Saturday, February 28, 2009

Foreclosure Can Foreclosures be Stopped

It is everyone?s dream to own a home or built a house for his or herself. There are a few who are fortunate enough to secure one paid in full while many others try to buy one through financing or securing loans.

However, even you are religiously saving for the so-called rainy days and even if you have sufficient finances, there would come a time that you would find it difficult to face up to your obligations. Sicknesses in the family, a possible retrenchment at work or emergency purchases are unexpected instances where you could find yourself in arrears with your payment and then suddenly you are now facing foreclosures.

When legalities come into play in your financial situations or mortgages, it means that your predicament is deep serious. Foreclosures are one of those legal terms that everyone detests, especially the homeowners and the financers or banks themselves.

In exchange for lending the money, the lender would hold a lien against the property, If the borrower does not make the required payments, then the loan goes into default and the lender could exercise the lien against the property, in order to take legal possession of the property for the purpose of selling the property to pay off the borrower?s loan. This process is called foreclosure.

CAN FORECLOSURES BE STOPPED
HOW TO STOP FORECLOSURES

Aside from the obvious reason of not paying their loans on time, homeowners get into foreclosures, even if they have avenues to explore, simply by ignoring calls or letters from their banks and lenders or just simply giving up on his/her property in the hope that the tide of things would turn favorable on them.

Although foreclosures are eventualities in securing homes through financing, it does not mean that this could not be stopped or remedied. The matter hinges on the homeowners themselves if they want to keep the property for sentimental reasons or just simply foreclose it and just face the consequences of their action, notably severe damage to one?s credit rating.

If you are delayed in payments to your mortgages and there is no relief in sight, in the immediate or near future, then you have to put the problem in perspective and make a contingency plan or efforts.

The standard measure of keeping or selling the property is that if your monthly house payment (including property taxes and insurance) does not exceed 40% of your gross monthly income, it should be possible for you to keep the property. If the payment is greater than 40% of your gross monthly income, consider selling or transferring the property to avoid negative impacts on your credit. This option would more likely be the path to be taken by borrowers who have equity in the property. By selling the property, the borrower could then pay off the mortgage, and pocket the difference if there is equity remaining.

If the financial setback is temporary and you need immediate money to make your loan current so that you could continue paying your debts, it is best to approach family and friends instead of hard money loans since they would lend money based on equity in the property. Just make sure to pay off your loans to your relatives or close friends for it is much difficult to have them foreclose on you to get their money back.

The best and simple solution to foreclosure proceedings is to deal directly with the situation. Be brave enough to talk with your banks or lenders and explain your situation. Remember, they do not want to foreclose on you they just simply want their money back plus interest. By exploring this angle, the lender and the borrower may arrive at a common ground to work on and resolve the situation in a way that is agreeable to both parties. The Loss Mitigation Department would deal on cases like this.

Basic lending guidelines would require all home loans would total up to less than 70% of the current market value of the property. If you have more equity than that, you should have no difficulty in obtaining a new refinancing deals or second trust deed to bring your loan current. Expect higher interest rates and loan fees.

There are several other alternatives available to you depending on the situations of the borrower, laws of the state and policies of the lender. You may consider forbearance, refinancing, modification, deferral of principal, a temporary indulgence and a Chapter 13 Bankruptcy.

In applying forbearance, your lender may be able to arrange a repayment plan based on your financial situation and may even provide for a temporary reduction or suspension of your payments. You may qualify for this if you have recently experienced a reduction in income or an increase in living expenses. You must furnish information to your lender that there is a temporary problem and it would be resolved in the near future and show that you would be able to meet the requirements of the new payment plan.

A similar portion is deferral of principal in which the borrower agrees to pay the interest only for a certain period of time and then making the usual monthly payments. But just like in forbearance, this is very difficult to obtain unless the bank is familiar with the borrower or the borrower has an excellent credit stature in the bank.

If you have recovered from a financial problem you may able to apply for a mortgage modification. This process involves renegotiating the terms of debt and/or extends the term of your mortgage loans, changing the interest rates or additional surcharges to the principal with the current lender. This may help you catch up by reducing the monthly payments to a more affordable level. Refinancing, on the other hand, means that the borrower obtains a new mortgage with a different lender; the operative word here is different. As much as possible this alternative should be avoided since it would make your problems worse for borrowers in distress would tend to agree to onerous terms just to get a lease on their loans.

A chapter 13 Bankruptcy could be another option for it gives the borrower the time to ?re-organize? his finances and work out a payment plan prior to resumption of payment. This would help keep the property and not blemish your credit rating compared to a Chapter 7 Bankruptcy, which completely discharges any debt the borrower had accumulated under the mortgage.

As a last resort, you may able to voluntarily ?give back? your property to the lender or a ?deed in lieu of foreclosure.? This would not save your house, but it is not as damaging to your credit rating as a foreclosure. This may be availed of if the borrower is in default and do not qualify for any other options and your attempts at selling the house before foreclosures were unsuccessful.

In some other states, there are laws and other options that are available to borrowers with mortgage problems. There is the option of reinstatement which means that the borrower brings the foreclosed mortgage current, including all overdue amounts, as well as fees and costs. Likewise, there is the co-called redemption, however it is usually limited in how often he or she could take advantage of this option and this is limited to some states.

A foreclosure procedure takes a long time to materialize and homeowners are given the chance to bail themselves out of their predicament. Sometimes the best defense against foreclosure is just to make a response on their inquiries or demand letters. Ultimately, the only thing that would stop foreclosure proceedings is repayment of the debt, for every option mentioned here is just a delay in the proceedings.

Information about Foreclosures in California and other states including tax liens and tax deeds. Looking to buy or sell your Bay Area Real Estate - we can help. Call John Nazareno at 510-410-8026. Thank You!

Friday, February 27, 2009

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.

Thursday, February 26, 2009

Home Mortgage Online: A Quick Introduction

You want to buy a home. Or you have one and wish to profitably derive some immediate cash from it for emergency needs. Either ways, you should opt for a home mortgage online right away. The feeling of freedom that comes with having one?s own space is incomparable. Whether it is living, working or entertaining, your home represents your aspirations. Somehow, you have been postponing the decision for many reasons. Insufficient earnings, other debts, lack of advice or plain laziness could have stopped you.

With home mortgage online, finding the right financial support for your home buying decision is just a click away. There are several factors that should be considered before closing the mortgage agreement. Determine the budget range in which you would shop for a home. This in turn depends on your present and future earnings potential discounted for living expenses, debt repayments and other outgoings.

Most mortgage lenders would give a preapproval based on your score in their credit appraisal. This gives you credibility when you negotiate with sellers or their agents. Home mortgage online is an easy and transparent process. The mortgage lenders provide quotes on their websites or through directory sites. This makes comparison between competitive quotes faster and easier.

Lenders offering home mortgage online provide a wide array of products like simple mortgage, interest only, fixed rate, adjustable rate or bad credit consolidation.

There is an innovative option of deriving equity from your home. This means you could use your home as a collateral to create a mortgage. The funds received could meet an immediate requirement. Home mortgage online offer this scheme as well as bad credit mortgage loans to help erase painful memories of poor credit performance.

Many mortgage lenders have personalized advice available online. You submit details about your requirements and you would get the best advice for your unique needs. Wells Fargo, Quicken loans, eloan and Greenwood Capital are some of the well known mortgage lenders who offer home mortgage online.

Copyright ? 2006 Joel Teo. All rights reserved. (You may publish this article in its entirety with the following author's information with live links only.)

Joel Teo writes on various financial topics relating to Home Mortgage Finance. Learn how you can make money today by signing up for his free online Real Estate Investing newsletter today and gain access to the ?Six Day Real Estate Investment Profits Course? at http://www.realestateinvestment101.info/HomeMortgage.html

Wednesday, February 25, 2009

Resell a Miami Real Estate Home in Just a Few Steps

As soon as prices go up in Miami, more and more investors and even home owners decide on selling their property for a fortune so they could get yet another quality home from one of Miami?s real estates. But this is never easy. Often times, sellers want to receive lots of cash for their property, but not all of them would do anything to make sure they would get what they planned for. The market today especially in Miami real estate business, is so aggressive that?s why it is so important to have the place in proper order and in a competitive status.

Realtors classify second houses into a stated house and a on-staged house. The main difference between the two classifications in Miami is the price the buyer is willing to shell out for the property.

If the property is sold ?as is,? then the seller can name a price that maybe preferred. However, if the buyer does not see the cleanliness then money to be paid is also trimmed down from the original asking price. This is true for every blemish they see. That is why it is important to prepare the home and really clean the house to get the full price.

Better begin with cleaning the exterior part of the house. The outside of the house often gives the first impression and believe it or not, there are more than a hundred things that fail to be noticed. Keep all the tools and other equipment in the outside, especially the toys and the sweeping materials in the sidewalk organized by putting them in a storage box or the toolkits.

Show the beauty of the Miami house and take away the trashcans out of the visible areas during the tour. Make sure that the porch light are working bright for the house lighting plays a major role in making a person feel special or uneasy in a house and don?t hesitate to buy new door mats if it?s really needed.

Check the doors and the glass windows. They should be spotless. The frames should also be cleaned including the switches of lights and outlet covers. Put all the dirt and garbage away but never damp the clutter inside the closets.

Also polish the kitchen counters and see to it that there are not clutters on top as well. Hide the other appliances in an organized way especially the papers and other stuff not really meant for the kitchen.

Most importantly, make sure that all doors and windows especially the sliding ones are working smoothly. Vacuum the carpet and remove the visible stains. Replace all dirty curtains to show the view of Miami. In taking these simple steps, it is safe to assume that reselling a Miami home in one of Miami?s Real Estates will be next to a hundred per cent. Keep in mind that the property to be sold must look like it was really cared for and will need the same care from the new homeowners.

Cleo Capili

http://www.miamirealestateinc.com

Florida Real Estate Expert Cleo Capili specializes providing assistance to buyers in Florida. She guides families who would like to invest and purchase their dream home in the exciting warm paradise of the Real Estates in Florida. Her skills in negotiating and inventory to make sure that sales and experience bring out the best for each purchase sets her apart from the different common realtors in her location.

Cleo have good background in marketing, business, real estate financing, and advertising to give clients the best options when buying a Florida property. No matter what your needs are, Cleo could share her professional and interpersonal skills for outstanding results on each of your property purchase in Florida.

Monday, February 23, 2009

Victoria BC Real Estate

Whether you are in the market for a new home, or you just want to relocate to a finer city, Victoria BC real estate is always a good bet. A lot of breathtaking attractions and beautiful scenery can be found in the city of Victoria. From the beautiful gardens to the streets lined with shopping and entertainment centers, Victoria BC certainly has a lot to offer to everyone.

Victoria BC real estate varies for its transient population. Most people travel to Victoria BC to enjoy the ocean and spend some time walking along the beautiful sand of Victoria?s beaches. If you are an ocean-lover, you may want to look into the many exciting properties included in ocean view and ocean front home listings for a nice vacation home in Victoria. You can check many of these properties by going online and searching for Victoria BC real estate listings.

In addition to this, Victoria BC is home to many tourist attractions making this one of the most sought after tourist destinations. Real estate is an excellent investment in Victoria, since a lot of people are choosing vacation homes or second homes as their accommodation when spending a week, two, or even months in this beautiful city. Because of this, you can be assured that your real estate property will hold its value even if you are miles away.

Victoria BC real estate is indeed an exciting and wise investment for your future. Since there are many options for real estate listings, you do not have to worry as to where you will find real estate property suited for you. All you have to do is to look for a reliable property listing website or a real estate agent to show you what properties are available.

Victoria BC provides detailed information on Victoria BC, Victoria BC Hotels, Victoria BC Real Estate, Victoria BC Restaurants and more. Victoria BC is affiliated with Calgary Herald.

Sunday, February 22, 2009

Personal renewal for Mastectomy Patients


While the past is gone forever, the painful experience of undergone a mastectomy can be a source of courage and determination to keep on growing into the future and to continuously lay the ground work with confident knowing that you have the power to consistently grow to achieve happiness and confident.


If you are willing to go the extra mile, your success will be inevitable, something deeper, wiser and more powerful than your previous sense of yourself. More importantly you can be a great model, to inspire and encourage others who have been through the same experience.


Yes! Surely, you can build your confident and self-esteem by not consuming too much time living in the past which often can cripple your future growth. Under such circumstances, you have to work on getting yourself back into the active life style, to feel worthy of happiness, to be physically fit and having extra ordinary health.


Now, starting your active life style by spending some time with friends at the beach or going for a swim at your local swimming pool can be very exciting and fun. If you like the idea of going on for a vacation to a nice beautiful beach, then go out there and enjoy your live. As you go along, you'll experience a sense of personal renewal that opens new possibilities. The beauty of your new adventure will get you more and more exhilarated.


If beach or swimming pools are your choice for personal renewal into and active life style, it's time for you to look for mastectomy swimwear that make you looks beautiful, feel confident and relax. Your first task is to look at yourself physically and developing a fashionable style that look great and attractive.


Mastectomy swimwear comes in all the same styles and designs as traditional swimwear. The only difference is that your special needs are handled either by selecting a suit that accommodates your existing prosthesis, or you can opt for specially-designed swimwear that includes high-tech filler material that rounds out the cup with a natural appearance.


You can buy special bras that replicate the balance and symmetry that you had before your procedure, and now you can select swimwear that does the same thing. Prostheses won't get damage by chlorinated water or salt water, but for the durability of your breast prosthesis, proper care and cleaning after a swim will keep it stay in shape.


When looking for your mastectomy swimsuit, make sure your mastectomy swimsuit provide the support you need, a high neckline with more coverage around the under arm will help hold the prosthesis securely when you are in an active physical movement. A fashionable mastectomy swimwear can make you look and feel beautiful, confident, and comfortable and no one can tell whether you are wearing breast prosthesis. Bright color with a beautiful print can be more attractive and alluring.


You can find mastectomy swimsuit which feature the tummy tamer, hip minimize to give you the best silhouettes. For your daily activities, exercise and physical activities most store advice mastectomy patients to wear light weight prosthesis which is lighter then the traditional silicone form. You'll be sure to feel relax with total confident, with out worrying about the prosthesis getting out of position or restricting your activities.

About the Author

Christopher Ayu is the webmaster and author of http://www.swim-wear-in-style.com You can find this article posted on his site at http://www.swim-wear-in-style.com/Mastectomy-swim-wear.html

Saturday, February 21, 2009

Friday, February 20, 2009

Double Your New Fundraiser Using 4 Basic Fundraising Fundamentals

Fundraising has been going on for many years and will continue as a way for youth sports leagues, schools, churches, cheerleaders and many other groups to generate funds for numerous causes. When trying to organize a successful new fundraiser you should have a few keys things in mind.







Copyright (c) 2008 AIM Fundraising

For many years fundraising has been one important way for youth sports leagues, cheerleaders, school fundraisers and other not for profit groups to fund their programs. This will continue to be the case. When planning your new fundraiser there are some basic considerations that must be be taken into account to ensure that it is profitable.

Event

Choose a type of event that coincides with your type of group and your fundraising goals. If your youth soccer team needs new nets for the field, then the cost involved should be relatively small. In this case a car wash, a soccer-thon, or other simple fundraising event will do. If on the other hand you need to raise thousands of dollars for a senior trip you might need to consider fundraisers such as teddy bear fundraisers, cookie dough fundraisers, or any number of other unique fundraising ideas. When the needs are larger, it may be time to consider raising money over a few different programs and times of the year. Your specific needs will dictate the type of new fundraiser idea you should be considering.

Volunteers

Never over look the hidden talents or things that might be of interest to your group. For instance, you would not want to ask the football players to do a teddy bear fundraiser. While that might be a unique fundraiser, you probably will not have a huge sale simply because those boys are not going to be that enthused about them. Now, if what you are planning is a cheerleader fundraiser, or a new fundraiser for little kids or an all girl group, then a teddy bear fundraiser should work just fine.

Choosing The Right Fundraising Product

After first taking into consideration the interest of your volunteer force, you will also want to consider the attractiveness of your fundraising product itself. Right now, in America, the number one product in fundraising is frozen food, specifically frozen cookie dough. There are many varieties of frozen cookie dough available, but hands down the top two are the Otis Spunkmeyer brand and Chippery cookie dough.

Once a frozen product has been sold in your neighborhood however, you are forced to find a new fundraiser that will be he next best thing.This is where it gets sort of interesting. I could fill a couple of hundred pages on this subject alone. There are so many things that must be considered when trying to come up with this ew fundraiser. Things like the type of group you have, the age range of your group, the time of year. The list could go on. There are products however that have stood the test of time and consistently make groups the money they need. There are in fact some new fundraiser products that I can see will be giving frozen products a push off of the mountain top.

Some of the old standards like Christmas wrap, candles and various gift items have truly stood the test of time. There are some new fundraisers like teddy bear fundraisers and Interstate Batteries that are making a showing now to displace the old tried and true fundraisers.

Given that the scope of this article does not include how to properly choose that new fundraiser, I would simply say at this point that it would be wise to consult a professional fundraising company for that advice.

Don't Let Your Ego Get In The Way

In the quest for new fundraiser ideas, it is important to keep in mind that there are some things that you may initially think will or will not work. Many times we are inclined to pick our new fundraisers based on our own personal likes and dislikes. The thought process goes, I would not buy that product line so it must be a loser of a fundraiser. If this were the only thing to consider about what works in the marketplace, the would be no Starbucks or Seatle's Best Coffee. I hate coffee! There would also be a Sears on every corner and whoever thought that putting a retractable wheel in the bottom of a shoe would be a big deal?

When planning for any new fundraiser it is important to consider some basic options to help you decide which fundraising product is the right one for your group. The best way to proceed is really to get out of the way and go with what works.




Source: Free Articles from ArticlesFactory.com




ABOUT THE AUTHOR


You don't have to re-invent the wheel when choosing the right product for your new fundraiser. There are lots of products that will work for your group. You will find some unique fundraiser ideas that work at AIM Fundraising.


Thursday, February 19, 2009

Choosing the Perfect Jogging Stroller

When choosing the perfect jogging stroller, a very important question to ask yourself is whether you want a swivel or fixed wheel. The benefit of choosing a jogging stroller with a fixed wheel is that it will offer the stability and straight tracking that you will require. The front wheel tends to be larger on a fixed wheel model which means it will be a smoother ride for your child and will handle bumps better at any speed.



When shopping for a fixed wheel jogging stroller there are several questions you should be asking yourself. Is this stroller travel friendly? Is it important to you that your jogger stroller has a folding mechanism? Consider whether or not you it is important to you that your jogger stroller also has a bike trailer included for people that cycle. For those of you are that are off-road runners, nature trail enthusiasts or live in a neighborhood with bumpy sidewalks, you should consider purchasing a jogger stroller with sturdy frames, suspension systems and high-quality construction.



If you do not plan on actually running with your jogging stroller then you might want to invest in one with a swivel front wheel. A jogging stroller with a swivel front wheel is an appropriate choice for indoor use, such as malls and the grocery store. The swivel wheel jogging stroller is usually 12? or less whereas the standard fixed front wheel is 16?. Although swivel wheel jogging strollers are less graceful with bumps and do not tend to track as straight they make tight turns much easier. These strollers can be used in a non-swivel mode for the occasional light jog.



Choosing a swivel wheel jogger stroller that is car seat compatible is also an important decision to make. A car seat compatible swivel wheel jogger stroller is convenient for transporting your child from the house to car to stroller without having to wake them up.







Wednesday, February 18, 2009

Are Ethics Important For Professional Accountants?

Ethics in professional accountancy are of utmost importance. Now as the business and financial world is adopting international accounting and auditing standards, it is becoming all the more necessary to adhere to certain Code of Ethics prescribed by international and national accountancy bodies. Before arguing in favour of the topic, let?s have a look at some basic concepts:

Profession

A profession is an occupation that requires extensive training and the study and mastery of specialized knowledge, and usually has a professional association, ethical code and process of certification or licensing; for example engineering, medicine, social work, teaching, law, finance, the military, nursing and Accountancy etc. Classically there were only three professions: military, medicine and law. Each of these professions holds to a specific code of ethics and members are almost universally required to swear some form of oath to uphold those ethics, therefore ?professing? to a higher standard of accountability. Each of these professions also provides and requires extensive training in the meaning, value and importance of its particular oath in practice of that profession.

Accountant

Practitioner of Accountancy is known as Accountant. Accountant, Qualified Accountant, Professional Accountant or Accountancy Practitioner is a legally certified accountancy and financial expert. Accountants not only work in public practice but many of them are working within private corporations, in financial industry and in various government bodies. Accountancy (profession) or accounting (methodology) is the measurement, disclosure or provision of assurance about financial information that helps managers, investors, tax authorities, lenders and other stakeholders and decision makers to make resource allocation and policy making decisions.

Like many other professions there are many professional bodies for accountants throughout the world. Some of them are legally recognized in their jurisdictions such as British qualified accountants including Chartered Certified Accountant (ACCA or FCCA), Chartered Accountant (CA, ACA or FCA), Canadian qualified accountants such as Chartered Accountant and Certified General Accountants (CA or CGA) and American qualified Accountants such as Certified Public Accountants (CPA) etc. Some other statutory and non-statutory accountancy qualifications are Certified Management Accountant (CMA), Associated Cost and Management Accountant (ACMA), Certified Financial Analyst (CFA) and Certified Fraud Examiner (CFE) etc.

In Pakistan, the Institute of Chartered Accountants of Pakistan is the sole professional and accountancy body with the right to award the Chartered Accountant designation. ICAP is the member of IFAC (International Federation of Accountants, IASB (International Accounting Standards Board), Confederation of Asian & Pacific Accountants (CAPA) and South Asian Federation of Accountants (SAFA). The members of ICAP have reached to 4,089 as of March 1, 2007 data.

Role of Professional Accountants:

Accountants are independent business advisors. Accountants can offer an extensive range of services. Accountants can be registered auditors, can set up client?s accounting systems, can be an advisor on tax planning, or a detector of frauds and embezzlements, can do budgeting and financial statement analysis, advise clients on financing decisions, provide specialist knowledge and can help maintaining an ethical environment.

After discussing the basic concepts and role of professional accountants we are in a better position to ponder on what professional ethics is and why it is important in the field of accountancy.

Definition of Ethics

The word ?Ethics? is derived from the Ancient Greek word ethikos, the adjective of ethos, means customs and habits. A major branch of philosophy which is the study of values and customs of a person or group and covers the analysis and employment of concepts such as right and wrong, good and evil and do?s and don?ts.

Code of Ethics:

In the context of a code adopted by a profession or by a governmental organization to regulate that profession, an ethical code may be styled as a code of professional responsibility, which may dispense with difficult issues of what behaviour is ?ethical?. A code of ethics is often a formal statement of the organization?s values on certain ethical and social issues relating to the profession and practice of the professional knowledge. This also includes the principles and procedures for specific ethical situations.

Ethics in Professional Accountancy:

The general ethical standards of society apply to people in professions such as medicine, law, nursing and accountancy etc just as much as to anyone else. However society places even higher expectations on professionals. People need to have confidence in the quality of the complex services provided by professionals

Ethics in accountancy profession is of utmost importance to accounting professionals and to those who rely on their services. Stakeholders including clients, credit grantors, governments, taxation authorities, employees, investors, the business and financial community etc perceive them as highly competent, reliable, objective and neutral people. Professional accountants therefore, must not only be well qualified but also possess a high degree of professional integrity. Because of these high expectations, professionals have adopted codes of ethics; also known as codes of professional conduct. These ethical codes call for their members to maintain a level of self-discipline that goes beyond the requirements of laws and regulations. Each of the major professional association for accountants has a code of ethics.

As mentioned earlier, professional accountants can be of two types. One who work in firms or independently run those firms that provide accounting, auditing and other advisory services to clients; these are called public practitioners. Others are those who are employees of organizations and may serve as internal auditors, management accountants, financial managers and financial analysts. Regardless of the role of accountants they are adhered to code of ethics which are applied to their professional conduct although there are some special provisions for those in public practice [Reference: Code of Ethics for Professional Accountants-International Federation of Accountants (IFAC).

International Federation of Accountants-IFAC:

The International Federation of Accountants (IFAC) is a federation of all accountancy bodies throughout the world. All the major international and national associations like ACCA, AICPA, ICMA, ICAP, IASB etc are all its member organizations. The mission of IFAC, as set out in its constitution, is ?the worldwide development and enhancement of an accountancy profession with harmonized standards, able to provide services of consistently high quality in the public interest? [Ref: Code of Ethics for Professional Accountants-IFAC. In pursuing this mission, the IFAC Board has established the IFAC Ethics Committee to develop and issue, under its own authority, high quality ethical standards and other pronouncements for professional accountants for use around the world. The Code of Ethics establishes ethical requirements for professional accountants. A member body or firm may not apply less stringent standards than those stated in this Code.

The objective of setting this code of conduct is to harmonize these standards and practices on a global perspective. Public can only trust these highly professionals when it is made mandatory to observe and follow strict regulations and codes throughout the world. A professional accountant is required to comply with the following fundamental principles mentioned in this Code of Ethics:[Ref: Section 100.4 Code of Ethics for Professional Accountants

?Integrity: A professional accountant should be honest and straightforward in all professional and business relationship.
?Objectivity: A professional accountant should not allow bias, conflict of interest or undue influence of others to override professional or business judgments.
?Professional Competence & Due Care: A professional accountant has a continuing duty to maintain professional knowledge and skills at the level required to ensure that a client or employer receives competent professional service. A professional accountant should act diligently and in accordance with applicable technical and professional standards when providing professional services.
?Confidentiality: A professional accountant should respect the confidentiality of information acquired as a result of professional and business relationships and should not disclose nay such information to third parties without proper and specific authority unless there is a legal or professional right or duty to disclose. This information should not be used for personal advantage by professional accountant.
?Professional Behaviour: A professional accountant should comply with relevant laws and regulations and should avoid any action that discredits the profession.

Code of Ethics defined in ?Members Handbook? for members of ICAP Pakistan is in conformity with:
?IFAC Code of Ethics and International Auditing Standards
?International Accounting Standards
?The Institute of Chartered Accountants of Pakistan ? ICAP
?Relevant legislation

[Ref: Members Handbook-ICAP

This Code of Ethics has discussed in detail the role of Chartered Accountants in given situations. For example there are clear directives on prohibition of acceptance of gifts, long association with clients, advertising of firm?s name exceeding prescribed limits, holding client?s monies for no sound reason, disclosure of client?s records (except ones that are allowed), acceptance of fees offered by client which is less than that prevailing in market etc.

After discussing in detail the importance of ethics in accounting profession, we are to conclude the topic with this final note that accountancy as a profession is acceptable and relied upon only when ability to exercise professional judgment based on a foundation of ethics; broad but deep technical excellence and strategic awareness are exercised by a professional accountant. Only then general public can trust the integrity of this profession.

The Author is an ACCA student and is working for United Nations Population Fund, Peshawar Pakistan


Tuesday, February 17, 2009

Buying Overseas Property ? Why You Should Consider Central Pacific Coast Costa Rica

The central pacific coast in Costa Rica continues to be a popular choice for both buyers of overseas property, for both investment and pleasure.

Here we will give you an idea of the region and its potential for capital growth, some examples of growth achieved and why it will remain popular.

Playing it safe with overseas property

If you want an established area for buying overseas property, that offers fantastic potential returns on your investment, then this region offers you just that, without the risk of buying an up and coming region or country.

The Region

The Central Pacific is a narrow coastal strip surrounded by the jungle and the mountains of the Cordillera de Tamalmanca and spectacular beaches.

Here are just three destinations in the region that property purchases in or near, can on past performance give you a great lifestyle as well as great investment returns.

Jac?

Jac? sits to the north and has long been a major destination in terms of Costa Rican tourism it is extremely close to the capital San Jos? making is just 30 minutes from San Jos?, and about 7 south of the stunning wildlife reserve, Reserva Biol?gica Carara.

The town boasts fantastic hotels and an exciting nightlife. The town is a mix of older holiday makers and a young vibrant surfing crowd.

The famous Los Suenos Marriott Beach and Golf Resort, at Playa Herradura, offers ta 250 birth marina an 18-hole championship golf course, and stunning beachfront views.

Capital Growth potential

The Los Suenos Resort for example can show the potential of buying overseas property in the region. The hotel pre sold 50 condos of 2000 square feet for $250,000. The next year another fifty were sold at $350,000.

This years upper end units are being sold between $450,000 to $850,000 and there is a waiting list!

For another example, Investors that purchased $30,000 of property in Jaco 15 years ago are now worth up to $750,000. The region remains popular and further capital gains look like being made by investors over the coming years.

Quepos

About 7 kilometers up the coast from Manuel Antonio, is the sport fishing hot-spot, Quepos and is considered one of the best destinations for sport fishing in the world and is also a magnet for surfers.

South of Quepos, the spectacular beaches of Parque Nacional Manuel Antonio present some of the country's most breathtaking ocean views.

A silvery white sand beach, with an expansive coral reef, backed by a rain forest, the four beaches of Manuel Antonio offer travelers beach, surf and natural beauty.

You can scuba dive, fish, surf, hike, turtle-watch or simply laze around and take in the atmosphere.

Dominical

A small fishing community beside the mouth of the R?o Bar? is now one of Costa Rica's major surfing destinations and is a vibrant fun place to be.

Around 5 miles north of Dominical are the Nauyaca Falls, a popular destination for travelers. The falls are composed of two cascades, plunging around 200 feet into a relaxing warm-water pool and are just two hours away.

While the Central Pacific is well known for several of its most popular beaches, this region has a host of small, secluded shores, un spoilt by the area's buoyant tourist industry.

Capital gains and lifestyle

When buying overseas property many people look at new areas to buy, however established areas that are popular can still be very lucrative and offer high potential rewards with low risk.

Keep in mind!

Many people buying property overseas want natural beauty, but they also want comfort, entertainment and good access.

This region has all of the above, look at it more closely and consider the advantages of buying overseas property here and you may be glad you did.

FREE REPORT AVAILIBLE!

On investing in property in the region for lifestyle or capital gains potential and for vidoes and other facts about Costa Rica as a place to invest and live visit http://www.costaricalandlots.com

Monday, February 16, 2009

Evaluating Properties Back On The Market

As you house hunt for your dream home, you will often see properties that have come back on to the market. So, are these properties to be avoided or a good deal?

Houses popping on and off the market are a common occurrence. The situation occurs when the home is listed and an offer is accepted. At some point during the escrow period, the buyer and seller come upon an issue that results in the real estate transaction falling apart. At that point, the seller puts the house back on the market.

When considering homes that have come back on the market, a buyer must try to ascertain why the house is back on the market. In many cases, it can be a relatively simple reason such as the buyer thought they had financing, but could not actually get it. Sometimes, the buyer will also just change their mind or determine another property better fits their needs. None of these issues should cause you any concern if you are considering making an offer on the property. There is, however, another reason that should cause you concern.

In many cases, a home will fall out of escrow because the buyer and seller cannot agree upon a solution to a problem related to the property. The problem can be anything from issues with title to the property to defects in the property. This last issue is often the problem. A buyer will perform a home inspection and find there is some expensive problem such as termites, a leaking roof or something else. The buyer then comes back to the seller and demands it be fixed or the seller provides money for the buyer to make the fix. The seller then refuses or will not offer enough funds to pay for a fix. Obviously, this situation should be a warning light for buyers considering homes that have come back on the market.

So, how do you determine the cause of the problem that led to the home being put back on the market? One indicator is the price. Specifically, you need to compare the listing prices from before the failed transaction to the current listing. A reduced price, particularly a significant reduction, is almost always an indication that there is a fundamental problem with the home. Conversely, a similar listing price can be an indicator the problem with the real estate transaction was a buyer issue.

Homes that come back on the market can present dangerous situations or potential opportunities. The important thing is to understand why the original transaction failed.

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

Sunday, February 15, 2009

Real Estate Lead Online Marketing Made Easy

Whether you're newly licensed, or an old real estate pro you need leads. They're not easy to come by, but are easier to get than most agents make it out to be.

For example, you can create an online newsletter, or ezine as it's called in the online community, and give it away via a FREE Subscription in exchange for a site visitor's email address. Many people are eager to do this, especially if your newsletter is perceived to be of high value and contains useful information.

2)Another real estate lead, online generating idea is to attract people to your web site by way of offering great web site content. People and search engines love quality content, and both reward you by becoming frequent visitors, and the more they visit, the more likely you are to convert at least the human visitors to paying customers.

You can educate them about consumer loans, the ins and outs of buying and selling homes, how to stage homes to sell for maximum profit, etc.

With the right marketing strategy, you can brand yourself as the expert in your community by providing buyers, sellers and others with community resources and powerful community property searches. You can easily provide your web site visitors with mortgage calculators, mortgage rates, school information and local weather.

3)Give your visitors a free ebook. People love ebooks, and easily give their email addresses and other contact information in exchange for them. If you don't have a free ebook there are lots of places on the Internet offering freebies that you can start collecting to give away.

One way to get a lot of freebies is to search the Internet and find a few websites offering a ton of giveaways in exchange for signing up for their newsletter. Many allow you to then turn around and give away the same products they give you.

4)Have a contest and give visitors a free entry into it, with the prizes being something of interest, or of value to them. Many of them will regularly revisit your web site to get the results, so be ready to capitalize on it.

5)Offer free, interactive services on your website, calculators, amortization schedules, and the like. The more engaging the services, the more popular your web site will be.

6)Start an online club, or a special membership area, and give your visitors a free membership. Everybody loves to feel special.

7)Finally be sure to have a place on your web site to capture the names and email addresses of people visiting your website. This is known as an opt in form and is key to your overall online lead generating success

Real Estate Search Engine optimization Optimized Web Site information can help you get your real estate web site indexed by search engines faster.

However, key to this is the uniqueness and quality of your content. The more original it is the better your search engine rankings will be. Well written, unique content will get you noticed by human visitors and search engine spiders alike, while poorly written content is virtually assured to get you ignored.

Human beings are curious creatures. They will keep their eyes glued to their computer monitors if you post fresh, useful news frequently. Search engines are just as curious, but are also needy in that they need to provide good information their searchers or risk losing them to another search engine. So they need you, like you need them.

Summarily, these are just a few ideas about how you can have effective real estate lead, online marketing campaign. Making them a part of your online marketing efforts now can pay dividends in the future.

Visit Real Estate Marketing Talk for more information about Real Estate Agent Web Sites.

Friday, February 13, 2009

Laptop Cases: A Chic Fashion Accessory


For back-to-school or back-to-work, what are the latest trends in technology fashion? A laptop bag, as protection, is a must-have. And having the bag match the style and personality of the laptop owner is just as important to enhance professional image, stylishness, and even flair.


Although laptop briefcases continue to be the most popular style in the laptop bag category, there are three new recent fashion trends, which mean more versatility for the laptop owner:


* Lightweight laptop messenger bags and sleeves for students and people on-the-go
* Laptop bags with matching, removable sleeves
* High-end laptop totes that can be used as a laptop bag or just for an evening out


Students and metropolitan dwellers, for whom moving quickly is a must, are taking advantage of the new trend in light, sleeve-like messenger bags and laptop sleeves with removable shoulder straps. Designers such as Paulpac and Kipling have created very lightly padded messenger bags that won't add extra weight while protecting a laptop. Opt to insert an additional removable sleeve for extra protection, or carry the messenger as a light, everyday bag for anything from books to gym clothes to files. Similarly, many laptop sleeves, which have traditionally been inserted into non-padded bags as added protection, are now available with their own removable shoulder strap for standalone portability. This versatility means a laptop sleeve can protect a laptop inside a regular non-padded bag, or be used by itself, carried over the shoulder to quickly move from one place to another. Key designers offering this solution are Lifepod and Mobile Edge.


Growing in popularity are laptop bags with removable, matching laptop sleeves. The bags have light padding; the matching, removable laptop sleeve is also padded to offer extra protection. It's easy to carry the laptop in the sleeve from location to location, rather than carrying the entire laptop bag. Or the bag can be carried by itself without the sleeve when a laptop is not in tow. Brands such as Kipling, Piquadro, Tucano, Melissa Beth, and Frances & Grace have designed bags specifically for this adaptability.


The laptop brief has been around for a while, and continues to be the most popular style, but what else is there? There has been an increase in high-fashion laptop totes and other styles of bags that not only serve as a laptop bags, but that can stand alone as sophisticated, fashion totes. The designs and fabrics of these accessories are as ornate as any designer handbag, and feature construction of fine leathers and more expensive findings, clasps, and stitching. Brands such as Acme Made, Gina B, Lodis, Athena and Adrienne Vittadini are driving this, allowing ladies to transition from day to evening without changing bags.
About the Author

Raffaella Camera, together with Elaine Sanders, co-founded Kolobags.com, the best place online to <a href=http://www.kolobags.com/uy laptop bags, totes, backpacks, ipod cases, and other functional fashion accessories from today's leading designers.

Thursday, February 12, 2009

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.


Wednesday, February 11, 2009

How to Sell Property to Overseas Property Buyers

Selling property to overseas property buyers is not as straightforward as selling to local property buyers. Overseas buyers are in a state of disorientation and may feel vulnerable to malpractice. This results in overseas buyers being seemingly over cautious and on some occasions suspicious of the property agent. The real estate agent?s job is to reassure and inform and never over sell. Taking a deposit to hold that condo that is about to sell any moment now will undoubedtly result in a withdrawal later on.

Real estate agents release the pressure

Overseas buyers warm to real estate agents that do not create additional pressure. Buyers are under a lot of pressure. Many are apprehensive of being ripped off. They want to know that you are legitimate and for you to prove it. The golden rule is to inform inform and inform again. Information will help sell your properties to overseas buyers. Never over sell or create a climate of pressure, after all the buyer is already under stress.

Some things you should know

A real estate agent or developer who can give the impression of being knowledgeable about their locality and about the property in question is half way to gaining the confidence of the nervous overseas buyer. Information that you may not think relevant such as visa applications , importation costs, taxation, mortgage process, building insurance, local taxes, the buying process in your country are to name but a few.

Develop your powers of empathy.

Real estate agents selling property to buyers from abroad need to have the power of empathy. Ask yourself what I would feel like buying a property in a foreign land. How would I recognise a good agent and a good deal? What information would I want my agent to know?

Selling off plan or pre construction property

Real estate agents selling a new property to an overseas buyer should be prepared to answer these typical questions.

1. What guarantees do I have that the developer for this new property will not go under?

2. Will my deposit be placed in an Escrow account?

3. Tell me about the building company, what work have they done in the past

4. Has the builder secured planning permission and local permissions for the project?

5. Are there any legal safeguards for foreign investors in the case of non-completion or poor construction work by the developer?

6. If I decided to sell before completion of the project, would that be possible and would I be penalized in anyway?

7. How easy is it to buy and sell property in this country?

8. What if I decide to sell the property?

9. Are there any other fees while the project is being built and what about after completion?

10. What do you anticipate the rental income to be once the facility opens based on current rates at similar properties?

11. What is the payment schedule?

12. What happens if the building is delayed?

13. What is the rental yield I can expect?

14. What are the tax and inheritance implications?

15. What is the buying process in this country?

Selling property to overseas buyers a road to success

Selling property to overseas buyers can be very challenging but rewarding experience. The agent that holds the buyers hand throughout the process will undoubtedly be the agent that successfully sells to the overseas buyer.

Copyright 2006 Nicholas Marr

The author Nicholas Marr is a lifetime property investor and CEO of Marr International Ltd. His company is responsible for one of Europe's fastest growing overseas property web sites at http://www.homesgogast.com

Monday, February 9, 2009

Sunday, February 8, 2009

Dallas Real Estate

With a little over a million residents, Dallas ranks as the second-most populated city in the state of Texas, which is the second-largest state, by area, in the United States. Dallas has a lot of interesting real estate options to offer, ranging from ranches to gated communities. Though ranches that go with the usual Texas image are still available in the Dallas county area, the city has a lot of impressive houses, apartments, and commercial property for any prospective resident.

Six districts make up the city of Dallas, which comes under the Dallas-Plano-Irving metropolitan division of the Dallas-Forth Worth-Arlington greater metropolitan area. The prominent suburbs of Dallas are Allen, Flower Mound, Colleyville, Frisco, Keller, McKinney, Plano, Southlake, and Irving, to name a few. These areas offer gated communities, golf course communities, lakefront homes, homes with acreage, horse properties, retirement communities, and commercial property. Within Dallas, the popular areas are Oak Hill, North Dallas, Casa Linda, Knox/Henderson, and downtown Dallas.

As per the U.S. Census Bureau data for 2005, the average home price in the city of Dallas is $179,920, which is only marginally higher than the national average of $173,585. However, the Dallas county area, which includes the suburbs, has a much lower average, at $125,922. The median rental price in Dallas is $328, which is considerably lower than the national median of $471. There is almost an equal share of owner-occupied and rental units in Dallas, with the former accounting for 42%, the latter 52%, and approximately 6% remaining vacant. This looks quite different from the national picture, where owner occupied, at 60%, is twice that of rental units.

Dallas area real estate comes with easy access to the Dallas-Fort Worth International Airport, which is the world's second-busiest airport. There are many schools and universities, like the University of Texas at Dallas, University of Dallas, and Southern Methodist University. These important aspects of this area have helped create a very vibrant real estate market in Dallas.

Dallas Real Estate provides detailed information on Dallas Real Estate, Dallas Lake Front Real Estate, Dallas Real Estate Agencies, Dallas Commercial Real Estate and more. Dallas Real Estate is affiliated with Austin Commercial Real Estates.

Saturday, February 7, 2009

Affordable Homes In California A Myth Or A Reality?

In one of the most expensive real estate markets in the United States, how do you find a home in California affordable? It is simple. Don?t overextend your budget. In today?s market where lay offs are occurring and real estate sales are on the downslide, make sure you choose a home you can afford. If you?re laid off or you lose your job for whatever reason, you want to ensure you can still afford your payments and hopefully have some money to spare if an unforeseeable event such as job loss occurs.

Keep in mind not to select a home that will have your mortgage payments exhausting all of your resources in cause of emergencies. Most financial advisors recommend you have at least six months salary in savings in case of emergencies. If you saddle your budget with a huge payment, it might not be possible to do accrue such a savings. So can you afford a home in California? Sure, as long as you know your limits, budget accordingly, and don?t over extend yourself. However, chances are that if you are home shopping in California, you?re employed there as well. Congratulations! You?ve joined one of the top paid states for median income. So with higher salaries, a higher-priced home is more affordable to you. With most of California?s residents purchasing homes using up to 50 percent of their income, it?s better to be safe than sorry. Always keep a level head with thinking of how much you make and how much you can afford for you and your family.

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Friday, February 6, 2009

First Time Home Buyer Tips

Buying your first home can be a frightening and daunting experience, but it doesn't have to be. In fact, it can actually be enjoyable, if you take the necessary steps to make sure you're ready to go through with the transaction. Here are some ideas on how to make your first home buying experience more enjoyable and less traumatic.

First, it's important to know just how much home you can afford. That will help you avoid the heartache of finding a home you love, only to discover that it's beyond your means. Find out what price range you need to be shopping in BEFORE you start looking!

One of the best ways to do that is to call or visit your local lenders and find out what types of loans are available and how much you can qualify for. There are many different types of loans available, and if this will be your first home, you'll have even more choices, because there are a number of programs specially designed to help people make their first home purchase. Talking with loan officers will also give you a chance to find out what other fees are involved in getting a loan. That way, you won't receive any unpleasant surprises when it comes to finalizing your mortgage transaction.

Find a real estate agent you're comfortable with, but also make sure they're knowledgeable about financing, real estate prices, and sales procedures in your area. They should also be able to demonstrate some success in negotiating sales. That's not to say there aren't good people in the field who are also brand new, but you'll want someone who can hold your hand throughout the process.

Don't sign an agreement to work with just one agent. If you agree to pay a commission to an agent, it obligates you to do that, even if you find a house yourself that's being sold by an owner. Keep your options open!

Create a checklist of the things you want most in your new home. It will help you stay focused on the things that are important to you and will serve as a reminder to look for those things in every home you visit. That way, you won't get overwhelmed by seeing many homes or get swept away by a home that's dramatic but doesn't contain the elements you're looking for.

Once you've found a home you like well enough to make an offer on, have a home inspection done by a reliable person. Especially if you're looking at a For Sale by Owner (FSBO) home, you may not want to agree to use the home inspector they suggest. Ask around and find one of your own.

Finally, don't let anyone pressure you into signing either the purchase papers or the loan documents without examining them closely. You have the right to read and to understand what you're signing, so take all the time you need. If you feel as if you need legal advice, ask to be able to show the papers to your attorney.

Buying a home doesn't have to be an exercise in frustration and terror. If you pay attention to details, gather the necessary information, and stay focused, it can be one of the most exciting things you'll ever do.

Copyright © 2006 Jeanette J. Fisher

Free ebook: Credit Tips for Mortgage Financing at http://worryfreecredit.com

Jeanette Fisher teaches six steps to buying your first home. Free First Home Buyer Info

Thursday, February 5, 2009

The Abt Audi R8 Dream Sports Car

What separates cars from dream cars? The former basically includes cars that may be considered as necessity; you know ordinary transport that takes you from point A to point B and then back again. Dream cars however, are another story since they include the array of supercars that makes your heart flutter and transforms the road into a stage for you to show off.

The Abt Sportsline?s R8 is another addition to the selection of dream cars and is preparing to get ready to overtake the other sportscar in the battle for prestige. The design studies conducted by Abt for the Audi R8 has lead to the creation of one of the sportiest sports car that Audi?luxury unit of Volkswagen and recipient of quality VW vent visors-- has ever had?the Abt Audi R8.

Abt a Kempten-based tuner has been able to perfect an excellent serial model like the R8 down to its littlest details and at the same time be able to accentuate the R8? s racing genes. The front of the Bavarian R8 displays the signature Abt face.

The front of the Abt R8 is basically a part of an overall concept that brings about phenomenal roadholding. Its unique and beautiful rear with its four inclined arranged exhaust end pipes, together with the rear diffuser and extravagant rear wing gives the front of the Abt R8 with a look that is both classy and compelling.

The add-on parts equipped on the super sports car from Allgau-region enhance downforce and create a perfect balance of the front and rear axis. Such add-ons are especially reserved for only a few cars. The sideblades and the side skirts were especially created for the Abt R8 to enhance its aerodynamics.

The aerodynamically efficient Abt body kit also includes carbon-fiber parts that has not only enhance the looks of the Abt R8 but also display the state-of-the-art Bavarian precision work. The R8 will also sport a carbon-fiber bonnet that does not only reduce weight but also optimized weight distribution of the Abt R8.

Design and technology innovations do not only come from Maranello or Sant? Agata Bolognese but also from Kempten. The Abt R8 is going to be one striking dream car with genes derived from a top-class race car. This car is expected to challenge the likes of Lamborghinis and Porsches. And with regards to the anticipated performance data the Bavarians are traditionally discreet. But these initial data already amazes sports car fans and makes them want to drive Bavarian horses.

The Abt Audi R8 revs up 530 hp (390 kW) drawn from the 4.2 liter V8 Abt supercharger engine and comparing it with the serial model which already shows impressive performance data it means that the Abt R8 has a significant power increase of 110 hp or 81 kW. The brand new Abt R8 20-inch BR wheels are stylish and complement the R8 on the road.

The all-wheel-drive dream car sprints from 0 to 100 km/h in a matter of 3.9 seconds and reaches top speed of 317 km/h. Such values reflect an extraordinary super sports car that is waiting to be driven. The Abt suspension equipped on the Abt Audi R8 is adjustable in height, pressure and rebound. This suspension increases the performance and driving comfort of the super sports car and can be adapted to the requirements of its driver. The Abt Audi R8 dream car is turning into reality this coming autumn.

For more about your VW vent visors needs like , visit your trusted online source.

Benjamin Hudson works as a supervisor at one of the top engineering firms in the business district of Louisiana. He is also a freelance journalist and has passion for anything automotive.


Wednesday, February 4, 2009

Promotional Products School Branding and Where They Come Together

When making purchasing decisions for the school year, pretty much anything a school will buy could also bear the school's mascot, but frequently won't. The unfortunate fact is that there are a number of schools that do not factor in branding when they are planning their annual budgets, when they really should. Those schools might simply not realize that the industry has more than your typical pompoms and jerseys that they can imprint a school mascot on. Not to mention some schools might not even see the benefit of maintaining their brand.

The term promotion product covers a wide swath of products, and there is a wide variety of school-related items that can be found. Just as in the case of an employee gift, a good student gift or reward will be something students will use and not simply inexpensive. A well made binder that is embroidered with an image of the school's mascot would encourage school pride in a student. Your promotional items distributor doesn't just make leather tote bags or stylish messenger bags that are only suited for business execs, either. While these do exist, there are also backpacks that cater to students of all ages available to be imprinted. Backpacks are something any student will be using in a modern school setting as the number of schoolbooks they carry around increases each year.

Even a small school can take advantage of branding opportunity that promotional products will bring. Even small elementary schools or junior colleges can be a matter of pride for the surrounding community. Donated items with school logos on them will help establish a vital symbiotic link to the community and contribute to an interest in the welfare of the school's students.

Starting around high school and college, you'll frequently find students who love to show their school spirit and can do so with help of promotional items. Just as branded products can link a community and school together, they can form a connection between the student and school. A student body that feels a connection to their school inspired to make better grades. As a graduation present, a customized product bearing the mascot they grew up with is an excellent memento of an unforgettable school experience.

Schools will find that promotional product purchases could fulfill their basic supply needs for the year, even if they're working with a limited budget. In the early school years you've got the basics: Scissors, crayons, and glue. General office supply purchases, or even the later grades, are readily available as well: rulers, pens, pencils, and paper. The opportunities to save money in this manner are found for any grade, from as late as high school or as early as kindergarten.

An imprint will often be included in a product's price and will serve to compound the savings. This is always a part of the promotional industry purchasers must use to their advantage. Simple things like pencils or stationery that bear a school's colors or mascot inevitably make their way into the nearby community and the school becomes a piece of the fabric that binds the community together in the process.

Many organizations, businesses and schools purchase office and school supplies at their local supply store off the shelf when in reality the low cost of getting a pencil with a logo or backpack with a mascot could provide budgetary savings and extend the school's brand into the community.

Mr. Chris Ellis has three years of experience in sales and marketing consulting at various promotional products companies in the industry.

By Chris Ellis

Tuesday, February 3, 2009

Opportunity Cost and Your Long Term Care Decision

If you are out shopping for long term care (commonly abbreviated as LTCI or LTC), I'm going to encourage you to take a look at a way of providing long term care benefits that is probably new to you. On the other hand, if you are in the crowd that thinks they will never need long term care, I would also suggest you evaluate this line of thinking.

Dick and Jane are both age 65, recently retired and models of good health. They have ignored the long term care subject until recently. They just put Jane's mother, who is 88, into a nursing home. Talk about sticker shock! She is in a nice place, but Dick and Jane are not 100% certain that her assets will allow her to stay there for the rest of her life.

Consequently, they have been out looking at long term care for themselves. They figure they can afford to insure a portion of what it might cost them if they ever need some form of LTCI, so they are looking at a benefit of $3,000 a month. The premium is around $4,200 a year.

Here's a new concept that Dick and Jane must become accustomed to now that they are retired. They both had good jobs during their working years. If they ever wanted to buy anything, it was just a question of looking at their income to see if they could swing the purchase. Pretty straightforward.

Now that they are retired, most of their expenditures are going to come from investment returns on the assets they have accumulated, not income from working. So they need to understand the difference between premium cost and opportunity cost. Here's what I mean?

If they elect to buy this $4,200 a year long term care policy, the money has to come from somewhere. Chances are it's coming from the interest earned on perhaps a CD or an annuity. But there is an opportunity cost associated with paying the premiums from earnings on any asset.

Let's say they are going to pay this $4,200 from the interest on a CD they own which is earning 5.4% interest. Since interest is taxable, and assuming they are in a 15% tax bracket, they would have to have $91,300 in that CD to produce $4,200 after tax to pay the premium.

They can't spend the $91,300. It can't grow. Basically, they have committed $91,300 of their assets to pay the premium on their LTC policy. That's the one job of this $91,300. The premium may only be $4,200 a year, but the opportunity cost is $91,300.

Let's take a look at another of their alternatives. It's called asset based long term care. How it works will unfold as I provide the example and contrast below.

One approach to asset based long term care involves re-positioning $91,300 of Dick and Jane's CD to a combination long term care/life insurance policy plan with an insurance company. Here's what moving this money does for them?

The money on deposit with the insurance company grows at interest, but it is tax-deferred interest so the insurance company will not send them 1099s every year for an amount they have to pay tax on like the bank is required to do. In 10 years, assuming current rates, the $91,300 will grow to $127,000; in 20 years $161,000. The CD, remember, does not grow, as its job is to spin off interest to pay the annual $4,200 premium on the traditional LTCI plan.

If either Dick or Jane needs any form of long term care, the insurance company plan will pay them $3,900 a month for 50 months--$900 a month more than the traditional plan.

But here's the real kicker.

If Dick and Jane never need long term care, then the camp that doesn't buy it would have been right. If Dick and Jane bought the traditional long term care plan, in 10 years they would have paid out $42,000 in premiums and about $7,400 in taxes on their CD interest in order to net out the required premium. That's a total of $49,700. The $91,300 portion of their CD would still be $91,300.

However, if Dick and Jane never need long term care, chose the asset based long term care plan and both die, for example in 10 years, the outcome is different. They have paid no annual premiums and the life insurance company will pay about $198,000 tax free to their kids.

Which sounds like a better plan?

Robert D. Cavanaugh, CLU is a 36-year financial and estate planning veteran and author of the free newsletter, The Estate Preservation Advisor. For cutting-edge, easy-to-understand financial planning resources and techniques to increase your income, reduce taxes and preserve your estate, go to http://theestatepreservationadvisor.com/freevideo.htm


Monday, February 2, 2009

Back Pain And The Office Worker

Back Pain and Facts

At least 120 million working days are lost every year because of people's back problems.

Back Pain and Facts

At least 120 million working days are lost every year because of people's back problems.

10% of all major back injuries take place whilst handling, lifting or carrying.

Nearly two thirds of adults mostly in their 20's and 50's, experience back problems.

Back Pain is the single greatest cause for time off work through ill health.

Every person complaining of back pain, and any related condition, takes an average of 13 days off work.
(Shocking huh)

Unfortunately, you won't find a magic wand to cure your back problems, but you will find that you can improve or prevent a lot of problems by adopting back-friendly work habits.

Manual Handling

If you think about it, we all manually handle throughout every day of our lives, but have you ever stopped to think just how you go about it...

Do you bend from the waist (naughty),
Do you twist without moving your feet,
Do you slouch in your office chair,

How do you pick boxes, or your screaming toddler up from the floor?

If you sat down and thought about the weight you lift during a normal day, you would probably die from shock because it probably run into tons... Ha, is there any wonder you have those aches and pains?

If you must lift something...

Bend your knees rather than your back,
Keep your feet wide apart to provide stability (This is really important)
Carry objects close to your body
Bend again at the knees to put the object down
When carrying loads, try and lighten them, i.e. try and break them down into lighter smaller loads and store them in areas which are easily accessible.

How do you rate when working in an office?

Make sure your chair is comfortable and adjusted for you, (not everyone else)

Sit so your pelvis is upright
Try and ensure your thighs are at a 110 degree angle to your trunk

Ensure the lumbar support of your chair fits the small of your back so it maintains the natural S shape of your spine

Ensure the armrests of the chair touch your forearms, when your shoulders and elbows are relaxed at your side (This helps to avoid strain in your neck and upper limbs)

Ensure the seat depth allows your bottom to be at the back of the seat with a two finger gap between the front edge of the seat and behind the knees. (Ensures adequate thigh support whilst allowing movement without obstruction).

Make full use of the chair movement especially when reaching for items such as the phone

Don't slouch
Alter your position frequently when using a keyboard
Move if you are uncomfortable. (It's surprising how many people don't)

Change your posture frequently to give your muscles a break
Take frequent breaks from your desk (And no it's not an excuse for a cigarette break)

Keep your mouse and telephone as close as possible (Allowing you to remain relaxed and in a natural position at your desk)

Ensure your monitor is square on so you don't have to turn your head to look at it. (Document holders are handy)

Ensure your screen is at arms length away from your face so the top of the screen is horizontal to your eye line.

The next time you are at work again, open your eyes, and just see how much damage your office job is doing to your back...You just might be shocked.

ABOUT THE AUTHOR

Kim is a Back Care Advisor working in the UK for a large hospital Trust. She's passionate about back Care, and can be found at www.backpain-free.com and www.nursing-hints.com


Sunday, February 1, 2009

New York Without Luggage Reservations or Fresh Socks

New York is an impossible place - an overbuilt island with a nasty climate, horrendous traffic and . . .magic. What's not to love? Our day trip to Manhattan was typical John and Laura - last minute. It was post Christmas and very cold after a snowstorm. The sky was bright blue and the wind was piercing as we stood at the bus stop in John's New Jersey hometown - Kearny. I, weak and pathetic after years of mild L.A. weather, huddled in a nearby store while John, the native, stood in the cold without gloves or scarf. He deigned to wear a hat, at least. I had in my pocket $40, an American Express card and a lipstick. Oh yes, and a one use camera. Little did I know we wouldn't be back in Kearny for almost two days.

We took the excellent DeCamp Buslines bus over, warm and comfy. I watched the gritty landscape pass by, crumbling and winter-cracked overpasses, plenty of graffiti, salt-beaten cars. This is not a romantic way to get to NYC but a warm one. My dad the Scottish immigrant actually arrived via ocean liner and his first sight of America was of the Statue of Liberty. He even passed through immigration at Ellis Island. Now that's an arrival in New York. We got off at the grungy Port Authority where a taste of the winter wind had even John admitting he needed a scarf. He bought a post Christmas bargain for $6. One thing you can do and want to do in New York is walk and we were soon warm enough as we marched out into the late morning and headed to the Metropolitan Museum. The place was thronged with families off school and work, plenty of art students and a well-organized staff. I was finally warm and very reluctant to get into the long coat check line and surrender my security blanket, but the line moved fast and we soon had our coat tags and dove into the crowds. John knows his modern art and we visited a lot of his favorites after an elegant snack in the caf. The American Express card got its first of many uses there. We then traded off putting up with exhibits for each other. I examined the vintage baseball card collection for him and he joined me for the costume exhibit, focusing on the Duke and Duchess of Windsor's elaborate clothing. God those two could really dress - but then again maybe that was all they really had to do. . .

A couple of hours in a museum was plenty for us so out into the air we went. It was warmer at last. I hadn't been to New York since a lone high school trip many years before, so I had to see some of what I had seen before just to compare notes with myself. Central Park was easy since it borders on the Met. Yep, still a big beautiful park. In winter kids were sliding down the modest hills and dogs romped - well they were dogs whose owners lived on the park so maybe they sashayed. The Plaza Hotel was also on the list of places to revisit. The lobby was as lavish as I remembered but it seemed smaller. Do all things shrink year by year? Or are they so big in your memory the present can never match the past?

New York is one of those places where the present does exceed the past, because it always has something new to show you. Last time I had done three theater shows, had a carriage ride through Central Park, visited the Statue of Liberty and Empire State Building, watched the St. Patrick's Day parade, all in four days. So this time I could relax, right? Well why relax in New York? We had cellphone numbers for our respective friends and were secretly grateful when we couldn't reach any of them. The night would be ours - the plan was to catch a late bus, train or something back before they all stopped running. Rather than the subway, we used our all day transit passes and took the aboveground buses, which may not seem hip but run all the time and stop at convenient places. Cabs are not the necessity you might think they are. John wanted to show me the Village, one of the places where he had lived during his 6 years in the city. Dusk came quick and our first stop was an Internet caf to check email. That's when the idea to stay over started brewing. Maybe we could get some kind of online deal for a last minute hotel for that night. We mulled it over at venerable McSorley's, a beer-only bar where women were not allowed until the '80's. The waiter remembered John and found us seats in the raucous holiday crowd. We somehow ended up at a table of college friends reuniting after stints in Arizona - or were they all headed to Arizona? The beers were flowing and the facts got fuzzy. They took our picture - recording us for posterity in the kind of winter get-up we'd never be wearing in California. McSorley's serves two kinds of beer - light and dark, both their own brews. Snacks consist of cheese, onions and hot mustard. And, oh yeah you have to order beers in sets of two, no splitting. Sawdust on the floor and dark wood complete the picture. After the beers it seemed to make sense to stay over and spend a great New York night without worrying about catching a bus back to New Jersey. We booked the Soho Grand for an okay rate and knew one thing for sure: at last we would be sleeping on a smooth surface after four sleepless nights on a sheet stretched over lumpy rocks - otherwise known as the ancient family guest room mattress.

Before the Grand was dinner - we decided to walk around and look for a likely place. John has no trouble asking local-looking people where they like to eat and they were happy to help. What's this rumor about bitter New Yorkers? Of course I was introduced as the visitor from L.A. so they had all the more reason to be sure I got something besides sprouts, tofu and sunflower seeds. We stopped in for raw oysters and champagne at a small but packed restaurant. It got to be around 9 and we figured we had a shot at getting into Balthazar without a reservation. Sure enough, we only had to wait about 45 minutes at the bar, pacing ourselves on the drinking by this point, believe you me. Dinner was quite wonderful, though I let myself get talked out of a local fish - cod - and talked into Chilean sea bass, which is unavoidable in L.A. restaurants The waiter had obviously spent his childhood pushing cod around his plate and pretending he'd finished it. John's ravioli was phenomenal and led to him to keep perfecting his pasta and ravioli from scratch.

We rolled to the Grand with no bags to check in - I didn't even have a purse. I don't lug purses around as they are a drag to carry and a magnet for muggers. We stopped at a bodega and bought a toothbrush, toothpaste and contact lens solution for me - $9, not a bargain but who cared? We then hit the hotel and noted the hopping scene at the bar - and walked right past it. We fell into bed and slept blissfully - though by morning's light we discovered the room was tiny. Didn't this used to be an old SRO hotel? They certainly didn't increase the room size when it was converted to a profit center. John pointed out the view from our window and what it was missing - the World Trade Center. Solemn moment.

We got a late check out and debated what to do. Well, eating was going to happen, but first some great walking and a truly wonderful cup of coffee at a place we ducked into. Don't ask me the name. New York is teeming with picturesque side streets with tiny cafes, shops, galleries and what not. We ended up at Veselka around 2 p.m. This is a classic Eastern European restaurant at 10th and 2nd Avenue. I got stuffed cabbage and borscht and even went for dessert. We read the NY Times at our window table and watched the world go by. But the break was over. One of the people we were to meet at last returned a cell call. Okay, I admit it, we turned the phone off for hours so as to be unreachable. I mean, ahem, conserve the battery. We arranged to meet him in midtown and walked all the way (40 blocks or so, but John the native assured me they were the short blocks, not the crosstown blocks). The walk took us across the strange diagonal which Broadway becomes and I started to get a feel for the geography of the city, something that's hard to do in a cab, bus or car. We met my friend for drinks at another guys' bar with an after work crowd culled from Wall Street. John had a White Russian that seemed to be made with maple syrup. More of a beer and scotch place I guess.

Then it was time for a hellish run to the Port Authority, both needing to find a bathroom and desperate to catch the bus in time to make it back to Jersey and a long-arranged night with the family at the Scots-American social club. Back in Jersey, Manhattan was a vision across the water again. John's brother-in- law Joey kept the wine and beer going as it was his night to tend bar, but after the night before we kept it light. I persuaded my native hosts to go back to Manhattan the next day, this time to hit the Natural History Museum. We drove over with John's Pop at the wheel of his car, nice enough to drive to a city he hates. He used to have a sidewalk stand in the Village, where John sold his original paintings as well. He reminisced about those days, and the really old days, when he met John's mom at a Catholic dance in 1949 and by age 18 was married.

We tried for close to 25 minutes to find parking near the museum and actually succeeded. Pop and I were on the lookout for a spot while John napped, still catching up on sleep after another night back on the lumpy mattress. He woke up just in time to find a spot for us, claiming we needed his expertise. Okay, but who drove up and down ten square blocks until we found an undiscovered street? Now I was feeling the real New York. Scour the place for parking or pay the astounding rate of $24 for 2 hours. Pleased with our find, we trudged to the museum where a huge line meant we could not possibly get in. What to do?

How about a trip to Hoboken? But first I felt I had to see Ground Zero. It was a crisp December Saturday as we edged through typically hellish traffic down to the tip of Manhattan. Everyone had warned me that it was just a big hole in the ground surrounded by a chain link fence. We couldn't park or get much closer but circled a little. I could see the fence was decorated - and perhaps still is - with tattered mementoes of the dead. Pictures, ribbons, poems, posters. A faded picture of a young woman stays in my mind. She is smiling in a stiff pose; maybe it's some kind of studio shot. I glimpsed hawkers selling shirts, flags and buttons - the post Christmas vacation crowd had a festive feel but I didn't get close enough to feel the other vibe I knew was there. The sad one. And the angry one.

So it was back through the Lincoln Tunnel to Jersey. We toured Hoboken, where both John's parents were born. We drove past Sinatra's birthplace, very well marked and easy to find within the two square miles which is Hoboken. We then prepared to double or maybe even triple park, per tradition, outside Biggie's Clams. It was a 1940's social club/illegal gambling joint that served food so good it had become mostly a restaurant by the '50's. I had raw clams on the half shell and was very content. East coast seafood is cold water seafood, somehow brinier and crisper than the Gulf seafood where I grew up. Maybe there is an argument for cold climates after all.

We were soon back at Pop's, greeted by his cat Duke, standoffish as ever. The guys had managed to find a New York Times for me after three tries at local Kearny newsstands. They watched football and I read the paper. We drank hot tea and ate cake and it was hard to imagine that the high rises of New York were so close to this cozy middle class street. There was more eating that night. Italian food, of course. Huge portions for your average gavone - Italian for what I had become on the trip -someone who eats everything in sight. But, New York in the winter is made for eatingwhen in Rome.

Laura Glendinning is a travel writer and Content Director for www.threedayweekends.com

ANY BREAK IS A GOOD BREAKLaura Glendinning

There is something about that extra day tacked onto a weekend, be it a Monday or a Friday, which turns a getaway into a mini vacation. Of course three day weekends are a state of mind. One hree day weekend trip my boyfriend John and I took to Vegas started on Memorial Day Monday and ended on a Wednesday. We tend to take breaks just before or just after big holidays - you get better rates, better service and a lot fewer crowds. That trip we skipped our usual easy bargain booking for midweek Luxor (always clean, excellent bathrooms) and made a blind Hotwire bid on a Vegas Strip 5 star hotel and ended up in the mind-boggling Venetian for an unheard of price - under $100 a night including service fees. Lots of California people fly to Vegas, Tahoe or San Francisco, but we seem to end up driving to our breaks, partly because the dog kennel we use is right off the 10 freeway and often on the way, partly because getting on the road means the vacation has already started. When you add up getting to the airport early, parking, waiting to board, being inspected, then collecting baggage at the other end, you are practically at the same number of travel hours. And on the plane, we don't get to eat one of John's patented toasted sandwiches. Somehow, the way he makes the sandwich means I actually eat mayonnaise, a substance I usually detest. Driving against the traffic (everyone else was heading back from the weekend away and oh what a stream of headlights we saw crawling along) we were hypnotized by the flashing lights of an outlet mall/casino combo at the border - Stateline, Nevada - and stopped in. Great bargains for men's wear, not so great for women's wear - but we didn't do a thorough search.

On that Vegas trip, we dragged our battered garment bag, with a freshly broken strap, across the lush marble-floored lobby, looking like refugees. We entered our suite-like room - with its canopy bed, step down tv lounge and huge marble bathroom (two sinks, a shower and a huge tub), pulled out the nice champagne we'd brought along in our cooler, pulled out our travel champagne glasses (if they break we don't care) and put on the plush robes the Venetian provides. A cable movie and champagne shook the dust off the road trip. The next couple of days in Vegas sometimes means the spa for me, for sure the sports bar for John, and our search for the stranger slot machines to play. The Ripley's Believe It Or Not slots actually reward you for answering trivia questions. Vegas is not really about thinking, but the times we've played the game we've gotten a few interested onlookers impressed with our ability to pull facts out of our brains. We toyed with the idea of hanging around the machines having a cocktail and helping other players answer their bonus questions but decided against it. Along the strip, the Barbary Coast has maintained its original kitsch, sandwiched between lush hotels who doubtless are sporadically trying to buy them out. The tables there are friendly and attract a mixed crowd of fairly low stakes players. Like, a lot of hotels, dealers display where they are from on their name tag. A tall, blond Czechoslovakian dealer at the Barbary Coast took John's blackjack stake away with breathless speed and efficiency. Was she paid by how many cards she dealt? She was so fast that the dealer at the next table actually seemed mad at her for ruining everyone's fun. His attitude was This is the Barbary Coast, we don't do that here. Good thing the sports book paid off for John phenomenally.

If you're into food, Vegas can be frustrating. Bargain buffets notwithstanding, to-order food is often pricey and mediocre. You can always count on chains for consistency (Vegas has branches of California Pizza Kitchen, Wolfgang Puck's, Chin Chin, and tons more), but part of a vacation is to try something new. We found two gems last visit. The two new places were both at venerable Ceasers, a survivor from the Rat Pack era which keeps re-inventing itself and staying near the top of the competitive heap on the Strip. At the Palm restaurant (also in NY and L.A.) there is a businessman's lunch for $15.95 - choice of soup or salad, choice of fish or filet mignon (!), and coffee. Wines by the glass are pricey but excellent. One of Caeser's food courts features such offerings as good southern bbq, roasted turkey sandwiches, and above average pastries.

As for dinner, we can't resist our old standby - The Four Seasons' Verandah restaurant. Their three course dinner special for around $30 is a great deal - cooked by a chef (not a kitchen worker), and always with a carefully designed menu. One night we learned there was most definitely a chef on hand as the man himself - beefy and affable - came out of the kitchen to talk when we had a question about how he made such perfect fish. I still use his halibut recipe - hot pan on the stove top, almost finish the fish, then transfer it to a cold un-oiled pan in a hot oven - but I digress. Even during the very hot summer, night time outdoor dining at the Four Seasons is quite pleasant, as you can sit by the pool. It's hard to come by quiet in Vegas, but here you get it - there is no gambling in the Four Seasons. If you want to gamble after dinner at the Verandah, the hotel is joined to Mandalay Bay by an air conditioned lobby.

We left town the next day, stopping at Ceasers , our new casual dining spot, for good coffee for the road - and contemplated a last attempt at the Ripley's slots. We decided to skip it and call it even when we learned the valet parking outside the coffee shop was free. We got on Interstate 15 and joined the weekday throng of truckers headed into California. Traffic was light 'cuz thanks to driving an off time. We cruise to Interstate 10 and can't be at the kennel soon enough for the dogs. I am sure the dogs know when we are getting close but I always call the kennel keeper to warn her. Humans need advance notice for what dogs already know. The sound of an approaching car sets off every dog in the kennel but the barking settles down once the fellas see us and know they are hopping in the convertible and heading home. Bert the shepherd sits in the middle facing forward to make sure we are following the right route. The other two mutts, Buster and Louie, lounge in the back, hanging their heads out the window, the kennel already forgotten. We never make the trip home without a few kids waving and pointing at the funny people with three dogs.

At least picking them up involves a lot less guilt than dropping them off, but sorry boys - there will always be another three day weekend ahead.

Laura is a travel and screenplay writer living in Los Angeles, CA. She is also content director for www.threedayweekends.com, a on-line travel site.

TrekShare - Crashing a Laos Wedding - Part 2Joseph Kultgen

Public Service Announcement: Drinking and driving is bad. With that said Ive drank and drove a few times in my day and have puked in the back of cars while someone drunker than me was at the wheel. My question wasnt meant to be judgmental but rather compassionate. They were drunk; the streets were dark and littered in potholes. When all is said and done I know I would have jumped on the back of either of their scooters. I just needed assurance that we werent going to take some drunken steroid infested crotch rocket ride reminiscent of high school. Youve got to hate crap like that.
The next portion of our conversation seemed to flow like there was no language barrier at all. Ton explained that he was careful to make the necessary judgements to drive safely. This wasnt one of those times when someone drinking shouldnt drive. This was one of those times a person uses his judgement correctly. The idea of harming himself or another person was foreign to him. This appears to be the norm in a society built upon few enforceable laws but harsh penalties for living. His outlook was refreshingly unique. Most of us live in a world where we arent trusted to make our own judgements. He has no choice.
I soon discovered upon exiting the gala that it had never been their intention to drive. The party was just down the street. The energy reached a fevered pitch as we rounded the corner and entered the rear of the brides house. I walked stoically onto the back patio with my head held low. I do this for a variety of reasons. The primary reason I do this is in my everyday life is because I find if I look up the craziest wacko will undoubtebly engage me in a conversation.
I did it in Laos as a sign of respect. Bowing is an integral aspect of the salutation and this way I was half way there. The depth at to which you bow and the duration all reflect your position in life relative to the person you are addressing. The corresponding hand positions are difficult if not impossible to master by anyone except for the natives so I dont suggest trying. Just keep your head low and dont look someone in the eyes unless you are given indication that its appropriate to do so. Two more reasons to keep your chin low. Lets just say that walking into a communist country like a goddamn red, white and blue peacock perpetuates certain stereotypes that affect our relationships with other countries. The second reason is simpler. People taller than the mean height of 53 will ultimately take a roof of the house to the noggin sometime during their stay in this vertically challenged land. About 40 people were comfortably dispersed in 4 primary groups. One group was inside the house and used the back patio door to supply food, drink and a constant flow of new people to the party. One of the people in this group was Ponds wife who we unfortunately didnt get to meet. She was too busy working behind the scenes. I assume its a traditional bonding time for the mother, bride and her girls.
The second group was dancing around a tree just brought out by a woman from inside the house. It was the Lamvong dance, except they were all circling the tree together. It was a small space so I can see why. The third group was a table of primarily older men drinking and a rare 2 smokers. Not many people smoke in Laos and this was the first time I saw anyone smoking in such a public space. I greeted what to me looked like the oldest guy at the table. I would say he was about 48. This is old in a country with an average life expectancy is 54 years old. He was also one of the smokers. Yeah right. Smoking kills. We grabbed two seats at the ends of the old-guys table and spurted out kop chi li li another 30 or so times.
A fourth group congregated along a makeshift bar situated behind us on the perimeter of the lawn and street. This is where the guys who brought us to the party set up camp. Within about 6 seconds of sitting down a 1/3 full glass of BeerLao was between my eyes. I took a drink and watched my friend Paul try to explain that he would prefer soda water. It was basically a long-running joke at this point into our 5-day Laotian trek. I cant explain how foreign the concept of abstaining from drinking is to the Laotian people. Laotians dont have any concept of not drinking because of personal choices. Many people dont drink often because it doesnt bode well with their health, but this wasnt the case. Lets just say it wasnt the first time people would be brought into hysterics upon a toast from Pauls soda water. It only got funnier each of the 25 additional times he declined a drink.
Being able to consume and abuse almost anything at our discretion is not the situation in Laos. There isnt the same kind of access to external factors. Their gentle personalities and suspicious nature is a reflection of their lack and oftentimes desire of material goods. This is ideologically different than western capitalism principals that are slowly being adopted since 1990. Not to mention the U.S. did conduct a secret war in 1973 that left it the most bombed country of the Vietnam War. I know you probably dont want a history lesson, but the rational was to cut off the northern trade routes of the Ho Chi Min Trail in order to curtain the spread of communism. There I said it. A few short minutes later a sharply dressed Pond walked into the party. He wore a purplish blue iridescent silk oxford with the sleeves rolled up. Both his wrists were tightly wrapped in a white cloth rope traditional Lao boxing style. He looked like a bad ass as he sat down between me and Paul. Pond quickly got offered a drink from one of the 4 people who were circling the table like vultures looking for sober victims. A variety of drinks were being served. Variety, however, is a relative word in Laos. No apple martinis or cosmos - just whiskey and beer. Up until this point I had only drank Whiskey Lao and Tiger whiskey, which appear to be the two competing, brands. At 8000 kip ($.80) per bottle I was happy to see the party upgraded to a bottle each of Johnny Walker Red and Black. One woman also carried around a pitcher of diluted whiskey and water. This is what you drank when you wanted to stop drinking. The great aspect of drinking in Laos is the one glass rule or in this case one glass and one-shot glass rule. This ensures that when you are given a drink you pound it immediately. In general when drinking beer in Laos the person who buys the 40s-esqe glass bottle pours a drink for himself before offering the glass to the surrounding people. This is brilliant for 2 main reasons. The beer stays cool and fewer dishes are made for our bride throwing the party.
Pond, myself and the rest of the people at the party continued to drink and speak in whatever means we possibly could. A lot of time was just spent laughing enjoying the collective moment we were sharing together. Paul excused himself after the party turned into an alternative version of the century club. One drink per minute for 100 minutes. It was probably during the 58th minute when the food came to the table. Traditional Lao drinking food. Rather than pretzels and buffalo wings the Lao people make extraordinary hot mango salads to entice drinking. Id eaten a super hot mango salad in Thailand just days before so I was aware what I was in for. The dish was passed immediately to me and the elder at the table began aggressively coaxing me to take a bite. I grabbed the spoon and took a small bite hoping to overt their attention. This really didnt work. Now I was being ostracized for my lack of bite. The elder took the large Chinese soupspoon and started burying it deep in the salad. His eyes and the 12 other leering pairs made it apparent I needed to bring my game to the table. I grabbed back the large spoon and made a single aggressive swoop into the salad. The spoonful of salad I pulled out was about as much as the spoon was designed to hold. Unfortunately it is nearly impossible to dump out any overabundance from the deep metal spoon because of their high vertical edges. Not much else to do but take the bite. I dont remember what happened for the next 3 minutes. I do remember about 3 minutes later feeling like my head was going to spontaneously combust and that I had probably not been breathing for the three minutes prior. Once my eyes rolled back around to the front of my head I noticed a very concerned elder offering me a shot of whiskey. This is only the second time in the evening I refused a drink. Instead I opted for an outstretched glass of BeerLao. After a quick shot of beer I lunged for the shot of whiskey and then a glass of diluted whiskey. Its a pretty amazing situation when a shot of whiskey is smoother than a hot mango salad. In retrospect I should have taken the shot first. These guys knew what they were doing. Im pretty sure Paul had returned by this point to witness my hiccuping frenzy caused by the ridiculouslly hot food. The guesthouse was locked and instead of waking up the owners twice he opted to come back to the party. What a considerate guy! The night progressed in this standard fashion for a while until Pond excused himself from the table. Much of the rest of the table cleared at this point and headed in separate directions.
Group #4 hanging out by the back bar was still in full stride. It was time for the friends and youngsters to take the reigns of the party. One of the 10 or so twenty year olds was strumming a guitar and a variety of other guys were intermittently interjecting lyrics. We werent going to leave the party without listening to some tunes. After the first few songs the guitar was extended our way. Paul was always up for hacking out some obscure song that no one in Laos had ever heard of. To be honest unless you knew Betterman by Robbie Williams, a little Nsync or the its a hip - a hop - a hip song they probably would have no clue. Paul broke out a funky upbeat song that got the crowd clapping - although at a very different beat than the song suggested. Next we broke out Creep and some of the guys joined us in singing the melancholy mumbling of Radiohead. It was probably the loudest we ever sang that song. Pretty soon DJ Jacky Joe was at the stereo plugging in burnt CDs from Malaysia and Thailand. Most of the music was completely unfamiliar to me, but there was a couple of compilation CDs that caught my eye. I recognized 2 songs. The Final Countdown by Europe was the first track and I hadnt passed this song by since 1985; so why start now? The crowd seemed to like my selection based on the amount of air guitar I saw being played. Next up was a little Beat It by Michael Jackson. Unfortunately this was the worst karaoke version of Beat It Ive ever heard. In retrospect the complete lack of knowledge of Michael Jackson has got to be a good thing for any society. The party slowly unwound into a sparing match between a 4-foot tall Bruce Lee fanatic and myself. After a few tornado kicks, a mock punch to my nuts and a lot of posturing it was time to go.

This experience opened my eyes to a country that first started allowing Westerners to enter in 1989. Our knowledge and experiences are skewed by the boundaries and institutions we place ourselves. It was wonderful to escape to a place where those boundaries are outside any field I have ever walked.

2003 TrekShare LLC - Reprint with Permission.

Joseph Kultgen is co-founder of www.trekshare.com and has been writing the monthly newsletter - TrekNews - for the past 3 years. He is a contributer to STA Travel and Gap literature as well as a co-creator of TrekTV.

TrekShare.com - Crashing a wedding in Laos - Part 1Joseph Kultgen


Any reasonable person would think it slightly off-color to crash a wedding. When that wedding happens to be in Laos
who is to say if its inappropriate or not? Whom am I kidding? I was well aware of the potential drawbacks of dropping in on an event that I was clearly not invited. It
wouldnt be the first time leering eyes would be cast upon me as I casually pressed my way up to the buffet table. Lets regress for a minute. Some people might not know what the word crash means in the first sentence. For those of you who have been sheltered from large community centers/bowling alleys for the duration of your lives I can understand. Its been my experience that a bowling alley in the same venue as a wedding reception brings out the largest proportion of uninvited guests or what we like to call wedding crashers.
That certainly wasnt the case here. No bowling alleys in Laos! In particular no bowling alley that doubles as a reception hall. This of course is not a researched fact, but Im willing to bet anyone 100,000 kip that in two weeks you couldnt find any sign of the leisure sport of the drunk. Lawn bowling doesnt count. For all I know lawn bowling or occe ball is their national sport eclipsed only by badminton and a game of hands-free volleyball played with a wicker ball. The name eludes me almost as much as the skill needed to play the sport. The truth is I was hungry. A traditional Lao massage administered by blind women in the late afternoon completely wiped me out and I had just woken at 11PM from a 4-hour nap. If youre still reading this you might wonder how does one get wiped out from a massage. Arent these things supposed to be relaxing? Yeah and no. Primarily NO in my case. It appears that the muscles from my toes to my thighs dont like to be physically manipulated away from the bone as the massage suggests. For a mere 30,000 Kip or $3 US an hour massage from a skilled therapist seems like a great deal. That is if sometime in that hour you dont burst all the blood vessels in your face from wincing so hard. If my therapist hadnt been blind Im pretty sure she would have thought she was killing me. I would have felt like a puss so I broke out the yoga breathing and prayed not to succumb to hyperventilation.
Regardless, it was now 11PM and if I didnt move from my guesthouse quickly there would be little chance of finding any late night eatery in Luang Prabang. Places tend to close after the electricity cuts at 9PM. Things looked bleak upon leaving the guesthouse. There didnt appear to be any lights, tuk tuk drivers or for that matter people in site. There was, however, a clear path of music being generated from beyond the cement building horizon.
Sounded like a party. Parties oftentimes have food. So off we went. At this stage of the story I introduce you to my friend Paul who spent most of the duration of the night within earshot of me. It became clear to me as we rounded the first corner that the music was definitely coming from this street. It was time to move beyond my usual sloth like pace caused by the extreme heat and humidity. I could see a few motor scooters in the distance coming and going. As we got closer it became evident that this was the real deal. People were hopping on their Chinese mananufactured motor scooters in suits with beautiful Laotian women draped over the backs. They sit sidesaddle because their silk skirts or sins wraps tightly down to their ankles. A quick decision was needed as we approached the entry gate. Just walk in slowly and pretend Im not with the poorly dressed vagabond to my side. This wouldnt work. We entered the gate, saw about 20 people sitting at tables and another 30 or so under a wooden canopy dancing to live music. I noticed there werent any people doing the drunken hook-up stager that are so prevalent at weddings in the states. The vibe was comfortable, respectful and fully devoid of my wedding experiences. I made a b-line for the 15-foot buffet table. It was definitely the path of least resistance. It was obvious that everyone had finished eating at least 2 hours prior and the table was in the process of being taken down. Seemed fairly logical that I grab a spring roll and dowse it in some spicy papaya sauce before it becomes a leftover. Before I could even put the first bite in my mouth a pair of women rounded the table and handed us all the utensils we needed. Kop Chi Li Li or thank you spewed from mouth about 100 times in the next 3 minutes. They either liked the way I pronounced the phrase or had giant hearts because their smiles stretched from ear to ear. The buffet had what appeared to most of the staples of the Laos diet. There was a type of yellow chicken curry, some spicy beef, spingrolls, fresh vegetables and a giant vat of sticky rice. Within seconds of loading up our plates the two drunkest 20-year olds at the party pulled up four chairs for us. One for our plates and the other for our asses. Before even taking my first bit I had a 1/3 glass full of BeerLao between my eyes.
This is where the story takes a dramatic twist. It is not because I started drinking. Thats a little later. The twist is because this story is being composed for Break Magazine and they dont allow any references to drugs or alcohol. Therefore I have written two versions. The one where I drink myself to a point where I believe I can understand the Lao language is the version you are reading. Although we were given utensils I chose to forego the westernization of the land and eat using the dipping technique utilized by most people. Three bites in and once again a 1/3 full glass of BeerLao is between my eyes. The young man offering the glass was pimped out in a black tuxedo and appeared to be the kind of guy whom you should accept a drink from. Another kop chi li li, a swig from his glass and we were friends. I pulled up another chair for the special guest and we began to speak. The conversation took a slow start. Not because of tuxedo man, but rather because I had been so used to talking to people who spoke absolutely no English, that I was conversing like a trained monkey.
Shortly into the conversation I learned Pond was indeed the honored guest at what I learned was his wedding. The handsome 24-year old had just been hitched and he oozed elation. As I scarified down my food I learned he works for the Lao government as an AIDS educator. He also told us about a cousin of his who lives in NYC and his desire to my town. My door will always be open. Laotian men usually marry in there twenties. The bride is usually younger. She will most likely be from the same village and will probably be related in some degree because most villages are small. Couples choose each other, but the heads of both families decide when the couple will marry, where they will live, and what bride price must be paid to the girls father. This is usually in currency, although in olden times it was in livestock or grain. The grooms family delivers the bride price to the brides father on the day before the wedding. The grooms relatives parade to the brides house with gifts of food, tobacco, betel and so on. The groom makes his formal request for the bride. Her family, after a long-winded, purely ceremonial show of reluctance finally agrees. In the presence of a bonze or village elder, the couple is officially betrothed. The next day, the groom and his relatives again proceed to the brides house, where they make a great show of fighting and bribe their way into the yard. The groom must persuade the brides sister to wash his feet before he can ascend the steps to the house and claim his bride.
Divorce is rare in Laos, partly because each marriage concerns everyone in two large, extended families. If a marriage is dissolved, the bride price has to be returned, and there are endless complications concerning inheritance and land use. It is much more sensible to compromise. Working things out, in general, is the Laotian response to almost every conflict. Isnt that a novel idea? In the background we watched the nucleus of the party dance. Thankfully there are no traditions of the Marquerena or chicken dance in Laos. This is one of the things Im happiest about. Tonight they danced the Lamvong. Its a combination folk dance and courting ritual. Girls dance in place with short, rhythmic steps, while boys weave circles around them; no one touches. The faces of the dancers are completely expressionless, but their arms and hands wave in complicated patterns expressive of love and devotion. Frankly, unless you are Laotian, you will end up looking like a queen doing this jig. The groom apologized to us that the party we crashed was almost over. He insisted we accompany him to the parents of his wifes house for an after party. The two guys sitting next to us indicated that they would escort us to the party. Pond cordially dismissed himself and affirmed our attendance.
As soon as the 48-ounce bottle of BeerLao was cashed we would head out. As the pace and the amount of the beer in the glass increased I decided to engage the transportation question. I was pretty sure these guys had scooters. Frankly Im not a big fan of riding on the back of those things in any situation. In addition, I was positive both these guys were half in the bag. Through struggled words and gulps of beer I asked our new friends about drinking and driving.

Joseph Kultgen is co-founder of www.trekshare.com and has been writing the monthly newsletter - TrekNews - for the past 3 years. He is a contributer to STA Travel and Gap literature as well as a co-creator of TrekTV.