Thursday, April 30, 2009

Where Is DaimlerChrysler Heading?

The DaimlerChrysler AG is faced with so many options but the closest by far, as perceived by experts, is the selling of the Chrysler Group. However, some of them predict that Daimler, minus Chrysler, may not be enough to compete worldwide.

If Daimler decides to sell Chrysler, the German automaker is expected to return to what it was two decades ago: small yet proud. Most of the investors of Daimler are jubilant about the prospect of turning back the hands of time when the company is said to be more profitable than today.

For years now, the executives of the German automaker have intimated that the grand expansion strategies of the previous chief executives have created a heavy toll on Mercedes-Benz, its most precious subsidiary.

It can be recalled that Juergen Schrempp, the former CEO of the German automaker, built a global automotive giant by surrounding Mercedes with mass-market brands like Chrysler, Dodge, Kia and Mitsubishi. Edzard Reuter, Schrempp?s predecessor, paired Mercedes with aerospace and electrical appliances businesses. The said ventures have lost a hefty sum of money that Daimler has closed or sold almost all those businesses.

However, its stock has rose 30 percent to an eight-year high since Dieter Zetsche sat on the steering. But the whole automotive world was shocked when Zetsche impliedly announced in February that a sale of Chrysler was probable. Yet amidst the euphoria, a clamor is questioning whether the separation of the 1998 merger between Daimler-Benz and Chrysler is the right decision for the German automaker.

We are not in favor of a sale of Chrysler, Mark Warnsman, a New York-based analyst for Prudential Equity Group, wrote in a report this week. Without Chrysler, the rest of the company may not be large enough to compete with huge and efficient global automakers such as Toyota Motor Corp. Even at the luxury end of the business, scale matters, he said. In our view, the original merger strategy remains sound, and it is the execution that has lagged.

In 2006, Mercedes sold 1.25 million vehicles about more than half of Chrysler's volume and much fewer than the 4 million-unit threshold, which is said to be the minimum needed to cope with the growing manufacturing cost.

Mercedes Benz is renowned for its heavy-truck business. By far, it is the largest with less than 600,000 units sold every year. However, it is far productive than Smart small car. Just as Daimler is slowing down, Porsche, another Stuttgart-based automaker, has become a lead player by purchasing a controlling stake in Volkswagen AG, Europe's largest carmaker.

Porsche has installed itself in the driving seat of an automotive empire that includes sports and volume brands, light and heavy commercial vehicles with direct links with leading European truck makers, said European analyst Thomas Ryard who works at consulting firm Global Insight.

Most Daimler investors do not want to search for ways to make the tie-up with Chrysler work. Could EBC Active Brakes Direct stop the forthcoming? People want just one option -- the sale of Chrysler, said Frankfurt-based analyst Juergen Pieper of Metzler Bank.

Anthony Fontanelle is a 35-year-old automotive.buff who grew up in the Windy City. He does freelance work for an automotive magazine when he is not busy customizing cars in his shop. Please visit EBC Active Brakes Direct for more information.


Wednesday, April 29, 2009

How Do You Celebrate Your Birthday

Perhaps you don't really celebrate your birthday - some people I know don't - or perhaps your birthday is your favorite day of the year. Either way you will want to read this article.

If you are a birthday lover - this will give you more reasons to love your day. If you aren't a birthday fan (it just reminds you that I'm a year older today), this article will give you a completely different focus for this day.

Notice the title isn't 12 ways to celebrate a birthday; it's 12 ways to celebrate your birthday! What follows are 12 specific ideas to make your special day even more special.

Eat your favorite food. It's your day - you deserve it. Even if your favorite foods don't go together, they do today. Enjoy!

Do a favorite childhood activity. Maybe it was a board game, or playing tag, or doodling. Whatever it was, do it today! Do it as a way to reignite your inner child and your creativity. Do it for the pure enjoyment. You will be amazed at how it will make you feel.

Remember your favorite birthday. If you have a particular birthday that sticks out to you, spend time thinking about it and reveling in those memories.

Laugh out loud. Do something that makes you laugh with delight! Laughter feels good and is good for you. Perhaps one of the other ideas on this list will make you laugh out loud - if so, great!

Give a gift to someone else. We all know it feels better to give than receive, so why not give gifts to others on our birthday? Consider starting with your mother - after all she had a more memorable day when you were born than you did!

Give your day away! You don't have to give a physical gift, you can give your time - to someone you love, to a charity or whatever you wish! Make your day a gift to someone else.

Give yourself the gift of time. Sometimes our days are so packed with events and tasks that we don't have time for ourselves. Consider giving yourself the gift of time for your own rest and relaxation (or the time to do another item on this list!).

Send yourself a card. A few days or weeks before your birthday find a card you love, sign it and write yourself a note. Then address and stamp the envelope and ask someone to mail it to you a couple of days before your birthday. This is a great way to guarantee a card, and I promise it will make you smile.

Spend time with someone you love. This might overlap with a couple of other ideas on the list - but that's OK. What could make for a better day than spending time with those you care about the most?

Make a memory. Challenge yourself to create memories today that will last a lifetime.

Reflect on the last year. Your birthday is a milestone, so it can be a great day to review your results and actions of the past year to see how you have done and determine what is working - and what isn't!

Set some new goals. Today is a perfect day to look forward, to project into the future, to set goals for the next twelve months. If you don't have goals written down, today is a perfect day to create them!

You'll notice this isn't like some lists you read that make you think you should try all of the ideas. It wouldn't be possible to do all of these things in one day. The ideas fall into a focus on your past, present or future - and all of them are about you.

The key is to pick one that feels right to you and add it to your celebration. It is your day after all!

Final Note: While these ideas are written from the perspective of celebrating a birthday, all could be used - though perhaps tweaked slightly - for a team anniversary, company anniversary or other organizational milestone date.

Oh, and one last thing. You don't have to wait for your birthday to do any of these things. You are alive and you can celebrate for that reason using any of these ideas you'd like. You have my permission.

Potential Pointer: We all have a day that is ours - our birthday. Why not celebrate it in a meaningful and fun way? On your next birthday think of the gift you will give yourself, whether connecting to your childhood, celebrating with those you love or making that day the start of an even brighter future!

Kevin Eikenberry is a leadership expert and the Chief Potential Officer of The Kevin Eikenberry Group, a learning consulting company that helps Clients reach their potential through a variety of training, consulting and speaking services. To receive your free special report on Unleashing Your Potential go to http://www.kevineikenberry.com/uypw/index.asp

By Kevin Eikenberry

Tuesday, April 28, 2009

Real Estate Investment Financing

Real estate investment financing is a better option than the traditional residential real estate mortgages. The financing in this sector is done mainly by borrowing money as it is more lucrative than investing one?s own money in a single real estate. Real estate investment is a great possibility for many people to gain equity and to generate cash flow and due to this, demand for commercial real estate investment financing is increasing day by day. The real estate investments include homebuilder stocks, real estate mutual funds and real estate investment trusts (REITs).

A real estate investor can get around 98 percent financing for his investments. Even, cent percent financing is available. Zero down real estate investment financing is a fully documented loan which is provided to a single family, townhouse, or condominium. The only requirement for this program is excellent credit. It is now available at reasonable rates. For investment properties, limited and no documentation loans are also available.

Many companies are providing financing for the real estate investments. Most of the business concerns are allowing a maximum of 5 to 6 new rental property mortgages yearly. These companies provide low interest rates and quick close available (48 hours) options to the investors. For a reliable and stable financing, short term and interim financing loans are available. It is hard for a person to get real estate investment financing for more than six properties in a single year. In this situation, sellers financing is the best alternative for achieving the maximum leverage of the investment.

There are various real estate investor financing books available in the market from where one gets rich information about the financing methods. Other means through which one gets ample information about the real estate investor financing are courses, books, tapes, software and services. Before trying a real estate investment financing, make sure that the banks are regulated by the federal government and are capable enough to underwrite conforming loans.

Real Estate Investments provides detailed information on Real Estate Investments, Real Estate Investment Trusts, Real Estate Investment Loans, Real Estate Investment Financing and more. Real Estate Investments is affiliated with Buying Investment Properties.

Monday, April 27, 2009

Real Estate Investing: No Lawyers No Debt No Plungers

Real Estate investing is not nearly as legally complicated, financially burdensome, or time consuming as you might think. In fact, it is easy to add raw land, shopping centers, apartment complexes, and private homes to your portfolio without Brokers, Bankers, Attorneys, and a Rolodex full of maintenance professionals' phone numbers. Even better, you can blend your Real Estate investments into your security portfolio for ease of management, income monitoring, diversification analysis, etc. Without having mega millions to work with, or a line of credit that goes around the block, you can have positions in various forms of Real Estate (Commercial, Industrial, Residential) at the same time, and focus either on Growth Opportunities, Income Production, or a combination of the two.

If you thought that Real Estate was out of your investment reach because of limited funds, or minimal personal experience, you were selling yourself short. All of the basic types of Real Estate Investing are available through CEFs (Closed End Funds) and REITs (Real Estate Investment Trusts), and both can be purchased in the same manner as any common stock. And for me, this has always been their (CEFs and REITs) single most attractive feature! You can own a piece of the action without the big commitment of time and resources. You can take advantage of changes in the Real Estate Market Cycle in precisely the same manner as you can deal with the volatility and fluctuations in the Stock and Fixed Income Markets.

Real Estate CEFs and REITs are obviously safer investments than outright purchases of Shopping Centers and Apartment Complexes. They are also somewhat less risky than owning the common stock of individual Real Estate companies. The size of the numbers may be less exciting, but the net income and capital gains potential are comparable and the turnover rate much more impressive. Both methods (of participation in the Real Estate market) should be considered as you add to your investment portfolio? but to which Asset Allocation bucket? I've always included REITs and Real Estate CEFs in the Fixed Income bucket while the common stock of a plain vanilla Real Estate Company would properly fit within the Equity portion. When adding Equities of any kind to your portfolio, you should avoid the standard Mob Popularity and Greed model and select only S & P, B+ or better, rated stocks that pay dividends (regardless of size) and that are priced at least 20% below their 52 week high. After a huge rally in any market, I would be even more selective than that from a percentage standpoint, and I would buy about one-half the normal position to facilitate average cost reduction later. You must establish a reasonable profit-taking target on any investment. Real Estate is no exception. No matter what the investment, Virginia, the longer and stronger the rally, the steeper and faster the correction is likely to be.

On the Income side of the portfolio, make sure that you look at a lot of REITs and even more CEFs of various kinds to get a feel for the levels of income they produce. REITs must pay out a certain percentage of their earnings, but CEFs may not have the same restriction. I believe that either can be leveraged, which simply means that management may choose to borrow some of the money that they invest. Leverage is not a four-letter word when used properly, and (in my opinion) it is more likely to help your results than it is to hurt them. It's always a good practice to stay within the normal income range, assuming that there is either a risk or a management reason for the highest and lowest yields, respectively. Be careful not to create a poorly diversified income portfolio. Bonds, Preferred Stocks, Mortgages, etc. deserve your attention as well and should be represented. Monthly income is available and more attractive than any other.

The major distinction between the two types of investing needs some re-emphasis. When purchasing stock in a Real Estate company (or any other company), your main objective should be to sell the stock for a reasonable profit as quickly as possible. You will then select some other stock and repeat the process. It is likely that you will return to the same companies over and over again, and you are the manager? any dividend income is gravy. When purchasing a REIT or a Real Estate CEF, you are depending on the managers of these entities to generate income and capital gains and to pass it on to you every month, recognizing that the actual amount may vary slightly over time. You have the bonus capability either of selling the REIT or CEF shares when they rise to an acceptable profit level (more gravy), or of buying more shares to increase your income level. The distinctions (benefits?) of this form of Real Estate Investing vs. ownership of the properties themselves should be clear as well. No attorneys; no debt; no maintenance; no problem.

Steve Selengut
http://www.sancoservices.com
http://www.valuestockbuylistprogram.com
Professional Portfolio Management since 1979
Author of: The Brainwashing of the American Investor: The Book that Wall Street Does Not Want YOU to Read, and A Millionaire's Secret Investment Strategy

Sunday, April 26, 2009

The Power Workout

Not enough hours in the day? Feeling the crunch when it comes to finding time for just your own needs? If exercise is important to you, you might do well to consider the following:



Scenario: I really want to get in shape, but I work all day and attend multimedia classes until 8:30. How do I find the time to exercise, and what are a few good exercises for beginners like me? Solution: Finding time to exercise is certainly a challenge. Even the most motivated among us suffer setbacks during our business' busy season or when a new project is on the horizon. The key to fitting fitness into your busy day is to recognize that finding time isn't the issue--it's making time.



You may be surprised to hear that you can enjoy the benefits of a regular exercise program in as little as three hours per week.



The following routine shows you how:



Monday: Half-hour of jogging, biking (on hills) or other intense aerobic exercise you enjoy

Tuesday: Half-hour of strength training (squats, sit-ups and push-ups for beginners; weight training with machines or dumbbells for the more experienced)

Wednesday: Rest day

Thursday: Repeat Monday

Friday: Repeat Tuesday

Saturday: One hour of exercise--any type of exercise. Go rollerblading with a friend, take the family to the hills for a hike or swim laps at the pool.

Sunday: Rest day



Make your workouts more time-efficient by exercising harder. For example, you can walk two miles in a half-hour, or you can run four miles in a half-hour. You can spend an hour in step aerobics class, or you can spend 20 minutes rowing at the highest resistance level on the rowing machine. When you perform strength-training exercises, use a challenging resistance and move quickly through your exercises to get an aerobic benefit.



If you want to commit to getting fit, exercise must become a part of your life--a habit as regular as brushing your teeth. Try these ideas to help you stay on track:



*Make a log of everything you do for a week, and identify the time slots where you can fit in exercise. Did you spend a Saturday afternoon watching the Back to the Future trilogy for the fifth time? Could you manage to get up a half-hour earlier on the weekdays? Just skip an hour of television time and go to bed earlier.



*Make exercise convenient. Find a place to work out that's close to your home or office. If you're disciplined and have the space, work out at home.



*Develop relationships with supportive people. Join an exercise class or go to the gym with friends. If you skip a class, your friends will hold you accountable.



*Exercise at the right time. The ight time is when you're most likely to do it. If you know your day often ends late or meetings come up suddenly, it's best to schedule your workout for first thing in the morning when nothing can interfere. If you're a night owl, fit your workout in before dinner. If you can only manage a 10-minute walk on your lunch hour--do it. Some exercise is better than none.



Benefits Of Exercise



Need more motivation to get fit? Consider the following benefits of exercise:

*Exercise increases your stamina and strength.

*Exercise improves your heart and lung efficiency.

*Exercise gives your body greater resistance to disease, stress, anxiety and fatigue.

*Exercise gives you more energy and enhances your capacity for work and leisure activities.

*Exercise releases hormones that stimulate the brain, helping to clear your mind, see things from a new perspective, and come up with fresh ideas.



So make an appointment with yourself to get some exercise. Your body--and your business--will thank you for it.





Saturday, April 25, 2009

Improve Your Backgammon Game




 



Improve Your Backgammon GameSubmitted By: Gene Marshall  
















Are you familiar with the rules on how to play backgammon but lack confidence to really improve your backgammon game? Online backgammon is as much about attitude as it is about skill. You may be an experienced player or a skillful novice, but if you don't take chances you're unlikely to reach your full potential. The following tips and pointers are designed with you in mind. Maybe you're new to the world of internet backgammon or you've just finished playing your first backgammon board game. Or perhaps you're a seasoned backgammon fan but a little out of practice? Regardless of your circumstances, you can substantially increase your success at the game by using some of the following strategies in your game.


One of the best pieces of advice any backgammon professional can give you is to study your opponent's game plan. Try and learn as much information as you can on his strengths and weaknesses. Keeping note of how he performs can help you to recognize his habits. Does he have an aggressive or defensive backgammon strategy? Is he confident to bet large sums of money on his game? How does he use the backgammon board to his advantage and which common escape routes does he use to deflect your game plan? The answers to these questions can help you pre-empt your opponent's next move and will reduce his chances of winning.


Now we'll take a look at some specific backgammon strategies to help you improve your game. If you want to prevent your opponent from transporting his checkers safely to his home board, you can adopt the ?Priming? strategy. To do this, you erect a wall of checkers covering at least six points on the board. If you want to be extra aggressive, try blocking your home board as soon as you can which will prevent your opponent from reintroducing checkers to the board.


If your opponent is in a more favorable position than you are, you may be able to distract him from his game plan by applying the ?Backgame? and ?Holding? strategies. The first relates to the construction of two or more anchors in your opponent's home board. The latter involves attempting to hit your opponent's checkers as he brings them toward his home board. This strategy can often force a confident player into defensive mode and give you valuable time to catch up to him.


Lastly, if it appears that you are in the strongest position to win the backgammon game, why not try the ?Running? strategy? This is simply moving your checkers as fast as you can around the board while keeping a wary eye out for your opponent's traps. A useful tip if you are ?Running? is to keep your checkers in pairs to avoid hits.


If you follow this advice, you can increase the enjoyment you get when you play backgammon, as well as increase your success at backgammon gambling.














Article Tags: backgammon, board, game











Friday, April 24, 2009

Launching Your Career Into The World: Just Start Dancing And The Band Will Find You




 



Launching Your Career Into The World: Just Start Dancing And The Band Will Find YouSubmitted By: Tama J. Kieves  
















T he following is a book excerpt from THIS TIME I DANCE! Creating the Work You Love (How One Harvard Lawyer Left It All to Have It All!) by Tama J. Kieves (www.ThisTimeIDance.com) reprinted by permission of the author.


I don?t know a better way to march our dreams into the world other than to just march our dreams into the world. You could wait for the world to invite you to the banquet and the ball. Or you could just show up in your red dress and your headdress ready to boogie. I think the red dress is in order. The universe has invited us all to thrive in our lives and no one and nothing is ever holding us back.


I know so many creative soul friends who cloister their abilities like pearls in oyster shells beneath the sea, praying, hoping, sinking, aching and waiting, waiting, waiting. They wait for their chance like some kind of leprechaun to appear in the tall grasses with an embossed invitation from the queen. You are the queen. And it?s not chance that creates our chances.


We have enough opportunities to share, showcase, and refine our talents right in the here and now. Belt out your song over the baked beans at the company picnic now, paint postcards to your friends, practice telling your stories at the Jewish nursing home where somebody?s mother sleeps in loneliness for most of the day, interview a fascinating person for your community newspaper, or design a Web site for a firecracker organization you believe in. Tiny actions taken with huge-heartedness awaken big breaks and breakthroughs. Some of the richest opportunities come in the plainest of circumstances.


Fling those precious pearls like dandelion seeds to the breeze. Let life get wind of you. Sharing your gifts invigorates and promotes them. Talents intensify with use. Meanwhile, guarding your gifts keeps them in the dark where they do not grow or glow. Waiting until ?the right time? usually means waiting in your sea cave until you have achieved artistic perfection in this lifetime? which you will never do; and this can make it tricky to attract a client?le. There is a time to go inward. But then comes the time to no longer hide your love.


Alice, a former nurse and budding photographer, says she realized one day that the National Geographic wasn't going to ship her off on safari until she logged some mileage on her own khakis and camera. So she assigned herself an expedition, shooting cactus flowers in the dawn of a California desert. She bought an airline ticket, a dozen rolls of film, and a journal with a sunrise on the cover. Later, she titled and matted and framed the prints as though they were destined for gallery walls. She labeled them with her biography and vision statement, and distributed them as Christmas presents to family, friends, and some acquaintances. Alice presented her art as art instead of as an apologetic hobby she?d stuffed in her closet and hid from the world?s awaiting embrace.


Months later, an assistant to a travel magazine editor studied a photograph she liked in the bathroom of her hairdresser?s house at a New Year's Eve party. Three months later, the editor of the magazine gave Alice an assignment and a reason to believe in a destiny filled with sunrises. ?Did you ever observe to whom the accidents happen? Chance favors only the prepared mind,? noted scientist Louis Pasteur.


Years ago, when I decided to start creativity coaching, I sweet-talked a few friends, even begged and bribed some, to sit with me on my seen-better-days, beige couch and let me work my seedling magic on them. I just couldn?t wait to help creative people honor their inspired dreams. Yet throughout each session, I flourished when our work together unlocked a hidden wonder. My experimentation matured into expertise and even more enthusiasm for my work. Later, these ?clients? became walking advertisements for me that attracted real, non-bribed business. I started an entrepreneurial momentum by starting in an innocent moment.


So can you. Start somewhere, anywhere, and the magnetism of heartfelt action will take you to the next destination. Just hop on the train. Our world needs your inklings and original abilities, your caring hands, and customized pipeline to the infinite and sublime. There are whispers and pleas in the air calling your name. Please don?t hold yourself back any longer, waiting in isolation for your invitation. The hours that you ?give away? will give you back golden soul feathers in your cap, hands-on training, a spiral notebook of contacts, fire in the belly, smoke signals in the heart, and friends in the field. You just can?t beat that rate of exchange.


So gorge yourself on experience. Experience is power. Experience is exposure. Experience leads to experience which leads to expertise and glowing auras. And, boy, when you?re talking glowing auras, there?s no telling what you?ll attract after that.


It?s easier to assume your place in the world than you think.


Opportunity always rushes to experience. And we can give ourselves experience at any moment?by giving of our gifts.











About the Author:

Tama J. Kieves, an honors graduate of Harvard Law School, left her law practice with a large corporate law firm to write and to embolden others to live and breathe their most meaningful self-expression. She is a sought-after speaker, leading visionary career coach and best-selling author of THIS TIME I DANCE! Creating the Work You Love/How One Harvard Lawyer Left It All to Have It All! (Tarcher/Penguin) She is also on the faculty of Omega Institute and the Kripalu Health Center and teaches at Canyon Ranch, the six star spa. Learn more about Tama?s workshops, coaching, monthly email newsletter, or download her Free Report on Finding Your Calling Now at http://www.AwakeningArtistry.com .




Article Tags: experience, waiting, world













Thursday, April 23, 2009

Backgammon Strategy How to Play and Win


While backgammon may look like an easy game to win, it actually takes a lot of skill and strategy. For beginners, it may resemble Checkers, as it also requires you to get your pieces off the board before the other players. However, there are many other elements needed in order to win a game of free backgammon. Luckily, with enough practice, it is entirely possible to become a great player in a small amount of time. Therefore, it is important to know how to play backgammon as well as how to strategize.


The first thing you should focus on is strategy. Playing backgammon is all about tricking your component, thus it is crucial to make sure you do this early on in the game. For instance, you could lose one of your pieces during one of your first moves. Although this may make you look weak, the opponent may get the impression that you aren't a very good player. Therefore, they will not strategize as well. Also, by losing one of your pieces early on, the competitor will actually end up having more pieces in their home board. When the game continues towards the end, the other player will have a more difficult time trying to get them back into the game.


Another great backgammon strategy that will help you win is the blocking technique. Most players agree that blocking the opponent's pieces in your own home board will be easier. This way they will have a more difficult time trying to get out of your area. Also, remembering that points 4 and 7 are also great to block other players. No matter what you choose to do, it is crucial that you hit as many pieces as you can. The only time where it would hurt you is if it will leave you open or block your move. Nevertheless, you should always visualize the move before you actually play it. This way you can see if there will be any problems when you decide to strategize.


Many players feel that strategizing does not happen overnight. It improves only after you have played backgammon hundreds of times, and almost know what each player is going to do next. In order to develop this kind of strategy, a lot of hard core backgammon players play online backgammon. Online backgammon is great for practice, as you can play with others around the world or against a computer. This is a wonderful tool to help you improve your skills, without having to beg your friends to play every minute of the day. Regardless of who you play with, it will always benefit your overall backgammon strategy. With so many backgammon resources, the opportunities are certainly endless to win.






About the Author

Wednesday, April 22, 2009

Retire In Costa Rica Baby Boomers Improve Standard Of Living Instantly

Million of baby boomers are due to retire over the next few years and many are worried about their standard of living.

Their living longer, have not saved enough, have reduced state support and soaring medical insurance. So what can they do to maintain their standard of living?

The answer lies just 3 hours from the US. They can retire to Costa Rica and not just make ends meet, but improve their standard of living and their still close to home.

This of course is not the only reason to retire to Costa Rica. Let?s look at all the reasons If you retire to Costa Rica you get a huge advantages in cost and lifestyle:

1. Cost

One of the main reasons people first want to retire to Costa Rica is the cost. Consider this fact you can spend up to 100,000 in Florida but of you retire to Costa Rica the same lifestyle costs around a 10th of that!

When you retire to Costa Rica you pay no income taxes on foreign earned income and no capital gains taxes. You also have access to world-class medical facilities and affordable medical plans.

Property is up to 70% cheaper and property tax is just 0.25%.

You simply get more for your money and those social security checks go a lot further when you retire to Costa Rica.

2. You feel at home

This is another major reason that people retire to Costa Rica. You feel at home because its only 3 hours by direct flight and the people are friendly but there is also a huge ex pat population of Americans, Canadians and Europeans.

This means you are surrounded by epats you know, who have created a culture that is familiar.

Some people like to retire alone and blend in with the local culture others don?t. When you retire to Costa Rica you can choose which you want to do.

3. Entertainment and relaxation

You have it all in Costa Rica its one of the top adventure tourism destinations in the world. You can choose from stunning beaches, rainforest, rolling hills, volcanoes and the Pacific and Caribbean.

It?s beautiful, but unlike many other retirement destinations it has good infrastructure and great entertainment and nightlife.

These are just some of the advantages you get when you retire to Costa Rica but there are many more in this beautiful and crime free paradise country.

If you have ever thought about retiring abroad but not got round to it then Costa Rica is a good place to start. Its close home and you will feel at home, when you retire to Costa Rica. You will also be able to enjoy a lifestyle you can only dream about now.

Consider the facts and you will see why more and more baby boomers are heading south.

More FREE info

For more free info on living and retiring and how to invest in property in Costa Rica visit our website for news, videos and your free guide at http://www.costaricalandlots.com.

Tuesday, April 21, 2009

Cheap Backpacks

Cheap backpacks can be made, but I don't recommend it. Unless you are extremely skilled at sewing, it isn't likely to come out like you want. Also, even if you are an expert, it will probably take less of your time to pick up an extra day at work and buy a pack with the earnings.

On the other hand, if you have an old backpack frame, you can make a cheap backpack with it. Remove the old pack, and tie a plain nylon duffel bag to it firmly, with the zipper facing out. Small bungee cords will work for attaching it too. I did this using an old aluminum frame that still had straps and a waist belt, and for the cost of a $15 duffel bag, I had an external-frame backpack that not only held a lot, but weighed just two pounds.

Buying Cheap Backpacks

There are several ways to buy cheap backpacks. The most obvious is to just wait for a good sale. A quicker way is to shop for a used pack online. Try Ebay.com, or go to a backpacking or other outdoor forum that allows people to sell their gear, like whiteblaze.net. The forums are nice, because you can easily ask questions about the pack.

You can also buy used backpacks cheap at rummage sales. Watch the ads for any mention of outdoor gear, and call to see if they have a backpack you might want. You may be able to buy it before the sale starts. Otherwise, start shopping early, and negotiate a bit. I recently sold a beautiful Kelty frame-pack for $15 at a garage sale.

Thrift stores sometimes have cheap backpacks. More often they have day packs, but you never know. I have seen big old frame packs that were rough at thrift shops, and it occurred to me that for a few dollars I could just toss the pack, and use the frame with a duffel bag, as described above.

Another way to keep the cost down is to go light. The lightweight backpacks, unlike other lightweight gear, are always cheaper than the big packs. If you have been thinking about lightening the load, you can save money too. Ultralight backpacks are usually under two pounds and frame-less. You'll probably use a sleeping pad as a frame of sorts. The good news is that they are often on sale for under $100.

Go-Lite has several packs that are near $100, and sometimes on sale for less than that. The list price on the Granite Gear Virga Ultra Light Packer may still be under $100, and I have seen it on sale for under $80. It also weighs only 21 ounces, a bonus for me, as I like the idea of light AND cheap backpacks.


About the Author: Steve Gillman is a long-time backpacker, and advocate of lightweight backpacking. His tips, photos, gear recommendations, and a free book can be found at http://www.The-Ultralight-Site.com


Monday, April 20, 2009

An Introduction To Dog Car Seat Covers

This article is An Introduction To Dog Car Seat Covers.







Dog car seat covers are used to protect seats of the car from dog-related problems. Dogs are known to shed their hair, drip their saliva and bring their muddy paws into cars. All of these are reasons enough to permanently soil car seats. Hence, dog car seat covers are used as protection for the seats.

Car seat covers designed for dogs are usually made for the rear seats. They are better suited to vehicles such as SUVs. These covers do not drape over the seat completely; rather they are like mats over the seats over which the dogs can rest. Some covers can also fit over the seats; whether they are bucket or bench seats. They can be attached to the seats by means of straps, strings, Velcro fasteners or zippers. They may also have elastic straps with hooks with which to secure the pet onto the car seat cover.

Dog car seat covers are available in a wide variety of materials. Some popular materials are synthetic vinyl, neoprene, rubber, etc. The material should provide a grip to the dog so as to prevent its slipping down. Moreover, the material should also be stain-resistant and easy to wash. These dog car seat covers can be machine washed and hang dried quite conveniently. It is important to wash dog car seat covers regularly and also fumigate them to secure hygiene of both the dog and the people traveling in the vehicle. Dog car seat covers have a firm grip, but an inner foam lining which provides more comfort to the dog as it travels.

Some dog aficionados custom-design their car seat covers for their pet dogs. By doing so, they get a choice of material and patterns. Some manufacturers design car seat covers in a standard size that can fit all vehicles. The price of a standard dog car seat cover is $30 or more; custom-designed covers may cost much more.








ABOUT THE AUTHOR


Infant Car Seat Covers provides detailed information on Car Seat Covers, Infant Car Seat Covers, Custom Car Seat Covers, Dog Car Seat Covers and more. Infant Car Seat Covers is affiliated with Dog Car Seats.


Sunday, April 19, 2009

Do You Really Know Your Backgammon Game Rules?


Backgammon is a great challenge between two players. It is a fun and exciting way to pass the time, whether it is at home or on the go. No matter where you play, backgammon rules stay the same. There are directions included with any game that describe how to play and a complete guide with backgammon rules.


The first thing is backgammon is to set up the board. You sit opposite of your opponent on both sides of the board. You both will roll the dice to determine who goes first. The player who rolls the higher number will go first and move their game pieces in accordance to that number. You both may even decide that the lowest number goes first.


In the game of backgammon, you move in a counterclockwise position. You can only move your game pieces to open spaces on the board. You are not allowed to move onto points (or spaces) with two or more of the opponent's checkers. You can only move your pieces or checkers in pairs.


The player with all of their games pieces off the home board is declared the winner.


There are some things to remember when you play backgammon. Rolls of the dice do not count if they land on a checker or if they fall off the board or on their side. If both of the dice land with the same number facing up on any roll after the first, the player gets doubles and gets to move two times the roll. If you are lucky enough to get two sixes, that means that you will get four moves of six. Wouldn't that be great?


You are allowed to move any of the checkers or game pieces that you want to. However, remember that the object of the game is to get all of the pieces into the home board.


This game is easy to learn and fun to play. There are a lot of rules to the game, so it may be a wise idea to keep the directions and rules for the game nearby so that if you get stuck, you can get the answers you are looking for. Getting the proper answers makes for a rewarding and fun game.


There are certain rules that do change for backgammon tournaments and challenges. These rules are set by and agreed upon by the people and player in charge of the tournament.


Playing online is the same as playing at home with the board. The rules and strategies are generally the same. The only real difference here is that online you may be playing for money.


? backgammonholygrail.com
About the Author

Saturday, April 18, 2009

How Much Is Your Home Worth? Ask Your San Diego Realtor!

As you prepare to sell your home, the main question on your mind is ?How much is my home worth?? Your San Diego realtor can assist you much better than the web sites on the Internet with their ?home worth? calculators or even the price being asked by a close neighbor.

Your realtor takes many factors into consideration when determining the asking price for a home. Here are the major factors your realtor will evaluate:

?Type of Residence. The type of home you are selling will make a difference in the pricing. Is it a primary residence, secondary, vacation home, or rental? How it has been used in the past could impact how your realtor markets your property or how potential buyers will use it.

?Type of Property. The value will differ, depending if the property is a single family home, multiple family home, townhouse, condominium, manufactured or modular home, or a mobile home.

?Size of the Property. Is the size of the land a city lot, a ? acre, full acre, or several acres? The more land, the higher the value. The position of the property makes a difference in the value. For example, a corner lot can bring in a higher selling price than one in the middle of a block.

?Square Footage. The approximate square footage of your home is factored in; otherwise, how much living space is there?

?Overall Condition. Your realtor will assess the condition of your home and property, which will greatly affect your selling price. The realtor also will make improvement suggestions that can increase the value of your property.

?Architectural Style. If you home was built in a style that is in great demand, the selling price will be higher than if built in an outdated style that is not in demand.

?How Old Is the Home? How long ago your home was built can affect its value.

?The Numbers. How many fireplaces are there? The number of bedrooms and bathrooms (including half baths) also can raise or lower the home?s value.

?Parking Facilities. Garage, carport, off street parking, parking on the street, or a combination of these is an essential feature for buyers. Your realtor will evaluate how many cars will the available parking accommodate?

?Type of Heating and Cooling. How is the home heated ? electric, natural gas, oil or propane? What type of air conditioning does it have? What is the quality and condition of the units, how old are they, and what type of maintenance has been done in the past?

?Basement. Whether there is only a crawl space versus a basement affects your selling price. Other features your realtor will evaluate is a partial versus a full basement, and whether it is unfinished, finished or partially finished.

?Other Home Features. Some other features your realtor will look for are a den or study, the amount of closet and storage space, the amount of kitchen cabinet and pantry space, and whether there is a pool, a guest house, and tennis court.

It is important to note that your realtor is viewing your home objectively. He or she is not tied up in the emotional attachments you have to your home, but rather looking at it from the perspective of the potential buyer. Additionally, some of those pricey improvements you made may not translate to a higher selling price. Many such improvement costs are rarely recouped from the sell of the home.

The Housing Market

After assessing your property, your realtor will take a closer look at your neighborhood and what its location has to offer. For instance, if there has been any bad publicity in your area, the value of your home may drop, especially if the publicity concerns a serious crime. On the other hand, if your home is located near some truly great schools with high scholastic achievements ratings, your home value could improve, as well as give you a great marketing edge.

Lastly, your realtor will assess the current housing market for your area. It used to be that you could locate a similar home in your neighborhood that had sold recently, add a ten percent increase, and you had your selling price. Home prices in the San Diego area, as well as in 75 other metro areas in the nation, have skyrocketed and are now on a slow decline, which makes for a volatile housing market. A poorly priced home means it could sit on the market overly long, ensuring you will have a difficult time selling it at all. Thus, it is even more important at this time to use an experienced realtor.

Ultimately, the buyer determines the actual selling price; however, an experienced realtor can ensure that you get the best price for your property and the fastest sale possible.

John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com

Friday, April 17, 2009

Heart Rate Monitor Strapless Review

More and more people are experimenting with small, palm-sized devices as part of their ordinary workout routines: heart rate monitors. These devices count calories, record heart rate, and can help anyone design a fat-burning routine that will produce results. Of all the high-tech features that heart rate monitors now have, there is one that?s changing the face of physical activity: the strapless.

Strapless heart rate monitors are the latest in heart rate monitor technology. While most designs are made to look like wristwatches, strapless designs look like small watch faces. The round, smaller-than-your-hand design is perfect for anyone who wants to use a heart rate monitor but doesn?t want to wear it all the time, or doesn?t want to wear it on their wrist.

Almost every company that makes heart rate monitors is now offering sleek, strapless designs that can clip on to your workout gear or come with a detachable strap that fits easily over your clothes during a workout. Some of these strapless models come with soft, stretchy chest straps for use while you?re exercising, so you can take it back off as soon as you?re done. Want to use your heart rate monitor the best possible way? Place it against your heart, with one of the many strapless heart rate monitors available on the market.

Small, easy-to-use strapless heart rate monitors can revolutionize your workout, helping you design a routine that will let you achieve those slim, sleek results that every body wants. Heart rate monitors help you find your target heart rate and help you find out if you?re even reaching it during your workout routine, much less maintaining your target rate. If you aren?t getting there, your body won?t get there when it comes to your physical fitness and fat-free appearance. Strapless heart rate monitors are perfect for fitness training. All you have to do is set it to record, go through your routine, and then look over the results so you can tailor your routine and hone your workout time.

Want to get the most out of your exercise routine? Want to reach your target heart rate, and stay there? Make use of calorie counters to see how much fat you?re burning and how hard you?re working, and even enjoy the time functions on your heart rate monitor so you know how long you?re working out and how long you?re staying on target. Strapless heart rate monitors come in a wide variety of styles and colors, so you can even find out that matches your favorite workout outfit. Want to get the most out of your body? Use a strapless heart rate monitor, and use your workout time to its best advantage.

Look online to find the strapless heart rate monitor that best suit your activity needs and fashion sense. The Internet offers a huge selection of strapless heart rate monitors, some of which aren?t even available in physical stores. Go strapless, and go for that perfect bod.

Looking for Top Brand Heart Rate Monitors at Below Retail Prices?

FITZZ.COM - Personal Health & Sports Products Home Fitness Exercise Equipment Online


Thursday, April 16, 2009

Learn Proper Backgammon Board Setup


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


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


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


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


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


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


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


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


? backgammonholygrail.com
About the Author

Wednesday, April 15, 2009

Review Of Motorola i850 (Camera Phone)


Model Motorola i850 (Camera Phone)
Carrier Nextel
Price $0.00
Final Price FREE*
Product Features The Motorola i850 takes push-to-talk to a new level. With support for both Nextel Direct Connect Walkie-talkie service, as well as Nextel's new Group Connect Services, this phone helps you get more done. Also, this phone lets you Push-to-Send a contact or your own info to others so they can get more done. Add in a nice 2.2 color display, a digital camera that takes print-quality pictures, and a quality speakerphone, and you've got quite a phone in your hands.
Advanced Features


GPS Services Support - Yes, Telenav 2.3 Pre-loaded for Driving Directions or Local Points of Interest
Data Capable / Use This Phone As A Modem - Yes, With Software Sold Separately
PC Synchronization - Yes, With Software Sold Separately
Digital Camera - Yes, VGA-quality (640 x 480 Resolution Max)
Battery Life


Battery Type - LiIon
Talk Time - Up To 245 Minutes
Standby Time - Up to 70 Hours
Compatibility Features


Device Supports Voice Plans - Yes
Available For Purchase Without Service Plan - Yes
Device Supports TeleNav 10 Service - Device Supports TeleNav 10 Service
Device Supports Group Walkie-Talkie Services - Yes


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Core Features


Color Main Display - Yes, 176 x 200 Pixels, Over 65,000 Colors, TFT
External Display - Yes, 96 x 32 Pixels, Monochrome Blue, LCD
Speakerphone - Yes
Push-to-Talk - Yes, Supports Nextel Direct Connect, Plus Group Connect and Push-to-Send My Contacts or My Info
Voice-activated Dialing - Yes
Voice Memo - Yes
Calculator - Yes
Calendar - Yes
Vibrate - Yes
Phonebook Capacity - 600 Entries
Multiple Numbers Per Name - Yes, 7 Numbers Plus Email Address
Highlights


External Display Shows Caller ID, Battery Life and More
Large 2.2 Color Display Shows Over 65,000 Colors
Nextel Direct Connect Walkie-talkie And Group Connect Services Help You Get It Done
Push-to-Send A Contact or Push-to-Send My Info To Co-workers
Quality Speakerphone
Send and Receive Picture and Text Messages
VGA-quality Digital Camera Takes Print-quality Photos
Voice Memo Reminders
Messaging Features


Mobile Web Browsing - Yes, Openwave 7 Browser Built-in
Multimedia Messaging - Yes
Text Messaging (SMS) - Yes, 2-way Via SMS
Personalization and Fun Features


Polyphonic Ringtones - Yes
MP3 Ringtones - Yes
Ringer Profiles - Yes
Picture Caller ID - Yes
Multiple Languages - Yes
Languages Supported - English, French, Spanish, Portuguese
Games - Yes, Downloadable
Customizable Graphics - Yes
Technical Specifications


Application Platform - Java
Network Compatibility - iDEN 800
Ringtone Types Supported - MIDI, WAV, MP3
Predictive Text Entry - Yes, T9
Dimensions - 3.46 in x 1.85 in x 1.14 in
Weight - 4.32 oz
What's In The Box With The Phone


Additional Items Included - Battery, Wall Charger, User Guide, Carry Holster With Swivel Clip


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About the Author

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Tuesday, April 14, 2009

Buying Equipment For A Home Gym: What You Should Know First

So you?ve gone through all the options and decided that a home gym is right for you. After all it?s convenient, private and can save you money by not paying for a gym membership.

You know what?s coming next. You have to plunk down 200, 500, maybe even 2,000 dollars to get the system that you want. And with all the choices out there how do you really know what you want anyway?

There are two main types of machines on the market, cardiovascular and strength training. Your body will look very different after you?ve shed the pounds depending on which exercise machine you choose.

Cardiovascular: These machines get your heart pumping quickly and increase your overall stamina. They include treadmills, ellipticals, exercise bikes, rowing exercise machines, steppers and skiers. Once you get your heart rate going on one of these machines you?ll start shedding calories fast. And most come with a calorie tracker so you can see when you?ve burned off that hamburger you felt so guilty about eating.

Cardio machines often only focus on a few muscles, meaning that your legs might get toned but you won?t get a six-pack or strengthen your arm muscles if all you do is use an elliptical. If you want a toned look all over, you?ll need to add other exercises like sit-ups and push-ups to your routine.

When shopping for a safe machine make sure it is sturdy and quiet when in use. Some cheaper brands tend to be wobbly which can be dangerous and distract you from getting the most out of your workout. An anti static floor mat may also help the stability of your machine by creating a hard surface for it to stand on. Compare prices to the quality of a brand you like. It may be worth it to get the upgrade because it will last longer.

You?ll also want the control panel to have quick response time because when you?ve reached your limit on a treadmill you need to stop immediately. Some machines keep going until a few seconds after you press the button.

To avoid having problems order from an online retailer that has a good return policy. Check to see how thick the base legs are. This is something you can find easily on Pro Form treadmills or NordicTrack Ellipticals.

Strength Training: This is what you want if you?re looking for the big bulk. Pumping weights is the fastest way to get larger muscles without using harmful drugs. You can also tone your muscles with strength training by lifting smaller amounts.

If you plan to work out alone you?ll need to find a machine that has a built in spotter or uses resistance in place of weights. If not you may find yourself at a stalemate with the 100 pounds above your head. Talk about an awkward situation!

Just like cardiovascular workouts, you won?t get big arm muscles if all you buy is an AB CoreMaster. So make sure you know what muscles a particular machine targets before buying. You may find that it?s worth it to spend a little extra money to get an all-in-one gym that targets most major muscle groups than a machine that focuses on just a few.

And don?t be surprised if you don?t lose any weight after strength training for a long period of time. Since muscle weighs more than fat you may even find that you?ve gained a few pounds.

Take the time to analyze your goals. What areas of your body are you concerned about and how do you envision yourself looking at its best? You may decide that what you need is a combination of cardiovascular exercise from a machine like the Pro Form treadmill and strength training from a set of weights. There are a few machines on the market, like the Cardio Cruiser by Jake that do both in one. But no matter what you decide you?ll be happier with your purchase and the results you get if you base it on your goals.


About the Author:

Karen Gates offers free information on hundreds of different weight loss methods. She also provides honest and unbiased dieting and weight loss product reviews. Go to Best Weight Loss Program also found at http://www.bestweightprograms.com




Monday, April 13, 2009

Real Estate Lead Generators Business Building Ideas Are All Around You

When I first got licensed to sell real estate I was about as clueless as they come, but what I lacked in knowledge and ability I made up for in desire to learn and willingness to learn. So, I went to school after finishing real estate school.

No, not a school with a sit down classroom, but school in the sense that I started asking questions of veteran agents and watching what they did and said. I turned off my mouth after a while and opened up my eyes and ears and learned more doing that than I did while getting licensed.

For example, I learned that Real Estate Lead Generators abound, and everyday I was presented with opportunities that had I not been tuned in to pay attention to would have gone overlooked.

Here's a case in point with respect to business cards. I don't remember exactly how many business cards came with my first order, but I vaguely remember it being 500-1,000 cards. A year later I still had most of them. It was the craziest thing that I could have done!

Think about it! Instead of making it a point to give them away as fast as I could I was actually rationing them out like I didn't want to unload them.

Don't make that mistake! Business cards are great real estate lead generators and should be given out as freely as you would a glass of water to a thirsty person. And that's just what real estate prospects are. Thirsty to make real estate transactions with real estate agents sharp enough to recognize the opportunities.

Admittedly, I wasn't too sharp back then, but as I got smarter I realized the value of handing 3-4 business cards to everybody I came in contact with-and I mean everybody; my kids teachers, my doctor, your doctor, the school crossing card, my mechanic, dentist, etc.

And then there were the scores of counter tops that I encountered everyday. Grocery store counters, dry laundry counters, fast food pickup counters, counters where I paid the cable bill, bought computer stuff, book counters, etc.

Oh, and less I forget I must have passed by hundreds of billboards without placing one business card, real estate flyer or anything else on it. My stomach still knots up when I think of all the money those wasted opportunities cost me.

But like I said, I'm a lot smarter now (okay, so maybe I'm just older) and can pass on some pearls of wisdom to you so that you can avoid some of the mistakes I made. For example, some other real estate generating ideas include:

Real Estate Leads from Contractor and Home Builder Shows.

Real Estate Contractor and Home Building shows are becoming extremely popular among folks who are looking to build their home or are considering having one custom-built themselves. Getting Real Estate Leads from them is a great a strategy that's easy to implement.

Real Estate Closing Gifts; Small Gifts That Lead To More Referrals and Sales.

Many Real Estate Agents think of real estate closing gifts as something that should be given to the home buyer by his or her close family and friends. The gift serves as an accolade for the person's accomplishment. You can design them yourself if you're the creative type, or simply go out and buy one from your local shopping mall.

Free Website Content; Using Free Content To Generate Leads.

Everything you need to know to build a realtor web site and generate leads is available on the Internet, much of it free to little cost-including website content! In fact, some of the best real estate information I've read has been free, and although locating quality free content for publication and turning them into HTML to publish on your web site each week involves a great deal of time and effort it can be worth the effort.

I could go on and on, but it all comes back to the notion that real estate lead generating ideas are around us all day, everyday. If you pay attention to them you can work them to your advantage, but if you impose your will with them you can dominate your market like no other agent in your community.

Visit Real Estate Lead Generators for more information about Real Estate Lead Generators.

Sunday, April 12, 2009

Midlife Courage: Transitioning Uncertainty with a Spirit of Adventure

In our fast-paced, multitasking lifestyles, where most of us over-40s struggle to get from one task to the next, a concept like courage seems a bit out of place. Courage in today?s society might be an attribute best left to our growing passive experiences of movies, DVD rentals, reality TV, or an exciting novel. What need is there for courage in us Baby Boomers who have been dubbed ?the privileged generation?? What are the costs of keeping courage as a strictly passive activity? What are ways to activate courage?

What is courage?

First of all, what is courage? Courage is the ability to confront fear, pain, danger and uncertainty. Courage is defined differently for everyone. Some might see courage as lacking fear in a situation that normally would trigger it. Some might even consider a courageous act to be reckless. At the heart of courage is the ability to confront. Confrontation is something most of us shy away from, and yet fear, pain and uncertainty are a part of life for people over 40.

?At midlife, the part of ourselves that we have known, the caterpillar, is in essence disintegrating. We are stepping into the abyss without a clue as to where we will emerge from it. We are leaving behind what we have known ourselves to be and all the safe and predictable containers of that reality,? writes Kathleen Brehony in Awakening at Midlife. How frightening, uncertain, and painful is that?

My own story is an example of stepping into the abyss. At the age of 47, I was a long-time single woman with my children off creating their own lives. I had a middle-class life with a nice house, a great but stressful job, and a 401K. I did not, however, know the woman who looked back at me in the mirror.

I could have made several choices. The first would have been to keep working hard and ignore the inner rumbling, and for a while, I did just that. I kept doing what I was doing. Then a friend of mine was diagnosed with terminal cancer and I was overcome with emotion that was very personal. I was concerned for her; but I was equally concerned with ME. What if that were me? What about my unlived life?

I was scared. I was in pain. I did not like the place where I was, feeling uncertain. I call this ?walking through the valley.? I needed to go deep within myself for the courage to confront the fear, uncertainty and pain. I found my courage through discovering my own spirit of adventure.

The spirit of adventure

Jeff Saltz in The Way of Adventure says, ?Adventure is any intentional experience that substantially alters our perspective long enough to see things we have never seen before?to see familiar things in ways we have never seen them. The most exotic destination of all is the one that fulfills all your yearnings?found within your own adventurous spirit?after you?ve put yourself to the test and found hidden reserves of creativity, resourcefulness, and perseverance.?

Sounds exciting, eh? Perhaps in theory?but how do we really do this?

Take a leap of faith. If you always do what you?ve always done, you get the same outcomes. Deep within you, you know what you want to do. It?s the action that makes the difference. Joseph Campbell writes in The Hero with a Thousand Faces, ?A hero ventures from the world of the common day into a region of supernatural wonder.?

Connie was a 51-year-old divorced mother of two grown children. She had worked for years teaching elementary school because it was a good income and gave her summers and school holidays off. She had to admit, however, that her heart had gone from teaching for the previous few years. Bureaucracy and changes in the education culture had driven Connie to dread weekdays and long for weekends. She worked harder at trying to ?love her work,? doing gratitude journaling and starting a teacher?s support group. The problem was, she felt worse, not better, from her efforts.

That winter, Connie got a cold that turned to pneumonia and required bed rest for several days. During that time, she started journaling her thoughts, and came to a realization that her job was making her sick. She recognized that she no longer ?needed? the things teaching once brought to her. She began to focus instead on what she did need.

Connie wanted to write and express herself. At the end of school term, she put in her notice and spent the summer in a writing course. She then went to work as a librarian four days a week and began to do freelance writing on a part-time basis. Today, four short years later, Nancy has ongoing jobs as a freelance writer, and has co-written and published a book on helping children to read through common parent-child activities.

Where is your leap of faith? What needs to change to allow barriers to lift?

Appreciate Adversity. Buddhists say that we learn our life lessons by way of our life changes. Life events cause us to change in order to deal with them. By midlife, we can look back at our journey and get an appreciation for just how we have had to adapt.

Janine, a 47-year-old gay woman, had battled juvenile arthritis since the age of 15. She prided herself on embracing yoga into daily life, practicing good nutrition, and having a good attitude. However, with the discovery of a lump in her breast and diagnosis of breast cancer, she became angry. ?Why me?? she ranted on to Jill, her partner of 15 years. This ?why me?? brought up a flood of angry emotions unresolved from childhood. Janine began to focus on how ?different? she had always been because of the arthritis, and how unfair her life seemed to be.

After some months of chemotherapy, Janine started to process her anger and, through a coaching relationship, began to focus on the gifts of being ?different.? She realized that the resilience she developed as a child to deal with being different, e.g., not being able to partake in some sports and having to take rest breaks after school, allowed her the courage to ?come out? as a gay women in her early 20s. Janine began to see how she could have made other choices that might not have been so favorable to her now. She began to see the power of her current situation. With renewed energy, she volunteered at the Arthritis Foundation, focusing on Youth Support.

What have been the adversities in your life? How can they be reframed for your benefit? Can you see the choices you have made on your journey that have allowed you to arrive where you are right now? How can this new self-knowledge help you to take your next step?

Change Your Environment. As an occupational therapist I look at a person?s experience as being powerfully affected by both inner and outer environments. Same person plus different environment equals different outcomes. We often forget this powerful variable and get into a ?rut? due to years of doing the same thing. Midlife is a time to shake ourselves up a bit.

Sarah was a 60-year-old married woman living in upstate New York, with four grown daughters and ten grandchildren. Sarah was the family matriarch in this strong Jewish family, and had worked for years as a social worker in an agency that supported women who were victims of domestic violence. After her mother?s death ten years ago, Sarah had looked after a very demanding father who lived in Florida, as well as her husband?s mother, a widow, aged 85 and still living on her own.

Sarah, after years of wanting to travel to New Zealand and being able to afford it, but denying herself the pleasure due to guilt for all the starving children in the world, finally came to do a women-only inner/outer six-day adventure on New Zealand?s South Island. She had not had a vacation in 10 years, instead taking her vacation times to babysit grandchildren, or visit her father, or catch up on home management tasks.

This adventure took Sarah away from the demanding voices of her children, grandchildren, in-laws, father and others. Her adventure dictated that she had no computer, clock, schedule, or television. Hiking for 4-6 hours a day with six other women, Sarah was strongly affected by the outer environment of nature.

Daily journaling, group ceremony and facilitation gave her insights to share with other women, and Sarah started to question her beliefs. For the first time in her life, she began to see herself as a woman without attachments, a woman with a mission of her own. Sarah began to see how she was ?controlling? her own life by not letting her daughters be independent of her ongoing guidance. She also saw that there were many areas in her father?s and mother-in-law?s lives where she could set boundaries. Most significantly, the achievement of backpacking the journey on her own and facing her thoughts and beliefs gave her the courage to ?face anything!?

Sarah went home to re-create relationships with her entire family. While some of them welcomed her changes, others were scared and slower to adapt. Sarah was ready for this. She had gained courage to ride out any familial storm through having changed her inner/outer environment. Walks on the weekend and daily journaling kept her courage well-fueled.

How long has it been since you purposefully changed your environment for any length of time? What strengths would you discover if you challenged yourself to do things you?ve never done before?

Midlife is a time of transformation. To deny this is to deny ourselves an opportunity for growth and discovery. As with any transition, a middle ground exists, a valley that we all must walk through. Discovering our own spirit of adventure affords us the courage that allows us to cross the valley with more certainty, less pain, and the ability to look back over our shoulder and say, ?If I can do that, what else can I do??

Jennifer Wright, ?Mid-Life Spirit of Adventure Guide for Women? coaches women globally in over-40 transitions of mid-crisis, pre-retirement, empty nest, career change, and workplace adaptations to find adventure in life overwhelm. Trained as an occupational therapist and later as a life coach, Jenn combines the physical, emotional and spiritual elements in her coaching for women. Featured in TIME magazine?s Female Midlife Crisis 2006 edition, 60 Minutes, she is now waiting a PEOPLE magazine feature. Visit her website at http://www.midlifeadventure.com and sign up for her free monthly adventure newsletter and receive her article Top Ten Ways for Successful Midlife Transition.


Saturday, April 11, 2009

Everything You Need To Know About Tenant Occupied Properties

Investor update on where you stand with tenant occupied properties and how they affect your investment. First things first, the law. The Residential Tenancy act applies to residential tenancies in British Columbia. It contains exceptions for tenancies such as not for profit housing cooperatives, accommodation provided to students or employees and living accommodations occupied as vacation or travel accommodations. However, the residential tenancy act should not be used for commercial properties as it dos not apply. Also tenancy?s occupied by a mobile home park are regulated by the Manufactured home park tenancy act and not the residential tenancy act.

Here?s what you need to know:

Written tenancy agreements have been in effect since January 1st, 2004. Every agreement between an landlord and tenant must be in writing. The act requires that the tenancy agreement set out the standard terms which are included as a schedule to the Residential Tenancy Regulation. Remember to use legal names of the landlord and the tenant with the address and rental unit, date of tenancy agreement and all agreed terms included into the contract. You could use your own contract. However, if you phone a property manager in the British Columbia or Calgary area, you could obtain a contract from one of them. They can also offer several advantages to managing your property. Re-Keying Locks is a job that must be preformed by the landlord, if requested by the tenant. The landlord MUST re-key the locks as to prevent the previous tenant to enter into the rental unit. The cost of the re-keying or altering the lock must be paid by the landlord and under no circumstance be paid by the tenant in British Columbia Rentals or Alberta Rentals.

A Landlord may also require an additional deposit if the tenant wishes to have a pet. This deposit permits the tenant to keep the pet in the rented property. This deposit may not be greater than the equivalent of one half of one months rent.

A Landlord may also require a deposit for keys or access devices. For example: garage door openers or security keys.

A landlord can increase the rent annually after giving three months notice. Rent may be increased by a percentage equal to the consumer price index plus 2%. This dispute can be made by a tenant in arbitration. However, if the landlord is within the permitable increase then the landlord is within his rights.

Landlord may enter the property but must provide 24 hours notice to the tenant. However, if the tenant gives permission, the landlord may enter at the time requested.

An investor or landlord is not required to have pets in his or her investment. Pets may be restricted or prohibited by a landlord. Although a landlord can require a pet deposit, the landlord cannot request more then one pet deposit. The landlord is only allotted one pet deposit which should cover all pets owned by the tenant. Also a tenant can end a tenancy agreement for illegal activity being carried out by the tenant or guest of the tenant. If this illegal activity has caused or might cause damage to the landlords property then the landlord may end the agreement. All advice given should not be relied upon in any legal manner and you should always approach your lawyer, realtor or property manager for help in these manners. They are the professionals.

Shane Toews is a Licenced Realtor who helps others to educate themselves on current real estate issues. He also provides assistance on how to locate quality homes, apartments or vacation rentals in Canada's Fraser Valley area. Visit his website RentFraserValley.com for more information on Canada's Fraser Valley Real Estate Market

Friday, April 10, 2009

Hiking Some Things To Consider When Picking A Backpack

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

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

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

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

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

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

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

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

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

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

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

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

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


Thursday, April 9, 2009

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

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



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



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



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



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



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



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



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



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



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



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



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



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



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



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



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



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

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



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





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



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



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



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



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

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



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



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



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













Wednesday, April 8, 2009

Stop Foreclosure

When a person falls upon financial hard times without their fault at several times and they are behind on mortgage payments they may need some financial help to stop foreclosure on their property. You can stay apart from foreclosure through hard work and not by sitting back and giving up frequently. You have the potential to do some things for stopping the foreclosure because nobody wants the sheriff to deliver a foreclosure notice. In any circumstances do not ignore letters or phone calls concerning your aberrant mortgage payments.

Get in touch with the lender and elucidate your situation, as they may be keen to work and know that you are annoying to make things in an exact way so offer you financial help to stop foreclosure. While discarding the property you may get debarred for aid. When you work with the lender and your financial problems are temporary, the lender might be able to help with financial help to stop foreclosure. Often this is a one time loan, bringing your mortgage payments up to date. The upside is that the monthly mortgage payments are smaller but the lender interest rates are higher.

Always be honest and upfront with the lender and they will work with you. After examining your financial position and the reason for your nonpayment, the lender could reduce the monthly payment or suspend payments temporarily. Be honest with your lender and by working with them and examining the options available as it is possible to get the financial help to stop foreclosure.

Foreclosures cost lenders money, big money, so it is in their interests to reach a workout with the borrower, either to rescue the mortgage, if this is possible, or to reduce the loss as a result of foreclosure. Don't be intimidated by the lender or his attorneys. Apprise yourself of your exact financial position. Know your rights as well as options and be honest in your statements. Maintain a written record of all communications.

Read all communications from your lender. Time is your enemy, so the earlier the potential problem is recognized by both parties, the better the chances of a resolution. If you are suffering from financial loss due to the death or loss of a spouse, illness, or unexpected increase in your outgoings, contact the lender and request a loan modification, which effectively changes the terms of the loan to lower the payments.

This is a very common process, but you will need to offer evidence about the change in your circumstances. If you feel that you are qualified for a loan modification, and your lender refuses, contact the HUD for advice. Get in touch with your lender and request forbearance if your loss of income is temporary. This means that you may get period which is granted during which your monthly payments are suspended, after which you must resume your monthly payments with a partial payment in addition towards the payments you missed.

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