5 General trends in the california real estate market to watch 2006

Historically, the real estate trends of California have always been the precursors for the rest of the country. Which is why leading players of the real estate market keep a close watch on the Golden State’s real estate market conditions. And whether you are a first time homebuyer, debating the viability of building your dream house in San Bernardino, or a real estate investor looking to sell condominium units in Los Angeles, you certainly want to know: When is it the optimum time to buy or sell? Purchasing a house is a major investment. With judicious planning, this valuable asset will appreciate with each year. But how do you get the big picture? Fortunately, real estate trends are predictable because these develop over a long period, unlike the stock market, which is rather volatile. The first thing you will need to do is to read and track real estate articles: the market reports of the California Association of Realtors or the California Building Industry Association, and the briefs created by housing analyst companies. Once you have identified the following key indicators you will have a better grasp of the general trends in California’s real estate market. THE FIVE KEY INDICATORS TO WATCH Interest Rates When interest rates rise, buyers shy away. Conversely, lowered interest rates attract more buyers. This year, interest rates in California are on an upswing. For example, thirty-year fixed mortgage rates, which averaged 5.71 percent in 2005, has risen to 6 percent levels in January 2006. And adjustable mortgage interest rates have moved up to 5 percent levels compared to 4.12 percent in 2005. Building Permits The higher the number of building permits issued, the higher the demand for houses. Figures show that number of building permits issued for the year 2006, have fallen by 10 percent in comparison to last year’s figures. In terms of houses, that’s a decrease of 1,430 building permits compared to January 2005 figures, according to California Building Industry Association report. Home Sales This key indicator refers to the total number of homes sold. In the law of supply and demand, when there are few buyers, real estate prices fall. The January 2006 figures of the California Association of Realtors reveal that the number of existing single-family detached homes sold, has gone down by 24.1 percent in comparison to sales for the entire year 2005. Another factor to consider is the growing inventory of available houses in certain counties in California, which is changing the market dynamics. What was once a sellers market is slowly turning into a buyers market. Loan Defaults This refers to the failure of homeowners to pay their monthly mortgage fees. One downside to this is that many Californian homeowners are choosing to have a bad credit report, rather than to keep paying fees for a home whose value has been inflated by as much as 20 percent more. Foreclosure Sales Figures presented by DataQuick Information Systems, a housing analyst company, indicate that foreclosure activities in California have gone up by 19 percent in the last quarter of 2005. This is an increase of 3 percent compared to the third quarter of 2005, and is 4.6 percent higher when compared to 2004’s last quarter figures. When foreclosure sales are on an upswing, consumer spending is down and consumer debt levels have risen. In the real estate market, this has meant that many financially strapped homeowners are selling their homes at lower prices. The other contributable factors are inflation, the rising prices of gasoline, federal budget deficit, and interest rates. Concurrently, these key indicators confirm that although home sales levels in California are falling, the demand for houses remains strong and steady. Always do your due diligence before undertaking a purchase of property in California.

Introduction to argentina soccer

Ok, you know all about the passion for soccer in Brazil from Ronaldinho's promo ads, but what about Argentina soccer? Why is it that a country that suffers and lives for soccer equally as the Brazilians don't get their fair share of spotlight time? Admittedly, one of the reasons is its smaller trophy room in comparison to Brazil's (2 titles in 4 finals for Argentina, 5 titles in 7 finals for Brazil) but still...In order to do it justice, I decided to accustom you to football in Argentina. Argentina soccer was organized in amateur or semi-professional local championships at the dawn of the 20th century and despite the fact that Argentina's national soccer team played its first match in 1901, don't think it was the same type of national team you would have today. Most of the players, spotted in the semi-professional championships formed up that 1930 World Cup finalist team, after which most of them returned to mediocrity. In 1931, the first professional country-wide championship was instituted, although not all teams were affiliated to the national association. For example, only teams from Buenos Aires, Avellaneda and La Plata formed the championship structure in the first years, with teams from Santa Fe or Rosario joining later on. This early championship called the Metropolitano did not allow other provincial teams to join and due to increasing demand, the Argentina soccer association finally created a fully nation-wide competition in 1967, called the Nacional. For several years, the Nacional and Metropolitano championships were played separately. The Nacional was a 1-group championship, of which the six best teams would be eligible to take part in the Metropolitano next year. It would be until 1985 that Argentina soccer would hold this structure, after which the Nacional became the main championship. In Argentina, football holds two "seasons" as of 1991, named the Clausura and Apertura (the closing and the opening), and played as two distinct single-round championships. Each year, relegation is calculated based on a three-year average and the 2 teams with the lowest average are relegated, with 2 teams with the highest three-year average from the lower division are promoted. I have to admit, this system they adopted for football in Argentina was a bit weird at first and needed some getting used to. But I can also see the advantages of such a system. There are 5 teams that have dominated Argentina soccer ever since the Metropolitano championship was created: River Plate, Independiente, Boca Juniors, San Lorenzo and Racing Club are fighting for the title of Champions each year, for the past 50 years or so. Unfortunately, it's a case of "rich get richer" and smaller teams have less and less of a chance to be crowned as Argentina soccer champions, with these 5 (especially the first 3) dominating and monopolizing the competitions. It's these 5 clubs that launched many of the greatest Argentina soccer players on the world stage, although most of them transferred to powerful European clubs after only a few years at their home clubs. A few noteworthy examples include Alfredo Di Stefano (River Plate), Diego Maradona (Boca Juniors), Juan Roman Riquelme (Boca Juniors), Daniel Passarela (River Plate), Esteban Cambiasso (Independiente) or Guillermo Franco (San Lorenzo).

Introductory course on e learning

: The scope of this introductory article in e-learning methods and practices is to provide the readers with the necessary knowledge to develop e-learning courses. Developers of e-learning courses should be able to: 1) Understand in which cases e-learning constitutes an appropriate educational method 2) Define the educational needs of their learning groups 3) Write distance education materials 4) Choose the adequate ways of communication between students and tutors as well as between students themselves 5) Become effective e-tutors 6) Provide student support, when necessary 7) Assess the students in an effective way 8) Evaluate the effectiveness of their courses Methodology The duration of a course, as well as its exact contents, depend on the educational needs of the specific group of learners. Therefore, the first step in the designing of the course will be to identify the specific needs of the learners. A detailed questionnaire should be distributed to the target group and their answers will be measured qualitatively and quantitatively. The questionnaire will measure the IT level of the learners, their previous experience in e-learning or other distance education methods, their learning and communication patterns, etc. Those answers will form the basis of the course’s planning. Α bibliographical research in each country’s social, political, educational and technological background is also essential in order to understand the prospective learners and plan a program that fits their needs as well as their customs. Unfortunately, as Robinson (1995, p.225) pinpoints, a significant amount of research and studies based on the subject of student support and communication in e-courses has been developed on the basis of an analogous cultural context: the formal, institutionally-based higher education of the developed world. The imposition of this context has created a false “norm” and has undervalued the importance of diversity in the development of open and distance educational courses. The aim of this research will be to identify the context-specific factors, which shape the learners’ needs, mainly: *The geographical distribution of learners *The technological infrastructure *The economical capabilities *The socio-cultural diversity The study and analysis of the bibliography and the questionnaires will enable the educational team to develop a course, with respect to the diversity of the specific learning community. The findings will be used particularly in the designing of the communication methods and patterns and the system of student support. The course will be designed in order to provide high levels of interactivity between learners. The students will have a lot of opportunities to communicate with each other in both synchronous and asynchronous ways, exchange viewpoints and, the most important, undertake team-work projects. One of the most significant advantages of the online distributed courses is the ability to bring people from diverse cultures closer by creating multicultural learning communities. Thus, the collaboration between students will add value to the students’ learning experience, since it will offer them the chance to view the world from a wider perspective. The projects and assessment exercises that the students will undertake will be practical, in forms of realistic scenarios. For example, in the thematic field “Understanding your learners” (see below), the students may be asked to draw up a list, of which elements are important in knowing their learners and cast interviews on a real group of learners. Since the prospective students of this course are already working in the field of education, they won’t encounter any difficulty in accessing a sample. Thematic fields of the course The suggestive thematic fields of the course are: 1) The historical context of distance education and e-learning 2) The designing of e-learning material: text and multimedia material 3) The communication between groups of learners a. The pedagogical necessity of interactivity between learners b. Forms of communication: synchronous, asynchronous communication and the technological means to achieve it 4) The role of the e-tutors 5) The support of students in e-learning environments 6) The students’ assessment and self-assessment 7) The evaluation of the e-courses Of course, the aforementioned thematic fields are indicative, subject to change depending on the findings of the research. Bibliography ROBINSON, B. (1995), Research and pragmatism in learner support, in Lockwood, F., Open and Distance Learning Today, Routledge, London.

Does the american government see its citizens as its children

In Americas 230 year history the government seems to have forgotten that there job is to run the government as the people see as best and not the government telling the people what is best for them. The most recent example is the Internet gambling Ban signed into law last week by President Bush. The bill makes it illegal for banks and credit card companies to transfer money to casinos for the purpose of wagering on sports or games of chance, like roulette, blackjack and poker. These games are harmlessly enjoyed regularly by millions of Americans everyday, but some people become addicted to these games so the government is telling all of its citizens that no one is allowed to play these games in an online casino. This is not the first case of the government going against the wishes of the people, in the early 1900’s the government decided that the consumption of Alcohol should be banned, because some people were developing health and mental problems related to drinking too much. So rather then educating the people on the ill effects of prolonged Alcohol abuse the American government banned Alcohol. But instead of reducing the consumption of Alcoholic beverages it increased, and because the government was not allowing the production or importing of Alcohol, organized grime got into the moonshine business, and eventually the Government saw the error of their decision and repealed the law. Another great example of a failed policy to protect the people is the war on drugs that the government has been aging since the early 1980’s Billions of tax dollars a year goes into the war on drugs, but what are the results? The price of drugs has risen, and to support their habits many drug addicts have had to commit acts of robbery and murder to get their drugs. The American prisons are packed full of people whose only crime was possession of these illegal drugs. Instead of being an industry that is regulated and controlled you have people selling these drugs to kids in school playgrounds, and shooting each other to protect their territory. Had the government decided not to criminalize drugs but make it a heavily controlled industry, they could use the tax money for social programs like schools ad to give Americans universal health care. Please do not misunderstand me I am not in favor for legalizing hard drugs, but the current system is not working at all, but I am all in favor for legalizing online casino gambling. If I choose to play some hands of blackjack or poker from the comfort of my home what rights does the government have to tell me not to, and what sense does it make that I can not play in a casino over the internet, but I can drive down the street to the local casino and play there. To enforce this ban millions if not billions of dollars of software and computer hardware will be needed to monitor all of the banks transactions and that money will come from taxes instead of the government taxing online casinos or even having all the online casinos government controlled then they get all the profits to be used to improve the lives of the American citizens, millions of which are bellow the poverty line if not homeless. The American government needs to start re-thinking its policy of treating its citizens like small children, or the American people need to demand a new government.

Six mistakes to avoid at the taj mahal

Most of your visit to India’s most-famous attraction is natural and inspiring. If it is your first visit, however, it is easy to make the following mistakes Mistake 1: Make your visit too short. Buses have been known to allow as little as half an hour to “see” the Taj Mahal, which is hardly time to walk the length of the reflecting pool. If this is your bus’s timetable, consider finding another. Allow a minimum of two hours to fully savor the “poem in marble.” Mistake 2: Arrive with no prior knowledge of the Taj Mahal. The Taj Mahal is a mausoleum and not a palace; it was created by a Mughal king in honor of his wife who died giving birth to their fourteenth child, and it is covered in real marble. There is much more to the story that will enhance your enjoyment of what you will see and feel. Do yourself a favor and enjoy some reading and research beforehand; the more you know, the richer your experience. Guidebooks, such as Eyewitness, are helpful. Mistake 3: Remain with your guide or group during your entire visit. After hearing what they have to tell you, leave them and wander to a secluded spot so you can gaze at this wonder of marital love on your own. Carve out time for solitude. Sit on a bench and contemplate the grace, balance, and beauty of Shah Jahan’s creation. Mistake 4: Limit your visit to the Taj Mahal to only one time of the day. Throughout daylight, the marble dome reflects sunshine with hues of pink, orange and white. Clouds and rain add additional interest. In Agra, the sky provides a backdrop for the double dome of the Taj Mahal. See as many of these variations as you can. Count yourself blessed if you are able to see the Taj Mahal in the moonlight. Mistake 5: Become frustrated with the guides and photographers. It is a popular business to impart information and produce a lasting memory for you at the Taj Mahal. Guides will ask if you want them to tell you about their country’s most famous attraction. Photographers will want to snap shots of you during your visit. Most of them are citizens of the country you are visiting. If you have made plans that exclude your need for their services, refuse with firm courtesy. Your desire for personal viewing time needs to be balanced with their need to work. Mistake 6: Don’t take any—or enough--pictures. The Taj Mahal is the single most photographed place in India. You can add to this distinction with your own images. Unless you are certain you will return shortly, visually record your favorite sights while within the walls of the Taj complex. Are you drawn to the walkway? The row of shoes outside the entrance? The black and white pattern of the platform? The inlaid prayer rugs in the mosque? Whatever they are, record details as touchstones for remembered pleasure From the moment you enter through the gate and stroll along the dazzling, rectangular reflecting pool, the lovely mausoleum will draw you to its marble steps. Slipping off your shoes, you will pass into a softly lit interior, and circle two richly inlaid caskets beneath a great domed ceiling. The carvings on the walls, the spectacular dome, and the harmony of all the details are there for you to admire. The truth of the matter is you could actually make all the mistakes above and still be touched by the Taj Mahal. It is a sight undiminished by expectations.

Successful outdoor paintball gun strategies

The key to all effective outdoor paintball gun strategies is practice. Every professional paintball team spends many hours going over their paintball gun strategies. Practice allows you to have individual skills and enhance teamwork. There are four steps you should use when practicing outdoor paintball gun strategies. Discussion Before you even being training it is best to go over the various field plans as a team and decide on the best paintball gun strategies you should use. Consider the different situations you may run into and the plans you can use. Before you actually set foot on the field you want to make sure everyone is clear on what to do. Dry Training In this step you want to take the time to walk through all your paintball gun strategies. You don't have to do this on the actual field, especially if you don't know where its going to be. You can practice in your backyard if necessary, just make sure everyone knows what your paintball gun strategies look like when they are in progress. Half-Speed Training In this training method you will actually use paintballs. Go through all of your paintball gun strategies, but go slowly like you did with dry training. Don't rush and use soda cans as targets. If you can hit soda can during training, you will have no trouble hitting your opponent during the game. Full-Speed Training Now you will be running through the field and using paint as if you were playing against real opponents. It is a good idea to do this first on the speedball field where you can get a feel for your paintball gun strategies and how the team works. Then you can do a practice run in the woods before you are ready to face your opponents. Practice is a long and important process. By following the four steps of practice you can be successful every time you step on the field. However, some keys to successfully completing your paintball gun strategies include knowing the terrain; having good communication and teamwork; and being able to move effectively. Know The Terrain Study your terrain well and look for any advantages. If there are hills you can slowly climb up at a crouch. Then when you reach the top you can pop-up for a quick look before dropping to your stomach for protection. This way you can quickly and easily see what targets are available. If the goal is to protect your flag then you should look for a tree that gives you good protection while allowing for movement. It may be a good idea to try sitting in the tree and suprising your opponents from above. Communication and Teamwork Communication is essential to outdoor paintball gun strategies. Make sure you have your movements planned so that everyone instinctively knows where to go and what to do just by watching each other. In outdoor paintball games communication doesn't necessarily mean the verbal kind. You don't want the other team to know what you are doing so silent communication is important. Choose a leader and base your reactive strategy off them. Choose your leader based on tactical experience, military sense and nerve. Movement The most important part of outdoor paintball gun strategies is movement. If you want to rush through the woods it is best to stay on uncluttered ground. When you are in the woods the spot you step on will have an impact on how loud you are. It is best to have comfortable hiking boots especially if the area is muddy and the ground is unlevel. Another key to silence in outdoor paintball gun strategies is your hopper or paintball pods. If they are half-filled they will be as loud as baby rattles. You should choose pods that are about half or 3/4 the size of your hopper.

Interracial dating and love

Interracial dating in the past has been considered taboo. But as time passed by, more and more people came to understand and accept relationships of people from different races. Although there are still quite a few who are uncomfortable about the idea of interracial dating, most people in the society nowadays are open-minded. You cannot control what your heart tells you. If you fell in love with someone from a different culture and racial background, you may find it difficult to fight for your love because of other people’s reactions. However, there are a lot of interracial relationships that prove to last longer than those who have had same-race relationships. This may be because they felt a stronger bond of love between them and the trials that they went through made them love each other more, instead of breaking them apart. They grow together as one which is a really strong foundation for real love and long lasting relationship. There are some challenges that face interracial dating because of cultural differences between interracial couples. There are some countries that still have this societal pressures and prejudices about it. In addition, some of the interracial couple’s family members might oppose the union because they might think that it is unsuitable for their family’s image in the society. They are worried about what other people might think about their son or daughter’s relationship with another person of different background and color. The cultural differences between the couple are one of the most difficult of all challenges because each one has to adjust to the other’s cultural upbringing. While establishing their own family, the question lingers about how they would raise their children. What cultural background should they be exposed to and other things for that matter. In order to resolve this, they should have a serious exchange of ideas for raising their children. The best thing to do is mix in all the good things about each culture but leave out anything negative about it. Interracial dating might have its difficulties and trials however there are a lot of couples who are successfully and happily married. They outgrew and withstand all the trials they have faced during their first days of dating up to the time they have established a happy home. They both have benefited of learning new things about one another’s culture, both the good and the bad attributes of each culture. Another thing that contributes to the success of every interracial dating and relationships is the advancements of technology nowadays. The mobile phone industry and the internet revolution lets people interact accordingly even if they are on the opposite sides of the planet. They feel closer than the actual thousands of miles distance between them. According to studies, there are more love quotes and love sms sent nowadays and much more egreetings sent over the internet. This surely is the essence of the new technologies constantly renovated each day and the interracial couples are greatly benefiting from them. Interracial couples are brave enough to face the world and let the society know that nothing can stand between them and their love for each other. The more challenges and trials the interracial couples are undergoing, the stronger their relationship becomes. This only proves that love can indeed conquer all, from the moment it starts and hopefully until eternity.

Free prepaid credit cards friendly plastic for the very young pocket

It isn't a riddle, but it sure has the makings of one. You want to give your teenager a little spending power. You know your daughter could use the money to order things online. You believe giving her a plastic will help her learn financial responsibility, too. She can teach herself the finer points of budgeting and being accountable for her purchases. There are, however, two obstacles to your plan. The first is your daughter's age. She is only thirteen. As a minor, she cannot enter into credit card transactions. The second is her self-control. You're not sure how much self-restraint she could exercise, particularly when faced with a tempting array of bikinis, handbags, and dresses. So, what do you do? What do you get your daughter? The answer is made up of four words: free prepaid credit cards. Prepaid What? Free prepaid credit cards work in much the same way other prepaid cards do. You deposit a certain amount of money. Then, you get to use the card only to the extent your previously deposited amount allows you to. So you see, your cash balance works exactly like your other plastics' spending limit. Your purchasing power is only as good as your cash balance. Free prepaid credit cards are the perfect way for you to keep your spending within reasonable limits. While the usual plastic lets you swipe away to your heart's content, free prepaid credit cards are only useful for as long as you do not exceed the prepaid amount loaded onto your card. This makes it the perfect plastic for people with spending problems, students on a budget, or teenagers who are being taught money lessons by their anxious parents. A Credit Card That Isn't Really a Credit Card Free prepaid credit cards are classified as credit cards. Many claim, however, that this is a misnomer. A prepaid credit card is not really a credit card. Why? To begin with, no credit is offered by the card issuer. The cardholder spends money that has been stored in the card through a previous deposit. It is precisely for this reason that free prepaid credit cards may be issued to minors. Because there is no credit involved, minors are free to own their personal prepaid credit cards. So Why Get Free Prepaid Credit Cards? There are advantages to getting free prepaid credit cards. The most obvious is that they are very easy to qualify for. In fact, they can be bought over the Internet. Additionally, many providers do not run credit checks or investigate your income. Because it's your own money you're putting up, providers do not put you through hell and back just so you could use your card. Then, too, you do not pay interest charges on your free prepaid credit card like you would with a regular plastic. Why would you? You are, after all, using your own money. Another advantage is that free prepaid credit cards look exactly like regular Visa or Mastercards They are honored everywhere a regular card is. Furthermore, some free prepaid credit cards help you rebuild credit. Each time you use it, you are creating higher credit rating for yourself. We live in a world where our buying power is largely based on our credit rating. Clearly, credit is good, high credit rating is to die for, and free prepaid credit cards are for all of us who have spending problems, have been remiss with paying off debts, or are below 18 years of age.

Home inspections getting your home ready for the inspection

Many times I go to do a home to complete an inspection for a potential buyer, only to find the home not ready for an inspection. The home not being prepared then makes the buyer suspicious that there are areas that the inspector could not access causing them to back out of the dealpleting a few routine maintenance items and having the home prepared for the inspection will avoid those long lists of misc. defects on a home inspection report that can scare a potential buyer. Here are some tips to get your home ready for a home inspection. 1. Make sure the electric is on in the home and to all circuits. A home inspector will not flip breakers “on” or “off” during an inspection. 2. Make sure the gas or fuel is on to all the appliances and that all pilot lights are lit. Inspectors will not light pilot lights or turn on valves. 3. Make sure water is on and functional to all fixtures. Inspectors will not turn any valves to get water to any fixture. 4. If there are any light bulbs burned out, replace them. 5. Clear out stored items under the sinks. 6. If the attic access is located in a closet or other area where your personal effects are in the way, remove all of your personal items from under the access hole and remove any shelving that may be in the way of getting a ladder to the attic. Inspectors will not move any personal items or shelving to access an attic. 7. Grab a screwdriver and check all doors and windows for loose hardware, and make sure they all open/close properly. 8. Clean off the roof and/or gutters from debris, etc. 9. Check for any minor leaks under sinks or drains under the floor in the basement, etc., and have them repaired prior to the inspection. 10. Have your heating and A/C equipment serviced and have record of the last servicing available for proof. Taking care of these items will not only reduce the laundry list of defects found on a home inspection report, but it will also help secure the deal to sell your home. Here are a few sources to locate a home inspector in your area. In Wisconsin: wisconsin-home-inspectors National findaninspector. us homeinspections-usa

Cleaning car upholstery

: These days people use their cars as floating living rooms and dining rooms as they drive around. This means that all kinds of things can get spilled on a car's upholstery. When this happens, you've probably wondered how to clean car upholstery. Once you know how to clean car upholstery, you'll enjoy your travels more. Here are ideas on dealing with some of the most common problems. Using these simple tips will show you how to clean car upholstery to your satisfaction. Note that these techniques are for use on cloth upholstery. Other methods are needed for leather. Removing common stains All that eating and drinking in the car can result in stains from liquids. The first step is to blot the spill and absorb all excess liquid. Then apply an upholstery cleaner available from your local auto parts store. Spray a small amount of cleaner on your car upholstery and wait a few minutes. Scrub the stain a little with an old tooth brush. Then dry the soiled area with a clean cloth. Repeat until you no longer see the stain and the cloth you are using to dry the area shows no discoloration. If the stain is small, shaving cream may do the trick instead of commercial cleaner. If ink stains your car seat, do not rub the stain as this can smear the ink and make the stain larger. Start by carefully blotting the area to remove any excess ink. Spray a small amount of hairspray on the stain and let it sit a few minutes. Take clean dry towels and wipe the area. Repeat as needed but use the minimum amount of cleaner necessary. Change your wiping cloths frequently to prevent soiling the material from cross contamination. Rubbing alcohol can also be used to clean ink on car upholstery. Dip a cotton swab into the alcohol and apply it only on the actual ink stained area. Then wipe with a clean cloth as above. To remove lipstick stains from your car's upholstery, try rubbing gently with a white, non-gel toothpaste. Then wipe clean with a damp cloth. If there is a battery acid stain, rub a paste of baking soda and water into the spot right away. Leave this on for two hours and then wipe it off with a damp cloth. Repeat if any stain remains. Any remaining residue can be cleaned with a commercial upholstery cleaner. As an alternative, you can make your own cleaner by mixing 1/2 teaspoon liquid dishwashing detergent in a quart of warm water. Beat this with a mixer and clean the upholstery using only the suds. Work on a small area at a time, overlapping areas to avoid spotting. Change the rinse water frequently to keep it clean. Let dry thoroughly. To remove a gasoline stain from your car's interior, treat the stain with a mixture of one teaspoon each of vinegar and mild dish detergent in a quart of warm water. The vinegar will remove the odor while the detergent does the cleaning. Let the area dry. If any spotting remains, you may need to repeat the process. If this does not seem to be working, try using dry cleaning solvent. If you have children, they may play with crayons in the car and may get some on the upholstery. To remove crayon marks, first scrape the excess crayon off with a dull-edge knife or metal spoon. Spray with WD-40 and let stand a few minutes. Using a small, stiff bristled brush, work on the crayon stain and then wipe the area with paper towels. Respray with WD-40 and apply liquid dishwashing detergent on the sprayed area. Work this material in with the brush and then wipe the stain away with a damp sponge. If any stain remains, repeat the procedure. To remove mold, mildew and their odor from upholstered auto seats, products with peroxide and detergents will restore the car interior. This both removes the stain and deactivates the odor. Simply spray a citrus cleaner product on the soiled area. Wait about five minutes for it to penetrate. Using a clean white absorbent cloth, blot the area, pressing down firmly without rubbing for 30 seconds. Repeat this blotting process until the area is dry. If the stain or odor persists, repeat the process. As an alternative, you could create a cleaning mixture by combining 1/4 teaspoon of color safe bleach and 1/4 cup of 3 percent hydrogen peroxide. With a clean cloth, gently rub the stain until it is gone. Rinse the area with clear, warm water and dry thoroughly. Clean upholstery helps your car keep its value By keeping your car upholstery clean not only will it look better, it will also last longer. Nice looking upholstery maintains the value of your car. If your upholstery is stained or damaged beyond cleaning, replacement seat covers are available for most cars and trucks. People who know how to clean car upholstery won't have to go to the expense of buying those replacements since their cars' interiors will look like they just came from the showroom.

Get a 6 figure book advance

It's the dream of 81% of the population to write a book. No matter how many times people tell you how difficult it is to do, nearly everyone wants to do it. There hangs a certain romance around writers. I think it's a kind of nostalgia or grieving for some forgotten part of ourselves. We long to return to a place where magic and imagination are revered. Others may just want the quick glory or fast buck they associate with being an author. But whatever you want, getting a 6-figure book advance is possible if you have the skill, drive and know-how. Here are five tips to get you started on achieving the dream of becoming a well-paid, respected author. 1. Know the Industry Educate yourself on how the publishing industry works. Unlike the old days when publishers were looking to cultivate long-term relationships with authors who would be in their stable, today their top priority is just to sell books. When I was traveling in Mexico this year I met a woman whose husband has been a best-selling author for twenty years in England. He has had the same agent and publisher for those same twenty years. Every time he came out with a new book his publishers expected it to be "number one" on the English equivalent of the New York Times bestseller list. They worked with him to make it so. In America the bottom line is king. You must be able to substantiate your claim that your book will fly off the shelves, without any help from the publisher. 2. Prove There is a Market for Your Book In today's world you need to show that your book will sell to one large audience, or many smaller niche audiences. Quantify each audience with statistics that show that they buy books on that subject. It's not enough to say that this audience would be interested in your topic. You must be able to prove beyond a doubt with your well-researched facts that your readers are a *book buying* audience. 3. Develop a Platform This is the most important aspect of your proposal after you've proven that there is a pressing need for your book and that book buying audiences will scoop it up. A platform is simply YOUR ability to sell books to the audience that you have said will buy-from you. It's all about the numbers. How many people are on your e-zine list? How many people do you speak to every month? How many people buy your products and services now? Do you have big name corporations or organizations that will buy your books in bulk? Do you have a regular column, or write for publications? Are you frequently seen in the media? If you don't have an impressive platform you don't get a 6-figure advance. 4. Map out a Marketing Plan to Promote Your Book. Your plan should include everything from speaking engagements, online marketing, licensing, and media placements. It must be realistic and do-able. In other words you can't say that you'll speak to organizations of 1000 people or more if you've never done it. What do publishers hate most? When you say that you're right for Oprah. Unless you've already been a guest and taped the show please NEVER say this if you don't want your reputation instantly sullied. Instead show how you will build on your past publicity. If hosts or producers say that they want you back for another segment because you did such a good job the first time, say it. But if you haven't done much media to date, don't fret. You can begin today and get a substantial number of profiles, features, and comments in the media in a few months by joining PRLeads, a service which delivers reporters queries (the stories they need experts for) daily to your email box. 5. Get Endorsements Big names sell products in a big way. Getting known names of celebrities, best-selling authors, actors, athletes, well - known experts in your field, media personalities, any famous name that has glitter gives you the kind of credibility that can't be bought. One of my clients, who got a number of New York Times best-selling authors to write about him, accomplished three things with his endorsements. Each person who wrote about him told a different story about why he would be a winning author. The first one lauded him as a highly successful professional. The second stated that my client's book filled a gap that her book failed to address. The third demonstrated that the people my client was trying to reach were an avid book buying market hungry for his type of book - as they had bought hers. These meaningful endorsements effectively helped him get his 6-figure advance. (And he got media coached by me before he met the editors at the big New York Publishing houses who then bid on his book at auction). Don't just get endorsements saying you're terrific. Make your endorsements do double duty by helping you prove there is a market and that you're the one they want to buy from. This is the type of information that makes you stand out from the other 150,000 authors who are published every year, most of whom never earn back their advance. Don't be one of them. Instead, follow this advice and you'll be well on your way to earning a 6 figure book advance. Good luck!

10 Quick things you can do today to improve your search ranking

You know all that extra time you have to work on Search Engine Optimization? [A little sarcasm there] Actually, I tried to put together a list of quick things you can do that will help you move a little higher in your Google or Yahoo results. 1. Get listed in more search engines. There are tons of them out there. There are also many free services that will help you get listed. Or just set aside some time to get it done yourself. Here is a free search engine submission site that will let you cycle through the top 100 search engines and get your site submitted. 2. Get listed in more directories. Again, there are a lot of them out there. Look for higher pagerank directories. Improvingrank has some listed by pagerank. Look on the left side of the homepage. 3. Clean up your html and check your links. You want the bots to have smooth sailing through your site. Use the tools on W3c. org and have a real person check them over too. 4. Get a few more links to your site. Make them relevant and at least the same pagerank as you. 5. Make your page filenames descriptive and keyword rich. Naming your page new_page_1.html is wasting an opportunity to do some SEO. Use names that describe the content and keep the keywords flowing. 6. Check your Title tags. You can use 90 - 100 characters in the title, so add some keywords. We know Google looks at them, and so do many more search engines. 7. Check your ALT tags. Searchbots can’t see pictures. Make sure you have ALT tags on all of your pictures, and make sure they are descriptive and keyword rich. 8. Rewrite your URL (anchor) tags. Good anchor tags (the text between the http: and /a tags) reinforce the message and key words of your site. 9. Go post in a few forums and put your website in your signature. Forums are a great place to put one way links. And you can help somebody out at the same time. 10. Put together a text based sitemap and put it on your site. There’s a lot of navigation that spiders can’t understand, such as flash, forms, java and javascript. Putting together a text-based sitemap gives the bots a way to navigate around the site. Fifteen minutes every couple of days will make a huge difference in getting your rank higher.

Action vs. inaction

Spring is a great antidote to long cold winters. It's the same with action and inaction. Action is a powerful antidote to the stagnation of inactivity. Being creatively alive involves abandoning a position of inaction in circumstances which have traditionally immobilized you. The name of the game is action. Doing. Overcoming your inertia and acting will give you a whole new lease on being creatively alive. Action is the single most effective antidote to depression, anxiety, stress, fear, worry, guilt, and of course, immobility. It is virtually impossible to be depressed and active at the same time. Even if you wanted to, it is difficult to keep on moping, complaining, lolling around and wallowing in self-pity if you get active and do something. Anything! Just doing is such an important part of being a fully functioning person. In fact, that lack of action is not a result of depression; it is the cause. Don't be paralyzed by the fear of making a mistake. Taking action, gives you momentum. Initiating the effort attracts opportunities and synergistic things happen. Inactivity, on one hand, is most often a choice rather than an inescapable fact of life, while action is a definite way to avoid being victimized by yourself or others. If you decide to do something about your problem or challenge, rather than grumble about it, you'll be on the road to changing things around for yourself. When you take action, you also take control. Thinking keeps you a prisoner of the past. Action puts you in control of the future. If you find yourself asking, "Yes, but what can I do" the answer is very, very simple. Anything is a lot more effective than nothing. This old proverb has a lot of truth in it: Even when you are on the right track, you'll get run over if you just sit there.

Horses secretariat s maiden races

In this article we're going to take a brief look at Secretariat's early races in his career that led up to a triple crown winner. Secretariat was a winner, but he didn't start out that way. His very first maiden race was on the 4th of July in 1972. There was a lot of fanfare surrounding this race. The big bad red racehorse was supposed to eat up the field alive. All the talk about his lineage and all the rah, rah, rah, couldn't stop a 4th place finish. Oh he was chasing after the leader as they came down the finish line but never could catch him. In spite of the disappointing 4th place finish, owner Penny Chenery and trainer Lucien Laurin, along with the Meadow Stable crew, must have seen something special on that Independence Day. Twelve horses were entered into that race on that day at the Aqueduct Race Course. For those who don't know this, a maiden race is a race where all the horses are non winners. Not only were these twelve horses non winners but five of them had never even been in a horse race. While this race was viewed as a learning experience for the young Secretariat, it more than showed what he was capable of doing. In this race Secretariat was a 3-1 odds to win. Ironically, this was the longest odds he would ever go off at in his whole career and it was only time that he ran a race and didn't win, place or show. Even though this was a maiden race the stands were packed on this day. For true racing fans this was a historical event and one that they weren't going to miss. Of course if you ask people to this day, there will be many more who will have claimed to have been there than actually were on hand. Kind of like Woodstock. Even though Secretariat didn't win his first race, his winless career wouldn't last long. Eleven days after his racing debut at Aqueduct he was back at that same race course as the favorite to win. He got off to a shaky start in this race but showed some real power down the stretch. He came out of the gate 6th and immediately went for victory, not pacing himself at all. Unfortunately he didn't break out well and was rushed into contention. He quickly went from 6th to 4th until finally he was first by about a half a length. Around mid stretch he really took command and went on to win the race by four full lengths or the distance of four horses. The rider of Secretariat for his first win was veteran jockey Ben Feliciano. Secretariat had his first of what would be many wins. He didn't disappoint anyone on this day, coming in as the favorite and winning easily. After the race, Secretariat headed for Saratoga Springs, New York. At Saratoga, everyone's eyes were on what was going to become one of the greatest race horses of all time.

Tips for running for local office

What do you need to win a race for a local office? Yes there are photo sessions, lots of handshakes, victory speeches, and hype. Yet what makes running for political office a success are not only those. There is a lot of behind the scenes work that shows off in front of the voters giving you their trust, and eventually, their vote. Let’s look at a few things you can do to improve your chances and make it a worthwhile effort to run for your local political office. Find out the Requirements There is more to politics than what meets the eye; start with doing your homework properly, check the requirements of the position you want to run for and see if you are eligible. Build Votes on Your Actions There can be times when people just get off their daily lives and run for a local election and win easy, those are instances that are too rare to invest in. If you intend to ever have a political ounce in your body, be sure to build your image beforehand. Get involved with organizations, education programs, and local societies. See what people are interested in and get down to the issues. Career Decisions Before you jump into the political life, be sure it is what you want. Will you withstand the pressure that ensues or do you mind people talking about your personal life like their breakfast cereal? If you do, think again, you will end up wanting them to talk of you, but just the good stuff. Personal grooming Looks don’t count when we talk about knowledge and the ability to solve the people’s problems but anyone with political know-how will tell you that good looks, a beautiful wife and cute kids do matter. Your family is the projection of your ‘human’ side, use it well and make the people associate it with you. Learn to Smile Sure it could be covered under the grooming section but it is too important to have a good smile, and a ready wit to bundle it with other things. People want to see an assured leader but they also want someone who has a sense of humor. People want someone who talks of serious things with a demeanor of a problem solver yet is still one who can still smile and laugh. Know your Opponent ‘Know Thyself’ is the popular phrase, but in politics it is just as important to know your opponent. Homework comes in again; keep a track of your opponent’s weaknesses and find out if there is something your opponent wants to keep hidden, it is virtually 99% of the time something that would throw his voters off and you have everything to gain. Bury your Weaknesses Deep It is a two way game though; you have to know when to shut up too. Surely there are going to be times when your have the dirt on your opponent but never get close to what your opponent might get on you. If you have something to hide, you should play the elections clean and to your strengths instead of your opponent’s weaknesses. The Media Newspaper media, radio and television are all your friends. If they are not, make them so. You can not visit every home personally for them to meet you; chances are though that newspapers, radio or television transmissions are watched in every home in your jurisdiction. Be at your very best when the camera points to you. Make sure to know the right answers, stammering in the face of questions is quite the campaign killer. Catchphrases and gestures that win people over and even quotes from the greats are wonderful public campaigning material, and as such, things you should practice before you speak. It is also a great asset for any politician to be quotable. Use short and pithy sentences, give them meaning and yet do not overburden them so the meaning is not lost,. After all, people do want to understand you. Campaign Organizers and Advisers It is always helpful to have people who know how to run a campaign around you. Surely your friends and family can help you at the local level but just be sure to think things through while you are planning; that can be the difference between a haphazard campaign and a meticulous one. Elections at any level require funds; work out your fund raising techniques. What slogans can you work with? Make friends with your catchphrases; work on local issues with local communities that would be happy to lend you a hand if you are able to project their cause well enough. Plus, campaign posters and signs are an important part of your drive as well, make sure you get enough exposure before the voting commences that you are a household name people recognize…and finally, did we say use family, friends and their friends too? Do that!

Como mantener tu salud mental

En los ъltimos aсos la mucha gente se ha dado cuenta de la importancia de una dieta apropiada y acompaсada de ejercicio fнsico. En los pasados 20 aсos sin duda ha habido un cambio en cuanto al estado de salud de muchas sociedades, que ha determinado una mejor calidad de vida. Sin embargo, esto no ha traнdo salud mental que es tan importante como la salud fнsica. Hoy en dнa, la mayorнa de la gente hace de 4 a 6 horas de ejercicio por dнa, y se asegura de que todo lo que ingiere, no tiene azucares o preservantes, pero no prestan atenciуn a su salud mental. Es decir, mucha gente no toma las vacaciones necesarias, ni siquiera en los fines de semana largos. La gente trabaja 60 horas por semana, llevбndose a las casas los problemas del trabajo y trabajando los fines de semana tambiйn. Todo esto con esperanzas de mejorar la calidad de vida material. Pero, їde que sirve todo el esfuerzo cuando el cerebro esta abundado y sientes explotar en la oficina? Al final, la salud fнsica puede sufrir no importa que bien comas y hagas ejercicio. Probablemente tengas alta presiуn, estrйs y tensiуn lo cual pondrб en alto riesgo tu salud. Para ayudarte a evitar llegar a alguna de las anteriores situaciones, aquн te presento algunos consejos para mejorar tu condiciуn mental. Si disfrutas la adrenalina, te recomiendo que pruebes deportes como kite surfing, bunge jumping, y demбs. Si disfrutas andar en motocicleta es muy bueno andar en contra del viento como terapia para relajarse y disfrutar un buen viaje. Buscar actividades que te desconecten de la rutina diaria (la cual a veces puede ser estresante) es la clave principal. Por ejemplo, si disfrutas leer, un buen libro de ciencia ficciуn como "Harry Potter", "Lord of the Rings" u otros pueden ser perfectos para ti. Si disfrutas en cambio mirar pelнculas, entonces comienza con hacerte socio de una tienda de DVDs y veras que bien te harб. Actividades como paseos fuera de la ciudad, visitar viсedos, campos, parques y demбs son esenciales a la hora de relajarse. Si disfrutas las montaсas, todavнa puedes ir a visitar la nieve, esquiar y aflojar tu mente. Las vacaciones, por mбs pequeсas que sean te llenaran el alma con memorias alegres y positivas. Si disfrutas andar en bicicleta, o en patines esas son actividades que te destaparan y ayudaran a sentirte mejor. Siempre es divertido hacerlo con amigos que estйn dispuestos a un poco de aventura. Organizar un grupo grande de gente que quiera hacerlo es una buena idea, que los puede llevar a conocer lugares que nunca creнas que ibas a encontrar. Rнos abandonados, pasajes que estбn cerrados para la gente, bosques y demбs lugares increнbles para conocer. En fin, hay un sin fin de actividades para llevar a cabo si buscas caminos diferentes para mejorar tu salud mental y relajarte naturalmente. No olvides que la salud mental es tan importante como la fнsica y que para tener una hay que tener la otra!

Natural supplements for women s health from nutraorigin menopause

Menopause can go one of two ways. It can be a miserable experience characterized by aggravating menopause symptoms. Or, it can be a pain-free transition that’s barely noticeable. In fact, choosing the right menopause supplement can make all the difference. nutraOrigin, makers of high quality vitamins for women, shares the secrets of natural treatment for menopause. Menopause symptoms: Common but avoidable Every woman experiences her own unique set of menopausal symptoms, which can include hot flashes, night sweats, mood swings, heart palpitations, vaginal and urinary changes, and decreased memory and concentration. Most experts agree these symptoms are caused by low or fluctuating estrogen levels, which throw everything off kilter. But that doesn’t mean a difficult menopause is unavoidable. Between 75-85% of American women going through “the change of life” report experiencing menopausal hot flashes. Yet only about 10% of Japanese women do. Why the discrepancy? It’s all in the diet. Japanese women eat several servings of soy a day, which naturally contain anti-hot-flash substances called isoflavones. American women don’t. Natural Hot Flash Remedies and Menopause Treatments from nutraOrigin MenoBalance Supplement Isoflavones help you get control of hot flashes – but they also provide relief for a whole range of symptoms. How? These phyto-nutrients have the remarkable ability to imitate the biological activities of female hormones. That means that even if your own natural levels of estrogen are plummeting, isoflavones can trick your body into thinking it has enough. Soy is well-known for its natural content of isoflavones, but most of the research studying isoflavones for menopause relief has been performed on red clover. nutraOrigin formulated MenoBalance with a high-potency blend of isoflavones from red clover and kudzu. The formula additionally protects cardiovascular health, with patented Actifolate folic acid and resveratrol; supports bone integrity, due to the synergistic activity of isoflavones and vitamin D; and provides protection to hormone-sensitive tissues, with rosemary and turmeric. Black Cohosh Essentials Supplement Scientists have conducted numerous studies demonstrating the efficacy of black cohosh for relieving the discomforts of menopause, with minimal or no side effects. In fact, one double-blind, placebo-controlled trial found the herb was 47% more effective than conjugated estrogen at beating menopause hot flashes! Cohosh has also been shown to help alleviate headaches, heart palpitations, and nervousness and irritability associated with menopause. The evidence is so strong that the German Commission E (similar to our FDA) has approved black cohosh as a treatment for menopause. nutraOrigin’s Black Cohosh Essentials features 80 mg of standardized black cohosh – four times the amount seen in weaker extracts – for maximum effect. It also includes lemon balm and motherwort, which help reduce stress and anxiety. Nutra Multi Iron-Free Multivitamin Studies show older women are more likely to be deficient in key vitamins like B1, B2, B5, folic acid and D than younger women. That’s why a multivitamin like nutraOrigin’s Nutra Multi Iron-Free is so important. It delivers all the necessary vitamins and minerals needed to create a foundation of health – including 500 mg of calcium – but leaves out the iron, since too much can be harmful to menopausal women. The experts at nutraOrigin recommend taking all three formulas together for maximum synergistic effect.

How different types of water filters work

According to reports around 7 million American people use contaminated tap water for drinking. Now people are becoming more conscious of using filtered water. But many research studies indicate that filtered bottled water is also of tap water quality. There are many conventional ways where people are using filtered water. The following are some of the main ways to get filtered water. 1.Use of water pitchers is a simple, cheap and easy method. You can fill the pitcher with tap water and allow it to filter. But this process takes a lot of time to filter a liter of water. This is not a proper method for immediate use. 2.Use of Faucet Mounted Water Filters is a cheap and convenient method of obtaining filtered water. The filter is connected to a water faucet and by turning the tap, filtered water comes out. The cartridge needs to be replaced every month. 3.Use of under sink water filters is better than the above two methods because the whole setup is closed. For better performance, the filters are to be installed by professionals, as the cartridges need to be used for filtration purposes. The cartridges need to be replaced every six months. For an average person this system is not feasible. 4.Whole house water filtration systems filter every faucet in the home and it is better than under sink units. The cartridges need to be replaced every six months. 5.Use of reverse osmosis water filters is very popular. It is less expensive and more effective. The filter systems are available in the market today. The reverse osmosis water filter wastes 5 gallons of water for every gallon of water filtered. Reverse Osmosis Water filtration system is best among the above because even the smallest particles are filtered out These are some of the choices for obtaining filtered water for your home. You can buy the suitable filtration system as per your requirement. There are lots of websites which sell these water filters, and the rates differ from company to company.

Uk first time buyers turn to overseas property

Beth Collingz, PLC International Marketing Director for Pacific Concord Properties Inc's Lancaster Brand of Apart-Hotels or Condotels in the Philippines said a recent study published by UK National Savings & Investments found 84 per cent of 18 to 30-year-olds believe buying property abroad is a more viable option than buying in Britain. Young people buying abroad and renting in Britain are and will continue to be a growing phenomenon. They generally look at spending less than Ј200,000. This comes on the back of recent reports by Barclays Bank that revealed the number of Britons keen to buy property abroad has doubled to 18,000 in a year. When you consider these facts along with aging population, increased property wealth, Self-Invested Pension Plans and leisure lifestyle aspirations of the populous it is easy to see why many shrewd property investors are looking for better lifestyle and hassle free overseas ownership and why many advisors are looking aside from the traditional UK buy to let and Spanish holiday let for property options for Condotel Investments in the Philippines. Collingz said: Since the Dollar value depreciated and UK Pound Sterling hit 96:1 on the Philippine Peso, my phone has been very busy with buyers from the UK interested in purchasing investment properties and holiday homes here in the Philippines. A lot of this interest is being driven by relatively cheap market prices in the Philippines compared to Europe, especially UK Housing prices, and easy payment options available for our Condotel Developments, but there are other factors, too. Offshore Property Investors, Foreign baby boomers as well as overseas Filipinos, are looking for ways to maximize their return on investments as they approach retirement, and so are purchasing second homes, particularly Condotel Investments where they can use the Condo for vacations and rent it out through In-House Management when not using the unit thereby gaining rental incomes that on today’s purchase prices, give a projected ROI on their investments of some 8-16% depending upon the mode of payment for the unit. Collingz, who also runs PLC Global Pinoy, an internet based marketing network specializing in Condotel Investments, indicated more than 85% of all sales in Metro Manila were to international clients. These international buyers know it’s a buyer’s market in the Philippines right now - there are a lot of properties available and fewer local buyers, Collingz said. I’m working with clients who are purchasing their second property with me. We also have referrals from many of our prior customers and new clients who have found us through our Web sites, lancastersuites and plcglobalpinoy which include a special section for international buyers. Another major driving factor in overseas property investments from the United Kingdom is UK Tax Payers taking advantage of tax incentives and Investing their Self-Invested Pension Plan [SIPP] In Philippine Condotel Investment Real Estate for Rental Income and Retirement said Collingz. A Self Invested Pension Plan [SIPP] is a personal pension plan but with one very significant difference: administration is separate from investment content, giving the plan holder freedom to choose for himself and change the investments within it. The long-awaited rules on what savers can include in their personal pension plans were unveiled in April 2006 by HM Revenue & Customs. The Guidance Notes confirm that the Chancellor is permitting Self Invested Pension Plan [SIPP] holders to invest in hotels such as the Lancaster Brand of Condo Hotels in the Philippines. The only stipulation is that SIPP holders may not stay in their rooms. With more nights available for paying guests, this not surprisingly increases the room owners' returns. It is estimated there are now more than 70,000 plans holding over Ј14bn. A year or so ago, few people in the UK realized that they could manage their Pension Plan portfolios themselves, and even fewer knew that they could invest their SIPP retirement money in homes in the sun which now prove to be among the most popular potential investments to include in a SIPP If you’re considering using your SIPP to invest in real estate, there are some excellent reasons that you should choose Philippine Condotel Investment real estate to drive your retirement portfolio into high profit margins. The Philippines is ideal for this type of investment because a SIPP can establish title to a property in a country whose legal framework recognizes trusts and a SIPP is simply another form of trust. Investing in foreign real estate is neither as risky nor as tricky as a lot of people would have you believe. While land and housing prices in the U. K. have soared astronomically in the past decade, the world real estate market is a far different story. It’s still possible to buy a preconstruction Condotel suite at Lancaster The Atrium located in Metro Manila, Philippines, for less than GBP Ј25,000.00 The beauty of holding property in the Philippines is the low cost of property taxes and maintenance. A GBP Ј25,000 Condotel suite will only set you back GBP Ј100 in property taxes per year, and maintenance costs are similarly low. When you add in the tax-protected status of investments made in your SIPP, annual off plan property appreciation and the 8-16% returns through rental income through the Condotel advantage, you have an incredible ROI on a purchase of Philippine Condotel investment real estate enthused Collingz. With preconstruction property in the Philippines appreciating at some 20% per annum not only do real estate investments look good but the rental income return in the Country is in excess of what many Pension Plans offer for the same or similar investment. Many new investors are looking to replace failed pension plans and other future saving schemes with a solid investment in Real Estate. Clients are looking for investments that will give them an income for retirement as an alternative to traditional private pension plans that have failed. Most company pension plans are insufficient as are Government Pensions. Bank rates for Savings accounts are at record lows. Savvy investors are now looking for a more solid investment with potential for monthly income. Condotels in the Philippines fit the bill. Collingz said this potential, high rates of rental returns from Condo Hotel Investments, up to 16% per annum, opens up a huge market not traditionally looked at by Real Estate Agents and Brokers whom all so often run around looking for normal residential profile buyers without looking at the by far bigger picture of investments, investing and retirement. "We’re here to help our clients and advise them of emerging investment opportunities in the Philippines. Self-Invested Pension Plans and Lancaster Condotels, fit this bill exactly. Pacific Concord Properties, Inc., Flagship Lancaster Condo Hotel [Manila] development located along Shaw Boulevard, Mandaluyong City, Metro Manila, is currently one of the hottest Condotel Investments in the Philippines. Lancaster - The Atrium is accepting Reservations for Studio, One, Two & Three Bedroom Suites adopting International Standard Escrow Trust Account Buyer Safe Easy Secure Payment Plans with 6 year interest free payment terms or up to 12 year "In-House" financing available, full condo ownership and minimum monthly maintenance fees, you really should take a moment to look at this Philippine Condotel Investment Opportunity encouraged Collingz. Further info regarding Condotel Investments in the Philippines, Lancaster Suites currently available suites, price and terms of payment can be found on the firms website.

A look at cordless phones

Cordless phones, also known as portable telephones, use a wireless handset in order to communicate with the phone’s base, which is connected to a telephone landline. In order for cordless phones to function properly, they must be used within a specified proximity to the base. Most individuals find that they can use their cordless phones throughout the house or in the yard without interruption. In their earliest days, rotary telephones were common and required nothing more than a connection to a landline. Cordless phones require the same, along with an electrical outlet in order to charge the internal battery. This function is what allows the telephone to operate when away from the base and these batteries are automatically recharged when the phone is not in use. After years of use, the battery may need to be replaced. This can often be difficult on older models, but a compatible battery can sometimes be purchased directly from the manufacturer. In some cases, it may be less expensive to purchase a whole new phone than to replace a battery in the old model. Years ago, there was growing concern about the privacy related to using cordless phones. The potential for conversations to be picked up by nearby baby monitors, radios and other devices was troubling to many. However, the manufacturers of cordless phones have stepped up to increase their security. In order to receive the best privacy, a 900mhz or better cordless phones are recommended. The convenience of cordless phones is undeniable. With their invention, it is now possible to have the telephone with you literally wherever you go. This is especially valuable to elderly people who live alone and need to have a telephone nearby. Anyone who needs to have quick access to a phone will find great comfort in the presence of cordless phones. In addition, the clarity is much greater than the previous rotary models. With a clear conversation and the ultimate convenience, cordless phones have quickly become a staple in every household. Many individuals are selecting the double handset models, which only require one telephone line but allow for two different bases to be located throughout the house. This is especially desirable for the household with only one landline connection, but has the desire for more than one telephone. A dual handset is like having two telephones, but only requires one hookup. With prices starting at $10.00 for basic cordless phones or $50.00 for a dual handset, there is an option for every budget.

Does anybody make money on the internet

There are many sites that will you that you can easily find ways of making money on the internet, but obviously most of these are scams. Of course, making money on the internet is possible, but not in the ways that you are likely to be told. There is no get rich quick scheme that is guaranteed – if someone had thought of the secret to make hundreds of thousands of dollars over night, they would be using it for themselves, not selling it to you for thirty bucks. That is because the way most of these sites are making money on the internet is by profiting off of the dreams of the broke or gullible. Nonetheless, it is possible to make money over the internet. Why, I do it myself as a freelance writer. The internet has several things going for it as opposed to working out there in the “real world”. First of all, you can work from home, which is always very nice. Besides that, there are many other advantages to making money on the internet. You can set your own hours, get money as soon as you complete your projects, and be your own boss. Besides this, if you are good at marketing yourself, the world wide web gives you unprecedented abilities to reach out to other people and make connections or sell your services quickly. However, there is no miracle solution. Just because you don't have to leave the house to make money on line, doesn't mean you don't have to hustle. For me, I work mostly as a freelance writer, so I use several resources to meet potential employers for that work. I use craigslist a lot, because there are so many jobs offered every day that you are bound to quickly discover business contacts that are useful to you. Of course, there are many better resources for making money on the internet, but most of them are connections. You have to develop them yourselves through getting referrals from people you have worked for. Although you often never meet the people you work for face to face, when you make money over the internet, it is basically just like anywhere else in life: it is all about the connections. That being said, it is not hard to start making money on the internet, but it is hard to make your living on it and not just a supplementary income.

09 Have your own voice through creating special reports

Have Your Own Voice Through Creating Special Reports You're probably searching for additional revenue streams to keep your business solid and secure in this contracting economy and uncertain world. Producing specialized content for sale is one of the fastest, most reliable methods of making extra income fast. Writing a "white paper" or a special report, is a great way to set yourself up as an expert in your field, and share valuable information with your prospects. You may already have most of the ingredients for an e-book or special report in your files or archives. Find out which ingredients make customers willing to pay you for material available from other sources, and what elements you should include in your marketing copy to spark their interest in buying now. Here are the steps to take when writing your special report: · Have your end goal in mind before you start. · Do you want to find a way to increase sales, while reducing your cost to acquire those sales? · Who are you trying to impress and what is important to them? · What distribution method will be best? · How many people do you want to impact with this report? · Make sure the layout of your special report looks pleasing, and is very easy to read. · Keep in mind that it’s basically salesmanship in print. · Keep your facts accurate, very brief and to the point. The denser your information, the more valuable and more likely to keep the interest of your reader. · Write an attention getting headline. 95% of your readers will decide if they will read your special report based totally on your headline, so make it great and make it benefit driven. Get it on the web. When emailing others, include your white paper URL in your SIG line of your Email or include the URL when promoting your special report on Email discussion lists.

Planning a trip outside canada a travel tip you simply can t afford to ignore

Your holidays are booked, your bags are packed and you think you have everything you need—money, passport, tickets, and clothing for every occasion. What more could you possibly require? For almost 41% of Canadians who do not always travel with it, the answer is emergency medical travel insurance. Whether simply forgotten or deemed unnecessary, the fact is that travel health insurance should be a must-have before you leave the country. When you are away from home even the most minor injuries or illnesses can become a major expense. So while an accident or illness can happen anywhere at anytime, emergency medical travel insurance helps to protect you from the unexpected costs that can come with a visit to a doctor or hospital outside of your home country. Consider for example the following estimates: A stay in a US hospital typically costs about $2,500 Canadian per day. Even more shocking is that if your condition is serious and you require intensive care, it is not uncommon that you would end up paying about $10,000 per day. If you’re not worried about the costs, because you believe your province’s health insurance plan will cover it, make sure you look into your province’s coverage first. You may be surprised to learn that if your province’s health coverage does extend outside of Canada it will likely be limited. For example, if you are an Ontario resident travelling outside of Canada you will be covered for emergency care from a physician but only for as much as that service would have cost in Ontario. And, if you need to stay in a hospital to receive emergency services you are covered up to $400 per day for intensive, complex care. If it is less intensive, the maximum is $200. Why risk it, when emergency medical travel insurance is so inexpensive? There’s a good chance you’ve spent hundreds, if not thousands of dollars on your trip. For a few extra dollars, you can protect yourself by ensuring you get the attention you need, when you need it while not having to worry about how your emergency treatment will get paid. The following travel health insurance quotes can be found easily online and show how little emergency medical travel insurance actually costs: • For travellers aged 16 to 40 years, emergency medical travel insurance is available for as little as $15 for a 2 week trip—or for as little as $26 for an annual travel health insurance policy that covers you for every 2 week trip you take in a year. • For travellers aged 41 to 55 years, emergency medical travel insurance is available for as little as $15 for a 2 week trip—or for as little as $27 for an annual travel health insurance policy that covers you for every 2 week trip you take in a year. • For travellers aged 56 to 59 years, emergency medical travel insurance is available for as little as $21 for a 2 week trip—or for as little as $28 for an annual travel health insurance policy that covers you for every 2 week trip you take in a year. Quotes are for single and annual trip emergency medical insurance for a resident of Ontario travelling overseas or to the US. Without emergency medical travel insurance, an illness or injury could not only ruin your vacation but would likely have financial consequences for years to come. Why risk it when emergency travel health insurance costs so little and can save you so much? Not to mention the peace of mind it will give you knowing you're covered. Don’t leave home without travel health insurancepare emergency medical travel insurance quotes online today and get the coverage you need for your travels. It is a travel tip that could save you thousands of dollars.

How to trade stock timing is everything

The following article lists some simple, informative tips that will help you have a better experience with how to trade stock. Aim for the best timing in stock market trading. It is the only option for a successful stock market investor learning how to trade stock. In order to raise capital and invest in the business, companies issue their stocks and the public may then buy and sell. The price varies depending on the supply and demand. This is what a stock market trader takes full advantage of. The business of stock market trading can offer better profits to the investor compared to ordinary stock enterprise. The stock market offers a wide variety of stocks to choose from for any investor to go on with stock trading. There is always a moving stock out there amongst the thousands of others registered. However, a careless attempt to proceed with stock market trading can produce undesirable result. Big losses can be incurred if the market trend is not properly predicted. Small profits would also frustrate the purpose of doing stock market trading. An uninformed stock trader may also end up waiting for that decisive moment that would never come. Market Timing The more authentic information about how to trade stock you know, the more likely people are to consider you a how to trade stock expert. Read on for even more how to trade stock facts that you can share. To avoid the adverse effects of poor stock market trading, investors use market timing to forecast when the market will change its course. Market timing presumes that the decisive point can be predicted ahead. The direction of the market is predicted through a thorough examination of the price and economic data. Best Timing The consistency of such trend prediction is subject to many factors, that is why the aim of any would-be successful investor is best timing. At first glance, market timing sounds like a guaranteed way to make it big. This however requires exertion of considerable effort and persistence in carefully studying the various factors this is the proper way to learn how to trade stock. Avoid mere speculating. Speculating is a desperate move when the investor hasn't done his homework. Investors also buy stocks because they got a hot tip from someone. Most of these tips however prove to be false, as they are mostly given by parties with vested interests. Market timing requires involvement in research to know the company's history and calculate the trend by charting the movement of the stock’s price. This involves analysis of the value of the stock to come close to accurate in predicting the trend. This is ideal in developing standards for when to buy and when to sell for the investor must accurately settle on the proper time to sell. One must also correctly determine when to regain, reselling the stock bought when it reaches its peak value. This way, the maximum profits can be realized. Is there really any information about how to trade stock that is nonessential? We all see things from different angles, so something relatively insignificant to one may be crucial to another.

A short history of herbs

The world of today is a world of progress, no one doubts about that. We have managed to do in 200 years of continuous industrial revolution, what we couldn’t do in thousands and thousands of tumultuous history. And yet, with all these technological breakdowns and synthetic substances, artificial food, not to mention the reign of King Plastic, some people still find the power and the wisdom to ask themselves how people in the past remained healthy and fit without nutritional supplements, drugs, even antibiotics. Their secret was that that they used what Mother Nature gave them: the plants to cure themselves. Fortunately, this knowledge hasn’t been forgotten; even if they’re not so widely used, plants have found their place in our civilization. The story begins thousands of years ago, before the recorded history, when man didn’t know how to write or read, but knew how to follow their instincts. They discovered that certain herbs could alleviate their pains, others could make a wound disappear and others could even kill them. In the course of time, societies developed and with them appeared the means to transmit their knowledge other than orally. 5000 years ago, in Ancient China, people used rhubarb (Rheune palmatum) as a purgative without knowing anything about the actual active substances they contained. Also, they used Ephedra to treat asthma, even though the substance called ephedrine was discovered much later, in 1887 AD. All oriental ancient civilizations had their insights into the fascinating world of botany, as plants were one of the few elements to which they could resort to heal themselves. The famous king Hammurabi of Babylon (18th century BC) recommended mint to cure constipation and other digestive disorders. Mesopotamian doctors considered that the best time to take a herbal medicine was at night or early in the morning, a principle which is confirmed nowadays by modern studies. The Indians had an entire system of rules, prescriptions, remedies and practices, called Ayurveda, many of which involved the use of plants. They also had strict rules about when, by whom and from where the plants should be collected People in Ancient Egypt knew and used the castor-oil plant, wormwood, saffron and oregano to heal and disinfect wounds; they also put coriander in their tombs so that the spirit will remain healthy in his afterlife. There are written records of their use of garlic (especially for the workmen who built the pyramids), indigo, mint and opium. The Greek and Roman civilizations have made a major contribution to the medical science. Although much of their studies stemmed from other cultures (Mesopotamian, Egyptian), they added precious information and, in time, they became more and more concerned about the diseases and cures as natural and realistic processes, rather than spiritual or magical. Physicians like Hippocrates, Dioscoride and others have recorded their discoveries; their works would enlighten the pre-medieval civilizations for many centuries after their death. Dioscorides wrote De Materia Medica (1st century AD), which contained a list of hundreds of medicinal plants, along with their description and curative qualities. The Dark Ages met with a lack of any further recorded herbal studies; the knowledge was probably transmitted from generation to generation – parents taught children, monks, even herbalist taught apprentices. However, there lived a great Persian physician by the name of Avicenna (Abu Ali al-Husayn ibn Abd Allah Ibn Sina) who wrote one of the most famous books in the history of medical science: The Canon, which also contained information about how plants should be used and their properties. In1527, the Swiss thinker Paracelsus demonstrates that only a small part of the plant has an effect upon the human body (1g per 20 kg of plant), which is what we now call active substance. Later on, scientists have developed methods to isolate these substances. However, the first complete categorization of all known medicinal plants was printed in a book called Theatrum Botanicum by John Parkinson in 1640 AD. In 1649 Nicholas Culpeper pulished A Physical Directory, which is considered one of the best herbal pharmacopoeia manuals still quoted today. As chemistry as a science developed, physicians started to use more and more widely synthetic medicines, such as aspirin, which proved to have side effects. Yet all pharmacists and drug producers confirm the fact that, unlike artificially synthesized substances, medicines extracted from plants are more accessible to the metabolism and friendlier with the human body.

Affordable cars priced from under 15k

: Are you looking for a new car? If you are, there are several models available to you for under $15,000. Twelve are mentioned here; thirteen if you include the Nissan Versa to be released later this summer. Increased competition has made this a great time to buy a new car so compare, shop, and save! Chevrolet Cobalt – With an MSRP of under $13,000, this Chevrolet model is one of the lowest priced cars manufactured in the U. S. A competitive price when you realize that few new car models are priced so low. If the Cobalt price still isn’t low enough for you, then Chevrolet also markets the Aveo, a vehicle GM imports from its South Korean subsidiary Daewoo. The Aveo retails for just $9890! Ford Focus – Retailing at $13,990 the Focus is the lowest priced vehicle sold by “blue oval” in the U. S. Not cheap enough for you? Special incentives on the ZX3 version of the Focus can lower the price by as much as $3000! Honda Civic Coupe – It is getting increasingly difficult to find a Civic under $15,000. Why is that? Well, Honda has been gradually pushing the Civic up market in a bid to compete against the Nissan Sentra and Toyota Corolla.

Don’t worry, Honda is about to release a car even smaller [and cheaper] than the Civic: the $12,000 Fit will be in Honda showrooms later this year! Hyundai Accent and the Hyundai Elantra – Leave it to Hyundai to have two vehicles in its line up that sell for under $15,000. Starting at just $12,455 the Accent GLS is bargain basement, but not stripped. The car comes with four wheel disc brakes, 8 way adjustable driver’s seat, and ABS. The Elantra is slightly up market and retails for about $1300 more than the Accent. Kia Rio and Kia Spectra – With an MSRP listed at $11, 110 the Kia Rio is the lowest priced four door car sold in the U. S. Recent upgrades for the model include several safety features: six airbags, impact-absorbing steering column, front and rear crumple zones and side-impact door beams. Select the Spectra for a car that is better appointed and larger than the Rio. Saturn ION – Base models of the little car from Tennessee currently are retailing around $13,500, but that price may drop later in the year as GM seeks to move several slow selling cars including the ION Toyota Corolla – Always competitive, the Corolla is priced at $14,105 and is considered by industry leaders to have the highest quality amongst all small cars on the market.

A lower cost model, the Echo, has been discontinued but a new model, the Yaris, will appear later this year and retail for about $12,000. Scion xA and Scion xB – Two of the three models sold by Toyota’s Generation “Y” division, Scion, are priced under $15,000. The xA starts around $13,500 and the xB sells for about $1000 more than that. So, are the days of finding transportation under $15,000 soon to be behind us? On the contrary, with the 2007 importation of cars from China the under $10,000 category will soon have new life as cars from Chery and Geely hit U. S. showrooms pushing new prices down to as low as $6600! As a result, Ford, Dodge, and others are looking at ways to build and import cars overseas or in Mexico that will sell for much than current base models.

Effective solutions for sufferers of hirsutism

The condition known as hirsutism can occur for a number of reasons, and this is where women can suffer excessive hair growth on the face or body through causes such as medication side effects or hormonal imbalance. Although the effects of this condition are purely cosmetic, it can have a profound effect on the woman’s life in terms of confidence and stress levels. Anyone that suffers from this condition will know just how stressful it can be to deal with excessive unwanted hair growth, and this is why it is important to look into the different ways of dealing with this problem. Because of the effect that this problem can have upon your general well being in terms of confidence and stress, ensuring that you get treatment for it can also add to your general wellness, making you feel far better in yourself. And with a wide range of solutions available, you can find the treatment and method of hair removal that best meets both your needs and your budget. Where can you get this hair removed? You have a couple of choices when it comes to having some sort of treatment for the removal of this hair growth. If you are not accustomed to using hair removing products then you may wish to go through a beauty salon to start off with. You can find specialist places that deal with the removal of hair on both the face and body, from the upper lip or chin to the female pubic hair area and more. The type pf removal method you opt for will also determine where you have the treatment done – for instance you will find specialist salons and clinics that deal with electrolysis and laser hair removal if you decide to go with these methods, whereas with shorter term methods such as waxing and sugaring you can treat yourself in the privacy of your own home. Where you have the treatment done is largely a matter of personal choice; many people prefer to go through a professional to get the hair removed whereas many other prefer to do this themselves in the comfort of their own homes. Dealing with this problem doesn’t have to be expensive With so many different methods to select from, you don’t have to break the bank in order to deal with this excessive hair growth problem. You can opt for low cost solutions such as getting the areas waxed, sugaring, or using depilatory creams and lotions, all of which can provide shorter term relief from unwanted hair. If you have a busy pace of life and don’t feel that you have the time to keep using these shorter term treatments then you may want to look into longer terms solutions such as electrolysis or laser hair removal, which may cost more but will mean less hassle for you and far longer term results. The method you opt for will depend on both your budget and your needs, but you will certainly not be short on choice when it comes to getting rid of this growth.

Top 6 facts you should know about your new motorcycle

Often experienced motorcycle riders who trade in an old bike for a brand new set of wheels find that they fall prey to an unfortunate set of statistics that occur along with new machines--more motorcycle accidents happen on new equipment than on old faithful rides. Don't assume that 100,000 miles on your old bike means equally capable handling of your new set of wheels. Instead, take the time to learn some facts about your new motorcycle. Low Speed Handling If possible, find a deserted level parking lot that has a relatively clean surface. You don't need bumps, slippery stuff, inclines, potholes or other defects or obstacles in order to learn more about your new motorcycle. You need to plan on spending time having fun and getting to know the quirks of the new wheels. Start by doing low speed circles with your eyes on the horizon and practice until you can do a 360 without putting your foot down and with the steering in full lock. This may require some adjustment in the position of the handlebar or the throttle cable in order to smooth the acceleration action. Follow tight circles with tight figure eights, again without touching your feet to the ground until the bike has come to a full stop. Force yourself to be consistent and precise. This will provide even more understanding of the throttle response in your new motorcycle. Acceleration Repeat the previous exercise at higher speeds--both the circles and the figure eights. Keep your eyes on the horizon and your feet off the ground so you learn the feel of the equipment as it corners correctly and consistently. Varying the speed of the engine while you practice these maneuvers will allow you to ride comfortably at highway speeds as well as in city traffic. Cornering Follow this with learning about the bike's cornering limits. Learn to accept the grinding noise without flinching when a floorboard scrapes the pavement. A reflex jerk to avoid the sound of metal on pavement can cause you to steer right off the curve. If you feel more cornering ability is needed, you may need to change the suspension components. Calling a halt Practice stopping at low speed with a hard stop in order to learn the traction on the new tires, the sensitivity of the brakes and how the bike handles with the rear wheel locked. You need to know precisely what to expect in a real life panic situation and the best way to do that is to practice a hard, locked wheel stop especially in a sideways skid. Once you've practiced the rear action, learn about the power of the front brake. Be careful not to overdue front brake activity until you have a clear understanding of how much pressure the crucial front brake will take. Again, you may need to do some adjustments to the brake controls engagement points or positions to better suit your riding and stopping style. Road Work Now is the time to move your practice skills to the open road. Try to pick a relatively lightly traveled section or road that has some open corners so that you can practice cornering at highway speeds. Continuing to practice leaning techniques will help you to know the limits of the bike in every situation. Use a straight road with painted dotted lines and practice swerving the bike between the gaps on the road. If you can find safe stretches with raised dots for lane markers, you will be able feel immediately if you miss the swerve. Once again, in a safe mode, practice your hard stops at highway speeds. Be aware of following traffic before hitting the brakes suddenly and be sure to allow plenty of room in case you overrun your target point. Double Up Each of the exercises above should be repeated while carrying a passenger. Even if you do not carry anyone else regularly, knowing how your bike responds with a passenger is critical in any emergency situation--even in every day riding. Your motorcycle will respond differently, and you should know what will happen before getting on the open road. It's important that your passenger understand what is going to happen so that they don't panic and throw the motorcycle off balance, thereby causing a serious accident. Another advantage of going through these exercises in low or moderate speed and varying the load on the engine is that they serve as a good break-in regimen for the engine. Now that you have your new motorcycle and have practiced the various maneuvers above, you will want to remember that in adverse weather or road conditions, the new motorcycle may not handle the same as did your old set of wheels. Take things really easy the first few times you ride in the rain or in icy situations. If you have the opportunity to practice in different weather experiences, you will have an even better feel for your motorcycle's handling capabilities.

Coffee finding the right grinder

When exposed to air, coffee beans will oxidize. Coffee grounds suffer this more so because they have a larger surface than the beans and lack the beans’ protective skin. Home coffee grinders allow you to stop the level of exposure and produce the freshest grind. Most importantly, grinding can be done when you need it. Everything has a price, though. Picking the best grinder can make the messy and long process of grinding much more rewarding. There are three main types – blade, crusher and burr. The crusher is the ancient way of using a pestle and mortar to mash the beans. This process is difficult and gives an uneven grind because it just crushes them – not highly recommended. Blade grinders chop. The blade whirls, slicing the beans into small grounds – still not the best because the grains are not the same size and not all the oils are released, varying the flavour and dissipating a lot of the flavour. However, burrs use motorised plates with teeth that are pyramid in shape, allowing for the perfect grind. Better burrs allow for varied grain sizes because the speed can be adjusted accordingly. The burr allows for the perfect brew. Speed control keeps the heating of the beans low. Burrs have two categories. Professionals prefer the conical. It is noisy however. Good ones can go up to 500 rpm. Top quality ones go up to speeds of 10 thousand rpm, with their blades spinning at about twenty to thirty thousand rpm. This allows for fine grinds for Turkish coffee, for example. Some come with a dial for continuous speed adjustments. Others have buttons for some varied 40 different speed adjustments. Beyond that you should look for ones that are solid in construction, easy to clean and preferably less noisy. They should also include a brush for cleaning and easy to remove upper type burrs (blades). Beware of construction materials that cause static electricity. This can let the grounds stick to the blades and the container. Other useful features include a timer and an auto-switchoff. It also helps to be able watch the beans as the grinding takes place. Without this you cannot decide if the grind is ready. So, try to find one that doesn’t use glass or darkish plastic as this hinders your view. You should be able to judge the grind by its colour, but if you cannot see them then this is a problem. Finally, do your research and read all the reviews you can find about each grinder that interests you before you buy it. When you find the right one, you will be pleased with the fresh and flavoursome cup of coffee you produce.