A Different Type of Real Estate Investment

Real Estate seems to be on everybody?s mind these days. Especially in California, everybody you meet and half of your phone calls involve people trying to get you involved in real estate and refinancing. The problem with this is that the bubble has burst. Nobody wants to pay these ridiculous prices for homes anymore. The best way to invest in real estate involves land, and just land. Unlike the flooded real estate market, only a few people know how to correctly invest in land. For one thing, prices for vacant land are low. However, the price for vacant land in developing communities goes up; this is the key to making money though land investment. There has recently been a large surge in demand for land.

Over many years, real estate was the big deal. People only know about condos and houses. In California, the bubble is getting especially big as it's becoming a buyers market and internet rates are going up, as well as lowering house prices. California is proving to not be as good an investment as it was thought of before, yet there are still communities you can invest in and develop in other states.

Many people don?t invest in land. However, prices have been going up. People have started to invest due in part to affordable prices, easy selling ability and the surge in prices of land in booming communities.

Another benefit is that you most likely will not need a mortgage payment for investing in land; especially if you are just starting out. You will not need insurance, as well, until you start development.

Land is a finite commodity. People can keep building houses taller and taller, yet there is only so much land in the world. It makes sense to make use of it!

Business Link- Buy Land and Lots at Low Prices- Silver Discount Properties

Buying Overseas Vacation Homes ? The First Question You Should Ask Yourself

Before you buy any overseas vacation home you need to ask yourself one important question before you begin and fact is many people do not and end up dissapointed. So here it is..

Do you want to immerse yourself in the local culture or do you want to have the comforts of home?

Keep in mind when you go on holiday to a destination living in a hotel is totally different to living in the wider community.

Many people don?t consider this question when they buy an overseas vacation home and end up getting a different lifestyle to what they anticipated and end up disappointed.

The local Culture

There are many new areas where you can buy overseas investment vacation homes and their cheap.

They don?t have well established foreign communities and this means that many of the comforts buyers expect are not available.

In Latin America for example Belize, Nicaragua, Honduras and the Dominican Republic are emerging. In Europe, Romania has been touted as the destination of the future.

But try these destinations and you may have a culture shock.

Street children, crime, you can?t drink the water, roads and communications that are poor and there is little to do apart from admire the scenery.

Buying Established destinations

When buying an overseas vacation home part of the fun is having access to a different culture but most people want the comforts of home as well.

They want high quality entertainment, good facilities and shops their familiar with to name but a few.

Buying an overseas vacation home in one of these established destinations gives you the best of both worlds.

For North Americans the lifestyle they can associate with most is in Panama and Costa Rica with the latter being a huge favourite. In Europe established destinations include Spain and Cyprus.

You get what you pay for

When buying an overseas vacation home in these areas you get what you pay for ( although its still normally far cheaper than buying at home ) and although you pay a bit more the growth potential ( if you are looking for a return on your investment ) is normally much better in terms of risk ? reward, than an un proven emerging destination

Your preference

Of course, there are many people who buy an overseas vacation home and enjoy immersing themselves in the local culture, but most people want both comforts of home and the local culture.

If you want both look for established destinations that have large and growing foreign communities that bring the comforts of home with them.

Don?t worry, these places tend to have great risk to reward in terms of capital growth for investment simply because they are in high demand.

Keep in mind the majority of new hot spots fail becuase they cannot attract significant numbers of foreign investors to make the ammenities attractive enough for significant numbers to follow and prices tend to dive.

A good time in a hotel is not the same!

As living in the country you have been to!

If you are buying an overseas vacation home keep this in mind and before you live their.

Try living outside of a hotel in the local area to get a feel for whether you will enjoy the lifestyle or not.

One of the most popular destinations for Americans and Europeans is Costa Rica an established destination with great comforts and lifestlye but also the opportunity to make significant capital gains as well. Take a look at the facts and you will see why it is so popular.

FREE REPORT

On living and in this paradise location as well as all the facts you need to make an informed judgement as well as the opportunity to enter a FREE prize draw and see the country for yourself visit: http://www.net-planet.org/costarica.php

Cabo San Lucas Real Estate Your Questions Answered Part 1

Want your Tequila Straight Up Or...'Mas Suave' - A No BS article by David Mandich - Baja California Real Estate and Consulting Advisor

Cabo San Lucas, being only two beers away by plane from Southern California, is fast replacing Hawaii as the preferred quick-trip exotic vacation and 2nd home buying destination for many Americans. Almost three million tourists travel to Baja California Sur each year visiting its towns, bays, beaches, islands and golf courses for an average stay of 3.5 days.

Some, like me, come for a visit and never go back. Some stay for a week and return to the States with a stuffed marlin, condo, dental make-over or breast implants. Makeovers are big here - from cosmetic dental and plastic surgery to lifestyles. It's all about feeling, and being young again. With the Nikki-Beach Club in Cabo to any of the surf, golf, fishing or gentlemen's clubs that abound,Los Cabos is sure to put some life back in your life style.

International Bi-lingual schools for children through high school are available in Cabo and San Jose. And the tuition is ridiculously inexpensive. Maybe $300 a year. More folks should consider bringing the little ones to live here. Its safer than the big cities back in the States, the school kids respect their teachers, and there's a lot of desert and water oriented fun things to do close at hand.

So how do you make it happen? How do you find the right building lot, condo or that dream house overlooking the sea? Where does one find the perfect casa for one's lifestyle, and - per many peoples criteria - a casa that makes for a sound investment? Do you look in Cabo? San Jose del Cabo? The mysterious East Cape? The artists' colony of Todos Santos? Or perhaps someplace in between?

Let's Start With Cabo San Lucas Proper Cabo San Lucas is the main tourist destination for people visiting the Los Cabos area for the first time. It sits on Cabo San Lucas Bay which is flanked on the west by a series of monumental rock formations known as Land's End. This outcropping of land is the end of the nearly one thousand mile Baja California Peninsula where the Pacific Ocean meets the Sea of Cortez.

The water and air temperatures can be 20 degrees cooler a few hundred feet on either side of the tip. On the inside one can snorkel in crystal clear warm waters swarming with colorful tropical fish around underwater pinnacles off the cove known as Lover's Beach. The fish there will literally eat out of your hand as they've all heard the place is a game sanctuary. This is what all the tourist brochures say. But the reality is that all the friggin' fish in the Sea of Cortez will eat out of your hand any day of the week if you've got bread, tortillas or fish entrails in your hand!

You can find crystal clear water for snorkeling for the next 900 miles beginning in Cabo and going on up the inside of the Sea of Cortez. If your fantasy place in the sun involves water sports - start in Cabo, head East and then North until you find your slice of paradise. And you can surf and wind surf all the way around the East Cape.

The Pacific Ocean side of the peninsula is generally rougher, cooler in the summer (nice), and compared to the Sea of Cortez - underwater visibility for divers is much less. But compared to anywhere back home in the States - it's ALL GOOD. Some say its paradise. If you want cooler Southern California coastal temperatures in the summer as you plan on living here year around - start looking North of Cabo. The land rush in this area right now is Cerritos, Pescadero and Todos Santos.

Next: Luxury Homes & Condos As Investments in Cabo San Lucas

David Mandich takes the anxiety out buying real estate in Cabo San Lucas Mexico. Get the facts on new housing developments, resorts and which area in Los Cabos best suit your lifestyle and taste. For a complete review visit the Cabo San Lucas Mexico Real Estate section on FunTripsLIVE.com

One Great Looking Car from Volvo

One of the characteristics car buyer tends to look for in a car is its aesthetic value - the car has to look good both inside and out. A convertible has such characteristics and it commands attention wherever it goes. That is why the convertible is one of the most beautiful car designs ever.

But owning a convertible poses trouble to the owner for the security of the car is in jeopardy if the car employs a non-metal roof. Aside from that danger, the car is also susceptible to the elements - water can enter the vehicle if the top is not in its proper place due to faulty or not strong enough engineering of the mechanism and the roof itself.

But car companies are making advances in the design off their convertible and one of these car manufacturers is Volvo. The Sweden-based Ford Motor Company owned outfit has designed their Volvo C70 with a metal roof that solves both problems posed on convertible owners of the past. While they may be using metal for their roof they have come up with a way to keep the production cost at a minimum so that the car will not be out of reach of the majority of consumers. Volvo has produced a car that looks like a coupe from the outside and feels like one on the inside with the top down.

The design of the car enables the driver to tuck the top safely in the car's trunk in less than 30 seconds. Lowering of the top is a sight to see thanks to the perfectly engineered mechanism that allows the top to be tucked in to the trunk smoothly. Not only is the mechanism for lowering the top the clever thing that the design offers. Since the top takes up almost half of the space in the trunk of the car, putting something on the trunk may pose a problem or a bit of difficulty for some convertible with metal roof. But the Volvo C70 has solved that with a mechanism that allows the user to slightly raise the top to permit loading of luggage under it before the top is lowered again.

The exterior design is not the only good thing about this convertible for the Volvo C70 boasts of adequate legroom on its front seats. But the backseats are just like what you would expect from any four-upward-seater vehicle, they are best left to children or extra space for that extra luggage that would not fit in the trunk. The aesthetic value of the convertible is high and so is its performance level, it is equipped with an able engine and a wide array of parts that helps the engine perform at its peak. And it is just like the Volvo water pump that keeps water flowing through the cooling system to maintain the engine's normal operating temperature.

Since this four-seater convertible is a Volvo, you can expect the latest and the best safety systems to be integrated into the car. All in all, the Volvo C70 combines in great quantity high engine performance level, luxurious and comfortable interior, stunning looks and a host of safety features.

About the Author

Glady Reign is a 32 year old is a consultant for an automotive firm based in Detroit, Mi. She is a native of the motor city and grew up around cars hence her expertise in the automotive field.

Learn Proper Backgammon Board Setup

If you have ever played checkers, then you can learn to play the game backgammon. Backgammon is very similar to the checkers. It is basically the same concept, only with a little twist. Backgammon boards set up is easy and takes little or no time at all. You can have a backgammon board set up in a matter of minutes.

The set up for backgammon is easy. The board and the game pieces usually come together in the box. If you are someone who has been playing backgammon for a long time, then you may already have your very own board and game pieces.

The boards are found in any department or game store. They can be bought for little money and make awesome gifts for any child or adult. Both adult and child will probably enjoy the games.

To set up the board, you have to take it out of the box and place it on a table or flat surface. There should also be thirty game pieces of two different colors. Take them out and divide them by color to each of the players. These will be known as your game pieces or checkers.

Along with the game is a pair of dice. These dice are used to determine the number of moves each player can make with their game pieces. Each player will take turns rolling the dice and moving to the opposite end of the board.

The object of the game then is to get all fifteen of your players to the home board and the off the board completely. The first player to achieve this is considered the winner of the game.

The board set up is fun and easy and the clean up is even faster. You can even play this game on the go. You can have fun and excitement playing this game wherever and when ever you want. The travel boards are the same only smaller and come in a compact case. This makes it easier to keep all the pieces and board in one place so that they do not become lost. You can keep these in the car or in the office for safekeeping. For sure mom will know where to keep the games.

If you do not want the typical cardboard board, then you may decide to make your own board. You can do this with wood or plastic or any other lasting material. If you are an avid player of the game, this may be the right idea for you so that the board does not get worn out too quickly.

? backgammonholygrail.com
About the Author

How to buy Lingerie for Her That You'll Both Love

Are you looking to buy something sexy for the lady in your life and you're stumped? Here's a few tips guaranteed to make you both happy. Not all women feel comfortable with baring her bottom in a sexy thong. It's best to be careful and put some thought into what body parts she feels most comfortable about and choose lingerie to complement her particular body part. A few pointers:Show off nice legs in something short like a baby doll or short chemise. Play up good cleavage with a halter or bustier style. Display toned arms with a camisole. Think-Pure Flattery-Have fun and Be confident

Lingerie is a way for women to be seductive, feminine and pretty, so if you think she'll look great in something, that's a good enough reason to get if for her.

Be confident in your own tastes.When women buy lingerie for themselves, they tend to lean to the practical side, not necessarily buying things that are frilly or extravagant so it may not be a bad thing to buy her something a bit more fancy that what she usually buys for herself. Help by getting her in touch with her inner child by choosing fun prints like cherries or clouds. Or appeal to her wilder side: animal prints, lace or bold colors like red are perfect. Unless you have a very close relationship with the woman, avoid giving lingerie items that are extremely risque or things that are in bad taste

Lingerie Fashion Styles

Chemise - A straight gown that skims the body. Negligee - A loose, usually sheer, gown. Peignoir set - Negligee that includes a matching sheer robe. Babydoll - A short gown that fits around the bust, flares toward hemline. Pajamas - Pants and top, originally styled after men's pjs. Bustier - A usually strapless elongated bra that provides extra lift to the breasts. Camisole - A sleeveless top that can be paired with matching undies or worn under a jacket for work. Teddy - A one-piece style, similar to a bodysuit. Tap pants - Soft, very short version of boxing shorts. Thong - Provides coverage in the front of the panty with a thin strap in the back.

Picking the Right Colors

Pick a color that you think would look good on her, if you Don't know her color preferences. In general, remember black, red and white (or off-white) look good on almost everyone Blondes look great in pastels, and brunettes can carry off stronger colors like purple and emerald green. Redheads do best with greens, blues and earthy tones.

The Soft touch-Fabrics

If you like the feel of the garment, chances are she'll like wearing it. Velvet, silk and satin have lots of tactile appeal. If you're buying online, play it safe and stick with fabrics that you already know what they feel like.

Figuring out her personal style-What does she like?

To choose, men should have some idea of his partner's tastes and lifestyle, not just in lingerie but in general Before you buy anything, think of her favorite outfits and her personality and try to assign a category to them, is she spunky, sophisticated, feminine, athletic? How about flirty,romantic, or cozy. There are basically four types of merchandise in a lingerie store, pajamas which can range anywhere from silk and satin to cotton and flannel, bras and panties, robes and sexy nightwear like baby dolls and bustiers, nightgowns, negligees, peignoirs, slips. Also keep in mind, things like pjs and robes are more forgiving with sizes, you're more likely to get a pajama size right than a bra size, and robes are usually one size fits all!

Sizes- Do it Right

The best way to find her correct size is to ask. You can also check out the size of her regular clothing to help you correctly choose a size of lingerie she might fit into. If all else fails you Don't know her bra size, try heading for familiar territory in chemises, robes, and nightgowns, where everything is sized in S-M-L. There's usually a fantastic variety of styles for every woman in these pieces, and you can be confident that size won' be an issue. As a last resort you can guess (tricky territory -- Lingerie.com even promotes the amusing fruit comparison method for finding cup size.)

Presentation- Wrapping it up

Don't forget to wrap the lingerie (or have it professionally wrapped) with beautiful paper and a lots of lush tissue paper. You can get creative and combined with related items, like a book of poetry, a bottle of champagne or great-smelling body products and candle. Lastly, always remember it's the thought that counts. If you really love something and think, it'll look great on her you can't go wrong, Remember, If a gift is bought and given with love it willalways be appreciated.

Sharon Caldwell resides in the beautiful City of Winston Salem, North Carolina and is the creator and owner of Love-Emporium.com. A 24/7 online shopping resource containing over 140+ specialty and department stores, outlets, auctions, florist of romance and love inspired gifts including clothing, lingerie, products, services and resources to enhance, empower, entertain and celebrate the power of love.

Travel accessories

Reebok Jogging Strollers Reviewed

Everyone with the slightest interest in sports knows the name Reebok. They make everything from sports shoes to timing devices and have developed a loyal cliental from all around the world. They have recently come out with their own Reebok jogging stroller with most of the features parents have come to expect from good-quality 3-wheel strollers.

This stroller has a rear suspension system that provides a comfortable ride for your child while being easy to push over a variety of terrains. The 16 wheels are suitable for grass, sand, and gravel as well as paved surfaces. If you are serious about your jogging you should insist on a stroller with at least 16 wheels, 12 is only good for smooth surfaces.

If your child feels like sleeping while you are jogging the seat reclines all the way. It should be remembered, though, that babies under the age of 6 months should not be taken jogging, they don't have the muscle control to properly support their heads and the back and forth movement when running could be harmful.

The Reebok jogging stroller, however, could be used as a regular stroller for the first 6 months after your baby is born and then when she is ready you can start taking her with you on your jogs.

This jogger has a fleece-lined boot that keeps your child warm and protected from cold drafts. Other handy features are the cell phone pocket, the adjustable canopy, and the one-hand folding mechanism.

When fully folded the Reebok jogging stroller takes up remarkably little space. The wheels are attached with a quick-release mechanism so taking the stroller completely down is a snap. It can be stored in a closet or the trunk of your car.

The Reebok stroller has been designed so that your child sits well back from the front wheel. This is safer than allowing the feet to come near the front wheel and distributes the weight more evenly for more stability.

We are quite impressed with this stroller. Care has to be taken when assembling that the front wheel is properly aligned otherwise it may pull to one side, but otherwise this is a good choice in a moderate priced jogging stroller.

About the Author

Anita is author of
http://www.baby-strollers-guide.com/ and

1% Realtors: How They Work

Each year, a large number of homeowners make the decision to put their home up for sale. If you are considering selling your home then you have a number of options. You can either sell your home with professional assistance or without it. If you are like most homeowners, you would prefer the professional assistance.

Making the decision to obtain assistance from a realtor is a large decision; however, it is not the only one that you will have to make. Real estate agents in the Los Angeles area are likely to charge different fees. If you are interested in making a profit from the sale of your home, you will have to find a real estate agent that has low fees. To do so you will have to do a little bit of research.

One of the many ways that homeowners find cheap realtors is by price comparison. This comparison is similar to shopping at your favorite retail store. Before deciding on a Los Angeles realtor, you should contact a number of realtors and determine how they charge for their services. Many real estate agents charge a flat fee and other charge commission based on the finial selling price of a home.

As a homeowner, you can select whichever real estate agent you choose to. However, it is important to note that many homeowners have had success working with a realtor who obtains their fees from a percentage of the final selling price of the home they listed. Many homeowners are concerned with the percentage that a realtor will take, but this percentage is preset. That means that you should be able to determine the exact percentage before doing business with a realtor.

In the Los Angeles area, it is possible to find a 1% realtor. 1% realtors are individuals who only charge a 1% commission. If you are looking to make a profit from the sale of your home, a 1% realtor may be your best bet. No matter how much your house sells for, 1% realtors will only take one percent for their fees.

Does a 1% realtor sound too good to be true? Unfortunately, there are many individuals who believe so. The truth is that 1% realtors are completely legitimate. They tend to differ from traditional real estate agents, but their benefits are still unlimited. Instead of dealing with a number of potential buyers who are unsure as to whether or not they want to buy a home, 1% realtors are able to focus their time and money elsewhere.

If you are wondering how your home will get sold without individual showings, you are not alone. Many homeowners are concerned as well. If a showing does occur it is often private or in the form of an open house. An open house enables a large group of people to view your home all at once. In addition to open houses, many realtors allow their potential buyers to privately view your home. This viewing is usually only allowed after they meet certain criteria.

If you are interested in learning more about 1% realtors, you are encouraged to contact one today. After speaking to a 1% realtor, it is likely that you will see the unlimited benefits of using their services.

Brad Horn is a writer for 1 percent realtor where you can find a great 1% Realtor in Los Angeles

10 Signs You Need a New Bra!

If you're like most women, you dread the day you have to go bra shopping. Women have mental lists of reasons why to not shop for bras: they're expensive, they don't like to shop for themselves, and they don't have the time or the patience to try on every bra in the store, or just can't find the right fit! Frustrating? There's no avoiding it-sometimes you need to buy a new bra-and that doesn't mean when the wires are poking you through the fabric! Knowing when to get a new bra is essential to helping you keep bras that are comfortable and shapely. Here are a few reasons you may be in need of a new bra-now.

1. If Last Summer was the last time you bought a bra. Bra shopping can be expensive. It can be easy to spend $50, $75, or even $100 on a bra, but there are plenty of bras for under $30 as well! Think of it this way, if you can spend that money on a mani/pedi or a couple of movie tickets, you can definitely spend it on a bra!

2. A Special Occasion. Do you have a wedding coming up? A 'formal' dance maybe? There are certain occasions you may need to wear a strapless or 'convertible' bra-essential to every woman's wardrobe!

3. Great News! You're Pregnant! You may not need a maternity bra just yet, but expect to grow a couple of sizes during your pregnancy. Even women with small breasts will eventually need a bra with underwire for support during pregnancy. Taking care of your breasts during pregnancy and nursing, with good bras, can minimize post-baby sagging. Look to brands such as Bali, Playtex, and Calvin Klein for comfortable pregnancy/nursing bras.

4. Your bra just doesn't fit right. If your bra is stretched, the back strap rides up, you're constantly adjusting, or you're embarrassed to wear a tight-fitting shirt-you need a different bra. Be honest with yourself first-Do you wish you were a C cup, but are really a B cup? Or what if a DD is just too small for you? Your bra should support and shape you, without restricting you. Your bra should not be loose in any way when you stand up straight. Don't be ashamed to check out full-figured or plus-sized bras for the right fight. If you wear t-shirts often, a good seamless bra is essential. Again, stop stressing about your size! Get a bra that is going to be comfortable.

5. Your bra's best friend is your washing machine. Remember this-bras should be hand-washed. Most of us don't have the time, but in this case, do yourself and your bra a favor a get a lingerie bag! Bras that are machine-washed/dried need to be replaced much more often than ones that are gently hand-washed.

6. Underwire poking at your skin. The underwire in a bra should lay flat against your skin, underneath the breasts. If you feel the underwire poking through the fabric, you need a new bra! Find yourself adjusting the underwire back to its proper position throughout the day? It's time for a new bra.

7. Holes in your bra. If your bra is in any way torn, this is a sign it needs to be replaced. Think of it this way, a bra with holes in it can tear completely at any moment. What will you do then?

8. Your bra is not the same shape and does not have the same support as a new bra that is the same size. This is especially true for sports bras. If you hold up your existing bra to a new one of the same size and it does not look the same, you've worn it out! Champion or Adidas are good brands for sports bras.

9. You have gained or lost weight. Your breasts are made up of, mostly, fatty tissue, so when you gain or lose weight, it may make a significant change in their size-assuring you a new bra. Whenever you gain or lose 10 pounds, you should get fitted for a bra to ensure you are buying the right size for your body.

10. Ready for a New Look? You don't have to wait until your old bras are ripped and torn to get a new one! Have fun with it! If you usually wear plain cotton bras, try printed, sexy, lace bras for a quick pick-me-up. You may discover a whole new bra-world for yourself!

Bra shopping shouldn't be frustrating. If you happen to find a bra that fits you like a glove you may want to but a few in case they're discontinued! Have fun with your bra shopping, but remember, a good bra should be comfortable and should support you-it should not be a nuisance. Happy shopping!

Jessica Katz has been selling sexy lingerie for years, and owns Lingerie Exposure. She does extensive product research for lingerie items that are most in demand and negotiates price so you can get the styles you want at the prices you'll love. Want to see these wonderful deals? Available at: => http://www.LingerieExposure.com

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

By Jessica Katz

Furnished Apartments in Atlanta

Atlanta, comprised of numerous distinct neighborhoods, cities, and counties, has a good choice of furnished apartments - garden-style apartments, lofts, town homes, studios, and many others. Center city apartments and more suburban apartments come with features such as ample parking and swimming pools.

Furnished apartments are ideal for corporate housing and extended-stay rentals. These are available in any size, and equipped with kitchens, fully furnished bedrooms, air conditioning, fireplaces, dining and living rooms with or without bathrooms, hardwood floors, backyards, and parking areas. Some apartments in Atlanta are particularly designed to cater to the needs of short-term contractors or European business personnel. Almost all private apartments are located close to Atlanta's business areas, shopping malls, and restaurants.

Extended stay apartments are available on monthly invoice payments and are perfect for business travelers, those on temporary assignments, consultants, and visiting family and friends. Furnished short-term apartments feature the most comprehensive short-term and temporary housing facilities. These are available in all price ranges and sizes, and on one-month to twelve-month leases. Furnished apartments are popularly marketed to businesses like movie studios and film production companies that frequently employ visiting, temporary workers.

The town home in Atlanta is one of the popular styles of apartment buildings. Town homes are generally built on more than one level with living areas on the first and/or second levels, and bedrooms on the levels above living areas. Town homes are perfect for those who are willing to live on multiple levels and are able to maneuver stairs.

The rapid growth of this metropolitan area and its economic development have both contributed to the increase in the number of new apartments. Although Atlanta is one of the world-famous industrial centers, Atlanta apartments are affordable and the average monthly rent is below the national average. If you are looking for a living space, Atlanta has a number of well-established property management companies offering furnished apartments. They assist you with computerized apartment searching and apartment rental services to search for a fully furnished apartment, whether it is traditional or modern, according to your taste.

Atlanta Apartments provides detailed information on Atlanta Apartments, Loft Atlanta Apartments, Atlanta Apartment Rentals, Cheap Atlanta Apartments and more. Atlanta Apartments is affiliated with Apartments for Rent in Chicago.

Infant Car Seats What to Look for

Infant car seats should be purchased for any baby who weighs less than 20 pounds. It can be more cost efficient to purchase an infant-toddler car seat that can be converted when the baby weighs more than 20 pounds. But all experts will agree that babies are safer in infant car seat because they are designed for the smaller baby to give support in all the necessary places. Your baby should be comfortable. You should get a car seat that has lots of cushioning and plenty of head support. The Graco infant car seat is one of the most popular car seats for infants and range in price from $80 to $170.

These are some things to look for when you are shopping for a car seat for your infant.

It should be easy to install. It is very important that the car seat is installed properly and according to the manufacturers specifications. When buying a car seat, remember that simpler is better. If a car seat looks like it will be difficult to install, it probably is.

A smaller baby needs more adequate restraints to hold him in the seat. Look for infant seats that have a five point harness. These will have one strap for each of the babys shoulders, one strap for each of his thighs, and one between his legs. These straps are safer for an infant since they are more adjustable than plastic shields or T-bar restraints.

Avoid car seats that require you to fasten the seatbelt in the rear of the seat. The seatbelt adjustment should be easy to reach.

It must have the right anchors. Starting in September 2002, all new infant safety seats had to be compatible with the LATCH system (LATCH is short for Lower Anchors and Tethers for Children). Rather than using a seatbelt to hold the infant seat in place, this system uses two anchors for the bottom of the seat and a one tether for the top of the seat. This makes installation of the seat easier and safer because the seat is attached directly to the car.

Babies are always a mess. Consider purchasing a seat with a removable infant car seat cover so that you can keep the car seat clean. It may be tough to find this feature because many car seats do not come with removable infant car seat covers. Be sure to check the car seat you are purchasing to see if the car seat cover can be removed.

The most important thing to consider what buying a car seat for your infant is safety. Remember, the car seat should be easy to install, have adequate restraints, and have the correct anchors for attaching it to the car.

About the Author

LynnMarie is On-Line Editor for Babyage.com which is one of the top online retailers of Graco Infant Car Seats including an extensive line of Infant Car Seats for infants and children.

By LynnMarie S

Temporary Breast Enhancers

Recent surveys indicate that women who are unsatisfied with their bust size tend to be more depressed and anxious. Even though breast enhancement serves no logical health benefit, women opt for enhancers just to feel better about themselves.

Cosmetic surgery in the form of mammoplasty or mastopexy is considered the most successful method of bust enlargement. Despite the risk of the bosom turning hard, asymmetric, striated and transparent, silicon implants form the largest percentage of aesthetic enhancements that women opt for. Most women believe that once the implant goes in, it becomes a lifelong part of the body. However, silicon shells can be removed through surgery. The cost factor involved in breast augmentation surgery deems it impossible for many to use the implants.

The most popular form of temporary breast enhancement is the bra, which works only when it is worn. Full body bras, as they are called, come in a range of designs. As the breasts begin to sink and sag with age, the best options available to women are push up bras. Under wire bras are the best known for the purpose of providing maximum shape and support. Younger women can opt for the inflatable bra that can be filled up with air or water. There is also the option of the padded bra, which contains a rigid lining of cotton, foam or sometimes, silicon. Women who have undergone surgery for breast cancer, the mastectomy bra and the amonea breast forms are comfortable choices.

Recent years have seen an array of products line the pharmacy shelves, claiming to be temporary breast enhancers. Most of these don't necessarily work and patients do better by not relying on them. The ones that can enlarge the breasts do so by allowing fluid to collect between the mammary tissues.

Breast Enhancer provides detailed information on Breast Enhancers, Breast Enhancer Resources, Silicone Breast Enhancers, Breast Enhancer Pills and more. Breast Enhancer is affiliated with Natural Breast Enlargement.

The Backpack A Campers Camel

Everyone knows that campers and hunters need a place to keep and carry their gear. When perusing the camping supply aisles in stores, you may have noticed how overwhelming it is to find a backpack large enough to carry all of the necessary items you will need on your adventure in the great outdoors. Sometimes you may have wondered if bringing a pack mule or a camel would be a benefit for the serious backpack camper. However, if you have a good backpack, you wont need to bring along a four-legged beast to cart your gear youll only need your shoulders.

Many backpack campers and even some overnight hunters carry way too much on their trips into the wilderness, and often find themselves lugging around too many unnecessary items. But no matter what you feel you need to carry with you on your outdoor travels, you need a place for all of it. Many backpack manufacturers have taken this into account and have come up with solutions to your backpack problems. Whatever your backpack needs, you can find a backpack to suit them.

Before deciding to buy a backpack, you should be able to clearly specify its use. Daypacks, assault packs, and full packs are the major categories in backpacks. Daypacks are intended for small trips, where the weight will be minimal. Assault packs are used mostly during weekend trips and for activities like mountain climbing. The weight-holding capacity of this type of backpack is greater. Full packs are used for longer trips, and their weight-holding capacities are greater than the other types.

You will definitely need a place for things like rain gear, food, and plenty of water. You may also want to bring along field dressing gear or your first aid kit remember, this is very important, especially if you will be camping or hunting in an area that is far from immediate help should an accident occur. Since you will be bringing so many different and important items, you will want to be certain that your backpack is made of a lightweight material. That way you will not have to drag around a huge heavy backpack with gear that also weighs a ton. But remember that the weight of the backpack is not nearly as important as the durability of the material. Your backpack should be made of strong, water-proof material. The backpack should be able to withstand hard wind, heavy rain and snow, and you should be able to basically throw it on the ground and not worry about it tearing or leaking water onto your gear. Many camping gear companies now coat their backpack material with silicone to make it more durable and water proof.

Weight displacement is also extremely important for those campers who are traveling long distances. A wider backpack will make the weight of the pack lay on a larger portion of your back, and that will ultimately make carrying the backpack easier on your shoulders and back. Another important consideration is the functionality of the design of the bag. There should be pockets on the outside so you can easily access your water supply, and there should be interior mesh pockets to organize smaller gear items. Also, having a lot of padding on your shoulder straps will help your comfort level immensely.

By: Philippe De Tiege

Finding The Right Breast Pump For Your Needs

Breastmilk is by far the best source of nutrition for infants; however, exclusive breastfeeding is not possible for all mothers. You can continue to feed your child breastmilk even though you may spend some time apart if you use a quality breast pump to express milk for his or her feedings. To begin finding the right breast pump you?ll need to answer a couple of questions. Why do you need a breast pump? How often will you need to express milk for your baby?

If you will need a pump to prepare an occasional feeding or to relieve engorgement then you will probably pump once or twice a day. For infrequent milk expression, manual pumps are the most cost effective choice. With a manual breast pump you control the speed and suction of the pump with the squeeze of your hand. This type of pump is convenient to take along anywhere since it is lightweight and do not require a power source. The Avent Isis has been the most preferred manual pump for quite some time. Other popular manuals include the Ameda One-Hand and the Medela Harmony.

If you need a pump because you will be returning to work then you will most likely need to express milk 4 to 5 times a day. An electric breast pump is a must-have item for mothers that will pump on a daily basis because using a manual would be quite time consuming. Electric pump models have multiple speed and suction settings that can be adjusted for comfort and maximum milk expression. These pumps also allow for expression from both breasts at the same time which is a great time saver for mothers that will pump multiple times each day. The Medela Pump in Style has been a trusted electric breast pump for many years as have the Ameda Purely Yours models. Avent?s new electric model, the Isis iQ Duo, is quickly gaining popularity amongst nursing mothers because it offers an infinite amount of suction and speed settings.

Once you have determined how often you will pump and the type that you will need, you can begin to evaluate the variety of brands and models. Reviewing side by side pump comparisons can help you to see how each pump stands up to the others in its class. Veteran breastfeeding mothers can also provide useful information since they have experience using the pumps. Reading through customer reviews can help you find out if other mothers share your concerns. Taking time to select the right pump is important because an uncomfortable breast pump can lead to a frustrating pumping experience which can put a strain on your breastfeeding relationship with your child.

About the Author:

Breast Pumps Direct, http://www.breastpumpsdirect.com, is a leading retailer of breast pumps that provides mothers with breast pump reviews, breast pump comparisons and breastfeeding information.

Choosing a Baby Car Seat 4 Things You Must Know

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

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

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

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

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

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

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

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

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

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

By Astra Yaddira

Tips and Tricks for Living with a Busty Figure

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

Taking care of your breasts

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

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

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

9 Real Estate Website Must Haves

1. MLS Search Capabilities

GIVE UP YOUR BRA FOR LENT

Uplifted Lingerie
calls for a bra
amnesty in aid of charity, after all, only a third of you wear all of yours!

Upliftedlingerie.co.uk, a website specialising in bra's for curvaceous women
size D-L, is calling for women throughout the UK to send them their unwanted
bra's
during Lent, 21 February - 7 April, to be distributed to homeless women thanks
to the help of national charity Crisis.

So this year, instead of giving up chocolate or alcohol for lent, donate your
bra to charity and as an added incentive for your efforts, you will receive
a 15% discount at speciality underwear website www.upliftedlingerie.co.uk. To
get involved with the bra
amnesty, simply package up your unwanted bra's, any size and style, including
nursing bras and maternity. Just make sure they are clean, then send them to
arrive no later than 7th April, together with your name and email address to
Uplifted Lingerie, Howard Road,
Clan Works Unit D, Bromley BR1 3QJ, and you will be emailed a 15% discount voucher.

Jamie Chapman, Director of Upliftedlingerie.co.uk commented, We recently carried
out a survey which concluded that over 50% of women in the UK own between 10-15
bra's, yet just a third of women wear all of them, and 15% wear only one or
two! As there are plenty of unused bra's out there, we decided to partner with
national charity Crisis to put all these bras to good use.

He continued, I understand that it takes some effort to clear out your drawers,
that's why we have added an incentive with a discount off all underwear and
nightwear on our website. So go ahead join the bra amnesty.

Mick Bateman, of Crisis said Looking and feeling good is vital in helping
homeless women build their self-esteem. All the bras donated will be gratefully
received by Crisis and will make so much difference to so many women's lives.

www.upliftedlingerie.co.uk is a website specialising in affordable underwear
size D-L, featuring all the high street labels including
Panache, Gossard,
Freya Bras, Charnos,
Lepel and Shock
Absorber. All deliveries and returns are FREE.

About the Author

Jamie is becoming a champion of everything to do with lingerie, from charity events to selling bras!

3rd Party Buying Tips What You Need To Know

Save Your Money and Be Smart!

As your investment profile grows larger and larger you?ll notice that assigning a family member, wife or good friend to a home could be a definite advantage on your overall net worth. Especially in a rising real estate market where you can re-sell the property at a higher price before the completion date. Since half the property value is added onto your net worth, depending on the tax bracket your in, it might prove necessary to do a 3rd party buying. In this situation it?s important that in your contract you do not use ?and or nominee?. But rather be straight forward with the name of who the purchaser is.

The general rule is that a buyer may assign their rights under the contract as long as they do not prejudice the rights of the seller. The seller must know who the buyer is. However, if the seller does not feel her rights are prejudiced then the seller may consent to the assignment identity not to be required. This is provided that you have notice in writing of the assignment. Both buyers and sellers should receive copies of this from their realtor.

If your still debating whether or not to have an assignment sale or 3rd party as ownership then you may impute a temporary clause to give you a few extra days to contact your assignee or 3rd party to ask for their permission. Your realtor will insert a ?Assignment Option Clause? which should read something like the following sample clause:

?The buyer reserves the right to assign this contract in whole or in part to any third party without further notice to the Seller; said assignment not to relieve the Buyer from his/her obligation to complete the terms and conditions of this contract should the assignee default.?

Of course this is only a sample of what a realtor MAY use and should not be taken by person as a clause without first contacting their lawyer. When buying always remember the issues that affect an owners interest. You should keep your eye on the road. Rights-of-ways, passage or road widening may not have been surveyed or registered. Driveways and culverts may not have been constructed on any public roads without the permission of the Ministry of transportation. Permission could also be denied due to limited access roads.

Also, when building near to streams, rivers, oceans, lakes and cliffs; be sure to check your restrictions. You may find that the property your buying will be shrinking before your eyes in a matter of months. This applies to All Real Estate in the Fraser Valley market and all other British Columbia Real Estate. These tips may be useful in other provinces in Canada such as Calgary, Alberta. Again, this should not be relied upon as legal advice but simply as a guideline for your next real estate investment.

Shane Toews is a Licenced Realtor who helps others to educate themselves on current real estate issues. He also provides assistance on how to locate quality homes, apartments or vacation rentals in Canada's Fraser Valley area. Visit his website RentFraserValley.com for more information on Canada's Fraser Valley Real Estate Market

Sports Party Banners: Announcing the Big Game!

Whatever the sporting event, you can recognize your team, and advertise the big event with your own sports banner. Whether it is the big little league game of the season, or the state college championships, appropriate banners can be purchased online, or even made at home. Sports banners come in a wide variety of styles and materials, from the hand held banners for team fans, to flag type banners to hang outside your home, to street spanning, professionally made banners.

Should you want to make your own sports banner, they are really easy to make, and sometimes, especially if you are in a hurry, home made banners are the best, because you can make one quickly and easily. If you have children who take part in sports, consider buying felt in appropriate colors, cutting out triangles, gluing on letters to spell out the team name (they can also be cut from felt) and gluing them to craft sticks or lengths of wood dowels, even consider personalizing them with player's names for the parents!

Sports banners are also appropriate for end of the season celebrations. These parties, especially for young athletes, are milestones, and personalized sports banners can be that little something special to make those events something that will be remembered for a lifetime. Sports banners can be the focal point of the whole evening.

Take simple white paper, print, computer print, or affix stick on letters, decorate with appropriate mascot symbols, balls, bats, or other sports accessories, and thread lengths of nylon line through holes in each end, and hang it up! Take it even further by hanging the sports banners with basketball or soccer net, painting Styrofoam balls to resemble baseballs or softballs, or using small children's versions of balls and bats, and adding photos of the players. Consider allowing the players to decorate their sports banner with hand prints or autographs for a personal touch.

Mrs. Party... Gail Leino is the internet's leading authority on selecting the best possible party supplies (http://partysupplieshut.com), using proper etiquette and manners while also teaching organizational skills and fun facts. The Party Supplies Hut has a huge selection of free party games, coloring pages, word find, word scramble, printable baby and bridal shower activities. A huge variety of custom party banners for kids and adult birthday parties, theme events and holiday celebrations. Choose the fonts, colors and banner style to match your party.

Bulgaria the Unbelievable Overseas Property Investment

Im sure by reading the title of this article your probably saying to yourself just another con to make me part with my hard earnt money. Well if you dont believe me then just read the facts about this amazing overseas property investment oppurtunity open to everyone.

The country i am talking about here is the European state of Bulgaria. Bulgaria only twenty years ago was behind the Iron curtain of Russia.The country was of poor economic stability, little overseas investment with many people living in poor condfitions throughout this beautiful country.

Twenty years on Bulgaria is fast becoming the quickest developing european country in the world. The cost of living in Bulgaria is extremely low compared with the UK and especially London. Restaurant meals can be purchased for the equivalent of a few pounds and Bulgaria is expected to become a popular budget holiday location as more and more airlines offer direct flights. British Airways now flies direct from Gatwick from only ?75 return including taxes, although most investors are eagerly waiting the entry of easyJet and Ryanair which will happen in 2007.

Cheap Bulgarian Property prices can start from as little as ?4,000 for a modest sized house with 500sq M of land attached.

Bulgaria and cheap Bulgarian propertys are being hailed as the new Spain by property investment experts. Spain was under developed just like Bulgaria Fifteen years ago. Once investment started in the country's infrastructure, Many English, European & American holiday makers flocked there in their Thousands searching for sun and cheap propertys to invest in.

If you look today for an apartment on the coast of Spain, you would have to spend an average of ?110,000 upwards. The same equivalent apartment on the Bulgarian coast today will cost you ?15,000. The investment potential is amazing for anyone willing to keep their Bulgarian Propertys for a number of years will look to profit considerably.

Cheap Bulgarian Property is so affordable at the moment that any one visiting the country with a Credit card can become the proud owner of Bulgarian Propertys.

With the inclusion into the EU in 2007 Bulgaria will no dought follow the same direction that other European countries have since joining the European Union with amazing growths in economic stability,employment and overseas investment in production and exportation which will result in Bulgaria becoming one of Europe's most profitable countries in the near future.

Bulgarian propertys will be one of the top property markets in Europe during 2006 / 2007. Currently, in the European market, Bulgaria is the current hotspot with an average growth rate of 30% with the cheapest property prices in the EU. There are several other countries in the EU, which attract foreign investment for a variety of reasons. None, however, can rival the sheer number of factors, which makes Bulgaria an irresistible, safe location for your investment capital.

Bulgaria boasts the amazing Black Sea cost with at one point on the coast a strip of beach 8km long. Resorts such as Sunny Beach, Golden Sands and other resorts attracting thousands more year on year holiday makers looking for a cheap sun drenched holiday. The summer season boasts an amazing five-six months of sun with temperatures ranging from 75-110 degrees in peak summer.

With all this in mind, can you really afford to miss out on the last affordable country in Europe to purchase your dream holiday home or sound investment for you and your families future.

Amazing Overseas Property Investment - Make up to 500% profit!

Cheap Bulgarian Property!

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An Interesting Twist in the New Hampshire Real Estate Market

An interesting twist to the Souhegan Valley real estate market!

Since late 2005 the real estate market in the Souhegan Valley of New Hampshire has seen declines in the number of homes sold, increases in the number of homes on the market, and falling prices. This is completely logical. Lower demand and higher supply inevitably leads to lower prices. But there is an intersting twist in this market.

The number of homes sold through October 2006 is down 23% from last year, while there is currently a 13 month supply of homes on the market. This has lead to a drop in home prices, as evidenced by the drop in per square foot sold price since the end of 2005 (see Charts at Web site below).

Despite this drop in home prices, the average price of a home sold has increased slightly over 2005. In fact, the average price of a home sold in the area is up about 0.7% from last year. This is perplexing! The price of a home is dropping but the average price of a home being bought is increasing.

If the major problem in the New Hampshire housing market is that homes have become unaffordable and the prices of homes are falling due to lower demand then one would expect that the average price of a home sold would fall as well. Instead, the average price of a home sold has clearly increased. This is an indication that many buyers have the means to buy a home and are willing to spend that money to get the home they want. So as the prices of homes drop, buyers are simply buying more house for their dollar.

This is not to say that buying a home is easy for everyone. In southern New Hampshire a first time home buyer faces difficulty in finding an affordable first home. They can expect to pay $230,000 or more for a single family home in the area. Even a condominium can cost $180,000, which is difficult for the first time home buyer.

However, with a strong job market and increasing wages, buyers in the market are taking advantage of lower prices and low interest rates to buy the home they want. Today, buyers do not have to compromise on home size, location or amenities like they did when the market was hot. These indicators also highlight the fact that this market was not precipitated by a major economic event, such as major job losses, that prohibit people from buying. Therefore, this market will probably not last long. I do not expect a return to the red hot real estate market we had with 15% appreciation per year, but I do anticipate increases in buying with moderate appreciation. (Of course this assumes no changes in economic conditions that will impact buying power.)

As a closing note, I have noticed over the last few weeks that the news media has begun to run stories about the market hitting bottom. These stories are important to note because they will change buyers perception of the market. When buyers believe that prices have hit bottom perhaps, they will begin to buy.

Enjoy the Thanksgiving holiday!

Market Notables Single family home sales through the 31st of October 2006 were down 23% from the same period last year. Single family home sales in the month of October were down 38% from last October. (Recall that sales in September were off 53% from a year earlier, so this is an improvement.)

The number of single family homes on the market was down in October to 840 homes. This is an improvement from September when there were 902 homes on the market.

Despite the lower demand for homes the average selling price of a home in October was $387,009, 0.7% higher than in October of 2005.

The towns with the largest percentage increase in average selling price so far this year are Greenville, where the average price of a home is up almost 20% and Mason, up 14%.

Two towns in the area have the distinction of actually exceeding the number of sales they had in 2005. These are Temple and Wilton.

Note:

This data in this article is based on information from the Northern New England Real Estate Network for the periods indicated for the towns of Amherst, Bedford, Brookline, Francestown, Greenfield, Greenville, Hollis, Lyndeborough, Mason, Merrimack, Milford, Mont Vernon, Temple, and Wilton.

Carl Johnson has been a Realtor since 2002 and serves home buyers and sellers in the Amherst and Milford area of New Hampshire. Visit http://www.SouheganHomes.com for complete market reports for the Souhegan Valley of New Hampshire

Introduction to Investing in Real Estate

?The property boom has made us all feel wealthy, but unfortunately it has lulled many of those nearing retirement into a false sense of security.? -Noel Whittaker

Making money in the real estate market has never been easier. It used to be that investing in real estate was an activity only the affluent could afford to indulge in. However, today, property investing is available to anyone at any price range.

If you have ever dreamed of being a successful investor, or buying and selling properties at a huge profit, now is your time! Do not let this opportunity pass you buy. Not only would you be involved in the most profitable and exciting form of investment in the current economic market but you would be securing your financial future.

Never having to think about financial concerns again ? sounds like a dream come true. Real estate investing is a great way to earn an income off your investments. All you need to learn is how to it and then take your newly acquired skills and make it happen! The first step is stop dreaming and start acting.

If you are truly interested in finding financial freedom you have to act today. Once you have decided to get out of your chair and do what it takes to become an active property investor you need to first start with research. There are many websites which offer information and advice about how to get started in investing in real estate.

There is plenty of free information, ebooks, tutorials, and even mentors just waiting for you to get involved. Remember the first step to any investment is learning and that cost absolutely no money.

Once you learn the basics, seek out a successful real estate investor to discuss your options with. Most people are more then willing to show a new investor the ropes and offer insider tips and wisdom.

Then you must learn the techniques of real estate investing which you will soon have to utilize. These skills include how to find the right properties to invest in, how to be a good negotiator, and how to structure legal and binding financial contracts. The goal of all real estate investments is to put out as little capital as possible and then reselling to achieve the maximum profit available.

To become a real estate investor no formal education is needed. All that is needed is understanding the value of hard work, determination, and drive. A couple of solid real estate investments can turn a substantial profit for the investor.

For those folks who are not looking to get rich but merely have a decent income, real estate investing is for you. With just a single real estate investment, four times a year, you could bring in an income that is far greater then the salary you receive from working your 9 to 5 job. Stop working, live off investments, and enjoy you present as well as your future.

Visit the Global Investment Institute and signup for our free Investing For Beginners E-Course at http://www.Global-Investment-Institute.com

Investment webmasters or publishers, please feel free to use this article provided this reference is included and all links remain active.

Back Pain And The Office Worker

Back Pain and Facts

At least 120 million working days are lost every year because of people's back problems.

Back Pain and Facts

At least 120 million working days are lost every year because of people's back problems.

10% of all major back injuries take place whilst handling, lifting or carrying.

Nearly two thirds of adults mostly in their 20's and 50's, experience back problems.

Back Pain is the single greatest cause for time off work through ill health.

Every person complaining of back pain, and any related condition, takes an average of 13 days off work.
(Shocking huh)

Unfortunately, you won't find a magic wand to cure your back problems, but you will find that you can improve or prevent a lot of problems by adopting back-friendly work habits.

Manual Handling

If you think about it, we all manually handle throughout every day of our lives, but have you ever stopped to think just how you go about it...

Do you bend from the waist (naughty),
Do you twist without moving your feet,
Do you slouch in your office chair,

How do you pick boxes, or your screaming toddler up from the floor?

If you sat down and thought about the weight you lift during a normal day, you would probably die from shock because it probably run into tons... Ha, is there any wonder you have those aches and pains?

If you must lift something...

Bend your knees rather than your back,
Keep your feet wide apart to provide stability (This is really important)
Carry objects close to your body
Bend again at the knees to put the object down
When carrying loads, try and lighten them, i.e. try and break them down into lighter smaller loads and store them in areas which are easily accessible.

How do you rate when working in an office?

Make sure your chair is comfortable and adjusted for you, (not everyone else)

Sit so your pelvis is upright
Try and ensure your thighs are at a 110 degree angle to your trunk

Ensure the lumbar support of your chair fits the small of your back so it maintains the natural S shape of your spine

Ensure the armrests of the chair touch your forearms, when your shoulders and elbows are relaxed at your side (This helps to avoid strain in your neck and upper limbs)

Ensure the seat depth allows your bottom to be at the back of the seat with a two finger gap between the front edge of the seat and behind the knees. (Ensures adequate thigh support whilst allowing movement without obstruction).

Make full use of the chair movement especially when reaching for items such as the phone

Don't slouch
Alter your position frequently when using a keyboard
Move if you are uncomfortable. (It's surprising how many people don't)

Change your posture frequently to give your muscles a break
Take frequent breaks from your desk (And no it's not an excuse for a cigarette break)

Keep your mouse and telephone as close as possible (Allowing you to remain relaxed and in a natural position at your desk)

Ensure your monitor is square on so you don't have to turn your head to look at it. (Document holders are handy)

Ensure your screen is at arms length away from your face so the top of the screen is horizontal to your eye line.

The next time you are at work again, open your eyes, and just see how much damage your office job is doing to your back...You just might be shocked.

ABOUT THE AUTHOR

Kim is a Back Care Advisor working in the UK for a large hospital Trust. She's passionate about back Care, and can be found at www.backpain-free.com and www.nursing-hints.com

"The Time Value of Money"

The time value of money (TVM) is an investment principle that states money is valued greater today than in the future due to inflation and economic conditions. Essentially, a dollar in your pocket today is worth more than a dollar in the future because money may be invested and earn interest over time. The notion of TVM is money is worth more the earlier it is received.

If you loaned a friend $20, would you rather get the money back today or a year from now? You should want the cash today. Think back to the price of movie tickets 10 years ago. The price for a movie ticket at one point was just a few dollars and has risen to almost $10 due to the factor of inflation. By receiving cash today, rather than the future, you can invest the money into an alternate source and potentially receive a higher return for your money. Future value includes the amount of money you would earn through growth in your investments in the future assuming a given interest rate. It is what the cash is worth at a particular time in the future, while present value refers to the value of a given sum of money today. The same principle applies to real estate notes. A real estate note, a mortgage for example, is created with specific terms, conditions and a length of time for its return. In order to exchange the note for cash, a note?s present value is determined through a discount analysis to appraise its current worth, which will differ from the note?s value in 10 years.

To demonstrate TVM and why it can be more advantageous to have money now rather than the future, consider the following example. If you own a real estate note that is appraised at present value for $150,000 you can cash out now and spend the money, or you can invest in alternate sources for a higher return on your investment. By receiving the money today, you can avoid dealing with late payments and the risk of not receiving a payment at all. Immediate cash appeals to most much more than receiving money in the future. The following illustration of TVM shows the change in value of $150,000 over a year if invested with a rate of return of 10 percent.

Future Value = (Present Value) x (1 + Rate of Return)

Future Value = (150,000) x (1 + 10%)

Future Value = (150,000) x (1.1)

Future Value = $165,000

Understanding the time value of money is essential to achieving financial success, as this concept allows you to evaluate the potential value of money today in comparison to the future. When you talk about mortgages, loans, car notes and retirement funds, the practical knowledge of time value of money can help you accomplish the wealth you have longed for.

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

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

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Cary North Carolina ? A Great Place To Live

Are you looking for a new place to live and start an amazing career? Cary, North Carolina is in the heart of the renowned Research Triangle Park, and it would be a great place to start a new career. It has been recently rated as one of the top five places to live in the nation by Money Magazine. Cary, North Carolina is located within twenty minutes of Duke University, the University of North Carolina, and North Carolina State, so education is a very important part of this area. Many technology companies have offices here including SAS Institute Inc., the largest privately held software company in the world, MCI WorldCom, IBM, American Airlines Reservation Center, Lucent Technologies, Siemens, John Deere, and Cotton, Inc.

The town of Cary, North Carolina also has a wonderful park system, with many places for kids to play and grow. Cary also boasts a large arts and crafts festival every year for the town to enjoy. The Lazy Daze Arts and Crafts Festival has become one of the South?s premier festivals. The crime rate in Cary, North Carolina is very low; their City Data dot come crime index was 130.5 in 2004. The national average for cities in 2004 according to City Data dot come was 327.2. Now that you see how wonderful a place Cary, North Carolina is you probably want to know about the real estate market.

The real estate market in Cary, North Carolina is doing very well right now. The market has quite a few houses on the market currently. The average home price in Cary, North Carolina is about $200,000 which is about $30,000 less than the national average. Another great aspect of the housing market in Cary is that many of the houses have large yards, with great landscaping. These days it can be very hard to find a house with much of a yard at all, and when you do find a house with a yard it usually has not been landscaped. With the average household income in Cary, North Carolina around $90,000 to $100,000 a year, the real estate market is very affordable. Don?t miss your opportunity to move to a great town, and get a wonderful deal on a house in this very affordable real estate market. Look at Cary, North Carolina today!

Move to Cary with help of a professional Cary NC Realtor!

Investors Who Missed The Recent Real Estate Boom Should Look Here

If you are a real estate investor and missed the housing boom, you may get another chance. Overheated in the eastern and western markets are cooling off, but there are new opportunities out there. Some of the cities that sat out the boom of the last few years are now showing stronger appreciation gains. Cities such as Dallas, Houston and Atlanta are showing signs of a strengthening real estate market.

Real Estate in hot markets like the San Francisco Bay area market is showing signs of s a slowdown. Prices are rising slowly, however inventory is up. Another sign of slowdown in this hot market is the time it takes to sell a property. Last year some were getting nervous because there were only three multiple offers on a property instead of nine. In one year we have seen quite a change. Now homes that would have sold in one or two weekends are sitting on the market longer. It is not uncommon to see homes sitting on the market thirty to sixty days. This is more like a normal market.

Meanwhile in Texas the demand for housing is increasing. With the new boom in the oil market aiding the job market, workers are coming to Texas from the US and abroad. This is putting upward pressure on the housing market. There are no signs of this slowing down anytime soon. While home prices in Dallas and Texas may not appreciate at the high rates of 20% + seen in some areas in the last few years, the appreciation rates should still be healthy. Real Estate Investors have been aware of this and are investing in these markets that have previously been very slow.

The Atlanta market is benefiting from a healthy job market. Unlike the Texas markets, the Atlanta market is also seeing a rise in inventory. This rise in inventory should restrain the appreciation in Atlanta.

A number of cities in the southwest which have seen high appreciation rates are seeing a strong increase in inventory. Cities such a Phoenix and Las Vegas are also showing a strong job market. Inventories of homes in these cities will need to be watched. If inventories continue to rise sharply, prices will tend to stay flat or fall slightly.

Meanwhile the California market is looking vastly different from a year ago. In Sacramento and San Diego the market is cooling rapidly. In California it now takes an average of six months to sell a home. I was not that long ago that in some California markets, homes were selling in one weekend.

In California the average home now costs over $500000. This is out of reach for many families. The pressure is now on housing prices to come down in some areas. Higher interest rates, slower sales, home prices beyond the reach of the average family all point to falling prices in some areas.

Another scenario is that home prices will remain flat until wages catch up.

As the market changes, more and more homeowners are getting caught in foreclosure. As prices appreciated quickly, homeowners who could not meet their mortgage obligations benefitted from an increase in equity. That will not be the case in the coming years. There are a number of sites dedicated to homeowners wanting to sell their homes without a Realtor, investors looking for deals, and agents looking for new business. RealtyTrac is one such site. Here you can find home bargains, sell a home without an agent, and discover your homes value.

Andrew Goldman is president of Metal Rabbit media services, the operator of http://www.Exchangetradedfundinvesting.com and http://carealestateinvest.com He has written a number of articles on finance and investment over the last ten years.