Sometimes you are met with the reality that you are stuck in a career…and headed nowhere fast. Here’s what you need to do the moment you realize that you have become tired of your career.

1. Begin by making a conscience effort to separate your disdain for the job (and the people and the policies) from those small tasks in the job that bring you at least a little joy.

2. Don’t let the fact that you are tired of your career get you sidetracked - promise yourself that you will separate the people from the issues.

* To make this a little more doable, pretend to watch yourself from an outsider’s perspective.

* Pretend like you are the star of a new movie…and in that movie you watch how your current career unfolded…scene by scene.

3. Look closely at all of the tasks involved in doing your job. Make sure you observe everything - from the mundane to the exciting.

* Take an assessment for everything you do in your job.

* It doesn’t matter whether it’s a task that you do everyday or one that you do once every two years…place it on the list.

* Perhaps you interact with customers, or you interact with a team…list out all of the various things that you do or have done in your job

4. Now…go down your list and give each job task a score between -3 and 3 based on how much you liked (or disliked) that particular task.

* Use a “-3″ for those tasks that you hated with passion.

* Use a “%2B3″ for those tasks that made you feel like “yeah…THIS is what I was made to do.)

* Use any number in-between -3 and %2B3 to score the rest.

5. Take a look at those task that scored anywhere from -3 to 0.

* Those are the tasks that you can do without in your next career.

* Those are the tasks that are driving you bananas and making you want to tear your hair out.

6. Now take a close look at those tasks that were scored %2B1 and above.

* They will give you an indication of the types of new career move that might fit your more closely.

* These are the tasks that you need to try to match to your new job.

* These are the tasks that you organize your resume around in an effort to attract a new job.

Sometimes when you are tired of your career, you get locked into looking at everything that you don’t like about it.

You find yourself not liking the people, or the policy or even the job task itself…but when it comes down to it, the job that you are in had to have something about it that attracted you in the first place.

Give yourself a little credit.

* Even though you’re tired of your career because it involves a lot of stuff that you DON’T like…there has to be something about it that you DO like.

* Force yourself to look at your career to find those things that you like will help you figure out your next step.

* Your challenge is to identify that something that attracted you to your job.

When you become tired of your career…don’t make the mistake of leaping BEFORE you give yourself a chance to do a thorough what-I-want-from-my-next-career assessment.

* Recognize the signs of career burnout…and then create a plan of action that will move you forward.

* Though you are tired of your career - and you know what you DON’T want…it’s just that you’re not quite sure of what you DO want.

*The next step of career success requires proactive planning and action from you.

* Then, Review The 10 Biggest Career Change Mistakes And What You Should Do To Avoid Them.

Whatever you do, don’t stay stuck in a career that you hate. Protect yourself by figuring out what it is that you want from your next career.

You deserve to be in a career that makes your heart go wild!

* Signed: Latarsha Lytle, MBA your career positioning advocate…and your greatest fan.

Latarsha Lytle is a motivational business and career consultant who works with women who are looking to do more with their lives to find flexible and rewarding careers and businesses that kindles with their passion and fits into the context of their life.

She works with many women to wrap their SweetSpot, THAT thing that they were made to do, into a career or business that fits their life, stirs their passion, earns them money AND lets them leave their mark.

For more information on positioning yourself for career success, go to http://www.career-change-positioning.com

Or…if you have a burning desire to get your business ideas into action, then , go to http://www.small-business-ideas-branded-by-passion.com

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Posted: July 4th, 2008 under Jobs And Career.
Comments: none

You want to take a cruise vacation, but how do you pick the ship? Youre the cruise planner in the family so first, consider the type of ships. They run the gamut from small yacht like ships to mega-liners holding over 3000 passengers. The small ships normally do not have constant activities throughout the day while the mega-liners schedule loads and loads of things to do. Choose your type of ship by whether or not you want time to yourself or if you want to be entertained. When considering cruise travel keep the following things in mind.

A small ship, 500 or fewer passengers, will have small musical shows in the evening while you will be free to do as you please during the day. This type of ship is for an intimate cruising experience. Being on a small ship is like staying at a beautiful bed and breakfast versus being at a large chain hotel. A smaller ship can also go to less frequented destinations due to its ability to maneuver in tight spots.

A mid size ship, 500 to 1000 passengers, will usually have local groups come on board while in port and perhaps a piano player or a duo. An advantage to a mid size ship is that lines seldom form and when the do they clearer quickly.

Now, your mega-liners will boggle your mind with activities and entertainment. There are ships out there that have skating rinks and rock climbing walls! When you are on these ships, be sure to carry around the pocket size layout of the ship that will be in your cabin on day one. (Get additional ones at the pursers deck). The disadvantage of these ships is that they are crowded and you will have to stand in long lines. One important thing to know is that some of the really large ships cannot fit in some of the docking facilities therefore making it necessary to tender into port. The tender is a life boat that constantly goes from ship to shore. This is important if you are handicapped or afraid of small boats.

Cruise Tip: When in a large port like St. Maarten where it is necessary to tender in to shore and back to the ship, be sure you get on the tender that goes to your ship. There may be as many as 8 ships in port and it would be easy to board the wrong tender after a long day of sun and surf. It could make it quite dicey if it is near the time of departure for your ship.

Ask yourself a couple of questions. Do you want an intimate laid back voyage? Are there any facilities that are important to you like spa packages, healthy exercise, or culinary delights, cultural experiences? These are essential questions when planning cruise travel.

Cruise Tip: The Spa Experience. Use the cruise to take a spa vacation while your kids are entertained and your spouse is learning about new Computer techniques. Yes, you can have a spa experience with all the treatments that you have at a traditional spa and the spa cuisine. All of the top lines have healthy alternatives on their menus and some of the spas are state of the art, many of them managed by land based spas. So not only will everyone be entertained, but you can experience that long awaited week at the spa. I have read many cruise reviews that love the spa experience.

If you have a tendency to be seasick, book a mega-liner, you will reduce the chance of that malady. On the really big girls you hardly know youre moving. (Ships are always referred to as she, her or Lady i.e., the QE2 is known as the grand old Lady of the Seas).

The type of ship should always be considered to get the most enjoyment from your cruise. Rule of thumb is that the larger the ship the more amenities while the smaller ships are more personalized. We took a cruise on a luxury small ship to the Greek Islands and by the second day everyone knew our names and the service was stellar.

One other consideration is the number of ports that you visit. A ship that stops in a port everyday can be tiring, besides its nice to spend a day or two at sea. If you are going back to a port previously traveled, stay on the boat. Its terrific to have the ship all to yourself. These are also good days to visit the gym or schedule a spa treatment, theres hardly anyone using the equipment or the spa personnel.

Common sense tells you that the longer the trip the older the passengers since they have the time and resources to take long voyages. Ships are very different, from the all day partying of Carnival, to the quiet laid back ultra luxury of SeaDream Yachts.

Cruise Tip: Maiden Voyages come with all the bragging rights but you might want to rethink that, especially if you are a first time cruisers. On maiden voyages the crew is unseasoned. They dont necessarily know where everything is or how everything works and this can cause delays in service. Sometimes a cruise line will borrow a staff from another ship to sail the maiden voyage of a new ship and train the staff. Same thing applies, this is a new ship and everybody is learning. Better to let the ship break in for at least six months before choosing her to sail. Construction delays can put a new ship off schedule so dont book a month or two out from the announced Maiden Voyage, since you might then find yourself on the Maiden Voyage. There exists a chance of things going wrong like the plumbing or the electrical.

The same thing applies to a ship that is coming of dry dock or refit. Many things can and do go wrong. Have your travel agent check to see if the ship has just been refurbished and if it has, pick another one.

Equipped with this information you should be able to find the ideal ship for your cruise vacation. So what are you waiting for? Call your Travel Agent and Set Sail!

Happy Cruising!

Copyright 2006 Mary Hanna All Rights Reserved.

This article may be distributed freely on your website and in your ezines, as long as this entire article, copyright notice, links and the resource box are unchanged.

Mary Hanna has traveled the world by Air and Ship while writing eBooks, Software Reviews and Practical Articles on Internet Marketing, Cruising, Gardening and Cooking. Visit her websites at: http://www.CruiseGold.com http://www.CruiseTravelDirectory.com and http://www.CruisingTips.com or contact her at mhanna@cruisepublishing.

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Posted: July 4th, 2008 under Cruising.
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Giving birth to twins (and sometimes to triplets) is a dream of many women, regardless of the fact that plural pregnancy proceeds more difficult and requires a special vigilance. But all troubles are overcome due to some certain aureole of heroism and a wish to take all pains at one go. Its interesting, that for the last 20 years, statistics of giving birth to twins, triplets and more increased significantly. Deliveries of 0,5 2% of women finish with birth of twins, triplets, more seldom four and five babies.

Do you have a chance? This depends on several factors:

1. Age of a mother.

This is one of the reasons of increasing amount of twins birth a worldwide tendency to late deliveries. A probability of birth of two and more babies increases, if a mother is older than 35 years. (By the way, this chance increases even more after 50 years). Unfortunately, if youre less than 25 years, your chances are half of chances of those who are 35. The matter is that with age, ovulations take place not during each cycle and this is quite normal. As a result, free hormones, affecting ovulation, accumulate and release during the following cycle, stimulating coming out of several ovules at once.

2. Inheritance.

If some of your or your husbands relatives has twins, then your probability of giving birth to several babies at once is extremely high (especially, if you inherited this trait from your mother). And, regardless of common opinion, this does not necessarily take place in one generation you can inherit a gene, which is responsible for formation of several ovules, suitable for insemination, in your organism.

3. Genesial technologies.

Often women, who were prescribed hormonal medicines during sterility treatment or while preparation to artificial extracorporal fertilization, get plural pregnancy. Hormonal medicines stimulate ovulation in the midst of a cycle and, if a woman receives overdose of a medicine, then several ovules come out of ovary follicle at once, not just one. As a rule, doctors remove excess ovules. Burt sometimes women refuse from it, due to religious or other motives. In USA and Israel there were cases, when women gave birth to 6 or 7 babies at once.

Sings of plural pregnancy

Its very easy to determine a quantity of babies youre going to give birth to you can do it with the help of echography on 5-6th week of pregnancy, but therere such situations, when you cannot pass through echography. So, it will be good for you to learn some signs of pregnancy with twins. Moreover, unfortunately, doctors not always can give you an exact answer about your pregnancy during the first 10-12 days.

Psychological factor. You should not ignore your intuition. Many women can be assured in the fact that they are pregnant with twins since the moment of conception already. Often mothers of twins admit that they knew about their forth-coming birth on the earliest terms of pregnancy. If you feel, youre expecting twins, tell your doctor about it for sure.

High biochemical indexes. Women pregnant with twins have increased indexes of some biochemical tests. For example, content of alpha fetoprotein it produces a growing fetus and come to mothers blood. Or a high content of a hormone HCG (human chorionic gonadotropin), which supports pregnancy. While placenta is developing, its presence can be determined in blood or urine even before delay of menstruation, and lots of pregnancy tests are based on its indexes.

Intensive morning sickness and/or vomiting. More heightened, in comparison with usual pregnancy, content of hormone HCG (pregnancy hormone) can increase morning sickness. Sickness, sometimes accompanied by vomiting, can already appear a week after conception, i.e. even before your usual menstrual cycle begins. Sickness appear more often in the morning, but its also possible in any other time of a day.

Intensification of other pregnancy sings. Many (but not all) women, expecting twins, suffer from other intensified sings of pregnancy due to a significant increase of hormones, in comparison with usual pregnancy. For example, they feel heightened breast sensibility, more frequent impulses of urination, extreme tiredness and hunger. In the second term a woman may suffer from strong breathlessness, hands and legs spasms, sudden increase in weight and belly sizes, and an intensive stir of fetus. Hemoglobin decrease or anemia are also usual events for plural pregnancy. And in general, this is not surprising, as during such pregnancy a load on a future mothers organism increases in several times, depending on the quantity of babies shes bearing. Unfortunately, this means that complications are much more often met during such pregnancy.

Quick weight increase since the first days of pregnancy. By the way, this is one of the first sings of two babies presence in a womans uterus. This is absolutely normal: double nutrition plays an important role during the first term of pregnancy. And a quick weight increase is necessary.

High physiological indexes. During the first medical examination doctors will be already able to tell you that your uterus size is little bigger for your assumed term of pregnancy. This tendency will remain for the whole term of pregnancy. Other physiological indexes will be bigger too: circularity of belly through navel, height of uterine fundus standing and others.

Heartbeat of two hearts can be heard. When a doctor begins listening to a babys heartbeat, he will hear beating of two hearts, instead of one. Two separate heartbeats can be heard on the 13th week of pregnancy already, by the 28th week a doctor will be able to determine 3-4 large parts of body (head and bum) and many small ones by touch.

Yana Mikheeva is the creator of the Baby-Health.Net at http://www.baby-health.net
Are you going to get pregnant? Visit our friendly resource and read information on pregnancy and parenting, painless childbirth, growth and development of a baby, baby health, safety, signs of pregnancy.
She also has a blog for women at http://www.womanspassions.com/blog/

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Posted: July 4th, 2008 under Pregnant Women.
Comments: none

Why would you want a weather emergency alert radio for your home, business or farm? I can offer several very good reasons that a weather alert radio is a great investment to protect your home, family or business.

A weather emergency alert radio is a crucial tool if you want to be kept informed about emergency conditions such as tornados, deadly thunderstorms, hurricanes, hazardous chemical spills, forest fires, natural disasters or terrorist attacks.

There are two types of emergency broadcasts that a weather alert radio can receive here in the U.S. They can recieve broadcasts that come from the National Oceanic and Atmospheric Administration (NOAA) and broadcasts that come from the Emergency Alert System (EAS).

The NOAA broadcasts are managed by the National Weather Service which is a division of the National Oceanic and Atmospheric Administration. The NOAA broadcasts travel conditions, storm warnings, weather forecasts and emergency alerts 24 hours a day, 7 days a week.

The Emergency Alert System or EAS broadcasts national as well as local government emergency alerts regarding issues affecting the public health and safety. Emergency Alert System broadcasts comprise warnings regarding weather emergencies like tornados, earthquakes, toxic chemical spills, radiation disasters and other emergencies which require that the public is notified and alerted immediately.

The best choice of emergency alert radio to get a radio that utilizes the SAME (Specific Area Message Encoding) specification. An emergency alert radio that has S.A.M.E capability built into it will receive every NOAA and EAS broadcast. A SAME capable radio ensures that you receive the best of both worlds plus SAME technology has the added feature of allowing you to only receive information for specific counties as opposed to an entire regional broadcast area. A SAME capable radio might cost you a bit more but the piece of mind for your family, business or farm is well worth it.

To sum up, an emergency alert weather radio can keep you immediately apprised of emergency conditions that threaten your home, family or business. Can you put a price on that?

Visit Weather Station Central for more information on weather radios and to find discount Oregon Scientific weather emergency alert radios, discounted La Crosse wireless weather stations and weather forecasters and other weather equipment at bargain prices.

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Pregnancy can put pressure on the sciatic nerve that causes leg pain. Some chiropractors say they are able to resolve this problem. They also say there are techniques that will help ensure a safe and easy delivery.
.
The actual goal with chiropractic care during pregnancy is to make the whole body operate better and not just the high-stress areas affected by pregnancy weight gain in the lower abdomen, hips and breasts. Chiropractors aim not necessarily to relieve the pain, but to make the body function better with adjustments. They also aim to ensure a safe and easy delivery.

Pregnancy and delivery of a child changes a womans hormones, which can trigger headaches and make stress on the body worse than was before the pregnancy. Pregnancy does affect the whole bodys functions. Chiropractors feels if the nervous system is functioning better, the body functions better, and also gives your baby a better chance of developing normally.

Chiropractic care during pregnancy has increased over the past 10 years. Members of the International Chiropractic Pediatric Association are seeing a lot of pregnant women and children.

In fact, some chiropractors say pregnant patients are actually suppler because the body releases a hormone called relaxin, which helps to relax ligaments and other parts of the body.

Chiropractors are getting less resistance from obstetricians and gynecologists. Younger OB/GYNs seem to be more open to chiropractor care for their pregnant patients.

However, there was resistance after the development of the Webster In-Utero Constraint Technique in 1978 was introduced. Some OB/GYNs thought the technique involved shifting the fetus.

Chiropractors say the baby is not contacted at any time during the Webster In-Utero Constraint Technique and that an easier birth is the goal of this technique. They also argue that when a baby is constrained and does not move normally the result can be a breech birth or require Cesarean delivery. The Webster In-Utero Constraint Technique is supposed to help the baby move normally.

The chiropractors who have used the Utero Constraint Technique say it was successful in allowing the fetus to adjust to a head-first position.

You can learn more about the International Chiropractic Pediatric Association or locate a member chiropractor at .

You should of course always consult your health care provider about your interest or intent for considering chiropractic care during pregnancy as many health care providers still resist chiropractic care during pregnancy.

Source: The Messenger-Inquirer

Disclaimer: These statements have not been evaluated by the Food and Drug Administration. The information in this article is not intended to diagnose, treat, cure or prevent any disease. All health concerns should be addressed by a qualified health care professional.

This article is FREE to publish with the resource box.

Written by: Connie Limon Visit us at http://smalldogs2.com/PregnancyArticles for an extensive list of FREE reprint articles all about pregnancy.

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Youve seen the emails:

“Legally eliminate your mortgage!!”

Can this possibly be true? Well, Ive read the claims and researched the law and heres what I came up with.

The Claim

The claim is that you can legally eliminate your mortgage based on an accounting loophole that goes something like this…

If the lender who funded your loan used borrowed money to fund your loan, then the loan is not valid. And, since the loan is not valid, the security (mortgage or deed of trust) is not valid either. All you do is simply march into court and ask a judge to void your mortgage lien, and you dont have to pay it back.

Now, without going into the legal issues, a common sense approach would tell you that the entire premise of this argument is patently absurd. Think about it… most lenders use borrowed money to fund loans, thats the nature of the business.

So, if these mortgage elimination promoters are correct, then millions of mortgages would be void. The entire economy would collapse. This sounds vaguely familiar to the tax protestor scam where people claimed that they didnt owe income tax because the government did not have the constitutional authority to tax them. More on that later…

The Law

The mortgage elimination promoters cite various court cases in support of their position. At first blush, it would seem there are dozens of court cases in which the judge actually did what they claimed, that is, declare a mortgage void because the lender used borrowed funds for the loan. But, since most laymen are not trained in the law, they take this stuff, hook, line and sinker.

Ive read the decisions and they all have a common theme: they dont support the mortgage elimination theory. In fact, most of the cases are only vaguely on point.

The “tax protestor” promoters did the same thing… take a quote from a judges decision out of context and cite the case as support for their position. In the end, the tax protestors all lost in court, paid large fines and went away with their tails between their legs. The government went after the promoters of the scam.

Similarly, the government is going after the promoters of the mortgage elimination scam. The Federal Reserve recently issued a warning, a copy of which can be found at the end of this article. The Office of the Comptroller of the Currency issued a similar warning last year.

The FBI recently raided the office of the Dorean Group, a big promoter of the mortgage elimination scheme. Click here to read about it.

The Cult of Stupidity

As I write this, undoubtedly a few “followers” of the theory will email me and argue that I dont understand or that Im part of the “establishment mentality” that keeps the little guy down. Of course, these are likely the same people who are collecting referral fees from the scammers that are charging thousands of dollars to consumers in exchange for a false promise to eliminate their mortgages.

On a philosophical level, I appreciate discussions about how the dollar really isnt backed by gold, the government doesnt have the right to tax Americans and the the like. But I wouldnt tell a client to actually rely on any of these theories in a court of law. Nor would I charge someone thousands of dollars in exchange for a promise or guarantee that their mortgage could be eliminated without paying it off.

How to Really Eliminate Your Mortgage

There are some legal ways to eliminate your mortgage:

1. Pay it off in full
2. File for chapter 7 bankruptcy (in which case you will not be liable for the mortgage note, but you will also lose the house)
3. Find a REAL legal challenge that a judge is willing to accept as a valid reason to declare the debt void, such as usury, gross violation of lending laws, fraud, incompetency or the like.

BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM WASHINGTON, D.C. 20551

DIVISION OF BANKING SUPERVISION AND REGULATION

SR 04-3 January 28, 2004

TO THE OFFICER IN CHARGE OF SUPERVISION AND APPROPRIATE SUPERVISORY AND EXAMINATION STAFF AT EACH FEDERAL RESERVE BANK AND DOMESTIC AND FOREIGN BANKING ORGANIZATIONS SUPERVISED BY THE FEDERAL RESERVE

SUBJECT: Debt Elimination Scams

Board staff has become aware of various illegal schemes being offered to the public that purport to eliminate outstanding debt through the use of specially prepared documents. The organizers of these schemes concoct specious legal documents based on the borrower’s debt, which are then presented to the borrower’s bank, mortgage company, finance company, or other lending institution in an attempt to satisfy the debt. The scams are reminiscent of the tax protesters’ tax evasion schemes seen throughout the 1990s.

The purported legal documents used in the current scams include fake financial instruments that claim to eliminate the borrower’s debt obligation. The instruments usually question the authenticity of financial obligations, and often refer to a specific government agency (such as the Federal Reserve) in an attempt to support their claims. Some of the literature seen by Board staff questions the legitimacy of the Federal Reserve and the validity of United States currency. The literature may selectively cite from passages of government publications, statements by politicians, constitutional provisions, court decisions, various statutes, and private newsletters to support claims and to ultimately conclude that a specific government agency sanctions these debt elimination programs. For example, some of the documents specifically refer to the elimination of debt through the use of a “Federal Reserve approved” procedure.

Debt elimination programs that claim Federal Reserve approval or acquiescence and the satisfaction of legitimate debts through the presentation of suspicious documents are totally bogus. The Federal Reserve does not approve and is in no way involved in any program aimed at eliminating anyone’s debt obligations.

These schemes are proliferating on the Internet, and the organizers are charging borrowers substantial up-front fees and commissions based on the total amount of debt that can be forgiven. Members of the public are being harmed as borrowers generally pay significant amounts of money without eliminating or reducing their overall debt obligations - which of course is not in fact possible through any of these programs. Also, the cessation of legitimate loan payments increases the risk of a foreclosure or other legal action being taken against the borrower, and in addition could negatively affect a borrower’s credit rating. Financial institutions may find that the use of the specious documents complicates the collection process, and may at least temporarily prevent any final action against the consumer.

Examiners and banking organizations should be cognizant of these scams, and the public should avoid becoming involved with them. Bank holding companies and state member banks should modify their policies and procedures as needed to ensure that staff involved in any way in a lending function is able to identify and respond appropriately to these current schemes. If an institution supervised by the Federal Reserve is presented with fraudulent documents as described in this SR letter, the institution is expected to file a Suspicious Activity Report (SAR) in accordance with the Board’s suspicious activity reporting rules. The banking organization must also retain the written materials associated with the purported debt elimination scheme as supporting documentation to the SAR, as required by the Board’s SAR rules.

Reserve Banks are asked to distribute this SR letter to domestic and foreign banking organizations supervised by the Federal Reserve in their districts. Questions regarding apparent fraudulent debt elimination schemes can be directed to Leonard Zawistowski, Senior Special Investigator, at (202) 452-6488.

Richard Spillenkothen

Director

http://www.federalreserve.gov/boarddocs/srletters/2004/sr0403.htm ALERT from the Office of the Comptroller of the Currency.

Subject: Illegal Financial Activity Description: Fictitious Debt Elimination Schemes

Date: October 1, 2003 TO: Chief Executive Officers of All National Banks; All State Banking Authorities; Chairman, Board of Governors of the Federal Reserve System; Chairman, Federal Deposit Insurance Corporation; Conference of State Bank Supervisors; Deputy Comptrollers (districts); Assistant Deputy Comptrollers; District Counsel and All Examining Personnel

RE: Debt Elimination Schemes using Fictitious or Worthless Bonds, Due Bills and Bills of Exchange

Please be advised that worthless instruments entitled “Bond for Discharge of Debt”, “Bill of Exchange,” “Due Bill,” “Redemption Certificate,” or other similarly titled documents continue to be presented to financial institutions, mortgage companies, credit card issuers, and retail establishments throughout the United States in an effort to eliminate legitimate debts. Many of these schemes are premised on baseless or fraudulent claims against the United States Treasury, the Secretary of the Treasury, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Internal Revenue Service, or other federal or state agencies. (See also OCC Alert 2003-7 and OCC Alert 99-10).

Regardless of how such instruments or documents are titled or whether they appear authentic, they are worthless, have no legal validity, and are not payable through the United States Treasury, the Secretary of the Treasury, the Comptroller of the Currency, or any other federal or state agency. The OCC is aware of the following organizations and Web sites promoting these fraudulent schemes: America’s Advantage eliminatemortgages.com goodbyemortgages.com mortgageelimination.net the7thfire.com Financial Dynamics remedywithredemption.com

The creation and presentment of these fictitious instruments may be a violation of Title 18, Section 514, Fictitious Obligations, or other federal criminal statutes, and any person(s) using such fictitious instruments with the intent to discharge valid debts may be subject to criminal prosecution. If a fraudulent document such as those described above is presented to your financial institution, do not return it. Instead, retain the document and file a Suspicious Activity Report. Deliver the instrument and a copy of the SAR to the local office of the Federal Bureau of Investigation.

Please direct any questions or provide further information to the attention of the OCC at:

E-mail: occalertresponses@occ.treas.gov Mail: Office of the Comptroller of the Currency Enforcement & Compliance Division, MS 8-10 250 E Street, SW, Washington, DC 20219 Telephone: (202) 874-4800 Fax: (202) 874-5301 Internet: http://www.occ.treas.gov/

William Bronchick, CEO of Legalwiz Publications ( http://www.legalwiz.com ) is a Nationally-known attorney, author, entrepreneur and speaker. Mr. Bronchick has been practicing law and real estate since 1990, having been involved in over 1,000 transactions. He has trained countless people all over the Country to become financially successful, speaking to audiences of as many as 16,000 at “Get Motivated” events sharing the stage with names like Rudy Guliani, Steve Forbes, and Colin Powell.

His best-selling book, “Flipping Properties,’ was named one of the ten best real estate books of the year by the Chicago Tribune. William Bronchick is also the author of the highly acclaimed books, “Financing Secrets of a Millionaire Real Estate Investor”,”Wealth Protection Secrets of a Millionaire Real Estate Investor”, and his latest work, “Defensive Real Estate Investing”.

William Bronchick is the co-founder and President of the Colorado Association of Real Estate Investors ( http://www.carei.com ) He is admitted to practice law before the bars of New York and Colorado.

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The Bureau of Labor Statistics has predicted a rise of about 55 percent in the number of consulting opportunities in the period between 2002 and 2012. This is the best time for baby boomers who are on the lookout for career growth opportunities. Consultancy provides an opportunity to postpone their retirement and advance their career at the same time.

Building a consulting practice can help you establish regular clients that can look up to you for advice and guidance. In addition, you can also have flexible working hours that leave plenty of free time to pursue your hobbies.

If you are planning to set up a consultancy practice, you should know that consultancy is not for everyone. There are times when you may not have any work at all and hence you should be able to deal with stress that follows. However, if you plan your moves correctly, you may end up having a booming consultancy practice. Listed below are a few sure shot ways of getting business and having a thriving consultancy practice.

Promote Yourself

Irrespective of your field of expertise, marketing is crucial for the success of your consultancy practice. Let business communities know that you are out there eager to solve their problems and make a positive difference to their business. To become successful consultants, you must prove your value so that your clients understand how you can help their business. Establishing a clientele is crucial to maintain a steady income.

Networking

Rekindle your old business relationships. All successful consultants have tried this before and managed to get clients. Networking is also important to build new business relationships that can advertise your services and thus help you to establish yourself in the consulting business.

Explore the Internet

There’s no better place than the Internet to find lucrative consulting opportunities. Make sure that your consulting practice has a virtual presence to reach out to business communities. Let the world know about your skills so that they can approach you in their hour of need.

Write articles

You may write articles related to your area of interest so that people know you. Publish your articles on the Internet, or in local newspapers to get noticed. You may also participate in seminars and deliver lectures on subjects pertaining to your field to market yourself. Holding free information seminars can also help you increase your clientele.

Offering Free Sessions

You may have to offer free introductory sessions to prospective clients to show them how your services can help their business. These sessions will in the long run help you get a lot of clients who believe in your abilities. You may also consider speaking to association groups and non-profit organizations can also give you more exposure and get a list of referrals.

ANNA D. BANKS, GCDF is an adjunct professor at Essex County College; career development and marketing coach; speaker, and author. Ms. Banks serves on the 2007-2008 Educational Development Committee of the International Association of Workforce Professionals (IAWP). Anna helps individuals design a game plan for a career or business. Since 1996, Anna has helped hundreds of job-seekers, managers, business owners, and sales professionals achieve career success.

Author’s Note:
Do you have any questions about career development or lifestyle changes for Baby Boomers, which you think others, like you, would want to know the answers? Please post a comment on my blog Boomer-Entrepreneur After Work or email your questions to me at Anna@AnnaBanks.com

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In the investment property industry, it is a common story shared about the new property investor that thought he had done the right research on his investment home only to find that the investment homes he had been comparing were not of similar specifications and the consequence was that he lost out financially in a big way. There are four key features that your research must assess before you take the step in purchasing your next investment home.

All investors can be prone to making poor decisions and suffering a financial loss, but you can avoid this by simply researching the investment markets and the properties you are interested in.

Not only do you need to take the time to research (research . and then research some more) every potential property, but you must ensure that your research is comparing apples with apples.

Once you have decided on the appropriate estate for your investment, the most important facts to check are the building specifications of every potential investment property.

Key Issue 1: The most obvious issue that you need to be aware of are the size of the block of land and the square meter area of the investment house.

Advertising descriptions need to be read carefully and all aspects of the advertising carefully analyzed and understood to minimize confusion. Let us take two real world examples and assess what they are offering:

HOUSE A:
Bellevue Estate - $430,000
Location - Lot 21 Grandview Drive

This expertly designed 200 m2 home on a 720 m2 block in the Parklands Estate is an ideal family home. With an outstanding family room and an additional alfresco dining area off the family room, this will give your family lots of living space.

HOUSE B:
Bellevue Estate - $400,000
Location - Lot 30 Petite Court

All hands up who want a massive 15 sq m outside dining area. If you live in the tropics, then who wants to live inside. This spacious 184 m2 home, situated on a 460 m2 block, is designed with this fantastic outside dining area, this is the Number One tropical home for the family.

Q1. Do These Descriptions Describe The Same Investment Home?

Q2. Will both of these Investment Homes Offer The Same Rate of Return?

Q3. Do they contain the same Features?

Well in reviewing the two descriptions you do find that they have common factors:

They are both in the same estate and have four-bedrooms, a main bedroom with ensuite and a double car garage, but these properties have very different rental appeal and financial growth potential.

When comparing these two properties and taking into consideration that one is a 200 sq m house on a 720 sq m block, priced at $430,000 and the other is a 184 sq m house on a 460 sq m block, priced at $400,000 its easy now to see the REAL value!

Yes, it may cost you $30,000 more but look at the extra land value and house space youre getting with HOUSE A compared to HOUSE B!

With this information on board, it is up to you to decide on your price point and investment philosophy.

I mentioned earlier there were Four Key Issues that you need to research when choosing an investment home and the First Key Issue was to look at the size of the property and also the size of the home.

Whilst there are many issues that need to be considered when choosing the right investment property, there are three other key issue points of comparison that should be considered and they are:

Key Issue 2: Assess the Nominal ceiling height Be aware of the ceiling heights do they vary. There is no industry standard and they can be from 2.5 to 2.7 meters. Building the ceiling heights .2 of a meter higher adds to the building costs and also to the aesthetic and practical appeal of your property to potential tenants.

Key Issue 3: Review the TURNKEY inclusions this area varies a lot from building company to building company. Some of these are:

Number of Power Points
Number of TV points
TV antenna
Number of Phone Points
Dishwasher
Venetian blinds to windows
Letter box
Remote control garage door
Automated irrigation systems
Security Screens on windows & external doors
Turf & landscaping
Fences
Sealed Driveways

Key Issue 4: Assess the Building & the Quality of the Fixtures and Fittings The quality, guarantee and warranty vary greatly in todays market. It is essential to ask the question and ensure that you always receive documented evidence of the guarantees and warranties provided by the building company.

With a home investment property, added extras will translate to a higher rental return but always ensure to calculate the value of the extras vs the rental return into your financial planning.

Never rush into buying your investment home. Always take the time to consider all the factors impacting on you potential investment and this will ensure that you will make the right decisions on what to buy and improve your potential return on investment!

North Haven Homes is one of Australia’s premiere builders of new homes and investment homes. To find out more about buying a new home or an investment home simply visit Townsville New Home Builder or to see their current range of new home packages, simply visit Townsville House and Land Packages

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Things have certainly changed a lot over the past few years. In the past, when a women was pregnant she was told not to exercise in fear that it might cause damage to the unborn baby in some way. Today things are totally different and women that are pregnant are recommended to find a good pregnancy exercise routine program. It is no longer believed that exercising will hurt the unborn child as it was believed in the past. That is as long as the mother follows the advice of her doctor and does not overdo it.

Pregnancy workout gains both you and the baby. For one thing, it increases the blood flow in your body. It helps to give you more energy while helping you feel better all over. Exercise is a natural way of keeping your body healthy. It will also make it much easier for you when it comes time for you to have the baby. This is because the better shape your body is in, the easier it is for you to go through the delivery process. Another big plus is that it will also take less time for you to get your body back to the pre-pregnancy shape you had. This can be wonderful news for pregnant women.

If you want to get the most from your pregnancy exercise routine, then you need to follow a few simple rules. Begin by avoiding all exercises that require you to lie flat on your back. These can cause the blood flow to your baby to slow down. Always do stretches before and after you exercise to warm up and cool down your muscles. Avoid working out in very hot weather and take a break if you become short of breath or tired. Avoid working out until you become exhausted and if you feel pain, then stop the routine until you can talk to your doctor.

Pregnancy workout exercises will make a big difference as long as you use common sense and do not do anything that can cause harm to you or your unborn child. You should always eat a healthy well-balanced diet to help you stay in good shape. Avoid activities that could make it easy for you to fall such as ones that shift your center of gravity quickly. If you have ever wanted to give some yoga techniques a try now would be a good time for you to do this. They can teach you how to relax, which will be good for you mentally as well as physically.

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Real estate has always leaned itself towards the world of investment. For many years the real estate market showed remarkable stability and growth, making it the preferred investment for many smart investors across the country. Over the past decade the real estate industry has seen the development of more properties then ever before and subsequently the development of more millionaires then ever before. All it takes to see the results of this trend is a few minutes of TV. Chances are if you watch for a few minutes you will be confronted with at least one show on home flipping and at least one guy trying to sell his get rich quick real estate program. The reality is that those programs aren’t really necessary, all investing takes is some education, common sense and timing.

Making the most from your real estate investment involves careful planning and an understanding of the market that you are dealing with, be it sales or long-term rentals. Each area of investment has their own particular concerns that should be taken into account before the initial investment is made. Starting with home flipping, first let’s realize that renovating and flipping a home is not as easy as they make it look on those TV shows. usually they are showing you the best case scenarios, crammed into a one hour minus commercials space. Flipping a home and renovating before sale takes a good amount of venture capital to pay for the renovations and to pay the mortgage while the home is listed. There are a lot of up front costs that need to be addressed and recognized before any project starts. Make sure that you have a good fix on what this project will cost and be sure to have a slush fund set aside in case things go over budget (as they so often do). You will also have to time the renovations in order to have the home listed at the right time. Different areas may have different “hot” periods, make sure you know when these are!

Buying a home as a rental property allows a bit more time to get things underway as the home does not to be sold as soon as possible. This will allow more time to get the home ready for tenants if the need is there. When preparing a home for rental it is essential to get everything in perfect working order. This protects you as a landlord in case the tenants break anything. Also, the nicer the place and the better condition it is in; the higher the rent you will be able to collect. Try to find a property that is in an area where there is a high demand for rentals and that offers good access to basic amenities. Location is important to renters as it is to home owners, so homes that are close to business districts and schools are popular. Finally, take time and interview your potential tenants. Don’t hesitate to ask for and check references. This property represents a source of income and you cannot afford to have tenants whose ability to pay the rent on time is questionable.

With over 19 years of experience in real estate Gretchen Koitz has proven herself to be one of the top agents in Washington D.C. real estate. For professional and intelligent service in Maryland real estate contact the Koitz Team today or visit us online at http://www.koitzteam.com

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