Open Out55342

Prior Planning Prevents Poor Performance (PPPPP) - Building a Successful Website

2007-11-25T22:12:00.000-08:00

Anyone who has been in business for any time knows the meaning of PPPPP. It is the mantra that a person should learn early in their lives to be successful.

Anyone who has been in business for any time knows the meaning of PPPPP. It is the mantra that a person should learn early in their lives to be successful.

Prior Planning Prevents Poor Performance (PPPPP) is a simple yet elegant reminder that one must invest time to plan projects. The more time spent planning, the more successful the results.

Building a website is no exception to this rule.

Too many times a person gets a flash of brilliance on a topic for a website. Without properly checking the level of competition or without checking the popularity of the keywords for the topic, he/she picks a web host and throws up the website. Unfortunately, the odds say that the website has about a ten percent chance of succeeding.

I first heard about the "5P" (PPPPP) concept when I was a young lieutenant in the Army. My commanding officer was a stickler for planning, and I observed that his projects went smoothly, were completed on time, and were within budget due to his prior planning.

Building a website is a perfect example where the 5P concept works very well.

If the keywords for the topic of your website use are very popular and it will be very difficult for you to get listed on a search engine results page higher than number three, you are dead from the start.

To properly plan, you need a keyword research tool that helps you evaluate the various keywords of interest so you can isolate a niche where the competition is not too fierce. This will allow you to carve out your area of expertise and succeed.

The best web host will supply this keyword research tool to you as part of the web hosting fee. Do not settle for less.

You can find more information about finding the best web host on the-best-web-host.com. Do not settle for less.

In closing, remember the quote, "If you fail to plan, you plan to fail". This is restatement of the "5P" principle.

Good luck and good "5P" planning.

Copyright 2007 John Howe, Inc.

John V. W. Howe is an entrepreneur, author, inventor, patent holder, husband, father, and grandfather. He has worked with computers for over 44 years. He is an expert in website creation and web hosting. He has published over 60 articles on the Internet covering diverse topics. His website http://www.the-best-web-host.com helps people analyze their needs and match those needs to the best web host. He also publishes http://www.boomer-ezine.com an ezine for Internet entrepreneurs.0 Car Deal Finance New
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Pp

Statistics On Teenage Relationships

2007-11-24T01:01:00.000-08:00

Being a teenager is a troubling time. While adjusting to all the changes going on both in your biology and your responsibilities, making the right decisions can be hard when it comes to topics such as relationships. In this article, we'll offer some statistics regarding teenage relationships so that you can better understand exactly what's in store for the average teenager who is dating.

While domestic violence is a terrible aspect of adult relationships, few adults realize that this problem also occurs in their sons and daughters. A study conducted by "Children Now" in 1995 saw that a full 89 percent of teens have been in dating relationships and a whopping 40 percent of all teenagers know someone their age that was beaten or abused by a boyfriend in a relationship. This is a serious problem that every parent needs to watch out for to ensure the health and safety of their children. Another study, conducted by Silverman, Raj, Mucci and Hathaway in 2001 showed that young women who were in relationships that involved violence were more likely to abuse substances, develop eating disorders, conduct risky sexual behaviors, get pregnant, and even commit suicide. As you can see, domestic violence in teenagers is very worrisome for a host of reasons.

In the good news department, the number of teen pregnancies occurring in the United States has been declining since the early nineties. These decreases are found across the board, with age, marital status, and ethnicity not being a significant factor in the decrease, representing a uniform drop. Studies show that this drop in teen pregnancy can be due to the greater use of contraceptives by teens. Lowered rates of sexual activity amongst adolescents also are a factor in the declining rate. However, the teen pregnancy rate in the United States is still one of the highest rates in any industrialized nation. The use of contraceptives needs to be encouraged by all parties, regardless of religion or creed. If a teenager has sex unprotected, they run a risk of getting pregnant that is approximately 90%.

One aspect of teenage pregnancy that is frightening is the number of adult males that are having sexual relationships with teenage females. In cases where a girl aged 15 to 17 gets pregnant, over 50% of the time, an adult male is the father. A study conducted in California showed that seven out of ten teenage births were caused by men aged twenty or above.

Jonathon Hardcastle writes articles for http://learntobecloser.com/ - In addition, Jonathon also writes articles for http://4homelife.net/ and http://foracloserfamily.com/1 35 Modellbau
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Learn to Play Craps - Tips and Strategies: Calculating the House Advantage

2007-11-22T14:33:00.000-08:00

Contrary to what you probably read in books and other Internet articles, craps is designed for the casino to win and the player to lose. Over time, the player always loses. The fact is, no matter what bets you combine and betting patterns you apply, you can't overcome the house advantage. No hedge-bet method (i.e., combination of bet types and bet amounts) will ever change the negative expectation to result in a player advantage. The best you can hope for is to minimize the house advantage and maximize your fun. The knowledgeable player knows he's supposed to lose, so he plays for fun and excitement. He hopes, but doesn't expect to win. The secret is to find the optimal mix of variables that allows you to walk away with something left in your pocket and be happy that you didn't lose it all. The secret allows you to play longer, lose less, and leave in a good mood. You might even leave a winner, making your gambling vacation even sweeter.

Let's take a basic look at how the casino gets its advantage over the player. When you understand the math and the fact that casinos pay less-than-true odds, you'll understand why you can't beat the casino over the long haul. The following simple comparison between two bet types demonstrates two fundamentals that the player must fully understand before putting money on the table. Let's look at the Place 6 bet and the Big 6 bet.

With these two bets, we bet the number 6 against the number 7. Knowing there are 36 possible two-dice combinations, let's assume we experience a "perfect distribution" where, in 36 rolls, the number 6 appears five times and the number 7 appears six times. When betting the 6 against the 7 over 36 rolls, we make a total of 11 bets (i.e., we win five times when the 6 appears and we lose six times when the 7 appears; therefore, 5 + 6 = 11). It's important to understand that the casino takes a set percentage out of every possible bet (except the free Odds bet). So, instead of true odds, they stick it to the player by paying casino odds, which are less-than-true. Given these basic assumptions, let's look closer at the Place 6 and the Big 6.

The Place 6: To get the full Place odds (i.e., casino odds of 7:6, which are less than the true odds of 6:5), assume we bet $6 on each of the 11 bets. (The 7:6 odds means for each $6 bet that we win, we win $7.) Therefore, our total bet investment is $66 (i.e., 11 bets x $6 per bet = $66). We win five bets when the 6 appears; therefore, we win $35 (i.e., 5 x $7 = $35). We lose six bets when the 7 appears; therefore, we lose $36 (6 x $6 = $36). By winning $35 and losing $36, our net loss is $1. We determine the house advantage by dividing our $1 net loss by our $66 total investment, which results in a 1.52% house advantage (i.e., 1 / 66 = 0.01515, which equals 1.52%). A 1.52% house advantage means we can expect to lose an average of about $0.15 for every $10 that we bet.

The Big 6: This is an even-money bet (i.e., casino odds of 1:1), which means if we bet $6 and win, we win $6. Like the Place 6, our total bet investment is $66 over a 36-roll perfect distribution (i.e., 11 x $6 = $66). We win five bets when the 6 appears; therefore, we win $30 (i.e., 5 x $6 = $30). We lose six bets when the 7 appears; therefore we lose $36 (i.e., 6 x $6 = $36). By winning $30 and losing $36, our net loss is $6. We determine the house advantage by dividing our $6 net loss by our $66 total investment, which results in a whopping 9.09% house advantage (i.e., 6 / 66 = 0.0909, which equals 9.09%). A 9.09% house advantage means we can expect to lose an average of about $0.90 for every $10 that we bet.

Although each bet is the same amount (i.e., $6), which do you think is the good bet and which do you think is the stupid bet in terms of the player? Yes, very good! See how easy this is? (Don't fear the math.) The $6 Place 6 is a much smarter bet, in terms of the player, than the Big 6. I don't know about you, but I'd rather lose an average of only $0.15 for every $10 bet than an average of $0.90 per $10 bet. Wouldn't you? This simple example clearly demonstrates two fundamentals the player must fully understand: 1) Over time, the player cannot conquer the house advantage and beat the casino, and 2) Certain bets are better than others in terms of the player because of their lower house advantage.

If the casino has a built-in house advantage that no one can beat over time, why do knowledgeable players bother playing? If we're all doomed to lose, why play? Two reasons: 1) The incredible fun and excitement we experience at a craps table, and 2) The phenomenon called "distribution variance." We rarely experience a perfect distribution in the relatively short time that we play because variance sneaks into the equation. Understanding variance and how to use it to your advantage is a prerequisite to learning the secret to craps. As my dad used to say, "Knowledge is money. And more knowledge is more money."

Now you know!

Bill Enslen is a reliability engineer who routinely works with statistics. Having played and analyzed the game for 25 years, he has compiled his winning secrets in a new eBook, which you can sample at http://www.learnthesecrettocraps.com/.Chaise Longes
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Unsecured Loans - Get Financed Without Any Risk

2007-11-18T14:59:00.000-08:00

One can easily avail a loan if he is ready to place collateral against the loan amount. But people who dont have any property find it a bit difficult to apply for any kind of loan. Unsecured loan are specially designed to help such people. With unsecured loan lack of collateral is not a hurdle anymore because it can be availed without placing any collateral against the loan amount.

UNSECURED LOANS: AMOUNT AND INTEREST

Unsecured loans dont require any collateral to be placed against the loan amount. Due to this lenders have to bear extra risk. Lenders minimize the risk factor by charging slightly higher interest rate from the borrowers. The loan amount that can be availed with unsecured loans ranges from 1000-25000. The amount depends upon various factors like credit status, monthly income, bank details and repayment ability of the borrower. Unsecured loans are basically short term loans and can be availed for a period that ranges from 6 months to 10 years. Although the interest rate is a bit higher, you can easily avail it at competitive interest rate due to the tight competition prevailing in the financial market.

UNSECURED LOANS: ADVANTAGES

Unsecured loans are very helpful for people who dont own any personal property like tenant and paying guests. Homeowners who dont want to risk their property can also avail the benefits of unsecured loan. Bad credit borrowers can also avail the benefits of unsecured loans. If you are facing arrears, defaults, CCJ, IVA, late payments etc you can still avail unsecured loans but for this you will have to convince the lender regarding your repayment ability. Unsecured loans are approved within very short time because it requires less paperwork. You can use it to meet your urgent cash requirements.

UNSECURED LOANS: APPLICATION

Applying for unsecured loans is very easy. There are many banks, financial institutions and lending firms that offer unsecured loans. All you need to do is make a deep search. With good research you can find a lender offering unsecured loans at competitive interest rate. To apply you can either visit physical lender or you can also apply through online method. Online method is better compared to traditional one because it consumes less time and is hassle free. Also the loan approval process becomes a lot faster when applied through online method.

With unsecured loans, people who dont have any personal property can avail good amount of money in short period of time.

Steve Clark can tell you how to look better, live better and breathe better by giving you tips to improve your finances.He writes on loans. His ideas can help you rejuvenate your money.To know more visit http://www.ezpersonalloansuk.co.uk

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Weber Grills Reviewed: Quality that Lasts

2007-11-16T16:42:00.000-08:00

Barbecuing has long been a favorite pastime for many and the grills people are buying have only become bigger and better as the years go by. But, with so many grills to choose from, how do consumers know which company produces the best? Well, the Weber Grill company has proven itself to be one of the greatest choices when purchasing gas, smoke and charcoal grills. Not only are their products top of the line, but theyre made with quality materials and are complete with the latest and greatest inventions in grilling. So, when you buy a Weber grill, you know without a doubt that it will stand the test of time and that it will cook up fantastic food that will leave your neighbors in awe. What could be better than that?

When choosing which type of Weber grill is right for you, first decide if a gas, charcoal or smoke grill will fit best into your lifestyle. Charcoal grills are known for their convenience and for that great flavor they add to your food. Gas grills are great for backyards and for the family that loves to barbecue. Smoke grills are renowned for the unmistakable taste they infuse meat, vegetables and potatoes with. Whatever you want and expect from a grill, Weber has it. But, if you want to know some of the absolute best grills Weber makes, look no further than this article.

The Award for Top Gas Grill Goes To:

Weber Genesis Silver B Premium (LP) Grill

This is the best grill for backyard barbecues, parties or just for an everyday dinner! No matter if youre cooking corn on the cob, steak or hamburgers, your food will turn out perfectly every single time. This Weber grill is the top choice for those looking to invest in a grill that will last for life! Take a look at all it has to offer:

3 individually adjustable stainless steel burners

3 tool holders

Drip pan

Warming rack (At long last you can keep your food warm while its waiting to be served)

Fuel gage

Wheels that are all-terrain and all-weather. You can wheel this grill anywhere and not have to worry about rocks, pebbles or grass making it hard for you.

Storage! What grilling connoisseur hasnt wanted more space and storage around their grill at one time or another? The Weber Genesis has three areas for you to place your seasonings, meat or tools as well as plentiful storage below.

Easy cleaning

All in all, the Weber Genesis is the best gas grill on the market right now. It goes for around $420 but its worth every penny.

The Award for Best Charcoal Grill Goes To:

Weber Performer

Charcoal grills are a favorite of many, and the best one in the Weber line is the Weber Performer. Charcoal Weber grills cook up hotter, allow you to burn wood and light up with fire. Granted, they do require a little bit more attention and time than others and are a little messier, but the flavor cannot be beat. So, if a charcoal grill is for you, check out the advantages of purchasing the Performer.

Push button igniter

22.5 inch diameter cooking area

Dual-Purpose thermometer for perfectly cooked food every time

Bottom storage

All-weather wheels that are crack proof Weber Cookbook included One-Touch Cleaning System Heavy Duty Steel Cart This Weber Grill is ideal for those who love to barbecue and enjoy the aroma and taste of charcoal. The range for this grill is between $349-400

The Award for Best Smoke Grill Goes To: Weber Smokey Mountain Cooker Smoker 2820 The top smoker by Weber is the Smokey Mountain Cooker 2820. This Weber grill will last for years and will provide all of that amazing flavor you have come to expect from a smoke grill. Beginners and barbecuing professionals both will be able to fully enjoy the benefits of this grill because it works equally well for apartment renters and home owners. Easy to assemble Easy to clean Compact and easy to maneuver Fits large amount of food despite its size Weber grill cookbook Individually controlled vents Rust-resistant fuel door Heavy duty Vinyl cover This may be the cheapest of the Weber grills reviewed so far, but that doesnt mean the quality suffered for the sake of a lower price. On the contrary, the review for this grill is very positive and the price gives it even higher marks. Youll pay only $190-200 for this top-notch grill.

After youve decided which Weber grill will work best for you, it will be time to decide on all the extras you will be presented with. You will be offered all the add-ons, like brushes, basters and even talking thermometers. But, the top choice for an extra has to be the electric rotisserie. Not only is this a fun addition to any grill, its also a must-have for the seasoned professional. It will add something new to the everyday barbecue grill and will enable you to roast hamburgers and hot dogs. So, take a look at the rotisseries highlights and see how great it is for yourself!

Weber Basket Rotisserie, Electric 9891

High quality electric motor

Basket is made out of plated carbon steel

Easy to use

Fits most Weber grills

The Weber Basket Rotisserie, Electric 9891 will make your grill stand out and make your food more impressive than it already is. Its not the easiest to clean, but in the end, any effort on your part will have been worth it. Plan on spending $110-100 for this item.

Lastly, now that you have read a review on the best grills available, you can make an educated decision of your own. If youve used a charcoal, gas and smoke grill before, you probably have a pretty good idea which one you like the best. Some barbecue lovers will purchase a few different grills to match their moods, while others have only one that they are faithful to. So, no matter what grill suits you, make sure its a Weber grill if you are looking for quality that will last for years to come.

PERMISSIONS TO REPUBLISH: This article may be republished in its entirety free of charge, electronically or in print, provided it appears with the included copyright and authors resource box with live website links.

Jeremy Hier is the Business Manager and Webmaster of http://www.gas-grills-4u.com

Shannon Willoby is a 25 year old freelance writer living in Phoenix, Arizona. She likes to offer her advice and tips to consumers looking to purchase http://www.gas-grills-4u.com/natural-gas-grills.htm and http://www.gas-grills-4u.com/electric-grill.htm

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Anguilla Cuisine

2007-11-14T17:12:00.000-08:00

Anguilla is a British overseas territory in the Caribbean, the most northerly of the Leeward Islands in the Lesser Antilles. It consists of five islands, with the capital, The Valley situated on the main island of Anguilla. Anguilla is a quiet place full of white sand beaches, great dining and friendly people. There are a wide range of dining options and culinary styles from which to choose, including: French, West Indian, American, and Creole - all with a Caribbean flair.

Grilled Chicken Parts with Barbecue Sauce

Ingredients

1 tablespoon olive oil
1 clove garlic, chopped
1 medium onion, chopped
1 green or red bell pepper, chopped
3 medium tomatoes, peeled and chopped
1 cup water
2 tablespoons mango chutney
cup pine nuts, dry roasted and ground
1 teaspoon thyme
cup Scotch bonnet or hot sauce
1 medium chicken cut into 8 pieces (2 breast,2 thighs,2 legs,2 wings)

Method

In a large skillet over medium heat, saut the garlic in the olive oil for about 2 minutes. Add the onion and saut an additional 5 minutes. Add the pepper and saut another 5 minutes. Add the tomatoes and saut, covered for 20 minutes.

Uncover, add the remaining sauce ingredients and simmer for 5 minutes. Transfer to a blender and puree.

Smoke grills the chicken until half done, brush the parts with the sauce, and continue smoke-grilling until done.

Lobster Cakes with Tartar Sauce

Ingredients

For Lobster Cakes:

3 tablespoons unsalted butter
cup all-purpose flour
2 cups milk
1 pound cooked lobster meat, coarsely chopped and patted dry
1 cups red bell pepper, diced small and patted dry
cup scallions (white and green parts) thinly sliced
teaspoon cayenne pepper
teaspoon salt
freshly ground black pepper
1 cups fresh bread crumbs
Equal amounts of butter and olive oil, for sauting

For Tomato Tartar Sauce:

1 cup Hellmans mayonnaise
1 tablespoon freshly squeezed lemon juice
1 tablespoon tomato paste
2 tablespoon minced onion
1 tablespoon small capers, rinsed and drained
minced dill pickles, patted dry
Salt and freshly ground black pepper

Method

Lobster Cakes: In a large, deep-sided saucepan, heat the butter over a low heat until it stops foaming.

Add the flour gradually and cook for 2 minutes, whisking continually. Add milk cups at a time, whisking constantly to get rid of the lumps.

Simmer for 5 minutes, continuing to whisk until thick and smooth. Remove from heat and set aside.

In a large bowl, combine the lobster, peppers, scallions, cayenne, salt, and pepper. Add 1 cup of the bread crumbs and the milk mixture, and mix well.

Cool to room temperature. Shape into 1 inch thick and flatten slightly. The lobster cakes should be about inch thick. Coat the cakes with more bread crumbs.

Heat a layer of butter and oil in a saut pan over a medium heat until hot, not smoking.

Cook the lobster cakes until golden brown on both sides. Drain on paper towels and serve hot with tartar sauce.

Tomato Tartar Sauce: Whisk together in a small bowl, the mayonnaise, lemon juice, and tomato paste. Add the onions, pickles, capers, and salt and pepper, and whisk until blended.

Edmund Jarvis writes on Cooking, Internet and Affiliate Marketing. Learn more by visiting my blog http://caribbeanislandcuisine.blogspot.com/

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7 Tips to Real Estate Agents' Success

2007-11-12T22:29:00.000-08:00

With over 2 million real estate agents according to the National Association of Realtors (NAR), becoming a successful real estate agent takes more than just a license and a knowledge of current laws and regulations.The first year drop out range estimated to be from 40% to 80% demonstrates that many real estate agents are not as successful as they could be and research suggests that 90% give up after 3 years. The following 7 tips may help you avoid becoming one of these statistics.

First and Foremost YOU are a business. Real estate agents work for a broker, but are independent, commissioned sales people. This means that you are a small business and must run your practice as a business. Again, remember you are a small business owner.

Embrace a Planning Attitude If you dont have a plan, then you are on some elses plan usually the successful real estate agent's. During the last 10 years, what I have learned as a performance improvement consultant or coach is that most people place more value in planning a trip to the grocery store or a vacation than planning their lives either professionally or personally.

Research Your Market Plan Since you, as the real estate agent, are responsible for your own expenses, do your research specific to your marketing plan within your strategic plan. Time spent in constructing your marketing plan is definitely well spent. NOTE: Remember a business plan usually is data driven, while a strategic plan identifies who does what by when.

Establish Sales Goals Using your strategic plan, establish sales goals. If you are new to this industry, it may take 6 months before the first sale. HINT: Use the W.H.Y. S.M.A.R.T. criteria for goal setting.

Create a Financial Budget Budgeting is critical given the up and down of this volatile market place. Your financial budget should plan for your marketing costs, any additional costs such as education and your forecasted income.

Make Managing Yourself a Priority Building a business is not easy. You must learn how to manage yourself especially in the area of time management, ongoing real estate training (continuing education units) and personal life balance. Real estate is said to be a 24/7 business much like any small business. However, it is important not to lose sight of your personal life including family, friends, physical health, etc.

Find a Mentor or a Real Estate Coach Going it alone is not easy. Take the time to find a mentor who can help you steer through some of the known obstacles and help you during the peaks and valleys. If you have the resources, you may wish to hire a real estate coach or an executive coach who specializes in small business help and sales.

Being an incredible sales person and entering the real estate market does not guarantee similar sales success. However, these 7 tips may help you avoid many of the pitfalls by not being one of the four real estate agents who quit within one year or one of the nine who give up after 3 years.

Do you want to learn more about how to get to where you want to be? I have just completed a FREE 7 lesson on-line email course. Sign up here and now Building Your M.A.P. (My Action Plan) to Success.

Leanne Hoagland-Smith, M.S. is a speaker and Indianapolis business coach & Chicago business coach who has written hundreds of articles with a focus on improving individual and organizational performance through excellence in leadership to executable strategic plans.

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How To Earn A Fortune And Generate Cash Today!

2007-11-09T08:27:00.001-08:00

The key to amassing great wealth and building sustainable profits is to identify the big picture trends, position yourself to capitalize, and then ride the wave all the way to the top. Right now agriculture is making a major move. Learn to use this information to make millions.

My billionaire mentor has been telling me to get into agriculture for some time. The recent fascination with using corn to produce ethanol has increased the plantings of corn. This has been at the expense of other grains such as soybeans and wheat.

The U.S. is looking for a solution to the increasing price of gasoline. Using ethanol as a replacement for gasoline is one possibility. There is no such thing as a free ride though.

As with most decisions there are pros and cons that come along with such a choice. The more acreage devoted to corn means less acreage devoted to other grains. This will and has increased the price of other grains.

An amateur investor would miss this important aspect and dive head first into investing in corn. The professional investor would weigh the impact of this event and project ahead its consequences. The market-savvy investor would realize that farmers would reallocate their land.

In other words, farmers are not going to buy new land to plant more corn. Farmers instead will use the land they already own and plant more corn and reduce the plantings of their other crops. This will reduce the supply of the other crops which would mean higher prices for those crops in the long run because of less supply.

This important fact offers phenomenal profit opportunities for the average person provided they learn how to take specific steps to realize this money. Learn to properly position yourself to ride this profit train and you can earn hefty profits. There is no limit to the amount of money this opportunity will produce.

This type of investing may seem complicated at first. It is like learning to ride a bike. In the beginning it seems harder than it looks but after some practice you can hop on without much thought. The same is true for investing in commodities.

Investing in commodities looks complicated to the beginner but after some time spent involved in the markets, you can take cash out of this profit machine as often as you wish.

The biggest problems successful investors are having right now are when to take profits and how much to take. How would you like to have these problems?

By now you are ready to earn substantial profits from this information and more. There is money waiting to be made by you. As you think about this wealth opportunity, you now get anxious about getting everything you want.

David D. Wells is a superstar trader and bestselling author. Let him show you how fortunes are made in the 21st century. Subscribe to his free newsletter at http://www.themoneymotivator.com
Learn how to generate five figures in four months by clicking here: Wealth Code Breaker

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When Bills Pile Up, Refinance For Fast Cash

2007-11-05T17:30:00.000-08:00

Think of your home as a bank account. Every payment you make adds to the equity you amass in your home, and as property values rise around the nation, that additional value raises your equity. Like a bank account, you can make a withdrawal from this equity when you need it by refinancing your mortgage.

There are many reasons to refinance. Interest rates have fallen significantly over the last few years, and its likely that interest rates are lower now than they were when you signed your original mortgage. Saving money by refinancing with a lower interest rate can save you perhaps hundreds of dollars every month in mortgage payments. This means you will be able to keep more of each paycheck where it belongs; in your pocket! You can also choose to continue making the same mortgage payment and thereby pay off your home faster.

Cashing out some or all of your equity can allow you to pay off high-interest rate bills like credit cards, pay for home improvements or repairs, take a well-deserved vacation, or help pay for unexpected medical or college bills. The options are endless, and the best part is, your refinanced mortgage loan often has lower monthly payments than your original mortgage. If you have more than one mortgage loan, refinancing your home can also allow you to combine all of your mortgages into one loan. These are only a few of the many reasons you can refinance your home mortgage. Shop around for the perfect deal and enjoy the great savings each month!

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Inspect Your Tenants' Apartment Before You Re-Finance

2007-11-04T21:57:00.000-08:00

Low interest rates continue to encourage homeowners to re-finance their property. Owners use the extra cash to pay off credit card debt, complete outside repairs, replace porches, upgrade electrical wiring, install a new roof, de-lead the house, renovate kitchens and bathroom in their apartment, and similar large maintenance work.

When or if you have a large sum of money to invest in your real estate, you need to think about upgrading your tenants apartment, as well as your vacancies. The condition of your tenants unit is part of the market value of your house or building. If its in bad shape, it could lower the potential sale price. If it is good condition, it adds to the stability of your financial investment.

You also do not want to be in the position of having to do a complete renovation of the tenants apartment after a move-out. When you have the money, consider upgrading key areas of the apartment building.

When was the last time you saw the inside of your tenants apartment? Do you know what condition it is in? How long has the tenant lived there? The answers could impact how much money you will need to request to the bank.

Homeowners have an obligation to review and maintain the upkeep of their occupied and vacant units. Doing an annual apartment inspection helps you stay abreast of the condition of your investment. Once you give advance written notice to your tenant, go in with a pen and notebook, and write down what repairs need to be made. Also write down large replacement work needed. For example:

Are there illegal bars on your tenants windows that need to be removed or replaced?

Do you have an elderly or disabled tenant who could benefit from hold bars in the bathroom by the toilet and tub?

Are the ceilings and walls cracked from building settling? Does the apartment need any patch and paintwork?

Are there a lot of extension cords, indicating a need for additional electrical plugs? Is there a GFI electrical (safety) switch in the bathroom and kitchen, which may be a part of your states housing or building code?

Did the tenant have a roof leak and the water damage from it never got repaired?

If a needed repair has been caused by damage to the apartment, rather than wear and tear, you can charge the tenant for the repair cost. The point of the apartment inspection is to review the overall condition of the apartment at least once a year. You want to know if your tenant unit is in as good a shape as the exterior of your property. The inspection can and should be used to determine your needs as part of your re-financing request.

Once you evaluate your needs, talk to contractors for proposals, and calculate the overall costs. That will tell you how much money you require to re-finance, in addition to any other fiscal needs you are looking to resolve. As stated before, if you complete substantial renovations at your property, you can recoup the expenses through your decrease in mortgage interest costs, or a rent increase on the units impacted by the renovations.

In Summary, do not forget that the condition, as a whole, of your tenants apartment is what makes your property valuable to you as the owner, real estate investor, and to potential buyers. A good research of what it would cost to upgrade or repair your residential units, as part of your total re-financing needs, is never a waste of time. It could also save you money in the long-term stability of your investment.

Carolyn Gibson of Boston, Massachusetts, is a property management consultant, speaker, and an Accredited Residential Manager (ARM) experienced in marketing, leasing, and eviction prevention techniques. She has a considerable senior executive residential management history. Carolyn has been featured in the Boston Herald, Boston Globe, and the national magazine Journal of Property Management (JPM) as well as several radio talk shows.

She is the author of the book, "How to Pick the Best Tenant".

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How to Cook Summer Squash

2007-11-03T16:00:00.000-07:00

The delights of summer must surely include the wondrous varieties of summer squash, including the ubiquitous zucchini, which seem to flourish even when grown by those of us who always manage to kill everything else in our gardens.

The term "summer squash" refers to several different squashes that are grown between frosts and deliberately harvested before their rinds harden. They grow on bush-like plants rather than on the spreading vines more typical of winter squash or pumpkins.

Summer squash comes in many different colors and shapes, often varying so greatly from one another that you might not know they were related unless you had been told.

I mentioned zucchini, perhaps the most familiar of the summer squashes. Its green color and club-like shape are typical of a class of summer squash that also includes caserta and cocozelle. While green is the predominant color among such this category of squashes, you will sometimes see yellow or white ones as well.

A second class of summer squash contains varieties bearing fruit in which the "neck" of one end is narrower than the other. Additional terms to further classify them include "crookneck" and "straightneck," which are self-explanatory. The color of these squashes is typically yellow.

Finally, there's patty pan squash. Also sometimes called scalloped squash, the fruit is round and flattened; some have described it as flying saucer-shaped. The color is typically white but green or yellow is sometimes seen.

Despite their differing appearances, all varieties of summer squash can be used interchangeably in the kitchen. So, anytime you come across a recipe for one type, and you have a different type on hand--no problem. Go ahead and cook!

Here's a recipe for one of the most popular summer squash dishes, zucchini croquettes.

Ingredients
2 large zucchinis
2 teaspoons salt
1 teaspoon black pepper
2 cloves garlic
2 eggs
1 teaspoon oregano
1 tablespoon fresh chopped parsley
1 onion
Cooking oil

Directions

1. Grate the zucchini into a bowl. Add salt, mix, and let stand for 45 minutes. Drain off the excess liquid that will have been sweated out of the zucchini.

2. Crush the garlic gloves. Lightly beat the eggs. Dice the onion. Add these, with the other remaining ingredients (except for the cooking oil) to the bowl. Mix well.

3. Heat a non-stick skillet and drop the zucchini batter into it by spoonfuls. Cook until croquettes are well-browned on bottom, then flip and brown the other side. You may need to cook just a few croquettes at a time until you have used up all of your batter.

4. Let croquettes cool a bit, then serve and enjoy.

Here is a super-simple recipe for roasting any kind of summer squash in the oven:

Ingredients
1 1/2 lbs. of squash
3 teaspoons olive oil
2 teaspoon salt

Directions

1. Trim off the skin of the squashes. Cut each squash into bite-size pieces.

2. Mix olive oil and salt in a large bowl and coat the squash pieces in the mixture.

3. Place squash pieces on a baking sheet. Roast on the top rack of an oven preheated to 420 degrees until tender (test with a fork or knife). Roasting time should be between 12 and 16 minutes.

Sarah Sandori is the food and entertaining columnist for the Solid Gold Info Writers Consortium. Have you ever wanted to be able to exactly duplicate a favorite dish from a favorite restaurant? Check out Sarah's article where she reveals her source for the most mouth-watering secret restaurant recipes in America: http://www.solid-gold.info/most-wanted-recipes.html

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Company Picnic Ideas and Planning Tips

2007-11-01T18:34:00.001-07:00

The company picnic is a beloved tradition at many firms.

It's an opportunity for employees to mingle and "let down their hair."

A well organized company picnic with planned activities can help integrate employees with each other. This is particularly important if the company has undergone recent reorganization. As such it functions as a "team bonding" mechanism.

A company picnic can be held for an entire firm of thousands or for a single department of 30.

In my role of party entertainer (and prior to that corporate employee), I have attended countless such events. Here are some observations, tips, and ideas I picked up along the way.

General Considerations
Like any other type of event, you need to decide what you want your picnic to be like and how much you want to spend.

As with any event, it is important to keep the needs and tastes of your attendees paramount.

Allow yourself sufficient time to book your venue if the picnic is offsite. Demand for some venues is at a premium during peak periods. It is not uncommon to make reservations several months or more in advance of a given date.

You'll need to plan food and beverages, and activities and entertainment and, in some cases, transportation to the picnic site.

Allow enough time so you can give your employees sufficient advance notice to include the picnic into their plans. This is especially important if you'll be inviting family members or if it is held on a weekend.

Company picnics and company picnic ideas can range from the very simple to a pull-out-all-stops extravaganza. My observation is that people have a good time at both.

Do you want to have a theme? A theme is fun! Plus it makes it easier to organize food and activities.

WHEN do you want to hold you company's picnic?
Here, in the Philadelphia area, companies hold their picnics beginning in June through early October.

Considerations such as your company's workflow, availability of a desired venue, etc., will help you determine the date. Employees are less apt to be away on vacation in June or September, but they will really enjoy the chance to kick back in July or August.

There are pros and cons to weekday picnics versus weekend picnics.

Company picnics held during a workday will ensure a greater attendance for employees when they would normally be in the office. And, they don't cut into precious personal time.

But spouses and children are generally more available for a weekend date.

WHOM do you want to invite?
Staff only? Members of the employee's immediate family? What about significant others, friends? Decide where to draw the line.

Family picnics are a great way for employees to meet co-workers families. It humanizes co-workers by allowing them to relax their at-work personas.

On the other hand, single or divorced employees can feel like the odd wheel at a very family oriented event. That can be overcome by planning activities suitable for people of all ages.

Activities that require participants to form groups can help integrate the attendees. And it keeps your guests occupied.

WHERE do you want to have your company picnic?
While many picnics take place under a tent in the company's parking lot, offsite venues can make people feel more relaxed. If you're on a strict budget, one option is a nearby state park. Many have large pavilions ideally suited for such events.

I've also been to company picnics given at the home of the firm's CEO or owner. This kind of setting adds a homey touch to the festivities. In some instances, facilities were set up so that the guests attend to their needs without entering the host's private home.

An excellent option to consider is a venue that is set up especially for hosting the company picnic. Generally these picnic parks come complete with in-house catering and lots of games and activities for kids both big and small. Some day camps rent out their facilities on weekends when they are otherwise not in use.

Amusement parks and river cruises are other options.

Tip: Have a Plan B in the case of rain.

Some Plan B options include: A tent with walls or access to an on-site building
Event insurance
A rain date

Keep in mind that if you opt for a rain date, your vendors and entertainers may require additional payment to reserve the second date. That is because they have to turn down other clients during the busy summer season to keep that time open for you.

Food and Beverages
If you choose to have the food catered, you don't have to worry about preparation or cleanup. Many venues such as picnic parks have in-house catering. And many caterers specialize in handling company picnics.

The best part of picnic fare is that it is simple and satisfying. Hot dogs and hamburgers are extremely popular at picnics. But they are not compulsory and caterers will cater to your every whim.

Keep the menu flexible enough to accommodate those with special needs and preferences. These days youll find many meat eaters and vegans, not to mention devotees of Atkins, South Beach, and other diets. Muslims and Jews may not wish to eat pork.

So having at least one non-pork and non-meat option is an excellent idea. If your picnic has a theme, your menu can reflect that.

Decide whether you want to permit alcoholic beverages. If so, make sure there is a way to ensure that anyone who drinks a bit too much makes it home safely.

Have age appropriate activities and games
Some venues such as picnic parks make it a point to supply many activities. Nonetheless, you may want to supplement them. Entertainers such as DJs, caricature artists, Tarot card readers, magicians, face painters, clowns are some popular additions.

Door prizes are a cherished company picnic idea at many firms. Door prizes work both as employee appreciation and an incentive for the employees to linger.

Examples of some prizes I've seen include certificate good for a dinner for two at a local restaurant, gift certificate at a local department store, a day off with pay, even a free vacation complete with round trip airline tickets.

These are some company picnic ideas and planning tips to get you started.

But the most important tip is the one I save for last. After you've worked so hard to organize and plan your event, be sure to go and enjoy the festivities yourself!

About the Author

Ellen M. Zucker has used her skills as a caricature artist and astrologer to entertain at company picnics for over 10 years. Her company, Faces & Fortunes, http://www.facesandfortunes.com, provides caricature artists and psychic readers to entertain at parties and special events throughout Greater Philadelphia and surrounding areas.

For more tips, interviews, and advice on putting events together from the professionals who make parties and special events happen, visit Faces & Fortunes sister site: http://www.faces-and-fortunes-partytips.com

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Venture Capital Business Loans Commercial Loans Merchant, Investment And Commercial Banks

2007-11-01T14:11:00.000-07:00

Venture capital is provided by Merchant banks, Investment banks, Private banks, Fund managers and Trust managers. Venture capital is money provided by professionals who invest alongside management in young, rapidly growing companies that have the potential to develop into significant economic contributors. Venture capital is an important source of equity for start-up companies.

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Remember banks and investment companies want to lend money, so do not be afraid to approach them!

Investment banks help companies and governments and their agencies to raise money by issuing and selling securities in the primary market.They assist public and private corporations in raising funds in the capital markets (both equity and debt), as well as in providing strategic advisory services for mergers, acquisitions and other types of financial transactions.

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Commercial banking can also refer to a bank or a division of a bank that mostly deals with deposits and loans from corporations or large businesses, as opposed to normal individual members of the public.

See, http://www.swissbankservices.com

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