A Guide to Buying a Property in Romania

Overview

Prior to 1990, nearly all of the real estate located in Romania was owned by the state. This real estate was owned either directly by the government or by state owned entities. With the overthrow of the Communist regime in that country, there has been a slow and somewhat plodding liberalization of the real estate laws within the country.

The years under dictatorial control left Romanian in worse economic shape that any other Eastern European nation. In addition, unlike some other countries from the Soviet Bloc, Romania has been slow in digging out for years of repression and economic mismanagement. With that said, there is some light at the end of the tunnel that likely will result in more foreign nationals taking a second look at investing in Romania.

In 2007, Romania will join the European Union. It is expected that when this occurs, the real estate laws within Romania will move in a direction to make them more in line with the real estate laws in other EU nations

Investment Property in Romania

At the present time, individual foreign nationals cannot buy and own real estate in the country. In point of fact, foreign nationals cannot even inherit and then take title to real estate situated in that country. The only manner in which a foreign national can invest in real estate in Romania is through a duly established corporation or limited liability company that is established under the statutes and regulations of Romania.

Residential Real Estate in Romania - Single Family Properties

For the most part, there is no foreign ownership of single family dwellings in Romania at this point in time. Because the only manner in which foreign nationals can take title to and own real estate in Romania is through a corporation or limited liability company, there are very few enterprises that have been established for the purpose of purchasing and taking title to single family dwellings.

In addition, although Romania has been working to establish a more stable market economy in recent years, due to the amount of time that it was under the yolk of a dictatorial regime, the real estate market is shaky. The demand for single family residents is spotty throughout the country. A good share of the more recently built single family residences are not necessarily constructed in a particularly sound manner. In addition, many older properties are in a state of disrepair.

Residential Real Estate in Romania - Apartments

A significant portion of the Romanian population currently dwell in apartments. There has been some movement by foreign nationals to become involved in commercial enterprises -- within the parameters established by the Romanian Constitution and related laws -- that own apartment buildings or complexes in the country. At this juncture, most investors in such real estate ventures have not made exceptional profits in these ventures. However, there is hope (reasonably placed for the most part) that when Romania is integrated into the EU, the Romanian economy overall and the real estate market specifically will experience growth.

Holiday Property in Romania

Tourism in Romania is not, as of this juncture, a significant industry. Therefore, when it comes to the real estate market involving vacation or holiday properties, there is not a significant amount of activity at this juncture. Up until 1990, foreigners were barely allowed into the country in the country. And, any foreigners that were permitted into the country certainly were not allowed to visit most areas in the country. Up until the 21st century, vacation and holiday travel into Romania almost was unheard of.

In reality, Romania is not without its points of interest when it comes to tourism. However, there remains much to be done in regard to reinvigorating the infrastructure of the country before there can be much of a market in tourism. The government is working on these matters at the present time. Once again, when Romania enters into the EU, there is a high probability that there will be an increase in the number of visitors to the country in the future.

Specific steps to buying real estate property in Romania

At the present time, the Constitution of Romania prohibits a foreign national from directly owning real estate in Romania. Even if a foreign national inherits real estate, that foreign national simply cannot take possession and ownership of inherited real estate in that country. This Constitutional provision -- and companion statutes and regulations enacted by the government of Romania since 1990 -- is not in step with what is in place in other countries that comprise the European Union. Thus, it is fairly to safe to assume that there will be fairly significant pressure on the Romanian government to liberalize its real estate laws to at least permit ownership of real estate in Romania by foreign nationals who reside in one or another of the other EU nations.

With that said, there is not specific proposal on the block at this time to liberalize the real estate laws even for foreign nationals from EU member nations. However, and again, the main underpinnings of the EU involve free commerce between the countries that comprise the EU. Such free commercial activity would be significantly impaired in regard to Romania and other EU nations should the laws (and Constitutional provisions) in Romania remain so stringent (and strident) when it comes to the issue of foreign ownership of real estate in Romania.

With this said, a Romanian company may own real estate in the country even if that company is owned 100% by a foreign national. Obviously, foreign nationals who have an expressed interest in owning real estate in Romania, either for investment purposes or as part of a business enterprise, are establishing companies -- corporations or limited liability companies -- within Romania.

The process for creating these entities is not that difficult. Generally, foreign nationals are retaining legal counsel in Romania to assist them in establishing these entities. There are lawyers in Romania that now specialize in this type of legal affair.

Provided that a foreign national or group of foreign nationals have duly established a bona fide corporation or limited liability company in Romania, the process for purchasing real estate within the country is not particularly complex on the surface and in and or itself. The process commences with the execution of a preliminary contract for sale. Via this document, the purchase price is established and a deposit is made by the buyer. In most instances, the deposit is set at an amount equal to 10% of the overall purchase price of the subject real estate.

During the interim between the execution of the preliminary or initial sales agreement and the date of the signing of the final agreement conveying ownership of the real estate to the buyer, the purchaser is obliged to obtain any necessary financing that he or she will need to effect the purchase of the real estate. (Again, in the case of a foreign national, the financing arrangements will need to be made by and the mortgage loan issued in favor of a duly established Romanian legal enterprise in the form of a corporation or limited liability company.

At this juncture it is important to keep in mind that Romania is a country fraught with problems when it comes to the title to real estate. The process of checking title to real estate in Romania is convoluted and difficult. Efforts have been made by the Romania government in recent years to clarify this entire process, and to clean up titles to real estate. But, the work and effort in this arena is far, far from complete.

The Romanian government has created a national property registry office. But, the office has been slow in dealing with the myriad of issues pertaining to title to real estate in the country.

Another problem pertaining to real estate in Romania centers on the fact that in many instances that real estate cannot be used as collateral for a loan. In this regard, unlike in nearly every other country in the world, the real estate that is the subject of a sale and for which financing is being obtained, in many instances will not be able to be used as collateral for a loan. In other words, if a person (or company) wants to buy real estate in Romania and needs a loan to do so, that person or company will need to use some other form of collateral for the loan beyond the real estate that is being purchased.

Once again, and has been noted, it is likely that there will be changes to the real estate laws on the books in Romania. Indeed, those changes will need to reach the Romanian Constitution as well. The entry of Romania into the EU in 2007 will be the primary reason that the Romanian government is likely to set upon a course to liberalize the real estate laws (and Constitutional provisions).

Property Abroad always recommends using a Solicitor or Lawyer.

Les Calvert - the Director of http://www.property-abroad.com often writes articles and information on the overseas property market. Visit their site with useful information and properties for sale in Romania http://www.property-abroad.com/romania.Live Mortgage Leads
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Make More Money In Internet Marketing By BURNING Your PhD In English!

You may be thinking that you will be a failure in internet marketing just because your English teacher from high school gave you an F for your bad grammar and simple vocabulary.

And to top it off, your dear teacher probably even said that you will never make it as a writer! Im here to give you hope because you dont need to be all that great in writing to make money online.

Dont let your misconception scare you. To write successfully online, you dont need a PhD in English. A lot of successful internet marketers dont use professional and impressive English in their writing. And they AINT gonna start!

You may be protesting: Yes however, by procuring a transcendent lexicon and capitalizing gargantuan resplendent words will galvanize people

Did you understand that last sentence without spending 10 minutes with a dictionary? Did my big words impress you? Probably not, if I said that to you face to face, you probably thought I was an English obsessed weirdo!

You probably wouldnt bother reading an article that uses those crazy words, unless you are a true masochist. And I can guess only a very small percentage of people enjoy reading something like that (if any).

You probably wouldnt want to check up each individual word, so let me translate. It says: Yes however, by having a great vocabulary and using big fancy words will impress people.

Did you understand that? YES of course its so simple! And Im guessing most people who can read English didnt have to go the dictionary to understand that phrase. Let me explain a simple truth, we make most money by clear communication, not by complex confusion!

The clearer we can get our message through to our internet readers, the easier it is to sell to them and therefore make more money! Thats why you shouldnt use professional and proper English in internet marketing all the time.

Additionally, using relax everyday language with your customers gives off a feeling that they are talking to a real live human being, which works better when communicating through the internet. Dont be some intimidating corporate robot thats totally not relatable to them.

We want to make our writing so simple to understand that 99% of the population will know what we are offering. Forget impressing the 1% of the population that has a huge vocabulary, because they will certainly understand our writing also!

So for those of you that had a hard time getting an A in English class, CONGRATULATIONS! You have an advantage over other internet marketers that are brainwashed into thinking that the best way of writing is to use higher-level English (like me darn it!).

You dont have to break the bad habit of using overly sophisticated English. So now you have no excuse for your sixth grade level English. For those of you who graduated with a PhD in English, CONGRATULATIONS! That shows dedication and commitment.

However, no one will understand you if you continue writing as you did for your more sophisticated colleagues! Tone it down a little when you are working with your internet marketing business.

Why do you think major newspaper write in simple English? And why are the best selling magazines written in simple English?

Yup, youve guessed it. They write in simple English so that more people will understand their content and more people will buy! You can show off your superior English to the few people who actually care.

So if you are guilty of having perfect sophisticated English in your message, re-edit everything so that even the dumbest sixth grader will understand it. Youll have messages that will be clear and more people will understand what the heck you are talking about!

Alan Quan is a certified Internet Coaching Empire coach and specializes in helping people build their own successful internet marketing business. Visit his website at http://e-bizcoachalan.com/success.htm and find out how he can help you to quickly accomplish your goals and boost your internet profits.Exclusive Mortgage Leads
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Get Financial Peace at Low Cost with Unsecured Loans

Money is a very important element of a stress free smooth life. But there have been situations in your life when you feel outraged and disappointed just because of your dwindling financial state. To overcome situations like this one helping hand can prevent you from disappointment and can help your life run as smooth as ever. Low cost unsecured loans are one such opportunity that can provide you money to fulfill all your wishes.

Low cost unsecured loans are as the name itself suggests cheap loans that are available without any security. There may be various reasons why you cannot put a security against the loan. An unsecured loan thus is available to you if you are a tenant, non-homeowner, a student etc. you want a loan. Low rate unsecured loans are also available if you own a property but still you do not wish to put it at risk.

With low cost unsecured loans, you can seek an amount ranging from 1000 to 25,000, for a period of 6months to 10 years. The interest rate will depend upon the amount you borrow and the repayment you choose. Since lenders offer low cost loans, you need not worry about interest rate. Even if you have a bad credit history, you do not need to get upset as low rate unsecured loans are available to individuals having poor credit score, arrears, defaults, bankruptcy, or any County Court Judgment. These loans can help you borrow money in a very reasonable rate which you can repay easily. Easy repayment will both make your bad credit turn good and increase your chances of getting a cheap loan in future.

You can use low cost unsecured loans for your numerous purposes. These are multipurpose loans and can be used for debt consolidation, paying off medical or educational bills, to meet wedding or holiday expenses and many more.

With a low cost unsecured loan, you will save a huge amount of money and time as well. In order to avail these loans you do not have to find lenders and contact them personally. Now you can get in touch with the kind of lender you want while just sitting at home! Yes, online lenders offer you this convenient and cost effective mode of lending the money through internet. They will simply ask you to fill an online application form where you will have to give details about your credit history and some important details. After submitting the form, your loan will be approved in a very short time and the money will also reach you soon. This is a very cost effective and fast mode of availing low cost unsecured loans.

Getting money when you need it is not an easy task. You have to apply effort and time in order to get your wishes fulfilled. Low cost unsecured loans offer you one such opportunity where you can do away with all these efforts and get easy and fast financial support.

Elizabeth Swann is currently working as an expert author for Instant Decision Unsecured Loan. She writes for loans and finance and provides advices on such issues. For more details including low cost unsecured loans, Unsecured Loans for UK Tenants, unsecured loans with poor credit, online personal unsecured loans, Unsecured Loans Tenants, Small Personal Unsecured Loans visit http://www.instantdecisionunsecuredloan.co.uk Mortgage Lead Programs
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Mortgage Lead Companies, Invest wisely

Investing with a mortgage lead company these days can prove to be tricky for loan officers and mortgage brokers.

With so many mortgage lead companies to chose from these days, how does one go about finding the one that can provide a return on your investment by supplying good quality mortgage leads.

One of the easiest ways to find out if a mortgage lead company can produce good quality mortgage leads is to call your associates in the mortgage business and ask them to refer a company that they have had success with.

This is also a good way to find out which mortgage lead companies to avoid as well.

Once your list of mortgage lead companies has been narrowed down to a short list of the ones you are seriously considering, be sure to take the time to read each of the mortgage lead companies web sites thoroughly.

Concentrate on the terms and conditions, the refund policy, and how they go about generating their mortgage leads.

Where a mortgage lead company generates their mortgage leads should be one of the major keys when it comes to making your decision.

Look for the mortgage lead companies that generate their mortgage leads through web sites that they own and operate.

A lot can be said about the quality of a mortgage lead when a mortgage lead company can obtain the mortgage leads on their own without using third party vendors and spam campaigns.

Also, look for the mortgage lead companies that allow you to make low minimum deposits to begin buying leads. This is a good way to buy a few of the companies leads so you can test the waters without a whole lot of commitment or going broke in the process.

Before making any kind of financial commitment with a mortgage lead company be sure to pick up the phone and speak with someone in the sales department or customer service.

Ask as many questions about the company and the mortgage leads you feel is appropriate to find a comfort level before depositing.

And remember, if you are not satisfied with answers you receive than it is more than likely that you will not be happy with the mortgage leads.

To sum it all up, take your time and research the mortgage lead companies that you are considering. It will not only save you money but it can make you money also.

Jay Conners has more than fifteen years of experience in the banking and Mortgage Industry. He is the owner of http://www.jconners.com, a mortgage marketing and resource site, he is also the owner of http://www.callprospect.com, a mortgage lead co.Mortgage Lead Transfers
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The Basics of the Comcast Cable Company

Comcast Cable has grown to become the largest cable service provider in the United States. It was founded back in the 1960s as a local single system cable television provider and is now available almost anywhere that cable TV is offered. With an ever growing array of competition it is interesting to note how Comcast Cable is able to lead nearly all its markets.

Available in over thirty states, its a safe bet that if one of those states residence subscribes to cable that they are using Comcast. Born as a television company, home entertainment is still its primary concern. Overall they service over twenty million homes with cable television. Furthermore they provide digital cable service to almost another ten million homes.

During the last decade the technology thats been made available to homes has grown at such a staggering rate that it has allowed companies like Comcast to expand into providing other services. Personal computers, for instance, never would have offered a market to Comcast cable when they first began entering homes. Then came the advent of the internet. Faster computers and larger amounts of data called for speedier internet connections that dial up providers couldnt possibly provide. Taking advantage of this new market, cable companies were able to offer their own brand of internet service which can currently offer speeds a hundred times faster then its dial up predecessor.

Comcast cable internet came to exist and it now provides high speed cyberspace access to almost eight million customers. That number represents over one third of their television subscribers which is quite staggering given how fresh the technology really is. Just think how slowly cable grew when introduced as a television service; no one wanted to pay for something that they were already getting for free. Initially cable internet had the same reaction with people not wanting to pay double the price for faster data transfer. But those numbers clearly show that the idea has definitely caught on.

Another boost for their consumer base came with the advent of the cable telephone alternative. While that idea has yet to catch on with most people being satisfied with their existing services, Comcast has still managed to attract over a million clients to this service.

Other business ventures from Comcast Cable includes several of their own channels. These include the Golf Channel, PBS Kids Sprout and TV One. Comcast even has four Comcast Sportsnets. Outside the communications ring, they also have a majority ownership in a company that has a lot of holdings. Some of these are sports teams in hockey, football and basketball; also they own two large multipurpose arenas in Philadelphia where Comcast is based.

Comcast cable has become a staple of the American communication world. Their employees are numbered at over seventy thousand people. As a company they continue to look to the future for new opportunities and ventures to offer their customers.

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Self-fulfilling Prophecies For Your Weal Or Woe!

Self-fulfilling prophecy means bringing about an outcome that was assumed to be inevitable beforehand! Self-fulfilling prophecies work by belief. (Belief means assuming that information received is true before confirming it's true!)

These beliefs can be conscious or unconscious. Usually they're unconscious and a person may believe one thing consciously and something that opposes it unconsciously! Unconscious beliefs tend to be more emotionally embedded and more potent than conscious beliefs.

Self-fulfilling Examples

If a woman believes she is stupid shell tend to find ways to act out that belief! Even if she manages to suppress that belief and gain some successes, her unconscious beliefs may still sabotage her with self-doubt, causing her to do things to undermine her accomplishments proving that what she believes about herself was true all the time!

People usually base their predictions of whether theyll succeed or fail at a goal by their past experiences of succeeding or failing at attaining their goals! The more they've succeeded in the past the more they'll believe theyll succeed in the future! The more they've failed in the past the more they'll believe theyll fail in the future!

Sometimes their predictions aren't based on experience at all, but on being told repeatedly when they were children that they could never succeed at their goals! Convinced of this they never seriously attempted to attain their goals because they believed it was useless to do so from the start! If they did make an effort and experienced setbacks, they used the setbacks to prove that they were right to believe that they would fail all along!

Self-fulfilling PatternsSome studies have shown that people who are optimists are happier and accomplish more out of life than people who are pessimists! For whatever reason, optimists believe they are good people that life is good, that good things happen to them and studies show that they usually do! Optimism is based on belief! What we believe affects what we do! What we do affects what we accomplish!

It was once considered impossible for a mile to be ran in less than 4 minutes. To the experts and those influenced by them this was an obvious reality! The belief that this feat was impossible to do stopped most runners from trying to exceed this barrier (Self-fulfilling prophecy). People were ridiculed for daring to believe that a mile could be ran in less than 4 minutes, until some "fool" proved it could be done!

More self-fulfilling Examples

Alcoholics believe that alcohol is controlling their lives! They believe that theyll always be alcoholics! But alcohol is an inanimate fluid! It has no life or intelligence! How can it control their lives?

Once alcoholics have been detoxified all alcohol is out of their systems and they're no longer physically addicted to it! Then what keeps them vulnerable to it? Is it the belief that they need alcohol to feel normal, have fun and to cope with life's problems? Ignorant of the power of their beliefs theyve learned to project that power into alcohol!

Religious Beliefs

Religious beliefs can be self-fulfilling also. In the New Testament Jesus says, "All things are possible to him that believes." People have recovered from all kinds of illnesses and diseases by firmly believing that God or Jesus was healing them! But its not their conscious beliefs thats the source of the healing power, but their unconscious beliefs, which are more potent than their conscious beliefs!

Additional Examples

Self-fulfilling prophecies affect our health and whether or not we'll recover from illnesses! Studies have shown that people who believe that they will recover from cancer do far better than those who believe that cancer is a death sentence they won't survive!

People who believe theyll recover tend to do all the things that increase their chances of survival. (They take their medication faithfully, kept doctor's appointments, exercise, get proper nutrition, have a positive attitude, etc,). While those who believe cancer is a death sentence tend to be depressed, wallow in self-pity, become less active, and don't do the things that may increase their chances for survival! The belief that one will recover from cancer has a positive affect on the immune system and a healthy immune system is a potent weapon in the fight against cancer and other diseases!

Self-Fulfilling Old Age

Some people believe that they're old at certain ages. Some think they're old at 30, 40, 50, etc! It's usually such a firmly held belief that as they start to approach those ages they unconsciously start to conform to whatever image or lifestyle they've associated with that age!

I know a guy who when he was 39 and hed forget something, he'd attribute it to his being distracted. If he felt sore after working out, he'd attribute it to working out too much! But when he turned 40 and he'd forget something, now it was because "I must be getting old!" Now if he felt sore after working out, it was because" Boy! I must be getting old!" If he noticed a gray hair in his head he'd say " Wow! I'm really getting old!" Any mistakes or perceived signs of physical deterioration, which he hardly noticed before, were now seen as confirmations that he was getting old in accordance with his belief that people are old at 40!

All these beliefs are inculcated in us from childhood through adulthood and usually go unquestioned! They're like computer programs that trigger processes and reactions in computers, except that these beliefs trigger processes and reactions in our minds and bodies that are acted out to the benefit or detriment of mankind and ourselves!

Self-Fulfilling Conclusion

If you want to know the difference between what you consciously or unconsciously believe. Observe whether your cognitive responses about an issue correspond to your emotional responses about the issue! Emotional responses are triggered mainly by unconscious beliefs! Cognitive responses mainly by conscious beliefs! For example, it's easy to believe that you're not afraid of Tigers when there's no Tigers around! (Conscious belief) But let's see how you react when you're face to face with a Tiger! (Unconscious belief)

Self-fulfilling prophecies are based on beliefs! Beliefs control our minds. Our minds control our bodies and behavior! What kind of self-fulfilling prophecies are you allowing to control your mind, body and behavior?

May the Light never cease to Lighten your Minds!

Copyright 2006 El-Veasey Publishing Inc

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Reverse Mortgages and the Softening Housing Market

This article talks about reverse mortgages in the context of the softening real estate market.

One question we have been asked is: What happens to reverse mortgages as the United States housing market weakens. It is a good question.

There is no question the United States housing market is softening. Although prices may not yet be going down, and some markets remain relatively strong, as a whole the robust gains in real estate value across the country is over. Maybe not forever, but certainly for now.

Recently, new housing starts were down 20% and the number of houses being sold has slowed year over year. Houses are sitting on the market longer and long gone are the days where sellers get 25% over their asking price within days.

So what does the softening market mean for the reverse mortgage?

A reverse mortgage is a loan that is not paid back until death or permanent move. Moreover, the borrower can never owe more than the value of their house. Therefore, reverse mortgage lenders must be careful with how much money they lend. The amount of money they lend is based on a number of factors. They are: borrower age, location of property and importantly, the value of the property.

The first two factors determine a percentage of the property value. So a reverse mortgage is based on the value of the property. The property value is determined by an appraisal. As the real estate market weakens, appraisals are not as high for a given property. This means that the reverse mortgage borrower receives less money.

Over time, real estate values have gone up and have gone up relatively consistently. Does this mean that real estate will always go up? No. Does it guarantee home prices will be higher five or ten years from now? No. Anyone who says, Real estate prices may not go up as fast, but they will never go down, is flat out wrong. While we at the http://reversemortgagepage.com do not predict real estate prices, history does not bear out that values will always increase, even in a given period of time.

Does this mean that you should rush out and get a reverse mortgage before the value of your home goes down. No. It just means that you shouldnt assume that your home will be worth more five years from now. A reverse mortgage should be obtained when the time is optimal for your financial situation. When that time is depends on many factors. For advice on timing, turn to the Reverse Mortgage Page.

Byron Warnken is an expert on reverse mortgages and his company owns and operates a leading website that can help you learn about Reverse Mortgages.Live Mortgage Leads
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Smart Real Estate Investing Tips

Real estate investing is a topic that many people wonder about. The earning potential of a smart investor is extremely high, because unlike nearly every other type of investment, real estate does not typically decrease in value. When you are looking for a way to ensure your security for the future, or to build a retirement portfolio, real estate is a good vehicle to use. Here are some things that you might want to know about real estate investing

- Work with a mortgage broker. When you are considering financing options for the purchase of your investment property, contact a mortgage broker to see if he can help you to find financing that is the most advantageous for you. Shop around, and talk to several different brokers to get a feel for experience and access.

- Dont pass over properties that you may be able to resell to other investors. Sometimes it is a good idea to purchase a property that is an excellent value simply because it is a property that is attractive to other investors. Keep in mind that when you purchase a property that is not what you are looking for or one that requires extensive work, it may end up being a long term investment. However, when someone who specializes in rehabbing comes along you are likely to make a substantial commission on the sale.

- Research potential properties before purchasing them. When buying a rental property, there are several key features that you should be looking for. The first is sustainability. Is the property in solid condition and is it going to stay that way with minimal upkeep? The second is the location. Yes, location is extremely important for most rental properties. You need to ensure that your tenants can get to where they need to go and that the property is near commonly used retailers and service providers. The third is the average income of the area. This is different from physical location, because you should keep in mind that a high rent area is definitely a better location than a low rent area. And, in high rent areas location is often less of a concern than in low rent areas.

- Start by purchasing a home of your own. If you are not already a homeowner, it is probably a good idea to purchase a home before you purchase an investment property. There are several reasons, but perhaps the most important is that you will learn the process of purchasing a property by actually buying one. It is not unusual for investors to turn their first home into their first investment property, because the property and the market become familiar entities.

- Let potential home sellers know youre looking to buy. One way to find hidden investment properties is to distribute flyers around a neighborhood in which you would like to buy. Consider having someone drop them door to door. A thousand flyers will only cost you around fifty dollars, and you never know who might give you a call to discuss or point you in the direction of a property. And, much like business cards, you never know who is going to see your contact information. This is an excellent outreach technique when you would like to get your name out there and to find properties that meet your criteria.

- Consider living in your own rental property. A good strategy to consider when you are looking to purchase an investment property is purchasing a multi-unit property and becoming an occupant. The advantages include low cost living, because the other rents coming in should cover a good portion of the mortgage payments, higher deductions at the end of the year and the ability to stay current on maintenance.

- Find a great attorney. Before you become involved in the purchase of an investment property, you should form a relationship with a real estate attorney who is familiar with situations similar to yours. This is especially true if you are attempting to purchase a property with non-conventional financing, because an attorney will help you to ensure that you are making good decisions in terms of your investment.

- Know exactly what youre getting in to. If you are considering purchasing a rental property with existing tenants, it is imperative that you have access to all tenant records prior to signing a purchase agreement. Otherwise, you may be inheriting another landlords problem. Keep in mind that you will most likely not be able to increase the rent amounts after purchasing an occupied property for at least the duration of the existing lease.

Hopefully, the information presented here has given you new insight into the world of real estate investing. Our intention is that you can now take this information and put it into play in your own investment plan. Careful planning is the first step to financial freedom, and real estate is an excellent vehicle for carrying out the plan.

Ben Euporian makes it easy to learn from today's real estate investors. For details, visit this site now: http://www.easyrealestateinvesting.info/

Ben Euporian provides information on a wide range of topics.Live Mortgage Leads
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Get Quick and Fast Loans- Avail Payday Loans Now

Applying for a loan and getting it in your hands has a lot of gap in between. Sometimes the gap is so long that the purpose of loan is not fulfilled at the desired time. In simple words, the time involved in getting a loan is so long and extensive that it fails to solve your purpose fully at the time you receive it. Keeping your this problem in mind and also to make the loan lending process easier for you, the financial market has a solution for you in the form of payday loans.

Payday loans are a quick and fast mode of getting loans. When you need to meet your urgent medical bills, or pay unexpected telephone bills, electricity bills or any other urgent requirements, take payday loans and fulfill all your urgent cash needs.

Payday loans are offered in a very short time and hence it is not possible for regular money lenders to give you cash in such a less amount of time. This speed can only be offered by online lending process which involves least documentation and prevents you from visiting lenders personally. This saves a lot of time and effort and you get the money at the moment you need without any delay.

You get payday loans against a post-dated check that you pay in advance to the lender. This serves as a security for the loan amount and is kept with the lender. For this purpose, you are required to have a current bank account in which your salary is transferred. Not only this, there are some other requirements which are required in order to get a payday loan:

- You should be a regular employee of a company

- Your minimum salary should be above 1,000 per month

- You should have a current checking bank account

- You should be a UK citizen and must be above 18 years of age.

If you satisfy all these conditions well, you can easily get payday loans. With these loans you get small amount ranging from 100-15,000, depending on your income. The repayment term is usually a week to a month.

If you have a bad credit history, you can still avail fast cash. Payday loans welcome all types of credit holders with the interest rate and repayment suiting your financial situations.

Applying for payday loans is not at all a lengthy process. You will just need to fill an online application form on the lenders website. The form will ask you about some details like your credit history, employment proof, identity proof, residential details etc. The lender will take just 1-2 hours to approve the application and after that the loan amount will be transferred in your account within 24-48 hours.

When you look for fast and easy financial help, ask for nothing but payday loans. These loans will help you get away with your urgent cash need in reasonable rates.

Ashley Lewis has been associated with Bad Credit 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 more about Bad credit payday loans, Payday loans, Online bad credit payday loans, Bad credit quick payday loans visit http://www.badcreditpaydayloans.co.ukLive Mortgage Leads
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Gymnastics History - A Brief Overview

Gymnastics, as an activity, has been around for more thantwo thousand years in one form or another, from the ancientGreek Olympics, to Roman ceremony, to todays modern meets.

As an organized and truly competitive sport, gymnasticshas existed for a little more than a century. It wasintroduced in the mid 1800s to the United States, where itinexorably gained in popularity within school systems.

Amateur associations gathered together by the latenineteenth century, offering classes and opportunities foryoung people to join in on the fun. Eventually, theseassociations began to have their own championships.

In 1896, at the first international Olympic games in Athens,Greece, the sport we all know and love enjoyed its firstlarge-scale debut. Included in the Olympic tournament werevaulting, parallel bars, pommel horse, and rings events formen. The first womens Olympic gymnastics events were heldin 1928. After the Olympics began to officially hostgymnastics, the World Championship gymnastics meet emergedin the early 1900s, and it is still held to this very day.

Thus began a noble tradition that continues even in modernOlympic games and in local, regional, national, and worldmeets all over.

If youre the parent of a young gymnast, odds are, peopleare going to ask you, Why did you choose gymnastics overswimming, ballet, football, baseball, or soccer? It is aneasy question to offer, but not a simple one to answer.

Their curiosity is entirely understandable--to theuninitiated, may have a lower profile than others.However, if you are indeed very serious about your childparticipating in the sport, you can tell those people, withgreat authority, that gymnastics is an excellent way tospend time. Not only does it have a long and illustrioushistory, but it also requires attention and discipline onthe part of a child--more so, perhaps, than one involved inany other sport.

In order to become successful at the sport of gymnastics,your child will have to get into a routine of practice.

This type of routine is different from, say, soccerpractice or hockey practice, in that it does not involvethe concept of physical rivalry with other individuals. Agymnast is not typically seen chasing after anothergymnastics youth with a set of rings as one might see ahockey player attacking another person on an opposing team.

Gymnastics does not encourage violence in the same waycontact sports do -- indeed, when one is part of agymnastics team, one has to work in synchronicity with andhave a certain trust for the other members, a valuablelesson in this individualism-driven social environment.This can certainly help in any future employment,especially if your child is interested in professions thatinvolve lots of interpersonal communication.

Beyond practice, gymnastics also requires physicaldiscipline. For instance, if you do not move in the waythat you are taught to move when on parallel bars, you willhave falls and disappointment--and then, of course, youlearn from the mistake, pick up, and try it again. Playingat gymnastics braces a person for the future in that way:it prepares them for the inevitable necessity ofdetermination and endurance in any of lifes endeavors,whether in business or in education. In conjunction withschool study habits, practice for gymnastics can indeedlead a young person into a level and graceful confidence.In fact, for as physically driven as gymnastics happens tobe, it is also an extremely intellectual sport: everymotion requires forethought, for in the game, if you do notthink of what you are going to do before you do it, youllend up on the mat.

Finally, and perhaps most obviously of all, there is thefact that gymnastics will keep your child busy, as anyother sport might. This means that he or she wont be aslikely to slip into a pattern of slacking or of hanging outwith the wrong crowd. Quite literally, when your child isat practice, you will know where they are -- you will nothave to worry if they have wandered off somewhere or areunintentionally getting into trouble. This can lead topeace of mind for you and yours, most assuredly, which,like the skills they will learn, are absolutely invaluable.

By Murray Hughes
Gymnastics Secrets RevealedThe book EVERY gymnastics parent should read

http://www.gymnasticssecretsrevealed.com/gymnastics-articles/gymnastics-history.htm

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Phishing with a Net

When geeks gave us the Internet and the means to use it, they also gave us a new segment of vocabulary ...

I've often thought it a shame that a few of them didn't make their way to a campus literature or marketing department and see if a student of poetry or sizzle could assist them in assigning names to their innovations. For example, did the manual cursor operator have to be called a 'mouse?'

Geeks have overtaken sports-speakers when it comes to coining bad phrases. I've never understood why basketball types say a player 'kicks out' a ball to a teammate on the perimeter when his feet never touch it. Worse yet, I've always wondered if a gridiron football player would really want to dive on the ball if the carrier truly 'coughed it up!' That bit of literal imagery is more revulsive than handling a mouse. Do these guys really think about what they're saying?

There is one instance, though, where the geeks thought it through and got it right. 'Phishing' is a perfect connotation for cyber-cons who troll for prey.

The word's spelling distinguishes this nefarious activity from a sporting endeavor, but it's still a game. The definition that's been developed for it is "a technique used to gain personal information for purposes of identity theft, using fraudulent e-mail messages that appear to come from legitimate businesses. These authentic-looking messages are designed to fool recipients into divulging personal data such as account numbers and passwords, credit card numbers and Social Security numbers."

Another term that alludes to the emotive consequences of cyberobbery is the perjorative sense of 'hacker.' That bit of etymology seems to be a work in progress. The accepted definition refers to "individuals who gain unauthorized access to computer systems for the purpose of stealing and corrupting data." However, the added qualifier is, "Hackers, themselves, maintain that the proper term for such individuals is cracker."

Being hacked or being cracked makes little difference to those on the receiving end. They just know they've been had. Understandably, their first impulses are to get mad and want to vent. My contention is that, most of the time, they're lashing out in the wrong direction. After all, crooks are crooks; that's their job and they're out there in numbers. That's not going to change anytime soon.

These victims need to take a hard look at themselves.

The economics of law enforcement --- in cyberspace or elsewhere --- limits what can be investigated and prosecuted. Thus, smart spoofers often keep their 'take' per scam campaign at levels sufficiently low that the cost of prosecuting them is not viable. Then, they change their coordinates, plus their identities, and do it again.

So, obviously, the most important factor in cyber-diligence is self-precaution. Most steps are basic, as evidenced by the checklist on the USA government's Federal Trade Commission website:

"If you get an email or pop-up message that asks for personal or financial information, do not reply. And dont click on the link in the message, either. Legitimate companies dont ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the companys correct Web address yourself. In any case, dont cut and paste the link from the message into your Internet browser phishers can make links look like they go to one place, but that actually send you to a different site.

"Use anti-virus software and a firewall, and keep them up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge.

"Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Anti-virus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically.

"A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. Its especially important to run a firewall if you have a broadband connection. Operating systems (like Windows or Linux) or browsers (like Internet Explorer or Netscape) also may offer free software 'patches' to close holes in the system that hackers or phishers could exploit.

"Dont email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organizations website, look for indicators that the site is secure, like a lock icon on the browsers status bar or a URL for a website that begins 'https:' (the 's' stands for 'secure'). Unfortunately, no indicator is foolproof; some phishers have forged security icons.

"Review credit card and bank account statements as soon as you receive them to check for unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.

"Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them. These files can contain viruses or other software that can weaken your computers security.

"Forward spam that is phishing for information to spam@uce.gov and to the company, bank, or organization impersonated in the phishing email. Most organizations have information on their websites about where to report problems.

"If you believe youve been scammed, file your complaint at ftc.gov, and then visit the FTCs Identity Theft website at www.consumer.gov/idtheft. Victims of phishing can become victims of identity theft. While you can't entirely control whether you will become a victim of identity theft, you can take some steps to minimize your risk. If an identity thief is opening credit accounts in your name, these new accounts are likely to show up on your credit report. You may catch an incident early if you order a free copy of your credit report periodically from any of the three major credit bureaus."

If you use e-currency or e-payment services, be aware that they are usually not liable for any of your losses if you've been hacked or cracked due to identity-theft issues. All reputable services have support divisions that investigate any complaints of spoofing --- for example, Paypal asks you to mail them at spoof@paypal.com if you receive a suspicious message using their name --- and if anyone is going to pursue, or at least keep on file, complaints of any amount, it will be them.

Virtually all e-currency services offer options of 'virtual' keyboards for logging in to accounts. They may be a bother, but they are very effective at adding a formidable obstacle for cyber-invasion. Then, whether or not you took this step to access your account, make sure you take the time to actually log out of your account, as opposed to merely clicking away to your next site.

I note that the Longer Life site has two very good preventive products as sponsors, Kaspersky Labs and Identity Guard. They are first-class products and well worth your while to consider.

This stuff doesn't take long to research or to implement and you don't have to be a geek to do it. You don't even have to know their their terminology. Instead, when you're done, you can confidently refer to a familiar term in both sports and banking:

Safe.

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Lindsey Jacobellis: The End Of Snowboarding Innocence

Lindsey Jacobellis flew into the frigid Italian atmosphere as a celebrated and admired snowboarding superstar but, after an adrenalin-fueled grab at her board in mid-flight, she returned to earth in a meteoric flameout destined to make her a lock for membership in the Bonehead Hall of Shame. But her gaffe also represents a watershed moment for a sport once typified by such actions.

Snowboarding is a serious sport populated by serious athletes. Participants in competitions throughout the world work and train and sacrifice to race and win and be recognized as the best in their sport. But the ascension of snowboarding from a wild, rebellious and carefree winter activity to a corporately-sponsored, mainstream, Olympic-level competition has resulted in attitudes and expectations that are radically divergent from the once-radical personality that dominated the sport.

Lindsey Jacobellis began snowboarding in rural Roxbury, CT when she was 10-years old. Coached by her older brother, Ben, Lindsey was forced to compete against boys since there was no girls division for the sport. This co-ed racing helped her develop a highly competitive spirit. Leading up to the Olympics she trained with the American men since she is the only U.S. woman competing in snowboard cross. She is, quite simply, the best womens snowboard cross racer in the world. But, as a result of her fall in the Italian Alps, she will not be an Olympic champion in 2006.

What Lindsey Jacobellis will be, to many, is a showboating hot dog. She will be derided for being cocky, over-confidant and foolish. One television reporter stated that Lindsey had left a blemish on the sport of snowboarding. Another said that the nations hope for a gold medal in this event rested solely on her shoulders. Her agent is probably on suicide watch after seeing his dreams of gold medal endorsement deals get swept away in an avalanche of shattered dreams.

And how does Lindsey feel about all of this? "I went for the jump because I was having fun," she said. "Snowboarding is fun, and I wanted to share that with the crowd. ... I was caught up in the moment and forgot that I had to race.

Poor Lindsey. Doesnt she realize that competing at this level is not supposed to be fun? That getting caught up in the moment was a reckless, selfish and careless demonstration of nave exuberance? How could Lindsey have been so irresponsible that she would have allowed the thrill of flying down a frosty hill, free, fast and in first-place by a snowboarding mile, to be manifested in a flamboyant maneuver for which snowboarders used to be hailed?

Used to be That is the operative phrase at the moment. Snowboarding has come of age. Millions are watching world-class athletes compete for gold, silver and bronze. Fame and fortune await the winners. Only memories of a temporary place on the world stage await the rest. But Lindsey Jacobellis will forever straddle the chasm between Olympic winners and Olympic losers. She now carries the weight of Olympic silver around her neck and the stigma of Olympic failure on her competitive resume.

By her self-inflicted disaster, Lindsey Jacobellis has elevated snowboarding to a premier winter sport. No longer will the freewheeling, high-flying, hey dude, watch this, X Game-style mentality apply to competitive snowboarding. Its about winning and money and national honor and endorsements. Getting ramped up and having fun are no longer permissible attitudes for the sport.

Dude, this is serious!

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Foreclosures - How To Invest Successfully

If someone is about to lose their home to foreclosure, then you can guarantee they're feeling stressed. They're probably being bombarded by calls and letters from creditors, and for many people it all becomes too much to handle. They close their eyes and hope it will all just go away.

Reality is that it won't, and as an investor interested in buying foreclosures, the hardest part can be convincing the homeowner that they really are going to lose their house unless they do something about it. It can also be difficult to convince them that you really are trying to help them, even though you are helping yourself make a profit at the same time.

When you're dealing with foreclosures, time is of the utmost importance. You need to have enough time to bail out the homeowner and take over the property before it's too late. That's why it can be a good idea to subscribe to a foreclosure listing service - you get access to listings at the earliest possible time, and don't have to use your valuable time looking for potential foreclosure properties from other sources.

Many people facing foreclosure have spoken to an attorney, and are convinced that bankruptcy is their only option. In most cases this isn't true, but attorneys tend to stick to what they're familiar with, which is bankruptcy, rather than mentioning other possibilities such as:

- Sale by assumption
- Deed in lieu
- Straight sale
- Foreclosure presale
- Compromise sale
- Short payoff
- Workouts
- Assignment
- Injunctions

There are still more options than these, which shows that bankruptcy definitely isn't the only choice for the homeowner. When you're dealing with a homeowner in foreclosure, make it clear that you're offering an alternative to bankruptcy. Find out whether they really understand what bankruptcy will do to their credit history and how it will affect their future.

If you're serious about buying foreclosure properties, then you need to become familiar with everything that's required in the process, and check everything for every property you consider. These items include:

- Loan and mortgage documents
- Loan amount, monthly payment, and interest rate
- Any outstanding taxes
- Existing insurance policies
- Any other liens or judgments

Make sure you have enough information to complete all the necessary tasks before the foreclosure occurs. If there's not enough time, don't even bother starting. Having said that, learn as much as you can about ways to delay foreclosure, and help the homeowner to implement them all. If may just give you enough time to take over the property before the foreclosure auction.

Above all, focus on creating a solution where everybody wins. It's never an easy time for the homeowner, so be prepared for plenty of anger, frustration and resentment - some of which may be directed at you. Walk away if it's obvious the person doesn't want to work with you. Find someone who is interested in finding a solution, show empathy for their situation, put together a strategy to get the best possible result for them, and before long you'll find yourself with a good portfolio of investment properties.

David JacobsenLive Mortgage Leads
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Things To Consider When Buying A Home

When buying a home, it is easy to get caught up in emotions such as love at first site. This can lead to disaster. The best way to buy a home is to apply your daily life to it.

What Do You Do Daily?

Ask yourself what a typical day is like. Then, for any home that seems like a real possibility, think about how youd handle a typical day there. Can family members shower and dress in a timely fashion without getting into each others way terribly? Is there a good place to put on make-up? If someone needs something quickly touched up with an iron, can you picture a way to handle that?

Picture the way you and other family members handle breakfast and lunch preparations if theyre made at home. Can you see that flowing well here?

What about evenings? Do you cook dinner at home and dine together as a family regularly? Is there adequate counter space near the sink, refrigerator, and stove? Can you picture preparing a typical meal in comfort in this kitchen?

If you have school age children, what about homework? Do you and they like a homework station near where youre working in the kitchen tidying up after dinner and near where youre catching up a few chores after that? Or do they do homework in their rooms? Can a computer station, good light, etc. be arranged where its needed?

What about exercise? Does one or more family members take a daily run? Use exercise equipment indoors? If so, where would these things take place?

Weekly Chores and Hobbies

Are there grocery stores, dry cleaners, a library, a farmers market, or whatever retailers and service providers you and your family use regularly near this home? If not, how would you handle that? Does the home have places suitable for any messy hobbies that matter to you and yours? Does anyone refinish furniture, build models, work with clay, paint pictures? Can you find a reasonable place for those activities?

What about the enrichment activities you have your children enrolled in? How would you handle getting them to hockey practice, dance class, and the like? Can they continue in the programs theyve been in, or will you have to find new ones? Is the answer satisfactory?

Meaningful Infrequent Activities

If youre changing geographic locations and have a choice of locating within, say, a fifty mile radius of your workplace, you might want to consider the possibility of locating in several different towns. Trying on living in each town can hinge on availability of activities you do infrequently, but enjoy greatly. For example, if you and your spouse really enjoy concerts and plays, you can check out whats available in that realm in each town and then focus your attention on the one you like best.

You might even go to the trouble to write out a little check list of things that matter to you and judge each home youre thinking is a good possibility by how it measures up. You might want to encourage other family members to do the same. This is apt to increase the chance of your finding a new home in which youre all very pleased with the quality of life you develop after you move in.

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Female Entrepreneurs, Business & Babies

The modern successful business woman faces a dilemma when a baby arrives on the scene especially if it is unexpected. Can they manage to juggle work and business with babies?

The great thing about modern technology is that most business tasks can now be done online and on the phone. This means that business women can keep working from the office and nearer the time of giving birth, from home, until the last few days before giving birth!

Business women on average tend to take less time off when a baby arrives on the scene compared to women in employment. It can be easier dealing with the requirements of a child and juggling work for women who are their own boss as they do not have to deal with the prejudices of their employer.

It is critical that some home help is arranged quickly otherwise both mum and child could be affected. Busy mums will not just have to take care of business as usual but also recover from the child birth experience.

For business women finding good childcare is essential if they are to continue working productively after their child is born. This does not necessarily mean that the baby has to left at a day care during the day.

It could simply mean having someone reliable coming to the family home for five or six critical hours every day. This then means that mum can focus on business completely during that time & / or just catch up with some rest.

Power naps can be very useful for mothers trying to cope with lack of sleep. Some people believe that for this to be successful you actually need to be able to fall asleep. This is not really the case as long as you get a rest for a little time during the day where you can let your mind wander without being disturbed in a calming environment.

Some women do feel guilty that they are not around to take care of all the needs of the baby. They shouldn't really as babies are more concerned about quality time than the actual numbers of hours spent. Bear in mind that most newborns sleep sixteen to twenty hours a day and do not even realise that mum is missing.

What about if they have decided to breast feed? Modern breast pumps are very good and milk can be saved for later if mum has to attend a business meeting or is unavailable. This means that it is still possible to completely breast feed whilst running a business.

In some ways the arrival of a baby can serve to motivate the mother even further to achieve more in business now that they are not just working for themselves

Some people will argue that it is not possible to juggle a business and still rear a newborn child successfully. I tend to disagree. Nothing could serve to make an ambitious female entrepreneur unhappy and suffer from post natal depression more than an enforced period of absence from the very business that drives them.

Have you had a child and had to work or run a business before & during the first year after birth? How did you cope? What issues did you face?

Naz Daud is the Founder of the CityLocal Internet Business Franchise Opportunity.Live Mortgage Leads
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The Best Kept Marketing Secret - Give Me 5 Minutes & I Can Tell You How Much $$ Is In Your Bank Account

Theres a huge myth out there that business is booming and everyone is doing just great. The truth is small business owners, sales people and entrepreneurs are just getting by. They have enough business rolling in to pay the bills and sometimes take vacation but they are not building wealth or financial freedom.

No, this is not an article about finances, although finances are the end result. Ive trained thousands of people in a number of countries and from this experience I have learned how to instantly identify how much money they are making. Thats because (heres the secret) the amount of money they are making is directly proportionate to the amount of exposure they are receiving. The old clich is true, sales is a numbers game and the way to create massive volume is by creating massive exposure. Yet, most people I train have only minimal exposure.

Just by asking some basic questions I can quickly identify how much money is in their bank account. I ask if they rely upon referrals to generate new prospects, if they purchase leads, do direct campaigns or any form of paid advertising. If they say yes to any of these, I know they are missing out on a lot of money.

In addition, I ask if they are tapping into the power of free media, doing joint ventures, and what their initial offering is in their marketing funnel. When that bewildered look appears on their face wondering what I am talking about, I again know they are missing out on a lot of money.

So ask yourself these questions and see how youre doing. If you are not raking in the bucks and your bank account balance isnt quite where youd like it to be, you need a marketing makeover. I will teach you 7 key non-traditional, zero cost marketing strategies that will help you generate hundreds of qualified leads per day. Notice I used the word qualified? This is essential because my strategies get the people who want what you have to come knocking at your door. Why waste your tie soliciting people who dont already want what you have to offer? Let them raise their hand and say pick me. Trust me, its a much easier close.

So how do you learn more about these cutting edge, free strategies? First, sign up for my free newsletter by visiting http://www.PowerfulProspectingTips.com. Once you do that, youll be taken to a secret page which will offer you a free 60-minute CD with in-depth details about these 7 strategies. I wanted to make it as simple for you as possible. Why? Because it took me five years in business to realize how easy it could be to generate rabid, hungry buyers. Thats five years of struggling, wasting time and frustration. Put my strategies to work and let me know in one month how much your business has changed. It all starts by visiting http://www.PowerfulProspectingTips.com.

Freedom Builders Ann Preston 770-452-3324
# # #

Ann Preston, Atlanta, GA U.S.Exclusive Mortgage Leads
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The Top Ten Antique Categories On eBay!

Knowledge is Power! And this statement could not be more true when it comes to selling on eBay. As explained in my book "eBay Marketing Wholesale SourcePak", being successful on eBay all depends on being in the right place, at the right time, with the right product. For example, did you know one of the most popular categories on eBay for buying and selling is the Antiques Category. That's right! People flock to eBay to locate treasures from the past. But what if we could know exactly what they are looking for? Just what kind of Antiques? Well I can help! Below you will find the Top Ten Picks of Antique Categories (at the time of this writing) as per eBay.

10 - Lace and Crochet Trim

9 - Medical Antiques

8 - Wood Picture Frames

7 - Knobs and Handles

6 - Linen Samplers

5 - Mixed Material: Picture Frames

4 - Roman Antiquities

3 - Silver Napkin Rings

2 - Locks and Keys

And the Number 1 Antique Category for "Hot Items" is...

Weathervanes and Lightning Rods.

There you have it! The Top Ten Picks of Antique Categories where potential bidders are surfing to find all those treasures from times gone by. If you sell Antiques on eBay, finding items that fit into one or more of the above categories will see your number of bids increase substantially. Always remember to do your research before listing any item for auction. Know what categories are "Hot!" Do a price analysis of your product. Know what the item costs you and what you can potentially sell it for. Then sit back and watch the bidding heat up!

Happy Selling!

Joe Clare

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Sports Provide a Welcome Outlet for the Disabled

In years past, a serious physical disability meant unemployment, isolation, and inactivity for many thousands of people.

No longer. While the Americans with Disabilities Act has opened up the workplace and public facilities to people with disabilities, many organizations around the country have sprung up, offering access to sports programs both for wheelchair-bound individuals and amputees with artificial prosthetic devices. Disabled people are experiencing the joy of participating in Alpine and cross-country skiing, all kinds of water sports from swimming to sailing to scuba diving, and even more extreme sports such as mountain climbing and sky diving.

The importance of both competitive and recreational sports for individuals with disabilities can't be overestimated. Particularly for formerly able-bodied people who find themselves disabled, sports can serve as a tremendous motivation in the rehabilitation process and can help alleviate the depression, confusion, and loss of self-esteem that often accompanies a debilitating injury. For those born with a serious disability, sports can serve as an important way of connecting to the "abled" world.

Competitive sports for the disabled are experiencing phenomenal success. The world-wide organization now known as the Paralympic Games was founded in Rome, Italy, in 1960, inspired by a 1948 competition organized in England for disabled World War II veterans. According to the Paralympic Games website, participating athletes compete in a variety of sports based on one of six disability-based classifications: amputee, cerebral palsy, spinal cord injuries, visual impairment, intellectual disability, and a general group including individual disabilities which do not fit into one of the other five categories.

Both summer and winter sports competitions give disabled athletes the change to compete in a variety of sports; the list of summer sports includes 21 different competitive sports, ranging from archery and cycling to equestrian, powerlifting and judo. Five competitions designed specifically for wheelchair-bound athletes include basketball, dancing, fencing, rugby, and tennis. The list of winter sports is smaller, but no less challenging: athletes can compete in either Alpine or Nordic skiing, ice sledge hockey, and wheelchair curling.

Children with physical disabilities have special challenges; they're dealing with sometimes substantial limitations at the same time that they are meeting all the other demands of becoming competent, balanced, emotionally and mentally healthy human beings. The National Sports Center for the Disabled (NSCD) offers opportunities for children to take part in a wide range of sports activities, from skiing, ski racing, snowboarding and snowshoeing in the winter to rafting, horseback riding, and in-line skating in the summer.

The Paralympics and NSCD are only two of many organizations founded to involve disabled individuals in sports. It's evident, from the success and increasing popularity of these organizations, that both adults and children with disabilities benefit greatly from participating in adaptive sports activities, and that the benefit extends to all aspects of their lives.

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