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- The Dangers of Eating Overcooked Food [1 Update]
- Why a Kitten Rather Than a Cat? [1 Update]
- Training Your Kitten What Not to Do [1 Update]
- How to Choose the Best Crate For Your Kitten [1 Update]
- Taxonomic Kingdom of Ball Python [1 Update]
- Foreclosure Real Estate [1 Update]
- Just What is Involved in Closing Costs? [1 Update]
- Finding a Real Estate Agent: As Simple as 1, 2 and 3 [1 Update]
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- Investing in Real Estate and Becoming a Land Lord [1 Update]
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- "Bruce Swedal" <submissions@isnare.net> May 05 11:10AM +0800
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Article Title: The Dangers of Eating Overcooked Food
Author: Bruce Swedal
Word Count: 565
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Overcooking food is a way to cause metabolic overload and upset body chemistry. All foods are made up of carbon, nitrogen, oxygen, and hydrogen in various chemical configu¬rations. Our enzymes have evolved since the days of the cave¬man to digest foods in certain configurations. But when food is cooked at a high temperature, it passes what we call the heat labile point, which means that it changes its chemical configuration. Our enzymes don't know what to do with this overcooked food. We do not have evolutionary enzymes to di¬gest it efficiently.
Since our enzymes cannot digest overcooked food very well, some of it does not digest at all. It sits partially digested in the gut and starts to putrify, or rot. This food purification irritates the lining of the gastro-intestinal tract. The cells widen and the undigested food gets into the bloodstream where it can cause problems.
A study was done to find out how well different forms of calcium were absorbed. Pasteurized whole milk, dried whole milk, and homogenized whole milk were tested. It was found that the calcium in the dried milk preparation was definitely less well utilized. Why? Dried milk is prepared by pouring milk over stainless steel rolling drums that have been heated to a very high temperature. As the milk hits the drums, it loses its moisture. Small flakes drop off the drum and become dried milk. This is definitely overcooking.
In another study, researchers Barbara Schneeman and George Dunaif at the University of California, Davis, exam¬ined the browning reaction in food and how this usually pro¬duced better taste, but less efficient digestibility. For four weeks, they fed laboratory rats nonfat milk as their only source of protein. One group of rats received unheated milk. A second group ingested milk heated to a light brown at 121° C. The third group was given milk cooked to a cocoa brown.
Rats given the unheated milk thrived. They grew and gained weight. Rats given the light-brown milk failed to gain weight. Rats given the cocoa-brown milk took in less food and lost weight. The researchers discovered that browned proteins stay longer in the stomach, indicating poor digest¬ibility and poor absorption. This research indicates that drinking milk in its raw form is the best.
Fried foods are particularly dangerous. When a food is fried and becomes brown, the chemical configuration of the food changes and our enzymes are less capable of digesting it. This food gets into the bloodstream, undigested. The fat used to fry the food can clog the arteries as well as upset the body chemistry.
When foods are deep fried—whether they be potatoes, shrimp, carrots, or chicken—a vat of oil is heated to a very high temperature, far above the heat labile point. Then food is dropped into this vat and fried. Afterwards, the vat of oil is cooled down. This same vat is usually heated up again to cook more food. The fat used can quickly become rancid. We do not have enzymes to digest rancid fats, and the body chemistry becomes upset once again.
The best methods for cooking food are steaming and bak¬ing. Food should be cooked at low temperatures for short pe¬riods of time. Eat as much raw food as you possibly can.
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Article Title: Why a Kitten Rather Than a Cat?
Author: Bruce Swedal
Word Count: 533
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Kittens are adorable, hard work, entertaining, often destructive, and usually delightful. It is a joy to own one at least once in your life. Many people take on older cats, often because there are many more of them needing a good home than kittens, find homes more easily because of their appeal. It is hard work - they keep you on your toes like any baby or toddler. Indeed, many people taking on a kitten for the first time after many years of owning adult cats comment that they had forgotten what hard work it is!
Some aspects of your personality may also affect the type of kitten you choose, or should choose, and the lifestyle you will have with it, such as whether it goes outside or stays indoors.
Are you patient?
Kittens do require patience, and if you are taking on a long-haired cat you may have to spend a great deal of time grooming - Persians especially will not be able to look after their coats on their own.
Are you house-proud - do you mind accidents, scratched furniture or wallpaper, hair on the furniture, litter boxes, etc.?
Tales of kittens climbing up curtains are based on truth -they may well shin up anything they can and in the process knock off ornaments or pull down curtains that are not securely fixed! Remember when you had children or friends visiting with children and put all the valuables away? Time to do it again. Cats do shed hair, and long柳aired cats shed a lot of it.
Are you overprotective?
Some people could not bear to take on a cat and then let it face the risks of going outside. They may want to keep it indoors - but there are things to consider if taking this option, both at the outset and as it grows.
What sort of owner will you be? What do you want from your cat? Do you want a close relationship, or are you happy to live with it and respect it for its independence? Owners can be dissatisfied with their cat because they have unrealistic expectations of how it might live with them or because the cat does not fit what they want. One such story was told to me recently by a member of a rescue organization. A very nice lady came in and adopted a beautiful tortoiseshell-and-white cat. She brought it back the next day because, as an artist, she could not cope with the fact that the markings on its legs were not symmetrical - she had even considered coloring it in! Suggestions by staff that she could use artistic license when she was painting it fell on deaf ears!
OK, self-analysis finished - you have thought it through and are ready to choose your kitten. It may have seemed a little labored but, if a dog is for life, then a cat is for even longer! Many cats live for fourteen years and upward, so they are potentially with you for a long time, sometimes longer than children. What are the choices available to you?
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Article Title: Training Your Kitten What Not to Do
Author: Bruce Swedal
Word Count: 510
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OK, we can motivate cats to do what we want - what about when they do things we don't want? In general, behaviors that go unrewarded will become less and less frequent over time - there is little point in the cat investing energy in an action if it brings no benefit. However, once again we need to think about the nature of the reward. If a cat scratches the wallpaper, it may be as a response to a feeling of threat from another cat and a need to mark its territory to improve its own confidence – the reward is the feeling it gets from carrying out behavior it is highly motivated to do. Without removing the cause of the problem, it is difficult to change the behavior. You may be able to move it onto a more appropriate surface, such as a scratch post, but you need to understand where to put it and why. You need to think like a cat.
In general it is easier to train your kitten to do things than not to do them, especially if something has already become a learned habit. Prevention, as usual, is better than cure. Punishment, whether physical or only vocal, will be associated with the last event that occurred, and the kitten will be very confused about your aggressive behavior.
Many problems are brought on by owners themselves being inconsistent and sometimes by inadvertently teaching the kitten something wrong in the first place. It is important to be consistent from the start and not to allow your kitten to do things you would not appreciate it as it grows into a cat. Many people encourage this by tickling the kitten's tummy and being amused as it grabs their hands – men are particularly good at these games that push kittens a little too far! Of course, it will be the children who get grabbed rather too hard by the growing kitten in play. It has not learned that it does not get attention if it gets rough – on the contrary, it has been encourage to act in this way and rewarded with heaps of attention.
If you don't want your cat on the work surfaces in the kitchen, don't let the kitten go there and don't leave good out that acts as a reward should the kitten find it there, making it worth exploration in the future. Lift the kitten down each time and praise it for being on the ground.
It you want to be awakened at 5am every morning with demands for food and play, by all means get up and give the kitten attention. It then cannot be blamed for depriving you of a good night's sleep. Giving in only once a week is enough to reward the kitten and give it the signal that it is worth the effort of waking you. Finally, don't train your kitten to avoid the litter box by using it as a spot to give medicine.
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- "Bruce Swedal" <submissions@isnare.net> May 05 10:40AM +0800
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Article Title: How to Choose the Best Crate For Your Kitten
Author: Bruce Swedal
Word Count: 532
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One of the most useful things you can have if you have a new kitten, or kittens, is a special pen, dog crate, or indoor kennel. These are available from pet shops, or you may even be able to borrow one - they collapse down when you are not using them. They are always useful to have at a later date if you are introducing new animals to the household or if your cat needs to be confined because it is ill or injured. These are also recommended when people take on a new puppy, as they are excellent for safety, to help with toilet training, and to give the pup a place it recognizes as its den.
In the first few weeks after you bring your kitten home, a crate is a great asset. If you have other animals it makes introductions simpler and safer. It will also enable you to confine the kitten when you are not watching it and know that it is safe. Kittens get into all sorts of mischief and into all types of small spaces; they will sample electric wires or escape from open windows if they get bored or just because they are very inquisitive. Putting them in the pen at night and when you are out of the house means you can relax about their safety. For the kitten, it is a den that it is familiar with and feels secure inside.
The crate should be large enough to allow your kitten to move around inside and to be able to accommodate a bed, a litter box, and a bowl of water or food. You can line the bottom with newspaper to catch any spills from the litter box or if the water bowl gets turned over. You can also put a blanket or cover over it if you want the kitten to feel more secure or just to quiet it down. Kittens take to them very well and are quite happy when inside. You can let the kitten out to venture into certain rooms or the whole house, but it will know where to come back to find its bed and litter box, and you will often find the kitten has gone back inside for a nap.
Deciding where to place the pen may simply depend on where you have space. A large kitchen can be ideal. It gives you quick access to water, food, and cleaning equipment and is usually nice and warm. It is the center of the home. People come and go, and there is usually lots of activity for the kitten to watch; it gives it the chance to get used to the comings and goings within the house and to those who live and visit there. It allows for safe meetings with other pets and lets them get used to one another. The dining or living room is also a good site. You may want to have the kitten in a quiet place initially, but it should be able to experience the family and your lifestyle after a week or so, depending on whether you have other animals you want to introduce.
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- "Bruce Swedal" <submissions@isnare.net> May 05 10:30AM +0800
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Article Title: Taxonomic Kingdom of Ball Python
Author: Bruce Swedal
Word Count: 525
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Taxonomy is the system used by scientists to classify living organisms into similar or related groups. As science and technology progress and information increases, so do the methods used to deterČmine relationships among organisms. DNA analysis, something that was unavailable years ago, is now more commonly used to determine how living organisms are relatČed to one another. Earlier methods for clas-sifying snakes that are still used today include scale counts, bone structure, and other anatomical characteristics. These methods can be confusing, because we don't usually know what characteristics developed first or which ones are truly the most important in determining relationČships. The advent of DNA analysis allows much greater accuracy in classification.
All living organisms have two names: the common name and the scientific name. Common names are the familiar, everyday names of living things, such as dog, leopard gecko, and ball python. Scientific names are written in Latinized formŚsome of the names are truly Latin while others are Latin versions of words from other languages. Most early scientific texts were written in Latin, and because of this, when a species was named, the Latin language was used. The continued use of Latin persists, since this provides for continuity among various scientific texts and journals. Regardless of which country you live in or which language you speak, the scientific or Latin name for a specific plant or animal will always be the same.
Ball pythons belong to the family Pythonidae, although some authorities consider this a subfamily of Boidae, the boas. This family is further broken down into eight genera (the plural of genus; genus is the level of classification just above species): Antaresia (dwarf Australian pythons), Aspidites (black-headed pythons and woma pythons), Bothrochilus (Bismarck ringed python), Leiopython (white-lipped python), Liasis (olive, Macklot's, water pythons, and relatives), Apodora (Papuan python), Morelia (carpet, diamond, green tree, Boelen's, and amethystine pythons), and Python (Burmese, blood, rock, reticulated, and simiČlar species). Ball pythons belong to the genus Python, which also contains the largest of the world's python species. The other members of Python are the reticulated, African rock, Timor, blood, Indian (including the Burmese subspecies), and Angolan pythons. The Angolan python (P. anchietae) is the ball python's closest relative. The ball python is the smallest memČber of this genus, rarely exceeding 6.5 feet (2 m) in total length.
The ball python's scientific name is Python regius. Literally translated, it means "royal python." (In Europe, P. regius is known as the royal python, while in America it is called the ball python.) It is possible that this small python received its scientific name in part because of the number of African tribes that worshipped it. In many areas of Africa, the ball python is still considered a sacred animal. In some older literature, P. regius is referred to as the regal python.
Ball pythons can become stressed fairly quickly if they are not allowed to acclimate to their new surroundings. Allowing your new snake to settle in for a week or more is a good idea. Refrain from interacting with your new pet during this adjustment period.
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- "Bruce Swedal" <submissions@isnare.net> May 05 10:20AM +0800
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Article Title: Foreclosure Real Estate
Author: Bruce Swedal
Word Count: 523
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Changes in the homeowner's finances can result in foreclosure.
When banks reclaim piece of real estate property because the homeowner is no longer able to pay on the loan it is the start of a foreclosure proceeding.
Foreclosure real estate properties are sold based on sum of the debt that is due. Many foreclosure real estate properties are auctioned at foreclosure auctions. The highest bidder wins these auctions.
It the foreclosure real estate property did not sell, and then the creditor gets the title of the foreclosure property. These properties are called real estate owned now.
In view of the fact that foreclosure real estate properties are cheaper compared to brand new homes. They present a great deal of possibilities and potential. Nevertheless, foreclosure real estate properties have been increasing in quantity throughout the last few of years. This is largely due to the growing cost of living, mounting interest rates and many other economic issues. It means additional foreclosure homes to pick from now.
Many real estate brokers busy in promoting these foreclosure real estate. More often than not, they are attained from foreclosure auctions. These brokers still present these foreclosure real estate properties as great deals.
A number of the foreclosure real estate properties are real estate owned, which have been entered into listings contract to draw more prospective buyers. These real estate brokers compile a foreclosure listing and it contains all the foreclosed properties available for sale.
Purchasing foreclosure real estate from brokers or banks is an excellent idea. This guarantees that the property is free from any other claims, liens or other encumbrances. Foreclosure real estate draws two kinds of consumers: investors and people looking for homes for individual use.
Real estate shareholders can use the foreclosure real estate as fixer uppers or rental properties that can be put up for sale again for substantial gains. Investing in foreclosure real estate has been recognized to be very lucrative. The thing to remember is purchase foreclosure real estate, which is fundamentally marketable.
First time buyers have started looking into the foreclosure real estate while looking for a home. These home buyers might look for obtainable foreclosure real estate via the use of foreclosure listings. The arrival of the internet has made it easy for buyers to find foreclosure listings. Foreclosure listings can be found on the internet through searches of more comprehensive lists can be obtained with a Realtor.
It is best to consult a real estate agent about foreclosure real estate properties, who has experience in this field. It has a different set of rules than conventional properties making pitfalls that can cost home buyers big much more likely.
Financial institutions that own foreclosure properties will typically have attorneys draw up their own addendums to contracts that place much more risk on the home buyer and limit their recourse should there be problems with the property after closing. Inspections are vital as is having a professional on your side to mitigate the risks involved with these transactions.
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Article Title: Just What is Involved in Closing Costs?
Author: Bruce Swedal
Word Count: 629
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If you get a house loan from a bank you will have to pay closing cost. The amount of closing cost depends on how much you are financing through the bank. Closing cost is 3 percent of the price financed. If you are buying a $100,000 house, then your closing cost will be about three thousand dollars. That is the amount to be paid out of pocket along with your down payment. The reason closing costs are so high is because of all the fees involved with it. There are 15 fees involved with closing cost. The fees are generally as follows; attorney fees, title service fee, recording fees, document fees, survey fees, brokerage commission fees (seller cost), mortgage application fees, points fee, appraisal fees, inspection fees, home warranties fees, prepaid property insurance, pro - rated property tax, pro - rated homeowner association dues, and pro - rated interested. Those are a lot fees that they sure don't tell you about before buying a house.
What do all these fees mean exactly is the question a lot people ask themselves? Attorney fees are to pay the lawyer to prepare and record all official documents. The title service fee is to cover the title search that must be done before buying your house. Recording fees are for the change of ownership of the property from the seller's name to the buyer's name. Document fee is charged by a governmental entity for a tax that is required by law. A survey fee is for the property to be surveyed to check the dimensions of the lot size. Brokerage Commission fee (seller cost) is just a fancy way of saying a fee to pay the Realtor who helped you find the house you are buying. Brokerage Commission is usually about 6 percent of the price paid for the house. Mortgage application fees are what you have to pay the mortgage company for help to get you the loan to buy your house.
A points fee is not always in there, as it's something the bank offers you to lower your interest rate. You can buy points to make your interest rate lower. This will only benefit you if you plan to stay in that house for longer than 5 years. Appraisal fee is also what is says, you must have the house appraised before buying the house. If the value is less then what the buyer and seller has agreed for the prices, the seller has no choice, but to go down on their price. A mortgage company will not finance a house for more than the house value. Inspection fees are for the house to be inspected for major problems and pest. Home warranties are offered to the buyer in case a major expense happens, this warranty will help pay for it. For example, if the oven breaks the warranty will help pay to fix or replace the oven. This is an optional fee. Prepaid property insurance is determined by the date of the purchase of the house. If the house is bought in April, you will only pay for the remaining months. This is so you don't pay for months that you didn't own the house. Pro - rated property tax works the same as prepaid property insurance. This is so you don't pay for months that you didn't own the house. The same goes for pro - rated homeowner's association dues and pro - rated interest.
These are a lot of the fees that the buyer must pay for. There is a lot of work that goes into a house loan. Many people just don't see how much work goes into obtaining a home loan. Everybody must be paid, so as the buyer, you must pay as well.
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Article Title: Finding a Real Estate Agent: As Simple as 1, 2 and 3
Author: Bruce Swedal
Word Count: 505
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There are times that you really want to be hands on when buying or selling a property, and that's perfectly understandable. You want to be on top of everything that concerns your property. This is when having a real estate agent becomes beneficial.
A qualified real estate agent can help you browse through the market, avoiding unreasonable risks and considering profitable shares. He or she will be able to tell you where to invest your hard-earned money, and when to invest. The real estate agent will also be able to discuss with you which properties will most likely to be profitable in the future and which properties will be likely to stay idle.
Before buying or selling a property, try finding a good quality real estate agent. This you can do in three simple ways.
First, you can always ask around - your family, friends and colleagues. A good real estate agent is a salesperson who talks clearly and patiently. He or she will not talk fast as he or she builds rapport either from the seller or from the buyer. More often the real estate agent will make sure that what the seller gives or what the buyer offers will suit your needs and requirements for a property. This is when the real estate agent builds working relationships with the seller or the buyer and maintains the relationships with utmost care to give you the satisfaction you want. On his or her part, this helps him or her in acquiring more referrals - good business with you will mean more business for him or her.
Second, make sure that you keep a checklist of what you want in your real estate agent. While you want to keep your relationship with your agent as business like as possible, you still want to work with someone you are comfortable with. The traits that you look for in an agent could also be helpful when he or she gets to talk to the seller or buyer. For instance, it is important that your real estate agent is knowledgeable in the area of the property you're looking into. This way, he or she can tell you what types of property will be worth your money in the area, or if you need to not only look for another property, but for another area as well.
Last, but not least, research. It won't hurt if you also know some about the property and area you're targeting. Browse through some pictures so you can save energy and effort in ocular visits. Or if you still want to visit the area, you can still look at pictures so you know what to expect. There are times that these pictures are taken by real estate agents. You get to see the pictures, and you get to have real estate agent options.
Getting an agent may entail effort, but that initial effort will go a long way toward your successful outcomes.
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Article Title: What Are the Benefits of Staging Your Home?
Author: Bruce Swedal
Word Count: 511
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There are many benefits to staging your home. It attracts more potential buyers to your home and makes your home look more like, well a home. You should bring out and brighten areas of your home you want your buyer to see, while darkening and hiding areas of your home you do not want your buyer to see. It is proven that homes that were staged sold on average about twice as fast as homes that were not staged. It has also been proven that homes that were staged made more profit then homes that were not staged.
Staging your home makes you think like a buyer. While you are working on staging your home, you constantly think about what the buyer wants to see, in which case you begin to think like them. This is good because it will get you to make changes to your home that you would like to see in a home, and your potential buyers will probably want to see as well.
If you are serious about staging your home, you should hire an interior designer. An interior designer can help you find a good pattern for your home, and make it look appealing. An exterior designer would also be useful, as they can help you with your front yard. Not only should your front yard look nice, but your back yard should look nice and well-kept as well.
Staging your home can be fun! You can have a work party with your friends at your house. Get people together to paint, mow, clean, and organize.
A huge part of why people are unsure about staging their home is the cost. It actually can be quite inexpensive to stage your home. You don't necessarily have to buy all new things for your home as long as you have adequate furniture and other items that look good in your home. You can clean up all your furniture to make it look nicer. If you have marks on your walls make sure that you clean that up as well. If you have any mold on your walls you can easily remove that with one part water and one part bleach. Make your home look like a home that you would want to live in because if you would not want to live in that house, how could you expect someone else to?
I hope you make a wise decision with your home and put in that little bit of extra work. Statistics show that the extra work will pay off in the end with a quicker sale, higher price and more favorable terms. Undoubtedly the best way forward in staging is to hire a professional, however there is a lot of information out there that with a little research and hard work a seller can also make improvements on their own. In the end it is all about making your home look your best and appeal to buyers in a way that causes them to submit offers.
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Article Title: Sell Commercial Real Estate With Advertisements
Author: Bruce Swedal
Word Count: 537
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The act of selling commercial real estate is growing in popularity. Although its popularity is increasing individuals that are new to the world of real estate should have an understanding of just how difficult this business can be especially for those who are not as experienced as others. Those involved in commercial real estate will usually be required to spend huge amounts of money. Individuals can take advantage of the classifieds which are free and advertise the sale of their real estate, whether they are real estate agents or not anyone can use the classifieds.
There are several approaches that one can take when they want to advertise that their commercial real estate is for sale, but do not want to spend a huge amount of money in order to accomplish it. One approach is to advertise you property online, which is a free tool to use. There are various online classifieds that enable individuals to post their property free of charge. Most of the websites do not limit users with restrictions on the amount of properties that they can list at one time. In some situations it may be smarter to invest some money in the advertisement of you real estate if it will enable you to avoid paying a commission and keep the money for yourself.
Investing your money wisely by purchasing a commercial property for sale sign that is of high quality is another way to advertise the sale of your real estate without having to spend an outrageous amount of money. Signs are excellent tools to use in order to make consumers aware of your property and get them interested in it. If able try to locate a sign by one of the major roads in your city, this will allow individuals stuck in daily traffic who may be trying to find a new piece of property for their business to see your advertisement. Obtaining a high quality sign allows individuals to target those consumers who may have not seen their advertisements otherwise. In order to be successful in the business of selling commercial real estate it is important to research all of the online and offline tools that can be used. A lot of consumers do not have a whole lot of time to do research on the many properties that are available for purchase so having a huge sign on all of your real estate that you are trying to sell draws attention to it.
The last tool that will be used in this article is the use of real estate publications that are free. A lot of the suburban areas provide local publications that are free which can include all of the real estate that is up for sale in the area. The publications can be contacted by you and you can ask if they will take your real estate advertisements for free. A majority of the time individuals will find that these publications will be willing to work something out with you in order to fill their publications up with content. Selling commercial real estate may not happen immediately, but if you continue to use ads results will be seen in the end.
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Article Title: Investing in Real Estate and Becoming a Land Lord
Author: Bruce Swedal
Word Count: 583
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Real estate is no longer just about finding your dream home it is now one of the most popular investment vehicles that is used by individuals. The market of real estate has a huge amount of opportunities that individuals can take advantage of in order to see a big profit, but the process of purchasing and owning real estate is much more complicated than the process of investing in stocks and bonds.
Investing in real estate is one of the oldest practices that there is. Individuals will purchase a piece of property and allow tenants to rent it out. The owner of the property is the one who has to pay the mortgage, taxes, and maintenance cost, which is covered by the rent that the tenants are required to pay. Some landlords set the price of the rent at an amount that allows them to maintain the property and gain a small profit. More commonly landlords will only set the rent at an amount that allows them to pay all of the bills associated with the property and will not be interested in also obtaining that monthly profit. They exercise patience until the mortgage on the property has been completely paid off which enables most of the rent from then on to be profit for them. A lot of times property will appreciate which will result in the landlord being left with a piece of property that is more valuable than it was when originally acquired.
Dealing with renting out property is not always easy some individuals are unfortunate and end up dealing with undesirable tenants who damage their property or they may not be able to obtain any tenants at all. If either one of these situations occurs real estate investors will be left with a monthly cash flow that is negative which could make it difficult for them to make their mortgage payments. It is important that investors choose property that is located in an area where the vacancy rates are low which means individuals actually want to rent property in that location.
One of the main differences present between rental properties and other types of investments is how much time an individual has to invest in the maintenance of the property. When an individual invests in rental properties there are a lot of other responsibilities that come along with this decision of becoming a landlord. If you find that you do not enjoy having to perform handyman work on your property you could probably get a professional property manager to take over the property for you if you offer them a good price.
For individuals who are interested in purchasing rental properties, but do not want to have to deal with the duties that are associated with being a landlord they may want to look into real estate investment groups. This could just be the perfect solution to their dilemma. Companies that purchase or build sets of apartments or condos will turn around and let investors purchase them through their company which will enable them to become members of the group. The company that is responsible for managing the investment group will be responsible for managing all of the units such as advertisement of available units and maintenance, but the individual investors are able to own as many units as they want. The company receives a percentage of the monthly rent earned from the units in exchange for them managing the properties.
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Article Title: Information About Becoming a Successful Real Estate Agent
Author: Bruce Swedal
Word Count: 558
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The job of real estate agents is to help individuals purchase or sell their property. The property can extend from a family home all the way to commercial property. The process of becoming an official real estate agent goes well beyond just simply acquiring a mandatory state license. In order to be able to attract clients and keep them an agent has to have great sales skills. It is also beneficial to both the agent and the client if the agent is knowledgeable about inventory, current market trends, the personal finance of the client, and has effective negotiation techniques. For a real estate agent to be able to last their first year in the business they must also have a lot of discipline, be very organized, know how to manage their time, be able to prioritize, be a good listener, exercise patience, and have fortitude.
The exam that individuals have to take in order to become a real estate agent lasts about 2 ½ hours and can only be taken by individuals who are 18 years old or older. Some states may also require that individuals take all of the coursework relating to the principled of real estate before they are allowed to take the exam. The coursework can be taken online or at an accredited institution. The main focus of the classes will be on the principles of the business, the practice of real estate, escrow, and finance. After an individual has passed the licensing exam depending on what state they reside in they may be required to submit to fingerprinting and a background check. Real estate licenses have to be renewed every 2 to 4 years which will force agents to do continued education and pay a fee for the renewal of the license. A majority of the real estate agents feel as if having a business degree or a marketing degree gives them a better advantage than those that do not.
Real estate agents operate as independent contractors. At the end of each successful sale the agent is given commission. Licensed real estate agents have to work under a broker who will be responsible for supervising their activities as well as paying them their share of a commission on each property that they close. Real estate brokers will specialize in different types of properties such as luxury homes. New comers to the real estate world who have just recently obtained their license should interview with different brokerages as well as talk to different agents at the brokerages that they interview with in order to find the one that best fits them.
In order to attract new client's daily real estate agents should learn how to prospect in an effective manner. Some of the techniques used in order to effectively prospect is to cold call, knock on doors, use direct mail and contact consumers constantly.
The job of an agent is to negotiate sales once their clients have decided that they want to purchase a specific piece of property. The individual who will be purchasing the property will be helped through the entire process by the real estate agent. Effective and successful agents will make follow ups with their clients in order to ensure that they are still satisfied with their purchase; this may also help an agent generate new business through referrals.
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Article Title: Tips on Commercial Real Estate Investments
Author: Bruce Swedal
Word Count: 542
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Individuals who invest in commercial real estate have to use the right techniques in order to be successful. There are certain tips and guidelines that investors should consider using in order to be as successful as possible.
The first tip is to always think big. Some of the more experienced and successful investors give the advice to never purchase any property that has less than 10 units. It is like buying in bulk, the more units that are purchased the lower the price will be for each unit.
Investors are also given the advice to take their time. It takes more time to make a commercial deal than it does to make a deal on a family home. Commercial properties also require more time to purchase, renovate, and to sell. Investors should not view this as a negative aspect. When everything is completed the reward will be worth the patience that you had to exercise.
Apartments should not be a default choice for investors. It is common practice that most investors automatically look to invest in apartments because they have already gotten comfortable with residential properties. Due to this some investors forget about the other types of commercial property that they could be investing in. It is a good idea for investors to also look at office buildings, land, and even mobile home parks among numerous other types of real estate. Investors should look at all of the different property types carefully and choose what their niche will be based on which one will allow them to accomplish their goals. They should choose the best niche even if it is not within their comfort zone.
It is important that investors prepare themselves to spend a lot of time on the business especially in the beginning. It is essential to try not to begin to feel discouraged even if things are not going the way you would like them to go. Investors should know that dealing with commercial properties will probably be more challenging than dealing with residential properties. Over time with experience commercial real estate investors will learn what works best for them and before they know it the business will not feel like so much of a challenge anymore.
Commercial real estate investors need to appreciate just how important relationships are. Commercial real estate investors need to form strong relationships with fellow investors as well as private lenders. A good relationship will private lenders and other investors will come in handy throughout ones business ventures especially when an investor wants to purchase properties that are millions of dollars. These relationships may also allow investors to be one step ahead of the others as a large amount of commercial properties are purchased without them ever being publicly listed.
Investors work on relationships to build networks of resources they can turn to in situations they may need assistance in evaluating or when looking for answers to complicated transactions. Investing in real estate is a vast topic which one needs to be familiar with a large body of information. Often times it is too much for a single mind and experts are good assets to have when you need a place to turn.
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Article Title: Investing in Commercial Real Estate
Author: Bruce Swedal
Word Count: 519
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When most people think of real estate investment, they think of rental homes and apartments. However, current economic conditions make rental real estate riskier than ever. Even good honest tenants are subject to losing their jobs and being unable to pay rent. Furthermore, declining property values and rising taxes and insurance negatively impact profit potential.
Commercial real estate investment offers an attractive alternative to residential real estate. Leases are long-term and the checks are less likely to bounce. There are two basic types of commercial real estate investments: direct and indirect.
In direct commercial real estate investment, you purchase one or more business buildings. This option requires a large amount of capital and offers little liquidity. As the owner, you will be responsible for management and maintenance issues. Office buildings and manufacturing facilities usually provide long-term tenants and greater stability than retail establishments. But if you need your money, you have to find a buyer for the building. And again, you will have tax and insurance issues.
Novice investors have been burned by hidden environmental problems or zoning issues, so make sure to seek the advice of an attorney knowledgeable in commercial real estate issues.
Indirect real estate investments allow the smaller investor to enjoy the benefits of commercial real estate with fewer disadvantages. Funds from many investors are pooled and used for commercial investments. The fund's directors hire managers and address maintenance issues. Furthermore, shares in the fund can be sold at will, improving investors' liquidity.
There are many options in indirect real estate investments. You can consider the pros and cons of various investment types. For example, you may decide that America's aging population makes medical building investments a "sure thing". On the other hand, concerns about national health insurance issues leading to restrictive regulations in the medical industry may lead you to look elsewhere for investment opportunities.
The global marketplace makes it possible to invest in real estate anywhere in the world. However, differing regulations and politics may increase risk. On the other hand, rapid growth and profit potential may make the risks worth taking.
Like most investments, the costs of real estate investment shares have dropped considerably. However, the returns are still excellent compared to other investments.
And the real estate investors' mantra "They're not making any more land" is as true as ever.
You can go online to research major real estate investment funds. Maybe you can find the perfect commercial real estate investment to meet your financial goals.
It does not matter how many commercial real estate deals an investor goes through, they always have an established process that they utilize every single time to assure they cover all their bases and increase the likelihood of a great investment. Synergy has a lot of meaning in the commercial real estate market. By utilizing synergy of process and assets one can realize huge results and profits by making minor adjustments to strategy. Those minor adjustments can often mean the difference between success and failure.
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Article Title: Commercial Real Estate and It's Benefits
Author: Bruce Swedal
Word Count: 521
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Some individuals who have gotten involved with commercial real estate feel like it was one of the best decisions they have ever made. The business of commercial real estate is a secret kept by those individuals who are involved in the world and succeeding at it. Some of the rewards and advantages of becoming involved with commercial real estate is far greater than the rewards and advantages of other real estate ventures. Any individual who feels as if the business of commercial real estate is something that they would not be able to succeed in is wrong and should really reconsider this idea. Anyone who has down a little bit of research in order to become more educated on the matter and has the proper amount of motivation needed in this business can succeed. After one has become educated on the matter, they may come to realize that the benefits of this business are much greater than the expenses associated with it. Individuals that become involved with commercial real estate and truly commit to it and succeed are able to enjoy a life that others wish they had.
The very first benefit of dealing with commercial real estate is that the individuals involved in this business are able to create a work schedule that is best for them and their unique situations. Commercial real estate enables individuals to either work full-time or part-time, but still obtain a level of wealth that they never thought they would.
Working part-time in this business can be just as effective as working a full-time job. Some individuals new to this business may decide to keep their job and work with the real estate part-time until their cash flow increases, then they commit to it full-time.
Full-time commercial real estate professionals are able to avoid dealing with a boss and get to be their own boss. They can work in the comforts of their own home and build their very own business from the ground up. A positive cash flow along with an impressive net worth can be built relatively fast.
An appealing benefit of commercial real estate is that individuals do not have to train for years and years and work themselves up the corporate ladder. The barriers to become involved in this business are few which allow individuals to dive in whenever they want.
One of the benefits that entice individuals the most is the amount of profit that there is to be had. The great thing is that with the amount of profit that can be earned individuals do not have to use a huge amount of effort. One commercial real estate deal can provide individuals with the same amount of profit as they would see if they sold 100 individual family residences.
No matter how many deals an individual makes in commercial real estate they have to use the same process every time. One of the key words used in the business of commercial real estate is synergy. It means that huge results can be had by making very small changes.
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Article Title: Get Better Mortgage Terms by Improving Your Credit Score
Author: Bruce Swedal
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Thinking about buying a home? By taking a few preliminary steps in the months before home shopping, you can save thousands of dollars in interest.
Interest fees are based upon your credit score. By taking a few simple steps, you can dramatically improve your credit score over a few months.
Start by ordering your free credit report from all three major reporting agencies. Review all the listings. Be on the lookout for mistakes, inaccuracies, and duplicate listings, as well as debts over seven years old. Promptly contact the agency to correct any errors. They are required to confirm listings within thirty days or remove them from the report.
While you're waiting for the agency's response on disputed debts, review your credit card balances. You may think that a credit card "paid in full" provides the best reference, but it is more effective to show card being used responsibly. Thus, the optimal balance is about 50% of the credit limit.
Next, look for any major debts in good standing that are NOT listed on the credit reports, and contact the creditor to request that they report your good payment history.
Finally, be prepared to explain any negative items on your credit report to a potential lender in terms of a) how it happened, and b) why it won't happen again.
There are services that you can use to obtain your actual credit score. Most of these require a monthly membership fee, but you can usually join on a trial basis and then cancel the membership.
Do not fall victim to credit repair scams, consolidation loans, or unethical credit counselors. Most credit repair scams operate by sending form letters disputing all negative items on a credit report, hoping that the agency will be unable to meet the thirty-day deadline and drop the negative listings from the report.
Consolidation loans may appear to be a good solution, combining all your debts into one easy payment. However, it's often tempting to use the paid-off credit cards, ending up owing payments on both the consolidation loan and the credit card accounts.
Be sure to check the references of credit counselors. These often work by combining outstanding debts and establishing a single payment to the agency. They then negotiate lower payments with creditors. Unethical counselors charge huge fees for their services, reducing the amount available to pay creditors.
When you are ready to shop for a mortgage, talk to loan officers before applying. For example, if one of your credit reports list a number of negatives, but another doesn't, it will help to know which reporting agency the lender uses. If you know there could be a problem, discuss it openly and honestly. Too many inquiries in a short period of time can have a negative effect on your credit score, so try to find the lender most likely to approve you on the first try. Realtors can often be a great resource to finding quality lenders with a good track record.
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Article Title: 6 Ways to Find Foreclosure Properties
Author: Bruce Swedal
Word Count: 526
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Foreclosures are at an all-time high, and real estate prices have dropped considerably. While many people are struggling, others are in a position to take advantage of the opportunities the current market has to offer. But how do you find foreclosure bargains?
The Internet
The internet has many companies specializing in listing foreclosures. Listings are available in all areas. However, most of these companies charge a fee for the information, and sometimes the information is outdated or inaccurate. Take advantage of trial membership offers to determine the quality and accuracy of listings.
Newspaper and Classifieds
Laws require public notice of foreclosure sales in a local newspaper. Auctions are often held at the local courthouse. You will need to know the financial requirements for bidders, as well as the necessary procedures.
Both newspapers and local "shoppers" often list properties for sale by owner. These properties are often listed by homeowners trying to get out from under a crippling mortgage burden. However, there is often a great deal of competition from other investors.
One solution is to place your own ad offering to buy homes. Homeowners will often contact you before publicly advertising, reducing competition from other investors.
Direct Mail
Some investors send out mailers, again offering to buy homes. This can be an effective method, especially if you want to focus investments within a certain area.
Real Estate Agents
Real estate agents are often aware of properties in various stages of foreclosure. Establishing a good working relationship can help you obtain information on bank- or government-owned properties.
Banks and Finance Companies
Banks and finance companies often have lists of "REO" properties—Real Estate Owned. Too many REO's create problems for lenders—not only are properties subject to vandalism and deterioration, they aren't bringing in any income. You can often get highly favorable terms by buying direct from lenders. And once you establish yourself as a reliable investor, you may find the process even easier.
Word of Mouth
Most investors find that word of mouth is one of the most effective ways of locating foreclosure bargains. Hand out business cards to everyone you know, letting them know you are in the market for foreclosure properties.
Buying foreclosure properties can be a profitable investment, or it can turn into a financial disaster. Be sure to inspect properties carefully to determine if there are serious deferred maintenance issues or significant damages. Obtain professional advice where necessary, and review all documents carefully before signing.
Property condition is often a factor when looking for a foreclosure property, because there is a reason that the home was foreclosed upon. Typically the previous owner was experiencing a hardship of some sort in their financial situation. This often means that prior to the home getting to the foreclosure stage. The home often falls into disrepair. It only makes sense. If the previous owner could not afford to stay current with the payments that they could also not afford to keep the home maintained.
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Article Title: What Buyers Need to Know About Short Sales
Author: Bruce Swedal
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One of the hottest trends in bargain real estate buying is the short sale. This occurs when a home sells for less than the total amount owed on the mortgage and can be an alternative to foreclosure. This can provide a bargain for the buyer as well as an alternative solution for both the seller and the lender.
The most important member of the short sale transaction is the mortgage lender. The mortgage lender has to approve the short sale, and that permission is not automatic. The seller will need to research the lender's requirements for approving a short sale and meet those conditions promptly.
Several factors may affect the lenders decision to approve a short sale. One factor is the number of foreclosures in the area. Lenders don't want a large number of vacant foreclosure homes on the books. Besides the risk of vandalism and deterioration, a large number of REO (Real Estate Owned) properties look bad for bank management. Another influencing factor is the reason the seller is facing foreclosure.
The bank may look more favorably on circumstances that are not the "fault" of the homeowner, such as illness, layoff, or divorce. It may help for the homeowner to write a letter to the lender detailing the circumstances surrounding the financial problems. Some lenders are even willing to refrain from reporting the short sale on the seller's credit report.
Sellers may start out by trying to list the home at a price that will pay the loan in full. An experienced Realtor may recognize that the price is too high and suggest the seller consider a short sale. The Realtor can also be instrumental in convincing the lender to approve a short sale by presenting information on comparable sales (comps) in the area.
Short sales are popular with buyers because of the bargain price. However, if prices in the area continue to fall that bargain may turn into a burden. Furthermore, a homeowner with financial problems may have deferred maintenance on the home that could lead to the need for expensive repairs.
Finally, many common inspection expenses are traditionally paid by the seller. In a short sale, the seller may not be willing or able to pay for inspections. Again, this can lead to considerable expense if a hidden problem arises after the sale.
The seller's financial problems may also have resulted in liens placed upon the property, so title insurance is essential.
The approval process for the short sale may add several months to the closing process, so be prepared for delays.
A short sale can be an ideal solution for both buyers and sellers, as long as both sides know what to expect.
If either side of the transaction goes in with unrealistic expectations, the process can turn quite frustrating. Deadlines are often missed as the lender does not adhere to them. The lender will never respond to the offer as quickly as the parties would like. In cases where the buyer is under a timeline to move the process will often end badly.
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Article Title: What Is That Perfect Type Home?
Author: Bruce Swedal
Word Count: 489
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There are a number of things to consider when you're buying a home. Where do you want to live? Do you want to live in the suburbs? This can obviously affect your commute. Is this a neighborhood where you want to live? Don't forget to consider the investment value of where you want to live. Make sure the area has seen consistent price appreciation.
I addition, there's the question of what type of home should you buy. This will depend on your lifestyle, but be sure you are buying the right type of home, in the right area, based on investment value. After all, buying a home is also an investment.
Some say that newer homes are better investments. After all, they're brand new, everything is sparkling. They have current architectural styles. The new neighborhood amenities (such as, pool, recreation centers and shopping) make the neighborhood very convenient. Plus, you've probably heard that most new homes appreciate faster.
However, from an investment standpoint, pre existing homes can offer just as much, in some cases even more opportunity for appreciation. Older homes are generally closer to the city, which means convenient areas. Then many older homes actually have better quality construction than today's newer homes. On older homes you may find slate roofs, copper gutters, chimney flashing and hardwood floors. Finally, older neighborhoods are established, which means, "what you see is usually what you get."
But, older home may not have the newest style. The kitchens and bathrooms could be outdated. Finally, newer homes are usually maintenance-free, while you may have repair bills with older homes. Newer homes have downsides too, including the possibility of poor workmanship, poor location or unsettled.
Your real estate professional can help you make the best decision. Both older and newer homes have advantages and disadvantages, but both can be excellent investments.
Should I buy a single-family home, condo or town home? The answer to this question depends upon your lifestyle and each type of home has different investment potential. If you have a growing family, then avoid a condo. If your family is small, you may not need the space of single-family home. A condo may offer you a better fit..
Consider that the largest percentage of buyers end up buying a single-family homes. Most families have children and a lot of things to store, so they want single-family homes with more space. Therefore, single-family homes are often easiest to resell and have higher price appreciation potential. Town homes and condominiums also can offer excellent investment opportunities. Make sure you buy one in an area that is likely to see price appreciation. Real estate is about location. Your real estate agent can help you with this evaluation.
Please remember, you can contact me any time for advice at my website BruceSwedal.com.
About The Author: Bruce Swedal is a Littleton Colorado Realtor providing professional real estate services to the Littleton real estate market. Visit for your FREE online Denver Home Search at http://www.BruceSwedal.com
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Article Title: 9 Tips To Get Your Home Sold Fast
Author: Bruce Swedal
Word Count: 714
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The housing market has changed. Not too long ago you could put a home on the market and it would sell in a reasonably quick time. This is no longer the case. Now more than ever, you must follow these steps to understand the market if you want your home to sell. You need to do your homework.
Understand your reasons for selling: Your reasons for selling affect everything from setting a price to how much time and effort you will invest in preparing your home for sale. You need to understand what is more important: the length of time your home is on the market or the amount you walk away with? Your motivation will dictate the sales strategy.
Research the market: Your real estate agent should do this for you. Find comparable homes that have sold in the last three to six months. Also check into where current comparable homes on the market are priced. This is what potential home buyers will do and you need to do this before setting your price.
Price your home based on the market: This step should not be taken lightly. In setting your price you are stating this is the maximum a buyer needs to pay for your home. Pricing too high and pricing too low are equally dangerous. An average home buyer will look at anywhere from 15 to 20 homes as they shop. Your home needs to compare favorably with the competing homes available. If your home does not compare favorably to the others available, you will create the wrong impression with buyers and their agents. This will cause your home to sit on the market longer than average. As your home ages on the market, buyers will begin to think there is something wrong with it.
Get a good Realtor: Many home owners will tell you that they wouldn't use the same Realtor who sold their last home again. Often this is due to poor communication and lack of feedback. Make sure that everyone understands the communication expectations from the beginning. On my website you can get a free report on the 10 questions to ask before hiring an agent.
Make your home shine: Appearance is a crucial element in any home sale. Corporations spend billions of dollars every year in packaging products and skipping this when selling your home would be a huge mistake. Major changes may not be financially feasible, but do everything possible to improve the appearance. Make sure that you prepare your home for showings by cleaning like you have never cleaned before, straighten, pick-up,
Provide easy access to good information: When home sellers are first asked what they feel is going to be most effective in selling their home most answer with an open house. Less than 1% of homes are sold because of an open house. Nowadays home buyers value their time just as much as you do. They want information and they want it now. Be sure that your Realtor offers a 24 hr recorded hotline that allows buyers access to information about your home. With this tool as many as 3 times more buyers will call for information. More buyers can create an auction like environment for your home giving you a position of strength.
Know who the buyer is: Motivation is a key element of the negotiation process where the objective is control. Does the buyer need to move quickly and can they pay asking price? Key information like this can give you the upper hand through negotiations.
Put it in writing: Sellers that understand the process will go above and beyond to disclose all the properties defects to the buyer in writing. If a problem is disclosed properly the buyer cannot come back later to sue. All the terms and responsibilities should be spelled out in writing. Resist the temptation to make unnecessary last minute changes.
Sell first and move later: Vacant homes look forlorn and are more difficult to sell. The home has a forgotten, vacant feeling. Moving before selling could also cost you thousands during negotiations. Buyers will think you are highly motivated because you have already moved on. This will give the buyers the negotiating edge.
About The Author: Bruce Swedal of ReMax provides professional real estate services to the Denver Real Estate market including: Highlands Ranch, Littleton, Castle Pines, Castle Rock, Parker, Lone Tree, Englewood, Centennial, and the entire metro area. Please visit http://www.bruceswedal.com for a Free Home Search.
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Article Title: Adventures In Wally World--The Saga Continues
Author: D. Gorman
Word Count: 2090
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I must be a glutton for punishment.
Think I can conquer the monster known as Walmart. Men are thick headed. There ladies I said it. We think we can conquer, fix, or figure out anything. Then we wonder why women go to the bathroom together! To talk about the stupid things their men do!
Why do I go to Walmart? Well, where I live it is the closest and only place that is open after midnight. You would think it would be very easy to get in and out of there. Ummm, no, not when you have the 20-30 night owls trying to checkout at the only register open that late. Anyway here is what happened to me the other night...
I am lying in bed minding my own business when my wife says, "you need to go to walmart". Nails on a chalkboard, fork scrapping teeth kind of thing. So, as I curl up in the fetal position and stick my thumb in my mouth, I say "WHY!?" My wife says, "we need milk" and she wants to get a new bed set for our son's bed. "Please tell me you are not serious." My wife turns her head and gives me that "look". Nuff said. I had my shoes on before she could finish the glare.
When a woman wants something she wants it now. Not in a minute. Not in a second. Right now. It is a prerequisite for being woman, hear me roar, blah, blah, blah. Please don't tell my wife I said that...lol. But, I digress. Back to the torment.
I head to walmart and I figure I might as well get gas and spend my monthly PIP budget for 5 gallons of fuel. I get to the pump and gas tank is on the other side. My car has the tank on the right, my wife's is on the left. Why can't that kind of crap be universal? So, I fill up but only end up with half a tank.
I start toward the entrance and the hairs on the back of my neck start to stand up. The inside of me is screaming "NOOOOOOOOOOOOOOOOOO! Not this again"!!! So, I take a deep breath and head in. Look around, not too many people, it's late, piece a cake.
Oh, come on now, who am I kidding.
As soon as I walk in, there is a new orientation group standing right in where they store the carts. So all 10 of them greet me. I am all for civility, but who on God's green earth does orientation at midnight?!?! So after getting my choice of the 3 carts they pushed at me, I move on.
I know that milk and bedding are very close to each other on the far side of the store. So, I grab 2 days supply of food and water and start the journey. After walking for about 30 minutes I see this guy stocking and struggling with a weight set as he is trying to get it on a shelf. So, I go over to help him. He says, "this is my job and I can handle it!". So, being the sarcastic butt I am, I have to say something.
Cannot just say "fine" and walk away. I tell him, "Dude, I never said you were a wiener or anything. Just did not want you to drop that on your head. But, if you got it you got it. But don't look for me to help you when your spine drops out of your tailpipe."
He said, "Kiss my @$$". This kid was probably 20-21 and I looked at him and said, "I may have deserved that, but what did you just say to me?" I liked this guy. He said, "Sir, kiss my @$$ and thank you for shopping at Walmart". I laughed. Man that was funny! I told him that I would go get the girls in the flower department to help him lift those weights next time and started to walk away.
Next thing I know a super or manager or something says, "Excuse me sir, is my employee bothering you?" I said, "Where in the world did you come from? Were you hanging in a light fixture?!" I told him, "no, he is fine, just trying to do his job". So, instead of letting it go, this supermanger says, "I think he is bothering you."
Why can't I just walk away!!
I turn to him and say, "The guy is doing his job, please leave him alone. I want to go get what I came to get from this torture chamber and go home. I don't know what your shift is, but mine does not go until 6AM." You would think the guy would say, "OK sir, you have a nice evening". No. Of course he would not. He says, "Sir, please stay here for one second". He then gets on his two-way that looked like it came from the toy section and heads back my way.
He says, "Sir, I would like you to file a complaint". I told him that there was no complaint to file. I just wanted to partake in the great bargains of their lovely store and the wonderful items. I was a bit grumpy now if you could not tell.
This guy was adamant! He had security come over and also the night manager! All the while the weightlifter kid was looking and had a smirk on his face. He could care less. Mom and Dad making him work in the real world while he is in college. Little punk. I guess he and I were the only ones not taking it seriously. Maybe I should have the wiener drop the weights on supermanager! Oh, wait, he can't lift them, so nevermind.
The security guard had to have been 70 years old. He comes up and they are having this discussion. Top secret stuff. The night manager says, "can you handle this" to them and goes back to more important things. I told them they had 2 minutes to resolve this or I would be gone. The security guard says, "Sir, please calm down".
I laughed because I just asked a question. He must be watching too many Hawaii 5-O or Cops reruns. I had my head down now trying to be polite because I respect my elders and wanted to finish this freaking ordeal.
The supermanager asks if I will file a complaint and again I said no. Then I told him if he had any other questions for me, the answer is---no. You know that tolerance gauge that is built into you? Mine was starting to break. I started walking away. 20 minutes was enough and I was irritated like when one of those pine needles gets stuck in your sock and you can't get it out.
The security guard must have given up because he was already back in the electronics section watching TV.
I look back and see the supermanager yelling at that kid. The kid is just smiling and I can read his lips. "Whatever dude, whatever dude". What was the point of trying to help that young turd? We are supposed to I guess. Then, my wife calls and says, "What is taking so long?"
As I deflate, I explain the story and she is smart butt like I am. She says, "Hurry it up slacker".
I finally get to where I was headed and decide to get the bed set 1st. I have no intentions of letting milk sit in the cart and spoil because I know something will happen. I call my wife and I ask which bed set she wants? "Tell me what they have". GRRRRRRRRRRRRRR!!! I had her look online at home and pick one. So as she is going through them I pull one down I like and sit it by my cart.
This little Oriental lady, about 50 walks by. This was her section. I found that out very fast. She sees the bed set I have lying on the floor and points at it. I tell her I am looking at it and she walks over and grabs it and puts it back on the shelf!! I pull it back down and tell her I am looking at it. So she goes away. Talk about customer service over-kill. Geeez.
My wife can't decide. I love my wife. I would not put myself through this if I did not. I tell her can we get a rush on it because it is almost 1 and I am tired. I said, "You should have came with me". She is good. She says, "What do you think I have you for"? I pull down 2 and I have them stacked by my cart and go grab another my wife likes so I can describe them to her on the phone.
I go back and the 2 I pulled down are gone! I see that little lady putting them away! I tell her I want to look at them and she points at me and walks away? Huh? I tell my wife that I want to go so she needs to pick one. Know the answer I get. "I'm tired, you pick one and hurry up and get home". AHHHHHHHHHHHHH!!!! I told her I love her, but was going to beat her when I got home.
I grab one, head back to my cart and now my flipping cart is gone!!!!!! I see the little lady halfway across the store taking my cart back with the little things in it I grabbed on the way back to bedding. So, I grab a gallon of milk and the bed set and yell at her, "HEY"! She stops turns around and brings it back to me. I put my stuff back in the cart and I thank her and she points at me and walks away. Huh? That was starting to weird me out.
So, I have everything and head toward checkout. I am standing in line at checkout and guess who? The supermanager asks if that lady was bothering me! I said, "Look. To be honest, you are the only one who is bothering me and here is a tip for you. You take your job a little too seriously".
Bad move. Why can't I just be quite.
He goes on this spree about how he takes pride in his job and has been employee of the month, etc. I handed him a home business flyer I had in my pocket! HAHAHA "Your a slave"! He took it and walked away. I am sorry, but I could not resist. I was tired, grumpy, and now hungry.
2nd in line from cashier and baby I am home free. Guy in front of me gets everything scanned and left his wallet in the car. Welcome to "Walmurphys". I don't cuss, but I was under my breath now. @#$@#$%^& %$^&$#& &*%&* **%*(%^@%^&$* 245@ @$%$@ 46 sfgwb7b y!!!!!
The guy finally comes back, on his cell with no care of the 5 others behind him waiting on his turtle moving @$$!!! I finally check out and leave the store.
Guess who is outside of the store? The wiener.
He says, "Dude, you got me in trouble". Huh?!!?! I told him I just tried to help him out. Then he says, "I should kick your @$$". The big man that could not lift 50 lbs over his head. I grabbed the bed set by the handle and hit him in the head with it and told him to get back to work! He went back in cussing me out all the way in. What is it with all of the chips on the shoulders of these people?
I saw on the news where a guy got fired from Walmart for posting on myspace that if they dropped a bomb on walmart that the national IQ average would go up. I could not agree more. The bad thing is, I go there so maybe that rocket has my name on it. I imagine I will be on there hit list soon. Right up next to the shoplifters.
God Bless,
About The Author: Doug Gorman is owner of Work Be Gone! and writes on multiple topics from business to humor. To receive more information from or to request written material for use please visit: http://www.workbegone.com
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Article Title: Productivity Measurements And Telecommuting
Author: Sam Miller
Word Count: 517
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Over the years, the improved channels of telecommunication have paved the way for an increase in number of Telecommuting jobs. Telecommuting occupations are not your typical office work and that is why, it has become a focus of productivity measures issues. There are a lot of myths that surround telecommuting and Productivity Measurements. Some say that measuring productivity is much more difficult in telecommuting rather than in regular office work.
Before going forward, let us first individually define what Productivity and what Telecommuting is. Productivity (in Economics) refers to the amount of output produced in a specific amount of time. In a factory or office setting, this can easily be computed by dividing the number of units of output with the time spent to produce them. For example, an office worker is given the task to compile kits for the participants of a lecture. He was able to compile 25 kits in 1 hour, and that becomes his productivity rate.
Quantitative data is more easily translated into productivity rates rather than qualitative data. On the other hand Telecommuting (otherwise known as working from home) is form of work where the employee works on his or her own schedule. It is called telecommuting because the time and process of commuting to and from the work place are replaced by links of telecommunication. A few of the most popular telecommuting tasks is Medical Transcription and Insurance Underwriting.
The issue that lies between Productivity measurement and Telecommuting are claims saying that Productivity measurement is harder to achieve than with regular office work. This is claimed to be the major downfall of telecommuting. Because of this, employer supposedly has no hold on the productivity of their personnel who work form home.
However, that is really not the case. Productivity Measurements are still easily achievable with Telecommuting Jobs. The rate telecommuting employee works, is the same with every project that he/she receives. A Medical Transcriptionist may complete transcription of 5 files in an hour. No matter how many hours a day a medical transcriptionist chooses to work, his or her hourly rate is still the same.
Another myth about productivity measurement and telecommuting is that an employer has no hold on how much an employee works on a set number of days. This is contradicted by the fact that employers enforce deadlines that a Telecommuting employee must adhere to. In example, an Underwriter is given 10 insurance policies to process in a span of 4 days. It is of no consequence to the employer how his or her Underwriter divides the task over 4 days as long as it is completed within the set number of days.
Telecommuting is a practice that will undoubtedly continue to grow. Despite early fears that it may not be a as easy to regulate and measure as regular office work, it has been proven that it is not so. That is the reason why employers should not shy away from hiring telecommuting personnel because they can still measure and regulate their productivity rate despite not having set office hours.
About The Author: If you are interested in productivity measurements, check this web-site to learn more about productivity ratio. http://www.measureproductivity.com/
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Article Title: What Use do I Have For a Contemporary Rug?
Author: Paul Egan
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There are many different options when deciding to display a contemporary rug within a room in your house, if you have no idea of these options why not research them today. Home decor, especially contemporary design is becoming extremely popular these days and although many homes do not have any round rugs or carpet runners they are becoming a more frequent addition to a lot of homes. Depending on the way you've decided to decorate your home and the layout of the rooms, a contemporary area rug may be a valuable addition. Also by adding a contemporary rug it can have the effect of drastically change the feel of a room, and the perception it gives to other people, from a cold, bare room to a comfy, warm one.
As I said before, there are many different possibilities for a contemporary rug in the home. You may already have some fantastic ideas on how to use them, in fact I'm sure some of the more creative of you would be able to give me some advice for the use of runner rugs around the home! But here's a few ideas that you may consider.
One of the main reasons, in my opinion, for choosing to buy a contemporary rug for your home is to break up and add a lift to a room of all one colour. Contemporary area rugs are the perfect accessory for injecting that hint of colour and pattern. The more vibrant and patterned the rug, the more impact it will have on the room. Obviously there is a fine line between vibrant and garish, so choose wisely. The carpet runner or round rug should add life to the room not make it uncomfortable to be in.
Staying on the theme of visual appearance, another great use for any runner rug is to break up the look and feel of, not just the room as a whole but also specifically the floor. Many types of flooring are enhanced by adding a stylish contemporary rug at strategic places of the floor. All types of flooring can be revitalized by just one rug placed to break up the pattern, hard wood floors, tiled floors and even floors of just concrete are all perfect places to lay a contemporary rug. Not only do these rugs break a pattern but they also add a little comfort to what is essentially a hard cold floor.
Besides the reason of appearance, colour and comfort to a room, another reason to purchase a contemporary area rug is purely for practical reasons. Although the contemporary rug you choose will look good it will also help in keeping the floor clear and clean. Some of the cheaper contemporary rugs are often used as a more attractive door mat, obviously you wouldn't use some of the more expensive rugs for this purpose but it can definitely be a change to the more standard hessian door mats. Contemporary rugs in any room will protect the floor beneath it giving you one less area to worry about when doing that ever enjoyable chore.... housework!
Hopefully these ideas have given you some options as to how to utilize a contemporary rug in around your house. Some of us like to have one or two rugs at certain places in our home to add to the decor, others use them in every room in the house. No matter what the reason or use for a contemporary rug there are many plus points on displaying the right one with the right look and feel in your home.
About The Author: http://www.arenafurniture.co.uk/mcp/Contemporary_Rugs.html Contemporary rugs, Discount online UK furniture shop, North London furniture retailer, Arena Furniture for free delivery in UK ? the best furniture shop online, marble dining tables, dining table, glass
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Article Title: What Are The Essentials For Your Work From Home Jobs?
Author: Paul Egan
Word Count: 615
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The German philosopher Immanuel Kant said that if you sit at home alone at your empty kitchen table, eventually, the "whole world will come to you." Well, today you don't need the great mind of a philosopher to make the entire world come into your living room. What you do need for all your work from home jobs is a phone jack.
We live in a unique time in history; some might say a perfect time to change jobs and start to work from home. Satellites, fiber optics, the integrated circuit and other communications miracles mean that you can be just about anywhere in the developed world and establish communication with anyone.
The telephone, the fax machine, the computer, the modem -- all of these are not only affordable by any middle-class citizen; they are the key to eliminating your need to drive a hectic freeway everyday to get to a place of work outside your home.
With these devices at our disposal, we should allow ourselves to "think globally." Too often, work from home jobs focus on the narrowest market, the neighborhood, the county, the city or state. This is fine if you are providing a local service and are content with a certain moderate level of income. But if you want the big bucks, you should not think small. Also, you should not believe that, just because with your job you're working from home, you cannot compete with the big guys.
The purpose of any business is to seek assess and seek out every possible market for its products and services, to ascertain whether these markets have the ability to buy these products/services, to determine whether there is sufficient profit in these markets to warrant approaching them, and, once positive assessment has been made, to launch a sustained marketing campaign that gets a significant percentage of this market to purchase the product or service in question.
Your home telecommunications machines will not only enable you to do this, but they can also help you overwhelm larger, more cumbersome traditional businesses that are your competition.
With any of your work from home jobs, you will not have all of the disadvantages of your more traditional competitors: no office rent, equipment or expense; no employees to pay salaries and fringe benefits for; no time wasted on meetings, employee problems, paid sick leave, etc.
All the money your competitors spend on heating the office and buying furniture could better be spent on the actual marketing itself.
With your work from home jobs, you will be already positioned where the traditional business is currently struggling to move: toward the lowest possible overhead and the greatest possible concentration of dollars on products/service development and product/service marketing.
So, jobs where you work from home take full advantage of three major goals of modern business success:
(1) Vastly reduced overhead
(2) Easy access to a global market
(3) Full advantage of telecommunications.
To not have the basic telecommunications toys -- computer, modem, fax, and telephones is impossibly stupid. Still, even in this day and age, many of people strongly resist the one element that is undoubtedly the heart and brain of any successful work from home job -- the computer. The computer is an essential and one definitely not to be left out when starting any of your work from home jobs. And remember, learning to use a modern computer is easier than learning to drive a car, so you have no excuse not to plunge forward.
To your success
Paul Egan
About The Author: For more information about work from home jobs and three FREE ebooks to help you on your way visit: http://www.pjeaffiliate.com
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- "Paul Egan" <submissions@isnare.net> May 04 06:10PM +0800
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Article Title: Small Home Base Business Success Secret
Author: Paul Egan
Word Count: 543
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The real secret to small home base business success has nothing to do with what you might think is the obvious, ie technology tools, the internet or anything like that. In fact, it isn't even a real secret. It has been around since man started to communicate. It's WORDS!
Words carry enormous power. They can make you laugh hysterically, or destroy a relationship or friendship. Words have more power in them than any other tool at your disposal for your home base business.
Effective use of words, especially in home base business, means skyrocketing sales, satisfied clients, happy employees, and a profitable and secure future. Yet, less than 1% of small entrepreneur home base businesses use words with full power.
The power of words can be learned and used effectively by anyone, and when this power is harnessed there's nothing on this earth that can stop you. This art of using words is what is called copy writing. Copywriting makes or breaks your sales and advertising material.
One of the ways an "amateur" copywriter who is writing for his own product or home base business can beat the experienced pro is by infusing the sales letter or ad with his own, honest, intense enthusiasm. When doing selling in print, enthusiasm is just as important as in face-to-face selling.
This is why, in the majority of cases, you can't just sit down and write an ad "on command", like you can sit down and do bookkeeping. You have to work up some enthusiasm for the job and the proposition you're putting across.
If I'm going to write an ad or some other sales material the first thing in the morning, as I often do, I try to set my subconscious mind working on that job before I go to bed the night before. Sometimes I wake up with the "big idea" that I need, other times I at least wake up with ideas and a readiness to write them and pick and choose.
Don't force yourself to "grind out" direct-response copy when you really don't feel like it because the result will be flat and mechanical. It may be technically correct with a headline, subheads, bullet points, an offer, etc., but it will lack spirit and enthusiasm.
The person who is genuinely enthusiastic about what he/she is selling definitely has an advantage. That's why the freelance pro copywriter should always download as much of the pitch from the product's most enthusiastic salesperson as possible. Then transfer it to paper and shape and mold it to perfection.
Over the years, the work I've done for clients and ad agencies has proven that the most successful work was for clients that were passionate and enthusiastic about their home base business. So before you tackle that next ad for your home base business, make sure you're as enthusiastic about it as you want your clients to be.
Good lick with the success of you home base business and I hope this has been of some help.
Paul Egan
http://www.pjeaffiliate.com
About The Author: For more information about Starting A Home Based Business and three FREE ebooks to help you on your way visit: http://www.pjeaffiliate.com
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