Saturday, May 30, 2009

Prom And Homecoming Dresses For The 2006 Season.

Now is the time to start searching for prom and homecoming dresses for 2006. It?s nice to allow yourself plenty of time, so you can relax and enjoy checking out all those gorgeous dresses before you decide which one is going to be absolutely perfect.

Before you begin searching for your prom or homecoming dress, you should have a clear idea in your mind of whether you?re looking for a full formal, semi-formal or dressy casual style. Most high school proms are full formal, so it?s the perfect opportunity to wear that full length ball gown you?ve always dreamed of, or the kind of sophisticated formal dress you would reserve for the most glamorous occasions.

A homecoming dance or event will usually be less formal, but the dress code will depend on the event and on your particular school?s tradition. The best way to get an idea of the kind of outfit which will be most appropriate is to just ask the senior students, or graduates if you know any.

Now is the time of year when the major trends are beginning to emerge for the coming season. There are a number of looks which are shaping up to be the big trends for 2006, so you have plenty of choice.

Prom and Homecoming Fashion Trends for 2006

Black is the new black. Of course, classic black never really goes out of style, but the sophisticated black dress will be one of the strongest trends for the 2006 prom season. Slinky shapes with glamorous floor length skirts are the main focus.

Bold, dramatic black and white will also be an important look, in particular the classic black and white paneled bodice with a solid white A-line skirt. We?ll also see solid black dresses with dramatic white detailing.

Winter white is still an important look, particularly with silvery beads and details.

Colors for 2006 will be bold and dramatic. Soft pastels have most definitely made way for striking rich reds, dazzling blues, sparkling golds, sunset yellows and even tangy citrus orange tones. If you like to be really daring with color, this will be the year for bold contrasts of two or more strong colors.

The sexy Grecian style gown is tipped to be a particularly hot look for the 2006 season, after Kelly Clarkson really turned heads with the stunning gold silk dress she wore at the VMA Awards in August. If you have a sensational figure, now is the time to really show it off!

Strapless ball gowns were the main attraction at the Golden Globe Awards in 2005, worn by everyone from Kim Kattrall of ?Sex and the City? to ?Friends? favorite Lisa Kudrow, so we?ll be seeing a lot of this fabulous celebrity style in the upcoming prom season.

Fabrics will be shining, lustrous and glamorous, with satin and silk the main focus. We?ll also see lots of flowing chiffon, classic taffeta and gorgeous organza.

Beads, sequins, rhinestones, glitter, embroidery and and specialty detailing will also be a major trend, so if you love a little glamour it?s definitely going to be your year. There will be lots of beautifully beaded necklines and embroidered bodices. Extravagantly romantic lace, ribbons, tie-backs and bows will also be very much in vogue.

There?s no single strong trend in hemlines; it?s really a case of anything goes, be it a full floor length skirt, tea length, short or daringly short. We?ll also see everything from cheeky handkerchief hems to classic A-line shapes, long skirts with trains, funky asymmetrical hemlines, sexy slit dresses, and even elegant ballerina skirts. It?s really a matter of choosing the skirt shape and length which best suits your figure and shows off your assets.

Prom and Homecoming Accessories

Beads and embroidery will also be in very much in vogue for prom and homecoming accessories. There will be lots of beautifully designed beaded and embroidered purses and shawls to complement the season?s gowns.

You can never go wrong with strappy mid to high-heel shoes to complement evening wear. Bear in mind when you?re choosing your shoes that you not only want to look sensational, you also want to keep dancing all night, so look for evening shoes which are comfortable as well as stylish.

An alternative shoe style which will make a surprise appearance in 2006 will be ballet shoes. There will be lots of prom shoes in ballet styles, but there?s no reason why you can?t wear real ballet shoes, which are inexpensive and easy to find. With the right dress, they?ll look absolutely gorgeous.

And the hot tip for jewelry is chandelier earrings, which look great particularly worn with your hair up to show them off. This will be the year for bold, extravagant, sparkling jewelry, including brooches, necklaces, bracelets, rings and tiaras with every kind of jewel, from dazzling rubies and emeralds to classic diamonds and pearls.


About the Author: Lynn Donn is the webmaster for http://www.1st-in-formal-dresses.com Her website offers tips and information on all the latest trends in prom, homecoming dresses and formal dresses.


Friday, May 29, 2009

Hiking Some Things To Consider When Picking A Backpack

There's an amazing range of backpacks available today in all shapes, sizes and colors and with enough add-ons to keep even the best of the 'gadget freaks' happy for days. However, if you're looking for a suitable backpack for hiking then there are a few basics that you need to come to grips with.

Small packs, such as waist packs or fanny packs (this term always conjures up memories of Albert Brooks and Michael Douglas in The In-laws), are not strictly speaking backpacks, since they are not worn on the back. Nevertheless, they serve the same purpose on a smaller scale and can be ideal for short hikes.

These smaller packs normally have a strap and two or three compartments and can be used to hold a number of handy items such as a water bottle, nutrition bars, sunscreen, insect repellant, band-aids and other small items.

Some smaller packs, often called hydration packs, even have special water bladders with drinking tubes. These normally hold anything up to a couple of gallons and again can be useful. You should remember though that a gallon of water weighs about 8 lbs.

If you're going on longer hikes, or need to carry more with you, then there are lots of different backpacks to choose from. Most of these are categorized by size, which is often expressed in terms of their volume in liters.

Day packs, as their name suggests, are designed to be used on reasonably short hikes. They are normally anywhere from about ten to thirty liters in volume and come in various styles. They will all have shoulder straps and some will have a chest strap and/or a belt strap.

Larger packs, from about thirty to seventy liters, go by a variety of names including, midrange, midsize, light duty packs and others. Packed correctly, they can hold quite a lot of equipment and it's easy to get carried away and try to pack everything including the kitchen sink. Be careful and remember that, whatever you pack, you have to carry it.

These backpacks need to be of a sturdy but lightweight construction and should have good broad shoulder straps and a waist belt. It's also very helpful if they have the now commonly seen plastic 'dog-leash' quick release buckles.

The largest packs, which have a capacity in excess of seventy liters and usually have a number of special features, are generally referred to as heavy duty, full-sized, expedition or something similar.

These large backpacks normally have special supports threaded through the shoulder straps and across the back or waist to help stabilize the backpack and make it easier to carry. They are also often designed to be carried higher on the back to keep the load off the lower back and so help to prevent back pain and fatigue.

The best full sized packs are manufactured from extremely strong composite materials, which are just about indestructible, and come with all sorts of lumbar support, pads and well designed balance mechanisms. Many will also have special compartments to hold all sorts of different things including sleeping bags or even a small tent.

At the end of the day the most important thing to remember when it comes to choosing a hiking backpack is that you will have to carry it. So, think very carefully about just what you need (not want) to take with you before you set off and pack this and nothing else.

Joining your local hiking club will put the resources of the club at your disposal and allow you to get advice and information on all aspects of hiking. Visit The-Hiking-Club.com for more information about hiking and hiking equipment including such things as good quality Timberland hiking boots and other waterproof boots.


Thursday, May 28, 2009

Choosing The Right Knee Brace

Knee braces - also known as knee supports and knee pads - are used primarily as protective gear to address several physical conditions and prevent knee-related problems. These braces are a prominent fixture in sports medicine, particularly with injured athletes. Some sports medicine experts classify knee braces into two simple categories. Functional knee braces are used by patients with an ACL tear, damaged ligaments or other injuries to substitute for the injured body part. Individuals using these braces are able to continue doing some activities without requiring surgery. Although functional braces will never be a perfect or permanent replacement to normal ligaments, they definitely offer adequate protection in low-load situations, giving the knee greater stability compared to having no braces at all.

1. Consult Your Doctor

One who is considering wearing a functional knee brace should consult with a doctor. The decision to use the brace would depend on the particular ligament injured, the sport the individual plays, rehabilitation work taken, and other factors. An injured athlete must realize that strengthening, physical therapy and rehabilitation are more important than using a knee brace, which may help prevent a re-injury but not hasten or contribute much to the recovery or healing process.

On the other hand, prophylactic knee braces are more of a preventive measure for healthy athletes. However, research has yielded unclear results if such a brace prevents knee injuries. Although some athletes using prophylactic braces have shown lower MCL tears, other factors have also contributed to injury risk reduction. These factors include the kind of sport played and conditioning, position and other player attributes.

Apprehension has also emerged over the possibility that a prophylactic brace may actually be a hindrance to knee movement and even increase the likelihood of injury. Research shows that this is not the case, as long as the knee brace is correctly fitted and firmly in place.

2. Commercial Knee Braces

The Futuro Knee Support Stabilizing Large is one of several knee braces available in the market. The brace is designed to give athletes or individuals with weakened tendons, muscles or ligaments stable and comfortable support and prevent any re-injury. The Futuro can also be worn the whole day or when the user feels discomfort in doing some activities. The brace also does not hinder movement even as the knee is stabilized.

Magnetic therapy is integrated into Magnetic Wave Knee Support. This brace comes in small/medium and large/extra large sizes and features 12 magnets spread strategically in the neoprene material. The HoMedics knee support also applies heat therapy and cold therapy for aches, sprains and other injuries. The brace also fits the user securely with loop closures and a hook.

The single-size Mueller Sport Care Knee Support Open Patella is used for arthritic knees and minor strains and sprains. The support is made from a soft neoprene blend that enables body heat retention to relieve pain and help maintain knee flexibility. The support is also designed with an open patella, adjustable straps, stretch nylon, and trimmed, smooth edges to ensure a comfortable fit, prevent chafing and easy wear and removal.

3. Knee Braces With Specific Applications

- Arthritic knee braces are made for individuals with arthritis
- Tese braces are also called unloader braces
- These are designed to eliminate pressure on knee joints
- Post-operative braces are designed to immobilize knee joints after an injury or surgery
- Magnetic knee braces work on the assumption that magnetic fields promote various health benefits
- Elastic braces are the ideal option, as they adjust to the natural contour of the knee and leg


About the Author:

For more great knee brace related articles and resources check out http://braces.naturaltherapieshq.com


Wednesday, May 27, 2009

Exploring the Ford Explorer


From the Ford Motor Company, the Ford Explorer has been introduced to the automobile world in 1990 and is still in production at present. This is a midsize sport utility vehicle that is mostly sold in North America. Since its introduction, it has been the best selling midsize SUV in the United States. This vehicle has also been very much influential and instrumental in making and changing the view of the SUV from just a special interest vehicle to become one of the most popular vehicles types found in the whole world of cars and vehicles. It has also received a nomination for the North American Truck of the Year award for the year 2006.


For 2006, the Ford Explorer comes with a new frame. This newly restyled vehicle comes also with a new and stronger base. It also boasts of a new interior, a redesigned rear suspension, as well as third row seats that has a power folding feature. Standard for the vehicle is a tire pressure monitoring system and an electronic stability control. Like the Lincoln Navigator which is a distant relative of the Ford Explorer, the latter also has power running boards. These retract when the vehicle is in motion. This vehicle also comes with a 4.0 liter V6 base engine that has the capability to produce some 210 units of horsepower. This engine works with a six speed automatic transmission for a better performance.


This vehicle make has a range of color choices for its exterior. The list comprise of dark blue pearl, mineral gray, red fire, pueblo gold, silver birch, dark stone, black, and oxford white. The interior colors of the Ford Explorer are offered with either camel or dark stone color choices. Four trim levels are available for this vehicle and this comprise of the XLS, the XLT, the Eddie Bauer, and the Limited.


The features and options of the 2006 Ford Explorer include bucket seats trimmed in cloth with adjustable head restraints as well as a six way power driver's seat with manual lumbar, second row split/folding bench with backrest recline, third row split/fold-flat bench, air conditioning with an automatic temperature control, a single CD player, an MP3 player, an AM/FM radio, an Audiophile Sound System, a subwoofer, a rear seat DVD entertainment system, a navigation system, a speed control, a steering wheel that is color-keyed with tilt column and is wrapped in leather, intermittent wipers for the front and rear with speed sensitive front, a day and night manual rearview mirror, visors, a front overhead console, a cargo management system, a center dome with map lights, an illuminated entry, floor mats for the front and rear, power windows, power door locks, power heated outside mirrors, an electro chromic mirror, automatic headlights, a keyless entry with keypad, and a black molded grille with a four bar design.


At Ford Parts Discount, thousands of Ford parts are in stock right at your fingertips. Customers can simply browse through this site and they can easily search for Ford Explorer parts and Ford auto parts.

About the Author

Jay Stevens works as a consultant for an established auto parts store in the country. He has expertise in automotive technology and has inside knowledge on the auto parts industry.

Tuesday, May 26, 2009

Nursing Bras A Review of the Four Most Popular Nursing Bras

With all of the styles, shapes and sizes to choose from, which nursing bra should you consider? Following is a review of the most popular nursing bras currently offered today. Choosing a bra is a deeply personal decision that only you can make. Take the time to make the most wise decision as the purchase of theres bras can be quite expensive.

Bravado Nursing Bras

These are one of the most popular nursing bras on the market. There are 3 different nursing bras offered by Bravado: (1)Lifestyle (2) Original; and (3) Supreme Nursing Bra.

Lifestyle Nursing Bra

This bra offers a more feminine design as it is trimmed in lace and has a low neckline. The straps and neckline are also trimmed in lace. This bra is very good for breastfeeding as it has full access nursing flaps.

Original Nursing Bra

This bra comes in three different types: Basic, Plus Style and Double Plus Style. Which style you choose depends on what stage of pregnancy you are in-expecting, immediately postpartum or advanced breastfeeder. The Bravado Original Nursing bra is the most popular for new mothers. These bras as made from spandex and cotton fabric which provides the ultimate support for your changing body.

Supreme Nursing Bra

This bra is designed for the larger breasted woman although it does not have an underwire. The fabric in this bra is silky which allows clothing to easily slip over the bra for easy access for breastfeeding.

Medela Nursing Bras

There are many different types of bras offered by Medela. While I can't review all of the bras, following is a review of Medela's most popular ones:

The Medela Comfort Nursing Bra

This bra will most likely be the best fit for the breastfeeding mother as you can wear it day or night. If you are looking for stylish and sexy however, this bra is not for you.

The Medela Seamless Bra Line

This bra is more sheak with it's low neckline and intricate lace design. The seamless is very popular because it is so smooth and provides a natural seamless bra line under any type of clothing that you choose to wear.

Medela Nursing Sleep Bra

This is the newest bra offered by Medela. Made from stretchy soft fabric, this bra provides easy access for nighttime feeding. The bra is constructed from cotton-Lycra fabric which allows for breatheability in the cups. This bra also comes with adjustable cup sizes which allow for the changing shape of the breast.

The Playtex Expectant Moments Nursing Bra

The Playtex Expectant Moments Nursing Bra is one of the most stylish bras available. The cups of this bra are constructed from soft fabric and are accented by a very low neckline. The combination of fabrics provide you with easy adjustment, coolness and added support. This bra is one of the best available for the asking price.

Elle Macpherson Nursing Bra

Staying with the usual offerings by Elle, the Elle Macpherson Nursing bra comes complete with full lace which gives you a very sexy feel. The bra is covered with lace on both straps and the cups. Lined with 100% cotton, the cups are smooth and silky yet sexy because of the lace overlay. This nbra is one of the most pricy on the market.

Once you determine which nursing bra is best for you, you must decide how to find one that properly fits. Check out my article Nursing Bras-Five Tips To Choosing The Right Nursing Bra to learn how to get the best fit.

Article Source: http://EzineArticles.com/?expert=RobertaSullivan

By Roberta Sullivan

Monday, May 25, 2009

Air Travel Timesaving Tips To Speed Your Trip

Before ariving at the Airport:

. Avoid wearing clothing, jewelry, and accessories that contain metal. Metal items may set off the alarm on the metal detector.

. Instead, place jewelry and other metal items, including the contents of your pockets, in your carry-on baggage until you clear security. Mobile phones, pagers, keys, lighters, and loose change are examples of items containing metal.

. Put all undeveloped film and cameras with film in your Carry-on baggage. Checked baggage screening will damage undeveloped film.

. Check ahead of time with your airline or travel agent to determine the airline's baggage policy, including number of pieces you can bring and the size and weight limitations.

. Carry-on baggage is generally limited to one carry-on bag plus one personal item. Personal items include laptops, purses, small backpacks, briefcases, or camera cases. Remember, 1+1.

. The limit of one carry-on and one personal item (purse, briefcase or computer case) does not apply to medical supplies, equipment, mobility aids and/or assistive devices by a person with a disability.

. Place identification tags with your name, address and your phone number on all your baggage, including your laptop computer. It is a good idea to place an identification tag inside your baggage as well.

. Pack your outer coat or jacket in your baggage when possible.

. Do NOT pack or bring prohibited items to the airport. Visit http://www.tsa.dot.gov for a complete list.

. Leave gifts unwrapped. Be aware that wrapped gifts may need to be opened for inspection. This applies to both carry-on and checked baggage.

. Avoid overpacking so that your articles don't spill out if your bag is opened for inspection.

. Think carefully about the personal items you place in your carry-on baggage. The screeners may have to open your bag and examine its contents.

. Consider placing articles in clear plastic bags inside your baggage to minimize handing of your personal items.

. If you have a medical implant or other device that is likely to set off the alarm on the metal detector, bring evidence verifying this condition. Although this is not a requirement, it may help expedite the screening process.

. Check with your airline or travel agent to determine how early to arrive at the airport. Ask if you should go to the ticket counter or checked-baggage screening area first. Not all airports are the same.

. Check with your airport to confirm which parking lots are open if you will be parking at the airport. Some lots may be closed for security reasons. Be sure to allow extra time for parking and shuttle transportation.

. Bring a boarding pass, ticket, or ticket confirmation, such as a printed itinerary and a government-issued photo ID. Children under the age of 18 do not require an ID.

. Double check your carry-on baggage to make sure you have removed prohibited items such as pocketknives, scissors, and tools.

. If you do not have checked baggage and you already have a boarding pass, ticket or ticket confirmation, you can proceed directly to your gate through the security checkpoint. Please note that certain airlines do not offer gate check-in.

AT the Airport:

. Do NOT bring drinks or other liquids to the security checkpoint unless they are in paper or polystyrene (e.g. Styrofoam?), sealed or seal-able/spill-proof containers.

. Do NOT bring food to the security checkpoint unless it is wrapped or in a container. Unpeeled natural foods like fruit are ok.

. Put metal IN your carry-on bag, this includes jewelry, loose change, keys, mobile phone, pagers, and personal data assistants (PDAs).

. Take OUT your laptop computer. Place it in a bin, separate from its carry case.

. Take OFF your outer coat. Place it in a bin. Suit jackets and blazers do not have to be removed, unless requested by the screener.

Gerald Crawford was born in South Africa, studied electronics, telecommunication, eco-travel and african travel concepts. He taught responsible tourism in South Africa. If you have any questions or comments please e-mail me on. E-mail Address: southafricantravelarticles@12234455.co.za Website Address: www.12234455.co.za


Sunday, May 24, 2009

?Chocolates Beer Bikes & Barges? ? Adventures for Singles Belgium & Holland 2006

We arrived to cosmopolitan Brussels with 3 lost bags and 1 missing person. One suitcase went to Moscow but all caught up eventually. Janice and I led a perfect size group of 39, not too big to get lost in or too small for comfort.

Each July trip draws school teachers who have loyally followed me around the world and they do love Europe. We began with a light orientation tour in the historic heart of this capital, followed by a tour of the Chocolate Museum. I found this boring, but the tastings were great.

After a nap at the Sheraton, we enjoyed a welcome dinner at Chez Leon, a typical Belgium Brasserie located on the charming ?Rue de Restaurants.? You can get mussels in Brussels, but not brussel sprouts. And the french fry as it was invented here. Our menu consisted of egg puff pastry with Ardennes mouseline sauce, Flemish beef stew in Grimbergen ale and a dark chocolate mousse cake on a bed buttercream which was a culinary masterpiece never to be forgotten. I always say that a loud group is a happy group, but I think their decibel level here may have been due to their indulgence of amber ales. 428 different types are brewed in this country including a popular new blueberry beer. Later we scattered like chickens into the Grand Place which is considered by most to be the worlds most beautiful square. It comes to life at night every July with a light show and various unlicensed entertainers. One young lady is dressed in candy tempting men to buy a bite.

If it?s Tuesday, it must be Belgium. After breakfast, we began our morning walking tour of the 17th century Grand Place. It was actually 8:30 Sunday morning and I marveled that in over a dozen visits here, I?ve never seen this place so empty. It echoed in silence as tourists slept and the locals were gone for holiday. Sunlight brilliantly flooded the gothic cathedrals, classical facades and art nuveau houses. We were alone and it was breathtaking.

We then visited the famed confectioner ?Planet Chocolate? that opened especially for our group. Pedestrians peered in the windows with curiosity. A great demonstration was given by chocolatier Jon, grandson of the founder of this factory renowned for producing 67 different flavors. We learned about the history of cocoa. The ancient Mayans considered it an aphrodisiac and Montezuma consumed it in copious amounts. It was made famous in Belgium by J. Nuehus who added the praline hazelnut cream. Each cocoa fruit contains 25 beans. The best comes from Ghana, Ivory Coast and Indonesia. We learned all about the roasting and fermenting processes. Jon expounded on how healthy his dark chocolate is with more magnesium and antioxidants. He even asserts that it boosts energy and thus helps you loose weight?convoluted thinking. It was however, once sold at chemists as antidepressant medicine and unlimited amounts were given to soldiers in wartime to combat stress. At the end of the lecture, silver trays of truffles were presented along with a cup of hot ganache, which tasted like chocolate soup. I never really cared for chocolate but it was infatuation at first bite.

Our next stop was Chocolate Manon which I was told is run by a ?chocolate nazi? who will lock the doors if we?re one minute late. This small factory concentrates on quality over quantity and fancy packaging. The educational presentation was given by the owner Christian, who is both serious and hilarious. He only uses the highest quality vanilla, sugar, butter and 70% cocoa powder. This is a real factory with enormous chocolate blocks piled high and brown drippings everywhere. Sorry Hershey?s, but the cocoa here is not replaced with palm oil, chemicals, coloring, vegetable fats and lard. This is as pure as it gets and it?s better than Swiss. They sell direct to Bergoff and Neimans in NYC. There are 443 chocolate factories in Belgium all with the competitive spirit of Tour de France between them. Godiva still reigns supreme.

Christian explained that white chocolate is really an oxymoron. It contains only milk, sugar, cream and 21% white cocoa butter. As he lectured, he continually dipped his finger in to vats to taste his latest batch, while quickly running back and forth with frenetic energy from molds to freezer. He has a true passion for his product and consumes about 250 grams or a 1/2 lb a day, yet is as thin as Calista Flockhart.

I love my job, but would swap a month with him anytime.Over 1000 fillings are used inside the hollow shells. One by one, hundreds of shells are filled by hand. Each piece is a mini-sculpture. We?re invited to squeeze the ganache pastry bags, but made a terrible mess and had to eat our mistakes. Nothing is discarded here. Even table scrapings will be remelted.

Dark chocolate can be stored up to 15 years and molded into any shape. We?re shown pictures of intricate violins, a woman?s formal dress and a life size dinning room table and chairs all made of chocolate.

Monday we toured this proud and regal city that is revealed in its royal palaces, cathedrals, museums and onuments. We see the headquarters of the EU and site of the 1958 World?s Fair with the massive silver Atonium. We photograph the Mannekin Pis. [I never understood the love of this small bronze statue but it represents Brussels. Perhaps it?s found in the irreverence of the artist. Paula was our guide for several days here. Her stellar knowledge brought the history of Belgium to life, particularly the time when King Leopold purchased the Congo as his personal playground. Paula deeply cared for her work and later invited us to visit yet another chocolate factory, but fully sated, we declined. For free time we dispersed into tiny alleyways to intentionally get lost. Some searched out beer halls or hot sugar waffles, as others shopped for tapestries at give-away prices.

Things become a bit blurry from here. I?d taken some great notes on napkins throughout and managed to loose them all enroute. But memory serves well as we head to the capital of Flanders and enchanting Bruges. This town is a complete UNESCO World Heritage Site with a tranquil character that can?t be described. The people have done so much to protect its medieval feel, it provides the magical affect of stepping back into time. It is called ?Little Venice? and we enjoyed a boat cruise through the veritable maze of old canals that led to the Lake of Love. We strolled through ancient squares lined with houses of gabled rooftops and various cathedrals of holy this and holy that. Horse drawn carriages filled the cobbled streets. We entered the neo-gothic Basilica of Holy Blood and climbed 365 steps up the Belfry Tower with its carillon bells that chimed so loud it could blow an eardrum. We visited the cities finest lace shop for a demonstration on lace making, which I anticipated to be as exciting as watching paint dry. It was however, quite fascinating watching the delicate work of this 500 year old cottage industry.

We viewed an 18th century handkerchief so intricate that it took 4 ladies nearly 10 years to complete! All for a distant royal bride to blow her nose on.

I think I walked 67 kilometers that day. (Life lesson #122- NEVER wears heels on cobbled streets.) Bruges is entirely cozy and colorful, as if stepping into a postcard. At a caf?, I splurged on a waffle topped with chocolate, fruit and ice cream, so far, so good. For our entire trip we were blessed with no rain and perfect weather.

I?m a city girl at heart and was happy to depart for Holland. William of Orange is our jovial driver who just loaded our suitcases that have now swelled to 71 pieces. This is a super double-decker with plenty of room for our 150 mile journey. I joked on the mic as we crossed the border into Holland that there will be a 3 hour time change and never to drink the water. Much to my surprise my dear novice travelers actually started changing their watches! We passed many Smart Cars manufactured by Mercedes and Swatch. These toy-like hybrid two-seaters are expensive, but so adorable. On arrival, we checked into the Novotel Amsterdam for 4 days of touring pleasure.

We boarded our private glass topped boat and cruised through a labyrinth of canals. Amsterdam has 140 miles in all. Our wonderful guide Marilyn commentated on the picturesque neighborhoods and unique architecture. I photographed the world?s skinniest house, built in 1664. It was 5 stories high and only the width of the front door! Many locals live on houseboats and the area starts to resemble a floating trailer park. Holland is about 100? below sea level. Pumps are used to constantly pump out water and basements do not exist.

The beer drinkers in this group loved the ?Heineken Experience? with plenty of tastings and virtual games all over this famous brewery. The shoppers liked the Coster Diamond Factory where we learned about cutting and polishing the precious stones. They locked us in a room with guards where a gazillion euros worth of diamonds were displayed. We each had are own agenda for free time. The art lovers explored the national museums of Rembrandt and Van Gough. Many toured Ann Franks House where one can really sense the drama as she hid from the Nazi?s in the tiny attic writing her diary. Others went to Edam for cheese and Delft for porcelain. I visited friends and indulged on Dutch pancakes of every style imaginable.

One day we visited Zaanse Schans, a typical village for total Dutch immersion. We began at the Ratterman Clog Factory where 3 million pairs are produced annually. They?re used for working in the fields and are still worn today. Wooden shoes do not stretch so how can locals proclaim these to be comfortable? I prefer my Jimmy Choo?s stilettos and instead buy tulip bulbs for souvenirs. We then visit a cheese farm and watched as they separated curds from whey. Here we bought enough wheels of flavored Goudas to make Wisconsin jealous. [We never considered the weight it would add later to our carry-ons. We explored the open air museum with a backdrop of working windmills. There were also small period cast farms with curious ducks, goats and sheep.

That evening I had dinner with a friend I usually only see once every 5 years. Paul says, ?Suzy, you are like a good old book in the library of my life that I tucked away. You re-enter out of nowhere. I dust it off and the memories return.? As we catch up, I thought I had some stories to tell but his life is as captivating as a best selling novel. He is an undercover agent in the Special Forces, trains Dutch combat troops in Germany preparing for tours in Kabul, works narcotics infiltration and is a body guard for the royal family. Kind of like Jack Bauer on ?24.? Everything is ?top secret? yet he reveals that he basically gets paid by the government to work out daily. Recently he transported orangutans form the Amsterdam zoo to freedom in Borneo.

The highlight of this trip for me was our 2 hour city tour on bicycles. We looked like a motley crew as we headed out into narrow cobbled streets and over countless bridges. As I peddled, I observed my group behind me. One woman is nearing 70, two are smoking cigarettes, Janice is talking to America on her cell and one unmentionable crashes into a car! She had to pay the driver for damages on the spot. It took complete concentration to cross the busy tram tracks. That morning we rode through Vodelpark and the Red Light district. It was interesting to see the prostitutes as they just woke up to get their coffee dressed in jeans and sneakers.

Holland is the land of the free. With prostitution legal, my group is most inquisitive on this matter. We laughed as Marilyn said,? Suzy, they all ask questions on sex. Are they frustrated??

I arranged a professional guided walking tour of the Red Light district in the oldest part of Amsterdam for the world?s oldest profession. Since the 1400?s, seamen would dock here to unload. Guides Gabriel and Shuert boldly led us through alleys of half clad ladies. No photos allowed. We?re told that some fear it?ll go out on the web. Our guides explained that some women are forced here nowadays and some are simply ashamed. Ladies differ in size, shape and color as we strolled through different quarters. On one street they?re all obese. We learned to identify the transsexuals by two things surgery can?t change ? an adam's apple and a straight waist. Tastes differ; the oldest woman here is 76 and only works in summer. Only half use protection and monthly health checks are required.

There are around 1000 prostitutes working 500 windows. They pay 150? to rent a window for 6-8 hours, and can make up to 450? per day. They pay taxes and can write receipts for services rendered. If the curtain is closed they are not on break. The area is flooded with tourists. Men pay 50? for 30 minutes, yet statistics reveal the average time spent is just 6 minutes.

We crossed ?Pill Bridge? named for the drugs pushed there and then toured the Erotic Museum with photographs and ?tools of the trade? dating back to the 17th century on display. As I pondered and stared at a metal chastity belt, Gabriel said ?that blacksmiths always had a spare key which came in handy when the husbands were away at sea.? She also insisted the Dutch were far less promiscuous than Americans. I was concerned about my ultra-conservative teachers but nothing seemed to shock them. After awhile, our senses were over saturated and it became dull. The saddest sight was seeing a ?heroin hooker?. She was emaciated with glazed eyes and so many track marks that she had to shoot it now under her tongue. Police cameras were everywhere 24/7, there is little crime and we felt totally safe.

Pot and hash are legal here in over 400 ?coffee shops? that sell joints and ?ganja-space milkshakes.? Locals told me they felt Americans were oppressed by too many rules and can?t understand how our drug companies can sell meds on TV.

Enough on the wild side, this is also the art capital of Europe boasting more museums per square foot than any other city. Marilyn gave us a quick art lesson in a nutshell. She explained that this is the 400 year celebration of Rembrandt (1606-2006). He came from a family rich in windmills. As a child, he was an expert sketcher. Later in medical school, he did anatomical drawings of corpses from criminals. He studied more and soon rose above the Dutch masters with the ability to capture light and shadows in paint. He always began with a black canvas. Though blessed with enormous artistic talent, he couldn?t manage his finances. He died penniless and was entombed in a pauper?s grave.

Van Gogh grew up a lonely child and was very attached to his mother. His hyper-critical father didn?t like his artwork. He went to Paris to study the impressionists. He was schizophrenic and when he had episodes, it was seen in his paintings that grew wilder and wilder each time. He cut off his ear and later committed suicide. His paintings were discovered stored away in his family home. We learned so much here.

Many think they?ve seen Europe, but miss the countries with the most charm. Here we were enveloped by history, culture and all that the Old Continent should be. Also this wasn?t a typical EU vacation with endless museums and cathedrals, but a creative itinerary which provided large fun. Total cost was $1175 plus air (www.AdventuresForSingles.com 877-813-9421 or in GA 770-432-8225). Everyone?s favorite stop was Bruges, but for me Amsterdam was an urban masterpiece. I found the Dutch far friendlier than other Europeans. This visit rekindled my love for the Netherlands, that tiny country with 2 names. This time I looked through new eyeballs with my teachers who were experiencing their first trip abroad.

It was a wonderful group. One couple connected whom we later labeled ?The Honeymooners? and I hope they last. In flight home on Delta, I noticed among my sleepy group that some were munching on their chocolates that were meant for gifts back home. And once in line at US Customs, some were proudly wearing their new, brightly painted, uncomfortable wooden clogs. I just have to do this trip again.




Saturday, May 23, 2009

Retail Steel Buildings

Retail steel buildings are great protectors for all types of retail establishments.

Because of multiple advantages, retail steel buildings are becoming popular day by day among franchisee chains and retail developers. It is a time consuming process to construct a retail building. In addition, significant amount of investment is needed. A wide number of pre-engineered steel building systems are in the market to fulfill your retail building needs. The providers of retail steel buildings assist building needs in the most economical manner. By erecting a retail steel building, you can save loads of money than is possible in conventional construction.

Retail steel buildings are designed to prevent the harshest climatic conditions on earth, such as heavy snow, tornadoes and hurricanes. It provides maximum usage of space with minimal investment. These buildings also prevent rusting and rotting. They are available in attractive designs with a variety of panel and trim colors.

Most retail steel buildings come with pre-drilled, pre-cut, pre-punched and pre-welded structures. By utilizing retail steel buildings, customers can uphold a clear span of up to 300 feet wide. Doors, roll-up doors, windows, insulation, ceiling lights and additional building options are offered. Along with these components, numerous exterior choices such as brick, slate, stone and stucco are also supplied to improve the look of the retail steel building.

Other benefits of using retail steel buildings are less maintenance, fire retardant, durability, flexibility, faster erection and cost efficiency. It can be easily expanded to any length according to your needs. Most of the retail steel buildings come with column free designs and do not require interior load bearing walls.

Many companies in this business attach warranty programs on retail steel buildings. They also offer warranty programs on the different components and parts. Almost all retail steel building companies provide project experts, who help all the way from concept to delivery.

Olympia Steel Building Systems, Crown International Steel Building Systems, American Steel Span, Standard Steel Buildings LLC, and General Steel Corporation are some of the leading manufacturers of retail steel buildings.

Steel Buildings provides detailed information on Steel Buildings, Commercial Steel Buildings, Pre-Fabricated Steel Buildings, Steel Storage Buildings and more. Steel Buildings is affiliated with Metal Building Kits.

Friday, May 22, 2009

Austin Student Apartments

Austin, the capital of Texas and a college town, is home to some of the premier public and private educational institutions in the state. Students from in and around Austin come to the city for higher education.

Comfortable student apartments are available both on and off campus. Most of the on-campus apartments are located within the institutions' campus or at convenient locations. The apartment communities of Austin offer off-campus apartments with easy access. Apartments are available for both rent and lease. The rent may be short term or long term, on a daily, weekly, or monthly basis. The rate is subject to facilities available in the apartment. Inexpensive as well as luxury residences can be found.

Austin student apartments provide a fairly wide range of residence options from dormitories and condominiums to family suites, houses, and duplexes. Fully furnished units, private bedrooms, and unfurnished apartments are available. Most of the apartments are equipped with a telephone, basic cable TV service, coin-operated laundry, and Internet access. Facilities vary from apartment to apartment. Some have study centers, fitness centers, fully equipped kitchens, spacious parking area for cars and bikes, as well as private pools. Panoramic views of the neighboring area are an additional feature. Medical and psychological services, counseling, and health education are also provided.

Austin student apartments are within easy access to shopping malls, recreation centers, major businesses, and restaurants. Numerous brokers and property management organizations specialize in renting and leasing student apartments in Austin. American Campus, based in Austin, is one of the largest managers and developers of student housing in America. Online sites also give adequate information.

Austin Apartments provides detailed information on Austin Apartment Associations, Austin Apartment Guides, Austin Apartment Locators, Austin Apartment Stores and more. Austin Apartments is affiliated with North Dallas Apartments.

Thursday, May 21, 2009

Country House Hotels Cotswolds England

We have visited several Country House Hotels in the Cotswolds in England and trust that the following will help in your search for a luxury hotel in the Cotswolds which is a beautiful part of England with numerous old English market towns and villages.

Broadway is a small town in the Cotswolds whose high street has a number of antique and gift shops and homes built of Cotswold stone. The Lygon Arms can be found in the high street and is one of several character Country House Hotels in close proximity to Broadway in the Cotswolds in England. The restaurant has a Michelin star and there are spa facilities. You can be assured of a warm welcome with roaring log fires in the winter months. This is indeed a luxury hotel in the Cotswolds.

Chipping Camden is a small town in the Cotswolds again with a wonderful high street where you will find The Cotswold House Hotel is a fine luxury hotel in the Cotswolds in England offering service of the highest standard with exquisite food served in both the restaurant and brasserie. This Country House Hotel has been designed inside in a modern theme but full of character with no expense spared.

Lower Slaughter is a small Cotswold Village with the trout filled River Eye running through it. Lower Slaughter Manor is in the centre of the village next to the church. It is one of two Country House Hotels in this Cotswolds village in this tranquil part of England. Personal service of the highest standard is provided. Enjoy afternoon tea in front of a roaring log fire in the winter or on the front lawn in summer. Beautifully decorated and furnished Lower Slaughter Manor is a luxury hotel close to the Cotswolds town of Stow on the Wold here in England.

Please do not hesitate to telephone us on 01562 631682 for further advice about a luxury hotel in the Cotswolds.


About the Author:

Alan Hope runs a lifestyle management and concierge service business for both UK and Overseas clients.
Visit his website at http://www.arrangeitlifestylemanagement.co.uk/id86.html




Wednesday, May 20, 2009

Candy Makes Recognition Events Sweeter

Andy Warhol may have been correct when he said everyone would get to be famous for 15 minutes. Or at least he was close. It seems that almost every professional, volunteer, teacher, healthcare worker, librarian or basic employee has a special day or week when they get recognized for their contributions to their organization, community or country.

While compensation is always appreciated, a pat on the back is often just as important. Throwing a party, luncheon or dinner to recognize individuals who have gone above and beyond the call of duty is appreciated and it builds morale.

So what kind of party should you throw. Should you buy balloons and streamers? Serve pizza and ice cream? Sure. The more fun the better - it's a happy occasion!

Speaking of fun, what's more fun then candy? Chocolate bars, lollipops, mints and cookies make tasteful and tasty treats that make your celebration even more festive. Do you know that you can get candy and chocolate treats with special messages to honor your staff? There are specially engraved and wrapped chocolate bars, lollipops with imprinted sticks, shaped chocolates and much more.

So many important recognition events will be here in the coming months such as National Volunteer Week, Teacher Appreciation Week, Nurses Week, EMS Week, Safety Month and Nursing Home Week. And many companies have their own special employee appreciation events. Decorate your celebration event with delicious chocolates and candies and watch the smiles.

Visit Celebration Candy to learn more about recognition candy and gifts.

Michael Lerner is a noted expert on celebrating national recognition and awareness events.


Tuesday, May 19, 2009

10 Big Mistakes Novice Real Estate Investors Make

Buying real estate is as popular as ever, and it seems pretty straightforward at first glace. With mortgage interest rates at all time lows and plenty of real estate to buy, many investors truly believe that they can do a bit of cosmetic work, accessorize a bit, and then put up the for rent or for sale sign. Unfortunately, it is not quite that easy and there are some common mistakes that can be avoided if one plans ahead and truly understands what he or she is getting into before investing.

Don't Fall In Love

The first rule of thumb when you are investing in real estate is that you cannot fall in love with any one property. When you are looking at real estate to buy for investment purposes you can't think like a homeowner, you must think like a business owner. Don't think about what you like about a home or a piece of real estate, think about how well it will sell or rent in the current market.

Not Exercising Due Diligence

When you invest in real estate you can't simply invest if the property looks good at face value. A very thorough inspection of the structure needs to be done as well as research on the local market. One must also look into the vacancy rates and average rents for homes or structures that are comparable. A diligent business owner will also look into how the neighborhood is zoned as well as any regulations that will apply to the rental property. You will also want to check into how many other rental properties are in the area and if they are comparable to the property you are looking at.

Forgetting the Rule about Time and Money

Many new investors forget that all home improvements are not as cheap and as straightforward and they hoped that they would be. The rule that most investor's use is that it will take twice as long and three times the money than you would think to ready a unit for rent or sale. Real estate isn't transformed over night, so one must plan accordingly. Failing to plan ahead for this can leave you in a real bind where you lose money because you don't have the resources to complete a project.

Believing You'll Secure the Lowest Mortgage Rates

Television can be very deceiving for those that are in the real estate investment business. The low mortgage rates are not offered for just anyone, they are for owner occupied homes, which are considered much less of a risk than a unit that is rented out. Homes that will not be owner occupied will experience mortgage rates that are 1.5 to 2% higher, which can make for a huge difference in monthly payments for the investor and his or her tenants. You also need to be aware of your credit, if you have terrible credit you won't have much luck getting a loan, but the better your credit is the better your rate will be.

Failing to Pre-Screen Tenants

Many new landlords are so anxious to get their new tenants moved in that they forget all about screening them to be sure that they have a relatively clean credit history, they are gainfully employed, and that they have a good rental history. While screening tenants can take a bit longer than you might like to wait, it's easier to get this done than to try to evict a tenant. It's always better to pre-screen than deal with the headaches later.

Breaking Your Own Rules

New investors often set business rules for themselves, and then occasionally they get a bit soft. If you have established rules about what day the rent is due, pet policies, waterbeds, or lawn care, stick with those rules. The minute you stop obeying your own rules you set your self up for disaster. If you stick to your rules and you refuse to break them no matter the situation, you will find that you are much more successful in a business sense.

Investing in Obscure Areas

Generally, it is not a good idea to invest in properties that you cannot visit regularly. Long distance real estate investments leave you out in the cold and you may have no idea what is going on in or around your property. It is a good rule of thumb to only invest in areas that you live.

Paying More than the Property Is Worth

New investors often do not do the proper research and end up paying more for a property than it is worth. When you are investing you have to think about yourself, even if that means that you have to low-ball the seller at first. Investing in real estate is all about getting the right price for you. You need to know that you can cover your mortgage and your expenses from a rental payment, so really consider what the local market will allow.

Failing to Look into the Competition

It's a good idea to look at the competition, especially if they are successful. Lower payments, exciting features, and more will often help fill rental units. Pay attention to what works in your area and duplicate it if possible.

Not Acquiring Enough Insurance

Being under insured is a common mistake of new real estate investors. You need to know that your insurance company will cover accidents on the property as well as damage due to fires or natural disasters.

As you can see, there are a lot of mistakes that you can make. Luckily, if you plan ahead and do not rush into real estate investment you can avoid a lot of these pitfalls, saving you a lot of time and money. Avoiding mistakes will help you become a much more successful real estate investor.

Andrew owns a website that offers useful guide on real estate business. Vist his website at: http://www.buy-and-sell-house-fast.com/ for more tips.

Monday, May 18, 2009

Investing in Real Estate Foreclosures Can Make You a Lot of Money

Real estate foreclosures are properties that have been repossessed by lenders because the previous owner of the property failed to make mortgage payments under the terms of the loan. The lenders then sell these properties to the public in order to recover their losses. Sometimes these properties are sold at a real estate auction, where foreclosure real estate goes to the highest bidder. But they may also be sold by the homeowners themselves, or by government agencies.

There are different types of foreclosure properties that you can buy. These include foreclosure homes, bank owned properties, repo-homes, HUD homes and VA foreclosures.

While their popularity and value as a commodity is now higher than ever, foreclosure homes have been around for many years and have always been a great way to invest in real estate. The most important thing to know about real estate investing and foreclosure properties is that while many foreclosures can be bought at prices way below market value, this is not the rule. Some foreclosure properties are sold at or around market value and will not allow you to earn as much money. You can still get very good deals, but you must do your research and carefully evaluate each opportunity

www.foreclosuredeals.com/content/realestateforeclosures.htm

Sunday, May 17, 2009

20 Harmful Things You Should NEVER Do To Your Baby


These are the 20 silly things that you should never do to your baby... Never!!


(1) Never let your baby play with balloons or plastic bags -- they could be a choking hazard.


(2) Never put stuffed animals or dolls that hold cassette tapes near your baby when she sleeps because if the tape unwinds it could cause strangulation.


(3) Never let your baby snack on crackers or other bread products all day. These can maker her less interested in more nutritious foods and can fill her up.


(4) Never leave your baby with someone you don't know.


(5) Never put magnets on the refrigerator door because these magnets can break and the small spieces can cause a choking hazard.


(6) Never put off decorating your nursery because you might not have time after the baby arrives.


(7) Never put solid foods, like cereal, in your baby's bottle since it may pose a choking hazard and it also adds unnecessary calories.


(8) Never put clothes that has loose ties or strings on your baby because these could cause strangulation.


(9) Never put too many large toys in the playpen with an older baby who can pull herself up. She might use these to climb out.


(10) Never give your infant any small, hard foods, such as nuts, popcorn or raisins.


(11) Never heat bottles in the microwave because the milk could get too hot and burn your baby.


(12) Never keep loose objects in the back seat of the car when baby is in the car seat. If the car suddenly stops, the objects can fall on your baby.


(13) Never leave a baby alone in a parked car for any reason.


(14) Never leave your newborn baby with a toddler, even if they seem to be getting along. Toddlers may endanger the baby without even knowing it because they are sometimes unpredictable.


(15) Never leave plastic dry cleaner bags near the baby's room because your baby can pull off pieces and choke on them.


(16) Never leave your baby alone, except in a crib.


(17) Never leave your child in the bathtub alone.


(18) Never leave your window screens open.


(19) Never let your baby sleep or nap with a bottle of juice or even milk. This may cause tooth decay.


(20) Never use pressure gates at the top of stairs because your baby could lean against it, push it over and go tumbling.


If you have loved this article, what out for my next issue titled: DON'T Do This If You Have A Baby! Here Are 18 Practical Tips. You'll definitely like it! :-)


Copyright 2006. Jonathan Teng
About the Author

Grab your FREE 5 Day Baby Caring Secrets Mini Course and learn 100s of surefire Tips and Tricks about how to take care of your newborn baby from A to Z. Visit: Baby Caring Secrets TODAY!

Saturday, May 16, 2009

Top Tips for Home Buyers and Sellers During the Holidays in 2006

Searching for or selling a home in November or December can be stressful in addition to the built-in holiday frenzy. Simple tips for buyers and sellers can minimize stress and possibly facilitate a sale.

Sellers.

-Consider potential buyers spiritual backgrounds in your market before decorating for a holiday.

-Less is more when decorating a home for the holidays while you are trying to sell. Streamline the amount of holiday specific decorations you display.

-Large over-size Christmas trees and other holiday decorations consume space that might make rooms or landscapes appear smaller.

-Install and remove exterior holiday decorations 2 weeks before and after holiday.

-Turn off lighted holiday decorations before showings, buyers should focus on your home and not your decorations.

-If you are having out-of-town house guests, ask your real estate agent to postpone showings until after your guests depart.

-Display summer photos of home and gardens to inform buyers of the features of the home in other seasons.

-Before showings remove snow, ice and leaves from walkways and driveways. Don't overlook outside entrances to basements, garages, and porches. Pet dropping are a turn-off to buyers.

Buyers.

-You can find motivated sellers at year-end, but don't think they'll give away their home. Do your homework before drafting a real estate contract. Look only at sold comparable's from the last six months.

-Don't be afraid to ask for concessions from sellers. Popular give-backs from sellers to buyers are: property and transfer tax rebates, closing cost credits and paying mortgage points.

-When performing a home inspection in wintry weather, it's easy to forgo adequate roof and air-conditioning condenser reviews. If you can't see or operate a structural or mechanical system, ask for an extension until the weather improves.

-Patience rules at the holidays. Everyone is busy, and if it takes an extra day to view a property, it's not uncommon.

Both.

-If you plan to close the purchase or sale of a home near a holiday, check with your agent, title company and lender to verify two business days before closing that they have all the required documents and funds have been wired to complete the transaction.

-If you are closing on your new home, select a mid-week day, early in the day, to schedule your closing time, to accommodate last minute delays by a mortgage loan processor, insurance or title company.

-If you plan to move during the holidays, keep in mind that moving companies will require more notice and could charge additional fees for packing, moving and delivering household goods on week-ends and holidays.

Mark Nash is the author of Fundamentals of Marketing for the Real Estate Professional, Starting & Succeeding in Real Estate, Reaching Out: The Financial Power of Niche Marketing, and 1001 Tips for Buying and Selling a Home. Mark is a contributing writer for: Realtor (R) Magazine Online, Broker Agent News, Real Estate Executive Magazine, Principal Broker, and Realty Times. He contributes residential real estate analysis to Business Week, CBS The Early Show, CNN, HGTVpro.com, The New York Times, The Today Show and USA Today. View his books at http://www.1001RealEstateTips.com

Friday, May 15, 2009

Opportunities in Tampa Commercial Real Estate

For investors, purchasing a commercial property in an exclusive real estate like in Tampa, Florida is not an easy task. Maybe some have experienced ending up wasting their investments in non-profitable commercial real estates. But in order to avoid this, always remember to follow the easy step-by-step procedure when planning and buying a commercial property.

A lot of rich businessmen are wondering how they can get a good deal on leasing rates for their office or industrial establishments specifically in Tampa commercial real estate. Some think that the place has become one of the most expensive locations for office sites. But think again. In reality, the commercial real estate market in Tampa offers the most affordable commercial lots and properties in the US. Owners of Tampa real estate could even demand on high prices on office rents since all the amenities are included in each of the location where the building was developed but they don?t.

Due to the culture options and the diverse recreational facilities in the area, not to mention the beaches and the sun suitable for golf, Tampa, Florida is the best place to relocate business. The economy is continuously expanding and growing with a lot of corporate centers that have also relocated in the area. The quality and rich life is there for every investor who would like to make a good business deal in Tampa. The real estate features with the display of countless of commercial property options makes Tampa the top choice.

Realtors suggest that the commercial market in Tampa real estate is still a competitive selling market. The buildings are stable and will always be for the next few years. That is because Tampa commercial real estate has the low interest rates and an exceptional market for relocation. It continuous to be strong and new constructions will always be a part of the Tampa commercial real estate life.

Researches say that a number of Class A office establishments has increased in Tampa real estate commercial market. Other people could not just believe that everything is going very well. There are many investment firms who are willing to spend a lot of money just analyzing how much longer the strong commercial real estate market in Tampa will continue.

Only one thing is for sure, with all the developments happening and all the people trying to fit in jus to get a piece of the commercial space in Tampa, it is safe to assume that the commercial market is still booming and will never go slow at least in the near future.

For a new business commercial investor or for even an expert investor, commercial real estates in Tampa, Florida can provide the peace of mind. Owning a good and solid investment like the best condo units, retail, industrial buildings, etc., would allow a lifetime of sweet dreams which is as perfect as a vacation for a lifetime. There will be no worries, just sensible investment.

Cleo Capili

http://tampa-realestate.biz

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.

Thursday, May 14, 2009

Strategy Board Games

Strategy games require a great deal of thinking in order for the player to win. Not only do the players need to analyze their move, but they also need to anticipate the moves of their opponent. Besides that, they also need to anticipate the outcome of several moves in the future. The immense importance of thinking ahead and applying the present and past situation to anticipate the future outcome, separates strategy games from many other games in general.

For example, Snakes and Ladders are hardly seen as a challenge for most adults. This is because the game is purely contingent. The roll of the dice determines the fate of the player, and there is no need to think things through. It is only the sheer suspense of it that this game is still popular amongst children.

Strategy games, on the other hand, rely heavily on how a person think things through, applying analysis, logic so a player can study the opponent, predict his or her moves, and eventually win the game.

War and Strategy

Today, strategy games, or sometimes war games, are more commonly associated with video games such as Red Alert or WarCraft. However, way before the advent of video games in present times, strategizing has been used in board games. If fact, it can be traced back to the mid-2000 B.C. with board games like Go.

Some people may ask why strategy games are more associated with war games. The analogy can be asserted by history. War and strategy go hand in hand. A general who cannot strategize well will lose his battles and suffer other considerable losses.

For example, the aforementioned game of Go is a virtual microcosm of a battle, or even a war. Several scholars have theorized that the game Go came from Chinese generals and tribal warlords who used the pieces of stone to make a visual representation of their attacking positions. They, in turn, could map out what will happen in the battlefield.

The correlation of war and strategy is especially evident in the game of chess. All pieces hold true military significance at the time of the game's creation, which was around the 6th century A.D. Checkers is also patterned on strategy and war board games, utilizing the player's quick-wittedness to overcome and defeat the opponent.

Other games that fall under this category are backgammon, Stratego, Game of the Generals, Battleship, and many more.

Investors and Murderers

Strategy board games have also evolved into more placid games. One great example is Monopoly. A game of real estate, investing, and many more is considered as the most popular board game in the world. Despite the fact that the player's pace is controlled by the dice, it still needs a great deal of strategizing in order to overcome the opponent. This is where smart investing, and at times luck, comes in-much like in real life. By strategizing with a business sense, the player can easily ruin their opponents' finances.

Clue is another game that demands strategizing. Players need to find the murderer among them. In this dizzying and confusing game, a player needs to outsmart everyone to know who the real murderer is. But lies, secrecy and confusion can easily leave players scratching their heads, until, of course, they are killed. Thinking ahead and speculating, like the rules of strategy, can definitely help the player.

There are a lot of great board games out there that require strategizing. The problem with today is that people are now more drawn into the video game types. Classic strategy board games like chess or checkers are actually more challenging to the mind. Contemporary ones influence interaction between family and friends. Video games don't exactly encourage conversation, so try strategy board games more often.

Visit Board Games Store A Place Where You Can Find Huge Selection Of Strategy Board Games And Find Info On The World's Most Popular Board Games

By Robert Diarioti

Wednesday, May 13, 2009

Clue The Board Game

Clue (known outside North America as Cluedo) is a board game for 3 or more players, in which they the players try to solve a murder mystery through a process of logical deduction.

At the beginning of the game, three cards are drawn at random (one Suspect card, one Weapon card, and one Room card), and placed inside an envelope without any of the players seeing them. These three cards specify the location, weapon and criminal in a fictional murder (example; Professor Plum, with the Candlestick in the Library). The other cards are then dealt out between players.

During the game, the players take turns moving their pieces around the mansion where the murder took place (movement speed is determined by rolling dice). In their turns, the players may also make suggestions about the murder, and the other player's must disprove the suggestion if they can (by showing a card disproving it to the suggesting player, but not to other players).

When one player believes he has deduced all three details of the murder, he may make an accusation. He then examines the cards in the envelope to see if his accusation is correct. If the accusation is correct, the player wins. If the accusation is incorrect, the player is eliminated, but places the cards back in the envelope without revealing them to the remaining players.

One amusing aspect of the game, is that it is possible for one's own character to be the murderer, and even win the game by deducing one's own guilt.

Originally published at http://www.brainchallenges.com/clue.php - Visit this site to buy the board game or play Clue on

By Sunil Tanna

Tuesday, May 12, 2009

Homes Sell Fast in Top 12 Metro Areas

Despite all of the talk of downturn and slowdown, some markets are still quite hot.

A survey by HouseHunt revealed that the top 12 metro areas are seeing homes sell within 30 days or less.

Approximately 46% of the sellers in these areas are receiving at least 100% of their asking prices. Seventy-eight percent of sellers are entertaining multiple offers.

The top spot is occupied by Charlotte, NC, where the median price of an existing home is $174,500. According to the National Association of Realtors, Charlotte's median housing price is $56,500 less than the national median, which is currently $231,000.

According to the survey, the average annual price appreciation of homes in the top 12 metro areas is between 5% and 10%.

The top 12 include:

  • Charlotte, North Carolina, with a median price of $174,500.
  • Seattle, Washington, with a median price of $338,600.
  • Nashville, Tennesee, with a median price of $165,300.
  • Salt Lake City, Utah, with a median price of $184,000.
  • St. Louis, Missouri, with a median price of $137,900.
  • Washington, DC, with a median price of $442,500.
  • Portland, Oregon, with a median price of $267,700.
  • Austin, Texas, with a median price of $167,200.
  • TIE -- San Francisco and San Jose, California, with a median price of $720,400 and $746,000.
  • TIE -- Los Angeles and Southern California, with a median price of $396,200 and $712,000.
  • The survey indicates that population growth, move-up buyers and multiple-home owenrs account for 62% of sales in these areas.

    Martin Lukac represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate and mortgage rates. We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

    Monday, May 11, 2009

    Honolulu Hawaii Real Estate

    Honolulu is the capital of Hawaii, and the largest city in Hawaii. Properties near Honolulu are in high demand due to the fact that the Honolulu harbor is the busiest and most important port in Hawaii. Investment opportunities are sought after in this area, because buying property in the Honolulu area can potentially become a great investment, and will eventually make you a lot of money.

    There are a lot of reasons why you may choose to purchase property in the Honolulu area. You might have decided to purchase a retirement home in this island paradise, or maybe a place to call home during your vacations. Another reason is for investment purposes. Since available land is such a rare commodity in this island state, property values are relatively high. Since this is a prime vacation spot for many tourists, developing land for hotels and restaurants is a prime investment opportunity.

    Many potential buyers make the mistake of avoiding realtors, in favor of dealing with the seller directly. People have the misconception that they may be able to get a better deal bypassing the realtor. This could potentially become a very expensive mistake on the part of the buyer. By not dealing with a realtor, you may not be able to take advantage of the best values on the market. If you are in the process of purchasing property in Honolulu, you may want to consult with a realtor who specializes in property in that area. They will have all the information available, and they will help you get the best deal. A realtor will also be able to negotiate with a seller to benefit you.

    The contract you sign to buy property is a legally binding one. Avoid signing an improperly written contract, because it could cause you lose thousands of dollars.

    Hawaii Real Estate provides detailed information on Hawaii Real Estate, Honolulu Hawaii Real Estate, Maui Hawaii Real Estate, Big Island Of Hawaii Real Estate and more. Hawaii Real Estate is affiliated with Hawaii Real Estate.

    Sunday, May 10, 2009

    Wilderness Camps Let Campers Really Rough It

    If your idea of a great vacation is being pampered, wilderness camping is not for you. Since these camps generally offer a variety of high excitement activities with not much in the way of modern conveniences pampering is not an option. However, during a week or two at a wilderness camp, children can learn important lessons such as survival skills, first aid and wilderness safety. As a plus, kids will also be forced away from the television and video games for a spell so they can connect with nature.

    One of the first and most obvious aspects of wilderness camping is, of course, the wilderness. These campers do not visit already set up camps with cabins, kitchens and bathroom facilities. Along with leaders experienced in wilderness survival, they set out to make their own adventure and their own camps.

    Wilderness campers generally carry all of the things they need to live during their camping trip in a backpack on their backs. Their packs will hold their clothing, food and eating utensils as well as tents and bedding. Depending on their activity, they may make and break camp each day, or they may set up one camp site and stay there during their entire camping trip.

    These campers generally travel to remote places where there is no electricity or plumbing. They must learn to cook all of their food over a fire and also set up a tent and campsite that will be protected from the elements. Campers will be taught how to pick a good campsite and how to pitch a tent properly. They will also be taught fire and cooking safety.

    During their camping experience campers will also learn the basics of wilderness safety. This will include training in which plants, animals and insects are poisonous and what should be done if someone should become poisoned by a plant or insect. Campers will bring the lessons they learn while wilderness camping back to their everyday lives where they will know how to properly handle emergency situations.

    In addition to the skills they will learn, most campers will tell you the exciting activities they can participate in during the trip is the focal point of wilderness camping. Wilderness camping will generally focus on an activity that can no be experienced in any other type of camp.

    These activities can include mountain climbing, white water rafting, glacier hiking or backpacking in the forest or jungle. Wilderness camps are available in locations in both the United States as well as foreign locations, so your child can choose the adventure that is right for them.

    Participating in a wilderness camp can help children learn the skills they need to survive and help others survive in the case of an emergency. They will also learn the extent of their own inner and physical strength as they participate in the adventure of their lives. Additionally, wilderness camps will also force kids away from video games and television for awhile and help them focus on nature and the world around them.


    About the Author:

    Still looking for the perfect summer camp? Try visiting http://www.aboutcamps.com - a website that specializes in providing camp advice, tips and resources including information on wilderness camp.


    Saturday, May 9, 2009

    Take Advantage of Top Producer to Manage Buyer and Seller Leads

    The National Association of Realtors recently conducted a study that found that most people select the first Realtor who follows up with them to be their buyer's or listing agent. So many Realtors fail to follow up with potential leads that it creates an opening for the few who do. Why do so few Realtors follow up with their leads when it clearly leads to success?

    The problem is that simply keeping track of potential leads can be a full-time job in itself. Luckily, modern Realtors now have access to inexpensive software that can do this work for you - many programs even automatically follow up with your leads!

    Taking Advantage of Top Producer

    Top Producer is the leading software program for Realtors. It has a great system that uses email to keep in contact with your clients. Most buyers and sellers enjoy email because it allows them to see that you're taking care of and remembering them, but it's unobtrusive. Many buyers take up to a year to make a decision on a home, and it can be easy to forget to call. If you set up an automatic email system through Top Producer, that buyer will receive frequent messages from you, even if you've forgotten that they're still looking! What an easy way to make sure that when they do find that perfect house, they will call your number.

    Top Producer Works For Low-Tech Clients As Well

    For clients who don't use email or who prefer a more personal touch, you can still use technology on your end. Set up reminders in Top Producer to tell yourself to call them. Top Producer can network with your handheld device, too, and be programmed to set off an alarm when you get an alert! Use this feature and you'll never forget to stay in contact again.

    Also set up reminders to send out your direct mailings. It can be tempting to put them off, but when it automatically appears on your to-do list, you'll be reminded to keep up that contact. Make sure that you don't lose a client when it can be so easy to keep everyone happy!

    Brett Miller is the founder of HoopJumper.com and has created the best lead generating real estate websites in the industry and helped hundreds of real estate professionals make the most of their Internet presence. Call 888-Hoop-Jumper for a complimentary web analysis today or visit http://www.HoopJumper.com to see how HoopJumper can help you grow your business.

    Friday, May 8, 2009

    Making the Fresh Start Presentation

    So you are out and running your route and have found a homeowner home who wants to listen to a Fresh Start Presentation (FSP). Remember the Fresh Start Presentation is the Homeowner Options slide show that you have. It goes through the advantages and disadvantages of the seven (7) options available to the financially distressed homeowner. They are as follows:
    1)Sell on the Open Market
    2)Refinance the home
    3)Restructure the mortgage
    4)File bankruptcy
    5)Borrow from friends and family
    6)Let it go to foreclosure
    7)Sell to an investor

    Whether you have scheduled an appointment or have just knocked the door the opportunity to make the presentation will lead to money for you. So what is the best way to make the presentation? Do you start with the overview and then go through each option? Do you ask some preliminary questions and get to the homeowners present position or do you just get to the price we will pay for the home and leave it at that?

    The answer depends upon the homeowner and your preparation for your visit with the homeowner. Remember ?Information is power and the key to a successful negotiation and purchase of your next home or investment property?. So if you have failed to prepare for your meeting with the homeowner your chances of success are diminished. We try to gather information for you and put it in the notes. Some information can be gathered by going over the pricing of the home when you have a scheduled appointment. The rest of the information will come from the homeowners? needs and wants and honest eyes.

    What follows are typical situations you will run into in the field and what assumptions you should make if you run into these types of situations. They are 1) Research indicates that the home is on the market. 2) Home is vacant; 3) Homeowner just came out of Bankruptcy.

    Home on the Market

    What assumptions can we make if the home is placed on the market?
    1) We know that they are willing to leave the home and move on with their lives.

    2) The Homeowners have cut the emotional attachment to the home.
    3) They have either eliminated or exhausted the following options: refinance, restructure and borrowing from friends and relatives.
    From this we can make the following conclusion: The homeowner is left with the bankruptcy option and selling on the open market or to us. Here is a note from a locator regarding a house that is on the market.

    Visited 8/12/06; 1PM. Met HO in driveway. HO's are divorced and selling the property. Home vacant. Property is listed with Briarwood Realty. Presented the Fresh Start Program to HO's. Interior of the home is broom swept condition already. Good condition. Husband was ready to give release, wife not willing to give release today. Wife indicated that she would like to take a few days and to talk with the bank on Monday. We agreed to contact each other on Tuesday 8/15/06. I left contact info with them and received their contact info as well. Will take complete set of photos when I get the release. Both HO's confirm that they have equity in the property.

    Now what part of the FSP would you pitch to get the release? How do you begin the process? If I knew the number they had placed on the house, I would talk about market time, home inspections and the possibility of an unsavory investor tying them up until it is too late and purchasing at the auction.

    If I did not know the market number I would ask for the price and how long it has been sitting on the market.

    This type of presentation should begin with a back-up plan or safety net plan. It should inform the homeowners that we could possibly purchase the property in a quick fashion and net them some money for their fresh start. We would do this by making a deal with the listing broker to continue to list the property after we purchased it. Saving the homeowners the cost of the broker. We could also inform them that they would not have the carrying costs, insurance, taxes, and foreclosure costs that are currently stacking up on the property. All of this may add up to a less stressful conveyance than waiting out a slow market. If you are fairly new at locating just use the making the offer to the homeowner chart to walk you through the offer: This chart is located on the resource page of the website.

    When a home is on the market it is fairly difficult to get a homeowner to agree to sell the property to an investor. Reasons are that some mortgage broker has told them that they can sell their home for a number we will not pay. Only time and an auction date will usually make this homeowner come around. A smart locator will make the pitch for the backup plan and wait until it is close to the auction to return for a final opportunity to purchase the property. In the meantime just call the homeowner every week or ten days to check in on their situation. This will allow you to have a continuing dialogue and build some type of relationship with the homeowner.

    HOME IS VACANT

    What assumptions can we make if the home is vacant?

    1) We know that they are willing to leave the home and move on with their lives (they already have).
    2) The Homeowners have cut the emotional attachment to the home.
    3) That the house is costing the homeowner carrying costs each and every day. We can stop the bleeding by purchasing the home.
    4) Homeowner should be happy to unload the property.

    Here is a note of a recent vacant home visit:

    Visited 8/12/06; 3:15PM. HO not home. Left into letter in the door with personal note. Spoke with the neighbor to get an update on this property. Mailbox is full. Shrubs and vines have overgrown the yard and cover the primary entrance to the house. Lawn has not been mowed in months. Neighbor says that the owner is a great person. He seems to think that the owner has another residence in Marshfield. This property had been up for sale. The HO has been trying to sell it for almost 2 years. He believes that the last listing was $249K. He also has been in the house and said that a lot of work has been done on the inside. Driveway is not paved. Otherwise, nice neighborhood. Dead end street with playground for children. This property is on the quiet end of the street directly across from the playground, corner lot. Looks like a good investment. We will need to track this person down.

    Once the homeowner is found the pitch would be straight to the sale of the property to our company. There is little need to go through the rest of the options with this homeowner. It would simply be straight to the sale of the property. Again, this particular note tells us that he had it on the market for 249,000 dollars for two years or so. So we could easily tell him that the price of the property is too high and substitute it for the price that we would sell the property at. (see your manager or the index for the price). Next, I would use the Homeowner chart again to go through the price we could offer on the house and why. Once you as a locator get familiar with the costs associated with a home you can forego using the chart.

    This vacant property purchase should be fairly easy once we have tracked down the homeowner. There is no emotional attachment, in fact the homeowner should be relieved to get rid of the property. I would stay on your manager to find these owners and provide you with the means to make a deal.

    JUST OUT OF BANKRUPTCY OR IN BANKRUPTCY BUT IS LIQUIDATING THE PROPERTY TO PAY FOR THE PLAN.

    What assumptions can we make if the home just came out of bankruptcy?

    1) We know that they are finished with most of the options. They can file bankruptcy again but it will not help them.
    2) The Homeowners can try to refinance but the cost of the mortgage will be astronomical.
    3) That the homeowner has tried everything to save the home and failed.

    Here the homeowners have been through the entire process. They have borrowed money from friends and relative, tried to restructure, and refinance the home as well as save it in bankruptcy plan by forcing a payment plan on the bank. Nothing has worked. You need to allow the homeowner a way out with dignity if possible. That may come from you just purchasing the property and giving them enough to begin renting.

    They only have two real options left: 1) sell on the open market or sell to us. Your job is to explain to them the problem of selling on the open market with only weeks to go to the auction is not a viable option. The real option is trying to get some equity out by selling to us.

    This type of purchase has to be performed with surgical precision. You have homeowners who are emotionally drained from the process of trying to save the home. They trust nobody including the lawyer who took them into bankruptcy and feel like everyone has screwed them. If you are empathetic now would be the time to show it.

    Here is a note on a property where this happened.
    7/31 note: Relief from stay of auction granted.
    11/05 note: In chapter 13 now. He isn't interested in hearing our option as the thought of selling his home makes him cringe. He did agree with me that selling is better than losing to auction. He has the auction stayed for some time now. Let?s keep an eye on his bankruptcy. This is a good home.

    From the note the locator has been watching this house since early November 2005. Long time to check in on the property, but it is getting ready to payoff. The new note indicates that the bank has now received the right to foreclose upon the property. It is usually the step before the bankruptcy being dismissed.

    The locator will now need to go out to the home and listen to the story of the bankruptcy and convince this homeowner that it is best to sell the home instead of losing it to the bank. This homeowner really does not want to sell the house in fact he would rather stay in the house. With that in mind it is going to be a tough sell.

    Again, this pitch should be a straight up number crunching pitch going through the items on the chart. Remember you are going to have to deal with the emotional tie to this house. From the note it is quite evident that this particular homeowner has this tie. When I make the pitch I usually talk about the house as sticks and bricks which is not really a home. The home is his family and the memories which they get to bring with them to the new house they will be occupying. If you can get through the emotional you will purchase the house.

    good hunting
    http://frontgateconsulting.com/

    http://frontgateconsulting.com/

    Wednesday, May 6, 2009

    Living The Laid Back Life In Tennessee

    Tennessee is a great destination for the avid vacationer and the couple or family looking to get away to a more rural lifestyle. Of course if you are into the big city life, Tennessee can accommodate you for that as well.

    Eastern Tennessee is one of the foremost vacation destinations in the Southeastern United States with cities such as Gatlinburg, Pigeon Forge and of course the Great Smoky Mountains National Park. The Smoky Mountain National Park is the most visited National Park in the United States with more than 9 million visitors every year and Cades Cove is the most popular destination within the park. Cades Cove offers a look back to what life was like for the early settlers during the 19th century. A 10 mile loop road around the Cove is the highlight of a visit here.

    The park also includes more than 800 miles of hiking trails for everyone from a casual nature walk to backcountry rock climbing.

    Gatlinburg is the main town that services the National Park and if you aren't camping in the park you are probably staying in Gatlinburg. An interesting little known fact about Gatlinburg is that ten times as many people lodge in Gatlinburg every night as live there. Gatlinburg and the surrounding area boasts accommodations for more than 30,000 people. Some of the more popular places to stay are in log cabins with incredible mountain views or in a secluded wooded cabin away from everything. There isn't anything that will give you more of a sense of the rural and relaxing lifestyle than to vacation in a log cabin.

    Gatlinburg's sister city, Pigeon Forge, offers many attractions and hotels on the main road through town. Go-karts and the Dollywood theme park are the more popular attractions. Pigeon Forge also boasts one of the largest outlet malls in the south for the person that can never get enough shopping.

    Tennessee has a rich history that includes many major battles fought in the Civil War. If you are a civil war buff you can visit such historic sites as Chattanooga National Military Park, Fort Donelson National Military Park, Shiloh National Military Park, Stones River National Military Park and the Andrew Johnson National Historic Site as well as others.

    If you would like to live in Tennessee and still be close to the mountains, but away from the tourist areas, then Knoxville is your city. With a population of 180,000 and great home prices you can be within 45 minutes of the Smokies and enjoy everything the city has to offer.

    And if you do enjoy the amenities of the big city life then Memphis will surely accommodate you. The Memphis metropolitan area has a population over 1.2 million and offers everything you could want in a big city. It is famous for music and has produced several genres of well know music such as the blues, rock n roll and gospel. Some of the more famous Memphis musicians are B.B. King, Johnny Cash and of course the King of Rock n Roll, Elvis Presley.

    Tennessee offers a little bit of everything for almost every one. Come and enjoy a great vacation or choose Tennessee as your permanent address.

    Alan LeStourgeon writes about several areas of the country on his Melbourne and Palm Bay web site where you can get more information about the Tennessee lifestyle and search Tennessee MLS listings for a new home.

    Tuesday, May 5, 2009

    A Different Type of Real Estate Investment

    Real Estate seems to be on everybody?s mind these days. Especially in California, everybody you meet and half of your phone calls involve people trying to get you involved in real estate and refinancing. The problem with this is that the bubble has burst. Nobody wants to pay these ridiculous prices for homes anymore. The best way to invest in real estate involves land, and just land. Unlike the flooded real estate market, only a few people know how to correctly invest in land. For one thing, prices for vacant land are low. However, the price for vacant land in developing communities goes up; this is the key to making money though land investment. There has recently been a large surge in demand for land.

    Over many years, real estate was the big deal. People only know about condos and houses. In California, the bubble is getting especially big as it's becoming a buyers market and internet rates are going up, as well as lowering house prices. California is proving to not be as good an investment as it was thought of before, yet there are still communities you can invest in and develop in other states.

    Many people don?t invest in land. However, prices have been going up. People have started to invest due in part to affordable prices, easy selling ability and the surge in prices of land in booming communities.

    Another benefit is that you most likely will not need a mortgage payment for investing in land; especially if you are just starting out. You will not need insurance, as well, until you start development.

    Land is a finite commodity. People can keep building houses taller and taller, yet there is only so much land in the world. It makes sense to make use of it!

    Business Link- Buy Land and Lots at Low Prices- Silver Discount Properties

    Monday, May 4, 2009

    Utah Mortgage What to Expect When Buying a Home in Utah

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

    The median price of a home in Utah is $146,100. Recently, homes in Utah have been appreciating at rates below the national average. Therefore, affordability is favorable in the state of Utah. Interest rates in Utah are below the national average, and job growth rates are the third highest in the nation.

    The price of homes in Utah varies widely between zip codes. For example, in Salt Lake City, Utah, the median price of a home in the summer of 2005 was $262,000; however, in Provo, Utah, the median price of a home was $236,000, and in St. George, Utah, it was $200,000.

    In Utah, mortgage financing and regulation are monitored by the Mortgage Lending and Servicing Act. Lenders and brokers are not allowed to charge Utah borrowers any fees while the loan is being processed. Additionally, at loan closing, the lender must supply the borrower with any information regarding the balance of an escrow account, unpaid balance of the mortgage loan, and date and amount of all payments credited to the borrower?s account.

    Utah residents qualify for both state and federal housing programs. The state of Utah offers below market interest rate loans to low or moderate income residents who purchase homes in qualified rural areas.

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

    Sunday, May 3, 2009

    Housing Bubble Cool Not Popped

    Has the housing bubble finally burst? Or has it cooled down?

    According to DataQuick Information Systems ?A total of 27,286 new and resale homes were sold in Los Angeles, Riverside, San Diego, Ventura, San Bernardino and Orange counties last month. That was up 10.3 percent from 24,748 for the month before, and down 11.7 percent from 30,886 for May a year ago.? Statistics like these may support that the real estate market?s bubble hasn?t necessarily popped, but has slowed down.

    Other facts that DataQuick published, the move-up category of home sales, when homeowners literally move up from a 2 bedroom home to a 3 bedroom home, have slowed down. But the entry-level homes and mid-range home sales have not slowed down and those prices are still rising, but at a slower pace.

    Foreclosures are showing a moderate increase in numbers which means this market could be easily tapped by home buyers and investors. There are a number of sites on the Internet which make it easy to access information on foreclosure properties, including PoliceAuctions.com , a site that allows it?s subscribing members to access over 2653 government auctions in its database which include residential and commercial properties. The site will also allow its members to access listings for thousands of foreclosure properties.

    Trends culled from DataQuick support the idea that the real estate bubble hasn?t popped, but has cooled down. This cooling trend maybe more apparent in some areas, but otherwise the real estate market overall is still healthy.