Make Sure You Buy A Nursing Bra That Works Best For You

Lets get one thing straight; despite what you may be told, you dont need a nursing bra to successfully breastfeed. Breastfeeding women in many cultures do not wear nursing bras a simple piece of cloth wrapped around the breasts suffices. However, many women are used to wearing bras and appreciate the support they give therefore when it comes time to breastfeed choosing the correct nursing bra is important.

You might ask: wont a normal bra work just as well for breastfeeding? Well, if youre comfortable wearing a normal bra when breastfeeding, find it gives you the support you need, is easy to use and is discreet, then yes, wearing a normal bra is fine. However, many women find that wearing a normal bra to breastfeed their baby is just not practical and a good nursing bra allows for better breastfeeding.

Making sure a bra fits correctly is important; it is even more important when choosing a nursing bra. There are many different types and they come in all shapes and sizes. A nursing bra that does not fit correctly fails to support your breasts and can block your milk duct causing milk production to decrease in extreme cases blocked ducts caused by a badly fitted one can lead to mastitis.

Many large breasted women prefer the support offered by underwire bras. But you should avoid under wire nursing bras in the early postpartum weeks. Having said that, many breastfeeding mothers do like underwire bras just avoid underwire for the first weeks and make sure you buy an underwire nursing bra that fits you correctly. There are many excellent ones on the market; Medela Extended Size Classic bra and the Playtex Fancy Me Underwire Lace Bra to name but two. If you want to spend that little bit more, the Bravado Supreme Nursing bra is especially designed for the fuller-breasted woman and is made from delicately embossed fabric, which is strong yet silky to the touch, allowing clothing to glide over it.

Many nursing bras make breastfeeding easy and discreet because they are designed to open at each cup. A good nursing bra should open at the cup but still provide plenty of support for the breast. Also, before you buy make that you can open the cup with one hand; you should also be able to close it one-handed as well if you cant then dont buy it. Most brands come with plastic clips - such as Medela and Elle Macpherson nursing bras, or eye and hook - such the Goddess and Bravado maternity bras. For nighttime use, you dont really need an open cup nursing bra just a simple stretch fabric nursing bra is fine you dont need the support so much and breastfeeding is simple as you just pull the fabric over your breast.

Most good nursing bras are designed to allow the insertion of breast pads. Leaking breasts cause many breastfeeding mothers much embarrassment - breast pads give a breastfeeding mother confidence when she goes outside the home.

Choose a maternity bra with wide, cushioned straps as they will make wearing a bra more comfortable by better distributing the weight of your breasts. Also, make sure that it has 100% cotton lining in the cup - it's important that your skin breathes as sweat combined with breast milk can cause rashes and mastitis.

The shape of a breastfeeding mother's breasts change over time; in fact the shape of the breasts change throughout the day. Nursing bras are very adjustable. Most good makes, such as Medela, Bravado, and Playtex are designed to allow adjustment at the strap and also at the cup.

You should invest in a number of nursing bras youll need a clean one each day. You dont have to buy all of them before you start breastfeeding, in fact its a good idea to buy most of them during the time you breast your baby as the shape of your breast will change over time.

Finally, if you can afford it, buy a really pretty, feminine nursing bra for those special occasions. These days you can now buy a really sexy one, although they don't usually come cheap. The Elle Macpherson nursing bra is a very beautiful nursing bra.

Robin O'Brien is founder of Breastfeeding Information. The site promotes the benefits of breastfeeding. Find out more about nursing bras like the Elle Macpherson Nursing Bra.

Article Source: http://EzineArticles.com/?expert=RobinO'Brien

By Robin O'Brien

How Yo Learn Any Song In Under 30 Minutes With Your Guitar

Style Yourself like a Celebrity: Gorgeous Prom Jewelry for Every Dress

A dress without accessories is like a Christmas tree without ornaments: beautiful but oddly naked. Celebrities and their stylists know that carefully selected accessories can make or break an outfit. Coordinated accoutrements can tie your look together, creating a pleasing package, while clashing pieces can distract the eye and throw off your entire look.

While it's difficult to decide which of the myriad wonderful accessories to wear, you don't need a celebrity stylist to get it right, as long as you keep the following time-tested tips in mind. And remember: less is more. Wear too many accessories and nothing will get noticed, except the fact that you piled too much on.

Prom Jewelry
The most obvious prom accessory, jewelry, is easy to get right if you consider two things: your hairstyle and your dress. (Personal style counts, too, but only you know what suits you. Choose pieces you'd wear after prom and you won't go wrong.) Think also of color. Try not to match your dress exactly, but rather choose colors that compliment your ensemble. For example, a green dress will look great with deep blue or black gemstone jewelry. When in doubt, wear diamonds or pearls--they look great with everything! My personal favorites are freshwater pearls. In addition to white, freshwater pearls come in many beautiful pastel colors, like lavender, peach, pink and yellow that complement a variety of fabrics. Freshwater pearls are also surprisingly affordable.

Jewelry and Prom Hairstyle
Your prom hairstyle plays a major role in the type of earrings that work. If your hair is short or will be in an updo, you have tons of great earring options. Pearl, diamond and gemstone studs are always elegant, and have the added bonus of allowing you to choose a bolder necklace. Drop earrings look great too, and are sweetly feminine. If you choose a bolder earring, like a stiletto or chandelier style, keep other jewelry simple. The same goes for hair ornaments.

If your hair is long and you're wearing it down, you need an earring that can make a statement. Consider big bold gemstones or dangling hoops or a chandelier or stiletto style. (Think Reese Witherspoon, Queen Latifah and Jessica Alba at the Oscars.) Just don't overdo it by wearing a bold necklace or bracelet. One standout piece of jewelry is sufficient.

Jewelry and Prom Dress...
* Spaghetti straps: You have tons of great jewelry options here, but again, you want to pick subtle jewelry or one standout piece. Consider a wide pearl cuff bracelet and a pearl ring, or pearl, diamond, or gemstone dangle earrings and a diamond or pearl pendant. A bezel set diamond--or CZ--works well with a spaghetti-strapped dress. Just make sure, if you're wearing a great bracelet, that your date doesn't get you a wrist corsage.

* Strapless: The majority of prom 2006 dress styles are strapless. That's good news for jewelry lovers, as your prom necklace can really stand out. Choose something short to accent your collarbones like a princess length pearl strand or a diamond or pearl pendant. Don't wear a necklace that comes to the top of the bodice; you don't want the fabric and the jewelry to compete. If the necklace you choose is simple, consider adding bold earrings or a bracelet for added pizzazz.

* Cap- or short-sleeved: Play up your arms and balance out the dress' sleeves with tons of thin stackable bracelets (I love wood, shell and enamel, but not all together, of course). Pick a simple necklace and earrings, or go without. If bangles drive you nuts while you dance, skip them and choose a wide cuff instead.

* High-necked: Lose the necklace (it'll compete) and instead pair a high necked dress with a simple pair of earrings and an elegant bracelet in the same stone. Or stack several bracelets in lieu of a wrist corsage. Remember to choose a piece that won't compete with the bold neckline of this dress. Shoulder-grazing earrings are an option here if they suit the dress's style. They'll be dramatic and sophisticated for sure!

* Square-necked: A square-necked dress is the best setting to show off a beautiful necklace. Borrow Mom's pearls or Grandma's diamond pendant, buy freshwater pearls in a color that complements your dress, or choose a bold gemstone piece if the dress is jewel toned. Play it up here, but keep other prom accessories simple.

* V-necked: Matching necklace and earrings can pull your look together very well, as the V draws attention to your face and collarbones. For no-brainer options, choose a pearl set or a simple bezel-set diamond pendant and stud earrings.

* Plunging: Consider pinning a vintage brooch at the bottom of the plunge, or adorning yourself with a pearl choker, diamond collar or a plain ribbon. Don't wear a longer necklace as it'll detract from the plunge. Keep earrings simple.

* Simple: Lucky you! A simple prom dress such as a sheath, allows you to get a lot funkier with your accessories. The layered look is still hot, so consider piling on a few long gold chains with shorter pearl necklaces, or pearl-and-chain combos. A sparkly diamond cuff, a la Hilary Swank at the Oscars, (go faux!) always looks chic. Remember that you'll be dancing, so no extra long pearl ropes as you'll risk whipping your fellow prom goers.

* Ornate: An ornate dress is a work of art. Depending on the style and level of detail, you may want to choose a simple piece of jewelry, such as a diamond pendant, pearl necklace, simple gold chain or pearl, diamond or gold studs. Stay away from glittery jewelry that will compete with the dress. If the neckline is high and bejeweled, opt out of jewelry entirely and consider pinning something sparkly in your hair instead. A bold, chunky cocktail ring can work wonders here too.

* Vintage: Make it modern with multiple strands or stacks of bangle bracelets or layered necklaces. I like a few shorter gold pieces layered with gold and pearl chains. But don't go overboard: a dress that makes a statement should not be overwhelmed with jewelry. Depending on the dress, a beautiful pearl strand tied with ribbon or a simple pair of diamond studs can work too.

Remember, all top stylists worth their salt know that, when it comes to accessories, it's best to stick with pieces that won't overwhelm your look. The most important tip? Have a blast and keep in mind that getting ready for prom is almost always the best part, so savor every moment!
About the Author

Amy Drescher is a fashion writer and accessories buyer for Moon River Pearls, www.moonriverpearls.com. She welcomes your questions. Reach her at adrescher@moonriverpearls.com. Visit her blog at http://cafe.moonriverpearls.com/amy.

How to Stop Cleaning On Weekends

I used to spend my weekends cleaning house until I learned to take a few minutes here and there to stay on top of the dirt and grime. By doing a little cleaning every day, I avoid having to spend my weekends cleaning. Try some of the following ideas to help you free up your weekends.

Bathroom:

* Limit the number of products you keep on the counter. By doing this, the counters will stay uncluttered and be easier to clean. For the products that you want to leave on the counter, store them in a basket or caddy. This way you can just lift up the basket or caddy and clean underneath it in a hurry without having to pick up each individual product.

* Do you use a washcloth to clean your face? If so, when finished washing your face, rinse the washcloth out and use it to clean up around the sink.

* If you have a glass door shower, keep a squeegee stored in the shower by hanging it on a suction hanger hook. After every shower, use the squeegee to wipe away the water on the door. This will help keep your shower door clean by minimizing the amount of buildup from water and soap scum.

* Use shower gel instead of bar soap to reduce soap scum buildup. There are many wonderful shower gel products on the market for both men and women.

* To help your toilets stay clean and deodorized, place a self-cleaning toilet tablet in the bowl once a week.

* Keep cleaning supplies, including rubber gloves, under the sink in the bathroom so they are handy and within your reach when you have a few moments to clean.

Kitchen:

* Try the method I call ?clean-as-you-go-cooking?. This means to wash, dry and put away preparation dishes, bowls, and utensils while you are waiting for your meal to cook. If you use this method, then you don?t have to spend your meal time dreading the dinner dishes and pans. All that will be left to clean are a few dishes that will be a snap to throw in the dishwasher.

* Clean up drips and spills as soon as they happen so they don?t have time to dry.

* After cleaning the dishes and while your sponge is still wet, take a few moments to wipe down the countertops, stove, microwave and sink. This will help your kitchen to stay clean most of the time.

* When you open your junk drawer and discover that you have two year old coupons or a cabinet that is jumbled, stop what you?re doing and clean out the drawer or cabinet. This will help you to keep your kitchen in order and stay on top of the clutter.

* To keep your countertops tidy and easy to clean, store small appliances that you don?t use very often in cabinets.

* When frying or saut?ing food, use a splatter screen. A splatter screen will cut down on grease buildup on your stove and cabinets.

Family Zone:

* Have a dedicated area for shoes, keys, backpacks, cell phones, etc. Let all family members know where they are expected to place their belongings. For small children, make it easy for them so they get the hang of it. For my preschooler, we have a built-in shoe caddy in our laundry room with hanging pegs above. He knows to put his shoes in the caddy when he gets home from school. While he can?t reach the pegs to hang his backpack yet, he knows to place his backpack by his shoes and mommy will hang it up for him. This helps him learn to be responsible for putting away his own things.

This system also works well for hubby too! For all of you wives who have husbands that can?t ever find their keys, cell phone, and wallet ? give them a dedicated area to place these items. My husband has a dedicated drawer in the kitchen. Works great!

* Keep microfiber cloths or the famous Swiffer dusters handy and wipe away dust when you see it. It?s much easier to remove dust if you don?t let it build up. I keep a Swiffer ready to go at all times and do a quick dusting while my children are eating their lunch or I have a few minutes at some other time during the day.

* Consider using wax on wooden furniture instead of polish. Polish is known to attract dust.

* Toy clutter in my family room drives me batty! To help this problem, I purchased large baskets that compliment my home?s decor. At the end of the day my children know to pick up all toys and put them in the baskets. Do they do this without a battle? Not very often! However, my children enjoy snacks before bedtime and they don?t get their snacks until all toys are in the baskets.

These are just a few tips you can use to free up your weekends from cleaning. If you think about the moments you have here and there and what small cleaning chore you can accomplish ? you?ll find that overall your house will stay cleaner and you can free up your Saturday for family fun or go enjoy lunch and a movie with your favorite girlfriend!

Lesley Dietschy is a writer, jewelry designer, beauty editor and the founder of a network of popular websites including http://www.HomeDecorExchange.com and http://www.HomeGardenExchange.com Both of these websites feature valuable information and resources to assist you in decorating your home and garden.

For beauty tips, fashion tips, and handmade beaded bracelets, please visit: http://www.homedecorexchange.com/HDEBeautyFashionCorner.htm

Camping Is A Great Family & Kids Activity

The Humble Ranch Home May be Making a Comeback

After World War II, the most ubiquitous style of home being built in America was the ranch. It was simple in design and cheap and quick to build, which allowed builders to fill the tremendous need for housing that was created when American GIs returned from the war and began setting up their families. Ranch homes were the primary residents for a majority of Baby Boomers in the 1950s and 60s, but as those Boomers became adults, they often looked toward other architectural styles when setting up their own households.

Over the years, the ranch style home has become almost reviled for its lack of character. Critics have said it's just a single-story box, with no uncomplicated angles, a low roof, and a picture window facing the street. Since ranches were built in such abundance in the mid-twentieth century and were often thrown up as quickly as possible without regard for decoration or individuality, they came to represent the worst of American architecture in many people's minds.

However, the humble ranch does have its boosters, who say it's actually a quite livable style of home that offers a number of advantages. It's biggest plus comes from its footprint on an average lot, which allows for a reasonably large backyard in most neighborhoods, providing a significant amount of space for swing sets, sandboxes, and other children's recreational activities. A big backyard can also be a wonderful place for adult entertaining, as well.

As home prices continue to escalate, it's entirely possible that the ranch home will begin making a comeback in America. Since they don't require unusual angles and special building materials, builders can still construct them cheaper than their more elaborate counterparts. But that doesn't mean ranch houses can't be customized to make them more interesting or energy efficient, and if sited well on a lot, a ranch home can actually seem to be rising naturally from its lot, making it quite attractive from the street.

Interestingly, it may be the same Baby Boomers for whom the ranch was originally constructed in such abundance that will drive its comeback. As Boomers age, they'll begin to appreciate having everything on one level, providing easy access to every room in the home and to the outside. Their smaller price tags will also be easier to handle on a fixed income as Boomers begin to retire. Ranch homes, being simpler, will also require less upkeep and repair than other styles of homes.

Ranch homes can be as elegant as a person's taste and budget, and the same large backyard that was good for young children can be just as wonderful for adults with the addition of a swimming pool, large garden, or other amenities. Ranches also lend themselves well to gourmet kitchens, luxurious bathrooms, large fireplaces, or any other type of room that can benefit from being larger than average.

Even though the humble ranch has been disparaged for decades, it's provided a functional home to generations of families, and may find a renewed popularity as Baby Boomers begin to enter their Golden Years.

Copyright © 2006 Jeanette J. Fisher

Learn how to fix ranch houses for money: Jeanette Fisher, best-selling author of home staging books, offers free fixing and flipping houses ebook at http://www.doghousetodollhousefordollars.com

Ultralight Backpacking Tent Tips On Choosing An Ultralight Backpacking Tent.

 



Ultralight Backpacking Tent - Tips On Choosing An Ultralight Backpacking Tent.Submitted By: Mick Legg   

When choosing an ultralight backpacking tent there are several factors to take into consideration but I think that a couple of the main ones are obviously size and weight. Ok so you want the lightest tent you can find simply because you have to carry it around with you all day long, so the lighter the better. But don't forget that you also have to sleep in it, often in conditions that are far from ideal e.g. wind, rain, snow, and anything else that the weather can throw at you.

There's no point in buying the smallest lightest tent possible only to find that there is no room to put all your gear, so it's left outside in the rain. On the other hand you do not want to be lugging around a heavy 2/3 man tent with you.

Your tent is often going to be the only thing between you and the elements, so it's vital to choose the right one for you and your style of backpacking. There are many ultralight backpacking tents on the market, some just large enough for a person to lie down in, and some so small that you can't sit up in them. I have used these tents on several occasions and found them fine for short weekend trips especially if like me you carry an ultralight tarp and walking pole so you can erect a handy sized awning over the front of the tent to give you some extra room for cooking etc.

Ok so you may think that taking a tarp and tent is a bit silly but it only adds slightly to your overall weight and its well worth it, and most people carry at least one walking pole on a hiking trip these days. Also if you are blessed with some fine weather you don't even need to put up your tent but just use your tarp on its own.

On my last backpacking trip around Dartmoor I was gone for 19 days and I had with me a small one man tent and this was absolutely fine for the type of trip I had planned, just stopping one night in any one place. But during the first week I had trouble with an old knee injury and had to find a campsite to stay for a few nights (something I try not to do as I prefer wild camping when possible.) This became very uncomfortable after a couple of nights as I found that instead of packing equipment away after use it was easier to leave it in the tent which soon became very cluttered leaving less room for me and making the tent feel even smaller. So remember that a extra few ounces for a slightly larger tent can make all the difference when it comes to comfort.

Sadly I suppose the biggest consideration when choosing a backpacking tent is going to be the cost. All I can say is to buy the best one you can with your budget and remember that you are buying something that hopefully you will have for a long time, so make sure that:

- It fits you
- You feel comfortable in it
- It's up to the job you want it for
- Lastly whatever tent you decide to buy in the end don't leave it in its bag at the back of the cupboard,

Then all you have to do is get it out, use it and enjoy it!

About the Author:

Mike Legg is a seasoned hiker with many years experience of backpacking in Europe. For more information on this or other aspects of backpacking go to http://www.buytryreview.com/category/backpacking

Article Tags: backpacking, tarp, tent

Plan Early for Retirement by Joining an Active Adult Retirement Community Now

Old age is like everything else. To make a success at it, you've got to start young.

.. Theodore Roosevelt.

Retirement communities are popping up all over the place like dandelions in spring. It's a trend in real estate. At 55 you can qualify for these communities referred to as active adult retirement communities and maybe you should look into it. These active adult communities offer a lot of good living. You've heard you should get started while you are young planning for your retirement and that's what Roosevelt said, too.

Retirement used to mean retiring from work -- but today more people are seeing retirement as an active time in their lives. People are living longer. When they reach 65 years, they can still look forward to at least 15 to 20 years of retirement and life expectancy is supposed to continue to grow. That is a long time so preparing early for that time of life makes sense.

Due to the things retirement communities offer you, they may even help to keep you healthier in retirement. You may be doing yourself a favor to start earlier on nutrition programs, fitness programs, cultural and social programs--all designed to help seniors stay healthier. So why wait!

There are some reasons for waiting and one of them might be if you still have younger children at home--maybe in college but still at home. However, most communities even make allowances for visiting children who are in college by allowing them to stay with their families for 3 months out of the year. Each community has different policies about this so check carefully.

By downsizing and selling your current home now, you can use your equity for your new home and other things. Also, some financial experts are saying it may be advisable to not buy your retirement home with all cash as used to be advised, due to a greater life expectancy, but to have a small mortgage. But, of course, we recommend you check this out thoroughly with a financial adviser.

If your children are grown, then buying into an active adult retirement community at an earlier age than you might originally have thought of, might afford you these outstanding benefits:

-Getting started early on a retirement plan.

-Getting started early on a Fitness program for retirement.

-Getting started early on nutritional fitness. Seniors do have special

nutritional requirements.

-You can continue to work and add to your savings.

-As your current neighborhood changes, and your old

neighborhood friends move, you will make new friends in a retirement community.

-Your easier life will free up your time for things you really want to do like travel.

-You will have less stress, more security, available clubs and activities.

Sometimes you aren't sure where you want to retire to. This shouldn't be such a problem since you can always move again. Warm weather, cold weather, being close to your kids or moving to that desirable southern town--hard decisions but life is always changing. As you change you may also change where you want to live. Statistics show that as people age they tend to move back to cities and closer to family after having lived many years somewhere else. That's okay. Check out what is right for you at that time. I hope you will look at these fabulous new active adult retirement communities popping up and probably some near you. To get started, visit my website as a way to find these properties at www.bestguide-retirementcommunities.com.

Carol Fena - After many years of real estate, Carol lives in an active adult retirement community and enjoys writing articles about them for her website http://www.bestguide-retirementcommunities.com

Property Features: What to Look For and Look Out For!

There are many types and sizes of homes on the market at any given point in time. As many of you know, when you look at several properties in a day, it is best to take a notebook along with you to jot down notes along with addresses so that at the end of the day, you can recall the property features you liked or did not like about a particular property.

Let?s take a look at some of the features you may be considering and how they may affect resale.

First, let?s take a look at the size of the home itself.

We all agree that houses vary in the number of rooms they have as well as the total square footage. It generally doesn?t matter which neighborhood you are considering. Basically all subdivisions have homes of various size, shape and construction.

As far as market value goes, buying the largest house in a subdivision is not the best idea. Why? If the majority of the properties surrounding this large home are much smaller than the one you are considering, they can actually impede or greatly lessen the amount of appreciation this property will achieve. It is best to stay in conformity size wise with the properties surrounding a home you are considering. Ironically, if you were to buy a smaller or average size home in comparison to the others in the subdivision, the larger homes can actually help your property to appreciate more in value.

When shopping for property, especially with resale value in mind, concentrate on your needs and not what you want. Buying a property with features you need in a more impressive development may actually result in better appreciation value than if you were to buy what you wanted in a development of lesser quality.

Let?s take a look inside the property. How many bedrooms and bathrooms are there? The most popular number of bedrooms and bathrooms among buyers today are those with three or four bedrooms and a minimum of two bathrooms. A home with two and a half bathrooms offers even more for possible appreciation and resale value.

What about storage space and utility area? Walk-in closets are one of the most desirable features a home can have, especially in the master bedroom. This is one time when size does matter. The larger the closet space, the better. Also, a nice size linen closet is a must in any home.

When it comes to a garage, think attached and two car garage. An attached two car garage will add to the resale value of the home. A new trend among homes being built over the last couple of years is an attached three car garage. These properties are becoming more and more popular in many areas of the country ? especially in golfing communities.

Now let?s move on to the kitchen. The kitchen is one of the most important rooms in a home. It needs to have plenty of counter space, cabinet space, ?elbow room? and for better resale value, a nice size pantry. A large, bright kitchen versus a small, dark kitchen is preferable and will add resale to the property.

Generally, next to the kitchen will be a breakfast nook as well as the family room or great room. This is the only room where a fireplace will add resale value to the home. Having fireplaces in other rooms generally means you are paying more for a feature than the average buyer will be interested in. Again, go with your needs and resale potential instead of wants or desires. The family room or great room is where family and friends will gather and having the kitchen nearby makes entertaining and dining more enjoyable.

If you opt for a formal dining area, this too should be off the kitchen for ease in serving and clearing dishes after the meal which most formal dining areas are. However, unless you do a great deal of formal dining, this area will be an added expense which you don?t really need.

Well, we have taken a pretty good look at the interior of the home itself, now let?s go outside.

The lot and landscape are particularly important. It is best to stay with a regular shape lot and one which has space both in the front as well as the back. Minimal landscape is better. You can always add improvements such as trees and shrubs but remember to keep it affordable in price and amount. Not everyone has that ?green? thumb and not everyone enjoys yard work. Buying a heavily landscaped lot means you are paying a higher price which you are less likely to recoup when it?s time to resell. The lot should also be as level as possible. Steer clear of a property in which the entire backyard is taken up by a swimming pool as this could make it more difficult for resale. A nice size backyard makes the property more appealing. Also, I don?t recommend odd shaped lots as these are slower to move when it comes to resale.

It is paramount that you check comparable sales in the area prior to making your offer. Your exclusive Buyers Broker will provide you with print outs showing what similar properties have listed for and what they have sold for in the development you are considering. Compare the property you are considering to the list of closed sales. Is the property in good condition? The condition of the property greatly affects the value of the home. Has the current owner made any improvements such as expensive flooring or a swimming pool? Have they added an addition? These improvements or additions may increase the value of the property and will affect the purchase price.

Knowledge is power. By gathering information about other properties in the development you are considering and analyzing the data in the comparable sales report, you will be able to establish a range of values based upon size, age, and features of other homes that have sold in the development. The comparable sales report as well as the condition/improvements of the property you are considering along with the current real estate market will enable you to determine a fair purchase price and offer.

Best of luck in all your real estate endeavors.

Florida broker who knows the value of SW Florida real estate, area communities, and their amenities. http://www.FloridaBuyersBroker.com

Learn About Sports Cars Before You Buy One

Nothing beats the exhilaration brought about by speed. Anyone who has ever driven an automobile has at least dreamt of taking the role of Steve McQueen in Bullitt, getting into a high-speed car chase. If not Bullitt, each driver has dreamt playing Michael Caine's Charlie Cosker in The Italian Job, driving that gorgeous convertible into the very heart of the gold heist.. Anyone who has ever taken control of the wheel has at least once dreamt of driving not just to get from point A to point B but to go from point A to B in flair. And driving a fantastic sports car fulfills this dream.

In making an automobile or any land vehicle for that matter, a lot of factors are being considered: cost of material, safety, efficiency, and performance are only some of these at play on the drawing board of a car maker. A sports car however, in definition gives priority to performance above all other factors. By performance, speed is usually the first thing that comes to mind. Speed relies heavily on the power of the car's engine.

Most sports cars do have muscle engines which can outrun even the fastest sedans easily. A sports car engineer therefore puts it first on the list of factors that he has to consider: how to travel the distance with the least amount of time possible.

But of course, even if performance is a cut above every other consideration, the other factors are never neglected. Safety cannot be compromised, because even the fastest sports car needs a driver on the wheel at all times, and safe at all times. Besides, everyone wants to drive from start to finish in one piece, after all. So a performance-oriented vehicle must pay attention to the other factors and not rely solely on the car engine's power.

A number of sports cars compensate for a not-so-powerful engine with a light body, paying due respect to the laws of physics: the lighter the mass, the smaller amount of force required to move this mass. This is also the reason why a sports cars usually are smaller, and do not have backseats. If these cars do have backseats, these are not as convenient as a sedan's and is only a throwaway to please the insurance companies. One may also notice that a sports car quite often only has two doors, and it shares the same reason as that of the backseat.

Because it can outperform any of the regular four-seater cars out in the market, sports cars are sold obviously at a higher price. Another reason is because quality materials are almost always being used to withstand the heavier wear and tear in this type of vehicle. This also explains why purchasing a sports car remains a pipe dream to most car enthusiasts. But it doesn't have to be that way anymore. It is easier to get one's hands on the steering wheel of a sports car than most people think. One just has to have the imagination and acumen to do so.

Buying a sports car does not have to mean going to your nearest car dealer and getting a brand new vehicle off the rack. There are quite a handful of these vehicles beyond the dealer's garage, in very good condition and sold at a lower price. You can always check out car auctions and watch out of sports car models being sold at pancake rates. Pre-owned sports cars are always available on your local car magazine or website; sometimes it just requires you to pay more attention to these ad placements; you'll never know when the sports car of your dreams is right under your nose.

Buying second-hand sports cars maybe the best way to go if one is facing monetary constraints. If a pre-owned sports car is taken cared of properly, it will give one the same excitement that a new one can provide.

There are also private sellers particularly of sports cars. More often than not, owners of these sports cars found themselves short of cash and are willing to dispose of their sports cars at considerably low prices, much to their resistance. Desperation is in a way good for buyers on the look-out: they get their dream vehicles at bargain prices.

And once you have spotted the car of your dreams, it is wise to exercise routine vehicle inspection, the way one does when buying a regular car. Do not forget to visually inspect the engine, the interior and the body. It is a folly to disregard these simple reminders, especially when buying a pre-owned sports car. You as a buyer can easily assess the condition of the car, how well it was maintained by the owner, simply by looking at it. Then, the proof of the pudding is in the eating: do not forget to test-drive your prospect sports vehicle before closing the purchase. Give it a go and see how it feels. If it feels good ? and you feel like Steve McQueen in Bullitt ? it is time to call that sports car your own.

Lee Dobbins writes for sportscars.unique-articles.com where you can learn more about the sports care and get tips on buying a sports car

Integrating Hospital Uniform Programs Is Easier Than Ever Before!

 



Integrating Hospital Uniform Programs Is Easier Than Ever Before!Submitted By: Max Johnson [See Author?s Biography  

Developing a plan of action where hospital uniform programs are encouraged within a medical or healthcare facility has never been easier. Simply choose the styles, the customization, and the budget your institution wants, and The Uniform Connection insures your facility receives the service and products necessary for optimal performance and patient recognition. There are many potential benefits of having a consistent and regular source of medical apparel available for staff as well as visitors and patients.

Uniformity is an important concept within a medical or healthcare institution. Regardless of position or title, having the uniform medical scrubs or uniforms for your employees is going to have reverberating affects.

Today, the importance of a sanitary or sterilized environment is vitally important. Hospital uniform programs insure the safety and security of employees, visitors, and patients. The appropriate level of protection and security is provided with properly sanitized garments perfect for the hustle and bustle of the institute?s environment.

There are numerous designers providing apparel appropriate for hospital uniform programs. The following designers are reputable, reliable, and versatile offering the same traits to the facility.

> Cornerstone

> Dilly

> Los Angeles Rose or LA Rose

> Nurse Mates

> Barco

> Cherokee

> Dickies

> Landau

> Peaches

> Scrub Zone

> Urbane

> White Swan

Integrating these superior medical apparel designers into your existing or new hospital uniform programs has never been more simplistic. The benefits far exceed the minimal cost, and the development of your personal plan of action takes little to no time or effort on your part. Because uniform companies collaborates directly with you in designing a positive and painless plan of action designed specifically for your institute or facility?s well-being.

Deciding on changing or developing new hospital uniform programs starts with knowing what you and your facility needs. Then the next step is to investigate what uniform Companies have to offer. A few of the styles and designs you may find are listed below.

> Medical scrubs

> Medical uniforms

> Nursing dresses or uniforms

> Scrub tops, blouses, or shirts

> Scrub bottoms, pants, or trousers

> Scrub jackets or coats

> Lab coats

> Surgical scrubs

> Team scrubs

> Junior size, missy size, or plus size garments

> Cartoon character apparel

> Maternity uniforms

> Unisex medical scrub separates

> Gender specific medical scrubs

> Medical caps or hats

> Medical footwear, shoes, or boots

> Face masks

> Other medical accessories or equipment

Integrating your facility?s plan of action into an already established facility means setting guidelines and/or regulations concerning the uniformed and consistent dress code. Do you have regulations concerning the laundering of the garments? How do you intend on the staff members receiving the appropriate sizes and styles? Is your institution?s brand or logo easily available for placement? What is the correct placement of the customizable information?

Your uniform company works with you and your staff members to regulate and insure the plan of action runs smoothly and professionally. Your uniform company handles the tough parts so you can concentrate on more important aspects of your important career.

If you need assistance in establishing ideas for your uniform program, please visit your favorite online uniform supplier.

About the Author:

Max Johnson of The Uniform Connection. Click for more Medical Uniform Programs.

Article Tags: uniform, medical, hospital

Pontiac G6 Introduces New Body Styles for 2006

Produced by General Motors, Pontiac is a marque of automobiles that has been sold in the United States, Canada, and Mexico since the year 1926 making it around eighty years - one of the longest brands to stay in the market. Looking at the General Motors line up, the Pontiac is a mid-level brand that features a more sporting, and performance-driving experience for a reasonable price. It also adds up a youthful feel to its advertising. In its history, it was introduced by GM as a lower-priced version of their Oakland Motor Car line.

In terms of its logo, the Pontiac logo was originally meant to represent an Indian, the Native American, arrow-head. One of the earliest slangs for this brand was to call it an Indian, which at present is still used by a couple hot rodders and enthusiasts. And one of the remarkable vehicles that bear this logo is the 2006 Pontiac G6 - a 2 or 4-door sports car, family sedan or sports sedan that can take up to five passengers. Made available in seven trims, this vehicle ranges from the 1 SV to the GTP sedan. It has a gas mileage of 23 mpg if you are looking at city driving, or 34 mpg if it means driving on the highway. It has a 4-speed automatic transmission.

Introduced in 2005, the Pontiac G6 was made to be seen as an all-new vehicle. And for sure, additional improvements have been done in to live up to its name. Two additional body styles joining the original sedan is the biggest change done to the Pontiac G6 for this year. Late last year, a two-door coupe made its way to the market, and this year 2006, a two-door convertible will be rolling off the highways. The Pontiac G6's convertible top is a two-piece clamshell design that drops cleanly into the trunk when lowered. Also added in is a new performance-oriented GTP trim level that includes a 240-horsepower V6, an available six-speed manual transmission, 18-inch wheels, and standard stability control. Also included in the list of changes done to this model are a standard power driver's seat, a new front-passenger detection system for airbag deployment, and a new three-spoke steering wheel design.

Auto Parts Discount gives owners a great collection of Pontiac parts like mirrors, catalytic converters, headlights, floor mats, and starters. Unlike other online stores, Auto Parts Discount gives each and every client excellent customer service and the finest quality Pontiac parts that only a Pontiac deserves.

For the 2006 Pontiac G6, advantages include three different body styles to choose from, a roomy interior, interesting features like the sedan's panoramic sunroof, and comfortable front seats. However, on the other hand, objections to this model includes the electric steering offers little feel for the road, lack of attention to details, unrefined suspension, and a nose-heavy handling. Standard features for the Pontiac G6 comprises of a trunk anti-trap device, front power vented disc and rear power 270-mm solid disc brakes, an AM/FM radio with seek/scan and 6 speakers, and a CD player. Options are side head curtain airbags and front side airbags, 4-wheel anti-lock brakes, and an AM/FM radio with in-dash 6-disc CD changer.

About the Author

Joe Thompson is the owner of a successful auto body shop in Ferndale, California. This 48 year old is also a prolific writer, contributing automotive related articles to various publications.

What Should My First Burnaby Acquisition Be?

When most people are thinking of buying their first Burnaby home, the decision is out of immediate need. The fact that this decision was the right one is of no importance at this point. Keep In mind that your first acquisition should be a property that helps you move closer to your goal. Understand that I?m not telling you to be side tracked in your investment path. You should accept the fact that the direction you need to take is to follow your goals. Why you ask? Galas are what dictate the life around you and what you should buy. Most people do not set proper goals in their life. This is all the more reason for you to understand that without proper goals, your efforts towards reaching any dream can be a series of disappointments and frustrations. To acquire a property simply for the sake of owning something may be a boost to your social standing and your ego. However, this will do little or possibly nothing to move you closer to your dream. The wrong property can and most likely will move you further away from your goal.

Are you currently renting your home? The first aspect of real estate ownership should be to consider buying your own place to live. While this concept may not be ideal for everyone, if you are settled in an area and expect to be there for 3-5 years, then in the absence of any other goal at all, this should be of a top priority. So what to buy? Well you have the choice of an apartment, home, an apartment building? Each has it?s advantages and disadvantages and your ability to deal with the complexities of these properties will help you make a sound decision.

A person who holds the ability to fix up both the inside and the outside of a property might consider a small apartment building that needs a bit of?. ?more then tender love and care?. This covers both your goals of owning your own property and having an income producing property. Having a place to live holds added income to cover your debt service ratio. This is the way to go!

Our rental network helps to find quality homes, apartments or vacation rentals in Canada's Fraser Valley area. Visit the website RentBurnaby.com for more information on Fraser Valley Homes and Apartments for Sale or Rent.

Ten Essential Backpacking Necessities

When you decide to go on a backpacking trip there are several things you need to make sure to take with you. Although you may think that you will not be out long enough to need them, accidents happen, and you need to be prepared for them.

Duck Tape
Duck tape is known as a universal fix it all tool, and can be very useful in many different situations. You can use duck tape to patch a hole in your backpack, keep your shoe closed if you break a shoelace, or even to help secure a splint on the occasion that you get sprain or break a bone in your body.

Cell Phone
If you are backpacking in an area where there is cell phone coverage, by all means take your cell phone. If an accident happens, or if you get lost, you can simply dial for help.

Water
Always bring several bottles of water along on your back packing trip. Water will keep you from getting dehydrated and is also useful in the event that you need to wash out a wound.

Flash Light
You should leave a flashlight in your backpack at all times, just in case you find yourself in the dark. You may only plan on going backpacking for a couple of hours, yet if you get lost, and the sun goes down, you are going to need it.

First Aid Kit
Bring along a basic first aid kit so that you are able to treat minor wounds you may get while out in the wilderness. You never know when an accident may happen.

Trash Bag
Bringing a trash bag is essential to properly dispose of any trash you may have. As a general rule for being kind to nature, you should always leave with what you came with.

Toilet Paper
You never know when nature is going to call, and you sure do not want to have to use a leaf to wipe off your bottom.

Food
Always be prepared for an accident. If you are backpacking deep into the wilderness, you need to carry some food with you. If something should happen and you became immobile, you may be stranded for some time, and will end up getting hungry. Granola bars and beef jerky are two things that are commonly taken on backpacking trips.

Knife
Carry knife for protection among other things. You never know when you will need a knife while out in the wilderness.

Sweatshirt or Other Clothing
In the event that you are stranded, you will want to stay warm when the sun goes down. It is always a good idea to at least bring along a sweatshirt.

Article written by: Laura Fleenor - owner and webmaster of Articles 4 Me And U.com and Particle Articles.com. Laura is also webmaster of K.A.G.E.D. Band.com. Laura holds an AAS in Computer Programming, an AS in Information Technology, and a Certificate of Program Completion in Web Page Design/Publishing.

What's Hot in Houses Today

Home Styles

Old world styles are popular. French, English, Tuscan and Spanish homes with stone or stucco walls, tile roofs, iron fixtures, heavy beams and rustic floors are in demand. A sense of historic connection resonates with buyers today.

The Craftsman style, built in the early 1900's, is back. Features of this style, such as cobblestones, deep eaves, tapered columns and wide trim, favor the handmade look over mass produced.

Farmhouses and country homes are perfect remodel candidates and prototypes for new homes. Native materials, wood windows, simple floor plans, and warm colors connect with nature and earlier times.

The retro look is fashionable. Ranch styles and split levels built in the 1950's are perfect for sleek remodels, and fit with fashionable furniture styles.

Urban modern is everywhere. Modern open plans make use of color, tile, glass, and experimental materials such as plastic and metal.

Floor Plan

The preferred ceiling height is 9'-11'. Two story ceilings are out. In small rooms these feel like towers.

Lots of floor level changes are not desirable.

Most buyers today want four bedrooms, and at least two living areas. Formal dining rooms are still in demand.

Formal living rooms are often converted to studies, libraries, or guest rooms.

Media rooms are a sought after feature when price range allows.

The visual and spatial connection between kitchen and family room is firmly established.

Cabinet space is required for large televisions and wall space for the newer flat screens.

Three car garages are needed, especially in areas without basements.

Structured wiring is important today for internet, phone, cable and sound. Desk space for computers is required.

Good access to the outdoors is something buyers look for. French doors combine access with light. Sliding glass doors are not as favored.

Lots of storage is needed for today's lifestyle. People have lots of stuff. Huge master closets, pantries, laundry rooms, and extra storage closets are expected.

On the other hand, very spare lofts are perfect for some lifestyles. Simplified spaces are an antidote to today's complex lifestyle.

Kitchens/Baths

Most buyers are savvy about kitchen design and appreciate good work spaces with easy access to range, refrigerator and sink. Lots of counter space, deep drawers, two sinks, nearby extra refrigerator, and butler's pantries are all desirable features.

Stainless appliances are going strong. In urban modern styles, white or colored appliances are back. High end homes conceal some appliances as cabinetry.

Eat-in kitchens are a basic requirement for most buyers.

Antique tables or cabinets are being refurbished and used as bath cabinets. Kitchen cabinets that look like furniture are a great look.

Granite, marble or stone counters are popular. However, granite tops added to 1980's cabinets do not go over well. Consider your architectural style before adding features.

Concrete countertops are perfect for ultra modern, but most buyers shy away from them.

Wide, cabinet depth refrigerators have a built-in look, and are not as expensive as the true built-in type.

Large rustic tiles, stone, concrete or wood floors have a warm, functional appeal.

Subway tile (3 x 6) is popular in bathrooms and on kitchen backsplashes.

Patterned cultured marble and laminate are out. Slippery, white floor tile is out.

Trim

Wide, baseboards (6+) and door and window trim (4+) are key features in old European and American styles.

Craftsman style doors - simple square frames with flat panels - work well with both old and modern looks.

Iron or heavy wood entry doors make strong statements that buyers love.

Rustic finishes on hardware, such as brushed nickel, oil rubbed bronze, weathered brass, and other non-shiny finishes are the popular choices.

Rustic wood beams or wood covered ceilings create a hand crafted, primitive look that buyers like.

Wrought iron gates, stair rails and light fixtures compliment the rustic style.

Stair rails in ultra modern homes may be wire, pipe or painted metal.

Front porches and covered patios are always a strong selling point. Outdoor fireplaces are popping up everywhere.

Floors & Walls

Distressed wood floors that look old are valued. Simple wood boards are sometimes laid down with cracks exposed. Re-claimed wood is very desirable.

Bamboo floors are popular, especially in modern style homes where light colored floors are desired.

Concrete floors - often stained and scored are popular. These go well with the modern look, and are used in Craftsman and rustic European styles too.

Colorful laminate floors are a good fit with mid-century modern. Laminate floors that looks like wood are out. Parquet floors are out, unless hand crafted.

Framed or hung mirrors are preferred, although plate glass works in ultra modern styles. Mirrors used on walls or ceilings are a turn off.

Colors are in, but soft is the word. Soft greens, yellows, earth tones and creams create a serene background that fits many styles. Complex colors, with more colors in the mix, are sought after. Deeply saturated colors, such as plums and reds, are used in moderation.

Flat paint on walls hides flaws and creates a designer look. Shiny is out. Soft whites are safe for trim.

Faux finishes are out. Often these do not turn out as well as expected, and are difficult to maintain.

The same (or similar) wall color through adjoining spaces creates a more spacious feeling.

Historic paint colors such as sage greens, beiges, muted yellows, and grays work well on the exterior. Bold or harsh colors are a turn-off to most buyers.

Wallpaper is problematic and harder to change than paint. Very often it does not fit the buyer's taste.

Heavily textured walls and popcorn ceilings are totally out.

Lighting & Plumbing Fixtures

Buyers want more windows, natural light, and a greater connection with the outdoors.

People today are more discriminating about the quality of light. Windows on two sides of the room balance the lighting and reduce glare.

One light in the middle of the room will not do. Under cabinet task lighting is appreciated. Security lighting is important. Wall sconces offer soft ambient lighting. Recessed cans provide area light. Dimmers help to control the lighting.

Light fixtures are a decorative element in all styles. Clean, modern fixtures, such as pendant lights, recessed cans, and wire string lights compliment the urban look.

Retro fixtures are interesting decorative features in 1930's craftsman and 1950's ranch styles.

Industrial metal fixtures are in. The un-decorated, industrial look of metal or stainless steel is in.

Heavy drapes are out. They are too pretentious, and, well, heavy. Light cotton, linen or silk drapes are in. Or, wood blinds. Or nothing.

Retro woven wood blinds have made a comeback. Mini blinds are very yesterday.

Bath fixtures are finished in rustic bronze, nickel, or chrome. Old style two-handled faucets and farmhouse sinks are in style.

Bath sinks may be glass bowls, granite, stone, stainless or traditional china. Cultured marble is out.

Free standing tubs are in. Pedestal and wall hung lavatories are in.

Energy Efficiency

With fuel costs going up, energy efficiency is definitely in. Buyers want high efficiency AC, good insulation, low-e glass, programmable thermostats, double pane windows, and ceiling fans.

Effective passive solar orientation is a great advantage. It shows a smart planning and use

of natural solar energy.

Instant hot water is a perk that buyers like, as are drinking water filters.

No one wants foil on windows or stick-on window film.

Light is in demand. Don't close blinds. Do remove solar screens when they are not needed, such as under patio roofs, porches or shade trees.

Screened porches are back. They create a multi purpose space that is both indoors and outdoors, and keep mosquitoes away.

Roselind Hejl is a Realtor with Coldwell Banker United in Austin, Texas. Her website - http://www.weloveaustin.com - offers homes for sale, market trends, buyer and seller guides. Let Roselind help you make your move to Austin. Austin Texas Real Estate Guide

Laptop Computer Backpack >> Women's Notebook Bags

These days it's getting pretty easy to find a Laptop Computer Backpack and bags pretty much anywhere. At many companies there are as many people who use their laptop as a normal pc. But, try to think of the last time you saw a laptop computer backpack that wasn't designed specifically for men. Does it seem like someone is being left out. Well, you guessed it, many a woman has wondered ?I wonder if anyone makes women?s laptop bags?? The answer is a resounding yes.

When I was first introduced to women?s laptop bags I must admit that I was pretty surprised at how nice they were. I started to associate a laptop bag with those either designed for executives, or those that are a little more hip for, say, younger men. But many women?s laptop bags look a lot like fashionable purses or carry-alls. They look nice, but are able to house your laptop or notebook along with other accessories.

If you are in the market for a woman?s laptop bag there are a few things to consider. First of all, make sure that your bag is designed to carry a notebook (aka laptop computer), and one that is a similar size to yours. A good laptop backpack or bag will have padding and a strap to keep it secure. There are a lot of fashionable women?s bags out there that could ruin your laptop if you?re not careful. Second, consider what you?re using the bag for. If you are using it for business or outdoors there would obviously be different things to consider. And finally, but just as important, make sure that the women?s laptop bag that you buy is one that you love. Don?t just settle for one because of the price or just so you have one. If you have a bag that you don?t like chances are decent that you will never use it.

While laptop computer backpacks are great, there are many a woman out there who shouldn?t settle for a men?s laptop bag, but need to investigate women?s laptop bags.

About the Author:

Brady Quist's site Laptop Computer Backpack, sells Women's Laptop Bags, and other types of laptop computer backpacks.
http://www.laptopcomputerbackpacks.com

Biophilic Design Shy Relation of Green Building

Green building is more than just a trend. An often overlooked part of Green building is what is called Biophilic design. The goal of this sub-genre is to bring the outdoors into interior living spaces, either residential or commercial. The introduction and interaction with natural elements for aesthetic and health purposes is beginning to receive wider acceptance as indoor air pollution becomes a growing concern for urban dwellers and suburban ones who live in air-tight energy efficient homes.

Biophilic design injects real or simulated natural components into living and working spaces to promote emotional and physical wellness. Morning sun exposure, water features, natural vistas through window-walls, sky-ceilings, and greenhouse rooms where plants dominate and restore air quality while providing an indoor forest refuge are some common applications of this recent design extension. Biophilic design is based more in a emotional or Zen-like perspective than save-natural-resources Green building. Understanding that nature and natural settings allow humans to relax and is part of our DNA, professors at major universities study ecology and it's effect on our home environments as well as dispositions.

Here are some tips to get a start on Biophilic design in your home.

-Find a room that faces good morning sun and install floor-to-ceiling windows to receive a daily dose of high-powered natural light. Studies show that hospital patients who receive morning sunshine need almost a quarter less pain medication that those with north facing windows.

-Install a sky ceiling in a family or living room. These new ceiling systems mimic full-spectrum light emitted from mid-day skies.

-Place a waterfall or pond with fountain in side a favorite room. Flowing or spraying water adds a relaxing sound to your environment and helps screen out exterior noise pollution.

-Build a green house room with many indoor and outdoor plants, more the better. Put a comfortable chair to use for reading or relaxing in your home garden.

-Use window-walls to allow outdoor vistas in. I have seen homes that installed large glass areas in a well-used room. The increase in natural light and the ability to see from the ground to the sky is welcomed especially in the dark days of winter.

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, and USA Today. View his books at http://www.1001RealEstateTips.com

Where The Under Valued Real Estate Markets Are

Real estate bargains? With all the talk about a bubble, come on. Yes, there are areas in the country that haven't experienced the large run-up in home prices the last couple of years. According to the real estate research service, Local Market Monitor, six towns qualify as under-valued according to their most recent survey. An interesting note is that two are in Texas and all in more southern areas of the U.S.

Under-valued U.S. residential real estate markets:

Augusta, Georgia
El Paso, Texas
Fayetteville, North Carolina
Little Rock, Arkansas
Mc Allen-Edinburg, Texas
Memphis, Tennessee

It will be difficult to determine if these statistics will drive a boom in these communities. But savvy investors are looking for new investments for side-lined liquidity pulled from frothy real estate markets in the past two years. And with the over-valued markets taking long to adjust to market realities, many investors are ready now to find exciting growth opportunities in valued markets.

While under-valued markets look promising, you should conduct a careful analysis to determine if demand will or can be created to support higher resale prices. Look at closed sold comparables from the each of the last three years, to see if consistent appreciation and demand will work in your favor.

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, and USA Today. View his books at http://www.1001RealEstateTips.com .

New Surgical Treatment Options for Hernias

New Surgical Treatment Options for Hernias

 by: Joseph R. Lopez

Hernia repair is one of the most commonly performed surgical procedures worldwide. In fact, there are over 600,000 hernia repair surgeries performed each year in the U.S. alone. A hernia is a weakness or defect in the abdominal muscles which can result in the protrusion of tissue through an opening in the outer layers of the abdominal wall. Hernias can develop at any part of the abdominal wall, but generally occur in areas that have a natural tendency to be weak. These areas include the groin (inguinal hernias), umbilicus (umbilical hernias), hiatus (hiatal hernias) and incisions from previous surgeries (incisional or ventral hernias). While hernias generally do not pose serious long-term health problems, they can cause severe pain and discomfort for those suffering from this condition.

Hernias may be present from birth, or can be caused by strain on the abdominal muscles. In either case, hernias do not go away by themselves and depending on the degree of bulging or pain, generally require a surgical procedure to be repaired. Hernia repairs are usually done on an elective basis, which means that the patient and physician decide whether or when the procedure should be performed. Emergency procedures are only done for strangulated hernias, which are hernias that have become pinched to the point that the blood supply is cut off. These hernias require immediate medical attention since they can become infected and lead to a life threatening condition very quickly.

Hernias are typically repaired through a surgical procedure called herniorrhaphy, in which the surgeon repairs the hole in the abdominal wall by sewing surrounding muscle together or by placing a patch called mesh over the defect. Most surgeons make an incision at the site of the hernia in order to gain access to the defect, although some surgeons prefer to do these procedures laparoscopically.

During a laparoscopic hernia repair, the surgeon makes very small incisions to pass through specialized instruments and an endoscope, a device that allows the surgeon to see the abdominal area without opening the patient up. Laparoscopic hernia repair generally results in less postoperative pain and recovery time than open surgery. There is still a great deal of controversy over the long-term benefits of laparoscopic hernia repair, however, and it is by no means an option for every patient.

The use of surgical mesh to repair hernias is gaining in popularity with surgeons. Most meshes currently on the market are made from synthetic materials such as polypropylene, polyester, silicone or polytetrafluoroethylene (PTFE), commonly known by the DuPont brand name Teflon. While these meshes have good strength characteristics, they remain in the body as permanent implants and sometimes can cause adverse reactions when the surrounding tissue identifies these materials as foreign bodies.

In order to avoid adverse reactions to synthetic materials, some surgeons prefer to use meshes made of biomaterials which are gradually resorbed by the body over time and are then eliminated through biological processes. Since these meshes are not permanent implants, they generally only offer temporary repair of abdominal wall defects and additional surgical procedures are sometimes required to replace the absorbed mesh.

An alternative to synthetic and absorbable mesh is human tissue. There are a handful of companies that are now marketing processed, freeze-dried human dermis for soft tissue repair and augmentation. This material is implanted using the same technique as other meshes and provides for revascularization, cellular ingrowth and remodeling into the patients tissue. While this option generally provides a permanent repair with few adverse reactions, the processing and distribution of human tissue is not regulated by the Food and Drug Administration (FDA) as are most other products that are implanted in the human body. In fact, there have been a number of recent cases of serious infections and even deaths resulting from the implantation of human cadaveric tissue during surgical procedures.

New technologies have recently been developed to solve the problems associated with the use of synthetic substances, absorbable materials and human tissue in hernia repair procedures. Scientists in Europe have been conducting research and development into alternatives to these products over the past two decades and have made major breakthroughs in this area over the past several years. New ways of collecting and processing natural materials have led to a series of products that offer the strength of synthetic compounds, the biocompatibility of biomaterials and the regenerative properties of human tissue.

What material can offer all of the benefits of the previously mentioned products without the corresponding disadvantages? Porcine dermal collagen has an architectural structure very close to human tissue, and is therefore readily recognized as friendly by the human body. A leading medical technology company in Europe has developed a patented process by which a sheet of porcine dermis is converted into a safe and effective surgical implant for soft tissue repair and augmentation. The process, which takes several weeks to complete, removes all non collageneous material from the sheet except elastin, and stabilizes the material through a cross-linking process. The result is an acellular, non reconstituted, non allergenic membrane which has excellent strength characteristics, is completely biocompatible and provides a permanent solution for the repair of abdominal wall defects. Since the material itself is a byproduct of the meat packaging industry, it is more readily available than human tissue. In addition, the harvesting and processing of the material is strictly regulated by local government, as well as international directives and quality standards.

This collagen surgical implant has been used in Europe for these types of procedures for several years and there is strong clinical evidence of the safety and effectiveness of the product. In fact, the implant has been approved for sale in the U.S. by the FDA and there have not been any adverse reactions reported after several thousand implantations in Europe. Not only is it safe, since the structure of the collagen is so similar to human tissue, once it is implanted the sheet provides the basis for cellular ingrowth and revascularization. This results in a permanent fix in even the most difficult cases. In addition to the positive clinical outcomes, surgeons like the fact that they do not need to change their surgical technique to use this product. They can use the same exact same steps they would use for synthetic or absorbable surgical mesh in both open and laparoscopic procedures.

Only physicians can properly diagnose and appropriately treat hernias. However, patients have the right to actively participate in decisions that affect their health or quality of life. Information about the various treatment options that are currently available can play an important part in the discussions between patients and their physicians regarding the best surgical treatment option for them.

About The Author

Joseph R. Lopez is the Executive Director of BioSurgical Innovations, Inc., a privately owned sales, marketing and distribution company that focuses exclusively on new technologies in biomaterial implants, biosurgical devices and complementary products for a number of surgical specialties. These products are designed to interact with living tissue and have the capacity to improve procedural efficiencies for surgeons and enhance the clinical outcomes and quality of life for their patients. BioSurgical Innovations sells its products through a distribution network that covers Latin America and the Caribbean, as well as key accounts in the U.S.

For additional information, contact:

BioSurgical Innovations, Inc.

Tel: 954-331-8044

Fax: 954-331-4601

http://www.bsurgical.com

jlopez@bsurgical.com

Weight Loss Workouts for Busy People

You can get an incredible weight loss workout at home without any equipment. That's right, you can burn fat and lose fat in the comfort of your own home. You don't need fancy machines or expensive mega-gym memberships, and you don't have to deal with line-ups or sweaty, stinky fellow gym-members. Ewww!

Okay, here's the first thing you need. About a 8x8 open area. And your bodyweight. That's it. Don't rest between any of these exercises.

First exercise: Prisoner Squat

Place your hands behind your head, keep your elbows back, and squat down halfway to the ground. Keep your shoulder blades together to work your upper back and push your hips back as you squat to work your back of your legs.

Do that 10-20 times depending on your strength levels.

Second exercise: Push-up Plus

Do a regular pushup, but at the top, add a little extra push to round your upper back and make your shoulder blades move away from one another. Do 4-12 reps depending on your strength.

Third exercise: Plank

Support yourself on your forarms and toes and keep your body in a straight line from ankles to shoulders. You'll be hovering just above the ground. Keep your abs braced and hold for 10-60 seconds depending on your endurance.

Fourth exercise: Split squat

Stand with one foot 2 feet in front of your body and the other foot 1 foot behind your body. This is a stationary lunge position. Bend your back knee and drop your hips to the floor. Then push up using the muscles of the lead leg. Use a wall for balance or support if needed. Do 5-12 reps per side depending on strength.

Rest 1 minute then repeat the circuit up to 4 times.

Craig Ballantyne is a Certified Strength & Conditioning Specialist and writes for Men's Health, Men's Fitness, Maximum Fitness, Muscle and Fitness Hers, and Oxygen magazines. His trademarked Turbulence Training fat loss workouts have been featured multiple times in Men?s Fitness and Maximum Fitness magazines, and have helped thousands of men and women around the world lose fat, gain muscle, and get lean in less than 45 minutes three times per week. For more information on the Turbulence Training workouts that will help you burn fat without long, slow cardio sessions or fancy equipment, visit http://www.TurbulenceTraining.com

Bridesmaid Dresses Visited

When a woman has the honor of being asked to be an attendant at a wedding, probably the first thing that pops into her head is the bridesmaid dresses. There are a whole bunch of horror stories about nasty looking dresses that were chosen as bridesmaid dresses. I have seen tons of awful looking gowns, the ones from the 80s seem to be especially hideous. There are still plenty of fine looking bridesmaid dresses out there, so be warned bridal attendants.

I had the honor of paying the maid of honor for my best friend?s wedding and we recently checked out a bridal store to try on our gowns. The bride chose a few bridal gowns and she chose a few bridesmaid dresses in advance. It's always a smart thing to do when you can take care of everything in advance because you never know it's going to come up that it's really great to have time to adjust for those surprises.

I tried on three bridesmaid dresses and I was relieved and impressed with the bride?s excellent fashion sense. When she told me that she wanted the bridesmaids to wear pink, strapless gowns, my heart may have stopped. I imagined a shocking pink flamingo look, form-fitting dress, that would point out every single flaw on my frame - yuck. We'll actually found or three lovely bridesmaid dresses that were complementary to any type of figure and you can't beat that.

The tough thing was actually willing down my choices to just one. The bride and I agreed which bridesmaid dress looked the best on the Internet, but we were pleasantly surprised to see that her number two choice, we liked even better. When I tried it on it felt comfortable and I felt at ease with that particular bridesmaid dress.

The bridesmaid dresses or a whitish-pink, and though they are strapless, not my favorite choice, the bride decided to incorporate short jackets as an accessory for those of us who prefer not to attend church looking like Madonna. The jacket is clean and elegant, just as the lovely pink gown was. I think that I will be very happy with the bride?s choice.

This choice was really a no-brainer for the bride and I was relieved that I only had to try on three bridesmaid dresses. You won't believe this but sometimes I have tried and dozens of dresses for a single wedding. I actually think that she knew which one I preferred and chose that one. I tried to keep my opinion to myself until after she made her choice. It was after all her wedding and her decision and I didn?t want to influence her in any way just to please me. She may have regretted being swayed and it's really not worth doing that. Fortunately for both of us she chose a great gown.

I saw many other gowns that were nothing short of horrendous. There were bridesmaid dresses that ballooned at the bottom like something out of Cinderella. There were bright orange dresses that made us look like the great pumpkin. I actually saw a gown, and I'm not making this up, that was strikingly similar to a ballerina?s tutu and I thanked the stars above that the bride in the wedding I?m attending or smart enough not to go for a number like this. Although the final decision has back treatment may get and she hasn't ordered the bridesmaid dresses yet so you never know...

About the Author:

Morgan Hamilton offers his findings and insights regarding wedding. You can get interesting and informative information here at http://www.weddingsparks.com/weddings/weddings/bridesmaid-dresses.html

Potty Training Resistance

Potty training, unfortunately, comes at a time in life when a child is learning to be more independent. Known as the ?terrible twos?, your toddler may resist potty training altogether, dirty his or her diaper for spite, act differently about the toilet for different caregivers, and generally cause potty training to be a hassle for parents. However, don?t despair, potty training can still be accomplished even if this is the case, if parents remain calm and understanding and make potty training a fun activity.

First, be sure your child is ready and establish a potty training routine with your child. These two steps are the basis for quick and stress-free potty training. However, many children will still resist, so you are not alone if you are often faced with a screaming child or one who is learning early to talk back (good luck with him or her as a teen?). Refusing to potty train can be simply frustrating, or it can have real health consequences if they chose to ?hold it? for long periods rather than use the potty. Remember to consult your paediatrician if resistance continues for a long period of time.

Rewarding your child is an appropriate step in the potty training process, and one that will possibly make your child less resistant. Have him or her help choose the prizes. For example, visit the local toy store and purchase some new items that your child may not have until he or she meets certain goals. You may also wish to talk to your child about what he or she cannot do without being potty trained (staying the night at grandma?s, going to school, visiting friends, etc). Motivation is the key to successful potty training.

Talk with your child if he or she is normally well behaved, but extremely resistant to potty training. Perhaps your child is scared of using a potty seat. Have him or her use, instead, a small potty chair and decorate this chair with stickers. Some children, for example, are scared of the flushing noise a larger toilet makes. Wait until your child leaves the room to flush, or have him or her flush the toilet themselves, both when they use it and at other time in the day, simple to get used to the idea. You may also wish to have your child watch while you, older siblings, and family members use the toilet to show your child that it is not scary.

Punishment is appropriate when your child knows that he or she is acting inappropriately. For example, if he or she won?t let your change his or her dirty diaper, even though they have been previously telling you when they have to go, you may wish to punish your child. Also consider punishment for inappropriate behavior such as hitting or throwing temper tantrums.

Punishment is not appropriate for accidents, on the other hand. Remember that your child may simply not know he or she had to use the toilet. Even with older children, accidents sometimes happen, especially with urination during play as they get distracted until it?s too late to make it to the toilet. Try to be understanding about this so that your child does not continue to resist using the toilet.

There are many tools on the market to help make potty training fun. If you make it a fun activity, your child will not be as resistant, and the process will be much faster. Use a variety of games, songs, and activities to teach your child about using the potty and remember that each child is different and will learn toilet use at a different pace.

Diane Ball has an interest in Potty Training. For further information on Potty Training please visit Potty Training or Potty Training Symptoms .

Atlanta Real Estate Trends

It is believed that the greatest boom in the Atlanta real estate is yet to happen. An increased growth in population and rate of employment in Atlanta has caused the value of the real estate market to escalate continuously. The real estate prices are comparatively reasonable in Atlanta as compared to other large metropolitan areas. For example, a two-bedroom condominium in New York will cost you more than one million dollars, while Atlanta offers the same type of property for $250k to $300k.

The rapid pace of development of Atlanta has made it a center of many industries. This has led to an oversupply of commercial buildings, thereby decreasing the value of commercial properties. Assessment based on the supply and current vacancies has shown that Atlanta markets are more vulnerable to overbuilding. Atlanta has comparatively low mortgage interest rates. Federal environmental regulation or the tax reforms put forward by the state or the nation can also influence the Atlanta real estate trend.

Timely analysis conducted by credible industrial experts on different aspects of Atlanta real estate will help you to foresee changes in the market. Many experienced real estate professionals who know the Atlanta market are there at your service. They can represent your interests with integrity, character, and honesty. It is highly recommended that you get the property inspected before buying. If something turns up during the inspection, you have the right to negotiate a repair or remedy.

Atlanta posted one of Southeast's highest office sale prices recently when an investment management company paid $168 million ($330 per square foot), for an office building. The standing record in Atlanta is $343 a square foot for a building, according to the Atlanta Business Chronicle.

Atlanta Real Estate provides detailed information on Atlanta Real Estate, Atlanta Real Estate Agents, Atlanta Commercial Real Estate, Atlanta Real Estate Listings and more. Atlanta Real Estate is affiliated with Chicago Suburb Real Estate.

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73 1/2 Things I Have Learned on Stage

Tips About Your Real Estate Agent

So you're looking for a new house or a lot for sale on which you can build your dream house. You know you need to enlist the aid of a real estate agent. Here are some tips that will help you find the right one.

The first thing to remember and, ironically, the most important thing for a lot of people, is that your real estate agent will not be working for you. That's a common misconception. No matter who the real estate agent is and how close your personal ties may be, the agent's primary objective is to sell a piece of property to you. In fact, his income depends on that sale. The larger you pay for the property you want, the bigger his commission. Bear that in mind: it is in the real estate agent's interest to make you spend more.

Sometimes we become really comfortable and open with sales people that we share confidential matters that can have huge bearing on a potential sale. For instance, you may tell them that you are desperate for a piece of property because you have to move out of your old house within a week. This lets your sales agent know that they can sell the property to you at a high price. As a general rule, don't let anyone know how much you are willing to pay for a new house or lot.

Oftentimes, the first question that a real estate agent throws at you is precisely that: how much are you willing to pay? It's an old ploy so don't fall for it. In response, simply state the price that you want to pay and, if they ask again, tell them that's the ceiling. Add that if the seller does not agree to that price, then there is nothing to talk about and move on. Chances are great that a serious seller (or buyer, for that matter) will immediately turn down a prospect upon hearing the first bid. In all likelihood, a serious buyer or seller will negotiate and explore options.

Finally, don't let your real estate agent choose the lawyer who will write up the property agreement, precisely because the agent is trying to sell you something. It would be far better if you selected your attorney yourself.

Jonathon Hardcastle writes articles on many topics including Real Estate, Business, and Finance.

California Defaults Up 67%

Mortgage defaults rose to a three-year high in California for the second quarter of 2006. The 67% year-to-year increase saw 20,752 default notices sent to homeowners across the state.

When compared to the first quarter, the increase was 10.5%, up from 18,778. There were 12,408 notices sent out in the second quarter of 2005. Notices of default mark the first step in the foreclosure process.

This is an important trend to watch, but doesn't strike us as ominous, said Marshall Prentice, DataQuick's president. We would have to see defaults roughly double from today's level before they would begin to impact home values much.

Prentice added that due to the extreme low numbers of defaults in recent years, most industry experts have expected to see defaults rise as home appreciation slowed.

We hear a lot of talk about rising payments on adjustable-rate loans triggering borrower distress, he said. While there's no doubt some of that is going on, as far as we can tell the spike in defaults is mainly the result of slowing price appreciation.

Slowing prices make it more difficult for homeowners to sell their homes for the amount they owe. Many are left with more debt than home value.

With the increases in interest rates over the past two years, the formerly booming market has begun a slowdown. California defaults hit a low of 12,145 in the third quarter of 2004. During 2004, home prices were gaining over 20% annually.

This year, annual price gains have fallen into single digits in many of California's key markets, according to DataQuick data. As home prices level out, more defaults are expected to come.

In July, median home prices in San Diego and Sacramento counties fell about 1% for the year. Second-quarter defaults rose by 99% in San Diego County and 109% in Sacramento County.

DataQuick reported that defaults remain one-third the peak levels reached in 1996, the last time a housing recession hit California.

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!

How to be Prepared for Your Fashion Model Shoot

The fashion model session - What to pack in your model case



OK, you're off to a model photo shoot. But, did you remember to pack your bag? Did you put everything you need in it? I hope this article will be helpful to you and start you on the right foot in making sure your model bag is complete.



What do you bring?



What you bring to your model photo session will depend upon whether this is your first shoot for a portfolio or a paying job. Either way, this section will help you to be prepared for whatever reason you're doing the model session.



First things first - Know what the client wants



If you are shooting for an agent or client, he will tell you what to bring but you still need to carry basics in case of changes in hair, makeup, etc. All the tips listed here are meant to be a guide and a checklist of sorts so you can always add to the list when you feel it's necessary.



Ready? Let's get started to create your model kit



Below I'm going to list suggestions for your photo shoot mainly so you don't forget anything the day of the shoot. In fact, I'd like to see your model case prepared before the day of the session so there's no rush. You may want to copy and print the section below so that you'll have a guide handy each time you go for a photo shoot.



You're now standing lifeless in front of your closet - Wardrobe Essentials



Here are the essentials for your wardrobe. As stated above, some of the clothing listed here will be provided if this is a model shoot for a client.



- Casual - blue jeans, sports & knit tops, button up tops, shorts, cutoff blue jeans, etc.

- Business Suit - for a different look

- Sports (exercise, uniforms, shorts, etc.) - If you plan to do some sports modeling

- Lingerie - If you plan to enter the lingerie market

- Swim wear - needs to be a bikini that really flatters you

- Any props like hats, neckties, men's shirts, jackets, etc.

- G-string & bra in flesh tone color - This is to eliminate lines that show under clothing

- Hose/nylons in an assortment of colors

- Socks in different colors including black and white

- Bring several different bras including at least one push-up and one in flesh tone color

- A robe to wear between changes during the photo session

- Bring a scarf to wear when changing to help keep makeup off client's and your clothing

- You may also want to pack an iron or steamer for those wrinkles that are bound to show up from the trip.



Accessories - You've got to have something to compliment the clothes, right?



Along with each outfit, try to bring accessories which will accent or match the outfit. Keep accessories simple.



- Assortment of necklaces

- Earrings

- Bracelets

- Choker (these are popular at the time of this writing)

- Wristwatch - You normally wouldn't wear a watch unless you are doing a photo where you will be looking at the time.



Shoes, Shoes, Shoes



As with accessories, shoes should match or accent the outfit. But, you can also think outside the box on the subject of footwear. For example; High heels have a totally different look with jeans or swim wear than with an evening dress.



- Dress shoes - Bring several different pairs

- High heels - Also an assortment

- Jogging shoes - white

- Boots or high heel boots

- Sandals



Don't forget about the hair



Below are some items you'll need for your hair (or hair removal)



- An assortment of combs and hairbrushes

- A curling iron

- Hair rollers

- Straightener

- A couple of headbands

- Shaving cream and a couple of sharp razors

- Anything else you use for hair care



When coming to the model shoot, I would suggest leaving the hair fairly natural with very little (if any) hairspray so that you, or the MUA, can work with it after you arrive.



Makeup and facial



Even if your shoot involves a make-up artist, you still may want to pack the following ...



- Your complete makeup kit along with a mirror

- A moisturizer

- Cottonballs and swabs

- Lip balm

- Vaseline

- A good skin cleanser

- Several different shades of lip color (be sure to bring some solid colors)



Nails, finger that is.



A quick tip about nails. Remember that in photos, your eye will move to vivid colors first, especially red. So, take this into account as to whether you want people viewing your hands or your face.



- Here is a checklist for nail products to take to your photo shoot.

- Your complete manicure kit

- Nail polish with neutral color

- Remover kit for nail polish



A nice manicure will really enhance your model photos, especially images where your hand is near your face in close-ups so pay particular attention to your nails.



This should pretty much cover you for most photo shoots but as stated above, listen to the photographer or client and be sure to bring wardrobe he or she wants.



Now, you're ready so off your model photo session!!!

Buying Property Overseas the Common Misconceptions Solved

Janet and John part 5

Some of the misconceptions solved for buying overseas property

Janet and John had reserved their new property overseas. They had paid the reserve to the solicitor Raphael, and he had secured the property for them. He was now in the process of searching at Land Registry to see what if any were the problems related to their dream purchase. He soon found one. Janet and John were still recovering from the shock of having to put up half the money in cash and I mean real folding money!

It transpired that there was a mortgage on the property for 120K. He rang John and enquired if they knew? No was the reply but surely such a mortgage would be cancelled or settled by the current owner? Such is the habit in the UK that mortgages move with people but are secured on property. However in the UK when a property is sold the new owner buys it with clear title and no debt attached to the property.

In Spain the mortgage can stay with the property in question. The seller can happily transfer the mortgage to the name of the buyer or just walk away leaving the mortgage with the property. That mortgage never follows him but is charged against the property and the new owner becomes responsible to the Bank for the loan and the term.

It has often happened in Spain that foreign buyers have not employed a good solicitor or not even employed a solicitor at all but trusted the agent! Yes the hot sun gets to them all at some point. Unwittingly buying properties for the full price, only to find out later, that there is a mortgage on it or a huge council tax debt!

However it can also work to a buyer?s advantage. The old owner may have arranged a sizeable mortgage with a reputable lender over a long term and at a low interest rate. Even with variable mortgages, those that react to changing National base rates, by European standards these mortgages are normally inexpensive. Of course there is always the odd one that has been arranged for an un-creditworthy consumer with harsh conditions. Buyers beware!

What to do?

First contact Andy the Property pal. Is this normal? What shall we do? Back came the answer.? Yes it?s quite normal. First ask what the terms and conditions are. What is the rate of interest, who is the lender and what is the term? If they are acceptable and the lender is well known then it could be to your advantage to accept the mortgage as part of the purchase price.?

John spoke with the agent and explained the problem. Jose Miguel agreed to call the owner and make the necessary enquiry. John also had other queries relating to services and local taxes. John then asked if there was an electrical certificate. Poor John?.. Jose Miguel smiled, ?My friend this is Spain, the property is over 20 years old you will not be able to get such a thing however desirable.? John mentioned that Andy knew a local electrician, an Englishman called Brian would it be OK for Brian to do an inspection for him? ?Of course whenever you like!?

A few weeks later they are back in the UK and waiting for news. Nothing has been heard for a while and John is worried, Janet is becoming anxious. John decides to use the Property Pal network again and that night sends Andy, his Property Pal for Costa Valencia an Email. Andy replies two days later. He has phoned the agent and the solicitor and Brian the Sparks. All is going reasonably well, the legal process is progressing but John should plan to come back to Spain in 3 weeks time for a likely completion.

Janet is very happy with his news and John sits her down to discuss the outstanding problems.

The mortgage is a good one. The lender is Banco Popular a reputable lender and the interest rate is 3.5% with an outstanding term of 10 years. This means that 120K outstanding can be taken off the purchase price and Janet and John can take the responsibility of the mortgage with the property. The advantage is John does not have to register a new mortgage at the Town Hall and avoids paying a mortgage tax. He also saves a lot of time in not having to arrange his finance, albeit the loan is more than he wanted at least it is very cheap by UK standards and manageable.

The electrical report has come back from Brian the Sparks. It is not good news. The system that exists is illegal. The power input is so low that a microwave will set off the trip each time it is used. Brian assumed correctly that Janet would want a dishwasher, tumble dryer, air-conditioner unit, kettle and other electrical appliances installed and the power is just inadequate. John would have to apply to the local power company for an increase in supply. They would arrive to inspect and declare the current installation illegal.

What to do?

Contact Andy the Property Pal. Andy instructs Brian to quote for the upgrading and re-wiring and installation of new circuit breakers. Andy will see if he can call the local power company and start a process for Janet and John. If Brian can do the work first then when they make their inspection, and of course when is the keyword, they will declare it acceptable for a power supply increase.

The next problem for our intrepid pair is how to handle the darker side of the cash purchase.

In Spain there is no Capital Gains Tax on your primary home but in theory there is on your second or weekend home. Traditionally over the years property has changed hands with little concern for the accuracy of the boundaries or deeds. Much of the price has been paid in cash from below the bed. This habit is changing and many lawyers are now under greater scrutiny from National and local bodies who wish to see the real value of a house declared and tax paid thereon. So the habit still exists but lawyers are encouraging and cajoling sellers to declare at least 70% of the value in legal tender.

Thus 30% is paid for in hard folding cash. If the declared value is too low then the Town hall Notary has been known to fine the seller for the assumed balance by going out and valuing the property! It is not unusual for buyers and sellers to exchange cash at the Notary?s office in a large bag. Obviously this does not go unnoticed by the local criminal fraternity and there are many instances of persons being robbed on their way to or from the completion meeting. It is normal but absurd as the Public Notary? office is fully aware that this practice exists, and the Notary in question will simply withdraw from the room for 5 minutes whilst the parties exchange the cash!

Often there will be two solicitors and two opposing bankers present, as well as the bagman, his counterpart and maybe a translator. It is a real farce which is slowly changing. It is now even acceptable for a Bank to draw a check for the cash element and bring that with them for their client instead of the insecure currency notes. However there are still sellers that insist on cash for their balance outstanding and some who even do another portion outside of the auspices of the Town Hall! Do not get involved in this practice is the advice from the myProertyPal.com website. The system is becoming so farcical that I have heard stories of Banks running out of cash and having to go around the local town and collect it from other Banks!

Janet and John chose Banco Popular and they and the opposing side were able to accept a check for the funny balance and all went well with their date of completion.

So the intrepid pair completed their learning curve of buying their investment property overseas, but was that the end of the story or was there much more to learn about Living in Spain? Of course and we will re-join them later!

http://www.mypropertypal.com