Tuesday, March 31, 2009

The British Love To Buy Property Abroad But Is This Really Set To Continue?

It?s a fact that Brits love the thought of moving abroad or owning a home overseas. All the indications point towards a continuing increase in Brits buying a property abroad. According to recent surveys overseas property investment is of interest to one in three future retirees in Britain. A study by Clerical Medical Insurance Company has also found that 49 per cent of those interviewed would be interested in living somewhere within Europe.

The desire to own a home abroad.

The lure of purchasing overseas property is steadily becoming stronger for British people, with gradually higher numbers expressing an ambition to move abroad. A survey, carried out for the BBC by ICM Research, found that the majority of the 1,000 people polled said they had considered emigrating. This is consistent with a study taken in 2003, however, the number of people hoping to buy overseas property in the near future has almost doubled.

So who are these Brits

Young people were found to be the most likely to want to emigrate, with reasons such as lower prices, nicer weather and a better quality of life the most attractive factors of life in a foreign country.

Where in the world do they want to buy property abroad

Australia, Spain, Canada, New Zealand and the US were found to be the most popular areas. Lord Triesman, foreign office minister, commented: It's clear that more British people are going to live abroad. Up to 14 million Britons live overseas for at least part of the year.

Bulgaria is really getting the British excited.

With world-class ski facilities a low cost of living, Bulgaria is heading to the top as a hot touring spot. The golfing industry seems to have a lot to do with this, as well. With new golf courses scheduled to be built over the next few years, predictions are that the prices of property will be increasing, too. In 2003, the property prices in Bulgaria increased by thirty-one percent. It is stated that many investors are currently buying blind, never before having been to Bulgaria. The price of house can be as low as $7,000, however, be prepared for a fixer-upper at that price.

Overseas property hot spot Turkey.

Turkey is also coming to the lead for real estate investments. With the a simple buying process, the number of homes owned by foreigners increased by two-hundred and fourteen percent between 2003 and 2005. While it is still considered to be new in the investors market, the potential for growth is great. Even after the prices have risen over the last couple of years, the fact is, homes in Turkey are affordable and you can purchase a two to three bedroom home for as little as $35,000. With these prices, the sunny weather and magnificence of Turkey, it is no wonder it is projected to be a hotspot for 2006.

So what does the future hold

I predict that the overseas property market is set to take on a new type of buyer. This buyer is not purchasing a property as a second home or for retirement. This new overseas property buyer will be buying to live abroad. Technology and an increasing amount of companies accepting home working will enable Brits to work overseas whilst holding down a job in the UK. Official figures show that 350,000 people emigrated from the UK in 2004 ? up a third over the course of ten years.

Copyright 2006 Nicholas Marr

Nicholas Marr is CEO of Marr International a UK based property marketing company that is responsible for one of Europe's fastest growing overseas property websites at http://www.homesgofast.com.

Monday, March 30, 2009

Appreciation

I feel very appreciative of my website visitors and feel certain that they feel appreciation that they have found this FREE and informative site. However, neither of those feelings are what this little article is about. I want to reassure you that there is every reason imaginable* to feel sure that the value of your home will indeed go up.

You have surely read learned articles by so-called experts that solemnly predict that the real estate bubble is about to burst. Balderdash!! You must remember this: (no, not that famous old love song) all real estate is local. There is no doubt that some properties somewhere have sold for inflated prices. Perhaps this has even happened in your target neighborhood, but the vast majority of these overvalued pieces of real estate are located elsewhere.

If you buy a well-constructed home in a good neighborhood for a fair price, you won't need to worry about bursting bubbles. This is true because overpriced/overvalued homes located out of your area do not have any direct effect on prices/values in your locality. It bols (my wife's pronunciation of boil) down to this: if you are careful not to pay top dollar for your home, and avoid owning the most expensive home in the neighborhood, you will not lose by buying your home.

I am always reluctant to quote statistics (...liars, damn liars, and statisticians) but I found this little tidbit from the US Census Bureau to be comforting - since 1940 (when they first started asking about home values) property values have risen IN DOUBLE FIGURES in every decade except in the 1980's, when they only rose 9%.

Just buy your home, and don't worry about the appreciation aspect of home ownership.


*well, there are apocalyptic visions one could have that would preclude real estate appreciation. But if the Apocalypse occurs, it won't hardly matter if you own or rent, will it?

Paul Anderberg
http://www.first-time-home-buying.net

Mr Anderberg is the author of many helpful articles about home buying. Visit his website to read more. Several others are also available on this site.

Sunday, March 29, 2009

Is Headline News Making Your Real Estate Decisions

Looking at the headlines for the last four months about housing is really depressing. However I have noticed that the bodies of the articles and the headline are often at odds. This made me wonder how many people make their housing decisions based on the headlines instead of the articles. We are a nation addicted to the quick. A vast number of us get our news from headlines on our home page or CNN. Articles take time to read; we need the condensed version.

One headline in red bold point type is: 31.7% Biggest Drop in CA home Sales 24 years. What you don't find until the second paragraph is that the drop is from September of 2005. Not mentioned is that home sales in 2005 were the highest ever recorded. Also down in the body is that Unsold inventory is holding steady and is close to the long- term historic average of a normal market. So why isn't the headline Market Reaching Historic Average?

Another article headline says: Home Price Fall Sharpest in 35 Years! What you don't get until the third paragraph is that this number ( 9.7%) is for Nationwide sales of new construction. Half way through the article you find that overall prices are down by only 2.5% and sales activity is up for the last two months. You won't see a headline that says Prices Only Drop 2.7% Sales on Rise.

If I were a Buyer or Seller reading all the headlines I'd be leery of this market. Buyers are worried that if they buy the price will drop and they will look silly for buying in a down market. Sellers are concerned that if they sell now prices will go back up and they will look foolish for not waiting until the market changed. People are truly afraid to make a decision about housing. People would rather make a mistake about a spouse then a house!

The Real Estate market has been slow for almost a year. The Bubble bloggers are praying prices drop to 1995 levels but that's not likely to happen. Sellers are waiting for prices to increase 50% and that's not going to happen either. Here is what has happened. Prices have declined and inventory is up with many housing choices. Sellers will negotiate price and terms. Interest rates are very low. 30 year fixed rates for loans less then $417,000 are 5.78% and jumbo fixed rates are 6.1%. This is an amazing market with great financing and lots of choices but people are not buying. So why are people waiting? I think people are afraid. It seems as if the entire country is just waiting for a headline that tells them the slump is over and it?s OK to return to the housing market. No one wants to be wrong, however trying to time a housing market is almost impossible and usually depends on luck more then skill. Often by the time the general public realizes a market has changed it is too late to get in at the right time. So if you are waiting for the headlines to tell you it?s time to buy you might be too late to get that good deal you have been waiting for so patiently.

Kaye Thomas is a UCLA graduate and has been selling real estate in Manhattan Beach Ca since 1979. Kaye works with buyers and sellers and specializes in residential and small residential income property in the South Bay Beach Cities of Los Angeles county. For more information on buying or selling visit Kaye at Kaye Thomas 4 Homes or Move2ManhattanBeach

or read her BLOG at Manhattan Beach and South Bay Real Estate Information You can e-mail Kaye with questions at: Kaye Thomas

Saturday, March 28, 2009

Have Degree But... Do I Really Want To Travel?


Have Degree


I received my nursing degree in May 1992 and have worked medical, surgical, rehabilitation, transitional care, psychiatric, and emergency units. For the past eleven years, I have been doing my prep work for travel nursing, but is now the right time?


I have always wanted to do travel nursing, but didn't think that I could until my son got out of high school in six year. And then... things fell apart at work, and my child kept on getting into trouble at school so that he could go to the library and be by himself to do his work.


Well, if public school isn't working for my son, and my current employment isn't working for me... Maybe I will get a chance to do travel nursing five years before planned.


I started looking on the Internet to find out if I qualify for travel nursing, and how much the pay rate is. I wanted to know not only the advantages of travel nursing, but also the disadvantages.



Why Travel Nursing?


I know some nurses who spend time as a travel nurse in an attempt to find a permanent home, and other just want a change of scenery. Travel nursing allows you to see the world, and still work as an active nurse.


I have always worked in a small hospital, what will it be like to work in a larger hospital? Is there any difference between a small hospital and a large hospital in attitude? If so, how will the large hospital attitude affect me? These are all the questions that I look forward to answering in my travel nursing experience.


I have always lived in the Western United States, why is life like in the Eastern United States? I have a friend who lives in Virginia, where my ancestors are from... I can't wait to make my scheduled Virginia journey in the Spring of 2005.


Some people travel because the pay is better, but is the pay


that much better? Is the pay that much greater that I can uproot my family every three to six months for this adventure in life?


Travel nursing also allows a nurses to pay off their bills quicker than staff nursing jobs, especially if you find a local company to ravel with; therefore, staying at home and earning that extra housing stipend a month.


No matter what your reasons are for looking into travel nursing, there are plenty of options out there, and it is definitely worth exploring this great adventure.




Written by Epstein LaRue, RN, BS, author of Highway Hypodermics: Your Road Map To Travel Nursing, Love At First Type, and Crazy Thoughts of Passion. http://www.epsteinlarue.com/


About the Author

Epstein is a traveling nurse and published author of 4 novels, including Highway Hypodermics: Travel Nursing 2007.

Friday, March 27, 2009

Bulgarian Property Guide

Bulgaria has attracted a lot of attention over the last two years, as foreign buyers and investors flock to its emerging property market. In 2004, foreigners invested over Euro 500 million in Bulgarian property, compared to Euro 98 million in 2003. Frequently listed in the top 20 places to buy a foreign property, Bulgaria is now firmly on the property investment map.

With EU entry forecast for 2007 investors are keen to buy into the Bulgarian market to reap the inevitable rewards of capital appreciation and establish a rental income in a country that has demonstrated increasing tourism over the last few years. In the first 6 months of 2005 alone, over 2.7 million tourists visited Bulgaria; with a 42% increase in the number of British tourists. By 2020 the World Trade Organisation has predicted that the number of foreign tourists visiting the country will increase to 10 million.

The most popular regions for foreign property investors can be broadly categorised into 3 sectors: the Black Sea Coast, Sofia and the mountain ski-resorts. Other buyers are attracted by the old houses inland that can start from as little as ?1,700 and the medieval charm of picturesque cities and villages like Veliko Turnovo, Arbanassi and Tryavna in central Bulgaria. Enjoying over 300 days of sunshine a year, boasting a coastline that stretches over 380km, spectacular mountains, eco-tourism and some of the most affordable property in Europe, there is no wonder that Bulgaria is attracting such interest. Property prices in some regions have doubled in the space of the last two years alone ? though new apartments on the coast are still available from as little as ?20,000.

Despite recent bad press about developers and estate agents in Bulgaria over-estimating rental returns and exaggerating capital growth rates, Bulgarian property remains under-valued and is a good investment.

Dominic Whiting is a journalist and publisher of the Buying in Turkey and Buying in Bulgaria property guides. For more information, newsletters or to order visit: http://www.buyinginturkey.info

Wednesday, March 25, 2009

DIY Steel Buildings

DIY or Do It Yourself steel buildings are self built by owners. DIY steel buildings offer a unique opportunity to construct a building solely according to personal preferences. Do It Yourself is the popular trend in America, the personal identity of a person being reflected in his belongings. DIY thoughts can be realized in construction using steel materials. Steel is a flexible alloy that can be engineered to any type of structure. DIY steel buildings are very much functional since the design is chosen by the user. DIY steel buildings include temporary shelters, garage, storage area, commercial buildings and retail buildings.

DIY steel buildings can be custom designed. The builder can either personalize available patterns or design a new one. Plenty of patterns are available from web resources and manufacturer catalogs, to be modified according to individual needs. The customer has the privilege to add suggestions regarding size, shape, height, area and structure patterns. The color of the panels can be chosen from the available pool. Accessories also can be included according to the client's needs. The custom design pre-engineered steel frame system is available in readymade DIY kits. The DIY kits also include all the necessary subsystems such as bolts and screws for the assembly of the steel building.

DIY steel buildings incorporate arch models and straight roof models. Rigid frame work models are also available. Arch models are easy to install and ergonomic. They integrate walls and roof to a single arch structure, and offer maximum space to occupy. Straight roof models give a traditional look to the structure. DIY steel structures require a strong foundation to be mounted on. According to the requirement of soil, the builder can construct base rail system or concrete slab for the foundation. The steel frame is then erected. The roof and wall panels are fastened with anchor bolts and screws.

DIY steel buildings can satisfy all the requirements of the customer. The buildings are also durable and weather resistant. DIY buildings are economical since labor cost can be avoided. Sophisticated tools are also unnecessary. DIY steel buildings can be assembled easily with simple tools within a short span of time. DIY steel kit manufacturers offer warranty for about 30 years.

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

Tuesday, March 24, 2009

Scottsdale Arizona Real Estate Agent

A real estate agent is someone who facilitates real estate deals. Real estate agents market a property to be sold and try to get the best possible price and terms for their clients. If a client wants to buy a property, the agent ensures that the client gets the best possible deal. According to US law, a person needs a permit to act as a real estate agent in Scottsdale.

Scottsdale is the fifth largest city in the US. Scottsdale is growing fast especially in the northern regions of the city. There is a huge increase in the number of new residents every year. Increase in population directly results in an increasing demand for accommodation. This makes the real estate business a thriving business opportunity and many real estate agencies make use of this opportunity. Excellent climatic conditions, low tax rates and low housing costs are some of the other factors that contribute to the growth of the real estate industry in Scottsdale.

In a booming real estate industry, contrary to expectations buying or selling is not an easy task. Though there is sufficient demand, an amateur would find it a challenge to reach out to more buyers or sellers or strike a fair price on a deal. This is the chief reason for many property owners and buyers deciding to deal with an agent. Agents work on a commission basis but this does not deter people from dealing with them as long as they are able to strike lucrative deals. A single real estate agent can handle the case of both the buyer and the seller, provided he has the consent of both parties to do so. An agent is more experienced in property matters, trends and market conditions and will use this expertise to negotiate on behalf of clients. A large number of real estate agents operate in all the major cities of Arizona including Scottsdale Research on the Web or a quick scanning of the local Yellow Pages can help find an agent. It is important to talk to more than one agent simultaneously for a better chance of either buying or selling a property.

Scottsdale Real Estate provides detailed information on Scottsdale Real Estate, Scottsdale Arizona Real Estate, Scottsdale Arizona Real Estate Agent, Scottsdale Real Estate Agent and more. Scottsdale Real Estate is affiliated with Tucson Residential Real Estate.

Monday, March 23, 2009

San Franciscos Monaco Hotel A Bay City Luxury Retreat

Enter a luxury cruise liner . . . in a major metropolitan area?

Enter a luxury cruise liner . . . in a major metropolitan area?

When you check in at the Hotel Monaco in San Francisco, it's like boarding an intimate cruise ship of the early 1900s and stepping back to the heady days of Hemingway and Christie. Get a good look at the registration desk it's built to look like an ocean steamer trunk.

Then take a quick stroll to the right, past the elevators into the elegant sitting room. Fanciful furnishings, high-backed sofas, and a crackling fire all make for intimate spaces for private conversations. Join your fellow guests in the other sitting room just past the old marble grand staircase for wine and cheese in the afternoons. There you can have your tarot cards read and get a neck and back massage. The decorations evoke the days of elegant travel. The art deco flavor and high ceilings made us feel like we were giant pieces in a grand Monopoly game.

We loved the dcor of our room French, fun, and boy-oh-boy were the fabrics expensive and fine. So nice, in fact, that if you smoke in your room, the hotel charges an extra $250 cleaning charge. Like all San Francisco hotels built at this time, the Hotel Monaco has smaller rooms than you might expect from a modern luxury hotel. But dont be fooled; this room makes the most of the space a period armoir holds the TV and mini-bar, and a huge circular mirror gives the room lots of light.

The foundation of any hotel's success is in their beds . . . really! If you don't get a good night's sleep, how great can a hotel be? You'll find the Hotel Monacos sheets and bedding an inviting way to recover from a day of walking through what locals call The City. Dreamy pillow top covers, down pillows and romantic canopies may make you want to stay in. Luckily, the Grande Caf, attached to the hotel has mouth-watering room service. Be sure to order the omelet and wine, which comes with a small green salad, perfect for the lighter appetite.

The bathroom more than met our needs with Aveda products and Frette bathrobes. There is also complimentary high-speed Internet access, coffee service, newspaper, and all the other goodies you expect from a luxury hotel. Plus one more The Hotel Monaco has teamed up with Yoga Magazine to give you a little workout in your room. Just ring up the front desk, and they will bring you a complimentary yoga package with a yoga mat, strap, block, and instructions. You do the workout with an instructor on the TV.

PETS ARE WELCOME

Although we left our pets at home, the Hotel Monaco can take care of your four-legged friends in style, taking the term pet-friendly to a new level. The Bone-A-Petit package features bottled water, a dog bowl, Good Dog towels, top quality chew toys, gourmet dog cookies, Hotel Monaco's temporary dog tags, and clean up bags. You can also request Lassie, Babe, and Dr. Doolittle videos from their front desk. We didnt get a chance to see if they offered doggie yoga.

Additionally, the hotel offers Guppy Love, a complimentary goldfish along with fish toys to keep you company during your stay. The housekeeping staff feeds and takes care of the goldfish - all you need to do is enjoy.

HEART OF THE THEATER DISTRICT

The Hotel Monaco sits in the heart of the theater district on Geary Street, just off the famous Union Square. From the hotel, you can walk in just minutes to all of San Francisco's most famous theaters: Orpheum Theater (which is currently showing The Lion King, the American Conservatory Theater, Curran Theater (where Phatom of the Opera played to packed houses for years), Post Street Theatre, Theatre on the Square, and Yerba Buena Center for the Arts.

DINING IN PLEASURE

When we told a friend, who is a wine collector and hedonist extraordinaire, that we were staying at the Hotel Monaco, he asked excitedly, You're eating at the Grand Caf then, right? I'll join you. The restaurant is connected to the hotel by a large, ornate doorway, but the businesses are two different entities. The Grande Caf bills itself as a FrenchCalifornia brasserie featuring contemporary French cuisine influenced by earthy seasonal flavors and wonderful local ingredients. The menu's diverse array of fresh seafood, roasted meats, and theatrical desserts satisfies

ABOUT THE AUTHOR
Cymber Quinn, Jetsetters Magazine Correspondent. Join the Travel Writers Network in the logo at www.jetsettersmagazine.com


Sunday, March 22, 2009

What Should I Look For When I Want To Purchase An Existing Home?

You should be on the look out for any major problems which may cause you significant problems and money later on down the line! It?s a good idea to do your homework when you?re looking to purchase an existing home or any home you may be considering. You want to know what you should be looking for? Well consider some of these tips and information while you?re shopping for an existing home:

1) Consider having a home inspection done on the property you?re thinking about purchasing. This is very important! By having a home inspection, you will be provided with valuable information about the condition of the home you want to purchase by an independent expert. You can find a certified home inspector via the American Society of Home Inspectors(ASHI) www.ashi.org. You?ll be glad that you hired an independent inspector to go over the home you may want to purchase. It may save you major headaches in the long run! Make sure to make the home inspection a contingency of the prospective purchase agreement of the home you?re considering.

2) Look at the price the existing home is being sold for. In most cases you?re able to get a better price for an existing home than you would for a new one. The existing home is usually in a neighborhood which is already established. In addition, the home will probably have upgrades already done. If you have children, schools are usually already established for the neighborhood that you may be planning to live in.

3) Try to steer away from existing homes which have some form of preexisting structural and roof damage. If you don?t, this could cost you thousands of dollars in the long run!

4) If you decide to purchase an exiting home, you may want to establish a home maintenance account for any potential repair problems in the future.

5) Make sure you check out the landscaping of the home which of course includes the lawn, plants, flowers, bushes and trees! If there is a potential problem with the landscaping, you can put in your contingency agreement that this problem must be corrected by the seller, prior to you purchasing the home. This could save you money in the long run.

6) Research and investigate any easements on the property you?re planning on purchasing. You want to make sure if there are any easements, that this will not create a problem for you in the long run.

7) Purchase title insurance! This will protect you from any potential problems that may come up about the legal owner of the property that you have purchased.

The purchase of an existing home can be a good thing if you do your homework before and during your prospective purchase. There are some great deals on existing homes if you do your research. Just keep in mind some of the tips and information that you?ve learned, while you?re planning to make your purchase. You?ll be glad that you did.

Nocita Carter is a writer and web designer that creates websites providing informative tips on various subject matter including personal finance tips on your personal finances at http://www.personal-finance-tips-for-you.com ; dating tips at http://www.mydating-tips.com and your choice of ebooks at http://www.ebook-corner-for-you.com

Saturday, March 21, 2009

Play Board Games for Family Fun

There are a lot of different types of games that people play. There are online games and home video game systems, but it seems that one type of game that used to be played a lot is not as in the spotlight as it used to be. These are board games, and although they have seemed to drop in popularity a bit over the past few years they are still great fun to play, especially in a family friendly environment. Everyone that loves board games has their favorites, but here are a few that I love to play.

1. Monopoly - This is the old standby board game that almost everyone has heard of. It is a board game that is generally played for long periods of time and has to do a little bit with the roll of the dice and a lot with strategy of buying real estate (the squares on the playing board) The game is won when one individual owns everything and the other players are totally flat broke. This game has been played in marathon sessions where the company actually had to fly in additional monopoly money.

2. Parcheesi - Here is a great old board game that is a lot of fun to play and doesn't require much brain power (sorry if that offends anyone). You roll the dice and move your piece around the board. The first person to reach the goal wins, but you need to reach that goal with an exact roll of the die.

There are many other board games that can be played, but these are a few that will get you started. If you love these games then you are in good company. If you've never tried them then I suggest getting them and try having a family night where you play them together. You might find that you actually enjoy each others company.

By Steve Miers

Friday, March 20, 2009

Brain Injury Attorney Facts

Accidents can harm an individual momentarily or permanently or may render a person physically or mentally handicapped for the rest of his life. Out of the various kinds of injuries that can result due to an accident, brain and spinal injuries are the most dangerous. Brain injuries may cause material or vocational changes in individuals.

Brain injury may result due to serious accidents such as vehicular accidents, falls, sports injuries, or acts of violent behavior. These injuries may not, at all times be visible externally and sometimes can appear to be extremely minor. However, even in these cases, an injury to the head can be very complex and life impairing because these injuries can have an effect on the brain. A lot of adjustment and patience on part of the victims and their family members is required to handle the after effects of brain injuries.

The resultant effect of brain injuries depends on which part of the brain has been injured the most. In cases where victims have been injured due to the action or negligence of another person, a criminal case can be filed in the court with the assistance of a qualified attorney. Several attorneys particularly deal with brain injury cases. In case of severe brain injury, attorneys can fight a suit in the Supreme Court claiming compensation for the victim's medical expenses and life long handicap.

Several law firms favor to keep highly paid attorneys who handle different types of brain injury cases. Therefore, as an attorney, it might be a good move to specialize in this particular stream. The attorneys dealing with brain injury cases have to work with a team who prepare the case. The team comprises of legal specialists as well as medical specialists.

Victims or their family members can choose the right brain injury attorney by enquiring into a few details. They can start their search on the Internet by giving details of their location. This will offer them names of several local attorneys plus some sites that have an option of efer attorneys. Individuals can call or email 3-5 attorneys and enquire about the necessary details. Individuals can also find out the level of experience and competence these attorneys have by finding out how many brain injury cases they have dealt with and the kind of experts they have hired for their clients.

Brain Injury Attorneys provides detailed information on Brain Injury Attorneys, Traumatic Brain Injury Attorneys, Aquired Brain Injury Attorneys, Anoxic Brain Injury Attorneys and more. Brain Injury Attorneys is affiliated with Finding Brain Injury Lawyers.


Thursday, March 19, 2009

The Responsibility Of Being A Sports Coach

Whether we are talking about professional, sanctioned sports or organized youth sports makes no difference; coaching in sports is an awesome responsibility.

Some may ask, ?What exactly is a coach?? Well, the World Wide Web offers the following definition; ?In sports, a coach is an individual involved in the direction and instruction of the on-field operations of an athletic team or of individual athletes.

Coaching entails the application of sport tactics and strategies during the game or contest itself, and usually entails substitution of players and other such actions as needed. Most coaches are former participants in the sports in which they are involved, and those who are not have had extensive training in the sport in question.?

Coaches not only have the responsibility of teaching the fundamentals of their chosen sport, but they are entrusted to guide the athletes as individuals, as well as offer an example of behavior for the team to follow. While different sports, as well as the different sports organizations that coaches work for, all have their own set of rules and regulations, there are a few fundamentals that all coaches are expected to follow.

For example, all coaches are expected to abide by the particular laws that govern their sport, and to make sure that the athletes do so as well. In sports, there also exist unwritten rules of sportsmanship and ethics that all coaches are expected to follow and enforce with their team. These ethical standards cover such things as fair play and the integrity of the team as well as the individual athletes.

Coaches must ensure that their players are safe and protected during games as well as during practices. They are expected to provide and maintain a drug free environment, act as a role model both on and off of the playing field, ensure respectful conduct among the players and so much more. Coaches are also expected to keep current on any new provisions that might come into being that relates to the sport they are coaching.

Since it takes so much to be a good, effective coach, there are now many institutes of higher learning that actually offer classes for coaches. Classes run the gamut from how to influence the players, how to motivate players, as well as how to build team spirit.

With the huge number of different sports, as well as the diversity of the players, many coaches find themselves in need of an education that will better equip them to handle a certain group of athletes. For example, with more and more women?s sports teams being formed, this presents a problem for the male coach who has never had to coach anything except a team of males. Being a coach in sports is not an easy job, but it does have the potential to be a rewarding one.


About the Author:

You will find more from this author at: sports-articles.com


Wednesday, March 18, 2009

Home Mortgage Online: A Quick Introduction

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

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

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

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

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

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

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

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

Tuesday, March 17, 2009

Book Review: A Broad Abroad In Thailand By Dodie Cross




 



Book Review: A Broad Abroad In Thailand By Dodie CrossSubmitted By: Simon Barrett [See Author?s Biography  
















This is to say the least an interesting and entertaining read that covers far more ground than the title implies. Told with a huge amount of humor we follow Dodie on her sojourn to Thailand, where things do not work out as planned. As she ruefully reflects on in the final chapters, what seems like a great opportunity at the time, had enough flashing warning lights that she should have spotted early on.


The story opens with our heroine working a mundane office job during the day, and helping out part time at a local golf course in the evenings. Here she meets he husband to be, the club Pro Dick. Although not exactly swept off her feet in passion, they do eventually become lovers. It transpires that Dick prior to becoming a Golf Pro has had considerable experience in the construction world. Happenstance puts Dick and Dodie in a position where a two-year contract for a construction project in exotic Thailand is theirs for the taking. A free house, bags of tax free money, what more could you ask for? Of course there is one minor hitch, for Dick to get the full company benefits, he must be married.


Whats a fun loving, adventure seeking gal to do? Well if your name is Dodie Cross you of course get married, and start packing! Minor things like 'love' can be worked on later!


It doesn't take our adventurous author long to discover that the 'land of smiles' may well be full of smiles, but the company compound where everyone must live is anything but Eden. A repressive management, or to be exact the manager's wife, has created her own version of hell on Earth. Endless lists of rules and regulations, the company not only owns the employees, but their wives and families as well. Must-attend meetings, shopping trips, card games, and parties are all part of the social calendar.


None of this sits well with Dodie, and she of course decides to buck the system, even worse she discovers that Dick is a 60 year old sex maniac! Stress at home, stress from he bosses, all start to weigh heavily on Dodie, an unexpected medical problem also adds to her growing list of issues.


A Broad Abroad In Thailand is a great read, it is written in a very humorous style, I particularly enjoyed the Pigin English dialog with the local Thai people. That on its own makes this book a hit! Dodie, undaunted by minor and in some cases major setbacks,'bags and crashes' her way through life. This is a must read book for anyone contemplating living and working in a foreign land, from marital to medical, the problems are so much greater than being at home.


About Dodie Cross: she is a freelance writer who has received numerous awards for her writing and poetry, among them the prestigious Southern California Writer's Conference First Place Award for Best Nonfiction, as well as First Place in their inaugural Poetry Award. She has accrued first and second place prizes in her published articles. Dodie has traveled the world, writing about her life in foreign countries such as Iran and Thailand, as well as American locales such as New Orleans, Orange County, California and Lake Chelan, Washington. Look for her next book: One Strappy-Sandaled Foot Ahead of the Mullahs: An Expat's Life in Iran Before and During the Revolution.

















Monday, March 16, 2009

Exploring the Explorer


Released in 1990 and is continually being manufactured at present, the Ford Explorer is a midsize sport utility vehicle that is crafted by the Ford Motor Company. Since its introduction, the Ford Explorer has never failed to be the best-selling midsize SUV in the United States. Also, its claim to fame is that it is one of the vehicles that is instrumental in turning the SUV from a special-interest vehicle to become one of the most popular vehicle types out on the road. The Ford Motor Company is certainly proud of this vehicle because amongst many vehicles in its segment, the Ford Explorer was one of the nominees for the North American Truck of the Year Award for 2006.


This vehicle was released in March 1990 as a 1991 model, and it replaced the Bronco II. The make of this vehicle was based on the Ford Ranger compact pick up truck and it held a 4.0 liter 155 horsepower V6 engine that held a 4-speed automatic transmission. The Ford Explorer was made available in four trim levels and this included the base XL, the XLT, the Sport which was a two-door version, and the upscale Eddie Bauer. This vehicle offered automatic headlights, fog lamps, an automatic transmission as standard equipment, an auto-dimming rear view mirror, a center roof console with compass and outside thermometer, special wheels, and a special grille. Come 2001, the Ford Motor Company then introduced the Explorer Sport Trac which was mainly a small pick up bed behind the four normal SUV doors.


As per the latest changes done to the Ford Explorer, this vehicle now sported a new, stronger base, a new interior, redesigned rear suspension, and power-folding third-row seats. Also standard for this vehicle is a tire-pressure monitoring system and electronic stability control. It also contains power running boards that retract when the vehicle is in motion. It will hold a 210 horsepower 4.0 liter V6 as its base engine. It has more power, an improved fuel economy, low emissions, new advanced safety technologies, class-leading interior quietness, improved ride comfort and a bolder styling. The Ford Motor Company certainly bothered to take time to facilitate a safe driving and experience in the 2006 Ford Explorer. It has ten standard advanced safety technologies in it among which seven of these are new to the mid-size SUV class. This includes AdvanceTrac? with class-exclusive Roll Stability Control that helps out in preventing accidents from occurring. It also has side-impact roll over protection and new safety technologies that assist in altering frontal-impact protection.


Phil Martens, group vice president of Ford Motor Company's Product Creation department was noted to state, We are fortunate to have the largest base of SUV customers in the industry. The input of more than five million owners helped influence the changes we made to the 2006 Explorer. The result refines what has made the Explorer such a success, while improving everything from the towing capacity to the choice of interior trim.


Locating Ford Explorer parts and Ford parts is made available 24 hours a day at Ford Parts Online's online store.

About the Author

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

Saturday, March 14, 2009

Way to Go

The bartender looked at me with just a trace of concern and said: Are you sure you want another dry martini? Gee, you just had 4 in a row.

Yup, I also need more peanuts and some olives. They'll keep me upright till lunch time.

I had just finished playing 18 holes and had turned in another Oscar performance on the links: four under par in a course known for its devious and hidden character. My playing partner, who is also my doctor, had had two Alka-Seltzers in a row. The round that morning had cost him not only a cool thou but it had left more than a hairline crack in his self-esteem. Crushed were whatever hopes he had of humiliating me. He had tried everything, including poor score accounting, the old distraction sequences and the worn out You don't look too well today.

FOUR UNDER PAR! It was one of the best cards I had turned in half a dozen years. It meant a positive balance of birdies against bogies and other atrocities. That score, the feeling it produced and the enrichment of the blood and the senses provided by the dry martinis, gave me a time-space frame of chop -licking texture.

Once the fourth martini had been added to the inventory and peanuts and olives swiftly disposed of, I sauntered down the clubhouse towards the parking lot by the pond, carrying as usual my inseparable Japanese Pitching Wedge.

The red Mercedes convertible - top securely up - was parked in the usual shady and secluded spot of the parking lot. A very discreet location where no possible intruder could appear without allowing some beneficial warning. The spot guaranteed seclusion, intimacy and quiet.

She was sitting in the driver's seat reading an action-adventure book of the kind written by retired military officers. I could tell by translating the aura emanating from her delicate head: bored puzzlement, disdain and a Tabasco dash of disgust. Those retired warriors ought to accept Security jobs in two star department stores, play golf or use their travel vouchers. They should not be allowed to write anything longer than a laundry list.

She turned towards me and said:

Love, what the hell is a three pronged Info-ductilliable Model 405 Series EW34-009 Transteroformer with Spectimetrical Megaglicks??

The tone was pure frustration and fury. She continued:

When are they gonna draft these bastards back into KP. They are doing more damage to the civilian population in this country than a Republican majority in the House, Congress and the NAACP.

As soon as I entered the car and sat next to her, her rage turned into the most enticing welcome expressed in glorious smiles, a gentle squeeze of my hand and a soft kiss on the lips. That soft kiss - in a sense the first note of a complex overture - quickly turned into more aggressive mutual savoring, delicate caresses, and the increasing cadence of urgent breathing.

Mercedes Benz has always built excellent cars. This one had, in addition to tinted glass all around, padded automatic luxury seats that allowed tri-dimensional maneuvering to satisfy the most capricious configurations. In short, the damn thing was as comfortable as a triple mattressed double bed! We made use of it. Several times.

A couple of hours and a box of Kleenex later and, after both of us having dozed off in each other's arms, spent and satisfied, we decided to call it a day.

For an old thirty year old, you do quite well - I observed half in jest. She looked at me and in a very serious tone she dropped a bit of information both unexpected and shocking:

Love, I am going to have your baby. I saw the doctor this morning and he confirmed it...

I was speechless. My mind sort of flickered off. With an imperceptible but totally unconscious shake of my head I recovered a long second later.

Don't even think it - she said, It is yours. Bob has been away for the last 4 months. And it is over two years since we were last together. I haven't had any sexual contact with anyone but you. As hard to believe as it may sound, you are the father-to-be!

Well, true. I fell for Anansse the first time I saw her. My daughter, who introduced us, sensed at once that I had, again, been conquered by that indescribable and magnetic essence that some women project. It is like turning on a spectrum of colored lights that only you can see or a haunting melody that only your ears can hear. There is an immediate bridge, unspoken, undefined but intense and certain. It leads to pure love.

Anansse and I enjoyed a most romantic and passionate interlude. The only shadow in an otherwise bright agenda of love and passion was her husband's non-presence. In spite of the total demise of their marriage and the brutal treatment that Bob had inflicted on Anansse, she was forced to observe a minimum of discretion. As the only daughter of a Supreme Court Judge, she had to sacrifice some of her personal integrity to protect the pretense of a marriage of convenience. Her own happiness did not enter into the equation.

His being away almost continuously made things easier for us, but at the same time, it managed to let in a microscopic amount of remorse. This remorse, while insignificant and not wholly justified, was enough to prove to us that we had not lost our decency and could still sense the echoes of our conscience.

Our passion was endless. Often I would meet her for breakfast at one of the more distinguished lounges in the city and, just as often, we could not finish breakfast. We both would begin to feed each other small pieces of this or that and soon our appetite would be replaced by an urge that was impossible to stop. Caresses in public places have always been distasteful to me but such was the fury of our desire that we would not hesitate to rush into the nearest restroom, supply room or closet. It was great!

Of course I never thought I would be in a position to engender children. That vasectomy of long ago and all those modern prevention measures for both sexes had given me a happy and careless demeanor, which, I felt, added to the enjoyment of my relationships and improved my social acceptance.

What are you going to do? - I asked.

She looked at me for a long time. She seemed to be trying to reach the proper neuron cluster in my brain before letting her own thoughts disclose her decision.

I am going to have the baby! Love, it is too precious a gift and I can not think of any argument that can convince me to change my mind.

Tears filled my eyes. She had touched the right combination. Pride, happiness, amorphous joy, they all paraded through me and left me with a sense of wonder. Something akin to shooting substantial sub par golf.

I could not expect any other answer from you, darling Anansse..-- I was finally able to blurt. -- But, how about Bob?

She twisted her solid Gold Bulgari bracelet in a sudden nervous motion. The question, obviously, had been in the front layers of her mind. I could tell that it was a painful moment for her and an anxious one for me. I feared more than anything else that she would allow some unreal sense of responsibility, loyalty, and decency towards Bob to prevail upon her; to push her towards the accepted rigors of modern convention. To tell me that it was all over between us. But my fear was unfounded.

I will just have to tell Bob. And I shall move out this very week. I must put an end to all these years of pretending. He returned yesterday with the usual vodka personality, dead on his feet and barely made it to his room but not without letting me have another of his senseless fit of jealousy. This morning I left early so I really have not had a chance o talk to him. I know he knows that I have reached the end of the rope.

I listened with my heart. My love for Ananssee was such that the thought of losing her could only compare to the loss of my senses. Her determination to end what I considered the tasteless relationship she maintained with an abominable man confirmed my own faith in the love I had patiently inspired in her own heart. In spite of the complications her actions were certain to create, I felt happy. I felt in many ways justified; I also felt the pride of having overcome incredible obstacles to win her love . Ananssee my love, you make me so happy. Doubly happy. It means to me that we can plan our future together; we will have a bond between us and a source of joy.?

Like youngsters, we made plans. After a quick divorce we would be reunited in Geneva and would take up residence there. Geneva had been home to both of us in our separate pasts and had always remained a particular haven in Europe for each of us. I was overjoyed. My mind was already setting up spreadsheets, charts and diagrams about the next few months. Pure bliss!

We kissed each other and she quickly steered the Mercedes out of the parking lot. I started to walk back to the lot in front of the Clubhouse, where my Jaguar and Warren, its keeper, chauffeur and personal assistant, had been waiting for me.

As I reached the entrance to the parking lot, Bob suddenly appeared from behind the hedges bordering the lot. His eyes were red, his hair and face seemed to have been given a vinegar shampoo. He glared at me and quickly stepped in front, blocking my way.

I know all about you and Ananssee, you dirty old bastard!

As he shouted these words, he pulled a gun, shiny and threatening and pointed it at me.

I must admit that with age, my reflexes -- well, some of them -- have slowed down a few notes down the scale. So, if you put together a demented Bob brandishing a gun in front of me and my own inertia as I moved past the hedge, you can see that I stopped rather abruptly and my inseparable Japanese Wedge sort of slipped in front without any conscious effort on my part. The trusty Japanese Wedge hit Bob's hand as he pulled the trigger causing the barrel to move upwards and let go of its mortal message right into Bob's contorted face.

Seconds before, my peripheral vision had detected Warren moving quickly towards us. He witnessed the entire sequence and came immediately to my aid.

Then the police, coroner, officers, witnesses and curious golfers all seemed to materialize and stand around talking about the incident.

After talking to the police and agreeing to be there in an hour?s time, I went to the bar and could not help ordering a double Remy Martin. I felt tired and a little unhappy that this most unfortunate encounter with Bob had temporarily dampened the euphoria Ananssee had produced in me. Warren came after me and gently suggested I leave as soon as I finished the cognac.

As we were leaving the bar, one of the regulars at the bar -- thinking that I could not hear him -- said to Warren:

Make sure you take care of that wedge. If it is as old as his master it may not have many shots left.

Everyone laughed heartily. I stopped and in a loud enough voice so that the rest of the guests at the bar could hear me said:

I heard that. Not to worry. This wedge is only thirty years old. I think I'll retire it when it reaches my age. You see, I will be 85 years old next week

After a career in international corporate business,the author uses humor to describe and comment on people, events and current concerns.


Friday, March 13, 2009

Succeeding through Extra Sensory Perception (ESP)

Succeeding through Extra Sensory Perception (ESP) is easily achieved by incorporating the psi function in every facet of daily life. ESP enhances productivity in industry and commerce, as well as promotes a balanced state of mind and healthy lifestyle.

Using your own ESP or perhaps reputable psychic professionals not only saves valuable time for businesses but also for those they serve. By expanding upon the traditional problem solving thought process and deciphering tomorrow?s needs today; ESP has made it possible to quickly resolve problems making the business process much easier and simpler.

An important aspect behind success through the use of ESP is the fact that it levels the playing field between big and smaller business and makes everyone equal. What this means is that even activating a little of the ESP function; a small business can competitively price their goods or services next to what a big business is offering and thus compete on a more equal footing.

A large percentage of the population today utilize their own intuitive perception and/or an ESP Consultant in business, careers, sports, personal relationships and all areas of life. Some of the factors contributing to this massive global acceptance of extra sensory perception over the past six decades have been documented in scientific research programs, however, the masses have not waited for science to measure their ESP, they have opted to employ it.

Call it telepathy, remote viewing, derma-optic perception, or occult terms if you prefer labels. Animals use it all the time and so do birds. Dolphins are known to use it as are little children. All that is required is listening to it and then acting on it. Like all skills and talents, acquiring the knowledge and confidence that only participation can produce. Success comes with risks. Extra sensory perception gives one an advantage in taking those risks.

There are many different methods to choose to sharpen your ESP and some are available at your finger tips online. Of course there are a large number of questionable psychic practices, most of those 900 line phone psychics moved from television to the internet. I personally recommend that you acquaint yourself with experiments of Rupert Sheldrake, PhD or perhaps the Noetic Science Institute to give you a general idea of what researchers from the private sector are introducing.

The following is an example of getting started with your ESP and what you can do with it.

?Charlotte Myers is in sales and is launching a new business. She needs to make cold calls and make new contacts. She has in front of her a long list of people and companies to call to pitch her idea. Using her ESP, Charlotte scans the list to see what names stand out to her. The psychic hits on those names will appear brighter to her, standing out among the other names or sometimes she will sense a warm feeling when she looks at the name. Charlotte takes the first step in cutting cost and time by zeroing in on her 1st calls.

?Charlotte uses this same technique in closing the deal taking it a step further in the personal interview with the prospective customer. Shaking hands with the customer, Charlotte receives another psychic hit. The clinical term for receiving psi information through touch is (derma-optic perception) but it is not a prerequisite to using your ESP in your daily life. Charlotte senses exactly what the customer needs and wants providing valuable information. Charlotte addresses this information during her presentation and successfully closes the deal.

?Instead of wasting time hitting the streets or paying someone to find the location for her new business, Charlotte looks at the buildings to lease in her local real estate newspaper. Using her ESP first step in selecting the addresses, she circles them and then moves her mind to those locations and takes a psychic glimpse of the building and surrounding area. The clinical term is Remote Viewing. This is a valuable psychic tool. She is able to access in seconds to view any area, location, or person at any given moment.

There are a variety of techniques and methods to utilize ESP to succeed in business. By embracing your inner ESP you can hurtle past creative blocks and stale concepts. It only takes a few minuets a day to enhance your capacity to achieve new insights and access new ideas in all areas of your life. Allow your ESP to guide you, expand your perceptions and open those channels to access information outside your conscious perception. You already have this ability within you; all you have to do is use it. The choice is yours.

Barbara Soblewski Garcia's website http://www.starmerge.com, offers a wide range of services from private ESP consultations to ESP development classes, an Art Gallery and prints store. Barbara gained mass recognition in the Seventies with her involvement in several criminal cases, most notably The Hillside Strangler. Over the years her psychic powers has been thoroughly tested by numerous investigations in both lab and field settings.

She has since been featured in Nova?s Horizons in ESP, the CBS documentary Psychic Phenomena, The Hollywood Reporter, Variety, The Daily News, and numerous news broadcasts including CNN's Larry King Live. 2004 new book release, Haunted Cemeteries by Edrick Thay features Barbara?s work on the legendary Pink Lady ghost story. Edrick Thay takes a closer look into the life and work of Barbara Garcia in his 2005 publication, Premonitions and Psychic Warnings


Thursday, March 12, 2009

Understanding Baseball Speed Training: Part 2


Those spring days that I spoke about in Part I of this series are fast approaching. I can only assume (which you shouldn't do) that the gloves are being oiled and that we've been swinging the stick in the cages and working out hard for our up-coming season.


In the last article, I had given you a starting point to speed training with various drills to assist in the development of your agility and first-step quickness.


Before diving into a sample program that I have used with athletes, let's take a look back at a few of the points that I made last time, just to ensure we understand our goals.


First, you are not training for a track meet. If you run track that is fine, but in this case we are looking to improve our speed for the benefit of our sport. When you are waiting to steal a base or get that jump that is needed from the outfield to run and dive for that fly ball, you don't have the luxury of getting into a perfect stance and waiting for the gun to fire.


Second, aerobic endurance work will do nothing to enhance speed. I don't' care how fast you run the mile, it doesn't mean you can get from Point A to Point B fast. Take a look at the difference in body composition between a top marathon runner and a world-class sprinter.


Ok, with those two points hammered home let's take a look at a sample workout that I have used with some of my athletes. This speed session is going to focus on the development of the 30 and 60-yard sprint work that is often incorporated into baseball camps.


Before I have my athletes or clients engage in any type of physical training I always prescribe some type of dynamic warm-up. This time is used to elevate the body's core temperature and prepare the joints for the up-coming session.
Because of the movements required in baseball, we must make sure that we warm up the rhomboid (back of the shoulder) muscles. These muscles are responsible to keeping the shoulders healthy because of all the forward over-hand throwing motions when playing. We will also want to make sure that our lower body is activated in the warm-up to help with hip and leg mobility.


Contact me, shawn@gamespeed.biz if you don't know how to prescribe or set up a proper warm-up. If you are just jogging a lap and static stretching before your games, then your wasting time.


The Session:
This a sprinting rotational ladder that I have used with some of my athletes and I have varied the distances and the amount of the volume or total sprint work depending on their age and their current athletic level.


* Your rest periods will be 1 minute between each sprint.
* You will need 4 cones (or something just to mark off the appropriate distance)
* You will only be sprinting to either a 15, 30 or 60 yard marked distance.


Set your cones up giving yourself a starting point and then place one cone at 15 yards, one at 30 yards and the final cone at 60 yards.


* When sprinting 15 yards you will start from a push-up position lying flat on your stomach.
* When sprinting 30 yards you will start from a lateral position (similar to stealing a base.)
* When sprinting 60 yards you will start from a normal two point athletic stance.
* You will complete all of the 15 yard sprints before moving onto the 30's and so on.


Bracket 1.
15 yard sprint = 5x (times)
30 yard sprint = 3x
60 yard sprint = 1x


Bracket 2.
15 yard sprint = 1x
30 yard sprint = 5x
60 yard sprint = 3x


Bracket 3.
15 yard sprint = 3x
30 yard sprint = 1x
60 yard sprint = 5x


After your final rest time, finish the workout session with a static stretch routine.


A couple of key points that I would like to make.


* First, when taking off from a push-up position make certain that you are looking into the ground. If you are looking upward this causes the head to pull the rest of the body up too fast during the acceleration phase of the sprint. 15 yards is about acceleration!


* Second when running the 30-yard sprints alternate the lateral direction you are facing.


* Third, when running the 60-yard sprint, RELAX! You won't be fast if you are all tensed up.


* And finally, don't lie down between sprints. I actually prefer my athletes to walk around or back to the starting point.


Once again this is just a sample of something that I use. It's not the end all, but it works. Give it a shot and let me know how it works for you. I will outline a weekly program in the future.


Until then remember keep having fun and work hard!
About the Author

Shawn is an independent performance coach. He is a graduate of Waynesburg College where he was an all-conference defensive back and attended CFL/NFL tryouts in 1994. He is a certified Renegade Training practioner under world renown Strength & Conditioning Coach John Davies, and is a certified Speed / Agility and Quickness Trainer through N.E.S.T.A. (National Endurance and Sports Trainers Association)


Visit his website http://www.gamespeed.biz

Tuesday, March 10, 2009

How To Lose Money On A Fixer Upper

A fixer upper home seemed like a good investment, but we had little experience. We had bought, fixed and sold a home in Montana for a profit, and completed the project in only a few months. However, we were new to the Tucson area, and didn't quite have a grasp on the home values. In Tucson, two identical houses can be $50,000 apart in price if they are three blocks apart.

Then there was the fact that the styles are different from anything we had in Michigan. They put corrugated steel fences around expensive homes here, and the people talked about how pretty they are! If we were to do a fixer upper, it would be good to have some help figuring not only home values, but also what buyers want.

We went to the Arizona Real Estate Investors Association meeting, and I announced that we had money to invest in a fixer upper home. We were looking for partners. Our names and phone number were written down on the overhead projector along with the others, and about three days later we got a call.

Bill and Diane were nice people. They had an accepted on a house, and looking at the comparison sales they had found, it seemed like a good buy. They had rough estimates of the rehabilitation and remodeling costs, which is what they needed our money for. A third couple was involved, so the expected $75,000 profit would be split three ways. We agreed in principle to the deal, and arranged to meet the other partners at the house after closing.

Fixer Uppers Versus Remodels

Three couples with six opinions - this can be a problem. Why did the beautiful wood floors have to be torn up and replaced with carpet? Why they couldn't at least be carpeted over without the expense of tearing them out? My wife and I thought it a crime to stucco and paint the beautiful brick exterior of the home, but we were assured that buyers here like it that way better. The ceiling in the add-on family room was a bit low, but raising it seemed too expensive and unpredictable.

Plans became new plans, and weeks of stressful anticipation evolved into stressful worrying. Houses in the area were selling for less than we initially thought, that the rehab cost would be more than we thought, and all the other partners expected to do much of the labor, rather than hire it out. Projected profits dropped from $25,000 down to $10,000 each, and we felt there might actually be a loss.

We dropped the deal. Fortunately, the other partners had procrastinated for weeks on our signing of the joint venture agreement. They would find a way to do it without us and split the profit two ways. We learned that this wasn't a fixer-upper in any case - it was a remodel. As I write this, it is more than three months past the projected completion date, and the home still isn't ready to sell. I hope they make a profit, but I am happy to have avoided the months of stress.

Other Fixer Upper Lessons

At another meeting of our investment club, a man told us about a fixer-upper he had bought years earlier, using credit cards for a down payment. He still hadn't finished it, and it looked like he was going to lose a lot of money in the end. He had no plan, which broke rule number one of the list below:

1. Have a clear plan.

2. Make sure everyone involved understands the plan and agrees to it.

3. Know what the home will sell for before you even make an offer.

4. Subtract ALL the costs (purchase price, selling costs, repairs, loans, other holding costs) AND your desired profit from the expected sales price. This gives you the highest price you can safely offer.

Learning what to do is a start, but learn what not to do too. Learn from our mistakes and those of others. That way, you won't lose money on your fixer upper home.

Steve Gillman writes on all real estate topics. Visit his website for: 1. A photo of a beautiful house he and his wife bought for $17,500. 2. A free book on how to save thousands buying your next home. 3. A free real estate investing course. Visit http://www.HousesUnderFiftyThousand.com

Monday, March 9, 2009

Are Traditional Family Games a thing of the past?



Board games have evolved massively over the years. As a child my memories of board games were Monopoly, Draughts, Cluedo, Guess Who and many many more. All games that we could play as a family to pass the time away. Hours of fun was had by all.


My favorite game was Monopoly a game that give me an insight to Real Estate (ironically enough, I now have a career as an Estate Agent). Is that a coincidence or did my childhood obsession with Monopoly play on by subconscious?


Many Sunday afternoons were spent with my four sisters playing, or should I say rowing over this fabulous game. The first row would normally be about who would like to be the iron, shoe, car etc (these were the items that you had to chose from to represent you on the board as you played). My favourite was always the dog!


The next row would be about who went first, and then the next would be about who would play the role of the Banker.


Finally the game would begin, and how much fun we had. Hours and hours of fun week after week.


How things have changed? Today, whilst we still have the old traditional Board games, and I guess we always will, Games are far more advanced, and are often played on computers, or via DVD Players using your Television sets.


You can now play a board game on your own against a Computer (who will act as your opponent) as opposed to playing with friends and/or family. I find this quite sad, especially knowing how much fun we had as children interacting with each other, and observing each other as we rowed over such meaningless but then important issues.


I now see my own nephews spending hours on their own in front of a computer playing games without any physical human interaction, whilst their parents get on with other things. I guess one advantage is that if you are an only child you don't miss out on not playing games just because you had no-one else to play it with you. The Traditional games such as monopoly can now be played on a computer and the Computer can act as your opponent. You can even set what level of difficulty you want to play at.


The disadvantage to this, in my opinion is that the family getting together and interacting with each other seems to be a thing of the past.

About the Author


Saturday, March 7, 2009

Ultralight Backpacking Tent Tips On Choosing An Ultralight Backpacking Tent.




 



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
















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


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


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


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


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


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


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


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











About the Author:

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




Article Tags: backpacking, tarp, tent













Thursday, March 5, 2009

Medical Testing: Health By The Numbers Doesn't Work

Perhaps one of the most insidious dangers in modern technology is medical testing. Although it would be nice to be able to visit our doctor and get all hooked up with electrodes, inflatable cuffs, probes, needles and catheters and have a read-out telling us exactly how we are working and where there is a problem, that is a myth, not the reality.

Such testing creates false confidence and the illusion for people that they are being wise and practicing preventive medicine. But prevention is not detecting existing disease. Diagnosis is not to be confused with cause or cure. Not only do patients have these misconceptions, the entire medical industry does as well. Modern medicine is focused on naming diseases and treating symptoms, not preventing disease and addressing causes.

Medical tests (done on yourself or by others) give a false sense of control and knowledge. The better choice is to take every step we can to modify life-style and nutritional habits to actually create health, not simply live life with gusto and have yearly stress tests and mammograms. Waiting for disease (reacting to injury, which disease is) to strike and then taking action is certainly not an intelligent approach.

None of this speaks to the waste in much of the $200+ billion a year that is spent on laboratory and clinical tests. Not only do they drain our economy and not create health, they are often inaccurate and unnecessary. Some 75% of doctors surveyed admitted to performing more tests than necessary. In one study of 25,000 tests, only 20% of them reproduced the same result 90% of the time. In another study, 197 out of 200 were cured by simply repeating the same tests. (Wysong, RL. Laboratory self-testing. Wysong Health Letter. March 1992.)

This brings me to a serious danger of laboratory testing: a false positive or false negative. If the test is falsely positive, the emotional trauma from believing you may have a serious disease can be enough to create a disease. Thus a test can make a well person sick. A false negative could send you on your way happily believing that everything is fine and that no life modifications are necessary. Meanwhile, the disease continues to incubate and spread.

Medical tests have inherent dangers like any other medical procedure and should be submitted to only with that understanding. Even entering a hospital or doctors office poses the risk of exposure to infectious disease (nosocomial infection). A sterile needle to draw blood could result in a fatal (albeit rare) systemic infection. Squeezing breasts for a mammogram can activate dormant cancerous tissue and increase the spread of cancerous cells (metastases) by 80%. (Greenburg, DS. NCI blasted for mammography confusion. The Lancet. 345(8942): 129.) Pap smears are performed millions of times a year yet have never been proven to change morbidity or mortality. (McCormick, JS. Cervical smears: a questionable practice? The Lancet. 2: 207-209. 1989.) Ultrasound may influence fetal growth. (Newnham, JP, et al. Effects of frequent ultrasound during pregnancy: a randomized controlled trial. The Lancet. 342(8876): 887-91.) X-rays are always dangerous (carcinogenic) and their effects are cumulative over a lifetime. Vaginal and rectal exams can introduce infection. Cancers penetrated with biopsy needles may increase the spread of cancer to sentinel lymph nodes by as much as 50% over lump excision. It is estimated 1 in 20 liver biopsies result in new tumors. (Evans, GH, et al. Safety of and necessity for needle biopsy of liver tumours. The Lancet. 1: 620. 1987.) Let the buyer (patient) beware.
Health is something you do to yourself, not something others do to you with machines or analysis. Health by the numbers of cholesterol, blood pressure, prostate antigens, white cell count and the like is a fantasy. Subscribing to this idea will start you on a slippery slope of medications, medications to treat the side effects of medications, surgeries and other interventions that destroy health, not build it.

This is not to suggest that diagnostic tests are not important for refractory diseases or those to which no reasonable cause can be assigned. But as a preventive measure for healthy individuals the benefits of the practice are dubious at best. (See article on medicine as the greatest threat to health http://www.wysong.net/health/post77061902.shtml by the author.)

The best test of health is to evaluate yourself. If you feel well, leave well enough alone, no medical test should convince you otherwise. The best test is to examine your life-style and nutritional practices against the standard of genetic context. We are adapted to fresh air and water, sunshine, exercise and fresh natural foods. (See CD the master key http://wysong.net/Merchant2/merchant.mvc?Screen=PROD&StoreCode=WOTTPWS&ProductCode=EDCD21&CategoryCode=EDUAIDS&ProductCount=0 by the author). If you are not living as you are genetically programmed, do it. By so doing you will not only be preventing, but reversing disease. Its easy, cheap and has passed the test of time in being the best medicine ever invented.





About the author:
Dr. Wysong is a former veterinary clinician and surgeon, college instructor in human anatomy, physiology and the origin of life, inventor of numerous medical, surgical, nutritional, athletic and fitness products and devices, research director for the present company by his name and founder of the philanthropic Wysong Institute. He is author of The Creation-Evolution Controversy now in its eleventh printing, a new two volume set on philosophy for living, several books on nutrition, prevention and health for people and animals and over 15 years of monthly health newsletters. He may be contacted at Wysong@Wysong.net and a free subscription to his e-Health Letter is available at http://www.wysong.net.


Anabolic Hormones - A Two-Edged SwordDr Randy WysongWhen I was a young boy, emerging muscles were the coolest thing. If a vein popped out a little, that was even more awesome. There were no fitness centers or body building gyms to amount to anything back then (Stone Age). If you aspired to brawn, Charles Atlas paraphernalia advertised in comic books was guaranteed to help you turn the cards on the guy who kicked sand in your face on the beach last summer.

Back then, muscles seemed more legitimate if you earned them from work on the farm or from other labor. Muscles from exercise were thought of as sort of artificial. So I did lots of farm work and construction in the summers. But leaving nothing to chance, I also cheated by building my own weight set with a pipe that I would insert into the holes of cement blocks.

My dad was of the school that I had better be careful or I could get all muscle bound if I exercised too much. I guess he must have worried as he saw me in the back yard hoisting my pipe with blocks dangling from each end. But I loved the exercise and reveled in the pumped feeling in my biceps.

Sorry to sound so narcissistic. But its the way all of us guys thought. We would even compare bumps on the school bus every morning and banter about who could do the most push-ups. This is not to say muscles and fitness are still not important to me, but now I focus primarily on exercise that will help me stay healthy, in shape and trained for the competitive sports I play.

I bring this up not to brag or appall you, but as a backdrop for the current situation in the sport and bodybuilding worlds. Now that society is off the farm, exercise has become a perfectly legitimate way to replace the physical activity lost with modern living. The use of hormones to force the body to grow in a way it would never do naturally, however, is a perversion of what should be clean and healthy personal development. Anabolic hormones totally miss the point of it all. The freaky bodies that can result are aberrations, yet magazines are filled with their photo spreads as if drug induced bodies are icons we should emulate and aspire to.

Aside from the fact that only people with natural bodies and developed talents should compete in sports (otherwise drugs are competing, not athletes), the real tragedy is the toll on health any hormone can take. Of all the drugs I used in medical practice, hormones scared me the most. They could create dramatic and immediate results (and that is their allure), but hormone treatment continued for any length of time always seemed to come back to harm the patient and haunt me.

An example in humans is the use of testosterone patches in women to increase libido. Take them very long and although your passion may be triggered, your voice will deepen and a beard will start to grow (not so good for the libido of the husband). Corticosteroids for allergies can result in extremely serious adrenal gland diseases, immune suppression and vulnerability to infection. In veterinary medicine the same things can happen. One situation I am reminded of that occurred many years ago was related to hormones given to dogs for birth control. Years after discontinuing the drugs, treated dogs would present to veterinarians with life threatening illness, extreme thirst and white blood cell counts off the charts. When their enlarged abdomens were surgically explored, a gigantic uterus would be found filled with pus quarts of it! All this just because a little ole hormone was given years ago without a hint of an immediate ill effect.

You see, the body is extremely wise. It is not fooled or endlessly forgiving. If you break your arm and put it in a sling, the muscles dont grow bigger, they atrophy. Why? Because the body is also efficient. Why grow muscles or even maintain them if they are not needed? When the sling is removed, the arm will have lost much of its strength. The body shuttled its resources into building bigger muscles in the arm that had to do double duty. Its a very pragmatic thing. The body doesnt pay attention to your agenda; it just does what it must to stay alive, make do and meet stress.

The same thing would happen to both arms to your whole body if you had servants do everything for you as you reclined in an easy-chair. Then, if all of a sudden you had to get out of the chair and run a mile or lift 200 pounds to survive, you wouldnt make it. Your wasted and weak body could not rise to the challenge.

Hormones are like a metabolic sling placed on the hormone producing glandstesticles, ovaries, adrenal, thyroid, pituitary, etc. They replace the hormones that the glands normally produce. When this happens there is a negative feed-back: the more hormones from the outside that are introduced into the body, the less the glands do what they no longer need to synthesize hormones. So the metabolic muscles (glands) that create hormones atrophy. If all of a sudden the outside source of hormones is withdrawn, your weak and withered organs may then not have the strength to take up the task again and supply hormones. Since about every function in the body is hormone-influenced, and every hormone interacts with every other hormone in some way, catastrophe results. Is it any wonder that modern anabolic body builders are also racked with heart disease, cancer, immune disorders, digestive failure and metabolic disorders in their (early) later years? The use of anabolic hormones is most certainly a case of desire being a ruinous tenant of its landlord, the body.

Consider this also with regard to anabolics. A normal body weight of 170 lbs. can be changed to 250 lbs. of solid muscle. To get there, massive amounts of food have to be consumed. Yet digestive muscle is not being built to keep pace, So the digestive tract and associated organs (liver, pancreas, gall bladder) suited for maintaining a 170 lb. body is forced to digest and assimilate extremely large amounts of food? The result is digestive exhaustion and resultant damage that can last a lifetime. Most of us suffer some digestive problems and intolerances as we age due in large part to eating abuses when we were young. Note the number of television commercials hawking stomach remedies. Body builders force feeding can exaggerate this damage leaving a ruined digestive system tolerant of little more than Maalox..

A huge number of high school kids are trying to get big with steroids. What an incredibly dangerous proposition for them. Parents, be aware that this is not innocuous. If the plea is that a little wont hurt, particularly if they are cycled properly, dont buy it. If the argument is that taking them is the only way to excel in a sport, then change sports. Insist.

For you adults who are toying with the idea of taking hormones for one reason or another, think long and hard. Read the contraindications and cautions on the drug insert sheets. Take heed. Find other ways to stimulate your bodys own natural ability to enhance or improve itself through exercise, lifestyle and nutrition. Dont put your organs in slings and then expect long-term benefit.

The piper will always be paid.



About the author:
Dr. Wysong is a former veterinary clinician and surgeon, college instructor in human anatomy, physiology and the origin of life, inventor of numerous medical, surgical, nutritional, athletic and fitness products and devices, research director for the present company by his name and founder of the philanthropic Wysong Institute. He is author of The Creation-Evolution Controversy now in its eleventh printing, a new two volume set on philosophy for living, several books on nutrition, prevention and health for people and animals and over 15 years of monthly health newsletters. He may be contacted at Wysong@Wysong.net and a free subscription to his e-Health Letter is available at http://www.wysong.net.


Health And The Economy Dr Randy WysongWe normally do not think that health is related to economics other than with regard to the costs of medical care. But there is another more fundamental way money impacts our wellbeing. If you could not pay your bills or had to worry about where the next meal would come from, would you be thinking about health, or survival? When we are trying to stay alive moment-to-moment we dont think about food choices, supplements, organic farming, animal welfare or environmental issues. Those considerations are a luxury dependent upon economic capability. But they are a luxury we must have if we are to live a reflective life and survive on planet Earth. Without a robust economy, you can pretty much forget about people being environmental, health conscious, or even civil to one another. In starving nations, war is endemic, disease rampant and the environment is only a raw material to be ravaged to hopefully live to the next day.

The emerging world economy will ultimately place great economic stress on the United States. It already has. Thousands of jobs are being lost to overseas companies employing workers requiring a fraction of the wages demanded here. People in America increasingly try to maintain a standard of living through debt. This is great for all the banks popping up on almost every street corner, but bad for the people. Just in the past year there have been almost two million personal bankruptcies declared.

To compete in the marketplace, companies must keep their costs down. If that means shifting manufacturing elsewhere, thats what will be done. India, China and other Eastern rim countries are the beneficiaries of this shift in manufacturing and labor pool. While American workers are clamoring for things to return to the way they were with high wages and generous benefits, workers in developing countries are happy as can be having a job for five dollars a day.

This trend will not go away with buy American banners or political rhetoric about treaties, minimum wages and outsourcing. The global economy is here to stay and that will mean the American standard of living will retract and the developing worlds will improve. Expect a decline in the standard of living, falling wages and investment insecurity.

Government is not the solution, since it produces nothing but only takes. Government saps an economy, it does not create it. The more that government is hands off, the better the economic vitality. A robust private sector economy (environmentally responsible), on the other hand, is not the enemy as it is so often portrayed, but is critical to financial vitality. Capitalism is not in itself a demon since it merely provides the mechanism for prosperity and with that the opportunity for a society to focus on matters of health and altruism. It works well if ambition and hard work, not merely greed, are its tools.

The inevitable decline of our standard of living is an inevitable and irreversible trend for the foreseeable future. It should concern us not because we want to see American super abundance continue, but because those who are unaware and get caught as casualties in this economic downturn will suffer in so many ways. The world is no longer business as usual.

Good health is not just about diets, supplements, organic foods and aerobics. Its also about being safe, like driving carefully, not standing on the top of a stepladder, wearing safety glasses when chipping stone...and working hard, keeping our financial house in order and supporting societal choices that do the same.

Life is not surety, and neither is our economy. Nevertheless, hard work and prudent management will never be replaced and is as close to security as we can ever get. It, not entitlements and guarantees, is what ultimately creates the financial footing we need for good health and a sustainable, better and more peaceful world.




About the author:
Dr. Wysong is a former veterinary clinician and surgeon, college instructor in human anatomy, physiology and the origin of life, inventor of numerous medical, surgical, nutritional, athletic and fitness products and devices, research director for the present company by his name and founder of the philanthropic Wysong Institute. He is author of The Creation-Evolution Controversy now in its eleventh printing, a new two volume set on philosophy for living, several books on nutrition, prevention and health for people and animals and over 15 years of monthly health newsletters. He may be contacted at Wysong@Wysong.net and a free subscription to his e-Health Letter is available at http://www.wysong.net.



Wednesday, March 4, 2009

How to Get PSP Games Quickly And Easily..


Do you know the lastest PSP games nowadays? Or how cool would it be
to be able to play old Nintendo or Sega games on your PSP?


Just like the PlayStation 2, the PSP was designed to do more than play
games, though playing games is, of course, its main function. So how
does the PSP hold up in comparison to other handheld game consoles like
Nintendo's GBA and DS? And is it any good as an MP3 player or a portable
video player? PSP is the first truly integrated portable entertainment
system designed to provide consumers with a comprehensive entertainment
experience including music, movies, communication, and wireless networking.
PSP features graphics rendering capability comparable to that of the
PlayStation 2, allowing users to enjoy 3D games, with high-quality,
full-motion video, and high-fidelity stereo audio. The PSP also adopts a
newly developed proprietary, compact, but high-capacity optical disc,
Universal Media Disc (UMD), as its storage medium. Personally, I think
it's a great machine all around, and I use most of its functions on a
regular basis.


As its name suggests, the PSP -- or PlayStation Portable -- is a smaller,
lighter version of Sony's PlayStation. It's not as powerful as the PS2,
but more powerful than the original PlayStation, and it has a built-in
screen and speakers so you don't have to plug it in to anything to use it.


Unlike the PlayStation or PlayStation2, the PSP comes equipped with Wi-Fi,
so you can connect with other players wirelessly and, if your firmware is
version 2.00 or higher, get online to browse the internet.


But what about the games ?The good news is that there are around 30 games
out now, with more to come before Christmas


The highlights are Virtua Tennis World Tour and World Tour Soccer. The former
is a cracking tennis game that is highly addictive and has a real one more
go feel. WTS meanwhile, is a surprisingly decent footy game, that does the
decent thing and rates Southampton as better than Spurs.


Other games to watch include MediEvil Resurrection - a well-presented hack n'
slash - and the driving game Ridge Racer.


Sports fans are well catered for on launch but the real recommendation is the
cute Everybody's Golf.


If you fancy something different then try Fired Up - a vehicular combat title
set in a series of GTA style cities. Talking of GTA, Liberty City Stories is
due out in October and set to become massive. Puzzle games Lumines and Mercury
are worth a look too.


Children will enjoy Ape Academy, but overall the launch titles highlight the
older demographic Sony is looking for.


The high profile lineup includes a wide range of products that will appeal
to every type of gamer - from the sports fan to the action enthusiast -
providing consumers with the ultimate entertainment experience in the palm
of their hands.


How can I transfer the movies to my PSP?


Once you have downloaded any video format (a movie, a music clip,
a TV show, etc) the only thing you need to have
is a USB cable and you're set.


How much does it take to download a game? Is it a complicated
process?


Searching and downloading a game is not at all a complicated process,
even if you use a regular 56K internet connection. Obviously, using a broadband
connection will give you a much faster download experience.
http://tinyurl.com/jd8zy

About the Author

My name is Nick Lim and I want to thank you for reading my
article.As revealed,if you want to know the latest PSP games from all countries and
even imported from Japan or you want to play old Nintendo or Sega games on
your PSP.Take three minutes and visit this site to find out more..


Tuesday, March 3, 2009

Home Sales Set Record for First Half of 2006

Resale housing activity in Canada?s major markets in the first six months of 2006 surpassed all previous records for the first half of any year, according to statistics released by The Canadian Real Estate Association. Sales activity remains on track to set a new annual record in 2006 even though further expected price increases and recent mortgage rate hikes will cause transactions to soften marginally in the second half of the year.

Actual (unadjusted) home sales via the Multiple Listing Service? (MLS?) in Canada?s major markets numbered 186,177 units in the first half of 2006 ? up 3.6 per cent from the previous record for first-half activity set in 2005.

Surging activity in Calgary and Edmonton remains the driving force behind the continuing strength of national residential sales activity. New records for resale housing activity for the first half of the year were set in a number of major markets including Calgary, Edmonton, Regina, Saskatoon, Winnipeg, London, Sudbury, Ottawa, Montreal and Quebec City.

Seasonally adjusted MLS? home sales in the second quarter of 2006 numbered 84,391 units ? down just slightly from the record levels posted over the past year. Actual (unadjusted) sales reached the second highest level on record for the second quarter period, and were less than 0.5 per cent below activity levels reached during the second quarter of last year.

Seasonally adjusted home sales activity eased by less than one per cent from the previous month to 28,185 units in June 2006. Monthly sales activity ebbed in Toronto, Edmonton, Halifax, and a number of other markets, which more than more than offset monthly gains in Calgary, Ottawa, Vancouver, Winnipeg, Montreal, and London.

Actual (unadjusted) MLS ? residential new listings totaled 308,923 units in the first half of 2006 ? a new record for the first six months of the year, and the highest level on record for any six month period. New listings were up by 4.6 per cent from the first half of last year. They were 2.3 per cent higher than the previous record set in the first half of 1990, which is the only other six-month period on record in which new listings topped 300,000 units.

There are no signs that new listings have peaked, as seasonally adjusted quarterly and monthly new listings reached their highest levels in more than 15 years. Driven by increases in Victoria and Montreal, seasonally adjusted new listings in the second quarter reached the highest level since the fourth quarter of 1990. A rebound in Calgary helped to push major market new listings to the highest monthly level since May 1991.

The major market MLS? residential average price at mid-year was up by 11.8 per cent compared to December of last year. It was also up by 12.2 per cent year-over-year in the second quarter, which tied with the second quarter of 2004 for the highest year-over-year price growth of any quarter in the past 15 years. The 6.8 per cent jump in price from the last quarter was also the highest quarterly increase since 1989. Average price in the second quarter of 2006 set new quarterly records in almost every major market in Canada.

The major market MLS? residential average price reached $304,328 in June ? up 11.8 per cent from the same month last year. Average price has posted double-digit year-over-year gains in every month during the first half of 2006, and reached the highest monthly level on record in June in Calgary, Edmonton, London, Montreal and Quebec City. Average price edged down slightly from the record levels reached in May 2006 in a number of other markets.

?With interest rates having peaked, strong employment and rising after-tax incomes will no doubt keep resale housing activity strong over the second half of the year,? said CREA Chief Economist Gregory Klump. ?The housing market is tightest in Alberta, where a sizzling job market is stoking buyer demand and fueling remarkable price increases.?

?The rise in new listings in Montreal and Toronto gives buyers in those centres a wider selection of homes to choose from, and will keep price increases in those markets below those for major markets in British Columbia and Alberta,? Klump noted.

http://www.tomwhitfield.ca