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  • 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. - About 87% of Americans aged 18 to 24 have completed high school with a diploma or an alternative credential such as a General Education Development certificate; -The school districts in the U.S. with the highest child poverty rates have $1,139 fewer state and local dollars to spend per student than the wealthiest districts;
  • 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.
  • 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. The fact is, however, that even for that kind of visit it might not be a bad idea, especially if you and the aunt live long enough. I'm talking about a travel bag from the Briggs & Riley Baseline Collection. Yes, it does sound a bit expensive when you compare it to prices at the discount stores. But, then you may want to consider some of the facts. Besides, at the end of this review I may tell you how to save enough money to pay for it.
  • 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.
  • 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? Inflatable boats were originally used in the Navy to haul cargo and missiles back and forth to larger ships.
  • 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.
  • Chocolate - Friend or Foe? - Life here at Fitness by Phone is never dull - not when you can write about the health benefits of chocolate! Like most of you I love chocolate, but did you know good chocolate is heart healthy plus has a host of other benefits? It was noticed in the 1600's that it reduced angina and heart pain... I am not talking about the run of the mill chocolate from Coles or Woolies here. Milk chocolate particularly is full of sugar, and often that is high fructose corn syrup, a known cause of health problems. And often too it is "Dutch' processed.
  • 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. Columbus moved to Spain, and initially met similar rejections from a Spanish royal commission.

  • Learn Chinese: The Key To Maintaining US Economic Competitiveness - China currently has a population of over 1.3 billion people. While English is still the most widely spoken language in the world it is hard to ignore the fact that learning Chinese is a key element for success in the future.
  • 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. It is at this point that many a budding entrepreneur comes unstuck. No matter how hard they try, failure seems to greet them at every turn. Of course, all seasoned entrepreneurs know that it takes a hell of a lot of determination and guile to keep on driving forward in the face of adversity. It also takes some expertise…practical knowledge that stacks the odds of success in their favor. Getting to grips with Joint Ventures One of the best routes to business success for entrepreneurs is establishing joint ventures.
  • 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.
  • 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.
  • 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";
  • 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!
  • 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.
  • 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." As you'll see later, buyers often have contingencies for mortgage financing, the sale of another property, appraisals and many other items. Contingencies exist for a very good reason;
  • 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. Find a buyer to lease it for a designated period of time and give them the option to buy that property when they come to the end of that time period. This strategy may also be known as "lease with option to buy". What's Involved?
  • 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.
  • 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.
  • 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 ...
  • 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! So, my advice is to study closely the information in this article. It can keep you on the path of profitability and save you considerable heartache. Categories of Liens As I said earlier, liens are a claim against a property. In general, there are two categories of liens—voluntary and involuntary.
  • 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 ...
  • 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. Let's assume that the unpaid balance of the loan is $140,000 but the house won't sell for more than $120,000. Obviously this is not an ideal scenario for the owner or for the lender.
  • 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. As a real estate investor, you can create your own private or closely held corporation by filing articles of incorporation and bylaws with the appropriate state agency. Requirements for incorporation will vary from state to state. The primary advantage (among others) is limited liability for share holders. Since the owners of a corporation actually own stock and not the real estate, the most shareholders can lose is their equity investment. The disadvantage of a corporation relates to initial expenses: It costs money to have an attorney draw up the organizational documents. There are also costs to cover extensive reporting requirements at state and federal levels for maintaining corporate status.
  • 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. General Partnerships In this setup, each partner possesses the right to fully participate in property management and operations. General partnerships have the following advantages: They're easy to set up and maintain. You don't have to register with your state and pay fees, as you do to establish a corporation or limited liability company (LLC). You can file income tax returns with relative ease. This is because a general partnership is normally a "pass through" tax entity.
  • 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. It's normally paid to the lender when you apply. It's usually non-refundable if you decide not to take 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.
  • 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. And Saul said to David, "You are not able to go against this Philistine to fight with him; for you are a youth, and he a man of war from his youth.
  • 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, ... I will perform against Eli all that I have spoken ... So Samuel grew, and the LORD was with him and let none of his words fall to the ground. And all Israel ... knew that Samuel had been established as a prophet of the LORD.
  • 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. Buyers First is fully RESPA compliant and is readily accepted by the traditional Real Estate community.
  • 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;
  • 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.
  • 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; and he shall begin to deliver Israel out of the hand of the Philistines.
  • 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.
  • 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.
  • 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.
  • 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 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.
  • 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.
  • Do You Know What's Going On Your Skin - How does your skin handle tanning (sometimes burning), chapping (or windburn), and other elements? Often dry tight skin is the result of the seasonal elements as well as normal bathing. Caring for your skin throughout the year is very important to the organ. Organic care of it gives it an added advantage since it is not attempting to fight off various man made pollutants from the various non organic cleansers, moisturizers, etc.
  • Guidelines for the Physical Inspection of Residential Properties - If there's one unbreakable law in real estate investment, it's always perform due diligence on any property you're considering. "Due diligence" is a common term for the evaluation of a property and its surrounding environment. This process has two purposes. One, you want to reduce or eliminate investment risk; in other words, you want to know exactly what's wrong (or right!) with a property before you sink any money into it. Two, you want to find "diamonds in the rough." These are houses that look like lumps of worthless coal on the surface, but once you get below that surface you find they shine like financial diamonds because they're structurally sound and a great investment bargain.
  • Deborah and Barak - Jabin king of Canaan.... The commander of his army was Sisera, ... had nine hundred chariots of iron, and for twenty years he had harshly oppressed the children of Israel. ... Deborah, a prophetess, ... sent and called for Barak ..., and said to him, "... the LORD God of Israel commanded, 'Go and deploy troops at Mount Tabor; take with you ten thousand men ... and against you I will deploy Sisera, the commander of Jabin's army, with his chariots and his multitude at the River Kishon; and I will deliver him into your hand'?
  • Gideon - Then the LORD ... said [to Gideon], "Go in this might of yours, and you shall save Israel from the hand of the Midianites. Have I not sent you?" So he said to Him, "O my Lord, how can I save Israel? Indeed my clan is the weakest in Manasseh, and I am the least in my father's house." So Gideon went in and prepared a young goat, and unleavened bread ... Then the Angel of the LORD put out the end of the staff that was in His hand, and touched the meat and the unleavened bread; and fire rose out of the rock and consumed the meat and the unleavened bread. And the Angel of the LORD departed out of his sight. (Judges 6:14,15,19,21, NKJV) ... the same night ...

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