A Guide to Buying a Property in Poland

Overview

Being one of the first countries in the Soviet bloc to toss off the Communist yolk, Poland was well on the road to a more liberal economy with more participation by foreign nationals than other Eastern European nations were when the Iron Curtain fully collapsed. Foreign nationals have been investing in many segments of the Polish economy, including purchasing real estate of different types in the country.

Many foreign nationals have realized significant profits through the years by investing in real estate in Poland. Indeed, the buying and selling of real estate in Poland over the course of the past two decades has been brisk. Most industry experts who are watching the real estate market in the Polish Republic now believe that the buying and selling of real estate in Poland by foreign nationals will increase even more over the course of the coming decade. This will include activity by foreign nationals in the commercial, industrial and residential real estate markets in Poland

Investment Property in Poland back to top

As just mentioned, foreign nationals have been very active in the Polish real estate market for the past two decades. One area in which foreign nationals have been fairly heavily involved is in investment real estate.

Since the Communist government in Poland was ousted, the government of Poland has been active in its efforts to bring foreign investment into that country. As a consequence, the government has encouraged foreign nationals to put their money into everything from commercial real estate enterprises such as office buildings, apartment complexes and other residential developments and even in the construction of industrial properties in some of the major urban centers in the country. The trend towards the involvement of foreign nationals in the Polish investment real estate market is expected to continue onward unabated according to analysts considering the economy and real estate market in Poland.

Residential Real Estate in Poland - Single Family Properties back to top

Trade by foreign nationals in single family residential dwellings has been somewhat limited in the past couple of decades. While foreign nationals have been found buying single family dwellings in Poland, the demand by foreign nationals for single family dwellings has not been the most active part of the real estate market as far as foreigners are concerned.

With that said, there have been some foreign nationals who have family roots in Poland who have taken to buying a second residence within the country. Many of these people are men and women who had parents or grandparents driven from the country during the Second World War or during the period of time that Poland was part and parcel of the Soviet bloc.

There are many interesting and historic residential properties in some of the smaller and more rural communities in Poland. Some foreign nationals have taken to purchasing these properties. These residences do provide solid retreats from the workaday world and have been sought after by more well heeled foreign nationals who enjoy the challenge of renovating and remodeling real estate.

Some people from foreign countries have taken to buying these larger residences in rural locales and have turned them into inns which are being visited by foreign nationals on holiday. These types of inns are sprouting up across the country and are attracting more tourists into the country each and every year. In addition, this type of real estate investment has proven to be very profitable for foreign nationals .

Residential Real Estate in Poland - Apartments back to top

The residential real estate market in Poland, when it comes to apartments and foreign nationals, has done brisk business in the past twenty years. Foreign nationals have been found snatching up apartments -- primarily in Polish urban centers and resort venues -- for three primary reasons.

First of all, with the Communists out and a more open, democratic government in place, many foreign nationals have come to Poland to do business. Many of these foreign nationals have found themselves within Poland on business for an extended period of time -- and have found themselves making repeated visits into the Republic of Poland. In this regard, these business people have found it economical to invest in an apartment for their personal residence for the time they are present in the country on business.

Second, a notable number of men and women from foreign countries have purchased apartments in Polish resort communities. While the drive to purchase vacation or holiday property has been a bit slow in Poland -- which will be discussed a bit more shortly -- there are a growing number of people from foreign nations who have taken to purchasing an apartment in Poland for holiday or second home purposes.

Finally, there are foreign nationals who have purchased apartments in Poland to be leased or rented to other people, primarily other foreign nationals. These people, these foreign nationals who have purchased apartments for investment purposes, have done so to serve both people coming to Poland on holiday and people coming to Poland on business. By leasing apartments to business and holiday visitors, these particular foreign nationals have been able to generate a good income through the years through this type of apartment investment.

Holiday Property in Poland back to top

For the first decade in which Poland was independent of the Soviet bloc, tourism into the country was not a booming business. However, as time has gone forward, more and more foreign nationals are making Poland a holiday destination.

As a consequence, more foreign nationals each year have purchased holiday or vacation properties -- primarily in the form of apartments, but a growing number of free standing residences as well. Most real estate industry analysts predict that the number of foreign nationals who choose to purchase second home or holiday property in Poland will increase over the course of the coming decade.

Most of these experts anticipate that the biggest thrust will be in the purchase of apartments in resort communities in Poland. The experts maintain that these foreign nationals generally will be from European Union nations. There has been an increase in foreign nationals from non-EU countries who also have found themselves attracted to resort real estate in Poland at this point in time .

Mortgage Options back to top

When considering the options for a mortgage on your overseas property there are a couple of choices to consider;

Do you consider raising finance on your existing property in the UK to cover the whole cost of your purchase abroad? A good idea if the interest rate in the country in question is a lot higher than it is here in the UK as you will pay a lot less in monthly repayments.

Do you secure a mortgage against the property from a local bank in the country of purchase? This can be a wise option especially if the interest rate is lower than our current UK interest rate. Most overseas mortgage / bank lenders will require upto 30% deposit on mortgages. However, you will need to give some thought to how you will service your mortgage payments each month especially if you are not living or earning in that country as you may well lose out on exchanging money each time to cover monthly expenses. Check out our Foreign Currency page to see how you can save money in this example

Some Builders and developers may well offer their own mortgage facilities on their properties for sale. This can be beneficial to both parties depending on the logistics of the mortgage or loan facility. Always check and compare with the two options above before making your final descision.

For more details on Mortgages in Poland visit our Mortgage page in the Poland section.

Specific steps to buying real estate property in Poland back to top

A foreign national is permitted to purchase and own real estate in Poland. With that said, a foreign national must obtain the permission of the Ministry of Home Affairs of the Republic of Poland in advance of purchasing real estate in that country.

The application process before the Ministry of Home Affairs is not a particularly complicated process. Indeed, there are lawyers in the country that specialize specifically in this application process due to the growing number of foreign nationals who are buying real estate in Poland.

A company in Poland that has over 50% foreign ownership must also obtain permission from the Ministry of Home Affairs before that company can purchase real estate in Poland. Again, the application process for a company is not particularly complicated.

There are some restrictions geographically as to where a foreign national actually can purchase real estate in Poland. The Polish government restricts the ownership of real estate on the so-called Polish frontier. It is important for a foreign national to make certain that the locale in which he or she intends to purchase real estate in Poland is not within one or another of these restricted zones.

Approval from the Ministry of Home Affairs to purchase real estate in Poland generally is good for a period of six months. A person can apply for an extension when the initial period expires.

Once permission to purchase real estate is obtained from the Ministry, a buyer of real estate makes an offer to a seller, which will then be memorialized in a preliminary contract or agreement for sale.

Following the signing of this initial contract, the buyer is given a specified period of time to obtain financing. Additionally, the seller is obliged to make certain that the title to the real estate is clear and capable to being conveyed to the buyer during this time period.

In most instances, the buyer is required to post a deposit at the time this initial agreement is executed between the parties. More often than not, the deposit is in the amount of 10 to 15%.

The real estate purchasing process comes to an end when the parties execute the final agreement for sale and conveyance of the real estate. A new title is prepared, placing the real estate in the name of the buyer. The title is then filed with the government.

Once again, a foreign national does need to keep in mind that prior permission of the Ministry of Home Affairs is required before a foreign national can purchase real estate in that country. It is vital to keep in mind that if permission is not obtained by the Ministry in advance of the purchase of real estate, the transaction will be voided and the purchaser will lose his or her interest in real estate -- and his or her money as well

Property Abroad always recommends using a Solicitor or Lawyer.

Director of the webs number 1 property portal http://www.property-abroad.com/poland Les Calvert often writes information and articles for newspapers and websites on the overseas property market.Mortgage Lead Programs
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League Two Betting Review - 26 February 2006

A late strike from Simon Hackney kept Carlisle United at the top of League Two. An own goal from Derek Holmes gave hosts Barnet the lead after 53 minutes but Michael Bridges restored parity just 20 seconds later. Hackney netted the winner for the 13/10 Cumbrians with 15 minutes remaining.

Wycombe Wanderers remained level on points with Carlisle after a 2-1 win against Oxford United. Kevin Besty after 17 minutes and veteran Tommy Mooney on the hour secured the points for the 4/6 Chairboys while Yemi Odubades goal after 72 minutes was just a consolation for the Us.

Northampton Town consolidated third place in the league with a hard-fought win over Wrexham at the Racecourse Ground. The 7/4 Cobblers struck a decisive winners through Ryan Gilligan after 68 minutes.

Grimsby Town kept up the pressure on the top three and condemned Mark Wright to a losing start as Chester City manager. Gary Jones goal three minutes before the break was enough to secure all three points for the 8/13 Mariners.

Leyton Orient continued their promotion push with a narrow victory against Darlington. Shane Tudors goal after 13 minutes proved decisive for 4/5 Orient.

A Richard Hope own goal after two minutes gifted Bury a precious 10/3 victory at Shrewsbury Town, their first win since January 14 which sees the Shakers three points clear of relegation.

Drewe Broughton handed Rushden & Diamonds a relegation lifeline with a winning goal against Macclesfield Town nine minutes from time. Diamonds had two goals disallowed but Broughtons counted to earn a vital 6/4 win.

Stockport County failed to edge further away from the drop zone after slipping to a 1-0 defeat at home to Stockport County. Julian Joachims header after 67 minutes for the 11/5 Pilgrims proved decisive.

Mansfield Town sent Torquay United to the bottom of the league with a 2-0 win at Plainmoor. On loan Sheffield Wednesday striker Danny Reet broke the deadlock after 11 minutes and Simon Brown secured a 19/10 victory with seven minutes remaining.

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The Growing Market of Cyber Crimes

When you thought you have seen it all, and when our government authorities thought they have exhausted all possible defiance of rules of conduct and have them punished, then comes another species of running counter to widely accepted norms in the society. Meet cyber crimes.

With the advent of advanced technology, almost all, if not all of the transactions of people in the society are routed through these mechanisms. Not only because they very accessible, but also convenient, and expedites the process to so many folds. So convenient in fact, that the reliance of mans transactions to it is so massive that sometimes even issue on privacy are already left unnoticed.

As like any other crimes, cyber crimes are acts which are in defiance of a rule of conduct set forth in the society. The act, if it were not for the fact that it was committed using an abstract medium would have been punishable as like any other crime. Legislations have been passed trying to find restitution and remediation for these crimes committed, penalties that range from imprisonment, to payment of fines and damages. The question though still remains, whether or not there is sufficient safeguard in avoiding the occurrence of the same. There can be an entity that would police such event and keep peace.

The illegal use of Social Security Numbers has been abundant in our recent technological state. People are more growing confidence on the fact that personal details such as Social Security Numbers may be given freely over the net, under the belief that such act is safe and would not in anyway be detrimental on their end. This sweeping generalization is devoid of merit. Of the number of cyber crimes we have so far, the illegal utilization of a persons Social Security Number ranks at the top. With an unauthorized access to a persons Social Security Number, benefits that are to be given to an individual may be taken by another person, the worst scenario is that it may be a key in using credit information of an individual to make loans, or incur debts. Hence, we must be cautious in placing these information over the net. If not you may be the next victim of a cyber crime.

Atty Gabriel Cosh is a legal advocate and a practitioner of law for over 10 years now. He is also an expert in the field of social legislation and personal injury cases.Mortgage Lead Programs
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Why Go Offshore?

Introduction - Today we read about a large number of people from a variety of different countries going offshore. By going offshore we mean opening offshore bank accounts, forming offshore companies and offshore foundations in tax haven countries. Some are even opening offshore stock trading accounts. This sort of activity and gets a lot of people wondering why all this sudden excitement over offshore banking and offshore corporations. Well try to provide some answer.

Taxes Most people think the rush to go offshore is to avoid taxation which would in their minds explain why most are going to tax haven countries to form their offshore corporations and open their offshore bank accounts. A tax haven country is a country where offshore derived income is not taxed. The jurisdiction will usually look towards taxation on imported goods to derive their tax base. Generally a tax haven jurisdiction such as Panama will also not have any capital gains tax, no inheritance tax and corporate taxes are generally fixed in the form of a few hundred dollars that is paid each year as the filing fee for the corporation. Some countries allow people to earn money when offshore or out of their country tax free and other countries allow for partial exemptions and others offer no break of any sort. We do feel that people are going offshore for reasons other than tax avoidance or minimization. We often see large corporations are shifting their activities outside of their home country for reasons other than taxation although taxation is probably in there as a determining factor as well. Their operating expenses are so high there are precious few net profit dollars left to be taxed. These companies are trying to stay competitive in their market and are choking on the expenses associated with employee wages, employee benefits, employee medical plan premiums, litigation insurance premiums, discrimination lawsuits, unjust termination lawsuits, retirement benefits, disability insurance premiums, unemployment insurance premiums, and standards for health and safety imposed by their respective governments in the workplace which then brings us to high costs associated with office space. Few if any of these expenses follows the large corporation when they move offshore. Taxes tend to come into play but that is only one small piece of the equation. Today we see a large amount of phone rooms coming to Panama. These are usually not new jobs being created, they are jobs moving to Panama from other countries. These jobs are generally customer service jobs, support jobs and soft sales jobs where the salesperson offers more explanation than sales pressure. The companies tend to save in many ways enabling them to be competitive and offer a competitive level of service to their customers. Of course the effect of companies moving from the large North American and Western European countries is damaging to say the least to those economies they are departing from.

Privacy Concerns Let us look at some of the reasons why people move their assets to a offshore tax haven that is also a privacy haven like Panama.

1) Tax Haven Status These people already under the burden of taxation from many of their home countries do not want additional tax burdens. Contrary to popular belief most of the money moving offshore has already been taxed by the various home countries and if there are additional taxes it would be too burdensome. They want to be free of additional taxes.

2) Privacy People like to be as private as possible in their financial affairs. How many of you would stroll through any major city of the world today openly displaying a solid gold Rolex full of diamonds along with a nice large diamond ring? Not too many! Why? Because you do not want to run the risk of becoming a victim of robbery or assault. So what do you think is different about having expensive real estate in your own name, boats, planes, bank accounts etc. Nothing is different. People with large amounts of assets are a target and they have every right to keep there financial affairs as private as possible and in many countries it is essential to their health.

3) Kidnapping In many countries kidnapping victims are selected based on real estate holdings. The advantages to putting real estate in the name of an anonymous Panama bearer share corporation are obvious. When people look up the real estate they can not tell who the natural persons are behind the corporation that owns the real estate. In Panama the owners of the stock of a bearer share corporation do not appear in any public registry or database. When it comes time to sell the real estate the corporation that owns the real estate is sold, not the real estate. This prevents would be kidnappers from following real estate sales reports to look for potential victims thus protecting the subsequent owner. The same applies to the ownership of a yacht or an airplane. Another popular method of determining who is a good kidnapping victim is to have a bank employee on the payroll who scours through the files at the bank finding wealthy people for you. If you live in one country and bank say in Panama this doesnt work very well since the kidnappers would need to cultivate bank employees in Panama who could isolate victims for them in their own country. This narrows the field quite a bit especially when you take into account that in Panama a bank employee is risking a felony to violate bank secrecy which is far from the case in many other countries that routinely complain about bank secrecy and offshore jurisdictions.

4) Identity Theft Of course the prime identity theft target is one who has wealth and thus is capable of carrying large amounts of credit. With generally non existent bank privacy let alone secrecy in many countries scoundrels are free to roam through credit reports with bank details, credit card details etc and plan a devastating identity theft attack. These crooks even order private detective reports on their victims to really learn as much as they can about them. Of course the public records databases are all too accommodating providing details like drivers license records, who owns the loan on their house, cars, boats etc, what credit cards they have and so forth. Credit bureau secrecy is non-existent as evidenced by the vast amount of identity theft and credit card fraud. Offshore banks in Panama and other offshore privacy jurisdictions due to bank secrecy do not report to any credit bureaus. If you do not need credit why have regular credit cards. Use offshore bank debit cards that just sweep the money directly out of your bank account and thus you stay private with how much you spend and how much credit you have not appearing in any credit reports. The history of your purchases would also be immensely harder for say a private detective to get from an offshore bank, they seem to have no trouble getting this date from regular banks in many countries.

5) Frivolous Litigation In many countries lawyer can operate on contingency and like to sue those who have deep pockets. The best way to see how deep a persons pockets are is to run an asset check on them. If their assets are all private like they bank in bank secrecy jurisdictions like Panama, have real estate owned by anonymous Panama Foundations or anonymous Panama Corporations then the asset check will come back low on assets, probably too low to invest a lot of time and money in frivolous litigation. This also keeps the persons assets free of pre-trial attachment which is a favorite trick of unethical attorneys that is allowed in most of these non-privacy jurisdictions.

6) Privacy Some people just want to keep their affairs private and they should be able to do just that.

For more information on asset protection go to http://www.panamalaw.org

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Refresher Course for Women on How to Win an Argument With a Man

Okay, most of you are going to say -- I win all my arguments with him, I don't need a refresher course. Sure, that's what he wants you to think. But I've been reading the courses available for men on how to win arguments with women, and I have to tell you ladies, we might be in trouble. Have you ever noticed that even after you win the argument, he goes and does the same thing yet again? Is it because he hates you? Is it because he wants a divorce? NO. It's because he wasn't listening when he nodded his head at you; he was just trying to get you to shut up. It means he's been reading those articles too, and that means Trouble.

We don't want to lose our edge here, girls. So, for those of you who haven't quite finessed the art yet, and for those who've become complacent over the years, here is a quick refresher course.

It is, of course, best to nip the head-nodding response in the bud. The first time he ever nods his head at you and says, You know what? You're right. Smile at him and say, I knew it. What do you want to name her? You'll have his undivided attention for the rest of your life. If it's too late for that, and you've already married the bastard, then the next time he does it, smile at him and say, I knew it. I can't wait to tell your mother. You will have his undivided attention for at least another two to three years.

Now that you have his attention, argument two should go much more smoothly. Every time he disagrees with you, add a different topic to the conversation. It will confuse him, distract him, and give you the upper hand in a REAL way. E.g.: He says, I was in my underwear 'coz I don't expect people to just walk into the house unannounced. I was happily drinking beer and watching the Braves. How was I to know your mother would come charging in here? Don't take the bait -- this is his attempt to change the subject. Steel yourself and say: The Braves? Who cares about the Braves? NOW, you're in the lead. He, of course, has to defend the best baseball team in the world. And we all know how to respond to this one, right? You say, Yes, you're right, except for the Dallas Cowboys. While he uses up his energy explaining the subtle differences between football and baseball, all you have to do is bat your eyelashes and wait for him to reach the boiling point of frustration. This is the moment to get back to the real point, Can't you at least put on a pair of shorts while you're guzzling your beer in front of the TV? -- and quickly insert You know, your mother loves the Cowboys. Trust me, you've won this argument.

And lastly, don't ever forget, whenever you're making a point, always add something at the end that insults him a little bit. E.g. Yes, we are lost. You never admit it when you get lost. If you had really huge balls, you'd admit that we're lost. This way, he has to stop and wonder why you don't already think he has enormous balls, and once men start thinking about that part of their anatomy, they never get back to the argument. You will not only have won the argument, but also have gotten the upper hand in the next three to come.

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7 Dos and Donts Before You Buy a Home

Before you get wrapped up in the excitement of buying a home, you need to prepare for things you may run up against in the mortgage application process. Following the steps below could save you tens of thousands of dollars or even mean the difference in whether you can buy your dream home or not.

1. Do - Pull Your own Credit from all 3 Bureaus and review thoroughly. Be sure and look at any public records like judgments, bankruptcies and tax liens. Sadly, many companies are quick to add negative items to your credit report but are slow to reflect the fact that you have satisfied them.

2. Do - Challenge and have any errors corrected on your report on ALL 3 bureaus. You can do this through the three bureau's websites. They are www.transunion.com, www.equifax.com, and www.experian.com.

3. Do - Put together a budget to figure out how much house payment you can afford. Be sure and include 1/12th of your annual taxes and property insurance. Also, be sure and consider how you would cope if you had a drop in income such as one spouse loosing a job. Just because a lender or mortgage broker says you qualify for X price home does not mean you should buy a home at this price.

4. Do - Think about your needs and don't get caught up in buying a home just to 'keep up with the Jones'. As a part of this evaluation be sure and consider 1) School systems, 2) Commute time, 3) How quickly the home would sell if you had to sell it quickly, and 4) Any money needed to fix up the home to suit your needs, particularly if you borrow all or nearly all of the purchase price.

5. Don't - Borrow significant money right before you buy a home. This includes cars, credit cards and personal loans. If you just have to buy a car, wait until after you buy the home. The extra debt can cause you to qualify for less home than you would without the debt. I can't tell you how many people that could not qualify for the price home they wanted because of a recent car purchase. Deciding to buy a cheaper car after you bought a new home is far better than the other way around as a car depreciates dramatically and most homes increase in value. Plus you should get a tax deduction on the interest.

6. Don't - Change from being salaried (W2) to being self employed at least a year and in most cases 2 years before trying to get a mortgage to buy a home.

7. Don't - Pay off old judgments or old collections to try to improve your credit score. Often times this will LOWER your scores. If the lender requires you to pay these off or you just want to pay them off, you can do it during or just before or after closing on your home.

Planning ahead when buying a home can make the process much smoother, less stressful and save you a lot of money. Happy house hunting!

Ron Stone is a mortgage specialist helping people with less than perfect credit to obtain a mortgage. For more tips and information about the process of obtaining a mortgage visit him at http://www.alabama-mortgage-specialists.com Exclusive Mortgage Leads
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Article Marketing - 4 Different Types of Article

Article marketing is a powerful way to build traffic to your web site. Yet many people give up on article marketing after just a few articles because they are become stuck on what to write next.

There are two ways to quickly come up with new articles. One is to brainstorm new topics. The other is to diversify by writing different types of articles. Pick up any of your favorite magazines and you will see that they publish a variety of types of article.

Here are four popular types of article you can write.

The List Article

This is one of the easiest types of article to write and that is one reason why it is among most common types of article published online. A list article lists several related pieces of information. Here are a few examples of a list articles:

"10 Energy Saving Tips for Winter"
"5 Fruits to Boost Your Bodys Resistance"
"Asias Top 10 Honeymoon Destinations"
"Natural Remedies for Insomnia"

List articles need to have:

- An introduction.
- The list with a paragraph or two for each item.
- A conclusion.

The 'How To' Article

A "How to" article explains to your reader how to do something. Examples of "How to" articles include:

"How to Drive Traffic to Any Web Site for Free"
"How to Keep Your Tomatoes Alive"
"How to Install a New Hard Drive"
"How to Download Unlimited Music Files Legally"

This type of article is popular because people just love to learn how to do something new.

The Review Article

What is one of the main ways that people find out about which new products to buy, and which to avoid? They read review articles. A review article is the result of someone reviewing a particular product or service and then writing a review about it.

There are several slightly different approaches you can use for review articles but here are the essential items that must be included:

- What does the product promise?
- How well does it deliver on that promise?
- Is it good value and if so, who should buy it?

The Roundup Article

In a roundup article you provide a summary or roundup of information from a variety of sources. It can be a combination of general facts, statements, and opinions. For this type of article a writer will usually interview several experts, then round up the answers, something like this:

Michael Wetherby, Managing Director at Becketts Consulting, is confident his company will be able to cut three months off the project timeline as a result of using Picadillys new software. There is no doubt that it is going to reduce our development time by fifty percent, he predicted. But Bill Petersen, at Drone Associates, is not so certain about the softwares efficiency. He explains why

So, the next time you are struggling over what you could write next, take a fresh look at these different types of articles. I bet you could write some new types of articles on topics with which you are already familiar. By diversifying the types of articles you write your writing will develop a greater depth and there will be even more demand for your articles.

Daniel Moro has been successfully building online businesses for ten years. Download your free report on '10 Remarkably Effective Traffic Building Techniques' at http://www.DanielMoro.comMortgage Lead Transfers
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Decision Finance

Decision Finance was formed in early 2000 and is the trading name for Xbridge limited an online commercial, business, and financial intermediary for small to medium sized businesses.

DF has the backing of Prudential PLC, Boston Consulting Group and Linklaters and Alliance, so you can be sure that with Decision Finance loans, you are being protected by some of the leading names in the financial industry. Over the years, as the needs of customers have grown, so has Decision Finance by offering ever increasing services to those in the small and medium business size brackets. Finding financial services on smaller scales can be difficult or worse, highly expensive, making them virtually impossible to afford for companies without a large profit margin. Decision Finance offers just about every type of financial service and insurance a growing business needs. This article provides an overview of the services they offer.

When it comes to business, having insurance is a necessary business expense. There are a number of options available for business owners. These insurances include public liability, landlord, professional indemnity, employer liability and wehicle insurance.

Decision finance loans are also available in both business and personal. There is a Decision finance loan for buy to let, and commercial options. If you are looking for a secured or unsecured personal loan, then Decision finance loans are also available. DF also offers lines of credit in the forms of credit cards if you need less than the Decision finance loan options available. Many business or personal loans have a set minimum limit: anything below that amount they will usually offer a credit card to provide the necessary loan.

Secured loans offered by Decision finance are loans where some form of collateral is required to be attached to the loan. This means that your property could be secured against the loan amount so that the lender would be able to reclaim any money owed if you default on your repayments. Decision Finance also offer unsecured loans which do not require collateral as security... however they will usually have higher interest rates and stricter guidelines.

If you are looking into options for a business rather than personal loan, Decision Finance loan options are open as well with commercial mortgages and buy to let options. Speaking with a representative of Decision Finance directly will provide you with more information on the details of these types of loans. If you are running a small business, it is usually more cost effective to try to get a buy to let mortgage which allows renting with the eventual purchase of a particluar property while a medium sized business may look into full-blown commercial mortgages in order to purchase space.

Which ever option you choose and whatever you are looking for Decision finance has options that can help you with your business needs. Remember though that Decision Finance also offers insurance as well as loans for both business and personal use as well as credit card services for those in need access to lower credit amounts.

Don Whiting writes for a number of finance websites such as http://www.loan-seeker.co.uk.Live Mortgage Leads
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6 Reasons Why You Should Use Magnetic Mortgage Signs

6 Reasons Why You Should Use Magnetic Mortgage Signs

One of the best decisions you can make if you're originating mortgages is to invest in a quality set of magnetic car signs. Now...I know what you're thinking...you're not sure you'll like the look. Well, if that's true, you need to shop around a little bit and have a real professional, design and create your signs.

Before you click the "back" button or the big red "X" to close this subject for ever, let's take a minute and review some of the advantages of using this type of advertising:

1. This is a non-reoccurring expense. Just make a single one-time purchase payment and the signs are yours. There's no need to make a payment each and every month as would be required with a continuing classified ad in a newspaper or real estate magazine.

2. The signs are removable. Today, many homeowner, condo, and townhouse associations restrict and/or specify what types of vehicles and advertising is permitted in the complex. Since magnetic signs are easily removed...this solves the problem. It only takes seconds to add or remove your advertising from your vehicle.

3. Your signs can be attractive and eye-catching. Isn't that the whole purpose of your advertising? You want to stand-out from the rest and have your message noticed. Here's the key...spend some time planning the layout of your signs. Don't leave it entirely to the sign company. You know the mortgage business and the message you want to convey. You need to be 100% pro-active in the design phase. Remember to request and then review a proof before your signs go into production.

4. Your signs are low maintenance and have a long life. Yes...just follow the instructions that come with your signs. Every sixty days or so, the signs need to be removed, cleaned with warm soapy water, and then air dried. My signs have lasted for years and are as good as the day they were purchased.

5. This is a great low-cost...low-budget...mortgage origination idea. We're not talking about hundreds of dollars here. The last time I checked my local "Sign-A-Rama" franchise, the cost of a set of two (2) magnetic signs to include design layout and proof was about $80 plus tax.

6. Your signs generate an immediate response. You don't have to wait for publication dates and delivery dates required with other forms of advertising. If you've got a good message...you'll get calls immediately. Many times I have even received phone calls from people driving next to me wanting to know if they would qualify and seeking more information.

Now that's what I call an immediate response! Believe me...the signs do work and they are well worth your investment. Most calls you receive will come in that evening, which is still a great response. Your signs will pay for themselves many times over. Go for it!

Hmmm...just think...with such a nominal cost...and, if your friends and family would help...you could have a whole fleet of cars running around town displaying your mortgage message and cell phone number. Not bad! Not bad at all!

Tom Domin is the author of "Tom's Mortgage Tips" a twice monthly Mortgage Newsletter that is geared for Mortgage Professionals. You can sign-up by visiting http://www.mortgagemarketingtoolkit.com.Exclusive Mortgage Leads
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Buyer Beware! 3 Foreclosure Scams and How to Spot Them

If at any time the adage of Let the buyer beware were applicable, it would certainly be when a homeowner is experiencing foreclosure. Distressed homeowners undergoing foreclosure are often approached by less than ethical business people (lenders, financial advisor and/or realtors) that are more interested in their own financial gain than helping the homeowner to get out of foreclosure.

A homeowner should be very wary of such too-good-to-be-true offers and keep in mind that each foreclosure situation is unique to the individual homeowner. While some homeowner's may be seriously in debt, unemployed and overextended, others may have enough equity and credit to be able to sell their home or restructure their loan. The first rule of thumb a homeowner should determine to do is to explore ALL their options, this would help them avoid or be tempted by some of the following foreclosure scams.

Equity Stripping or Skimming

In this type of scam, a "buyer" approaches the homeowner, offering to assist the homeowner out of financial trouble by promising to pay off their mortgage or give them a sum of money when the property is sold. The "buyer" may suggest that the homeowner should move out quickly and deed the property to him or her. The "buyer" then collects rent for a time, does not make any mortgage payments, and allows the lender to foreclose. Remember, signing over your deed to someone else does not necessarily relieve you of your obligation on your loan. A homeowner may find himself saddled with the loan he thought he had signed off on and therefore, in a worse financial situation then the previous one he or she was experiencing.

If the home has a lot of equity in it the "skimmer" will sell the home, pay off back debts on the home, and keep the equity the homeowner could have had if they had sold their home themselves.

Straw Buyer

A straw buyer (usually a person with good to excellent credit) is usually offered a payment, often several thousand dollars, for the use of their name and credit information to make a "false purchase". A straw buyer may or may not know that their name will be on the mortgage application. Straw buyers are also used to sign documents that contain false information. For example a straw buyer might sign something that states that the purchaser intends to live in the property when they really have no intention of doing so. If any document is signed that states the property is worth a specific amount, but the straw buyer has never seen the property, they are committing fraud. If the lender asks if the down payment came from the straw buyer's own funds and he/she answers dishonestly, this too would be fraud.

After a straw buyer takes title to the property, the originator of the scheme, be it a realtor or loan officer behind the scheme usually assumes the mortgage and the title to the property. However, a straw buyer may still be responsible for a mortgage even after someone else has assumed it because it was obtained fraudulently.

It is a criminal offence to obtain credit under false pretences. If payments are not made on the mortgage, the lender will foreclose on the property to recover their losses. The straw buyer could be sued for the difference between the amount of money received from the sale of the property and the amount of money owed on the mortgage.

Signing Over Their Deed

A distressed homeowner having trouble keeping up with the mortgage is pursued by another lender, who tells him it's necessary to deed the house over to him in exchange for new financing. Often, the money never comes, and the scam artist sells the property to someone else. Don't ever sign your deed away!

In addition, a homeowner should beware of solicitations either by mail or phone from counseling agencies that charge exorbitant fees to assist them. Some groups calling themselves "counseling agencies" may approach the homeowner and offer to perform certain services for a fee. These could very well be services the homeowner could do for themselves for free, such as negotiating a new payment plan with the lender, or pursuing a legitimate pre-foreclosure sale. Review the legitimacy of these businesses with the Better Business Bureau or other federal agencies.

Some general tips a homeowner should keep in mind is to call or write their mortgage lender immediately and be honest about their financial situation. Many lenders have programs to assist homeowners in financial distress. Also, the homeowner should make sure that they stay in their home to make sure that they qualify for such assistance. Most importantly, a homeowner should explore ALL their alternatives before taking any action.

Nef Cortez has been a licensed real estate broker and has held various positions in the mortgage and real estate industry for over 25+ years. Visit his website at http://www.nefcortez.com for information on foreclosures.Exclusive Mortgage Leads
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Energy Savings by Use of the Correct Spray Nozzle

Rising production costs and fierce competition is resulting in manufacturing companies looking at all aspects of savings, especially energy savings.

Spray nozzles of the right specification can lead to significant savings in both energy and raw materials.

One of the overlooked areas is the use of the correct spray nozzle. Whilst frequently ignored in the manufacturing process, it is often this item of equipment that is the most important. Header tanks, pumps sophisticated controls, pipe work are all immaterial if the spray nozzle at the sharp end is not delivering the right amount of fluid (flow rate) at the correct spray angle and with the right spray pattern. This can lead to excessive wear on the pumps and ancillary equipment resulting in higher energy consumption and related costs.

The phrase it sprays, is often used, but how effectively is often not considered.

In addition to these more obvious savings there are a many hidden savings to be made.

Expensive down time and failed equipment could be contributed to poor nozzle performance.

Production lines designed to operate continuously are expensive items if shut down owing to badly performing spray nozzles and this failure could affect the total production plant with the resulting unsuccessful distribution to customers, which in turn may affect their production.

All this from the wrong or poor performing spray nozzle!!

The correct spray configuration is essential to maximise the spraying operation and continuous spray nozzle development will lead to greater beneficial savings.

In addition, the wrong or worn out spray nozzle will eventually lead to poor finished products and possible rejection of expensive products. This could result in extra production to make good these shortfalls, with the resulting increase in energy costs. All this will reduce profit margins.

Initial investment will be required to introduce the correct nozzle, but payback can probably be counted in months and in some case weeks.

As an ongoing maintenance program, substantial savings will be made by regular inspection and maintenance of the spray operation and possible replacement when nozzles become worn, through blockages, corrosion, wear and accidental damage

Regular maintenance of the spray nozzles must be undertaken to ensure the nozzles have optimum spray performance.

All nozzle configurations should be analysed on a regular basis to ensure that the spray pattern, flow and operating pressure cannot be improved upon, possibly with new nozzle technology, or the fact that the application process has not changed. The latter being the case then a new specification should be sought.

As well as energy savings, raw material savings must also be taken into consideration and it is feasible to experience water reduction of up to 40% in certain industries and spray nozzle applications.

Also to be taken into consideration must be the application where the spray fluid is not water, but more expensive chemicals or fluids. With correct nozzle design even greater savings may be achieved.

Energy savings can be made in pump operation and it some case it is possible to reduce the number of pressure pumps, thereby saving considerable operating costs and associated maintenance cost.

To summarise, energy savings, raw material savings and a reduction in the wear and tear of other equipment can all be experienced if the correct spray nozzle is specified.

The specification must include nozzle material, spray angle, spray pattern, flow and pressure. With all these set correctly a regular maintenance programme should be undertaken. With the correct specification and maintenance schedule then energy and raw material savings can be expected.

Roger Wakefield is a staff writer at: ICS Spray Nozzles, (http://www.icsindustrialservices.co.uk), a manufacturer of tungsten, sapphire and diamond spray nozzles.Live Mortgage Leads
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Home Remodelling Loan And Checklist Before Picking A Home Remodelling Loan

On one weekend, a Saturday in particular, I decided to attend a seminar on home remodelling. I Usually prefer to call it home renovation. It was basically for the elderly people.

Am not in the elderly bracket but I decided to attend anyway because I was feeling a bit lonely and wanted to be occupied. On looking around the room, I saw that most people were in my age group.

Think it is because they have to meet most of the cost for refinancing the renovation of the home of their old ones.

This seminar turned out to be good to me and at the end I was convinced it was a good take.

In this seminar, it was revealed that research so far shows this:
It will probably cost anywhere from $100,000 to $150,000 to do a good renovation of a house for the elderly. This seems a staggering amount, until you consider that it would cost them from $3,000 to $5,000 per month if they were to rent a unit in a retirement facility in a location where they might not be as happy. Looking at it from that point of view, in four years or less, they would have spent the money anyway, and at least making home improvements allows them to continue to live in the same location and keep their asset.

The biggest challenge many older adults face when renovating their homes is how to pay for them. Many are on fixed incomes with few resources. Their property may have increased in value, but they are cash-poor.

During this seminar, a flyer was distributed that provided a telephone number for the city and county Elderly Affairs Division Rehabilitation Loan Program. Many cities have similar funds available as a means to assist individuals to stay in their own homes, rather than move to more costly facilities.

I learnt that the loan program was available to a person or family requiring home modifications, based on a health or safety need. The home loan program required that an application be submitted with information about the number of persons living in the household and their combined annual income. This information was then used to determine the interest rate for the loan. For example, for combined incomes of less than $41,000 or so, the interest rate was 2 percent; for less than $52,000, 4 percent; and so on.

Another thing I learnt is that you can also have an option, which is that of a reverse mortgage. A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her own home into cash. The equity built up over years of home mortgage payments can be paid to the owner, but unlike traditional home equity loans or second mortgages, no repayment is required until the borrower no longer uses the home as the principal residence.

Reverse mortgages are available through different lenders, as well as HUD. There are some property restrictions, but single-family homes, two-to-four-unit properties, condominium units, townhouses, and some manufactured homes are eligible. Generally, the greater the value of the home, the older the owners, the lower the interest rates, and the more one can borrow. This is good news right now, with interest rates so low, and it is an opportunity for your patients who have a higher annual income that disqualifies them from other programs. And if they live in an area of the country where land or home values are traditionally higher, such as Hawaii or New York, it may be the best option available for refinancing.

Given the sheer amount you have to invest or borrow, here is a checklist before you decide on any renovation project.

Consider the following before you decide how to finance your home improvement project:

-Talk to lenders about your options.

- Know that lenders are concerned about income, debts, credit history and property value.

-Consider a secured loan when you want to borrow more money, get a lower interest rate or reduce taxes.

-Refinance an existing loan if you have enough equity and if the rates are two points lower now than when you initially borrowed the money.

-Use a home equity line of credit that is secured by your home so youre your interest is tax deductible.

-Take out a home equity loan to get fixed rates and payments.

-Consider a homeowner loan that is secured by your property. Use a value added loan when the improvement you make will have a substantial impact on the market value of your home.

-Do your research before using contractor financing.

Good Luck

Get more information on home loans and loan consolidation by Lubowa.M.Planet. Visit http://www.softerdreams.orgLive Mortgage Leads
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Affiliate Programs - Making Money With Your Website

Affiliate programs have been around since the burgeoning of the Internet. An affiliate program is a revenue sharing program where an affiliate web site receives a portion of income for delivering sales, leads, or traffic to a merchant web site.

Affiliate programs have grown today to become one of the most popular ways for you to earn an income from your web site's traffic, reports ClickQuick.com. Most affiliate programs are designed to allow you to simply set up and begin earning commissions on visitors and sales you refer. How much money you can earn depends on the number of visitors to your site and on how many of them click on the text ads or banners that lead to the merchant site.

When you join an affiliate program, you receive a specially formatted URL that allows the merchantor a 3rd party service providerto track the traffic coming from your site and to determine when a commissionable transaction has occurred for which you should be paid.

Many programs, so choose wisely

There are hundreds of affiliate programs to choose from. The variables to compare when considering a program include: commission rates, frequency of payment, and if there is a minimum dollar amount required before receiving a check. Be sure you understand how they track leads and determine sales. Are you being paid per-click, per-impression, per-lead, or per-sale?

Look for programs that have been around for a while and that have a large network already in place. Avoid any programs that require a fee to join.

The most popular programs these days are the pay-per-lead type, primarily because thy do not require a purchase to be made in order for a commission to be earned. Most pay-per-lead programs offer a free service or product, and although they usually pay lower commissions than pay-per-sale programs, they often have more conversions, which mean higher overall payments.

A good example

One industry that pays consistently high commissions for quality leads is the mortgage and home loan business. Take for instance the Easy Home Equity Mortgages Affiliate Program, www.easyhomeequitymortgages.com/affiliate_program.php. EHEM pays for completed leads (form submissions) for a variety of loan types: mortgage refinancing, second mortgages, home equity loans, and debt consolidation loans. They specialize in bad credit loans that other lenders might reject. This means they accept more leads (and pay more commissions) than many other affiliate programs.

EHEM is an example of a two-tier system. They pay commissions to both the affiliate that refers a lead and to the person who referred that affiliate to the program. They train affiliates, provide tech support, and supply all the needed text links and banners. Their program features:

* no start-up fees
* $21 per-lead payout
* 25% second tier payout
* high conversion ratio
* 1-page simple form
* timely commission payments

There are several online directories where you can research and compare various affiliate programs, such as: Affiliate Guide, 5-Star Affiliate Programs, and Affiliate First. If you are looking for a time-effective, no-risk way to earn cash from your website or e-newsletter, affiliate programs could be just the ticket.

Mike Hamel is the author of several books and articles. His material is featured on sites like http://www.easymortgagerefinancing.com.Live Mortgage Leads
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Paul's Hot Stock Picks For July16th Thru July 20th

This week's hot stock pick, Terex Corp (TEX), like Cummins (CMI), manufactures equipment for construction, infrastructure, quarrying, mining, shipping, transportation, refining, and utility industries worldwide. Terex carries earnings and relative price strength readings in the high 90s according to IBD, it resides in a solid A+ rated industry group, and enjoys a B rated accumulation by institutions. We might note that even Cramer likes this stock pick, and it was up $2.32 in after hours trading.

PAUL'S MARKET COMMENTARY FOR THE WEEK:

The major market indexes with plenty of our leading stock picks in tow blasted higher for the 2nd straight week in a row last week. Indeed, June was marked by gloom, and the market indexes notched several distribution days, which at times cast doubts on the markets current rally. But with July, the storm clouds disappeared and leading stocks have roared higher. In fact, Thursdays big up day was the biggest up day for the Dow in years. Despite the markets success, the contrarian put-call ratio, which measures the number of bearish puts versus bullish calls shot .99 higher, on Tuesday, indicating that skeptics remain, but this skepticism is exactly what propels the market higher. When everyones bullish, then its time to start worrying. So alls well as we enter the heart of earnings season next week, but as always, lets see how the flow of earnings measure up to Wall Streets expectations. As for economic news, look for the New York State Empire State manufacturing index on Monday morning, the sure-to-be-closely watched producer price index (PPI), and industrial production/capacity utilization on Tuesday morning, then the very important consumer price index (CPI), building permits/housing starts, and crude oil inventories on Wednesday morning.

FEATURED STOCK PICK HIGHLIGHTS FOR LAST WEEK :

Leading stock picks blasted still higher last week, with some stocks moving a lot higher even before their scheduled earnings release dates. Featured stock pick China Medical (CMED), whose earnings date is long past, blasted out of its base, and zoomed almost $2 above our buy point. Stock pick Apple (AAPL) continued its current run, and now sits over $10 above our buy point. Google (GOOG) burst through our latest buy point and tacked on $12.76 for the week. Proverbial mover, Research in Motion (RIMM) tacked on another $12.01 to its recent gains last week. Baidu.com (BIDU) was up $15.24 for the week. Then there was stock picks like Carpenter Technology (CRS), blasting over $4 above our buy point last week and Applix (APLX), Creditcorp (BAP), Shanda Interactive (SNDA), Bankrate (RATE), Manitowoc (MTW), Mobile Telesystems (MBT) and others breaking out and/or moving higher too. As we enter the heart of earnings season, be mindful of any stocks you are currently holding, which may be due to announce, as the market can deal harshly with stocks whose earnings come up short.

For many more hot stock picks and exact buy points, please visit: http://www.StockConfidential.com/

Paul Johnson is the publisher of Stock Confidential, a newsletter featuring hot stock picks that is sent via email to his subscribers every Sunday and Wednesday. Paul has also written several stock trading, real estate and internet entrepreneur ebooks.Mortgage Lead Transfers
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Website Marketing: a First Glance

I recently started working as a consultant for MarketFinders, a Ventura County/ Santa Barbara marketing company in Southern California. Lynn Sarkany, founder and principal, communicated her interest in knowing more about web marketing as the interest in this "arcane art" is exponentially growing.

I said "arcane art" because, unlike conventional marketing, the approach can be quite different and unpredictable. In this article, I will review a few things that should or shouldn't be done in order to improve your site's prominence.

Let's assume that you do not have a website. Your first task is to hire a professional designer. Why do you ask? You could use one of those great designing programs, right? Well, you may have heard this before and it's not a myth: most of these programs generate unnecessary code that does not need to be there and may very well hurt your website. Search engines do prefer up-to-date clean code and a professional web designer is one of the most qualified people to do this. With a strong structure, your site will also be liked by spiders and bots (these are the programs gathering info for search engines) thus making it easier for it to be ranked at its value (given the algorithm used by the specific spider/bot). The higher the value and relevancy, the more likely others will view your site.

If you already have a website, several factors come into play, including age of site, website design, content dynamics, and any type of web marketing. A website professional should analyze your site, including its age, history, structure, and previous marketing attempts. From that point on, he/she should be in a position to tell you if your site needs structural work and how you should proceed to optimize your site.

Next, make sure search engines know who you are and where you are. In other words, make sure your contact information is complete with street address, phone number(s), fax (optional), and email address(es). Telling visitors who you are increases your site legitimacy and search engines, starting with Google, are starting to pay attention to that. The where is also important since some search engines, and most directories, offer local searches and listings; some phonebooks even have online versions! Why pass on this opportunity for additional traffic?

The first step after a design, or redesign, is to submit your site to search engines and directories. Some people will tell you that its not necessary or that it could even hurt an existing site. Until I see concrete proof supporting these facts, Id rather be safe than sorry and submit my sites! Furthermore, search engines, at least the major ones, will not penalize you for submitting your site after a redesign; how could they consider it spamming?

Linking (or getting other websites to point to your website) is an ongoing process. You need a consistent linking strategy where links are added progressively. Adding a few relevant links (for example, from MD sites if youre a physician) regularly (weekly or monthly) will show your site is growing at a healthy pace, free of spam and unethical tactics.

In a similar fashion, black hat tactics (things that some people do to trick search engines in order to achieve better rankings) should be avoided at all costs. Your site may end up being banned from search engines all together. I dont think the long term consequences are worth the immediate profit.

These two points are quite important because algorithms will sniff out (hopefully sooner than later) sites who use link farms (large amount of links pointing to one site) for sheer unethical- profit and spamming, or sites that use black hat tactics.

The same way you need to build inbound links (those coming to your site), you need to develop relevant content, which visitors should find of interest. When it comes to marketing your site, nothing is more true than Content is King. Good, fresh, content will not only keep visitors coming back but search engines may very well index the corresponding pages.

If your content is newsworthy, or specific to an industry, you may consider doing a press release. This is a tool that may bring your site and your business great exposure.

You may also post on forums and blogs in your field of business but please, do not spam other websites and respect their posting rules and policies. The goal is to build relationships which could lead to more traffic and links.

Most strategies rely on several tools: Search Engine Optimization, forum posts/blogging, press releases, linking/tagging (where people eartag your site within a community), email newsletters and/or mass emails, MySpace account (or similar), online ads, and paid advertising.

Quite simply, the web is so large that youd loose your marbles if you tried everything to market your site. My advice to you is start small and build up on your results. Above all, track the return on any strategy you may use and determine whether or not it is a viable option for your business. People like the idea of advertising on the web and get caught up in the frenzy but sometimes forget the essential: Did it get my business noticed? Was it worth my investment?

Feel free to email me at Stephan at http://www.hamptonswebsitedesign.com if you have any questions.

Stephan Goutoulli is the owner of WebStudio, NY, and has been working as a designer, programmer, and webmaster for over 4 years.Live Mortgage Leads
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Financial Predators: Vermin, Rodents and Other Insect Pests

While there are predators all around us, we generally do not think of our financial providers as predators. Typical providers we might use include banks, financial centers (the fancy name some banks call themselves today), credit unions, mortgage brokers, and mortgage bankers to name a few.

With thousands of people going online and starting home-based Internet Marketing businesses daily, many quickly develop a need for more capital to build their new part-time, second-income enterprise. Some inexperienced newcomers fail to budget properly and soon find themselves in over their head.

Their next likely stop is to find a lender. I was stunned yesterday to get in my post office box one of those new, fancy, 6-by-9-inch oversized postcards with this screaming headline on the slicked up front side: Get $5,000 by tomorrow!

If I did not know better, I would have thought I was reading one of the exaggerated opportunities that pops up on my monitor every day, you know, the one that says "Join Us Now And Collect Your $2,000,000" from "one of the world's most rewarding financial associations." Yeah, right. I could use an extra $2 million, and if I read through the entire sales pitch, I would probably find out that I really had to do very little to get it.

Sometimes it is easier to relate to the $5,000 you can get tomorrow (yes, you read right, tomorrow). You see, the lender in this case does not want a lot of legal paperwork and collateral to hold you up. Heck, they just need your signature!

This presents a wonderful opportunity to play Donald Trump. There was a time when The Donald could borrow millions by just signing his name on a dotted line. Sure, the $5,000 lender, called CashCall out of Fountain Valley, California, presumably does a credit check and, even if you rent or your credit is not perfect, the $5,000 will be in your bank account tomorrow (this delivery process is commonly known among the financial community and those who borrow such sums in such ways as a bank wire transfer). And, of course, your immediate money problems are solved! Viola! (as the French would say).

Turns out the source of the money received actually comes from First Bank & Trust of Milbank, South Dakota, a member of the FDIC, mind you (this important fact is used to apparently inspire confidence in the lender which is probably in good standing with your federal government as FDIC does stand for the Federal Deposit Insurance Corporation, an independent agency of your federal government).

Words cannot express how choked up I am with compassion over the fact that a bank would lend someone $5,000 on their signature only, and deliver the money into their account the next day. Some banks are just too wonderful for words.

A lot of folks would be overjoyed at the bank's generosity and understanding in their time of need. Then again, those same folks probably would be too excited about solving their "problems" to read the fine print in the same offer.

Did I just say fine print? Yes I did. That is the really small type on the bottom of the back of the life-saving postcard that has the catchy headline (get $5,000 by tomorrow!), and the prominent picture of ten $100 bills on the front, that says:

"Example of loan terms: The Annual Percentage Rate (APR) for a $5,075 loan is 59.90%, with 84 payments of $254.03." This is what I call a 7-year, fixed-rate loan that will bring the lender $21,338 in return. So, here is the deal: You get a $5,000 loan and the privilege of repaying the $5,000 you borrow plus another $16,338 in interest.

It caused me to wonder if they sell asbestos suits in Milbank, South Dakota, surmising that some folks may develop a need for them, depending, of course, on where they might be going.

The next time your lender is being so nice to you, remember the message of this postcard, and ask yourself, "Why is this lender (or banker) being so nice to me?" The answer, dear friend, is not that he or she has your best interest at heart.

Why should I even give this seemingly obscure offer even two cents of my time? Only to make this point: Since when is helping a financially desperate person made better by driving them deeper into debt, and then leaving them as ignorant as you found them?

H. L. Mencken (1880-1956), who became a U. S. journalist and literary and social critic, once said "You can never underestimate the stupidity of the American people." Man, was he right.

Copyright (c) 2006 Ed Bagley

Ed Bagley is the author of Ed Bagley's Blog, which he publishes daily with fresh, original writing intended to delight, inform, educate and motivate readers. Visit Ed at...Exclusive Mortgage Leads
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Realtor in Tucson Arizona - What to Look For

It doesnt matter if you are buying or selling, a realtor in Tucson Arizona can help to guide you through the process to make it easier for you to understand and to get the best price in as little time as possible. Before you choose a realtor in Tucson Arizona, there are some guidelines that you need to understand such as: What is the difference between a realtor and a real estate agent? Is it important that I choose a buyers or sellers agent rather than an all-purpose agent? Each of these factors and others will be influential in your real estate experience.

In Arizona, as in most states, any one selling real estate must take an exam to be licensed. Therefore, the individual must have a basic understanding of real estate practice and laws. This is all a real estate agent does. A realtor in Tucson Arizona or in any other area of the state takes it a few steps further. They must continue to update their knowledge and education and they also become members of a professional Realtor organization such as the National Association of Realtors. By taking these extra steps, they have access to the MLS (Multiple Listing Service) to find properties as well as to sell them. This makes both buying and selling properties with a realtor in Tucson Arizona easier than it would be any other way.

You also need to find a realtor in Tucson Arizona that specializes in whatever you are trying to do. If you want to sell some land, you should find a sellers realtor who specializes in land. If you want to buy a luxury home, you can even find a buyers realtor who specializes in luxury home sales. There are realtors who specialize in commercial and residential properties as well as land.

At most Real Estate Agencies where you will find a realtor in Tucson Arizona, you will find both buyers and sellers realtors. You should choose a realtor in Tucson Arizona that not only has the proper qualifications and credentials, but also that you get along with and that you feel understands your needs and requirements in selling or buying real estate.

Tucson is a wonderful area to work, retire, raise a family, and recreate. It is growing and becoming one of the top southwestern communities. A realtor will help you discover it.

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The Old Man And His Bluegills

I started fishing a little lake just south of Somerset, Ohio, called Clouse Lake about 35 years ago. Matter of fact, when I first started fishing it, I fished with a fly rod. One day, I was fishing and noticed this older gentleman trying to get a little plastic boat on his car after a hard day's fishing. He was using a fly rod too. We began chatting and discovered we lived about 10 miles from one another. He lived in Pleasantville. As the conversation closed, he said he would call me sometime and we would go fishing together. I thought "Yeah, I bet he calls me". Imagine my surprise when he called two days later and wanted to know if I wanted to go fishing with him the next day.

Earl and I became good friends, we fished Clouse many times and about every other place that we could find, that held water. He was an excellent fly fisherman. There was only one thing wrong with Earl, he liked to catch bluegill. Actually, he loved catching Bluegill. He showed me how to clean bluegills in a matter of seconds. Here is how he did it. First, he got out his board and filet knife. He would scale the fish. Second, He would cut around the head but not clear through. He would leave just a piece of meat right under the head. Then he would twist the head and pull and the whole insides would come out at one time. He could clean bluegill faster than anyone I have ever seen.

One day, I got teasing Earl about fishing for bluegill, I told him the only reason anyone would fish for bluegill is because they couldn't catch a bass. I have to admit, I had seen him catch bass on his flyrod while fishing for bluegill. Anyway, Earl said to me that he could catch bass anytime he wanted. I just laughed. So, Earl put on a little bigger fly and threw it about a dozen times and out comes a bass. Not only was it a bass but it weighed about 6 and 1/2 pounds. He just looked at me and smiled, never said a word, then threw it back. I was dumbfounded, to say the least. He then went and tied his little fly back on and fished for bluegill some more. I sat in shock the rest of the day.

I learned two lessons that day, one was never to run my mouth about people who like to fish for bluegill and the second was, right when you think you have the bull by the horns, some old fellow is going to show you different. By the way, I never teased Earl about his bluegill fishing again. Earl passed away not too long after that, I was one of the last people he asked for. I miss you my friend.

Did you know a large mouth bass and black bass really are not a bass? They are in the sunfish family.

Clouse Lake is on RT668 out of Somerset, Ohio. There are some nice bass there and I have seen some in the 5 pound range taken right below the dam. There is a boat ramp on the south side of the lake...a smaller boat is more suitable.

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How to Take Full Advantage of Your Blog

Now that youve taken the steps to enhance your website with an informative blog, you should be seeing an increase in traffic to your site. Keep updating that blog, use plenty of keywords, and youll see more and more business. But what if youve done all of this, and youre not seeing the results you hoped for? You may need to make some improvements.

Examine Your Blog Design and Content

Ask a few friends or family members who use the internet what they think of your blog. You may need a new blog design to integrate better with your website.

Once youve fixed the look and feel of your blog, make sure that youre following the most important rules of blogging: update frequently and keep your content interesting. Blogging about your new listings, open houses and price reductions is a great start, but also try your hand at writing articles about topics that would be useful to your clients. How-tos on moving, packing, cleaning, preparing for open houses, visiting open houses, and looking for a new home could be useful to your clients. Informative articles on topics like the school system, local history, or local events will keep buyers in the know.

Become a Real Estate Resource

When you offer buyers and sellers information that they want and need, theyll keep coming back to your website. With a little work, you can become known as a local real estate expert. Do some research online to see what other Realtors are doing to become real estate resources, not just agents. Check out Scott Chappell and Brian Beans excellent blog at http://www.Scott-Brian.com for an excellent example of real estate blogging at its finest.

Your goal should be to create a site where buyers, sellers, and local folks can go to get the latest news and helpful information. Youre obviously the most in-the-know Realtor in town, right? Soon all those potential clients will see that youre the ONE Realtor they need to call when they want to buy or sell.

Brett Miller is the founder of HoopJumper.com and has created the best lead generating real estate websites in the industry and helped hundreds of real estate professionals make the most of their Internet presence. Call 888-Hoop-Jumper for a complimentary web analysis today or visit http://www.HoopJumper.com to see how HoopJumper can help you grow your business.Voice Broadcasting
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Memorialize Your Loved One With A Cremation Urn

It is a fact of life that all of us will lose someone that we care about in death at some point, and although we may not be able to be with them any longer, it's a widely accepted part of the grieving process to memorialize them in a fitting way. There are many ways that this can be done today and the funeral industry has a wide variety of products that can help dignify the occasion.

However, one of the most time-honored and ancient of burial customs is that of cremation. The practice of cremation was the most predominat means of corpse disposal until the advent of Christianity in the Roman Empire. There were several reasons why cremation was popular among ancient cultures, and one was that fire was considered a purifying agent that would release the spirit of the deceased in the proper way and allow for a safe journey to their next life.

Of course, besides the philosophical or religious properties of cremation, the health benefits of the practice was never in doubt. Disposal of the body in this way eliminated the possiblility of disease being spread by decay. Therefore the practice of cremation has become more and more accepted in Western cultures as cities have grown larger and cemetaries have become more crowded.

Cremation in the modern era involves the use of high levels of heat that reduce the body of the deceased to ashes. The ashes can then be spread without causing any health problem to others.

However, increasingly many people today are returning to the ancient practice of storing the ashes in a funerary urn instead. In such a container the ashes can be kept and memorialized by their loved ones, or it can also serve as a fitting receptacle for burial as well.

Cremation urns are available in many different configurations and price levels, and they need not simply be a utilitarian object. In fact, some urns can be very decorative and attractive in appearance.

So if you wish to memorialize a loved one in a dignified way, be sure to consider a crematory urn as another way to honor and remember them.

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FA Cup Fourth Round Betting Review

Striker DJ Campbell, last seasons FA Cup hero with non-league Yeading, dumped Premiership strugglers Sunderland out of the FA Cup to secure Brentfords spot in the last 16 for the second time in as many years.

The 5,000 summer signing opened the scoring after 57 minutes only for Argentinean midfielder Julio Arca to equalise for Sunderland. However, Campbell became the hero in the 89 minute, netting the winning goal to set up a memorable win for the 11/4 Bees.

Bolton Wanderers extended Arsenals away day blues with a 1-0 win at the Reebok Stadium. The bookmakers priced this match according to Arsenals reputation, rather than their performances this season. Bolton were as large as 2/1 before kick-off, an insult considering they beat the Gunners 2-0 in league duty back in December. Greek international Stelios scored the decisive goal with six minutes remaining.

Shortest price of the day unsurprisingly was Chelsea at 1/2 but they will have spoiled a few betting coupons after a 1-1 draw at Everton. The Toffees, priced up as 11/2 before kick-off, took the lead through James McFadden but a 73 minute equaliser from Frank Lampard took the tie to a replay at Stamford Bridge.

League One high flyers Colchester United sent another Championship side packing in Derby County. Colchester were 11/8 favourites and found themselves 3-0 up through Neil Danns and Richard Garcia. A penalty from Tommy Smith 11 minutes from time was the Rams only reply.

Leyton Orient will have had their supporters at 10/1 to beat Charlton Athletic. Jon Fortune gave the Addicks an early lead but the League Two side hit back through veteran Lee Steele. Charlton, 2/7 jollies before kick off, needed a stoppage time winner from Jay Bothroyd to spare their blushes.

The scent of an upset hung in the air before the lunch-time clash between League Two side Cheltenham Town and Newcastle United. Despite their efforts, Newcastle scored two goals in as many minutes just before half-time through Michael Chopra and Scott Parker to justify their odds of 8/15.

Rank outsiders on the day, 14/1 Port Vale, gave Aston Villa a scare with five minutes remaining to claw the score back to 2-1, although highly-rated midfielder ensured there would be no upset with a third goal in the 90 minute to please the big hitters who waded in at 1/4.

Better finishing could have earned Coventry City a shock 5/2 win over Middlesbrough but the tie ended all square at 1-1, extending Coventrys unbeaten run at the Ricoh Arena to eight matches.

On Sunday, Manchester United were shorter still at 4/9 but did not disappoint against Wolves, brushing aside the Championship team 3-0 at Molineux. Two goals from Kieron Richardson and another from a resurgent Louis Saha inflicted Glenn Hoddles heaviest defeat as Wolves manager.

Liverpool were also short at 8/15 to win away at Portsmouth and they didnt disappoint with two first half goals from Steven Gerrard and John Arne Riise. Sean Davis pulled a goal back for Portsmouth nine minutes into the second half but the Reds held firm.

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