The Dangers Of Overvaluing Real Estate

We all have done it at one time or another.

When short of listings, the Realtor goes out and ?buys' one. The process of buying a listing is as old as Real Estate itself. The agent shows up at someone's doorsteps and inflates the value of the property by more than $30,000, $40,000 or even $50,000 over and above the actual market value. I know of agents who have actually listed properties for $200,000 more than what those properties were in fact worth. The owner happily signs the listing agreement with those dollar signs sparking right in the eyes, and the Realtor happily sticks up a sign right in the front lawn. Of course the house subsequently does not sell because it is overpriced, but it doesn't really matter.

Or does it?

All the way back in 1988, in a legal case entitled Basic Inc. v. Levinson, the United States Supreme Court endorsed a theory known as ?fraud on the market', which in turn relies on another theory known in Economics as the Efficient Market Hypothesis. The Efficient Market Hypothesis postulates that prices of traded assets like stocks, bonds, or real property, already reflect all known information and therefore are unbiased in the sense that they reflect the collective beliefs of all investors about the value of the underlying asset and enable investors, therefore, to assess future prospects.

In essence the Efficient Market Hypothesis, which was developed in the 1950's and 1960's, states that subject to certain conditions the market price of a traded asset fully and accurately reflects all the available information relevant to its value. Under this Hypothesis, in an efficient market the only reason as to why a price changes is that new information comes to light.

Because market prices reflect all available information about an asset, reasoned the Supreme Court, misleading statements as to the integrity of price will affect and negatively impact the decision-making process of investors, who rely on those statements as the primary guide to finalize a purchase. Which is tantamount to ?intentional deceit', more vulgarly known as ... fraud.

That ruling has proven a goldmine for American trial lawyers, who have won fortunes by suing firms for damages when new financial information, often in practice a restatement of their balance sheets, is followed by a sharp fall in stock prices of the same firms. The fall is treated as proof of overvaluation due to the initial, wrong statements.

This decision of America's highest Court has now crossed the border with Canada and has spilled into Real Estate. A case involving a Seller, a Buyer and a Real Estate Agent acting in a position of dual agency is now pending in front of the Supreme Court of Ontario. The Agent first grossly overvalued the subject property at the time he took the listing, then actually found a Purchaser ready, willing and able to buy at a price close the grossly inflated asking price. As the transaction was being financed through an institutional lender, the underlying case initially also involved an appraisal firm, which subsequently has settled out of Court with the disgruntled Purchaser.

The decision of the Supreme Court will have an enormous impact on how real estate is practiced in Ontario and possibly throughout the whole country, and it will be interesting to see what the outcome will be. The Buyer bases his case on the Efficient Market Hypothesis arguing that he reached the decision to purchase on the integrity of the asking price and claims, furthermore, that the dual Agent knew or should have know that the asking price was grossly over and above the market value of the subject property. The Buyer is claiming damages both as against the Agent and the Seller.

The line of defence is that the true meaningful value of an interest in land is given by its ?objective value', defined as the price that the property will fetch in an open and fair market, given sufficient time to find a Purchaser, the amount of advertising involved in the marketing of the property, the relationship between the parties and the terms of financing. The additional argument of the defence is that the truthfulness of the Efficient Market Hypothesis is actually being disputed by Economists even in its original field of application: the Stock Market. More specifically, the defence argues that even highly developed financial markets such as the New York Stock Exchange are not efficient enough to allow Courts to calculate the financial damages caused by fraud, and that estimates of damages based on the Hypothesis will be necessarily overstated.

The Realtor in particular contends, furthermore, that at no time the thought of earning a double commission ever crossed his innocent mind (he was walking the dog one day and ...).

All of which goes to prove once again the point I have been making for years - that is sellers, buyers, realtors, lawyers and judges invariably make an explosive mix.

Luigi Frascati

Luigi Frascati is a Real Estate Agent based in Vancouver, British Columbia. He holds a Bachelor Degree in Economics and maintains a weblog entitled the Real Estate Chronicle at http://wwwrealestatechronicle.blogspot.com where you can find the full collection of his articles on Real Estate Economics and Finance. Luigi is associated with the Sutton Group, the largest real estate organization in Canada, and is based with Sutton-Centre Realty in Burnaby, BC.

Luigi is very proud to be an EzineArticles Platinum Expert Author. Your rating at the footer of this Article is very much appreciated. Thank you.

Grand Parenting The Science of Installing A Child Car Seat Child Restraint Not a Snap Installation

Wow! Janet and I will soon be proud grandparents of a beautiful child, a gift from the loving union of our daughter, Sharon, and her husband, Greg. Who knew there would be so more to learn. And re-learn about the care of baby and children! So much to consider and prepare before the baby arrives. Every parent and grandparent must be diligent in ensuring safety first for their grandchildren.

Auto Travel ? don't even think of taking your little munch-kin or grand-child for that quick trip to the corner store without first ensuring that your child/baby car restraint seat is properly installed.

But I installed the Car Seat according the the manufacturer's User's Manual. It's installed properly! Think again!

Those manuals don't always give you the complete picture for best car seat installation. Seek additional help from websites like NHTSA ? National Highway Transportation Safety Association and Transport Canada. Watch your newspaper, local TV, or listen to local radio for regularly scheduled Car Seat Clinics coordinated by your local emergency response, fire or police. Or visit a Child Safety Seat Inspection Station near you. Whether as a parent and as a new grand-parent, you owe it to your child or grand-child to ensure that they are properly secured in any vehicle that transports them.

I recently attended such a Car Seat Clinic with my soon-to-deliver daughter. We took my vehicle ? BUT YOU SHOULD TAKE ALL Vehicles that will transport this precious human cargo. The 1 hour spent installing, and re-installing, the infant seat in my back seat proved how little I knew about proper Car Seat Installation. The Emergency Response pros at this free clinic were diligent in ensuring a number of crucial installation elements:

1) infant seats must be installed in the rear-facing position in the rear seat of the car. Not! Not every should you install an infant or child restraint system in the front seat ! Repeat NEVER!

2) seat MUST be secured with the car seat belt system or to factory installed UAS anchor bars (restraint clips tucked between the seat back and the seat itself and marked with a visible symbol). UAS anchor bars are in all cars built since September 1, 2002. All car new car seats have 2 USA Connectors compatible with this child restraint system. And it is not just a simple click and quick tug of the belt that will do. It will take ALL your adult weight and strength to bear-down on the car seat and pull tight the seat belt or anchor straps. It might even take TWO adults to perform this more-than-snug feat. You will significantly compress the pad of your rear seat. It is only right if there is no side to side movement in the secured seat.

Observation: I took two adults to perform this task at the car seat clinic. Be warned that releasing the web strap may also require two adults: One to bear down on the seat to relieve some of the tension on the straps and, the Other to relax the web strap and undo the clip from the UAS anchor. Be patient.

3) The rear facing seat, once tightly secured (compressed into the rear seat), should have the back of the seat at a 45 degree angle. This is important 45 degrees. This properly supports your infant's head and neck should there be a collision. Those miracle floating noodles were cut, fitted and inserted between the car seat base and the rear of the seat bottom to get the compressed angle right. It took 4 installs and 3 noodles, secured with dust tape, to provide the correct 45 degree angle.

4) The rear facing seat MUST not touch the back of the front seat. Allow at least a 1 inch gap between the infant seat back and the back of the car front seat.

Learn how to properly install the infant or child car seat in EVERY vehicle where the car seat will be placed. Do it RIGHT. A young life depends on it!

Carl Chesal is a business and channel development consultant, trainer, photographer, and avid snowmobiler. He operates BizFare Enterprise Inc and Foursight Photography, which provide business, marketing, and internet marketing consulting services. Carl with wife, Janet, also operate a number of e-commerce web-sites.

How a Best Buy Sales Clerk Taught Me the Simple 6 Step Formula to Close ANY Sale!

Follow this story.

I went to Best Buy today to get a few CDs and walked out with a new subscription to Sports Illustrated. Immediately confused, I asked myself howd that happen? As I went through the steps that brought to that point in time, I realized I was sold on the subscription before I ever had a chance to even think about saying no. Wow! What if and I had this power? My home business would be booming to say the least. So, let me go through exactly what happened and then Ill pull a few key points out for you.

I browsed the CD section of Best Buy for about 30 minutes and then after making my final music selections I headed to the checkout counter. I was greeted by a friendly checkout clerk who rung up my three CDs to a total cost of $43. As she was ringing me up she said How would you like a free Subscription to Sports Illustrated or Entertainment Magazine? Before I could answer she continued by telling me that she had already taken advantage of the offer herself and had received eight free issues of Entertainment Magazine. She continued by telling me exactly how I could unsubscribe at anytime and still get eight free issues of whichever magazine I choose. Then, even before she finished speaking, an adjacent check out clerk chimed in and said how great of a deal he thought it was and how much he enjoyed his free subscription.

Then the magic happened! No sooner did I turn my head back to the first sales clerk than did she ask me which subscription I wanted. Without thinking, I said Sports Illustrated. She replied, thats what the guys always choose. She rung me up and I was out the door before I had a chance to think about what had just happened.

How great is that?

She probably made a commission and I never even saw it coming.

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Ok So, what made this whole process work so well?

First: The Element of surprise

I had no idea what hit me.

Second: A free trial offer

She offered me something that was very low risk to me. I didnt really want a subscription to Sports Illustrated, but hey it was FREE so why not?

Third: Smooth transition into her testimonial

Once she said that the subscription was something that she personally took advantage of herself I let guard went down. From that point on, I wasnt being sold on something I didnt want, but instead I was just getting a friendly recommendation.

Fourth: Smooth transition into how easy it was to back out at anytime

At this point, not only was I just getting a friendly recommendation, but she told me how easy it would be to back out of the deal at any time. Not only that, but I was given explicit directions as to how to end my subscription. Hey, if I didnt want the subscription I now felt even less pressure because I knew exactly how to end it.

Fifth: Additional Testimonials

Bang Before I had a chance to think about whether or not I want a free subscription to Sports Illustrated bad enough to go through the future hassle of canceling it Im hit with another testimonial about how great of an offer this deal really is from ANOTHER person thats taken advantage of it. So, now I start to feel a little like Im the one left out. Everyone else is doing it why not me?

Sixth: The Close!

I loved the close! It was so sneaky. She never asked me whether or not I wanted a subscription, she just asked if I wanted Sports Illustrated or Entertainment Magazine. I NEVER had the option to think about whether or not I wanted the subscription or not. She simply ASSUMED the sale and at that point just asked me what subscription I wanted. She never gave me a chance to tell her NO!

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Now that Ive given you six simple steps that you must follow to get the sale every time its just a matter of you figuring out how to use this in your own home business. So, stop and read this again if you have to. Just let it soak in. Its an extremely powerful process if mastered. Personally, I left that Best Buy not knowing what happened to me. It was like I was brainwashed!

Wouldnt you like to brainwash your customers into buying your products or services or joining your home based business opportunity?

If done right the customer will never know what hit them!!!
About the author:

Daegan Smith is the Ex-NCAA Wrestler Turned Webmaster of
Perfect Home Based Business Opportunities - The Internet's Top Home Based Business Opportunities Free Information Resource!

Stop Foreclosure

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

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

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

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

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

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

Ron Victor is a SEO copywriter for http://www.webuyhousesforcash.com
He written many articles in various topics.For more information visit http://www.webuyhousesforcash.com
Contact him at ron.seocopywriter@gmail.com

Safe Solo Backpacking Tips

Solo backpacking means peace and quiet. No one to talk to means no words are put between you and the beauty around you. The miles just flow. It's entirely up to you to say when you eat or take a break. Want to jump in that alpine lake? It's your decision alone. It's a unique experience.



A solo backpacker also is vulnerable. Twist your ankle, and there's nobody there to help you. Have you ever been stuck alone without food for days? How can you make your solo backpacking trip safe? You can't. It's inherently more dangerous to go alone into the wilderness. What you can do though, is make it safer.

Some Solo Backpacking Tips

1. Tell someone where you'll be, and when you expect to return. It's probably best if you leave a map with them, and let them know who to call if you don't return on time.

2. Bring a cell phone. I don't do this yet myself, but many lives have now been saved by cell phones. Turn it off and put it in the bottom of your pack so it won't bother you.

3. Bring the usual safety items (matches, 1st aid, iodine tablets, etc), but double-check to see if they are there and in working order, as you'll have nobody elses supplies to back you up.

4. If you're not sure of your abilities, or have a bad knee or other potential problem, stick to well-traveled trails. On many routes, another backpacker will be by every hour. That's good to know if you're in trouble.

5. Learn well how to read a map and use a compass. If you are two miles off route and can't get a signal on your phone when your knee gives out, you're in trouble. Even if you like to wander, you should be able to know where you are on the map for safety.

6. Know your abilities. Don't plan on twenty-mile days if you haven't done them before.

7. Learn to lighten your load. When you're alone, you lose the efficiency of sharing the load for stoves, tents and other common items. It's easy - and dangerous - to become overloaded when yours is the only backpack. You might want to read up on ultralight backpacking.

Solo backpacking is riskier, but for some of us, it's well worth the risk. Try it, and you might agree. Just be sure to take the necessary precautions.



About the author:
Steve Gillman is a long-time backpacker, and advocate of ultralight backpacking. His advice and stories can be found at http://www.TheBackpackingSite.com



How Important Is A Golf Fitness Program Mike PedersenA golf fitness program can make the difference between you optimizing your golf potential or playing the same frustrating golf you may be used to playing.



Its no secret that the body swings the club and plays the gameso why wouldnt you consider a golf fitness program to play your best?

A golf fitness program consists of strength, flexibility, endurance and even nutrition. But the big difference is making your golf fitness program as golf-specific as you can.

How do you do that?

First offjust take a look at the position your body is in during the golf swing. Its on your feet and in golf posture (bent at the waste, knees flexed, upper back fairly straight, ankles flexed, etc).

Can you now see how any physical limitation you have will dramatically affect your ability to make a sound, repeatable golf swing?

So the answer is definitely starting a golf fitness program. Its not as intimidating as you may think. It doesnt take going to a gym. It doesnt involve lifting heavy weights and really killing yourself. It doesnt involve 2 hours every day of the week either.

A golf fitness program can be as simple as using a pair of hand weights (dumbbells), an exercise ball and exercise tubing. All very inexpensive, portable and perfect for your home or even your office.

You can take your exercise tubing, attach it to a door and make downswings every day of the week. This is a great exercise to sneak in at your office that will have a direct impact on the power you produce through impact.

Designing a complete golf fitness program will take a little more creativity. I would strongly recommend pursuing a qualified golf fitness trainer to put together a complete golf fitness program that addresses your specific physical limitations.

You dont want to waste your time on exercises and stretches you dont need to do. You want to focus on a balanced golf fitness program that will improve your weaknesses.

You will be amazed how quickly your game will turn around. Ive worked with golfers who have seen improvements in a matter of days! Literally! Their fitness had declined so much they couldnt even get the ball airborne off the tee and within days were hitting it dozens of yards further.

What a joy to hear stories like that!

You too can see some huge improvements if you start your golf fitness program right away!



About the author:
About The Author: Mike Pedersen is one of the top golf fitness experts in the country, author of the Ultimate Golf Fitness Guide, and founder of several cutting-edge online golf fitness sites. Visit his new golf fitness site at http://www.performbettergolf.com


Footballjeff hatcherAdvising on the most informative opinion relating to football.


When you're seeking high-class information relating to football, you'll find it's complex unscrambling quality advice from poorly sourced football proposals and support so it is important to recognize ways of moderating the information you are given.

Row2Tickets: Football Tickets
Online ticket broker offering NFL football tickets and college football tickets.



Here are several tipsthat we believe you should think of using when you are searching for information about football. It is important to remember that the advice we tender is only applicable to internet advice about football.We are unable to offer any tips or guidance for conducting research offline.

First Choice Tickets: Football Tickets
Licensed ticket broker in business for over 15 years, handling all high demand events nationwide, including college and NFL football tickets.



An interesting tip to pursue when offered help or advice about a football website is to ascertain who owns the site. This may show you the people behind the site football qualifications The quickest way to work out who owns the football website is to look on the 'about' page or 'contact' page.

All reliable sites providing content on football, will almost certainly provide an 'about' or 'contact' page which will provide you with the owner's details. The fine points should tell some indication concerning the owner's requisite knowledge. This permits you to make an informed assessment about the webmaster's depth of experience, to offer recommendations concerning football.



About the author:
Jeff Hatcher is the webmaster at http://www.outdoors-activity.info/football/

He provides advice to aid in the search for information about a number of subjects available online.

The Benefits of Obtaining the Services of a Flat Fee Realtor

Each year, a large number of Los Angeles residents make the decision to sell their home. If you are interested in becoming one of those individuals, you have a number of selling options. Those options include privately selling your home or using the services of a professional realtor.

As with any service, there are advantages and disadvantages of seeking professional assistance to sell your home. Many homeowners mistakenly believe that the disadvantages outweigh the advantages, but in reality they often do not. The main disadvantage to using a professional to sell your home is amount of money they will charge. A large number of realtors charge a high fee for their services, but not all do.

If you are interested in finding a realtor that does not charge a high amount of money for their services, there are a number of ways that you can go about doing so. The first way involves familiarizing yourself with the most popular ways that real estate agents obtain their fees from their clients. The two most popular payment methods include a flat fee or a commission based fee.

One of the most preferred choices of payment by Los Angeles homeowners is a flat fee realtor listing. Los Angeles residents prefer this method for a number of different reasons. Perhaps, the greatest benefit of obtaining the services of a flat fee realtor is that their fee will be decided ahead of time. Individuals specializing in flat fee realtor listings often charge the same amount of money for their services, no matter what your home sells for.

If you have a home that is expect to sell for a large amount of money, you may want to consider using the services of an individual who has experience with a flat fee realtor listing. Los Angeles residents with expensive homes are often able to retain a profit from the sale of their home by using a flat fee realtor.

As the current owner of your home, you have the ability to choose which realtor you?d like to select. In addition to selecting a realtor based on their fees, you are encouraged to examine the services offered by each realtor. This should enable you to determine if the fees being charged are actually worth paying. There are many realtors who charge a high amount of fees, but offer a limited number of services. With these realtors you are not receiving a good value for you money.

By taking the time to contact a number of realtors, you could easily find an individual who is experienced with offering a flat fee realtor listing. Los Angeles residents typically want to see a profit from the sale of their home. With a low-cost flat fee realtor, you may be able to see a significant profit.

Brad Horn is a writer for 1 percent realtor where you can find a great resource for information regarding Los Angeles Flat Fee Realtor

How Much Equity Does Your Home Have?

When it comes to real estate, there are few things more important than equity. All of the advice given to first-time homebuyers centers on how much equity they are likely to build in the time they will be living in the home. Additionally, when it comes to getting a home equity loan or selling the house, knowing how much equity you have built up is quite important. It will determine how much cash you end up with. And that is no small consideration.

A Definition of Equity

Most of the time, equity refers to the amount of ?ownership? you have in a particular piece of real estate. A set amount of cash is the main expression of the equity in your property. Equity is usually built by a combination of two things:

1. Making mortgage payments
2. Increases in the property?s value

The longer you have the real estate, and make payments on it, the more equity you are going to build up in the property. And if you live in an area where the home values are increasing, you will find that helps with your equity as well. This is the reason that the general advice is to buy only if you plan to stay in a home for at least five years. This gives the property time to appreciate, and it allows you the time to pay down some of your property loan?s principal.

Determining Your Real Estate?s Equity

It is usually very simple to figure out how much equity you have built in your real estate. First, you need to find out what the current market value of your home is. You can do this by talking to a variety of real estate agents, mortgage loan officers, and appraisers. Next, you subtract the amount that you still owe from the market value of your home. The result is your equity. Here?s an example:

You bought your home 11 years ago with a loan for $115,000. Now, however, the property at current market value is worth $135,000. And you have paid down some of your loan, still owing about $75,000. To figure your equity, you subtract the $75,000 from the $135,000 for a total of $60,000. This is about how much you could expect to pocket if you sold the home at current market value, or the amount of money you would have access to with a home equity line.

Visit Home Equity Wise to view our Recommended Home Equity Lenders online. Also, visit Home Equity Wise to find information about obtaining a Home Equity Loan Online.

Choosing the Perfect Jogging Stroller

When choosing the perfect jogging stroller, a very important question to ask yourself is whether you want a swivel or fixed wheel. The benefit of choosing a jogging stroller with a fixed wheel is that it will offer the stability and straight tracking that you will require. The front wheel tends to be larger on a fixed wheel model which means it will be a smoother ride for your child and will handle bumps better at any speed.



When shopping for a fixed wheel jogging stroller there are several questions you should be asking yourself. Is this stroller travel friendly? Is it important to you that your jogger stroller has a folding mechanism? Consider whether or not you it is important to you that your jogger stroller also has a bike trailer included for people that cycle. For those of you are that are off-road runners, nature trail enthusiasts or live in a neighborhood with bumpy sidewalks, you should consider purchasing a jogger stroller with sturdy frames, suspension systems and high-quality construction.



If you do not plan on actually running with your jogging stroller then you might want to invest in one with a swivel front wheel. A jogging stroller with a swivel front wheel is an appropriate choice for indoor use, such as malls and the grocery store. The swivel wheel jogging stroller is usually 12? or less whereas the standard fixed front wheel is 16?. Although swivel wheel jogging strollers are less graceful with bumps and do not tend to track as straight they make tight turns much easier. These strollers can be used in a non-swivel mode for the occasional light jog.



Choosing a swivel wheel jogger stroller that is car seat compatible is also an important decision to make. A car seat compatible swivel wheel jogger stroller is convenient for transporting your child from the house to car to stroller without having to wake them up.

The Leading Styles In Bra Technology Today

There seems to be a never ending quest to design the perfect bra and while some great new designs come out every year there probably still isn't one that is considered perfect. Still, there are some that stand out over the others like the ones below.

Playtex is one of the oldest bra makers in the United States and while they may not be known for having the sexiest bras they are well known for their support and comfort, especially the eighteen hour design. This one features padded shoulder straps which keeps the shoulders from hurting and is excellent for those who are larger busted. This is an excellent choice for those women with extra support to keep everything in place.

Another popular choice these days is the low cut T-shirt bra from Gap. Not only does this bra feature outstanding comfort, flexibility, and style but it comes in a rainbow of colors at a great price. Another great plus is that it can be converted to a racerback style as well. One of the most popular colors is the nude color that is undetectable under white shirts or even lighter colors. This bra is also very durable and will last through many washes.

The Demi bra from Jockey has received rave reviews since it was first introduced. With well designed cups that are perfectly padded and well shaped this bra is great under tank tops and T-shirts. Another feature is the thin design of the straps which helps them to not be visible but at the same time does not cut into shoulders.

The Lily of France bra is one that serves multiple purposes as it can be worn for work and can be modified in the evening for a more sexy look. One of the best features is its ability to enhance one's cleavage giving lift and boost where it is needed. These bras are comparable to some of the more expensive types on the market at a more budget friendly price.

Of course no discussion about bras could be complete without mentioning Victoria's Secret. Their Gel Bra and the Very Sexy Bra are extremely popular for them and account for a lot of their sales. Not only are these super comfortable but they are also extremely durable in addition to being incredibly sexy.

Other noteworthy bras include those from Wacoal and Nu Bra. Wacoal tends to offer more utilitarian styles than sexy ones but they are a very good choice for especially for larger busted women as well as women who are larger in general as they have a wide range of cup sizes and support levels. The Divine Body Bra from Nu Bra is one that is excellent for enhancing one's bust size and features no straps.

Gregg Hall is an author living with his 18 year old son in Jensen Beach, Florida. Find more about lingerie as well as intimate apparel at http://www.elitelingerieshop.com

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

By Gregg Hall

An Introduction To Car Seat Covers

This article is An Introduction To Car Seat Covers.

Car seat covers are essential upholstery for the car if one wishes to maintain their car in impeccable condition. These covers can be put over the seats and they protect the seats from undesirable external and internal elements of the car.

These covers are tailored to fit over the seats of the cars. They can be custom made to make a perfect fit. They are held in place by zippers or Velcro fasteners or buttons. Velcro fasteners are the most popular as they do not cause any discomfort to the person sitting on the seat. They can be made of cloth, leather or any synthetic material and are washable. Dustproof and stain-proof materials such as neoprene are selected to make better quality car seat covers.

Though some covers are custom designed to fit particular car seats, most of them available in the market are of standard sizes and can fit all types of seats in all kinds of vehicles. They are marginally cheaper than custom designed covers. Covers are made with a foam lining, which may be three to eight inches thick to provide added comfort for the person sitting on the seat. The foam lining also provides insulation to the person.

The basic function of car seat covers is to protect the seats from spoilage. Expensive seats of cars can be saved from animal marks, food marks, sweat stains, etc. by using car seat covers. Car seat covers are a small investment considering they protect precious car seats. It is necessary to wash car seat covers frequently especially after long drives and after the car has been kept in the garage for a long time with the covers on. While buying a car seat cover, it must be checked if the covers are easy to remove and put on so that they can be washed regularly.

Each car seat cover may cost about $30 to $70 depending on the finish and the material with which it has been made. Car seat covers are now available in several patterns and colors. It becomes aesthetically important to match the car seat cover with the rest of the interiors of the car. Car seat covers are today not just a matter of security, but also a matter of vehicle enhancement.

ABOUT THE AUTHOR


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

Sexy And Sheer Lingerie Sets Whatever Your Figure

 



Sexy And Sheer Lingerie Sets - Whatever Your FigureSubmitted By: Amanda Cotterill  

M atching lingerie sets range from sheer lingerie sets to flirty boy shorts options. Matching lingerie adds style and sex appeal to any look. However, the range of available styles can make it difficult to know how to begin. Provided here is guide to sheer lingerie sets and other popular styles of matching lingerie.

Sheer Lingerie

Matching sheer lingerie creates a definite sexy look. Choose a bra and panties set in mesh or lace or perhaps a chemise and panties in a sheer nylon fabric. For a bold look, consider a sheer camisole with matching thong or g-string. Sheer lingerie is extremely popular in today's market, making it easy to create a set that works for you.

Bra and Panties Sets

Matching bra and panties sets are easy to find. Choices for these sets range from sheer lace or fishnet to more exotic lingerie options. Consider a velvet set for elegance or a cotton bikini set for flirty good looks and ultimate comfort.

Fun and Flirty

If your tastes run more to the fun and flirty than to the risqu?, you will find matching lingerie sets that meet your needs. Consider a soft tank top paired with cute boy shorts. Or perhaps you would prefer cotton bikini panties matched with a halter top or sports bra. It is possible to find matching sets bearing fun patterns or cute logos.

Exotic Lingerie

If your tastes are on the exotic side, look for lingerie sets that are more unique. Consider a corset or bustier with matching panties. Look for fur trim, sequins or other exotic detailing elements on whatever lingerie items you select.

Finding Matching Lingerie Sets

Some lingerie is designed and sold in sets. Bras and panties are often sold this way. This is a great way to pick up some matching lingerie quickly and easily. However, if you would like to widen your options, consider putting together your own sets instead. Look for pieces that have something in common. Matching colours, design features and trim are just a few of the elements to look for when designing when your own matching lingerie.

Accessories

In order to create a complete matching lingerie set, look for accessories that will complete the outfit. A sheer wrap in a similar colour adds both sex appeal and drama to virtually any lingerie set. For a flirty look, consider a short (mid-thigh or shorter) robe in a jewel tone silk or satin. Don't forget shoes. A pair of old-fashioned high heeled bedroom slippers adds a beautiful touch to any matching lingerie set.

A matching lingerie set is a terrific way to add an element of elegance to your lingerie choices. Purchase sets that were designed to match or branch out to create your own set. From the sexy elegance of a sheer lingerie set to the flirty comfort of boy shorts, you can find a set that is right for you.

There are so many different kinds of matching lingerie sets you will always find one that will suit your style and your pocket. It's amazing the choice we have, there are different fabrics to suit your mood.

About the Author:

Amanda Cotterill has been involved in the sexy lingerie uk market for many years. This article outlines the benefits of women wearing sheer lingerie as if that needed much explaining! Please include this credit if you use this article.

Article Tags: lingerie, matching, sets

Shops of New York Manhattan

For tourists, it is always a great fun to read in a booklet that the city they are going to is he best shopping venue, as any city will call itself the best one. However, you may be sure that Manhattan, New York is like a shopping paradise.
Most of the Manhattan grocery stores are quite typical with standard choice of goods. But, if you live at yappi district there are two places worth visiting: Zabar's and Fairway. The first one is famous all over the world for its rare products such as all sorts of caviar, nightingale tongues and so on. The second looks like a rebuilt hangar with its glass walls. Anything can be found here: hundreds nut sorts, dozens of sausages kinds, cheese, salads, pre-prepared food, Syrian pitas, fruits, vegetables, Italian ham and what not. If you plan to buy products for a week here, mind that they will be eaten in three days.
Manhattan boasts all kinds of food stores. For instance, lets have a look at the Macy's food boutique. The variety of products is overwhelming - home food from Italian villages packed in designer package, bottles of high-quality olive oil as small as perfume bottles, and expensive as well..
Deli or delicatessens are the mixture of restaurants and shops. The centre of the room is full of all kinds of sauces, shrimps, crabs and what not - all for one price. But it is better to buy food at highly visited delis, where food is not spoilt.
Vitamin Shops might be of special surprise to you. There is a wide choice of vitamins - note that Americans take them daily. There are vitamins for pregnant women in their middle thirties, for schoolchildren that do not study well, for those who win Olympic games... The choice is amazing.
If you have a sense of humour, jokes shops is something that you will be keen on. There are no banal things here - only the most curious ones.
But the best shops are, of course, Clothing and shoe stores. The most popular ones are huge DAFFY'S, TJ MAXX'S, SYM'S and Century 21 shops with their excellent choice of clothes for reasonable prices. For instance, you will find a lot of high-quality clothes made by unknown Italian brands here. Also, there are famous designer clothes that were produced in different years - the assortment is changing constantly so you will definitely be satisfied. If you do not like the thing you have already bought, you may return it back for a 8, 25 % tax.
Boutiques are also represented here with their latest collections, great variety, but sky-high prices as well. Those who are determined to come in will be welcomed by model boys dressed in expensive costumes.
Clothes that is most convenient and pleasant to wear is found at the casuals shops, like Gap, Old Navy, Banana Republic и Eddie Bauer. Gaps can be found all over the place and offer high quality goods that does not look cheap. Old Navy - the giant's junior line with more than 200 huge shops all around the USA; Banana Republic offers more expensive and exquisite clothes with black colours dominating in polished shoes, shirts and costumes.
Eddie Bauer assortment is almost the same as in gap. Clothes can be ordered by catalogue and the choice is really good.
Gant is on top of this list. Things are rather expensive here, but its really worth it.
All in all, to choose your most favourite shopping place, you have to come to New York first and see it all for yourself!
About the Author

To book a room at New York hotel, visit New York City hotels

Bags

Bags, which we use so often for carrying every essential thing, are an integral part of our lives. And to produce and create such useful products in various designs, shapes, sizes, colors, and types, numerous companies flood the market.



We also get to choose between pre-designed or pre-made and customized bags; tote bags made up of canvas, cotton, or leather; even plastic bags, diaper bags, and many others.



Tote bags are widely available. Choices exist as to the type, size, design, and color of the tote bags. Open-top totes, zippered totes, large totes, mini totes, canvas totes, cotton totes, leather totes, and much more are all available in the market.



Hundreds of companies flood the market today, creating customized or pre-designed plastic bags for customers. Associated Bag Company, Bradley?s Plastic Bag Company, Clear Bags, Packaging Graphics, Universal Plastic, Big Barn, Freedom Plastic Bags, Command Packaging, Fetpak, Uline, and Plastic Bags for You among several others offer pre-designed and customized plastic bags.



Different ways exist in which we can customize our bags. For example, we can print our own logo or message on them. Some companies require a minimum number for ordering such as a hundred bags or more, but some do accept orders on fewer numbers too. We can choose among different types of plastic bags such as ?polyester plastic bags for toughness?, ?polyethylene plastic bags to act as moisture barrier?, and much more.



Diaper Bags are extremely convenient in carrying babies? belongings and essentials. Research shows that some brands are particularly popular among customers. Some such brands include Timi and Leslie, Oi Oi, J. P. Lizzy, Reese Li, Fleurville, Samsonite Juvenile, Jirro, Dante Beatrix, Diaper Dude, Holy Aiken, Baby Bjorn, Eddie Bauer, and Land?s End among others.



They are available in different types and style, having numerous color options too. Apart from the traditional diaper bags, others like the backpack style, handbag style, shoulder bag style and much more are also provided by numerous companies.



Companies like Tutti Bella, Baby Catalog, Ebags, Dreamtime Baby, Amazon.com, Baby Style, Zappos.com, My Brown Eyed Baby, Pokkadots, Baby Center Store, Baby Bag Boutique, Baby Sherpa, Netkidswear, and Graco deal with diaper bags and other types of bags.

How To Pick The Right Backpacks?

A person who has to carry several things and keep them handy whenever needed should get a multi purpose bag that will not only be functional but will also fit any occasion. Of course, a person cannot carry a huge luggage all the time just so he can put in all his required items. That would be nice for airplane rides but how about for going around downtown or riding trains?

Anyone who has this problem need not worry because there is a solution and it is very cheap and handy at the same time. It is also very convenient to carry and can be appropriate for any occasion depending on the type ordered by the user.

The solution comes in the form of a backpack or a rucksack, whatever name you call it. People may think that backpacks are used only by mountaineers to carry their heavy mountaineering load. Of course, backpacks are also ideal for city and everyday use.

Backpacks come in all shapes, sizes and colors. The manufacturers of backpacks worldwide have seen to it that users can choose backpacks of any design depending on where the backpacks are going to be used. There are backpacks specifically for students, mountaineers, ladies, and all sorts of activities.

Backpacks are easy to carry because they are generally characterized by two straps that can be worn on the shoulders. The backpacks used by mountaineers are more complicated and are specifically made for the equipment that is commonly used by these people.

A person who carries a backpack need not worry about using his hands for other things or purpose like carrying other bags or perhaps eating because backpack carriers are hands free. Just sling the backpack straps on the shoulders and the user is ready to go. Backpacks are ideal for heavy loads but even those who carry light loads can make use of the backpacks.

It is amazing how people who carry backpacks are able to carry heavy loads and still be comfortable walking. The reason is that the load of the backpack is concentrated on the shoulders of the carrier.

Backpacks are particularly useful for students who can place as many books as possible inside the backpacks. Backpacks are also ideal for soldiers who have to carry so many things especially during an operation. Their backpacks can carry food, extra ammunition, medicine, or even parachutes.

People who love to shop have made it a habit to bring their backpacks because they can fashionably wear them when they are still empty and then fill them up with the packages or items they have bought. Shoppers can still go on shopping even if they are already carrying the backpacks on heir shoulders.

So how does one pick the right backpack? The first thing to do is to determine the use of the backpack. A student who is about to purchase a backpack will definitely choose one that is hip but at the same time able to carry his books and other school paraphernalia. On the other hand, the requirements of a mountaineer would be totally different from that of a student because a mountaineer would definitely opt for a bigger and waterproof backpack that can carry a lo of things like tent, ropes, water container and other climbing gadgets.

There are backpacks designed for rugged and heavy use and these are suited for backpacking or outdoor activities. Of course, there are also backpacks that are stylish and classy for people who want to use them even in the office or during important meetings.

The next thing to consider when picking up the right backpack is to choose the material from that the backpack is made. There are water proof backpacks, nylon backpacks and even leather backpacks. Backpacks are also becoming a hip among women who want to avoid carrying flimsy shoulder bags even for important occasions. Some office girls prefer leather backpacks as these can be used even when they are wearing a dress.

When choosing a backpack, determine the capacity of the backpack and try to match it with your need. A person can purchase backpacks of all shapes and sizes and not worry about overspending because backpacks are generally affordable. Imagine having different backpacks to cater to your different needs and lifestyles.

About the Author:

For more great backpack related articles and resources check out http://backpackadvice.info

Poland Real Estate

Poland has painstakingly been rebuilt from the ravages of Communist regime post World War II. Poland's inclusion in the European Union has had an impact on opportunities for livelihood. Better job prospects have resulted in economic boom. This in turn has affected real estate business. Individuals are turning to purchasing property for residential or commercial purposes.

After the Second World War, Poland was completely destroyed and rebuilding took years of time. Today, situation of real estate has improved as a result of its affiliation to European Union. There are a series of changes that have taken place. While Warsaw, the capital of Poland, remains the most influential and expensive city to own property, standards are not up to what they are supposed to be. Cities such as Krakow, Wroclaw, Poznan, Lodz, are now distinguished as the urban cities in Poland.

Cost of the land ranges from $1250 per square meter to almost $50000 to $200000 per square meter in urban areas of Krakow. Subsidized rules, faster loan availability at reasonable rates have pushed up values of real estate investment in Poland. Warsaw alone has several new areas like Wilanow, where more and more properties are up for sale due to easy availability of different currencies. More and more individuals are turning in to realtors and providing competition for real estate deals.

With low taxes, politically stability and expert driven economy, Poland is all set to make a new come back in the real estate market. Property prices are already up and real estate market is looking quite confident and very power driven. This may become a better and faster market for real estate markets in future. Real estate market in Poland looks all set to make a great make over with cities such as Tricity, Lodz, Poznan witnessing an economic growth due to European Union.

Future of real estate in Poland looks very bright and promising. With infrastructure doing well, and war effects being over, real estate in Poland is all positive and forward looking.

Poland provides detailed information on Poland, Poland Travels, Poland Tours, Poland Real Estate and more. Poland is affiliated with Portland Oregon Hotels.

Foreclosure Can Foreclosures be Stopped

It is everyone?s dream to own a home or built a house for his or herself. There are a few who are fortunate enough to secure one paid in full while many others try to buy one through financing or securing loans.

However, even you are religiously saving for the so-called rainy days and even if you have sufficient finances, there would come a time that you would find it difficult to face up to your obligations. Sicknesses in the family, a possible retrenchment at work or emergency purchases are unexpected instances where you could find yourself in arrears with your payment and then suddenly you are now facing foreclosures.

When legalities come into play in your financial situations or mortgages, it means that your predicament is deep serious. Foreclosures are one of those legal terms that everyone detests, especially the homeowners and the financers or banks themselves.

In exchange for lending the money, the lender would hold a lien against the property, If the borrower does not make the required payments, then the loan goes into default and the lender could exercise the lien against the property, in order to take legal possession of the property for the purpose of selling the property to pay off the borrower?s loan. This process is called foreclosure.

CAN FORECLOSURES BE STOPPED
HOW TO STOP FORECLOSURES

Aside from the obvious reason of not paying their loans on time, homeowners get into foreclosures, even if they have avenues to explore, simply by ignoring calls or letters from their banks and lenders or just simply giving up on his/her property in the hope that the tide of things would turn favorable on them.

Although foreclosures are eventualities in securing homes through financing, it does not mean that this could not be stopped or remedied. The matter hinges on the homeowners themselves if they want to keep the property for sentimental reasons or just simply foreclose it and just face the consequences of their action, notably severe damage to one?s credit rating.

If you are delayed in payments to your mortgages and there is no relief in sight, in the immediate or near future, then you have to put the problem in perspective and make a contingency plan or efforts.

The standard measure of keeping or selling the property is that if your monthly house payment (including property taxes and insurance) does not exceed 40% of your gross monthly income, it should be possible for you to keep the property. If the payment is greater than 40% of your gross monthly income, consider selling or transferring the property to avoid negative impacts on your credit. This option would more likely be the path to be taken by borrowers who have equity in the property. By selling the property, the borrower could then pay off the mortgage, and pocket the difference if there is equity remaining.

If the financial setback is temporary and you need immediate money to make your loan current so that you could continue paying your debts, it is best to approach family and friends instead of hard money loans since they would lend money based on equity in the property. Just make sure to pay off your loans to your relatives or close friends for it is much difficult to have them foreclose on you to get their money back.

The best and simple solution to foreclosure proceedings is to deal directly with the situation. Be brave enough to talk with your banks or lenders and explain your situation. Remember, they do not want to foreclose on you they just simply want their money back plus interest. By exploring this angle, the lender and the borrower may arrive at a common ground to work on and resolve the situation in a way that is agreeable to both parties. The Loss Mitigation Department would deal on cases like this.

Basic lending guidelines would require all home loans would total up to less than 70% of the current market value of the property. If you have more equity than that, you should have no difficulty in obtaining a new refinancing deals or second trust deed to bring your loan current. Expect higher interest rates and loan fees.

There are several other alternatives available to you depending on the situations of the borrower, laws of the state and policies of the lender. You may consider forbearance, refinancing, modification, deferral of principal, a temporary indulgence and a Chapter 13 Bankruptcy.

In applying forbearance, your lender may be able to arrange a repayment plan based on your financial situation and may even provide for a temporary reduction or suspension of your payments. You may qualify for this if you have recently experienced a reduction in income or an increase in living expenses. You must furnish information to your lender that there is a temporary problem and it would be resolved in the near future and show that you would be able to meet the requirements of the new payment plan.

A similar portion is deferral of principal in which the borrower agrees to pay the interest only for a certain period of time and then making the usual monthly payments. But just like in forbearance, this is very difficult to obtain unless the bank is familiar with the borrower or the borrower has an excellent credit stature in the bank.

If you have recovered from a financial problem you may able to apply for a mortgage modification. This process involves renegotiating the terms of debt and/or extends the term of your mortgage loans, changing the interest rates or additional surcharges to the principal with the current lender. This may help you catch up by reducing the monthly payments to a more affordable level. Refinancing, on the other hand, means that the borrower obtains a new mortgage with a different lender; the operative word here is different. As much as possible this alternative should be avoided since it would make your problems worse for borrowers in distress would tend to agree to onerous terms just to get a lease on their loans.

A chapter 13 Bankruptcy could be another option for it gives the borrower the time to ?re-organize? his finances and work out a payment plan prior to resumption of payment. This would help keep the property and not blemish your credit rating compared to a Chapter 7 Bankruptcy, which completely discharges any debt the borrower had accumulated under the mortgage.

As a last resort, you may able to voluntarily ?give back? your property to the lender or a ?deed in lieu of foreclosure.? This would not save your house, but it is not as damaging to your credit rating as a foreclosure. This may be availed of if the borrower is in default and do not qualify for any other options and your attempts at selling the house before foreclosures were unsuccessful.

In some other states, there are laws and other options that are available to borrowers with mortgage problems. There is the option of reinstatement which means that the borrower brings the foreclosed mortgage current, including all overdue amounts, as well as fees and costs. Likewise, there is the co-called redemption, however it is usually limited in how often he or she could take advantage of this option and this is limited to some states.

A foreclosure procedure takes a long time to materialize and homeowners are given the chance to bail themselves out of their predicament. Sometimes the best defense against foreclosure is just to make a response on their inquiries or demand letters. Ultimately, the only thing that would stop foreclosure proceedings is repayment of the debt, for every option mentioned here is just a delay in the proceedings.

Information about Foreclosures in California and other states including tax liens and tax deeds. Looking to buy or sell your Bay Area Real Estate - we can help. Call John Nazareno at 510-410-8026. Thank You!

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

Playing Poker Online ? What to avoid at any cost

Wow - You've see it on TV. The glamour, the glitz, THE CASH!!! and you may have noticed that one of the key skills in any poker game is observation. In a live game there are relatively few distractions and you get to watch the reactions and body language of your opponents.



Playing online is a whole different ball game. There?s the TV, the family, the dog, the phone, in fact it seems like the whole world wants your attention. This is not good for your game and ultimately your poker earnings. Oops you just folded that AA when you wanted to raise. Damn now you called an all-in bet with junk and you meant to fold. Don?t laugh, I've done both of these and it?s cost me quite a few dollars!!



So now you?re in the Den, it?s quiet and at last you can concentrate. Ah, let?s just reply to these emails, do that search for a new BBQ and review the excellent www.pokerwebonline.com site for the best bonus deals. Hey what do you mean I?m sitting out?? Multi-tasking the modern day buzz word. And a total killer for your poker profits.



It?s a tough enough game to beat when you?re fully concentrating, on top of your game and playing the best that you can. So why handicap yourself by not giving it the attention it deserves. And have fun while you?re doing it. Chat and Smack Talk while you play, you may send a player on tilt! But don?t forget to concentrate, it takes a lot of focus and discipline, especially when the game is slow and you?re just not getting any cards. Don?t be tempted to push for some action ? you?ll lose more money quicker than that!



The best way to split your attention is to play 2 or even 3 tables at a time. This guarantees that you can?t focus your attention on any particular table. If you must do this, (and I?m certainly guilty of it!!), play a tournament and a ring game, or 2 tournaments. Try and avoid playing multiple ring games, it?s just not profitable in the long run unless you?re Howard Leaderer of Phil Ivey.



Pick a card room and a table that suit how you play. At the lower limits that?s easier said than done, but by OBSERVING what?s going on, you?ll get a ?feel? for the table after a few hands and for little or no expense, depending on whether you posted and went through the blinds or not. If it doesn?t suit you, get up and find another table. It?ll be far cheaper in the long run than trying to force the table you?re on. Know when to cut and run and when to stay.



As the play progresses you?ll notice players leaving and joining. Pay extra attention here as the fish you were milking has left and a tight aggressive player is now in their place. This could affect the complexion of the whole table and make it unprofitable to continue.



Play tight, aggressive and sensibly and your bank roll will grow over time ? and maybe I?ll see you at the WSOP!! ? I?m All-in!!!

Farming Recipes And Traveler's Backpack For WoW Gold

Traveler's backpack sells for A LOT. Usually, the Alliance realm is two or even three times more populated than the Hordes. To start, have your main character on the Horde side because that'll be the character in which will be receiving all the WoW gold. You'll need to farm a little gold for your Alliance character. When you've collected about 20 gold pieces go to the nearst Auction house and buy a Traveler's bag. Then fly to Tanaris and set your buyout price very low.

Now log onto your main character and buyout those bags. Be sure to do it quick so no one else grabs it before you do. Since the Alliance population is much bigger, there are much more bags available in the Auction House and the normally cost cheaper. If you sell them on the Horde side you will get a lot more for what its worth. A bag goes for around 5 gold pieces on Alliance and sells for 10 gold pieces on Horde. That's 100% profit right there.

Normally I would transfer over around 4 bags each time. That would be about 20 gold. Within a week I can farm about 4,000 gold pieces. That is a pretty decent amount even with the auction house taking about 15% on fees.

There are some recipes that sells for a great amount of gold. Best sellers are Brothers Knaz and Gnaz Blunderflames in STV. They sell Schematic: Deadly Scope and Schematic: Mechanical Dragonling. You can only buy one of each per day. Mechanical Dragonling costs one gold each which can easily sell for six gold. Deadly Scope costs 20 silver and sells for about 5 gold pieces. Another nice receipe is the Mithril Mechanical Dragonling, sold by Ruppo Zipcoil in Hinterlands. Costs 40 silver to buy and sells easily for 5 gold. I can on average about 100 gold per week running these small errands. It isn't very high income unlike selling Traveler's bags but it's a quick method with an extremely high profit margin.
About the Author

Bo is an adequate World of Warcraft player. He contributes many WoW Gold farming techniques on his blogs. He also enjoys reading other World of Warcraft Gold farming sites as well.

Weekend NFL Betting

The fifth week of the college football season doesn't have any must see games, but it does boast a number of crucial conference match-ups that should have the avid CFB pigskin fan pumped. By NFL BetBet and Ecobika NFL Betting

The first of which takes place at 12:30 ET when the Colorado Buffaloes invade Columbia to take on the undefeated Missouri Tigers. The Buffs put forth their best effort of the season in Athens, GA last week and almost upset the #10 ranked Bulldogs in the process. The Tigers have quietly ripped apart each and every one of their opponents on their way to their perfect 4-0 mark. The Buffs made a habit of beating Mizzou in to a bloody pulp during the Barnett era, so it'll be interesting to see how the new regime fares. I'm going to go out on a limb here and say the Tigers won't be gracious hosts. You'll be able to see this Big 12 North battle on all FSN affiliates.

The next crucial conference match-up takes place in the MAC East where the Akron Zips pack their bags back up and hit the road once again to take on the surprising Kent State Golden Flashes. This will be QB Luke Getsy's Zips first conference game of the season, while the Golden Flashes already stand at 2-0 in the division. A win here by Kent would give them some fantastic breathing room the rest of the way, and they would have to be considered the odds on favorite to reach the MAC Championship game if they were to hold serve at home the rest of the way. Expect another solid MAC battle to occur, so tune into FOX Sports Cincinnati to see these two slug it out.

The 3:30 ET time slot is when most of the day's fun begins. Oregon takes on Arizona State, Georgia Tech invades Blacksburg to take on the Hokies, the Gators seek revenge in The Swamp over Alabama, and Texas Tech and Texas A & M will battle it out in what's become a very fierce rivalry over the years. You can catch the SEC battle on CBS, while all the other big games will be broadcasted on ABC.

Lincoln, Nebraska will be in a frenzied state come 7:00 ET as their Huskers take on the Kansas Jayhawks in what's certain to be a bloodbath. The Jayhawks snapped a 36-year losing streak to Nebraska last year in Lawrence, and dished out a woodshed beating in the process. Tune into Fox Sport Net to see if HC Bill Callahan decides to return the favor.


A couple of Big 10 powerhouses take the field at 8:00 ET as the Michigan Wolverines visit the Twin Cities to take on the Minnesota Gophers, and the #1 ranked Ohio State Buckeyes invade Kinnick Stadium to lock horns with the 13th ranked Iowa Hawkeyes. One game looks to be a blowout, while the other should be very competitive. Can you guess which is which? Be sure to tune into ABC and ESPN to find out!!!


Betting NFL Week 4 Click Here there are a couple of decent games in the NFL, but the rotation for the most part doesn't really get my blood pumping. Many will be interested to see if the Ravens are for real, and to see how QB Phillip Rivers handles his first true road test as a pro. The TO saga really turned the Dallas camp upside down this week, so it will be interesting to see how they perform at Tennessee. Are the Saints for real, or was their fantastic exhibition on Monday Night just a smoke screen? Tune in at 1:00 ET to find out as they take on a desperate Carolina squad. Mike Martz returns to St. Louis now as the Lions offensive coordinator. Yeah, Not interested!!!

The afternoon slate does peak my interest a bit with New England and Cincy squaring off as well as Jacksonville and the Redskins. Cincy picked up an enormous win at Pittsburgh last week, and might come out a bit flat. NE was embarrassed on Sunday Night in front of the entire world, and should come out with their hair on fire. Jacksonville not only lost to Indy once gain, but they cried about it after saying the Colts were cheating and threw too many cheap shots. Are they really ready to go into Washington and take on a skins club that finally found its offense last week? Tune in at 4:14 ET on CBS or FOX to get answers to all these questions.


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Montana Mortgage What to Expect When Buying a Home in Montana

Maybe you are buying your first home in Montana, or perhaps you are relocating to Montana from another state. Either way, it?s important that you educate yourself on Montana home loans before shopping for a home and mortgage. This article explains what you will need to know before buying a home in Montana:

The median price of a home in Montana is $99,500. Recently, homes in Montana have been appreciating at rates below the national average. However, in some parts of Montana, appreciation rates are at an all time high. As a result, income levels in many parts of Montana are too low to purchase a median-priced home with a conventional loan. In fact, homeowners in many Montana cities pay more than the recommended 30% of their incomes toward housing.

Average interest rates in Montana are above the national average, and job growth rates are below the national average. Both of these factors further the problem that Montana home prices have surpassed personal income growth.

Montana does not have a mortgage tax. Montana state law states that no loan can be secured by property of more than 40 acres. Montana?s Fair Housing Act prohibits mortgage lending discrimination against individuals based on their race, color, religion, gender, familial status, or national origin.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Montana Mortgage Rates and Loans .

Squamish Whistler Real Estate Markets Gear Up For 2010 Olympics

There is nothing like worldwide attention to drive interest in a region?s real estate market, and nothing drives World-wide attention like the Olympic Games. Since the announcement that Vancouver and Whistler would co-host the 2010 Olympics, The real estate market in the area between Vancouver and Whistler has been exciting to say the least.

While the Whistler Real Estate Market is historically famous for its high priced homes and chronic staff housing shortages, much of that has dissipated over the last few years. Whistler Real Estate sales remain steady as its profile is further increased, and since, compared to options like Vail or Aspen, Whistler offers a competitive option in securing ski resort real estate.

Further to the South, things are even more interesting. For decades, Squamish BC, a quiet industrial town at the end of the spectacular inlet of Howe Sound, lived in relative obscurity between it?s much more famous neighbours of Vancouver and Whistler. This quiet town of 15,000 was home to those who were tolerant of the commute to Whistler or Vancouver, forestry industry workers, and a few passionate outdoor recreationists.

However, the fact that the next Winter Olympics will take place in venues both north and south of Squamish and a concurrent booming British Columbia economy, combined with a hot Vancouver housing market have boosted awareness of the Squamish Real Estate Market. Squamish is now attracting a great deal of interest as a place to live and invest in real estate. Housing developments are springing up or being planned all over this town, which has recently branded itself ?The Outdoor Recreation Capital of Canada?.

For decades, the spectacular Squamish waterfront has been dominated by industry, most notably a saw mill, a deep sea port, and a chemical plant. But the Sawmill is gone, and 1300 housing units are planned as part of ?Waterfront Landing?, a development by Pridham that will see townhouses, apartment towers, and an impressive a waterfront walkway talk the place of a former sawmill.

Further south, The District has also attained ownership of another 60 acres of oceanfront property ? a former chemical site, which it hopes to develop as a park and residential area, with perhaps some light industry to provide local jobs.

For many, Squamish?s key attraction, the one thing that by far sets it apart from just about any place on earth, is the incredible variety of outdoor recreation opportunities available in this town. Just the sheer number of outdoor recreation activities available is hard to comprehend and it is a challenge to even attempt to catalogue them all. The rock climbing, mountain biking, hiking, white water kayaking, ocean kayaking, kite surfing, wind surfing, and river rafting are all frequently described as ?world class? in Squamish. Add to that three great golf courses, horseback riding, scuba diving, fishing, some road cycling and options for boat tours or air tours, and it is clear that many days of adventure can be fulfilled in Squamish, whether by resident or tourist. And of course, for those living in Squamish, a considerable bonus is the proximity to Whistler, putting world class downhill skiing a short drive away.

Moving towards taking advantage of the growing tourism opportunities, The District of Squamish has just completed a Tourism Information Centre on the well-traveled Highway 99. The $6 million structure is known as the ?The Adventure Centre?. The impressive, ?saddle shaped? building contains a coffee shop and district offices as well as standard Tourist Information Offices.

Real Estate in Squamish draws a great deal of interest from North Vancouver and with the commute from Squamish to Vancouver now shorter than from the Fraser Valley, there is a lot of interest from residents who are not sure they want to endure the daily slow drive from the Fraser Valley, the area to the east of Vancouver that has seen the greatest interest from the Vancouver based worker. And with its isolation, Squamish offers an escape from urban sprawl and an authentic small town feel.

Squamish has seen a huge increase in prices, with eight $1,000,000 plus homes for sale at the current time, and it is predicted that in a couple years time, it will be quite common to see $1,000,000 homes. At the other end of the real estate market, Squamish remains the most affordable community between Maple Ridge and Whistler.

Squamish market is also attracting young urban dwellers hoping to purchase reasonably priced homes in a favorite destination for recreation. Squamish is confident that it can sustain this growth and that it has every opportunity to become the service centre for places like Whistler and Pemberton, the other main towns in the Sea to Sky corridor. The addition of stores like Wal-Mart and Home Depot will inevitably make Squamish the place where people from Pemberton and Whistler go to shop, rather than having to drive the extra miles to North Vancouver.

Squamish Real Estate: www.myseatosky.com/squamish Whistler Real Estate: www.myseatosky.com/whistler Squamish www.DiscoverSquamish.ca

Create Your Own Scrapbook

Have you ever considered journaling your life's pages and transforming an ordinary collection of photographs into a vibrant and visual storyboard? Telling the stories behind the pictures and revealing hidden memories and emotions through the creation of a scrapbook can be a wonderful experience that you will admire in years to come as it will make you smile while looking at your past adventures. But most importantly, creating your scrapbook from scratch will give a unique and intimate feel, as a personal touch will turn your albums into something very special. That is the power behind journaling a scrapbook and this cherished feeling is one of the most important elements of different types of scrapbooks.

The best thing about creating a journaling scrapbook is that although there is a plethora of scrapbooking supplies available on the market, you actually do not need much to make your own version and personalizing it according to your imagination. In fact, all you need to create your own scrapbook is an empty album, glue, a pair of scissors, and your collection of photographs, stickers, tickets and newspaper clippings. Additionally, any fabric, ribbon, or bits of leftovers from other projects can be used to embellish your personal journaling scrapbook. Have in mind that as you become more familiar with scrapbooking, you will find products that will save you time and frustration. Although these are somewhat more expensive they are well worth the extra cost. The most usual investment is that of an exacto knife. Its strong and versatile blade allows you to cut almost anything into any shape and when the blade is dull, you can simply brake off the end to reveal another sharp tip. But remember to place the object you plan to cut onto a mat or wad or newspaper before using the exacto knife, since it will cut right through your picture and into your scrapbook page or dining room table if you are not careful or exercise more power than needed. Moreover, you should buy a pair of tweezers as trying to pick up and place small gluey pieces can be a hassle. Tweezers, however, will allow you to move pieces without touching them and getting glue all over your fingers. At this point you should know that there are various glues and affixing options available at your local supplies store. Some of these quick and less messy options include glue dots, two-sided tape, Xyron, acid free photo tabs and polypropylene corners. Also, remember that you should purchase acid and lignin free albums will increase the preservation of your scrapbook and your paper treasures intact. You can find lignin and acid free pages and albums in virtually any color and texture.

Finally, when your journaling scrapbook is ready it is time to add its content. First, think about the people who will read it in the future. If they were not part of the activity you are about to describe you should give them as many details as possible so they can relive your memories and stories for themselves. The 5 W's method is usually the best strategy. Name the people appearing in the photo, and describe who took it and who else was present. Then state the purpose of the photograph. Describing what was happening can help the reader understand the circumstances that prevailed and feel part of the story. Of course, you should state where the event your photo illustrates was and it is always good to give some background information. Remember to tell to the reader when the photograph was taken and add the specific date including the year if possible. In addition you should state why this photograph was used. What makes it so important?

You should not be afraid of scrapbook journaling. Just remember that all stories have a beginning, middle and an end. Ask yourself, What would I want to tell future generations about the photos on my page? and this should be more than enough to help you write down your stories. A title page or famous sayings, quotes or a special poem you wrote for the occasion can gradually lead the reader to the end of your story.

About the Author:

Kadence Buchanan writes articles on many topics including Recreation, Games, and Travel

The Rise of Little Brother

Assistance for Home Buyers

Each year, a large number of families make the decision to move. This move often results in the purchase of a new home. If you are moving in or around the Los Angeles area, you may be wondering what type of assistance is available for home buyers.

In and around the Los Angeles area, there are numerous individuals who are able to assist an individual or a family with buying a new home. Out of all of those individuals, the most popular is a buyer real estate agent. Los Angeles is full of homes that are for sale. Choosing a specific home can be a difficult decision, especially if you and your family are not originally from the Los Angeles area.

If you are interested in obtaining the services of buyer real estate agent, you will need to find an agent to do business with. If you are from out-of-town, you can easily found an agent online. You are urged to find the contact information of a number of real estate agents or real estate companies. Before deciding on a particular buyer agent, you will want to speak to them directly over the phone.

When you are speaking to a real estate buyer agent, it is important to inform them that you are from out-of-town. Not all agents are setup to handle out-of-town clients. If a particular agent is unable to assist you, it is likely that they would provide you with the contact information of other individuals that may be able to offer assistance. When speaking to a buyer real estate agent it is important to determine how they obtain their fees and what services they offer.

Similar to all other real estate agents, a buyer real estate agent will obtain their fees in different ways. This is important when finding a buyer real estate agent. Los Angeles has a large number of agents; therefore, it is important to find one that offers low fees. Most will receive a commission percentage from the purchase of your home, but it is still important to check first.

It is also important to determine the features or services provided by each buyer real estate agent. Los Angeles, as previously mentioned, has a large number of agents. If you are interested in getting the best value for your money, you are encouraged to the compare services offered, as well as the fees they are being offered for. Popular services include video conferencing, video home tours, and much more.

If you are interested in using a buyer agent, you have a number of ways to find the perfect buyer real estate agent. Los Angeles phone books or online business directories are free and easy ways to find a number of real estate buyer agents. Selecting the perfect real estate buyer agent is important. Without the perfect agent, you could be paying too much for your new home.

Brad Horn is a writer for 1 percent realtor where you can find a great Los Angeles Buyer Real Estate Agent

Staying Calm When Home Values Drop

As the real estate market cools off across the nation, many people are getting nervous about reductions in the value of their property. There is little reason for such stress.

Staying Calm When Home Values Drop

The real estate market can be looked at in two ways. First, you can look at the movements on a monthly or annual basis. When doing so, you will see moves up or down and perhaps stress yourself out far more than necessary. Alternatively, you can look at prices on a long-term perspective of five years or more and predict where they will go based on historical trends in real estate. By far, this second approach is the way to go when it comes to viewing the value of your home.

Unless you live in Texas or Colorado, there is no denying that you have probably seen significant appreciation gains on your home over the last ten years. The market has been about as hot as it ever has. Properties in Las Vegas, for instance, were appreciating at a staggering rate of twenty-five percent or more a year. A YEAR! On paper, a lot of people became millionaires because of the equity gains in their home. As always, such growth could not be sustained inevitably.

The gains you have made over the last five years or so appear to be under attack at the moment. Across the nation, we are seeing a pull back on home values because of a cooling real estate market. It is important that you don?t overreact to this pull back. The gains you have seen in the last few years were paper gains, to wit, they did not put money in your bank account unless you pulled money out of your home. As home values cool, it is important to realize any loss of equity is also a paper loss, to wit, you aren?t paying anything out.

A map of real estate prices over the years would show a continual up trend. Yes, there are variations over a two to three year period, but the overall trend is an increase in property values. There is no reason to believe this will change anytime soon. The current pull back on property values will pass and your home will start appreciating again. It may take a year or two, but it will happen. Relax!

If you are seeing a pull back on the value of your home, you should not sell unless there is some other compelling reason. Practice patience and you will see prices rise again in the near future.

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

Real Estate ? US Real Estate Could Crash Protect Yourself Now

If you are an investor in real estate in the US, you already know the market is slowing and falling and these falls look set to increase.

You can however protect yourself from these falls, by diversifying into other markets close to home that are booming. Lets look at an example.

The US Market

Fact is, the outlook for US real estate profits does not look to have good risk - reward at present because:

1. Economic growth is slowing

2. Oil prices remain high and inflation and interest rates are rising

3. Property sales have already slowed just a the time there has been a glut in new home construction

We all know it: Interest rates rise restricting money supply and the vast majority 70% see US Real estate falling or even crashing. Its simple economics when money supply dries up and economic growth slows real estate falls.

Protecting your portfolio

If you want to protect your investment in property look overseas and you don?t have to look to far away to see booming markets.

Central America is booming and much of the boom is caused by problems in the US.

More Americans than ever are snapping up properties that are up to 70% cheaper then in the US and getting a more affordable lifestyle.

Baby boomers are buying and will continue to buy in ever increasing numbers.

In central America you can buy new emerging markets such as Belize and Nicaragua or established markets such as Costa Rica.

Costa Rica is a well established market and gains have been stunning:

Investors who bought $30,000 of real estate near Jaco on the pacific coast 15 years ago are worth up to $800,000 today and gains are NOT Slowing down!

Many investors are doubling their money in this are in little over a year making it ideal. It?s popular and will continue to be in the coming years.

It offers great gains with low risk and is ideal for the risk averse investor.

Is investing in real estate in Costa Rica difficult?

The answer is no.

Costa Rica is beautiful safe and stable and the government wants foreign investment so, the buying process is easy, buyers get the same rights as residents its very tax efficient and property tax is minimal!

For investors wanting an easy property investment with the potential for big capital gains, the central pacific coast near Jaco in Costa Rica offers a good investment with low risk

There are opportunities in other central American countries for property but this one is a proven market with a track record, record investment in the area and huge future potential

If you are worried about a US real estate plunge ? Take action!

So if you don?t want the risk of possibly losing heavily in the US market look south just 3 hours away from the US there is a market that is booming, that you can take advantage of and get big potential gains with low risk.

Take a look and see for yourself

FREE ESSENTIAL REPORT!

On investing in property and all the facts you need to know to have big capital gains potential with low risk visit: http://www.costaricalandlots.com

Flipping vs Keeping

NO contest.

I have written about this for three years. I know there are seminar leaders discussing it Nationwide, adnesua.

Let me set the record straight. THERE are two things at battle here. ONE is, What is a fairly easy way for me to make a few thousand dollars? The other question is What is a fairly easy way for me to make millions of dollars?

Those are two different questions. ON several newsgroups focused on real estate investments, I have been sneered at, insulted and cajoled because of these facts. I can see now why the negative comments occurred. I failed then to say ?way to make Millions, or to make money. I did instead say, those who are into real estate investing and flip houses are idiots. My bad. IF one does consistent flipping as a way to make Millions, he/she then is an idiot. I am calling an idiot anyone who takes a method and Prostitutes it and then, must take 3-5x longer to get to their objective if they, in fact, Ever reach it!

For those of you new to this whole ?game? of real estate and flipping, I will explain it. Flipping is an assignment of the right to own a piece of real estate. Anyone can assign Their rights to real estate. A synonym to flipping is wholesaling. This is the industry Term though it is a misnomer. Wholesalers gain title to something whereas in real estate, A flipper or wholesaler only gains rights, and not title. The difference in some cases Is significance. And it is TRUE that one needs no credit, no job or anything in order To flip a property--only a willing property seller.

This math I have shown to others repeatedly;

Take one house, market valued at $200,000. [I used to use 100k, but those houses in Flip territory are vanishing.

THE flippers methods are easy to understand. He/she usually; finds a property From one of many sources, that is available at 10-50% below FMV, or, fair market value. This flipper gets that property UNDER control by writing a contract on it. WHLE it might make no sense to those not familiar with real estate, anyone can write a real estate Contract and give it to a seller. Perhaps it takes 100 contracts to get one seller to accept But that is the method. Twenty five years ago, I did that to get control but I kept the properties and lived in them or managed them and sold them later. A seller can accept anything they wish to accept. Some sellers care who the buyer or contract writer is And some sellers DO NOT CARE.

AFTER the flipper finds house that is thought to be for sale below market [10-50% And gets it under contract [some UNLICENSED flippers instead, only know of such properties and make separate contracts with future buyers that obligate the buyer to pay them for the info if the buyer buys. This is illegal!

The finder of the house, the contract holder, must now do two things
A; find the best price to re-sell at and
B; find a buyer for the property.

Since the wholesaler sells the property below fair market value, the difference is what is going to the buyer. Thus, the buyer of a flipped property gets instant equity.

Presuming in my math that the finder wants 10% for himself and is offering a house At 25% below market [that is available to the flipper at 35% below, the flipper Sells the house at no cost to himself and grosses 10% of the price he sells it at.

The $200k house fmv is available for a 35% discount, or 200-70k=130k and sold to the new buyer for 10%, usually of the purchase price so 130 + 13k = 146k

The buyer nets 54k in equity while the flipper nets 13k The flipper flips 2 houses a year, thus netting 26k, not counting his mini expenses of Phone, faxes, and gas. We will ignore those.

In 1 yrs, he has 26kB
In 2 yrs, he has 52
In 3 yrs, he has 78k
In 4 yrs, he has 104
In 5 yrs, he has 130k

Now, let?s see what the other guy can net if he keeps his properties he finds.

He has escrow and perhaps transportation expenses and points to pay, so he has a true cost of perhaps 3k costs to add to his 130k purchase price, so he pays 133k.

HE immediately re-fi?s the property, getting a 90% ltv of value loan, or 180k loan [180k is 90% of 200k

he has cash out of [180-133k= 47k IF he puts tenants into the property, that is gravy

1st yr, 47k
2 yr, 47k
3 yr 47k
4th yr 47k
5th yr 47k
and he re-fi?s the first two props again and pulls out another 47k
he has 47x6= 282k
282k vs 130k and #2 buyer can re-fi every 3 yrs indefinitely for another 47k, tax free.

If he is smart, the 2nd buyer will buy biz?s or notes and NOT use his cash for more RE purchases. Why? Cause he can earn 25% on his cash from the RE while his RE loans only cost him 7% max!

WHEN I am told by flippers [even of commercial that they can make so much fast cash, I ask them how much cash they have after 1-2-3 years and none of them has a dime; My wife got sick, my kid needed braces, we went on a vacation.

So did the guy with the houses he kept. But he had those same expenses and still owns his houses.

IT is thus, a no brainer. BE a keeper, not a flipper. FLIPPERS are not only flipping houses, they are DONATING their profits to the buyers!

[if you want to talk about property management, we can talk about that separately as it is also a no brainer.