Archive for October, 2008
Certainly you’ve been keeping up with the news as I have and have seen the dire prognostications about real estate. “The housing market is dead”. “US real estate market tanks by largest percentage ever”.
Those are just a small taste I’ve read about property especially here in the within US borders.
It’s a real shame for thousands of people who had adjustable rate mortgages, have now lost their jobs or had their payments skyrocket to a level where they may as well have lost their jobs, and are now facing foreclosure gavel and the auctioning off of their property at the County Court House.
This is a tragic situation brought on by poor lending standards and bankers operating under a casino mentality.
But the silver lining is… as a real estate investor you are going to have the most massive opportunities for picking up dirt cheap assets both houses and commercial real estate properties over the next five years than you have had in the last 50 years.
To sum up this whole economic and credit crisis it is little more than a wealth transfer by big bankers and the powers that be. The middle class is being financially killed off and an super wealthy class is forming as well as the other side of the coin the ultra-poor downtrodden class.
So which side of the coin do you want to be on?
You can see this situation for what it really is and take advantage of the massive opportunities out there, or you can believe all the naysayers and doomsday prognosticators, throw your hands in the air, and look up five years from now and see those select few real estate investors who took advantage of this and made their dreams come true while your life is still the same and probably even worse because of inflation.
The choice is yours and the time to act is now.
Mortgages and other lines of credit will of course be hard to acquire. But since you’re a real estate investor you have other tools at your disposal and creative ways where you can buy properties.
Hopefully, you already set up some partnerships and private cash investors and some potential hard money lenders. Also you’ll want to make very judicious use of owner financing type strategies and options letting your sellers finance the purchase of your investment properties for you.
One a really excellent partnership is having a local realtor. local MLS partnership
Another great resource are classified ads both define properties you can buy and also to find buyers for properties you want to sell. Finding Classified Properties Online
This is going to be an amazing time of opportunity where you can do owner financing type deals (meaning the bring cash to payoff the loan balance and you simply start making payments directly to their mortgage company but still get ownership of property) because there are going to be more extremely needing to sell sellers willing to be flexible and accept these types of terms. Up until 2005 and 2006 these type of deals were very difficult to get.
So bone up on your creative purchase strategies. Now is the time to act.
Are you afraid someone you know may be developing a problem with alcohol? This is a crucial time, and time is of the essence. Make sure that you approach the issue gently; research some methods of approach before you begin talking with your loved one. Addiction is a disease that keeps the addict in a state of denial, and they may be resistant to your efforts to help them. You cannot force them to seek help such as Alcohol Rehab, but being sensitive to their plight may just make a difference in saving their lives.
Alcoholism and addiction affects the whole family system and proper help will serve you to better understand these addiction issues. Substance abuse & drug and alcohol addiction involves ingesting or administering harmful substances to our bodies. It can be expected that the continued use of these substances will have negative effects on our bodies. For alcoholism, there are short and long term effects, both of which can be life threatening. Some long term effects include increased susceptibility to liver cirrhosis, liver cancer, and other life threatening diseases.
The Medical Council on alcoholism defines alcohol dependence as the reliance on alcohol intake such as its withdrawal leads to physiological discomfort and/or physical disorders. The mainstay of treatment for alcoholism is abstinence. This may be easier said than done. Domestic arguments may become more serious and frequent. There may be altercations or worse.
Over the past 20 years the admission of alcohol treatment departments in psychiatric hospitals has increased 25 fold. Approximately 1 in 5 male admissions to acute medical wards is directly or indirectly attributed to alcohol abuse.
Remember to always seek Professional Medical care and guidence before following any medical advise.
Most bathroom fixtures are mounted directly on the sink or on the counter directly behind the sink. There is also the option of wall mounting. Bathroom faucets are available in brass, chrome, porcelain, various colors of plastic and ceramic as well as nickel and stone. Because these are used on a daily basis, we encourage you to purchase the highest-quality faucets available in your price range. A quality bathroom faucet will cost you less in the long run because it won’t need much maintenance and will look good for years.
Bathroom faucets are the culprits of much water waste. Luckily, you can easily save water by installing a new lavatory faucet with a water-saving aerator. Most kitchen and bathroom faucets are made of brass, containing between 3 and 10 % lead. This makes them a significant source of lead in drinking water. So unusual in both form and hue, the Teo bathroom faucets are an exciting option for those who enjoy exploring design with a splash of color.
Bathtubs are now available in a range of styles and colors so it is no longer necessary to only consider installing a bath in the traditional white finish. Think about purchasing a bathtub in either a softly muted shade or, for the more adventurous, a bold striking color. Fortunately, walk in bathtubs are available to make bathing safer and more comfortable. Many whirlpool tubs are of superior quality.
Acrylic clawfoot tubs are available in the same styles as cast iron clawfoot tubs, but weigh much less. They offer the same durability and easy care. Drain the water in the supply tubes into a bucket or bowl. Remove the locknuts and the washers on both tailpieces, then lift out the faucet.
Nearly all homes contain at least one bathtub, even if they have a separate whirlpool. Some homes have several. Compression molding is used to make both plastic and fiber reinforced bathtubs. For reinforced bathtubs, a mixture of fibers, polyester resin, and pigments, fillers, and other additives are mixed together and formed into a sheet. These tubs generally cover about 5 feet along one wall, 4 feet along the other, and extend 3 to 5 feet out into the room.
Custom Golf Clubs are, by definition, designed to the specifics of each golfer unlike off-the-shelf clubs. They not only help improve YOUR game but they cost a fraction of name brand off-the-shelf sets with no reduction in quality or technology. Typical irons and drivers are not just for the professional or highly skilled player, including left handed golf clubs. All golfers can benefit greatly from clubs that are fit precisely to the correct specifications of the individual golfer. Custom golf clubs are not just for the professional or highly skilled player. All golfers can benefit greatly from clubs that are fit precisely to the correct specifications of the individual golfer.
Moreover, custom golf clubs are a huge investment, both financially and in your game. You will want to make sure the fitting is correct. They are the answer for the golfer looking to improve his game, at a reasonable price. If you are looking to improve your game, then these types of irons are a necessity for any golfer, whether an amateur or an expert. Regardless of a golfer’s skill level, his or her game will be drastically improved by using quality golf clubs.
The bottom line, custom golf clubs are great for any golfer that is looking for the optimum performance from his or her game. They are measured and fit to the specifications that you need for your personal game. These are the ultimate in golf clubs if you are golfer. If you are thinking of buying custom golf clubs, you must be prepared to do your research first – the result will be an improved game with significant cost savings.
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