E Cigarettes – Environmental Friendly and Stylish Alternatives to Smokers!

July 5, 2017

The mere sights of cigarette butts makes many cringe frown and roll their eyes in disgust. Insult is added to injury when the breath of one in close proximity to another is smoky and stale. It is such concerns that have led to the invention of E Cigarettes!

These are cigarettes whose utilization requires small power from battery and are also available in various flavors and varied nicotine levels. Owing to the fact that the charge from a short cable is required, carrying the electronic cigarettes and taking a puff away from the comfort of the home can be quite tasking in some case. This means that the smoking habits of individuals are in fact regulated! Also, the human body is protected from harmful smoke that is not emitted by the electrical version of these new age top notch cigarettes.

The Cigarettes Are In A Dignified Pack and They Are Durable!

For the first time ever, tobacco smokers do not have to carry matches and lighters causing burns to their finger tips and boring holes into their Sunday bests! Smoking has been taken a notch higher and the result is basic dignity for the smokers because they will not disrespect the non- smokers among them by contaminating the air that they breathe. Electronic cigarettes and the packages they come in can also be reused meaning that a lot of money isn’t spent in every interim in the purchase of pack after pack as in case of regular cigarettes. The style and durability factor surrounding the new age cigarettes is just remarkable!

They Are Environment Friendly!

For starters, this kind of cigarettes cannot be put on unless with a source of an electrical current. This means that rooms and pathways do not, under any circumstances, get filled with smoke just because a smoker passed by! The smoke usually part and parcel of the activity of smoking, is done away with meaning the air, even around a smoker, is always fresh! Disposals for the cigarettes have also been invented, meaning that they are gotten rid of responsibly so that there are no harmful smoking bits and pieces carelessly thrown away which pollute the environment!

E Cigarettes have made the world a better place, at the very least! Those who indulge in smoking on a regular or even irregular basis can therefore finally do so responsibly and while giving better consideration to their health.

Grow a Wealth Building System by Learning Internet Marketing Skills With a Free New Wealth Report

July 28, 2017

Well you may not know it but to build wealth you must use internet marketing strategies and techniques because Internet marketing is the lifeblood of any affiliate, network marketer or home based business. Therefore you need to understand that internet marketing may sound complex but it is a skill you can develop and learn. So if success is mandatory now in your business then getting web traffic is a must so here are some of the skills you need to master to build international wealth in your business.

When it comes to building wealth, especially international wealth, which is very possible on the internet, then you need to understand:

  1. The basics of internet marketing and the importance of it to your business.
  2. How to choose an internet marketing system to market your business.
  3. How to understand the marketing lingo and the many ways people use the same term to mean many things.
  4. The importance of an autoresponder selection so you can start to build a profitable list.
  5. That you need to discover how to get yourself into profitability sooner rather than later.
  6. The funded proposal system to support your initial business advertising costs.
  7. The selection process that helps you develops your affiliate programs as part of your funded proposal system.
  8. That you have to build the foundation of your business by working your way from the simple and easy to the complex.
  9. The necessity of daily business activity means you will have many monotonous,repetitive activities and you will need to become much more efficient.
  10. That these monotonous, repetitive activities require you to learn how the process of developing and using automated business solutions.
  11. That you will need to learn the nuances of your competition and what they are doing so you can stay one step ahead of them.
  12. How to perform the most important activity which is the advertising of your business because there are many, many different types of advertising and you need to master a number of them.
  13. That once you advertise you need to learn how to track and monitor all your activities to ensure you are performing profitable activities.

To gain international wealth, you should explore the internet marketing strategies and techniques that you can use to promote your business. You can create your prosperity marketing system that helps you develop your international wealth. These strategies will improve and shore up your business’s general marketing objectives.

Which Is More Cost-Effective, Cabs or Car Rentals?

July 14, 2017

Rent it or cab it?

People like the freedom of having their own vehicle to drive about in, at home or when they travel, and the tendency is to book a rental car when you are away. But freedom comes with a price and it depends where your travel destination is as to whether you’re best to rent a car or take a taxi.

Cheap ground transportation depends upon location, accessibility and extraneous expense factors, like gasoline costs and parking fees. Add to that the potential complexity of finding your way around a strange city, especially a large one, and you might change your mind about what freedom means.

A trip to, for example, New York City or Montreal, two North American cities with decent public transit systems, plenty of cabs, walkable areas in their cores, and very high parking fees, and you’ll realize that a taxi will almost inevitably surface as the cheapest mode of getting around.

But what if you want a day trip to the Laurentian Mountains or the antiques stores of Hudson? That’s the day to rent a car, or to find out if there is a luxury coach service to those destinations that returns the same day.

Car rentals are convenient, to be sure, but the costs add up quickly (don’t forget insurance and occasional peak-season added fees), unless your airline points cover all or most of the cost; even then, in large cities gasoline and parking is very costly, and that is not usually included in credit card or airline rewards perquisites.

When does a rental car make sense? If you live in North America (and can’t drive across the Atlantic Ocean!) and are vacationing in Italy, for example, landing in Rome and taking a motorcar tour of Tuscany and other regions from there, your only other viable option is the train. Like anywhere else, gasoline in Europe is expensive, but you can’t take a full driving holiday in a taxi. But don’t forget, there are guided tours and some taxi drivers will gladly spend a day with you, exploring San Gimignano; they are often the best tour guides, full of information about their homeland. And driving in other countries can be a harrowing experience, especially if it involves driving on the opposite side of the road than you are accustomed to!

Plan your itinerary, do an accurate cost comparison and decide whether a taxi or car rental, or combination of the two, is the cheapest way to get around when you reach your destination. And don’t forget to ensure that your driver’s license is current, and if you need to, get an international license before you set off for your trip. Happy motoring!

Power Inverter Uses and Variations – Auto, Car, Boat, Laptops

June 30, 2017

Power Inverters, also known as power supply units or power converters, are a great way to power electronic devices when there is not a ready electrical outlet present but there is DC power available. When it comes to choosing a power inverter, there are a number of available options out on the market, each with a variety of different features. The basic concept of a power inverter is that it can convert a car’s 12 volt direct current power into the same type of alternating current power available from a wall socket, enabling electronics to charge while traveling. They work in cars, boats, or anywhere else equipped with a cigarette lighter adapter (DC Adapter).

Why run the risks of losing power to your essential electronics, when you can always have a backup power source ready for use almost anywhere an electrical current is generated? Power inverters work especially well for charging laptops, DVD players, digital cameras, radar detectors, cell phones, PDA’s, printers, digital cameras, external hard drives, personal media players, flash drives, scanners, iPods, MP3 players, video games, and much more.

On the market you can find an ever-increasing number of different power inverters. They all perform the basic function of charging your electronic devices, but each has its own particular features that may suit one person’s needs better than another’s. There are power inverters that can provide power for one, two, three, or four plugs simultaneously. There are also power inverters that contain USB ports that can charge USB-enabled devices; this can add to the functionality of your power inverter if you carry around devices like the popular iPhone.

Power inverters also differ in the amount of power they supply. Some emit more wattage to charge larger items, while others emit smaller amounts of wattage for electronics with smaller energy demands. This is an important feature to keep in mind, which can help prevent battery drainage and preserve your car battery’s life. When buying a new power inverter it’s best to look if it has an automatic kill switch or switching regulator (available in switched-mode power supplies) so that your car’s battery never reaches a critical point. It can be quite frustrating to see your car battery die, but your laptop fully charged.

A nice feature to look for is a long, extendable cord to reach far away electronics. You may also want a swivel head if your cigarette lighter adapter is placed in a difficult-to-access location. This will help adjust the positioning and make sure it will not slip out of place for maximum convenience. Some power inverters also come with replaceable fuses–one of the most likely parts to fail–and the ability to replace the fuse is more convenient and efficient than having to replace the whole inverter.

Remember, when choosing a new DC-to-AC inverter examine the features, the power output level, number of available receptacles, and pricing to ensure that you purchase the right inverter for your needs. Every year new and more efficient inverters hit the market, so happy hunting and read the reviews before purchasing and you’ll be sure to find just the right inverter you need.

Three Reasons to Hire a Car on Your Holidays

August 11, 2017

If you are planning to arrange transportation in Portugal, then you will find many options for you. However, the best transportation medium is to have car hire in Portugal. Of course, you can get other public and private transport option, but in most of the situation you will find that you are doing the best deal by going for car hire in Portugal. So, let’s see the three most common reasons why you should go for car rental in Portugal.

  • You will get best deals in terms of cost: Car rental is better if you have a travel plan spanning over different spots of city. For example, you are a tourist or have come for visiting places like coast lines at Algarve or different spots in Lisbon or Faro; then a car hire in Portugal make sense. Instead of taking different vehicles from one spot to another, a car rental for the required stretch of distance or time will give you economical advantage. Some times car hire companies will have different discounts or package for different tourist spots, too. This may depend on the seasons, when the passengers going for car rental in Portugal may be less. So, watch out for these discounts and it will prove to be a best deal for you. In case, you are a local there also, a car hire in Portugal will offer a relatively economic option for you, especially in case you are looking out for convenience too.
  • It provides a real comfort: Car rental is always very comfortable as compared to other public and private transport. The same way car hire in Portugal will take care about your comfort, while traveling. It is spacious and you need not worry about luggage too. It sees about your own comfort, all because of the reason that it has been hired personally for you. This makes a very economical comfortable option for you.
  • Takes care about your urgency, time schedule, etc: One of the reasons why people prefer for car hire in Portugal and elsewhere also is because of convenience with regard to your time schedule and plan. For example, while traveling you needs to stop over somewhere for shopping for a bit more time, you are free to do that without worrying for you being getting delayed. In case, you are planning to go for airport quickly, you can easily do so by taking an alternative way, if the main road has some traffic jam. In case of Portugal, you will always like to do that seeing all the scenic spots you will find at Algarve beach or stunning places at Faro.

How to Find Cheap Car Rentals

August 7, 2017

Car rentals can be quite the expense, especially for customers traveling out of state, and even out of the country. There are car rental companies that charge per mile, and other car companies that offer an unlimited mileage package to customers renting a car for a day, a weekend or even longer. Using these tips, the customer can find cheap vehicle rental rates and save money on car rentals.

Go for the unlimited mileage. Unlimited mileage is necessary for those customers seeking unlimited driving time over the period of days without being charged for every mile that the vehicle goes over the limit.

Booking vehicle rentals online can save hundreds of dollars per vehicle trip. Coupons are often available which can give the customer free days for the vehicle rental, or a percentage off of the vehicle rental price. Booking online and signing up for opt-in lists can also enable the customer to receive valuable offers in their future, sent directly to their email in-box.

Ask for the free upgrade. Did you know that often just asking for an upgrade can yield positive results? Many times, if vehicles are not in stock, the customer is eligible for an upgrade as the vehicle should be in stock, especially if a vehicle has been reserved.

Calling the vehicle rental company beforehand can mean the difference of a rental upgrade. Many times, if you call ahead of time, you will be eligible for deals offered to customers that have reserved a vehicle. Especially through the holiday seasons, it is crucial that a vehicle be reserved – just to ensure a vehicle will be available for the vacation.

Did you know that going with an independent vehicle rental company can save up to thirty percent off of the price of a vehicle? When a vehicle is rented with these companies, they are aware that the have to outsell the price of the competition and therefore will lower their prices to reflect these discounts.

Comparing prices online could save up to forty percent off of the price of a vehicle rental. Travel websites often offer these comparisons with one search. One search can yield results for all of the leading, and independent vehicle rental companies can compare the sizes, prices and special offer of vehicles.

Booking a vehicle rental online and bundling the vehicle with airline tickets and hotel means that the consumer can save valuable money on the vacation. Did you know that you could save up to fifteen percent on vehicle rentals? When you are planning a vacation, it just becomes easier to book everything at once, rather than to complete all reservations separately.

Return the vehicle early. Many companies offer discounts and incentives for customers willing to return the vehicle early. Consider returning the vehicle late in the evening before the morning it is due back. This will ensure no extras charges are accumulated and money is saved on the complete car rental bill. Using these tips, your car rental fee doesn’t have to break the bank!

Home Buyers and Sellers Real Estate Glossary

July 3, 2017

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Get the Best Price For Your Car – Tips on How to Increase Your Car Value Cheaply

August 2, 2017

When it comes to selling your much loved pride and joy or in some cases simply a means to an end there will always be that niggling feeling in the back of your mind wondering if the buyer of your car will notice some of the little quarks, faults or downsides that we know exist. Hopefully none of these should be too drastic so you should stop thinking about the least price you would accept; instead you should focus on getting the best price for your car using a few simple techniques that will win the buyers heart.

Assuming all the documentation is in order and the car is fully road legal without any bits hanging off or that make the vehicle look unsightly or badly damaged there is no reason why you shouldn’t expect to get the best price for your car.

Firstly and fairly obviously, though there are some that might overlook it, make sure that the car is clean, not just clean as in that will do clean, but a clean car that is worthy of a showroom. Here it is about finishing touches.

Here are some simple finishing techniques that only use a bit of effort, but are free and make a big difference to the overall appearance of the car once the rest is washed, cleaned, hoovered, and hopefully polished.

  • No smeary windows, clean the insides with a 80% – 20% water to vinegar solution and buff dry with a newspaper or antistatic cloth
  • The above also applies to mirrors, internal and external
  • Remove ANY stickers from rear window and clean off residue adhesives using water – vinegar mix
  • For best results on exterior glass use car polish not glass cleaners – wash glass first
  • The front window should only be cleaned with a warm moist chamois leather and wiped over with a newspaper or antistatic cloth
  • Clean and wash any ashtrays if smoking has taken place in the car
  • Clean headrests and tops of seats as this is so often overlooked
  • Clean internal handles and switches and clean any visual cavities
  • Wash and polish the door-shuts and metalwork on insides of doors as well as boot/trunk and inside the bonnet/hood
  • Take everything out of the vehicle that is not relevant to the vehicle. Only the documentation and a box of tissues should remain

These small details will make a big difference and will certainly help you get the best price for your car not only that, but they shouldn’t cost you anything to do.

Additionally there are also some tips that can be used on how to increase your car value cheaply and without a lot of effort on your part.

Not all of the below will be relevant to your car, plus the outlay for some of the below items should be added to the value of your car and you should be able to recoupe within the sale. This will mainly depend on age, overall value, and type of vehicle you are selling.

  • Ripped or damaged seats should be covered by car seat covers
  • Rips, burns, or stains on carpets should be covered by suitable rubber or material mats throughout
  • Boot floor damage should also be covered with moulded boot/trunk mat
  • Replace old tax disc holder for new round magnetic type – circles have cleaner lines
  • Highly clean tailpipe of exhaust or buy and fix on a tailpipe chrome cover or covers
  • If there is something internally missing such as a cigarette lighter or such like, try and replace it
  • Where possible make sure all bulbs and switches work
  • Any rusty nuts etc in engine bay should be sprayed with WD40

For some reason a car tends to look better overall when the windows and wheels are immaculate. We have already focused on the windows so now it’s time to spruce up the wheels and tyres.

  • Buy and fit mud-flaps or get them fitted by your local tyre fitters
  • Buy and fit chrome dust covers, car type where possible
  • Buy and fit new wheel center caps stylish and current where possible
  • Jet-wash wheels to clean inside as well, unless they have any flakey paint then hand clean only
  • Wash and clean tyres, when dry apply some tyre paint using a paint brush not spraying on and only use sparingly as will fly onto car bodywork when driven. Do not drive for a couple of hours after application

All these things will certainly increase the value of your car and get the best price for your car, but there is no substitute for regular care and upkeep of your car. This alone will maintain good value throughout the vehicles lifetime. The longer cars and car parts are left un-cleaned the harder it will always be to get clean and achieve a desirable finish.

Above all else, be sure that the car smells nice on the inside, this includes the boot/trunk…

Nursing Entrepreneurship Creates New Opportunities For Nurses

June 19, 2017

While too many people in most industries are still struggling to find jobs, nursing continues to be one the most in-demand positions. This demand for nurses brings more than job security, it brings opportunities for nursing entrepreneurship to those nurses who are looking for more than just a job.

Taking the Leap to Self Employment

The first question potential nurse entrepreneurs need to answer is whether freelancing or business ownership really suits them. Most everyone can agree on the advantages: being one’s own boss, more flexibility with one’s schedule, able to focus on the work one enjoys most, and best of all, unlimited economic potential.

There are, however, serious challenges as well. People mistakenly believe that the greatest obstacle in starting a business is having the money to get started. This is false. There are a number of business opportunities that require very little start up capital. If some money is needed, entrepreneurs have a number of ways of accessing it.

Instead, the most common roadblock to entrepreneurship is in the mind. A freelancer or entrepreneur has to have the internal fortitude to put themselves into the marketplace and have the confidence to pursue their vision. Everyone’s confidence waivers from time to time, the larger issue is whether such mental blocks can be overcome.

Freelance or Open a Small Business

Deciding whether to freelance, that is work as an independent contractor, or open a small business that will grow to have additional employees, isn’t a decision that has to be made immediately. In fact, since the value nurses have to sell is expertise, it’s very easy to begin as a freelancer. As demand grows and the nurse entrepreneur becomes more comfortable with the business side of the work, then a freelancer can transition into a small business if one wants.

In either case, there are legal issues surrounding working as a freelancer and starting a business. A number of organizations that specialize in helping new entrepreneurs or nurse entrepreneurs specifically can offer some guidance on the potential legal issues that can arise. They will also likely be able to connect new entrepreneurs with lawyers who can help.

What Types of Nursing Businesses Exist

The best businesses are those that find a need in the marketplace that isn’t being met. Any nurse who’s worked through the system can list the situations where nurses, medical staff, patients, or anyone part of the health system has gotten frustrated by an issue. Exploring potential solutions for those types of situations can lead one to a good business idea.

However, it isn’t necessary to reinvent the wheel. There are a number of well-established nursing entrepreneurship ideas that others have already made successful. Just as the need for nurses grows as health becomes a larger national issue, so will the need for the types of nurse entrepreneur businesses that already exist. One should never think because the business already exists, the marketplace is full.

Experienced nurses can use their backgrounds to pursue any of these entrepreneur ideas:

- temporary staffing services

- home care service

- care case managers

- medical bill review

- personal coach in wellness, nutrition, or patient advocacy

- operational consultant for facilities

- trainer either for other medical professionals or to general public as part of a wellness clinic or program

- medical equipment or clothing supplier

Copyright (c) 2012 Nurse Entrepreneur Network

How to Shop For a Woman

July 28, 2017

There’s a saying that goes, “Women are from Venus, men are from Mars;” this saying does hold true when shopping for a woman. It can get quite difficult and intimidating to buy gifts for a woman, like an anniversary present or a gift for Valentine’s Day. Many men get intimidated when shopping for women, because it’s quite difficult to know and understand what a woman really wants. There are times that even the most heartfelt and well-intentioned gifts can spark fits of the wrong emotions in a woman. Shopping for women doesn’t have to be a roller coaster of confusion; here’s a quick guide to help.

Think Like a Woman

To shop for a woman, you have to get in touch with your feminine side. Whether you’re shopping for your mother, your sister, your wife, or your girlfriend, you need to have a good idea of what she likes. Don’t go for obvious things like jewelry or flowers or teddy bears. Every woman has a unique personality, which means that what she really wants may fall under a stereotype or an idea you have of what women want.

Go for the Sale

Many women love sales. Sales are that time of the year where everything good comes cheap. The mall may be crowded during mall-wide promo sales, but the extra time and effort you spend looking for a gift is well worth the savings you get if you buy shop on a sale. Sales can be difficult to come by, and can get a bit stressful especially with a crowd of shoppers. Here are some tips to keep in mind when shopping at a sale.

* Holiday and clearance sales. The most expensive items usually have up to a 50% markdown during special sales, when stores and boutiques need to clear out inventory. Make sure that you’re not buying old stock, and that you’re getting the best value for money.

* Discounts. Shopping for women can get a bit expensive. Store owners know this, and try to offer discounts for gift items for women as much as they can. Discount goods need not be cheap; as long as the gift is of a good quality and has a reasonable price, then you can buy it.

* Follow the leader.

Duplicates and One-of-a-Kind Items

If you think that shopping for women won’t get any more difficult, think again. Some women prefer to have two or more items of the same variety, and some prefer to have a one-of-a-kind item that only they own. What makes it even more confusing is that many women have certain preferences on what items should be bought in duplicates, and what items should be one-of-a-kind. To make things easier for your shopping day, here’s a quick list of what can be duplicated, and what should be extra-special:

* Duplicates: perfumes, shoes, jewelry, make-up kits, skin care products

* One-of-a-kind items: clothes, bags, purses, watches, bracelets

Keep Up With Trends

While reading a fashion or women’s lifestyle magazine may sound unappealing and completely beneath your manhood, it’s always a good idea to do research before shopping. You don’t have to completely and thoroughly read the articles as much as you would a hotrod magazine or the latest video games; the least you could do is to look at pictures, memorize them, and look for similar items at the boutique or the department store. That way, you can keep your friend or significant other trendy and happy with the way she looks.

Shop, and Get It Over With

One of the reasons why men find it so difficult to shop for gifts is the very idea of shopping. For some men, a boutique or a store that specializes in women’s apparel and accessories is like a punishment for some unknown sin. While the place may seem a bit too feminine and fluffy for your own tastes, the only way you’re going to get a good gift for that special woman in your life is if you enter the store, have a good idea of what you’re going to buy, make shopping quick, and high-tail it out. Chances are, though, that you may enjoy the shopping experience more than you’re willing to admit to yourself.

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