Understanding Baseball Speed Training: Part 2

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Opportunity Cost and Your Long Term Care Decision

If you are out shopping for long term care (commonly abbreviated as LTCI or LTC), I'm going to encourage you to take a look at a way of providing long term care benefits that is probably new to you. On the other hand, if you are in the crowd that thinks they will never need long term care, I would also suggest you evaluate this line of thinking.

Dick and Jane are both age 65, recently retired and models of good health. They have ignored the long term care subject until recently. They just put Jane's mother, who is 88, into a nursing home. Talk about sticker shock! She is in a nice place, but Dick and Jane are not 100% certain that her assets will allow her to stay there for the rest of her life.

Consequently, they have been out looking at long term care for themselves. They figure they can afford to insure a portion of what it might cost them if they ever need some form of LTCI, so they are looking at a benefit of $3,000 a month. The premium is around $4,200 a year.

Here's a new concept that Dick and Jane must become accustomed to now that they are retired. They both had good jobs during their working years. If they ever wanted to buy anything, it was just a question of looking at their income to see if they could swing the purchase. Pretty straightforward.

Now that they are retired, most of their expenditures are going to come from investment returns on the assets they have accumulated, not income from working. So they need to understand the difference between premium cost and opportunity cost. Here's what I mean?

If they elect to buy this $4,200 a year long term care policy, the money has to come from somewhere. Chances are it's coming from the interest earned on perhaps a CD or an annuity. But there is an opportunity cost associated with paying the premiums from earnings on any asset.

Let's say they are going to pay this $4,200 from the interest on a CD they own which is earning 5.4% interest. Since interest is taxable, and assuming they are in a 15% tax bracket, they would have to have $91,300 in that CD to produce $4,200 after tax to pay the premium.

They can't spend the $91,300. It can't grow. Basically, they have committed $91,300 of their assets to pay the premium on their LTC policy. That's the one job of this $91,300. The premium may only be $4,200 a year, but the opportunity cost is $91,300.

Let's take a look at another of their alternatives. It's called asset based long term care. How it works will unfold as I provide the example and contrast below.

One approach to asset based long term care involves re-positioning $91,300 of Dick and Jane's CD to a combination long term care/life insurance policy plan with an insurance company. Here's what moving this money does for them?

The money on deposit with the insurance company grows at interest, but it is tax-deferred interest so the insurance company will not send them 1099s every year for an amount they have to pay tax on like the bank is required to do. In 10 years, assuming current rates, the $91,300 will grow to $127,000; in 20 years $161,000. The CD, remember, does not grow, as its job is to spin off interest to pay the annual $4,200 premium on the traditional LTCI plan.

If either Dick or Jane needs any form of long term care, the insurance company plan will pay them $3,900 a month for 50 months--$900 a month more than the traditional plan.

But here's the real kicker.

If Dick and Jane never need long term care, then the camp that doesn't buy it would have been right. If Dick and Jane bought the traditional long term care plan, in 10 years they would have paid out $42,000 in premiums and about $7,400 in taxes on their CD interest in order to net out the required premium. That's a total of $49,700. The $91,300 portion of their CD would still be $91,300.

However, if Dick and Jane never need long term care, chose the asset based long term care plan and both die, for example in 10 years, the outcome is different. They have paid no annual premiums and the life insurance company will pay about $198,000 tax free to their kids.

Which sounds like a better plan?

Robert D. Cavanaugh, CLU is a 36-year financial and estate planning veteran and author of the free newsletter, The Estate Preservation Advisor. For cutting-edge, easy-to-understand financial planning resources and techniques to increase your income, reduce taxes and preserve your estate, go to http://theestatepreservationadvisor.com/freevideo.htm

An Overview Of Baby Monitors

Honey I?m Home!

The housing boom has been the main engine of America's economic growth in recent years. Indeed, it is the main reason why the American economy held up better than expected, after the Stock Market bubble burst at the start of the Millennium. Since 2000 the real wages of most American workers, measured in terms of disposable income, have barely budged, yet surging house prices have allowed consumers to keep spending - on credit.

Over the past five years, according to the National Association of Realtors, the cumulative total market value of American homes has increased by more than USD 9 trillion to reach a record-shattering USD 22 trillion. These gains have helped to offset both the slide in stock prices as well as the feeble wage growth. In real terms, home prices have risen at least three times as much as in any previous housing boom. Not too long ago, in the Fall of 2005 to be exact, appreciation of housing value was a hefty 15 percent annualized and most analysts thought that average prices were unlikely to fall across the nation.

Readers of my articles on Real Estate Economics know that I was one of the few lonely voices anticipating a drop in pricing levels and a slowdown in real capital appreciation which, far from being the beginning of the dreaded bubble burst that many were so fond of predicting, would have instead the beneficial effect of consolidating market wealth achieved thus far. Allowing the economy to get an even footing through a slowdown of real capital appreciation and, at the same time, allowing real wages to catch up - I reasoned - was exactly the tonic needed for a healthy foundation.

America's housing boom, though as impressive as it has been, looks far more modest than booms elsewhere. Since 2000, in fact, average selling prices in the United States and Canada have almost doubled but all this is dwarfed, for example, by the gain of almost 180 percent in Britain throughout the same period.

The real estate boom has lifted the economy in three major ways:

[ it has boosted residential construction and, as a direct and proximate result, it has benefited also all related fields such as banking, brokerage and insurance;

[ it has made people feel wealthier and has encouraged them to spend more;

[ it has allowed homeowners to use their real properties as a gigantic cash machine, taking out money by borrowing against their capital gains.

Merrill Lynch estimates that the three foregoing factors, taken together, accounted for more than half of America's GDP growth in 2005. Counting construction, banking and real estate agency firms, the housing boom has also been responsible for one-third of all jobs created since 2001.

Fuelling consumerism is both good and bad. Consumerism is good for the economy, as it promotes trade and the exchange of money. It is also bad, as it fuels inflation. Particularly when spurred by investment stimulated by a property boom, there is very little base to boost long-term growth. In the overall national flow of capital, expensive houses merely redistribute wealth to homeowners from non-homeowners. Worse still, exaggerated real capital appreciation and the rush on the part of everybody to invest so as not to miss the boat has diverted resources away from productive sectors, thereby causing households to save even less and thus exacerbating America' economic imbalances.

Additionally, too much consumerism is bad in trade and finance as it creates too much dependence on imports and thus generates large trade imbalances. The flip side of these imbalances has been a sharp rise in the net foreign liability position of the United States and a massive accumulation of foreign exchange reserves especially by Asian countries such as China and India. China has amassed reportedly more than USD 450 billion of reserves. India too has seen a marked rise in international reserves, to roughly USD 150 billion. Even more striking, as of the end of 2004, all of Asia (including Japan) had accumulated USD 2.1 trillion in foreign exchange reserves. Subtracting this quantity of dollars from the economic monetary cycles forces the U.S. Government to borrow more and the Federal Reserve System to print and lend more money, with the deleterious effect of diminishing the purchasing power by weakening the strength of the currency.

For all these reasons, therefore, it is sure better for Americans to start saving in the old-fashioned way, that is by spending less of their real income rather than relying on rising asset prices. This will lift inflationary pressure on prices and will help stabilize US monetary policy by allowing the Federal Reserve to slash interest rates. Which, in ultimate analysis, will not only save the economy from a recession, but will also contribute to the consolidation of real estate market wealth I was referring to a few months ago.

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.

The Evolution Of Video Game Characters

In the early days, and I mean the really early days of home video games, you had Pong: two bars, one square ball and that?s it. It was a very simple concept that anyone could literally figure out within seconds. Even more elementary than that was the fact that there were no characters, no plot, no storyline, no real purpose of the game, except to bump and bash that cubed ball back and forth. While Pong was a nice recreational distraction and diversion from the boredom of everyday life ? and back then, Pong was a big deal ? there was no real vested interest in the game once the video game system was shut off. That is to say, Pong was just a game. Nothing more, nothing less.

Fast forward to today, and video games are much more than simply something to play. They are now worlds with people and experiences that gamers get involved in and have serious personal stake in as well. Video game characters, especially, have evolved and grown over the years. While the erstwhile plumber was cute, he wasn?t really endearing. He didn?t say much, his emotions were limited and his experiences were fairly mundane. Heck, in his original solo adventure, he couldn?t even go too far backwards! He was simply the vehicle for which the video game player used to traverse the game.

Now, video game characters are people, with expressions and emotions. They have a history and a purpose. They have a back story, and they are vengeful. They have facial expressions that video game players can relate to. They aren?t just video game characters: they?re tragic heroes and misunderstood villains. They live and work in worlds that are at once foreign to us but recognizable too. Today?s video game characters speak to us, and for us. We want to hear what they say, and see how they act and react. They aren?t just computer generated characters by designers, they are actors, with a script to follow and a mystery to unravel.

The advancement and evolution of video game characters is to be expected, since video games themselves have advanced and evolved. In the old days, video games usually took place in a finite world ? that is to say that a video game player could sort of make out and define where and how the game would and should end. Because of that simplicity, it was easy to figure out what the character should do and be. Today?s video games, like the ones featured on the Xbox 360 or the Sony PSP, take place in immense worlds where a lot of random possibilities can occur. That requires the character in the video game to act and react in ways that we can?t really predict.

Also, today?s modern video game characters can be so likeable and interesting as well. With personalities, emotions and phrasing that can really make people laugh and take interest in the character. And, with cross-media branding being at the forefront of just about everything these days, you can bet that a popular video game with an exceptionally popular main character will be made into a movie, a comic-book or a TV show. While that?s great for media companies looking to make more than just a few extra dollars, it presents a real opportunity to flesh out and give the main character some more depth. Because while today?s video games are impressive in size and scope, they are still video games and they are still limited by its programming and design. But a movie or a TV program can really give new emotions to a character whom in some ways, already seems to be more than human.

About the Author:

Freddy Mason loves video games and it always looking for the deeper meaning in games (if one exists). Millennium3000 has deals on the Xbox 360 & the Sony PSP

Tips For A Successful Internet Business

Backgammon Supplies Do You Have What You Need?

The game of backgammon is one that will come as a set, usually not that expensive, but if you really want to enjoy the game of backgammon you will need backgammon supplies that are more to your personal liking, and more to fit your gaming needs.

Some of the various types of backgammon supplies out there include:

A flat surface - a table where you can enjoy the backgammon game without the interference of others. Some people enjoy a sturdy card table but there are many types of octagon tables, which make you feel as if you are really focused on the game, and that the backgammon game is the center of attention. The Internet is a great place to find your needs as to the above.

A board - while you can purchase the simple board game with complete supplies, customizing your experience is one well worthwhile. A large board one that shows points and rules, or such has become all the rage as backgammon players want to see more and experience more during their playing time.

Dice cups - you do have choices in the cups you use during your game. From dice cups that have the backgammon look, to the cups that are personalized or that have the unique feel and look of the casino, backgammon dice cups are a growing gift for gamers. Leather, plastic or glass cups are available for the backgammon dice throwers.

Backgammon checkers - the checkers or pieces that are used by those who love the game of backgammon can be large, small, glass, gold or colored. The world of backgammon is one that can personalized for your gaming experience and if you want to truly customize your backgammon game, find a type of backgammon checker that fits your own personality for a great time.

Dice - all types of dice are out in the world for backgammon use. From the casino style flashy dice, to the plastic, gold, weighted, or fancy dice you can choose from, there is sure to be a type of dice out there for everyone. Personalize your game of backgammon by using a dice that excites you and that makes you want to roll more often!

For all occasions, from birthdays to holidays, backgammon gifts, and accessories make wonderful gifts. Gifts for the gamer include all those that are listed above, but in addition, you might want to check out carrying case leather or hardbound for those special gifts you want to give. Backgammon games make a great gift for anyone because this is such a special game that everyone of all ages can play and have so much fun.

? backgammonholygrail.com
About the Author

Baseball Playoffs...Yankees and No Braves?

October is a beautiful month. The cool crisp days, the changing colors of the leaves, and for sports enthusiasts,...playoff baseball.

When it comes to the playoffs, you could usually count on two things, the Yankees and the Braves. Although neither team tends to stick around very long once the games begin, you could always count on both of these teams being there come playoff time. This year however there is a changing of the guard. When the games begin, the Atlanta Braves will be watching on the sidelines like the rest of us. No Ted Turner, no Tomahawk Chops to annoy you, and no early exit for the Braves in the first round of the playoffs. This is really a good thing.

For almost two decades now, Brave fans have watched their team tear through the regular season, running away with the divison, and winning about 12 titles in a row. This is quite a record and would no doubt stand up there with great sport achievements if it weren't for the fact that except for one year, the Braves have bombed out in the playoffs. Year in, year out, Brave baseball fans have watched their team lose in the early rounds of the playoffs, and have lived with the title of the 'Best Regular Season Team in Baseball'. Sadly, like the Vikings and Bills of the NFL, who each went to the Super Bown four times without a championship, the greatness of the achievements will be lost amidst the fact that when it came to the big dance, they couldn't get it done.

It's really hard for one to fathom how a team like the Braves with great talent year in and year out could not manage to win more than one championship during a long, long run. Even allowing for the unexpected 'hot team' to knock you out every once in a while, you would figure that you would have to win a few along the way. But one? It's one of those rare freak sports things like the National League beating the American Leauge in the All Star game 17 out of 18 games or something like that. The difference in talent between the leagues isn't that great to explain how something like that can occur. No, there's something going on here that defies explanation.

For many years, Red Sox fans lived with the 'Curse of the Bambino' in which they believed they would never win a championship because they traded away Babe Ruth to the dreaded Yankees. This 'curse' seemed all too real for Red Sox fans until finally in 2004 they came back from 3 games down to the Yankees and beat them 4 straight and went on to win the World Series. This turn of events put an end to 'the curse' forever. Cubs fans also feel cursed and for them it lives on. It again reared it's ugly head in the 2004 Playoff's when a fan in left field reached out and snatched a foul ball and possibly a trip to the series away from the Cubs. Wooh to that fan!

Whether there are some supernatural events going on here, or just bad.bad luck, it will be strange not seeing the Braves in the playoffs this year. But Brave fans need to look at it on the brightside; no agonizing this year about which upstart team will knock them out. No wondering whether they'll get through the first round. No, this year they'll be none of that. Now they can sit back with the rest of us and watch the best team money can buy make an early exit. Here's hoping.

About the Author

Bill Thomas lives and works in Seattle, Wa. He is actively engaged in E-Commerce and Internet Marketing. His current websites are--Create Lifetime Residual Income and Financial Freedom on $10 a Month

Finding a Realtor in Los Angeles

Selling your home can be daunting task. If you have ever sold your home before or you are trying to now, you are likely to understand the frustration and difficultly associated with doing so. To reduce that frustration, there are many individuals who seek professional assistance. If you live in or around the Los Angeles area, you can do so by finding a realtor in Los Angeles.

Finding a realtor in Los Angeles is a fairly easy task. Despite being easy, a small amount of time and research may be required. This time and research should be used to find the perfect realtor. The perfect realtor? Is there really such a thing? Yes, there is and finding him or her could determine whether or not the sale of your home will be successful.

If you are like many other Los Angeles residents, you may be wondering what makes one realtor better than another. There are many individuals who mistakenly believe that all realtors are the same. If you believe in this common misconception, you could be losing valuable money. That is why it is important to understand how many of the realtors in Los Angeles operate.

Realtors in Los Angeles have a number of different jobs. Some specialize in selling a home; however, others are considered duel agents. Duel agents assist homeowners in the selling of their home, but they also work with potential buyers. When you work with a real estate agent you should not have to pay them upfront. Their fee should be determined by the selling price of your home.

In the United States and in the Los Angeles area, there are a number of different fee choices. Almost all realtors charge commission. This commission is based on the sale of your home. In addition to commission based pay, there are other realtors who charge a flat fee. Your best bet in finding a realtor in Los Angeles is to determine which fee would best fit your needs and goals. Many homeowners prefer working with a commission based realtor; however, you are encouraged to make your own decision.

In addition to basing their fees on different structures, you will find that realtors in Los Angeles charge different amounts of money. When it comes to commission, each realtor in Los Angeles is likely to charge a different percentage. To retain a larger profit, you are encouraged to find a realtor that charges a low commission percentage. Rates can be found for as low as one percent in the Los Angeles area.

If you are interested in finding a realtor in Los Angeles, you can do so by using the internet or your local phone book. When you speak with a realtor, you are encouraged to ask them right away how they obtain their fees. This is an important factor when selecting a realtor to do business with. That is why it is important to know this important information before you make a final decision.

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

The hottest tip on getting a web site listed quickly by Yahoo Inktomi MSN FAST Altavista and Hot

Anne-Marie KillerEvery webmaster knows that the free search engines are a major source of traffic.

They also know that applying all the SEO techniques in the world will not in itself get their web pages spidered, indexed and listed. Yes, sure, a perfect page, once indexed and listed will surely rank high for its keywords but unless it is found by the spiders, it is pretty useless.

It is no secret that the process of a web page being found by the spiders can be helped by placing links to that web site on other web sites (e.g. by doing a links exchange with other web sites, by putting one's URL in one's signature file when posting on a forum, by writing and submitting articles for free distribution and placing one's URL in the author's resource block etc.) All of this will surely work but it can take months before anything happens. The webmaster has no option but to be patient and wait...and wait...and wait.

Now there is something very easy and very effective one can do to speed up this process. Actually, using this method, will get a web page indexed and listed in less than 48 hours. And the whole process is controlled by the webmaster. It is easy, fast in terms of setting it all up and what's more it is free!

Here is what one does:
Go to http://www.blogger.com and sign up for a new account (free - they even host the blog on their server at no cost)
Give your blog a name.
Navigate to 'Settings' and then choose 'Site Feed'
Check that the 'Publish Site Feed' option is set to 'Yes'
Copy the 'Site Feed URL' to the clip board (you can paste is some where .. you're going to use it when you've set up your my.yahoo account)
Save your changes
Navigate to 'Posting' and create your first entry.
What should you write? Anything, actually - your words do not make that much of a difference. what is important is that you add the URL of each page you want listed to the blog. Remember to add them as live links (to enable all the spiders to follow them!) As a suggestion, why not make your blog a log of this experiment?
Publish your blog by hitting the 'Publish' button.

Sorry, we're not done yet...

Now you have to go to http://www.yahoo.com and open a My Yahoo! account. Just follow Yahoo's very clear instructions.
Click on the 'Add Content' button.
Click the 'Add RSS by URL' link.
Paste the 'Site Feed URL' you've copied earlier in the 'URL' field and hit 'Add'.
You have just added your site's news feed to your My Yahoo! account.

Mmm, you don't know what a news feed is? I've written a document explaining it all. You can read it here: http://perfect-party-ideas.blogspot.com/2005/01/what-is-orange-xml-or-rss-icon-i-see.html

Last step: go to http://www.pingomatic.com
Enter your blog's name and URL (similar to mine: http://www.perfect-party-ideas.blogspot.com)
Select all the services to ping (of which My Yahoo! is one) and click the 'Submit Pings' button.
Navigate back to your My Yahoo! account and refresh your browser.
Scroll to the bottom of the page where you'll see your blog's feed appearing.

Your job is done - the spider bait is ready!

Now for a bit of excitement. Start watching your web site's stat's to see how quickly the spiders find their way to your web site. You could even throw a free stats counter on your blog and watch the spiders visiting your blog.

Next step: Play log-and-ping every day or so. More often if you have the time! Whenever you feel like it, add another posting to your blog. Remember to throw in some links to specific pages on your web site.

Let me know how successful you were - use my 'Contact Me' page on my web site.

About the author:

Anne-Marie Killer is a mother of two step teenagers and a toddler. She is the webmaster and owner of Perfect Party Ideas
Read her blog where she documents the process of setting up Perfect Party Ideas



Web-site designing Pillars (part2)Pavel LenshinWEB-SITE DESIGNING PILLIARS (part 2)

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copyright (c) Pavel Lenshin
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USABILITY

Usability is what makes your WS pleasant to deal with.
While everyone defines personally for her(him)self how to
make design nice to look at, memorable (in respect to
branding) and serve customer/business needs in the best way
possible, the technical side of usability can and should be
corrected using the standard requirements.

SOURCE CODE OPTIMIZATION

Firstly about the four problems that come to my mind with
dirty HTML source code:

1. Potential cross-browser conflicts as some particular
useless Tags (a piece of HTML source code) may be neglected
by one browser but create some visual errors, when viewed in
other browser.
2. The more useless HTML Tags web-page has, the more drive
space it occupies.
3. As the derivative of the previous problem, the more size
of that web-page, the longer it takes to visitor to load and
view it.
4. Search engines like plain and clear textual information
for easy search and scan. By having a lot of useless pieces
of HTML code, you prevent SE spiders to proper index your
web-pages. The result is the obvious decreasing of your
Search Engine rankings. That is why Meta Tags correcting is
not the only thing you should pay attention to.

Statistic shows that more then 85% of all WSs online demands
graphics or HTML code optimization. That is actually a
common problem, the core of which lies in the use of highly
popular home web editors like FrontPage or other.

The winner among the worst is well-known Netscape
Composer, due to the extremely dirty HTML code it
generates while editing old or creating new web-pages. If
you have ever used Composer and no one have cleaned those
web-pages afterwards, they definitely contain a lot of HTML
garbage.

Based on my own experience every 50Kb Netscape Composer's
web-page can be easily optimized to the 40Kb file size or
less, as a simple result of the deleting junk HTML tags. If
you implement Cascade Style Sheet and HTML compressor you
will get the same, but clean & shiny web-page totaling
25-30Kb (40-50% space savings) with the enhanced visual
effects.

The example above shows saving on a single web-page, but if
we speak in terms of 50-60 pages WS, that occupy (without
graphics) 3-5Mb of hard drive space, the potential savings
as a result of HTML optimization may reach 1-3Mb.
So if you are experiencing the lack of hard drive space with
your hosting provider, the solution to that problem lies in
simple WS optimization. It doesn't only save a lot of space,
but, as we know, eliminates potential cross-browser
mistakes, helps SE spiders to properly index your web-pages
and make your visitors' surfing more quick and smooth and
therefore pleasant.

GRAPHICS OPTIMIZATION

When we speak about poorly optimized graphics we get two
problems: more occupied space and worse load time. Given
that the first obstacle may be overcome by acquiring
personal server with several Gigabytes of hard drive space,
the letter problem will continue to exist as the majority of
web visitors have low speed dial-up connection.

To make your graphics optimized on the basic level, you
should save it in the proper graphic format. Many popular
pictures of eBook covers can be easily optimized simply by
re-saving .JPG format into .GIF or vice versa depending on
particular file. That tactic alone can bring 15Kb file to
occupy 7-10Kb in the matter of 2 min.

The basic math shows that 10 optimized pictures (without
HTML optimization) on a web-page are capable to decrease the
overall size of it from 120Kb to 70Kb with no visual loss in
the quality of picture. Are you aware of statistics how many
visitors leave your site just because they are tired to wait
until all pictures load? It doesn't mean that you have to
simply delete these pictures completely as some people
suggest, what it does mean is that they are better to be
optimized because in case with eBook covers, they proved to
triple selling potential and their absence will be hardly
compensated by new visitors.

To choose the right format, follow one simple rule:
If the target picture is more likely to be a photo, with
many colors, unshaped objects and different lights, this
file should be saved in .JPG format. If, on the contrary, a
picture is more likely to consists of a number of vector
objects like circles, triangles, squares, doesn't have too
many colors or similar to some drown comics, then .GIF
format is the best to use.

If it is hard to determine, then save it in both formats and
compare quality/size ratio. Not much work, big effect.

Having semi- or fully professional graphic editors will
allow you to get even better results by selecting
compression rate, smoothness, sharpness of edges if we
speak about .JPG format; or palette, colors, rate of
transparency, animation features etc. if we deal with .GIF
format.

Today's technological opportunities are vast, so it is you
to decide how deeply you want to dive in.

CROSS-BROWSER &
SCREEN RESOLUTION OPTIMIZATION

The numbers are the following:
- 2% have outdated 14'' with 640*480 pixels in width and
height respectively.
- 49% of web-surfers use 15 monitors with preferable
standard screen resolution of 800*600 pixels;
- 45% surf the web with 17 monitors with reasonable
1024*768 resolution;
- 4% of users enjoy 18-19 monitors with 1152*864-1280*1024
screen settings.

What should these numbers tell you? The very simple thing
if you created the WS on your 15 monitor, don't assume that
it will look as good on other monitors as on yours.

Let me draw several notes here about the tendency that
monitor market will follow in the nearest future.
First is that all 14 monitors are gradually going to their
deserved eternal rest. Even the share of notebooks with 15
TFT screens growing exponentially. There are even several
new versions with 16 active matrixes. Don't also forget
that notebooks' 14 TFT screen have almost the same diagonal
inches as usual 15 CRT (Cathode-ray tube) monitors.
Secondly, the number of 15 monitors is also decreasing, due
to growing number of 17 monitor owners that is the third
point.

One sentence conclusion of the above statistics is that your
WS should look fine, at least, under 800*600 and 1024*768
resolutions. This is a market demand to your WS and, as we
know, you better not joke with The Market.

Without going deep into theory, there are two ways:
- more simple;
- more complex.

Both correct, both satisfy the demand above but the letter
way, given it is more complex, usually perfectly fits any
screen resolution, whether it is 14 or 21 and more
favorable to WS space usage.

The easier way would be to make the borders of your web-page
(tables of your web-page) to be fixed with certain number of
pixels.
The most popular settings are something between 650 to 750
pixels just to fit that 800 pixels width screen under the
most popular 15 monitor 800*600 resolution. If you go that
way your web-page will have the same look under different
sets of resolutions.
If we try to see it at 14 monitor with 640 pixels in width,
the unpleasant horizontal scroller would appear because our
fixed setting in 700 pixels is wider then 640 and it just
won't fit in it. If, on the other hand, we look at our
imaginable site under 1152*864 or 1280*1024, it will look
too narrow, as it will occupy only 60% of the screen width
(our 700 in comparison to 1200 screen pixels width).
Why does this designing way simpler? You just won't have any
problems building it: no need for resolution or
cross-browser optimization, as fixed pixels are read
correctly under almost every browser.

The more complex way is to have width of one or several HTML
tables columns on your site to be set in percents like 75%
or 100% and, therefore, poses the ability to automatically
broaden or narrow according to the specified percents,
depending on what screen resolution the site is being viewed
under.
If you have 600*800 screen settings (the screen width is 600
pixels) and one of the table width of your site is set to
100%, then this particular table along with all included
text and graphic will narrow to 600 pixels, if we set the
monitor to 1200*1024 resolution, i.e. having 1200 pixels
wide, our site's table will stretch to the specified 100%,
in that case, 1200 pixels.
That's why it looks more attractive under different
resolutions but demands additional optimization, including
cross-browser optimization, as Netscape Navigator browser
has some problems with proper interpreting of percent
settings in multi column tables. Which way to choose depends
on the tasks and your preference.

I wish you endless creativity and no more then 70Kb per page

------------------------------------------------------------

About the author:

Pavel Lenshin is an Internet entrepreneur, web-developer and
marketer, founder of the entrepreneurship portal, where you
can find discounted Internet services, marketing solutions,
FREE ebooks, FREE reports and finally uncover innovative
business strategies through FREE NET Business Magazine.
Visit: http://asbone.com


Web-site designing Pillars (part1)Pavel LenshinWEB-SITE DESIGNING PILLIARS (part1)

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copyright (c) Pavel Lenshin
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It is a hot opinion that it's the words that sell, not a
design and that you should invest all your money into
writing a good sales copy and what is left (if anything)
into web-site. I can give you 99 out of 100 that authors of
these claims are copywriters, web-designers usually don't
write articles. It is like asking football player what game
he enjoys more: football or hockey? :0)

I don't want to argue that statement about the importance of
copywriting, on the contrary, I think that it is totally
true, but under one condition your Web-Site (WS hereafter)
is already implied to make your visitors feel, at least,
comfortable.

It could never be counted, how many times I closed down the
browser without reading a single word, just because of the
amateurish and clumsy look those WSs had.

No need to emphasize on importance of the professional WS.
It is obvious, at the same time you won't read there, that
web-design is everything and that professional sales letter
or text message is nothing, because it is like answering the
question what is better to have skin or heart cancer? To
my mind, it is better to be totally healthy.

Business WS usually plays the role of virtual office, shop,
informational dep., marketing dep. and service dep. It is a
main representative and the core of your business the
final proof, the image of your company is based on.

-----What it is all about-----

The target is set to make your WS as good as it can
possibly be. Here I pointed the crucial pillars of designing
a professional looking WS. You will not find there basic
HTML teaching or how to use particular web-editor. The
knowledge of HTML will help, but is not compulsory, as
WYSIWYG (What You See Is What You Get) editors will make all
HTML coding work ehind the scene for you.

You require general understanding of what HTML is and
ability to use one or several WYSIWYG web-editors, that is
three hour learning process. The feeling of style and taste
is also advisable; otherwise you will have to consult a
designer.

The problem with design How to.. is that WS design is 90%
creative work, where is no two identical WS (unless copied),
that is why there cannot be any step-by-step study, the same
way there is no step-by-step study on how to paint a
masterpiece paint.

What we can teach is how to hold a brush, but it is you,
who should paint Mona Lisa and become Leonardo da Vinci.

-----What your WS should look like?-----

+ Stylish. Consider it as an exterior and interior of your
whole off-line business premises, starting from hall
(main-index web-page) and ending with your personal office
(about me web-page). It has to have its unique feel and
style. Don't also forget about branding features your WS
represent.

+ Clear structure. Imagine a shopper who wants to make a
purchase at your offline store, but in order to enter it, he
has to go through warehouse, service department and all
kinds of office premises. Don't allow your web visitor feel
like that shopper.

+ Harmonically allocated design elements like graphics and
text. The WS is united entity and your brand. Every element
on the WS is to be blend with exterior, no separated
elements or graphics like a number of flashy banners.

+ High usability standards and complete WS optimization
including clear HTML code and optimized web graphics that
are similar to clear shop. The more dirt your web-pages
contains, the more time it will take to load them, the more
potential errors it may show in different browsers, and the
harder it will be for Search Engine spiders to index your
WS. We will discuss these issues later on.
Pay also attention to broken links, as it is similar to wall
behind the door of your off-line shop. Let your visitors
find good resources with your help, rather than an Error
404 Page not found.

+ Absence of grammatical errors. It concerns grammatical
correctness of textual information. The importance of
correct grammar is clear, no one wants to deal with
uneducated people, especially if they represent businesses.

-----What programs you will need-----

First of all you will need to equip yourself with right
armament, that are mostly WYSISWG (What You See Is What
You Get) web-editors. The download links and short
description you can find below:

Macromedia Dreamveawer -
http://www.macromedia.com/software/dreamweaver/ - considered
to be the best WYSIWYG HTML editor. Ideal for beginners as
well as professional users. Anything you can only imagine
has already been included :0) 30 days trial version.

EzyPage - http://www.ezyware.com/ - very simple drag&drop
web-page creator for beginners. Although it has several very
interesting features build in like dropdown menu or
scrolling table. Free distribution.

Stepzilla - http://www.stepzilla.com/ - the software's
motto - step by step to the web - tells everything for
itself.

1st page 2000 v.2 final - http://www.evrsoft.com/products/ -
very pleasant HTML editor for beginners as well as advanced
webmasters. Has ability to choose the interface that will be
more suitable. Available HTML cleaning option, XML
converter, build in FTP-client and preview function. A lot
of ready to use Javasript, VBScript, DHTML, Perl
applications. The software is being distributed for free.

Hot Dog Professional -
http://sausage.com/products/index.html - three HTML
editors - HotDog Junior for kids, PageWiz for beginners and
Professional ver.6 for advanced users. Convenient interface
with easy to access HTML functions. Includes CSS editor,
checker for tag errors and many others. All three editors
allow to download 30-days trial version.

CoffeCup HTML editors - http://www.coffeecup.com/software/ -
another offer with several versions of softwares for
beginners as well as advanced users. Pre-made JavaScript
applications libraries, Flash effects, font creator, HTML
code cleaner, FTP-client, and many more. Collection of
web-pictures, backgrounds, icons. Available 30-days trial
PRO or free version.

AceHTML 5.0 Pro - http://www.visicommedia.com/ -
professional HTML editor. DHTML ? JavaScript libraries.
Build in CSS editor, HTML, JavaScript, CSS checker, supports
XHTML, XML, Perl and WML documents. HTML code optimizer,
link checker. Available 30-days trial version.

-----PILLARS OF PROPER DESIGNING-----

TASKS DEFINING.

You next step after setting up the appropriate web-design
program is to set the list of tasks your site should solve.
You should answer the following questions:

1. Are your WS a sales letter or a content rich project?
Depending on your answer you have or don't have to pay
attention to the structure and flexibility of navigational
menu, as it may bring new challenges, as your content-rich
WS will grow. Consider to reserve WS space to future
informational blocks like announcements, exclusive offers,
visitors voting, polls, that you may like to include
sometime in future. Don't make the page layout look too
tight, as you will require redesigning the whole page just
to insert a small table for visitors' voting.

2. What kind of integrated services you are planning to use?
Whether it is going to be shopping cart, discussion board,
chat or separate section totally devoted to the WS
newsletter, it should fit overall site layout and design.
Think in prospective, as it will take several hours now, but
avoid several weeks of headache in the future. Make sure
that the foundation of your online empire will bear all
possible additional storeys, without need of demolishing the
whole uilding and strengthening the foundation.

3. What market sector your WS belongs to in general and what
product/service you are going to offer in particular? If
your WS is an entertainment portal, full of flash games,
casino offers and reviews of upcoming PC games, it is
obvious that design and layout plays extremely important
role as a representative of more than 50% of all
information. Be sure that boring graphics in that case would
cut the roots of your WS growth. If, on the other hand, you
are working at corporate business-to-business online sector
(B2B), there is absolutely no need in complex graphics
elements or flashy stars in the top-left corner. Online
businesses always experience lack of time, therefore, they
need quick answers of who you are, what you are and why are
you, rather than waiting till your welcome 300Kb flash clip
will load. The answer to efficient finding partners among
businesses is textual and to the point information that is
easy to access and that is, usually, represented in business
white-gray-black color scheme.

VISUALLY FINISHED.

Anybody can do that, although the broader imagination you
have, the simpler it will be. What you need is comfortable
seat, paper and a pen. Put your feet on the table, close
your eyes and imagine your WS.

Let me only tell you one of my favorite jokes concerning
technique mentioned above.

There was a group of foreign visitors coming to see a very
prosperous and profitable company.
At the end of their excursion one of the visitors asked
their guide:
You know, your company is really perfect, with the best
technology I've ever seen, everybody is working very hard,
but, tell me, who is that man in the biggest room on the top
floor doing nothing but relaxing on the soft armchair with
his feet crossed on the table, sipping Cola and listening to
music?
Oh, that man came up with the idea last year, that earned us
$1.000.000, and, as far as I remember, during that time he
was also sipping Cola with his feet on the table.

So follow this man and don't allow anybody disturb you
during this work!

Don't make any mistakes about it. You may be surprised, but
it is the most challenging and crucial part of your WS
creation. The brighter efforts you put into your paper, the
more beneficial result you will get. No need for degree in
painting, just basic elements on paper as a background of
your future WS building, the rest in mind.

Don't be afraid to experiment! It's a pleasant time spending
anyway. Remember all great works of all times are
considered to be masterpieces, only because they, firstly,
perfectly reflect the depth of their creators' souls and,
secondly, they are unique in their nature. There is no
masterpiece based on well-known standards. They are good in,
let's say, decreasing production costs, but they are not
welcomed in the art creation process, which the design
surely is.

On the other hand, you should always keep in mind that the
experiment ends exactly when the web-surfer disappointment
starts.

ELEMENTS.

The key point, while visualizing your full color WS, is to
decide what and where will you place 3 basic elements:
1. Header.
2. Navigational menu.
3. Space for main text.

The following list represents possible WS elements that you
consider to have as a result of previously conducted Task
Defining. Designer should also reserve a proper place and
harmonically blend them with the rest of WS elements:
1. Banner ads;
2. Menu mirror at the bottom;
3. Additional text for news column, announcements,
testimonials etc.;
4. Email forms, visitor polls, questionnaire etc.;
5. Any other items you consider to include.

It must be stressed that all the main elements of the WS as
well as any other WS items, which should be added at your
sole discretion ought to be put in mind while visualizing,
and therefore written down on paper to be sure there is no
forgotten element left behind. If it occurs at the next
stage you will have to start from the very beginning as
there is no way to move further. So don't quadruple your
work with your own hands. Make sure you have put every
present into the box you want to receive on Christmas. ;0)

WS STRUCTURE AND LAYOUT

Draw the scheme of your WS structure. How you are planning
to arrange, link and create logically relations between
sections or stand alone web-pages. It is easy to navigate
four-page sales letter WS, but everything changes when we
are exploring 100 spontaneously linked WS. It is easier to
get out of Sahara desert rather than to find what you need.

Your navigational structure could be linear or functional.
There are unlimited number of variations, just pay close
attention and follow one simple rule:
The more difficult for you to write a WS structure, the
more difficult it will be for potential user to navigate
it!

It doesn't depend on number of web pages rather then logical
sequence and connection of different parts or sections of
your site.

COLORS

I've also read numerous times, that Headlines is what the
visitor sees first, when comes to your site. Wrong! The
first thing a surfer sees on the WS, while it loads, is the
color and, sometimes, design appearance. Don't underestimate
the importance of color influence. With the help of color
play you can easily create a feeling of excitement or grief
even before s/he will see the first letter of your Headline.

One note should be also mentioned: try, if possible, to
avoid main colors green, red, yellow, blue. They are very
Day-Glo and very annoying while using them in the company
Logo sometimes considered to be enticing.

Don't use aggressive color scheme, make it to be polite
to your customer's perception. By doing so, you don't, at
least, make your visitor be irritated. Just experiment with
hues and brightness and you will get the color you need.
Follow this rule if you are not intend to sell clown noses
in the circus tent. :0)

Text color is also ought to match the background color.
Please, avoid red text on green color, dark blue on black
etc.

(to be continued...)
------------------------------------------------------------

About the author:

Pavel Lenshin is an Internet entrepreneur, web-developer and
marketer, founder of the entrepreneurship portal, where you
can find discounted Internet services, marketing solutions,
FREE ebooks, FREE reports and finally uncover innovative
business strategies through FREE NET Business Magazine.
Visit: http://asbone.com

Use Self Belief To Shape Your Own Destiny

Of all the things that go towards shaping our destiny, it is our belief in our own abilities which has the greatest influence. Our level of self belief determines whether we succeed or fail to achieve our dreams and ambitions. As Henry Ford said If you think you can, you're right. If you think you can't, you're right.



I was watching a program on the Biography Channel the other day which illustrated the truth of Henry Ford's words and highlighted the importance of self-belief. The subject of this program dropped out of the educational system without a degree, in fact, he quit school before he even reached college age and left school with woefully inadequate qualifications. The reason for this academic failure was a combination of dyslexia and general lack of interest in school work.



Sadly, the lack of academic achievement was accompanied by a complete lack of prowess on the sports field. To top it all off, as well as being a dunce and a sporting failure, the poor kid was not even good looking. He did not have rich parents to give him financial support . His parents were not business owners, so there was no chance of a career via nepotism. He had no obvious skills or talent, so a career as an artist or musician was not an option.



This sounded like the stereotypical beginning for a person who will at best survive by taking low-paid employment and, at worst, will drift into a life of crime as a way of snatching what he is incapable of earning. His school headmaster is credited with saying on his premature departure from the education system, ?I feel sure you will either end up in prison or become a millionaire'. To entertain the idea that this person had any prospect of becoming a millionaire, you would have to know his character. We can only see the external disadvantages, the headmaster was aware of the strength of character and depth of self belief existing within this person. That self-belief more than made up for any lack of education and academic qualifications.



One thing the prospective jailbird/millionaire had was the ability to spot a niche for a new business. No, this is not a story of luck bringing an instant rags to riches transformation. Unfortunately his first two business ventures failed miserably. Did this set him on a path of serial business failures? Not at all, the failures probably taught him valuable lessons. He started the first business at the age of seven, so the chances of real success were pretty remote! The fact that he had sufficient self-belief to start his first business before he even reached his teenage years gives us a clue as to his character.



The condensed version of the rest of this biography is that the hero of the story built a successful business before he reached his twenties, was a millionaire by the age of 25 and was the owner of a Caribbean island before he was thirty. He did not stop working then, he went on from flamboyant success to even bigger flamboyant success, setting records and achieving the apparently impossible.



The subject of the TV program was Sir Richard Branson who is, at the time of writing, a billionaire several times over. He has attributed his success to hard work, belief in his business ventures and a willingness to take risks. These risks have included the well publicised (and life threatening) hot-air balloon journeys, starting a business on borrowed capital and taking risks in business where the potential losses were huge.



It is self-belief which made it possible to take those risks. Without belief in himself, Richard Branson would not have dared to borrow the money to start his first business as a magazine publisher after leaving school. Without self-belief the balloon challenges would not have been contemplated. Without self-belief the ambition to own an airline would have remained just a dream.



It's lack of faith that makes people afraid of meeting challenges, and I believe in myself. Those words were said by Muhammad Ali but they sum up the essence of what makes any person able to reach his goals in life. We must learn to sow and cultivate self-belief if we wish to achieve the harvest of our dreams.







For more articles about self morivation in business visit Elaine Currie's Work At Home Directory For more about writing visit the Writing Tips website.

Summit County CO Real Estate Forum

Question: I want to buy a vacation-home and had been looking at properties along the coast. The hurricane situation there makes me very nervous. Do I have a good option in the mountains- specifically Colorado? Answer: As hurricane insurance makes coastal living more costly and as wealthy buyers look to resort communities for vacation-home purchases, pricey mountaintop developments are gaining popularity.

Ridge-top homes in the western North Carolina mountains are going for $225,000 to $1.5 million. There are dozens of such developments along the mountains of North Carolina. Among the largest is Wolf Laurel near Mars Hill, with over 600 of 1,000 planned homes completed so far.

The resort communities in Summit County, Vail and Aspen are very strong markets now. While communities in Phoenix, San Diego, Florida, Washington DC and Las Vegas are struggling following double digit inflation in the past decade, our mountain market remains extremely strong.

First-Time Buyers Are Picky, Picky, Picky

Question: I might just be picky, but I have delayed buying my first home because there are certain things that I want in a home that I just can?t afford right now. Do you have any comments? Question: High expectations might be playing a role in the slowing U.S. real estate market.

A national survey by Wells Fargo Home Mortgage shows many first-time home buyers are unwilling to compromise on certain key elements in the homes they buy and that could prolong the time they spend renting.

Among the renters surveyed who say they want to buy a home, four of every 10 are unwilling to buy a home that is smaller than they'd like or one needing significant improvements. Forty-six percent are unwilling to buy at a distance farther from work than they would like; and 70 percent are unwilling to move to a less-desirable neighborhood than they would ideally like.

Other key findings from the survey include:
?97 percent of first-time home buyers would never go back to renting.
?77 percent of first-time buyers believe buying their home is the best investment they ever made.
?Nearly 75 percent of first-time buyers believe that the value of their home will go up in 2006.
?78 percent of renters believe that it is generally true that people cannot obtain mortgages without perfect credit, and 52 percent of renters believe that they personally can't get a mortgage because of credit issues. But 46 percent of the first-time buyers surveyed didn't believe their credit was excellent or even very good.
?56 percent of renters believe that a downpayment of 15 percent or more is required when buying a home, and 55 percent believe that size of a downpayment is a personal barrier for them. But 74 percent of first-time buyers reported they put less than 15 percent down.

Split-Levels Are Here, There, and Everywhere

Question: Allison, I want to build a retirement home and my wife and I just can?t decide on a basic floor plan. We want to build in some resale value and think that our favorite split-level designs might be out of vogue. Do you have any information that would help us? Answer: According to an article in the Chicago Tribune, traditional split-level houses are out of style. In 2005, fewer than 1 percent of the more than 2 million houses constructed in the United States were split-levels, according to new housing data from the U.S. Census Bureau.

But don?t expect them to disappear anytime soon. They were built by the thousands between 1955 and 1975. The split-level's relatively efficient floor plan developed as `50s American families, who were filling little ranches with babies as fast as they could, started to feel crowded. The secret of it was, it gave them a family room in a minimum amount of footage, says housing-industry consultant Tracy Cross.

The design hasn?t disappeared altogether. The latest incarnation is a duplex split-level and they are not for the weak of limb.

You have a garage and a family room at grade, and a main level on the second floor, so you walk up seven risers to get in, then you enter the foyer and walk up another seven risers to your two bedrooms, or sometimes three, Cross says of the typical floor plan.

Then you walk down to the foyer again and then another seven risers down from there to grade level, which is your family room.

Makes a Baby Boomer?s knees hurt just thinking about it.

Calculators Measure Cost of Moving

Question: We?re going to be making a move for retirement and are looking for sources to determine the cost of living in different communities. Do you have any online resources? Answer: Moving to a city can be baffling. A cost-of-living calculator can take some of the mystery out of relocating.

Here are just a few: Bankrate.com?s Cost of Living Comparison Calculator. Select your current city, the city to which you?re moving, and current income. The calculator displays a range of relocation factors, including home prices. Homestore.com?s Salary Calculator. Calculates cost of living for hundreds of U.S. cities and the salary you?ll need to match your current situation. CityRating.com?s Cost of Living Comparison Calculator. Determines the cost of living in two different states based on your current income.

For answers to your real estate questions, call Allison at 970-468-6800 or 1-800-262-8442. Email - Info@SummitRealEstate.com or visit their web site at http://www.SummitRealEstate.com Allison and Joyce are both long time locals in Summit County. Summit Real Estate ? The Simson / Nenninger Team is located at the Dillon Ridge Marketplace. Their long-time residency and years of real estate experience can help you make the most of any buying or selling situation. Both are Certified Residential Specialists (CRS), the highest designation awarded to a Realtor in the residential sales field. Their philosophy is simple, whether buying or selling, they understand that the most important real estate transaction is yours.

Situational Spanish

Real Estate Design Website Content is King

Real estate design, website aesthetics and ease of use are three critical elements to having an effective online presence. For a Realtor, an effective real estate web design can quickly take your business to the next level.

Some Realtors forgo the use of a qualified web designer because they don't recognize the importance of using their web site as a marketing tool. Still, it's very possible to self design and build a website that ranks in the Top 3% of all websites on the Internet, even if you've never built a website before.

Given the competitiveness of the real estate sales industry, your real estate web site needs to be eye-catching, inviting, highly interactive and functional. When done right it will attract and keep customers at your web site.

The more content you provide, the more they will linger, which is exactly what you want them to do. When you give them what they want, which is great content, they'll eventually give you what you want; signing up for your newsletter, a listing, a phone call, an appointment to see a listing, etc.

Website Size Does Matter Many agents don't know it, but websites that dominate the Internet landscape often have hundreds, if not thousands, of pages. Optimally, each page has unique content and is like a separate doorway to the respective websites. The more pages the more doorways.

Now, compare that to some pre built web sites that come with 25-75 pages of content. Sure, they may look good and feature some valuable tips and information for home buyers, sellers, investors and renters. But don't stop there. While 75 pages or so sounds like a lot of content know that websites with way more content rule the roost.

Build It and They Will Come Your web site should include lots of relevant content to increase your chances of being found in the search engines. You should also name your pages in such a way that they are catchy and invite the clicks.

A well designed website can essentially become your personal virtual real estate marketer, providing useful consumer information while automatically gathering the names and email addresses of your site visitors. Coupled with an auto responder there's no limit to what you can accomplish with a good website.

Traditionally, real estate agents have farmed with letters, flyers and the like. Today's smart agents are farming with real estate lead generating websites.

Websites NEED pages; the more, the better. A website filled with keyword-filled, template style pages will not impress the search engines or your visitors. However, websites with pages of real content and relevant links to other sites will become a feeding ground for the search engines.

Slowly but steadily adding pages of real content will help your site attract the search engine spiders on a regular basis. This is the 'tortoise wins the race' philosophy to making friends with the search engines!

Summarily, good content for these pages is crucial. Your visitors may land on a page of your site that is not the main page. However, having information on every page that focuses attention on your main product or service will generate more interest and sales.

Visit Real Estate Marketing Talk for more information about Real Estate Website Design.

Teens Birthday Party

Houses in Amritsar malls at Ludhiana

The Chadha group, promoted by liquor baron Ponty Chadha, plans major expansion of real estate business across North India. The group plans to invest Rs 3,000 crore over the next two years to start a number of residential and commercial projects in various cities of Punjab, Uttar Pradesh and Uttaranchal.

Other than the Westend Estate project started in Mohali, the group is in the final stages of land acquisition for setting up a residential project in Amritsar. The group also plans to set up townships in Jalandhar and Ludhiana, besides establishing malls through a separate company -- AB Motions -- at Ludhiana and Mohali.

Mr Manpreet Singh Chadha, Director, said they shortly plan to start their projects in Indrapuram (National Capital Region), Dehra Dun, Meerut and Bareilly.

The group has already launched Westend Estate across 150 acres in Mohali, and 50 per cent of the residential sites (flats, plots, and villas) have already been sold out. Since we have hired sports legend, Mr Kapil Dev as the brand ambassador for our residential projects, we will be creating a lot of sports infrastructure in all our projects.

Fortynine per cent area, which is supposed to be left as greens, will be used for creating sporting facilities, he said, while adding that the real estate ventures will be funded through internal accruals and finances from financial institutions.

He said all projects of the Chadha Group would have facilities for entertainment, leisure, and other recreational activities. Additionally, it will also have schools, hospitals, power back up and adequate water supply.

The Rs 2,500-crore Chadha Group is a Delhi-based diversified business conglomerate with interests in real estate -- both residential and commercial.

For more information on Real Estate Agents, MLS visit Propertiesmls.com

Source: IndiaRealEstateblog
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And a Child Shall Lead Them

I wish I could recall where I read this story, but it has stuck in my heart these many weeks now. It is about two childhood friends, who erased the barriers of their religious faith with one giving to the other.

It goes something like this.

It was the Jewish Festival of Lights, Hanukah. Chanah and her Grandmother prepared the special treats and foods traditionally served during the holiday. Decorations carefully placed in traditional locations. Each piece would contribute their significance over the eight nights of Hanukah. It was a joyful time for the Jewish family.

Chanah decided to visit her friend, Maria, with a plate of treats she and her grandmother had made. When she entered her friend?s home, she was surprised to discover that there were no Christmas decorations, as was usual this time of the holiday season for her Christian friend.

Maria confided in Chanah that disaster had struck the family financially. This year a traditional Christmas would not be celebrated in Maria?s home.

Chanah went home and shared Maria?s story urging her family to make Christmas for Maria and her family. Together the family went shopping for gifts, decorations, and even traditional Christmas cookies and treats baked for the family.

Chanah?s family gathered the gifts, a Christmas tree to decorate, along with the food they prepared and made their way to Maria?s home. That evening the two families shared the experience of bringing together the significance of Hanukah and Christmas in true love and fellowship. They shared the gift of giving and receiving.

The truth of the matter is the little girls found more common ground than dissimilar. They were good friends and bonded by love. The differences in their faith minimized, by the similarity of love and charity. Chanah understood the depth of Maria?s sadness with a holiday seemingly blemished due to circumstances not under their control. What Chanah did was extend the joy of the Festival of Lights to brighten Maria?s Christmas celebration.

Two families loving the same Creator demonstrated their love for the Creator with different traditions. Chanah reached out beyond perceived barriers of difference to extend the message of her faith by giving.

It seems we are overwhelmed with the stories of rising animosity between religions and governments. We watch the struggles of families living under bullets and bombs cascading around them. Yet, among ordinary people of faith, from all descriptions, are those who listen within their heart to the Creator?s voice to spread love among the children of creation. It is true from the eyes of the Creator children include the adults.

Simplicity of sharing gifts of the holiday season is obvious if we observe the need manifesting itself in our corner or to the ends of the world. Who in our neighborhood or among family members could benefit from the extension of our ability to share a gift that keeps giving throughout the year.

Holidays can be isolating to many individuals. I applaud the efforts of church and service groups who take the time to prepare and host meals, gather food, toys, and clothing to distribute.

The story of Chanah and Maria bring to mind the family or individuals who may be facing a difficult time this year because of unexpected circumstances. Perhaps in the past they were the ones who gave of their resources, and find themselves in a position of need. They are quietly going through the holidays in silence.

In my own experience we, as a family went through one of our hardest Christmases during my husband?s hospitalization in his last stages of life. I cannot express to you the joy we experienced when hospital staff, friends, colleagues, and family supported us with their presence. We had a Christmas tree in his room. Word got around and everyone who visited brought an ornament to place on the tree.

My children were only nine and seven. The magic of Christmas seemed almost impossible to achieve with days at the hospital. Then my sister stepped in and our home was filled with decorations and a tree my children helped decorate. It became magic that year as we celebrated Christmas at home and at the hospital. It took the edge off of the pain we felt. Today I realize it helped us transition to the next year without his presence.

Like Chanah, we make a difference one person or family at a time. The person without family on Christmas Day sitting in the nursing home may need a visit. A student too far away from home could use a place to celebrate a new experience. The recent widow or widower alone for the first time may need an invitation to share the Holiday meal. Then there is the family who finds themselves unable to create their own magic for their children.

What we experience and share with our own family is the true spirit of the traditions and faith when giving to others. The real gifts of the season are those we give with the purpose of not expecting anything in return.

A child shall lead them?

?MCStrom 4/Dec/06 All Rights Reserved

Maralene Strom is a speaker and author who teaches on topics dealing with grief and recovery;Issues of living life 50 & Beyond; Caregiving in extended care facilities, home care, and special needs; Communicating with Empathy & Compassion. Her website features some of the topics she speaks on with information to connect with her for tele-classes, workshops or speaking to groups, conferences, etc.---- let her help you discover your life's meaning as you journey now and into your future. Visit http://AdventuresInLivingsite.com to receive her newsletter.

Overseas Property Investment This Area Continues To Soar In Value!

Do you want to invest in overseas property but are worried about the risk?

In that case, you will be interested in the region below where property speculators have been making solid gains of 30 ? 100% annually for several years and prices look set to move far higher.

The region is:

Central Pacific Coast Costa Rica.

Were not talking about an area that could take off but has taken off for overseas property investment.

More gains are coming and we will give you the reasons in a bit.

Lets look at the gains first at if you want a second home a villa a condo or a retirement home in the sun gains here are fantastic.

For instance buyers who purchased $30,000 of property in the town of popular town of Jaco, 15 years ago are now worth more than $750,000.

Another example of great gains can be seen are at Marriot Corporation Los Suenos Resort, they pre sold condos of 2000 square feet for $250,000. The following year they sold more at $350,000.

Now this years top end units are being sold at $450,000 to $850,000 and there is not enough supply to meet demand.

So why will this area make more gains?

There are several reasons:

1. It?s an established community with huge foreign investment and this inspires confidence for more people to come.

Its not an area that may take off it has and with all areas that do, property booms can last for decades and this one looks set to go a lot further.

2. The area has easy access from the airport, superb beaches and beautiful national parks and is an area with great scenery,surfing and fishing.

3. Facilities, infrastructure and property are of a very high standard in an area popular with both foreigners and locals, the proof of a boom area.

4. Costa Rica remains the premier destination for US and many foreign buyers.

While in a different country, the large expat community and the great facilities make it a place people feel at home in, despite being in a foreign country.

More gains coming

Now the above area is getting record investment and more people from overseas are coming and this means prices will continue to rise.

Not an area that may take off it has!

Unlike many central American countries it has a track record and the investment coming in reflects the appeal of Costa Rica and the preferred destination of the central pacific coast.

If you want a great area to purchase an overseas property in then Central Pacific cost Costa Rica offers you a solid investment and a great location

More FREE info

On investing in property and land in the area outlined above and suburb beach front plots with great capital appreciation potential then visit: http://www.costaricalandlots.com

Getting The Most Out Of Your Investments

Money can be easily found, and then lost, in Las Vegas. The place is not called the ?gambling capital? of the United States for nothing, so you should be very careful with your money when investing in Las Vegas. Setting up investments in Las Vegas is not like gambling, where you rely on chance to win. In fact, professional gamblers don?t rely on luck to win, so you should never rely on luck. This is especially true if you are investing into stocks and bonds in Las Vegas.

When investing in stocks and bonds in Las Vegas, always remember that you would be better off with an agent or a broker. There are many things that you should watch for when making investments in stocks and bonds. You should never make the mistake of thinking that investing in stocks and bonds is just as easy as going to a restaurant and buying your favorite food. Buying stocks and bonds requires specialized knowledge, which a broker or an agent could very well provide to you. For instance, high yielding stocks and bonds entail the highest risk. If you were not aware that high yielding bonds and stocks involve great risk, you would probably go for them and put most if not all of your money into them. Consequently, if the investment failed, you would end up losing most of your hard earned money. On the other hand, a good broker or agent knows the odds. So he or she would probably advise you to only put money that you can afford to lose, into high yielding stocks and bonds that involve great risk. Having an agent or broker to assist you will prevent you from losing large amounts on your investments.

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Metal Building Manufacturers

There are so many metal building manufacturers, and it can be time consuming settling on the company whose products and services best meet your needs. Metal buildings offer a wonderful alternative to the more traditional style of building and can also help you save money. Here is some advice on how to narrow down the list of metal building manufacturers to find the one that best meets your needs.

First, decide which type of metal building you need. Is it for residential or commercial use? Will you need storage? Does it need to be portable? Are you interested in using a kit? Make a list of questions and criteria that are important to you and then select a list of metal building manufacturers to contact.

Once you figure out which metal buildings are right for you, you will next need to consider your budget. Do you have enough money in your budget to fund your project? If not, contact your financial advisor to work through your options. Metal building manufacturers? prices vary, so you can save money by doing adequate research.

Next, you?ll need to decide who is going to perform the actual construction. If it is a smaller structure, such as a shed, and you have the skills, you may want to consider putting the structure together yourself. However, keep in mind that if something goes wrong, contacting the company to help resolve any problems that occurred because you lacked an essential skill can cost you more money. Hiring an expert is a great option if you lack the time and skills to complete the project. They can often finish the project in a much smaller time frame than if you did it yourself

After initial construction, check the structure for any problems and areas of damage. If you find anything questionable, contact the company immediately to increase your chances of getting a refund or to resolve the problem quickly. However, metal buildings are extremely sturdy so the likelihood of having major problems should be small.

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

Do You Understand Real Estate Loan Formulas?

What the real estate loan formula really involves?

All loans are based on a mathematical formula that determines how much you are going to pay. There are five crucial loan variables including: term, interest rate, principal, final value and payment. These are also the five most important terms you need to know before you apply for any loan.

All of them are interconnected and changing any one of them is likely to change the others, though oftentimes not quite as you would predict. There are some rules of thumb about that, but better not rely on them too much. Before you even start thinking about any specific real estate loan you should spend some time learning the variables with a financial calculator.

Term: it is the period used to calculate the loan payment, often the same as the maturity, ie. the time when the last installment is due. Keep in mind though, that in cases the loan maturity is much shorter than the loans term (for example: balloon mortgages). The standard term for a real estate mortgage is 30 years, though in case of amortized loans you can choose a period from 10 to 40 years. Generally the longer the term, the lower the monthly installment, though the change is much smaller than you might expect.

Interest rate: is the amount of money charged by the loan creditor for lending you the money. It is usually a percentage of the sum you borrow. The rate is charged every payment term, but it is customarily quoted on an annual basis. A 6% interest rate is customarily, 12 multiplied by 0.5% (in case of monthly payments). The lower interest rate, the less you have to pay. The effect is greater in case of long-term loans.

Principal: this term can mean either (1) the portion of the installment that is used to reduce the balance or (2) the total amount of money being financed. Generally, the principal (1) should be higher than the interest rate, otherwise you will suffer from negative amortization (your debt will grow even though you pay the installment). The higher the principal (1) is the less is the final value.

Final value: this is the total sum you pay for the loan (all installments plus all additional fees). The final value at the end of the mortgage should usually be zero, meaning that the debt has been paid in full. Keep in mind that the lower final value you want to get, the higher installments you will have to pay.

Payment: your monthly (rarely quarterly) amount due. This important variable determines whether you can ultimately afford a loan or not.

A word of warning: while it is relatively easy to run the formula on a financial calculator, it is very difficult to do that on paper, even if you were good at Math in the college. An online financial calculator is much faster and doesn't make mistakes.

Remember, when you choose a real estate loan for yourself, you have to know all five variables ? only then will you be able to determine what you can actually purchase. Oftentimes it is actually better to go for higher monthly payment if it means lower final value. On the other hand, you might want to stretch your loan (longer term and higher final value) to get more money for a low installment... The number of possibilities are immense, but you have to know what they really are if you are going to profit from them.

Good luck with your real estate ventures.

J. Kane is a Webmaster and publisher for 1st-Real-Estate.com. For more information on real estate financing, visit http://www.1st-real-estate.com/financing.htm

North Cyprus: The Last Mediterranean Property Investment Hotspot

If only I'd had the foresight to buy an investment property in Spain, the South of France, Tuscany or in Malta twenty years ago when property prices were so cheap because the desirability of the destination had yet to enjoy exposure...if only...

Many people believe that the world's most beautiful locations are the countries in and around the Mediterranean Sea - think Spain, Malta, Turkey, Egypt, Sardinia, Italy, Morocco and Tunisia. All are nations synonymous with a fantastic climate, a wonderful quality of life, excellent cuisine, friendly and laid back people...naturally enough the Mediterranean countries are the most popular with those looking for a sun drenched holiday, a beautiful place to retire to or the perfect place to buy a property that will go up in value, be easy to rent and easy to resell. But many have already missed the affordability boat.

Properties on the most popular islands in the Mediterranean Sea and in the most desirable locations start from a quarter of a million pounds and go up to tens of millions. So the average property investor, second home seeker or retiree looking for an affordable place in the sun is going to be sadly disappointed then?

That is unless they discover the secret delights of Northern Cyprus?

North Cyprus is the secret and undiscovered third of the island of Cyprus that has been left untouched, unspoiled and unsullied by the greed of the 1970s and 1980s, it has escaped the overdevelopment and mass tourism of the 1990s and it has emerged in the new Millennium as a gem in an otherwise saturated, over priced market.

Properties in Northern Cyprus start from just GBP 60,000 for a duplex apartment in a resort on a championship golf course! North Cyprus truly is the very last Mediterranean property investment hotspot and it will not remain undiscovered for long. While the government are committed to preserving the beauty and culture of the island and determined to prevent it being overdeveloped and sullied, the properties that are being built sympathetically are catching the eye of international property investors, retirees, second homers and those looking to afford to start a brand new and exciting life in the sun.

The number of visitors coming to Cyprus is increasing rapidly; large international developers are discussing many projects from seven star hotels and luxurious resorts to more golf courses, marinas and even a furthering of the higher education establishments that North Cyprus is already famous for. Demand for property for sale and rent is coming from the large student base but more importantly it is coming from retiring Europeans, young families and couples, holiday makers, those needing a second home and even corporate investors.

Northern Cyprus property will not remain so affordable for so long - firstly the demand for property for sale is outstripping current supply and builders cannot keep up with demand, secondly prices are already increasing and finance is being made available privately broadening the numbers of those who will be able to enter the market. As demand soars and supply remains steady and restricted by the government's high standards, prices are rising and are going to keep on rising...making North Cyprus's property market one of the hottest in the world.If only I'd had the foresight to buy an investment property in Spain, the South of France, Tuscany or in Malta twenty years ago when property prices were so cheap because the desirability of the destination had yet to enjoy exposure...if only...

Many people believe that the world's most beautiful locations are the countries in and around the Mediterranean Sea - think Spain, Malta, Turkey, Egypt, Sardinia, Italy, Morocco and Tunisia. All are nations synonymous with a fantastic climate, a wonderful quality of life, excellent cuisine, friendly and laid back people...naturally enough the Mediterranean countries are the most popular with those looking for a sun drenched holiday, a beautiful place to retire to or the perfect place to buy a property that will go up in value, be easy to rent and easy to resell. But many have already missed the affordability boat.

Properties on the most popular islands in the Mediterranean Sea and in the most desirable locations start from a quarter of a million pounds and go up to tens of millions. So the average property investor, second home seeker or retiree looking for an affordable place in the sun is going to be sadly disappointed then?

That is unless they discover the secret delights of Northern Cyprus?

North Cyprus is the secret and undiscovered third of the island of Cyprus that has been left untouched, unspoiled and unsullied by the greed of the 1970s and 1980s, it has escaped the overdevelopment and mass tourism of the 1990s and it has emerged in the new Millennium as a gem in an otherwise saturated, over priced market.

Properties in Northern Cyprus start from just GBP 60,000 for a duplex apartment in a resort on a championship golf course! North Cyprus truly is the very last Mediterranean property investment hotspot and it will not remain undiscovered for long. While the government are committed to preserving the beauty and culture of the island and determined to prevent it being overdeveloped and sullied, the properties that are being built sympathetically are catching the eye of international property investors, retirees, second homers and those looking to afford to start a brand new and exciting life in the sun.

The number of visitors coming to Cyprus is increasing rapidly; large international developers are discussing many projects from seven star hotels and luxurious resorts to more golf courses, marinas and even a furthering of the higher education establishments that North Cyprus is already famous for. Demand for property for sale and rent is coming from the large student base but more importantly it is coming from retiring Europeans, young families and couples, holiday makers, those needing a second home and even corporate investors.

Northern Cyprus property will not remain so affordable for so long - firstly the demand for property for sale is outstripping current supply and builders cannot keep up with demand, secondly prices are already increasing and finance is being made available privately broadening the numbers of those who will be able to enter the market. As demand soars and supply remains steady and restricted by the government's high standards, prices are rising and are going to keep on rising...making North Cyprus's property market one of the hottest in the world.

Rhiannon Williamson writes about real estate investment in emerging markets worldwide and highlights property investment hotspots. To learn more about property for sale in North Cyprus click here.

Stop Dreaming and Sell Your House Now

Any home will sell, given enough time. How much time do you have?

One of the most frustrating things about selling a home, condo, townhouse during a slow market is trying to price it so that it sells in the amount of time the owner wants to sell it in.

You don?t want price your property so high that it doesn?t sell.

Of course you don?t want to price it so low that you unknowingly give money away to your buyer.

This is a fine line that a property seller ends up walking.

Here is what I suggest a home seller do to find the best sales price for their home given the amount of time that they have to sell:

?Get Three CMA?s:

Call three real estate agents that have at least two years of real estate sales experience. Tell them you are thinking of selling your property and want to get a CMA (CMA: Comparative Market Analysis). A CMA will be a written estimate of the value of your property based on recently sold properties that are similar to yours. Be sure and let the agents know that you are talking to other real estate agents.

Between the three values you should be able to get a fairly good idea of what your home might sell for.

Heads Up:
There may be other homes in your neighbor that are for sale. Don?t confuse their asking prices for actual home values. Home sellers can ask any price for their home. Values are figured strictly by what similar homes have sold for.

Heads Up:
It is fairly likely that one of the agents may have set the CMA value considerably higher than the other two. This may be due to negligence on their part, but it is more likely that they are ?buying the listing?. They set the CMA price high in an effort to get you to list with them. Later they will pressure you to lower your price to where it should have been in the first place. Of course by now they have wasted your time while you waited for your over-priced home to sell. I have seen this over and over again. This is a common ploy. Don?t get taken by this deception.

?How long will it take to sell?

When you have figured out what seems to be a good asking price for your home, you will have a good idea which agent you would like to use to help get your home sold.

Ask your agent how long other homes like yours have taken to sell. Let?s imagine that the average ?days on the market? (Days on the market: number of days a home takes to sell after it is put up for sale) is 120 days. If you are not in a hurry this may sound just right to you.

What if you need or want to sell faster than our 120 day example? Let?s say you have a new job that starts in 90 days in a new city. It usually takes 30 days to ?close the sale? (close the sale: sign the final documents transferring title to the buyer), after your home ?goes under contract? (goes under contract: you have a buyer that wants to buy, has signed a sales contract with you, and is in the process of getting a loan). You realize that you need to find your buyer in no more than 60 days after you put it up for sale.

You are going to have to ask your agent to give you an idea of where to price your home so that it sells (goes under contract) in 90 days. Hopefully they can come up with a fairly good idea of the 90 day sales price.

What I might do, if I were your agent, is to figure out what the highest selling price you could ask, so that you could sell your home in one day. Then figure out the seven days selling price, a 30 days selling price, and then a 90 days selling price.

For example:

?Let?s say the 120 day sales price for your home is $275,000.

?Then given one day to sell your home, you might be able to get $200,000 (30% below market value).

?Given a week you could probably sell your home for $225,000 (20% below market value).

?30 days sales price: $240,000 (15% below market).

?And finally, 60 days sales price: $255,000 (8% below market value).

?Priced at $255,000, your home will look like a bargain to a home buyer, and you are more likely to get a faster sale.

In a slow market you have to be willing to lower your asking price, maybe more than once in order to get your home sold in a timely manner. Be prepared mentally for this possibility and your home selling process will be smoother and faster.

Don Glasgow is a real estate agent in St. George, Utah. Don has been helping home sellers and homebuyers since 1999. Please visit his website to learn more: http://www.stgeorge-MLS.com , http://www.stgeorge-mls.com/FinancialPeaceofMindArticles.html , http://www.stgeorge-mls.com/foreclosures.html