Need Cash Fast?

Do you ever feel as though you?re drowning in payments? Have you extended your salary until there?s barely any left, in order to make your monthly obligations? Well, chances are you?re not alone. With the economy in a state of uncertainty, it?s difficult to plan from one day to the next with layoffs and job losses always a risk.

So why wait? Do something about those payments to help you plan for an emergency. If you are making high interest payments, chances are you may never see the proverbial end of the tunnel, especially if you only make your minimum monthly payment. And credit cards interest is at an all time high, considering so many people have incurred debt and have been unable to repay those obligations.

They have to make up the money some way, so they pass down the loss to the consumer in the form of even higher interest rates. But if you?re a homeowner, there is a solution. If you?ve owned your home long enough to have something built up called equity, you can actually get a quick loan for cash on your mortgage. That?s right. With a simple call to your mortgage broker and some minor paperwork, you can take out a loan (often referred to as a second mortgage) in exchange for cash to pay off all those high interest credit cards or other miscellaneous loans.

Sound like an easy solution? It can be, but remember you can?t borrow your way out of debt. The only way to become completely debt free is to pay off all balances. The second mortgage must be repaid. And as a rule, most consumers are advised to cut up their remaining plastic so the temptation is removed. Most financial advisors suggest having only one credit card with a minimal credit limit and ask their clients to pay off the balance every month. Be sure to check with your mortgage broker or financial advisor if you have any questions before signing your contracts and enjoy that left over money at the end of your month!

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Wyoming Mortgage What to Expect When Buying a Home in Wyoming

Maybe you?re buying your first home in Wyoming, or perhaps you?re relocating to Wyoming from another state. Either way, it?s important that you educate yourself on Wyoming home loans before shopping for a home and mortgage. This article explains what you?ll need to know before buying a home in Wyoming:

The median price of a home in Wyoming is $96,600. However, home prices can vary widely between Wyoming zip codes. Foe example, in Cheyenne, Wyoming, in the summer of 2005, median home prices were $221,000. Home appreciation rates in Wyoming are slightly below the national average; however, land value per acre in Wyoming is the lowest in the nation.

Wyoming is among the top ten states in the nation for job growth rates. Average interest rates in Wyoming are above the national average. The state of Wyoming does not regulate home radon levels. This means that home buyers must test for radon levels in the home they are purchasing and decide for themselves how much radon is acceptable in their home.

Wyoming law states that mortgage lenders must clearly disclose the terms and conditions of the loan to the borrower within three working days of granting the loan. Lenders cannot ask a borrower to pay any fee other than a loan cancellation fee before loan closing. Additionally, Wyoming law states that lender fees should be reasonable, customary, and should not affect a borrower?s interest.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Wyoming Mortgage Rates and Loans .

Exclusive Backgammon Accessories

Are you searching for the perfect gift that includes backgammon accessories? Backgammon accessories are a perfect gamers gift, for all occasions, for birthdays, holidays, even for graduations! In this guide, we want to tell you about some of the backgammon goodies you can purchase for the gamer you know and love most. Plus much more than you probably expect.

One of the favorite accessories a gamer will love is the entire backgammon set for the traveler, one that is hand held and which is electronic. While you will find various types of electronic backgammon our there, the best is going to be the game that has multi levels for those who are advanced in this game and need a little challenge. This makes a great accessory for their life because they can practice alone when on the go, or they can use their handheld to play multi player when on the go and traveling. Adults and children alike love this accessory.

Another great accessory for the backgammon lover is the personalized dice cup. This may or may not have the players name on the cup, but it could have a favorite scene, picture, date, or be a color or made from a type of material that the player loves to hold in their hand. Fabric covered cups, colored picture cups, or soft flexible dice cups are favorites. Most are at reasonable prices.

Great backgammon accessories include those that make the game portable. Leather carrying cases, hard board boxes so all the pieces never get lost, and then there are the accessories that personalize the game board.

Leather carrying cases make the game portable and lovely to look at. Leather comes in a variety of colors so you will be able to find one you enjoy. Hard leathers, soft leathers and leathers that are tinted in color.

Personalize the game board with letters or stickers that will adorn the playing board, or the carrying case of the player. You can find all types of stickers that accent the other interests of the game that you can use as accessories for the board. Laminating paper, stickers, and even glue can be used to create those perfect accessories that will make the gamers dreams come true so they never lose their game boards. Personalization makes for a deeper gratification from the gamer.

Dice are the other accessory you can purchase to complete your personalized backgammon set. Dice from glass, crystal, plastic, colored, or even that are filled with water are the dice that no one else is going to have! Every backgammon set has dice in the set, and the best types of backgammon gamers have a great set of dice to match their cups. Find a set of dice that are legal for the game, yet different from others to give you a great feel of the casino right in your own game.

? backgammonholygrail.com
About the Author

Cancer In An Instant Life Changed

Last week presidential candidate John Edwards stood next to his wife Elizabeth announcing she now has bone cancer. She stood by with a smile and confidence we have become accustomed to since 2004 when she faced and conquered breast cancer. She is preparing to undergo another medical protocol to stem the tide.

Ironically, only a week before my 30 year old friend, who has undergone 15 months of intense chemo protocols shared the same news. What is different for my friend is she did not get the respite from treatments she so anticipated.

Fifteen months ago, her doctor reported the diagnosis of an aggressive third stage breast cancer. A double mastectomy and chemo began immediately. Her intrepid spirit kept her facing each day. Managing her work and treatment schedule quietly and with precision, she hardly skipped a beat.

During her first round of chemotherapy, she endured hair loss wearing her favorite baseball cap. The doctors decided to start her on a second round of chemo with another experimental drug; keeping her every other week schedule hooked up to an IV via the permanent arm port. Her hair growth returned during this round, and miraculously she avoided extreme side effects by either treatment.

Three weeks ago, we celebrated the final round of the 15 months IV solution drip. She hoped for a respite from the schedule of treatment and doctor appointments. Maybe she and her husband could squeeze a real vacation in.

She was experiencing some lower back pain and protocol dictated to check it out.One more CAT and MRI scan were scheduled.

Along with her husband and extended family they endured waiting for results over a weekend that seemed longer than usual. Last Monday night she called to give me the news she received earlier in the day. Yes, spots on the bone in two places and on her liver. She would spend the next day in conference with the specialists.

Hanging up the phone after an hour an half together, I cried. I felt the feelings I remember after hearing the diagnosis of my late husband. The memories came back with an intensity I was surprised to experience.

I thought of her young husband who has managed his role as husband and support system to his wife of six years. He is a typical young man born and raised on a farm; hunting and fishing a passion; and a strong work ethic that together, this young couple, have built their dreams of home and family.

In an instant, life changed for them 15 months ago. Together, they lived their lives as normal as one can. Weekends at their cabin, family holidays, weddings, births, deaths, interspersed with the medical protocols became their life.

When we chatted, she spoke of her disappointment. The ?why? questions emerged. The ?what is next? questions take over. She talks about everything on her mind. For the first time I hear her say, ?If I don?t make it I want to make sure that?? She?s confronts her mortality with a depth that bespeaks her will power.

With an astuteness of a patient who knows the disease, she makes plans how to confront the next steps. First, she expects to go forward with the protocols presented. She sighs, ?I?m really tired of it all, but I?ve done pretty well without a lot of side effects.? It is the truth. She?s done well and she is tired of process. But she is not willing to give up. She has things to accomplish and she intends to do it.

We?ve talked about the process on several occasions. Some of her views are profound for this listener. She shares there are days when she wishes family and friends would not hover. There are times she feels smothered with too much attention. ?I need my space sometimes,? she says. ?I know they are so concerned and love me, but I wonder if they are more afraid than I am?? she says almost wistfully.

She admits she gets tired working part-time, but she needs it to help make life normal. ?I?m doing something for others,? she says. Since I work with her also part-time I attest to that fact. Her heart touches her challenged clients. She believes in them, sees their potential, and advocates relentlessly for them. What her clients see is a woman who has shared her disease and demonstrates to them, we are all challenged by something, but we can still achieve and do our best.

We share a laugh about how she is so organized and neat. Her husband has learned some of those skills as well. He now washes and folds clothes without any of the whites turning colors! Her goal now is to assure he can maintain the rudiments of housework. ?Someday, he may need to be able to do that,? she muses. Then she moves the conversation forward to decisions to make beginning her medical protocol.

I am inspired by this young woman who is my friend. I see her strength and her vulnerability at the same time. She doesn?t want pity or sympathy; rather, she asks for honesty, support and space for her to walk the unknown path of her journey.

What she does not need is hovering sympathy, platitudes, or trying to gloss over the reality of her process. Too often she finds herself protecting everyone else because she knows they are in denial. She knows they love her and she?s all to aware they don?t know what to do but over-protect her.

She will have good and bad days. She will laugh and she will cry. She needs the space to do both without our own fears emerging with uncomfortable by her discomfort. She needs to be held; and to be left alone. Without a doubt, she will tell us when she needs either one if given the space and permission for her honest feelings to emerge without denying they exist.

It is true, she is in for the fight of her life. But, I must remember she is living each day as it comes. We will continue to work together sharing our lives and experiences. We will laugh and share tears. Each day is a gift from God. Neither one of us knows the length of days we have been given.

She says to me, ?Life is short. I want to live it.? Yes, it is short and many are wasting their days not living it. But not my friend?she?s going to live.

?MCStrom 25-March-07 DCN Opinion Column

Maralene Strom is a speaker and author who teaches on topics dealing with grief and recovery;Issues of living life 50 & Beyond; Caregiving in extended care facilities, home care, and special needs; Communicating with Empathy & Compassion. Her website features some of the topics she speaks on with information to connect with her for tele-classes, workshops or speaking to groups, conferences, etc.---- let her help you discover your life's meaning as you journey now and into your future. Visit http://AdventuresInLivingsite.com to receive her newsletter.

RVUs Whose Value Is It Anyway?

As I discuss career options with a group of third year medical students, I imagine a marketing brochure for psychiatry residencies in a world of mental health parity:

The brain is undeniably the most complex organ of the human body. Treatments for diseases of the mind and brain require the intricate understanding of chemistry, physiology, and anatomy common to all branches of medicine, as well as the ability to step outside of oneself to objectively observe personality and emotion. The psychiatrist must tolerate the unsettling awareness of the mysterious relationship between mind and matter, and must help others find their own answers to the mysteries of the human condition. No wonder that the masters of medicine-those who work in the vast field of interventional psychiatry-are so valued by society.

The time has come for my transition from psychiatric residency to psychiatric practice. The prospect of six-figure incomes suggests reward, at last, for years of work and debt. For the employers, under the guarantee of income and benefits lies the expectation of productivity. This productivity is not measured by patient satisfaction, symptom improvement, or reduced morbidity. Rather the name of the game is the RVU, and the way to get more RVUs is to see more patients in whatever time is available. I am grateful for the opportunity to earn good money in the service of a challenging and rewarding career. But I am also aware of the striking difference between the salaries of psychiatrists and the salaries of many other physicians. As a former practitioner of one of medicine's more lucrative specialties, I find myself comparing my apparent value now with my value then. Why is my work now worth less than half as much as my work as an anesthesiologist?

At the end of a night in the crisis service last week I walked past a group of patients huddled in the cold, waiting for the doors of the walk-in clinic to open. As I looked at their tired faces, I realized the desperation they must feel to leave homes or homeless shelters at such a cold and early hour, and make the trek to the clinic by foot or by bus. Their pains were certainly as great as the pains of any of my patients presenting for surgery. But for some reason there is less outrage over their lack of care than would be the case for a group of patients with untreated diabetes, appendicitis, or heart disease standing outside a hospital. I realized that like many in society, I had unwittingly accepted the scene before me as adequate care for the mentally ill.

The RBRVS, or resource-based relative value scale, was instituted by Medicare in 1992 in an attempt to standardize payments for physician services. Relative value units, or RVU's, are assigned to physician services based on three main factors: physician work, practice expenses, and the cost of liability insurance. Physician work is determined by several factors including time required for the service, the technical skill and physical effort, the mental effort and judgment, and the amount of stress experienced by the physician due to the risk to the patient. To arrive at the ?fair value' of services, the number of relative value units is multiplied by a universal dollar value, and adjusted slightly for practice location according to regional cost of living indices.

In theory, this approach to payment provides a level playing field for physicians. Payments for a cholecystectomy, for example, reflect the fortitude one must have to cut into someone's body and the time required for surgery and postoperative care. Medicare strictly adheres to this formula, but in the world of private insurance some physicians' relative value units are more valuable than others. In my region, for example, Medicare has decided that the relative value of a unit of physician work is about $38. The largest third-party payer in the area will pay psychiatrists, pediatricians, or family physicians about $50 per value unit. But orthopedists and radiologists, or podiatrists providing orthopedic services, are paid $100 per value unit.

What accounts for the difference in payment? If not due to stress, physical or mental effort, risk, technical proficiency, or practice cost, where does the difference come from? Certainly not from supply and demand, as in my area it is much easier to see an orthopedist this week than to see a psychiatrist within the next month. Does the lower reimbursement reflect decades of poor negotiating? Are psychiatrists more likely to succumb to modesty and self-effacement? Do psychiatrists have so great a level of job satisfaction that they don't worry about money? I wonder if the difference reflects a much larger problem-- that psychiatrists have bought into a societal impression that mental health is less valuable than physical health.

Support for this last concern can be found when one looks at the funding of mental health services in general, and the tacit acceptance of the funding situation by psychiatrists and other mental health caregivers. My insurer is required by statute to provide coverage for mental health services up to about $2000 per year. On the other hand, there is no limit on payment for orthopedic injuries. The insured alcoholic is covered for the $1800 surgeon's fee for a fractured kneecap- and more for the incidental hospital bill and the bills for physical therapy. If the alcoholic strikes his head, the radiologist receives $1200 to look at the MRI. And if he abruptly stops drinking for a week, the hospital is paid tens of thousands of dollars to help him through withdrawal-- only to turn him out to drink again. Yet to treat the primary alcoholism, the insurer will pay?$2000. And if the patient has spent $2000 for treatment of depression earlier in the year, the insurer will continue to pay for kneecap fractures and MRIs, but not for treatment of the underlying cause of these injuries-alcoholism. And other comparisons are equally dramatic. My insurer will pay $70,000 or more for cardiac bypass to reduce a person's risk of a heart attack, but only $2000 per year for treatment of the same person's depression, to reduce risk of suicide. The narcotic addict is allowed $2000 for treatment of heroin addiction, vs. hundreds of thousands of dollars for a secondary HIV infection.

The relatively low payments received by psychiatrists can be blamed to some extent on psychiatrists themselves. They accept their own devaluation when they sign for lower salaries or when they accept limitations on their ability to practice psychotherapy. They allow administrators and others without medical training to dictate treatment plans. I am reminded of the late 1980's when anesthesia was becoming perceived as a technical trade, and was challenged by the expanding statutory roles of nurse anesthetists. Rather than narrowing anesthesiology, the answer to devaluation was found by moving into critical care and pain medicine and asserting the roles of anesthesiologists as physicians. Similarly, cardiologists did themselves and their patients well when they laid claim to angioplasty, and called themselves ?interventional'. The new technology brought public respect and money, which then yielded an explosion of new treatments. I don't know what the parallel path for psychiatrists will be, but it is vital that as insights develop into brain function, psychiatrists lay claim to them, grasp them, and never let them go. There is nothing like a brain procedure to grab society's interest and respect. In fact, I posit that the simple adoption of the term ?Interventional Psychiatry' would increase the funding of psychiatrists and psychiatric research by 20%.

The low priority of mental health services to society is, of course, a complex issue. Stigma, lack of lobbying resources, and denial of the impact of mental illness certainly play roles in the lack of public interest and investment in mental health. Resources are thin for the unemployed and uninsured mentally ill, and the field of psychiatry deserves kudos for attempting to meet the needs of this population in return for little financial gain. But for patients with resources, we must recognize and advocate that mental health care is as important as treatment for a torn ACL, and deserves equitable reimbursement. The abilities to laugh, to work, and to love are as vital as the ability to return to beach volleyball. Psychiatrists must realize that at some point, expectations of relatively low reimbursements and medical standing become self-fulfilling prophecies, as our society tends to value those most who value themselves. The correction of societal bias and the resultant devaluation of our services will require constant efforts to educate, negotiate, and assert the value of mental health care in a healthy society. And psychiatrists, as the voices, faces, and business representatives of mental health, will raise the status and treatment of their patients as they work to raise the scientific, and yes, economic, status of themselves as physicians.

The author, Jeffrey T. Junig MD, PhD, has worked as an anesthesiologist, as a pain specialist, and as a psychiatrist. He teaches medical students and medical residents, and has written a number of scientific and educational articles. He enjoys consulting for businesses, legal firms, and individuals to translate medical records and jargon into usable information. He can be reached through his web site at http://explainmedical.com

Looking Back on Volvo's Safety Innovation

Dressing Baby For Winter

Dressing Baby For Winter

by: Bruce
Hughbanks

Copyright 2005, Bruce Hughbanks, Founder / Director / CEO -
The Employment Alternative Group

Dressing Baby For Winter



Dressing a baby for winter can be a chore and a challenge. The little ones do feel changes in temperature far more keenly than adults, so it's important to keep them warm - without overheating their little bodies. Don't think just because you've picked up a nice snowsuit or bunting that your baby has all the clothes he needs for winter. What should the well-dessed winter baby be wearing?



The key concept in dressing babies for winter weather is layers. Several thin layers will keep baby far warmer than one bulky snowsuit - and make him feel far less like a stuffed sausage. In addition, you can regulate his body temperature by stripping off and putting on layers, or unzipping outer layers when you step inside. More specifically:



Onesies or footed cotton stretchies are the best inner layer for a winter outfit. The close fit helps keep body warmth in, and the one piece construction avoids drafts. Socks are important, especially if you choose a onesie instead of footed stretchies. Put them on before you put on pants so that they tuck inside pant legs.



Sweatshirts are prone to riding up and baring belly and back at the waist, and elastic waist sweatpants do the same in the opposite direction. Sweatsuits may be adorable on little ones, but a one-piece heavyweight jersey or fleece jumpsuit is a better choice for cold days. No gaps in coverage to let the cold in.



Sweaters are a must for babies and toddlers as well - and not just for winter. They're great for slipping on over clothing on cool spring and autumn evenings. If you pick a couple of nice, oversize ones with hoods, they'll do a nice job of substituting for a winter bunting as long as you've bundled up nice and snug underneath it.



While you're bundling, don't assume that a hood is all the head-covering baby needs. We lose up to 40% of our body heat through the top of our heads, and a loose hood can't keep it all in. Make sure you tuck a nice snug cap under the hood - and pick a hood or cap with a face guard if you'll have baby out in temperatures below freezing for more than short trips back and forth to the car. Tender skin gets frostbitten far too easily.



Make sure you cover up little fingers too - don't trust to overlong sleeves. Little mittens, whether knitted or the built-in snowsuit mitts are vital. As far as snowsuits go, until the baby is up and walking, stick with bunting style snowsuits. They give the baby room to move his legs around, which will add to YOUR comfort on long car and stroller rides by reducing fussing. Shop around for a bunting with a safety-strap slot to feed car seat and stroller buckles through. Never compromise safety for warmth, not when you can have both. And speaking of car seats, adjust car seat straps and buckles to fit snugly without binding - and be sure to readjust when you pop in the baby sans bulky snowsuit.

About The Author

Bruce
Hughbanks is Dedicated to helping others World Wide.
Contributed to the Advancement of Self Improvement, Sefl Motivation,
and Success. Build First a Stong Foundation.
http://www.Hughbanks.com
(Another TeagINC
Network Production)

Friends and Family Should be Priority!

Experience True Freedom! The Employment Alternative Group

http://www.TheEmploymentAlternativeGroup.com

Are You Really a Seller

Many people who have their homes for sale are not really sellers.. that is people who are motivated to sell. Many of todays sellers only want to sell if they get their price which may or may not be very realistic. Sellers are having a hard time accepting that the market has changed and the party is over. As these people either leave the market or get serious about selling prices appear to be falling more then they actually are. Homes priced on expectations not market value will not sell in today's market. If a home's value is $1,000,000 and it is listed at $1,500,000 then reduced to $1,100,000 it may appear as though the price has been drastically reduced when in reality it has not even reached the real market value.

If you really want to sell your home here are a few tips :

*Make Sure it Shows Well.. Clear out clutter, paint, put in new carpet or flooring. A few years ago you could get away with getting top dollar for a fixer. Today's buyer wants it in good shape or deeply discounted.

*Curb Appeal.. Re-plant flower beds, add pots of flowers, re-sod if necessary and paint the exterior. Most buyers make a large part of their home buying decision basedon the exterior of the property.

* Price It Right! That doesn't mean giving away the property but it does mean not overpricing. Zillow doesn't know your market so don't base your price on an online site that is getting money from someone other then you. Look carefully at the COMPS from your agent. A local agent knows the market and true market value.

* Marketing: Make sure your home is marketed in places other then the local papers. 75% of buyers start their search on the internet. You need to be there. If your agent is not marketing your property on the net you are losing access to a lot of potential buyers.

*Patience: Buyers are taking their time to purchase. Be ready to have your home on the market for 2-6 months. Entry level and premium priced A location homes sell quicker then those in the mid-level range.

Remember people are always buying and selling real estate. They get married or divorced, have babies or become empty nesters, retire or find new jobs. The market is always moving... it just moves to a different beat from time to time.

Kaye Thomas is a UCLA graduate and has been selling real estate in Manhattan Beach Ca since 1979. Kaye works with buyers and sellers and specializes in residential and small residential income property in the South Bay Beach Cities of Los Angeles county. For more information on buying or selling visit Kaye at www.KayeThomas4homes.com or www.Move2ManhattanBeach.com or read her BLOG at www.BeachCityRealEstateInfo.blogspot.com You can e-mail Kaye with questions at: kaye@kayethomas4homes.com

Is Your Child Safety Seat Properly Installed?

Most adults would answer yes, but the reality is that this is typically not the case.

The first step is to purchase the best seat available, but with so many choices of safety seats for babies and young children, how do you determine which is the best one to buy?

Of course you want to select a seat based on the quality of the construction, but there are other things to look for. First, make sure the seat meets Federal Motor Vehicle Safety Standards*. Also make sure that the seat hasn't been recalled. You can check this out by going to the Consumer Product Safety Commission's web site. Be sure to register your new car seat with the manufacturer, so you'll be notified of any future recalls. Also, purchase a seat that includes a LATCH system, which anchors the seat more securely than is often possible with current safety belts.

Once you purchase the car seat, the most important thing is to learn the proper way to install it in your vehicles. Statistics indicate that more than 80% of all child safety seats are not installed correctly. This is mind boggling! Your child's life is at stake, so read the instructions carefully and follow them exactly.

The seat you select should fit a number of vehicles and be easy to use. Obviously, if you have more than one vehicle the seat should fit each one according to the manufacturer's instructions.

The most common problem when installing car seats is that they aren't tight enough. When tightened properly, the seat shouldn't move freely.

For a rear-facing safety seat, it should not easily slide more than about an inch. To check this, grasp the seat near the belt path on both sides and try to pull it away from the vehicle seat and also test the movement from side to side. Next, push the top edge downward toward the floor of the car. The vehicle seat cushion may give, but the safety seat should remain firmly in place and the back of the seat should stay at approximately the same angle (reclined about halfway back). It's normal - and okay - if the top of the seat can be pushed toward the rear of the car and if it swivels from side to side when gripped at the top edge. If the belt is tight but the seat isn't secure, try another seating position or a different safety seat altogether.

For a forward-facing safety seat with a harness, use a top tether for a more secure installation. First, install the seat using the vehicle belt or lower latch attachments but without attaching the top tether. To test the seat, grasp it at the belt path and pull it forward and side to side. Then grip the top and test the same movements. If it can easily move more than an inch forward or to the side, try another seating position that also includes a tether anchor. Using the best lower installation (vehicle belt or latch), attach and tighten the top tether. If your vehicle doesn't have a tether or anchor, either purchase a different safety seat or order a tether kit from the safety seat manufacturer. The kits are available for most vehicles made since 1989 and for many back to the late 1970s.

One helpful hint for initial installation is to place both of your knees inside the safety seat so you can gain enough leverage to properly tighten the seat. Some cars require a special metal locking clip, which should ideally be located as close as possible to the seat belt's buckle.

Always restrain your children in the rear seat of your vehicle, especially if it's equipped with a passenger-side air bag.

Booster seats are a must for children who have outgrown their child safety seat but are too small for regular vehicle seat belts. These are typically three to six-year olds who weigh between 40 and 80 pounds and are up to 4 feet 9 inches tall. If your child's weight has exceeded the recommended range for a forward-facing safety seat, make sure your child's knees reach the end of that seat and that their legs hang straight down before graduating to a booster seat.

Be cautious about purchasing a seat at a garage sale or using a 'hand-me-down' - particularly if the instructions aren't included. Never use a seat that's more than six years old.

*Visit American Academy of Pediatrics for an annual car safety seat guide that includes a list of the seats that meet the Federal Motor Vehicle Safety Standards.

For other great resources for parents, child-safe rocking chairs and rocking horses plus many other terrific gift items visit WelcomeBabyGifts.com.

About the Author

Janet Winter is a web designer, travel agent, and writer on many topics. She delights in providing great resources for parents and unique gifts for newborns, toddlers and baby showers at WelcomeBabyGifts.com. Please visit her other online stores: WildBirdGoodies.com and APampered Dog.com

Outdoor Wedding? Ask The Church First!

Reasonable Request?
Recently a Greek synod banned outdoor weddings, citing that weddings held outside of a church lose their holiness. The leaders saw a trend of people talking on their phones, laughing, smoking, and even chewing gum during what was to be a holy ceremony, and they felt that those behaviors would not be seen in the confines of a church.

Raising Questions
The ruling brings up many questions for potential brides and grooms. The first of which is to know what your religious requirements may be before you start planning your wedding. Some other churches may frown on outdoor weddings, requiring that the ceremony be held in a house of worship. Other faiths may not have rules like that at all.

Requirements
Also, some religions and churches have certain requirements that need to be met before a wedding can be held there. Some churches require pre-marital counseling. Other churches may not marry a couple if they are not both members of a specific church. Still, others may only require that one member of the couple be of that specific faith.

And Considerations
The other consideration is that guests may not know proper etiquette when in a house of worship or at a religious ceremony held outdoors. While most of the behaviors that disturbed the leaders of the Greek synod are unacceptable no matter what faith the couple may have, the couple may want to take certain precautions to keep disturbances to a minimum.

The usher is a great tool in offering people alternatives. For instance, if a parent shows up with an infant the usher can point out a ?crying baby? area while seating the parent. This way the parent knows where to go if the baby starts crying, and then there will be few angry stares.

While every faith is different, there are a lot of things to consider when planning a religious-based ceremony. Be sure to know what you want and what the house of worship expects as you plan your wedding.

About the Author:

Chris Morton ran hotels and restaurants for 17 years - catering for 100's of weddings. His wife Sue is a wedding planner with 10 year's experience. Together they have established http://www.TheWeddingWizards.com to provide unbiased help for brides and grooms.

2006 Chevrolet Trailblazer SS Plus the Chevrolet Performance and Aftermarket Parts

What to Expect on the Jeep Trailhawk Production Model

Car fans across the world, especially those who are interested and starving for a new off-road vehicle are waiting for the production model of Chrysler Group's latest on- and off-road concept, the Jeep Trailhawk.

Unveiled at the 2007 North American International Auto Show (NAIAS) early in January, the Jeep Trailhawk concept merges the spectrum of the Jeep brand by combining the core off-road features of the new body-on-frame four-door Jeep Wrangler Unlimited with the refined sophistication of an all-new on-road open-air concept vehicle, providing a unique and fresh expression for Jeep, according to the Auburn Hills-based automaker.

Chrysler Group released the full details of the Jeep Trailhawk concept at NAIAS. Customers should expect the technical specs and features describe at the show to be installed on the production model of the vehicle. Chrysler Group did not release the exact time frame for the production version though.

The overall appearance of the Jeep Trailhawk concept embodies the traditional Jeep classic style along with new design cues like the open top roof resembling roof styling found on convertible coupe models. The Trailhawk concept features a bold and aggressive exterior body and has a long 116-inch wheelbase. Other exterior features include, stretched fender flares, tall trapezoidal vent, HID projector beam quad lamps, cross-car instrument panel, signature seven-slot Jeep grille, LED park and turn signals, four cup holders, sliding Jeep Load ?N Go cargo tray drop-down tailgate, and large 22-inch five-spoke wheels. The left and right lamps show the eyes of a bird of prey, that is why the designers called the vehicle Trailhawk.

The Jeep Trailhawk comes with interior space for four passengers with premium leather seats. The two-tone leather-wrapped aluminum steering wheel offers an exciting driving feel wheter it is on- or off-road. Other interior features of the Jeep Trailhawk concept include steering wheel mounted switches and controls, remote control fold-away flat screen navigation unit, two front and rear armrest, storage bin modules, and a premium audio system with MP3 capability.

On the technical side, customers should expect a 3.0-liter BLUETEC CRD engine under the hood of the Jeep Trailhawk. The engine pumps out 215 hp at 4,000 rpm produces 376 lb.-ft. amount of peak torque at 1,600-2,800 rpm. To cool off the engine, a radiator with Jeep fan shroud will be included. The engine is coupled with a 5-speed automatic gearbox to power the four-wheel-drive (4WD) drivetrain configuration of the Trailhawk concept. Suspension parts come with a front axle with 4 bar links, and rear axle with 5-bar links.

You should expect these specs and features on the production model of Jeep Trailhawk when it rolls out anytime soon.

For more detail about your Jeep fan shroud needs kindly check your source online..

Lisa Ziegler is a 29-year old native of Waldport, Oregon and is currently working as a senior research analyst in a top Automotive Research Consultancy firm.

A Dr Ken Evoys Getting Started Action Guide. Review

A Dr Ken Evoys Getting Started Action Guide. Review
By George Rusky
Prague-2005

Dear Reader,
I want to start with the purpose of the e-book Get Started Action Guide

The goal of this 128 pages book is not stated by the writer either in the introduction or in any other part of the Guide.

Unusual?

Theres here is a special reason for that: Getting started Action Guide is not written for all!

The book is a start line for only those who joined the 5 Pillar Affiliate Program.
A free gift! A privilege for chosen!

For the rest of the readers, the book is not available, even for money!
(If I hadnt joined the ranks of 5 Pillar Affiliate Program, I would have never known about that this wonder-book existed :-) )

Now I exactly know, that the Guide was written: To get off to a FAST and Organized affiliate start.

In his welcome e-mail to new affiliates Ken writes: To really ORGANIZE your 5 Pillar Business, please print thise-mail and keep it in a 3-ring binder.

But don't close that binder just yet... :-) Add a printed copy of the Getting Started Action Guide aswell. Our very best cream-of-the-crop strategies are allbundled together for personal one-stop value-packed reading.(Downloading details will follow.)Your binder is your blueprint for success. Refer to itoften -- especially, each time a new product is launched
(Dr Ken Evoys welcome message sent to me 1.9.2004)

The next set of goals is explained in the Read me first documents that introduces new affiliates to the Guide:

The Getting Started Action Guide is your personal road map
to success. Everything you need to know about building a
profitable affiliate business is included in the Guide - in
an easy-to-read, easy-to-follow pdf. format.


Let me repeat the main goal of the Guide:

An affiliate is given a personal road map to success

Based on years of his and others experiences with affiliate programs, the author produced the manual that sponged the most usable push-ups for 5 Pillar Program Affiliates.

Educating affiliates, preparing them for grasping the elements of making money with the program, developing the affiliate business, Ken Evoy sees as the crucial task of the book.

By the way, the author doesnt invent any passwords, any codes to protect Getting Started Action Guide from those affiliates who join the program just for getting the access to the Guide and other amazingly richly written unique affiliate sources, such as Affiliate Manual, Affiliate Masters Courses, and the like

Of course you may say: Who is, actually Dr Ken Evoy and why should we believe him more than anyone else?!
Find the answer under the closing notes of the review.

The Contents of the Guide.

Part One.

Dr Evoy treats his affiliates as partners-in-sales and therefore provides everything his business partners will ever need to launch their affiliate business.

The First chapter is dedicated to the products of the company SiteSell, the Brand.
The author believes that knowing the products you sell is the only possibility to lead a potential client to the purchase, to help her to pay for the product.
A short list of products benefits occupies the first chapter of the Guide.

I personally agree with this approach: Ive always been able to convince my listeners to do something I liked doing.

Here, at this stage, the author doesnt overwhelm the readers with the detailed information about the products, some main lines for general orientation.

I can agree with that too. Every product has its description on the companys site, anyway.

The 5 Pillar Program itself is the product. The chapter four gives the basic model for the 5 Pillar Program.

A few words should be said about the system of calculating commissions.
Full of acronyms, like CoTTE (Stands for Commission on Total Team Earnings,) RPSC (Repeat-Purchase Sales Commission,) and the like, do not make a fresh affiliates life easier, at first, it needs time for understanding and training, but with money its always just that :-)

Fifth Chapter is about the 5 Pillar Club Web Site

The Club is the real place where everything for affiliate business is on the plate with the blue border.

Im not going to numerate the long list of the tools and strategies awaited there. Its something that just must be seen.

The last word about this chapter: the writer takes the responsibility to send you weekly
The Five Pillar Affiliate Report.

80-20 Guide is the title of the 6th chapter.

This is the chapter-guide to the very best traffic-building, business-growing ideas and strategies for PREselling SiteSell products
The first time in the book, Ken states the biggest mistake that affiliates make. The most tragic misunderstanding of the affiliate concept: ignoring the basic platform of Preselling Your Merchants Products, the pivotal philosophy of the affiliate business.
Those readers who have never heard about Preselling and try to earn a good living with affiliate business are simply doomed to fail.

My recommendation right away:
Stop Everything and grasp the copy of Getting Started Action Guide as soon as you can, unless it is too late.

I have to admit, that Ken provides some links to various sources with relevant information, which, I guess, makes it hard to read line after line, jumping from one site to the other.
But, again, its my experience.



6.2 Part II Get Set

Nine Steps of the Successful affiliate. Pages 59-66. Read - Do module.


When I start working with affiliates who are confused with the wealth of affiliating-related sources, I always recommend them to stop and come back to the basics: Getting Started Action Guide.
This book is not a report of historical events of the first decade of the nineteenth century in the southern Bohemia.
This manual is not for reading!
Its for doing
With pointing finger on a Step One: Convert by PREselling
Read what to do and ask yourself: Am I going to do it? or Have I done it jet?
Yes? Great. Tick.
Step Two: Checklist Know Yourself, Your Products, Your Target
Have I checked that jet? and so forth, all nine steps.


Chapter 6.3 Part Three

On 25 pages are introduced 14 strategies, the essence of building rocket-launch affiliate long-run business.
This part is pictured with the perspective of dynamically developed teamed cooperation of affiliates-the foundation of stable growing constantly money making organism.

At the same time, I must admit that a reader with elementary knowledge of business basics and affiliate one in particular, can get easily lost.
Kens philosophy of Information-Information-Information over-delivering may lead to the opposite effect: a future affiliate magnate will never become one.
Lost and never found in the ocean of Information.

More and more often I bump into the question of how to decide whose guruing to follow.
So, dear readers, be prepared to get over-delivered.
But, if you are well-organized, well-trained to arrange your doing progress, Get Starting Action Guide is your choice.

A special section is devoted to Frequently Asked Questions, a friendly dialogue between affiliates and the author of 5 Pillar Affiliate Program.

A conclusion of the Author, or as he wrote, the Wrap-Up

Ken writes: Well, that just about it. Everything you need to succeed with your 5 Pillar Affiliate Business is contained with in

First, when I read that for the first time I begged: Sorry Ken for interrupting. Its just theory. Bare theory.
Who will inspire, motivate, even force me to do all you have numerated in Get Starting Action Guide?!

All you have to do, continues Ken, is get started. Once you do SOMEthing, whatever appeals to you most, DOING becomes easier and easierand income becomes bigger and bigger

Well, guys, isnt it the right time we got started?

Conclusion of the author of the Review.

The significance of the Getting started Guide is difficult to overestimate.
Experts of affiliate business (when you go to join the 5 Pillar Affiliate, see link below,) unanimously accepted the uniqueness of the material.
If I could vote for the only one training manual for affiliate business, I would stop my eye on this book.
Getting Started Action Guide is the first book in the series of affiliate materials written by Dr Ken Evoy.
The next one is called 5 Pillar Manual. The amazing trio crowns The Affiliate Masters Course.

George Rusky
www.worldsbest-affiliate-program.com
georgerusky@worldsbest-affiliate-program.com

P.S. All information about Ken Evoy and his 5 Pillar Program
You may find when you click on the web site above
or send me an e-mail.




About the author:
George Rusky, a resident of Prague, the Czech Republic 27 years of experience n the area of education and consulting affiliate coach for the owners of small businesses

How To Buy The Right Seat Cover For Your Car

For many people, cars lack personality. One of the most cost effective ways to add some pizzazz to you car, without any permanent damage or high costs, is to fit it with some funky (or not) seat covers. These are available in a wide variety of styles, colors and price options. There will surly be something for not only your vehicle, but your sense of style as well. Before you head out shopping for the perfect seat cover, check out these valuable tips.

Pay close attention to the type of material that the covers are made of. Ideally, you are looking for something that is machine washable, stain and water repellent, something that is tough and durable, these will be used everyday. There is a large variety of materials that are used for seat covers and they all have their own advantages. For example, sheepskin keeps a steady temperature in the cold and heat alike, making it ideal for most climates. While canvas, Cordoba and tweed are known for quality and durability.

If, after shopping around, you still are unable to find just the right cover in just the right material and pattern, consider getting it custom made. Custom-made seat covers are available from many upholstery shops as well as from many online stores. Buying custom-made seat covers allows you to get a seat cover that not only fits your seat, but also your personality.

Now that you know the type of cover you are looking for, its time to think about price. Seat covers for your car are just like most other things in life quality will cost more. A high quality seat cover will be more expensive, but it will not shift around on the seat or wear out quickly. However, there is something to be said for buying a less expensive seat cover. If you are the type of person who likes to change their environment, then purchasing a cheaper cover that will be replaced rather quickly is probably a good idea for you.

The most important thing to remember when shopping for seat covers is to know the exact make and model of your car. I know this sounds obvious, but without the exact specifications, you could end up with the perfect seat covers that are completely wrong for your car. You will need to know what type of seats you have, if it is a bench seat, is there a split? Pay attention to what type of headrest your seats are made with; are they bucket seats or captains' chairs? All of these differences will have an impact on what seat cover is the right one for your vehicle.

By: John Manci

Strut Mount Bushing: Key to Volvo Drive Comfort and Performance

Swedish automaker Volvo is one of the industry movers able to start the about-face from the blast-and-cast school of sports wagon manufacturing. Making room for passenger comfort in performance vehicles, Volvo cars feature an integrated suspension setting that boasts of a best-in-class drivability. Composed of a number of STRUT tower braces and STRUT links, the Volvo suspension assembly is incorporated to the car chassis, which facilitates even weight transfer along the car suspension. With the Volvo STRUTS all braced up for chassis flex during high-speed turns, the Volvo frame is strengthened and makes the car resistant against body roll.

The Volvo STRUT tower brace unifies the car?s STRUTS and sway bars. Collectively, these bars and towers form a frame within the car frame and absorb chassis flex, sparing the car cabin from excessive roll especially during hard cornering. Newer Volvo models come stock-fitted with a STRUT tower brace. Older Volvos can have their suspension setting unified with a simple drill-and-bolt procedure. Because the front suspension turns left and right during steering, front STRUTS are mounted and require no drilling, while rear struts are drilled on to the car chassis.

Volvo rear and front STRUTS are designed to take the brunt of chassis flex. They are steel braces built for durability and can even be reused. They are mounted on heavy-duty chrome shaft MOUNTS to withstand stress. Front STRUT MOUNTS, however, need to have pivot points to allow the front wheels to steer. STRUT MOUNTS at the head of the Volvo suspension assembly have rubber joints with BUSHINGS and bearings to provide a flexible coupling. Front STRUTS with a rubber coupling are used on compact Volvos that have a McPherson STRUT assembly. This type of STRUTS can also be used on the rear end of the car if it is capable of a four-wheel drive. In most cases, fixed chrome shafts are used on rear STRUTS to make the car better equipped against chassis flex.

When the Volvo hug curves, stress is absorbed by the STRUTS and flows down the mounting points. The chrome shafts of the rear STRUT MOUNTS dampen the stress, while the rubber portion of the front STRUT MOUNTS are susceptible to wear out its BUSHINGS and bearings in the face of chassis flex. While the shaft MOUNTS can accommodate the rerouted chassis flex, the BUSHINGS and bearings can give in and reduce the flexibility of the pivot points. On account of the usual stress that the Volvo front STRUT braces meet, STRUT MOUNT BUSHINGS and bearings are suspension assembly parts that necessitate regular maintenance.

A worn out STRUT MOUNT BUSHING can make steering hard and negate the cabin comfort that the Volvo suspension provides. It results in erratic steering and makes a creaking and popping noise. Even at cruise speed, a busted MOUNT can rear its ugly head in the form of excessive play in the suspension. This can break the rubber portion of the MOUNT and snowball into disproportionate bounce and front STRUT collapse. In most cases, the creaking noise precedes the erratic steering, and is one way to tell if the Volvo STRUT MOUNT BUSHING has gone past its peak performance.

John Garrett is an automobile mechanic who knows every crook and cranny of his truck. He's also a vintage car enthusiast , and he's dedicated to fixing and restoring them. He is a motorist who believes in continuous research and improvement. Understand more about Volvo Strut Mount Bushing

Game Cheats And How You Can Use Them Without Feelig Bad

Learn Proper Backgammon Board Setup

If you have ever played checkers, then you can learn to play the game backgammon. Backgammon is very similar to the checkers. It is basically the same concept, only with a little twist. Backgammon boards set up is easy and takes little or no time at all. You can have a backgammon board set up in a matter of minutes.

The set up for backgammon is easy. The board and the game pieces usually come together in the box. If you are someone who has been playing backgammon for a long time, then you may already have your very own board and game pieces.

The boards are found in any department or game store. They can be bought for little money and make awesome gifts for any child or adult. Both adult and child will probably enjoy the games.

To set up the board, you have to take it out of the box and place it on a table or flat surface. There should also be thirty game pieces of two different colors. Take them out and divide them by color to each of the players. These will be known as your game pieces or checkers.

Along with the game is a pair of dice. These dice are used to determine the number of moves each player can make with their game pieces. Each player will take turns rolling the dice and moving to the opposite end of the board.

The object of the game then is to get all fifteen of your players to the home board and the off the board completely. The first player to achieve this is considered the winner of the game.

The board set up is fun and easy and the clean up is even faster. You can even play this game on the go. You can have fun and excitement playing this game wherever and when ever you want. The travel boards are the same only smaller and come in a compact case. This makes it easier to keep all the pieces and board in one place so that they do not become lost. You can keep these in the car or in the office for safekeeping. For sure mom will know where to keep the games.

If you do not want the typical cardboard board, then you may decide to make your own board. You can do this with wood or plastic or any other lasting material. If you are an avid player of the game, this may be the right idea for you so that the board does not get worn out too quickly.

? backgammonholygrail.com
About the Author

Marketing to Realtors: Create a Power Position in Your Marketing Efforts

Every day a real estate agent receives several marketing attempts from loan officers. In fact, this information comes in a steady, unrelenting stream. It is no wonder agents have become adept at tuning out the static of these marketing attempts.

Your challenge is to find a way to differentiate yourself from all the buzz of other loan officers. You do so by establishing your marketing position.

Your marketing position is what defines your business. Take a moment to browse your competition websites. Does their marketing position look identical to yours? If it were not for their logo on the top of the page, could it basically be your website?

If the answer is yes, your marketing position is too close to that of your competition. You are competing with them for a place in your prospects mind, and chances are you are not winning the battle for first place.

Take a look at your business and what can you offer that nobody else is doing? If you feel stymied by how you could possible differentiate yourself from your competition, think about a couple of examples of businesses that have done a remarkable job of creating a marketing position.

Federal Express is a great example. They started a business with a position no other shipper occupied. They advertised was when it absolutely, positively has to be there overnight, they were there to do it.

Dominoes Pizza started their business by emphasizing that they would delivery a pizza within 30 minutes of the order, or the pizza was free.

Southwest Airlines have marketed themselves as the low-fare airline.

What special skill or niche could you develop and use in your marketing materials and what can you use to set yourself apart from your competition? When your services are similar to another loan officer, real estate agents will look for ways to differentiate.

The more your services are scrutinized for differences, the more important it is to give details about how you are different. You need to accentuate those details.

Prices and rates are not necessarily the kind of difference that gets you noticed. In fact, most often it merely gets you into a bidding war. You should instead find an unexplored niche and specialize your services around it.

You can develop a unique niche within a product line like HUD, ARMs or Jumbo Loan expert.

You can develop a niche around details of the process for example, loan approvals within an hour (or less), loans that close 5 days ahead of COE, daily email updates to agents.

You can position yourself around gender, ethnicity, geography or another demographic, specializing in exclusively serving the Hispanic community, single professionals, Town & Country Ranch, etc.

Spend some time thinking about what makes you and your business unique and then market to that position.

Jeff Nelson helps loan officers increase loan originations by attracting quality relationships with real estate agents from the development of customized relationship-building strategies.

Click here to get a free copy of the Marketing Planning Guide, a 20-page workbook designed to help you outline a strategy to become an Agent Magnet.

Visit us at http://www.loan-officer-marketing.com

Buyer Beware of Excessive Home Improvements

When shopping for a home, many buyers view improvements to properties as positive sign. In general, this is logical but a buyer must be careful.

A time-tested approach to making money in real estate is to buy a home, make improvements to it and then reap the appreciation gain when you resell the home. While this approach has certainly worked for many, it can lead to disastrous results for seller and unwary buyers.

When a person purchases a home, they buy it for both the current appearance and their vision of how they can improve it. The improvement vision tends to be an emotional decision, one that can lead to financial problems. While improvements area a good idea, most people do not take the time to evaluate how much they can spend on improvements and still make a profit on the resale of the property. Instead, they overspend on improvements and then realize the comparable homes in the neighborhood will not support a price that recoups the cost of improvements.

For instance, the seller may put $100,000 into new bathrooms and kitchen accessories only to realize the appreciation from such improvements is $50,000. In an effort to resolve this issue, the seller will list with a high price and is usually not particularly motivated to lower that price in negotiations until the property has sat on the market for some time.

As a buyer, you have to be very careful when considering the purchase of such homes. These homes will almost always be priced at the top of the market. While they may look nicer than any other home in the area, you must ask yourself whether there is room for the home to appreciate over time. Often there is not, which means you just end up buying the seller?s problem.

While buying a home is an emotional decision, you must be able to objectively crunch the numbers. Buying at the high end of the market is rarely a good idea.

Raynor James is with the site - FSBO America - FSBO homes for sale by owner.

American Concours Foundation Announced Auction For Four Classic Automobiles

Four classic automobiles will be auctioned by the American Concours Foundation with the proceeds going to charitable institutions like the Amelia Island Concours Foundation and the Concours Las Vegas.

The four classic automobiles will be sold separately and will be auctioned online. The four vehicles are totally unique and rare that the bidding will surely go through the roof. A Mercedes, a Lincoln and two Jaguars will be auctioned via eBay.

The first of the four classic automobile is a 1955 Mercedes 300SL Gullwing Show Car. This timeless piece of engineering was first introduced to the public in 1954 at the New York Auto Show. It is distinct among it predecessors because of the fact that it did not debut during a European motor show.

Aside from that peculiarity, the Mercedes Benz 300SL is also best known for its gullwing or butterfly wing doors. The door configuration is now being used on sports cars and is also known to enhance the aesthetic value of a vehicle.

The 300SL is also the first car to be equipped with a gasoline engine with the direct fuel injection system. This means that the technology used in the 300SL is akin to diesel engine. The estimated value for this rare car is between $600,000 and $700,000.

The second car on the auction block is a rare 1954 Jaguar XK 120 Drop Head Coupe. This rare car is the forefather of the modern Jaguar XK which has captured the attention of performance enthusiast not only because of its high aesthetic value but also because of its high level of performance. The particular Jaguar XK to be auctioned has been thrice owned, with the current owner having owned the car since the year 1991.

The third classic car which will be auctioned is a 1933 Lincoln KA V-12 Model 513A Convertible Roadster. This is the oldest car in the group and is also the rarest of the four - owing to its age. The car can accommodate two or four passengers, and is equipped with rumble seat and side mounts. This particular model was designed by Dietrich and the body was built by the Murray Corporation.

The last of the four classic cars to be auctioned is another Jaguar. This time, a 1967 Jaguar E Type Vintage Roadster OTS Race Track Prepped. The car combines both beauty and strength. This street legal is ready for a race, thanks to its abundant supply of power. The car has seen life in the fast lane since it has begun its racing life way back in the early seventies.

The auction for the Mercedes 300SL Gullwing and the Jaguar XK120 will end on the 11th of March. The Lincoln and the Jaguar E Type will be on the auction block until the 13th of this month.

All these cars are born in the time of history where cars are equipped with high performance engines. With these cars in full throttle, even an EBC pad paired with a high quality rotor will be pushed hared to stop these cars.

Model Home Secrets to Getting Your Empty Home Sold in Six Weeks or Less

If you are trying to sell an empty home, you may have found this to be a blessing and a curse.

An empty home is easy to show. Buyers might like that fact that they can move right in. Potential buyers might even have an easier time seeing themselves in the home.

On the other hand, an empty home may feel cold and impersonal. Buyers are looking for a home that they can fall in love with. Even if your home is the nicest home that they buyers look at, if they don?t ?feel the love?; they will probably buy someone else?s home.

How I got started staging homes

I started staging homes several years ago. I had gotten my real estate sales license during a dreadful buyers market. The market was so bad that most well priced homes were taking six to twelve months to sell.

I started staging my new empty home listings after selling a home that had been staged by the owners. It was the owners second home and the decorations were perfect. This home sold and closed in six weeks! Not only that, but I had other buyers in the wings ready to buy, if the first buyers failed to close. I realized I was on to something.

I bought and studied a book called ?Dress Your House for Success? by Martha Web. Her book helped me to figure out how to repeat the ?six week home sale?, over and over again. The fast sales made my clients happy! The fast commissions made me happy.

I bought staging items which cost me about $300. Then I staged and empty home that I had listed for sale. Shazam! The home sold in six weeks despite the buyers market.

Home staging doesn?t always work as expected, but if the home is priced right and has enough showings, six weeks is my average time to sell an empty, staged home.

How you can easily stage an empty home so that it sells quickly

First of all, I make sure the home is sparkling clean. You want everything to look as close to new as possible. All chrome must shine. All stains, from every surface, must be removed. Windows, the window screens and window sills should sparkle. Touch up paint or repaint as needed. The flooring, including tile and carpet, must look and smell clean. Dust and cobwebs must go! Clean like you?ve never cleaned before!

An empty house can be staged without moving any furniture into the home. To stage my listings, I only have to move in four plastic boxes of light-weight decorative items plus several silk or plastic plants. What I am trying to do is to create a ?model home? look, but without the furniture. If you?re not sure what I mean, visit a few model homes. Model homes are a wonderful and quick education in staging. Ignore the furniture in the model homes, and instead concentrate on the decorations. Take a camera with you, to take pictures, if you want.

The following is a room by room description of the items I use to stage a home. You can decide where each item should be placed, and how many to use. Don?t over do it, but ?stark? is not a good look either. All staging items must be new or look new. No exceptions! Make sure the silk plants are cleaned regularly.

Staging the front door:

?Place a brand new, fun door mat in front of the door. I buy a new one for each home I stage.

?If the door has a hook to hang seasonal items on, do so when appropriate.

?The front door area has to look neat and clean. Sweep the steps and side walk and wipe down the door if needed. Make sure the front door light and doorknobs shine. First impressions count.

Kitchen staging items:

?Place exciting and interesting kitchen towels and oven mitts that match the towels on the kitchen counter.

?I place veggie / oil filled decorative glass jars, grouped together on the counter.

?Silk plants and silk plants in baskets: one for the top of the fridge, more for on top of the cabinets, and if appropriate, one for the counter top.

?Decorative (empty) soap and hand cream dispensers.

?I have put together a gift basket (for decoration only) which I put on the kitchen counter. It includes all sorts of fun kitchen items, towels and knick knacks. I do this to add emotional appeal to the kitchen and home.

?Other interesting items to suit your tastes.

?I also replace any burned out light bulbs.

Bathroom staging items:

?Big, soft, fluffy new towels, large and small, tied up with raffia or decorative cords.

?Decorative soaps

?Matching soap dishes, toothbrush holders, cups etc. Buy some that are fun for the guest baths, and buy some classy, romantic ones for the master bathroom!

?Lots of candles and candle holders. Don?t be cheap on these. Get the nicest you can buy.

?More silk plants

?If you feel it will help, buy and use a new rod and shower curtain. I have done this before. You will know when and where to use these.

?I replace all burned out light bulbs. If the bulbs wattages are too low, I will replace them with brighter lights.

Items for the living room, the family room and bedrooms:

?Large and small silk plants placed to enhance nice areas or placed take the eyes of the buyer away from areas that you don?t want the buyers to concentrate on.

?More silk plants for any plant shelves.

?When ever possible I use classy wall art: framed pictures and posters, etc.

?I have also used rocking chairs, wooden rocking horses (kid?s room), pottery, and vases filled with dried plants.

?I have rented live plants for larger homes. Ten large, beautiful plants cost me $150/month. The plant company took care of the plants. This was well worth the cost. I can highly recommend this for adding to the emotional appeal of a large, empty home.

?Make certain that the curtains or window coverings are open and the windows are clean. I want the home to be bright and inviting. This helps to create a positive feeling to the home. In addition, the ?drive the neighborhood? homebuyers can see in and decide if they want to get into the home! Every potential buyer counts.

The items mentioned are just a starting point for staging. I am continually adding more items and getting rid of items which have ?aged?. So far over the years I have spent about $1,000 on staging items and now have enough items to stage two homes. I have made my investment back many, many times over.

I can highly recommend staging to both homeowners and real estate agents. Your home or home listings will sell faster and for more money.

Don Glasgow is a real estate agent in St. George, Utah. Don has been selling Washington County real estate since 1999. This article may be republished on the internet as long as this footer along with the website links are kept in place.

Enrich Your Body With Beta Carotene

 



Enrich Your Body With Beta CaroteneSubmitted By: Darrell Miller  

Beta Carotene is a healthful supplement to most diets. Beta Carotene comes from the orange coloring naturally present in foods such as pumpkins, squash and sweet potatoes. The scientist who discovered the nutrient of ?carotene,? did so by crystallizing a mixture created from carrots.

Not only is this a powerful antioxidant, beta carotene is a provitamin A compound. This compound converts to Vitamin A once ingested. Among the many benefits of Vitamin A are healthy skin, hair, vision and an improved immune system. Alpha, beta, and gamma carotene nutrients are all considered ?provitamin? because they are converted to Vitamin A in the body.

Vitamin A deficiencies have been linked to a number of health problems. Those include bone development disorders and reproductive disorders. Commercial grade beta carotene typically changes to retinol in the body and this is essential to good vision.

Beta Carotene is in the same carotenoid family as the oft-discussed lycopene, another powerful weapon against many diseases. Beta Carotene holds many benefits in itself. The compound also contains flavonoids. Flavonoids are also antioxidants and are found in most red and orange fruits.

Other items that contain beta carotene include: tomatoes, cantaloupe, watermelon, apricots and mangoes. Food items containing a spectrum of the carotenoid, including beta carotene are: spinach, broccoli, kale, and lettuce.

Foods that contain the healthful flavonoids hold them just around the skin so it isn?t recommended that you peel these fruits. If you remove the skin, you will likely strip away these beneficial nutrients.

Beta carotene has been studied for its effectiveness with such diseases and disorders as: anemia, cataracts, chronic obstructive pulmonary disease (COPD), cystic fibrosis, benign breast disease, immune system enhancement, Graves? Disease, improving lung function, macular degeneration, osteoarthritis, angioplasty, cancer, cardiovascular disease, postoperative injury prevention, stroke, sepsis and many others. All scientific proof has resulted in a diverse report on each theory. Your health care professional will have further information.

Beta carotene supplements come in capsules, chewable tablets or typical tablets. If you want a natural way, this will require five to eight servings of fruit and vegetables a day. This amount seems to be prohibitive to many and supplements may be ideal for such a situation.

As wonderful as Vitamin A is for the healthy body, there are some cautions you should consider before making this a part of your daily regimen. Smokers or those who drink alcohol should not use this supplement. People who are allergic to orange foods should not take beta carotene. As with any change in your diet, discuss the benefits or risks of beta carotene with your physician prior to using the supplement.

There are little in the way of scientific study or research involving children and beta carotene. There is also minimal information in regards to pregnant or nursing women using this supplement. Your healthcare provider should be consulted in either of these situations.

Carefully study product labels. The FDA does not usually regulate the use of herbs or supplements. There is also the fact that many supplements are produced synthetically with the use of palm oil, algae or fungi. Hence, make sure the supplement you purchase is from a reputable name brand company that gets tested regularly for quality assurance.

About the Author:

More information on the powerful antioxidant beta carotene is available at VitaNet ?, LLC Health Food Store. http://vitanetonline.com/

Article Tags: carotene, beta, supplements

The Tenant?s Tenets: Residential Lease Agreements

In this world, everybody must abide by certain rules and regulations. These could be official rules which are penned by persons of authority and are expected to be followed by one and all; or these could be unofficial rules which are dictated upon people by other people or by society. Of these two, official rules are those which are considered as more formal and shall apply to everyone ? from small (offices, classes, organizations) to large (townships, cities, countries) groups of people.

As with everything in this world, real estate transactions are also governed by rules and this extends through the entire gamut of individuals who are, in one way or another, involved in the process. There are federal and state property laws which real estate agents and lawyers must be aware of. Within the real estate office, there are specific rules that need to be followed as well. The professional relationship of a broker and a client are also governed by rules. However, in real estate, no one is more exposed to a list of dos and don?ts than a tenant of leased property.

Tenants of rented units are bound by a contract called a lease agreement. All the details pertaining to the lease are itemized in this document, and these include the names and addresses of the parties involved; the rented property, duration of lease, agreed upon rental fee, payment terms, and so on and so forth. Apart from these, lease agreements also include specific tenets or rules which, upon signing of the document, the tenant promises to abide by. And like anything that come in pairs these conditions come with concomitant penalties and corrective actions. Lease agreements are very important documents and the preparation of such should not be taken lightly.

Lease agreements are usually prepared by real estate agents and/or lawyers and this forms part of the whole service package offered to consumers. These days, however, you no longer need to consult with professionals for this. Many of these real estate related websites can give you tips on how to prepare a legally binding lease agreement. There are sites where a sample is presented to you on the screen, and there are also websites where you are able to purchase and download these contracts. The forms, such as the residential lease agreement, though found on real estate websites were created by professional real estate agents, thus you can be assured that the format and contents are valid. These can be opened using any word processing program and you can easily modify the contents to plug in the rules and conditions for you expect your tenants to follow.

If you want to secure a copy from the internet, all you need to do is pay for the contract by using your credit card, paypal or the issuance of electronic cheques, and once the payment approved, you can immediately download the residential lease agreement and alter the contents as you see fit. So pen those tenets now and include these in the lease agreement so your tenant will live by your rules.

This is article is brought to you by Gloria Smith at LegalHomeForms.com. Created by a former, licensed Real Estate Agent, LegalHomeForms.com was designed to offer instant access to the most sought after type of real estate forms. For the cost of what others charge for one real estate contract, you can have instant access to over 60 downloadable real estate forms. You can find the Residential Lease Agreement form at: http://www.legalhomeforms.com/residential-lease-agreement.htm

Downturn in Home Ownership Can Be a Windfall to Savvy Investors

With the housing market beginning to cool and interest rates on the rise, this may be an excellent time for investors to buy rental properties. The combination of those two market factors, along with an increase in the number of folks looking for new housing, could spell big profits for savvy real estate investors.

In the second quarter of 2006, home ownership actually rose somewhat, to 68.7 percent (although it was up less than a half percentage point), but that figure is down more than a percentage point from the high point, which occurred in the second quarter of 2004 (69.2 percent). Although that rise may be good for real estate sellers, recent interest rates, coupled with a large increase in property values during the housing boom many areas of the country experienced over the last several years, have made it much more difficult for buyers to get into homes of their own.

What does that mean to investors? It means that even at during the peak of home ownership in 2004, more than 3 out of every 10 Americans still rented the houses in which they lived, and it appears as if that figure may increase. In the last week of July 2006, the Mortgage Bankers Association reported that applications for home loans had reached a four-year low. As an investor, those figures should spark your interest, because they indicate that more people are being forced to rent, whether they want to or not, until market factors adjust to make home ownership more feasible.

That fact was borne out in a recent survey by the National Multi Housing Council, which discovered that some 75 percent of apartment executives reported lower vacancy rates, higher rents, or both. In fact, the survey found that the Market Tightness Index, which is used to measure rental market conditions, increased to 85 in the second quarter of 2006, which was the highest number on record. Any number above 50 on that scale indicates improving market conditions for landlords, and it's been above 50 for 12 consecutive quarters. (The last time it was below 50 was July 2003.)

All of these factors offer a clear indication that owning rental properties makes more sense than it has in a long time, and that trend appears set to continue for some time to come. That conclusion was verified when a study by Harvard University identified a number of demographic forces that are combining to strengthen the rental housing market, especially echo boomers and second-generation Americans. The fact that investors are having to pay higher interest rates to buy rental properties has also translated into increased rents over the past few years.

With home buyers having more difficulty financing their dream homes, it appears as if the rental market will continue to strengthen for some time, at least until a market correction brings down home prices, which have been spiraling significantly over the past few years. As more and more people begin to look at renting as an option while they wait for that correction, savvy investors may be able to experience increased profits by adding more rentals to their inventory.

Copyright ? 2006 Jeanette J. Fisher

Jeanette Fisher teaches beginning real estate investors four ways to make money in any real estate market. Free Real Estate Investing Business Plan and free ebook, The Truth about Making Money Flipping Houses at http://www.doghousetodollhousefordollars.com

Youth Hostels Guide Part 1 of 2

This is a complete guide to youth hostels, split in 2 parts; this is the part 1 of 2.



Youth Hostels History



The first youth hostel was founded by Richard Schirrmann around 1909. Schirrmann was a German teacher who organized trips and visits with his students.



During one of these excursions, a sudden rainstorm forced his group to seek shelter in an empty school. It was then that Schirrmann had the idea of using schools that were empty during holidays as guest houses for young people that were travelling in groups in the countryside. The idea caught on very quickly, and by the 1930s there were more than two thousand hostels in Germany.



The idea spread out in the rest of Europe, and after an important international conference in 1932, the idea was exported to the United States and many other countries, and the International Youth Hostel Federation was born, with the idea of providing cheap accommodation for young travellers. With time, the concept of hostel has broadened, and now hostels accept guests of all ages, providing cheap but comfortable accommodation and a unique atmosphere that cannot be found in hotels.



Hostels Equipment



If you are travelling for a long time, buy yourself a good backpack, which fits you comfortably, and do not exceed in loading it - a heavy backpack can be very painful to carry when it's summer and it's hot. Choose comfortable shoes, and keep cool shoes for evenings out.

Hostels most often provide you with sheets (often at an extra cost), but you should bring your own, just in case. Some hostels might not allow sleeping bags, for reasons of hygiene (you might have been sleeping anywhere with a sleeping bag, and hostelling is not the same thing as camping).



Some hostels will provide you with a so-called sleep-sheet, which is two sheets sewn together, so they form a sort of sack. This way the bed stays clean. It is not as common as it used to be years ago. You should also bring your own soap and towels, since only some hostels provide these, usually with an extra charge.



Hostels Social Life



Hostels are definitely the place for socializing. Since the guests in a hostel are mostly younger people, there are plenty of occasions to get to know other travellers. Some hostels organize parties, meetings or competitions, or have a bar within or just outside their premises where people can meet and chat to fellow guests.



Hostellers are generally more interested in meeting other people than your average tourist, so it's much easier to get in touch with them, share common interests and exchange advice, tips, etc. Many people travel on their own all over a country or continent more than a year long, and rely on chance meetings to make friends.



Remember: you can always meet people who have opinions (on politics, sex, religion, your country) that are very different from your own, so you must be prepared to be tolerant and understanding other people's positions and views on life. Without a doubt, this will certainly enrich you and broaden your perspective. So if you go to a hostel, expect to meet new friends, (especially if you speak some languages) and put on your best smiling face. Who knows, you might make the best friendships of your life!



Youth Hostels vs Hotels



There are several types of hostels nowadays, and all of them tend to have their special characteristics; some are more like standard hotels, some are a completely different experience. The main difference is that most hostels offer accommodation in dormitories, or shared rooms. Dorms can be bigger or smaller, can be for males/females only or mixed, but anyway this means that you can share your room with strangers.



Although many hostels now provide private rooms with en-suite facilities, the atmosphere is still very different from that of your average hotel. Whereas hotels only tend to just provide their customers a comfortable place where to spend the night, hostels tend to have more of a social atmosphere which often is derived from sharing dining tables, washing machines, dryers, and much more with with other guests.



Many hostels organize parties and excursions for their guests, and many have a bar where people can meet and get to know each other. In a hostel it is much more likely to start a conversation with a fellow traveller or to be asked for advice, tips and information by someone you have never met before.



Basically, hostels are generally a good place to make friends, to meet people from far away countries with ways different than your own, to exchange tips on clubs, museums, shows, shopping and the like.



Different kinds of hostels



Hostels come in all shapes and sizes nowadays. City hostels tend to lean more towards the social/fun aspect of city life, offering information about pubs, tours of the city, thrift shops and night clubs. They can be much noisier than country hostels, since they often have no curfew and are open 24 hours a day. The bigger the hostel, and the more night-life oriented the city it's in, the more social life you will find. Country hostels are a very different thing. They're mostly frequented by people who are travelling through the country, possibly walking or hiking. This means people wake up earlier, and go to sleep earlier, and usually like it quiet!







This guide is brought to you by www.HostelsPrice.com and en.EuropeLowCost.com.

Educational Toys and Games

Miami: The Hollow City

A recent European immigrant I know expressed how happy he was in discovering a 9th floor, three-bedroom, 1.5 bath condo in Miami for $500,000.00. After my head stopped shaking and my eyes stopped blinking uncontrollably, I had to wonder if I had been living here too long. No matter how many times you say 500 thousand dollars, it still sounds like half-a-million dollars to me. Maybe where he's from, that's a good deal, but from where I come from, that's a whole lot of money for way too little-- no matter how great this town is. Thanks to the recent Miami Herald article The Price of Paradise, I'm reminded that property taxes on that much money will easily set you back $12,000.00 a year or $230 a week. Add that to your mortgage and insurance costs plus your car payment and it's insurance, and, suddenly, Miami is becoming a city where only the wealthy can afford to live. Like the article suggests, Miami may become a stratified community, where the rich live well, the poor get by, and the middle class get out.

Still, the downtown condos are selling. Downtown Miami is undergoing a building boom that rivals Beijing. I suspect, however, that many of the Miami condos have been bought on speculation with the hopes of making a quick profit on the investment. A small percentage may actually be retirement or second homes for the wealthy but most are beyond affordable for the middle class. Doctors, lawyers, and Indian Chiefs who own casinos might be able to live there, but where will everyone else live? In 2001, the average Miami home cost $158,000.00. Today, the median is $378,000.00. Yikes! No wonder it is nearly impossible to recruit new teachers. They can't find affordable housing in the county and, with the rising costs of gasoline, commuting from the next county is looking like a thing of the past.

With an estimated 40,000 condo units planned for downtown alone, I suspect Miami is becoming The Hollow City, nothing more than a pretty facade for movies with empty rooms overlooking one of the most beautiful places on earth.

D.C. Copeland is a writer and award-winning artist. When visiting Copeland's personal website and blog http://www.miamivisionblogarama.blogspot.com/, you will discover that Wayne Cochran is the Patron Saint and that many people consider it to be The Rodney Dangerfield of Blogs.

Buyers Guide For Aftermarket Replacement Car Seats.

Aftermarket replacement car seats come in a variety of colors and styles. This can be a tricky and potentially costly decision to make. But it does not have to be. This is no different than buying anything else. Just do a little research. We are going to provide a few hints to make your experience a little easier.

1. Buy from a reputable dealer.One way to check this is to email them and ask a few questions before you purchase. How long in business, who their supplier is, what support do they offer etc.

2.Although you might be tempted to buy the lastest fad such as new designs and such you are better off staying with your original color and design as this will preserve the value of your vehicle.

3. Before you purchase make sure they guarantee that your new seat covers fit with a money back guarantee.

4. If you are not installing your new seat covers yourself, find some one in your area to do this before ordering. This is because some don't like to do this if you do not purchase from them.

5.If you are doing the installation yourself make sure some concise instructions are included.Some also provide online manuals to follow.

6.If you are a do-it yourself type person replacing your seat covers should not be a problem.Basic hand tools are required.

7.Check with your supplier to see what is included with your purchase and to see if any additional supplies are needed.

By following this short outline this will make your purchase and installation of aftermarket replacement car seats go much smoother.

Submitted By: Charles & Susan Truett

Handling Unexpected Problems on the Backpacking Trail

There are many things that can happen on a backpacking outing. When something untoward occurs it can be frustrating and slow you down. If you do not know how to handle the problem, then you may have to terminate your trip early. The following list explains some helpful tips and tricks to solving some common backpacking problems.

Repairing a broken backpack

There are many ways a backpack can break while on the trail. A broken pack can be awkward to carry, so being able to fix it would be a useful capability. You can try duct tape, which for tears works great, but you may need something else if you have a strap break away. One alternative is wire, which can be used to easily attach the pack to a frame or to attach a broken strap.

Clogged poles

If you have a tent with hollow poles and they settle into the dirt or mud, they can get clogged up. This may seem like a small, unimportant problem, but if you are trying to pack light even a few clogged tent poles can add some extra unnecessary weight. One method you could try to remove the debris is a corkscrew.

Boot lace hassle

Boot laces that loosen or come untied can really be an annoyance. You should always double or triple knot the laces. Also try lacing them different ways. Always be sure if you stop to retie that you do both boots so you do not end up having to stop a few moments later to tie the one you didn't.

Food thieves

In the wilderness there are many thieves waiting to steal your food. Packing it in containers will only keep the smallest critters away. Make sure they are not only closed, but securely tied up too. In areas where bears are prominent there are often poles offered to tie up food. Use them. Make sure the bag hangs loosely and is not tied to a tree or pole directly. If the food bag swings it makes it even harder for a critter to get into it.

Forgot an Item

When you are out on the trail, one of the worst realizations is when you know you've forgotten something. Unfortunately, you can't simply go home and get it. However, if you feel you can't go on without the missing item, you need some creative thinking. Can any of the other items in your pack double up for the missing item? Many times you will find that a lot of items you pack can be used in more than one way. Think outside the box and you'll be amazed at the multiple uses you can come up with for the items in your pack.

So, don't give up. There will always be a solution to your problem. It may not be in your backpack, but don't forget to check out the fellow travelers in your group.
About the Author

Brian McGregor is a backpacking enthusiast and author. You can read about his latest ebook on backpacking trips, including six free backpacking gifts at http://www.backpackingtime.com/backpackingtrips.htm

Tucson Real Estate

Tucson real estate is flourishing, and it's easy to see why. Tucson is known for having ideal weather - it has a sunny, dry climate that makes it very attractive not only for tourists, but for people looking to settle.

Booming

The boom in Tucson real estate started in 2004, when total sales volume of homes in the vicinity increased by a little more than 55 percent. In the same year, the number of residential units alone rose from around 960 in November to a whopping 1,200 only one month later. Tucson real estate deals are also closed a lot faster than the time it takes to close a deal in other states. In fact, nearly 60 percent of homes in the Tucson area get sold within 30 days after it is listed. This is attributable to the fact that most Tucson homes are considered to be very good deals for buyers; the city is very livable, and the people are very accommodating.

The trend carried on in 2005 and will probably carry way into 2006, especially because the Tucson economy has become conducive to young families, recent graduates and even retirees. A lot of aggressive buyers and investors are taking advantage of the drift and are staring to put their money into Tucson real estate, which is predicted to be very profitable.

Preparing to buy

It?s a good idea to consult expert Tucson real estate agents if you are looking to buy property in the area. Most real estate agencies offer free consultation to allow you to see the costs of real estate in the area, what loan options are available to you, relocation advice etc. As an added service, some agencies even offer free one-time cleaning services for your new Tucson home.

Tucson Real Estate provides detailed information on Tucson Real Estate, Tucson Real Estate Agents, Tucson Residential Real Estate, Tucson Commercial Real Estate and more. Tucson Real Estate is affiliated with Scottsdale Arizona Real Estate Agent.

Real Estate Brokers Using PPC To Generate Online Real Estate Referrals

The housing market is hot and there is a lot of commission to be made for real estate brokers that sell homes. Competition for new business is fierce and the enterprising real estate broker uses all means possible to generate real estate referrals, including online generation of real estate referrals and sales leads.

One of the easiest ways for real estate brokers, especially new brokers, to generate real estate leads and referrals is through PPC advertising on internet search engines such as Google, Yahoo, and MSN. If you are not already doing so, know that competing real estate brokers are generating their fair share of real estate referrals on the internet. You should too.

Home buyers are, more and more, searching for home buying services on the internet. You need to have a presence to gain these people as prospects.

If you are just getting started with generating real estate referrals and leads via PPC, I've compiled a sample list of keywords that you can use to start to target home buyers that are doing online searches. The following is a short sample list. Of course the keywords that you choose should be directly targeted to the market that you target. In no particular order, here they are:

• First time homebuyer in Philadelphia, Pennsylvania
• New York, NY apartments
• Dallas real estate agent
• Vacation properties in Hawaii
• Mortgage rate calculator
• Toronto Remax realtor
• Phoenix, Arizona housing market trends
• Buying a new home in Cleveland, Ohio
• Miami Beach, Fl real estate
• Wilmington, NC real estate broker
• Real estate negotiation
• American mortgage rates
• Century 21 Realtor in Memphis, Tennessee
• Chicago commercial real estate
• Denver, Colorado condos for sales
• Calgary, Alberta house values
• San Diego, California investment properties
• Ottawa, ON MLS listings
• Portland, Oregon housing prices
• Buying a home with bad credit

Of course, when developing your own keywords to generate real estate referrals, substitute any of the cities above with the city that you work in.

Tino Buntic invites you to visit http://www.trade-pals.com. Tradepals provides free sales leads and business referrals, including real estate referrals, to business professionals across The United States and Canada. Tino also recommends the Real Estate and How Blog as a real estate news source for real estate professionals.