7 Tips for Saving Money on Electricity

According to the United States Department of energy, the average household spends about $1,300 on electricity annually. This is a lot of money and things such as the weather; the types of lights used and the frequent use of appliances are the deciding factors.

Can anything be done to make this go down? The answer is yes. By reading these tips, the money saved can be used for other expenses.

1. The weather surely gets hot in the summer. It could go up to 90 degrees or higher and the only way to stay cool is using an air conditioner. People should use curtains and shades to reduce the effort of this appliance in cooling the room under these hot conditions.

The doors and windows in the house must also be closed so the air doesnt go out enabling it to circulate in the designated area. The filters of this household appliance should be cleaned every 3 months to keep it in good condition.

2. The wattage of the bulbs determines how much electricity is consumed. These should be checked because there are some brands available that are just as bright as others that dont use a lot of power.

3. If there is no one in the room, the lights and other appliances such as the computer must be turned off. This can help prevent overloads or short circuits from happening that may start a fire in the home.

4. Many households have washers and dryers. If the practice is to do the laundry every other day, perhaps doing this twice a week when the load is full is advisable. This can also save some money when paying for gallons of water used during the month.

5. The refrigerator and freezer should be defrosted and cleaned every 2 weeks. This prevents the ice from getting too thick which may cause this machine to break down.

6. People have to cook in order to eat. The person can try using range top burners instead of ovens that use up a lot of electricity.

7. People who live in cold climates need a heater to warm the home. A blanket can be use to wrap around it to lessen the power used inside and while taking a shower.

There are many things that people pay for when owning a home. The homeowner can monitor the electric bills the few past months and see if the steps taken has shown improvements when the next one arrives.

The above article was written by Sarah Miller on behalf of a buzzing online Kitchen and Bathroom Remodeling Contractors community where homeowners easily and painlessly find the right contractor for their home improvement projects and in turn, contractors can find the right Home Improvement Leads! Also check out the http://QuoteCity.com Blog for more related Kitchen and Bathroom Remodeling Articles and Ideas.Alysia Blog36650
Alleen Blog89982

Revealed, You Need a US Bank Account to Make Money Online!

Yes, it has been revealed, that you need a US Bank account to make and retain money online. No matter where you live, if you are going to make any amount of money online and be able to retain or save same, you need to have a US bank account.

We all have Bank accounts in our respective home countries or residences. No problem with that - it is easy to get. We need this to run our lives, do our day to day activities off-line and so on. It is no big deal or a problem. So it is until I got online to make money two years ago.

When you get online and try to make money, then you realize that the rule of the game will change for you. Suddenly you will realize that you need a US Bank account with a Bank over there in the US. Why? Because 80%-90% of the Internet businesses is controlled by people in US / Canada. That is the way it is for now and in the foreseeable future. And I doubt if the equation is ever going to change at all.

When you want to make money online, in most cases the buyer will be a US native who is either using PayPal or a Credit card to pay for things online. You have got to hook up with PayPal by opening an account with them to receive your payments from other PayPal users. But PayPal only allows people from about 50 countries of the world to use her services. In other words, you can not open an account with them if you are not from these 48-50 countries. Then you realize you are stuck.

What is the alternative if this is your situation? Get a Merchant account or a third party payment processor to take credit and debit cards payments for you. From our earlier equation, 80%-90% of the time, the guys will be in the US. When it is time for the card company to transfer your money to you less their charges, you are going to receive a check which might take 2-4 weeks to get to you, depending on your location. You get the check, assuming you are lucky it did not get lost in transit, and deposit the same with your Bank in your home country. Your bank sends the check for collection in US - another 2-4 weeks. In US, your funds get cleared in 2-3 business days. Then you get your credit. Now your Bank will charge you about $25 - $45 for the check: remember they have to pay DHL / FedEx to transport your check along with other documents, plus they are in business. Get it?

Now for all they care, your check may be for an amount of between $100 to $200, especially if you are just starting out. If you get 10 - 20 checks in a year (yes you can be getting many checks from various affiliate programs) you might find yourself paying $250 - $900 for the year.

Now compare yourself with someone with a US Bank account. He gets paid by what they call ACH (Automated Clearing House) system. This is just an electronic fund transfer system initiated by individual account owners in US to pay others within a network of some banks in US / Canada. This takes just 2-3 days and bang, your money is in your US bank account. It is mostly free to go. In some case you pay a token. I pay $3 to receive ACH into my US Bank account. I live in Africa and I have access to my funds by use of the Card issued to me by the US bank. I can withdraw money daily at the ATM in my country, no problem! My problem is to make the money go into my US bank account:-

Also I can use my Card to buy things online, a privilege not enjoyed by many especially in the developing and under-developed countries.

Now you can see that it is a must for you to have a US bank account if you want to make and retain money from the Internet. But getting one is one of your greatest nightmare as a non-resident.

A non-resident refers to the non-US citizens, having no residential base in the country. It is generally put in to the use by the country's banking sector.

The banking laws as it concerns a non-resident is very strict. It is almost impossible if you do not know how to go about it. The thing is complex and complicated and most Banks will just avoid doing this for non-residents. For them it is a mine field which only a few have mastered. I spent 4 years researching this after I found myself in the above situation earlier mentioned. In my case I even had money trapped with PayPal, after opening my account in PayPal with a US mailing address (perfectly legal).

Now let us look briefly at how you can set up a US Bank account as non-resident of US.

First option is that you set up a company, incorporate one and have an office presence in the United States. Very expensive option you know. How many of us can afford this?

Second option is have someone do it for you for a fee ranging from $400-$800. Expensive also.

Third option is buy the info. They are a few good Reports that will show you how to do this by yourself. The price for the Reports ranges from $20 - $97. This was the option that I used to get my own US bank account.

Whichever option that you decide to follow is entirely up to you.

You can do some searching at a place like Google.

You could pay for the information or get a company or someone to do it for you at a fee. It depends on you and your pocket.

You need not to incorporate a US Company before you can get a US Bank account. That is an expensive approach.

So go ahead and get your own US Bank account now. Do not wait until tomorrow as the laws are constantly changing. What is possible today may not be possible tomorrow. ACT fast. Good Luck.


Godspower Daniel is an Internet Wealth Consultant, Writer and CEO - Ewealthsuccess.com. He has a Report about getting a US Bank account easily at: http://www.ewealthsuccess.com/us-bank.htmlAmeline Blog63413
Aila Blog83372

Financial Urban Legends: The Credit Boogie Man

It's raining...Its thundering. The lightening is casting your shadow against the wall as it flashes in the night sky. You look under the bed...nothing. You cut the bathroom light on...nothing. You cut it back off. Only one other place left to look, and that's the closet. You begin to walk slowly to the closet. Oddly, you hear that eerie horror music in your mind, not remembering leaving the door cracked like it is.

Your heart starts racing. Your brow begins to perspire with beads of sweat. You reach to grab the door knob, with a twist and pull it open...nothing! Whew! Your pulse slows to its normal pace. You laugh to yourself, thinking how silly you were acting. Its a little chilly, so you grab your jacket from a hanger. Wait...something is wrong.

You feel the inside pocket and there are several envelops. Spreading the envelops over the bed, chill bumps begin to erupt all over your body. It can't be. Its not possible. The mortgage payment. The car note. All the utilities. Water, gas, and light bills...all there. How?! You know without a doubt that you put these in the mail weeks ago. A quick glance at the calender and your chill bumps double in number. All are now OVER 30 DAYS late!

"Ha...ha...ha!" Then again even louder, "HA...HA...HA!" As you run to the window, you catch a faint glimpse of something fading into the rainy night in the yard. Snow has more color to it than your skin does at this point. The night wind echoes one final message. "Your...(your...your) Score...(score..score) Shall...(shall...shall) FALL...(fall...fall).

This is what most likely happened.

You had that jacket on three or four weeks ago meaning to drop the bills in the mail, but forgot. Just like children have their 'my dog ate my homework' story, we adults have our 'Credit Boogie Man' urban legends. The 'Credit Boogie' man didn't damage your credit score, you did. But not to worry, there is always time to change your perception on the proper use of credit.

First you need to obtain a copy of all three of your credit scores and reports. MyFico(.com) handles scores and reports for Eqifax. CreditExpert(.com) handles reports and scores for Experian. TransUnion uses TrueCredit(.com) as their site to get your report and score. And yes, I'm aware that you can get a copy of each of your reports from each bureau free from AnnualCreditReport(.com), but most people don't know that your score is not free. You will still have to go through one of the sites I listed above to get your scores (did you really think it would be that easy).

What I suggest to my clients is a double sided attack. As you try to get negative marks removed from your file, you also should be taking steps to add positive marks to your file. This creates a synergy effect, boosting your score faster than what could be done by each tactic separately.

Start with the easy accounts. Look for entries that are not even yours, these should be very easy to remove from your file. Next, look for items that have been paid (or maybe still not paid) and they're seven years older or more. The seven year period begins 180 days after account goes into default (post 97 law changes) or last date of activity. This can be tricky.

This is 2006, so anything from 1999 and back would be good candidates to attack. But what if you made a payment (but not total amount) in 2004, and then stopped paying again. This would make your seven years begin over from 2004 instead of 1999

Now, lets start adding positive trade lines to your credit file. Don't have a lot of money, then you'll love this strategy. Get several loans from different lending institutions. Depending on the amount of funds you have access to use for this strategy, banks may be not be an available avenue. Here's the easiest way to handle this situation. Obtain a passbook savings account loan.

Here's where it gets interesting. Most banks won't do this unless you have $10k or more in your saving account. Wow! A better solution are credit unions. This is what I have done before and still do on occasion. Call your credit union (or one you'll join) and ask them about their savings account secured loans. Most will allow you to make yearly payments, meaning you don't have to make payments during the course of the loan. If that isn't good enough, you can renew the loan for another year by simply paying the INTEREST ONLY that's due.

This is what you can do to fund the loan. When you get paid, go by the credit union and place (or open an account) your cashed check money into the account. Then turn right around fill out the loan paperwork and have your funds back in you hands. Now, just rinse and repeat these steps with several credit unions. My credit report shows these accounts as 'paid as agreed'. What else could it show. I don't make any payments, therefore there's no way to be 30 (or more) days late.

You must prepare yourself. Who knows? Maybe next time the 'Credit Boogie Man' won't be able to cause so much drama in your life.

Copyright New Innovations
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Christopher Wright is a small business owner and entrepreneur. He earned his BA from the 'College of Trials and Errors.' He then went on to get his MBA from the 'University of Hard Knocks.' Aubrette Blog37987
Ashlie Blog94645

7 Secrets to Making a Great Living Playing Online Poker

Making a living playing online poker is certainly not for everyone. However, it can definitely be done. And for some it can be accomplished easier than you ever thought possible. Follow these seven steps and discover if making a living playing online poker is right for you.

1) Know What Games to Play

If you want to make a decent living playing online poker you must know what games to play. Yes, I can tell you which ones are more profitable than others but this decision is also dependent on you as an individual.

You personality and behavior traits are important ingredients to deciding which games to play. For example, if you are an impatient person don't play Free Roll tournaments. These tournaments usually take a minimum of fours hours to complete and the payout is very low for the time invested. You may be better off playing short-handed sit-n-gos.

On the other hand, if you're a fisherman who can sit out on your boat for six hours and not worry about even getting a bite on your line than big tournaments may be worth it to you.

2) Know Where to Play

Believe it or not some poker rooms are better to play than others. I have my list that I play at exclusively. But this has taken some trial and error and research to figure out. The reason I play at the rooms that I do is because, frankly, they're easier to win at. They have more inexperienced players that I can beat easily.

3) Use a Proven System

Flying by the seat of your pants is not an acceptable nor winning poker strategy. If you're new to poker it may be wise for you to do some research on different poker strategies to discover what works best for you. Don't worry you can always adjust it and update to fit your personality and playing style. But please understand you must have a system and apply that system if you want to win consistently.

4) Manage Your Bankroll Properly

Don't jump into a $100 sit-n-go 10-person table if you're just starting out. Get a feel for the game by playing at the smaller buy-ins and then move up the ranks to the larger buy-in tables.

I will say this. The money is made at the larger buy-in tables. For example the $30-$50 buy-ins. The reason? Because you don't have as many crazies as you do at the $5 tables. What I mean is anybody and everybody will play like a fool when they're only risking $5. But when they're playing with $30 or $50 they play a lot differently. However, they can still be beat quite easily!

5) Know When to Stop Playing and When to Keep it Rolling

If you're down on your luck stop playing for awhile. It makes no sense to keep playing when the cards aren't coming for you. On the other hand if you're on a winning streak play as long as you can. There is no reason to buck the trend when its going your way.

6) Schedule Quiet, Uninterrupted Time to Play

To be really successful in online poker you need to play in an uninterrupted, quiet setting. I do poker coaching for some of my students and it kills me when they have their two year old in their lap trying to play poker. How can the possible stay focused? They can't! Don't make that mistake.

7) Know What Time of Day to Play

Everyone is different here. Some say don't play during the day because that's when all the pros play. Others say don't play at night because that's when all the pros play. To me it doesn't matter when you play as long as you are following a sound strategy and system.

However, if you are mentally weak and need a perfect time of day to play. Test it out for yourself and then make a plan to play at that time every day.

Follow these seven steps and you'll be well on your way to making a living playing online poker.

PD Laughlin is a successful professional poker player and publisher of http://Win-at-Holdem.com. He provides free information on Poker Skills, Strategies and Systems on his website http://Win-at-Holdem.com.Ana Blog43324
Anabel Blog20665

Offshore Panama Bank Accounts - Open In 5 Days

You can obtain a Panama Bank Account without having to come to Panama!

Documents Required - A copy of a Passport, letter of reference from a recognized bank that is able to send and receive international wire transfers and a letter of reference from an attorney, accountant or company you do business with on their letterhead. Any bank in the modern world using the international wire system will require at least this much documentation from a foreigner opening up a bank account in their jurisdiction. For Bank Secrecy information and corporate privacy read below.

Panama Banks - Panama banks do open offshore bank accounts. Panama asides from being the number one retirement haven in the world is also the world's foremost tax haven and offshore bank accounts in Panama are the most coveted in the world today. All the banks we use have online banking including sending of international wire transfers, checking of balances, history and other information. You can get an ATM Debit card that is good worldwide for ATM withdrawals and it works for some Point of Sale Purchases. We work with several different banks and savings and loans in Panama. We do not discuss names of banks until after a person becomes a paid client, and all the required documents have been provided, please do not ask. Same applies to sending out bank forms, signature cards, etc. We have a list of banks that we have a working relationship with where we are able to have accounts opened without the need for the parties to come to Panama. Some of these banks are large multi-national conglomerates with assets in the 100 Billion Dollar Range and others are small Panama only Banks that offers a more personal touch and banks with everything in between. We have never had a customer leave us because we could not get them an account with a bank or savings and loan they felt was not suitable. Savings and loans in Panama insure account balances up to $10,000 through the National Bank, something like the FDIC in the USA but with lower insured amount. We can normally have an account opened within 5 working days of the receipt of our fee and the required documents.

The Process - Making a trip to Panama is not necessary. Panama Banks never accept cash to open an account. Some customers wish to come to Panama to meet the bank, etc. This is fine but we will NOT introduce a person to any bank until after they are a paid up client and we have done our due diligence having their reference letters, passport copy etc. The banks rely on the law firm to do the required due diligence in the area of know your customer which is the same as required by the banks. The banks in Panama have no shortage of customers since a Panama Bank Account is the most coveted in the world right now. The banks do not wish to have potential customers contacting them directly before the law firm has completed their due diligence. The banks are not fond of foreigners calling on the phone about opening up an account. If you are coming to Panama which again is not necessary, we suggest you do the formation of the corporation or foundation before you come and we can get the bank account approved by the new account committee before you arrive so basically you just meet the bank manager, sign the forms and signature cards and then are free to depart and your account should be functional the next day. We can assist with corporate rates on a hotel; get you an English speaking driver with a car, etc. Some banks will provide an ATM card with the account immediately. The ATM card is usually in the name of the corporation if it is a corporate account. Some do not want such an ATM card because the corporate name can have associations regarding the wire system from wires being sent and received and thus violate their privacy. This brings up the option of a third party ATM card that has numbers only, no account name at all on the card. There is also the option of having a MasterCard or Visa debit card (not credit card) for an extra fee. The Visa or MasterCard debit card also can function as an ATM card.

Stock Trading - The savings account can also be directly tied to a stock trading account. This allows one to trade online around the world. There is a $50,000 minimum to open such an account. The clearing agent is top drawer. We can also arrange for you to have a separate brokerage account in Panama with minimums as low as $25,000. USA passport holders can not have a personal stock trading account corporate or foundation only.

Type of Account - Offshore bank accounts in Panama can be opened for a corporation or a foundation. Accounts can be opened for personal, corporate or for a foundation. USA passport holders can not open personal bank accounts unless they actually reside in Panama and can document this. We always suggest the offshore bank account in Panama be opened using a Panama corporate structure. This way when wires are sent or received it can not be seen that you are the person(s) behind the corporation. When you use an anonymous Panama Bearer Share Company the ownership of the company is not recorded in any registry or public record database so no snooping entity can determine who is actually receiving the funds, and this makes for very private personal banking. Recently there was a scandal in the media where it came out that the USA was monitoring SWIFT wire transactions for some years. Monitoring a wire transaction to an anonymous corporation is fairly meaningless since nothing is known about the ownership of the corporation. If the sending entity was also an anonymous corporation that would be a good working definition of a dead end both ways. We always advise against personal offshore bank accounts in Panama for these reasons in addition to the fact that a corporate or foundation bank account greatly enhances asset protection but will work on personal accounts at the clients request. We can not get personal bank accounts for USA residents/citizens. As an additional option one can open an offshore Panama bank account using a Panama Foundation which is also anonymous.

Bank Account Signatory Verification You or your designated signatory(s) will be the only person(s) with access to your offshore Panama bank account. What we do is have the bank opened up as a zero balance account; no money is in the account. Before you load the account with any funds we will show you how to securely contact the bank by phone and verify that no one else can sign on the account or otherwise access the bank account. After the account is funded online banking information will then be emailed to you directly and you reset the password securely online immediately upon receipt. ATM card will be sent by courier directly to you.

Number of Bank Accounts - You can open up more than one Panama offshore bank account in different banks using different corporations or same corporation or a corporation and a foundation. Sending funds from one corporation or foundation to another for payroll, purchases or other reasons can easily be accomplished using the ACH system in Panama which 30 large banks use. This is not a wire transfer and the data is covered by Panama Bank Secrecy laws and only entities covered by these laws have the data. It takes one to two days for the ACH transfer to be completed and the cost is about $1.00 per transaction.

Panama Bank Secrecy - Panama has strict banking secrecy laws better than any jurisdiction we know of. Panama has no tax treaty with any other country. This is not the case with tax havens like Switzerland, Belize etc. who do get into tax treaties with numerous countries. Tax treaties are the legal basis for government fishing expeditions. Fishing expeditions do not happen in Panama. If a bank employee or officer violates the bank secrecy laws they can go to prison, get fined and of course you can sue the daylights out of the offending bank. The bank secrecy laws are statutory in Panama. Did you know for instance that the so called bank secrecy laws of Belize are not actually written in their law books? Panama is the best jurisdiction for asset protection. Panama Bank Accounts are most desired bank accounts in the world today. The banks are solid, the US Dollar is the national currency of Panama (we can also get euro accounts), the government is stable and the corporate privacy, bank secrecy and attorney privacy is the best there is anywhere.

Click here for a complete list of countries with tax treaties with the U.S.

Violating Panama Bank Secrecy - Getting into your bank records in Panama would require a court order from a Panama Court which is a seldom seen event, very rare and is usually reserved for simply awful large scale bad guys engaged in one of these four areas of criminal activity: child pornography, narcotics trafficking; real terrorism and serious real large money laundering (think millions of dollars). In the most unlikely event such a thing did happen here is how it would take place. The country requesting the information would first need to have a criminal case on file in the national criminal courts of their country against the persons in question that hold the bank accounts and they would have to have specific bank accounts in their request not a fishing expedition. Requests can only be made by a national government, not a city, county, state, territory, parish etc. The request must be based on an existing open criminal case in their national courts. Through diplomatic channels they would make a formal written request for the information with numerous details provided. They would have to show why they need Panama to supply this information and that it is not obtainable any other way and is also necessary for them to make their case and that the information contained in the bank records would be what they need to make their case and why this is so. Panama has the right to ask questions, get clarification and even refuse the request. These requests can go back and forth and years can go by before the information is provided or a formal denial of the information is made. Based on the request as a legal option available to them Panama could seize the bank records not turning them over to the requesting government and conduct their own investigation first if they felt Panama law was violated and thus deny the request until their investigation was completed which could take years. Of course various statues of limitation could expire before this information request process was completed. Panama does not get interested in Fiscal offenses especially those pertaining to taxation. Taxation violations in Panama are only civil offenses and the offense needs to be a crime in Panama for the bank secrecy to be violated not just a crime in some other jurisdiction. Panama Bank records being turned over to another government for civil offenses (bankruptcy, family court, divorce, civil judgments etc.) is something not seen in Panama. Remember if Panama was not private and protective there wouldn't be 135 large international banks in Panama many with their own 40 story modern skyscraper and 400,000 corporations domiciled in Panama. Each corporation pays an annual tax of $300, which brings the total revenue from corporations to $120,000,000. In addition to this revenue there is additional revenue in the form of fees to nominee directors, resident agents, associated bank accounts, etc. The net revenue from the Panama Canal is only about $335,000,000. This is for a country of 2.9 million people. Today roughly 20% of the Panama work force is employed by the banks. Most people do not know this but Panama is a neutral country. Welcome to Switzerland's replacement which is going to be around for many years to come.

Collecting Civil Judgments If you are worried about a judgment from a civil court being levied against your Panama bank account, relax. If the civil offense in question occurred outside of Panama and the order was not from a Panama court it would most likely get kicked out of Panama court if the other party was even determined enough to try and collect the judgment in Panama. The court in Panama would probably rule that they have no venue or authority over the matter since it was a not a dispute about events that occurred in Panama and thus dismiss the case. The other side would post money for court costs and incur high attorney fees after being told their prospects for success were either extremely slim or none. This is something rarely seen in Panama. In Panama your personal assets and debts are not the same as those of a Panama corporation or a Panama foundation so levying a civil judgment against your corporation or foundation is a somewhat difficult matter with again an unlikely chance of success combined with court waits of years and high legal fees. Remember ownership of Panama Corporations and Foundations is anonymous so how would a financial enemy even know the corporation or foundation was yours and even if they could prove this (how they could prove this is an interesting question unless you told them it was yours) there are still massive legal hurdles to overcome to show you made a fraudulent conveyance to avoid creditors. There is a three year window concerning fraudulent conveyance and the court wait could easily be five years which is another not insignificant hurdle to overcome. What if you do not own the Panama Corporation, a Panama Foundation owns it and a Panama Foundation really has no owner, or we could insert another entity to own the foundation, etc. etc. etc. Panama is not a litigious society and aggressive civil collection practices from other countries are seriously discouraged.

Panama Taxes - In Panama income tax offenses are all civil. Panama has no taxation for offshore income so unless you operate a brick and mortar business in Panama. Your income will be offshore derived and not taxable at all even if you have a Panama Corporation, Panama bank account, office address in Panama, phone in Panama, web site located in Panama, etc. If all your income is offshore derived you do not even need to file a Panama tax return. Panama also has no capital gains if you like stock trading and this of course means your bank interest is not taxed either. Panama has no probate, no inheritance, and no estate taxes.

Ronald Edwards is a researcher, with years of experience in finances and real estate.Alis Blog86532
Alicea Blog28598

How To Earn Money Online

I swear, my former housemate was the biggest dummy on the planet. His name was Amos, and he was the epitome of the word slacker. Most of the time, he would sit around and do nothing but smoke pot, while incessantly blasting reggae music is loud as the stereo could play it. I swear, one time we had to turn off the power to his room on the surge suppressor just to get some sleep, and boy, the dummy never even got wise that was us that killed the power. He made his living selling drugs, and incense down on Teleride avenue in Colorado Springs, where all of the hippies, street punks, and freaks come together and do, more or less, not a damn thing.

One of the stupider (although by no means, stupidest) things that I saw him do was to buy a earn money online kit off of the internet. This was one of those deals were promised him that he could earn money online by setting up his own business with things he already had. This was a look to draw people in because they didn't have to expend a lot of money to do it. It advertised it as if all that he would have to do was to sit back and watch the cash roll in. Of course, the this was old fiction and he got burned.

I mean, how could you earn money online selling crappy hand dipped incense? Who in their right mind could think that? He must have actually thought that there was a market for because in his own little world he thought it was cool. Like there weren't already a million other people trying to earn money online selling the same substandard products. Could you imagine trying to sell incense and a brick and mortar business where they can't even smelled the product, to say nothing of making money online with it.

It isn't even like he had a nice, or interesting web page. He just bought a stock web design out of a box, slapped it up on the Internet and thought that that was all it would take to earn money online.

To earn money online is much more complex than most people think and we try to explain that to him, but he'd just give us that blank, irritated look that was permanently affixed to his face. He was pretty much clueless about how the marketplace ran and he surely did not want to hear about how there were already enough people trying to earn money online, and failing at it, selling the same kinds of crappy things that he was. After a while we just gave up and let him do whatever he wanted because sometimes you get tired of banging your head against a brick wall, and he was our brick wall. People definitely to earn money online, but you have to have a clue first.
Morgan Hamilton offers expert advice and great tips regarding all aspects concerning money. Get the information you are seeking now by visiting http://www.makingmoneymanual.com/making-money/making-money/how-to-earn-money-online.htmlArdra Blog66532
Aleda Blog13951

Will Health Insurance Really Save Money?

Health insurance is a type of an insurance whereby the insurer pays the medical costs of the insured, if the insured becomes sick due to covered causes or due to accidents. A health insurance policy is a legal binding contract between the insurance company and the insured.

Health insurance benefits are many. Health insurance is termed also as accident insurance, sickness insurance and medical insurance. Health insurance is purchased generally, with no assurance of renewability and if renewable no guarantee that premium rates will not increase.

Before getting the health insurance a person who wants to insure, may ask to fill a comprehensive medical history. In that they came to know about whether the person suffered from any disease or he/she has some bad habits such like that. Regarding that the person can claim for insurance with some restrictions.

In our scheduled commitments its very essential to maintain our healthcare in the day-to-day life. You can save money for health insurance by joining in an association that allows members to get together in a local chamber of commerce for the insurance. The money we spent for health insurance will be affordable like our day to day expenses.

Health insurance costs rising in all the time. Many people feel that they cannot afford for health insurance. Some feel they dont need it, because they are healthy and fit. But its wrong. If you think that you need health insurance, there are lots of ways to get affordable health insurance for yourself and to your family. It is a protection against the health problems that could happen in the future. Its a precaution. We have to go by the proverb Prevention Is Better Than Cure.

Health insurance can be classified into two classes- indemnity plans and managed care plans. The basic difference between the two is that while in indemnity plan the insured has the right to approach any doctor and get indemnified of all or a part of the medical expenses; in managed care plans, the insurance company will restrict the insureds choice of doctors and hospitals. The insurance company has entered into an arrangement with select doctors and hospitals for the health care needs.

Each health insurance company has its own set of policies and procedures. If you have a large claim, you will want to review the rules especially carefully. Many claims are denied over a simple technicality. Knowing the process is likely to help you make sure your claim does not get denied.

Remember, insurance companies are hoping that you will not need medical services. That is how they make their money. If you don't use your insurance, the insurance company just gets to keep it. You will notice that the bigger the claim, the more paperwork you will need to fill out and the more red tape you will need to wade through.

If you receive medical services that should be covered by your insurance, make sure that the doctor or hospital files the appropriate forms. Make sure that you file any forms that you need to in a timely manner. If you have any questions, call the insurance company directly and find out the answer. Make notes of whom you speak to and when.

Health insurance really saves your money. In case, if you met with an accident or you suffer from severe attack. That time you may not in the position to spend that much of amount. But if you applied for a health insurance, it may saves your money otherwise you can claim for the amount that you had spent. In some cases they may not take into account about insurance that time you may spend your money and later you can claim for the amount you spend by providing proper documents and you can reimburse the amount you spend on it, if its reasonable according to the instructions.

Insurances can be manage by both lower and higher level peoples. Every state has a Medicaid program but the requirements vary from state to state. All you have to do is to fill out the application and submit the documentation about your finances. This program covers the insurance needs of the entire family including dental care, eye care, doctor visits, emergency care, prescriptions and more.

Another option for cheap health insurance is to look on the internet. There are lot of companies that offers different type of health insurance plans. It is possible to find out the perfect for your family. The costs vary from one to other, so its in your hand to verify about it and choose a better company among others. Any way health insurance safeguards your family from the expenses that you spend for your health.

Caroline Mercy is a SEO copywriter for California Health Online as well. She has involved herself in this field for more than 3 years. For further details related to the article you can visit the site http://www.californiahealthonline.com. You can contact her through mail at caroline.mercy@gmail.comAlejandrina Blog85483
Aridatha Blog64217

The Difference Between Debt Consolidation and Debt Negotiation

Debt consolidation is a plan to get you out of your debt through combining all your debts into a single larger debt, and paying to a single creditor through a single check each month. Debt negotiation is a process of negotiating with your creditors to bring down your total amount of debt. A good debt negotiation company can help bring down your total debts by as much as 50 to 70 percent. A word of caution, though. Debt negotiation may sound great, but it can adversely affect your credit report.

The Pros And Cons Of Debt Negotiation

A debt negotiation company discusses your financial status with your creditors, and offers to pay off all your debts in one go. The catch is that they offer to pay, say, $4,000 cash now against the total debts of, say, $12,000. The very fact that you have appointed a debt negotiator on your behalf is a sign that you are a bad risk, and most creditors will settle for cash now, as against the balance over the next 10 years or so.

The flip side to debt negotiation is that it affects your credit rating in a negative way. The commission to your debt negotiator is usually between 14 and 25 percent of the total settlement.

What Debt Consolidation Experts Do

Debt consolidation experts negotiate on your behalf to arrange to reduce the rates of interest, and to reduce or eliminate the late fees and other charges and penalties. They help consolidate all your outstanding debts into a single debt, and arrange a monthly payment schedule consisting of reduced amount, by as much as 20 to 40 percent.

They usually charge a monthly service fee of around 10 percent, and your payments are referred to credit bureaus. They advise you to close all your credit card accounts, and may allow you to keep one active for emergency uses.

It is for you to decide which course of action you wish to take.

Gibran Selman takes care of http://debtconsolidationcenter.net a website dedicated to gather information, on and off the internet, about debt consolidation and other related subjects.Almira Blog82432
Adrien Blog60710

Lottery Syndicates - Should You Participate?

There are times when youve got to look up to the power of One and there are times when you just have to say Team. When talking of lotteries, you increase your chances of winning manifold when you participate in an e-lottery syndicate.

An online syndicate harnesses the power of the internet to enable people participating in a lottery to win more frequently. This happens because when you purchase a lottery via a syndicate, you automatically make yourself eligible for the winnings of other members. In essence you are entering a given lottery draw multiple times at no extra cost. Thus, your chances of winning increase exponentially. Of course, the winnings are split between the participants. So, an e-lottery syndicate is basically a trade-off between a potentially huge lottery win against better chances of winning a smaller packet

Syndicates can span many countries; for example Virtual World Direct (VWD), which runs a syndicated effort for the Euro Millions lottery, is available to citizens from Belgium, France, Spain, Austria, Ireland, Portugal, Switzerland, and Luxembourg. The vast player population along with the combined lotteries of different nations makes Euro Millions the biggest bumper lottery system out there.

By becoming a member of an e-lottery syndicate you get access to some of the largest tax-free lotteries in the world. Membership is easy; all that is required is a computer with an internet connection and a credit card. With an e-lottery syndicate you do not need to keep purchasing tickets every week and visit your lottery seller for checking results. The whole system is computerized and when you win you are intimated by email. You do not have to go anywhere to collect your winnings, they are sent to your house.

There are several online resources which review e-lottery syndicates. You can refer these before you decide upon the syndicate most suited to your style and pocket. Membership fees may vary and the number of participants in a group can also differ. You should also check for member reviews on different online forums, inputs from your countrymen can be especially revealing. Check for the kind of customer service and back-office support offered by the syndicate. Of course, scams abound and you should be alert and not fall prey to anything that sounds too good to be true.

Two popular lottery syndicates are the UK National Lottery syndicate and Euro Millions syndicate run by VWD. The UK National Lottery syndicate consists of multiple groups with 49 members in each group. So, the winnings in a group are shared by 49 members. With just 5, you make yourself eligible to winning against 88 lines that open every week. The money is to be paid 4 weeks in advance. The draw occurs twice a week. The VWU Euro Millions syndicate has 39 members to a group and there are 36 lines in each draw.

Finally, you could also take a look at the range of software available for lottery and gaming enthusiasts. This includes syndicate management software for syndicates, entry management software, and lottery analysis software for the players.

Sveinn Johannsson is an executive affiliate member of the e-lottery syndicate system that effectively increases your chances of winning The UK National Lottery and The Euro Millions Lottery.Anallese Blog1537
Alison Blog271

From The Living Room To The Office

Tired of finding colored pictures among your invoices? Have you ever discovered random lego pieces among your inventory? If so, you must own a home business, and you must be working from anywhere in the house but your very own office. So you need a home office. How does a home business owner move successfully from the living room to the office?

First, the home business owner needs to establish his or her own space for an office. Find a spare room or a room you can easily concert into an office. Even a corner of the garage will do for a first-time home business owner. Remember to start small and invest little at the beginning, and then when you can afford it, you can build or create the office of your dreams. If you do not have your own space, however, you will be doomed forever to finding peanut butter smeared on important documents, and you will sacrifice the professional look that you need to exude to have a successful home business.

Secondly, once you have your space chosen and established, organize your goods. Invest in some organizational materials like shelves (cheap from the hardware store), categorizing materials like labels and sharpies, colored boxes, and a filing cabinet. Once you know what you need for organizational materials and invest in them, organize your office with two frames of mind: organize it so that it makes sense to you, and organize so that if something should happen to you and those you love most would need to find important documents quickly, they would be able to. So your system should not just make sense to you, but it should make sense to just about anyone. It should be simple enough that your fifth grader can understand it.

Finally, establish and maintain office hours. Certainly you chose to come home or establish a home business so you could earn a living with minimal family sacrifice. However, if you do not establish and maintain office hours, you will lose the business you dreamed of. Consider the best times for these office hours. If you're a stay-at-home mom, then establish those hours at times when your husband is home and can watch the children or when you have a regular play date established with the neighbor's children. Maybe you want to work during your child's regular nap or individual play time in the afternoon. Regardless of what you choose, establish those hours, and then train your family to respect them. Otherwise you may never finish your work.

Ultimately the success of your business lies on you, the home business owner. If you can establish a specific place and time for your business, you increase the odds of success. Keep your business in the office, and resist the temptation to take your files to the living room so you can watch the most recent re-run of Law & Order with your spouse while looking at documents. Inevitably you will lose an important document and not discover it until you move the couch for the carpet cleaners six months down the road.

Jim Biscardi is owner of Dynamic Wealth Systems, LLC and writes on a variety of subjects. To learn more about this topic Jim recommends you visit: http://www.DynamicWealthSystems.comAdrian Blog80678
Allis Blog95767

Making Money With Special Reports

One of the easiest ways of making money these days is to offer How to money-making reports for sale. Everybody wants to make more money and it seems the public have an insatiable appetite for ideas on how to make money. Satisfy this need and make yourself hundreds of dollars in the process.

This business opportunity works best if your reports are all about showing people how to make money. This is the best selling topic as there seems to be an ever increasing demand for these type of reports. Other types of reports dont sell so well so it would be best to stick to these money-making reports to ensure quicker success.

GET REPORTS TOGETHER

The first thing to do is to get reports together to form a series based on a specific topic. A series should comprise of between 10-15 reports and each report should be between 2-3 pages in length. These reports will become your products which you offer for sale per series. Remember the best reports to sell are those reports that show people how to make money. You can get reports for resale in one of two ways:

By purchasing reprint rights

Here you use other peoples reports by purchasing the rights to reproduce and sell them for yourself. There are many authors out there who will gladly supply you with a thousand reports with reprint rights for around $50. One such place is http://www.cashmaker.co.za/reports.php You only pay for these reports once and no other royalty payments are levied. This means that you get to keep 100% of the profits for yourself.

By writing them yourself

If you are fairly knowledgeable and experienced in specific money-making opportunities, you may wish to put these down on paper. Even if you dont know much about something, you can research on the internet and/or libraries. Another way to put together information is to speak to experts in the field. Youll be amazed that most of these experts are helpful individuals who will not hesitate to impart their knowledge and advice.

Once youve accumulated these reports and formed them into a series of 10-15 reports, you are now ready to begin marketing them. A great price to charge for these reports is $10-$15 per series.

MARKETING THESE REPORTS

There are two ways to market these reports. One is through conventional mail order and the other through the internet.

Conventional mail order

Prepare a one page sales brochure describing your reports. Make this brochure appealing to your customer, include a price and an order form. Now write out a 3-4 line classified ad and place this in relevant sections in various newspapers. You would ask respondents to write or call for further information. An example of a classified ad may look like this: Free Report! How to make big $$ in your mailbox everyday! Send SASE to

Its a good idea to ask for a SASE (self-addressed-stamped-envelope) from readers as it saves you postage. Once you receive the SASE from the reader, you place a sales brochure into it and post it. If readers like your offer, they will send you a payment through the mail by check or postal order. Alternatively, you could place a larger ad in magazines and newspapers with much more information, including an order coupon and order details. A customer will place their order directly to you upon reading your larger ad. This order will also come through the mail. Another great idea is to rent mailing lists of income opportunity seekers from a mailing list broker and mail out your sales brochures to these prospects.

Internet

The internet has made it easier and cheaper for mail order businesses to operate. Here you will do a web page detailing your offer. You will need to link up to a payment processor like Paypal to debit your customers credit cards or Paypal accounts. You advertise your offer in free classifieds, through pay-per-click advertising or through email campaigns. A visitor, interested in your offer, will read through your web page and place their order with their credit card or Paypal account. The credit card processor will collect the monies on your behalf and remit it to you.

ORDER FULFILLMENT

Your last step in this process is to fill the customers order a process known as order fulfillment. Obviously, the process varies depending on what sales method you have used.

Conventional mail order

Once you receive a customers order with payment, you may now post the reports to the customer. You have the reports photocopied, bind them neatly if necessary and insert them into a big envelope. Affix the correct postage stamps to this and post.

Internet

Prepare your reports either in pdf format or text format. You upload a copy to your server and note the location of this file. Your website then needs to be integrated with the payment processor so that as soon as there has been a successful payment, your customer is taken to a download page that shows a link to this file or you can set it so that an automatic email is sent to the customer providing the download link. Your customer may then download these reports on to their computer by right-clicking the download link and choosing Save Target As.

I was first introduced to this concept eighteen years ago and even up to this day, it is still a greatly successful and lucrative opportunity. Give it a try and youll see what I mean!

Copyright 2006 Anwar Ahmed Ally

Anwar Ally has been in the work at home industry for over 18 years has an extensive knowledge and experience in all matters relating to work at home opportunities. He is the founder of: http://www.thehomeworker.orgAnjanette Blog83602
Aurea Blog15544

Honest Paid Survey Review Learn the Truth about Paid Online Surveys

Paid online surveys is getting more and more popular, it is a good work from home opportunity because it is an easy and free way to make extra money online. However, with so many paid online survey sites popping up everywhere these days, it is difficult to determine what is real and what is ugly, especially for someone who is new to the paid survey world. To give a real picture of paid online surveys, I have outlined some of most basic and common fact about paid surveys in a Questions and Answers manner.

1. Are paid surveys for real?

Yes, Paid online surveys are for real! There are a good number of legitimate marketing firms/paid survey companies will pay you just for your time and opinion. They pay you to find out what do you think about businesses and manufactures products and services.

2. Why so many people think paid surveys are scams?

I think there are three main reasons:

First, there ARE scam/spam sites - they claim to be paid survey sites and in-fact they just want your personal information and turn around and sell it.

The second, there are many websites promoting those "scam/spam" sites just for commission. If you see any websites (paid or free) that list hundreds (300+ or 400+) of paid surveys sites, please be aware! Lot of those websites just promote anything they can for commission, no matter it is scam or spam. Remember, more is not always better!

The third, lot of survey starters do not realize that it takes a while to get paid. Two or three weeks after signing up and taking some surveys, you don't see the money coming in and you start questioning this paid surveys thing is just another online scam. Lot of people just give up this way because they don't know if they signed up with legitimate survey companies and completed surveys, they will get paid, however, it takes time- lot of survey companies have minimum payout requirement to cash out reward, and it certainly takes time to reach that requirement. Also, it takes average 2-3 weeks for surveys companies to process payment.

3. How much can I make for taking paid surveys?

The answer really depends on several factors:

1). How many legitimate paid survey sites did you sign up with;

2). Your demographic profile which determines the number and types of surveys you get and qualify;

3). The amount of time you spend participating in surveys, focus groups, etc;

4). How lucky you are when it comes to drawings, rattles and sweepstakes.

I would say if you signed up a number of good survey sites and take the majority of the surveys you are invited, you could make $1000 to $2000 a year in cash, gift certificates and prize combined. I personally make average $200 a month and spend about an hour and half a day taking online surveys, it takes me about a year to reach this level.

Can you really make $100 an hour? - It is possible to make $100 for a one hour focus group discussion, but you won't have this kind of opportunity to fill a whole day's work. The truth is you are not going to get rich or make a full time salary by doing paid surveys. However you certainly CAN make pretty good extra cash.

4. Do I have to pay to take surveys and get paid?

Absolutely NOT! Legitimate surveys companies NEVER ask you to pay to take surveys. They are always FREE to join, and it cost absolutely NOTHING to take surveys and get paid! Please be aware the difference between survey sites and Paid to Sign Up offer sites, the later pays you for signing up offers, and sometimes you might need to pay upfront a small amount to try the offers.

5. Should I pay a database/directory/list for paid survey sites?

No. With some effort, you should be able to find all yourself. The problem with those database/directories is they usually promote everything they can find for commissions, no matter it is scam or spam, and they can NOT be trusted.

Doing paid surveys is not going to make you rich, but it's certainly an easy and fun way to make extra cash. I enjoy testing new products before they come out of the market and giving opinion on existing products and services to make them better, and the fun part is I get paid for doing so!

Copyright 2007 Mei Lynn.

Mei Lynn is the website owner of http://www.mysurvey123.com - The most comprehensive and informative site about paid online surveys, where she provides the Best FREE paid survey lists, paid survey guides and honest paid survey reviews.Alys Blog20384
Aurelie Blog4731

eBay Safe Buying Tips

It's important to remember that eBay is like an online flea market or swap meet. There will always be someone trying to sell things that most people wouldnt touch. The trouble is that online, when you can't physically view the merchandise, so these people can be a little harder to spot. Here are some tips to make your eBay experience more enjoyable and safe.

Know Your Seller...

This, by far, is the most important research you must do before placing your bid on eBay. Getting to know a little about your seller before you bid on their item will make for a much smoother purchase.

1) Review the sellers feedback and member profile.

Check the seller's eBay feedback before you make a bid. The feedback rating will give you a good idea about the trustworthiness of your trading partner. One or two neutrals or negatives can be overlooked due to the fickle nature of some buyers, however if a trend of poor service or item quality comments is visible you may want to avoid the seller entirely. If a seller has no feedback or negative feedback, contact the seller before bidding to get a feel for their customer service.

2) Ask the seller questions.

Email the seller with questions by clicking the Ask seller a question link. If you have won an item, you can request the sellers contact information to get more information.

3) Review the sellers policies on shipping, payments and returns.

Shipping and handling Review shipping and handling charges before you bid, and ask to have your item shipped and insured in a traceable manner. Avoid sellers who either won't disclose or charge exorbitant shipping charges.

Payment Consider paying with PayPal or with a credit card, as most offer 100% consumer protection. Be careful when sellers only accept one form of payment, especially when the seller requests cash. NEVER PAY WITH CASH and use caution when paying with cash equivalents such as wire transfers.

Returns Examine the seller's return policy carefully before you bid. Contact the seller before you bid with any questions about the return policy. Some questions you might ask include how long do you have to return the item, who pays shipping and handling, and under what circumstances can you return the item.

Know your item...

Read the description fully. Most misunderstandings result from buyers not carefully reading the item description in the auction listing. Use caution if the price is significantly lower than similar auction items. If the price seems too good to be true, it probably is. Review the item condition, whether it is new or used, and any damage described.

Be realistic when purchasing used items. People have different definitions of quality and condition. Remember, just because the seller says the item is in "like new" condition, doesn't mean you will feel the same way. A 25 year old item is likely to have some wear and tear so don't be overly critical of the item when you receive it. Take the condition of the item into account BEFORE you place your bid.

Use PayPal...

Take advantage of PayPal for safe and fast funds transfer between you and the seller. PayPal is eBay's preferred way to pay. It is a system that lets anyone with an email address securely send online payments using their credit card or bank account. eBay members can use PayPal to quickly and easily pay for all the items purchased on eBay. PayPals industry-leading fraud prevention measures make it a safe way to pay online.

When youre shopping on eBay, look for items that are covered by PayPal Buyer Protection. With it, you get free protection of up to $1,000.00 USD on your purchases. To determine if your item is eligible, look for PayPal Buyer Protection in the Seller Information box on the View Item page.

The more that you know about your seller and the items that you are bidding on the safer you, as a buyer, will be. Spending some time doing research before you place your bid will help to ensure a positive buying experience.

Peter Andrues is an author, publisher and internet expert who helps people become successful online Marketers. Aidan Blog85290
Alethea Blog12064

Fix it and Flip it - How I Lost Money on Real Estate

I've known a lot of people who have lost money when they sold their homes. In fact, I'm one of those people, and it's happened to me more than once.

There are a number of factors can cause a financial loss when you sell your house, including the need to sell at the wrong time due to divorce or an impending foreclosure, or a downturn in the local real estate market. However, it's also common to lose money simply by making too many expensive changes to the house before putting it on the market. This is how I lost money on real estate, before I wised up.

My most resounding failure in the fix it and flip it market was a house I bought in Spokane, Washington. Knowing what I know now, I would have restricted myself to replacing the carpets and the kitchen and bathroom fixtures, painting inside and out, and buying new appliances. I probably would have replaced the old-style windows, too, to make the place look nicer and appeal to the energy-conscious buyer. These fixes could have been done easily within the two years I needed to live there to avoid capital gains taxes.

Since I didn't know what I know now, I made major renovations, which included moving the bathroom. I did most of the work myself, but the materials alone cost more than I could get back when the house was sold. With the exception of repairs done to the house to make it eligible for an FHA loan and watering the grass, I doubt that any of my major projects really helped me sell the house or increased its value.

If a house is actually sound, with no structural damage or insect problems, the biggest reason it will sell for less than its worth is usually cosmetic. This was certainly true of the house I bought in Spokane. Dirty carpeting, and a wall in the living room covered with mirror tiles, kept most buyers from going any further into the house. I could see past the cosmetic problems and see the home's full potential - but my imagination went a bit too far.

The floor plan was odd, and slightly inconvenient, but leaving the bathroom where it was would have been far more rational, financially. Why didn't I do that? Because my emotions and my nesting instincts took over, pushing aside all thought of future gain or loss.

Let's face it - most people don't buy their own homes with the intention of making a profit, although they certainly hope the house will be a good investment. In fact, the emotional stress caused by the process of buying a house and moving into it can be enough to completely erase any thought of moving again a few years later. However, I know several families who have made a very good living by buying underpriced homes, living in them and fixing them up, and then selling them when the IRS will allow them to do so without paying extra taxes. Clearly, these folks don't make any changes to these houses without carefully considering the bottom line.

After my Spokane adventure, I decided to learn from my mistakes, and find out how to stop losing money on houses. I read books by authors who are experienced in fixing and flipping houses - and then read them again. When I saw that most remodeling projects almost never recoup their costs when the house is sold, I was a little shocked, because I had been guilty of almost every mistake on the list at one time or another. I know many people who have also made the same mistakes, even when they started those remodeling projects with the intention of increasing the value of their homes.

When I bought my next house, I kept that list very firmly in mind. For instance, my kitchen was badly in need of a major overhaul, (or so I believed), and it was far too small. I pored over the latest home decorating magazines, and ideas came flooding into my head. I thought about knocking out some walls, and I even tried to imagine adding on to the house to make the kitchen bigger. New cabinets would be needed, and new appliances...

In the end I painted the kitchen cabinets and replaced the sink with a new one I purchased at Ikea. I covered the chipped orange Formica counters with printed cotton fabric, and coated it with many layers of water-based Verathane that was intended to protect wood floors. The complete "remodel" cost less than $400, as opposed to the thousands of dollars that I would have spent if I followed through on my idle dreams of a "perfect" kitchen. Since the house sold at a very good price within two weeks of listing it, my buyer obviously didn't mind that the kitchen didn't meet my idea of perfect. Because I kept my costs down, I made a handy profit on the sale.

Would I have been able to sell the house for more money if the kitchen had been remodeled and expanded? Perhaps, but not enough to cover the cost of the remodel. Although the National Association of Realtors lists a kitchen remodel as one of the projects that will increase a house the most, they still advise that you should expect to get back only 80% of the costs. If your new kitchen is far fancier, bigger, and more expensive than any other kitchen in the neighborhood, the returns will be even less. A full kitchen remodel can cost thousands of dollars, so the 20% you don't get back can be a big chunk of change.

Does this mean that you shouldn't make changes to your home that would make you happy? Not at all, especially if you intend to live there for many years. But it does pay to sit down with your spouse or partner before you start making your remodeling plans, determine exactly how long you'll be staying in the home, and then think about the full financial implications of the remodeling project. Even if you don't think of yourself as a professional house flipper, it might pay to slow down a bit and find ways to improve the home without spending money you'll never see again. As a bonus, your family might be able to avoid the stress and disruption of all that remodeling mess.

Jonni Good is the author of a new report that shows how she used these fix it and flip it ideas - and how the profit allowed her to buy her next house with cash. Visit - http://www.BuyAHouseWithCash.comAnabelle Blog58945
Aidan Blog85290

Cut Your Domestic Fuel Bill. Save Energy And Money.

Most homeowners are energy conscious and would like to do more but the cost of installing energy saving items can be prohibitive. If your boiler is inefficient and you need to replace it with a more efficient system, it could cost you thousands of pounds.

In addition domestic wind turbines, solar panels and ground source heat pumps are expensive and take over ten years to recover your investment. Most homeowners are keen to introduce changes but are trapped by rising costs. With rising fuel cost, homeowners are likely to turn their heating down to save money. This could see the return of hypothermia amongst the elderly this winter.

There is a very effective way to save money and improve the efficiency of your boiler without excessive cost. Attach a magnet to the fuel feed pipe of your central heating burner and you immediately improve combustion. A good magnet cost 65 plus postage but the benefits are enormous and long lasting.

The magnet conditions the gas or oil allowing it to mix better with air. The combustion is, therefore, improved. With better combustion, more energy is produced for the same fuel. If you are contemplating changing your boiler because it is inefficient or old, attach a magnet first and notice the excellent savings you will make. The more inefficient your boiler the more you save because the magnet will improve combustion to as near to 100% as you can get.

With improved combustion, the burner will need less servicing. In time the magnet will gradually clean the burner of deposited soot. Your service engineer may ask you if you used the burner since last serviced because it will be so clean. Your burner will last longer.

You save money on your domestic fuel bills, your maintenance and prolong the life of your boiler.

With Climate change a major issue, the magnet by providing a cleaner burn, will reduce harmful emission from your burner. This will be an important problem in time as governments tighten emission from domestic central heating systems. A magnet will help you comply with future changes in emission laws.

Even though you are still using fossil fuel, by attaching a magnet you are making efficient use of it.

In the past magnets were large and heavy but with new alloys, magnets are small, light and more powerful. A neodymium magnet of say 8000 gauss weigh 20 gms while the comparable Alnico magnet weighs 90 Kg. A neodymium magnet retains its magnetic properties for 100 years.

Magnets are easy to fit. Just identify the fuel pipe leading to the burner then attach to this pipe by straps and simply forget about it. The next thing you will do is turn the setting of your central heating system down because your home and your water will be hotter at that setting.

Magnets do not need maintenance. It will continue to be effective and when you move house, just remove it and attach it to the boiler in your new home.

With rising fuel cost, it makes sense to attach a magnet to your boiler this winter. You will recover your cost in no time.

If your grandparents or parents are likely to be affected this winter by the rising fuel cost, why dont you fit a magnet for them as a winter warmer present? Isnt it nice to know that they will turn the setting of their heating system down not to save money but because it is too hot?

Copyright 2006 Dr Phil Hariram

Dr.Phil Hariram is an Independent Ecoflow Distributor. He has cut his monthly direct debit heating bill for Calorgas(LPG) by 110% by attaching a Thermoflow magnet manufactured by Ecoflow, a innovative company that patented Central Reverse Polarity in magnets.Andromache Blog78434
Abra Blog23382

California Schools Educators Retirement System And Lionstone Group Create Investment Fund

The California State Teachers Retirement System (CSTRS) is the second largest public pension fund in the nation, providing retirement, disability and survivor benefits to California schools educators. Over 776,000 kindergarten through community college educators are members of the CSTRS, which currently has an investment portfolio of $142 billion.

Keeping quality educators in the California schools is of primary concern to everyone in the state. Without well-educated California schools youth, the city, businesses and economy of the state will suffer. Thus, when Lionstone Group, a research-based real estate investment firm, announced last month they and CSTRS had formed a discretionary $100 million real estate investment fund, the news was well received by everyone. As with any organization, good benefits will attract and keep quality educators in the California schools.

What makes the announcement so exciting is Lionstones track record with another fund it created with the Oregon Public Employees Retirement Fund (OPERF). Called the Cash Flow Office One, the fund has consistently exceeded expectations since its inception in December 2002. At that time, OPERF committed $75 million to the fund, expecting Lionstone to invest the capital within 24 months. Lionstone invested over 80 percent of OPERFs capital within 12 months with excellent returns. OPERF expanded its funding commitment in 2004 and now has over $200 million of equity and owns 20 office buildings around the country that are valued at $550 million.

Like OPERFs fund, the California schools educators fund, known as the Cash Flow Office Two, will target high occupancy office buildings in permanent locations across the United States.

CSTRS has committed $100 million to the fund, which can grow to over $500 million over time. Lionstone contributes one percent of the funds total equity. With the combined equity added to debt of up to 50 percent loan-to-value (LTV), the total buying power of the fund is approximately $1 billion.

The Lionstone Group was formed in 2001. It creates national investment strategies using primary research. Dedicated teams execute each investment strategy, including the fund for the California schools educators. Before creating the fund with the California schools educators retirement system, Lionstone refined their investment process to target locations that produce buildings with lower risk factors, according to Lionstone Principal Dan Dubrowski.

The California schools CSTRS Portfolio Manager Michael Thompson stated that the Lionstone management team over the Cash Flow Office Two fund is very entrepreneurial. He added that their skill set will enable CSTRS to continue to grow their core real estate portfolio.

This news gives all California schools educators hope for a better future, knowing they have an excellent resource during their tenure with the California schools and in retirement.

Patricia Hawke is a staff writer for Schools K-12, providing free, in-depth reports on all U.S. public and private K-12 schools. For more information on California schools visit http://www.schoolsk-12.com/California/index.htmlAmargo Blog40332
Allis Blog95767

Return Of The Monster

The Monster of the title is none other than Dollar Monster. Anyone who had dealings with Dollar Monster previously believed the beast had been slain by its owners but, it seems, it had just been banished and now is baaaaaaaaaack (as it says in its ads). Presumably the owners of Dollar Monster believe they have remained out of sight long enough for people to have forgiven or forgotten the events of 2004.

Dollar Monster pretends to be a friendly little monster who will help you to make money. It says: "DollarMonster's #1 priority is helping you make money!" In fact, its clear from the website that Dollar Monster will make the money for you and you can just sit back in your easy chair and do nothing. Dollar Monster claims to be the lazy person's way of making money; that should be a big enough hint that this program does not offer a legitimate way to make money.

Dollar Monster is a money doubler. Money Doubler programs enjoyed a brief spell of popularity back in 2004. Their popularity ended as one money doubler program after another closed owing members large sums of money and the whole money doubler industry was exposed as being a scam consisting of numerous pyramid schemes. The surprising thing is that the new Dollar Monster website refers to 2004 and to the notorious Easy Chair Club (sometimes described as the biggest Internet scam in recent history). It would seem more sensible for this site to pretend to have no connection whatsoever with the Easy Chair Club or the Dollar Monster that existed in 2004. In fact, it would seem more sensible to open up using an entirely different name because the people who joined Dollar Monster (or its sister site, My Magic Doubler) the first time round aren't going to be sucked in again and will warn people not to take part in the program.

The way money doublers work is that you pay money to the program, other people sign up after you and also pay money in. When enough has been paid in by new members, you get paid double the amount you first invested. The people whose money was used to pay you, get paid when members have paid enough cash in after them and so on

When money doubler programs are first launched, the cycle time is very short (it can be a matter of hours) but as more people join the cycle time gets longer because the number of new members required to cycle existing member positions grows exponentially. Eventually, the cycle time becomes so long the program ceases to attract new members and, when the cash injections dry up, the doubler stalls. With no new recruits bringing in cash, the members on the lowest level don't get double their money back, they lose all the money they paid in. At this point, the program and its owner normally disappear.

Money Doubler programs can survive for anything from a matter of hours up to several months. The ones that disappear within hours are normally run by outright crooks who had no intention of paying any money out to anyone. As soon as they have obtained a substantial sum of cash, they just vanish with it. If you are lucky you might avoid these particular crooks and might even make some money. One thing that is guaranteed is that if you aren't lucky enough to join at the right time, you will lose your money.

I hope the return of Dollar Monster does not signal the start of a new money doubler craze. People who were not around in 2004 might take to money doublers as a replacement for the rapidly declining autosurf for cash programs. In 2004 I fell for the story that money doublers were legitimate programs and the money they paid out came from advertising revenue. I speak from experience when I say that if you want to make money on the Internet, you have to work for it. Dollar Monster and similar money doubler programs are not an alternative to working for a living.

Visit Elaine Currie at her Work At Home Income Directory Website to start your Home Business today. http://www.HuntingVenus.comAnnmaria Blog62385
Abigail Blog62458

Student Loans A Simple Guide

There are various resources to find money for a college education. Student scholarships, student loans, and grants are available to get a college education. After going through the merits and demerits, the best option may be chosen.

Student loans are different from a student scholarship since they have to be repaid. Student loan schemes are available in two different types. One is a subsidized loan and another is an unsubsidized loan. The interest for the subsidized loan is taken care of by the Federal Government in USA and in other countries the finance ministry provides some sort of assistance, whereas the unsubsidized loans carry a normal percentage of interest. Eligibility for a subsidized loan can be found out by filling in the relevant details online

The students and the parents can become tense at the time of planning how the expenses of a college education will be met.

To finance a college education, a programme called FFELP (Federal family education loan programme) provides the most flexible and affordable student loan options. Using the loan finder web service a student can find all the required information for applying for a federal loan online. Find more info at www.loanresourceonline.info

Additional finances not covered by the federal programme such as education related expenses, overseas study, and housing can be procured through a private student educational loan. When compared to credit cards, these programmes carry a marginally lower interest rate and have very easy payback terms.

Many of the student loan agencies - both government and private - have online submission and processing facilities hence the loans are accepted after a review within a week or sooner. The repayment of the Federal student loan can start six months after the graduation of the applicant.

Student loans can be used not only to pay the fees but also for lab fees, dues for associations and housing. A student can still avail an educational loan even though the tuition is covered by a grant.

A student who is eighteen years or above in age, can apply for a student loan. Most of the student loan is deferred for repayment until the student completes the education or leaves the school.

Private loans for students are not given without a co-signer or a credit report. Credit unions give student loans if a vehicle or a boat is provided as collateral.

During the cumulative credit period, a student has the option of paying or not paying the interest part of the loan. It will become easier if periodical payment is made to cover the interest. If this is done, the capital repayment after completing the studies becomes easier for a student.

Student loans are to be repaid in ten years. Nevertheless, longer repayment facilities are provided to large student educational loans.

Lucy Bartlett is a proud contributing author. Find more articles at http://consumerresourcesportal.info/ For more info visit http://loanresourceonline.info/ or http://loanresourceonline.info/student-loans.phpAdrianne Blog2892
Andree Blog77874

Buried Treasure - Where To Look

An example of buried treasure? As a young man I buried 100 ounces of silver under my parents house. There was a crawl space that could be accessed from the basement. I pulled the plastic back that covered the dirt, and roughly five feet out from the west and south walls dug a hole. I put my plastic container with it's ten ten-ounce bars of silver into it, covered it up and left it there for years.

Did I tell anyone where it was, or even that I had buried it? Of course not! The point of hiding things is so nobody knows where they are, right? By the way, I have long since dug the silver up and sold it, and keep my money in the bank now instead of the ground. However, what if I had died while I still had this buried treasure under my parents house?

My guess is that it would be at least a couple hundred years before anyone found the silver. there was no reason for anyone to be digging under that part of the house. There was also no way for anyone to know they should be looking. The obvious question arises: How many people have died and how many die every year without ever telling a soul about their hidden money or buried treasures?

Many. The treasury department estimates that billions in currency alone has "disappeared" in recent years. Where is it all? Here are some of the places to start looking.

Places To Find Buried Treasure

- Under rocks in highway rest areas. There are many reports of criminals and drug dealers to burying large amounts of cash under rocks in the woods at highway rest areas. Hide the evidence, get sent to jail, and what if he never comes out? Treasure hunting time!

- Under the edge of cement slabs. Look for sagging or cracked cement where the ground might have been loosened up.

- In old pump houses. People used to hide things in the pump houses, in the ground underneath, and even inside of pipes that connect to nothing.

- Caches buried near signs. The point was to have a way to remember where the treasure was buried.

- In hotel rooms. Hotel owners report that cheating spouses on business trips hide their rings before going out for the evening, and then forget them. Look under mattresses, on top of light fixtures, and behind pictures.

- In rivers, especially next to bridges. Criminals and kids throw things off bridges to hide them quickly. I have seen several bicycles laying in the bottoms of rivers, and I hear that guns are a common find.

- Inside old books. This has been a common place to hide money for years.

- Inside walls, usually by outlet covers. An outlet cover usually has just one screw to remove, and you might se something by shining a flashlight inside the wall.

- Buried under rocks in backyards. The rock is for remembering where the buried treasure is, and backyards are more common because the person is less likely to be seen burying something here.

Have you ever hidden anything? Do you have anything hidden now? If you wanted to hide money or other valuables, where would you put it? You can understand how things get buried and forgotten. Now start to think like the person who hides things, and you're ready to search for buried treasure.

Steve Gillman has studied unusual ways to make money for thirty years. To learn more, including more places to find hidden treasure, visit his website; http://www.UnusualWaysToMakeMoney.comAdriana Blog71724
Adriana Blog71724

The Mysterious World Of Auto Leasing

Auto leasing and the marketing thereof have been somewhat under the radar the past few years due to very low interest rates offered up by lending institutions. For most, the allure of leasing a car has been the advantage of lower monthly payments. With the low financing rates, this advantage has been shifted to traditional financing.

The world of car leasing has a long history of being somewhat less than straightforward. Even now one can find some pretty good deals out there, but the financial process around leasing a car can still be more than a bit confusing. And its this confusion that can leave you with a less than warm and fuzzy feeling after your leasing transaction is all said and done.

So, in an effort to avoid or mitigate the confusion when it comes to auto leasing, lets take a look at some basics.

In auto leasing you are only paying for (in the form of monthly payments) the portion of the car that you use over the life of the lease (the part you use is how much the car depreciates). As part of your monthly payments, youll also be paying sales tax and finance charges.

Yes, finance or interest charges. In car leasing vernacular this is known as the money factor.

What determines how much of the car you will use is the cars residual value. The residual value is a predetermined number as to what the market value of the car will be at the end of the lease.

For example if a $20,000 car has a residual value of $11,000 at the end of your 36 month lease this means that you will have used $9,000 of this car; so your monthly payments will be based on $9,000 over 36 months. As you can see, the better a car holds its residual value or the higher that value is... the more favorable your monthly payments will be.

More often than not the money that you will need to come up with up front is your first monthly payment and a security deposit. Of course, you are more than welcome to put more money down (cap cost reduction) just like when purchasing a car; if you want to lower your monthly payments even more.

The cap cost or capitalization cost is another name for the price of the car youre looking at. And, just like purchasing, you can and should negotiate the price or in this case the cap cost of the car. In fact, I wouldnt even disclose the fact that youre considering leasing until youve negotiated and agreed on an actual selling price of the car youre looking at.

As you see, doing your homework is every bit just as important as and probably more so than when you are actually purchasing the car. Negotiating and leasing a car based solely on achieving a monthly payment is probably the number one reason consumers get stuck paying too much.

Cap cost reduction is almost always negotiable. If a dealer tells you that it is not or unwilling to do so they are plenty of other vehicles and dealers that offer and will.

We touched on the money factor which is the leasing equivalent of the interest rate. Are you getting the best possible money factor? Just like the purchasing side, the dealer can add points to a money factor just like they can to an interest rate in order to maximize their profit. This is why it is extremely important for you to know your credit score and at what interest rate you qualify for before you even set foot in a dealership or you could really get well made love to.

Many factory warranties on vehicles run for 36 months. This is a good reason not to be looking at leasing a car for longer than the factory warranty. In addition, once you get out past 36 months on a car lease, you rapidly start losing the advantage of the residual value since most depreciation occurs early on.

Lastly well, maybe not lastly when it comes to leasing but lastly within the scope of this article; if you have good credit, or perhaps have been a good or repeat customer, ask the dealer to waive the security deposit and/or the acquisition fee. First of all, they wont if you dont ask; and secondly this is certainly a fair request as part of the negotiating process. Worst case they say no. Best case... you save some more of your hard earned money.

Jeff Neilan's car dealer experience offers insightful car buying tips that save you time and money. Be sure to visit http://www.acarbuyersguide.com.Alethea Blog12064
Ardra Blog66532

Here is a Top Ten List on Ways to Seek out the Inexpensive Engagement Ring Bling

Affordable diamond engagement rings tip number 10: Compromise on one of the C's. Not all of the C's have to be of the highest quality. For instance, get a slightly lower grade cut, clarity or color.... it most likely won't be visible to the naked eye and you'll save some cash.

Affordable diamond engagement rings tip number 9: Are you stuck on getting a diamond? Gemstones such as sapphires and rubies are generally cheaper than diamonds and can look very striking.

Affordable diamond engagement rings tip number 8: Run far far away from the retail stores...... there are no deals to be found here. Unless your cousin Jimmy works at a jewelry store and can hook you up with a deep discount, online stores will almost always offer a better deal. However, make sure you buy from a reputable online merchant. Check the Better Business Burea to see if there are any outstanding complaints against the merchant. Make sure you buy a GIA or AGS certified diamond.

Affordable diamond engagement rings tip number 7: I can't tell the difference between the look of a white gold and platinum band. The only difference I see is in the price tag.... white gold costs half as much as platinum.

#6: Go antiquing. Antique diamonds are usually one of kind because they were cut by hand. These rings are not only unique looking but they often come at a bargain basement price.

#5: I'm going to say the p word.....pawwwwwnnnnnnn.... Pawnshops are also a great source for inexpensive diamonds and engagement rings. Pawn store jewelry can often be considerably cheaper than the items from the luxury jewelry store at the mall. When people pawn their goods, it is because they are desparately in need of cash or they no longer have any emotional attachment to the item.....that's where you come in and find the bargains. See if you can negotiate with the pawn dealer and get an outside appraisal for your protection.

#4 Could you believe that three diamonds could be less expensive than one diamond? Three stone diamond engagement rings have become popular for this reason. They look great and often cost less. Large diamonds are more rare and therefore cost more. Hence get three smaller diamonds that are less expensive but look just as substantial when lined up on a ring.

#3 Someone else's loss could be your gain. This is the harsh reality of life. Engagements get broken.....marriages end in divorce. When this happens, people are looking to quickly get rid of the item that once represeneted love and happiness. There are quite a few bargains to be found on ebay.......but take precautions..... you don't want to be the victim of any sort of fraud.

#2 Buying a bridal set (the engagement ring and wedding ring together) may save you some cash versus buying the rings separately. Plus, when you buy a bridal set, the rings will fit together perfectly, which is not always the case when you purchase the rings separately.

#1 Buy a simple engagement ring. Many diamond stores offer programs where you can upgrade your ring at a later date. On your first anniversary together, perhaps you can upgrade to a bigger diamond or a more elaborate, ornate band.

Julie Shields recently got married and sports a beautiful ascher cut diamond ring. She and her husband put together the website: http://www.ultimate-engagement-ring-guide.com to help you find the perfect engagement ring.Audra Blog96839
Alene Blog79073

Real Estate Investments and How to Make Them

Mistake # 1. Spending thousands of dollars buying books, tapes and attending seminars and then putting all of that information on a bookshelf and never looking at (or using) it.

Comment: Im continually amazed at the number of would be investors who have spent a bundle of money attending seminars, getting an education and then never using it to start

their investment program. Not only is it a waste of thousand of dollars but it could be the

biggest financial mistake you can make.

Mistake # 2. Failure to learn the basics of real estate investing.

Comment: The other extreme to Number 1 above, are potential investors who realize real estate is the best way to accumulate wealth and venture into the purchase of properties without knowing the basics of real estate investing. Those investors are almost certain to get into financial trouble.

Mistake # 3. Fear of making a huge financial mistake

Comment: We all fear making mistakes, especially a large financial one. If you follow the advice in Number 2 above, you wont have to worry about making a financial mistake.

Mistake # 4. Not looking at enough properties

Comment: Dont fall in love with the first property you look at. Too many investors buy properties because they look nice or they are just to lazy to see what else is currently on the market that may be better. Part of sound real estate investing is in giving yourself a choice so you can select the best one, financially.

Mistake # 5. A better deal may be just around the corner syndrome

Comment: This is the opposite mistake of Number 4. This investor never starts his or her real estate investment program because they always hope a better deal may be out there somewhere

if they just wait...and wait...and wait.

Mistake # 6. Thinking that real estate investing is strictly a complicated game that only the wealthy can play.

Comment: First of all real estate is NOT complicated if you learn how to do it first.

Did you know that even professional investors use a simple nine step process to analyze the financial feasibility of an investment property?

Here's a brief idea of the nine simple steps they use in analyzing any type or size investment property.

A Basic Financial Property Analysis

1. Scheduled Gross Income (Income if 100% leased) = $ 26,000

2. Less: Allowance for vacancies (5% of Gross Income) -1,300

3. Operating Income before expense & Mtg. Pmts. $ 24,700

4. Less Operating Expenses (Taxes, insurance, utilities,

repairs and maintenance etc.) 40% - 9,846

5. Equals: Operating Income (Income before Mtg. Pmts.) $ 14,854

6. Minus: Mortgage Payments: -12,863

7. Equals Cash Flow 1,991 = 6%

8. Plus: Mortgage Principle Payment +1,697

9. Total Return: $ 3,688 = 10%

There's a lot more to it than that, but you just read the basic nine step procedure most professional investors use when analyzing any income producing investment property.

Mistake # 7. Falling in love with a property

Comment: Once you get your feet wet and become a real estate investor, youll wonder why you waited so long to begin. Now youll face another problem. Many investors fall in love with their property. They have seen how well it is doing, cash flow has been going up each year, and they have fallen in love with their tenants (not literally). Two big mistakes are made here.

First, never fool yourself into thinking your property is doing too well to sell or trade up because your cash flow is considerably higher than when you purchased the property.

The second part of mistake number 7 is getting so friendly with your tenants that you fail to maintain rental standards based on what the market will bear. This greatly hinders your growth potential. .

Mistake # 8. Failure to plan your financial goals

Comment: Before you purchase that first property, which, of course, you financially analyzed, determine what you expect from your investmentsyour financial goals.

It's known as "The 'time vs. money" concept. The more you have of one the less you need of the other in order to reach your financial goals.

Mistake # 9. Trying to purchase properties that the seller is not motivated to sell

Comment: Ive seen potential buyers continually try to purchase investment properties that

are not really on the market. This includes property owners with the attitude that Sure, its for sale for a price. Unfortunately the for a price part usually means it will make no financial sense for a buyer.

Mistake # 10. Believing you can get rich quick overnight with no money invested of your own.

Comment:. Getting rich overnight will not happen . . . (regardless of what some of the so

called "experts" tell you). It takes some time, effort and knowledge of real estate investing to do

it with minimum financial risk.

The important thing to remember is that YOU can do it, too. You can join the millions of investors who create sizable incomes by investing in real estate.

Mistake # 11. No money down investing usually isnt.

Comment: Somewhere, somehow there will be some money required to put a transaction together and make it profitable.

It may be closing costs, repairs or upgrading, whatever. But somewhere, some money will be needed. There are ways around this problem without getting into a high risk situation. You may be able to finance every dollar you need, but it can come back to haunt you in the form

of mortgage payments you cannot afford to make. Again, learn what you are doing first.

Mistake # 12. Not financially analyzing a potential investment property.

Comment: This is the most serious mistake an investor, or potential investor, can make. I've seen a few pros in the business rely on a "worthless and inaccurate" rule of thumb to make a huge financial decision to purchase, with total disregard for how well the property will perform.

Oh, yes, there is one more major mistake many investor make:

Mistake # 13. Thinking it's important to pay off your mortgage as soon as you can

because mortgages are a 'necessary evil'.

Comment: First of all as a real estate investor, mortgages are good and not a necessary evil. You must learn why this is true. You must learn how, in the right situation, a second or third mortgage can be a good thing.

Second: mortgages are one of the keys to creating wealth in real estate. You must learn how to use financing as one of the keys to creating your own financial estate, without concern for it being "risky".

Milt Tanzer
http://www.investmentre.com
http://www.realestate-supermarket.com

Milt Tanzer has been a Commercial/Investment real estate broker and investor for over 25 years. Author of 7 books on real estate investing. Gave seminars to both the general public plus Realtor Association meetings for several years. Published by Prentice Hall division of Penguin Putnam. Adriaens Blog22778
Abigail Blog62458