FSBO Closing Costs

What Are Closing Costs?

When selling your home "For Sale by Owner" (aka FSBO), your lender usually prepares a "Good Faith Estimate" of closing costs. You are entitled to receive this estimate no later than three business days after you apply for a loan. Because it is an estimate of the costs you may incur, it may not contain all potential costs. The lender will not know what all of the costs are going to be. The Good Faith Estimate will be an estimate based on previous experience. Actual closing expenses usually exceed the estimate. To avoid problems, go prepared to pay more than the amount listed on your estimate.

If you are comparing two lenders, look only at the costs charged by the lender. Lenders can only make educated guesses about the charges made by others.

You will receive an itemization of costs you may have to pay when you buy your home. The costs are listed in the order that they should appear on a Good Faith Estimate you obtain from a mortgage lender.

There are two broad categories of closing costs. Non-recurring closing costs are items that are paid once and you never pay again such as loan origination fees, recording fees, survey fees, etc. Recurring closing costs are items you pay again over the course of home ownership, such as property taxes and homeowners insurance.

Closing costs are usually made up of the following:

1. Attorney's or escrow fees (yours and your lender's if applicable)
2. Property taxes (to cover tax period to date)
3. Interest (paid from date of closing to 30 days before first monthly payment)
4. Loan origination fee (covers lender's administrative costs)
5. Recording fees
6. Survey fee
7. First premium of mortgage insurance (if applicable)
8. Title insurance (yours and your lender's)
9. Loan discount points
10. First payment to escrow account for future real estate taxes and insurance
11. Paid receipt for homeowner's insurance policy (and fire and flood insurance if applicable)
12. Any documentation preparation fees.

On closing day, you'll present your paid homeowner's insurance policy or a binder and receipt showing that the premium has been paid. The closing agent will then list the money you owe the seller (remainder of down payment, prepaid taxes, etc.) and then the money the seller owes you (unpaid taxes and prepaid rent, if applicable). The seller will provide proofs of any inspection, warranties, etc.

Once you're sure you understand all the documentation, you'll sign the mortgage, agreeing that if you don't make payments the lender is entitled to sell your property and apply the sale price against the amount you owe plus expenses. You'll also sign a mortgage note, promising to repay the loan. The seller will give you the title to the house in the form of a signed deed.

You'll pay the lender's agent all closing costs and, in turn, he or she will provide you with a settlement statement of all the items for which you have paid. The deed and mortgage will then be recorded in the state Registry of Deeds, and you will be a homeowner.

At closing, you will get:

1. Settlement Statement
2. HUD-1 Form (itemizes services provided and the fees charged; it is filled out by the closing agent and must be given to you at or before closing)
3. Truth-in-Lending Statement
4. Mortgage Note
5. Mortgage or Deed of Trust
6. Binding Sales Contract (prepared by the seller; your lawyer should review it)
7. Keys to your new home

Your Settlement Costs are going to consist of the following:

1. Sales/Broker's Commission: This is the total dollar amount of the real estate brokers sales commission, which is usually paid by the seller. This commission is typically a percentage of the selling price of the home.

2. Items Payable in Connection with Loan: These are the fees that lenders charge to process, approve and make the mortgage loan.

3. Loan Origination: This fee is usually known as a loan origination fee but sometimes is called a "point" or "points." It covers the lender's administrative costs in processing the loan. Often expressed as a percentage of the loan, the fee will vary among lenders. Generally, the buyer pays the fee, unless otherwise negotiated.

4. Loan Discount: Also often called "points" or "discount points," a loan discount is a one-time charge imposed by the lender or broker to lower the rate at which the lender or broker would otherwise offer the loan to you. Each "point" is equal to one percent of the mortgage amount. For example, if a lender charges two points on a $80,000 loan this amounts to a charge of $1,600.

5. Appraisal Fee: This charge pays for an appraisal report made by an appraiser.

6. Credit Report Fee: This fee covers the cost of a credit report, which shows your credit history. The lender uses the information in a credit report to help decide whether or not to approve your loan and how much money to lend you.

7. Lender's Inspection Fee: This charge covers inspections, often of newly constructed housing, made by employees of your lender or by an outside inspector.

8. Mortgage Insurance Application Fee: This fee covers the processing of an application for mortgage insurance.

9. Assumption Fee: This is a fee which is charged when a buyer "assumes" or takes over the duty to pay the sellers existing mortgage loan.

10. Mortgage Broker Fee: Fees paid to mortgage brokers would be listed here. A CLO fee would also be listed here.

11. Interest: Lenders usually require borrowers to pay the interest that accrues from the date of settlement to the first monthly payment.

12. Mortgage Insurance Premium: The lender may require you to pay your first years mortgage insurance premium or a lump sum premium that covers the life of the loan, in advance, at the settlement.

13. Hazard Insurance Premium: Hazard insurance protects you and the lender against loss due to fire, windstorm, and natural hazards. Lenders often require the borrower to bring to the settlement a paid-up first years policy or to pay for the first year's premium at settlement.

14. Flood Insurance: If the lender requires flood insurance, it is usually listed here.

15. Title Charges: Title charges may cover a variety of services performed by title companies and others. Your particular settlement may not include all of the items below or may include others not listed.

16. Settlement or Closing Fee: This fee is paid to the settlement agent or escrow holder. Responsibility for payment of this fee should be negotiated between the seller and the buyer.

17. Abstract of Title Search, Title Examination, Title Insurance Binder: The charges on these lines cover the costs of the title search and examination.

18. Document Preparation: This is a separate fee that some lenders or title companies charge to cover their costs of preparation of final legal papers, such as a mortgage, deed of trust, note or deed.

19. Notary Fee: This fee is charged for the cost of having a person who is licensed as a notary public swear to the fact that the persons named in the documents did, in fact, sign them.

20. Attorney's Fees: You may be required to pay for legal services provided to the lender, such as an examination of the title binder. Occasionally, the seller will agree in the agreement of sale to pay part of this fee. The cost of your attorney and/or the sellers attorney may also appear here. If an attorney's involvement is required by the lender.

21. Title Insurance: The total cost of owner's and lender's title insurance is shown here.

22. Lender's Title Insurance: The cost of the lenders policy is shown here.

23. Government Recording and Transfer Charges: These fees may be paid by you or by the seller, depending upon your agreement of sale with the seller. The buyer usually pays the fees for legally recording the new deed and mortgage (line 1201). Transfer taxes, which in some localities are collected whenever property changes hands or a mortgage loan is made, can be quite large and are set by state and/or local governments. City, county and/or state tax stamps may have to be purchased as well

24. Survey: The lender may require that a surveyor conduct a property survey. This is a protection to the buyer as well. Usually the buyer pays the surveyor's fee, but sometimes this may be paid by the seller.

25. Pest and Other Inspections: This fee is to cover inspections for termites or other pest infestation of your home.

26. Lead-Based Paint Inspections: This fee is to cover inspections or evaluations for lead-based paint hazard risk assessments.

27. Total Settlement Charges: The sum of all fees in the borrower's column entitled "Paid from Borrower's Funds at Settlement" is placed here. This figure is then transferred to line 103 of Section J, "Settlement charges to borrower" in the Summary of Borrower's Transaction on page 1 of the HUD-1 Settlement Statement and added to the purchase price. The sum of all of the settlement fees paid by the seller are transferred to line 502 of Section K, Summary of Seller's Transaction on page 1 of the HUD-1 Settlement Statement.

Don't be overwhelmed by all of the fees and charges. Your closing agent will go over each item one line at a time.

The author, Kyle Soper, is the website Manager of Virtual FSBO (http://www.VirtualFSBO.com), a FSBO website created in 1999.Rheba Blog38364
Revkah Blog92636

Teachers Explore New Methods for Teaching Literacy in Long Island Schools

Sachem School District teachers completed another professional development activity thanks to the University of Kansas Center for Research on Learning. The program is called the Strategic Instructional Model (SIM) and looks at how teachers can improve literacy in low performing adolescents

The Strategic Instructional Model

Developed over 25 years of research, SIM works to help teachers recognize what lessons are of greatest importance and target those lessons towards a diverse group of learners. SIM rests on four philosophical principles:

Low proficiency students can be taught in mainstream classrooms.
Teachers aides, or support teachers, should concentrate on helping students develop learning strategies.
Subject teachers should organize their lessons so that the material can be understood and remembered by low proficiency students.
The students should be actively involved in deciding how to learn new strategies.

SIM works on two levels, one addressing the needs of the teacher and the other addressing the needs of the student. For teachers, SIM training provides a method for organizing information in ways that are most useful for students, so that they can understand what they learn and then be able to use it to accomplish tasks. For students, academic coaching develops learning strategies that can be applied to what they learn in school. These strategies range from learning ways to approach written texts, including informational readings and math word problems, as well as ways to express information in writing, as is often required on standardized tests.

Another important element of SIM is the way that it promotes teamwork among teachers, students, and parents. In deciding what content to teach to students, teachers and students work together to determine what information students need and what the best method of delivering that information is. This creates a feeling of comradery in the learning community and helps all stakeholders contribute to the overall success of students.

What Long Island Teachers are Saying About SIM

Many classroom teachers have welcomed SIM as a concrete approach to meeting the needs of their students. After observing a demonstration writing lesson conducted using the method, teacher Jill Kristoff comments, The SIM sentence writing strategy is a very useful tool for children, teaching them grammar and sentence structure, as well as improving their writing

Stacy Andell is a staff writer for Schools K-12, Which provides free, in-depth reports on all U.S. public and private K-12 schools. Stacy has a nose for research and writes stimulating news and views on school issues.Rita Blog90104
Raphaela Blog52325

Ten Reasons To Start Learning Chinese

1. Chinese, is one of the Sino-Tibetan languages, or more accurately it is a group of different dialects of which Mandarin (Putonghua) is one. Taken together there are more native speakers of Chinese than any other language. To put this in perspective there are approximately 915 million speakers of Mandarin (without including any of the other dialects such as Cantonese), compared to Spanish, the fourth most widely spoken language in the world with around 400 million speakers.

2. You dont have to learn Chinese characters to learn to speak Chinese. Pinyin is a method of writing Chinese in the roman alphabet. Hanyu pinyin spells the sound, and includes tone marks to help give the correct pronunciation.

3. Chinese literature. The dialects are not mutually intelligible but the written language is shared between them all. Although you do not need to learn to read Chinese characters to speak the language, by doing so you open the door to an enormously diverse and rich literature. In fact, the earliest record of writing was in Chinese characters although very different in form from modern characters (of which there are many thousand).

3. The Chinese economy is the fastest growing economy in the world, and so in the work environment even speaking a little Chinese will give you a competitive edge, if your company invests in China or is considering doing so.

4. Language and culture are linked and learning something of the Chinese language will help give an appreciation of the cultural heritage of China.

5. China is accessible to the foreign visitor in a way that it has not been in the past and travel to and within China is becoming easier, but to make the most of this opportunity for travel, language at a basic level is important. Mandarin is spoken throughout China.

7. China is becoming increasingly important in the world and may be the dominant economic power in the not so distant future.

8. Food. You can eat in the tourist restaurants in hotels but if you want to see more of China it is more better to try the food and experience the culture in local restaurants.

9. In 2008 the Olympics are being held in Beijing. In 2008 many foreign visitors will descend on China to watch the Olympics. It is an ideal opportunity, if you are lucky enough to be going, to stand out from the crowd by being one of the few who has learnt at least a few words of Mandarin.

10. Like any other language, it is possible to learn a few words and phrases in Mandarin, enough to be polite without spending years in further education. Linguata would help.

Frank Middleton is a freelance author and writes occasional articles for http://www.linguata.com a site with a practical realistic and fast approach to learning words and phrases in a foreign language, using a combination of sophisticated testing and simple games.Pet Blog30054
Pamelina Blog4781

8 Reasons To Fall In Love With Marrakech Travel

Just beneath the high mountain range of the African Atlas is the red city of Morocco known as Marrakech. With a culture that has grown to be so vibrant, free, and pure, who would have known that this imperial city only started as another pit stop for medieval caravans? However, regardless of its humble beginnings, you'll still be bound by its magic spell with the warmth of its people, inspiring history, and colorful tradition. Standing in the middle of the red city walls, you'll know for sure that you're in for a timeless escape with Marrakech travel. But to make the most out of your journey to this spellbinding exotic destination, here are the top eight things you shouldn't dare miss on your Marrakech travel:

1. Relive the memories of the old city.

The 13th century walls that surround the medina is reminiscent of ancient struggles and battles that took place in Morocco. A tour around the age-old fortresses, gates, and tanneries in your Marrakech travel is a good photo opportunity for tourists. Not only that, you'll also enjoy the inviting spirit of the modern city amidst the well-preserved relics, natural wonders, and architectural pieces of the past. With friendly people and bustling activities around the corner, you'll enjoy every minute of this experience.

2. Get lost with the crowd at Djemaa el Fna.

This large square that lies at heart of the old city is teeming with too many spectacles and surprises. From bargain shopping to snake charming, you'll never have a dull moment in your Marrakech travel. Open your eyes to a lot of things, which include juggling acts, musical performances, as well as belly dancing. You don't even have to worry about losing your way back to your hotel. As overwhelmingly large as it can be, the square offers a winding escape to interesting sites around the city.

3. Take a spiritual retreat.

They say that paying a visit to popular trails of mosques, churches, and other places of worship is a wonderful Marrakech travel experience that can be life-altering. However, for those who only wish to satisfy their curiosities, time is well-spent in admiring some of the most exquisite architectural designs in the world. You'll be stunned how Marrakech was able to preserve the intricate details and premedieval style of these structures but much more, how it preserved its solemnity. The famous pilgrimage for the "seven saints" is also found in this city, while the Saadian tombs is highly recommended by most tourist guides.

4. Shop and explore its very best.

Popular market stands also known as "souks" offer the best treat for bargain shopping. The bazaar is usually filled with exotic finds such as metal works, wood pieces, baskets, and leather sets-- some of which, you'll only find in Morocco. You'll also be advised not to end your Marrakech travel without a belt, jewelry, carpet, or any form of clothing that are found in the souk.

5. Take a journey to the past.

Marrakech is one of the best places to find age-old ceramics, paintings, mosaic, jewelries, and fabrics. Its museums house prestigious artifacts that date back to more than a thousand years. Manuscripts, contemporary arts, and traditional clothing are among the well-preserved collection. You may also take note in your Marrakech travel experience that museums here are not just brick-and-mortar structures but are also adorned with verdant gardens.

6. Stay in luxurious Riads in Marrakech.

Your Marrakech travel experience will not be complete without staying in the city's famous Riads. These are residential facilities that top any 5-star hotel in modern cities. With luxurious rooms, overlooking views of the fountain, roof top terraces, and exquisite decorations, Riads are one of the best reasons to stay in Marrakech.

7. Experience the colorful tradition of Morocco.

Embrace the Moroccan culture through entertainment activities and festivals in Marrakech. The Popular Arts Festival is a good way to add more life to your Marrakech travel adventures. Have a great time with fortune-tellers, fire swallowers, and acting troupes in the culmination of this festivity. Apart from carnival spectacles, you'll also witness the horse-riding parade known as Fantasia.

8. Treat yourself to fun-filled activities.

Popular streams of casinos, discos, and bars are found in the city. But remember, alcoholic drinks are not allowed. Chances are, you'll have to stay sober all night. Apart from enjoying Western hits and Moroccan pop music, your Marrakech travel adventure can never be complete without experiencing a taste of its gourmet paradise. Most cafes and restaurants in Marrakech offer a fusion of flavors from home grown recipes to international dishes.

Rcon Franchesca Pascua is an in-house writer for the online media company Intelligraph Corporation. She enjoys traveling to exotic destinations and writing about her Morocco travel adventures. For more information on Marrakech travel, visit http://www.morocco-emotions.comRaf Blog17869
Rennie Blog90685

Matrimonial Lawyer can Guide you in Doing the Right Things

No one gets married with the intention of getting a divorce. But certain situations may arise in the life of a person where divorce may seem to be the only way as well as the best option to come out of the situation. Divorce can turn out to be a bitter and ugly experience for a person if not dealt with properly. There are many legal nuances associated with this entire procedure, and in such a scenario a matrimonial lawyer can be your best guide. Matrimonial lawyers are specialized to deal with each and very aspect relate to wedding and divorce.

Well handling divorce cases are not the only things which a matrimonial lawyer does for his/her client. Drawing up a prenuptial agreement is another aspect of wedding where a matrimonial lawyer can help you out. Prenuptial is an agreement which is drawn up by couples prior to the marriage. Ideally, a prenuptial agreement includes settlement of any dispute which may come up if a couple decides to separate or divorce. The contents of a prenuptial agreement differ from couple to couple.

If it happens that you want to seek divorce from your spouse, you must take the help of a matrimonial lawyer to deal with the situation. There are many things that need to be dealt when a couple seeks divorce. First of all fix an appointment with your attorney and tell him what exactly you want. There can be a situation where you find that many things are at stake and those things may take an ugly turn if you do not seek legal aid.

Seeking the services of a matrimonial lawyer New York is all fine, but you will have to be very careful to actually find out a good attorney to represent your case. Well there are law firms that specialize in dealing with matrimonial and divorce cases. What you need to do is find out the lawyer who has the best success are of dealing with such cases. Lawyers charge a huge sum from their clients and matrimonial lawyers are no exception to this rule.

Generally, it is assumed by people that a lawyer who is very successful will charge very high fees. While this may be true in some cases, this is not always the case. So be sure that you do not get swayed by reputation and big names. Find out if the lawyer is actually capable of handling your case or not, before you hire his/her services. While communicating with the lawyer, have a heart to heart talk with him about his fees. This will help you in being financially prepared to fight the case.

If you are serious about finding out a good matrimonial lawyer to deal with your case, you need to take some time out of your schedule to find the lawyer who will do the best work for you. Checking out with the lawyers former clients is a very good way of going about doing this. From the testimonials, you will be able to know first hand about the capabilities and shortcomings of the lawyer that you plan to hire. Do not settle for the second best matrimonial lawyer to deal with your case.

Hadiya Robins is a legal expert. She works for Pulversthompson and gives advice to clients who are looking for Immigration Lawyer New York,Matrimonial lawyer New York,Injury lawyer new york.For legal advice and to get services of a Lawyer in New York visit http://www.pulversthompson.com.Pat Blog69994
Pennie Blog46855

Car Repair Prices: Fuel Injection Services, Are They Worth It?

Fuel injection services are growing in popularity for the following reasons in the order of motive.

1) Increases service center's profit
2) It's an easy sell with todays gas prices
3) Offsets manufacturers' maintenance reductions
4) Poor gas quality
5) Poor adherence to vehicle maintenance

Notice that "It's required" did not make the list. That's because fuel injection services are not required the majority of the time.

However, injector services are at times beneficial, even necessary. See the following frequently asked question and answers

What do they do?

Depending on the product, injection services clean naturally forming carbon deposits from the fuel injectors and fuel railssome will even clean the fuel tank, and valve carbon deposits.

Do they work?

In short, yes. Provided its a premium product (such as BG), and the service is performed correctly. Fuel injection services can do amazing things. They can improve fuel efficiency, increase horse power, and repair some performance concerns, although these benefits are rare.

Whether or not fuel injection services will do all the above "every time" for your car is another story.

I have even seen fuel injection services quiet horrendous carbon knocks--a knocking noise from the engine due to excessive carbon build-up coming in contact with internal engine components.

Are they worth it?

Maybe. It really depends on the condition of the vehicle. If the service achieves any of the advertised claims, it may be worth it. In truth, most cars dont need it. The consistent use of quality fuel, and proper vehicle maintenance should be all that is necessary to keep a car running properly.

However, consistent use of cheap gas and poor adherence to an auto maintenance schedule, as well as certain driving styles can significantly increase the accumulation of carbon deposits. Thus the possibility of poor fuel efficiency, decreased horsepower, and performance issues increases--all of which could be helped by injector maintenance.

The other factor to consider is the expense. How much fuel savings justifies the cost of the fuel injection service, and how long is the pay off. BG claims that their product will pay for itself in a year's time. However, remember that the condition of the vehicle is a big variable! If the car doesn't need it, there's no benefit.

How often should it be done?

It depends on the product, but generally between 15,000 to 30,000-miles.

Are they necessary?
It depends: See the discussion under Are they worth it?

Can a fuel injection service do any damage to my engine or car?
Not if done correctly. Done incorrectly, anything goes. A technician could conceivably hydro-lock your engine, or blow a hole in the pistonalthough both scenarios are rare.

If anything does go wrong, there is usually an underlying problem, which gets exacerbated by the fuel injector auto maintenance.

Why doesnt my manufacturer recommend fuel injector cleaning auto maintenance?
No manufacturer recommends fuel injector cleaning auto maintenance under normal operating conditions. From a manufacturers viewpoint: take care of your car right (i.e., as the manufacturer dictates) and youll be fine.

However, depending on the problem, some manufacturers will recommend fuel injector cleaning auto maintenance as the cureespecially carbon knock. With the wide variety of fuel qualities available, manufacturers are reconsidering fuel injector cleaning auto maintenance.

How much does fuel injector cleaning auto maintenance cost?
Prices vary depending on the service center and the actual procedure performed, and product used. The procedure you want should clean the entire fuel system including the tank and should not cost more than $150.

Also, make sure the service is actually performed as fuel injector maintenance is a common scam across the industry.

Lastly, fuel injection maintenance is often presented in such a way as if it is the magical cure for all your car's quirks--it not!

When in doubt, don't do it.

Theodore P. Olson (Ted) holds extensive certifications from Mercedes-Benz, Toyota, GM, and ASE. He is the author of eight books and numerous articles on the automotive service industry.Rissa Blog78118
Raychel Blog34194

School Weblogs - Why Blogging Benefits Schools - Part 1 of 2

Weblogs or blogs as they are known are here to stay. They will evolve as time goes on but communicating online via blogs whether through text, video or podcast audio, is something that is going to be a part of the internet for some time. Schools today can benefit greatly by providing their students with a school-sponsored weblog as a means to communicate with their teachers and other students in their school. In the same way that many blogs have virtual communities formed around them, schools can create and foster a community environment that provides a beneficial learning environment for kids today rather than just a place they have to go everyday.

School Policies & Contact Information

In the news today we see many schools enacting policies and practices to help them run better and provide a positive learning environment for all children. One area for example has to do with what is or is not acceptable in regards to the clothing allowed at the school. Schools that use a weblog would be able to have all their policies listed in one easily accessible location for parents to review. Regarding a school dress code policy, the school would be able to post actual images of the type of clothing that is not allowed on campus so parents would be able to have a clear idea of what clothing is acceptable when they go to school. Other policies such as grade requirements for playing sports or participating in school sponsored clubs as well as the school disciplinary policies for things such as fighting, bullying, being late or failing to complete homework assignments can also be posted on the school weblog. Contact information can also be provided for parents with questions or concerns regarding a policy.

School Events and Sports

Schools utilizing a blog can use it as a way to boost school spirit and participation by placing video clips of sporting events such as basketball, football or soccer games, track and field events. Other events such as science fairs, dance recitals, awards and more all can be promoted on the weblog as well. Through promoting the school clubs and teams this way other students can find out what is going on in the school as well. Promoting the school activities like this is also a great way to attract perspective students and their parents who have recently moved or are going to move into the area.

Additional Class Instruction

School weblogs can be a great place and informational resource where students can go for additional help with their school assignments. Many times teachers do not have enough time to devote to each student to answer each and every question. Through a blog setup by the school, teachers can post amplifying information on topics that they cover in class, further explanations, and more examples - things that they do not have time to cover in class. Students can then look over this additional information to help them when they are working on their homework. Every person learns differently, and by explaining information in different forms, either with diagrams, words, or other means the idea can be conveyed so that the student can grasp it.

The school blog can also provide links to other valuable educational resources that can be used. Teachers that find a good informative video to watch, website to read or podcast to listen to that covers a topic can place a link on the blog page and students can then access the information to assist them in their assignments.

Utilizing a chat room feature, schools using weblogs would provide a way for students and teachers to discuss problems that come up when working on homework assignments. Some students have anxiety over asking questions in class, so by providing a way that they can ask teachers questions outside of the class can help them overcome problems they may be having. An online chat feature would also be a way that students can form study groups to work on assignments.

While the use of weblogs in school can provide students with a valuable educational resource they can also provide them with other information to help them with the day to day problems they may face. Read Part 2 for more on how weblogs can provide valuable resources for students, teachers and parents as well as some of the privacy and security concerns that will arise.

John Collins is a contributing writer for Computer Internet Resources. Visit http://www.blogging.computerinternetresources.com for more information on blogging, its uses and applications as well as reviews of blogging software and services.Ranee Blog22600
Pippa Blog28395

Add Extra Zing to Your Orlando Trip-at Vacation Home Rental

Orlando vacation home rental can add extra zing to your Orlando trip! Yes, it is true that staying at these homes, you can enjoy your Orlando vacation with complete freedom, joy and in a comfortable way. To emphasize this point, let us discuss about the features of Orlando vacation home rental.

If you stay in hotel, you may have to face various hassles. Some of them are like, limited place, lots of restrictions, others boarders noise and many more. Besides, if you travel with a larger group, arranging accommodation for all travelers properly in a same hotel may not be possible for you. Oppositely, at Orlando vacation home rental, enjoying vacation in a free, comfortable environment is possible.

Providing various sorts of travelers, custom-made service- it is the uniqueness of these rental condos. For romantic couple, specially designed apartments are available in Orlando. Alternatively, one, traveling with family, can get family-living vacation home rental in Orlando. Even more, if a group of 10-15 travelers looks for vacation rented home during Orlando vacation, arranging a vacation rental abode that will be commensurate with the group will not be a big deal.

Infusing serenity and seclusion along with unlimited fun and freedom- this is an advantageous attribute of vacation rental home that will add a new taste to your Orlando vacation. Unlike hotels, you need not oblige any regulation. These abodes are the best definition of enjoying vacation as your preferable mode.

All sorts of amenities are available at vacation home rental in Orlando. Here you can cook that is unimaginable in hotels. Kitchen is available with every vacation rental condo, where you can access all kitchen equipments and ultimately with this option, you will be able to save your money from having meals outside.

Furnished with all ultra modern facilities, Orlando vacation home rental will make you remember your home during vacation. If you are an entertainment-lover and want to enjoy various entertainments during vacation, then these rental homes are the best place for you. All sorts of entertainments you can avail here. TV, CD player, music player, books, indoor games, swimming pool all are arranged at Orlando vacation home rental that will make your Orlando trip memorable forever!

Moreover, you can access these homes at hotel price. You can get your vacation rental home at your budget. But when it comes to getting a cost effective deal, some searching is necessitated. Over the net, you can find various property owners, companies, property dealer, from where you can get information about vacation home rental in Orlando. Compare their rates and choose the best Orlando vacation home rental for making your next vacation.

Sylvestor Johnson is offering loan and rental advice for quite some time. He is working as financial consultant for ThinkRentals. To find Apartment rentals, Condo rentals, Orlando vacation home rental, Vacation rentals, Beach house vacation rentals at cheap rates that best suits your needs visit http://www.thinkrentals.comRaina Blog31451
Phyllys Blog28982

21st Century Work At Home Business--Start a Home Business

Work from home, work at home, start a home business and start an internet business, how many times do you see these phrases if you do any surfing on the net. Probably many times, right? How do you decide which ones are worthwhile? It is not easy.

Have you spent money on a work from home business and discovered that after youve paid your money you cant find anyone to help you? You are left out in the cold, on your own. Not a good feeling, right?

So you have heard all the hype, fell for some of it, and now feel that everything you see on the net is a scam. But at the same time, there are those who start an internet business and succeed in a big way. Why cant that be you?

The main reason that most people fail or not make what they expected is lack of training. You need generic training so you can market any program that you sign up for.

According to Dot Santoro, Predator Marketing System business owner, Predator is the place where you can find exactly what you need for your work from home business. There are multiple trainings everyday, you feel like you are part of a group, where the success of everyone, including you, is important. I have never been in a program where you are taught to do things that only the big internet gurus do.

Predator Marketing System claims to be the 21st Century business model for the work at home industry. Dot enthusiastically says, Now is the time to start an internet business if you have ever wanted to work at home and Predator Marketing System is the vehicle you have been searching for.

Predator will teach you how to drive traffic, how to get an abundance of free leads and how to market, not only Predator, but any other internet businesses you have. Their team of trained closers, all of which are successful marketers, will do the hard part and according to the Predator Marketing System site, you get paid $1,000 to $3,000.

Learning to market without rejection has been the most important aspect of my success, reveals Dot Santoro, as long as I had to place hundreds of phone calls to get any sales, my work from home business was not going anywhere. Now, I spend my time doing the marketing, not on the phone trying to make sales.

To learn more about Predator Marketing System and how it works, go to http://getpaidtomarket.com and request a callback, that way you can see how the system works.

Dorothy Santoro's living comes from network marketing. She lives in the hills of Tennessee, where she raises a small herd of mini goats on a 25 acre hobby farm. So when she is not on the 'net, she's probably out in the barn. The latest addition to her portfolio of online businesses is Predator Marketing System which you can find at http://getpaidtomarket.com.Randa Blog10087
Philippe Blog28692

How a B2B Business Loan Works

A B2B business loan essentially begins with the person who wishes to start their own business or enhance the business that they are now operating. A B2B business loan should start with research as many different interest rates apply, time to do pay back, and of course it is important to be able to renew the loan.

The most requested is the unsecured business loan. Meeting the requirements might pose a pose a problem unless you have a very good credit score of a minimum 680. You must also have a lower debt ratio in order to get a higher loan amount. The B2B business loan for those who are seeking an unsecured loan must have good credit. There are benefits that make it easier for a business to obtain the loan with good credit. The following benefits apply:

NO Collateral is required.
NO Financial statements are required.
No Business plan is required.
Quick approval usually within about 72 hours.
Complete freedom on use of loan proceeds.
For this program you must have a Dun & Bradstreet number, high payday, and comparable credit.
Minimum low 4 daily balances in your business bank account.

The average interest rates will fall between prime +3 prim +9 which depends on your credit and debt ratio. The terms of this type of B2B business loan normally are $1100-$1600 a month per $50,000 financed on a 5 year term dependent on your credit.

We have researched several B2B business loan financial institutions and found that Noble Financial is the leader in obtaining unsecured business loans. They currently have business in all 50 states. Business owners do not have to pledge personal or business assets to receive approval. There will be no liens or UCC filings. Noble Financial boasts that using their facility is a powerful alternative to visiting your local bank. An unsecured business line of credit is an extremely valuable business tool that most business cannot afford to be without. Lines of credit can be renewed indefinitely which is most certainly a tool used by most business owners.
The mid size and large business owner usually has multiple means to secure a business loan with or without any collateral. The smaller business person on the other hand had problems. The problems in the beginning were many as no wanted to risk loaning to a small business. The federal government started offering grants to help but this took a lot of work to get and maintain. Finally, major companies like Visa, MasterCard, and American Express saw the advantage of B2B business loans. These companies already accommodated the consumers with their charge cards. After careful consideration a plan began to help the small business person.

At the heart of commerce is a driving force called MasterCard. MasterCard enabled trade bringing insight into the payment process. B2B Business loans only seemed natural to a unique company like this. Not only would they profit by loaning to the small business person but they could place their charge machine in their business and make money in that manner as well. Today it is noted that MasterCard has business in over 210 countries. They offer rewarding, secure, and convenient payment solutions.

MasterCard developed a unique three-tiered business. The customer is always at the core of the companys strategy. It did not take long before the other charge card companies followed suit making B2B Business loans for small business a lot easier and much more convenient.

The focus became clear customers come first. The company developed a unique team that developed a unique method to provide a single point of contact which unified partnerships for mutual success and data mining capabilities. The first tier was to do with Franchisor. MasterCard through thousands of financial institutions markets a strong portfolio of brands and products worldwide. The B2B business loan for the small business now became very easy to obtain. More people wanted to go into business for themselves. The franchise companies were Maestro, Cirrus, and MasterCard PayPass.

The second part of the tier very important was the processor. MasterCards streamlined and intelligent approach to processing put the company on a worldwide scale in commerce. The speed, integration, and reliability were what the B2B Business loan for small business needed. The third tier provides industry-leading insight to solutions that made payment paying process faster, more seamless, more secure and much easier to track. The B2B business loans finally became easily accessible to the small business man. The process for the business person to get the loan was made simple and not that complicated when applying for the loan. The loan could be partially secured in some cases depending on the business persons credit. For the business person these are exciting times, a great time to go into your own business.

This article has been supplied courtesy of Bill Darken. Bill often writes for B2B Business Factoring. This site is dedicated to supplying the latest news and articles on small business factoring to assist people progressing with information and news. You can also look for small business information at small business answers. Small Business Loans are accessed at, http://loans-only.com/Othilie Blog42116
Raychel Blog34194

No Fax Payday Loans for Instant Access to Finance

People who depend on their salary are often under the pressure of arranging finance for meeting expenses just when the month has progress a bit. So they are on hunt for a payday loan. But they may not be having related documents ready at hand for showing to the lender. In that case the loan may not be in the hands of borrower in time. Timely availability of payday loans is necessary as the loan is mostly required for urgency. This is where no fax payday loans are highly useful.

No fax payday loans are offered instantly in 24 hours to the applicants. This is made possible because lenders of no fax payday loans do not ask the borrower to send loan related documents immediately through fax or by any means. This means the applicant is free of worries from arranging the documents. The documents related to salary, bank statements, employment and repayment capacity may not be available at the time of applying for the loan. So no fax payday loan is convenient.

Usually no fax payday loans are provided for very shorter repayment duration. Usually the loan is paid back when the borrower gets next paycheque. So repayment duration lasts for one or two weeks. Because of such short repayment duration, no fax loans are costly. The interest rate on no fax payday loans goes higher. Then there is lenders high fee also. Considering the loan comes at high cost, one should avail the loan only when it is unavoidable. High cost of the loan however is not a big worry for the borrower as the loan is not carried for long. Just at the time of next pay the loan gets paid back.

No fax payday loans are unsecured loans. No collateral is required to be placed with lenders. Thus the amount can be borrowed without any risks. The lenders however can ask for a post-dated cheque containing the borrowed amount and lenders fee from the borrower. At the repayment date the cheque is submitted to the borrowers bank for repayment of the loan. Another way of assuring the safe return of no fax payday loan is to look into repayment capability. Though lenders will not require you to fax the documents at the time of applying for the loan but if the lender has to verify the details he can later ask for the documents that include monthly income and employment.

Prior to applying for no fax payday loans, compare different lenders for their interest rates and fee. Select the lender who has suitable no fax payday loan offer for you. Even if you are suffering from bad credit you can apply without hesitation. All you have to do is to show your repayment capacity to the lender. But make sure that you pay off the loan in time or high interest rate and fee can be troublesome for you. It would be wise to apply online for instant approval of the loan.

No fax payday loans are highly useful for taking an instant loan just when it is required. There is higher interest rate and fee of the lender involved, so pay off the loan in time. This way you can improve your credit score as well.

Celeste Parker has been associated with Cheap payday loans. Having completed her Masters in Finance from Cranfield School of Management. She provide useful advice through her articles that have been found very useful. To find Faxless payday loans, Faxless payday loan, Faxless payday loans UK, No fax payday loans in UK visit http://www.cheappaydayloans.org.uk.Phedra Blog13829
Orelee Blog79541

White Water Rafting: An Exciting Vacation Adventure

White water rafting is an adventure that can be loads of fun. But as with any activity involving the raw power of nature, you must be prepared. Dont worry if you are a beginner. Every expert rafter had a first-time experience.

There are excellent places all over the globe for white water rafting and everyone of them is different. Even the same spot is often a completely different experience depending on the season and the weather. So, before you get in the water, its important to know your capabilities and the current conditions.

White water rafting rapids are rated in terms of difficulty.

Class 1 Beginner, Class 2 Intermediate, Class 3 Moderate, Class 4 Difficult, Class 5 Advanced

Unless you have a lot experience and know your rafting spot well, it is always a good idea to go out on the rapids with a guide. Many outfitters provide both a guide for steering at the back of the raft as well as a spotter/observer up front.

Some rafting spots have really exceptional waves and you need to navigate them on a raft equipped with a motor. An example would be Arizonas Colorado River at the Grand Canyon or the Cataract Canyon. Many of these white water rafting spots are Class 5 so you better have a guide. You are not doing the actual paddling but the excitement is still there. It all depends on what you want out of the experience.

There are other sections of the Colorado River, like Westwater Canyon or Cataract Canyon in Utah, that have rapids more suited for the novice. This is also a great way to enjoy that spectacular southwestern desert scenery.

If you want to do the paddling, these are a few examples of some excellent white water rafting spots. The Gauley River in West Virginia.... Californias America River and Kern River....the Arkansas River in Colorado....Idahos Lochsa River and Snake River...the Housatonic River in Connecticut.

You can find some more milder Class 3 rapids on the Red Deer River in Alberta. Late May or early June in Canada is when the glaciers are melting and the water is really moving fast. This is the best time to go for the most white water action. Kicking Horse River in Golden British Columbia has some great Class 4 and 5 rapids.

When you investigate and sign up with a white water rafting company, be honest about your experience level. Its not unusual for the less experienced guides to be assigned to the more experienced rafters. As a beginner or novice level rafter you will want to have the most experienced guide possible.

If white water rafting is your idea of an exciting vacation experience then by all means, go for it. But learn as much as you can about it before you go. Pick your rafting spot and your guide carefully. Learn the safety procedures if you go overboard. Be prepared and then let loose and have fun!

Peter Shannon is a writer and author of the popular http://www.1001VacationIdeas.com a Web site born out of his passion. Perhaps you have a passion or hobby that you would like to write about. Discover how to turn it into a profitable Web site like Peter has. Visit http://www.UseYourPassion.com to learn more.Ranique Blog76485
Oralia Blog42299

New Alternative to Timeshares is Changing the Industry

The Timeshare Industry may never be the same again! Years ago, when timeshare rental was in its infancy, there was good value in buying a timeshare. However, over the years, the price of timeshares has increased, as well as the maintenance fees and headaches of owning a timeshare.

Enter Global Resorts Network. This company has partnered itself with an established full-service travel agency that has been offering a private travel club membership for over 20 years. The benefits of the membership are exciting new members daily. Members have also been extremely impressed by the exceptional customer service they get. Global Resorts Network was created to handle the exclusive internet marketing of the luxury travel club.

The Global Resorts Network is an alternative to Timeshare ownership. The membership has a one-time fee to join and no recurring fees. The cost is many times less than the prohibitive cost of buying a timeshare. Not to mention not having to pay yearly fees.

The program makes 4 & 5 star resorts available to members at prices way below wholesale. Comparisons between major travel companies and the price for Global members shows tremendous savings. I personally compared many of the resorts to the big travel sites (Expedia, Hotels.com and Obitz). The savings were VERY noticeable....many with savings of $1000 - $2000 for the week!

How do they do it? The travel agency has been doing this for 20 years. They have a great amount of buying power. And due to the volume of business they can provide to the resorts, they are able to negotiate these great prices for their members.

As I researched this company I came to this conclusion about their product: If luxury travel in 4 & 5 star resorts at fantastic prices appeals to you, then purchasing a membership is a smart investment. In fact, it can pay for itself in just a few vacations! For a one-time fee, it's possible to purchase their lifetime Platinum membership. This membership can even be passed down from generation to generation for 100 years. In a nutshell, Global Resorts Network appears to offer all of the benefits of owning a timeshare, but with none of the disadvantages. Oh, by the way....unlike timeshares where you get one or maybe two weeks a year...with Global members can utilize their membership 52 weeks a year AND they get 3 gift certificates that they can give to family or friends!

Although Global Resorts Network is a relatively new company (2006), the travel agency they have partnered with has been in business about 20 years. From all of the research I did, I concluded that it looks like the best travel deal available today. Therefore, I decided to purchase one for myself. I can't wait to use it!

For more information about this Luxury Travel membership, visit: http://www.resortsnow.info

Chuck Fesperman Regan Blog50735
Rani Blog141

Making The Best Sauce To Go With The Best Raviolis

Ravioli is a type of popular pasta derived from the word Ravolgere, which means 'to wrap'. A filling in between two layers of pasta dough is the basic structure of Ravioli. A common vegetarian filling is of ricotta cheese and vegetables like spinach or nettles instead of meat. It is then delicately topped with red tomato based sauce, pesto, broth and cream based sauce.

The various versions close to Ravioli were the pastas in Medieval Europe, which were stuffed with meat, fish and vegetables or even creamy ricotta cheese. In Italy, these pastas have been found to exist even in the 14th century. Today it is available in packed frozen form all over the world. The parallels of ravioli in China is Jiaozi, in Russia the pelmeni, in Tibet it's the momo and Jewish call it Kreplachs.

Century ago pasta was commonly eaten on Fridays with vegetable based fillings. The poor who could not afford meat had it round the year. The left over meat after a treat or Sunday dinner would be used for preparing pasta. With changing time, today Italians buy readymade stuffed pasta, which is available in the supermarkets. Freshly packed pastas have a shelf life of 7 weeks. If you make your own pasta, you can use your own choice of fillings.

The best ravioli sauce makes the best ravioli. Choose your pick from the many sauce combinations:

- Toasted ravioli with red sauce
- Jumbo ravioli with marinara sauce
- Ravioli with fresh basil and tomato sauce
- Eggplant ravioli with ginger-cilantro sauce
- Cheese ravioli with crab and garlic sauce

To prepare a Ravioli the steps are:

1. Collect all ingredients and tools, which are a big mixing-bowl, a rolling pin for rolling dough, cutting board or surface to roll the dough.

2. Mix the dough. Put the ingredients in a bowl, mix well and put eggs, oil and water in the center. Mix with a fork till it is tough, then it is to be kneaded. It will become elastic, shiny and easier. Let it set for an hour.

3. Meantime prepare the filling. Brown the meat and check if it is cooked well. Take onion, celery and parsley, saut it till it is soft. Drain spinach, take the vegetables and meat, then mix in a food processor. Add eggs and mix well.

4. Get the dough, tear a chunk and flatten it with the rolling pin. Roll the dough into a thick rectangle, put small balls of fillings. Roll the pin over the dough and filling will lay on the grid formed. Paint a line with water making a checker pattern. Fold the dough and roll the rolling pin over it, which seals the dough making separate pockets. Make a pattern on the edge of each ravioli, with the help of wimped zig-zag cutting edge. Cook by boiling them till they come to the top of water.

Now, its ready to eat with a ravioli sauce of your choice.

Chris McCarthy is the founder of InsaneChicken http://www.insanechicken.com Hot Sauce Store. If you are looking for http://www.insanechicken.com/hot_sauce.html hot sauce or http://www.insanechicken.com/bbq_sauce.html bbq sauce visit InsaneChicken.comOra Blog66092
Pearla Blog74650

Bristan Bathroom Accessories

Whether you are constructing a new house or renovating the bathroom, bathroom accessories become one of the highest priorities. Today, there are numerous products from different manufacturers and all come with their own promises. As one of the most renowned product manufacturers, Bristan has many bathroom products which will definitely give a new look to your bathroom. The range of products that Bristan produces for the bathroom is simply amazing. Starting from the Chill Toilet roll holder to the Chill Glass safe, you can buy everything need for your bathroom. Let us try to see some specific products which are the necessity for every bathroom.

The first product that I would like to review is the Bristan Chill Toilet Roll Holder. The price of the product is approximately 16. It is chrome plated and comes with a five year guarantee that protects against any manufacturing defects. Though it is a small, it is also a very useful product. There will be a shipping charge associated with the product if you plan on buying from an online store, but sometimes they will waive the fee depending on the total value of the products you buy. Hence it is suggested that you bundle it along with some more products if you are buying from the same online shop. Renowned online retailers have a wide range of products which can be used for a complete makeover of your bathroom.

Another important bathroom accessory is the soap dispenser. Bristan offers the Aqueous wall mounted frosted glass soap dispenser. Priced at 30, it will make a great addition to your bathroom. This product is elegant and you should definitely consider it for your bathroom. As usual the product is chrome plated and comes with a five year guarantee against any manufacturing defects.

There are other products also such as the Towel Ring, Towel Rail and Aqueous mirror with lighting from Bristan. These products are extremely useful but you should be careful in choosing your accessories. If you buy too many products, your bathroom may be over-accessorized. It is important that you create a list of all the products that you need and start browsing. It is not necessary that you get everything in one store. Hence spend sometime with your bathroom accessory shopping because you are definitely not going to change your bathroom everyday.

It is advisable that you always check out online stores because the range of products that you will get is much more than what may be available in standard hardware, plus, you will have the option of finding all your needs at one place. Just logon to your favorite site and start filling up your basket.

Darren Dunner is the author of this article on Bristan Bathroom Accessories. Find more information about the subject at http://www.buyplumbing.co.ukRene Blog2399
Raphaela Blog52325

Luxury Hotels In Spain

So you are traveling to Spain and planning to visit Barcelona while you are there, but the thought of staying in a noisy, busy, city centre hotel leaves you cold? Dont worry, there are other options when it comes to Barcelona hotels, and the following couple of suggestions should make for a mush more relaxed trip.

The first suggestion is to try one of the superb four star hotels at the Port Aventura theme park, only a short distance outside the centre, rather than a hotel in Barcelona city itself. It is possible to get a dedicated transfer from Barcelonas main airport, directly to the theme park, which will drop you right outside your hotel. Of course, you can always hire a car and drive yourself to the theme park, and if you do, remember that Europcar have special arrangements with the Port Aventura hotels to ensure you get the best deal.

The four hotels available each have their own particular character and are decorated and furnished to a very high level. Whichever you choose you will be guaranteed a luxurious visit. If you are looking for classic Mediterranean style you might try the Portaventura hotel, whilst for something a little different, the El Paso hotel has a Mexican theme. If you are after sheer indulgence and the chance to sunbath by the pool on pure white sand, The Hotel Caribe is for you.

As well as bed and breakfast, the very reasonable prices charged by the Port Aventura hotels also include entrance to the theme park and the Caribe Aquatic Centre. Even during the summer months, an expensive period for all hotels in Spain, a night in the hotel with two days in the theme park is just over two hundred euros for a single, and less than one hundred and fifty per person for a double. To reduce the cost even further, you can have a room for up to four people. Out of season, when it is still possible to enjoy good weather in this region, two people could pay less than one hundred euros.

If you want to be a little closer to Barcelona city centre, but are still looking for a luxurious option, away from the crowds of La Rambla, you should check into the Arts Hotle, which offers an incredible sea front location with views over the whole Marina and port area. This is a place to really be pampered, and any of the spacious rooms, suites or split-level apartments, offer an uneatable standard of accommodation. The real gem in this hotel is the Goyescas restaurant, were the extensive menu includes local specialties as well as international cuisine. If you are having trouble deciding between the mouthwatering dishes, a recommendation from the friendly staff may help you make up you mind. They will even tell you the perfect wine to accompany your meal.

So as you can see, it is perfectly possible to enjoy the cultural and historical sights of Barcelona, without having to stay right in the bustling city centre. After a hard days sightseeing you return to a calm relaxing oasis, just a short ride away.

Jack Blacksmith frequently publishes publications on ideas dealing with holiday and travel. You can learn about his writings over at http://www.barcelona-information.com/barcelona-hotels.html and different sources for Barcelona Hotels information.Rheba Blog40901
Remy Blog58867

Traveling Back Home

The time has come to leave the place you have been living for the some time now and travel back home. Whether you have finished a degree or your job placement abroad was just terminated, the process of having to pack everything up and transfer them and yourself to your old room back home is never easy.

Being a graduate student in a foreign country for the last couple of years, I have found myself, more frequently that I would like to admit, to miss my old room, my mother's cooking, my father's advice, my cat sleeping on my lap, my house. From the furniture to that movie I have stored somewhere in the living room, my house "smells" familiar everywhere I decide to look when I visit my home-country. Needless to say, when time comes for me to leave again, although I am excited to come back to my beloved apartment here in the "other" land, something seems impossible for me to leave behind; the memories of where I grew up.

Everything I do now I love doing. I so lucky that I am not anywhere I do not wish to be nor do I suffer from being homesick that often. I am just concerned with the fact that although I love my parent's house and I am always unhappy that I will not be able to see them anytime soon, I have come to a "weird" realization. My life now goes forward in another country. I am not feeling trapped or unable to do otherwise. I really enjoy the time I am spending in this foreign country and I will dare to admit that it has somehow become my "new" cherished home. My apartment, my friends, my truly incredible professors, my studies, my happy or unhappy memories, everything has made me evolve and become the person my folks see whenever I visit the house I grew up. Whether I want to admit to myself or not, the only thing that I miss is people. Friends or family would be silly for me to think that I can replace, but the things that I once seemed to cherish so, have already been replaced in my heart. I would love to have my CD collection available, or my beautiful couch to sit on and watch a movie, but regardless of their presence I will continue having a wonderful time and experiencing life as I should.

What I am trying to say is the following. Although we tend to associate our home with the house we grew up in, which in many cases is where our parents still live, home is actually where our hearts belong. Perhaps in another graduate student's case, home would actually be another house, country, or continent, but for me, I recently realized, home is where my mind travels when it wants to think of something relaxing. The last three times that happened, home was my "new" place. Hopefully, by the time I will have to go back, I will be glad I experienced my stay here in such a positive way. I wish you all the same.

Kadence Buchanan writes articles for http://4homelife.net/ - In addition, Kedence also writes articles for http://itsfamilytime.net/ and http://letsdosomeyardwork.com/Rasia Blog11948
Peri Blog57946

Your Greatest Asset

Your greatest asset is your own customer list. These people have already purchased something from you in the past. If you've delivered as satisfactory product, they are very likely to buy from you again.

The easiest sale you'll ever make is to an already established customer of yours. They already trust you. They feel comfortable in dealing with you. You've delivered what you said you would so a certain degree of trust has already been established. Your customers are probably quite confident that you wouldn't sell them something that wasn't in their best interest.

The high road to increased profits always takes the route of established customers. There's always an expense associated with finding a new customer. Regardless of the marketing method used there's always an investment required in establishing a customer whether in terms of real dollars or human capital. Once you have a customer, any subsequent sale is made without the cost of locating that customer. The cost or finding a new customer is proportionally much higher than the cost of retaining an existing customer.

Keys To Success

The secret of capitalizing on your customer base is to continually feed them with new products and services you know they'll want. This is no time to diversify into completely new areas. Everything that you make available to your customer list must be compatible with what made those people customers to begin with.

Whatever subsequent products and services you offer must be related in some way. Think of your customers as belonging to a specific group. They're gardeners or small business owners or health enthusiasts. Whatever you offer must fit that product niche.

Always be on the lookout for new things you think your customers would gladly pay for. And give customers first crack at any of these new products and services. If you can offer a discount, that's even better. By letting them in on new products and services, you're giving them priority customer status, an added value of doing business with your firm.

Be careful not to overdo it. You don't want to annoy anyone, least of all your customers. Allow enough time and space between customer contacts. How much time you allow between mailings or calls depends on the nature of your business.

Examples

When a clothing store receives a shipment of new designs, they should first notify all previous customers who've purchased in the same price range. All the store has to do is contact these customers by phone or by mailing invitations to a special event where this new line is unveiled. Suggest to customers how additional new outfits can be created by mixing and matching and you've provided an extra service that will help retain customers.

This approach would seem natural for a wholesaler who relies on distributors or retailers to act as re-sellers. By showing your new merchandise and suggesting ways to move more of it, you're providing a valuable service while keeping in touch with your customers.

A self-published author of book on camping tips, should come up with natural additions to his product line to sell to buyers of his book. Things like maps of parks, local facilities, lists of "must-see sites" or specialty camping equipment, could all be add-ons made available to the author's buyers.

One final note; in order to start making more sales and build your business empire you must become an avid student of lead generation and marketing strategy the high-payoff items necessary for you to magnetically attact new clients to skyrocket your profits.

Copyright (c) 2007 Joe Heller

Joe Heller, PresidentPhillida Blog16975
Rebecca Blog9051

Mercedes Blue: New Diesels Miss the Mark

Mercedes is feeling a little bit blue lately, but who can blame them? California, New York, Massachusetts, Vermont, and Maine say that their new generation of BLUETEC diesel aspirated engines don't do enough to reduce harmful pollutants. Effectively, 20 percent of the market will be shut out when these new models debut over the coming months.

Mercedes-Benz has long been an expert builder of diesel engines, producing hundreds of thousands of the alternate-fuel driven power plants every year. Indeed, in Europe alone, a significant portion of the vehicles destined for continental homes are diesel aspirated models. In the U.S., however, Mercedes is having a bit of a problem with its line of diesel engines as more stringent emission control standards makes the marketing of diesel powered cars more difficult. Starting this fall Mercedes will be introducing its all new E320 Bluetec diesel powered car that meets EPA standards; unfortunately, five states will not permit the sale of these models leaving parent DaimlerChrysler feeling a little bit blue.

You have to hand it to Mercedes and to other automakers that are trying to produce fuel efficient cars but are facing increasingly more difficult emissions restrictions in the U.S. It is one thing when the Environmental Protection Agency {EPA} raises pollution standards, but a whole nuther thing when individual states seek to raise that standard higher. California, for instance, has long stood on its own requiring automakers to produce cars that met pollution standards that are tougher than the other 49 states requirements. Recently, New York, Vermont, Maine, and Massachusetts joined in and now require the same tough standards as the Golden State.

In effect the new standards mean that nearly 1 in 5 motorists will not be able to buy a diesel powered Mercedes and not because they cannot afford one but because their state government told them that the cars cannot be sold in their state.

Of course, there isnt anything wrong with tough emissions controls. However, in light of very high fuel prices are we closing the door on potential fuel savings all in the name for a slight reduction in emissions? As a country of states rights, the five states can supersede federal emissions requirements. Nevertheless, each state already taxes their citizens greatly and the additional imposition on them doesnt seem to be quite fair.

Although Mercedes is affected by these requirements they arent alone. In fact, Mercedes powered diesel engines are some of the most advanced engines in the world. If Mercedes cant meet stringent U.S. emissions standards then there is virtually no hope that others will be able to do so either.

As much as the new diesel requirements are tough, they are causing engine manufacturers to study ways to further reduce emissions. Volkswagen, Navistar, Cummins, and others who build diesel engines are continuing with research to find ways to eliminate more pollutants. Perhaps the answer is for leading diesel manufacturers to work together to resolve a problem that could be too expensive to resolve on their own. If they dont then Mercedes will not be the only automaker crying the blues.

Copyright 2006 Matthew C. Keegan is a freelance automotive writer covering products from the Tornado Gas Saver:Ora Blog57506
Pippy Blog34884

A Vacation For A Family Of Three To Montego Bay At The Coyaba Beach Resort

The Coyaba Beach Resort is not only one of the best resorts in Montego Bay, but also in the whole of Jamaica. In fact in my opinion one of the best small luxury resorts in the Caribbean.

We were looking for a cheap Montego Bay package, and a vacation for a family of three to Montego Bay, and The Coyaba Beach Resort more than filled the bill.

Our daughter is only eight and so we needed a decent size room which we certainly got at Coyaba. The room was very spacious with two large beds, overlooking the beach. We were on the third floor, with good views, but heard that the first floor had a lot of traffic noise from the road. It rained on one of the days we were there, and the TV wasnt great, but we were able to get a video for our daughter.

We managed to find what was called a cheap Montego Bay Vacation package, pay for four nights and get the fifth one free, and that made it a good deal especially as it was all inclusive.

Anyway the room was good, but the fridge wasnt stocked unless we asked room service. The same was true for things like shampoo and shower gel, although to be fair, when we called, they arrived quickly.

The pool area was nice, and we didnt struggle at all for sun beds even although the resort was pretty full. There was however a mysterious shortage of towels and something called beach towel cards which were quite frustrating. Waiter service around the pool was almost non existent, unless the pool area was quiet.

The beach looks great from the photos, but it is definitely a man made beach.

There really wasnt anything for my daughter to do, but she tends to want to be with us, so that wasnt a problem, although the lack of choice of food at lunch time for her could have been a problem, lucky she likes burgers!!

The breakfast eggs were good and the chicken and pork dishes at dinner.

Overall we enjoyed our stay at the Coyaba Beach Resort. I cant really say it is the best Montego Bay Resort, but it is small, relatively intimate, and privately owned. It can justify being one of the top small luxury resorts in the Caribbean, but Im not sure I would have been so happy had we paid the full price, but it was OK for a vacation for a family of three to Montego Bay

Lucy Tucker writes exclusively for http://www.worldwidevacationspots.com and he has in depth knowledge of the places she writes about, and recommends checking out http://www.in-kenyasafari.com as well.Polly Blog8683
Orelle Blog13992

Your Cruise Vacation - Cruise Ship Embarkation Procedures For Cruise Travel

The Cruise vacation you have been planning for a year is now a reality. You've packed your bags with the appropriate clothes for cruise travel. You have filled out all of the cruise documentation, do this at home, don't wait to get to your cruise ship, and now you are ready for this highly anticipated cruise. There are a few cruises tips about embarkation day that you should know before you head for your cruise vacation.

Keep all of your documents with you, that includes tickets for the cruise, any vouchers, passport and any immigration forms that the cruise line has sent you. That includes bus vouchers from the cruise line that will deliver you to the ship from the airport. In is wise to pack a change of clothes in your carry on in case your baggage gets delayed. If you have purchased the vouchers from the cruise line, a cruise line representative will meet you at baggage claim and take you to the bus or van that will transport you to your cruise ship.

If you decided to handle the transfer on your own, check ahead of time to find out how much a taxi will cost from the airport to the pier. It is good to know how long it will take to make the transfer so you have timed your flights accordingly. Make sure you have attached your cruise line tags with ship name, cruising date, and stateroom number. When you arrive at the pier a porter will relieve of your bags. He will expect to be tipped. The going fare is one dollar per bag.

Cruise tips are always helpful so pay attention to this one. Let the cruise line make your airline reservations. The reason for this is that if your flight is delayed the cruise line will handle it. If there are several other passengers on the same flight the cruise line will delay the departure of the ship. If it's just you and your traveling companion they will probably put you up in a hotel in the town of your embarkation and get you on the ship at the next port of call. If you opted to do it on your own, you will have to make all those arrangements. So, for safety and peace of mind let the cruise lines do it.

If you have decided to go to the town of embarkation a few days before the cruise, that will not be a problem, so make your own reservations. Some travel insurance companies will pick up these expenses but make sure you read the fine print on the policy BEFORE your cruise vacation.

When you get to your cruise ship, embarkation could be a little chaotic. There will be lines, especially early in the check in process. There will be a lot of stressed out people so just relax and take it in stride. After you have gone through the check in process you will be aboard and your cruise vacations begins. Here is where it pays to have all of your documentation completely filled out. Many of the cruise lines have loyalty programs so if you are a repeat cruiser many times they have preferred check in areas. Many of the cruise lines will have preferred check in for cruisers who have booked suites or mini suites. Check this out with your cruise travel agent.

This is a little off topic but it's one of the best cruise tips you will hear. Use a cruise travel agent for all of your cruise travel. It is important to deal with an agent that has sailed on many different cruise lines so they can give you an honest opinion on the difference between cruise lines. Check and see if they are CLIA certified cruise lines organization. Be careful they don't push you onto cruise ships where they have preferred status which means they get a higher commission. Scour the internet for cruise reviews on cruise travel to back up what your travel agent is telling you.

Now back to the pier. While you are checking in you will have to give the cruise line a credit card for any on board charges. Most times your room card is also your credit card and identification for getting on and off at ports while on the cruise ship. If you can get on the ship early in the process you get two benefits. One you get to have lunch and two you get the first shot at spa and beauty appointments. It will also give you time to peruse your cruise ship and then head for the pool. Having been a savvy cruise traveler you knew to bag a bathing suit into your carry on luggage.

Just before you get to the gangway you will be stopped by the ships photographer and a picture will be taken to commemorate your cruise vacation. It will be on display in the ships photo gallery but you are under no obligation to purchase it. Check in procedures will be different from ship to ship even within the same cruise lines. It depends on the experience of the staff and the cooperation of the passengers. Remember that these folks that are checking you in have been working since seven o'clock in the morning off loading the people from last weeks cruise vacation. Then they turn around and start putting on a whole new set of passengers for the next cruise.

The most important advice is to try to keep a cool head. You are headed for the best thing you can imagine, a cruise vacation.

Happy Cruising!

Copyright © Mary Hanna, All Rights Reserved.

This article may be distributed freely on your website and in your ezines, as long as this entire article, copyright notice, links and the resource box are unchanged.

Mary Hanna has traveled the world by Air and Ship while writing eBooks, Software Reviews and Practical Articles on Internet Marketing, Cruising, Gardening and Cooking. Visit her websites at: http://www.CruiseGold.com http://www.CruiseTravelDirectory.com and http://www.CruisingTips.com

Mary Hanna has traveled the world by Air and Ship while writing eBooks, Software Reviews and Practical Articles on Internet Marketing, Cruising, Gardening and Cooking. Visit her websites at: http://www.CruiseGold.com http://www.CruiseTravelDirectory.com and http://www.CruisingTips.com Onida Blog68778
Orelee Blog79541

Consolidate Private Student Loans - 4 Benefits You Can't Ignore

Consolidate private student loans into one manageable loan. Instead of trying to juggle multiple private student loans, why not lump them together and make it easier to manage each month? When you consolidate your private student loans, you replace all of your outstanding private loans with one large private student loan. Sounds like a lot of work? Not really. In fact it's easy and here are the benefits that you'll enjoy.

The key benefit when you consolidate private student loans is lower monthly payments. Instead of making multiple monthly payments on different loans, you would have only one monthly payment. That one monthly payment will be less than the total amount of payments of all the other loans combined. Frankly, this is the time when you need your money the most - for rent, furniture, buying a house or car, getting married, starting a family...

By lumping your private student loans into one loan, you make repayment much more convenient. You get to deal with only one lender and that reduces the risk of forgetting about or missing payments. There's much less paperwork to worry about and you don't have to juggle a bunch of different due dates.

Consolidating your private student loans provides you the opportunity to get a lower interest rate and that saves you money. Lower interest charges help to offset the cost of lowering your monthly payment. So in the end, you can have lower monthly payments without extending your loan as far as you would have.

One of the added benefits of consolidating your private student loans is you can improve your credit score. When you receive a consolidation loan, the funds are used to pay off all of the loans being consolidated. So, in effect, you have just successfully paid off multiple loans - on time or early. And that goes a long way to improving your credit score.

So how exactly does that benefit you? Remember, the house or car you want to buy? That's going to take a mortgage or car loan. A better credit score means you pay less interest and that saves you money. In the case of a mortgage, it can mean thousands or even tens of thousands of dollars in savings.

If you want to lower your monthly payments, make them more convenient by dealing with only one loan and get a lower interest rate, you should consolidate private student loans. It not only helps keep your money at a time when you need it but it helps you improve your chances of saving more money on future loans.

Thomas Erikson is co-founder of http://www.your-debt-consolidation-loan.com which provides student loan consolidation information and solutions.Paulie Blog58986
Petronille Blog91828

Tips for Writing Effective Interview Thank You Letters

Youve just finished interviewing for your dream job. Theres nothing more you can do than wait for the phone to ring, right? Wrong. To really increase your chances of getting a job offer, you need to follow up with an effective interview thank you letter. If written correctly, an effective interview thank you letter can be used to separate you from your competition.

Remember, the main point of sending a thank you letter after an interview is help you to stand out in the eyes of an employer. Most of your competition wont take the time to send a thank you letter. Those that do wont write an effective thank you letter that sells them to an employer.

Key Points to Consider

Here are some key points to consider when developing your post interview thank you letter:

Write a thank you letter to each person you met with
Send your thank you letter as soon as possible - the day of or the day after the interview
To ensure a timely delivery, e-mail your thank you letter, if possible
Ask for business cards from each person you meet with during your interview to gather the appropriate e-mail addresses to use with your thank you letters

What to Include in Your Post Interview Thank You Letter

As youre writing your thank you letter, be sure to incorporate the following:

Keep your thank you letter to no more than one page
Start by thanking the interviewer for meeting with you
Express your interest in the position
Identify your strongest selling points and reiterate them in your thank you letter
Cover any key points you forgot to mention in the interview, but know would increase your chances of receiving a job offer
Close by again thanking the interviewer for their time, expressing your interest in the position, and indicating you hope to hear from them soon

Interview thank you letters can gain you job offers by giving you one more opportunity to present your strongest selling points to a potential employers as well as an opportunity to present important information you forgot to mention during the interview. Take the time to write a thank you letter after your interview to help you land your dream job.

Ann Hackett is the founder of Sample Resume Zone http://www.sampleresumezone.com. Go to Sample Resume Zone to view an effective interview thank you letter http://www.sampleresumezone.com/job_search_help/interview_thank_you_letter.htm or 25+ sample resumes http://www.sampleresumezone.com/sample_resume_examples.htmPiper Blog2078
Phyllys Blog97517

Tips on Buying Your Next Car

When shopping for a car, new or used, start by asking yourself a few questions:

How many miles will you be putting on the car weekly?
What are the mpg ratings for the cars you are considering?
How will the car primarily be usedtaking kids to soccer, commuting to work?
What features do you need/want (air conditioning, CD player, anti-lock brakes)?
How large of a car loan can you afford?
How much of a monthly payment can you handle?
How much do you have for a down payment (cash or trade-in)?

Check the online car sites to find out the current pricing, safety records and other information on the makes and models you are interested in buying.

Get your financing first

Getting your auto loan first lets you know how much money you have to work with and sets a realistic focus on the car buying process. Another benefit of having financing in hand before visiting the dealership is that it will keep you out of their high-pressure finance departments.

The Annual Percentage Rate (APR) you will be charged on your car loan will depend on your credit history and FICO score. Other variables include current interest rates, market conditions and any special financial promotions being offered by dealers or manufacturers on the car you are buying.

The difference between the interest rate on a new car loan and a used car loan doesnt vary that much because used vehicles dont depreciate as quickly as newer models. This makes them better short-term collateral for the lender.

A good place to get a free car loan quote is http://www.fastcarfinance.com. Their no-obligation online application will let you now how much you are qualified to borrow.

If you are buying new

Buying new gives you a new-car warranty that lasts for years. It also gives you more control over optional features, and, if you buy the right vehicle, it will have greater resale value down the road.

Shop around to get the best possible price by comparing models and prices in ads and at dealer showrooms. You also may want to contact car-buying services and broker-buying services to make comparisons. Consider ordering your new car if you do not see what you want on the lot.

Negotiate on price. Dealers may be willing to bargain on their profit margin, often between 10 and 20 percent. Usually, this is the difference between the manufacturers suggested retail price (MSRP) and the invoice price.

If you are buying used

A good used car should last longer than your loan. According to The U.S. Department of Transportation, the average life span of a vehicle is 13 years, with final mileage around 145,000.

If youre shopping for a used car at a dealership, ask for a conditioning report in addition to having your own mechanic check it out. You can also order the vehicles history report from an online service like CarFax or AutoCheck.

If you are buying from a private party, you will want to ask:
How long have you owned the vehicle?
Has the vehicle been in an accident or repainted?
When are the next state inspection and emissions tests due?
How often has the oil and filter been changed?
Why are you selling the vehicle?

Mike Hamel is the author of several articles about mortgage and auto financing. His material is featured on sites like http://www.1-800-bar-none.comPhilly Blog49690
Rhodie Blog49571

India Your Global Home for Medical Tourism

Standardization has become vital in the medical world. Professional organizations, non-governmental agencies, and other international institutions work to make sure that medical training, practices and medical equipments are standardized around the world. Medications from prescription drugs to anesthesia are globally available.

Medical tourism is taking advantage of this standardization. Doctors from the developing countries - many of whom have been trained in the US, Canada or UK or a member of any international medical association assure their patients that they will get the same quality treatment as they would get at home, if not better.

India is the most sought after medical tourism destination in the world and much of the credit goes to the Indian doctors on account of their global knowledge on hospital management. India offers characteristically high level of medical tourism, which means that patients coming from abroad enjoy medical care and experiences that are higher than or comparable to standards in their home countries. Another attraction, which drives patients to India, is low-cost treatment. It is estimated that treatment costs in India start at around a tenth of the price of analogous procedures in the United States or UK. Most of the Indian doctors are well educated or practiced in the West; so they are expert in their fields. In many of the developed countries people have to wait for a long period to undergo any sort of surgery. Hence, these countries have developed links with India for fast and low cost treatment for their nationals. The Indian Government has also committed some incentives like fast-track visa for foreign patients.

For patients who are reluctant to travel abroad for treatment, getting a package deal online with various medical tourism service providers would not be a bad idea. This allows you to calculate how much you can save if you get your treatment done in India. No costs are incurred for getting a quote or medical advise over email.

India is developing herself into a competitive market in medical tourism and many experts credit this expansion to its global scope. Indian medical facilities are designed to meet the expectations of world-class tourism. No wonder, medical tourism in India is basking in glorious sunshine today!

Sam D'Costa is well known professional in Online Marketing and web promotions.Olympie Blog27420
Priscella Blog53647

When The Effects Of Jetlag Leave You Feeling Left Behind

The disorientation of the body is referred to as jet lag and it is nothing but the consequence of the crossing time zones. It affects the individuals complete internal setup along with his physical condition. People who travel a long distance at a stretch experience this condition and this situation sometimes affects the business of business people. Some common symptoms of jet lag are uneasiness, loss of drive, fatigues, inability to concentrate due to lack of sleep, headache and irritation.

Usually, the severity of jet lag depends upon the direction of the travel. Some experts say that the occurrence of jet lag to people is more during their travel in the eastern direction. This is due to the rhythm of the body extending up to 27 hours during the travel of a person in westward direction. The body is able to adjust to the changes in the environment.

There is something called "circadian rhythm" which is greater than 24 hours for people traveling westwards. This is due to the lengthening of the time of the day giving more time for a persons body to adapt. We cannot have a quick change over from this situation, but can bring ourselves back to normal condition later. Plan ahead and see to it that you are able to cope up with such new bodily changes.

Here are some tips for you to overcome jet lag

-Jet lags can be coped up with natural lights. Hence staying outside during day time is preferred for the body to adjust quickly and get accustomed to the new surroundings.

-Adjustment in their bedtime schedule can prevent the severity of jet lag and in turn the body also will be able to cope up with the change in time setting.

-To start eating and sleeping according to the timing of the new surrounding would help for a better recovery from the condition.

-Business people and athletes who have to keep up their time can go to their destinations ahead of time in order to have some extra time for any adjustments.

There is nothing much to worry about jet lag since it is just the adjustment of the body to the new surroundings for a better experience. Taking proper measures to prevent such unpleasant situations during travel will ensure a pleasant journey. Taking proper rest and having proper food will definitely help you to come out of such jet lag and adjust to the new environmental conditions.

Cathy Peterson writes about http://www.traveldealsdiscounts.com ,http://www.traveldealsdiscounts.com/discount-travel-deals/Site59.com/ and http://www.traveldealsdiscounts.com/discount-travel-deals/Travelocity.com.Pam Blog97130
Pia Blog37609

Getting A New Shih Tzu Puppy To Tolerate Grooming

All Shih Tzu puppies need to learn to tolerate grooming at an early age. Grooming your Shih Tzu is more than cosmetic. A matted Shih Tzu is uncomfortable and subject to skin irritations and infections.

Unclipped toenails will grow and curve, distorting the Shih Tzus foot to the point of crippling. Dirty ears can become infected and induce pain-related aggression and/or hearing loss. Lack of grooming can cause a Shih Tzu serious discomfort.

Shih Tzu is not born with warm feelings toward being groomed. A Shih Tzu needs to learn to enjoy grooming. This is easiest if started sooner, rather than later. In time, your Shih Tzu will learn to love the extra attention it receives while being groomed.

Allow your new Shih Tzu puppy a couple of days to settle in to his new home and family routine. Take the first few days to familiarize all family members with the new Shih Tzu puppys housetraining, feeding and crating routines, and to establish basic house rules.

During this time start preparing your new Shih Tzu puppy for grooming by practicing positive association touching exercises. You will need a container of treats. You can do the touching exercises in any order, several times a day, and repeat each one a half-dozen times before moving on to the next one. Try the following exercises in five- to 10-minute sessions.

10 Positive Association Touching Exercises:

1. Scratch your Shih Tzu puppy under the chin, and then feed it a tiny treat from your other hand.
2. Touch each paw, and then feed the Shih Tzu puppy a treat from your other hand.
3. Rub each ear. Feed your Shih Tzu puppy a treat after each rub.
4. Stroke your Shih Tzu puppys back, then offer a treat.
5. Run your hand down your Shih Tzu puppys tail, squeezing softly, then feed your pup a treat.
6. Slip one hand under the Shih Tzu puppys chest and lift gently, and then feed your Shih Tzu puppy a treat.
7. Lift each paw, and feed a treat after each lift.
8. Massage each hind leg from hip to knee, and feed a treat after each leg.
9. Slide your hand from each shoulder to the ankle, and feed a treat after each.
10. Run your fingers over your Shih Tzu puppys face, cheeks and muzzle, and feed your Shih Tzu puppy a treat.

This article is FREE to publish with resource box.

Connie Limon is a Shih Tzu breeder. She publishes a FREE weekly newsletter with a focus upon health and wellness for you and your pets. Sign up at: http://www.stainglassshihtzus.com Visit Camelot Articles http://www.camelotarticles.comRita Blog55812
Rachael Blog31758