Homeowner’s Heartache

Buying your own home & becomes homeowners of that is looks like very relaxable is probably one of the most important purchase you will have to make. It can also be a very expensive nightmare if you don't go about it the right way! Doing your research and knowing exactly how much you can afford to borrow is essential and finding mortgage brokers that are reputable is also essential. It seems that some mortgage brokers don't consider the importance of still being able to eat as well as making your mortgage payments! Many are out there just to line their pockets without considering the fact that a lot of people may not be able to afford a mortgage.

Instead of prowling on couples who aren't looking for mortgages or who have a set amount that they cannot go over, mortgage brokers should use a little mortgage intelligence and use the resources of a reputable marketing company like Red Clay Media. Not only can they supply clients with a direct marketing mailing list focused on what they are looking for, but they can provide mortgage leads of people who have expressed interest in wanting mortgage information.

If this kind of information is readily available to mortgage brokers, would it not make sense for them to utilize this service instead of taking advantage of unsuspecting victims.

What is the right time to invest in real estate?

Unless you were hiding inside caves or living in the so-called dream-world, you must have heard about the slowdown in real estate markets worldwide. And just as with any other hyped-up bull market, a lot of people who had bet that prices would rise forever are getting surprises. Nevertheless, buying real estate is an investment and buying during the dips - while prices are falling - can lead to gains over time. Find some hot listings.

But remember, investing in real estate is quite unlike buying stocks. The racks at book shops, TV Shows, Corporate Handouts, and Internet Web Portals or Blogs may be overflowing with books and ideas insisting that many are making their fortunes in real estate, but the truth is, compared with stocks, real estate is a complex, multi-dimensional investment. So, if you have to buy a new home to live-in and can afford it, just buy - whether the market is up or down. Property ownership is the best overall investment, and when you look at the complete picture, it is true - there are many tax and financial advantages to owning a home, and most properties do tend to appreciate over the longer term.

But the idea of real estate investment returns should consider major property buying drivers like cost, location, condition, rental value and choice. The bottom-line is, investment property is a piece of real estate that generates income - more income than it costs to own and maintain. Whether it is a beach condo or office space, the biggest consideration is income from it must exceed the cost. The cost includes everything: loan payments, taxes, upkeep, utilities, etc.

The buying decision is not fully dependent on whether the real estate market is up or down. If you want to make a stock market type investment in real estate, consider investing in real estate mutual funds or trusts. There are many realty funds now available to Indian Investors, and as they always advise, do read the offer documents before investing!

Friendsation.com

I have many blogger friends who are still single even though they may be in their thirties. Why is this so? Could it be due to their long hours sitting in front of their computer all day long and not going out to make new friends? But i heard that many people who dont have the time to go out to meet new friends do have more online friends. There are now many online Chat and free dating sites i’m sure that’s where all my bloggers friends go to make new friends.

Websites like Friendstation even provides free live chat for their members and they even have live Phone Chat for members to talk with people live all over the United States for free. Too bad i dont live in the United States, i cant use this exclusive service….. but i can always chat at their online chat rooms.

Real Estate Boom in Asian Countries hit by US Slowdown

Like bullish Asian economies, the realty markets in Asia are among the strongest in the world. Asia Pacific is the strongest growth region worldwide. Even with the US reversing its interest rate policy the price of property has remained inflated. The US real estate market has cooled off recently with definite signs of stress such as high inventories of new property, sub-prime issues and falling prices. With the housing market issues unfolding, soaring oil prices, inflation, serious credit crunch, tumbling stock markets, weakening dollar, Middle-East crisis getting out of control, etc. - many fear that the US is approaching a recession!

The Bear market in US is also affecting many emerging property markets in Asia to some extent, if not spreading like wildfire. For example, it has already affected Hong Kong, where the property market is intertwined with US because of it's currency's peg to the U.S. dollar. Hong Kong has seen many transformations over the years, with growth at above 20% in 2005 replaced by negative growth now. The prime lending rate used for most mortgages in Hong Kong is rising.

As per reports, property in many markets is 50% overvalued on many valuation yardsticks. What remains to be seen is whether real estate prices will now stagnate for a period to achieve an adjustment to rising incomes, or whether a more dramatic price correction or slump will ensue.

Market watchers suggest that most Asian countries may be spared any significant reaction to the U.S. downturn thanks to the region's strong economies. Countries like China are still posting growth, and the average Asian growth rate of 8% this year is well above the worldwide average of 5%. Nevertheless, if the global flow of capital into real estate continues to falter then this is bound to impact on many Asian property markets, but for the moment these buyers are still very much in evidence and one of the major factors supporting the current boom.

Asian economies are forecast to slow down next year, with a similar drop in the global growth to slightly more than 4%. Even China's robust 10.4% growth this year is expected to be a peak, with growth slowing to slightly less than 9% next year. Most of it will be due to the slowdown in the U.S. economy and the resulting drop in Chinese exports.

Property investors are watching China's real estate market to see how it responds to cooling measures introduced during past years. In a bid to make property more affordable for middle-class Chinese buyers, the government has attempted to shift developers' focus away from luxury properties. More than 80% Chinese are not part of its economic growth and prosperity! The figures are also NOT encouraging in India, only the existing rich middle-class and upper-class are reaping benefits, pushing millions of common Indians into desperation.

Big investors have not been fazed. Chinese government has attempted similar crackdowns in the past and, if history is any indication, the market is unlikely to change. The prospects are best in Beijing, and not just because of the effect of the 2008 Olympic Games. Shanghai, in contrast, suffered last year and this year the city's property prices dropped by 1.1%, while the country showed an average gain of 5.5%. Shanghai has China's largest share of overseas property owners, the most speculators and a oversupply of housing.

Still, high-end property is expected to offer the best chance for gains both in mainland China and in Hong Kong, where luxury properties bucked a downward trend this year. As per a Knight Frank survey of 32 housing markets around the world, Hong Kong housing prices dropped 2.6% in 2006. But government statistics suggest that prices for luxury residences on Hong Kong island were stable toward the end of the year, at around 10,000 Hong Kong dollars per square foot. That is a 7% increase over the same period a year ago.

As per Colliers International, prices for luxury properties will gain another 7% in Hong Kong over the next 12 months, driven partly by demand from big financial institutions, which are hiring more highly paid workers and expanding their housing allowances. Japan has also seen a divergence between luxury property and the rest of the market. Last year, housing prices rose in Japan's major cities of Tokyo, Osaka and Nagoya for the first time in 16 years.

But the trend did not carry over nationally, with Japanese residential prices down 2.3% on average. That is because the country's economic recovery is only really having an impact in the major cities, a situation that is not likely to change, as per property analysts.

With the present situation, it is going to impact on land prices, urban locations may benefit and not rural areas in the short to medium term. In some prime residential locations in Tokyo, prices are already up some 20%.

Real Estate Developers in rest of Asia are keen to expand the market for villas and holiday properties into new locations. For example, several developers are starting to promote projects in Vietnam, despite that country's fuzzy property laws and a market that ranked dead last for real estate transparency as per market reports.

One cannot own land in Vietnam and foreigners are limited to 50 year leases. With Vietnam's first property legislation, it is getting easier to own property for development and codifying other areas of the law. The changing shape of the regulatory picture has not stopped country's first few villa projects. Vietnam is likely to continue to attract aggressive investors as its fledgling property market expands, particularly in light of the

Bad Credit Offers

Do you have bad credit? If you do, then you are probably not able to apply for car loans, home loans, personal loans, and the like. If you are able to obtain these loans, then the interest rate is more than likely through the roof, making your monthly payment larger than it could be/should be with better credit. If you are tired of consenting to the large interest rate discretion of creditors, then look no further! Bad credit offers dot com is a site that is just for people with blemished credit! Instead of browsing only one offer with a high interest rate, you get to browse multiple loan offers with a variety of interest rates! All you have to do is choose the right one for you! No more guessing what your interest rate might be! No more fretting about whether or not you’ll get approved for a loan, now you’ll know with bad credit offers dot com!

I would also like to mention that this site offers a comparison between good credit rates and bad credit rates and also offer a good listing of various credit managing services!If you’re looking for a loan or some financial help, bad credit offers dot com is the place for you!

How To Be A Commercial Property Tycoon

You may have experienced success with the buy-to-let market. Now you may be looking for new ways to earn a long-term income and enjoy greater security.

What should you do?

Well, there are many different options, but I'm going to discuss one of the most successful methods.

Investing in commercial property!

Would you like to know why?

Well, there are many different reasons which I'm going to reveal to you.

First of all, commercial property can be found everywhere - your favorite restaurants, your local shopping malls, the office where you work and your local movie theater. This sector forms a very essential part of our country's economy and we all contribute to it in different ways.

Are you interested in another reason?

People are living longer which creates a higher demand for commercial property. For example, the current average life expectancy is 90 years compared to 80 years in the 1980s. The government will probably increase the retirement age from 65 to 70. Consequently, people will be forced to work when they're much older.

Many private investors are drawn to commercial real estate. Thousands of people move to this country seeking work opportunities and the buy-to-let residential market is experiencing lower investment yields. Higher rents charged to commercial tenants and generous tax breaks provide greater incentives to enter the world of commercial real estate.

But wait, there's more...

There is a much higher demand for commercial property from overseas investors. Oil-rich countries in the Middle East and Russia are one of the biggest investors.

In fact, do you know who owns half of all the prime commercial real estate in several areas of London?

I'll give you a clue - it's not UK investors...

It's the group of Middle Eastern and Russian investors!

India and China are also contributing more to the UK commercial market thanks to the lack of government corruption and political interference.

If you want to take advantage of the booming demand for UK and global commercial property, you should hire a reputable commercial property management company. They can help you find suitable properties online, from the Estate Gazette, by private treaty or at auction houses.

You must also calculate factors such as loan-to-value ratio, gearing, return on investment and yields. If you don't have enough money, you can invest in commercial property indirectly.

Narconon Stone Hawk Addiction Treatment

I must say, all of my closest friends are drug free. Or maybe some have kept it hidden ... sometimes you never know until it's too late.

Drug addiction, and even alcohol addiction / alcoholism, is not only a serious health condition, but also a society problem. If you are into drugs or alcohol you won't be able to function well as a responsible citizen.

Over at Stone Hawk they know how it feels to be addicted, because they once walked that path. This michigan drug rehab follows the drug treatment program, which uses no drugs or medication, They also uses Methadone drug rehab treatment but many of us from you thinks what is “Methadone”; Methadone is a medication that is considered to be a safe and well-tested treatment for narcotic withdrawal and dependence. For over thirty years, Methadone has been used to treat opioid addiction. Methadone permits addicts to change their behavior and to discontinue heroin use.. Instead, they use a combination of proper nutrition and nutritional supplements, exercise, a sauna detox program, and social awareness.

So if you know anybody who needs help (even if they think they don't need it!) don't hesitate. Show them that you care ... and help them choose the right path.

Moving Tips & Advice

Moving is quite possibly one of the most stressful times in anyone's life. In order for a move to be smooth and successful you'll need to be prepared. Make lists, check them twice, start getting your home in order and preparing the kids and pets for a big change.

In the month before you move, apart from all the packing and panicking, there are a few things that you need to remember to do: newspaper and magazine subscriptions need to be either cancelled or moved to the new address, you'll also need to notify your creditors of your new address (bank, credit card, medical aid etc.). Don't forget to send a letter or an email to all of your friends and family members notifying them of your new address (you never know they may just send you something nice for the new place).

Packing Up
One of the greatest things about moving is that you get to get rid of all of the junk unworn clothes and unused items that are inherent to every home. As you are packing be ruthless; anything that you don't need or want needs to be put aside and can be given to a charity. This way you'll at least start off with a clutter free home on the other side. It's important to remember to pack all boxes to capacity, the undefiled ones are more likely to be crushed in the move and the overfilled ones will inevitable break under the strain.

Packing up one room at a time is a great idea. This way you can ensure that you have everything in that room packed up together and labelled accordingly. Make sure you indicate which way is up with an arrow - you'll be thankful once the movers arrive. It's also a good idea to label the furniture according to which room it is going to be in, in the new home. Once you're in the new house it'll then be really easy to get the right boxes and items of furniture into the relevant rooms.

It's advisable to make sure that everything is cleaned before it goes into boxes or the moving truck - you don't want to have to clean everything once it arrives at the new place. On that note making sure that your new home is spotless the day before you move is highly recommended.

Buy unplugging your major appliances at least 24 hours before you move you will not only decrease the chances of them being damaged but it'll give you time to clean them as well. On that note it's always a good idea to let the appliances stand in your new home for 24 hours before you plug them in - this ensures that they adjust to the new room temperature which also prevents damage.

When it comes to packing the fragile stuff, like glassware, crockery and other breakables don't cram as much in as you can - you'll be sorry when the clink clink sounds start. Rather wrap each and every single item in either newspaper, bubble wrap, towels etc. It may take a lot more time but it is defiantly worth it.

When it comes to packing your valuables like your jewellery, passports and important documentation it's quite a good idea to put them in your personal suitcase rather than one of the boxes - it's always better to be safe than sorry.

Moving It All
When it comes to hiring a moving company the keyword should not be cheap but reputable - you really don't want to put all of your possessions into the hands of someone who isn't exceptional at what they do. Also check out each prospect's insurance policies, if something breaks you are definitely going to want to be able to claim for it. To save money you'll want to do as much of the packing and preparation yourself - the movers will pack up for you but they'll also charge you, so it's up to you. You can also transport quite a bit in your own vehicle. While I don't advise strapping Great Aunt Alice's chest of draws to the roof your car, transporting suitcases and some boxes is a good idea.

Get the movers to pack the furniture in according to the way you'll want to take it out. The furniture for furthest room from the entrance in your new home should be accessible long before the furniture you're wanting to put in your entrance way. Once the truck is loaded hop in your car and let the movers follow you to your new home and stay there with the while they are unloading. If you have moved your pets please make sure they are in a closed room and can not get out as all the commotion is likely to scare them which may cause them to run away. If you have very young children it's also a good idea if you can leave them with a family member or a friend until the chaos has calmed down as all the disorder can upset them - which in turn will inevitably upset you. It's nice to only have the kids arrive once their bedrooms are set up - that ay they immediately feel at home and safe.

What To Do When You Get To Your New HomeBr> Before the movers arrive make sure that each room in the house is labelled correctly that way the movers will be able to put the correct boxes and furniture in the correct rooms. Once they're gone lugging all of that stuff from room to room is not going to be fun.

Concentrate on the main areas first. Once the beds are set up the kitchen and the bathroom are good places to start. But it all takes quite a bit of time (unless you have a small army to assist you). Failing that I can assure you that when it gets round to nightfall on your first day in your new home you are going to be tired, overwhelmed and in need of a long hot shower.

It may be tempting to throw yourself head first into unpacking and making your new home yours but trust me when I say - all you really need to do is get your bedroom sorted out. The rest can wait. A good idea is to pack an easy-to-access first night kit (box) which contains your bedding, essential toiletries (don't forget the towels), PJ's and a change of clothing. It's also advisable to pack in a pair or scissors, a torch, candles and matches (just in case). This kit together with the take outs you're going to get (because trust me - cooking is not going to be an option) is all you really need for your first night.

After a great night's sleep you'll be able to tackle the rest of the house and sooner than you know it your house will become your home.

Good Luck!

The Precious Dating Advice

Dating is fun. If you are pretty familiar with the dating process, you should probably know that it’s kind of lengthy but it’s really fun! How long has it been since your last day? Was it a great date or was it a waste of time? If you love dating and want to start dating now, you should probably head on to TheModernMan.com.

TheModernMan.com is a great site in guiding you to success in dating with women. It’s crucial that you know what to do when you are on a date – most of you are unaware that you have missed out certain important points while you are out dating! You can in fact get lots of information on dating on the site itself – from the history of dating to dating tips such as build more confidence with women, how to attract women, how to start a conversation with women and understand what women really wants from men. If you want, you can even get email tips from this dating site. It’s great getting dating tips in your email anytime and any place.

Dating women is really a no brainer. For example, if you are having problems chatting with women, TheModernMan.com has a private audio vault which you can use to practice conversations with women, how to attract her and it’s made to be really fun! If you follow the link, you can now access the audio vault for free! I believe that majority of a relationship is communication. You don’t want to live with a person that you can’t communicate with right? Imagine having to spend your entire life with a person that you can’t really talk to – it’s really crucial that you build up your communication skills through this audio vault. It’s also the secret to happiness as well. Don’t believe me? You can give it a try!

And finally, you get access to a dating web site run by dating coaches. These dating coaches are the expert! Results guaranteed – period.

From my personal review of TheModernMan.com, I personally believe that it’s really a great dating site which has all the information that you need to help you get started in dating a women. They have all sorts of information which comes in different forms such as an eBook, seminars and courses all aimed to help you in your dating. Well after reading the testimonials from people who have really used the site – I think it does really work. It’s a great service – just pay the site a visit, it won’t even costs a thing. Cheers!

How To Buy Properties Without Risk

The frequently talked about phenomenon of real estate bubble refers to the condition under which the values of residential or commercial or both types of properties rise very fast. This causes the market to be over-priced where the buyers buy the properties at a price much higher than the normal value even though they are afraid of the fact that the bubble may burst and the prices may fall even faster than they soared. It is risky for those buyers who are unable to bear the loss of their investment to purchase properties in such a market.

There is the risk of getting into unwanted financial condition for the people who purchase properties under the situation of real estate bubble, especially if their equity for the property is very less. Equity refers to the share of the property the buyer own against the share of the lender or the bank. If the bubble bursts while the buyer still has a huge amount to pay back, the buyer will have to pay back the debt amount for the property that does not have a higher or even similar value of the debt any more. It goes without saying that this kind of loss is in theory and may happen only if you sell the house in reality.

However, if the buyer possesses a higher equity of the property or has the financial capacity to sustain a loss, the situation is comparatively much better. Under such a circumstance, if the bubble bursts, it's more of an irritation as opposed to a monetary disaster.

If you plan to buy any property located in some area that is experiencing the conditions of real estate bubble, and you have an average earning, get enough information before you actually make the purchase. Weigh the probable odds against the goods and be prepared for the possible financial loss before making any progress with your purchase decision. You need to do some homework before you actually make the purchase. You should track the market fluctuations for that area for few months, follow the trends of sale and pay heed to what the experts opine about the place, even though they may have conflicting opinions. You should then use the entire information that you have gathered to weigh the pros and cons of the purchase.

Following a few common steps may assist you to overcome better the conditions that may arise due to the bursting of real estate bubble. It would prudent of you if you can lessen your debt amount, as that would assist you to tackle the financial problems better in case you are compelled to sell the property during an inappropriate time. It is always wise to invest any unexpected monetary profits for augmenting the value of the house instead of spending it for luxury items or impulsive buying. It is agreed by most of the real estate experts that it is possible for you to recover about 80 to 90 percent of the total investment you made for restyling your bathroom or kitchen while selling the house. However, you are best protected if you buy a house that has a high probability of being resold, your chance of loss is much less even if the real estate prices drop suddenly.

Drug Referral Service at 1800NoDrugs.com

If you had a drug problem would you know where to go for help? Most people are usually too embarrassed to ask for help. I also haven’t met many drug addicts who seem to be down on their luck that have the means to enter inpatient drug treatment. It’s just hard to get on the right track for treatment. Sometimes, just taking the first step is so overwhelming that the problem reaches a deadly point before you can reach out for help. Family and friends are often to scared of the reaction of the person with the problem to even bring it up so they attempt to ignore it hoping it will remedy itself. Rarely does it.

If it were as easy as making a phone call would that help you get help for the ones you love or yourself? 1-800 NO DRUGS is a drug addiction referral service that makes it simple to find a drug treatment program. They have even made the call free. Now there you won’t be able to make any excuses for not calling them. They are waiting for you to reach out to them so they can get you the help you need, the help that fits your problem and your lifestyle.

You can also check out the website 1800nodrugs.com for more information on the toll free number and the services they provide. There are also some links of interest that pertain to addiction and treatment as well as assessment for you to take if you have any questions about just how bad your problem is.

This is a non profit and you can even make a toll free call to them to inquire about the treatment services they offer. Best of all, you can get treatment with your limited resources, possibly even for free. If you are not sure which way to turn, but you know that you have to change something by getting into a long term addiction treatment program then call this referral service right now. It is never too late, or too impossible to get the help that you need.

What is the right time to invest in real estate?

Unless you were hiding inside caves or living in the so-called dream-world, you must have heard about the slowdown in real estate markets worldwide. And just as with any other hyped-up bull market, a lot of people who had bet that prices would rise forever are getting surprises. Nevertheless, buying real estate is an investment and buying during the dips - while prices are falling - can lead to gains over time. Find some hot listings.

But remember, investing in real estate is quite unlike buying stocks. The racks at book shops, TV Shows, Corporate Handouts, and Internet Web Portals or Blogs may be overflowing with books and ideas insisting that many are making their fortunes in real estate, but the truth is, compared with stocks, real estate is a complex, multi-dimensional investment. So, if you have to buy a new home to live-in and can afford it, just buy - whether the market is up or down. Property ownership is the best overall investment, and when you look at the complete picture, it is true - there are many tax and financial advantages to owning a home, and most properties do tend to appreciate over the longer term.

But the idea of real estate investment returns should consider major property buying drivers like cost, location, condition, rental value and choice. The bottom-line is, investment property is a piece of real estate that generates income - more income than it costs to own and maintain. Whether it is a beach condo or office space, the biggest consideration is income from it must exceed the cost. The cost includes everything: loan payments, taxes, upkeep, utilities, etc.

The buying decision is not fully dependent on whether the real estate market is up or down. If you want to make a stock market type investment in real estate, consider investing in real estate mutual funds or trusts. There are many realty funds now available to Indian Investors, and as they always advise, do read the offer documents before investing!

Real Estate Growth Website

There are hundreds of realtors in my phone book and fax file. Some I do business with once and never again. Others close two or three sales a year, so they don’t bring me much business either. Then there are the others whose names I never have a problem remembering, whose numbers are regonizable to me when they appear on my caller ID. They’re my steadies - my regulars. They call every few weeks at least, sometimes several times a month, needing my inspection service because they have a sale that is approaching closing. There are two things I’ve noticed that differentiate them from their less successful competitors.

1. They understand that real estate marketing starts with marketing themselves. They work hard at getting their names out there and at recruiting new clients. They advertise and do cold calls. When they sign a contract with a seller, they don’t pat themselves on the back and go home to relax. They knock on every door in the neighborhood, introducing themselves and offering their services. When the buyer signs, they do it all over again. They understand that getting their name in front of potential clients is the most important thing they can do to keep their business growing.

2. They never stop learning. If they aren’t with clients, they’re in a seminar or continuing education class. When they’re finally at home each evening, they’re online studying a real estate marketing blog or looking for new classes to take. They’ve made it their business to understand housing trends and market fluctuations because they know their careers depend on it.

One thing which is very much special I find in it that they using modern art of technology which are boost up by Proquest Technologies they provide various kind of important feature for Real Estate Agents like 100% ANI call capture, Automatic fax back within 20 seconds, Call Transfer.. & many more.

These are my personal observations as an “inside outsider,” not in the real estate industry, but working exclusively within it anyway. I think that every successful realtor I know will agree with me. And the ones who read my blog will be grateful that I’ve provided them with some new learning resources through this sponsored post. It’s the least I could do for the folks who keep the market thriving and make my business profitable.