relationship From: Joseph Taylor
- 12.
- Buy Your Ford Mustang Online At A Great Price From: ClassicMustangs
- 13.
- The History And Benefits Of K9 Training From: K9 Unit
- 14.
- How To Choose The Right Corporate Christmas Party Venue From: Dave Mayweather
- 15.
- Meal Planning Saves Time And Money From: Toni Scott
- 16.
- PRINCE2 For A Successful Project From: Robert Norton
- 17.
- Adwords Marketing: Is It The Best, Or Is There A New King? From: Dirk Wagner I
- 18.
- The Chemical Brothers Go Organic From: Colin Galbraith
- 19.
- Spice Girls: What They Really, Really Want Is For You To Love Them.. From: Brad Moon
- 20.
- Whiplash: Half A Second Of Damage Can Take Far Longer To Repair. From: Nick Jervis
- 21.
- Haggle Your Way To A Cheap Property From: P Green
- 22.
- Using Affiliate Marketing To Expand Product Offering From: Donald J. Jones
- 23.
- The Donald Trump Network Marketing Endorsement. Is It True? From: Brian Garvin And Jeff West
- 24.
- Digital Signage - Build Your Brand With In-store Advertising From: James Barry
- 25.
- A Guide To 100% Mortgages From: Michael Sterios
Messages
- 1.
-
The Ups And Downs Of Depression
Posted by: "Jeff Foster" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 2:12 pm (PST)
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Article Title: The Ups And Downs Of Depression
Author: Jeff Foster
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Clinical depression is known to impact the lives of one out of
every six people in their lifetime. But the sad reality is that
the medical community still does not entirely understand exactly
what causes depression to occur in one person and not in
another.
Yes, we do know that depression is hereditary.
Depression can often be found to run throughout the generations
of the same family invading the DNA molecules which make up a
particular family's genes. This causes the family members to be
more susceptible to depression.
However, there is another school of thought that says perhaps
the real reason we see depression run in families is that it is
also environmental in that it all depends on how the children
are raised. If they see the affects of depression encroaching on
the lives of their family and they see the results then they
will learn to deal with life the very same way.
Even though we are quite clear that depression runs in
families, depression is also seen in those without any family
history. Stress resulting from a variety of issues, trauma, or
even prescription medications or illegal drugs have all been
known to cause depression.
Riding the ups and downs of depression can leave you even more
exhausted that the last wave of depression you faced. Depression
is known to run in cycles. You may feel completely fine one day
and the next day you may be completely and utterly unable to get
yourself out of the bed and out of your night clothes. The
dramatic ranges of emotions are well documented in cases of
depression.
Many healthcare providers and scientist alike believe that many
suffering with depression manifest a chemical imbalance of
Norepinephrine and Serotonin which are the feel good
neurotransmitters found in the central nervous system and in the
brain.
These neurotransmitters work to help control feelings of
happiness and well being. The neurotransmitter Norepinephrine
is thought to be a stress hormone; while Serotonin is thought to
control hunger, overall moods, sleep and sexual feelings.
When these chemicals get out of whack they are thought to cause
depression.
So if you think about it, when these neurotransmitters are out
of balance it only makes sense that the roller coaster ride of
depression would result. As these levels of these chemical rises
and falls thereto go the emotions and feelings associated with
them.
The real question is why do some people experience peaks and
valleys with their chemical make up while others seem to be more
stable. Again, it begs the question is it really the environment
in which you were raised or is it truly the ebb and flow of the
neurotransmitters that alter feelings causing the dramatic
impact of depression.
Do you mirror your family because that is all you know how to
do, it is the only way you know to respond or is it that you are
genetically and chemically bound to your family and because of
that simply have no choice of being impacted by depression.
We need more research and time to study this issue before there
is a definitive answer. What we do know is that regardless of
the reason why, we do know that depression tends to run in
families and if you have a family member that has dealt with the
issue then you should be aware of the possibility that you too
could be fighting the same battle one day.
Be aware, seek help early and learn what you can do in order to
prevent depression before it takes control of your life.
About The Author: For more important information on depression
be sure to visit http://www.0-depression. where you will findcom
advice and tips on preventing and treating depression as well as
other articles on keeping you living the fullest life you can.
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- 2.
-
Carlsbad Real Estate Among The Nation's Most Prestigious
Posted by: "J Harris" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 2:12 pm (PST)
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J Harris
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Article Title: Carlsbad Real Estate Among The Nation's Most
Prestigious
Author: J Harris
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The ocean side community of Carlsbad California basks in the
glory of its picture perfect beauty and ideal location. Situated
in Northern San Diego County, California real estate in Carlsbad
combines an aura of both old and new. It is this captivating
charm that attracts many to this prominent coastal community.
With the Carlsbad area growing rapidly, California real estate
in Carlsbad flourishes as well.
California Real Estate in Carlsbad Captures Natural Beauty of
the Coast
California real estate in Carlsbad is known for rejoicing in
the beauty of the Southern California coast. Approximately 42
square miles compose the Carlsbad area, with six miles
encompassed by sensational Pacific Ocean coastline. Abundant
with flowing fields of flowers, the Carlsbad area is famed for
its floral adoration. Flower displays are constructed and
displayed around California real estate in Carlsbad, and
celebrated throughout the San Diego County area.
The Carlsbad vicinity has become a favorite destination for
both vacation and home. California real estate in Carlsbad is
surrounded by all the wonders that nature can offer, including
an ideal climate. Cool summer days and mild, sunny winters make
this coastal area a resident's fantasy. This pleasant climate,
along with the breathtaking landscape, makes California real
estate in Carlsbad a prime possibility for the potential home
buyer.
Diversity Reigns with California Real Estate in Carlsbad
California real estate in Carlsbad is essentially divided into
two specific areas: Old Carlsbad and New Carlsbad. Considered to
be some of the most valuable in San Diego County, Old Carlsbad
real estate is composed of housing that represents a part of the
area's history. Homes with a Victorian style line the city
streets, emitting a charming vibe of the past. Houses located in
Old Carlsbad are generally large, and situated on ample plots of
land. Close to the waterfront, Old Carlsbad residences are
extremely expensive, and rarely on the market.
The modern section of California real estate in Carlsbad is
mostly filled with gated neighborhoods and elaborate executive
estates. The New Carlsbad area caters to those wishing to reside
in a private, separate section of town. While immense beauty is
still present, the newer California real estate in Carlsbad does
not offer the historic character present in older homes.
California real estate in Carlsbad is renowned for its variety
of housing options. Famed for its high standard of living,
California real estate in Carlsbad ranges from $400,000 to more
than $3 million. Prices depend on age, style, and location of
the real estate offered.
California Real Estate in Carlsbad Surrounded by Notable
Attractions
California real estate in Carlsbad is surrounded by numerous
recreational landmarks and activity areas. The vicinity has an
abundance of recreation spots, including 21 public tennis
courts, 20 parks, and eight playgrounds. Known as "The Golf
Capital of the World," Carlsbad is also home to 10 golf courses,
all featuring outstanding views of this vibrant community.
About The Author: John Harris is a researcher and writer on
real estate topics such as economics, credit improvement tips,
home selling advice and home buying preparations. For more
information please visit
http://www.twtrealestate.com/ carlsbad- real-estate. html
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- 3.
-
How To Find The Best CD Rates
Posted by: "Tom Tessin" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 2:12 pm (PST)
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Tom Tessin
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Article Title: How To Find The Best CD Rates
Author: Tom Tessin
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If you're ready to find the best CD rates in your area or on a
national level, it's not as hard as you think. It only takes a
few minutes of your time and another few minutes to sign up for
a new account if you're new to the bank. Below, we will
highlight exactly how you find the best CD rates you're looking
for and where to find them.
Know exactly what you want
Before you start your search, know exactly how much money
you're going to invest into a CD. This will help your search
when you're looking at online banks or at your local banks. A
majority of the banks you look at will require some sort of
minimum. The minimum usually ranges anywhere from five hundred
dollars and up. Generally, the higher the minimum is, the better
the rate you're going to get but this isn't always the case.
Once you know how much you're going to invest, jot this down on
a piece of paper to begin your search.
How long do you want?
When you invest into a CD, you're generally locking your money
with the bank for a certain time period. Depending on the time
period, this will determine how much you're interest is going to
be. The longer you let the bank hold onto your money, the more
you're going to get on your money. The only downfall is, is that
you're not going to be able to touch this money until the CD
matures. You can access your money before the CD matures but
you're going to look at early withdrawal penalties with your
bank.
Bank CDs generally come in all sorts of terms. Some of the
popular lengths are 6 months, 1 year, 2 years, and 5 years. Once
again, depending on how long you want to have the bank hold onto
your money, it's all up to you. Once you decide, jot this down
along side of the amount you're going to invest. Typically, this
is what the banks will need.
Find a bank
You're usually going to find the best rate online. When you're
searching for a CD rate, make sure that the bank is FDIC insured
and also make sure that the bank has a good reputation. If
you're uncomfortable with an online bank, you may also check
your local branches. Don't go with the first local branch you
encounter, there are chances that other banks are offering
higher CD rates.
Whether you want to apply online or locally, it's all up to
you. If you do apply online, you're going to get a better rate.
Once you find the proper bank, the bank will be able to guide
you through the process on how to set it up. If you want to find
out how much money you're going to make on that CD, make sure
you use some helpful CD rate calculators online. This will show
you the exact amount you're going to receive from the bank at
the end of the maturation for the CD.
About The Author: Find the best cd rates and more of Tom's work
at http://www.gotalkmoney.com
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- 4.
-
Atlanta Schools Experiment With Single-Gender Campuses
Posted by: "Patricia Hawke" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 3:11 pm (PST)
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Patricia Hawke
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Article Title: Atlanta Schools Experiment With Single-Gender
Campuses
Author: Patricia Hawke
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There are many studies that both support and denounce the
practice of single-gender schools. For many years, colleges and
universities were all divided based on gender. Throughout
history, boys were able to receive formal schooling, while girls
were expected to remain at home and learn both the domestic arts
as well as the finer skills of catching a husband.
Single-gender schools fell out of popularity in the 1970s but
are enjoying a resurgence in this century. Many people Atlanta
Schools educators and parents alike believe that sending their
children to a single-gender school will ensure that they will
receive the best possible Atlanta Schools education.
Is this true? Well, many people believe so. The benefits of
receiving an Atlanta Schools education at a single-gender
location are:
they improve student performance
they significantly increase graduation rates
they produce a higher number of students who attend college
These are all admirable claims. Let's look at them a little
more closely.
Single-gender Atlanta Schools Improve Student Performance
How can simply sitting in an Atlanta public schools' class with
all boys or all girls improve performance? Well, there's the
obvious; if there are no boys in your Atlanta Schools' class (or
girls), you are less likely to be concerned with your
appearance, flirting, who is dating who or if your make-up looks
right. For another thing, when students are sitting in class
with everyone who is the same gender as they are, they are more
likely to think outside of the box. Literally.
Whether we want to admit it or not, there is gender
stereotyping going on every single day in Atlanta Schools that
are coed. It's pretty much unavoidable, even though many Atlanta
Schools teachers and staff are cognizant of the problem and try
to avoid it. For some reason, our brains naturally assume that
boys are going to be better and more interested in math and
science, and that girls are better equipped for language and
fine arts. In reality, both girls and boys have the capabilities
to excel in all of these areas, but often succumb to what is
socially expected of them instead of following their hearts (and
minds) towards learning about what's most interesting to them.
Increased Graduation Rates and More College Enrollment
Atlanta Schools' students who are attending a single-gender
school may be more likely to reach these goals. Since they've
not been held back from participating in subject areas that they
may not have otherwise attempted, they find themselves to be
well-rounded scholars who graduate high school easily. They are
coveted by higher institutes of learning. No one can deny that
these two benefits of single-gender Atlanta Schools are among
the main goals of public education in the first place. As the
Atlanta Schools are willing to try different approaches, their
students are more likely to succeed. In this case, anyway, the
chance seems to be paying off.
About The Author: Patricia Hawke is a staff writer for Schools
K-12, providing free, in-depth reports on all U.S. public and
private K-12 schools. For more information please visit
http://www.schoolsk-12.com/Georgia/ Atlanta/index. html
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- 5.
-
UAE Property Guide, Part 3 Of 8 - Ajman Property
Posted by: "John Hill" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 3:12 pm (PST)
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John Hill
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Article Title: UAE Property Guide, Part 3 Of 8 - Ajman Property
Author: John Hill
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Ajman is one of the seven emirates (sovereign states) that make
up the United Arab Emirates (the UAE). Ajman is the smallest of
the emirates with an area of only 260 square kilometres. The
main city of the emirate of Ajman is also called Ajman or Ajman
City to distinguish it from the emirate, and to avoid confusion.
The emirate of Ajman is geographically located on the coast of
the Persian Gulf between the emirates of Sharjah and Umm
alQuwain.
Ajman was the third of the emirates of the UAE to allow foreign
freehold ownership of property which has resulted in huge
numbers of investors, both foreign and local, expressing
interest in the emirate. This interest has, in turn seen the
initiation of several property developments in the emirate to
cater for this interest. Primary among them is an area known as
New Ajman, an area of land along the Emirates Road. This area
will contain many new developments and projects which have been
envisioned by the ruler of the emirate Sheikh Rashid Al Nuaimi,
with the chief development being The Emirates City. The New
Ajman area and Ajman city in general is centrally located in the
heart of the UAE, it is only a 30 minute drive to Dubai and a 20
minute drive to the Sharjah International Airport.
The Emirates city development is a residential and commercial
development consisting of 72 commercial and residential towers
ranging from 20 to 50 floors. The development will be surrounded
by two lakes and beautiful green parks as well as containing
educational and medical facilities, mosques, five star hotels
and a shopping district. Interest in the Emirates city
development is huge, with several of the towers having already
been fully sold.
Al Ameera Village (which is also known as the Princess
Village), is another of the freehold commercial and residential
developments being constructed along the Emirates Road in Ajman.
This development will consist of a shopping mall, commercial
areas, a commercial tower, hotel apartments, as well as 41
residential buildings. The development will be fully landscaped
with fountains, gardens, parks and a 500 metre long boardwalk.
Al Ameera Village will house all of the amenities you would
expect from a development of this standard including mosques,
swimming pools, gymnasiums, just to name a few. The development
also features ample parking and wide roads to make traveling and
commuting around the village a pleasure. Al Ameera Village is
expected to be fully completed by mid 2008.
The National Centre for Real Investment Development Company has
also built, and is constructing several residential towers for
freehold ownership in various areas of Ajman City. The Al
Naeyiyah towers project which consists of thirteen towers built
in two stages was the first freehold residential development in
Ajman City. The developers followed with the Al Khor towers that
are built close to the Ajman Khor Creek, which are identical to
the Al Naeyiyah towers. The next offering from this developer
was the Al Rashidiya Towers constructed in the Rashidiya area of
Ajman, these towers look similar externally to their other
offerings but have a different internal layout.
About The Author: Sandcastles Property offers for sale a wide
range of property in Ajman [
http://www.sandcastles-property. com/property/ sale/ajman. html
]from villas to hotel rooms. Ajman property, in the UAE, is
becoming one of the worlds premier property investment
opportunities.
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- 6.
-
The Rose: Curing Society's Ills One Petal At A Time
Posted by: "Hugh Parker" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 4:11 pm (PST)
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Article Title: The Rose: Curing Society's Ills One Petal At A
Time
Author: Hugh Parker
Word Count: 514
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The scene is almost cliché by now: husband forgets anniversary,
wife loses it, husband buys dozen roses, wife forgives. The
average repentant spouse doesn't realize the history behind
their gift however. Roses have held a significant place as a
symbol since the apex of Greek civilization, thousands of years
ago. Indeed, the rose is so important that in some languages
such as Spanish and French it is synonymous with the color red
or pink.
The various colors of different roses widely range in
significance. Red, the most common, is often used as a symbol of
love, while white is said to represent innocence and purity. The
black rose, impossible to produce, is used to signify death.
Nowhere is the rose more prevalent than in art. Perhaps the
most well known examples of the portrayal of roses in art come
from the French painter Pierre-Joseph Redouté. Classically
trained in both botany and painting, Redouté combined these two
disciplines to produce exquisite masterpieces. He looked to the
rose for both its unique form and vibrant color, bringing these
characteristics to life on canvas. Many of his paintings of
roses are encompassed in Les Roses, a three volume collection.
His art is prominently displayed in the Jardin des Plantes of
the Muséum d'Histoire Naturelle in Paris. Claude Monet also used
roses in some of his painting. One of his finest paintings is
Sea-Roses, an impressionist take on the rose. This work,
completed in 1920, is housed in the National Gallery in London.
Roses aren't just utilized as motivation for art, however. They
have value in beautifying the home, turning boring walls into
gardens. Serving a double purpose, rose shrubs with their sharp
barbs are often used to protect against intruders. The most
prolific of rose plants can reach as high as 20 meters, a sure
deterrent to any trespasser.
Roses are also known for their beautiful fragrance. Rose
perfumes are made from the flower's oil, obtained from crushed
petals. Incredibly, between 70 and 80 percent of rose oil comes
from the "Rose Valley" near Kazanluk, Bulgaria. About two
thousand roses are required to produce just one gram of oil.
This results in the high prices consumers pay at department
store shelves.
Growing a rose garden is a form of art in itself. A delicate
green thumb is required to raise these temperamental flowers.
Roses grow best in temperate climates. In recent years, a modern
classification of landscape roses has become popular. These
roses are genetically selected to serve the gardener as a
mass-produced, hardy strain that won't require as much attention
as traditional breeds. These have solid disease resistance, and
offer the same color, form and fragrance, making them a great
option for the novice rose gardener.
The rose is a staple of our culture. Without it, men would be
relegated to sleeping on the couch even more frequently than at
present. While perfume and art are important, perhaps, then, its
use as a salve for relationships is the rose's most important
function.
About The Author: ZaZaGallery. Located in the wine country and
I must say that our art is the buss in our community. Our fine
art prints are gallery wrapped using the finest canvas and inks
to create a museum grade art piece .Our product is unique so
visit us at http://www.zazagallery.com Thank you Hugh Parker
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- 7.
-
Busting The Credit Card Myth
Posted by: "Ainuddin Mohamad" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 4:12 pm (PST)
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Ainuddin Mohamad
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Author: Ainuddin Mohamad
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You can find lots of misinformation about money and credit and
especially credit cards. Misinformation is misfortune, so arm
yourself with The truth before you tackle the credit card
demons!
Myth #1: "It's all my fault I got into this credit card mess!"
The truth: It may not be your fault at all. Credit card
companies really are out to get us. You probably just got caught
in the trap.
Myth #2: "Credit Cards are what got me into debt."
The truth: Spending is what got you into debt. The credit cards
just made it easier.
Myth #3: "My credit rating is destroyed forever and there is
nothing I can do about it."
The truth: If you have a job and are willing to work at it, you
can get your credit under control and your credit rating
restored. Rebuilding your credit requires that you do three
things; pay your bills on time, look for better options and
learn about money and credit.
Myth #4: "It's fine to give my credit card number for
identification as long as I don't authorize a charge."
The truth: NEVER give your credit card number for
identification purposes. For that matter, you need to guard all
of your personal information like a ferocious tiger.
Unless you initiate the phone call, do not give your name,
address, phone number, social security number, credit card
number or driver's license number to anybody. All of this
information can cause your identity to be stolen or worse.
Myth #5: "If I pay off a debt or cut up a credit card, this
information is removed from my credit report."
The truth: When you pay off a past due debt it actually
restarts the time period that it can be reported in your credit
history. Cutting up a credit card does not close the account.
You must call the credit card bank to close an account under all
circumstances.
Then There's the Urban Credit Legend
Urban legends are just a fact of computer life. There are the
old ones that have been around for years and new ones that pop
up everyday. It's the modern version of gossiping over the back
yard fence and most of them are false but harmless. When it
comes to the urban legends about credit they really, however,
they are harmful.
"You can pick a lock with a credit card" may be true but it's a
bad idea you could mess up the card. Use a butter knife or a
piece from a plastic milk bottle. But what were you trying to
pick a lock for anyway?
These are a few urban legends that can hurt you.
Legend: Cutting up a credit card closes the account.
Wrong! You must call the lenders phone number on the back of
the card to cancel the account so piece that card back together
and get the phone number, make the call and cancel the account.
Legend: Closing an account removes it from your record.
Wrong! Credit reporting agencies are a rather unforgiving lot
and they have memories like proverbial elephants. Accounts
remain on your credit report for seven years even the ones you
have closed.
Legend: Even good credit information drops off your report
after seven years.
Wrong! Unlike humans, credit reporting agencies remember the
good stuff forever (even if the accounts are closed) and forget
the bad stuff after seven years. Unless, of course, you believe
this
Legend: Paying off an old delinquent account improves your
credit.
Wrong! Paying off an old delinquent debt actually starts that
seven year clock ticking again.
Legend: Car dealers need to run your credit before you take a
test drive.
Wrong! This is a fast one pulled by those super duper 60-day
wonder salesmen. Don't believe a word of it. You have not yet
applied to buy anything and there is no reason for to check your
credit until or IF that time comes.
Credit Card Banks Really are Out to Get You
Their objective is to make as much money off you as they
possibly can legally. It isn't your imagination and you aren't
being cynical. They are out to get you and it's getting worse by
the day.
In 1978 there were fifty credit card issuing companies that
accounted for 50% of the credit card market. Today there are
only four companies that control 65% of the same market. Those
four are American Express, Bank of America, Citigroup, and JP
Morgan Chase. MBNA was the fifth but it has just been gobbled up
by Bank of America. Less competition is never good news for
consumers. Already these giants sign you up for card with a 0%
introductory offer and then that rate goes up quickly and
steeply. In that itty-bitty fine print you didn't read it says
that the credit card company can do that with only a 15day
notice. The period between a purchase and the time your interest
starts is no longer 30 days either.
It's been shrinking at an alarming rate. The fees you are
charged for paying the bill late or going over your credit limit
have exploded. The average penalty rate is around 24% but some
are as high as 35%. Yes, the lack of any serious competition
between credit card companies is hurting all of us.
What is a consumer to do? We are a nation addicted to plastic
spending. When we make a purchase we just automatically reach
for a credit card to pay for it. We use them to buy groceries,
pick up our laundry and buy a hamburger. We need to break this
bad habit, over-come this addiction and start using our credit
cards wisely.
Suggestion: cash a check at the bank and pay cash for everyday
purchases. Use your credit cards only when necessary and avoid
paying high interest and fees.
About The Author: Ainuddin Mohamad is the Webmaster of
http://CrushBadCredit.com
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- 8.
-
Acquiring The Suitable Buyer For Real Estate Sales
Posted by: "Tom Beaty" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 5:12 pm (PST)
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Tom Beaty
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Article Title: Acquiring The Suitable Buyer For Real Estate
Sales
Author: Tom Beaty
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An accomplished real estate agent will only show a
pre-qualified buyer the property, when they are trying to make
real estate sales. The only option for a "for sale by owner"
seller is to have every buyer pre-qualified before they ever
think about bringing a sales contract into it. Signing a sales
contract with an unqualified buyer is a terrible mistake. If you
do this with a buyer who ultimately is unable to secure a
mortgage that will cover the cost of your home, you will be tied
up in a contract that will prevent you from finding a different
buyer.
You may be unfamiliar with the terms "pre-approved" and
"pre-qualified". The term "pre-approved" refers to a buyer who
has been approved for a loan for a %specific% dollar amount by a
lending institution. The term "pre-qualified refers to a buyer
with an unconfirmed estimate of the amount that he will be able
to borrow from a lending institution. You goal must be focusing
on getting a suitable buyer with the ability to secure a loan
that will be sufficient for purchasing your home.
If you want to pre-qualify a buyer, you are obligated to
perform this task on your own. You will have to arrange a
meeting with the potential buyer where you will ask simple but
personal information. You will need to know both the
long-standing debt and the income of the buyer. You may feel
reluctant to ask this kind of personal information of an
absolute stranger or even a neighbor, but there's no need to be.
Anyone who is willing to complete real estate sales such as this
is aware that they will have to answer questions of this nature.
A pre-qualifying worksheet is crucial in order for you to do
the calculations by hand. Once you have recorded all of the
buyer's information on monthly long-standing payments and
income, it is time to secure an estimation of the maximum dollar
amount the buyer is capable of borrowing.
A simpler method would be to ask the buyer if they would be
willing to go to a %trustworthy% web site that will calculate
the estimated maximum dollar amount that they will be able to
borrow.
In order to determine this estimation, you will need three
factors: yearly income, monthly long-term debt, and the national
average of cost of living. By adding the buyer's down payment to
the estimated mortgage loan you can find the largest dollar
amount that the buyer can pay for your home.
Finding the right buyer for your real estate sales is of the
utmost importance, no matter how troublesome it may seem. When
you find an interested buyer who is unable to secure the loan
required to complete the transaction, giving them all of your
attention is an enormous waste of time. The first time you meet
a prospective buyer, everyone is on even terms. You want to
pre-qualify a potential buyer as soon as they express an
interest in purchasing your home. As soon as it has been
confirmed that the buyer is qualified, everyone will be at rest.
You will now be able to move on the more important business of
purchasing your home.
About The Author: Tom Beaty offers North Dakota Real Estate
information for buyers and sellers. Don't buy or sell without
visiting this Blog or it could cost you:
http://www.north-dakota-real- Dakota realestate-us. com,North
estate
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- 9.
-
Bronze Sculptures - Bold And Beautiful
Posted by: "Anita Satin Choudhary" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 5:12 pm (PST)
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Anita Satin Choudhary
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Article Title: Bronze Sculptures - Bold And Beautiful
Author: Anita Satin Choudhary
Word Count: 516
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The growing popularity of bronze sculptures, handmade with all
the charms of antiquity and uniqueness are durable art pieces.
Different shapes both contemporary and traditional portrayal of
animals, nature, and wall- art and cast bronze decorative
artifacts are in demand. The work and theme on sculptures differ
from artist to artist and from country to country. Each country
has its own designs, traditional arts and bronze sculptures and
castings vary according to regions. Collectors sculptures have a
varied collection of artifacts, collected over a period of time
while the Internet stores have made browsing and ordering bronze
sculptures easy and fun.
The growing popularity of bronze sculptures, handmade with all
the charms of antiquity and uniqueness are durable art pieces.
Different shapes both contemporary and traditional portrayal of
animals, nature, and wall- art and cast bronze decorative
artifacts are in demand. It is said sculpting with this metal
originated in China and carried forward by Greek sculptors while
the Egyptians used to make small statutes and Greeks made life
like statutes, decorative art, vessels and weapons.
As an alloy of copper and tin, it is harder than copper,
durable, resistant to corrosion and melts easily. Historical
facts state that due to wars and intense looting from the
defeated kingdoms, huge amounts of bronze statues and artifacts
were taken away, melted to make arms or statues by the
victorious army. The sculptures of the Greek periods are very
rare as the artifacts were melted down for other purposes.
However, it has always remained the popular metal as far as
decorative statutes, candle stands and sculpture are created. It
may be hammered, cast and carved with equal ease while it flows
uniformly into a mold when heated under optimum temperatures.
The outdoor decorative statues are usually preferred to be
crafted in bronze due to durability, withstand extreme
temperatures and have anti rust features.
To judge the superiority of a bronze sculpture may be based on
the process used to create the art work and the skill of the
artist. The theme can vary from wildlife, historic scenes to
simple depiction of everyday life. The flow, finish and look
depend on the inherent taste and experience of the artist.
Sculptures can range in size and bulk depending upon your
requirements.
Bronze sculptures are often copied or cast as poor fakes, so
better beware of impersonators and buy from reputed sources.
There are many artists and importers of bronze carvings who are
professionals in their field. With high reliability and good
customer policies, internet stores selling bronze statutes and
sculptures are a good way to add to your collection exquisite
pieces from different parts of the world.
The work and theme on sculptures differ from artist to artist
and from country to country. Each country has its own designs,
traditional arts and bronze sculptures and castings vary
according to regions. Collectors sculptures have a varied
collection of artifacts, collected over a period of time while
the Internet stores have made browsing and ordering bronze
sculptures easy and fun.
About The Author: Anita Satin Choudhary writes for Ivory and
Art Gallery. Browse the gallery for unique collection of
artifacts ranging from http://www.ivoryandart.com Bronze
Sculptureto http://www.ivoryandart.com Russian Silver and Enamel
objects.
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- 10.
-
Social Security, Employment And Identity Theft
Posted by: "Lisa Carey" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 6:11 pm (PST)
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Lisa Carey
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Article Title: Social Security, Employment And Identity Theft
Author: Lisa Carey
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Identity thieves steal your personal information for many
reasons. Among those are to obtain credit (money) using your
credit information, but also medical benefits, Veteran's
benefits and employment.
Why would anyone steal your identity just to get a job? For
many reasons, for example some people are in the United States
illegally and do not have a social security number. Some people
can not pass background checks, or have a criminal background
that would keep them from getting jobs. Whatever the reason,
Social Security Numbers are hot merchandise, if yours can be
gotten, it can be sold.
"Misuse of another individual's SSN is a violation of federal
law and may lead to fines and/or imprisonment and disregarding
the work authorization provisions printed on your Social
Security card may be a violation of federal immigration law.
Violations of applicable law regarding Social Security number
fraud and misuse are serious crimes and will be prosecuted."
According to the Social Security Administration, The crime is
considered a felony under federal and state laws and may result
in fines and imprisonment.
In order to determine if there has been any use of your SSN to
obtain employment, it is important to review your W-2 each year
to determine that your social security benefits are being
accurately reported and that the correct SSN is being used.
Next, review your Social Security Statement issued to you each
year. Check your statement against your W-2 to determine if
there are any discrepancies. One way of determining if your SSN
has been used illegally will be by monitoring the information on
you benefits statement; which may state that benefits have been
accessed or that the amount paid in maybe greater than the
number reported on your W-2. To obtain a copy of your Statement
of Benefits you may call the SSA toll-free at 1-800-772-1213.
Are you responsible for the taxes on the wages resulting from
someone being illegally employed? Probably not, and the taxes
are paid directly through the employer. As a result that money
is just sitting in an account held by the federal government.
What about Social Security Benefits? What happens to the money
paid in through two people employed and using the same social
security number? It is estimated that approximately 420 billion
dollars in federal funds are sitting in "limbo." The government
calls this the Earnings Suspense Fund. The money has been paid
in, but there is no one to credit the funds or benefits to. This
is because in many cases the user of your social security number
is also using either their own name, or a fake name. The only
people that benefit from this extra payment are the federal
government as well as the imposter who is able to be employed.
Each government agency (IRS and SSA) have a list of mis-matched
numbers, that don't belong to the names that are using them, so
what are they doing about it?
Illegal use of your SSN is very difficult to find out about,
unless you happen to apply for a job at the same place, or if
they are also using it for theft of your credit information.
If after reviewing your benefits and wages information you are
suspicious, take the next steps. Request a credit report to see
if credit has also been obtained using your identity. If so, it
is time to move quickly in order to rectify the errors in your
employment, social security and credit history.
If you determine that your social security number has been
compromised, you must contact the Social Security Administration
and report it. Reports are made to the Social Security
Administration (SSA) Office of the Inspector General. You may
file a complaint online at www.socialsecurity.gov/oig, call
toll-free: 1-800-269-0271, fax: 410-597-0118, or write: SSA
Fraud Hotline, P.O. Box 17768, Baltimore, MD 21235.
Can you get a new social security number if you suspect that
your number has been used? Maybe, but not always. The SSA will
not issue a new number in the following circumstances: it was
lost or stolen and no proof of damage has occurred, you are
trying to avoid detection of poor credit or a criminal record,
or you are trying to avoid some form of legal responsibility.
However it is up to you to prove to them that your number is
being used illegally, that you are not attempting to avoid
credit collection or any other actions possibly pending against
you.
Be proactive and try to protect and repair the damage yourself.
File a report with the Social Security Administration, Federal
Trade Commission and the three major credit agencies. However,
without the issuance of a new Social Security Number, you are
still at risk so you may want to consider using all the credit
protection available to you such as placing fraud alerts on your
credit report, credit freezes and consistent monitoring of your
credit report. To report Identity Theft you may contact the
Federal Trade Commission via telephone 1-877-438-4338.
You may find it necessary to consult with an attorney to
protect your current and future benefit rights. Know your rights
and stand up for them. Credit lenders or collection agents may
attempt to threaten you or force you to pay for outstand debts
incurred by use of your information. Consult with law
enforcement officials, an attorney, the State's Attorney General
and consumer credit counseling organizations to determine what
your rights and responsibilities are and you can assert them.
About The Author: Lisa Carey is a contributing author for
http://www.IdentityTheftSecrets. You can get tips oncom.
Identity theft protection, software, and monitoring your credit,
as well as learn more about the secrets used by identity thieves
at http://www.IdentityTheftSecrets. com
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- 11.
-
5 Essentials For A Healthy Relationship
Posted by: "Joseph Taylor" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 6:12 pm (PST)
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There are many things that come into play when you are in a
serious relationship that can mean the difference between a
healthy and a very unhealthy one. Some things you'll find there
is a little give, but others if something isn't present as much
as possible, it can doom the relationship.
Here are 5 of the most important things that contribute to a
healthy relationship.
1. Being with the Right Person!
That sounds obvious, but how many people have you known that
have been with the wrong person? I'm not talking about a couple
that is a little wrong for each other. No relationship is
perfect. I mean really wrong!
Unless from the beginning you start by being with someone that
likes to do things with you, has similar interests and a similar
attitude in general, you'll be doomed to walk the rest of your
life in regret.
If you have two opposing views on every topic and struggle
doing what the other likes to do, then you are on a tremulous
path.
2. Forgiveness
It has to be there. If you plan on having a long and fruitful
life together, you need to learn to forgive each others mistakes
along the way. Even the most terrible ones! If they are too
terrible and you can't forgive the one you love, then ready
yourself for serious problems.
Broken and struggling couples are quick to accuse and take a
long time to forgive if they ever do. They become cynical and
angry towards the other. This is a doomed situation.
If your partner loses it and says something nasty to you, shake
it off. Everyone has mood swings and if they love you, it's
probably not personal.
3. Flexibility
Healthy relationships depend on each partner being flexible.
There is a give and take with a relationship. One of you might
like shopping at Wal-Mart and the other doesn't, but that
doesn't mean you don't shop together.
It should be this way throughout your life. No one should keep
score like, "I did `x' amount with you and did what you wanted
to do, but you haven't done `x' with me and what I want to do
yet!"
This is a matter of supporting and caring about each others
needs and desires. If you love someone, that shouldn't be an
issue. Just spending time together should be fun!
4. Communication
This is definitely in the top 5. How many relationships have
problems because one of the parties doesn't communicate with the
other? The answer is many! I might even venture to say it's a
leading cause of issues.
Make sure you don't keep things bottled up until they boil
over. If there is something bothering you, speak up!
And if you did something wrong, please talk to the other about
it; remember I talked about forgiveness earlier in this article?
Certainly you don't want your partner to find something out
through the grapevine and from another party! Then forgiveness
will be harder to come by.
Spend time each day talking about your day. Put time aside to
just hang out and chat about things. Keep the communication
channels open as much as possible.
5. Plan Your Life Together
To keep your relationship healthy, make sure you plan and do
things together. This includes both short term and long term.
Plan what you are going to do this coming week. Plan dates
together, outings and even time to bum around town. The best
time I have with my own wife is when I'm planning a weekend
away. It's fun to plan!
But also plan some things you can do to get away this coming
year or years. And what your goals are with your life in
general. By having goals together, the struggles of today will
seem lighter.
All 5 of these traits are important to insure you have a long
and healthy relationship. If you are weak in some area, think
about how you can do more.
A relationship is a partnership. Neither of you is on an island
alone. Do all the things above and it will go a long way in
making any potentially unhealthy relationship much, much
healthier.
-Joe Taylor
About The Author: Joe Taylor is a respected writer and owner of
Joe Taylors Relationship Advice Website
(http://www.joetaylors.com ). He runs and writes for his own
newsletter and posts to his Relationships and Dating Tips Blog
(http://blog.joetaylors. ) every week.com
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- 12.
-
Buy Your Ford Mustang Online At A Great Price
Posted by: "ClassicMustangs" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 6:12 pm (PST)
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ClassicMustangs
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If you want to buy your Ford Mustang online at a great price,
you have to do so with your eyes wide open. It is easier if you
want a new car that is fully protected by the manufacturer's
warranty, although even then you have to be careful.
Even a new car could have stood outside a dealer's showroom
unprotected from the elements all winter, and you certainly have
to look at it before you buy. That goes with any car, let alone
a pony car, and while it is easy to but online from a site a few
hundred miles away, how are you going to check it out before you
clinch the deal? As long as you understand the pitfalls as well
as the benefits, then you can carry on with a degree of
confidence.
A guarantee or warranty from the seller regard condition of
bodywork is an absolute must, and if that is refused then you
must think that there must be a reason. The vast majority of car
salesmen are honest, no matter what you are led to believe, but
they should be willing to back that honesty up with a guarantee.
Ford Mustangs can be driven hard and that means that the
maintenance must be good. Most Mustang owners love their cars
and look after them, but there are the few that don't. Be
careful if the price seems unusually low, even for online, since
you can more than exceed the money you saved by spending a
fortune on repairs a few weeks down the road. The standard of
that maintenance might also be questionable, because a lot of
people go for afterparts because they are cheaper, but these are
not always as good as parts from the original manufacturer.
Before buying you should ask the seller for everything needed
to identify the vehicle: its model, year, place of manufacture,
and details of the engine, transmission and so on. When
inspecting the vehicle make sure that details on the ID plate by
the driver's door ties up with the Vehicle Identification Number
(V.I.N.) under the hood (or on the dash after 1968). If they
don't tally, or if you can't find the plates, then don't buy the
car.
The parts of your Mustang that could go wrong, and be very
costly to you, include the chassis, bodywork, drivetrain and
suspension. The drivetrain especially can be expensive, and
unless you are a mechanic the best way is to pay for a qualified
vehicle inspector. A corroded chassis could mean that your
lovely new Ford Mustang is fit only for the scrapheap, and even
a new engine and gearbox is very expensive. You could buy
another used car for cheaper.
The signs to look for in your test drive are squeaks and
squeals, rattles and oil spots when parked. The gears should
change smoothly and quietly without being forced and there
should be no rust. A good driver who takes care of the car will
keep the bodywork immaculate. After your test drive, keep
looking: don't buy right away. Shop around online and get an
idea of the market price for the model you just checked out. If
you are buying online you might have to hire a local expert to
carry out the test drive for you.
If you are still interested, check out the history of your
model and year. Take note of the various changes and make sure
that the description fits your car. You will be able to choose
with much more knowledge if you understand the history of the
car, and the way it has developed over the years. You will also
be able to show a degree of know-how when you speak to dealers,
who might then be less liable try to take advantage and sell you
a lemon. Dealers are always more wary with customers that show
that they know what they are talking about.
You should also have a clear vision of what you want your car
for. If you want a car just to drive around in than a Cobra
might be more suitable for you than a powerful GT. So keep your
intended use in mind, and then check up on the average prices of
the type of Ford Mustang you are looking for. Kelley Blue Book
and NADA will provide you with the book price of any specific
Mustang model and year of manufacture, so you will know if you
are being overcharged or not. It is always best to be armed
with the proper prices when you are looking to buy a used car.
The main problem with buying online is that the seller could be
a long way away from your home town, and you might not find it
easy to actually see the car before buying it. If this is the
case, make sure you have a money back guarantee should the car
prove faulty or not as advertised. Some buyers in that kind of
situation employ a local mechanic or auto service company to
check over the car and provide a report. At least then you can
be sure that the car has been examined by an expert.
You could ask for photocopies or scanned files of the service
and repair history, but there is very little else you can do
when purchasing from a distance. It is possible to get some
great bargains online, and probably the best tip is to pay by
credit card if possible, since you then have some degree of
protection. However, the vast majority of online automobile
transactions are completely honest and you will generally get
what you pay for.
It is even possible to buy your Ford Mustang online on eBay,
and you can get some great prices that way. As long as you know
what you want and what price to expect, and take some common
sense precautions in having the vehicle inspected before use,
there is no reason why you cannot clinch a great online deal for
your Ford Mustang, and get a good car online at a great price.
About The Author: If you are looking for a great online deal
for your next Ford Mustang, http://www.MustangFinders.com
provides with a wide range to choose from at unbelievably low
prices.
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- 13.
-
The History And Benefits Of K9 Training
Posted by: "K9 Unit" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 7:11 pm (PST)
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K9 Unit
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Humans have been training dogs to carry out tasks for them
since prehistoric times, when the main use for a dog was to help
humans in their hunt for food. As now, dogs would be trained to
hunt and catch small animals such as rabbits and hares, and also
to track larger prey which the dog would either bring to bay to
be finally killed by its master, or would chase towards a party
of men who would then dispatch the larger animal.
Through time dogs were found to be useful for other tasks,
apart from hunting, such as herding sheep that draws on the
animal's natural hunting instinct, and to guard their owners'
property. As the training of our K9 friend became more
sophisticated they were put to a variety of uses such as law
enforcement and leading the blind through unfamiliar territory.
Dogs are now used as pets as well as put to work, and even a
pet K9 benefits from good and strict training that enables them
to become a member of the family and society in which they live.
The training of a dog is not as simple as teaching it tricks or
how to obey instructions by the sound of your voice, but is more
of a social conditioning. Before undertaking the training of a
dog it is essential that the owner learns something about their
psychology and the way that dogs socialize with their own
species in the wild.
Dogs are pack animals, as anybody that has seen films of wild
dogs hunting will understand. Wolves are a species of K9, and
everybody understands that wolves hunt in packs. The secret in
training a dog to become a well behaved member of your family is
to show the dog that you are the leader of the pack that your
dog belongs to. This leader is called the alpha, and the alpha
leads the pack in everything that it does. All other animals
obey the alpha, and the job of the trainer is to communicate to
the animal that he or she is the alpha and must be obeyed.
Once your dog understands this it will obey you, assuming that
it understands the instruction being given. If you continue to
give your dog an instruction that it does not understand it will
become frustrated and might vent that frustration as anger or
aggression, just as humans do. However, if you understand its
psychology, you will be able to teach your dog what is
acceptable behavior and what is not, and also how to behave in
certain situations. For example the dog will be trained to
understand that your home is not a toilet, and that it is not to
sit on your favorite chair, and so on. The benefits of this type
of training go far beyond simply having a dog that obeys you and
that can 'do tricks'.
A well trained K9 is one that understands its place in your
society, and it is happier knowing this. Dogs that get
conflicting signals, and that are not given a clear lead by the
alpha (you) become confused and consequently misbehaved. A well
trained dog will form a lifelong bond with its owner, and will
be able socialize as part of your family. When the dog
instinctively follows your lead and your instructions it is not
only seen as a being well behaved, but is also a happy dog.
It is important when training a dog to understand that they
become afraid of what they do not understand, and become fearful
when their routine is changed. A part of their training, then,
should be to introduce them to a number of different
environments and different people so that are less liable to
come across change. However, an owner that understands this K9
characteristic will tend to own a dog that is less liable to
become aggressive in certain situations because they can foresee
the possible result of specific situations into which a dog can
be put.
Young children, for example can create great stress within a
dog not used to them, and a dog that is rarely involved with
children should never be left alone with them. The dog will feel
that it is the alpha relative to the child, and will punish the
child for overstepping its authority just as it would another
dog.
Another aspect of K9 training is exercise. A healthy dog needs
a lot of exercise and a dog kept locked in a house all day can
become very stressed and extremely difficult to train properly.
It will also become bored, and be difficult to control. On the
other hand, a well trained dog with plenty of exercise will be
well behaved. Keep in mind that dogs are dogs, and should be
allowed to be dogs now and again. Also keep in mind that your
dog's pack is your family, and you should expect it to be
jealous of any newcomers to your family. The dog will need to be
trained to accept a new baby for example.
If you take the time to train your K9 friend properly, you will
have a healthy and happy dog that will be able to socialize and
live with your family with any problems. It is when the dog is
ignored and lacks exercise and attention, or when it does not
understand your instructions, that it can become 'bad'. A 'bad'
dog is indicative of a bad owner.
The benefits of K9 training combine to give you a lifelong
companion that will not only be faithful to you and your family,
but that will also be happy and easily controllable wherever you
take it.
About The Author: You can find out more about the history and
benefits of K9 training on http://www.k9unit.net/ where you will
also find information on K9 training equipment and how to train
dogs properly.
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- 14.
-
How To Choose The Right Corporate Christmas Party Venue
Posted by: "Dave Mayweather" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 7:11 pm (PST)
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Dave Mayweather
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Party Venue
Author: Dave Mayweather
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Lets face it, your company Christmas party is one of the most
important nights of the year for your team, so it's vital to
choose the right corporate Christmas party venue, get the venue
and location right and your company will be sending out a
positive message to it's team - get it wrong and the message you
send out will have a negative effect and you may as well have
not bothered!
So what do you need to take into consideration when you are
selecting the right corporate Christmas party venue? Think about
your team, your guests and think what they will enjoy - the last
thing you want to do is to be known for hosting a party that
David Brent from The Office would be proud of! Do your research
and get it right.
Have a realistic comprehension of what your budget can buy you.
When you go out for a three course meal, what do you normally
pay? Then take this, add in an amount for entertainment, perhaps
some drinks and then you start getting an idea of a realistic
budget.
Talk to a company that specialises in sourcing corporate
Christmas party venues, they will have a very clear idea of what
your budget can get you. Do you want a Christmas party
exclusively for your company? If you do you'll need private
dining and entertainment and will have to budget accordingly.
Do you want the thrills of a huge themed party night with
entertainment but know you don't have the budget for that? If
you don't mind sharing with other companies, then you could
attend one of the many spectacular cost effective shared
Christmas party nights that are hosted around the country.
If you are having a private party think about how you are going
to entertain your guests. Entertainment is a great ice breaker
and can turn an average Christmas meal into a great memorable
Christmas party, so look into the different options that your
budget can afford. Talk to a company that specializes in
corporate entertainment and they will give you a whole host of
exciting options for you to consider!
Think about dates very carefully. You will never get all of
your team attending at Christmas, it's a sad fact of business
that people have social lives and sometimes can't attend
(another reason for booking your company Christmas party
early!). Talk to your key team members and look at the dates
that they can all make, it's not going to send out a positive
image if your top person can't make the party, it's virtually a
green light for next years excuses!
One of the biggest pieces of advice that we can give you is
that if you want a corporate Christmas party venue that is good
or if you want a peak date, a Thursday or Friday in December,
then book early and we mean very early! Some party venues sell
their peak dates in January, so you have to do some very forward
planning here!
It's not always easy to get your company Christmas party right,
it does take a good deal of work but if you team up with an
experienced corporate entertainment company, they will guide you
through all of your different options and lighten your work
load!
About The Author: Shaun Parker has been providing business with
indoor team building for the last half decade. For more
information visit http://www.accolade-corporate- events.com
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- 15.
-
Meal Planning Saves Time And Money
Posted by: "Toni Scott" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 7:12 pm (PST)
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Toni Scott
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- You are not allowed to use this article for commercial
purposes. The article should only be reprinted in a publicly
accessible website and not in a members-only commercial site.
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sites/publications that contains or supports hate, violence,
porn and warez or any indecent and illegal sites/publications.
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Commercial Email) or SPAM. This article MUST be distributed in
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ask that you send a copy of the newsletter or ezine that
contains the article to http://www.isnare.com/eta.php? aid=222465
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MUST be set to hyperlinks and we ask that you send a copy of the
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Article Title: Meal Planning Saves Time And Money
Author: Toni Scott
Word Count: 571
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What's for dinner? It's the first thing I hear when my kids get
home from school. On a bad day, I don't have a clue. I've
forgotten to take the meat out of the freezer to thaw or I
didn't have anything particular in mind for weeknight dinners
when I bought groceries that week.
Things are much easier when I take the time to make a plan. The
best way I've found is to make a "menu calendar." I start by
asking my family what they'd like to eat that week. Inevitably
the 9 year-old pipes up, "I want spaghetti!" The teenager always
wants Fettuccini Alfredo, and my husband normally doesn't care
(as long as there's meat involved!). Honestly, my kids would be
thrilled if we had pasta every day, but personally, I'd like a
little more variety.
I start with a list of my family's favorite meats, poultry and
seafood (ground beef, chicken breasts, pork chops, and shrimp,
for example). Then I match each to a favorite recipe, making
sure the recipe isn't too time consuming (remember, these are
mainly weeknight meals). A typical list may look like this:
Spaghetti and Meatballs
Grilled Chicken Breasts
Italian Meatloaf
Pork Chops Veracruz
Shrimp and Veggie Stirfry
Then, to round things out, I add in favorite side dishes and/or
accompaniments that are easy, quick, and "mostly" healthy. Fresh
veggies are great when they're in season, but good quality
frozen veggies can taste just as good.
Spaghetti and Meatballs
Garlic Bread
Mixed Salad
Grilled Chicken Breasts
Grilled Zucchini
Rosemary Roasted Potatoes
Italian Meatloaf
Mashed Potatoes
Green Beans
Pork Chops Veracruz
Brown Rice
Glazed Carrots
Shrimp and Veggie Stirfry
(It's all therea one dish meal!)
I assign each meal to a day of the week. This can be
handwritten or typewritten and attached to the fridge with
magnets, or penciled in on a family calendar in the kitchen.
Just make sure it's in a place where everyone in the family can
see "What's for Dinner!"
Then I take a quick inventory of my fridge, pantry, and
freezer, and add all of the ingredients that I don't have on
hand to my grocery list.
Remember, you can adjust the meal calendar to the number of
days you cook each week. Sometimes I only have time to cook
three days a week, especially during the school year when the
kids have lots of after-school activities. My kids love to see a
"Take Out" or "Eat Out" day on the meal calendar.
This may seem like a time-consuming process, but I promise,
once you get the hang of it you'll be able to knock all of this
out in about 15 minutes. And you won't believe the time and
stress it will save you in the long-run. No more last minute
trips to the grocery store because you don't have the
ingredients on hand for a meal. Less wilted and ruined produce
in the vegetable bin that you didn't get around to cooking.
Besides, you only have to do this twice a month. Crank out two
weekly menu calendars and alternate them within a month.
About The Author: Toni Tanner-Scott, Personal Chef and Cooking
Coach. http://www.DinnerMadeSimple. com
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- 16.
-
PRINCE2 For A Successful Project
Posted by: "Robert Norton" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 7:12 pm (PST)
Please consider this free-reprint article written by:
Robert Norton
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Article Title: PRINCE2 For A Successful Project
Author: Robert Norton
Word Count: 655
Article URL:
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PRINCE2 is used to manage projects throughout the business
world; but what is a project and what constitutes a successful
project? This article will define a project, look at the
characteristics of an unsuccessful and a successful project, and
discuss briefly how PRINCE2 can benefit a business.
What is a project?
A project can be defined as "any outcome you're committed to
achieving that will take more than one action step to complete,"
or "a project is a management environment that is created for
the purpose of delivering one or more business products
according to a specified business case."
To understand what constitutes a successful project, a lot can
be learned by looking at the common reasons for an unsuccessful
project.
Some common reasons for an unsuccessful project are:
Lack of management support which can lead to insufficient
funding and resources; senior management performance criteria is
not linked with the project's criteria, which can lead to
conflict.
Resource conflicts can mean there is a lack of dedicated team
members in the project; key resources unavailable when required.
Lack of clarity on roles and responsibilities can cause
individuals/teams to work inefficiently; deadlines are missed;
resolution over issues is delayed; overall there is low morale
within the project workforce.
Poor communication lack of information passed to
individuals/teams can cause confusion within the project
workforce; deadlines missed; concerns of stakeholders or team
members not addressed.
Lack of leadership can be caused by an inexperienced or an
untrained project manager; lack of sustained leadership
commitment; no clear goals, vision or strategy set; individuals
are unclear how the project will alter jobs, processes, etc;
there isn't any alignment of measurement and reward system with
targeted outcomes.
Some common reasons for a successful project are:
Advanced planning of the project individuals are given
defined roles; teams are established; the outcome of the project
is defined.
Strong leadership continuous committed leadership; executives
show strong support; metrics and incentives are in place to
drive desired behaviours; change is seen as an on going process.
Relationships are maintained the leaders are `people
focused'; relationships are maintained while meeting the needs
of the project.
Quality delivered project deliverables have met all
functional, performance and quality specifications.
Stakeholder expectations met every expectation of the
stakeholders was met; every key stakeholder accepts the project
results.
Project completed the project was completed within the set
timeframe; completed under the approved budget; the project has
achieved its original goals, objectives, and purpose; every
participant should be eager to repeat a similar experience.
PRINCE2 for successful projects
To ensure projects operate smoothly, PROMPTII, PRINCE, and
subsequently PRINCE2 were all introduced to address the common
reasons for project failure. PRINCE2 (Projects in Controlled
Environments) is recognised as a world-class international
product, is the standard method for project management and
provides a flexible and adaptable approach to suit all projects.
PRINCE2 training enables people to understand how a successful
project operates by covering the processes, components and
techniques needed for any size project. It is a project
management method designed to provide a structure that covers
the wide variety of disciplines and actions required within a
project. The focus throughout PRINCE2 is on the Business Case,
which describes the rationale and business justification for the
project it is the Business Case that drives all the project
management processes, from project set-up through to a
successful finish.
Conclusion
There are two ways to operate a project successfully or
unsuccessfully. Every business wants a successful project so
they can reap the rewards; the way forward is for personal to be
trained with a `de-facto' standard for project management in the
United Kingdom and internationally, i.e. PRINCE2.
About The Author: For more information, visit
http://www.afaprojects.com/training _prince2_ foundation. asp
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- 17.
-
Adwords Marketing: Is It The Best, Or Is There A New King?
Posted by: "Dirk Wagner I" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 8:11 pm (PST)
Please consider this free-reprint article written by:
Dirk Wagner I
==================
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- If you distribute this article in an ezine or newsletter, we
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==================
Article Title: Adwords Marketing: Is It The Best, Or Is There A
New King?
Author: Dirk Wagner I
Word Count: 531
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In this article I will discuss whether or not Google Adwords is
still the best or if the new and upcoming ways of advertising
are taking over the way internet marketers show their products,
services, and offers to the general public.
People have been using Google Adwords now for years. There are
many people who have reported making six figure incomes or
higher by simply using Adwords to drive traffic to their
website. On the other hand, there are those people who complain
on a daily basis that the price of Google Adwords keywords have
gone up substantially since they were first offered and it's now
getting very difficult to become profitable using Google
Adwords. It really takes a marketer examining his offer,
marketing funnel, and advertising costs of Adwords to determine
whether or not they are not making any profit at all, turning a
small profit, or banking huge returns using Adwords.
Since the birth of Adwords there has been many other avenues of
advertising that social networks and search engines have tried
to create using Adwords model.
In this article, I will specifically look into Facebook. The
huge social network of high school students, college students,
and many other individuals has grown by leaps and bounds since
it was first created. Now that Facebook has a considerable
amount of traffic they have decided to try and turn a large
profit by offering advertisers the chance to advertise their
offers on their network.
At first, they used a platform called Facebook Fliers. The
platform boasted to be able to show your offer per thousand
impressions. The rates were very cheap and on first looked it
seemed as if it was going to be a very promising program. Well,
as months went by, Facebook Fliers proved to be very ineffective
for marketers. The main complaint now was that Facebook was
charging only for impressions, and instead they should switch to
clicks. The reason being is if a user "clicks" an offer it
shows definite and genuine interest in the marketers offer.
With the advice of internet marketers all over the world
Facebook switched to its newest program, "Facebook Ads."
Facebook Ads now charges each marketer per click instead of per
impressions. With the birth of this program, marketers all over
the world are boasting huge returns now using Facebook Ads. The
CPC (cost per click) is low due to their not being much
competition in niches and it seems as if this is the best model
Facebook could have switched to.
The internet and advertising is constantly evolving, and it
seems as if Facebook is right on top of the trends and how
quickly things can change. I suspect that this social network
will be around for decades to come and will be able to monetize
itself very well by showing advertisements to its audience of
close to 100 million people.
Now, it's time for YOU to cash in on the huge returns of
Facebook Ads. My tip to you is to find an uncovered niche and
take full advantage of it before someone else does!
About The Author: Dirk Wagner is a programmer who has been able
to uncover all the secrets of programs such as Facebook Ads and
Adwords Marketing. Visit his website
http://www.facebooksecretsexposed. for more information oncom
his incredible program.
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- 18.
-
The Chemical Brothers Go Organic
Posted by: "Colin Galbraith" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 8:12 pm (PST)
Please consider this free-reprint article written by:
Colin Galbraith
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- We request that you ask permission from the author if you
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Article Title: The Chemical Brothers Go Organic
Author: Colin Galbraith
Word Count: 603
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The Chemical Brothers are made up of childhood friends Tom
Rowlands and Ed Simons, and are a Grammy Award winning
electronic music sensation. Originally referred to as the The
Dust Brothers until a legal threat from another band of the same
name, they changed their name in 1995 after a successful tour of
the U.S.
The Chemical Brothers are one of the few bands that
successfully made the transition to arena-sized concerts, and
the fact they are an electronic act makes this feat even more
impressive. Along with The Prodigy, The Chemical Brothers have
become known as pioneers of the big-beat electronic dance genre,
and have a reputation unsurpassed for their use of complicated
sound and light effects to produce amazing live gigs.
In the studio, they have been releasing albums since 1995, when
they first put out Exit Planet Dust. Shortly after its release
they were snapped up by Virgin Records, under which they started
their own offshoot label, Freestyle Dust.
During that year's Glastonbury Festival, Rowlands and Simons
met up with Noel Gallagher from Oasis, who told them how much he
liked their debut album, and that he would like to sing on a
future track. They got together and recorded Setting Sun, the
song being released in October 1996. It gave the duo their first
number one single, and also starting a popular trend they would
continue, of working with guest vocalists.
In 1997 the Chemical Brothers released their second album, Dig
Your Own Hole, after recording it at their studio in south
London. During that summer they toured extensively, playing
clubs and festivals, particularly in the United States. In
Tokyo, they became residents in the Liquid Rooms.
After a break of almost two years, the Chemical Brothers
returned with a new single which signalled a subtle change in
direction. Hey Boy, Hey Girl was immediately a more commercial
record, and as a result went to number 3 in the UK charts and
gained them huge publicity.
The third album, Surrender, was released in June 1999, again
featuring the likes of Noel Gallagher on backing vocals. The
album reached number 1 in the UK and received widespread
recognition from all sections of the music press.
Memorable gigs at Glastonbury and a UK tour followed. The album
Come With Us was released in 2001, but it was less well received
than any of their previous work. This didn't prevent it topping
the UK charts in its first week of release however, as they
proved their fan base was loyal to the core.
Early in 2003, the Chemical Brothers went back into the studio
to work on new material, including The Golden Path, a
collaboration with Wayne Coyne, lead singer of The Flaming Lips.
This came out in September 2003, around the same time their
Singles 93-03 (best of) album was released.
The following year, they were back in the studio to work on
their fifth studio album, Push The Button, again featuring
collaborations with Tim Burgess, Kele Okereke and Anwar
Superstar, amongst others. The album was released in January
2005 and saw good initial sales, but it wasn't until July 2007
that the Chemical Brothers released their best-selling sixth
album, We Are the Night.
To help promote this, the Chemical Brothers embarked on a
hugely sucessful UK tour this December. Their latest single from
the album, The Salmon Dance, is out now.
Discography
1995: Exit Planet Dust
1997: Dig Your Own Hole
1999: Surrender
2002: Come With Us
2005: Push the Button
2007: We Are the Night
About The Author: This article was written by Colin Galbraith
for http://www.Viagogo.co.uk, a leading European ticket hub.
Viagogo connects buyers and sellers of tickets, concert tickets,
theatre tickets and more. Viagogo also guarantees all the
transactions.
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- 19.
-
Spice Girls: What They Really, Really Want Is For You To Love Them..
Posted by: "Brad Moon" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 9:11 pm (PST)
Please consider this free-reprint article written by:
Brad Moon
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==================
Article Title: Spice Girls: What They Really, Really Want Is
For You To Love Them... Again
Author: Brad Moon
Word Count: 1582
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"Yo, I'll tell you what I want, what I really really want,
So tell me what you want, what you really really want,
I wanna, I wanna, I wanna, I wanna, I wanna really,
Really really wanna zigazig ha."
Apparently the concert-going public has spoken and what they
really, really want is to see the Spice Girls perform together
once again.
They're back !
Just when you thought the whole reunion nostalgia thing must be
losing its steam, one of the most famous of the "girl bands,"
The Spice Girls, have just launched a reunion tour that will
take them well into 2008. With Simon Fuller once again steering
the ship, there is little doubt that this will be a heavily
promoted, successful, and lucrative endeavour for all involved.
A pop music phenomenon, the Spice Girls launched a career that
included three albums, multiple world tours, sales of 55 million
records and even a Spice Girls movie. Like few groups before
them, the Spice Girls became a fixture in the British press.
Their Girl Power mantra (emphasising loyalty and friendship) was
heavily marketed and made the Spice Girls internationally
famous. They were unabashedly pop, shamelessly aggressive
self-promoters, and their individually developed personas
brought comparisons to the Beatles and Beatlemania. While
British radio had been dominated in the early 90's by
guitar-based bands like Blur and Oasis, the Spice Girls were
pure pop and aimed squarely at a young female audience.
It all started in London in 1993 with an open audition for a
girl group being put together by Bob and Chris Herbert. Their
group - Touch - was finalised based on these auditions and the
line-up included Victoria Adams, Melanie Brown, Melanie Chisholm
and Geri Halliwell. The women were moved into a house together
and began a demanding routine of song and dance rehearsals. The
pace was too much for the fifth member of Touch, and she left to
be replaced by Emma Bunton.
After a disagreement over the band's direction with Chris
Herbert, the band quit and broke away in 1994. In the fall of
that year they met Simon Fuller (yes, that Simon Fuller; not the
caustic judge, but the creator of the various Pop Idol
television series including American Idol) and by spring of
1995, they had signed with Fuller and his company, 19
Management.
In September 1995, the band officially became the Spice Girls
and Fuller landed them a recording contract with Virgin Records.
He quickly whisked them off on a promotional tour of the United
States followed by filming for their first video, Wannabe. By
May of 1996, Wannabe was a hit on video stations and the Spice
Girls were on the road to fame.
In July of 1996, Top of the Pops magazine ran a feature on the
Spice Girls, in which the editor suggested that nicknames for
each of the Spice Girls might be a good idea: Posh, Ginger,
Baby, Scary and Sporty made their first appearance in the music
press and the nicknames stuck.
Simon Fuller turned out to be a master of promotion and worked
every angle to get the Spice Girls out there. They toured the
United States again, appeared at a Christmas tree lighting in
London in 1996 that drew 500,000 people, and began promoting a
myriad of products, including Pepsi, Polaroid and Cadbury's. By
February 1997, Wannabe had become the number one song in the UK
and US charts, and by this point, the Spice Girls had amassed
world CD sales of six million, along with seven million singles.
Not bad for a debut.
Their follow-up album, Spice, was released in March of 1997,
and sales climbed to 14 million copies by July of that year.
Their third album, Spiceworld, was released shortly after in
November 1997, and just prior to the release of their movie,
Spiceworld, on Boxing Day of 1997. The film grossed $75 million
worldwide. Then in a bombshell announcement, the Spice Girls
dropped Simon Fuller as their manager just prior to the start of
a massive world tour. Probably not a good move, given that he
appeared to be crucial to their success.
1998 started off with the news that Victoria Adams was engaged
to soccer star David Beckham. In February, the Spice Girls began
the previously planned, 102-date world tour in support of
Spiceworld, but the cracks were beginning to show. Geri
Halliwell failed to appear at several gigs in Norway in May and
soon released a letter announcing her departure from the group.
In June, the Spice Girls, minus Ginger, undertook the American
leg of the tour, but rumours of the group's imminent demise were
fuelled by the news in August that both Victoria Adams and
Melanie Brown were pregnant. The Spiceworld Tour concluded with
a pair of sold out shows at Wembley Stadium, but it was to be
their final tour.
Brown married in 1998 followed by Adams in 1999. In October
2000, the Spice Girls released their final album, Forever. They
never officially broke up, but the group didn't release any more
material and each went her own way.
Discography
1996: Spice (UK #1)
1997: Spiceworld (UK #1)
2000: Forever (UK #2)
2007: Greatest Hits (UK #2)
Number 1 Singles (UK Charts)
1996: Wannabe, Say You'll Be There, 2 Become 1
1997: Mama/Who Do You Think You Are?, Spice Up Your Life, Too
Much
1998: Viva Forever, Goodbye
2000: Holler/Let Love Lead The Way
So where have the Spice Girls been for the past seven years?
Melanie Brown (aka "Scary Spice," aka "Mel B") released a solo
album in 2000 and has since concentrated largely on an acting
career. Her credits include roles in the BBC3 sitcom Burn It,
movies Lethal Dose and The Seat Filler, a Broadway appearance in
the musical Rent, a part in The Vagina Monologues in London, and
appearances on television reality shows This Is My Moment and
Dancing With The Stars. A second solo CD was released in 2004,
after her autobiography was published in 2002. Melanie has two
children, daughters Phoenix Chi and Angel Iris. Brown garnered
considerable tabloid press in 2006 when a relationship with
actor Eddie Murphy ended, with Brown claiming that Murphy had
fathered Angel Iris.
Melanie Chisholm (aka "Sporty Spice," aka "Mel C") has enjoyed
a busy solo career since the Spice Girls split up, releasing
four albums and performing a hit duet with Canadian singer Bryan
Adams. She formed her own label, Red Girl Records, and has been
actively touring in support of her material.
Victoria Beckham (aka "Posh Spice") has recently had
considerable attention with the American tabloid press,
following her move to Los Angeles with husband, soccer star
David Beckham, who joined the L.A. Galaxy football team. The
Beckhams have three sons. Victoria hasn't pursued a solo singing
career, unlike the other girls, but has followed her interest in
fashion, acting as a guest fashion editor with Harper's Bazaar
magazine and releasing several clothing lines as well as her own
fragrance (Intimately Beckham). Beckham has made several
television appearances, including a stint on Ugly Betty. Beckham
has also published a fashion guidebook and an autobiography.
Geri Halliwell (aka "Ginger Spice") has released three solo
albums, contributed a hit single to the movie Bridget Jones's
Diary (It's Raining Men), released two autobiographies, released
two yoga videos, and appeared on the television show Sex In The
City. Apparently not content to sit still, Halliwell is also an
ambassador for The Prince's Trust, has written six
soon-to-be-published children's books and became a mother with
the birth of daughter Bluebell Madonna in 2006.
Emma Bunton (aka "Baby Spice") has released three solo records,
appeared on BBC1's Strictly Come Dancing, and in August of 2007,
became a mother with the birth of her son, Beau Lee.
So, now we come to 2007. Hard feelings are put aside, and
everyone is back on board. Even Simon Fuller. A formal
announcement of the reunion was made via a press conference on
28th June: the Spice Girls would reunite for a world tour to
support the release of a greatest hits CD. The tour will be
filmed for a documentary to be released by the BBC. And true to
their past pattern, the Spice Girls and Fuller are already
lining up corporate sponsors for the tour, including a £5
million fee to appear in advertisements for the Tesco
supermarket chain.
The initial concert took place on December 2 in Vancouver,
Canada. A sell-out crowd of 16,000, which paid up to $550 CDN
for tickets, was reportedly heavily skewed toward the teen
female demographic. Reviews of the concert were good - the
Telegraph's Catherine Elsworth said:
"They performed for almost two hours, rattling through 22 songs
including old favourites such as Spice Up Your Life and Wannabe
as well a few covers and tracks the girls had recorded while
pursuing solo careers. The exuberant set - which took in eight
costumes and elaborate choreography including a spot of pole
dancing - had fans screaming from beginning to end and betrayed
no signs of the intervening years."
Sounds like the Spice Girls shouldn't have any problems selling
tickets for the rest of the tour dates.
Links
www.thespicegirls.com
Tour Dates
LONDON - The O2 Arena
January 2, 3, 4, 6, 8, 9, 11, 12, 13, 15, 16, 18, 20, 22
MANCHESTER - MEN Arena
23 & 24 Jan 2008
About The Author: This article was written by Brad Moon for
http://www.Viagogo.co.uk, a leading European ticket hub. Viagogo
connects buyers and sellers of tickets, concert tickets, theatre
tickets and more. Viagogo also guarantees all the transactions.
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- 20.
-
Whiplash: Half A Second Of Damage Can Take Far Longer To Repair.
Posted by: "Nick Jervis" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 9:11 pm (PST)
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Author: Nick Jervis
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There are four phases that occur during a whiplash injury and
all four take place in less than one half of a second. The
injury itself is determined by the different forces that act
upon the body at this time. The movements that the body
undergoes are both sudden and forceful and can cause damage to
the vertebrae, nerves, discs, muscles and ligaments of both the
neck and spine.
The first phase takes place as the car continues on its
trajectory, whilst the body strains against the seatbelt. This
results in the middle area of the back to be forced against the
backrest of the car seat and causes an upward force in the
passenger that compresses the discs and joints of the cervical
spine. Because the car itself is still moving, it pushes the
torso forward and moves the head backwards at the same time that
creates a shearing force in the neck. The majority of the damage
caused in this phase is caused before the head makes contact
with the headrest.
The second phase takes place as the body reaches its maximum
acceleration which can be as much as 2 times the speed of the
vehicle itself. At this point, however, the head continues on
its backwards journey. Combined with the elasticity of the
seat's back, an "s" shaped curve forms in the spine which
increases the acceleration of the torso; the body is still
moving forward while the head is still moving back and another
shearing force is created in the neck. It is during this phase
that most of the injuries to bones, joints, nerves and discs
take place.
The body begins its journey back and into the seat during the
third phase, whilst the head and neck move forward at peak
acceleration. If the brakes have been applied during this phase,
the resulting deceleration increases the exaggerated movement of
the neck and the shearing forces that are involved. This causes
the body to move forward again and, at this point, any slack in
the car's seatbelts will be taken up.
The fourth phase of the whiplash motion is usually the most
damaging. Because the seatbelt is now restraining the torso, the
head moves forward without obstruction, causing a violent bend
in the neck. This strains muscles and ligaments, tears fibres in
the spinal discs and the vertebrae are forced out of their
natural positions. The spine itself becomes elongated and the
motion of the head can cause the brain to impact upon the inside
of the skull.
The resulting symptoms of the four phases of the whiplash
injury can include neck pain, back pain, dizziness, headaches,
blurred vision, fatigue and mood-swings. This can be
inconvenient at best and at worst severely debilitating, if not
treated correctly.
A whiplash injury and the associated disorders that may
manifest as a result can cause loss of earnings as well as
impact upon a sufferer's social well-being. Personal injury law
firms now regard whiplash compensation claims as a specialist
area of personal injury law.
About The Author: http://www.1stclaims.co.uk is run by a
non-practicing Personal Injury Solicitor with over 14 years
personal injury claims experience. We use this first hand
knowledge of the Personal Injury Claim system to hand select the
very best personal injury solicitors for you.
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- 21.
-
Haggle Your Way To A Cheap Property
Posted by: "P Green" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 9:11 pm (PST)
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Article Title: Haggle Your Way To A Cheap Property
Author: P Green
Word Count: 631
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It's the thing everyone searching for a new home would give
their eye teeth for: You find the house of your dreams and
discover it's not just perfect, it's also affordable!
Welcome to the unlikely world of cheap property. It doesn't
seem to exist when you first look for it. But dig deep, and
you'll find it does still exist, even with the over inflated
house prices that seem to plague buyers, especially first time
buyers.
The best place to find cheap property is at the auction houses.
If you're a bit more picky about where you want to live, the
only other way to get a good price is find the perfect property,
and then try to haggle the price down.
Haggling is nothing to be scared of. As a potential buyer,
you're well within your rights to offer less than the asking
price for a house. After all the seller can always say no.
Haggling is about finding the right price for both parties, and
is a technique used by professional property investors every
time they buy a new project to work on.
Here are our top tips to make you a super haggler:
Set a budget and stick to it
Getting cheap property requires you to think with your brain
and not your heart. Look closely at the property valuation of a
house set by the seller, and decide exactly how much you
actually want to pay for it. Then stick to that it can be a
powerful buying technique to dig your heels in over a price. You
present the seller with a difficult choice lose a keen buyer,
or get the property sold for the sake of dropping the price a
few thousand. Of course, there is always the danger you will
lose the property. This is one of the downsides of life as a
haggler.
Use market trends to support your position
You should follow news about the property market on websites
such as this one. If you know the overall UK property market is
slow, and it's worse locally, that puts you in a stronger
position as a buyer. You know that more cheap property is likely
to come up elsewhere. This kind of knowledge helps your brain
make the decisions, rather than your heart.
Know how much similar properties sold for
Effective haggling for cheap property is all about leveraging
information. If you know a similar property sold 3 months ago
for £150,000, why would you pay £155,000 now (especially in a
slowing market).
Take advantage if it has been left on the shelf
Houses that have been up for sale for a while are great targets
for the haggler. That advantage increases if the price has been
dropped it shows that the owner is keen to get a sale and is
more likely to enter into negotiations. You should be able to
find out from the seller's estate agent how long it's been on
the market. If they're not forthcoming, then ask other estate
agents as property professionals, they will often be aware
what else is happening in the area.
Keep your cool
When viewing a property, try not to show how much you like it.
It's easier to negotiate if the seller can't read how much you
want it. A poker face is needed!
Show your cards
Saying that, one clever tactic when haggling is to demonstrate
to the seller and their agent how much research you have done
and what information you have. It demonstrates you are serious,
and can sometimes make the haggling over cheap property a much
quicker process.
About The Author: For more on cheap property try visiting
http://www.propertytoday.co. uk
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- 22.
-
Using Affiliate Marketing To Expand Product Offering
Posted by: "Donald J. Jones" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 9:12 pm (PST)
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Article Title: Using Affiliate Marketing To Expand Product
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Author: Donald J. Jones
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One of the quickest ways to add products and services you offer
on your website and improve your income is through affiliate
marketing. Becoming affiliated with established online
businesses not increases the number and types of products and
services you offer to your site's visitors, it can also improve
the credibility of our website.
The key to online success is traffic and companies are spending
millions of dollars each year on online marketing and
advertising to get people to visit their websites. Many small
online businesses are finding that by helping them achieve
higher visitor traffic and sales, the companies are grateful and
in return are willing to offer a sales commission on every sale
made by a visitor from a site from which they were referred.
Hooking up with these companies allows your site to offer
visitors items that you do not offer as well as earning you a
percentage of any purchase they make.
Most of the companies working with affiliates design their own
advertisement, whether through graphics or text and give the
affiliate sites the choice of different sizes and styles of ads
to fit in with their overall website design and color scheme.
These ads are also linked with an embedded code to track the
number of visitors that each of the affiliated sites send their
way, the type of ad that is used and how much they spend on the
company's site. This information is also used to help determine
the commission the affiliates have earned based on their
referrals.
Most of these companies also provide a way for affiliates to
track how an advertisement is performing and whether text or
graphics ads are producing more traffic. The affiliates,
tracking the progress of different ad styles, can adjust their
ad style and placement on their pages in an effort to generate
more traffic. You should also keep any affiliated company ads
placed on your site timely and they should be changed frequently
to reflect changes in the season or potential buying habits.
There is one key to success as a site hosting affiliate ads, in
addition to ad placement and style and that is the same the
businesses you are representingtraffic. A successful affiliate
marketer will constantly marketing their own website to draw as
much traffic as possible. The more traffic an affiliate site
receives, the more potential customers see the advertisement
posted on the site and the more sales commissions you can earn.
Whether you use article marketing, search engine marketing or
your own internet advertising campaign, bringing visitors to
your site will improve your affiliate marketing income.
Some successful affiliate marketers have found that advertising
off line can also improve their traffic and sites advertised in
traditional media may bring more visitors not accustomed to
search the internet for what they seek. This not only adds
visitors to your site, but also introduces potential customers
to a wider range of products. It may also be beneficial in terms
of repeat customers by them book marking your site instead of
some others, finding it more convenient to be able to find a
host of online shopping outlets through one internet portal.
Copyright © Donald Jones
About The Author: To find the best home based business ideas
and opportunities so you can work at home visit:
http://www.Donni05J.com
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- 23.
-
The Donald Trump Network Marketing Endorsement. Is It True?
Posted by: "Brian Garvin And Jeff West" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 10:12 pm (PST)
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Article Title: The Donald Trump Network Marketing Endorsement.
Is It True?
Author: Brian Garvin And Jeff West
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Donald Trump is becoming a very familiar name in many
households today. He not only shows up on television once a
week, but he is in the news and he owns his own business, one of
which deals with Donald Trump Network Marketing.
Some may argue that is it not true and that they program that
he offers is false but others may swear that if Donald Trump
endorses it then it must be legitimate. Network marketing is the
wave of the future and isn't it only right to expect someone in
the position that Donald Trump is in to get on board and endorse
the latest network marketing programs?
Some would argue that Trump was seen either on The Late Show
with David Letterman or on the Tonight Show with Johnny Carson
where the host asked Trump what he would do if he ever lost his
fortune and Donald Trump supposedly replied that he would turn
to MLM in order to gain it back.
Now there are some people who swear that this took place
sometime in the late 80's early 90's but no one is for sure.
There have even been some people who researched transcripts to
find out but uncovered nothing of the sort. So whether Donald
Trump Network Marketing is something that we will see in the
future is something that we just need to wait and see.
There is a company, ACN Australia, online that has a website
which shows Donald Trump endorsing them. The Donald Trump
Network Marketing plan can be seen easily on this site. The
company is a telecommunications service company that offers
several different products that you can sell in order to make
money in the MLM program.
Because of Donald Trumps endorsement the company claims to be
seeing an increase in their business. This leaves everyone
wondering if Donald Trump feels confident enough to give it the
Donald Trump Network Marketing stamp of approval then wouldn't
it be worth looking at and inquiring about.
Programs and sites are always competing in order to make more
money and get enough people to back them up. The MLM way is
about marketing at multi levels. When you become part of a MLM
family and start selling products and promoting the business
people soon realize that if you say that a product is okay then
it must be. The same is for Donald Trump. If enough people see
him endorsing the Donald Trump Network Marketing plan then they
will know that it is one way to make money. If Donald sees it
everyone should.
Because of the controversy that surrounds the more popular
people like Donald Trump it is hard to say whether he did or did
not say something in the past. But rest assured he is a
confident person and if he said it he surely wouldn't be afraid
to let it be known.
Confidence is one thing he is not missing. The Donald Trump
Network Marketing may not be popular and it may not even exist
to some people but people will start searching and looking just
to see if a company has been endorsed by Donald Trump Network
Marketing.
About The Author: You can read our Unbiased, expert review of
articles like http://www.MLMreviewKings.com/ fromecoquest. html
Brian Garvin and Jeff West at http://www.MLMreviewKings.com. his
article may be used royalty free provided bio & links remain
intact. Copyright © Mission Billion, Inc.
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- 24.
-
Digital Signage - Build Your Brand With In-store Advertising
Posted by: "James Barry" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 10:12 pm (PST)
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The recent advent of new technologies is transforming the way
retailers communicate with their customers. These customers are
bombarded daily with thousands of images and messages. The need
to promote, inform, educate and receive feedback is being
transformed. This is all clearly seen and made use of by digital
signage networks (DSN). Banks, airports, movie theaters,
casinos, sports stadiums, and other public spaces are all using
this exciting technology.
There is a huge amount of overlap between terms such as digital
signage, narrowcasting, captive audience networks, interactive
kiosks, self-service terminals, and many others closely related
terms. Slightly different connotations given to these terms by
different companies makes it difficult to figure out what to
look for when doing online research or talking to an expert in
the field. These articles serve to differentiate or more
succinctly describe specific terms. There will, quite naturally,
be degrees of overlap.
Digital signage is a broad term that encompasses a wide variety
of different applications and technologies. In a general sense,
the term refers to electronically controlled signs that can be
updated without changing the physical sign itself. No more
climbing up on a ladder and putting individual letters into
place. Changes can be made quickly and cost-effectively. Digital
signage is usually seen as a form of digital advertising that is
displayed on an electronic or digital screen. Digital signage
delivers targeted messages to specific locations at specific
times. Messages can be remotely changed and controlled. The
digital sign itself could be a scrolling message board, LCD or
plasma display panel, electronic billboards, projection screens
or other displays such as an Organic LED screen.
The term, "digital signage" is used throughout North America
and most of Europe but the terms "narrowcasting," digital
merchandising, screen-media, place-based media, digital media
network, or captive audience network are also used.
Digital signage content can range from simple text and still
images to full-motion video. Some retailers treat their digital
signage almost like a television station that displays
entertaining or informational content interspersed with targeted
advertising.
With rapidly dropping prices for large plasma or LED screens,
digital signage is increasing in popularity. You will now see
digital signage everywhere-- from retail outlets to doctors'
offices. With the recent introduction of free digital signage
software, this technology or tool is becoming attractive to
smaller businesses and nonprofits such as schools and churches.
The creative use of display technologies even allows for
high-contrast images to be projected directly onto store windows
or displays that appear to hang in mid-air.
Digital Signage Usage
Information such as flight information in airports.
Advertising.
Advertising for third parties: retailers sell commercial
space on their digital signage.
Enhanced customer experience-- such as recipe demonstrations
in food stores.
Influencing customer behavior-- directing customers to
different parts of a store to increase "dwell time."
Brand building-- digital signage in video form could be used
as part of the décor.
Electronic signs and dynamic digital signage can also up-sell
customers and encourage them to purchase high margin products.
About The Author: For more information on digital signage and
creative digital media contact http://www.ek3.com
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- 25.
-
A Guide To 100% Mortgages
Posted by: "Michael Sterios" distribution@isnare.com articles_isnare
Tue Feb 5, 2008 11:11 pm (PST)
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Michael Sterios
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Article Title: A Guide To 100% Mortgages
Author: Michael Sterios
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In this day and age of rising costs and low housing
affordability, various schemes have arisen to assist
first-time-buyers get onto the property ladder. One is these is
100% mortgages, which provide enough funds to the borrower to
purchase a property outright.
This eliminates the need for a deposit as 100% of the
property's purchase cost is funded by the lender by way of a
mortgage. Essentially 100% of the value of the property is
mortgaged, leaving no equity in the property on the date that it
is purchased.
The main benefit of 100% mortgages is that the borrower will
not be required to put down a deposit. This can allow people
with only a small amount of savings, such as first-time buyers,
the opportunity to get a foot on the property ladder.
Instead, any savings that have been accumulated can be used to
pay for purchasing costs such as legal fees, stamp duty, and
mortgage application and brokerage fees. Any remaining funds can
be saved for furnishing and fitting out the property and to keep
aside as an emergency fund.
While the prospect of not having to fund a deposit may be
attractive, 100% mortgages have several terms and conditions
that mortgages of lower Loan-to-Value (LTV) ratios do not.
These include a higher interest rate, a higher loan balance
resulting in more interest to pay, a limited number of lenders
to choose from, stricter lending criteria, tie-ins and early
repayment charges, and mortgage Indemnity Guarantees (MIG) or
Higher Lending Charges (HLC).
In addition to these extra terms and conditions, 100% mortgages
also enhance the risk of negative equity. Negative equity occurs
when the value of a property is less than the balance of all
finance, such as mortgages and secured loans, held over it. A
decline in the value of the property below this balance will
result in negative equity.
Despite the disadvantages, 100% mortgages have become popular
in recent years due to rapidly increasing property prices and
the inability of first-time-buyers to save for the deposit
necessary to apply for more traditional mortgage products.
More recently, mortgages with LTVs higher than 100% have begun
to emerge. These mortgages also provide cash-back funds to the
borrower to help pay for purchasing costs such as stamp duty and
legal fees.
While high LTV mortgages can provide a short-term solution for
getting a foot on the property ladder, careful consideration
should be given before applying for 100% mortgages, or higher,
as they can be risky.
If a borrower cannot keep up with their mortgage repayments
their lender may repossess their home. The lender will sell the
property and use the sale proceeds to pay off as much of the
loan balance and mortgage arrears as possible. If there is a
shortfall then the borrower will be liable to pay for it despite
the fact they no longer own the property.
The risk of a shortfall is greatly increased if the mortgage
funds borrowed equal 100% or more of the value of the property.
Home owners should therefore be aware that this type of mortgage
does expose them to a high risk of shortfall if their home is
repossessed and sold.
As with all loans, the key to success is for borrowers to
ensure that they don't borrow any more than they can afford to
repay.
About The Author: Michael Sterios is a writer for
http://www.ukmortgagesource. co.uk
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