Archive for September, 2009



Three Top Gift Choices For The Health Conscious

Posted By jpull on September 30, 2009 @ 10:36 am

Its a sad fact that a lot of the gifts we give people these days arent exactly great for their health. You only have look at your pile of presents that you get at Christmas to see just how many boxes of chocolates, bottles of alcohol and computer games people give and receive. With health consciousness at an all time high, here are some great suggestions for health-giving gifts. Continue Reading »
Three Top Gift Choices For The Health Conscious




Real Estate Investing Tips & Techniques

Posted By stevenlocke on @ 2:11 am

When you think of real estate investing, a number of things may come to mind. Depending on how familiar you are with real estate investing already, you might think of real estate portfolios and real estate retirement plans, or you might focus on short sales, bulk reo investing and virtual real estate investing. You may also wonder what type of role these things can play in your life as a real estate investor in different types of economy.

There is a lot to learn about real estate investing. The best way to get the most out of your real estate investing education is to be familiar with some basic information ahead of time. Short sales, bulk reo sales, virtual real estate and general real estate investor abilities all are improved by knowing some basics of real estate investing. Check out these three real estate investing tenets that many experts do not fully know:

1. You will always end up with a positive yield when you invest in real estate investing education. Every real estate deal has the potential to create thousands of dollars in potential wealth. Getting the wealth is the key to your success. When you know about real estate your odds of success increase with each real estate deal. Small investments in education yield big results upon implementation.

2. Any economy allows for success in real estate investing. Lots of people believe that real estate success is only possible in a booming economy. In reality, poor economies are great for real estate investors. You frequently can get properties at deep discounts. Also, you might find deals that simply could not exist in a booming economy. In fact, real estate investing can turn the tide for a poor economy. When the economy is not so good, short sales, bulk reo sales and virtual real estate are great. You will be able to save yourself and others from serious financial difficulties if you know how to do these deals.

3. You do not need lots of your own cash to be a successful real estate investor. You can succeed in real estate investing no matter how much money you have. There are many deals that will let you use other people’s money to do them. If you look like a good investment a private lender may let you use their money. The best way to look like a solid investment is to have an in-depth knowledge of real estate investing. This will help you show private lenders that you are a good investment if they do not know about real estate investing themselves.

Real estate investing is a good way to generate a great deal of wealth. You can create a good income no matter what the state of the economy. You can create your own success using your knowledge of short sales, real estate investing, bulk reo sales and virtual real estate. Real estate investing basic knowledge will help you succeed as a real estate investor.




Benefits of using reverse phone technology

Posted By stevenlocke on September 29, 2009 @ 10:12 pm

Being dishonest is one of the flaws that humans usually have. It is but unfortunate that humans lie and there are spouses that cheat on their partners sometimes.Or your children could lie to you about the people that they mingle with.It was really very difficult to monitor this in the past.But with the improvement in information and the internet you can now do it.

For instance let’s take a look at a cheating spouse.  In times past they may have been able to get away with things.But it is already very easy to catch a cheating spouse these days just by checking their phone history. As you may know, all mobile phones has a feature of keeping records of a lot of calls. Well if you do a reverse lookup by phone number a spouse that suspects that their lover is cheating can find out who that unknown number is. You used to not be able to do that.What is usually done then to find out who the caller is is to call the number and try yo recognize the voice on the other line. Not anymore.

Or in the case of your teens.It seems that all teens nowadays have a cell phone.Well it is but natural that we, as parents, would want to know who our kids are trying to hang out with.Or what’s worse is when we want to know if they are hanging out with older people. Just like with cheating spouses we can look at their phone records and do a reverse cell phone number look up and see just exactly who our kids are contacting.  We can get a sense of relief if all the names are familiar.  If there are unfamiliar names we can investigate further.

Obviously, doing some investigations is now easier to perform due to advances in technology. Records are so easily kept nowadays.  And with some careful reverse telephone number lookup we can find out a lot about what our spouses or kids are up to.We hope that we will not find something bad but at least our suspicions will be put to rest.




Hair Loss Causes And Symptoms

Posted By jpull on @ 4:36 pm

First, it’s not every time you notice hair loss that you should be scared to death; some types of hair loss are reversible as well as temporal. Hair loss can happen to anybody in the sense that men, women and children can be afflicted. Without having hair loss difficulties you would be able to make excellent choppy haircuts. Continue Reading »
Hair Loss Causes And Symptoms




Avoiding Commercial Finance Malpractice

Posted By stevenlocke on September 28, 2009 @ 9:43 pm

The process of avoiding malpractice for small business financing has simultaneously become more important and difficult. Since ignoring the issue might result in devastating costs, any time and effort required to avoid such problems should be easy to justify. The possibility of commercial funding malpractice should be a serious concern when there appear to be shortcomings in carrying out normal professional duties. Malpractice can occur with both lenders and brokers for commercial mortgages and commercial loans when commercial borrowers are seeking business loans.

One of the biggest recent causes of malpractice involving commercial financing transactions is dealing with an inexperienced advisor. Starting a number of months ago, chaotic conditions began to impact residential real estate. Because numerous former residential lenders and brokers are now attempting to execute business loans after previous residential lending activities decreased, this has produced problems for commercial borrowers.

When describing a commercial lender or broker, inexperience involving business financing is never a good thing. What borrowers need to be acutely aware of is that inexperience coupled with the complexity of business loans is likely to result in a recipe for malpractice in almost all cases.

Even if they did a superb job with residential financing, it should not be assumed that a broker or lender wil be good at successfully completing commercial real estate loans. There are many significant differences between small business financing and residential financing. It usually requires years of effort to master the intricacies of commercial loans.

Agents for many business cash advance programs are another common source of malpractice with working capital financing. Typical agents might not understand business loans in general because they represent only providers for credit card factoring. All too often these advisors will be incapable of assisting with other small business financing services because they are focused on only their own specialized service.

Although it might not be obvious to most business owners, the malpractice potential with merchant cash advances is also directly related to the first example described above involving inexperienced brokers and lenders. In many cases call centers that previously focused on residential real estate loans have simply switched their focus to merchant financing programs. When complicated working capital management services are involved, inexperience is never a good thing.

When assessing potential obstacles for working capital loans and business loans, the malpractice examples described above are just the tip of the iceberg in most cases. The importance and value of being prudent in pursuing small business financing should be reinforced by this precautionary alert.




Spa holiday rescued me!

Posted By jpull on @ 8:37 am

Over the last 23 years, i have been working in the same monotonous job. I had collected so much holiday time in my job, simply because i never really went anywhere, that it was time to take an extended holiday. Being in accounting i had a day to work too, i generally worked through the entire day, so i was getting very stressed. Continue Reading »
Spa holiday rescued me!




How To Find Cheap Car Insurance For Young Drivers

Posted By stevenlocke on September 27, 2009 @ 6:16 am

 

There are bunches of ways you can get cheap car insurance for young drivers. Ive discovered lots of ways to reduce the costs for my car insurance, and im going to share them with you! Why pay more than you have to? I found many of these ways methods by searching around online, and we can both use them to save money each and every month on auto insurance. One of the very first things you can do, and this one’s probably obvious, but that is to check rates with several car insurance companies. Let’s take a look at some other ways.

If you are a homeowner, you want to look at combining insurance policies if you can. Cheap car insurance for young drivers can also be obtained through discounting from your auto insurance company for things such as anti-theft devices (manufacturer’s or added later), multiple car discount, taking a defensive driver’s course, and safety features on your car. Keeping your credit rating looking good can also help your rates stay down. Most insurance companies offer monthly payments, which is in effect a loan, so pay the fee outright and avoid the interest. Check for group discounts. Just call your carrier and ask for the list.

A great way to lower your car insurance costs is also to reduce some of your coverage levels. Every area has their minimums, but ask your agent about those things. Make sure your mileage to and from work is accurate. Sometimes a small difference can make a huge change in your premiums. One more strange piece that is a bit different, but can make a huge difference is if you are storing your car for a long period of time without using it, you will be able to reduce your coverage to comprehensive storage coverage. As you can see, there are many great ways to get cheap car insurance for young drivers.

One more great thing about your car insurance is that if you do have comprehensive and collision coverage, you won’t need to obtain the offered insurance when you rent a vehicle. There are many ways to get cheaper car insurance, but its important you get the level of coverage that you want. You want to discuss the pluses and negatives of these changes with your agent. A helpful insurance agent should be able to explain what level of cover is best for you. You can get great rates if you use this advice.




i need rent money now,

Posted By stevenlocke on September 26, 2009 @ 2:40 am

Do you feel like, your current job can do just fine without you?

Your body and mind is numb and your feet hurt because you worked hard all day and you have come to a place you call home at night, only to discover that you will not be getting that sleep you really deserve after all. You will toss and turn again tonight because on the table in the next room, there is pile of bills.

The phone will also ring a couple of times before dawn. Need i say more?

You will toss and turn because you think its about the immediate debt, but believe me, the mind is way smarter than you want to give it credit.

Deep rooted issues that nag you secretely and subtle.

You are no more indispensable at your job place. Most of the time , you will have to clown your way and suck up more in order to stay in the loop.

Your better half does not think you are in control anymore and now and then goes or stays away for a while with other folk for you to sort yourself out. It’s already 3 a.m. and your body finally gives up and you go to sleep but then off goes the faithful alarm always on schedule to wake his master up to rise up and shine.

Whatever the deal is with your debts, you will still have to get to work on time before you lose everything.  And you will have to be on the road in 15 minutes flat else you will hit the traffic, and you remember what happened last time when you were late to pick your son up for school.

OK. It’s time for you to go to work. Day two comes and you’re off again to the usual rat race.You don’t know how to wiggle yourself out of this vicous cycle. Later that night you lay in bed, thinking how you’re going to pay all of these bills. Despite your best efforts on the job, including overtime, it doesn’t seem to be enough. What can you do to avoid total disaster? Who can you to turn to?

Does this resemble your situation? Are you a Christian having sleepless nights because of your finances? Here are the top five reasons I have found why people get into debt:

1) We are not taking the time neede to really understand in detail the people who’s lives we tend to emulate. 2) We refuse to accept the truth about our current Health Care System. If you don’t have money in America, you can die from lack of  appropriate care.~ We have heard of people paying $150 grand a month to have private doctors and they still wind up Dead.3) The only way you can have a three month vacation is when you have your own business. And three months vacaton is what you really need to wind down  4) Divorcing and the other party charged up cards in the process splitting up 5) Impulse Shopping?Well that is only me.

I too was a victim. Debt is like a social virus, it spreads so fast and is very hard to contain. My husband equally had financial woes, his was still on this list. Being in debt has a way of having a hold on you and causes you not to think clearly. People in debt tend to operate out of fear – for example they ignore phone calls because it might be a collection agency on the other end. How many calls have they missed? Or perhaps, they write a check in the hopes that it will clear the bank; knowing full well they spent the money on luxuries and other needless excesses that have caused the bank account to have insufficient funds.

If any of this sounds like you or someone you know, assure them they can get out of debt without filing bankruptcy. They have to want help and not let pride or embarrassment get in their way of being helped.

I refuse to accept the current nonsense about being financial solvent so long as you obtain a degree so long as you dont work for yourself, you are not living the American dream. The economy always dances to the tune of supply and demand. At a certain time, it was the automobile industry,then came the computers and now its going to be the Green Dream Peddlers. The Gold Rush demon has ways of transforming and renewing its image but it is the same story. There are going to be people well placed to profit personally, but making it has nothing to do with saving it.

In a Gold rush, there are those who dig and those who provide services to the digger’s, buyers,and whoever happens to be there.

Why would you pay someone to help you get out of debt?

 




Hair Replacement Tips

Posted By jpull on September 25, 2009 @ 8:36 pm

We lose hairs all over our bodies all the time, but there is a special class of people who are losing the hairs on the tops of their head so fast that you wondered if there was hair there in the first place. Guys like that mostly don’t like to be like that, and except for a few folks who have resigned to their fate, most others strive to find ways to make up for it. Thankfully, hair replacement makes it possible today. Continue Reading »
Hair Replacement Tips




Real Estate Investing Keys to Know

Posted By stevenlocke on @ 4:39 pm

A number of things likely come to mind when you think of real estate investing. You might immediately leap to real estate investing being real estate portfolios and real estate retirement plans or you may think instead of short sales, bulk reo investing and virtual real estate investing. You likely also are wondering how these things factor into real estate investors’ roles in the current economy.

There is a great deal to know about real estate investing. Getting the most out of real estate investing education involves being familiar with basic RE info. Short sales, bulk reo sales, virtual real estate and general real estate investor abilities all are improved by knowing some basics of real estate investing. Here are three real estate investing basics that even some experts do not really know:

1. You will always end up with a positive yield when you invest in real estate investing education. Each real estate deal can represent thousands of dollars in potential wealth. Understanding how to get that wealth will be the key to your success. Learning as much as possible about real estate will increase your odds of success whenever you do a real estate deal. A small investment in your education can yield big results when you implement your learning.

2. You can succeed in real estate investing regardless of the state of the economy. Many people are under the misconception that success is possible in real estate only when the economy is good. Actually a poor economy is not a bad economy for real estate investors. Likely you will be able to find properties at deep discounts. Additionally, you may find deals that would not exist in a booming economy. Poor economies can have the tide turned based on real estate investing. When an economy is less than thriving, short sales, bulk reo sales and virtual real estate can prosper. You will be able to save yourself and others from serious financial difficulties if you know how to do these deals.

3. You do not need a lot of money to be a successful real estate investor. You can succeed in the real estate investing arena no matter how much money you are working with. There are lots of deals that you can use other people’s money to do. If you appear to be a solid investment you may be able to use a private lender’s money. The best way to be a good investment is to know as much as possible about real estate investing. This will enable you to show people who have money for real estate investing but may not know how to use it that you are a good investment.

Real estate investing is a great way to create a good amount of wealth. You can create a good income no matter what the state of the economy. You can create your own success using your knowledge of short sales, real estate investing, bulk reo sales and virtual real estate. Knowing the basics of real estate investing will help you succeed as a real estate investor.




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