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Real Estate Financing

It’s not easy to buy a first home, so here’s a suggestion that may be surprising: Instead of buying one residence, buy several. What I’m suggesting has nothing to do with late night infomercials or books that promise fast and easy wealth from real estate. Instead, many first-time buyers can benefit from an interesting quirk in the mortgage system.

When you hear people talk about “real estate financing” they generally divide mortgages into two categories; loans for owner-occupants and more expensive and tougher loans for investors.

“Investment financing” is for buyers who do not physically reside at a property. “Owner-occupant” loans are for homes, the places where we stay at night, the phone rings and the car are parked.

But there’s a wrinkle:

Owner-occupant financing with little down and low rates is typically available for the purchase of more than a single-family house. Normally you can get owner-occupant financing for properties with one-to-four units as long as you use one as your prime residence.

In other words, your status as an owner-occupant allows you to buy more than just a house or condo. You can actually buy property that produces rent and increases your tax deductions.

When you buy properties with two-to-four units the world of real estate financing changes. Lenders will apply most of the rent to your income for qualification purposes. This means you can borrow more — and also that you can offset loan costs with the rents such properties produce.

Suppose you buy a property with four units. You’ll live in one and rent the others. Each of the three rental units has a fair market rental of $1,000.

In this situation, you’re likely to get two benefits. First, the lender will count some portion of the rent — say three-quarters — as income for you when determining your qualification standards. In other words, $2,250 a month will be added to your income. ($1,000 x 3 units = $3,000. $3,000 x 75% = $2,250)

Why $2,250 and not the whole $3,000? Because the lender assumes you’ll have vacancies, repairs, insurance, taxes and other costs for the rental units.

The lender also assumes something else: For tax purposes, three-quarters of the property in this example will be “investment” real estate. When reporting your income taxes you’ll list your rents and costs for these units. One of these “costs” will be depreciation, an accounting device that will lower your taxes but take nothing in cash from your pocket.

When lenders see depreciation they “add back” that cost when looking at your monthly income. The result is that your effective monthly income for loan qualification purposes will increase even more than $2,250 in this example.

Buying two-, three- and four-unit properties can make great sense, especially for first-time buyers. You’ll have “help” meet monthly mortgage payments, especially in the first few years of ownership — the time that’s often the most difficult. Later on, if you elect to move you can sell the property or you might choose to keep it and just rent out the unit had been your residence.

As with all investments, neither annual income nor rising property values can be guaranteed. Some owners may feel uncomfortable having tenants so close and there’s always the potential for insufficient rents, excess vacancies, and big repairs.

Also, beware of going too far. While up to four units are okay, five units automatically classify the property as “investment” real estate under the guidelines for most loan programs, a title which means you cannot use owner-occupant financing even if you live on the property.

The good news, though, it that as an owner/occupant and also as a landlord you’ll learn a lot about the practicalities of real estate investing.

Real estate ownership requires ongoing maintenance and oversight. As an owner-occupant with a few units, you’ll learn “on the job” about making repairs, dealing with tenants, hiring contractors and maintaining the property. These are valuable lessons which can provide income and wealth over a lifetime. In fact, many people who’ve become successful in real estate often started with just one small property, owner-occupant financing with little down — and two to four units.

For details, speak with appropriate professionals. Lenders can tell you about available financing; real estate brokers can provide information regarding local rental patterns plus you’ll want a pro to explain the tax benefits of multi-unit ownership.

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Black and White Photography

You know, there is something that is definitely more artistic about black and white photography. I know I am getting a little away from the overall concept of digital photography. But as a photographer, you will no doubt run into the phenomenon that is black and white photography.

I can remember vividly a photography named Michael Zagaris who is the team photographer of the San Francisco 49ers. He said that he was just captivated by the use of black and white photography. The way the light and the shading are so much more evident. This helps contribute to the overall feeling and emotion of the moment that the black and white photo captures.

Some of you may be saying to yourselves that color photography has surely taken the place of black and white photography, and I would say that for the most part, you are correct. An interesting note here is that black and white photography still holds a degree of nostalgia for most photographers, amateur and professional alike.Perhaps one reason for this nostalgia is of course that photography was first taken on black and white film. Not only that, but many photography students are tasked with taking black and white photos when they are in their first photography classes. I know in my first digital photography class I was astounded at the very idea. Only later when the photos were developed did I truly start to appreciate black and white photos.

Therefore if you are an amateur or even experienced photographer, I would encourage you to give black and white photography a try. I think you will be pleasantly surprised at the level of sophistication it takes to really pull off a great black and white photo. After that, you may be able to take in some advanced photos such as adding one stream of color. You may have seen these kinds of photos before when the photographer allows one color to be very evident in a black and white photo. For instance, I can remember a picture of a little girl in a black and white photo, but the coat she was wearing was bright pink. It was the great moment to capture.

As for taking the black and white photos themselves, more advanced digital cameras have gray-scale mechanisms that allow to this. Also, you can have the color picture converted by using a digital photography software such as “Photoshop.” Give yourself a chance in black and white photography. I think you will be pleasantly surprised by the results.

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PHOTOGRAPHY SERVICES

Photography is the art of reproducing pictures of people, objects or places in their exact likeness. These images can be transferred on any photosensitive material. Photography includes taking and printing pictures.

The backbone of photography is the camera, the instrument or device that works on the principle of optics. The camera and photographic techniques have undergone phenomenal changes since the time the first camera was made. The earlier model did not contain the film; instead, it had a small light-shield box with a lens and translucent screen on either side. The image that traveled through the lens was stored on the screen. Known as ‘camera obscura,’ it was no more than a sketching device for artists.

Then the scientists discovered the quality of silver nitrate that changes its color when exposed to light. This was the beginning of photogram, a method of making permanent images.

They would place objects on the paper dipped in silver nitrate and expose it to the sunlight. After some time the area covered under the object stayed white while the rest of the space turned black. However, the image formed was temporary, so the method did not last long.

Over the centuries, the principles, the method and the material used in photography went through many changes. After experimenting with various methods like Daguerre and calotype process, finally, collodion, or the wet plate technique was universally accepted.

Modern photography has given a totally new meaning to the entire perception of life and privacy. Photography has made it possible to capture and preserve special moments, in private and in public life. History became more authentic with pictures, and photographs served as evidence in many cases. People made their family tree in their albums. Suddenly life was so much more fun and meaningful.

With the tremendous technological advances in the art of photography, it is no more just fun and frolic but has acquired the dimensions of a full-fledged profession. Photography has many branches and types, such as:

– Aerial photography is the art of taking photographs from the air.

– Art photography is devoted to beautiful pictures for the sake of beauty only.

– Studio or advertising photography is dedicated to the promotion of products and institutions.

– Photojournalism takes pictures of events to support the news story and to create awareness among the people.

– Outdoor and travel photography is focused on taking pictures of landscapes and natural places.

– Sports photography records images of the sporting events and games that take place in the world.

– Some types of photography like the macro and scientific and macro or close up photography are restricted to specific fields and are not widely known.

The charm of photography lies as much in the end product as in the process of taking pictures. Looking at an album is like taking a trip down memory lane; it makes us feel highly nostalgic and emotional.

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Offshore Banking

What is offshore banking?

Offshore banking can be defined as using the services of a bank located in a different jurisdiction or country than the depositor resides in. Offshore banks are usually located in places considered as tax havens and also provide additional confidentiality and security for the depositor.

The term offshore was originated from the British Channel Islands, tax havens located literally offshore from the United Kingdom. These were the original tax havens and they started the usage of the term offshore for describing the industry. Those islands became major international banking centers because of those tax benefits and regulations. They were optimal places to hold assets abroad or save and invest.

Offshore bank accounts are often less regulated than domestic banks due to fewer restrictions from their governments. This allows for more types of offshore banking accounts and ways in which they can be manipulated.
Offshore banking has become a major worldwide business that circulates $2 Trillion every day. That’s a far shot from just a few decades ago where there was a very limited number of offshore financial centers, which were usually surrounded by myths of drug money and illegal activity.

What services are available?

Just like with your regular domestic banks, you can obtain a full spectrum of services can be obtained from your offshore banking center.

These services include personal and corporate checking and savings accounts. These offshore financial centers also offer secure internet banking facilities that allow for wire and electronic funds transfers, debit and ATM cards which are accepted, worldwide, credit cards, Loans and mortgages. Some even go so far as offer Anonymous numbered accounts to provide for extra confidentiality.

Investment management and custody is also provided by some banks. They also have Corporate Administration services, trustee services, fund management and foreign exchange. Banks tend to specialize between retail and private banking, so all the listed services might not be available at every bank. retail banks tend to be more economical and offer standard services. Private banking services, while more costly than their retail counterparts, tend to offer more personalized services for their clients.

Advantages

Privacy is the first to come to mind, considering that offshore entities have no obligation to release any of your personal or business information. Unless evidence can be shown proving your involvement in criminal activity, your information will not be given to any governing body or tax authority. Pretty much, they can’t sue for or seize things which they don’t know exist.

Because of offshore banking centers usually being located in Tax havens, your assets can grow almost free from any form of taxation. Thus, tax efficiency is another important benefit of holding assets overseas. This does not mean that you can avoid taxes altogether. There may be tax liability when trying to retrieve your assets to your country of residence.

Asset Protection is another one of the main benefits offered by offshore banking services. Holding offshore accounts gives you protection from Invasive bureaucracy, lawsuits, and it also protects your assets from seizures.

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Buying a Home

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Commercial Real Estate Tips

In this day and age, there is not enough information that you can get in regards to commercial real estate. You might not only need help making your own new decisions, but you may also need to solidify what you already know. This article should help you due to the clear and concise manner that information is provided.

With commercial property values being so high, it is important to seek out partners who can share the cost and the investment with you. This helps guarantee financing. Of course, these people need to be people you can trust, and the deal that is worked out needs to be engaging for all parties so that trust is kept.

When dealing in commercial real estate, never act in haste and end up making a bad decision. Commercial real estate deals do take longer than family houses do. Everything takes longer: completing the purchasing transaction, re-modeling the property, getting it sold. This is not a negative thing, but just something to keep in mind.

Commercial real estate is very good for two primary purposes. The first way to invest in real estate is to come up with an idea for a business and purchase the land. Another good investment opportunity is to purchase the land but then rent it out to another businessman.

Acquire a current appraisal of the property before you go to a lender and ask for financing. This appraisal will help you in getting financing as well as making the final decision about how much money to offer the seller of the property. Knowing the property’s true worth is going to help you in many ways.

You should always consult an expert if you are interested in buying large amounts of real estate. There are many people out there that try to make plans to do large real estate deals alone and they inevitably fail. Have someone in your corner that knows what they are doing.

If time is against you in regards to buying commercial property, make sure that you are never forced to make a transaction. Making a bad decision is worse than making no decision at all, as you should only sign on to things that you believe in. This will allow you to get the best bang for your buck.

Be patient! Commercial real estate deals take much longer! Don’t be discouraged by not closing your first deal yet! Just like anything, real estate has a steep learning curve. It will take extra long to get used to it – screen the deals and make offers and such.

When financing your commercial real estate endeavors, one vital thing to keep in mind is to always negotiate for the best deal. The first offer you receive is very rarely the best one you can get. Stand up for yourself and your business, and show potential lenders that you are serious about your success.

In conclusion, you cannot get enough data about commercial real estate. Hopefully you were able to clearly absorb all of the tips and tricks provided. With the details provided in this article, you should be able to not only make wise choices on your own, but also be able to provide others with beneficial information.

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TAX SERVICES

The Federal, State, and local Governments have established a long list of publications to help taxpayers learn about the tax system. Businesses need access to a variety of tax services to perform daily business operations and these publications will teach small business owners how to fill out tax forms correctly. Tax services are provided free of charge to those that contact the Government agency for guidance by telephone or through regular or electronic mail services.

Government agencies will provide tax services such as audits when discrepancies are noted on individual or corporate tax returns each year. This is one tax service that every American wants to avoid because penalties can be accessed for errors and audited tax forms usually mean that the taxpayer will owe additional monies. Some people might rely on a tax consultant for advice before they will attempt to file taxes on their own and this expense is justified by corporations who amass millions of dollars in revenue each year.

Accountants will use these tax forms throughout the year to ensure that all taxes are paid on time because late payments will accrue late charges that could result in the company paying thousands of dollars in penalties. The publications will contain tax schedules that might seem confusing at times, but with one simple telephone call the accountant can verify if the tax computations in use are the correct ones.

Millions of people in the United States will order publications to help them prepare tax returns every year. The Internal Revenue Service provides a limited amount of tax services directly with the public but will provide publications that explain tax-filing procedures completely. Many publications will contain sections for handling frequently asked questions and taxpayers can contact the Internal Revenue Service by email if some information is still unclear.

Tax laws change every year and preparing tax returns can be perplexing to many people. Many taxpayers will place the responsibility for preparing tax returns each year in the hands of a tax services specialist. Every tax specialist is thoroughly trained in business and individual tax filing needs and those that prefer to fill out tax forms on their own can arrange to attend classes on tax preparation. Accessing information about these classes is as easy as reading advertisements in local papers.

Taxpayers who prefer to file taxes electronically have access to a wealth of information on taxes in the database contained on the tax preparation software. The databases will clarify every factor concerning taxes in a block-by-block breakdown. The computer program will query taxpayers on the information that is needed to complete tax forms such as personal information requirements, business assets, incomes, inventories, and charitable contributions.

Accessing information about tax services through the internet search engines is an easy way for taxpayers to keep current with the current tax structure. Some taxpayers need more information on paying a tax debt and through the internet they can find tax service help that is provided by financial professionals that were previously employed by the Internal Revenue Service and are thoroughly familiar with the way audits are done.

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Mobile Privacy

How secure is the data on your smartphone or tablet? True, unless you’re a major celebrity, getting your phone hacked probably won’t make national headlines and your personal photos won’t be splashed all over the Internet. But even without major press…

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Niche Marketing Strategy

If you are thinking to start any online presence activity such as starting a new online business, making money from internet, building your business online spots, … etc, the most complicated and difficult to answer question is: Where to start…

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Work Sample: Building the WHOLE Online Presence !

Here is an example on how to build a website that sells a products, extremedronecameras.com is a website that sells all types of drone cameras, always it runs Google Adsense ads, it an example on how to create an online presence to promote a product…

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Keys to a successful online campaign

Successful online campaign Do you have website, Facebook page, YouTube Channel, Twitter account ? Of course you need visitors, fans, viewers and followers for your online spots, that is what we call ” Traffic “. What I am doing is to driving, monitoring,…

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Hot Stone Massage

Heard about hot stone massage? Have you tried indulging into this kind of therapeutic practice? If not yet, then I bet it’s now time for you to know what a hot stone massage is and what it can do for you.

The concept of hot stone massage has become widely valued and accepted in the healthcare industry today and a few years back. Numerous reports have in fact noted that from the past four years, hot stone massage became the rage of therapeutic centers, spas, salons, and clinics all over the world. Today, the concept is widely recognized as one of the most effective enhancement to the regular and traditional massage therapy practice.

Origin of the Therapy

Contrary to the popular belief, the concept of hot stone massage was not first recognized in the desert of Arizona, or by the visions of saints as once claimed by the massage therapists. The truth of the matter is, hot stone massage’s origin can be traced back 5000 years to India, with the ancient healing tradition of Ayurveda. According to some researches, this therapy originated from those healers who have used rocks from the river beds and warm them in either hot water or hot coals before using them to treat any feeling of discomfort in the body. It is through this practice that the concept hot stone massage therapy was born.

The Basics

Hot stone massage, also known as heated stone or la stone massage, is said to be a unique sort of connection that people experience with nature. This labeling perhaps stems from the fact that hot stone massage involves the use and application of water-heated basalt stones of varying shapes and sizes to heal whatever sort of imperfections there is in your system.

The stones are usually placed on the key points of the body, like the spines or the hands, while the therapist is giving a deep massage. According to some experts, the heat on the stones, when directed to the key points of the body, creates dramatic and profound results as it relieves the tired and fatigued muscles. Aside from this, many of those who acknowledge the capabilities of hot stone massage claim that the warm stones will greatly encourage the exchange of lymph and blood circulation throughout the body.

The wonders of hot stone massage don’t just end there. Many have further said that hot stone massage will even calm the nervous system, relieve stiff muscles, open the tight joints, and free blocked energies in the body, allowing the body to function the way it used to be.

To sum it all up, here are the benefits that hot stone massage can give you:

* Improves circulation
* Stiff muscle relief
* Opens tight joints
* Soothes the nervous system
* Releases blocked energies
* Aids deeper relaxation

With all these benefits, it’s no wonder that hot stone massage is now deemed ideal for people who are highly sensitive to deep pressure. The technique is also considered as best for those who are affected by fibromyalgia with the heated stones gentleness and smoothness. And, since the stones provide relief from tired and fatigue muscles, the hot stone massage is no doubt great for those who have passions for skiing and hiking.

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Online Marketing Made Easy

For anyone interested in growing their business or maximizing the return of their marketing spend, online marketing is one of the most effective means of doing so. Online marketing is effective as a part of a well developed marketing plan.

What is Online Marketing?
Online marketing has come to mean many things. You can consider online advertising, search engine marketing, affiliate marketing, and even SEO (search engine optimization) as online marketing. It has also changed and evolved over the last decade. With the advent of Google Adsense and other forms of targeted, pay-per-click advertising, online marketing means a whole lot more than 468 X 60 banners.

When thinking about the types of online marketing available today, you really need to think about the objectives of your online marketing spend. Are you looking to sell a product? Drive prospects to your web site or marketing pages? Create awareness for your company? The most important thing to remember is that your online placement, creative, and offer must be consistent across the web and your own website or retail establishment. This creates a seamless buying experience, increasing the odds of a purchase being made once a browser clicks on your online marketing creative.

As mentioned previously, online marketing also includes affiliate marketing – a method of utilizing partner sites to distribute your products or services. One of the best methods of developing an affiliate network is by providing content in addition to an aggressive affiliate commission plan. Other web sites seek out content and useful information. If you can provide meaningful content to partner sites with an opportunity to earn money at the same time, they’re likely to participate in your affiliate program.

It’s important to realize that Search Engine Optimization is also a component of online marketing. Too often, SEO is not considered part of the online marketing mix. However, it is one of the most important aspects of an online marketing campaign. When launching a new product or marketing an existing one, make sure that it’s easy for individuals to find your website and offer page. Browsers who see your online ads may not click right away. Rather, prospective buyers may later be searching for your promotion when a specific need arises. Think about the keywords prospects may use to search for your offer and optimize your pages accordingly. Also, be sure to link to your promotional pages from your web site’s home page to optimize search result rankings.

Why is Online Marketing Important?
Online marketing often provides direct responses and the ability to measure campaign effectiveness. This immediacy helps you to test your offer(s) and creative, as well as measure the overall return on your marketing investment. Having the ability to evaluate effectiveness in real time allows you to reposition your marketing spend or switch out creative to increase results.

With more than 68% of homes having internet access and about two-thirds of them having a high speed connection, the web has become a reality. If you wish to reach the majority of consumers, you need to include online marketing as part of your overall marketing mix. Online marketing also gives you the opportunity to segment your market, providing highly targeted positioning. Unlike traditional advertising, online advertising allows you to select the sites upon which you run your ads. There are also many services which help you deliver ads around appropriate topics or contextual pages.

Best know for contextual and pay-per-click advertising, Google allows you to choose specific keywords around which your ad can be displayed. When individuals search on the keywords you’ve selected, your ads will appear. The power of Google is the affiliate network they’ve created which displays their contextual ads across hundreds of thousands of websites. Despite recent allegations of click fraud, Google still provides one of the most targeted online marketing options. Other services, like Overture, owned by Yahoo! provide similar services that deliver targeted online marketing.

Who Can Benefit?
Anyone who is interested in improving their marketing results should think about the role that online marketing plays in their marketing mix. Because there are so many ways to engage in online marketing including advertising, contextual ads, pay-per-click advertising, affiliate programs and more, the practice is sure to benefit anyone who is seeking a measurable return on investment.

Before beginning any online marketing campaign, you should always determine your budget – how much you’re willing to invest in your marketing efforts. Ask yourself how much you’re willing to spend? What type of conversion will you need to break even? What you anticipate your click to purchase ratio will be? Understanding these fundamental financial metrics is essential to determining how much you’re willing to spend on your online marketing efforts.

How to Begin.
Starting your online marketing campaign can be as simple as bidding on a few keywords or as complex as developing a comprehensive online marketing campaign that consists of multiple buys across a network of websites. As with any new marketing venture, it’s best to start small and work your way up to more intricate marketing campaigns.

My recommendation for beginning your online marketing initiative is to focus on your own site (developing promotional banners, buttons, and content), creating an affiliate program, and pay-per click advertising. The first two methods should cost little or nothing to implement and will propel your campaign forward. Supplemented with pay-per-click advertising, your marketing message is sure to reach your intended audience.

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Tropical Cruises

Tropical cruises are best way to get out of your busy schedule and have a little break. These cruises also serve as a best trip for honeymooners since they can spend a lot of time together. With a tropical cruise you need not worry about your stay or a place to have your lunch and dinner which is done when you go for some onshore locations. Everything you need is made available in the tropical cruise itself. Pack your bags for set out for an exciting vacation on a tropical cruise!

The tropical cruises have a lot of activities going on during the travel and this gives you the perfect evening to romance most of the time. These cruises serve as a floating resort. If you go alone then you are sure to get a few friends in the cruise. This might even be a turning point for you in your life. Cruises for couples and singles are operated separately sometimes. These are meant to give the perfect setting for the perfect escape from the busy schedule you have regularly. There are people who found their partners on such escape trips in tropical cruises. So why don’t you try it?

Choosing the type of cruise for your travel is an important part of your trip. There are different types of cruises available. The types are standard, first class, and luxury. These have different facilities for the comfort of the passenger. Everything you have in your home can be provided in the tropical cruise also. Most of the time you get more than that!

The standard tropical cruises carry a lot of passengers and hence these are more crowded than the other types of cruises. However you get lots of activities going on in there with nice entertainments and cabins. These standard cruises are suitable for people who want to spend their vacation within their budget. You can start your trip with this budget cruise and then book on other cruises on the successive years. If you have not traveled on a cruise till now, these standard cruises can be tried now.

The first class cruises have more attractive rooms for staying with different dining choices and options for romantic evenings. The luxury cruises have the exciting facilities for your stay. Rooms with balconies or suites are available in these cruises. Spas and health clubs are also available in these cruises. Exquisite dining is available. If you want a romantic experience then you can choose these luxury tropical cruises.

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Commercial Real Estate

Investing in commercial real estate is a very rewarding task. Investors gain commercial property with the help of lenders, that may be used for business ventures. Before you make your first investment as a commercial real estate investor, there are some things you must know. The following article will provide you with advice for commercial real estate investment.

Urban and suburban investors in commercial real estate think only about what is visible to them on their daily travels, such as apartments, office buildings and retail buildings. What don’t you see everyday? Industrial properties are out of sight usually, but still need owners and tenants, as do mobile home parks, undeveloped pieces of land and even houses of worship occasionally. Explore local niches that are a little uncommon or out of sight for markets with little to no competition.

It is very important to have a good lawyer look over your commercial real estate contracts. Make sure they know all about real estate and can look over everything you have. This will insure that you will be protected and you will be getting the best deal possible.

Be sure you have financing well in advance of beginning your search for investment property. Once you have found a property you like, you will want to be able to move ahead quickly to beat the competition. Take the time to get to know your banker and have a firm understanding of the funds available to you so that you can make your commercial real estate investment quickly and easily.

Short sale auctions may seem to be quite alluring, but prepare yourself to lose out on the house by being over bid at the last minute. There are many people who have lost out on a home at the very last minute for slightly more money than what they had bid.

Do not try to bribe your real estate agent into scheduling more showings for you. Not only is this totally unethical and offensive to any reputable agent, but there is still no guarantee that your property will sell any faster even though it was shown to buyers a lot more.

When you are negotiating for a piece of land regarding your commercial real estate purchase, you should want to make preliminary proposals to establish the range that you are willing to pay. Opening up the discussions is a strong tactic that shows you know what you want to the potential sellers.

Always get an attorney to review and negotiate the commercial lease with you. Make sure you understand the terms and conditions, restrictions on placing advertising signs, sub leases or other complicated sections with legal terms. Don’t sign the lease until you understand exactly what you get into and what your legal obligations are.

In conclusion, commercial real estate investment is extremely worthwhile for investors, especially when they acquire property that can be used to generate profit. You should be able to successfully become a commercial real estate investor and see profit gains, if you follow the helpful advice given in the above article.

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Martial Arts Training

As any martial arts practitioner will tell you, there are multiple benefits in martial arts training. Of course, the most obvious benefit is a knowledge of self defense which is one of the major reasons why the martial arts were developed in the first place. Knowing how to defend oneself and loved ones in a potentially dangerous situation is an asset in today’s world just as it was hundreds of years ago. Unlike often portrayed in the movies, martial arts are not just about fighting. Many people take up martial arts for the fitness benefits as well. Training in martial arts such as karate, tae kwon do, kung fu and other martial art styles will improve one’s cardiovascular fitness as well as tone the muscular system. Strength will increase from the calisthenics usually employed within martial arts training but perhaps not to the same extent as working out with weights. But overall power of one’s body will definitely increase since martial arts techniques teach how to use strength effectively.

Most people will also improve their flexibility significantly while training in martial arts since entire ranges of motion from the body are exercised. This is especially true with martial art styles such as tae kwon do, Thai kickboxing as well as some schools of karate and kung fu where high kicks are used. All martial art styles will result in an improvement of one’s coordination as well.

Unlike many other forms of physical activity, martial arts also have a mental and sometimes spiritual element which not only improves the mind’s focus but also helps in self control. Emotions such as anger and fear are better controlled through martial arts. Many martial artists can find an inner peace through their training. In today’s hectic world, these particular benefits translate into one of the most effective stress management tools available. When training in a martial arts session or in a group class, all the day to day troubles of the world seem to be forgotten. People come out refreshed, energized and ready to tackle the big world out there.

Training in martial arts usually involves many little steps and progressions. As one advances in a martial art, the feeling of accomplishment comes with added confidence. This is especially beneficial for children who were not very confident in the first place. An increase in self confidence for kids (as well as adults) will have a cross over effect in other areas of life such as in other sports and general self esteem. Other challenges in life, both physical and mental, will be met with much less fear.

An important benefit of martial arts training for parents to note is that children will generally become more disciplined from the unique formalities of martial arts classes. This is one benefit that is often lacking in other sports. Former ‘problem’ kids with bad attitudes could become well behaved and respectful as a result of taking martial arts a few times per week. Respect is something that all martial arts instructors place great importance in during their classes. Martial arts kids are often very well behaved children no matter what social economic backgrounds they come from.

Martial arts training has so many great benefits covering physical, mental and emotional aspects that it’s no wonder why it has become one of the most popular activities for both adults and children. However, it is important to point out that not all martial arts programs will produce the range of benefits discussed. Programs that teach just combat fighting techniques may not result in the desired mental and spiritual benefits so it is important to search around for the right martial arts school that will offer the benefits one wishes to achieve.

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Physical Fitness, Extreme Mountain Biking

The name Extreme mountain biking itself defines the intensity of this sport, although similar to mountain biking it is a complete new adventure sport. Equipments required are basically the same but a few additions are made owing to the risk involved. The Right attitude towards this sport and a fit body can help you master this sport with ease.

The name Extreme mountain biking itself defines the intensity of this sport, although similar to mountain biking it is a complete new adventure sport. Equipments required are basically the same but a few additions are made owing to the risk involved. The Right attitude towards this sport and a fit body can help you master this sport with ease.

The Extreme Mountain Biking Guide

The one adventure that is gaining popularity recently is Extreme Mountain Biking. It is basically a little tougher version of our regular mountain biking. In extreme mountain biking the riders are subjected to more tougher terrains and steeper slopes. The extreme nature of this sport makes it necessary for the riders to be in good physical shape.

The must haves for Extreme Mountain biking

Like all other adventure sports, extreme mountain biking requires you to have certain necessary equipments before venturing out to try this sport. Undoubtedly, the most important among these things is the bike itself. Selection of the bike mainly depends on the type of terrain and the cost. These bikes are definitely expensive so you have to be ready to shell out that extra amount, until and unless you don’t mind using a second hand bike, which is definitely not advisable.

The risk involved in Extreme mountain biking is comparatively higher than regular mountain biking. So for the rider’s personal safety, it is a must for him to wear a strong helmet. The rider’s helmet is the only protection for his head in case of a fall, even the most experienced riders never venture out with out wearing one and will advise you to do the same.

The clothing used for extreme mountain biking is specifically designed to provide more comfort to the rider. Unlike regular mountain biking clothes, which are usually body hugging, these outfits are very much different, they are basically loose and are made from thin fabric.

Getting Prepared

Just having all the necessary equipment and other gears is not enough to take up such a challenging sport. Extreme mountain biking is basically a very physically demanding sport, therefore it is extremely important to be in absolutely good physical condition. Undergo rigorous training and doing proper workout with proper diet will definitely help to build up the required strength and stamina.

Although, extreme mountain biking is a very extreme and dangerous sport, it can be great fun, and also a good form of exercise for the whole body. Extreme Mountain biking can definitely prove to a lifetime experience, if all the safety precautions and guidelines are properly adhered to.

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Effective Cardio Workouts In Only 20 Minutes

The perfect workout routine is one that combines strength training and some form of cardio. The problem is, most people hate doing cardio and will make up any excuse not to do it. A popular excuse is not having enough time. This article, however, will show you how you can spend only 20 minutes on a cardio workout and still reap the benefits.

So first of all, why is it necessary that you add cardio to your workouts? Most people understand the benefits of strength training because it adds muscle and muscle makes you healthier, more lean and stronger overall.

But what are the benefits of cardio? Here is a short list that names just a few:

– it helps reduce stress
– it burns calories which leads to weight loss
– it makes your heart and lungs stronger
– it reduces your risk of certain diseases
– it reduces depression and increases confidence
– it gives you more energy and helps you sleep better

To sum it up, adding cardio to your workout improves your health and well-being which leads to a better quality of life. Combine this with strength training and you’re on your way to feeling great, fast.

So how can you reap the benefits of cardio in only 20 minutes per workout? It’s called Interval Training and it can be applied to many different forms of cardio including boxing, running and biking.

The concept in a nutshell is shorter workouts, but higher intensity. This is accomplished by pushing hard for say two minutes and then slowing down for two minutes. If you repeat this cycle four more times then you have your 20 minutes. You could also do one minute hard, one minute easy and then repeat this nine more times.

Here is an example:

Interval training is perfect for running. If you’re working out on a treadmill or running outdoors, it’s the same routine. Start out with a warm up jog followed by two minutes of a challenging pace. This won’t be your all out because you have to maintain it for two minutes, but a pace that will be very hard for you. You then follow this with two minutes of either a walk or a very slow jog. Repeat four more times and you’ve got yourself an effective cardio workout in only 20 minutes.

This concept can be applied to many different forms of cardio: two minutes hard, two minutes easy, repeat four more times. Or one minute hard, one minute easy, repeat nine more times.

You’ll get your blood flowing, your heart pumping and reap all the benefits cardio has to offer…all in only 20 minutes.

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Pest Control Tips

Pest control must be done with utmost consideration to safety; safety in terms of the plants, animals and humans. This holds especially true for those with vegetable and organic gardens.

The main purpose of growing vegetables organically will be defeated if they become tainted with pestcontrol chemicals.

Here are a few long-term maintenance tips to make pest control less damaging and more environmentally friendly.

1. Use the physical pest control process.

This may be accomplished through picking grubs off by hand, creating barriers and traps and plugging holes. Snails can be found hiding in damp places under rocks and towrds the base of those plants with straplike foliage.

2. Apply biological pest control.

Encourage predatory insects such as green lacewings and dragonflies to feed on aphids and other pests that attack your plants. You can do this by placing a shallow bowl of water in the garden. Dragonflies especially will hover around water. Bacterial insecticides such as B. thuringiensis could also be used against caterpillars.

3. Only as a last resort should we turn to chemical pest control.

Organic pest control methods can be successful and the ingredients for many of the recipes can be found in the kitchen cupboards. If chemical sprays are really necessary, try and find the least-toxic. These include insecticidal soaps, horticultural oils, dehydrating dusts, etc.

4. Consider the use of safer pest control substitutes.

Recipes for alternative pest control include the following:

Against Green Aphids and Mites – Mix 1 tablespoon of liquid soap and a cup of vegetable oil. Dilute a teaspoon of this solution in a cup of water and spray on aphids and mites.

Against Cockroaches – Dusts of boric acid can be applied to cracks or entry points of these insects. Bay leaves on pantry shelves could also help in warding off these critters.

Make sure that the chemicals you use are made specifically for the insects you are targeting.

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Famed Golf Courses

A vacation destination for decades, Jamaica is home to a number of quality golf courses. The temperate climate is a welcome part of the golfing experience, as is the general atmosphere of the golf courses, with many being notable for their outstanding customer service focus and their beautifully kept grounds. It should be noted that while many of the golf courses are private, most of the more exclusive facilities do make day passes available for vacationers.

Half Moon Golf Club, in Montego Bay, Jamaica, is known among tournament players throughout the world for its classic lines and challenging set up. Open and beautiful, one of the most challenging aspects of this golf course is the wind. Over 7,000 yards long, this course offers a good work out, in addition to a fine game.

Luxurious, enchanting, and uniquely challenging are apt descriptions of the White Witch Course, a recent addition to the famed Ritz Carlton Rose Hall Resort of Montego Bay, Jamaica. The course is named for the infamous Annee Palmer who is said to haunt the area, and rumored to have indulged in illicit relationships with the slaves she held and treated brutally during the 1800’s to run her huge sugar plantation, and also said to have murdered three husbands before turning up strangled herself.

This magnificent course was designed by Robert Von Hagge, Rick Baril and Mike Smelek, and has a slightly different style from the typical Caribbean golfing experience. While there are stunning ocean views to be had at 16 of the holes, they rest upon high ground, as the course wanders through strong hills and players are cooled by the unobstructed ocean breeze.

Three Palms Ocean Course, found at Wyndham Rose Hall, is renowned through Jamaica and well beyond the island for the amazing scenery that its 6798-yard course is built around. Golfers will play alongside of the family graveyard of Elizabeth Barrett Browning and the ruins of an aqueduct from the 18th century. There will be ocean side holes, canyons, waterfalls and gorges. This is a truly beautiful and historic course, and can only be an unforgettable golfing experience.

The Tryall Golf Course, at the Tryall Club in Montego Bay hosts the Johnny Walker World Championship and is a favorite playing spot of golfers all over the world. The 6,772-yard course extends from flowering forest to cool seaside, and includes mountain and ocean views that are simply spectacular. Fascinating relics of history along the course include an 18th century water wheel.

There are several other notable golf courses in Jamaica. These include the Manchester Club, one of the oldest facilities of its nature, which also makes available tennis and billiards, the rugged terrain of the Negril Hills Golf Club, which is known to be a challenging and exhilarating play. Breezes Golf and Beach Resort offers truly upscale play.

Whether you’re planning a vacation devoted to enjoying the very best courses that Jamaica has to offer or you are a casual golfer seeking fun greens for a day or two’s play, Jamaica is home to some of the finest golfing opportunities in the entire region.

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Fitness Equipment Basics

Fitness equipment can be split into 2 basic areas, first there is aerobic or cardio fitness equipment which is designed to give you a fitness workout to burn off calories & loose weight. Secondly there is strength/muscular fitness equipment which is designed to tone, or increase in size, your bodies muscles.

Most fitness equipment that you would expect to find in your local gym or fitness center can now be purchased for home use depending upon the space you have available & the type of fitness equipment you require.

For aerobic fitness equipment you should consider a treadmill, an exercise bike or a rowing machine.
Treadmills are popular because you can walk, jog or run on them making them an ideal piece of fitness equipment for the beginner right through to professional athletes, being suitable for all levels of fitness. Make sure you choose one with a wide belt that is long enough for your stride. If you jog or run a lot then you should consider a model with cushioning between the belt and treadmill bed to lesson the impact on your joints.

Basic models are powered by the user but you should choose one with a motor to vary the speed, the faster you like to run the higher the motor speed you should choose. New treadmills will set you back approximately $299 for a self powered one up to over $5000 for a motorised commercial style one.
Exercise bikes are a popular item of fitness equipment especially for home use, with numerous types available. Apart from the standard upright exercise bike some models now offer upper body work outs as well. The latest designs have recumbent seats which support your lower back & leave your hands & arms free to use weights for upper body exercise. Cost $229 or less to $2599.

Rowing Machines are a very useful piece of fitness equipment particularly for those with knee problems who feel they are not up to running or cycling because of their problem. They come in many different designs from lightweight foldaway to heavier more rigid designs. New equipment should set you back $239 to $1900.

Fitness equipment for strength/muscular work comes as individual pieces, such as dumbbells, weight benches, leg or abdominal equipment or for a total body workout you could try a home gym which should set you back between $399 to just under $4000 depending upon the space you have available and your budget.

For the best results you should choose at least one piece of fitness equipment from both the cardio fitness equipment & the strength fitness equipment, with a home gym being the recommended piece of equipment for the strength work. Make sure you choose fitness equipment that you know you will enjoy using & not something that will end up stuck in the garage.

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