Saturday, March 31, 2007

We are an Electronic Society...

There is no doubt about it. We are an electronic society. From our cable television sets to our satellite radios, our cell phones to our beepers, our global positioning devices to our palm pilots, and of course the world wide web - we are a truly connected society.

There are opportunities for educational and interest driven activities all around us but no where are they more readily available than on the World Wide Web. I wonder if we parents are prepared for the global reach of these intrusions into our parenting practices?

Our children no longer depend solely on the advice of their closest friends. Friends that we as parents can get to know and trust as not more or less worldly than our own children. There is so much information available to our children today on the internet, in the privacy of our homes, that it is often easier for our children to look for answers to personal questions on the web than risk the inquiry and concerns of their parents.

Children today are tech savvy - so we parents had better be too! Often our children are independent on the computer before we are. Writing their own web pages, downloading their own pictures, getting into chat rooms and sometimes circumstances that their limited experience hasnot prepared them for, gleaning advice from young or uneducated individuals or people with different values than those of your family.

Of the many potential hazards on the internet faced by our children the sites with the biggest potential for causing the most iserious harm are the teen advice web sites. These kind of sites have the ability to give out incorrect information to a stunningly large number of individuals by posting questions and the answering reply right to their web page. Only one teenager need ask the question and many more will believe the answer, correct or not, because its written right there in front of them and they are often too afraid or too embarrassed to look for another opinion. These question and answer sites are most often presided over by young, inexperienced or barely experienced, teens. These teen "counselors" are typically ages 13 and up. They give free, solicited, advice on everything from health care, sex and birth control, mental emotional health concerns and legal issues. These sites rarely have adult preceptors. Most sites do have a disclaimer stating that they are not responsible, nor liable for your teens life or any further problems your teen may experience in relation to the advice given. Those simply worded disclaimers wonot protect your teenager from the potential harm of an often-misinformed "teen counselor" who dishes out incorrect and possibly dangerous information.

Anything your teen wants to know and may not want to ask you about is available on the internet. These teen advice sites cover just about every subject you can imagine and many you wouldnot want to. There are Pro-Anorexia. sites - dedicated to the encouragement of anorexic and bulimic behaviors. Sites specifically to give advice to young teens on methods of birth control (one of these I was presided over by a sexually active, 13 year old, girl). Gay, lesbian and straight sexuality sites. Sites for the practice of self-abuse and mutilation, Sites for finding ways to get high and more.

In reading some of these I was most amazed by the sheer volume of incorrect, often potentially life-threatening advice doled out by these "teen counselors." They covered such topics as how many additional birth control pills to take if your partner didnot use a condom. How to maintain a successful anorexic diet. The best way to purge and getting the cheapest high from everyday, household items. Do these internet isites serve a useful purpose? Yes, I think they can if they are catalysts for discussion between parents and their children. We have all read the flood of warnings about the internet hazards our children face, there seems to be a plethora of new ones daily, but these hazards can be educational tools as well. You can turn them into unique opportunities to increase our childrens knowledge and self-confidence. You can empower your children to find and make the right choices for themselves and to learn to trust their inner voices.

Give your children guidelines on what you find acceptable. If they want to explore something outside of those guidelines tell them it needs to be done with a parent so you are able to talk about any issues that arise. Teens want, need and deserve privacy and showing them where to get high quality, up to date information will help empower them to make safe choices.
Not all-teen sites should be grouped into one negative category. I found some high quality sites, for very young children up through the teen years, which offer complete, correct, and responsible information. Though no one site will match everybodys family values and preferences it may be a good idea for parents to search out isome of the sites they feel are best isuited to their own family and email or bookmark them for their children.

Here are a few sites to check out Kids Health, Everyday Illness and Injuries www.kidshealth.org

This is a great site for younger children to gain comforting information about common childhood questions, illnesses and injuries. Great basic information without the "fear-factor".
Cool Nurse is also (www.coolnurse.com) a great site with lots of high quality teen information! As a nurse myself I was gratified to see this site up. Its upbeat and packed with information that is up to date and complete on just about any topic a teen could wonder about. This comprehensive site is also written in a modern, straightforward, non-condescending style that all age groups will appreciate.

Teen Advice On-Line http://www.teenadviceonline.org This site has many articles with teen oriented topics. Seems conservative without preaching. Most of these counselors are 18 to 24 years in and they are from all over the globe.

About The Author
Angela Butera Dickson is a full service, freelance copywriter offering some of the best prices on the web. From articles to brochure copy, ghostwriting to marketing letters, she can help you cultivate a polished, professional business image. www.angeladickson.com
angela@angeladickson.com
Promgirl

Where I'm Doing Business:
http://homeincomeportal.com

Tuesday, March 27, 2007

RBC (Royal Bank) cares about their consumers...

I wanted to share this new link with you that RBC Royal Bank just launched. It is not just another website, it is a very useful tool.

This innovative new resource looks at the whole life event of moving. It addresses all the questions that are important to you when moving and provides holistic advice about everything from choosing a neighborhood to settling in a new home.

The Community Corner section allows people to compare cities or postal codes across Canada against 50 different comparison points, such as amenities, utilities, rental or mortgage costs, dwelling values, etc. Access to this kind of information is a great way to help you make better informed decisions and find the community that is best for you.

http://www.rbcroyalbank.com/findingyourhome/

ShopAtHome


Where I'm doing business:
http://homeincomeportal.com

Saturday, March 24, 2007

Totally Off Blog Topic........but it doesnt hurt to try...

Now, if you knew me in person, you'd probably know that I do believe in God and Jesus and the Holy Spirit. I may have questions about Religion in general (including my own) but I do believe there is a higher power - it's called FAITH and without - we wouldn't be able to survive.

I'm taking this time out of my regular posting schedule to ask anyone who reads this blog - regardless of where you live, what you do, who you are or whether or not you believe in God.

Regardless of your religion - I need to ask you to pray for my father. My dad is battling cancer and this week he took a turn for the worst. I figure if I can get enough people to pray for him, someone upstairs will hear about it and maybe help him out a bit.

Thanks for your time and God bless you if you're reading this and sending a prayer over to this side.

Amen

Friday, March 23, 2007

Wednesday, March 21, 2007

LUCKY 50 - or is 50 even a Lucky Number?

Well, I think it's a lucky number because a couple of months ago (50 days ago to be exact) I saw a website online that showed a MONEY counter in progress.

This was a money counter that was in real time, updated every minute, showing money being made by someone who left their computer on and running.

I did a little reading, some research, talked to a few "Brokers" and lo and behold, I found a program that uses average people like you and me to surf for them from anywhere in the world, to accumulate credits for them to advertise their business AND they pay $1.00 per credit!

You may be thinking, $1 per credit, that's crazy but it's not. From my research I found that each 1 of these credits brings 100 hits of traffic to their sites. Great for Advertisers yes, but how many Advertising companies do YOU know that have people sit at their PC and click on links to earn money for them? NONE. ZERO.

Well the founder of this program has discovered a way to MERGE many traffic and pay per click programs under 1 roof and all you have to do is follow some pretty basic instructions, JOIN 5 FREE PROGRAMS (Pay per click) and then insert this little program into a browser and turn it on.

This little baby runs 24/7 and can make - are you ready for this? can make $600/week!

So........being the money grabbing opportunist that I am....I followed the instructions, step by step and joined the programs and guess what?

I EARNED $687 in 5 weeks. Okay, remember now, I just tried this out - I didnt really put any effort into it - it's only been the last 3 weeks maybe that I've actually put some effort into it.

But nonetheless - I know - it's not MILLIONS, it may not sound like much - BUT WHAT WOULD YOU DO WITH AN EXTRA $600/month for doing NOTHING but leaving your computer on ?

No-Brainer.

Click here for Free Instructions and Let me know when you've made your first $1000.

I'll bet you.....it'll be in about 50 days.........



Where I'm Doing Business:
http://homeincomeportal.com

Monday, March 19, 2007

Motivation 101 From A to Z

Pain may sometimes be the reason why people change. Getting flunked grades make us realize that we need to study. Debts remind us of our inability to look for a source of income.

Being humiliated gives us the 'push' to speak up and fight for
ourselves to save our face from the next embarrassments. It may be a bitter experience, a friends tragic story, a great movie, or an inspiring book that will help us get up and get just the right amount of motivation we need in order to improve ourselves.

With the countless negativities the world brings about, how do we keep motivated? Try on the tips I prepared from A to Z

A - Achieve your dreams. Avoid negative people, things and places. Eleanor Roosevelt once said, "the future belongs to those who believe in the beauty of their dreams."

B - Believe in your self, and in what you can do.

C - Consider things on every angle and aspect. Motivation comes from determination. To be able to understand life, you should feel the sun from both sides.

D - Do not give up and do not give in. Thomas Edison failed once, twice, more than thrice before he came up with his invention and perfected the incandescent light bulb. Make motivation as your steering wheel.

E - Enjoy. Work as if you do not need money. Dance as if nobody's watching. Love as if you never cried. Learn as if you'll live forever. Motivation takes place when people are happy.

F - Family and Friends - are life's greatest 'F' treasures. Do not lose sight of them.

G - Give more than what is enough. Where does motivation and self improvement take place at work? At home? At school? When you exert extra effort in doing things.

H - Hang on to your dreams. They may dangle in there for a moment, but these little stars will be your driving force.

I - Ignore those who try to destroy you. Do not let other people to get the best of you. Stay out of toxic people - the kind of friends who hate to hear about your success.

J - Just be yourself. The key to success is to be yourself. And the key to failure is to try to please everyone.

K - keep trying no matter how hard life may seem. When a person is motivated, eventually he sees a harsh life finally clearing out, paving the way to self improvement.

L - Learn to love your self. This is harder than it looks but before you can love anyone else you have to love the person you see in the mirror everyday.

M - Make things happen. Motivation is when your dreams are put into work clothes.

N - Never lie, cheat or steal. Always play a fair game.

O - Open your eyes. People should learn the horse attitude and horse sense. They see things in 2 ways - how they want things to be, and how they should be.

P - Practice makes perfect. Practice is about motivation. It lets us learn repertoire and ways on how can we recover from our mistakes.

Q - Quitters never win. And winners never quit. So, choose your fate - are you going to be a quitter? Or a winner?

R - Ready yourself. Motivation is also about preparation. We must hear the little voice within us telling us to get started before others will get on their feet and try to push us around. Remember, it was not raining when Noah build the ark.

S - Stop procrastinating. Don't put off what you can do today, right now, at this moment.

T - Take control of your life. Discipline or self control jives synonymously with motivation. Both are key factors in self improvement.

U - Understand others. If you know very well how to talk, you should also learn how to listen. Yearn to understand first, and to be understood the second.

V - Visualize it. Motivation without vision is like a boat on a dry land.

W - Want it more than anything. Dreaming means believing. And to believe is something that is rooted out from the roots of motivation and self improvement.

X - X Factor is what will make you different from the others. When you are motivated, you tend to put on "extras" on your life like extra time for family, extra help at work, extra care for friends, and so on.

Y - You are unique. No one in this world looks, acts, or talks like you. Value your life and existence, because you're just going to spend it once.

Z - Zero in on your dreams and go for it!!!

Acacia Catalog


Where I'm doing business:
http://homeincomeportal.com

Friday, March 09, 2007

You or anyone you know getting MARRIED?

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Real Estate almost ALWAYS involves a MORTGAGE

Real estate loan: Understanding the concept Real estate loan is what a lot of people use to buy their home. Real estate loans have been instrumental in bringing joy to people by making that unaffordable house affordable.

Some real estate investors too make use of real estate loans for buying properties. However, real estate loan is not free money and anyone who buys real estate or plans to buy real estate using real estate loan must understand the concept of real estate loan very clearly.

Real estate loan (also known as mortgage) is the money that you borrow from someone (a financial institution i.e. a mortgage lender) for the purpose of buying a property. The real estate loan generally covers a part of your purchase price and the remaining portion has to be paid by you upfront i.e. as down payment. The amount (i.e. the percentage of total purchase price) that you have to pay as down payment is dependent on a number of factors and you can generally reduce it to even 5% by going for mortgage insurance. In the USA for example, the FHA and VA loans (i.e. mortgage insurances through FHA and VA) reduce the down payment requirement on real estate loan even further. In Canada, we have the CMHC which almost works in the same manner.

Whatever you borrow from the mortgage lender as real estate loan needs to be paid back to the mortgage lender over a period of time (and, of course, you will also need to pay appropriate interest on that real estate loan). The tenure of your real estate loan and the prevailing market rate will determine the amount of interest you pay for your real estate loan. Generally, you are required to pay back the real estate loan in the form of monthly instalments which are composed of both interest and principal portions of your real estate loan. Also, there are various types of real estate loans e.g. fixed interest rate loans and adjustable interest rate loans. So depending on what type of real estate loan you have gone for, your monthly payments might either remain constant (fixed rate) for the full tenure of the loan or keep getting adjusted periodically (adjustable rate) on the basis of a financial index.

Besides that, some other costs are also associated with real estate loans e.g. there are closing costs, inspection costs, attorney fee etc. Also, in case the property needs some repairs, there will be costs associated with that too. Again, there is stamp duty and other taxes that you need to pay. So, really, you need to understand the concept of real estate loans and the related costs clearly before you actually go for the real estate loan. And understanding these concepts is really not that tough.



Where I'm doing business:
http://homeincomeportal.com

Wednesday, March 07, 2007

You could invest in real estate because...

You could invest in real estate because you need a house for yourself (that house of your dreams that you so badly want).

You could use real estate as a means for supplementing your income either by buying at a lower price and selling at a higher price or by renting it out.

Sometimes you might buy a property for the purpose of resale but might want to wait for a few years before you actually sell it. In such a case, again it would make sense to rent out the property and earn some money till you actually decide to sell it off.

Whatever the reason, letting out real estate demands real estate management and real estate management is not an easy job for everyone. In fact, a lot of people find it is so much of a hassle that they prefer keeping their property vacant instead of letting it.

Real estate management demands time, which you will rarely have. Real estate management is not just about finding tenants and collecting rent from them. Real estate management is also about ensuring that you do all the duties that a landlord/landlady is required to do. Real estate management is about verifying the credentials of the tenants before you actually let out your property to them. Real estate management is about ensuring that all the paper work is complete and correct i.e. the tenancy agreement etc. are properly done. Real estate management also requires you to do repairs as and when required.


Real estate management activities also include maintenance, painting, polishing etc of the house when the tenants move out and before the new tenants get in. So, really, real estate management is not that easy a job for someone who is in a full time job.

However, there is a solution to this and that is hiring a real estate management firm to do all these activities on your behalf. Yes, this will mean that what you receive as an income by letting your property will be reduced (due to the commission fee charged by the real estate management firm). But that is just a small price for the convenience that a real estate management firm brings to you. However, its important that you choose the real estate management firm carefully. There are all kinds of real estate management firms out there (good and bad).

You must check the references of the real estate management firm before you actually hire them for the job. A good real estate management firm will not only keep your property occupied at all times but will also ensure that you always receive the rent in time and without any hassle.

Until tomorrow.......



Where I'm Doing Business:
JOIN FREE and Make Money

Monday, March 05, 2007

Looking for a Real Estate Investment

Uncovering the real estate for sale Real estate investments are often termed as low risk investments that can potentially yield good returns. A lot of people think that real estate is an easy business where you don't really need to do anything.

However, the truth is that real estate business does need you to put in some effort (if you really want to make profits out of it). The most important thing is to be able to uncover the real estate for sale that will yield profits. So how do you go looking for real estate for sale?

Generally, a lot of people start looking for 'real estate for sale' through the internet. And why not, internet is after all the hub of all information. So, you could look for real estate for sale using the search engines on the internet. You could also specify your requirements in search criteria on the real estate sites in order to get very specific results on real estate for sale. You can even view images and video of some of the properties thus reducing the need for personal visits for viewing. So, this is surely a good option for finding real estate for sale.

However, not everyone is tech-savvy and there are a lot of people who still take the approach of putting up an ad in the local newspapers. So look for real estate for sale in the local newspapers.

In fact, there are some newspapers that are dedicated to just that i.e. real estate for sale. You could even go ahead and put up a 'wanted' ad in these newspapers. Sometimes, looking up for real estate for sale in old newspapers (like 1-2 months old) can help you get a good deal (in case the property owner has not been able to sale the property and has become a bit more 'motivated' to sell it).

MLS i.e. multiple listing service is often termed as one the best ways to look for real estate for sale. These are published by the real estate boards. If you can lay your hands on a MLS book as soon as it is out, you can really expect to get good deals. The key is to act fast.

Open houses are another good way of getting the best out of time. You can get to see dozens of 'real estate for sale' properties in a very short period of time. And you never know when you might come across a property that is real gold.

Investor groups are yet another rich source of real estate for sale information.

Of course, how can we forget the real estate brokers? Real estate brokers are one the most popular (and sometimes most effective) information resource for real estate for sale. Not only do they provide information about 'real estate for sale' but also assist in getting the deal finalized and closed.

Besides that, you can also get very good deals through public auctions, bank foreclosures, FHA and VA foreclosures and distress sales.

Check back tomorrow when I'll discuss -
Looking to buy a home or a house (there's a difference!)


Where I'm doing business:
http://homeincomeportal.com

Thursday, March 01, 2007

PSP 3 No more waiting - it's HERE

Okay, I couldn't resist - IT'S HERE - no more WAITING, no more LISTS to add your name to, no more "we only have limited stock"........

WAL-MART HAS IT STOCKED, on their shelves and ready to go :)

Wal-Mart.com USA, LLC







Where I'm doing business:
http://homeincomeportal.com

Putting your House on the Market..." The Listing "

A listing contract is an agreement between you and a licensed real estate broker that authorizes the broker to represent you in the process of selling your home. There are several different types of listing contracts, but very few of them are used.

The most common one is the Exclusive Right to Sell Listings

The most popular type of listing with sellers and brokers, this contract gives the full right for your broker to do whatever it takes to sell your house. For obvious reasons, this is probably the type of contract where you can expect the most incentive from the agent - a good marketing effort can take place here, and the homeowner work is much reduced.


Other types of Listing Agreements

Open Listing

Considered the one most generally used, this type of contract is for people who are want to both sell their home and work with real estate agents. What the contract does is giving the right for agents to do showings of your home, and gives them an amount of commission if the client chose to buy your house. The good thing about open listing is that there are nothing exclusive or painfully bonding about them. The bad thing is that you can expect less marketing or advertising done.

One-Time Show

This type of listing contract is pretty much the same to open listing. Its generally used by people trying to sell their own home and involving an agent for the home showings. The listing contract identifies the potential buyer and guarantees the agent a commission if that buyer buys the home. Just like open listings, this type lacks of marketing efforts.

Exclusive Agency Listing

During your home selling, you will find that different types of listing contracts involve a lot of different people. This one involves a broker. Basically an exclusive agency listing will give you the right to sell your own home, without paying the broker any commission unless the house is sold through a licensed real estate professional. The reason why this type of listing contract is widely used is the temptation of not having to pay your broker. Of course, there are certain conditions where the Broker/Agent would NOT get paid under this contract, but those are far and few in between and solely based on the conditions being set BEFORE signing any listing contracts. These conditions would have to be discussed with your Agent PRIOR to signing any legal documentation.

Before you choose your contract, always make sure you know every type of listing contracts available to you. Take in mind how much effort you would like to contribute to the home selling - this is often what distinguishes the types. Discuss the possibilities and disadvantages of each type. Remember, a listing contract is your first legal step in selling your house - take that step carefully and do your homework.

Until tomorrow......."Looking for Real Estate Investments"



Where I'm doing business:
http://nehoma.com/livmic651