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  • Your First One Hundred Days, Projecting Your Leadership Role - So, the day has finally arrived. You've earned it. You've fantasized about it. You're expertly qualified which is why you've been selected for the job. But you walk into that executive suite and start to sweat. Yes, you want a seat at the table, but now that you have one, do you really know what to do? As a communications coach, I earn my living teaching others how to talk. But talking doesn't always translate to leading, which many of us learn early on in our careers. As a television reporter in Philadelphia some years back, I recall receiving a phone call from my son's daycare as I was about to leave for work.
  • Economic Times Challence Child Wellfare - "What did you get for Christmas?" This is one of the first questions that a child asks his friends when they return to school after the holidays. With this year's economy forcing parents to cut back, experts believe it is a good time to teach children about some of life's challenges.
  • College Costs in 2009 - A recent Dec. 3, 2008 New York Times article focused on the affordability, or not, of college in the U.S.
  • Another Aspect of Free Dating Sites - I think the concept of free dating sites has been integrated into the life of almost all individuals. Sometimes, I feel the free dating sites are taking us a step ahead in this age of new technologies.
  • U.S. Statistics on Education - There are about 1.5 million elementary school teachers and 1.1 million secondary school teachers in the United States, and the amount spent, by average, on home schooling per child in the United States is about $450. (Source: Charity Navigator.com) - Between 8 and 15 million children nationwide are unsupervised at the end of each school day; - An average deaf child isn't introduced to English until age six, upon entering school.
  • What u Need to Know Before You Apply For a Credit Card - What You Need to Know Before You Apply For a Credit Card If you need tips on applying for the right credit card for your needs then this article is for you. Finding the perfect credit card to fit your needs used to be very difficult.
  • The Google AdSense: Earn Extra Cash on your Website. - If you are an Internet business owner then you are quite familiar with the power of advertising online. Perhaps you are advertising through Google Adwords. Google Adwords drives traffic to your website. You pay each time a person clicks on your Google Adwords advertisement. Did you know Google also lets you make money by displaying advertisements on your website that are from other Internet businesses? For more detail you can login to www.adsense-income-exposed.com Google allows you to do this by participating in Google AdSense.
  • A Travelers' Bag - This bag is for travelers. Sure, a once in a great while visitor to the great aunt in Cleveland can use this bag, but you may not want to spend that much money.
  • Pampering And Adventure - In the early light of morning, I made my way to the giant gazebo at the Red Mountain Spa to join other guests for a hike in the surrounding red rock bluffs of Snow Canyon State Park in southern Utah. One of the very special things about this spa is its emphasis on the great outdoors, its multi-level hikes over and around various paths and more challenging terrain for the more experienced hiker all led by knowledgeable guides.

  • There Are Many Reasons Why You Should Choose Inflatable Boats Over Traditional Boats - If you spend any time in or around the water then you probably own or have considered owning an inflatable boat. There are many uses for inflatable boats and many people own them for a variety of very different reasons. What Can I Use An Inflatable Boat For?
  • Bahamas Cruise Expert Guide - he Bahamas is arguably the most popular cruise destination for U.S. travelers, and is especially popular with first-time cruisers from the U.S. Only 75kms from mainland USA, the outer islands that make up the group can be reached within a matter of hours.
  • Chocolate - Friend or Foe? - Life here at Fitness by Phone is never dull - not when you can write about the health benefits of chocolate!
  • The Discovery Of America Columbus - Christopher Columbus was born in the busy Italian seaport of Genoa and would have made many shorter sea voyages during his youth. His brother, Bartholomew Columbus, was a cartographer in Lisbon, and the 25 year-old Cristóbal joined him in 1476. In 1484 the Portuguese were already working on a way to Asia by going around the coast of Africa, and rejected Christopher's theories that the Indies could be reached by sailing west around the world.
  • Learn Chinese: The Key To Maintaining US Economic Competitiveness - China currently has a population of over 1.3 billion people.
  • Your business idea to the optimum Utilize it - your business idea to the optimum. Every year tens of thousands of people strike out on their own with a vision of starting a successful business. They have the idea, they have the plan…all they need now is to take the actions to turn their dream into reality.
  • Real Estate Investment Strategies to Accumulate Cash - Plenty of fancy words have been written about real estate investment strategies. But I want to cut to the chase in this article. No matter how fancy the language is, investment strategies boil down to two objectives: Buying real estate to accumulate cash. Buying real estate to build equity and wealth. Which strategy to choose depends entirely on you—your needs, your personality, and so forth. Frankly, either choice is fine as long as you choose one early in your career, commit to it over the long term and do everything you legally can to make it successful. In this article, I'll look at the cash accumulation strategies and the pros and cons of each. I'll treat the build equity and wealth strategy in another article.
  • SendMeTheCard.com – Before You Throw Away That Pre-approved Credit Card Offer Use it to Your Advantage - If you’re like most people you have probably received your share of pre-approved credit card offers in the mail. Credit card companies send millions of offers to consumers each year. Although many of these offers simply go ignored or discarded, there are some that offer great benefit. Let’s examine how you can benefit from what may have initially been thought of as junk mail. Many of these pre-approved credit card offers provide competitive rates, and an opportunity to transfer balances from higher interests rate credit cards to a lower rate for a limited time period. This could save you hundreds (sometimes thousands) of dollars depending on the average balances on your high interest credit cards. One of the most popular pre-approved credit card offers is from Chase bank.
  • Real Estate Bargains In The HUD Repo Market - HUD is short for the federal agency called the "Department of Housing and Urban Development." The agency offers homes to "owner-occupant purchasers"; in other words, to people who are buying the home as their primary residence. However, there are opportunities for us, as investors, in this market. Owner-occupants have first crack at foreclosed properties. But, if these re-possessed properties aren't sold, then we can have a shot at them. In this session, I'll show you how to approach this market. HUD Repossessions A HUD home is a 1 to 4 unit residential property acquired by HUD as a result of a foreclosure action on an FHA-insured mortgage. When this occurs, HUD repossesses the property and offers it for sale to recover the loss on the foreclosure claim.
  • How Big is the Travel Industry and Cruise to Cash? - Chances are, just about everyone you know is either planning a vacation or already has one planned. Everyone loves a good vacation now and then and many people take several vacations a year. The travel industry is a huge industry making an amazing 8.5 trillion dollars a year! With that much money being spent, it's a pretty safe assumption that getting into a business opportunity that involves travel is a safe bet, because the travel industry surely isn't going anywhere. Of course, when a person plans a vacation they want the best amenities possible. Most people feel luxury vacations are the ultimate getaway, and plan their vacations according to what a location has to offer.
  • The Law of Harmlessness - Your Key to Creating Peace & Harmony! - The law of harmlessness revolves around both our thoughts and the words we use, but mostly it comes from our thought. We all want to experience a higher consciousness, be free from limitations and feel the goodness of life. However the main thing that keeps us from achieving is the fact that we compare, judge, denial and basically omit the things that we want. This is why the power of your thought and recognizing the value of our thoughts and controlling them so they are productive to peace, harmony and love is so critically important to us.
  • An Introduction to Real Estate Commercial Loan Documentation - The financial stakes are much higher when you're dealing with commercial investments rather than residential investments. With such deals, the rewards are greater, but the risk is also. So, it will pay you to understand completely the terms and wording of commercial loan documents. In this article, I'll provide you with the necessary knowledge of the basic loan forms and language. First, however, you should understand the types of lenders you'll be dealing with in this market. Mortgage bankers are the type that represents most commercial lenders. They work on behalf of a fixed number of lenders and usually have a long-standing relationship with them. Mortgage brokers are "shoppers" or middle men.
  • Understanding Mortgage Contingencies in Single Family Real Estate Investment - Here's the basic definition of a contingency: it's a condition or event that must be fulfilled before a real estate contract is binding on all parties involved. There can be many contingencies in contracts. A typical example involves inspection of the property: "This contract is contingent upon a satisfactory inspection of the home being completed by January 16 that reveals no significant defects. If defects are discovered, the Seller will correct them or provide compensation to correct them.
  • Can't Sell Your Property In Today's Real Estate Market? This is the Solution for You! - If you have a property you own and can't sell, you're probably wondering what your choices are. A rent-to-own may be a viable option. Creating a rent-to-own scenario is very simple. Take for instance the property you own.
  • Understanding the Annual Percentage Rate (APR) and What It Really Means In Real Estate - The annual percentage rate (APR) gives you the yearly cost of a mortgage in the form of a percentage. The rate calculations include interest, mortgage insurance, and the origination fee (points). The APR has two main purposes. 1. it allows borrowers to compare loan programs from different lenders so they can see which program is the cheapest. 2. It creates a "level playing field" for lenders. And, three, it prevents lenders from advertising teaser rates and hiding fees from consumers. The Federal Truth in Lending law requires mortgage companies to disclose the APR when they advertise their rates. Typically the APR is found next to the rate; for example, "30 year fixed...8%...1 point...8.
  • The Transgression of the Unnamed Prophet - Then the king said to the man of God, "Come home with me and refresh yourself, and I will give you a reward." But the man of God said to the king, "If you were to give me half your house, I would not go in with you; nor would I eat bread nor drink water in this place. For so it was commanded me by the word of the LORD, saying, 'You shall not eat bread, nor drink water, nor return by the same way you came.'" So he went another way and did not return by the way he came to Bethel.
  • The Unnamed Prophet - Then Solomon's servant, Jeroboam the son of Nebat, ... rebelled against the king. The man Jeroboam was a mighty man of valor; ... ...the Prophet Ahijah ... took hold of the new garment that was on him, and tore it into twelve pieces.
  • David and Abigail - Now there was a man in ... Carmel, [who] was very rich. He had three thousand sheep and a thousand goats. And he was shearing his sheep.... The name of the man was Nabal {lit: "a fool"}, and the name of his wife Abigail {lit: "source of joy"} ... a woman of good understanding and beautiful appearance; but the man was harsh and evil in his doings... When David heard ... that Nabal was shearing his sheep, David sent ten young men ... "... go to Nabal, and ... say to him ...
  • The Vital Topic of Liens in Real Estate - A lien is defined as a claim against a property for repayment of a loan or other judgments. This sounds like a very boring topic, but it's one of vital interest to you as an investor. This is because of one very important fact--a lien affects the ability to transfer ownership of a property! Believe me, it gets very exciting (and unpleasant) when a lien pops up and causes a very profitable deal to fall through. Failure to do due diligence on properties can cost you a lot of money!
  • David and Saul - So David came to Saul and stood before him. And he loved him greatly, and he became his armorbearer. And so it was, whenever the spirit from God was upon Saul, that David would take a harp and play it with his hand. Then Saul would become refreshed and well, and the distressing spirit would depart from him. ... when David was returning from the slaughter of the Philistine, ...the women had come out of all the cities of Israel, singing and dancing, to meet King Saul ... So the women sang as they danced, and said: "Saul has slain his thousands, And David his ten thousands." Then Saul was very angry, and the saying displeased him; ... So Saul eyed David from that day forward. And Saul cast the spear, for he said, "I will pin David to the wall!
  • David & Bathsheba - ... in the spring of the year, at the time when kings go out to battle, ... David remained at Jerusalem. ... one evening ... David ... walked on the roof of the king's house. And ... saw a woman bathing, and the woman was very beautiful to behold.... "... Bathsheba, ... the wife of Uriah the Hittite?" Then David sent messengers, and took her; and she came to him, and he lay with her ... And the woman conceived ... In the morning ... David wrote a letter to Joab {the commander of the army} and sent it by the hand of Uriah.... "Set Uriah in the forefront of the hottest battle, and retreat from him, that he may be struck down and die."... and Uriah the Hittite died ....
  • The Real Estate Short Sale- How It Works - If real estate investing is new to you then you might wonder what the term "short sale" means. You might also be thinking, in a market that exists today, what short sales could offer you in the way of opportunities. The best way to describe short sales is with an illustration: The loan on a home is greater than the price the owner can sell it for.
  • Real Estate Title Holding - Part Three - Corporations Corporations are a legal entity owned one or more shareholders. They can be private or public like Ford, Microsoft, Federal Express, etc.
  • Real Estate Title Holding - Part Two - Partnerships As the name suggests, partnerships consist of two or more partners who join together to acquire, operate and hold real estate. It's an effective way of pooling capital and talent. A key feature of a real estate partnership is that the investors don't actually have the title or ownership directly in acquired properties. Instead, they own a partnership interest. Partnerships usually take two forms—general and limited.
  • Understanding Mortgage Fees - In basic terms, mortgage fees are defined as charges by lenders for processing a mortgage loan, but these fees can be confusing to people since there are so many of them. So, it's important for both real estate investors and their customers to understand these charges so you know the real cost of loans and to make sure all charges are legitimate. Armed with this knowledge, you can get the best mortgage deal for yourself and for your customers and ensure that you're not being overcharged. As I explain mortgage fees, keep in mind that lenders have varying requirements so you may not have to incur the cost of every one of these charges. Application Fee This is the simply the cost of processing the loan.
  • The Basics of FHA Real Estate Mortgages for Investors - As an investor, it's important to know the details of HUD/FHA programs so you can deal effectively with buyers and sellers, particularly in the area of foreclosures. Owner-occupants have first choice on these properties, but when repossessed properties don't sell, you can pick up some real bargains. So, my advice is to study the basic information I provide in this article, and then gain as much knowledge as possible from the HUD/FHA web sites. That way, when opportunities do arise, you'll be ready to seize them.
  • Increase Real Estate Property Value Through A "Change of Land Use" - As investors, it's vital for us to make the "highest and best use" of our properties. In a global real estate sense, this phrase is defined as the use of a property that makes it the most valuable to a buyer or the market.
  • David & Goliath - Then Samuel took the horn of oil and anointed him in the midst of his brothers; and the Spirit of the LORD came upon David from that day forward.... (1 Samuel 16:13, NKJV) Now the Philistines gathered their armies together to battle ... And a champion went out from the camp of the Philistines, named Goliath, from Gath, whose height was six cubits {9 feet} and a span. He had a bronze helmet on his head, ... a coat of mail, ... bronze armor on his legs and a bronze javelin between his shoulders. (1 Samuel 17:1,4-6, NKJV) And all the men of Israel, when they saw the man, fled from him and were dreadfully afraid.
  • Samuel, the Faithful Prophet - Now the boy Samuel ministered to the LORD before Eli. And the word of the LORD was rare in those days ... And ... the LORD called Samuel. ... Then the LORD said to Samuel: "Behold, ...
  • Put Together a Home Buyers List the Buyers First Way - When you first decided to start in real estate investment that you were probably instructed to formulate a buyers list. This was a list of names of people that were looking for property. You were told that "with a good buyers list you may never have to put a property on the open market." The "Buyers First Program" was designed to take that a step further. Instead of wholesaling to real estate investors with all the associated risks, I chose to work with Real Estate Agents and use the entire MLS as my inventory. I develop a "retail, end buyers list" to give to agents.
  • Jephthah: a Conflicted Man of Valor - Now Jephthah the Gileadite was a mighty man of valor, but he was the son of a harlot; and Gilead begot Jephthah. Gilead's wife bore sons; and when his wife's sons grew up, they drove Jephthah out, and said to him, "You shall have no inheritance in our father's house, for you are the son of another woman.
  • The Purpose and Function of Fannie Mae - "Fannie Mae" is the nickname for the Federal National Mortgage Association. Although it has the "Federal" name in its title, it's actually a separate, chartered corporation that operates in the secondary mortgage market. In this article, I'll give you the background and history of Fannie Mae, describe typical properties, and show you how to buy those properties for investment purposes. Fannie Mae's Background Fannie Mae is a federally chartered organization. Its purpose to expand affordable housing and bring global capital to local communities in order to serve the U.S. housing market.
  • Samson: the Wayward Nazirite - ... Manoah's ... wife was barren and had no children. And the Angel of the LORD appeared to the woman and said to her, "... you shall conceive and bear a son. ... be careful not to drink wine or similar drink, and not to eat anything unclean. For ... you shall conceive and bear a son. And no razor shall come upon his head, for the child shall be a Nazirite to God from the womb;
  • Bargains in Probate Real Estate Investment - In this article, I want to tackle the legal subject of probate. This may sound like an odd topic for real estate investors, but, in fact, you can often find good investments when someone passes away. It's a fact of human nature that inheritors of probate estate will often want to sell that property quickly to get the money and aren't always concerned about getting full value from the home. Or, they may live out-of-state and simply not realize the full value of the property. When these situations occur, the opportunities for bargains arise! What is Probate?
  • How to go Christmas shopping for babies and toddlers. - A baby's first Christmas will always be treasured by his parents and when it comes to gift-giving this is a perfect time to start your own tradition, like buying a special holiday ornament representing the events of the year - either personally or something from world events or special celebrations, like the Olympics or a World Series or Super Bowl-themed ornament.
  • Commercial Real Estate Due Diligence Guidelines - Commercial Properties-Inspection Guidelines When buying commercial properties, due diligence is even more important than it is with residential properties. That's simply because there's so much more money at stake. In the worst case, unexpected repairs and expenses can empty your pockets in the blink of an eye. At the other end of the scale, it can create a long-term and slow-motion drain on your bank account that ends up with the same result-money gone and a clunker property on your hands. I'm sure you can see my point-never, ever acquire a commercial property without closely checking its condition first. By doing that, you'll end up with an investment which can produce considerable profit and appreciation over the long-term.
  • Borers in GTA boring a hole in our wallets! - This is the approach taken by the City of Toronto in an effort to minimize the affects of the Emerald Ash Borer and the Asian Lon-Horned Beetle and over time to eradicate it. There are identified "Areas of Infestation" where affected trees cannot leave. Trees affected within this area must be removed and dumped at a designated dumping site within this "Area of Infestation." This approach is correct and the best that can be done given the situation. The problem with this system of control lies within the dumping of the debris itself. Costs to dump this affected debris cost $75.00 / ton for wood chips and $100.00 / ton for solid wood waste.
  • Resolving the Mortgage Crisis Without a Government Bailout - The reality of today's full-blown mortgage crisis is clear. Along with the growing certainty that the problem is substantial and virulent, a variety of plans attempting to find solutions is growing.
  • Advanced Sales Tips for Real Estate Agents During a Slow Market - It no longer takes just a license and knowledge of current laws and regulations to become a successful real estate agent. Considering the condition of the current market experiencing a downturn, we can't be sure it's even hit bottom yet. The good news is, people are still buying houses and they always will. Hard work will be needed to get the job done. A Savvy Real Estate Agent can compete in the current housing climate by locating buyers and focusing on giving them what they want. I'll share with you some advanced sales tips for generating a profitable year. Conduct buyer seminars. Offer to give informational (and free!
  • The Eight Essential Characteristics of Successful Real Estate Investors - As we all know, attitude is everything in any kind of business. There's the old saying "Attitude is altitude." In other words, the more positive your attitude, the higher you'll fly in your investment career. Now, that saying is definitely true, but it's also a little simplistic. Here's a plain fact: you can't simply think you'll succeed and then do so. Thinking has to be combined with action! You have to get in there and do the everyday spadework that finds and closes deals. So, a great attitude and the ability to take action are two primary characteristics of successful real estate investors. However, there are some additional characteristics you should know about. A few, lucky investor-entrepreneurs are born with them. Most of us, however, aren't. The good news is that we can learn them!
  • Real Estate Investment Trusts—A Long-Term Investment Strategy - Real estate investment trusts (REITs) are for-profit trusts established by Congress in 1960. Their purpose is to give small investors an opportunity to invest in large, income-producing properties. Stocks of many public REITs are available on major stock exchanges and offer investors an efficient way of investing in real estate. Each shareholder earns a pro-rata share of the REIT profits. There are also private-owned REITs which operate in much the same manner. Overall, these trusts are definitely a long-term investment strategy, but a good one for people who don't have the time or inclination to be full-time investors. Within the public and private REIT categories there are several types of trusts: Equity REITs. These trusts own and operate income-producing properties (e.g. shopping centers, apartments, office buildings, warehouses, hotels, etc.).

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