CREA president Calvin Lindberg is also confident that Canadian federal budget initiatives for homebuyers will have an impact later in 2009: “The increase in the Home Buyers’ Plan and the First-Time Home Buyers’ Tax Credit to cover closing costs are both important for first-time home buyers, and they are an important factor in an active housing market.”
In the US, the National Association of Realtors® (NAR) president Charles McMillan also believes that the home buyer’s tax credit is a critical provision in the recent stimulus bill, and that it will result in many home purchases in the U.S. during the coming year.
We can’t deny that we’re dealing with a poor economy and a slower real estate market, but it’s important to remember that home staging works no matter what the housing market is doing.
In fact, that’s one of the beautiful things about the home staging business-it works in both a buyer’s market and a seller’s market. So while you may start your home staging business in a slow real estate market (which is the easiest time to start because prospective customers need your services that much more), you’ll be able to continue to grow your business when the real estate market turns around. And as history has proven, it always does.
Sabtu, 09 Mei 2009
Minggu, 26 April 2009
Living Debt Free
Do you dream of living without the burden of excessive debt hanging over your head? It’s possible, but not easy. Living debt free requires financial discipline, all the time. To become debt free and maintain a debt free life, try the following three steps:
1. Get rid of existing debt. This is obviously your first step to living a debt free lifestyle. Cut up any credit cards that you currently have in your wallet, purse, or desk drawer and do not apply for or accept any other cards. Pay your bills on time, sending as much as possible to one account while paying the minimum due on all of your other accounts until the account is paid off. Do this until all of your debt has been paid off.
2. Create a budget. Every single person who lives without debt has a financial budget and follows it. Without budgeting for expenses and incidentals, people overspend on unnecessary items and then when things just “happen” unexpectedly, (otherwise known as unplanned for expenses) these individuals rely on credit cards to make ends meet. Make a list of every monthly expense you can think of. Then, make another list of every incidental expense that you pay throughout the year but not necessarily on a monthly basis. If you usually get 3 oil changes a year at $20 a piece, you need to plan for $60 a year for oil changes, which is the equivalent of $5 per month. Once you have a comprehensive list, subtract your total monthly expenses from your total monthly income and see what is left over. Be sure you include savings accounts in your “expenses”. Pay yourself first is a good rule to live by. If there is still money left over, congratulations! Use it to pay more on each individual account until everything is fully p
3. Avoid credit like the plague. Make all of your purchases with cash and you will never fall into the debt trap again.
Manage Your Money
As you are starting the process to a debt free life, you should be extremely mindful as to where your money is going. It’s important that you track your spending habits for a period of time in order to see where money is being wasted, or where you can cut costs without completely changing your lifestyle. Keep a notebook where you list every single item you purchase, including the amount you paid, where you purchased it, and the reason. Include all bills that were paid, how much you paid, and how much you still owe. After a few months of tracking your spending habits, you will be able to determine exactly where all of your money is going, and you may be surprised at how much your little purchases are adding up and eating away at money you could be using to pay off debt to enjoy a debt free lifestyle! That cup of coffee you grab every morning on the way to work could be costing you $10 or more each week- about $40 per month, and brewing your own coffee at home could save you considerably since you can purchase
How to Remain Debt Free after Recovery
One of the biggest mistakes people make after making a financial recovery is to allow themselves to fall back into old habits. Before they know it, they’ve racked up another few thousand in credit bills, and they’re heading down the same path to having a desperate situation where they just can’t make their payments on time each month.
You do not need to have credit cards in your wallet. Yes, it is a very odd feeling to go from having several cards available to you to none, but it is the safest way to avoid overspending. You may want to keep one credit card in a safe place in your home, for purchases that do require a credit card. Think long and hard before using the card, and if it is possible to buy it with cash, than do that instead. A credit card should not be used for every purchase, nor should it be used when you want to buy something unnecessary that you don’t have enough cash to purchase. If you want a luxury item, save your money until you can buy it- if after several months of saving you decide you don’t need it, then you’ve saved the money on an item you previously may have purchased on a credit card, discovered you didn’t really need or want it, and then had to pay back three to four times what the item is worth after all the interest and finance charges were added!
1. Get rid of existing debt. This is obviously your first step to living a debt free lifestyle. Cut up any credit cards that you currently have in your wallet, purse, or desk drawer and do not apply for or accept any other cards. Pay your bills on time, sending as much as possible to one account while paying the minimum due on all of your other accounts until the account is paid off. Do this until all of your debt has been paid off.
2. Create a budget. Every single person who lives without debt has a financial budget and follows it. Without budgeting for expenses and incidentals, people overspend on unnecessary items and then when things just “happen” unexpectedly, (otherwise known as unplanned for expenses) these individuals rely on credit cards to make ends meet. Make a list of every monthly expense you can think of. Then, make another list of every incidental expense that you pay throughout the year but not necessarily on a monthly basis. If you usually get 3 oil changes a year at $20 a piece, you need to plan for $60 a year for oil changes, which is the equivalent of $5 per month. Once you have a comprehensive list, subtract your total monthly expenses from your total monthly income and see what is left over. Be sure you include savings accounts in your “expenses”. Pay yourself first is a good rule to live by. If there is still money left over, congratulations! Use it to pay more on each individual account until everything is fully p
3. Avoid credit like the plague. Make all of your purchases with cash and you will never fall into the debt trap again.
Manage Your Money
As you are starting the process to a debt free life, you should be extremely mindful as to where your money is going. It’s important that you track your spending habits for a period of time in order to see where money is being wasted, or where you can cut costs without completely changing your lifestyle. Keep a notebook where you list every single item you purchase, including the amount you paid, where you purchased it, and the reason. Include all bills that were paid, how much you paid, and how much you still owe. After a few months of tracking your spending habits, you will be able to determine exactly where all of your money is going, and you may be surprised at how much your little purchases are adding up and eating away at money you could be using to pay off debt to enjoy a debt free lifestyle! That cup of coffee you grab every morning on the way to work could be costing you $10 or more each week- about $40 per month, and brewing your own coffee at home could save you considerably since you can purchase
How to Remain Debt Free after Recovery
One of the biggest mistakes people make after making a financial recovery is to allow themselves to fall back into old habits. Before they know it, they’ve racked up another few thousand in credit bills, and they’re heading down the same path to having a desperate situation where they just can’t make their payments on time each month.
You do not need to have credit cards in your wallet. Yes, it is a very odd feeling to go from having several cards available to you to none, but it is the safest way to avoid overspending. You may want to keep one credit card in a safe place in your home, for purchases that do require a credit card. Think long and hard before using the card, and if it is possible to buy it with cash, than do that instead. A credit card should not be used for every purchase, nor should it be used when you want to buy something unnecessary that you don’t have enough cash to purchase. If you want a luxury item, save your money until you can buy it- if after several months of saving you decide you don’t need it, then you’ve saved the money on an item you previously may have purchased on a credit card, discovered you didn’t really need or want it, and then had to pay back three to four times what the item is worth after all the interest and finance charges were added!
Sabtu, 18 April 2009
How to Find Cheap Hosting Service
If you want to find cheap web hosting services you can begin by researching which web hosting service are listed as the top 10 webhosting. Small companies might consider using a shared hosting deals provided by a web hosting, and those services will be at discounted prices that a small business budget can afford. Large businesses will usually desire a hosting service that offers full featured hosting. Large businesses that transact business trough the internet framework need web services that they maintain control over.
Dedicated web hosting services provide large businesses with that management factor and many other services too. A big business will typically require the services that provide a virtual server if that company does conferences via internet often throughout the week. Large businesses do not want to control the repairs needed on servers throughout the year, so they prefer assign those service responsibilities to the web host. Large companies need to maintain a domain name service so the customers can type their website name in the address bar on a personal computer and reach their site each time of the day.
Most hosting providers will offer 24-hour technical support to manage any issues that happen in the operation of a business website. You need to find web hosting that have a good record of up time because any down time will mean a loss in business revenues. All industries require web hosting services in one form or another since more customers are turning to the online framework to run their business. Large companies can use backend control panels to see what business traffic has come to their website because web hosting companies will provide these services in a full featured web hosting package.
Dedicated web hosting services provide large businesses with that management factor and many other services too. A big business will typically require the services that provide a virtual server if that company does conferences via internet often throughout the week. Large businesses do not want to control the repairs needed on servers throughout the year, so they prefer assign those service responsibilities to the web host. Large companies need to maintain a domain name service so the customers can type their website name in the address bar on a personal computer and reach their site each time of the day.
Most hosting providers will offer 24-hour technical support to manage any issues that happen in the operation of a business website. You need to find web hosting that have a good record of up time because any down time will mean a loss in business revenues. All industries require web hosting services in one form or another since more customers are turning to the online framework to run their business. Large companies can use backend control panels to see what business traffic has come to their website because web hosting companies will provide these services in a full featured web hosting package.
Jumat, 10 April 2009
Summer Vacation Destinations: Nude Beaches
To go nude or not to go nude? That is the question that many vacationers end up asking themselves. If you are interested in spending your summer vacation at an overseas beach, it is likely that you will have to decide. Many overseas beaches are classified as being nude beaches.
Nude beaches are ideal for adults who are vacationing with a mature crowd. Whether you are vacationing overseas with your friends or you are vacationing with your partner or spouse, many adults find nude beaches appealing. In a way, many couples find nude beaches to be exotic; thus, creating a romantic atmosphere.
In the United States, nudity is a controversial topic. If seeing nude men and women frolicking on the beach does not bother you, you may want to consider selecting a nude beach as your next summer vacation destination. When it comes to selecting a nude beach to visit, you have a number of options. Below is an overview of three popular nudist beaches that you may want to select as your next summer vacation destination.
The Montalivet Beach is located in France. It is known as one of the most popular nude beaches in the world. France is often credited for the development and increased popularity of nude beaches. The beach is located on the Atlantic coast and it offers a number of overnight accommodations, including bungalow rentals and campsites. The atmosphere at Montalivet Beach is often reported as being safe for individuals of ages.
Samurai Beach, located in Australia is another, one of many, top rated nude beaches. Multiple resorts along the beach, including Bardot’s Clothing Optional Resort, allow nudity. In fact, nudity at the Samurai Beach is so common that it has become the home of the Nude Olympics, which are held on a yearly basis.
Greece is home to a number of nude beaches, including the popular Red Beach. In addition to vacationing on the beach nude, Greece is well-know for its history. There are a number of historical landmarks along the Red Beach. Red Beach is famous for its lack of limits on nudity. The only restriction, at this popular nude beach, is that clothing must be worn in the dining hall. A large number of nude beaches limit when and where you can be in the nude, but Red Beach offers freedom to all.
As previously mentioned, nude beaches are ideal for mature crowds. If you are vacationing with your family or other young children, you may want to reexamine your decision to vacation at a nude beach. While a number of nude beaches are classified as being “family friendly,” nudity may create some confusion, especially with younger children. If you are still interested in visiting a beach overseas, below is an overview of three popular beaches, where clothing is required.
Located in Thailand is the island of Phi Phi Leh. The most well-known beach is the area is the Maya Beach. The area was damaged in the tsunami a few years back, but, for the most part, the area has seen a rebirth. In addition to traditional beach activities, new facilities, services, and activities have been added for tourists.
Cannes is located in the French Riviera. Cannes is most well-known for its frequent celebrity visits. While Cannes is often viewed as a costly vacation destination, you may be able enjoy the beaches and the amazing scenery on a budget.
The Bondi Beach, located in Australia, is a popular vacation destination. Beaches line the coast of this large island. Due to its popularity, Bondi Beach is often overcrowded. Despite large crowds, tourists often enjoy the numerous on and off shore activities found at Bondi Beach.
In addition to the above mentioned beaches, there are a large number of additional overseas vacations. Whether you choose to vacation at a nude beach or a beach where clothing is required, you are sure to find the perfect summer vacation destination.
Nude beaches are ideal for adults who are vacationing with a mature crowd. Whether you are vacationing overseas with your friends or you are vacationing with your partner or spouse, many adults find nude beaches appealing. In a way, many couples find nude beaches to be exotic; thus, creating a romantic atmosphere.
In the United States, nudity is a controversial topic. If seeing nude men and women frolicking on the beach does not bother you, you may want to consider selecting a nude beach as your next summer vacation destination. When it comes to selecting a nude beach to visit, you have a number of options. Below is an overview of three popular nudist beaches that you may want to select as your next summer vacation destination.
The Montalivet Beach is located in France. It is known as one of the most popular nude beaches in the world. France is often credited for the development and increased popularity of nude beaches. The beach is located on the Atlantic coast and it offers a number of overnight accommodations, including bungalow rentals and campsites. The atmosphere at Montalivet Beach is often reported as being safe for individuals of ages.
Samurai Beach, located in Australia is another, one of many, top rated nude beaches. Multiple resorts along the beach, including Bardot’s Clothing Optional Resort, allow nudity. In fact, nudity at the Samurai Beach is so common that it has become the home of the Nude Olympics, which are held on a yearly basis.
Greece is home to a number of nude beaches, including the popular Red Beach. In addition to vacationing on the beach nude, Greece is well-know for its history. There are a number of historical landmarks along the Red Beach. Red Beach is famous for its lack of limits on nudity. The only restriction, at this popular nude beach, is that clothing must be worn in the dining hall. A large number of nude beaches limit when and where you can be in the nude, but Red Beach offers freedom to all.
As previously mentioned, nude beaches are ideal for mature crowds. If you are vacationing with your family or other young children, you may want to reexamine your decision to vacation at a nude beach. While a number of nude beaches are classified as being “family friendly,” nudity may create some confusion, especially with younger children. If you are still interested in visiting a beach overseas, below is an overview of three popular beaches, where clothing is required.
Located in Thailand is the island of Phi Phi Leh. The most well-known beach is the area is the Maya Beach. The area was damaged in the tsunami a few years back, but, for the most part, the area has seen a rebirth. In addition to traditional beach activities, new facilities, services, and activities have been added for tourists.
Cannes is located in the French Riviera. Cannes is most well-known for its frequent celebrity visits. While Cannes is often viewed as a costly vacation destination, you may be able enjoy the beaches and the amazing scenery on a budget.
The Bondi Beach, located in Australia, is a popular vacation destination. Beaches line the coast of this large island. Due to its popularity, Bondi Beach is often overcrowded. Despite large crowds, tourists often enjoy the numerous on and off shore activities found at Bondi Beach.
In addition to the above mentioned beaches, there are a large number of additional overseas vacations. Whether you choose to vacation at a nude beach or a beach where clothing is required, you are sure to find the perfect summer vacation destination.
Rabu, 08 April 2009
10 Ways To Save On Car Insurance
For most people car insurance is a the single largest insurance expense after health insurance. Rates are high and are forever climbing, at least it seems that way. You can save money on your car insurance premiums by following these easy to implement steps.
1. Shop Around. Yes, it pays to shop and compare. Regulatory changes at the state level may have encouraged new companies to jump into the market, thereby increasing competition and reducing rates for consumers.
2. Raise Your Deductible. A $200 deductible sounds wise until you learn that the cost for having a deductible at this threshold can drive your rates through the roof. Consider a deductible as high as $1000 to save on premiums. You can always fix minor mishaps on your own.
3. Drop Collision. If your automobile is worth less than two or three thousand dollars, consider dropping collision altogether. Sure, you will get nothing from your insurer if your car is totaled, but the savings you realize by dropping collision can be used as a down payment for your next car.
4. Look For Discounts. If your car has certain safety features, make sure that your insurer is aware of this. Older cars, for the most part, do not have air bags but if you have a model that has airbags, you will save money on your insurance.
5. Business Deduction. If you drive your car for business, a portion of your insurance costs may be deductible. Conversely, your rates may be increased if your insurer knows that you use your car more for business than pleasure.
6. Combine Policies. Purchase your homeowners, auto, and life insurance policies from the same broker and you may save on your premiums. Some insurance companies reward policyholders if they “one-stop” purchase all of their insurance needs through one company.
7. Consider Before You Buy. The Porsche Boxster may be your ideal car, but it could also sharply raise your insurance rates. Maybe a less sporty model would be ideal.
8. Driver’s Ed Course. You may have taken a driver’s education course and your insurance company has not factored that in when determining your premium. Let them know that you are a safe driver!
9. Deleted Points. If you had moving violations that were reported to your insurance company, make sure that your insurer adjusts your premium downward if several years have gone by since the occurrence. You could be paying a premium higher than you deserve.
10. Check Your Policy. If the insurer has the wrong address, town or zip code on your policy you could find yourself paying more than you should.
Reducing your car insurance costs should not be an impossible feat. By following these steps you should realize some savings the next time your policy comes up for review.
More about Insurance
1. Shop Around. Yes, it pays to shop and compare. Regulatory changes at the state level may have encouraged new companies to jump into the market, thereby increasing competition and reducing rates for consumers.
2. Raise Your Deductible. A $200 deductible sounds wise until you learn that the cost for having a deductible at this threshold can drive your rates through the roof. Consider a deductible as high as $1000 to save on premiums. You can always fix minor mishaps on your own.
3. Drop Collision. If your automobile is worth less than two or three thousand dollars, consider dropping collision altogether. Sure, you will get nothing from your insurer if your car is totaled, but the savings you realize by dropping collision can be used as a down payment for your next car.
4. Look For Discounts. If your car has certain safety features, make sure that your insurer is aware of this. Older cars, for the most part, do not have air bags but if you have a model that has airbags, you will save money on your insurance.
5. Business Deduction. If you drive your car for business, a portion of your insurance costs may be deductible. Conversely, your rates may be increased if your insurer knows that you use your car more for business than pleasure.
6. Combine Policies. Purchase your homeowners, auto, and life insurance policies from the same broker and you may save on your premiums. Some insurance companies reward policyholders if they “one-stop” purchase all of their insurance needs through one company.
7. Consider Before You Buy. The Porsche Boxster may be your ideal car, but it could also sharply raise your insurance rates. Maybe a less sporty model would be ideal.
8. Driver’s Ed Course. You may have taken a driver’s education course and your insurance company has not factored that in when determining your premium. Let them know that you are a safe driver!
9. Deleted Points. If you had moving violations that were reported to your insurance company, make sure that your insurer adjusts your premium downward if several years have gone by since the occurrence. You could be paying a premium higher than you deserve.
10. Check Your Policy. If the insurer has the wrong address, town or zip code on your policy you could find yourself paying more than you should.
Reducing your car insurance costs should not be an impossible feat. By following these steps you should realize some savings the next time your policy comes up for review.
More about Insurance
Rabu, 18 Februari 2009
Diet for Type 2 Diabetes
For adults diagnosed with adult onset type 2 diabetes most health care professionals agree that the best way to control its effects are with a type 2 diabetic diet and exercise. Although some people are genetically predisposed to contracting diabetes most cases are caused by poor lifestyle choices centered around bad diet, obesity, and a lack of exercise. Reversing the damage caused by years of un-healthy living is hard to do but if the specter of type 2 diabetes is looming over your long term health it is vitally important to change the way you live to best control the long term consequences that diabetes is known for.
Since both type 1 and type 2 diabetes are major health issues it is important to consult you doctor before starting any new diet or exercise plan. Your doctor can get you started in the right direction and recommend a dietician who specializes in the type 2 diabetic diet. The dietician can help taylor a customized diabetic meal plan to your specific needs. There will be foods that are for the most part off limits but in most cases moderation is the key to combating this disease and the health issues it is directly responsible for.
Probably the biggest dietary change for the type 2 diabetic is cutting sugar and simple carbohydrates out of their diet. Sodas, candy, and baked goods are to be avoided because they pose the greatest threat to the diabetic; hyperglycemia otherwise known as high blood sugar.
Instead of the empty calories to be found in high sugar and processed foods you should eat a diet of nutrient rich foods that provide the necessary health benefits that only they can provide. Fruits, vegetables, and protein from lean meats and nuts are a good place to start with a type 2 diabetic diet. These foods and others provide a good mix of nutrients including complex carbohydrates which provide you with a steady supply of energy throughout the day and keep your blood sugar levels consistent.
The other important aspect of the diet for those with type 2 diabetes is how often you eat during the day. Instead of eating two or three big meals you need to be eating five or six smaller meals throughout the day. This helps avoid the big blood sugar spikes that are associated with eating big meals. Eating smaller meals will keep you blood sugars at a steady level which is easier to control.
Step 2 in properly controlling the effects of your diabetes is a regular exercise routine. Any type of exercise is a good thing and if you do nothing more then go for regular walks you are off to a good start. As you progress and your health improves and your diabetes comes under control you can add to your routine if you wish. Join a gym, go for bike rides, yoga, aerobics, or any other physical activity you enjoy are all good ways to add variety to your program.
The complications caused by type 2 diabetes can be easily managed and avoided by following a sensible type 2 diabetic diet plan and exercise program. By making these simple lifestyle changes and staying healthy you can control your diabetes and live your life to the fullest.
Since both type 1 and type 2 diabetes are major health issues it is important to consult you doctor before starting any new diet or exercise plan. Your doctor can get you started in the right direction and recommend a dietician who specializes in the type 2 diabetic diet. The dietician can help taylor a customized diabetic meal plan to your specific needs. There will be foods that are for the most part off limits but in most cases moderation is the key to combating this disease and the health issues it is directly responsible for.
Probably the biggest dietary change for the type 2 diabetic is cutting sugar and simple carbohydrates out of their diet. Sodas, candy, and baked goods are to be avoided because they pose the greatest threat to the diabetic; hyperglycemia otherwise known as high blood sugar.
Instead of the empty calories to be found in high sugar and processed foods you should eat a diet of nutrient rich foods that provide the necessary health benefits that only they can provide. Fruits, vegetables, and protein from lean meats and nuts are a good place to start with a type 2 diabetic diet. These foods and others provide a good mix of nutrients including complex carbohydrates which provide you with a steady supply of energy throughout the day and keep your blood sugar levels consistent.
The other important aspect of the diet for those with type 2 diabetes is how often you eat during the day. Instead of eating two or three big meals you need to be eating five or six smaller meals throughout the day. This helps avoid the big blood sugar spikes that are associated with eating big meals. Eating smaller meals will keep you blood sugars at a steady level which is easier to control.
Step 2 in properly controlling the effects of your diabetes is a regular exercise routine. Any type of exercise is a good thing and if you do nothing more then go for regular walks you are off to a good start. As you progress and your health improves and your diabetes comes under control you can add to your routine if you wish. Join a gym, go for bike rides, yoga, aerobics, or any other physical activity you enjoy are all good ways to add variety to your program.
The complications caused by type 2 diabetes can be easily managed and avoided by following a sensible type 2 diabetic diet plan and exercise program. By making these simple lifestyle changes and staying healthy you can control your diabetes and live your life to the fullest.
Rabu, 12 November 2008
Manfaat Undur-Undur Bagi Kesehatan
Tahukah anda bahwa hewan undur-undur berkhasiat? Ekkei menulis bahwa undur-undur bisa menyembuhkan diabetes dan stroke.
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