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- Sarasota Foreclosures - Beware Home Warranty Scams & Gotchas! [1 Update]
- Sarasota Foreclosures - 3 Foreclosure Prevention Strategies Delay Or Stop Foreclosure! [1 Update]
- Sarasota Foreclosures - 3 Big Mistakes Kick Home Owners to the Curb! [1 Update]
- Repair Credit Fast Secret Weapon Hands Brent Keys to First Home! [1 Update]
- Sarasota Foreclosures - How Renters Force Landlords Into Foreclosure! [1 Update]
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- "Mike Payne" <submissions@isnare.net> Mar 28 08:20AM +0800
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Article Title: Sarasota Foreclosures - Beware Home Warranty Scams & Gotchas!
Author: Mike Payne
Word Count: 723
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Sarasota foreclosures hit the market with all kinds of surprises – both good & bad. You might discover a deal of a lifetime or you might buy yourself a money pit. To be safe, you must thoroughly inspect the property and buy a home warranty.
However, beware throwing your money away on a home warranty. Louise H. of Englewood, Florida, shares 5 home warranty buying tips and "gotchas" she discovers the hard way.
For 8 years, Louise paid for a home warranty, always paying on time each year for peace of mind. All in all, Louise paid nearly $4,000 on annual home warranty premiums…and she gladly wrote the check each anniversary.
Louise paid to cover costly home repairs she couldn't afford without the home warranty.
She relied on her home warranty to cover costly home repairs:
1. AC system running about $5,000 to replace
2. Water heater running about $600 to replace.
3. Minor roof repairs easily running into $100s
4. Ice maker on a refrigerator requires $250-$300.
5. Microwave or dishwasher replacement is cheaper than repair ~$300.
Louise believed if a technician couldn't repair the problem, the most Louise would pay was the $75.00 co-pay /visit. That's how it was supposed to work…or so Louise thought.
After 8 years of paying premiums, Louise faced the unexpected.
Her AC broke down on a hot, humid July day in Florida. Do you have any idea how miserable Florida is in the summer?
Louise called Globe Home Warranty, which quickly dispatched an AC Technician. The old air handler (the unit in the garage hanging from the ceiling) and "duct-taped" compressor (the unit on a cement pad at the side of the house) had taken their last breath.
There was nothing the technician could do to repair both units. Okay, Louise thought, Globe Home Warranty would authorize replacement. To Louise's shock, Globe Home Warranty refused to authorize replacement.
This, my friend, is the "gotcha" no one at Globe had ever disclosed to Louise…not once…not ever before. Globe Home Warranty rejected Louise's claim because Louise did not have a professional service agreement on the HVAC system.
Not having a service agreement with a licensed HVAC contractor gave Globe Home Warranty an easy out…to a loyal customer who had paid Globe Home Warranty for 8 straight years with no other claim.
Before you blindly buy a home warranty (even a home warranty recommended by your realtor), do just a little homework:
1. Contact your local Better Business Bureau
2. Confirm www.badbusinessbureau.com
3. How much time do you have after closing on your new home to buy a home warranty? Many home warranty companies will not sell you a home warranty outside of escrow, whether you're a buyer or a seller.
4. Ask "what if…" questions & get answers in writing. That is, what if my a/c goes out one day…one week…or even one month after I move in? How many co-pays will I have to pay before you replace?"
5. Talk to neighbors, friends & co-workers about their home warranty.
By no means is this an indictment of Globe Home Warranty. Many home owners over the years report similar rejection from other well-known home warranty companies as well. This is just one gotcha. Get 10 more "must-have" home warranty REALITY tips @ www.sarasotahomesforsalenow.com. I don't want to see you pay diligently for 8 years, only to face a home warranty company's "gotchas." Louise felt betrayed…and rightfully so.
Sarasota foreclosures especially demand careful inspection on top of a home warranty. Instead of a home inspector, you might consider a licensed roofer, A/C contractor & electrician if you notice electrical fixtures appearing "ripped" from their mounts. A legitimate home warranty easily will provide the peace of mind you desire. Don't rely on your home inspector to tell you when an appliance, A/C, plumbing issue or pool pump will stop working. Without a home warranty, any one of these issues will empty your wallet to repair or replace. If you or someone you know wants to buy or sell a house in or around Sarasota, Florida, please call me now. I want to be your realtor.
About The Author: http://www.sarasotahomesforsalenow.com Sarasota Realtor Mike Payne helps homeowners avoid Sarasota foreclosures. Mike and team also assist buyers and sellers in or around Sarasota (FL) including Siesta Key, Longboat Key, Lakewood Ranch, Bradenton, Palmetto & North Port. Contact Mike at 941-914-9980.
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- "Mike Payne" <submissions@isnare.net> Mar 28 08:00AM +0800
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Article Title: Sarasota Foreclosures - 3 Foreclosure Prevention Strategies Delay Or Stop Foreclosure!
Author: Mike Payne
Word Count: 642
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Three foreclosure prevention strategies help struggling property owners stall or avoid foreclosure. Whether you or someone you know is facing foreclosure, please understand your options and seek qualified advice.
To start, consider free help available locally and through the government. Contact HOPE NOW immediately to see if you or someone you know qualifies for help: 888.995.HOPE. Hope Now, a coalition of lenders, have come together to work out mortgages & keep families in their homes.
Clearly, homeowners benefit from foreclosure prevention help. However, it's not just home owners who benefit from foreclosure prevention. Debt owners such as banks benefit from keeping homeowners in their homes.
A foreclosure typically costs a bank 30% more than a short sale. In my own Sarasota, Florida, neighborhood, 7 abandoned houses continue rotting away, destroying the value of each property in addition to all the houses in the neighborhood.
One such property has been stripped, with "someone:"
1. Removing all appliances
2. Removing all upper and lower cabinets in kitchen and bathrooms
3. Removing all copper piping through walls
4. Flooding the house (and destroying all wood flooring and carpet with pool water drained into the house.
By the way, windows are broken...and maybe that's a slight blessing in disguise.
The once nice PVC fence is gone along with the air conditioning compressor.
By the time, the bank repossesses this property, the debt owner will acquire a liability worth one-third its previous value or minimum $100,000 since the house has been abandoned. Of course, I didn't mention mold.
For 18 months, this Florida house has had no ventilation…no AC at all. The cost of foreclosure extends beyond the debt owner's loss to all neighboring properties. The entire community suffers with foreclosure.
If Hope Now doesn't work for you, immediately implement strategy #2—call the National Association of Consumer Advocates @ www.naca.net. NACA is a group of consumer attorneys SPECIALIZING in foreclosure defense. It's been my experience that NACA attorneys specialize in foreclosure defense more so than local attorneys who only recently have turned their law practices into foreclosure defense to accommodate demand. Nonetheless, search your local area for experienced, proven attorneys specializing in foreclosure defense. In the last 8 months, I have discovered 3 very qualified attorneys in my local area. Very few attorneys specialized in foreclosure defense prior to 2007. The "good" attorneys are those who have invested time, money & energy to become proven advocates.
Strategy #3 calls for you (preferably your attorney) demanding your debt owner produce the "original note." This strategy alone currently is delaying a foreclosure for months longer than normal in judicial foreclosure states such as Florida. Florida is a judicial foreclosure state, meaning a foreclosure must go through the courts. Courts in my area are so jammed foreclosure proceedings are taking months longer than normal. It's not unheard of for a debt owner to take 18-36 months to foreclose. The other day, I oversaw a cash-for-keys exchange, where the homeowner volunteered the keys in exchange for cash.
She agreed to leave the house in broom-clean condition.
She had been living in the house rent free since July 2008.
Sarasota foreclosures dot nearly every neighborhood in Sarasota, hammering all other home owners' property values. Foreclosures cost everyone, including the neighbors. These 3 strategies offer a glimpse of the help available to you or someone you know for avoiding foreclosure. If you and your qualified counsel determine short selling your house is in your best interest and you are in the Sarasota (FL) area, please call me now. I will short sell your property for you...at no cost to you. Should you qualify for a short sale, the bank pays me to short sell your property.
About The Author: Sarasota Realtor Mike helps homeowners avoid foreclosure. Mike and his team also help buyers and sellers avoid costly mistakes as property values drop and 30-50% off 2006 "bubble" prices are not the bargains they appear to be. Contact me now at 941-914-9980 or http://www.sarasotahomesforsalenow.com
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- "Mike Payne" <submissions@isnare.net> Mar 28 07:50AM +0800
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Article Title: Sarasota Foreclosures - 3 Big Mistakes Kick Home Owners to the Curb!
Author: Mike Payne
Word Count: 561
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Sarasota foreclosures punish homeowners who fail to respond to emotional and technical challenges required to save a home.
No question, facing foreclosure overwhelms most (normal) bullet-proof people. Even people who typically stand up quickly to all life's challenges, foreclosure adds more stress – especially if kids are involved.
With kids, you want to insulate them from uncertainty. You want to keep them in their schools and around their friends.
On top of emotional challenges, you must call on proven, experienced people to help you save your home and/or avoid foreclosure.
Proven, experienced realtors, attorneys & tax professionals advise you on what's BEST for YOU. As bad as it is to lose a home and possibly uproot your kids, you don't want debt collectors to chase you for up to 20 years.
You need to understand 3 common, costly mistakes many homeowners make with Sarasota foreclosures:
1.Florida is a RECOURSE state, which means the borrower can be liable for deficiency after foreclosure or short sale. In other words, the debt owner can go after the borrower even after the borrower loses the house.
a.In fact, a debt owner legally has 5 years in Florida to pursue judgment against borrower and up to 20 years to pursue collections through bank (account) levy and/or wage garnishment. Clearly, judgments are BAD.
2.Most people facing foreclosure are not able to confront reality for months after they are served default paperwork.
a.By the time the homeowner calls me, he/she (or they) usually is 3-5 months behind in payments. Please don't misunderstand me here; I definitely understand. Usually, it's not (just) foreclosure fears. It's loss of job. It's health. Something drastic has happened to cause financial hardship.
3.Most homeowners in distress do not talk with an informed real estate attorney and tax professional. Very dangerous!
a.You need an attorney to protect your rights & serve your best interests.
i.For instance, your attorney must (should) respond to the Complaint when you are served that stack of "foreclosure" paperwork by the process server. In Florida, you have 20 days to respond.
ii.Your attorney and tax professional will advise you on the best option for you.
iii.Your attorney will ensure you receive "full payoff & satisfaction" instead of the bank's common sneaky tactic.
Personally, I have faced foreclosure twice on investment properties. I understand the emotional side of facing foreclosure as well as the technical side.
On one hand, you need to muster the emotional strength to face this challenge.
On the other hand, you carefully need to pick your advisers. You need proven, experienced advisers including a Realtor, attorney & tax professional.
Sarasota foreclosure prevention requires 3 essential parts: 1. You must face foreclosure reality as quickly as possible – the quicker the better. 2. You must work with proven, experienced people and 3. You must be lucky. Yes, you need luck on your side as fortitude and strong advisers. If you or someone you know is facing foreclosure, please contact me now to discuss your situation. Further, if you or someone you know wants to buy or sell a house in or around Sarasota, Florida, please contact me. I want to help you.
About The Author: Sarasota Realtor Mike helps homeowners avoid foreclosure. Mike and his team also help buyers and sellers avoid costly mistakes as property values drop and 30-50% off 2006 "bubble" prices are not the bargains they appear to be. Contact me now @ 941-914-9980 or http://www.sarasotahomesforsalenow.com.
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- "Mike Payne" <submissions@isnare.net> Mar 28 07:40AM +0800
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Article Title: Repair Credit Fast Secret Weapon Hands Brent Keys to First Home!
Author: Mike Payne
Word Count: 593
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Forgetting to pay a credit card bill is not cool, especially when you're trying to get approved for credit.
Brent Morris clearly screwed up while trying to bank qualify to buy their first home.
Brent overlooked a credit card bill, causing the card issuer to hit Brent with a 30-day late.
No courtesy phone call requesting payment.
No warning letter informing Brent and his wife that failure to pay could harm their credit and result in debt collections.
When Brent contacted me, you could hear the desperation in his voice. They were in escrow to buy their home, expecting to close in less than 2 weeks.
He couldn't believe he had overlooked a credit card bill.
He couldn't believe one 30-day late could drop his middle FICO credit score 60 points.
He also couldn't believe customer service wouldn't give him a break. According to Brent, they had been long-time customers, making on-time payments on this card for 6 years.
For Brent, this was an ugly introduction to credit reality…from the wrong side of the fence. They definitely needed to repair credit fast!
To help Brent and his wife at the 11th hour, I agreed to help but could NOT guarantee results…when it was so late in escrow.
I explained to Brent and his wife the success my customers, family, friends and I have had with one powerful letter strategy.
It's not just any old letter. It's the right letter with the right wording, sent to the right people using the right mailing technique.
Brent gave me the details.
Given more time, I felt 99.9% confident. With such short notice, I couldn't be as confident.
That same day, I completed my research, wrote and "mailed" my letter. In less than 14 hours, Brent received a call from the executive assistant inside the executive office of Amalgamated Bank-Mastercard (his credit card issuer).
To Brent's and his wife's shock, Amalgated DELETED the 30-day late, faxing Brent written confirmation.
Brent's mortgage guy quickly did a "rapid rescore," allowing Brent and his wife (once again) to get excited all over again about the opportunity to own their very own home.
Certainly, as you can imagine, Brent and his wife were so grateful—unbelievably grateful—for what I did to help them.
They had set their hearts on grabbing the keys to their very first home. It was a big deal to them. Therefore, it was a big deal to me too.
You and I both know Brent and his wife could have found another "dream" home if this one hadn't worked out for them.
For many people who don't know what to do, their dreams (can) break apart with one 30-day late. For many people, the hit can be as high as 90-100 points.
By the way, my customers, family, family & I use this very same letter strategy to resolve ANY issue with any business. On my DVD, 8 SECRETS TO A 680 CREDIT SCORE!, I share the exact step-by-step technique and the letter template I recommend.
Repair credit fast strategies (can) work if you know and take action on the exact strategy. This is one technique you will be able to use over and over again, possibly saving your home as happened with Brent and his wife.
About The Author: Bad Credit Repair Coach Mike Payne helps people improve their credit and grab the keys to their new homes...as quickly as possible...using 100% LEGAL & effective strategies. Check out Mike's DVD "8 Secrets To A 680 Credit Score!" @ http://www.fixmyuglycredit.com
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- "Mike Payne" <submissions@isnare.net> Mar 28 07:30AM +0800
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Article Title: Sarasota Foreclosures - How Renters Force Landlords Into Foreclosure!
Author: Mike Payne
Word Count: 878
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Sarasota homes are held hostage by greedy renters! If you are renting, this may or may not upset you. If you are a landlord who needs to sell a house, beware renters turning Jekyll-Hyde on you.
In the news, we hear only of renters victimized by greedy, unscrupulous landlords who default on the mortgages, leaving renters to come home one day to EVICTION notices taped to the front door.
For people renting, this is horrible. They have paid their rent on time each month.
They have abided by all terms of the agreement. Now they're being evicted unceremoniously, without advance notice.
Make no mistake, this is horrible. However, the nightmare tenants suffer when greedy landlords steal tenants' money is overshadowed by the horror squatting tenants cause landlords desperately needing to sell.
Recently, I experienced the ugly side of renters who held a house hostage, preventing the sellers (who were facing foreclosure) and me (the Sarasota foreclosure realtor) from short selling it:
• The renters had lived in the house for over 3 years on a lease option.
• The lease and option had expired after 15 months, resorting to a month-to-month agreement.
• In 15 months, the tenants had not improved their credit enough to bank qualify.
• Instead of kicking them out, the sellers remained loyal to the tenants who still wanted to buy the house.
• Suddenly, the sellers' house payment jumped as house prices began crashing. The sellers contacted the tenants, informing tenants the sellers could not continue making the house payment.
• At that point, the tenants committed to buying the house at market value, $1,000s LESS than they initially had agreed to pay for the house.
• With my help, they improved their credit beyond minimum middle score requirements.
• They signed the contract to purchase as I prepared and submitted all short sale paperwork.
The sellers contacted the tenants, requesting the tenants NOT send rent payments to them since they weren't making their payment. Instead, the sellers, knowing the tenants had not saved for their down payment & closing costs, gave the tenants an honorable opportunity to save money during short sale approval.
During the 3-4 months it took for short sale approval, I kept the tenants (my customers as well on the contract to purchase) apprised of negotiations. Little did the sellers or I know that these tenants had been shopping for a different house, though under contract to purchase the house in which they had been living.
When short sale approval came, these tenants refused to close or to move out. They hired an attorney who used the clogged courts and loopholes to allow these tenants to squat in this property until they closed on the house they were purchasing.
The sellers and I contacted numerous attorneys, each one commiserating but needing $10,000-$20,000 upfront (retainer) just to take the case. In these attorneys' minds, if a property owner cannot make his/her house payments, how is the property owner going to pay the attorney's fee?
True. The sellers didn't have the money.
Those tenants intentionally forced a school teacher and her husband into foreclosure, after all the school teacher had done to help them with a lease option, not taking their rent payments & not withholding the truth about default.
In return, these renters turned in to squatters, holding the house hostage & using the legal system to continuing living rent free.
Sounds hard to believe, doesn't it? I never thought such greed and disregard for others could take place.
No doubt, many renters are victimized by greedy landlords facing foreclosure. They're forced out. They're losing their deposits. They're forced to find another house, hopefully in the same school district, in the same condition & at the same or lower rent.
However, what we don't hear on the evening news or read in the local newspapers are the renters who squat, using the legal system to prevent a property owner from short selling the property.
No question, more tenants are victimized than landlords. I don't have the numbers, but I'll concede this probability. In my mind, numbers don't matter if it's YOUR ox that is gored. In this case, I witnessed the unabashed greed of two tenants who intentionally (and with malice) forced a school teacher and her husband into foreclosure while under contract to purchase the subject property.
Whatever you do, don't think discounted prices 40-50% LESS than 2006 highs automatically points to a great buying opportunity. You do not want to be unpleasantly surprised the "deal" is not really a deal. Contact me now if you or someone you know wants (or needs) to buy or sell a house in or around Sarasota, Florida.
Sarasota homes, including homes throughout Florida, fall into foreclosure unnecessarily when greed controls people's actions. Will there be a day of reckoning when these egregious actions get judged by a power much higher than any judge? We only can hope. In the meantime, I will continue to help buyers (including investors) and sellers using my proven experience.
About The Author: Sarasota Realtor Mike helps homeowners avoid foreclosure. Mike and his team also help buyers and sellers avoid costly mistakes as property values drop and 30-50% off 2006 "bubble" prices are not the bargains they appear to be. Contact me now at 941-914-9980 or http://www.sarasotahomesforsalenow.com
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Article Title: Sarasota Foreclosures – How John's 3 Home-Buying Mistakes Destroy Family's Dream!
Author: Mike Payne
Word Count: 647
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Sarasota foreclosures force some buyers to make poor buying decisions. Just ask John from New York, who allowed 3 mistakes to destroy his family's dream.
You are about to discover John's 3 costly mistakes. If you plan to buy a home, please don't repeat John's mistakes.
John, a native New Yorker, was relocating his family to Florida. He needed to be relocated in 43 days, and he needed to stay under $300k.
Staying within budget was much easier than finding & closing on his "perfect" home in 43 days. Perhaps it was John's unrealistic time table that created these 3 serious mistakes.
Whether one or all three mistakes, John's family will not (now) relocate to Florida as planned:
Mistake #1 is that John chose (despite my concerns) to offer list price on a house declining in value by 3% a month. Quickly, he found a home he liked. Reality was, 30% of the neighborhood was renting & every other listed property was distressed.
Number 2 mistake—John refused to get a home and/or systems inspection. Without doubt, the house had issues including but not limited to water intrusion. Water stains and mildew odors greeted us at the front door. That alone was scary, as water intrusion often means mold.
Number 3 mistake—John did not choose a qualified mortgage professional. Of the 3 mistakes, this might be the most damaging mistake. The first time I talked with John, I iterated the importance of getting pre-approved. He waved me off, claiming "his mortgage guy" had him covered.
As you can imagine, I've heard that a few times before. John gave me permission to confirm with his mortgage guy who assured me John was good to go, faxing me a copy of an approval letter. Clearly, John's mortgage guy was wrong.
Once John submitted his offer, John's mortgage guy could not get John financed. John was not going to meet his time line. On the bright side--and there always must be a silver lining--the house John was prepared to buy at list price was filled with mold—serious mold—and required $1,000s to mediate.
I found out later when an investor-friend bought this exact house for HALF what John was prepared to pay. FIVE-ZERO...half. You see, my investor-friend did his due diligence BEFORE he wrote an offer. He submitted this PROOF with his offer.
What else could the bank do but accept this offer? What other buyer would make full market offer on a house filled with mold? And the bank knew most buyers are scared to death of mold. Whether you think one mistake was more serious than the other 2 is not important now. What is important is that John's family did not meet their own home.
Last I heard, unresolved issues are continuing to keep them from getting financed. I can't stress it enough...and I feel horrible each time this happens to a family setting its sights on buying their "dream" home in Florida. Please listen to your Realtor's advice. At least hear us out: we've been through this many times. We've faced mortgage people who tell us everything is okay...when it's NOT okay.
We've strongly recommended buyers get a home inspected and buyers reject a home inspection over $400 or because they've fallen in love with the house and don't want a home inspector to "ruin it" for them.
Sarasota foreclosures lure some buyers into hasty (read: poor) buying decisions. They think it's too good of deal to pass up. In John's case, he combined 3 serious mistakes to destroy their planned relocation. Hopefully, they'll get here soon. If you plan to buy or sell a house in or around Sarasota, Florida, please visit my website now to contact me. I want to be your Realtor.
About The Author: http://www.sarasotahomesforsalenow.com Sarasota Realtor Mike Payne helps homeowners avoid Sarasota foreclosures. Mike and team also assist buyers wanting to buy in or around Sarasota, Florida, including Siesta Key, Longboat Key, Lakewood Ranch, Bradenton, Palmetto & North Port. Call Mike now.
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Article Title: Sarasota MLS - Don't Buy Or Sell A House Until You Discover These 4 Costly Misconceptions!
Author: Mike Payne
Word Count: 810
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House hunters and sellers beware - the Sarasota MLS might not be what you think it is!
Whether confusion or misconception, buyers and sellers potentially are losing $1,000s due to 4 potentially costly Sarasota MLS misconceptions.
The number 1 misconception is that Internet listing sites such as Trulia, Zillow & all other national sites OFFER ALL LOCAL listings. Unbeknown to most house hunters (and to sellers as well), real estate websites like Trulia, Yahoo Real Estate & Zillow do not have access to all homes for sale in the neighborhoods and markets of interest to you. Do you know this? What if your dream house is for sale but the big sites aren't telling you it's for sale? Of course, you want to know....
Number Two Mistake - Many buyers believe they have to dial the real estate agent whose name appears on the sign in the front yard. Not true! You are allowed to work with any real estate licensee you choose. Let me be clear - you can work with any licensed real estate agent you choose as your buyer's agent. All real estate agents can log in to their Sarasota MLS account to research and show you any property currently listed for sale...in or around Sarasota (actually, we can see all properties from Punta Gorda to Sarasota to Tampa to Orlando and all areas in between). Are you clear on this? You can work with any real estate agent you choose to help you buy your first home; second/vacation waterfront condo; luxury Sarasota real estate or "family friendly" home. Doesn't matter your need; MLS shows ALL properties currently listed for sale with a realtor/brokerage company.
The third misconception occurs with realtor websites demanding forced registration to search Sarasota MLS. Many buyers and sellers hate being forced to "register" to search without being "hassled" or "sold to." Forcing buyers and sellers to sign up before searching the Sarasota MLS is not cool - I don't believe in it.... However, in all cases of which I'm aware, realtors and real estate companies requiring a sign-up just want to provide you with more information about Sarasota, buying or selling. I'm not aware of any realtor hassling a buyer or seller who is forced to register simply to search Sarasota MLS. Here's what's cool: if you despise forced registration, go to my website where you can search FREE to your heart's desire. No forced registration; TONS of great information about Sarasota (schools, town, entertainment, dining, recreation, beaches, etc).
The fourth misconception I hear from buyers and sellers is that realtor/brokerage company websites show ONLY that realtor's or that company's listings. Not true! Except for the big "box" sites such as Trulia, Zillow, etc that might not show you all Sarasota homes for sale, you ARE seeing the entire Sarasota MLS at (most) real estate agents' sites. I can't speak for all realtor or brokerage company websites, however. At my website, you freely and privately can search Sarasota MLS 24/7/365. By the way, are you aware my website allows you to search properties not just in and around Sarasota but also in Punta Gorda, Bradenton, Tampa, Lakeland, Orlando & all areas in between? You don't have to search just Sarasota.....
Search the MLS on my website if you're just curious or aren't serious about selling or selling (yet) - that's cool. All properties appear provided they're listed with real estate licensee. FIZZBO (that is, "for-sale-by-owner") properties do NOT appear on the Sarasota MLS.
You really can research your first or next home from the privacy of your home...wherever "home" is - in Sarasota or across the world. You don't have to worry about a realtor breathing down your neck.... From my website, you also can discover Sarasota and Sarasota real estate market analysis (including how to buy and sell "smart") through TONS of videos, blog posts & photos. If you're new to Sarasota, please don't think 40-50% off 2006 home prices automatically spells a great deal. You need a realtor who will not rush you to the closing table. You need to be an informed buyer or seller.
House sellers who need to sell demand good information AND a realtor who understands today's market...filled with short sales and other distressed properties. From my website, please contact me for help with selling or buying a house. Questions? Comments? Contact me know through my website if you have Sarasota real estate questions.
Sarasota MLS reports nearly 80% of all house hunting begins on the Internet? No doubt, that number is climbing each year.
Understanding the Sarasota MLS helps buyers and sellers alike, not just realtors. Hopefully, Monica and you now understand more about Sarasota MLS. When you want to buy or sell a house, please call me.
About The Author: Mike Payne, a Sarasota realtor, helps homeowners avoid foreclosure. If you or someone you know is facing foreclosure, please contact Mike now at http://www.sarasotahomesforsalenow.com.
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Article Title: Who Turned The Light (back) On Sunny Florida's Housing Market?
Author: Mike Payne
Word Count: 882
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House hunters shut out of the recent housing boom are smiling from ear to ear.
Unless you've been lying beside Rip Van Winkle for a couple years, the country is in a buyer's market with a 7.2-month supply of homes for sale. Anything more than a six-month supply means an advantage for buyers.
No more craziness in the market. No more rushing to submit an offer *above* the list price and with no contingencies.
Depending on your part of the country or even your part of the state or town, the housing market has not tanked.
Sure, more For Sale signs dot your favorite neighborhoods. However, please don't think that this "buyer's market" entitles you to waltz in with a low-ball offer and scoot out with a signed contract.
If you're interested in escaping the frigid North to the Sunny South, the National Association of Realtors (NAR) forecasts a sunny outlook for homeowners.
This "new" market of the South features more affordable homes prices, continued job growth above the national average, and historically low interest rates. Your parents and grandparents simply cannot believe it's possible to pull a ~6% rate on a 30-year fixed home loan, can they?
To assure you it's a good time to buy a home in the South, the NAR offers the Housing Affordability Index, which looks at home prices in an area, along with salaries, the percentage of income homeowners are spending on a mortgage and a host of other factors.
This index provides a pretty good indication of just how much home you can buy. And this is one index where, to get the most home for your dollar, you want to see the highest number possible.
To break it down, a score of 100 means that if you are earning the area's median income you can afford to buy a median-priced home. And if the number is 125, it means that you have 25 percent more income than is necessary to buy a typical median-priced home.
Make sense?
In the Sunny South the index was 119.8 -- 5.1 percent *above* 2005 numbers. Parts of the Midwest recorded a 150, but who wants to scoop snow, scrape ice, pay outrageous heating bills and not see or feel the sun for months?
C'mon, do you really want to be an Eskimo for six months? Wouldn't you rather be golfing, lounging in hammock at the beach, sitting in shorts and tee shirts on your screened lanai sipping lemonade and enjoying a warm breeze...in January and February?
In that case, what good is a 150 for the Midwest. Despite the 150, people are not waiting for spring to pack the moving trucks and drop a couple resumes on Monster.
Enough already of the snow, the ice, the wind, the gray skies, the heavy clothes, the slipping & sliding, the numb fingers, the dry-chapped lips etc. ---- they've had enough of the brutal arctic weather hammering the North.
They've had enough!
Across the Sunny South, the median home price is $181,700, but if you're looking in the Miami-Fort Lauderdale area you will see median prices of $366,800.
While the housing market in Florida, in particular, catches its collective breath following five years of dizzying, unprecedented price increases, house hunters – with a little patience and strong negotiating skills – are finding some "good" deals.
As a whole, the NAR predicts home prices will increase 4 to 6 percent in 2007. This is more like it…reasonable, sustainable growth.
Southerners are also spending a smaller than average portion of their income on their mortgage payments. In the South, a home owner devotes approximately 20.7 percent of income to that mortgage check, according to NAR numbers. The national average is 23.6 percent.
If you want to live with Mickey Mouse, enjoy the Atlantic Ocean on the east coast of Florida or the Gulf of Mexico on the west coast of Florida & abundant outdoors entertainment year round, you will pay more for your new "way of life".
How much more?
In Orlando, buyers are seeing median prices of $272,100, according to NAR's most recent statistics.
Sarasota – the amazing tropical playground of the "rich & famous" – boasts a $301,300 median home price. The small town "feeling" coupled with incredible boating, arts, entertainment, and a vibrant economy makes Sarasota, FL, the jewel of Southwest Florida.
For college basketball fans, the Sarasota area is home to Dick Vitale, Mr. College Basketball for ESPN.
By the way, the "expensive" median homes in the area include:
* Washington, DC/Arlington/Alexandria, (DC, Va., Md.) – $421,600
* Miami/Fort Lauderdale/Miami Beach – $366,800
* Sarasota/Bradenton/Venice, Fla. – $301,300
* Baltimore/Towson, Md. – $277,900
Stop dreaming about spending more pleasant time outdoors and find your dream home today while Florida catches its breath. With each hard winter, Florida and other southern states welcome more people to this year-round oasis.
Join other smiling homeowners in Florida who, despite being shut out of home ownership during the boom, are living in their dream homes purchased for less money and with the same great interest rate.
Got those bags packed yet?
About The Author: Florida's "blue light" buying specials exist in a Florida town near you. Shop & buy now. Buying your new home in a buyer's market will reward you when the market heats up. Visit Realtor Mike Payne, who practices creative financing and negotiating strategies @ http://www.asolution4you.com
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Article Title: Children Facing Foreclosure And Homelessness Beg Your Understanding!
Author: Mike Payne
Word Count: 770
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It's just business, Kyle & Kayle. We're sorry. We never intended for this to happen. Your parents will take good care of you. Homelessness is like camping out. You'll be okay. We want you to know, we are not in the business of stealing homes from children. It had to be this way.
Kim & Joe M. of Orlando, FL, fell victim to the shrinking house market. Both worked in financial services, Kim an administrative assistant at Wells Fargo and Joe a loan officer with a bank.
For five years, they stayed busy and saved money.
In July 20005, Kim lost her job…downsized. Wells Fargo didn't need her any longer. Not as many mortgage applications. Kim's job search lasted three weeks before she found a replacement for 75% of what she had previously earned.
In September, Joe suffered an auto accident, putting him out of work for six months and without an income as the insurance companies battled it out.
Kayle, 6, and Kyle, 8, knew something was wrong. Mom and Dad were preoccupied. Money was tight.
Kim and Joe and their two children quickly fell victim to bad luck and a slumping housing market. They fell behind in their mortgage payments on the same house in which they had lived for eight years. No irresponsible overspending here. No new BMWs; no Rolexes; no expensive vacations; no extravegence at all.
Joe got hurt…he couldn't work. Kim lost her job…she couldn't recover lost wages. Kyle and Kayle watched on…helpless.
According to the American Banker's Association, most people have less than 3 month's worth of cash in reserve.
Despite eight years of perfect payment history, Kim and Joe's mortgage company refuses to work with them. They've received a Notice of Default.
The foreclosure of your home can lead to the bank seizing your property, your cars, your stocks, your kid's college savings! Even the IRS can get involved with wage garnishment or levying your bank account. Kyle and Kayle watch on…helpless.
The National Association of Mortgage Banker's (NAMB) records show that more mortgages go into foreclosure 3-5 years after issue than at any other time. Credit is trashed and families are scarred.
Children, the most innocent victims of unfortunate tragedy, watch on…helpless.
Kim & Joe's horror will haunt them for life. More than 40% of borrowers took an adjustable mortgage in the past five years . Many of them have children.
Those "teaser" rates of 5% or less are set to explode their mortgage payments by 25-33% or higher when they adjust. In 2006, over $300 Billion dollars worth of mortgages will adjust with $1 trillion more in 2007, according to Freddie Mac, the secondary mortgage lender.
Homeowners are upside down…they have no equity. Some mortgage lenders, who shouldn't be in the real estate business, appear to want to take homes from Kyle and Kayle.
They appear not to want to work out payment plans to help families victimized by bad luck and a slumping housing market.
Adding insult to tragic injury, Kyle & Kayle learned about "deficiency judgment". The bank sold their home…the home where Kyle was born…the sale didn't cover the amount Kim & Joe owed.
The proceeds of the sale did not cover the total owed the bank, including legal fees, administrative fees, fee this, fee that.
If the bank cannot recoup their deficiency from you, Kyle & Kayle, and if your state will not allow a deficiency judgment, the lender will write the deficiency off on their taxes.
However, kids, the pain doesn't stop there. Now the IRS may enter the picture. This "deficiency" amount not collected by the lender is considered money you owe.
They will add it to your annual income and expect you to pay taxes on the total amount. This is business, Kyle & Kayle. Nothing personal. You'll get over it, Kids.
If your parents cannot pay, the IRS can come after everything you own, including your mom's & dad's paychecks.
Kim & Joe sought professional help as suggested. Kim & Joe's lender chose not to help them save their home. Tragedy strikes not just once but repeatedly, oblivious to children.
It's business. Real people with real children (scarred for life) lose their homes, get hit with a deficiency judgment & meet the Gestapo (the IRS).
It's not just the irresponsible overspenders carelessly losing homes to foreclosure. Some are real people with real children.
About The Author: Realtor Mike Payne helps people with a home following the trauma of foreclosure @ http://www.asolution4you.com/renttoown.html. Mike Payne's credit repair "experts" give away free credit repair secrets, tips & strategies FREE at http://www.fixmyuglycredit.com
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Article Title: Foreclosure Storm Gathers Strength – Fannie Mae Rushes To Rescue Desperate Families!
Author: Mike Payne
Word Count: 562
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1.5 million homeowners face potential payment shock & foreclosure in the coming months unless.....
Jim & Sally Martin of Jacksonville, Florida, are staring down this violent foreclosure storm – they will lose their home. They have fallen behind three months on their mortgage payments…they cannot catch up…and they cannot get help from their lender.
"My family has lived a nightmare for two years," reflects Jim on his family's struggle to cope with a financial nightmare and the impending loss of their home.
Amidst this potentially devastating national disaster, Fannie Mae, a major "investor" of home mortgages, plans to introduce new loan programs to lenders, hopefully keeping families in their homes.
"We have two children, ages 6 and 9…they're just children and we're putting them through this Hell," Jim said while shaking his head.
Sadly, the Martins join more than 1.5 million homeowners (many families with children) facing foreclosure.
Help may not arrive in time to rescue the Martins, casualties of more than $300 billion dollars worth of mortgages (adjustable rate mortgages) resetting from the "teaser" rates and exploding the Martin's monthly mortgage payments from $1700.00 per month to $2,300 per month.
"We have fallen and right now we just can't get up," said Jim.
"We're beyond the shock right now. We're trying to keep our heads and protect our children. Our lender cannot do anything to help us. No payment adjustments. No loan restructuring. Nothing. We can't refinance. We don't have any money to pay the fees and we're upside down."
Code-named "HomeStay", Fannie Mae is trying to get lenders (with whom Fannie Mae works) to refinance homes without first having to clear up borrowers' unpaid bills on their credit reports, albeit too late for the Martins.
Fannie Mae's HomeStay will stretch the loan term for this refinancing product to a maximum of 40 years from a current limit of 30 years, which stands to reduce monthly payments by about 5 percent.
In the meantime, there's a bunch of red tape to untangle. Rules that govern these bonds sometimes prevent lenders from reaching out to borrowers until they are 30 days late on their payments.
Typically, a mortgage lender allows 90 days or three missed payments before issuing a Notice of Default to a homeowner delinquent on its monthly mortgage payments.
"As bad as it is to go through foreclosure…and I wouldn't wish it on anybody….we will survive. My family will survive," Jim added.
"This whole mess snowballed on us, what with the house payments jumping around $600 per month, my wife getting sick and missing work & and the van breaking down."
As bad as it is, the Martins may face even more bad news is the foreclosure sale cannot repay the lender the outstanding balance.
In the next issue, we'll explain how the Martins and countless other families discover the definition of "exculpatory clause," "summary or default judgment" & other damaging legal terms further complicating an already horrible nightmare.
Sooner rather than later, unintended victims need help.
Foreclosure is more than taking a "house" away from a family; in many cases, it's taking a "home" away from a family with children. These families need a solution now, as this violent financial storm gains strength before our eyes.
About The Author: Are you suffering from bad credit? Sign up now for free credit repair at http://www.fixmyuglycredit.com
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Article Title: Types Of MCSE Training That Is Available
Author: William Campbell
Word Count: 521
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Today even more than ever MCSE training is becoming a by word for excellence in the world of IT. As it is growing ever more important for employees to be proficient in the use of technology products such as those produced by Microsoft who are one of the most dominant of all so there has been a rise in the types of training that is available. Below we will look at a number of different types of MCSE training that is now available.
1. Traditional Classroom Training
All the instructors who carry out this type of training are likely to be MCSE certified and may also be qualified as a Microsoft Certified Trainer (MCT). With this type of training you will find that the course follows the Microsoft Official Curriculum (MOC), but all students will also have access to the necessary Microsoft servers and system software that will be covered once they reach exam stage. Often classes can last for either 3 to 5 days or may last for several months. Generally the costs for these type of MCSE training courses range from about $400 and go up to as much as $5,000. But this cost will depend on what subjects are actually covered during the training as well as how long the course lasts for and finally what level of expertise the instructor has.
2. MCSE Labs
These encourage an hands on approach in relation to knowledge of the systems and applications which will be covered during an MCSE exam. Often many IT professionals will either use the equipment at their office or build a small network at home in order that they can understand the key points, as well as to practice concepts and material that they will be tested on when they eventually take the MCSE exam. Plus as there are online MCSE labs this is extremely cost effective as you do not need to buy the equipment yourself. All you do need is an IE browser so that you can experience particular Microsoft environments in order that you will know what is necessary to pass your MCSE exams. In most cases you will find that an online MCSE lab costs from about $100 and goes up to about $500 and this cost will depend on the subjects that you are covering and the length of the lab.
3. MCSE Online Courses
Many people find it much better to use this particular type of training as it can be found usually either a downloadable or streaming media. These particular courses attempt to cover the subjects by using multi-media presentation which includes slideshows, flowcharts and images in order to cover the material of the course. There are even some of the courses now being presented by MCSE certified trainers. As these courses are self paced you decide when you use them so that they can fit into your already hectic and busy schedule. Such an MCSE training course will cost between $100 and $500 to do, again it depends on the subjects that are being covered during the course and the actual time the course takes to complete.
About The Author: For more information on MCSE Training, visit http://www.mcsetraining101.com
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Article Title: Health Benefits Of Capsaicin
Author: Chris McCarthy
Word Count: 543
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The powerful ingredients within hot sauce accomplish far more than add spicy flavors to your food. You can purchase a wide variety of hot sauces online from web sites such as http://www.insanechicken.com. The power in hot chilli peppers may well impact your body in all sorts of positive ways from managing pain to the common cold. Capsaicinoids have been thought to prevent colds, because they activate the immune system preventing most bacterial attacks. Capsaicin stands out as the active ingredients in hot chilli peppers.
Capsaicin has been derived from from the genus Capsicum which is the common ingredient within not just hot peppers and medicines but also in police pepper spray! Hot sauces include this powerful ingredient that comes from the seeds in hot chillis. Fundamentally, capsaicin doesn't have a odor, and in 100 % pure form it can feel like a waxy substance. Capsicum has no coloration and is normally undetectable but by taste.
Capsicum is derived from hot peppers that include various pepper varieties including habanero cayenne, and jalapeño. Hot peppers can also help when looking for an energy boost. Capsaicin levels in hot peppers are high and are attributed to raising endorphin levels and improving mood. The health benefits of hot peppers are almost always linked to capsaicin. Capsaicin is known as a vasodilator, meaning it causes blood vessels to become wider. This increases the circulation and raises the body temperature, which then increases metabolism. The effect could also reduces body fat accumulation.
Capsaicin has many effects on our bodies. It may cause heartburn when tasting hot sauces as a result of increase in gastric acids but additionally provides a number of other beneficial positive effects on the overall body – for example managing joint discomfort. It's been utilized historically as elements of creams and products to ease pain and administered through the skin. The burning of the capsaicin will cause the epidermis to become numb. So how exactly does it accomplish this? The capsaicin gets ingested into the skin and is infused in to the nerves, numbing the nerves briefly causing the nerves to lose function – and therefore the pain is relieved.
The active element in many pain relieving creams is capsaicin, that depletes the amount of pa within the skin, when these levels of pa are reduced, the receptors that feel pain grow to be less potent. Capsaicin treatments are not just utilized to reduce joint and muscle tissue pain – but in addition to prevent itching, phantom pain, nerve pain and fibromyalgia.
Capsaicin could have the same effects on the pancreas as it has on the muscles – a numbed sensation and lowered function. This is the reason that capsaicin is in the process of getting researched as a cure or therapy for diabetes. Capsaicin numbs the cells – so, could it quite possibly have the same effect on toxic or diseased cells within the body like cancer cells
Research has been finished which have proven capsaicin to reduce tumour sizes by almost 80%!
Studies about the powers of capsaicin are happening continually – and these new treatments are uncovered it could change the way we combat everything from the common cold to prostate cancer.
About The Author: Chris McCarthy is the owner of http://InsaneChicken.com. Insane Chicken specializes in the the best hot sauces on the market including Mad Dog 357, Choke Your Chicken and Blair's Mega Death Hot Sauce.
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- "Chris McCarthy" <submissions@isnare.net> Mar 28 06:10AM +0800
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Article Title: Sushi – The Japanese Delicacy
Author: Chris McCarthy
Word Count: 619
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Sushi is a Japanese dish, popular all throughout the world. Sushi lovers, young and old alike, mistakenly think Sushi refers to raw sea fish. Sushi actually means vinegar-flavored rice and the raw food accompanying it are called Sashimi.
Types of Sushi Preparations
There are five kinds of Sushi preparations like Nigiri, Maki, Temaki, Chirashi and Inari Sushis. Sushi rice is the staple ingredient in all of them. The types are determined by the kind of fillings or toppings used. The same ingredients can be served, assembled in both traditional and modern ways.
-Nigiri Sushi is the most popular form of Sushi. It is served with an oblong mound of rice topped by wasabi and a thin slice of egg, seafood or any meat. While the egg is always served cooked, the seafood and the meat may be raw.
-Maki Sushi is served rolled in nori, which is a kind of pressed seaweed. The rice, seaweed and the toppings are rolled into a cylindrical shape using a bamboo mat. The roll is then sliced into various thick and thin pieces. The California and Boston rolls are examples of this Sushi.
-Temaki Sushi is similar to Maki except that it is hand rolled into a cone and is not chopped into small pieces.
-Chirashi Sushi: A rare Sushi, it consists of a bowl of rice with toppings of Sashimi or raw seafood or fish.
-Inari Sushi: Rare than even Chirashi are served as fried pouches of tofu stuffed with rice.
Ingredients for cooking up the best Sushi preparations
Rice: All Sushi preparations use short – grained Japonica rice mixed with a dressing of rice vinegar, sugar, salt, kombu and sake. The right stickiness is its essential quality.
Nori: These are wrappers made from sea weed, a type found in Japan. It is toasted before use. Nori by itself is edible. There are many kinds of 'nori' but the best quality is used in Sushi.
Toppings used in Sushi
Fish: For culinary, sanitary and aesthetic reasons the fish eaten raw must be fresher and of higher quality than fish which is cooked. In fact, professionals are employed to select the fish. Fish served raw are sea fish like tuna, mackerel and salmon. Fresh water fishes are cooked and never eaten raw since they are likely to contain parasites. The most valued Sushi ingredient is "toro", the fatty cut of tuna. Toro comes in many qualities.
Sea food: Squid, octopus, shrimp and various shell fishes are used for sea food.
Vegetables: Pickled Daikon radish, pickled vegetables, fermented soya beans, asparagus, yam, tofu and gourd are some of the topping vegetables.
Red meat: Beef, ham, sausage and horse meat, often lightly cooked, are used for toppings.
Eggs: Slightly sweet layered omelettes and raw quail eggs are used as toppings.
Condiments used for preparing Sushi
The three main condiments are:
- shoyu which is soy sauce
- "wasabi" which is the grated root of the "wasabi" plant. Real "wasabi", called "hon-wasabi" has anti-bacterial property which prevents food poisoning.
- "gari" which is sweet pickled ginger, cleanses the palette and aids in digestion.
Presentation is most important
Traditionally Sushi is served in an austere style in single or double tone colored plates. In smaller Japanese restaurants, plates are dispensed with, and the dish is had straight from the wooden counter. However in many places, particularly in US, a European sensibility has been imparted in to Sushi serving, resembling French cuisine.
About The Author: Chris McCarthy is the founder of InsaneChicken's http://www.insanechicken.com/hot_sauce.html and http://www.insanechicken.com/bbq_sauce.html Catalog. http://www.insanechicken.com
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Article Title: What Is So Special About Mongolian Barbecue?
Author: Chris McCarthy
Word Count: 507
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A Mongolian barbecue usually comprises raw seafood, thinly sliced meats, selected vegetables and enjoyed with rice. Mongolian barbecue is normally prepared on a flat metal surface.
To make the best Mongolian barbecue slice meat across the grain in 2-3 inch strips. Arrange meat and vegetable separately on platters. Prepare the sauce. Simmer soy sauce and garlic for few minutes in a saucepan. Strain and cool it. Add wine, sugar, ginger root, 2 cups of scallions or leeks, 2 cups of Chinese parsley. Refresh the sauce with some more scallions or leeks and parsley.
Assemble the barbecue and place the cooking appliance in the center table. Heat and grease the cooking surface. Scrape off the charred food bits and re-oil the cooking surface and resume cooking. Guests can put vegetables and meat on plates and place small portions on the cooking surface and spoon some of the sauce over the grilling food. Flip the food after one minute on the grill with chopsticks. Cook to the guest's desired doneness.
The favorite Mongolian Barbecues
Roasted lamb is the traditional Mongolian delicacy prepared in the honor of special guests. The local food of Mongolia is a blend of Mongolian and Chinese tastes. There is the influence of Muslim food and wide use of lamb in their dishes. Inner Mongolia raises a lot of cattle and their diet has a lot of dairy products.
Roasted lamb and cooked mutton are the signature dishes of Mongolian cuisine at celebrations like weddings and birthdays. It is customary for Mongolians to cut off a piece of meat from fatty tail of animal to first taste and let festivities begin. Another special feature of Mongolians is that they drink sour goat milk and not fresh cow milk.
Grilling the best Mongolian Barbecue
The Mongolian grilled lamb lettuce recipe may be of interest to you. You can start by placing all lamb ingredients in a flameproof dish to boil and simmer. Cover and cook for 2 hours. Pre-heat the grill to high heat. Grill the lamb until the skin is crispy. Warm the remaining sauce for 10-15 minutes and make it thick. Let the cooked lamb cool in air for 15 minutes. Remove bone and shred it and arrange on a serving plate. To serve take some spicy hot sauce, some cucumber, spring onions and lamb and roll up into a parcel.
The Mongolian national meals are Buuz, Khuushuur and Bansh, made with minced meat. The meat can be of anything from mutton, to beef, to camel, to horse or gazelle, seasoned with garlic or onion, covered with flour and steamed in boiling water, fried in oil and boiled in water. They consume large quantities of meat. This is to stave off the cold and long winters. Mongolians are basically nomadic herders and so dependence on animal product is natural. They rely less on seasonable foods like vegetables and fruits. Meat and dairy products, when sour in summer, is believed to clean the stomach.
About The Author: Chris McCarthy is the co-founder of InsaneChicken's http://www.insanechicken.com Hot Sauce and BBQ Sauce Store. InsaneChicken sells a wide variety of unique hot sauce and BBQ sauces from around the world.
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Article Title: Debt's Ceiling on the Middle Class
Author: Alphonso Smith
Word Count: 532
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Our country is in debt. Not only is our government in debt but we as citizens we are in debt ourselves and the problem is getting worse.
Recent studies have shown that 609.8 million cards are held by US consumers. Each card holder holds an average of 3 (three) cards. Ninety percent of Americans have at least one credit card and they are using that card ALOT.
The average family carries a balance of between $10,000 and $15,000 on all of their credit cards. Over $1500.00 per family goes on interest every year. And that's just the average, some people owe much more.
Overall, consumer debt is 2.43 trillion 793.1 billion is revolving debt of which 98 per cent is credit card debt. If debt continues at the current rate, then one family in a hundred will be forced into bankruptcy. Over 90 percent of Americans' disposable incomes are spent paying back debts.
When you add credit card debt to the regular bills we have to pay each month, it can devastate a pocketbook. which can tax one's mental stability. As a result, some bills go unpaid and others are paid late.
Both of these instances can damage your credit, sometimes so much that you think there's no way you'll ever be able to get out of debt and live a normal life.(I call it BC, before credit) Where one Uses credit for important purchases,things like a home,a newer car or a vacation,
not everyday living accesses.
The truth is that you can get out of debt and restore your credit to nearly what it was before you had credit problems. It takes some time and a little work on your part but it IS possible.
The secrets of the credit system revealed in this just released power filled and lifechanging guide. It's called "GOOD CREDIT MATTERS". Instead of being a victim use the system to your advantage. It's legal. It's fast and it lasts a lifetime.
Loan approvals and such depend on your credit score. That number is what determines if you can get credit, what your interest rate will be, and how much money potential lenders will give you. It tells you Where to apply and what to show and say that is music to the lender's ears. A good median score is 750 but the higher your score is, the more financially soild you are.
This guide which some refer to as the Credit Bible, is the great equalizer. Revealing the system and turning the tables on the money changers. The average man and woman finally has a chance.
Students and young folk beware, there are a few important things that your parents, your family, your teachers, your ministers or your friends.didn't warn you about ...the debilitating danger of debt.
Right here, right now, this guide is going to drop some important knowledge on you that will keep you from suffering this painful and life consuming situation.
There is life after debt. There is hope for a brighter tommorrow. Get this 21st century
miracle guide. "GOOD CREDIT MATTERS".
About The Author: We must strengthen ourselves financially. Everyone of us. It's the least we can do while we wait for our leaders. Free information on working ourselves back to the top. http://mydebtcreditrepair750.com Mr. Al Smith is the author of the most talked about credit guide of 2011, "GOOD CREDIT MATTERS"
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Article Title: Danger-Should I Or Shouldn't I-Kate Couric Did,She Feels Better For It
Author: Alphonso Smith
Word Count: 585
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There it was for the whole world to see. Katie Couric lying in a hospital bed in a hospital "johnny" after having a colonscopy. Using her ability to capture eyes and ears to inform the population that a colonscopy is nessary(can be life-saving)and almost easy. These meager efforts are attempts to past it on. My hat is off to Katie.
A colonoscopy is an examination of the large intestine using a flexible tube which can be inserted the whole length of your large intestine. This examination will reveal danger signs of cancer and other things you would like to know about your health.Polyps are abnormal growths in the mucosal lining of the large intestine. There are various kinds of polyps; some are benign, others may be the precursors of colorectal cancer. Although the presence of polyps is not always apparent,signs to watch out for include blood in the stool, and rarely, watery diarrhea.
If your doctor suspects polyps,diagnosis is usually made via barium enema and colonoscopy examination. Polyps are removed with a specially equipped colonoscope and examined for the presence of abnormal cells.There are two different preparations depending on your physician's choice:(1) You may be put on a clear liquid diet for a day or two before the test and you are instructed to take a laxative the night before the examination.(2) You may be instructed to drink a gallon of special liquid which is prepared by a pharmacist.
Enemas may be given before the test.An intravenous line will be started in your arm before the test begins. You must tell the nurse if you have any allergies and what medications you take.
The test is done in a special room called the Endocopy Room or in the X-ray suite.You will take off all of your clothes, fold them, place them in a laundry bag and put them away securely. You then put on the hospital "Johnny" with the opening in the back. You will be placed on a special table lying on your left side with your knees drawn up towards your chest. The scope, a fiber optic tube, will be inserted though your rectum and passed into your large intestine. Air may be introduced so that your doctor can see the folds of the lining of your intestine.
Because your cooperation and responses are important, it is essential that you be awake during the test. (I honestly don't remember anything during the examination.) You are given medication thru the IV to relax you before the scope is inserted and if necessary during the test to keep you comfortable. As the scope is inserted you may have the urge to move your bowels. (Don't worry about it, it's mostly air.) There will also be some crampy feeling if air is introduced. Both of these will pass when the air is expelled and the scope removed. Otherwise this is not a painful procedure.
You should have no discomfort but you might feel tired from the examination. If a biopsy is done or a polyp removed you may have some slight bleeding. This is usually of no consequence. Your physician may want to observe you for a short time after the test before sending you home.It is important to make arrangements for someone to accompany you to and from the hospital as you will not be able to drive after the test because of medication.
About The Author: The author,Alphonso Smith is a contributor to Good Health Matters which is a conduit in providing critical health information. He is a founding member of New-bie Nation. Get more information @ http://www.new-bienation.blogspot.com We need your support.
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Article Title: A Knack For a Niche
Author: Alphonso Smith
Word Count: 551
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In any conversation about niche marketing, it should start with the word: targeting. The phrases, to target, to focus, are worthy of mentioning too. Let me divert for a second.
I am not a hunter but if I were, and I was hunting deer, and my choice of weapons were either a scatter-gun or a rifle. Remember, I can't get closer then a couple of hundred feet. I'm thinking I should choose the rifle. SCATTERED HITS versus FOCUSED HITS.
The most successful small businesses understand that only a limited number of people will buy their products or services. The task at hand becomes determining as closely as possible exactly who those people are and then targeting your marketing efforts and dollars towards them.
You need to target your audience in a specific manner as soon as your target is in focus.
Now you know what you must do in order to succeed. Let's do some research and see what the search engine About.com has to say about a niche market. About.com says, "A niche market is a focused, target-able portion of a market." ie Sports(the market)football (the target market of sports) pro-football (a target market of football) and so on. About com goes further, "By definition then, a business that focuses on a niche market is addressing a need for a product or service that is not being addressed by mainstream providers. You can think of a niche market as a narrowly defined group of potential customers.
Looking deeper, I seek out what Wikipedia the free encyclopedia, has to say. It says that a niche market is the subset of the market on which a specific product is focusing; therefore the market niche defines the specific product features aimed at satisfying specific market needs, as well as the price range, production quality and the demographics that is intended to impact.
Wikipedia further states that "Some niches may become saturated with marketers, increasing competition and thus, according to the economic law of supply and demand, reducing the slice of the pie available to each competitor. One solution is to find smaller, "undiscovered," but still profitable niches, usually by searching out themselves the best keywords to target. These lower cost keywords are called long-tailed keywords,as in the long tail of secondary keyword phrases that usually follow the main keyword in popularity of number of searches conducted by internet users. Some are too obscure and may have very few or even no clicks per month, and therefore not much use to target This technique can be repeated across several niche websites until a desired income level is achieved.
Your mindset from henceforth is to be aware of trends and current events in the real world. Read newspapers and magazines, both general and niche specific. Watch news programs and listen to the radio, these are ways to getting the "juices flowing". At times something will just click and the light will go on.
At some point, develop several broad ideas and perform research on the ideas. Before you make your decision on the path to follow, make sure there is a good market for the product that you plan to promote before advertising it.
About The Author: Alphonso Smith is a founding member of The New-bie Nation supporting, promoting and advocating issues pertaining to the success and well-being of New-bies in the Internet Marketing industy. Mr. Smith is also contributing writer @ http://www.new-bienation.blogspot.com
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Article Title: Affiliate Marketing-Case Closed
Author: Alphonso Smith
Word Count: 635
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Affiliate marketing is the practice of promoting a product to earn a commission when a sales lead or other action occurs. If you are a new-bie, read carefully. There are companies online, that will pay you commission for traffic or sales that you send their way. An example is that you can post a classified ad with your affiliate link at the bottom, and when a reader of the ad clicks your link, purchases a membership or a product from the site you are promoting, you will be paid a commission.
If you want to generate recurring revenue, consider taking advantage of affiliate marketing. It can be very profitable and a stream of money coming in. That's what it's all about. Get money coming your way.
One of the great advantages of affiliate marketing for a new-bie is that the startup cost is relatively inexpensive. In many cases there are no types of financial investment for an affiliate at all.
Affiliate marketing is a revenue sharing partnership between a web merchant and one or more affiliates. The affiliate is paid a commission for referring clicks, leads, or most often sales.
Being a affiliate marketer you won't have to worry about creating your own product, product delivery or customer support since these are the responsibility of the merchant and in most cases provided by the merchant.
You must first decide what area of interest moves you. What products do you know the most about? What products will you do the best job selling?
Once you have discovered your niche. Preservation, patience, determination are your next steps,
Over-all, affiliate marketing is a very simple business system and ideal for people with a entrepreneurial mindset.. Affiliate marketing is basically a way to make money promoting other people's products.
HERE ARE THREE(3) BASIC STEPS
1) Choose a niche market. You must decide what kind of affiliate products you want to promote. First the product should be one that interests you.
2) The program should be one that pays well. Due diligence is needed here.
3) Once you have accomplished #1and #2 look for an affiliated marketing company that has a program offering your niche and sign-up.
Start promoting the website (the chosen affiliate marketing program should provide the website and hosting for the website, most likely for some nominal fee).
One reason why the affiliate marketing path is such a moneymaker is that there are so many different types of options available to the marketer. One option you can go with is the pay per click option or the direct linking option which allows a customer to purchase the product directly from the product sites.
Another reason is that affiliate marketing is so popular that you don't have to quit your day job. Instead of going completely out on a limb, it's simply a matter of starting off by setting aside a couple of hours a day each week to shorten the learning curve. When the affiliate program begin to generate respectable amounts of income, you can increase the amount of time you spend marketing and eventually spend less time working for someone else.
There are few revenue opportunities offering this type of flexibility. Over a little time, affiliate marketing could lead to a very lucrative income that will allow you both the time to live the life you have always wanted for yourself and your family.
Affiliate Marketing Strategies for No Cost
(1) Free classified ads that receive a lot of traffic.
(2) Direct your efforts on Search Engine Optimization.
(3) Join a few forums and include your landing page or affiliate link in the signature portion of all communications.
About The Author: Alphonso Smith is a founding member of New-bie Nation. New-bie Nation supports and promotes issues relating to new-bies and the growth of the internet marketing industry. Learn more@ http://www.thenew-bienation.com Mr. Smith is also a ontributing writer for New Visions.
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Article Title: Cancer For Many - Profits For A Few
Author: Alphonso Smith
Word Count: 363
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Sodium nitrite and sodium nitrate added to cured meats and smoked fish as a color fixative combine in meat and in the stomach to form a powerful carcinogen (cancer-producing substance). This fact puts the profit motive of the food industry and the health of the American public squarely into opposition and thus far the government regulatory agencies are supporting the food industry.
Sodium nitrite and nitrate can be poison. Nitrites combine with blood to form a pink pigment which does not carry oxygen. They have a number of other ominous side-effects. Nitrites combine with amines to form nitrosamines, among the most potent carcinogens known.
Nitrites are likely to combine with amines in the stomach to form nitrosamines. Animals of all kinds, fed nitrites and amines, develop cancer in various parts of their bodies. These nitrosamines are sometimes present in nitrated food even before we ingest it.
The chemical has the unusual and difficult to replace quality of keeping meat a fresh-looking pink throughout the cooking, curing and storage process. The nitrous acid from the nitrite combines with the hemoglobin in the blood of the meat, fixing its red color so that the meat does not turn the tired brown or gray natural to cured meat. Unfortunately, it does much the same thing in humans. Although most of the nitrite passes through the body unchanged, a small amount is released into the blood stream. This combines with the hemoglobin in the blood to form a pigment called methemoglobin, which cannot carry oxygen. If enough oxygen is incapacitated, a person dies. The allowable amount of nitrite in a quarter pound of meat can incapacitate between 1.4 and 5.7 percent of the hemoglobin in an average sized adult. When 10 to 20 percent is incapacitated, a victim discolors and has difficulty breathing.
Why are nitrites used in our food? Nitrites are traditionally used as color fixers. It must appear to be red and fresh, even when it isn't. Meat producers argue that they are needed as preservatives.
The government seems too weak and divided to curtail the usage of Nitrites. What is the public to do for its protection?
About The Author: Alphonso Smith, a writer on HEALTH MATTERS and fledgling internet marketer. Go to: http://www.myvemma.com/alphonso For more information: http://www.ourtopchoices.com
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Article Title: Essential Oil Properties Associated With Aromatherapy
Author: Ann Marier
Word Count: 431
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Imagine coming home from a stressful day and wondering how to diffuse the unhealthy stress that is being experienced. Some methods of dispelling stress include exercise, involvement in a hobby, and being involved in a stress relief center.
Unfortunately, many individuals today turn to destructive methods or the use of synthetic items to dispel that stress. These harmful substances can include cigarette smoking, the use of alcohol etc. Rather than using these harmful methods of neutralizing stress there are other alternative methods. One of those alternative methods is the use of aromatherapy.
When considering aromatherapy it is important to understand what aromatherapy is and the essential oil properties of the various aromas that are utilized to reduce stress, alleviate other physical conditions as well as serving in other practical ways around the household.
What Is Aromatherapy?
Aromatherapy is a therapeutic technique that utilizes the scents of various natural items found on the planet. These natural items can include trees, flowers, spices, etc. These scents are extracted from the natural products and are distilled into therapeutic oils that capture the essence of these natural items.
The essential oil properties of aromatherapy can be therapeutically accessed by the individual in two separate ways. Those two separate ways include the application of the oil upon the skin and the diffusing of the oil's aroma by heating up the specific aromatherapy oil through the use of a diffuser.
In both instances, the affects of the oil help the individual to address specific physical conditions and emotions that they are experiencing.
Essential Oil Properties
There are specific uses associated with essential oil properties. Some of those essential oil properties deal with the therapeutic treatment of individuals who are experiencing various conditions or practical household uses that these essential oil properties can address.
For example if an individual is experiencing a headache, the essential oil properties of lavender can prove to be very beneficial. This can be accomplished by placing a few drops of lavender on the temple portion of the head and rubbing the oil around that particular area. Or, if an individual feels fatigued, allow the aroma of rosemary to permeate your senses. The use of rosemary helps to promote alertness within an individual and stimulate their memory.
In addition essential oil properties can be used as a practical deterrent for some insects. For example a few drops of peppermint around the doorway or window will help to deter ants from entering the home.
About The Author: Ann Marier writes informative articles about family life and general health issues, Click on http://essentialoils.ultimatehealthinfo.com to read her latest articles on essential oils and their uses. Click on http://www.ultimatehealthinfo.com for other articles on general health issues.
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Article Title: Safaris And Africa Offer Mind Blowing Adventures
Author: Ann Marier
Word Count: 415
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The danger and beauty of wild, unrestrained nature as it has been for so many years has intrigued and enthralled people around the world since David Livingston wrote England of his adventures in Africa. Safaris have long been in the top list of dream vacations. How exciting it would be to see the King of the jungle himself, lounging in the shade with the rest of his pack. To be so close to danger, and yet still safe from it all is one of the reasons safaris and Africa are so popular.
When most people think of Africa and safaris, their mind automatically goes to the Serengeti. This gorgeous expanse of African wilderness has been home to many different thrilling animals from almost the dawn of time. Seeing elephants and hippos and giraffes, in addition to so many others, makes for a very memorable experience. Your poor camera will be so completely worn out.
Like A Scene From "Out Of Africa"
Which countries in Africa offer the best in attractions and tours? Kenya usually finds itself at the top of the list for safaris in Africa. Travel to this country's most beautiful parks during seven or ten day jaunts that offer an array of experiences you could only dream about. Tanzania, with a park located at the base of Mount Kilimanjaro, and Zambia are also popular destinations for safaris in Africa.
But there are reputable companies in other parts of Africa as well. Do your research and read all information thoroughly before committing your time and money to anywhere in particular. There are also web sites, like The Virtual Tourist that offers ratings and comments from people who have already been where you are going.
For some people, booking an African safari sounds very difficult and time consuming. The nervousness and excitement of visiting another country so far from your home can also put you on edge. And maybe at one time planning was a headache, but not anymore. Thanks to the internet, companies are making it easier than ever for you to have the vacation of a lifetime.
The African Safari Club sets you up with much ease, almost everything in different packages; just pick how many days you want and you are almost good to go. Some parks require an admittance fee that is not included in the safari price. But this can be handled locally and still through the company.
About The Author: Ann Marier is a prolific writer. Her latest selection of articles about African safari Trips can be read at http://www.african-safaritrips.com. Ann Marier's other articles available on holiday topics can be found at http://www.camping-gearandequipment.com/camping http://www.all-about-cruises.com
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Article Title: The Fascinating History Of Candles
Author: Ann Marier
Word Count: 436
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The history of candles is very long, archaeologists say the first candles appeared 5000 years ago (3000 BC) in Egypt and Crete. The first candles were made from animal (sheep and cattle) fat. The torch was another variant of candle used especially for lighting bigger places, torches were usually used outdoors because of the smoke they released. The first that introduced the wick in the history of candles were the Romans who used them in places of worship and for traveling at night.
What was the evolution in the history of candles during the ages?
The introduction of beeswax in the history of candles was in the Middle Ages, this wax was extremely expensive and only the rich could afford it, the new advantage that beeswax brought was that the candle burned very cleanly when compared to tallow candles. This new candles were preferred by the church that quickly adopted them and they are still used today.
When the first colonials settled in America they found by accident that boiling grayish green berries resulted in a kind of wax that is similar to beeswax and doesn't smell when it burns. This new opportunity didn't have the effect everyone hoped for because the process was very long and expensive, so this just remains as a step in the history of candles.
In the 18th century the walling industry brought another solution for candle makers, the spermaceti was used to obtain a wax that didn't release any unpleasant smell when burned. The history of candles was seriously changed in the 19th century when the first machine that produced candles automatically appeared, in 1850 paraffin was discovered, it is a product obtain from petroleum residues.
Paraffin candles burned without any unpleasant smell and because of the fact they were also cheep, they eliminated all similar competition. The single problem with paraffin was the melting point that was harder to achieve, but using the stearic acid all the difficulties were easily passed over, so paraffin candles imposed on the market and occupied a leading position in the history of candles.
The end of candles?
Edison was the one who defeated their practical side and brought to an end the long history of candles; in 1879 he discovered the bulb and as a result candle making soon disappeared as a mass industry. At present candles are used as decorative objects or as part of the aromatherapy treatments, but their most important role remains in the Christian Churches where candles are present not as a light source but as a spiritual object.
About The Author: Ann Marier writes informative articles about family life,health issues, and useful house and garden Topics. Her lastest are about candle making and their different styles http://www.candlemaking.4houseandgarden.com http://www.hydroponics.4houseandgarden.com http://www.ultimatehealthinfo.com
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- "Ann Marier" <submissions@isnare.net> Mar 28 04:20AM +0800
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Article Title: A Ceramic Water Filter Provides A Healthy Resource
Author: Ann Marier
Word Count: 434
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Many people have listened to doctors and other health professionals discuss the importance of drinking plenty of water. These knowledgeable people usually recommend at least eight glasses of water every day. They will tell you that drinking water will help you lose weight and make your skin look better.
These professionals will urge the public to drink eight glasses of water to flush the toxins from their bodies. Many people end up drinking bottled water because it tastes better, and they can follow the advice of the experts. The bottled water is expensive, and it does not come conveniently out of the tap.
A ceramic water filter is a great apparatus to help those at home drink more water without resorting to the expense and inconvenience of bottled water. A ceramic water filter will provide clean, healthy water for the whole family. Talented engineers and designers have created ceramic water filters to conveniently treat the water so it is pure and tastes great.
A ceramic water filter uses a system that will filter out the harmful substances in the water that come through the tap. A ceramic water filter will remove the microbiological and chemical elements that are undesirable in drinking water.
A Ceramic Water Filter Is Easy To Install And Use
A ceramic water filter uses sophisticated technology to purify the water, but the user does not have to be a genius to use the system. These ceramic water filters are built for easy use by all the members of the family. Some of these ceramic filter systems sit on the counter near the water faucet for easy use.
These ceramic filter systems are small enough so they do not take up an inordinate amount of space on the counter, but they purify hundreds of gallons of water. A ceramic water filter will purify the water by removing undesirable elements including asbestos, dirt, algae, and mold.
The water filtered by these ceramic devices will taste as good if not better than the expensive bottled water. Drinking water will taste better, and everything else made with the water will also taste better. The coffee and tea made with the water purified with a ceramic filter will taste better too.
Those in the home will notice the difference in the taste immediately. The cost of the ceramic filter systems compare very favorably with the other systems that are available for home use. These filter systems use cartridges to purify the water, and these cartridges are relatively easy to use.
About The Author: Ann Marier writes informative articles about family life,health issues, and useful house and garden Topics. Her lastest are about water filters http://www.wholehousewaterfilter.4houseandgarden.com http://www.bestairpurifiers.4houseandgarden.com http://www.hydroponics.4houseandgarden.com
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- "Ann Marier" <submissions@isnare.net> Mar 28 04:10AM +0800
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Article Title: Oreck Air Purifiers Are Very Popular And Energy Efficient
Author: Ann Marier
Word Count: 466
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It is believed that air pollution will cause an estimated forty to fifty million Americans to suffer from air related allergies. It is also thought that another seventeen million will be battling asthma, which could end up causing many health issues and rack up high health care costs. A typical American home will have fungi, germs, viruses and bacteria growing within its confines. When these indoor pollutants are inhaled, it can cause colds, pneumonia, flu and other respiratory ailments. All of these illnesses can be directly related to the quality of air that we breathe.
The Importance of Clean Air in the Home
It is important that everyone takes steps to ensure that the air that they breathe at home is clean and free from pollutants as much as possible. The Oreck air purifier will be able to do the job for you, since it is known as the hallmark of dependability and quality. The Oreck air purifier has stood the test of time and quality, and it comes with a three year guarantee. Most people that have used an Oreck air purifier will rave about the satisfaction they have received from it.
The Professional Oreck Air Purifier is immensely popular, and the company claims that it can completely purify air in a 30'x30' room every hour. This machine will also destroy bacteria, pet dander, allergens and household dust. The Oreck XL Professional Air Purifier has a five-stage purification process that makes it more powerful than a HEPA filter in air filtration.
The five stages of this Oreck Air Purifier include a pre-filter, positive charging wire, a collector, charcoal odor trappers and an air-revitatlizer. Oreck is a company that offers a number of different types of products including its air purifiers. Oreck air purifiers are perhaps one of their best known products, and they are remarkably useful given the air pollution that people suffer from everyday.
Oreck air purifiers have electronic filtration with efficiency ratings of 95%, and are designed to trap and remove dust and allergens from the air. Oreck air purifiers can clean a room measuring 4.5.x 9 meters in less than twenty minutes, removing dust, pollen and tobacco smoke. These air purifiers help to reduce the daily dusting chores, because they can trap most airborne dust that would have otherwise settled on surfaces in the home.
Oreck air purifiers are designed with electrostatic ionization to filter out tiny airborne particles, which are attracted to the statically charged collector plates. Along with the electrostatically charged collector's plates, they also have a charcoal filter to remove foul odors. The Oreck air purifiers are more energy efficient, and require less energy to push air through its filter system, which results in quieter operation as well.
About The Author: Ann Marier writes informative articles about family life,health problems, and useful house and garden Topics. Her lastest are on the best air purifiers to use http://bestairpurifiers.4houseandgarden.com http://infraredsauna.4houseandgarden.com http://www.customoutdoorfurniture.4houseandgarden.com
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Article Title: Ozone Air Purifiers Are An Investment In Health
Author: Ann Marier
Word Count: 402
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The air that people breathe becomes more contaminated every day, but there are many agencies and individuals working to improve the quality of the air. Ozone Air Purifiers are contributing to the quality of the air for many people. Some cities have made laws to make sure that the air in the city is as clean as possible. These cities have strict rules and the officials enforce the rules for the good of the citizens. There are cities in the developing countries that do not have rules, and regulations and the air in those places is awful. No one can do anything about the air outside as a lonely individual, but the community as a whole can help clean the air.
Many people develop allergies, asthma and other lung problems because of the contaminants in the air. Ozone Air Purifiers can make a significant contribution for the people living in a home or working in an office. An Ozone Air Purifier is an efficient machine that can be put into a room to rid it of the unhealthy elements in the air. These machines are excellent for those who suffer from allergies, asthma and other lung conditions.
Ozone Air Purifiers Help Everyone Breathe Easier
Ozone Air Purifiers are great for those who already have allergies, asthma and lung conditions, but these wonderful machines can also help others from developing these diseases and conditions. The human organism is an amazing system, and the body does heal itself to some extent. The Ozone Air Purifier will keep the air clean for those that are healthy, and these devices will keep people from developing conditions. The air that people breathe in a room conditioned by an Ozone Air Purifier will be free from most of the contaminants that cause diseases.
An Ozone Air Purifier is an inexpensive machine that will probably save people money in the long run. The clean air will help people stave off colds and coughs that are the result of the contaminated air. An efficient air purifier clears the air of contaminants such as mold, viruses, bacteria and fungi. A good air purifier will be a wise investment for many years of use. The whole family will have fewer problems because they are continually breathing cleaner air. The air purifier technology improves constantly and people around the world benefit from the advanced purifiers.
About The Author: Ann Marier writes informative articles about family life,health problems, and useful house and garden Topics. Her lastest are on the best air purifiers to use http://bestairpurifiers.4houseandgarden.com http://infraredsauna.4houseandgarden.com http://www.customoutdoorfurniture.4houseandgarden.com
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