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Top Five Tips For Maintaining Optimal Nutrition

Secretly we all want just a few things in life, none the least of which is to live a life that is healthy and energetic. One way to accomplish this is to eat a well balanced diet that fuels the body to take on life’s challenges.

Did you know that one of the best things you can do to improve your overall health and well being is to eat a diet that is well rounded and nutritious?

Diet can make the difference between feeling great and feeling just o.k. But how do you know which foods will propel you to health and well being?

Proper nutrition is easy. In fact, all you need to do to ensure your health and well being is follow five simple steps, outlined below.

Top Five Tips for Maintaining Optimal Nutrition

– Eat a well balanced diet. This means you have to incorporate foods from each of the four food groups.

– Adopt the phrase moderation. At no time should you consider some foods ‘bad’ and other foods ‘good’. Rather, all foods can be nourishing if they are eaten in moderation. Chocolate cake will not make you fat if you don’t eat it every day for dinner!

– Take a multi-vitamin. Even the healthiest dieter may not get all of the vitamins and nutrients they need from diet alone. Why? Our bodies aren’t always able to absorb nutrients efficiently from the foods we eat. Thus it is important to take a multi-vitamin and mineral supplement daily.

– Get enough sleep. Sleep deprivation can wreak havoc on your diet, and even contribute to weight gain.

– Exercise daily. Even 10 minutes of routine exercise can help your body maintain its peak fitness level.

Excessive consumption of alcohol can also wreak havoc on your diet. Alcohol inhibits the body’s ability to absorb vital nutrients, such as calcium. In addition, alcohol in the evening can interfere with your sleep cycle.

Other things you can do to improve you nutrition include incorporating lean proteins and fish into your diet. Fatty fishes including salmon provide key nutrients called “essential fatty acids” which help your brains ability to function properly.

Nutrition is a choice. For you to be the healthiest person you can be, it is vital that you make choices that are good for you and your well-being.

In 1948, the World Health Organization (WHO) defined health as a “state of complete physical, mental and social wellbeing, encompassing the ability to achieve full potential, deal with crises and meet environmental challenges.” In other words, health — or wellness, to use a trendy term — is the capacity to undertake physical effort, to live within one’s own potential and carry out tasks with vigor and alertness, leaving enough energy for unforeseen emergencies. The more recent Ottawa Charter for Health Promotion goes further, suggesting as fundamentals for health: “peace, shelter, education, food, income, a stable ecosystem, sustainable resources, social justice and equity.” For example, people can’t easily stay healthy if they’re starving, if the air is polluted or during wartime.

Today’s key buzz words are “disease prevention” and “health promotion”, rather than trying to “treat the symptoms of illnesses” (as is practiced by most medical practitioners nowadays) that are largely preventable. Unfortunately, despite lip service, prevention is often a hard sell as it takes both personal and community action. Yet studies show that even a few words of advice from health professionals can often help to prevent disease by motivating people to modify their lifestyle.

Do you exercise every day? If you want to live a long, healthy life, maybe you should.

A recent study by Timothy Wessel, a physician at the University of Florida, indicates one of the strongest risk factors for developing heart disease is inactivity – even more so than being overweight. During the four-year study of 906 women, Dr. Wessel documented those who were moderately active were less likely to develop heart disease than sedentary women, no matter how much they weighed. The study concluded: “These results suggest that fitness may be more
important than overweight or obesity for cardiovascular risk in women.”

In January, the updated U.S. Dietary Guidelines strongly urged that everyone should take part in “at least 30 minutes of moderate-intensity physical activity” on most days, above whatever activities they do at home or work. To loose weight or to avoid gaining weight as we age, 60 minutes of daily moderate to vigorous exercise is recommended. And those who have already lost weight and are attempting to keep weight off need 60 to 90 minutes of daily exercise.

A study of 9,611 adults by the University of Michigan Health System, found that people in their 50s and 60s who participated in daily exercise were 35 percent less likely to die within the next eight years than their inactive couch potato counter parts.

Convinced that it’s time to add exercise to your day?

The Basics — Make Exercise a Life Priority:

– If you’re not used to exercising, check with your doctor before beginning any strenuous fitness routine.

– Start slow. If 30 minutes of exercise is too much, start with 15 minutes and add a few minutes each day.

– If you don’t have time for 60 minutes of exercise, break it up into two 30-minute sessions throughout the day.

– Schedule a specific time to exercise everyday – then keep to your schedule!

– Take part in more intense activities that can improve your heart health, such as: running, dancing, swimming, cycling, and climbing stairs.

– Find exercise that you enjoy. You will be more likely to continue and improve your daily performance if you look forward to a favorite activity.

– Wear proper clothing and footwear. This has two functions. Clothing and shoes that are suited to your activity will enhance performance and offer the right kind of support for your body and feet. They will also place you in a better frame of mind for exercise. When you wear your favorite running outfit and slide into your special running shoes, your mind says “it’s time to get out the door and put my feet in motion!”

– Add everyday activities to increase your overall fitness level, such as gardening, housework, walking to the store, take the stairs instead of the elevator, and raking leaves.

Healthy Nutrition For The Golfer

When it comes to golf, many people tend to see it as a relaxed, laid back type of sport. Playing a few rounds of golf sounds like a chance to have an afternoon off, living the good life and bonding with your friends. However, for those people who take their game a little more seriously, they know all too well that there is more to golf than originally meets the eye.

In order to play a good game of golf, you need to ensure that you are fit and healthy. This means you should be taking part in regular exercise and eating a healthy diet. It is impossible to be at your best if you eat a diet of junk food. Healthy nutrition is something which many people do not associate with golf and that is why there are so many amateur golfers out there who are not playing as well as they could be.

Why Healthy Nutrition Makes a Difference

The body needs a good diet and regular exercise in order to stay healthy. It is common sense and it is a fact which has been pushed onto us for the past few years. If you are an athlete it is even more important to keep the body strong and healthy as you will be pushing it a lot further than the average person would. A good diet will enable you to play a better round of golf. So what exactly is a healthy diet?

Ideally, a good healthy, nutritious diet will include:

* Water * Snacks such as nuts and dried fruit * Protein * Supplements * Carbohydrates * Foods very low in fat

Often when we think we are hungry it is actually dehydration and what we really need is water. So by drinking plenty of it you should not feel as hungry and therefore you will not overeat. Another benefit to drinking water is that it will keep your body hydrated throughout your game. If you start to become dehydrated then you will not be able to concentrate as well as you should. So drinking plenty of water is a must for a healthy diet.

Foods containing carbohydrates and protein are also really good to keep the energy levels up. Chicken, fish and pasta are all good for a golfer’s diet. Carbohydrates will release energy slowly which is what you need when you are playing golf. However, it is also important that you do not eat a heavy meal before you go out on the course. Eat something light before you play.

A good diet is important for all golfers. It helps to keep you active and to keep your concentration level up at the same time. If you find you need a few snacks then try some fruit. Fruit will release energy slowly and is ideal for any golfer. If you eat well your game is sure to get better so just stay away from fatty foods and eat a little healthier whenever possible.

Myths About Healthy Eating

As you may know, not fueling up with the right nutrients can affect how well your body performs and your overall fitness benefits. Even though
healthy eating is important, there are myths that hinder your performance if you listen to them.

Below, you’ll find some myth busters on healthy eating.

1. Working out on an empty stomach.
If you hear a rumbling noise in your stomach, the rumbling is trying to tell you something. Without listening to them, you are forcing your body to run without any fuel. Before you exercise or do any physical activity, always eat a light snack such as an apple.

2. Relying on energy bars and drink.
Although they are fine every once in a while, they don’t deliver the antioxidants you need to prevent cancer. Fruits and vegetables are your best bets,as they are loaded in vitamins, minerals, fluid,and fiber.

3. Skipping breakfast.
Skipping breakfast is never a good idea, as breakfast starts the day. Your body needs fuel as soon as possible, and without it, you’ll be hungry throughout the day.

4. Low carb diets.
Your body needs carbohydrates for your muscles and the storing of energy.

5. Eating what you want.
Eating healthy and exercising doesn’t give you an all access pass to eat anything you want. Everyone needs the same nutrients whether they exercise or not, as well as fruits and vegetables.

6. Not enough calories
Although losing weight involves calories, losing it too quickly is never safe. What you should do,is aim for 1 – 2 pounds a week. Always make sure that you are getting enough calories to keep your body operating smoothly. If you start dropping weight too fast, eat a bit more food.

7. Skip soda and alcohol.
Water, milk, and juice is the best to drink for active people. You should drink often, and not require on thirst to be an indicator. By the time you get thirsty, your body is already running a bit too low.

Changing how you eat is always a great step towards healthy eating and it will affect how your body performs. The healthier you eat, you better you’ll feel. No matter how old you may be, healthy eating is something you should strive for. Once you give it a chance, you’ll see in no time at all just how much it can change your life – for the

Health And Nutrition

Simular to the man who defined love as “not beating your wife,” nutrition is as much a matter of what not to do as what is right.
Nutrition is the science of keeping the body properly fueled with the correct foods.
Although eating should also entail the idea of pleasure, the Main importance of food is to keep the body cells healthy. A cell cannot distinguish whether the protein it receives came from filet mignon or from beef stew; neither can the cell appreciate the gastronomic artistry of a four-layer cake piled high with frosting. In fact, if the cell could speak our language, it would probably shout, “For your health’s sake, stop choking me with all those sugars and starches and send me more protein. It’s not carbohydrates that make me happy, it’s amino acids!”
Because our cells were created in the understanding of the “do’s and don’t’s” of good nutrition, it is about time some basis of understand­ing is reached between the mind that selects and puts together the food and the cell for whom the food is intended. Most of us would have nothing but the most genuine compassion for a child before whom anunknowing mother would place a meal of ham, fried potatoes and strong espresso. Yet the things we do to our cells nutritionally make this gross ignorance look humane by comparison!
Proper nutrition is not as dreary a prospect as I once heard it defined by one teen-ager to another. “Nutrition,” said the all-know­ing teenager, “means giving up everything you like—sodas and hot dogs and stuff—and cramming down spinach and carrots.”
Quite the opposite, nutrition can be a exciting study. And certainly it should be one of great interest to everyone, since it is so personal. I cannot eat for you; that is one function each one of us must carry out for himself. Although we may have to depend upon other people to grow our food and to cook it, getting that food to the body cells—its ultimate goal—is something no one else can do for us. That is why it is neccessary for everyone to have at least an rudimentary knowledge of what constitutes good nutrition. Eating is far more than grabbing a bite to quiet a growling stomach. Like everything else, nutrition has its commonsense side – and your health hinges on it!
The greatest way to simplify a complex subject is to introduce it to you through its Key characters. Simply, these are proteins (amino acids), carbohydrates (sugars and starches) and fats which, in turn, reduce to vitamins and minerals.
Water is also an essential component of nutrition, although you may be accustomed to thinking of it as only something to appease thirst, or to fill a bathtub! In fact, it is the most important element of the puzzle. Consider this: a healthy person can live for up to 8 weeks without food but only 3-5 days without drinking water

Teenage Nutrition For Autistic Young Adults

Nutrition comes primarily from what a person eats and drinks. Some people supplement their nutrition by taking vitamins. Autistic teenagers, as well as teenagers without autism, need healthy nutrition and a level of exercise that is very important to meet the demands of their growing body.

The best nutritional plan for everyone is to eat a healthy variety of foods at the proper portion throughout the day. The amount of food a person needs will vary depending on their level of activity. An active person, such as an autistic young teenage adult, requires a higher caloric intake to meet the demands of their body using up that energy faster. A less active person, needs proper nutrition in smaller amounts. This will decrease the risk of these extra calories being stored in their body as fat.

Many young boys have a period of time when their body rapidly grows. During this time the teen may have an endless appetite. Boys have a growth spurt beginning at ages 12 to 13. This growth peaks around age 14 and usually ends at about age 19. During this time their hormones change, and their muscles, bones and even their brain continues to grow. It is not uncommon for a teenage boy to gain between 37 and 40 pounds during these years. Some of this weight varies depending on how tall or muscular they become.

The food should be a good balance of vitamins and minerals. Their bones need a good source of calcium. Most people get their calcium from drinking low fat milk (1 or 2%), through orange juice with added calcium, and low fat cheeses (mozzarella string cheese is a favorite for many.) Dairy products not only provide calcium they are also a good source of protein. Milk is a good source of vitamin D.

Snacking is important to maintain the energy supple the body needs. This also helps prevent the teen from becoming overly hungry between meals that can lead to over eating at mealtime.

Protein is supplied by meat, poultry, fish, dry beans, eggs and nuts. When cooking meat it is best to either bake, broil, or grill. This decreases the fat content.

Vegetables supply the body with vitamin A and C, and minerals like iron and magnesium, also fiber. Be sure to have good color variety, light ad dark green, yellow, red, orange, white and purple.

Fruits provide vitamin A and C and potassium. Avoid canned with HEAVY SYRUP because of the high sugar content. Again, have a variety of colors, red, yellow, green, purple, orange, blue.

Grains provide energy in the form of complex carbohydrates, vitamins, minerals and fiber. This can be found in breads, cereals, rice, pasta and nuts.

During the daytime PAY ATTENTION TO THE SERVING SIZE on the labels. This is a good guide. It is also helpful to eat the majority of your foods earlier in the day rather than late at night. During the daytime we are more active and the use of calories for the energy needed throughout the day seem to wear off sooner than at night.

Autistic young adults may take certain medications to help their brain function the best it can, this adds the challenge of maintaining a proper weight. The medications tend to add weight so it is best to help them with a healthy nutritional plan and regular exercise. It may be an excellent idea to discuss with your physician or experts in this field.

Exercise on a regular basis is important to everyone. It not only helps with weight control, but also keeps our bodies flexible. Exercise provides strength to our muscles/bones, helps us calm down and think clearer, breathe better and in general feel good. This applies to autistic teenagers as well.

Making the Most of The Outdoors: Decks

With spring approaching, many of us are dying to get outdoors, some of us are itching to refinish our wooden decks and others of us are resisting the urge to rush out and plant our seeds too early!

Decks usually need re-finishing every three years or so, and it will soon be dry enough to make a start. Preparation of decking (or any exterior wood) is very important. Wood is more prone to difficulties than other materials are and it must be well protected from the elements, particularly direct sunlight and heavy rain.

Decks cannot be finished until the weather is quite dry; this is because the deck wood needs to be completely dried out before applying sealers etc.

If you decide to re finish your deck, you will need to do it in two stages; first there is the stripping and cleaning and then there is the finish – either paint or stain. All decks need to have water repellant and preservative applied to them, preferably not by spray but by hand painting. Even redwood and cedar need a water repellant.

Common problems include flaking paint, mold and discoloration, usually from exposure to the elements.If you find isolated patches of flaking paint you can scrape and sand it off and simply re-prime it then paint it over.

Mold will usually indicate moisture from somewhere, so check your down pipes or see if your gutters are full of leaves. This can be remedied by washing the wood with a fungicide and then once you are sure it has been rinsed off and dried properly, apply primer and paint.

In some cases there may be mold or rotting wood from termites, in which case cut the wood, burn it and replace. Keeping the paint jobs up to date is often a deterrent for termites. Bare wood soon turns gray but the color may be able to be brought back with wood cleaner and then you can apply a natural finish.

Bad cracks need to be filled with filler that has some flexibility before priming the area and repainting. When you apply stripper, roll the stripper onto the deck (water based stripper will not harm plants) and force yourself to wait 20 minutes.

Use a garden hose to wash off or a power washer. (Note: if you use a power washer you may have to sand the wood afterwards to get rid of the fuzzy effect from the friction of the washer.) After two or three days to let it dry you can finish off the prep.

If you are using paint, the higher the price – the better the quality, the words premium or quality may be an indicator. Of course, you will pay more, but how long does it take you to paint a deck? Maybe you will save yourself extra labor time if you do not have to repaint it for five years instead of three. Look for water repellant qualities and UV blockers.

Some painters recommend two coats of primer sealer and one of top coat and some recommend two coats of top coat and one of primer! It would seem that one or the other of the paints better have two coats! Using a quick drying self priming alkyd paint is ideal.

If you want to go with staining, a stain that is heavy bodied will show up the grain but not the texture, whereas lighter bodied will still show the texture. Coat the stain with a sealer once it is dry, one that says it is ‘non chalking’ to avoid your finish being rubbed off with wear.

A protective finish will make your work last longer no matter which effect you are going for. If the deck is new remember to let it weather for a month or two so that it will better absorb the stain; also seal any knots in the wood before you primer.

Investors – How To Buy a House For Your Rent To Own Inventory

First and foremost, this article is for investors. As an investor, you should not (must not) have any emotional ties to any of your properties. You are in this business to make a fair and honest profit, and you will sell your home(s) when it makes sense to do so. Your goals should be to buy low and sell high, generate a positive cash flow while you own the house and use as little of your own money as possible. OK, so now how should you go about buying a house for your rent to own inventory of homes?

Location: Stay in your comfort zone. If you are not familiar with the laws and regulations in other states, stay in your home state. If you must “touch and feel” (see) your properties, stay within a comfortable driving range. If you are not comfortable with certain types of neighborhoods, whether it be an urban blight area or upscale posh area, don’t go there. There are plenty of opportunities in your comfort zone. All you have to do is find them and BE PATIENT.

Buy low: The best way to do this is to find a motivated seller. Here are some obvious (and some not so obvious) ways to find that seller:

1. Search the MLS listings in your preferred location(s) for properties that have been listed for more than 90 days.

2. Check public records for foreclosures and/or tax delinquencies.

3. Read the obituaries in your preferred location(s). There might be a house in the estate that must be sold.

4. Check public records for divorce filings. Many times a house must be sold to satisfy a Judgment.

5. Advertise in local newspapers and on the web (for example, place a free wanted ad on JSC Rent To Own Homes).

6. Look for a high growth area where builders are extremely active. You will discover there will be people who are unable to sell their home because the builder incentives are capturing all the qualified buyers. These neighborhoods are usually very desirable, and there are motivated sellers unable to sell. That sounds like an opportunity, doesn’t it? Here is your advantage. The person that you will try to find to rent the house after you buy it probably is not a qualified buyer to the builder. Builders want bank qualified buyers. Typically, people who are seeking a rent to own opportunity do not qualify for a mortgage with a bank. All you have to do is have a good renter/buyer lined up to move in to that desirable neighborhood.

7. Let your good renter/buyers find their own rent to own home. If you have a good prospective renter/buyer that is asking for your help (and you will if you do your job properly), give them the opportunity to find their own rent to own home. You have to set the ground rules, and they will think you walk on water. It is strongly suggested you develop a relationship with a good realtor who will follow your ground rules, take your renter/buyers on showings (most homes are listed anyway) and save you the time of doing this yourself.

Bottom line – If you find a motivated seller, you should be able to buy the property below appraised value.

Sell high: In this scenario, sell high refers to the option price you will set with your renter/buyer. Keep this in mind – If your renter/buyer was able to qualify for a mortgage today, he/she would probably not be your renter/buyer. He/she would simply buy a house without your help. Furthermore, the renter/buyer is probably a frustrated renter who wants to be a buyer. In other words, you have a motivated prospect, and that prospect should understand that you are a business person who is entitled to a FAIR profit in exchange for the risk you will take to help them. Bottom line – your prospect is probably not very price sensitive, and he/she will probably accept any fair number. In my opinion, a fair option price should be the current appraised value (not necessarily what you paid for the property) plus an amount equal to the average annual rate of increase compounded annually for each year of the option term. Allow me to explain by way of example:

First, try to keep all of your option terms to one year. It’s to the seller/landlord’s advantage. So, assume you own a house with an appraised value of $150,000 and prices have been increasing an average of 8%. For a one year contract, you should set your purchase price at $162,000 ($150,000 + 8% of $150,000 or $12,000); a two year contract, $175,000 ($162,000 x 1.08 = $174,960).

Positive cash flow: Cash flow is defined as the amount of money you receive per month minus the amount of money you spend per month. Obviously you want that to be a positive number.

1. First let’s look at how to minimize the amount of money you spend per month:

Your mortgage loan: You could put a large amount down to minimize your monthly payments, but that would not be wise. The best thing you can do is find a good lender who is willing to work with you. They are out there. A good lender will realize that you will bring in many deals, and most up front fees should be greatly reduced if not eliminated. Ideally you should be able to borrow up to 90% LTV amortized over 30 years without having to purchase mortgage insurance. You should avoid high interest fixed rate loans. You plan to sell the house in a short period of time so a 30 year variable rate loan with a fixed interest rate period of 3 or 5 years will be much better. In our example, we borrow $135,000 at 5% amortized over 30 years. That is approximately $725 per month (principle and interest) Furthermore we use an additional $300 per month for taxes and property insurance.

The lease: Your tenant is not just a lessor. Contractually he/she has the right to become the owner of the home. As such the tenant should develop a "pride of ownership" attitude and be responsible for most of the minor maintenance issues that arise with any home.

Ownership: Get a good real estate attorney and an accountant. They should be able to explain the advantages/disadvantages of personal versus LLC ownership including liability issues. This will help you determine the extent (and cost) of insurance you will want to have.

2. Now, let’s look at how to increase the amount of money you receive every month:

Here’s a little known fact – Over 90% of all people who enter into a rent to own agreement fail to exercise their option after one year! Do you remember I said to try to keep all of your contracts to one year? Besides maintaining better control of your investments, this little known fact can be hugely advantageous to you, the business person. Now, PLEASE keep this in mind; if you have a GOOD tenant who is unable to exercise his/her option, WORK WITH THEM. You should renegotiate a second year to your advantage, but not one that would force a good tenant to leave.

OK, here’s what you should consider (by way of example).

Using the above example, a reasonable contract might stipulate an option consideration of $8,000 (to be fully applied toward the down payment upon exercising the option) and a monthly rent of $1,100 per month of which $100 will be applied toward the down payment providing that monthly rent payment was made on time. After one year, assuming all rent payments were made on time, the tenant/buyer will have accumulated $9,200 in credits ($8,000 plus $100 per month). One can view the actual monthly rent as $1,000 assuming the option is exercised. If the tenant/buyer fails to exercise the option for any reason, That $9,200 is forfeited by terms of the contract.

To increase your cash flow, offer the tenant/buyer greater credits in exchange for a higher monthly rent. For example, in exchange for $1,300 per month, offer the tenant a $400 rent credit for every on-time payment received. Now, it can be viewed as a monthly net rent cost of $900, and the total equity built would be $12,800. If you present this properly, you can let the tenant negotiate for higher rent payments! You will have a much better cash flow, and there will still be a nice profit if the option is exercised provided you properly purchase the house. If the option is not exercised (90%+ odds it won’t be exercised), you keep all the rent monies paid. But, again, PLEASE keep this in mind; if you have a GOOD tenant who is unable to exercise his/her option, WORK WITH THEM. You should renegotiate a second year to your advantage, but not one that would force a good tenant to leave.

Use as little of your own money as possible: With diligence and patience, you will be able to buy a home for less than appraised value.

Little Ideas That Bring Big Dollar Increases When Selling Your Home

by Dan Pool © 2006

When you’re selling, home price is everything. Your goal is to maximize the amount you get for your home as much as possible. Many people believe that – in order to significantly raise their home’s value – they must perform extensive and costly renovations. While adding a new bathroom or bedroom certainly does increase your asking price when selling, home improvements don’t need to be that dramatic to be of help. Here are several little home selling tips that can bring big dollar increases.

Aesthetics are vitally important when selling a home. For little or no money, you can greatly improve your home’s appearance and, in turn, its selling price. In return, buyers will have a more favorable impression of your residence.

Clean, Clean, Clean

No one will be impressed with a house that is dirty. One of the best (and cheapest) investments you can make is in a thorough spring-season cleaning for your home. In addition to the regular mopping and dusting you do, clean the windows (inside and out), clean carpets, wipe down walls and baseboards, clean fingerprint marks off interior and exterior doors, and sweep the fireplace (if you have one). People are always more inclined to pay higher amounts for homes that look as though they have been well cared for.

Pack Personal Items & Clutter

Once you have cleaned your home to prepare it for selling, home clutter is the next project to tackle. One of the best home selling tips I offer is to keep packing boxes on hand. As you go through your belongings, immediately put items you want to keep into boxes and label them. This accomplishes two things. First, it helps you stay ahead of all the packing you must do for your move. Second, it allows you to keep clutter at bay. Another great use for packing boxes is for spur of the moment hiding places for clutter. If a prospect wants to see your home at the last minute, temporarily toss piles of clutter into moving boxes and close the lids.

Curb Appeal

Another great home selling tip is to increase your curb appeal. When prospective buyers drive up to your home, are they immediately impressed with what they see? A fresh coat of exterior paint, an extensive pressure washing of vinyl siding and some new, inexpensive shutters can really make an impact on buyers. In addition, adding or upgrading landscaping details can be helpful as well. Replace old, faded mulch or pine straw with fresh. Edge your driveway and sidewalk as well as your flowerbeds, and make sure bushes and scrubs are neatly trimmed. These items are a small investment that will pay off with a quicker sale at a potentially higher price.

Single Fee Real Estate Broker

Even greater than the money you can gain with small improvements is the money you can save on real estate commissions. Fees and commissions certainly take away from the amount you earn on the sale, yet most sellers don’t have a plan for saving money in this phase of the process. The best home selling tip I can offer is to use a single fee broker. Single fee brokers will sell your home for free if you agree to purchase your next home through their office. This can save a typical homeowner thousands of dollars in commission fees and is, without a doubt, the best way (and the easiest way) to make more money on your home sale.

Increasing Foreclosure Problem

The recent report released by Mortgage Bankers Association on Mortgage Foreclosure numbers, revealed that at present the mortgage market is involved in the most awful foreclosure crisis in the recorded history. It is almost 15 percent of the sub prime borrowers defaulted and the prime borrowers have started to follow suit. During the last few years, many people with the help of easy credit and adjustable rate mortgages bought big and expensive homes; thinking that when the home price will rise and they will be in profit.

The rate of foreclosure during the last quarter has passed the highest point recorded 54 years back in the year of 1953. The number of sub prime borrowers those who are currently behind on their home loans has increased to 14.82 percent. The homes that are purchased with 2/28 adjustable rate mortgages are under the highest percentage of foreclosure. The credit crunch is not only making mortgage financing tougher but also it also pushing more homeowners towards foreclosure.

According to most recent Mortgage Bankers Association’s survey, the foreclosure crisis is likely to increase in the near future. Since during the last quarter, the foreclosure rates in states like California, Florida, Arizona, Indiana and in few other states almost touched the sky, so it is expected that the foreclosure problem will become worse in the coming period before it stabilizes again.

It is expected that the number of foreclosures and payback delinquencies will rise during this quarter and may be in the next quarter too. Since the mortgage interest rate is rising high once again due to the fall in the home prices, the act of refinancing has become more difficult for the current borrowers those who are not comfortable with their current interest rate and wants to refinance at some lower interest rate.

According to Mortgage Bankers Association, the main reasons behind the foreclosure crisis is the 2/28 adjustable rate mortgage and the economic condition that is under pressure. Most of the foreclosures in the mortgage market are the result of these adjustable rate mortgages that normally offers low introductory interest rates and when the rate adjusts after a few years, most of the homeowners find difficulty to meet their monthly payments. With more Adjustable rate mortgage expected to reset this year and in the coming year, it is probable that the rate of foreclosure will also increase during that time.

After Federal Reserve tried to stabilize and control the mortgage market by its cut down in the federal fund’s rate. The democratic leaders are also concerned about the condition of the market. Last week they approached President’s administration to appoint a person who will have the authority over the federal mortgage and will coordinate with the government to reduce the increasing number of home foreclosures. They also proposed for $200 million as funding for foreclosure prevention.

The democratic leaders have also proposed to give government approved nonprofit money to the help the homeowners those who are facing problems in making their mortgage payments. If not the program, then at least the news can become a reason for temporary smile on the face of the homeowners and the lenders.

Las Vegas real estate

Is Las Vegas real estate really a wonderful real estate investment option? Well, probably yes. With the population on the rise and the economic indicators signalling growth, one would assume that Las Vegas real estate should be on the cards of any real estate investor. A lot of businesses are getting setup in Las Vegas. So all those developments combined with the fact that Las Vegas is what Las Vegas is, have made Las Vegas real estate investment a really attractive option.
The uptrend in Las Vegas real estate can also be judged by the fact that the rents in Las Vegas have moved up quite a bit in last couple of years. With new facilities being added and with more businesses getting setup, you would expect the unemployment rate to go down for Las Vegas (which actually is the case). Moreover, as there is more influx of people and businesses, Las Vegas real estate would be expected to be in demand (both for business purposes and residential purposes). The appreciation of Las Vegas real estate can also be contributed to the avenues for enjoyment that exist in Las Vegas.
A lot of people have made a lot of money by investing in Las Vegas real estate and a lot of people have started investing in Las Vegas real estate. However, as is the case with any real estate investment, you must evaluate your options carefully before you actually go for Las Vegas real estate investment.
If you are full time into real estate investment business in and around Las Vegas, then you must already be looking at various investment avenues in Las Vegas real estate not just from the perspective of new developments but also from the perceptive of existing/ evergreen Las Vegas real estate investment opportunities (i.e. in terms of distress sales, public auctions of property etc). However, if you do not live in Las Vegas or anywhere near Las Vegas, but want to invest in Las Vegas real estate, then your best bet would be to find a Las Vegas real estate broker or maybe just look for the Las Vegas real estate listings over the internet. If you are unable to find other avenues easily, you might consider investing in new Las Vegas real estate developments i.e. new constructions. However, you need to pay heed to the growth indicators before you make the move to invest in Las Vegas real estate.