Saturday, January 31, 2009

Country House Hotels Cotswolds England

We have visited several Country House Hotels in the Cotswolds in England and trust that the following will help in your search for a luxury hotel in the Cotswolds which is a beautiful part of England with numerous old English market towns and villages.

Broadway is a small town in the Cotswolds whose high street has a number of antique and gift shops and homes built of Cotswold stone. The Lygon Arms can be found in the high street and is one of several character Country House Hotels in close proximity to Broadway in the Cotswolds in England. The restaurant has a Michelin star and there are spa facilities. You can be assured of a warm welcome with roaring log fires in the winter months. This is indeed a luxury hotel in the Cotswolds.

Chipping Camden is a small town in the Cotswolds again with a wonderful high street where you will find The Cotswold House Hotel is a fine luxury hotel in the Cotswolds in England offering service of the highest standard with exquisite food served in both the restaurant and brasserie. This Country House Hotel has been designed inside in a modern theme but full of character with no expense spared.

Lower Slaughter is a small Cotswold Village with the trout filled River Eye running through it. Lower Slaughter Manor is in the centre of the village next to the church. It is one of two Country House Hotels in this Cotswolds village in this tranquil part of England. Personal service of the highest standard is provided. Enjoy afternoon tea in front of a roaring log fire in the winter or on the front lawn in summer. Beautifully decorated and furnished Lower Slaughter Manor is a luxury hotel close to the Cotswolds town of Stow on the Wold here in England.

Please do not hesitate to telephone us on 01562 631682 for further advice about a luxury hotel in the Cotswolds.


About the Author:

Alan Hope runs a lifestyle management and concierge service business for both UK and Overseas clients.
Visit his website at http://www.arrangeitlifestylemanagement.co.uk/id86.html




Friday, January 30, 2009

Options In Dealing With Offer On Your Home

You have gone through all the prudent steps necessary to sell your home. Once you get an offer, what are your options in dealing with it and the potential buyer?

Options In Dealing With Offer On Your Home

People selling their property will often become experts in the selling process. They learn how to position their home in the market, make repairs to clean it up, analyze the market of comparable homes in the neighborhood and so on. One of the odd anomalies of the process, however, is most sellers are not entirely sure of what to do once they actually receive an offer. Here are the basic options available to you.

When you receive an offer on the property you are selling, the first thing you can do is the most obvious. You can accept the offer! The offer should come to you in writing. You simple sign the provided acceptance line on the offer sheet and then follow the procedure outlined in the document to notify the buyer of your decision. You should keep in mind there is usually a time limit on the offer, so make sure to accept in time.

Your second option is to outright reject the offer of the buyer. To reject the offer, you typically are not required to do anything. The offer should contain language making it valid for a number of hours. You simple let the time period expire and the offer is rejected. If you get an offer on your property, however, outright rejection is rarely a good move. Instead, you probably want to try the third option available to you.

Your third option when dealing with an offer from a potential buyer is to make a counteroffer. The first offer from a potential buyer is rarely worth accepting because the buyer is trying to figure out how low you will go when accepting a bid. This means the price offered is going to be much lower than your asking price and is also going to be much lower than the buyer is probably willing to pay. Unless the buyer has offered to pay the listed price, you should probably try a counteroffer.

A counteroffer must be in writing. In making it, you must layout all of the terms that you want to see the buyer meet. In short, the burden is switched to you to nail down the specific terms such as earnest money deposit and so on. Frankly, you should already have this information in mind. It is not uncommon for multiple counteroffers to be exchanged until a price is agreed upon by the seller and buyer, so do not be put off by the process.

If you are selling your home, getting an offer is a great moment. Of course, you will need to know what to do with it, but now you do.

Raynor James is with the site - FSBO America - FSBO homes for sale by owner.

Tuesday, January 27, 2009

Tips To Help You Accessorize Your Cubic Zirconia Jewelry Like A Star




 



Tips To Help You Accessorize Your Cubic Zirconia Jewelry Like A StarSubmitted By: Melanie Spark  
















If you want to accessorize like a star, one of the best ways to begin is by wearing celebrity-inspired jewelry. What exactly does that mean? It's simple. We all see the gorgeous jewelry worn by our favorite celebrities and, on occasion, designers create pieces to mimic those very designs that we admire. Traditionally, these pieces would be made with imitation gemstones that are visually similar to some of the most expensive designs in jewelry. Even if you don't have millions of dollars to spend on your jewelry wardrobe, you can still accessorize like the stars that do. Here's how:


Dress up a simple black turtleneck sweater with a pair of sterling silver dangle cubic zirconia earrings. Whether it be chandelier or an elongated drape design, the reflective nature of these simulated diamonds will add a beautiful touch to classic black. This approach works equally well with any solid color turtleneck.


When you're attending a formal gathering, whether it be a wedding, anniversary or holiday party, try accessorizing a simple strapless gown with either a cubic zirconia necklace or an earring/bracelet combo. With one of the hottest trends leading into 2008 being that of shine, it's important that jewelry lovers accent their attire appropriately instead of overpowering it.


Adopt a trademark piece of jewelry that can be worn in a number of ways. A trademark is a distinctive characteristic or object, which makes a trademark piece of jewelry one favorite accent that you would wear on a daily basis and others would come to know it as being your style. Certain pieces of jewelry are created as elegant and occasional accessories, but others are developed in such a way that they can be worn on a regular basis. A cubic zirconia tennis bracelet, for instance, can just as easily go with you to the grocery store, the office and to a fine restaurant. By choosing a piece of jewelry that you can quickly dress up or down, you are truly optimizing your investment.


If you have pierced ears, never leave home without an earring. Even if it's a simple pair of stud earrings, which can often provide the perfect accent for those who want a touch of sparkle, it's important to not leave a pierced ear without decoration. Why? It's easy enough to leave the house without a necklace, ring or bracelet, but leaving an earring hole visible can leave you feeling unpolished.


When you read a magazine or flip through the television channels featuring your favorite entertainment program, you will probably learn that celebrity fashion is all about the trends. In the year to come, we will see a lot of color in both fashion and accessories. If you're looking to add the colors of diamonds to your wardrobe but don't have a fortune to spend, consider the alternative of cubic zirconia jewelry to spruce up your collection. Blue, red, black and champagne are among the stunningly beautiful colors of cubic zirconia that will be celebrated by those who not only want to accessorize like a star, but also shine like one.














Article Tags: jewelry, simple, zirconia













Monday, January 26, 2009

Attention Real Estate Developers What Is In Your Business Plan?

Do you need a real estate development business plan? You will if you want to obtain financing for your project. The first thing any lender or private investor will want to see is your real estate development business plan. This plan is specific for development of real estate. Your business plan will tell your story in an organized and concise manner. It will provide all of the critical information needed to judge your project. A well-written and professional looking business plan is crucial for your success in obtaining financing.

Most real estate developers make the mistake of not creating a good business plan or even getting professional assistance in developing their business plan. They will use the excuse of not having enough time or they can?t find the data. Don?t let that be your excuse! All a real estate development business plan really is, is the answers to a bunch of questions! You will learn what to include in your real estate development business plan.

Executive Summary

The Executive Summary should provide a complete overview of your project & company. This will include:

  • Brief description of the overall project. For example, develop a 4 star, 250 room luxury hotel in downtown St. Louis, Missouri.
  • Brief overview of the company ? Is it a corporation, LLC, etc? Who are the owners and/or board members? Brief company history & experience level.
  • Brief summary of the market & demand.How large is the market and at what stage of development is the market currently in?
  • Brief summary of the competition and what separates you from them?
  • Brief description of key Management team members.
  • Key financials - total acquisition & construction costs, nature & use of funds, future revenue & expenses.

The Executive Summary should be brief and an outline to your overall business plan. Now lets take a look at the specifics in the real estate development business plan.

The Company

This part of the business plan should give full details about how and when the company was formed. It should indicate the legal structure of the company, as well as where it is licensed. A key piece of information about the company is the company owners. Name all of the principals and their percentage of ownership.

Project Description

This section of the plan is where you explain your project in detail. Remember, you are selling your project so that you can get the funding you need! Is this a hotel development project? Is this a luxury, single-family home community project? Is this a multi-tenant shopping center? Give all the details about the project. For instance, lets continue with our hotel example. You will want to name the other amenities that will be located at the hotel, such as swimming pool, tennis courts, the number of conference rooms, etc. How many of the rooms will be suites? What other features & benefits will your project have?

You will also want to address where you currently are in the project. Has the land been purchased or optioned? Where are you in the permitting process? Has the architecture plans been drawn? How much time & capital has been spent on your project to date?

The Market

In this section you will provide the market type & size, current & potential growth rate, and relative stage of development of the area. You should also address why you chose this particular area. You should discuss any forthcoming changes in the market, government regulations, economy, and short-term & long-term trends. If you have performed any feasibility studies, you will want to include it as well as the source of the feasibility study.

The Marketing Plan

The main objective of any developer is to sell the homes, the stores or the hotel. And this can only be accomplished with a well thought out marketing plan. Who will handle your sales efforts? Will they be in-house or out-sourced? How will the pricing/leasing/room rate be determined? Will there be any brand or strategic partnerships involved? What is your marketing budget (in a table format).

The Competition

Any lender or investor in your project will want to feel comfortable that you know who your major competitors are. They will want to know that you have done a thorough competitive analysis. Name and describe all key competitors. What are their strengths & weaknesses? How will your project compare? What are your projects strengths & weaknesses?

The Management Team

In this section, you will want to go into further detail about the principals involved. You will need to highlight the team?s relevant experience and previous successful projects?

Well what if this is your first project?

Then you want to make sure that you have an excellent support team in place. These team members should have the experience that you are lacking (team members doesn?t necessarily mean company ownership). These team members can be legal, accounting, construction, architecture, etc. So for this section of the real estate development business plan, you will want to include:

  • Resumes/biographies on all principals & management team members
  • Organizational chart
  • Board of Directors

The Financials

Since the primary objective of your business plan is to obtain financing, you will want to address what type of financing you are seeking and how much capital is needed. You will want to state how much money you have on hand (and where did you get it from) and how much money you have spent to date.

Everything that you have put into your real estate development business plan up to now should support your financial assumptions and projections. You will want to include a statement that shows a breakdown of construction and acquisition costs. You will want to include an Income statement that will outline income and expenses for the next five years after construction. It should follow GAAP (Generally Accepted Accounting Principles) and contain specific revenue & expense categories. You will want to include a Balance Sheet and Cash Flow Analysis.

Now that you know what to include in your real estate development business plan, make sure that your business plan presents itself in a professional manner.

  • Use a table of contents, with numbered pages.
  • Make sure that the writing style is simple and conversational.
  • Don?t use long or complex sentences.
  • Paragraphs should be short & simple.
  • Use graphics & pictures but don?t get carried away.
  • Use charts & tables to back up your data.
  • State all sources of your data and studies.
  • Proofread your real estate development business plan for grammatical and spelling errors.
  • Have someone else proofread it for you.
  • If you have the resources, hire a professional business plan writer.

Visit http://www.all-about-commercial-mortgages.com to learn more about commercial properties and commercial financing. Educate yourself before buying that commercial property!

Patti Porter is a Commercial Mortgage Broker specializing in income producing properties.

Saturday, January 24, 2009

Choose the Right Realtor

For most people, their home is the biggest investment of their life. Whether you're buying or selling a home, you want to be sure you're maximizing that investment. Choosing the right Realtor can make a big difference in how fast you find or sell a house, the price you pay or receive and the smooth completion of the transaction.

You'll need to do some research to find the one that's right for you. It's not hard, but it will take a little time; however, finding the right match will pay off in the long run. Here are some tips from AHA:

Go with a Pro

The terms agent, broker and Realtor are often used interchangeably. But not all agents or brokers are Realtors. The term Realtor identifies a real estate professional who is a member of the National Association of Realtors and subscribes to its strict code of ethics, which in some cases goes beyond state law.

Experience Counts

Whether you're looking for a Realtor to help you buy or sell a house, you don't want to be part of someone's learning curve. One of the first questions you should ask a potential Realtor is how long they've been licensed and how long they've worked in the area, says Richard Roll, president of AHA.

Get Referrals

Friends, neighbors and co-workers are often good sources for referrals. Get as many details as possible about their buying or selling experience with a particular agent. Were they happy with the service they received? Would they use the Realtor again? You can also check the local yellow pages or search the Internet to scope out your options and find leads . If you're selling, look for sold signs in your neighborhood.

Think Locally

Both buyers and sellers should look for a Realtor who is familiar with the area, notes Roll. Ask what they have sold or listed in the neighborhood recently. If you're buying, a Realtor should be able to provide you with information on the community, the schools, taxes and other facts. If you're selling, you want your agent to be able to talk to prospective buyers about these details.

Use the Right Type of Realtor

Should you use a conventional Realtor or a buyer's broker? Many home buyers don't realize that Realtors legally work for the seller. They're making their commission from the purchase price, so they want to sell a house quickly and for the most money possible.

A buyer's broker, on the other hand, represents the best interests of the buyer, and is an option that's growing in popularity. Buyer agents are bound to keep anything you say to them confidential. Since they are not working for the seller, they are less likely to try to gloss over any problems with a particular home and do their best to make sure you find a home that is right for you. However, you will have to pay the fee for a buyer agent, either an hourly fee or a commission based on the purchase price. The key is to make a better deal on the home that you buy to cover the cost of the assistance the agent provides.

Dual Agents work out of a traditional real estate office both as a traditional agent and a buyer agent. They can take on buyers directly as clients, but since they work in a traditional real estate office, they can also represent the seller. In this situation you need to remember to keep your comments spare and look for the best deal. A dual agent cannot negotiate on the buyer's behalf and cannot recommend specific terms, including a purchase price. If you want a true buyer broker without dual agency, be sure to look for an Exclusive Buyer Broker. Split Agents do the same type of work as a dual agent, in that they can represent the buyer or seller. The main difference is that they never represent both in a transaction. If you hire a split agent as your buyer broker, they are bound to the same rules as an exclusive buyer broker. Everything you say is held in confidence and they work solely and completely in your best interest.

Discount and e-brokers provide even more choices to home buyers and sellers. Both charge less than the typical 6 percent commission for their services. Discount brokers function much like a conventional agent. However, they may not provide the full range of marketing services you would get from a convention agent. Most e-brokers do not have a brick and mortar office, which cuts down their overhead costs, a saving which they pass on to consumers. When using an e-broker, you'll typically do most of the work yourself: checking the MLS listings, making a list of properties you'd like to view, weeding out the houses that aren't a good fit for you. The transaction takes place mostly online; when you have some houses you want to see, you contact the e-broker and they put you in touch with a local agent.

Another option as a buyer is to try to go it alone, searching through the papers and looking for listing signs as you drive through different neighborhoods. This is not recommended for first time buyers, but if you are a hardy soul and want to take on the task, make sure you do your homework on each property before signing anything. Be sure to go through the remaining sections of AHA's Home University 1st Time Buyers course, so you will know how to protect yourself and make a good deal.

Stay in your range

Whether you're buying or selling, choose a Realtor who concentrates on your price range. For example, if you're looking to buy a house in the range of $250,000 to $300,000, you should check the real estate listings in the local paper to see which Realtors are listing houses in that range. A Realtor who focuses on more expensive homes won't be as knowledgeable about what's available in your price range.

Interview a Few Candidates

Once you've done some background work, set up interviews with three or four Realtors you're considering. You might also want to visit open houses to observe the agent in action. Are they familiar with the property, the area, the real estate transaction? Did they show the home in a professional manager? Did they seem enthusiastic and were they easy to communicate with?

Don't Let an Agent Buy Your Listing

If one agent says he or she can sell your house for substantially more money than the other agents quoted you, they're probably telling you what they think you want to hear in order to get your listing. Or, they may not be familiar with the market in your town or neighborhood. Statistics show that properties which are over-priced when they are listed stay on the market longer and sell for less than if they had been properly priced from the start, says AHA's Roll.

Agree on Expectations

If you're selling a house, ask your agent to put together a written marketing plan detailing the steps they will take to sell your home. The agent should offer advice on how to prepare your home for the market and who has enthusiasm for your property. If you're buying a home, make sure you know how often your agent will supply you with listings, how many houses you can expect to see in a week, etc.

Look for a Personality Match

Once you know you've narrowed your search down to qualified professionals with the right expertise, make sure you choose someone you trust and who you like. Regardless of whether you're a buyer or a seller, you'll be spending a lot of time with your Realtor and it should be someone you feel compatible and comfortable with, says Roll.

American Homeowners Association (AHA)?

Richard J. Roll, American Homeowners Association (AHA)? Founder and President, created the AHA in 1994 after speaking to thousands of homeowners and discovering that they were facing similar problems ? high costs, no clout, little knowledge. The AHA helps homeowners and first-time homebuyers obtain the most value for their homes, build equity, avoid common pitfalls, and save $1000s on home improvements and home maintenance. Now the world?s leading homeowner?s savings, benefits and advocacy membership group, since its inception, AHA has served over 1 million homeowners and first-time home buyers and helps them to capture the most value in their homes, and make wiser decisions regarding home buying, selling, financing, maintenance and home improvements.

Friday, January 23, 2009

The Real Estate Note Partial Purchase: Enjoy a Slice of the 'Profit' Pie!

Want a piece of the ?profit? pie? Then purchase a portion of a note and discover how to achieve a slice of wealth. The private paper industry, also known as the secondary financing market, offers choices and flexibility to give you the freedom to determine whether you prefer to indulge in a ?slice? or the entire ?profit? pie. A portion of a note in the private paper industry is termed ?partial purchase.?

To achieve such wealth, first examine the basics of a note. A note is a written promise to pay the amount stated from the borrower (payor) to the seller (payee). A mortgage deed is a written instrument that generates a lien by utilizing property to secure a debt. A trust deed holds the title to the property in the ?trustee,? often a title company, as security for the loan until the debt is paid off. A cash flow transaction is the purchase of a note in exchange for cash. The note holder will receive a monthly income stream.

To explain in further detail, through a partial purchase the buyer attains a portion of the private mortgage note owned by the seller. The note represents a promise to pay through a course of payments due at a future time. The note offers flexibility since any portion of the note may be bought or sold.

An example of a partial purchase is as follows. Bob holds a note and would like to sell a portion of the note to pay for his child?s tuition. He could sell the note to an investor who would collect the monthly payments for a specific time period and then the note would revert back to Bob, the original note owner, to resume receiving payments. People often sell a note for a variety of reasons. They may need fast cash to pay a tuition, travel to a dream vacation destination, or even to pay a lump sum to the IRS come tax time.

Benefits to Your Investment Include (But Are Not Limited To):

  • Reduced risk
  • Good interest rate
  • Good rate of return
  • Note secured by collateral- the real property
  • Property may continue to appreciate over time

    The ability to buy and sell a portion of a note is a mutually appealing situation. Investing in a partial purchase allows the creation of deals through financial structuring that is in turn beneficial to both parties.

    Maria Fee is a mortgage professional, real estate investor, teacher, and master marketer with more than 20 years of business experience. Maria is the President of REMI KNOX, LLC, a group of investors who purchase real estate notes nationwide. Quoted by the media as an expert, she is continuously recognized for her extraordinary knowledge and real estate investing experience.

    You too can discover hidden secrets to success with real estate notes. To take control of your financial future with proven strategies visit Maria's website at http://www.REMIKNOX.com

    Happy investing!

  • Thursday, January 22, 2009

    Choosing a Baby Car Seat 4 Things You Must Know

    Baby Car Seats are the best child protection gear you will get for your child during the infant and toddler years. Baby car seats are incredibly useful especially for families who are always traveling by car.

    Infant seats help prevent fatal injuries in infants and toddlers during an automobile accident. Babies are small and can't wear seatbelts without baby car seats so they can easily get thrown around during a collision.

    Infants also can't seat up yet so you need a baby car seat to keep them in a comfortable position when traveling. Babies who are a few months old also can't control their neck muscles yet so they need head and neck support while traveling.

    There are so many baby car seats available in the market and first time parents may feel overwhelmed with the decision that they have to make. Here are some tips you must follow when choosing a baby car seat:

    1. Check if the seat meets federal safety standards. There's a reason infant seats are required under the law and this is to keep your baby safe. If you're going to buy a sub-standard seat then that defeats the purpose of having a baby car seat

    2. If you are buying from the store, make your child try the car seat. If you are purchasing online, make sure to follow the weight & height limits set by the manufacturer. This will make sure your child's safety and comfort are not compromised.

    3. If you are trying to save on cost, you can purchase a convertible seat. A convertible seat is one that can be used as a rear-facing baby car seat when the child is still an infant and can also be used as a front-facing car seat. While this may cost you more at first, this will save you money in the long run.

    4. Make sure the seat will fit your car and that the belts in the car are long enough to secure the baby car seat. There are car seats that require the base to be bolted into the car. Make sure you install the car seat the right way.

    Your child means more to you than anything else in the world. Don't buy just any car seat. Make sure to visit Car Seat Reviews to discover the best car seats and read reviews on every brand including Britax Car Seats, Eddie Bauer, Evenflo, Graco, Cosco and more.

    Article Source: http://EzineArticles.com/?expert=AstraYaddira

    By Astra Yaddira

    Wednesday, January 21, 2009

    What Kind Of Backpacking Gear Do You Need To Take With You?

    If you are looking to get some newer and better backpacking gear then you need to start choosing it according to how much it weighs. If you are an experienced backpacker then you probably already know how important it is to have only the lightest backpacking gear with you when you go hiking all over. If you are new to backpacking gear then this article will help you to understand just how important good lightweight backpacking gear really is to your trips out.

    When it comes to backpacking gear there are two kinds, good backpacking gear and bad backpacking gear and the only kind you ever want to get is good backpacking gear. But how can a newbie to the sport know what is the kind to buy? Easy, start reading some of the most popular backpacking magazines. In these you will find all kinds of great tips not only about backpacking gear but about backpacking in general. There are all kinds of things that you need to know about this sport before you start trekking, you need to know proper safety as well as what kinds of medical supplies to take with you as well. These kinds of tips can save your life when you are hiking so learn them all even before you get your backpacking gear.

    You can also search for some good backpacking gear online. This is a great idea because you will be able to search for the best possible brands. The best way to do this is to look for consumer reviews for each kind of backpacking gear that you know you will need. If you are unsure of what these basics are then look up backpacking gear essential in a search engine. There you will find a complete list of just what you need to have with you on every outing abroad, for comfort and for safety.

    The consumer reviews are the best way to find out what kind of backpacking gear is best for your purposes. For example are you going on long backpacking trips or just short ones? This can affect the kind of backpacking gear that you need to take with you. You will also have to take into consideration the climate of the area you are traveling in. Is it warm or it is cold, how cold at night? Pack your backpacking gear accordingly.

    And no matter what you need to have the right kind of backpacking gear when it comes to water. You need to take enough water with you to cover you in case you run into trouble. That is another reason why the rest of your backpacking gear needs to be so light, water is not and there is no way to make it lighter at all. You need to balance the weight of the water by making sure that your other backpacking gear is that much lighter.

    Find out more about lightweight backpacking and many other backpacking tips and tricks at BackpacksHQ.com


    Tuesday, January 20, 2009

    Following Simple Children Vehicle Safety Tips Can Reduce Auto Accidents And Injuries

    Child Car Seat Safety:

    Child Car Seat Safety:

    We know you love your children, but so many people do not follow these simple car seat safety principles. By following these easy steps you can ensure your child is completely safe in your car. Just to get one thing straight, there is no one best child car safety seat. The best car safety seat is determined by various factors that you as the parent need to take into consideration. The seat needs to fit your childs height and weight, as well as be able to fit properly in your car.

    Another common misconception is price. More expensive, does not always mean better quality or the seat is better safety wise.

    The first step of proper car seat safety is of course determined by the age of your child. Any child that is under the age of twelve should be kept in the back seat of a vehicle. This is especially true if your car has passenger side air bags.

    Infants should be in a rear facing car seat until they are at least one year old and twenty pounds. After they are twenty pounds they can be placed in a front facing car safety seat until they are around forty pounds or they have reached the maximum height recommended for the specific car safety seat in question.

    Once a child reaches forty pounds, they should be placed on a belt positioning booster seat. The vehicles normal seat belt should not be used until they are around eighty pounds or 4ft 9 inches tall.

    As always read your cars owners manual as well and any manuals with the car safety seat.

    Additional Car Safety Tips:

    Most accidents that occur over a parent/child incident occur when a parent is trying to turn around and discipline their child. Think about it, you are taking you eyes as well as you mind off of the primary task at hand (driving) and exclusively focusing on your child who should be, and usually is behind you in the back seat of the vehicle.

    To prevent this the best thing to do if you must discipline your child is to find a place to pull over and do so then, when you are not moving.


    About the Author: Child Safety is our primary concern, check out these FREE child safety related resources at http://www.ChildSafetyInfo.com


    Monday, January 19, 2009

    Educational Games For Babies 6 To 12 Months

    By six months of age your baby may be sitting unassisted, her coordination skills are growing in leaps and bounds, and she will soon be crawling, standing, and then walking. Six to twelve months is a fun time for parents and babies. Play a variety of games with your little one and watch her quickly master new skills, like language skills and fine and gross motor development.

    Between 6 and 9 months your baby will love to experiment with simple cause and effect relationships like pressing a button to play a song. Little ones also love to explore sounds by banging spoons and toys together or on the table at this age. Give your baby an assortment of pots, coffee cans, and containers along with wooden spoons and metal spoons. Encourage her to play the drums as you sing along. The Fisher Price Laugh & Learn Toy Bench is a great toy to satisfy those banging urges. It also offers a number of educational benefits, like color and letter recognition, and provides opportunities for your baby to explore cause and effect.

    Games with balls are a lot of fun at this age. Use soft, squishy balls to roll back and forth across the floor with your baby. Try dropping beanbags into a wide, open container. Your little one will love taking them out just as much as watching you toss them in. Once your baby starts to crawl, set up an obstacle course for her to crawl over. Pillows, large stuffed animals, and piles of soft cloth scraps make perfect climbing obstacles to boost her crawling skills and strengthen the muscles she will soon use to walk.

    Sometime between 9 months old and the first birthday, most babies will begin to walk, some earlier and some later. During this age, your baby will be developing a number of new large muscles as well as her fine motor skills. She will know how to hold her toys and can probably throw them. These soon-to-be toddlers also love to imitate and copy the things they see.

    Play sound games with your baby. Make a sound or unusual noise and encourage your baby to copy it. Try this with funny faces and movements for even more fun. Stacking and arranging blocks, cups, or other toys is also a fun game to enhance fine motor development. Give your baby an assortment of toys and a big box and watch her meticulously put them in and then dump them again all over the floor.

    Sing lots of silly songs with your child and read everyday. Language skills are becoming quite strong during this stage and her vocabulary of understood words is growing rapidly. Repetition of her favorite story books, nursery rhymes, and songs can give her an even better understanding of the common patterns of spoken language. Songs with movements, like the Itsy Bitsy Spider, are favorites at this age.

    As your baby begins to cruise around the house, typically using furniture to aid her balance, play walking games. Hold her teddy bear or another cherished toy a few steps away and encourage your little one to walk to you to get it. Remember to praise her efforts and not to make too big of a deal when she stumbles or falls. Once your baby becomes a confident toddler, there are tons of new games to enjoy together!


    About the Author:

    For more tips and information about educational toys, check out www.thekidstoystore.com.


    Sunday, January 18, 2009

    Choosing the Right Car Seat For Your Child

    It can be a mind-boggling task when it comes to choosing the right car seat for your infant or child. There are so many choices out there. You want one that is safe, easy to use, fits into your vehicle properly and is appropriate for the age of your child.

    The first step in determining what is the right car seat for your child is to take a look at all different types of car seats and booster seats.

    Infant Rear-Facing Car Seat

    If you child is an infant under the age of one they should secured in an infant rear-facing car seat. These are designed for babies under 20 pounds. These should be installed in the back seat with the seat facing the rear. The seat should recline at approximately a 45-degree angle. Harness straps should be snug and sit at or below shoulder level and the harness clip should be at armpit level.

    Convertible Seat

    Some parents prefer to purchase a convertible car seat which can be used as a rear-facing infant seat when child is less than one year old and weighs between 20 to 35 pounds and then used as a forward-facing seat when the baby is more than a year old and weighs at least 20 pounds. These seats can usually be used until the child reaches 40 pounds and is 43 inches in height.

    Forward-Facing Seat

    A standard forward-facing car seat can be used when the child is over the age of one and at least 20 pounds and up to 40 pounds and around 43 inches in height.

    High-Back Booster/Harness

    When your child is one to four years of age and at least 20 pounds to approximately 40 pounds then they are ready for a high-back booster seat or harness.

    Used Car Seats

    Often parents are given hand-me-down car seats for their child or purchase a used car seat. A used car seat can be safe for your child, but there are several things that you need to look into before you use it.

    * Do not use a car safety seat made before January 1, 1981. Car seats manufactured after that date are required to meet stringent federal safety standards.
    * Do not use a car seat if it is missing the label, which lists its manufacturing date.
    * If the car seat has missing pieces or is broken, it may be unsafe to use.
    * Never use a car seat that has withstood the stress of a crash.
    * Since the average safe life of a car seat is not known, so it is recommended that you not purchase a car seat that is over 10 years old.

    Important Factors When Purchasing

    When purchasing a car seat it is important to consider these things:

    * Is the seat the right size and type for my child?
    * Does this seat provide the best fit and comfort for my child?
    * Will this seat fit securely in my vehicle?
    * Is this seat easy to use?

    When purchasing any seat it is important to fill out the registration card and mail it back so if there is a recall on the seat you will likely be notified. You can also obtain recall information through the National Highway Traffic Safety Administration by calling 1-800-424-9393.

    Enjoy your family and find the best deal on the auto insurance coverage you need. Visit us today for money-saving tips and receive free quotes for cheap car insurance for your family from respected insurance companies.

    By Levi Quinn

    Saturday, January 17, 2009

    What to Expect Before and After Your Breast Augmentation Surgery

    In your initial consultation with your plastic surgeon, prepare to discuss your goals for your body and what you would like to achieve through breast augmentation surgery. Your surgeon will evaluate your current health and review your medical history to ensure that you are a good candidate for the surgery. Be sure you're completely honest with your surgeon about your health. Let him know about any medications, supplements or vitamins that you are taking. Also, if you are a smoker, be sure that your surgeon is aware of this.

    If your doctor confirms that you are healthy and strong enough to undergo the procedure, then you will begin to discuss the specifics of your surgery. Your surgeon will help you to pick the best type of implant and kind of breast augmentation surgery to meet your needs. Once you have chosen an implant, your surgeon should be able to supply you with information from the manufacturer about the implant. Be sure to ask for this literature and read it thoroughly before you head in for surgery. There are a number of different surgical techniques that can be applied during breast augmentation surgery. For example, if your skin is prone to very visible scarring, your doctor may recommend a type of incision that leaves minimal scars. Furthermore, if your breasts have sagged, he may discuss the option of including a breast lift during your augmentation surgery. Finally, your surgeon should speak with you about the type of anesthesia used during your breast augmentation surgery, as well as the type of facility where the surgery will be performed.

    Also, in order to prepare for your breast augmentation surgery, be sure to completely review the costs involved. Most health insurance companies do not consider breast augmentation surgeries to be medically necessary. However, if you are having breast augmentation surgery after a mastectomy or in order to repair your physique after an accident, your insurance may pay for all or part of the surgery. Be sure to speak with both your insurance company and your doctor about the costs involved with your breast augmentation surgery before going through with the procedure.

    Preparing for Your Breast Augmentation Surgery

    Your surgeon will give you some pre-operative guidelines to follow before your breast augmentation surgery. The information will likely include a program for eating, drinking and the intake of vitamins and minerals in the days before your procedure. If you are a smoker, your surgeon will probably urge you to quit or at least cease smoking for a certain period of time prior to your breast augmentation surgery. Furthermore, you may be required to have a mammogram, which is used to compare the health of your breasts before and after your surgery.

    Before you can continue with your plans for breast augmentation, expect to sign a consent form stating that you understand the procedure and the responsibilities of taking care of your breasts once the surgery is complete. In some cases, you may have to undergo a waiting period of a number of days or weeks between signing the paperwork and having your surgery. Be sure to read this form closely and discuss the risks of breast augmentation surgery in detail with your doctor. Once you have scheduled your surgery, be sure you have someone who can take care of you during the first few days after your surgery. At the very least, you will need to have someone who can drive you home after your breast augmentation surgery. It is best, however, to have a friend, family member or spouse on hand for two or more days after augmentation.

    What to Expect After Your Surgery

    Although you will almost certainly be sore and tired in the days after your surgery, you will most likely be able to get out of bed and resume light activity within one to two days. However, it is very important not to engage in any rigorous activity, including workout regimens, for some weeks after surgery. Your doctor will prescribe pain medication to help with the discomfort caused by the surgery and will advise you about acceptable levels of activity for the days and weeks afterwards.

    Within a week after your surgery, you will return to your doctor to have your gauze dressings removed. At this time, your surgeon may give you a surgical bra to wear with new instructions about how to care for your breasts. Any stitches will probably be removed within ten days to two weeks. Be sure to speak with your doctor about how to continue to care for your breasts. Also, be sure to set up routine mammograms.

    Your New Breasts

    It will take two weeks, perhaps even longer, for the swelling and bruising in your breasts to dissipate. Scars, which will never disappear completely, can take many months to go away.

    If you are particularly worried about scarring, speak with your breast augmentation doctor about how to take good care of your incisions and also inquire about scar-reducing formulas. It can take many weeks before you see the final result of your breast augmentation surgery. One of the best ways to see the results of your breast augmentation is to take before and after photos. Be sure to take photos from a number of different angles before your surgery and then take a breast augmentation photo from each of the same angles afterwards. This way, you will be able to make a side-by-side comparison of your old breasts and your new breasts. For more information on preparing for your breast augmentation surgery and caring for your breasts afterwards, visit http://www.docshop.com


    Friday, January 16, 2009

    Why Humans Make Lousy Lovers


    How can I, love, and you, three of the most misunderstood words in human language, be linked together to form our most sublime sentence? Like a Linus blanket we refuse to relinquish, this seemingly simple phrase comforts us from cradle to grave. Since long before grunts gave way to words, its message has been expressed by mothers to infants, children to their best friends, people to their pets, lovers to each other, and, most notably, by those facing death to their God.


    This celebrated sentence is like a teeter-totter: I on one end, you on the other, and love, the magnificent fulcrum that connects the two in a dance of infinite possibilities, in the middle. But who am I? And who are you, really? And, as Cole Porter asked way back in 1929, What is this thing called love? Perhaps these questions are the true riddles of the ages. Perhaps the one who succeeds in plumbing the depths of these three terms will be at last reunited with the Oneness of creation.


    I, for one, am presently no closer to unraveling this conundrum than when I first breached the womb. But the flood of warmth that moves through me each time I express my love for you reflects the absolute joy of this journey of discovery. The deeper I explore the mystery of my own existence, the more I discover the divine in you. I now know with absolute certainty that in the fullness of time love will consume me, and any last shred of my personal I will dissolve in love's brilliance as the you and I merge.


    Sex--expressed or sublimated--is the stage on which we humans, like all other sentient beings, enact this cosmic passion play. Sex is like a Stradivarius violin, a perfect instrument with ranges of expression that exceed what our senses can contain. In the hands of an unconscious musician, clumsy, probing fingers can only evoke gross groans and squeaks, violating our sensibilities and profaning the instrument's perfection.


    So we now have a fourth word to add to our ill-defined stew. I love you, let's have sex. Unfortunately, humanity has so confused sex with love that the two have become inextricably intertwined. If we drove our cars the way we make love, we would solve the world's overpopulation problem in the beep of a horn. Ironically, our civilized societies demand more training and supervision for getting behind the wheel of a car than getting it off in the back seat.


    Getting it off (or on) ... what a delightful euphemism for making love that is! You see, it doesn't matter whether you bone or bonk, do the deed or the horizontal tango, make bacon or babies, pork, romp, screw, or express your deepest essence in a sublime act of total surrender--the supremely flexible Stradivarius of sex accommodates them all. Every possible expression of sexuality, from tantric ascension into heavenly bliss to child molestation and ritual killings, is part of its vast repertoire.


    If you're bent on making sense of it all, then fasten your seat belt. Here's where the road makes a sudden, steep, and slippery descent. To understand the full range of sexual expression we need to know quite a bit more about the players than their pronouns. And this calls for examining the illusion we charmingly refer to as reality and the (mis)perception of who we (you and I) truly are.


    From the human ego's earthly perspective, we are biochemical entities that depend on a fragile solar and planetary ecosystem for our sustenance and survival. We are a tangled complex of emotions, intelligence, physicality, and--if we can move beyond our primary instincts--spirituality. Each of us, moreover, is distinct and separate from everyone and everything else.


    A cosmological perspective reveals something entirely different. Each aspect of the creation, whether sentient or (seemingly) inert, is part of what the Buddhists call Indra's Net--an infinite, interconnected cosmic hologram through which the All That Is records its experiences. In other words, you and I are each an aspect of God perceiving itself as human.


    These two views, the egoistic and the cosmological, fix the extremes of a continuum of being that ranges from the constricted human-I at the bottom through the level of the soul-I to merge with the Oneness of the God-I at the top. How you perceive reality shifts with every incremental step you take along this continuum. If you keep seeing (and believing) the same thing from day to day, it's a sure sign that you're stuck.


    Something very similar to this perception gradient exists in the human body. There is a network of energy vortexes, called chakras (a Sanskrit word for wheel or disk), that relate to various colors, emotions, organs, and other aspects of human behavior. Although there are many chakra points throughout the body, the seven main ones are positioned along a vertical line that extends from the root chakra at the base of the spine to the crown chakra positioned just above the top of the head.


    These chakras perform two significant functions other than the ones usually ascribed to them. First, they are the points through which every being is subtly connected to and communicates with the cosmic hologram. The information you receive through them comes as sudden flashes of inspiration or intuitive realization. They are your wireless links to the infinite network of creation. Moreover, both inspirational and sensory input move through the chakra system from root to crown. A blockage at any one chakra along the way obstructs the information from reaching a higher energy center.


    Second, the chakras are the repositories for all your basic belief systems. All primary thought patterns concerning one's life are imprinted, by category, in a particular chakra. For example, all issues concerning personal survival, such as safety, food, shelter, and financial security, are stored in the first (root) chakra. Beliefs concerning family, superstitions, and group judgments including religious convictions, are held here too. Blockages in the first chakra cause sex to be treated primarily as a function of procreation, as typically seen in underdeveloped or third-world countries or by followers of certain patriarchal religions. Extreme distortions in this chakra can result in satanic ritual sacrifice, child molestation, and a host of other perverted behaviors born of fear-based superstition often masked by the zeal of distorted religious dogma.


    The second chakra (located just below the navel) stores all the decisions regarding one's personal and emotional identity. It holds imprints arising from traumatic sexual experiences, as well as patterns of blame, guilt, power, and morality. Blockages here can trigger sexual behavior that involve emotional or physical pain and violent, non-consensual sex.


    The third chakra (positioned in the solar plexus) is the seat of the ego and the upper home of the human aspect of our infinite being. Restrictions in this chakra lead to low self-esteem, fear of rejection, oversensitivity to criticism, and a deep-seated fear of having one=s secrets exposed. When this chakra is blocked, sex becomes codependent: the partners act out the parent-child bonding patterns that define their relationship.


    These first three chakras delimit the human portion of the infinite continuum. While sex experienced through the lower energy centers may result in moments of great release or pleasure--for at least one participant--there is little or no sacred energy transfer between the partners. Significant energetic transfers cannot occur until both participants have done sufficient work to balance (or neutralize) the blockages in the first three chakras. This is accomplished through various disciplines that focus one's attention on behavior patterns in order to gradually bring them under conscious, rather than impulsive, control. Having done this work, they are able to transcend their base human nature and move into the fourth chakra located in the heart. It is here that union is expressed as unconditional (as opposed to codependent) love, and love enters the first realms of the divine.


    It is beyond the scope of this article to delve into the sexual fireworks that await you when you finally penetrate the mysteries of the three higher energy centers--the throat, third eye, and crown--that open the doorway to infinite intelligence. Expressing unconditional love and unobstructed communication through these higher chakras propels you (and your partner) into kaleidoscopic crescendos that transcend the human domain. Suffice it to say that once you experience the perfection of great, vintage champagne, you'll never again settle for screw-top fermented grape juice out of a brown paper bag.

    About the Author

    Thursday, January 15, 2009

    Promotional Products School Branding and Where They Come Together

    When making purchasing decisions for the school year, pretty much anything a school will buy could also bear the school's mascot, but frequently won't. The unfortunate fact is that there are a number of schools that do not factor in branding when they are planning their annual budgets, when they really should. Those schools might simply not realize that the industry has more than your typical pompoms and jerseys that they can imprint a school mascot on. Not to mention some schools might not even see the benefit of maintaining their brand.

    The term promotion product covers a wide swath of products, and there is a wide variety of school-related items that can be found. Just as in the case of an employee gift, a good student gift or reward will be something students will use and not simply inexpensive. A well made binder that is embroidered with an image of the school's mascot would encourage school pride in a student. Your promotional items distributor doesn't just make leather tote bags or stylish messenger bags that are only suited for business execs, either. While these do exist, there are also backpacks that cater to students of all ages available to be imprinted. Backpacks are something any student will be using in a modern school setting as the number of schoolbooks they carry around increases each year.

    Even a small school can take advantage of branding opportunity that promotional products will bring. Even small elementary schools or junior colleges can be a matter of pride for the surrounding community. Donated items with school logos on them will help establish a vital symbiotic link to the community and contribute to an interest in the welfare of the school's students.

    Starting around high school and college, you'll frequently find students who love to show their school spirit and can do so with help of promotional items. Just as branded products can link a community and school together, they can form a connection between the student and school. A student body that feels a connection to their school inspired to make better grades. As a graduation present, a customized product bearing the mascot they grew up with is an excellent memento of an unforgettable school experience.

    Schools will find that promotional product purchases could fulfill their basic supply needs for the year, even if they're working with a limited budget. In the early school years you've got the basics: Scissors, crayons, and glue. General office supply purchases, or even the later grades, are readily available as well: rulers, pens, pencils, and paper. The opportunities to save money in this manner are found for any grade, from as late as high school or as early as kindergarten.

    An imprint will often be included in a product's price and will serve to compound the savings. This is always a part of the promotional industry purchasers must use to their advantage. Simple things like pencils or stationery that bear a school's colors or mascot inevitably make their way into the nearby community and the school becomes a piece of the fabric that binds the community together in the process.

    Many organizations, businesses and schools purchase office and school supplies at their local supply store off the shelf when in reality the low cost of getting a pencil with a logo or backpack with a mascot could provide budgetary savings and extend the school's brand into the community.

    Mr. Chris Ellis has three years of experience in sales and marketing consulting at various promotional products companies in the industry.

    By Chris Ellis

    Monday, January 12, 2009

    Florida Housing Market: Optimistic Perspectives Of Local Homeowners

    A recent survey reveals that 58 % of home owners across Florida place positive views regarding the continual rise of the value of their homes over the subsequent 12 months. The general perspective holds regardless of indications that the five-year boom in the Florida housing market is declining. This online survey, which is conducted every year by Florida-based Attorneys? Title Insurance Fund?s Consumer Education Campaign, samples a poll of more than a thousand home owners throughout the state within the period of May 30 to June 6, 2006. The survey focused on dynamic Florida housing markets such as Broward, Miami-Dade County, Tampa, Sarasota County, Fort Myers-Naples, West Palm Beach, and Orlando. The respondents are aged 18 and above. The survey puts forward that home owners have been vigilant about the condition of the Florida housing market, in spite of the fact that affordability remains to be the major obstacle to purchasing a home (71 % of respondents? opinions). Homeowners in Miami-Dade and Fort Myers-Naples are even more likely to say that ?affordability? is a considerable purchasing obstacle (both 83 %). With nearly a 30 % rise from 2005 figures, Tampa witnesses the biggest increase in percent citing ?affordability? as the primary obstacle to home ownership compared to other areas in Florida.

    The interesting facet of the result reveals that the views of home owners across Florida are split about whether the year 2006 is a good or bad time to purchase Florida real estate (amounting to 42 % for both views). However, by examining samples for select regions such as Sarasota County (53 %), West Palm Beach (49 %), and Orlando (43 %), statistics reveal a slightly higher chance to believe that now is a good time to buy a home as compared to regions like Tampa (42 %), Broward County (39 %), and Miami-Dade (34 %).

    Nonetheless, hurricanes still linger within the minds of home owners. Nearly half of all respondents (47 %) said that they have apprehensions about being hit by a storm. Another 16 % of the respondents mention the impact of a housing bubble as their biggest worry, and even fewer cite escalating mortgage interest rates (13 %), devaluating home prices (5 %), or becoming the victim of real estate scam (1 %) as their biggest real estate anxiety in Florida. What is surprising about these figures is that Florida home owners do not rank high in terms of the concern of being the victim of real estate fraud, especially for the fact that Florida was recently branded as the top state across the nation with regards to prevalence of mortgage frauds.

    The survey also reveals that the most confusing part of purchasing a property in the Florida housing market is the understanding real estate laws, which is evident in 41 % of the respondents citing such. In point of fact, about a third of Florida home owners found that understanding Florida real estate law is extremely confusing. Other aspects in the process of buying Florida real estate that are considered confusing includes understanding settlement/closing process with 24 % of the respondents saying that it is extremely confusing.

    About half of home owners of Florida (48 %) have consulted with a real estate attorney in the past. This aspect of the survey shows that residents in South Florida consult real estate attorneys more frequently compared to residents in other parts of the state. For instance, 67 % of residents in Miami-Dade County, 61 % in Broward and 60 % of residents in West Palm Beach cite that they have been consulting with real estate attorneys, whereas only 37 % of residents in Tampa and 44 % in Orlando have done so.

    Dranreb Earl Juanico

    http://florida-mortgage.xon.us

    Saturday, January 10, 2009

    A Primer on a 1031 Realestate Exchange

    The 1031 realestate exchange is popular because it allows taxpayers to dispose of certain real or personal property and defer their federal, and in most cases, state income tax liability by exchanging the real or personal property (relinquished property) for qualified use like-kind property (replacement property). But investors should remain aware that the transaction is governed by IRS rules and regulations. To use this technique you must become a student of the concept.

    A good first course is to have basic understanding of the rules for a 1031 realestate exchange. A good place to start is by knowing the different types of like-kind exchanges:

    A simultaneous exchange occurs when the exchange (disposition) of the relinquished property (sale property) and the purchase of the like-kind replacement property occurs at the same time. The delayed exchange, the most common form of exchange, occurs when there is a time delay between the transfer (conveyance) of the relinquished property (sale property) and the purchase of the like-kind replacement property. This type of exchange is subject to time limits set by the Department of Treasury.

    When the like-kind replacement property is purchased first, prior to transferring (conveying or selling) the relinquished property to the actual buyer, it is called a reverse exchange. Built-to-suit exchange refers to the technique of allowing the taxpayer to build on, or make improvements to, the like-kind replacement property, using the exchange proceeds before they actually take title to the property. And finally, the personal property exchange occurs when personal property is exchanged for other personal property of like-kind or like-class as long as the personal property has been held for investment, income production (rental) or use in a business.

    Also, knowing the types of property that can be exchanged under a 1031 will help property owners find replacement properties in a changing market place. Qualifying use property is property that has been or will be held for income production (rental), investment or used in a trade or business. Your personal residence and vacation home are not qualifying use property and thus do not qualify for 1031 realestate exchange treatment. Assuming the property satisfies the qualified use test, then the property must also satisfy the like-kind test. Real property is like-kind to real property, so as long as you are exchanging real property for real property it will qualify as like-kind for 1031 exchange treatment. In general, any type of real estate may be traded for another type of real estate as long as it satisfies the qualified use test.

    Friday, January 9, 2009

    Downtown San Diego Real Estate

    Downtown San Diego offers a wide range of real estate opportunities because of the expansion that it has experienced in recent years. Evidence to this vibrancy is the construction of over twelve thousand housing units in recent years and hotels, condominiums and shopping centers have replaced old buildings. This real estate boom has been accompanied by various businesses setting up shop in downtown San Diego, all indicators point to further vibrancy that real estate investors, homeowners and buyers can take advantage of for bigger returns.

    Neighborhoods and notable sites

    There are eight neighborhoods that make up Downtown San Diego; these include Columbia, Core, Cortex Hill, East Village, Gaslamp Quarter, Horton Plaza, Little Italy and Marina. Across these neighborhoods are various sites that have contributed to the vibrancy of the area. One notable site is the Seaport Village shopping center, which boasts of open air eating and specialty shops. Another notable site is the Gaslamp District, which is composed of Victorian style structures that are lined with restaurants, bars, nightclubs, and antique stores. In Horton Plaza, there is the San Diego Zoo and a number of museums, which have made Horton Plaza the most visited neighborhood in Downtown San Diego.

    Apart from notable and historical sites, there are also quite number of major hotels in Downtown San Diego like the Marriot Hotel, the Pan Pacific Embassy Suites and the Hyatt Regency. The transportation infrastructure located in Downtown San Diego include train stations, an airport and trolley stations which interconnect San Diego to other areas.

    Prices of homes

    When of purchasing a house in Downtown San Diego, you can expect to pay as an average of two hundred seventy thousand dollars for smaller houses and as much as three million for high priced large houses. Specific prices of an attached house range from two hundred seventy-nine thousand dollar for a one-bedroom house to three hundred ninety-five thousand dollars for a two-bedroom house. For detached houses, you can expect to pay around seven hundred thousand dollars for a three-bedroom house and one two million dollars for a four-bedroom house. There are currently a number of detached homes and around six hundred condominium units available in downtown San Diego. Given the vibrant real estate environment in Downtown San Diego, it can be expected that players in the real estate business are going to take advantage of the opportunities available there.

    San Diego Real Estate provides detailed information on San Diego Real Estate, Buying Real Estate In San Diego, Downtown San Diego Real Estate, San Diego Real Estate Agencies and more. San Diego Real Estate is affiliated with Miami Beach Real Estate.

    Thursday, January 8, 2009

    Home Sellers: Win the House Race

    Today's home seller needs an edge to make their homes stand out in a buyer's market. Besides making their home most desirable, sellers need to monitor all aspects of their sale.

    Selling a house is like a steeplechase race horse jumping over hurdles. Some race horses make the jumps look so easy; they run and jump in rhythm under the jockey's guidance. The home seller's job is to make home buyer's hurdles easy to jump. Home buyers make up their minds about a house on each step they take or every barrier they cross. As a home seller, you need to make sure your buyer crosses each barrier. Here are eight hurdles for you to win the house race.

    Hurdle #1 Listings and Ads

    Buyers make up their mind about the advertisement or listing whether or not to continue reading. That means they approve of the basic features and price.

    They must see something in the advertisement or listing that makes your house stand out in a crowded market. To entice a buyer to pick up the phone and call about your house, the buyer must read some benefit that they want. This should be your property's best benefit to the buyer, such as Live across from Eagle Point Park; enjoy the views and playgrounds or Move right in without fixing or painting a thing. Owners will even help with your costs.

    Hurdle #2 Yard Signs that Attract Attention

    The yard sign should look professional and not take away from the appeal. Many over-sized yard signs clutter the landscape. Put the sign to the side a bit and consider a shorter sign for smaller houses.

    Instead of wasting words with the all the amenities, make the phone number legible from the street and list the best feature not obvious from the curb.

    Hurdle #3 Non-Generic Sales Flyer

    Perhaps a house shopper will be interested enough to get out of their vehicle and pick up a sales flyer. This means that the flyer needs to be written with sales copy that gives motivation to see the property. A ho-hum generic flyer with a long list of features should be rewritten using Marketing Psychology with strong benefits to the buyer.

    Hurdle #4 Curb Appeal

    When shoppers pull up in front of your house, the first glimpse must impress them enough to get out of their vehicle to see what's inside. For condo sellers, the development has to pass approval and your unit should stand out with added appeal like large potted plants near the door in colorful containers. The typical house needs pizzazz near the front door to draw the eye into the house. You must entice the buyer to cross the threshold to see what's inside.

    Hurdle #5 First Impression

    Inside, the typical house shopper makes up their mind within 15 seconds whether or not they're interested in your house. This is why the first sighting inside must pass inspection and peak interest.

    Hurdle #6 Lasting Impressions

    To encourage shoppers to spend more than the usual four minutes previewing a house, use home staging strategies. Buyers select a home based on their emotions. They choose the home they connect with and one they think feels like home. This just doesn't happen in four minutes.

    Houses that spark fantasy about living in the home, enjoying a better lifestyle, and entertaining friends help buyers make up their minds.

    Hurdle #7 Easy Purchase

    Buyers make offers on houses when they feel comfortable with the paperwork. If you're selling by owner, have a basic contract on hand that doesn't confuse buyers and have a closing agent or escrow officer draw up the formal documents later. If you're selling by agent, your agent must be trained on how to handle negotiations beyond just filling out forms.

    Hurdle #8 Keep Sale on Track

    During the sale process, monitor all the closing details. Keep your home staged for the most important date: appraisal day. Invite you buyers to return early in the sale for their walk through so they stay in love with your home. Make sure all the appointments are made and kept, such as inspections, and contracts signed on time.

    Turn house shoppers into motivated buyers, help your buyers jump the hurdles, and you'll win the house race.

    Copyright ? 2006 Jeanette J. Fisher

    Jeanette Fisher, author of Home Staging with Design Psychology: Sell Your Home for Top Dollar--Fast! Doghouse to Dollhouse for Dollars: Fixing and Flipping Houses with the Design Psychology Edge, Joy to the Home, and other books, has researched the effects of environment on emotions for over 15 years. Besides flipping houses, Jeanette teaches college courses on Design Psychology and professional real estate investing seminars. Free Home Staging Information.

    Free home sellers checklists, reports, and teleseminars at http://sellfast.info

    Wednesday, January 7, 2009

    Get The Proper Backgammon Game Table


    You do not have to play anywhere special to have a good time. There are special backgammon game tables that you can purchase or you can make your own backgammon table yourself. This is your choice.


    There are certain tables that you can buy to play backgammon on. These tables come with their own board already set up on it. It is printed on the top of the table and has slots and spaces for the accessories that come with the game. These types of tables are for the true backgammon player.


    There is no reason why you have to go out and purchase your own backgammon table. You may decide that you can make one on your own. If you are handy at making your own crafts, this is defiantly something that you can do on your own. All you have to do is get wood and make it into a table with a top and legs and then print the game board on the tabletop.


    You can get as creative or keep it as simple as you want. Just make sure that you follow the basic outline of the board game to keep things as similar to the original as possible. You can even make your own game pieces. These could be made out of metal or wood or any other type of hard material that you have. Again, you can make them as simple or as creative as you want.


    If you do not want to make or buy your own table for backgammon, then you can set the game up on your kitchen or dinning room table. You can even play the game on your living room floor. As long as you have a flat surface to play and keep the game pieces in place, you have what you need to play backgammon. Most people like to play on some sort of table.


    If you are buying a backgammon table, you can look at department stores or game stores for one. You can even buy one online or you can find on in a catalog. They can be found at reasonable prices. There are many different sizes and shapes for these boards. It just comes down to your preference and where you play the game.


    ? backgammonholygrail.com
    About the Author

    Tuesday, January 6, 2009

    All Realtors Are NOT Created Equal

    After 23 years in sales and marketing for a major corporation, my father began a career in real estate. In his almost 20 years of listing and selling homes and property, there have been dramatic changes in the marketing of homes, particularly in the past 5 years.

    In the early years of selling homes, real estate agents all seemed to use similar marketing techniques. Place a sign in the front yard, enter the listing into the Multiple Listing Service, advertise the home in the local newspaper (on a rotating basis with other office listings), host a Realtor tour, and sit at an open house (catching up on paperwork or reading.) Since agents were doing the same things, it really didn?t matter if your aunt Lucy, your brother-in-law, or the neighbor who just got her license had your listing. About the only variable in the marketing plan might be the frequency of print advertising.

    Some agents started getting more aggressive in their marketing with the advent of the color copier. Producing colorful brochures of homes for sale became more affordable for agents and made them look very pro-active in the eyes of their sellers! As simple as it may sound, this began to separate the passive marketer from the more active, aggressive, result-oriented one.

    Then times changed dramatically as the visionary Realtor recognized the power of technology?the Internet! The Internet has changed the way the world does business and has had a huge effect on the real estate industry, providing a global showcase for every home or piece of property for sale.

    The advances in technology have changed the way real estate agents do (or do not do) business. Those who have embraced this technology are far ahead of the pack. The advantage to the seller is it is much easier to evaluate which Realtor to use by surfing the web and checking out different agent?s sites. The seller gets a good picture of the agent?s professionalism, statistics about an agent?s sales volume, a snapshot of how the agent presents homes for sale, and more. Today?s real estate marketing plan should include the use of technology and other more active techniques, such as those shown below.

    What about newspaper advertising, you ask? While statistics indicate print ads are responsible for less than one percent of real estate sales, we DO continue to advertise in the newspapers. Internet marketing and advertising far surpasses newspaper advertising with outstanding results.

    If you are listing your house today, you need a Realtor with a proven track record in marketing not only by today?s standards, but looking into the future, as well. If your Realtor?s total marketing plan is an open house, Realtor tours and newspaper ads, you are dealing with a yesterday Realtor.

    There is a definite difference in Realtors today. Do your research. Select the Realtor with the experience, the knowledge and the vision it takes to sell a home in today?s market.

    Kris Kombrink has been working in his family-owned real estate business since 1995. Specializing in Geneva, St Charles and Batavia Illinois residential real estate his team stays on top of the latest trends while maintaining superior customer. Learn more about his team at www.kombrink.com or email kris@kombrink.com

    Monday, January 5, 2009

    Ford Thunderbird: Luxury and Safety Rolled in One


    As far back as the year 1955, the classic convertible has already been around. And some have believed that that the golden age of the American automobile was beginning to come to light. And among the world-renowned convertibles is the Ford Thunderbird. And each year, this Ford vehicle has certainly made its way through the streets of life, along with various innovations and improvements meant to be called its own.


    The Ford Thunderbird is offered in new colors, along with a new interior package made available for all its patrons. Round the list of improvements include new wheels
    , seats and equipment. Also, this vehicle is offered in two models: Deluxe and Premium. It has been designed to fill in two people inside. It has air-conditioning with dual-zone automatic climate controls, a power tilt/telescoping leather-wrapped steering wheel mounted with radio controls, a newly styled leather upholstery, and also an AM/FM radio with in-dash 6-disc CD changer. Heated seats had also been added in. The two-door Ford Thunderbird is made available with a power-folding soft top, along with a heated glass rear window or a removable hardtop with trademark porthole windows.


    Its engine is an aluminum 3.9-liter V8, giving the rear-wheel drive convertible 280 horsepower at 6000 rpm and 286 lb-ft of torque at 4000 rpm. Safety and security for its passengers has also been installed with front and side airbags, making the Ford Thunderbird the first Ford convertible to come equipped with combination head-and-chest side airbags. It also includes an anti-theft system, Ford's Smart Locks system, the LATCH child seat system, a perimeter alarm with an LED indicator, and a glow-in-the-dark emergency trunk release handle. Its appearance and color come in a selection of shades including merlot, vintage mint green, and platinum silver, and its interior has a light sand appearance.


    For any need of parts for replacement or customization for your Ford Thunderbird, Ford Parts Online
    gives you a wide variety to choose from. Visiting the site is easy as 1-2-3. Just go see their collection of quality A/C condensers, bumpers, fenders, and lights, just to name a few.

    About the Author

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

    Sunday, January 4, 2009

    Tips and Tricks for Living with a Busty Figure

    As women, we know how important it is to eat a healthy diet, exercise regularly, and perform self breast exams every month. Women with large breasts, in particular, know how vital this information really is. Living with a large bust presents its own challenges in addition to the ones faced by women with average bust sizes. Although some of the following tips and tricks for living with a busty figure can be applied to the not-so-busty woman, these helpful hints were created specifically to assist the large breasted woman in taking care of her body and bust line.

    Taking care of your breasts

    • Maintain your weight.
    • Weight fluctuations affect the chest more than anything else.
    • Find a complete health program that allows you to control every dimension of weight control.
    • Avoid 'miracle diets' because you will lose weight very fast and gain it back at the same speed.
    • These weight fluctuations cause the breasts to sag.
    • Maintain your physical fitness.
    • Stand up straight. Bad posture is also a major enemy of a beautiful bust.
    • Good posture gives the bust correct support.
    • Slouching or hunching the shoulders to hide a large bust can cause more back pain than the weight of the breasts.
    • If you have problems with your posture, try to join a high-quality fitness program and seek help of a chiropractor.
    • Regular exercise strengthens the muscles that support the bust.
    • Push-ups are a wonderful way to maintain a healthy back, shoulders, and chest area.
    • Apply moisturizers
    • The bust and the d?collet? are very delicate areas and most women do not apply moisturizers in this area.
    • The d?collet? gets sun directly and thus it requires sun block and the use of creams to preserve the youthful look.
    • Examine your bust regularly.
    • In order to detect any abnormalities, doctors recommend examining the bust monthly.
    • Select specific dates in a month and stick to the same dates because hormonal changes during ovulation or menstruation can cause the breast tissue to change slightly.
    • During a shower, raise one arm and with the other hand softly massage your breasts upward, using circular movements in a figure-eight fashion, checking for any abnormalities as you go along.

    Lastly, after the revelation on Oprah that 80% of women are not wearing the correct bra, it is even more important that the busty woman is getting the proper fit and support in her bra! So, find a bra that fits, ladies! You'll be much more comfortable and your body and bust line will thank you for it!

    For busty women who are having a difficult time finding clothing that fits, we have the solution! Visit us at http://www.erisapparel.com


    Saturday, January 3, 2009

    San Francisco


    The updated edition of the free Access San Francisco guide for travelers with disabilities is now available. The 34-page book offers detailed information about 150 city venues and travel services that have accessible facilities that have been inspected by an ANC access specialist. These include hotels, restaurants, museums, attractions, shopping centers, recreation facilities, public transportation and others. Inspection notes which add extra insight have been included for clarification. For example, one note states, Path of travel from the street to the entrance is rough paving. Contact: 415-391-2000, (TDD) 415-392-0328


    The Baylink Ferry Service has expanded its fleet with the addition of the M/V Solano, a high-speed 135-foot catamaran which ferries 300 passengers between Mare Island in Vallejo, San Franciscos Ferry Plaza at Market and Embarcadero, and Pier 41 at Fishermans Wharf. The trip operates daily. Contact: 877-643-3779.


    The San Francisco Museum of Craft+Design has opened at 550 Sutter Street. It offers innovative exhibits and educational programs which celebrate the art and artists of contemporary craft and design. The museum features works in progress and displays showing design trends. It also hosts visiting featured exhibitions and artists. Contact: 415-773-0303, www.sfmcd.org


    The Asian Art Museum invites visitors to view its copies, cracks, do-it-yourself fix-its and other imperfections among pieces in collections. The Fakes, Copies, and Question Marks: Forensic Investigations of Asian Art exhibit is part science lesson and part crime scene investigation by examining the authenticity of artworks through forensic testing to reveal the sometimes inexact science of classifying art. The exhibit artifacts are drawn primarily from the museums own collection.


    Tibet: Treasures from the Roof of the World, June 12-Sept. 11, features nearly 200 sacred objects from the Potala and Norbu Lingka palaces in Tibet. This exhibition offers a rare insight into the artistic and spiritual traditions of the Dalai Lama and his followers. Contact: 415-581-3500


    Del Monte Square, located near Fishermans Wharf, is the site of what was once the worlds largest fruit and vegetable cannery which was operated under the Del Monte name starting in the 1920s. The historic buildings are now home to the Argonaut Hotel, The Visitor Center of the San Francisco Maritime National Historic Park, THE CANNERY and a year-round Certified Organic Farmers Market. The renaming of this area honors the roots of this historic site and celebrates early San Francisco commerce and the influence of the Del Monte company. Throughout the complex are displays and landmark signs that describe various aspects of Del Monte Squares history. Events with historical themes are also planned. Contact: 415-771-3112


    Amusing America is at the San Francisco Museum and Historical Societys Mus?e M?canique located at Pier 45 at Fishermans Wharf. This free exhibition tells the story of amusement parks found in American cities including San Francisco and how they influenced the lives of many, from the Gilded Age of the 1880s and 90s to World War II. Displays feature many artifacts including the familiar Laughing Sal, an oversized mechanical manikin which greeted visitors to the citys Playland-at-the-Beach. Antique games which were features of various amusement parks, arcades, swimming baths and dance pavilions are also displayed. Contact: 415-537-1105


    Day at the Bay, a popular San Francisco entertainment group, has introduced an all-new cabaret program called A Musical Stroll Along Broadway. The program is filled with music, comedy and lots of nostalgia. The package includes the cabaret show plus lunch options at venues featuring a classic Chinese meal or a Greek feast. After the show, docents lead tours to interesting area sites. This is the perfect package for a day trip or mystery trip. Contact: 415-491-4908.


    Vampires are not just for Halloween. Vampire Tours of San Francisco offers spooky tours of the gothic side of Nob Hill. The tour guide is Mina Hacker, the vampiress who was made by Count Dracula in 1897 and who has resided in the darker part of this city for over 100 years. She beckons visitors in a fun and entertaining way into the world of vampires and tells tales of their influence in shaping San Francisco as we know it today. Contact: 650-279-1840.


    This article is sponsored by: www.grouptravelblog.com


    About the Author

    Friday, January 2, 2009

    Tempe Homes: Finding the Perfect Home in the Perfect Community

    Thinking about buying a home in the Tempe area? Tempe, often called The Valley, offers some of the most diverse real estate in any area.

    What kind of home are you thinking about? Do you picture yourself in a neighborhood with tree-lined streets, or would you rather be in a community that requires little maintenance? Either way, you'll find it in Tempe.

    Looking at the multiple listing services for Tempe, you'll see that most homes fall into one of a few categories:

    Master Planned Communities

    Master planned communities are especially popular throughout Tempe. They are often clustered around a geographic feature, such as in the foothills, on a mountain side, or near the desert. They are situated to take advantage of the natural views.

    Several different builders usually develop homes in each neighborhood. The big advantage to the planned community is that it offers all the amenities within a compact area, schools, parks, community centers, and recreational opportunities such as golf courses and horse riding stables.

    Each one uses a similar architectural theme, with a variety of different floor plans. If you are looking for a brand new home, these communities are a great choice. You can select your preferred floor plan and make the upgrades you'd like. These areas include a variety of price ranges, especially more affordable homes, and they have a great history of appreciating prices long term.

    Resale Homes

    Tempe is a great area for new homes, but you'll also find wonderful older houses. These properties are very distinctive, many in Mediterranean styling, with mature landscaping and large lots.

    Resale homes are especially appealing for those wanting a well-established neighborhood, with its own unique culture.

    Condominium Communities

    Condominiums are a popular housing alternative in Tempe, but they don't merely refer to small apartment-like properties. Tempe offers luxury condominiums several thousand square feet in size and resembling world-class hotels. Of course there are also smaller units perfect for first-time buyers.

    Active-Adult Communities

    Tempe is a popular destination for tourists, young professionals relocating for a job, and of course, retirees. An exciting part of the real estate market is the active-adult community.

    These communities offer a variety of amenities to home buyers, including golf courses and clubs, fitness centers, tennis courts and swimming pools. Homes in these communities are often patio homes, town homes, or stand-alone properties.

    As the baby boom generation ages, these communities are becoming increasingly popular.

    Whatever your age or style, you'll find a great variety of homes to meet your needs in Tempe.

    Reg Gustin is a senior loan officer with Sun American Mortgage and specializes in helping families and their financial lending needs.

    Get a FREE mortgage rate quote from a reputable Arizona mortgage company at http://www.arizona-homes-store.com/arizona-mortgages.html.

    Search the Arizona MLS at http://www.arizona-homes-store.com/arizona-mls.html

    Click here: http://www.arizona-homes-store.com/arizona-real-estate-appreciation-report.htmland get a FREE copy of The Greater Phoenix Area Housing Appreciation Report, as compiled by Arizona State University with your free subscription to his monthly ezine, MARKET NEWS.

    Thursday, January 1, 2009

    How to Jump Over The Most Common Real Estate Pitfalls

    Is it really smart to invest in real estate? Who can know for sure? Like any forms of investment, there are risks to consider. When the good outweighs the bad, then perhaps, putting money in real estate is a good way to start building up your investment portfolio.

    How can we know which way to go? Real estate experts have identified major pitfalls to avoid if investing in real estate is what appeals to you:

    Do not bank on intuition.

    Intuition is defined as hindsight, or an inherent inner warning, that oftentimes does not veer towards the positive but leans on the unexplainable feeling of doom. Most people would sell their homes based on a pessimistic feeling that the real estate market will soon crash, or the long-perceived real estate bubble is beginning to burst, hence the sooner they sell their properties at prices they can still command, the better.

    Most likely, the worse case scenario never happens. Panic paralyzes the mind from thinking logically through a situation, thus, past experiences are forgotten. When real estate prices do slide, they don?t happen overnight. Unlike stock market positioning where prices can nose-dive drastically, real estate values may only suffer a decline, but not a total burn-out. Those who sell their homes with the prospect of making a profit on it while they still can, and purchase another, when real estate prices slide are heading towards being homeless, or into rental homes themselves.

    Look at the odds: selling your home will displace your family for a while, it will cost you your agent?s commission, new mortgage rates may even be higher than the previous ones you were paying, the inconvenience of moving and leaving a familiar neighborhood, including other attendant costs. In the end, your calculator will register a deficit rather than profit!

    Keep a discerning mind; do not believe everything you read.

    That value of real estate properties will always go up is more of an illusion, rather than fact. This line of thought is dangerous as it wafts ?speculative? investing ? a financial stratagem that can be potentially profitable but very risky. This can imperil your good investment approaches. Real estate agents are moved by the prospect of earning commissions, naturally, they will outsell one another by sales pitches that can close the deal.

    Quandary with Rentals.

    Purchasing properties with the prospect of renting them out is sound, however when this is done during an economic slump, this may jeopardize your investment.

    When real estate foreclosures are high, some investors take it as a good sign for renting out properties. Some may experience demand, but oftentimes people move away when they lose jobs. By the law of supply and demand, when there are few renters, rents will plunge.

    Avoid risky loans like a plague!

    Mortgage loans come in many options, can be all attractive, but caution should be exercised. As in all things, not everything that sparkles is gold.

    Interest-Only Mortgages don't demand payment of the principal while other mortgage options may require regular payment of the principal, or no payment at all during the early years. But interest rates can increase monthly and the increase can cut deeper on your mortgage. If sufficient payment is not made, your total mortgage loan will cost you more than what you home originally costs.

    Keep your investment straight and you have more to keep.

    Funding your other investment portfolios with the equity on your home is risky. Same is true with financing second or third mortgages on a property. In the event of payment defaults, equity on such property shall satisfy the loan taken from the first mortgage lender; and any remaining amount, shall be used to satisfy obligations with the subsequent lenders. This, however, rarely happens.

    Study. Probe. Evaluate. Do not speculate.

    Real Estate Investment is flourishing - a sign that it is a profitable venture. No wonder, real estate industry remains a formidable choice among those who want to get a crack on the fortune pie. Having identified the common pitfalls in real estate investing will narrow down the margin of those who ventured but lost, and jumpstart the prospects of those who want to make it big.

    Helen L. Erickson

    Sarasota Real Estate

    Helen L. Erickson - http://www.siestakeyrealestate.com