Real Estate Marketing Strategies: 7 Tips to Thrive in Today's Market

In today's changing market, many real estate agents are wondering what to do. Some have gone through a cycle of shock, disappointment, fear, and now confusion. What seemed to work in yesterday's marketplace isn't working today, so what to do?

The truth is that there are many opportunities in today's market for success. This article will give you 7 tips to thrive in today' market.

Tip 1: Listen to the media with discernment

As you know, the media likes to paint a negative spin on everything to get more sales. There's a saying, if it bleeds, it reads. Lately you've been hearing a lot of scare tactics from the media. When you're buying into the ideas that are presented, notice how you feel. Do you feel motivated and raring to go?

No, you probably feel demoralized, unmotivated, and downright scared. Guess what? As you feel these feelings, you are radiating energy to prospective clients that stop them from wanting to move forward. Whatever you give out comes back to you multiplied.

That might explain why your phone isn't ringing.

Tip 2: Look at the facts

The economic forecast is actually quite different than what the media is spinning. Here's what you need to know to get you motivated, and in action:

?interest rates are still at an all-time low

?we've gone through the worst of the dip

?indications are that prices will start to rise

In other words, the worst part is over, and you can start to sell houses again.

Tip 3: Put up boundaries on negativity in your environment

You probably know what environment I'm talking about. I'm talking about being around other real estate agents.

Many of the clients that I'm currently coaching are busy creating a positive mindset. How do they do it?

They tell me, I don't hang out with real estate agents who are negative. I would rather write in my own car than hear the negative buzz.

Well done, I say. Don't let anyone rain on your parade.

Tip 4: Monitor your own self talk

No one knows how to create negative chatter in your mind, more than you do. With the flip of a switch, you can turn off negative self talk and give yourself positive and encouraging self talk.

Here's how you can spot negative self talk. It will sound something like:

?I don't know if I can succeed in today's market

?I don't know if there's enough business to go around

?maybe it's time for me to get a real job

After working with real estate agents for the past 10 years to help them to double and triple the incomes, I have found an easy technique to intervene and create a positive mindset.

The next time you notice any negative self talk, just say STOP! Then take a breath and put in some positive new thoughts. Here are some examples of positive thoughts I have helped my clients create:

?I have what it takes to succeed in any market

?there's more than enough to go around

?the bottom line is - no matter what, people will always need to buy and sell houses

?I do work I love and I'm richly rewarded

What does this do? This creates a positive, affirming mindset so that instead of asking the question, can I do this? you ask, how can I do this?

Tip 5: Find and educate buyers

With an abundance of homes that need to be sold, and interest rates still low, what a wonderful time for buyers to get a great deal.

Your job is to find them, and educate them on this rare opportunity. Use all your prospecting methods, but direct yourself to reaching the buyers. When you do reach them (or they reach you), only give energy to the ones who are highly motivated and have to move. Be sure to have a buyer's agreement with you, so you'll be compensated for your hard work.

Tip 6: Be clear on what makes you unique

As you begin to market yourself to buyers, be sure to present reasons to them as to why they should work with you instead of another real estate agent.

When I present this idea to my clients, they often go blank. Does this ever happen to you? If so, then with the help of a mentor or a coach, have someone help you discover your strengths.

For example, one of my clients did not realize how much she had going for her. She was a great negotiator, very attentive to details and at the same time was very personable. She would bend over backwards to be sure that her clients felt comfortable. When she realized her uniqueness, her business grew, as she realized how much she had to give.

Tip 7: Use the Law of Attraction to attract your ideal clients

The best way for your business to grow and your income to triple is to be attracting your ideal clients. Your ideal clients will be pleasurable to work with, they will appreciate your service and will demonstrate that to you with a full commission, and they will refer people to you.

The Law of Attraction would say: visualize clients you want to work with, see yourself working with them now, and feel what it feels like to have an abundance of ideal clients. If it gives you joy to serve them, then radiate that joy and watch how it magnetizes those ideal clients to you. This is the difference between having work you tolerate and work that you love.

Follow these tips, and you'll be thriving in any market.

With her 30 years of psychological expertise, Dr. Maya Bailey specializes in helping Real Estate Professionals who want more clients, more free time, and a better lifestyle to create confidence, a positive mindset, and a step-by-step blueprint for success.

For specific ways to ?master your psychology? about getting clients and growing your business, and your personalized step-by-step success blueprint, visit http://www.90DaysToMoreClients.com to receive your FREE special report and ?audio mentoring session?: 7 Simple Strategies To More Clients In 90 Days. To contact Dr. Maya Bailey, call 707-799-5412 or visit http://www.90DaysToMoreClients.com

Furnished Apartments in Atlanta

Atlanta, comprised of numerous distinct neighborhoods, cities, and counties, has a good choice of furnished apartments - garden-style apartments, lofts, town homes, studios, and many others. Center city apartments and more suburban apartments come with features such as ample parking and swimming pools.

Furnished apartments are ideal for corporate housing and extended-stay rentals. These are available in any size, and equipped with kitchens, fully furnished bedrooms, air conditioning, fireplaces, dining and living rooms with or without bathrooms, hardwood floors, backyards, and parking areas. Some apartments in Atlanta are particularly designed to cater to the needs of short-term contractors or European business personnel. Almost all private apartments are located close to Atlanta's business areas, shopping malls, and restaurants.

Extended stay apartments are available on monthly invoice payments and are perfect for business travelers, those on temporary assignments, consultants, and visiting family and friends. Furnished short-term apartments feature the most comprehensive short-term and temporary housing facilities. These are available in all price ranges and sizes, and on one-month to twelve-month leases. Furnished apartments are popularly marketed to businesses like movie studios and film production companies that frequently employ visiting, temporary workers.

The town home in Atlanta is one of the popular styles of apartment buildings. Town homes are generally built on more than one level with living areas on the first and/or second levels, and bedrooms on the levels above living areas. Town homes are perfect for those who are willing to live on multiple levels and are able to maneuver stairs.

The rapid growth of this metropolitan area and its economic development have both contributed to the increase in the number of new apartments. Although Atlanta is one of the world-famous industrial centers, Atlanta apartments are affordable and the average monthly rent is below the national average. If you are looking for a living space, Atlanta has a number of well-established property management companies offering furnished apartments. They assist you with computerized apartment searching and apartment rental services to search for a fully furnished apartment, whether it is traditional or modern, according to your taste.

Atlanta Apartments provides detailed information on Atlanta Apartments, Loft Atlanta Apartments, Atlanta Apartment Rentals, Cheap Atlanta Apartments and more. Atlanta Apartments is affiliated with Apartments for Rent in Chicago.

Do You Understand Real Estate Loan Formulas?

What the real estate loan formula really involves?

All loans are based on a mathematical formula that determines how much you are going to pay. There are five crucial loan variables including: term, interest rate, principal, final value and payment. These are also the five most important terms you need to know before you apply for any loan.

All of them are interconnected and changing any one of them is likely to change the others, though oftentimes not quite as you would predict. There are some rules of thumb about that, but better not rely on them too much. Before you even start thinking about any specific real estate loan you should spend some time learning the variables with a financial calculator.

Term: it is the period used to calculate the loan payment, often the same as the maturity, ie. the time when the last installment is due. Keep in mind though, that in cases the loan maturity is much shorter than the loans term (for example: balloon mortgages). The standard term for a real estate mortgage is 30 years, though in case of amortized loans you can choose a period from 10 to 40 years. Generally the longer the term, the lower the monthly installment, though the change is much smaller than you might expect.

Interest rate: is the amount of money charged by the loan creditor for lending you the money. It is usually a percentage of the sum you borrow. The rate is charged every payment term, but it is customarily quoted on an annual basis. A 6% interest rate is customarily, 12 multiplied by 0.5% (in case of monthly payments). The lower interest rate, the less you have to pay. The effect is greater in case of long-term loans.

Principal: this term can mean either (1) the portion of the installment that is used to reduce the balance or (2) the total amount of money being financed. Generally, the principal (1) should be higher than the interest rate, otherwise you will suffer from negative amortization (your debt will grow even though you pay the installment). The higher the principal (1) is the less is the final value.

Final value: this is the total sum you pay for the loan (all installments plus all additional fees). The final value at the end of the mortgage should usually be zero, meaning that the debt has been paid in full. Keep in mind that the lower final value you want to get, the higher installments you will have to pay.

Payment: your monthly (rarely quarterly) amount due. This important variable determines whether you can ultimately afford a loan or not.

A word of warning: while it is relatively easy to run the formula on a financial calculator, it is very difficult to do that on paper, even if you were good at Math in the college. An online financial calculator is much faster and doesn't make mistakes.

Remember, when you choose a real estate loan for yourself, you have to know all five variables ? only then will you be able to determine what you can actually purchase. Oftentimes it is actually better to go for higher monthly payment if it means lower final value. On the other hand, you might want to stretch your loan (longer term and higher final value) to get more money for a low installment... The number of possibilities are immense, but you have to know what they really are if you are going to profit from them.

Good luck with your real estate ventures.

J. Kane is a Webmaster and publisher for 1st-Real-Estate.com. For more information on real estate financing, visit http://www.1st-real-estate.com/financing.htm

Information About Alicante Car Rentals

Sell Your Home For A High Price In Any Market

The normalization of the real estate market has brought with it the problems inherent within that market. The abnormal market that we have been experiencing over the last five years practically eliminated one of the most obvious ones, namely Foreclosures. As more and more attention is paid to the increasing number of foreclosures and the larger standing inventory of unsold homes, it becomes more difficult to sell a home for top dollar. The expertise of a professional Realtor becomes more valuable in today?s more ?normal? market. Where previously all it took (in the last few years) was a for sale sign on the yard and a few small ads, that no longer suffices. It is now increasingly important to tap into the knowledge of an experienced professional, and fortunately, there are a good number of them.

One of the most important things you can do as a home-seller seeking to get the highest or best price is to look for the best Realtor to assist you in the process. In today?s real estate industry, you will find many newly licensed agents who have not experienced the ?normal? market that we have entered. The marketing and analysis of home values are much more complex than just a sign in the yard and a property profile. Experience counts big!! One easy way to look at how much experience an agent has is to look on the Department of Real Estates website where you can see when an agent obtained their license, or to see if they are even licensed. That website is http://www.dre.ca.gov Click on the licensees link and then look up the agent?s by name.

http://www.nefcortez.com

Nef Cortez has been dealing in real estate and foreclosures for over 29 years. For free foreclosure lists please visit Chino Hills California Real Estate

Ultralight Backpacking

Want Safer, More Comfortable Backpacking?

Contrary to what many think, ultralight backpacking is not just about the freedom to hike more miles or to take your whole pack up the mountain with you. It is also about comfort and safety. Backpackers with heavy loads work too hard and threaten their joints too much. Challenges may add to the experience, but why suffer more than is necessary?

The Disadvantages Of Traditional Backpacking

Lack Of Freedom

You can't easily take a side trip up that hill, just to see what is there. If you do it without your pack, you have to go back the same way to get your pack.

It's A Hassle

Putting on and taking off your heavy pack quickly becomes a chore. You start leaving it on even during rest stops, just so you don't have to deal with it.

It's Tiring

Backpacking is clearly more tiring with a heavy pack, and you probably won't enjoy yourself as much when you are tired.

More Injuries

Sprained ankles, blistered feet, sore muscles, and back and knee problems are just some of the common consequences of too much weight on your back.

Slowness

More weight equals slower progress, which means less access to wild places (you can't go as far on your four-day trip), or it means less time to for enjoyable activities, like a swim in a mountain lake, or a relaxing evening in camp.

More Dangerous

More injuries, and the inability to move quickly when a storm is coming or an emergency requires you to get to a road, means that backpacking can actually be more dangerous with a heavy load. Add to that the possibility of bad decisions due to tiredness.

The Ultralight Backpacking Alternative

Done the right way, ultralight backpacking gives you more freedom, more comfort, more safety, more enjoyment and less suffering than traditional backpacking. It allows you to move faster, but notice that I say allows. It doesn't require it. It just gives you the option. That's more freedom.

I have yet to meet or hear about a person who has tried lightweight backpacking for a while, and then gone back to a heavy load. I'm not saying it is for everyone. Bad ankles may require heavy hiking boots, and bad habits may require a big pack to satisfy them. But even a backpacker who needs a pillow and big rectangular sleeping bag, can find these in lighter forms.

You just can't understand the sense of liberation felt by a convert to ultralight backpacking, until you try it yourself. When I, with my eleven-pound pack, walk past overloaded backpackers struggling up steep trails, I remembered being in their place, and I know I am enjoying myself more now.

Misconceptions About Ultralight Backpacking

Lighweight Backpacking Means Sacrifice

Not so. Bring your favorite camera! A lighter load means you can stop to use it more easily. If you leave behind the things you don't need, and bring a lighter backpack, tent, and sleeping bag, you can more easily bring that telephoto lense or whatever is really important to you.

Lighweight Backpacking Is Less Safe

The opposite! Bring all the safety items; a sleeping bag, first aid kit, shelter, water purification, etc. Just bring lighter versions. A light load makes you less likely to lose your balance and fall, or to otherwise injure yourself. It also means faster response to iffy situations.

A note about safety:

It is lagely a matter of knowledge and experience. A trained survivalist will always be safer backpacking with no shelter than a neophyte with the best tent. Learn a little about how to use you equipment properly, or to read the sky for comimg storms, and you can go lighter and safer.

Lightweight Backpacking Is Less Comfortable

Is it less comfortable to have 18 pounds on your back than 50? Is it less comfortable to have an ultralight sleeping bag if it keeps you just as warm? I stopped getting blisters (totally) when I started using running shoes instead of hiking boots. Cut the weight on your back by twenty-five pounds, and you can add back a heavier coat, if that is what you need to be comfortable.

Lightweight Backpacking Is Expensive

Ultralight sleeping bags are expensive. Almost everything else needed for ultralight backpacking can be found for the same price or cheaper than traditional gear. There are many sub-three-pound backpacks under a hundred dollars, for example.

Bottom Line:

Try it. The first time you are fifteen miles into the day, and you realize that you can easily run up that hill-just to see what is there, you'll know you made the right decision.

About The Author

Steve Gillman is a long-time backpacker, and advocate ultralight backpacking. His advice and stories can be found at http://www.The-Ultralight-Site.com.

Travel accessories

Simple Yet Strong? Yes It Happens with Logos!

We all know that a good first impression has a long lasting impact. Human beings have the inherent nature of building up their perceptions on the basis of visual stimuli. This particular aspect of human nature is applicable in all walks of life. Be it dressing up smart for an interview/ presentation, wrapping a gift in an elegant paper or even a good handshake with a pleasing smile while meeting a person?the ways we adopt to impress is beyond the scope of compilation. We all strive to make that good first impression to make things work in our favor. It is often believed that a good first impression is all about being flamboyant and colorful. This notion is not necessarily true coz strong messages if communicated in a simpler way can serve the purpose in the best possible manner. A simple logo design that conveys a strong message can lead to the creation of a magical brand.

A logo is an image that represents a company to the outer world. It may not essentially communicate about the business domain of a company but should ideally generate a certain sense of being positive and trustworthy. Think of the swoosh symbol of the ?Nike? logo. Nike is a well-known brand dealing in sports shoes and clothing. The swoosh symbol hardly has anything to do with its product line, but it generates an even stronger and positive message. It all depends on how we perceive this logo. Some may see it as a ?tick? indicating it as a choice (among the rest) while some others may interpret it as a rising curve that depicts the success of the brand and there could be some having a different interpretation altogether. The Nike logo is a classic example for the importance of having the element of simplicity in a logo. The use of a swoosh can be found in the form an arc, a partial ellipse or an orbit in the logos of well known corporate entities like Samsung, Infineon, Whirlpool and many others.

The primary reason of such success and wide usage of a swoosh is mainly due to its simplicity, timelessness and the flexibility of reproducing it in various shapes and formats, without compromising on the overall quality of the image. This brings us to yet another aspect of a logo that needs to be complied with while designing it. Logos with heavy graphics are not only complex to interpret but also looses the flexibility of it being reproduced in various shapes and sizes. Apart from that, heavy graphics also inflates the cost of reproducing it in various formats. Top brands like Coca-cola, Microsoft, Intel, IBM, General Electric and many others have simple yet professional logo designs.

Simplicity is the key to a good business logo design. A good first impression is not all about flamboyancy and complexity. In a similar way a good logo need not be flamboyant and complex. A good logo design is an outcome of proper analysis and superlative designing skills that can only be rendered by a professional logo design firms. This small initial investment is sure to yield high returns in the times ahead.

Alfred Anderson has rich experience in the field of online brand marketing. His interests includes Internet marketing and research on emerging online business trends. Company logo design

Penis traction devices: how they work

<h1>Penis raction devices: how they work</h1>

The <u>traction device</u> category of penis enlargement has been the focus of more and more publicity recently, leading some
to wonder if this is a new, untested idea. The truth is, the traction technique has its roots in ancient tribal customs, cultural
and spiritual practices and even modern-day medical methods for rebuilding tissue in surgical patients. The idea has been around
for centuries. What's new is the availability of safe, effective, medically developed devices for home use -- and now the idea
behind them is well-tested and documented, with a long history of dramatic results.

Most people are familiar with some of the more extreme examples of traction, such as the use by African tribal peoples and
Amazonian indigenous tribes of lip disks, ear disks or neck rings to stretch these body parts to almost unbelievable size or
length. Think National Geographic or the Discovery channel: you've surely seen photos of the amazing enlargement capability of
the human body. Many native people have used traction to increase the size of the penis, too: the Sadhus holy men of India,
Peruvian Cholomecs and Papua Indians of New Guinea who ritually employ penis stretching to lengths of up to 22 inches! There
are numerous other cultural examples of this type of penis elongation.

Today, traction is the medical term for carefully calibrated, continuous pressure applied to help with healing after
surgery, injury, trauma or burns. Simply put, it means stressing tissues by stretching, and then allowing the body to rebuild
itself naturally. Examples are mastectomy patients, who require expansion of the skin and muscle in the chest prior to
reconstructive surgery; penis enlargement surgery patients, who employ traction to help heal, strengthen and straighten the
penis; and burn patients, who can create their own skin grafts by means of traction which stretches or enlarges an area of
tissue prior to transplant.

The stretching opens up spaces between cells, and triggers a growth or healing response in the body, in which adjacent cells
begin to divide and fill in the space. With continued use, the growth can number in the millions of new cells, significantly
adding size and tissue to the area.

That, essentially, is the idea behind traction devices for penis enlargement. In one popular and well-documented device --
designed by a urologist and created by a medical company in Denmark -- traction is applied by means of adjustable, calibrated
bars between an anatomically curved base that fits comfortably at the root of the penis, and a surgical-grade band that slips of
the glans (head) of the penis. As the penis lengthens, the traction and distance can be adjusted. This device is meant to be
discreetly worn under the clothes and/or during sleep. Marketed under the name ProExtender?, the device can be obtained from
your medical practitioner or online at www.proextender.com.

Penis enlargement traction devices do work. Medical studies and many medical applications of the traction device show that
real, permanent growth can occur in both length and girth, measurable in inches. These devices are far from being a quick
fix, however; the device must be used properly (full instructions should accompany any device you're considering purchasing) and
over a period of time to give the body ample opportunity to grow and build new tissue. Advertisements that tout instant gains
or miracle overnight growth are unrealistic and unreliable, and very likely, unsafe.

Obviously, men who are interested in gaining penis size should also be mindful of their overall health and safety. The choice
of a medically developed device is highly recommended, and strict adherence to instructions is a must. Any questions or concerns
should be directed to your medical practitioner. Ultimately, the success of the traction device depends on the user's
conscientious and dedicated use of the program as directed. With the proper commitment, genuine penis enlargement can be yours.
If you are having difficulties finding the right product, we stand behind ProExtender? for quality, effectiveness, and customer
service.

About the Author

For complete Penis Pill Reviews
see our site: http://www.mrpenisenlargement.com.

Everything You Need To Know About Buying The Perfect Backpacking Tent

Whether alone or with friends, backpacking can be a fun and adventurous way to spend a weekend. It gives you a chance to escape the madness of the city, explore a natural surrounding and get some great exercise to boot.

One should never go unprepared, however. Take it from me, not having the right gear or equipment can make a backpacking trip go from an exciting weekend to a frightening two day disaster with no end in sight. There's nothing worse than being stuck on a mountain in a sudden and unexpected rainstorm, without the right water resistant protection. One of the most very important items a backpacker should bring to avoid such a watery suffering is a good backpacking tent.

Though important, backpacking tents are a tricky commodity it can be difficult to pin down exactly the kind you should get. If you are planning on going backing soon and are in the market for a tent, here are some simple tips that may give you a place to start.

First of all, the kind of environment you plan to be mountain climbing through is important to keep in mind as you choose your tent. Even if it is suspect to rain, it is a good idea to purchase a tent that is completely water resistant and closed on all sides.

Even though a 'lean to' or cover like tent with open sides is an well organized and simple form of shelter, these kinds of tents can only protect from the mildest of weather conditions. Additionally, most wilderness areas popular for backpackings are safe places for insects, such as mosquitoes, and an open tent will offer no protection against these pests.

Secondly, you should consider the length of your trip when looking for a backpacking tent. Also, what kind of land are you going to pass through? Are you going for a rough and nearly vertical thirty mile plus climb, or a pleasant and easy five mile trip through the woods? If the latter is the case, weight is not an issue and you can purchase as large a tent as you please. The larger the better; you can house all your equipment inside to avoid damage from morning dew or from night animals with a sufficiently large tent. If you are taking a more arduous journey, you'll want the lightest possible tent you can get that offers adequate protection.

Lastly, choose a good brand name. Ask for advice at the store you visit, or if you are ordering one online, choose a name that you are familiar with. Backpacking tents are important, and not an area to hold back on on financially speaking. If you are pressed for cash, bring cheaper food items. I'd rather eat freeze dried sauce while warm and dry in a nice, functional tent, than eat bone mignon while soaking wet in a heap of junk that fell apart as soon as it started really pouring.

Personally I prefer to sleep under the stars while backpacking, if the weather permits. A good insect disgusting can reduce the mosquito problem and there is something refreshing about waking up covered in dew. However, it only took one bad and very wet experience for me to learn that you should always bring a tent on a backpacking trip, whether or not you plan to use it.

Tavis J. Cooper provides readers with up-to-date commentaries, articles, and reviews for travel, leisure and other related issues.

Medication and Older Adults

You are a partner in your health care. This is a partnership between you, your doctor, and your pharmacist. You need to be assertive and knowledgeable about the medications you take.

The Food and Drug Administration is also working to make drugs safer for older adults, who consume a large share of the nation's medications. Adults over age 65 buy 30 percent of all prescription drugs and 40 percent of all over-the-counter drugs.

Almost every drug that comes through FDA [for approval has been examined for effects in the elderly, says Robert Temple, M.D., associate director for medical policy in FDA's Office of Drug Evaluation and Research. If the manufacturer hasn't done a study in the elderly, we ask for it.

More than 15 years ago, the agency established guidelines for drug manufacturers to include more elderly patients in their studies of new drugs. Upper age limits for drugs were eliminated, and even patients who had other health problems were given the green light to participate if they were able. Also, drugs known to pass primarily through the liver and kidneys must be studied in patients with malfunctions of those organs. This has a direct benefit for older adults, who are more likely to have these conditions.

In several surveys, FDA discovered that drug manufacturers had been using older adults in their drug studies; however, they weren't examining that age group for different reactions to the drugs. Now, they do. Today, every new prescription drug has a section in the labeling about its use in the elderly.

Says Temple, The FDA has done quite a bit and worked fully with academia and industry to change drug testing so that it does analyze the data from elderly patients. We're quite serious about wanting these analyses.

When More Isn't Necessarily Better

Of all the problems older adults face in taking medication, drug interactions are probably the most dangerous. When two or more drugs are mixed in the body, they may interact with each other and produce uncomfortable or even dangerous side effects. This is especially a problem for older adults because they are much more likely to take more than one drug. Two-thirds of adults over age 65 use one or more drugs each day, and a quarter of them take three drugs each day.

Not all drug combinations are bad. High blood pressure is often treated with several different drugs in low doses. Unless supervised by a doctor, however, taking a mixture of drugs can be dangerous.

For example, a person who takes a blood-thinning medication for high blood pressure should not combine that with aspirin, which will thin the blood even more. And antacids can interfere with certain drugs for Parkinson's disease, high blood pressure, and heart disease. Before prescribing any new drug to an older patient, a doctor should be aware of all the other drugs the patient may be taking.

Too often, older people get more drugs without a reassessment of their previous medications, says Feinberg. That can be disastrous.

There is also evidence that older adults tend to be more sensitive to drugs than younger adults are, due to their generally slower metabolisms and organ functions. As people age, they lose muscle tissue and gain fat tissue, and their digestive systems, liver, and kidney functions slow down. All this affects how a drug will be absorbed into the bloodstream, react in the organs, and how quickly it will be eliminated. The old adage Start low and go slow applies especially to the elderly.

Older adults who experience dizziness, constipation, upset stomach, sleep changes, diarrhea, incontinence, blurred vision, mood changes, or a rash after taking a drug should call their doctors. The following suggestions may also help:

* Don't take a drug unless absolutely necessary. Try a change in diet or exercise instead. Ask your doctor if there's anything else you can do besides drug therapy for the condition.

* Tell your doctor about all the drugs you take. If you have several doctors, make sure they all know what the others are prescribing, and ask one doctor (such as an internist or general practitioner) to coordinate your drugs.

* Ask for drugs that treat more than one condition. Blood pressure medicine might also be good for heart disease, for example.

* Keep track of side effects. New symptoms may not be from old age but from the drug you're taking. Try another medication if possible until you find one that works for you.

* Learn about your drugs. Find out as much as you can by asking questions and reading the package inserts. Both your doctor and pharmacist should alert you to possible interactions between drugs, how to take any drug properly, and whether there's a less expensive generic drug available.

* Have your doctor review your drugs. If you take a number of drugs, take them all with you on a doctor's visit.

* Ask the doctor, When can I stop taking this drug? and, How do we know this drug is still working?

* Watch your diet. Some drugs are better absorbed with certain foods, and some drugs shouldn't be taken with certain foods. Ask a pharmacist what foods to take with each drug.

* Follow directions. Read the label every time you take the medication to prevent mistakes, and be sure you understand the timing and dosage prescribed.

* Don't forget. Use a memory aid to help you--a calendar, pill box, or your own system. Whatever works for you is best.

Medicine and Special Needs

Arthritis, poor eyesight, and memory lapses can make it difficult for some older adults to take their medications correctly. Studies have shown that between 40 and 75 percent of older adults don't take their medications at the right time or in the right amount. About a quarter of all nursing home admissions are due at least in part to the inability to take medication correctly.

A number of strategies can make taking medication easier. Patients with arthritis can ask the pharmacist for an oversized, easy-to-open bottle. For easier reading, ask for large-type labels. If those are not available, use a magnifying glass and read the label under bright light.

Invent a system to remember medication. Even younger adults have trouble remembering several medications two or three times a day, with and without food. Devise a plan that fits your daily schedule. Some people use meals or bedtime as cues for remembering drugs. Others use charts, calendars, and special weekly pill boxes.

Mary Sloane, 78, keeps track of five medications a day by sorting her pills each evening into separate dishes. One is for morning pills, the other for the next evening. Then she turns each medicine bottle upside down after taking the pill so she can tell at a glance if she has taken it that day.

You have to have a system, Sloane says. Because just as soon as I get started taking my pills, the phone rings, and when I come back to it, I think, 'Now have I taken that?'

Drug-taking routines should take into account whether the pill works best on an empty or full stomach and whether the doses are spaced properly. To simplify drug-taking, always ask for the easiest dosing schedule possible--just once or twice a day, for example.

Serious memory impairments require assistance from family members or professionals. Adult day-care, supervised living facilities, and home health nurses can provide assistance with drugs.

Active Lives

Not all older adults are in danger of drug interactions and adverse effects. In fact, as more and more people live active lives well into their 80s or beyond, many take few medications at all. Among healthy older adults, medications may have the same physical effects as they do in younger adults. It is primarily when disease interferes that the problems begin.

To guard against potential problems with drugs, however, older adults must be knowledgeable about what they take and how it makes them feel. And they should not hesitate to talk to their doctors or pharmacists about questions and problems they have with a medication.

Says the University of Maryland's Feinberg: We need to have educated patients to tell us how the drugs are working.

Rebecca D. Williams is a writer in Oak Ridge, Tenn.

Cutting Costs

The cost of medications is a serious concern for older adults, most of whom must pay for drugs out of pocket. Even those who have insurance to supplement Medicare must often pay a percentage of the cost of their medicines.

For a new prescription, don't buy a whole bottle but ask for just a few pills. You may have side effects to the medication and have to switch. If you buy just a few, you won't be stuck with a costly bottle of medicine you can't take.

For ongoing conditions, medications are often less expensive in quantities of 100. Only buy large quantities of drugs if you know your body tolerates them well. But be sure you can use all of the medication before it passes its expiration date.

Call around for the lowest price. Pharmacy prices can vary greatly. If you find a drug cheaper elsewhere, ask your regular pharmacist if he or she can match the price.

Other ways to make your prescription dollars go further include:

* Ask for a senior citizens discount.

* Ask for a generic equivalent.

* Get drug samples free. Pharmaceutical companies often give samples of drugs to physicians. Tell your doctor you'd be happy to have them. This is especially convenient for trying out a new prescription.

* Buy store-brand or discount brand over-the-counter products. Ask the pharmacist for recommendations.

* Call your local chapter of the American Association for Retired Persons (AARP) and your local disease-related organizations (for diabetes, arthritis, etc.) They may have drugs available at discount prices.

* Try mail order. Mail-order pharmacies can provide bulk medications at discount prices. Use this service only for long-term drug therapy because it takes a few weeks to be delivered. Compare prices before ordering anything.

For the complete article click on Medication and Older Adults.
About the Author

M. Sanders is a long term care insurance marketing specialist. She is appointed throughout the United States as a long term care insurance representative with several major insurance carriers. Her website, About Long Term Care and LTC Insurance, contains information and articles pertaining to long term care, insurance and other related senior topics. It is her goal to inform the public about these

Tips To Look Sexy Valentines Day

Would you like to look leaner, shapelier on Valentine's day?

You could cheat to get that leaner, shapelier look for valentines day. Dressing right for your coloring and your figure type and straightening your posture visually takes at least ten pounds off your frame.

The fastest way to look slimmer is to stand up straight and to sit up straight. Imagine a string attached to your head, pulling you up. Make a conscious effort to pull your belly button into your spine. That alone would make you look 5 pounds slimmer.

Ever wondered how the stars look so stunning at the awards. Yes, they have the money to pay people make them look good. Top designers clamour to put these stars in their most beautiful creations. Still, they have to take care of their figures. Most have a personal trainer. Some of the women might hardly eat or drink anything the day they have to look their best in skin tight dresses. Notice how the tummy bulges after a heavy meal. How you seem to bloat up due to water retention if you take too much salt. Some go so far as to starve themselves and drink the bare minimum to keep their tummies flat and the bloat away. Sounds drastic to me. Something I doubt I'd want to try. Still, for an emergency, it is a possibility.

The next slimming cheat is by wearing something that holds in and cinches your waist. Problem with control top panties is that all the blubber would bulge right above the waist-line. Not an appealing sight. Since the fat would be forced to bulge where the underwear ends, go for a teddy. Think they fit only the stick thin models? These plus size teddys fit big women too and take pounds off your waist, visibly, and give you a sleeker silhouette. Pick one that covers your waist completely so that the excess bulges at your bustline, for that hourglass effect.

Speaking of the hourglass effect, there's something about the male fixation on breasts that women have exploited for centuries. Even stick thin models have unnaturally large breasts, due to surgery, stuffing wads of tissue paper into the bra, using padded bras or other means. Women do it because of the effect large breasts on a thin body have on the typical red blooded male. Want to look sexy? Wear a push up bra. It does wonders for your figure. If you have to go bra-less. Consider getting duct tape to tape your breasts together for a better cleavage.

If you're concerned that faking it would turn him off when he finally sees what you've really got, consider using herbs to improve your bustline. There's a herb from Thailand that does just that. You'll find the details about this breast enhancement herb at http://www.shoppingsuzy.com/biggerbreastswithoutsurgery.htm

With your foundation in place, the rest of your look should be a breeze. If you want to look slimmer, go for darker colors. Black or dark plum or dark brown are slimming colors. Dark colors recede. Use dark colors around your waist and wherever else you wish to slim down. Use light colors or shimmering fabrics where you want to highlight. Pick colors that suit you. Not everyone looks great in black. Maybe plum suits you better? Maybe burnt orange? Wear the colors that suit you best.

From now until Valentines day, you can still trim down in time for that big day. With a smart diet and a great exercise plan, you can see lasting results in seven days. Imagine the results you can get if you keep at your workout program. You'll find the details at http://www.getyouthful.com/billyexercise.html

Here's to a sexy valentines day.
About the Author

You'll find more weight loss tips at http://www.cheapestsale.com/health/weight-loss.html

Developing Your Strategy in a Changing Real Estate Market

Just about every area in the United States has experienced what most would consider a down market. As a real estate professional, it is important to evaluate your business on an on-going basis, specifically, when the market begins to slow down. In the Northeast, we are beginning to see signs of what we would consider a buyer's market. This is unusual for the area, which is an adjustment for sellers, and quite frankly, some of the newer real estate agents that have not been accustomed to taking a consultative approach with their business. There are a few key elements to developing and continuing a steady stream of clients.

Client relationships-Quality real estate agents consistently discover that their business is closely tied to the relationships they have built over many years. Building and nurturing those client relationship results in trusting relationships and referral business. Focusing on client service, with a long-term view of those client relationships, creates value.

Clear, written plan-Successful agents develop a detailed business plan including how many closings they are targeting for the year, the activities tied to reaching their closing goal, and the amount of personal promotion money that they will allocate to build their business. These goals should be visible to the agent, and not just developed at the end of the year (for the next year) and stuffed into a file. Having a focus on your goals on a daily, monthly, quarterly basis will increase your odds of consistent, viable business.

Market Knowledge-As the market begins to turn, it's not only important to have the statistics for your buyers and sellers, but also have the in-depth understanding of the impact. Being able to articulate the changes in each neighborhood, price range, and overall market will add to your credibility as a sales professional.

Communication with your clients-Changing markets do strange things to both buyers and sellers. Anxiety is created with change. The most effective way to help your clients through the change is keeping them apprised of all of the news, whether good or bad. Clear, consistent, and thorough communication also develops long-term client relationships.

Melissa Riley is an Office Leader with Prudential Connecticut Realty. She is a 24-year veteran of real estate and relocation. Visit her website at http://prudentialctcareers.com/

Fast and Direct Pick up and Seduction

The world's greatest pick up artist has always been fast and direct. The results being one to three hot babes notched on the old bed post for 38 years. Including four hotties today!

Almost no one uses the fast and direct approach. Most guys who think they are good with women are only lying to themselves. They get lucky once in a blue moon and they are now experts. Admittedly this pick up thing hits a guy right in the ego and most men will not admit they fall short in the area of the pick up and seduction. From the average frustrated chump to the pick up artist. Most men fall short.

Most pick up techniques that are being taught around the world just plain don't work.

Most of the current pick up and seduction styles being taught over complicate a really simple and natural attraction and seduction process.

You do NOT have to put on magic tricks for girls.

You do NOT have to hypnotize women.

You do NOT have to play games with women and use egs, and put women down.

You do not have to use a thousand step process to bed girls.

Gentlemen if you keep studying this garbage you will always be an average frustrated chump...

Do yourself a favor and investigate the world's first Grand Master of the Pick-up and the Grand Master of Seduction. He does one on one in the field training on a beautiful tropical island with real life beautiful women just a two hour flight from Miami.

For info contact the king, Elvis Preston King at loverboybachelor@yaho.com

About the Author

Attention Real Estate Developers What Is In Your Business Plan?

Do you need a real estate development business plan? You will if you want to obtain financing for your project. The first thing any lender or private investor will want to see is your real estate development business plan. This plan is specific for development of real estate. Your business plan will tell your story in an organized and concise manner. It will provide all of the critical information needed to judge your project. A well-written and professional looking business plan is crucial for your success in obtaining financing.

Most real estate developers make the mistake of not creating a good business plan or even getting professional assistance in developing their business plan. They will use the excuse of not having enough time or they can?t find the data. Don?t let that be your excuse! All a real estate development business plan really is, is the answers to a bunch of questions! You will learn what to include in your real estate development business plan.

Executive Summary

The Executive Summary should provide a complete overview of your project & company. This will include:

• Brief description of the overall project. For example, develop a 4 star, 250 room luxury hotel in downtown St. Louis, Missouri.
• Brief overview of the company ? Is it a corporation, LLC, etc? Who are the owners and/or board members? Brief company history & experience level.
• Brief summary of the market & demand.How large is the market and at what stage of development is the market currently in?
• Brief summary of the competition and what separates you from them?
• Brief description of key Management team members.
• Key financials - total acquisition & construction costs, nature & use of funds, future revenue & expenses.

The Executive Summary should be brief and an outline to your overall business plan. Now lets take a look at the specifics in the real estate development business plan.

The Company

This part of the business plan should give full details about how and when the company was formed. It should indicate the legal structure of the company, as well as where it is licensed. A key piece of information about the company is the company owners. Name all of the principals and their percentage of ownership.

Project Description

This section of the plan is where you explain your project in detail. Remember, you are selling your project so that you can get the funding you need! Is this a hotel development project? Is this a luxury, single-family home community project? Is this a multi-tenant shopping center? Give all the details about the project. For instance, lets continue with our hotel example. You will want to name the other amenities that will be located at the hotel, such as swimming pool, tennis courts, the number of conference rooms, etc. How many of the rooms will be suites? What other features & benefits will your project have?

You will also want to address where you currently are in the project. Has the land been purchased or optioned? Where are you in the permitting process? Has the architecture plans been drawn? How much time & capital has been spent on your project to date?

The Market

In this section you will provide the market type & size, current & potential growth rate, and relative stage of development of the area. You should also address why you chose this particular area. You should discuss any forthcoming changes in the market, government regulations, economy, and short-term & long-term trends. If you have performed any feasibility studies, you will want to include it as well as the source of the feasibility study.

The Marketing Plan

The main objective of any developer is to sell the homes, the stores or the hotel. And this can only be accomplished with a well thought out marketing plan. Who will handle your sales efforts? Will they be in-house or out-sourced? How will the pricing/leasing/room rate be determined? Will there be any brand or strategic partnerships involved? What is your marketing budget (in a table format).

The Competition

Any lender or investor in your project will want to feel comfortable that you know who your major competitors are. They will want to know that you have done a thorough competitive analysis. Name and describe all key competitors. What are their strengths & weaknesses? How will your project compare? What are your projects strengths & weaknesses?

The Management Team

In this section, you will want to go into further detail about the principals involved. You will need to highlight the team?s relevant experience and previous successful projects?

Well what if this is your first project?

Then you want to make sure that you have an excellent support team in place. These team members should have the experience that you are lacking (team members doesn?t necessarily mean company ownership). These team members can be legal, accounting, construction, architecture, etc. So for this section of the real estate development business plan, you will want to include:

• Resumes/biographies on all principals & management team members
• Organizational chart
• Board of Directors

The Financials

Since the primary objective of your business plan is to obtain financing, you will want to address what type of financing you are seeking and how much capital is needed. You will want to state how much money you have on hand (and where did you get it from) and how much money you have spent to date.

Everything that you have put into your real estate development business plan up to now should support your financial assumptions and projections. You will want to include a statement that shows a breakdown of construction and acquisition costs. You will want to include an Income statement that will outline income and expenses for the next five years after construction. It should follow GAAP (Generally Accepted Accounting Principles) and contain specific revenue & expense categories. You will want to include a Balance Sheet and Cash Flow Analysis.

Now that you know what to include in your real estate development business plan, make sure that your business plan presents itself in a professional manner.

• Use a table of contents, with numbered pages.
• Make sure that the writing style is simple and conversational.
• Don?t use long or complex sentences.
• Paragraphs should be short & simple.
• Use graphics & pictures but don?t get carried away.
• Use charts & tables to back up your data.
• State all sources of your data and studies.
• Proofread your real estate development business plan for grammatical and spelling errors.
• Have someone else proofread it for you.
• If you have the resources, hire a professional business plan writer.

Visit http://www.all-about-commercial-mortgages.com to learn more about commercial properties and commercial financing. Educate yourself before buying that commercial property!

Patti Porter is a Commercial Mortgage Broker specializing in income producing properties.

Home Organization: How to Organize a Disorganized Family Member at Home

Does your spouse keep his magazines and newspapers spread across the floors of your home? Is he constantly asking you if you've seen his keys or eyeglasses? Are you tripping over your child's toys? Is his or her disorganization driving you mad? You can stop the chaotic madness in your home. Heed this simple home organization advice to get your home or family member in order.

ASK WHY

Why do you want this family member to be more organized? Is this person's disorganization affecting you in a way that you can literally describe? For instance, perhaps you're tripping over your spouse's shoes. That's a safety hazard. Or maybe you have to drive your children to school a few days too many because they miss the school bus---because they can't find their report, clothes, lunch, etc. in a timely manner. That affects your schedule (and your gas tank!). Or maybe your husband (or wife) buys duplicate items because they forgot where they put (or that they already owned) the last one. That affects your family budget.

Those are all valid and good reasons to help a family member to be more organized around your home. And there are plenty more examples that you can add to that list. But if your reason to organize your spouse, kids, parents or even roommate is because YOU think it will help them function better in life or YOU think they'll appreciate having a more organized room (because you always do), you're just complicating your life. And home organization is about simplifying your life, not complicating it. Make sure you're helping someone to get organized at home because it helps them in some way THAT THEY WANT or because it helps you both with a shared goal that you express to them (e.g. You don't break your neck tripping over your husband's shoes in the future or you can find the shared car keys when you're ready to go to your appointment.)

NOW WHAT

In order to organize a function or task of a disorganized family member, you have to think like them. So that means you have to keep an open mind. For instance, you know your spouse or kids come in every day and automatically flip their shoes off the first moment they get. They're not doing this to annoy you. It's just them. Maybe their feet are hot! So make organization convenient for them. Put a shoe bench near the foyer. They can still immediately take their shoes off but they can put them right away there in the shoe bench. A shoe bench is cool because it's a piece of furniture that's part of your home decor. Yet you can't see the dirty shoes (You might want to throw a stick-on odor eater in the shoe compartment too.).

The same goes for items like keys, notebooks, backpacks, sunglasses, etc. Set up baskets, bins, tins, containers, etc. in convenient places where family members have a habit of laying things. It's convenient for them. Your home looks neater (and you can blend these organizational helpers into the decor). Everyone knows where these items are located when they need them because these items now have an official home (and a convenient home).

Or let's say a family member has a hobby or collection of different items they use regularly. You often find these items on the floor. You know this person well so you know they'll never replace these items neatly in closed bins and put them back on that one assigned closet shelf (like you would). That'll never work for him or her. Instead, think like that person. What that person needs is open bins or baskets (no lids) on an open vertical shelving system. That way they can see exactly what is where at a glance without dumping everything onto the floor. And they can easily (even haphazardly) throw items back into the bins. And that's because there are no lids on them---the contents are viewable at a glance--and this is an organizational system for a person who wants to use their stuff not an organized person who wants their stuff to all look pretty. See the difference.

Think like the end user to create home organizational systems for your disorganized family members. You devise or buy organizational bins, baskets and shelving systems that are pretty and neat for your home while also buying ones that are functional for the intended user of the organizational item.

THE REST OF YOUR HOME

If you have less organized family members who can't or aren't going to follow your detailed organization system, keep making it easy on them throughout your entire home. Give them something they can handle like a basket or container system. They don't have to organize and sort their toys, dirty laundry or other items. They just have to keep each set of different items in its designated container when not in use. It's up to them to dig through the stack in each container if they need something.

No alphabetizing. No categorizing the items in each container. No color coding. Just put each group of items in a different basket, bin or container. A contained stack is much neater and still more organized than having things spread around the floor or counter. If it bothers you, put a lid on it, literally. And if you still find the occasional item on the floor when you're vacuuming, just toss it in the container (don't straighten it, fold it or try to put it just so in the container---just toss it in and move on).

Try these tips with Mr. or Ms. Messy in your home and watch your home organization plan take shape quicker than you ever thought possible. And remember, you cannot transform a disorganized person into an organized person. But you can work their habits and personality into your home organization scheme with a little creative thinking and compromise (by both parties) as suggested in this home organization article.
About the Author

Karen Fritscher-Porter publishes http://www.EasyHomeOrganizing.com where you can read hundreds of free tips with home organization solutions, shop for home organization products and subscribe to two free home organization newsletters.

Running Up The Down Escalator

It is over, August, the most frustrating month of the year, with most people either on holiday or in holiday mood. Yes, the weather is glorious if you are on holiday, but not for viewing properties when you start the day in a cool air conditioned office then car, then properties, then car, then properties! If you don?t look like a wet rag you certainly feel like one. Then you have the client who continuously mentions swimming pools often dragging their disgruntle children away from one to view houses. On the other side, the owners are also in holiday mood either using their holiday homes that they wish to sell, but after August please! Or they are just not in the mood to move away from their pool to entertain visitors.

The first thoughts of owning a home in Spain are often driven by a holiday experience, so leaving the beach towels at the hotel they trundle into estate agents. Half of these clients go home and never pursue the idea other than watching ?A Place in the Sun?. The other half return later in the year, when they have the time and a better idea of what they want. So each client is not judged, but given time to explore their dream. I increase my freckles lose a few kilos and look forward to September.

On the plus side, parking is easier in Tortosa, as most of the sane locals have also left for the coast. The number of traffic wardens has diminished as they too take their holidays so I get less parking tickets. We don?t open the office in the afternoon just working through from the morning with clients until one of us drops! Oh and the town halls, notaries, and lawyers are also on half days or closed, so any business outstanding has to wait until September! Strangely, I have come to accept this practise but it is difficult to explain to outsiders, they think I am joking. In Spain there are eleven working months and August!

With pensions funds looking bleaker by the year there is a growing trend in buying property for investment. These purchases are normally village or town houses to restore over the years or to rent out until needed. The low maintenance, by not having land to worry about, plus the security factor of locking it up when not in use makes these an increasing option for people. So village houses are nearly as popular as the rustic properties with acres of land.

Most locals have always lived in villages or towns often with their separate parcel of land, which they tend with loving care to grow vegetables and fruit for the family. Of course the olive and almond trees are essential, so they go and harvest these in the autumn and winter. The small houses ?caseta? were a must to shelter both themselves and the poor beast that carried them and fruits of their labours before the car. They think it strange that foreigners want to ?live on the land? as that was never an option for them. Things change, now many of the locals are converting these once humble dwellings into holiday homes for their families to decamp for the summer. The water tank (bassa) gets a lick of paint and turns into a swimming pool for the summer, reverting back in the winter to collecting the valuable rain water for irrigation.

North Cyprus: The Last Mediterranean Property Investment Hotspot

If only I'd had the foresight to buy an investment property in Spain, the South of France, Tuscany or in Malta twenty years ago when property prices were so cheap because the desirability of the destination had yet to enjoy exposure...if only...

Many people believe that the world's most beautiful locations are the countries in and around the Mediterranean Sea - think Spain, Malta, Turkey, Egypt, Sardinia, Italy, Morocco and Tunisia. All are nations synonymous with a fantastic climate, a wonderful quality of life, excellent cuisine, friendly and laid back people...naturally enough the Mediterranean countries are the most popular with those looking for a sun drenched holiday, a beautiful place to retire to or the perfect place to buy a property that will go up in value, be easy to rent and easy to resell. But many have already missed the affordability boat.

Properties on the most popular islands in the Mediterranean Sea and in the most desirable locations start from a quarter of a million pounds and go up to tens of millions. So the average property investor, second home seeker or retiree looking for an affordable place in the sun is going to be sadly disappointed then?

That is unless they discover the secret delights of Northern Cyprus?

North Cyprus is the secret and undiscovered third of the island of Cyprus that has been left untouched, unspoiled and unsullied by the greed of the 1970s and 1980s, it has escaped the overdevelopment and mass tourism of the 1990s and it has emerged in the new Millennium as a gem in an otherwise saturated, over priced market.

Properties in Northern Cyprus start from just GBP 60,000 for a duplex apartment in a resort on a championship golf course! North Cyprus truly is the very last Mediterranean property investment hotspot and it will not remain undiscovered for long. While the government are committed to preserving the beauty and culture of the island and determined to prevent it being overdeveloped and sullied, the properties that are being built sympathetically are catching the eye of international property investors, retirees, second homers and those looking to afford to start a brand new and exciting life in the sun.

The number of visitors coming to Cyprus is increasing rapidly; large international developers are discussing many projects from seven star hotels and luxurious resorts to more golf courses, marinas and even a furthering of the higher education establishments that North Cyprus is already famous for. Demand for property for sale and rent is coming from the large student base but more importantly it is coming from retiring Europeans, young families and couples, holiday makers, those needing a second home and even corporate investors.

Northern Cyprus property will not remain so affordable for so long - firstly the demand for property for sale is outstripping current supply and builders cannot keep up with demand, secondly prices are already increasing and finance is being made available privately broadening the numbers of those who will be able to enter the market. As demand soars and supply remains steady and restricted by the government's high standards, prices are rising and are going to keep on rising...making North Cyprus's property market one of the hottest in the world.If only I'd had the foresight to buy an investment property in Spain, the South of France, Tuscany or in Malta twenty years ago when property prices were so cheap because the desirability of the destination had yet to enjoy exposure...if only...

Many people believe that the world's most beautiful locations are the countries in and around the Mediterranean Sea - think Spain, Malta, Turkey, Egypt, Sardinia, Italy, Morocco and Tunisia. All are nations synonymous with a fantastic climate, a wonderful quality of life, excellent cuisine, friendly and laid back people...naturally enough the Mediterranean countries are the most popular with those looking for a sun drenched holiday, a beautiful place to retire to or the perfect place to buy a property that will go up in value, be easy to rent and easy to resell. But many have already missed the affordability boat.

Properties on the most popular islands in the Mediterranean Sea and in the most desirable locations start from a quarter of a million pounds and go up to tens of millions. So the average property investor, second home seeker or retiree looking for an affordable place in the sun is going to be sadly disappointed then?

That is unless they discover the secret delights of Northern Cyprus?

North Cyprus is the secret and undiscovered third of the island of Cyprus that has been left untouched, unspoiled and unsullied by the greed of the 1970s and 1980s, it has escaped the overdevelopment and mass tourism of the 1990s and it has emerged in the new Millennium as a gem in an otherwise saturated, over priced market.

Properties in Northern Cyprus start from just GBP 60,000 for a duplex apartment in a resort on a championship golf course! North Cyprus truly is the very last Mediterranean property investment hotspot and it will not remain undiscovered for long. While the government are committed to preserving the beauty and culture of the island and determined to prevent it being overdeveloped and sullied, the properties that are being built sympathetically are catching the eye of international property investors, retirees, second homers and those looking to afford to start a brand new and exciting life in the sun.

The number of visitors coming to Cyprus is increasing rapidly; large international developers are discussing many projects from seven star hotels and luxurious resorts to more golf courses, marinas and even a furthering of the higher education establishments that North Cyprus is already famous for. Demand for property for sale and rent is coming from the large student base but more importantly it is coming from retiring Europeans, young families and couples, holiday makers, those needing a second home and even corporate investors.

Northern Cyprus property will not remain so affordable for so long - firstly the demand for property for sale is outstripping current supply and builders cannot keep up with demand, secondly prices are already increasing and finance is being made available privately broadening the numbers of those who will be able to enter the market. As demand soars and supply remains steady and restricted by the government's high standards, prices are rising and are going to keep on rising...making North Cyprus's property market one of the hottest in the world.

Rhiannon Williamson writes about real estate investment in emerging markets worldwide and highlights property investment hotspots. To learn more about property for sale in North Cyprus click here.

Real Estate Marketing Strategies: 3 New Listings $30000 More in Commissions

How to Magnetize Your Ideal Clients

Are You Getting the Results You Want?

If you are working long hours, feeling exhausted, and not getting the results you want, you are not alone. Having been a business coach for real estate agents for over 10 years, I often hear my clients saying things like,

?Why do I always seem to get clients that run me ragged??

?I?m tired of working with clients who aren?t really motivated.?

?Why am I attracting the wrong kind of clients??

The Problem

Are you spending valuable time and precious energy working with your less than ideal clients?

You will know by the way you feel. Do you feel drained of energy, driven to distraction, and discouraged because your efforts are not bringing you a financial return?

If you?re feeling any of those feelings in working with your clients, then most likely your clients are indecisive, unmotivated, unqualified, and unappreciative of your services. This article will tell you how to attract your ideal clients.

The Good News You have the power to attract your ideal clients ? those that you love to work with ? using a powerful tool called the Law of Attraction. Just how powerful is it?

Here is a real-life example of the power of the Law of Attraction at work:

When one of my clients, Marsha, and I first started working together, she was afraid to be assertive. She also had subconscious self-limiting beliefs that were keeping her from reaching her desired goals and income. I helped her transform her beliefs to build a strong foundation for the Law of Attraction to work. The results? Here is what she recently wrote to me:

?Since learning the Law of Attraction from you, I find it easy to set boundaries and speak up for what I need. Using the Law of Attraction principles, I am able to attract my Ideal Clients with ease. But most importantly, when we started, I had zero business. Now I am averaging five transactions a month. That?s an increase of about $30,000 a month.?

If you too want to become a magnet for what you desire, achieving financial success in an easy and relaxed manner, then read on. You?ll learn the 5 steps of the Law of Attraction and how it works, plus get tips on you can apply it.

The 5 Steps of the Law of Attraction

Step 1: Get Crystal Clear on What You DON?T Want.

The Law of Attraction teaches that like energy attracts like energy and you get what you focus on. Given that, it seems odd to focus on what you don?t want, doesn?t it? However, in my experiences of empowering others to reach their goals, I?ve discovered that this is what most people do all the time, unconsciously.

How many times have you caught yourself preoccupied with a lack of desired income, ideal clients, etc? Notice that you?re focused on the lack of something. What are you attracting? More of the same. Get clear about what you don?t want and you can deliberately stop giving it attention. What don?t you want in your real estate career? Make a list and write it down.

Step 2: Get Crystal Clear on What You DO Want.

Now that you know what you don?t want, it?s easier to get clear on what you do want. Look back at your list of ?don?t wants? and for each one, develop a strong, detailed statement of what you desire. For instance, you might write something like: I want a six-figure income, I want to work with clients who are ready, willing, and able to close quickly, and so on.

As you write, challenge your status quo. This is about attracting your big dream. Go for it. And when you?re done, cross off everything on your ?Don?t Want? list. You only needed to focus there long enough to get clear on what you do want.

Step 3: Get Into the Feeling Place of What You Want.

To attract what you desire, find a way to feel good about your ?want? rather than frustrated at the lack of having it. Writing a desire statement helps you do that. This paragraph (about 2-3 sentences) describes what you want as if it were happening right now.

To write your desire statement, get into the feeling place of what you want. How? Ask yourself what serving your ideal client looks like? Visualize holding your dream commission check in your hands. Imagine receiving your desired income easily and effortlessly.

Now write your desire statement and read it aloud. How do you feel? Elated? Grateful? Energized? That?s how you should feel, and it?s how you know you are sending out the positive energy that attracts more of the same.

Step 4: Clear All Your Opposing Beliefs.

Remove all of your self-limiting beliefs so that the Law of Attraction will work for you. This means re-programming self-limiting beliefs and resolving inner conflicts that are not in alignment with what you want.

Don?t worry if you find this challenging. Most people do. Our self-limiting beliefs are usually subconscious, living in what I call a ?blind spot.? Most of the time it requires the skill of a therapist or a coach to help identify these self-limiting beliefs and transform them into empowered beliefs. Even Tiger Woods has a coach to help him get past his blind spot.

What do self-limiting beliefs sound like? Take a look at some typical examples of actual beliefs I?ve heard:

?Maybe I don?t deserve success?

?It?s selfish to want more money?

?I?m not sure I want to be in real estate?

Step 5: Take Inspired Action and Allow It to Come to You.

Take Inspired Action and detach yourself from the outcome. In other words, do what feels inspired based on your intuition and inner nudges. Avoid Frantic Action that comes out of fear and a reactive mode. Once you take action, suspend your doubts and believe that what you want is on the way to you. This puts you in a state of joyful anticipation where your vibrations are high and you are magnetic for what you want.

Practical Tips for Applying the Law of Attraction Everyday

1. Practice Gratitude. Open the door for more good to come to you. Start each morning thinking about all that you are grateful for. Keep a gratitude journal; write in it daily; read it often.

2. Visualize. The more you visualize what you want, the faster it will come to you.

3. Observe Your Own Self-Talk. Stop giving energy and attention to that pesky inner voice that brings your energy and vibrations down. Replace self-sabotaging thoughts with empowered ones.

4. Ask Yourself Throughout the Day, ?What Do I Want?? By doing that, you are focusing your conscious and subconscious mind on what you want to attract and you are increasing your magnetism.

5. Do What Brings You Joy! I have two rules here:

Rule 1: If it gives you joy, do it!

Rule 2: No, really, if it gives you joy, do it!

A Quick Recap: Remember that everything is energy ? every thought, belief, and feeling ? and that like energy attracts like energy. So, focus on what you want, tame your inner critic and send out what you want to attract to become magnetic for your ideal clients, new listings, more in commissions? whatever your professional heart desires.

Here is a letter I recently received from one of my clients:

?Dear Maya,

In the last week I have been really focusing on the Law of Attraction. I have been practicing stopping my negative thoughts, and asking myself, ?So what do I want?? In addition, I verbalized out loud positive affirmations of having my business succeed.

Out of the blue I have 3 new listings in one week. I know that it?s my practice of the Law of Attraction. I have been putting out a very positive energy, and expecting results to come to me, and they have.

By the way, all of my new clients are my Ideal Clients. When I work with them I am uplifted to a higher plane. I know that they appreciate the service that I give them, and that makes my work a pleasure, because that makes my work a win-win. I can?t thank you enough for helping me implement the Law of Attraction into my everyday life.?

Paula, Real Estate Agent

For your complimentary ?Skyrocket Your Business With The Law of Attraction? One-On-One Session, please visit Maya?s website: http://www.coachmaya.com. For more information on powerful marketing tips and tools, visit: http://www.90daystomoreclients.com. Get your Free Mentoring Session, ?Seven Simple Strategies to More Clients in 90 Days.?

For more information on powerful marketing tips and tools, please visit Maya's website: http://www.90daystomoreclients.com While you're there, get your Free Audio Mentoring Session by clicking the first button.

7 Options To Buy Investment Property

As well as the whole world to choose from for location, there are a number of different ways to directly invest in property. What is a little daunting is the number of variables this creates ? 175 by my reckoning! (7 ways to invest multiplied by at least 25 countries). So, once you have decided what to invest in, you can then get on to deciding where to invest (which has been covered elsewhere in HPA).

There are really three key factors to consider when deciding how and where to invest ? risk, reward and effort involved. How you invest is important because it affects all three key factors; where you invest only really affects risk and reward. The reality is that many people only concentrate on the (potential) reward, and often become blind to the risk involved. Even more frequently though, people do not factor in the effort required for certain types of investment. This can then lead to frustration, despondency or panic, and at worst, a desire to stop investing completely.

I have ranked each of the 7 in terms of the level of effort required (The Hassle Index!). Coming in with the lowest ranking is Guaranteed Return Investments. These are simply a cash investment in to a project or scheme, you receive a monthly, quarterly or annual fixed return on your investment. As an example, a scheme investing in UK buy to lets has been delivering a 32% return for over 3 years now, paid monthly. Another in Turkey is delivering a 25% annual return. The risk element is high with these types of investments, especially when your cash does not secure you title on an actual property (as with the UK scheme). But the effort involved is simply to sign a contract and hand over your cash, after copious amounts of due diligence though! I know of an innovative company that is going to ?re-package? these schemes and offer a lower return but with an insurance scheme bolted on, protecting your cash and reducing the risk element.

These investments appeal to cash rich/time poor individuals willing to place a percentage of their cash for a high return, especially if they are unable to obtain mortgages enabling them to gear up.

The second lowest ranking in the ?Hassle Index? is Syndicate Investments. Here again you invest cash along with a number of other individuals, which is then invested and managed on everyone?s behalf. You are rewarded with a return based on the level of success of the whole scheme. The timing and level of returns are not guaranteed. The structure of these schemes varies; at one end you have the hugely popular schemes run by Ready2Invest, which are fully regulated and offered via a prospectus, investing in Montenegro, Bulgaria and Croatia. Alternatively Alan Forsyth runs excellent syndicates focussed in the emerging markets of Estonia and Latvia. These are smaller schemes and you are buying shares in a listed company and effectively becoming a ?mini developer?. The current scheme aims to deliver 30% p.a. returns with initial payment after only 18 months.

These investments appeal to a similar type of investor as the Guaranteed Returns, but the risk is reduced because the syndicates spread their investments across a number of projects and the set up of them is often far more structured and professional.

A potential downside of the Guaranteed Returns and Syndicates is that your growth does not have the benefit of leverage. As an example, if you invested ?100,000 and achieved 30% return in one year, you?ve made ?30,000! If you invested the same ?100,000 and with an 80% mortgage bought a ?500,000 property, you only need 6% growth to equal the ?30,000. Anything above that and you are ahead.

Now the ?Hassle Index? moves on to the area of off-plan purchases, which I have split in to 3 different types. Next on the ?Hassle Index? is Off-plan ?flip? investments. This is a high risk strategy that involves an individual placing a deposit on one or more properties that have yet to be built, in the hope of selling (or ?flipping?) at a higher price prior to final completion. The obvious risk is where you cannot re-sell because the market has shifted and you have to complete on the purchase(s) or lose the deposit and face potential legal action. There are numerous distress sales in parts of Spain and Bulgaria now as a result of this practice (creating perhaps an eighth way to invest for buyers willing to purchase these distress sales at below market value!) This is a growing sector and warrants a separate article. These purchases have been particularly popular with Irish buyers, but if you don?t have the means to comfortably hold on to your purchases should the market change, you do need a strong constitution!

In some markets the shift in the market actually creates opportunities for ?flipping? for buyers who in fact intended to complete. We are seeing this in Perth, Western Australia at the moment where demand has increased so much buyers who paid deposits last year are achieving offers prior to completion of 30%+ more than the original off-plan price.

Number 4 on the ?Hassle Index? is Off-plan Managed Investments. Here again you pay a deposit before the development is built, but you know that it will be fully managed for you, with some offering the attraction of fixed returns. The hassle is higher than if you ?flip?, because you have to complete on the property and arrange finance etc, but once you have gone through that your level of involvement is minimised. These can fall in to the category of ?apart-hotels?, essentially fully serviced apartments, or you can even just buy a hotel room. Capital growth can be less than pure residential apartments, because the value is more closely tied to the rental return from the investment (often less susceptible to investment hype and bubbles); more akin to commercial property. Consequently these type of investments tend to appeal to buyers more interested in rental return than all out capital growth.

A prime example is a development in Chiang Mai, Thailand, which will be managed as a 5* complex by Pan Pacific, delivering a guaranteed 10% Nett return for 3 years and expected to rise from there. Evidence elsewhere (mainly in the U.S.) suggests that if the rental demand is strong and the location in demand, capital growth on these investments can still be very good, beyond what the fundamentals would be expected to deliver.

Number 5 is your straight forward Off-plan to keep. You will go through the sale process completely and then probably have to get more involved in the rental process at the other end. This is where you need to be really up on your due diligence, because if you miss with the location (fundamental supply and demand), you may find yourself with a property you are unable to rent or re-sell. This is the most popular method of purchase for investors though, because you are initially buying with only a deposit, hopefully at a reduced price because it is off-plan, achieving capital growth on the whole property during the build period (and then beyond). In addition, investors look to ensure that the projected rental returns will at least cover all costs of finance and ownership.

Buying Second-hand property is traditionally what most people are familiar within the UK market. It does come with some advantages that should lower the risk; you know what you are buying, you can see it, touch it and get it well and truly surveyed. In addition, you should be able to better estimate the rental return as agents can again see and touch, or there is already a tenant in place. In certain respects it does come with a little more hassle, because unless you find a good sourcing agent, you are ?on your own? to find the right property. With off-plan, you can tap in to the research and resources of several investment clubs and buy knowing that they have taken an element of the risk and effort away. In reality this means that the majority of investors can buy ?sight-unseen?, although I would always recommend you visit a potential site if at all practical.

Finally, you could undertake a Renovation. Certainly the highest ?hassle?, but if you have the stomach and time for it, potentially the most personally and financially rewarding. A quick viewing of daytime telly property programs shows how easily these can go wrong and money can be lost; you really need to know what you are doing.

So, briefly returning to the initial point about risk, reward and effort, the table is my opinion on how each of the 7 rate. What?s interesting is how the scores all fall within a close range (14-17 points out of a total of 30). This is based on placing equal importance on all three variables. If you were to conduct the analysis yourself, perhaps using real examples (so you will also be taking in to account which countries you are looking at) for each category, you should weight the three variables (risk, reward, and effort) based on your personal preference or level of importance. You may consider reward to be far more important than effort, or the risk averse will add extra weight to that category. At the very least, ask yourself which of the three is most important to you and use that to help assess your future investment decisions.

Further research: Where on Earth can advise you where in the world to invest as well as what to invest in, based on your personal circumstances. The service is currently free.

Visit http://www.whereonearth.biz
email: sales@whereonearth.biz
or telephone +44 (0)8456 343 151

How Much Equity Does Your Home Have?

When it comes to real estate, there are few things more important than equity. All of the advice given to first-time homebuyers centers on how much equity they are likely to build in the time they will be living in the home. Additionally, when it comes to getting a home equity loan or selling the house, knowing how much equity you have built up is quite important. It will determine how much cash you end up with. And that is no small consideration.

A Definition of Equity

Most of the time, equity refers to the amount of ?ownership? you have in a particular piece of real estate. A set amount of cash is the main expression of the equity in your property. Equity is usually built by a combination of two things:

1. Making mortgage payments
2. Increases in the property?s value

The longer you have the real estate, and make payments on it, the more equity you are going to build up in the property. And if you live in an area where the home values are increasing, you will find that helps with your equity as well. This is the reason that the general advice is to buy only if you plan to stay in a home for at least five years. This gives the property time to appreciate, and it allows you the time to pay down some of your property loan?s principal.

Determining Your Real Estate?s Equity

It is usually very simple to figure out how much equity you have built in your real estate. First, you need to find out what the current market value of your home is. You can do this by talking to a variety of real estate agents, mortgage loan officers, and appraisers. Next, you subtract the amount that you still owe from the market value of your home. The result is your equity. Here?s an example:

You bought your home 11 years ago with a loan for $115,000. Now, however, the property at current market value is worth $135,000. And you have paid down some of your loan, still owing about $75,000. To figure your equity, you subtract the $75,000 from the $135,000 for a total of $60,000. This is about how much you could expect to pocket if you sold the home at current market value, or the amount of money you would have access to with a home equity line.

Visit Home Equity Wise to view our Recommended Home Equity Lenders online. Also, visit Home Equity Wise to find information about obtaining a Home Equity Loan Online.

How Clear is Your Vision?

Visualisation is an invaluable skill to develop to enhance success and achievement. Why? Because almost every human achievement and creation throughout history was first enacted or created in the mind of a man or woman. A clear vision of exactly what you actually want is an essential step for any person serious about bringing their dreams to reality.

The more clearly you can see yourself having achieved your goals and enjoying the rewards, the more it is going to motivate you to make the plans and take the actions necessary to achieve your goals.

It's also important not to be vague about what it is you desire, you must fill in as much detail as possible.

For example, if you decide you want an expensive sports car, to just keep telling yourself you want a sports car is of little or no use. You need to decide the make, model, colour, and all the features you want your new car to include. You also need add emotion - see yourself driving this car, smell the upholstery and feel the pleasure and excitement of owning the car, and the sense of pride and satisfaction of having achieved what you set out to do.

If you want to buy or build your dream home, you need to have a clear vision of exactly what your home will look like, the floor plan, how many rooms it will have, how each room will be decorated, how the grounds will be laid out, where it will be located, and so on.

Also think about why you want whatever it is that you want, as the stronger your reasons, the more motivated you will be, and the more effective your visualization will be.

If you desire material possessions, it doesn't matter if you can't currently go close to affording them. In the case of character traits or skills, it doesn't matter how far you are now from where you want to be. The important thing is to first establish exactly what you desire in detail, and having powerful enough reasons for wanting it.

Time should then be regularly dedicated to visualising your dreams and goals as if they are already achieved. By doing this you are priming your subconscious mind to move you towards your goals.

This may sound like a bit 'pie in the sky', but this a proven technique. The latest brain research also confirms this is much more than mere daydreaming.

Without getting too technical, our subconscious mind is by far the most powerful part of our brain, It effectively operates our bodies and our internal organs, and allows us to carry out simple daily actions, like walking, talking or driving, and everything else we do, without even having to think.

It also records virtually everything that ever happens to us, including many things we aren't even consciously aware of, and provides us with our intuition, our hunches and the inner voices that guide our actions. It thinks creatively and spontaneously, rather than logically and analytically.

This is why, perhaps most importantly of all, it accepts everything that our conscious mind presents to it as reality, and it will then go to work to create this reality. This is a simple explanation why, as has been said countless times by countless people - that we actually achieve, become and experience, what we spend most time thinking about.

Brain research also indicates that our brains are naturally action orientated and think in positives. This means for example, if you tell a child 'don't spill the milk' you actually increase, rather than reduce, the chances of the child spilling the milk, as the subconscious mind only registers 'spill the milk'.

Therefore, if you spend time hoping that the worst won't happen, or constantly think about your problems, you are as good as encouraging the exact outcome you don't want, or asking for more problems. On the other hand, if you actively focus on solutions and the outcomes you want to achieve, and optimistically expect the best, you automatically move in the direction of your goals.

To really get moving towards you goals, work at building up as detailed pictures as possible, and add emotional intensity by seeing yourself having achieved your goals, and enjoying the feelings that these achievements bring.

Work at visualising, and really seeing these pictures regularly, as repetition is necessary to ensure any old negative images are replaced. Try to clear your mind of any other thoughts first. When you are drifting off to sleep, or as you are waking in the morning, tend to be good times for many people, as the mind tends to be more receptive when not fully awake. Visualisation can also work very well when combined with meditation techniques. Experiment to find what works best for you.

This makes your subconscious, creative mind go to work motivating and guiding you to make the plans, break your goals down into manageable chunks, and take the necessary actions. It will also connect you to inexplicable forces that will assist you, and help to create the circumstance to ensure you achieve your goals.

If you make the effort to regularly focus on and visualise your goals, no matter what worries or problems you are facing, you will eventually find you are thinking about them most of the time, and that you become a more positive, optimistic, happy and successful person.

You must see your goals clearly and specifically before you can set out for them. Hold them in your mind until they become second nature. - Les Brown
About the Author

Garry Zancanaro is founder of a href= http://www.selfimprovementdirectory.com/ SelfImprovementDirectory.com visit to claim a FREE Think and Grow Rich, and creator of a href= http://www.supersuccesslibrary.com/ SuperSuccessLibrary.com a collection of the Best Success Resources

Back To School Back To College Sports

It?s that time of year again, when students are heading off to college, and new sports seasons are starting for college teams. There are many ways for students, alumni, and hometown fans alike to show their loyalty, and stay warm as they cheer on their teams in dropping temperatures. While football moves indoors in colder climes for the pros, college athletes, and their fans, are likely to be playing and cheering outdoors, come rain, wind, or shine. Make sure that your favorite fan has a well stocked closet for the fall season.

The key to dressing for fall, with unpredictable weather that varies from mimicking summer to winter to everything in between, is layering. And any truly faithful fan will want each layer to reflect her loyalty. After spending the summer in t-shirts trying to stay cool, look now for long sleeve t-shirts to make the transition to cooler weather. As fall goes on, your fan will want to don a sweatshirt or windbreaker, emblazoned with his favorite team?s logo of course. Look for lined jackets for even colder days. On football weekends, your fan may be spending the whole day outdoors, tailgating, then cheering.

Baseball caps and floppy hats are the way to go for keeping summer sun off your face and neck, but they don?t do much to keep ears warm, so look for knit caps in school colors, and don?t forget matching gloves or mittens and scarves!

Dropping your kid off at college to start the year? Add some college fan items to your dorm room decorating list. Banners and posters are great for covering up bare, white walls. Toothbrushes and soap boxes will give your student fond feelings for alma mater as he heads to the showers. If she?s playing intramural sports, replica jerseys like the ones worn by the varsity teams will draw attention on the field or court, and workout gear like t-shirts, athletic shorts, and even socks will round out her gym wardrobe. Heading up for Parents? Weekend? Here?s one time it?s okay to dress like your kids. Many colleges will have special parent-wear available.

If your kid is at a school like UCLA or Notre Dame, you?ll find fan gear readily available at any number of places outside the campus bookstore. For smaller campuses, look for stores that can personalize generic items with your school?s name or embroider the school logo on clothing, backpacks, and other gear.

About the Author:

Jena Luthowski writes about Sports Fans Gear Coupons, Team Gear Coupons and Coupon Promo Codes.