Another One bites the Dust

Another terrorist bites the dust. The world woke up this morning to the delightful news that Anwar al Awlaki is dead.

The American-born terrorist was killed in Yemen by an American hellfire missile. By terrorist standards he will become a martyr. By American standards is just another dead terrorist. If you are keeping score for the past few months it will read USA 2 terrorist 0. To reach the Super Bowl we have one more big fish to get the number two man of Al Qaeda whom I am sure is really looking over his shoulder today then we can concentrate on the smaller thugs and finished wiping out these useless people off the face of the earth. So the terrorists may be gone to his rewards with numerous virgins or he could be entering the gates of hell about now I would hope for the latter. There are several more American terrorist in this group let this be a warning you can run but you can't hide.

When To Buy

Is it a good time to buy a home? Many real estate experts say if you are looking for an expensive home now is not the time to buy. The reasoning behind this the prices will continue to fall in this economy. Some investors who have bought in affluent neighborhoods thought they had a bargain but prices have continued to fall and they now wish they had waited for the market to tank.

As an investor there are bargains out there if you buy in the right neighborhood. For example I have seen prices as low as $15,000 on a small efficiency condo and $44,000 on a three bedroom two bath home in the suburbs. If unemployment continues to rise the price of housing will continue to follow.

If you are searching for bargain you must look at the big picture can I purchase this property and make a profit on it as a rental or by flipping the property for a profit. You must research the property extensively to determine if you are getting a good price. Be sure to use a reputable real estate agent as they can keep you informed of the market prices and direct you to the property that surely is a bargain. They will also be able to run comparisons on the property in the neighborhood of where you would like to purchase. Good luck in your search there are still bargains out there.

Breast Cancer Awareness

My mother died of a breast cancer when I was in my 30's and all of us are devastated. My mother's battle of the disease hit us hard. That was the saddest moment of our lives. So, whenever I saw the breast cancer awareness products that bring back memories of my mom. I support all the breast cancer awareness campaigns by the private sectors as well as the government. In fact, I have a sticker displayed on the back window of my car showing my support of this cause. I am so dedicated to help spread the awareness campaign and the importance of early breast cancer detection. We all should support this type of campaign and advocacy because when they raise funds, they lobby for better care, more knowledge, and more patient empowerment.

Most of the funds which are raised for breast cancer awareness are spent on screening programs, research, education and treatment. According to the study, breast cancer is the second leading cause of cancer death in women after lung cancer. We need to support this cause and in our own little ways, we can make a difference. We honor those who have lost their battle by showing our support to the advocacy of finding the cure of breast cancer. Let us donate and fight this life threatening disease.

Bargains in Florida

If you are buying a home and want to obtain a real bargain you might try the state of Florida. The housing crisis has hit the state of Florida very hard. I was in the city of Titusville looking for some real estate bargains as over 9000 people have been laid off their from the space program. I was not disappointed.

I will give you a sample of what to expect if shopping for real estate bargains. This was a great investment potential. Two bedroom one bath condo assessed at $38,000 by tax assessor. Ceramic tile in living room, dining, and bath. New counter tops and light fixtures new hot water heater to be installed soon. Total asking price $22,000. All appliances will remain with the home. If this is not a bargain I don't know what is. If you are seeking to make a new start somewhere Titusville Florida might be just the place for you.

Bill of Rights

The first ten amendments to the Constitution is the Bill of Rights.

The Bill of Rights is the first 10 amendments to the Constitution. When the Framers wrote the Constitution, they did not focus on individual rights. They focused on creating the system and structure of government.

Many Americans believed that the Constitution should guarantee the rights of the people, and they wanted a list of all the things a government could not do. They were afraid that a strong government would take away the rights people won in the Revolutionary War. James Madison, one of the Framers of the Constitution, wrote a list of individual rights and limits on the government. These rights appear in the first 10 amendments, called the Bill of Rights.

Some of these rights include freedom of expression, the right to bear arms, freedom from search without warrant, freedom not to be tried twice for the same crime, the right to not testify against yourself, the right to a trial by a jury of your peers, the right to an attorney, and protection against excessive fines and unusual punishments. The Bill of Rights was ratified in 1791.

Requisite to Citizenship

If you want to become a citizen of the US, you need to study the civics and history of the US. First, you should know that:

The Supreme Law of the land is the Constitution. The Founding Fathers of the United States wrote the Constitution in 1787. The Constitution is the “supreme law of the land.” The U.S. Constitution has lasted longer than any other country’s constitution. It establishes the basic principles of the United States government. The Constitution establishes a system of government called “representative democracy.”

In a representative democracy, citizens choose representatives to make the laws. U.S. citizens also choose a president to lead the executive branch of government. The Constitution lists fundamental rights for all citizens and other people living in the United States. Laws made in the United States must follow the Constitution.

Android on Straight Talk

This is a Sponsored post written by me on behalf of Straight Talk. All opinions are 100% mine.

I used to Call a friend using the International Long Distance from my cell phone. I paid additional amount to get a lower rate for International calling. But,  when I read my phone bills every month, it never makes any difference. My monthly phone bills are too high and I am getting tired of paying a lousy service with so many hidden charges.

I am using an Android phone so; I plan to get the Android on Straight Talk because I like the features of this phone. It has a camera and Bluetooth which is very important for me. They have $45 unlimited monthly service which includes calls, text, picture messaging and web browsing. That is really affordable plus no contract at all. I asked few of my friends who are Straight Talk users, they love the connection because it has a great connectivity and the coverage is excellent nationwide. They have no problems when they switch to Straight Talk and they just Hook, line and sinker. They save a lot of money and they love the Straight Talk service. If it works for them, it will going to work for me too.

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Along the Gulf Coast

Since Monday, my wife and I were having a road trip to Mississippi. We stop over in Alabama and stayed a night in my friend's house. We had a good time in his farm. Then, we drive all the way to Mississippi. This is the Harbor in Ocean Springs Mississippi, a favorite place that I hang out.It is more than a year now since we left this place. I still prefer Orlando but, this awesome view is what I am missing mostly.There are so many shrimp boats in this harbor in fact, earlier today, I bought 20lbs of shrimps at $4 and it was a jumbo size.
Here are some of the private boats of people and they are in different sizes.

This is the Harbor Landing, a bar and grill restaurant. My cousin and I used to hang out here for a beer and a good food. It is good to be here today.

Cash Advances

Few years back, I was hard up. I cannot get ahead of my bills. It seems that the more I work; more bills keep on coming in. My family and friends did not know my situation but, I did manage to save and get out from that life. I never bother my friends when I am in financial trouble. During those times, I rely on getting a cash advance from a payday cash advance loan nearby my place.

On my pay day, my check goes to them and do another cash advances and it goes on like that for months. Until such time that I was able to get back on my feet. Now, I am debt free and I thank this company for helping me out in times of my financial trouble.

What is an Amendment?

When you listen to a talk show about politics, you heard about the word, Amendments. So, what is an amendment? It is a change (to the Constitution) and an addition (to the Constitution). An amendment is a change or addition to the Constitution. The Framers of the Constitution knew that laws can change as a country grows. They did not want to make it too easy to modify the Constitution, the supreme law of the land. The Framers also did not want the Constitution to lose its meaning. For this reason, the Framers decided that Congress could pass amendments in only two ways: by a two-thirds vote in the U.S. Senate and the House of Representatives or by a special convention.

A special convention has to be requested by two-thirds of the states. After an amendment has passed in Congress or by a special convention, the amendment must then be ratified or accepted by the legislatures of three-fourths of the states. The amendment can also be ratified by aspecial convention in three-fourths of the states. Not all proposed amendments are ratified. Six times in U.S. history amendments have passed in Congress but were not approved by enough states to be ratified.

Cruising the Caribbean

My wife and I wanted to travel the Bahamas and Caribbean but, our plans were never pushed through. When my family went out cruising to Bahamas, we were left behind because my wife lacks the document at that time. We tried to find good deals and believe me, there are unbelievable deals especially the last minute cruise. We will definitely book a cruise vacation before the year ends. My wife wanted a week vacation but, my preference would be three to five days cruising.

My sisters enjoyed the cruise and they had the fun times of their life. There are activities while the ship is on cruise and catered not only for the couples but, for the children as well. The food is good, the accommodation is great and so far, they have no complains. I traveled Europe and live there for years and visit Asia too. Now, I wanted to have a cruise vacation and the Royal Caribbean would be a possible cruise ship to check out. This is something to look forward to because I wanted to relax on the ship and just lounge on the poolside or watch the sea on the balcony. My family told me that there was no boring moments while they were cruising plus, they got to see Cozumel, Mexico. That was an exciting experience for them.

We The People

My favorite segment of the Jay Leno Show was when he goes out to a public place and asked random people on the streets about the US civics. He asked the question: What are first three words of the Constitution? Of course, most of them cannot answer the question and just answer randomly which was really funny!

What are these words? We the People. The Constitution says: “We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.”

Flipping Houses

My wife always watch HGTV shows because she is fascinated with home designing, home staging, home buying, and also flipping houses. She is very determined to learn about simple fixes and how to arrange furniture's to create a focal point of the room. Just recently, I was watching it with her, and I like it. The houses are gorgeous with open concept designs showing the living room and the huge kitchen with antique kitchen island. The bedroom has a good size with porcelain vanity tops and the hallway has indoor step light.

We are currently looking to purchase a new home. We wanted to have a lot of storage and a granite countertop in the kitchen. The living room should be open concept with at least three bedrooms and three bathrooms. We have a realtor and he is helping us to look for this type of property. In fact, we are scheduled tomorrow to view some properties.

If we can find a house, we have the two income properties to splurge soon. We wanted to change the carpet into tiles and do some cosmetic renovations too. It will be a simple project but, we just want to improve the value of our rental income property.

Funny Jokes on Jay Leno Show

I was watching the Jay Leno Show and it's just so funny to realize that most of us does not know about this question: What does the Constitution do? It is funny but not in a good way though that is why, it became the platform of jokes in the show. We need to know that the Constitution sets up the government, defines the government and protects basic rights of the Americans.

The Constitution of the United States divides the government power between the national government and the state government. The name for this division of power is federalism which is an important idea in the Constitution. We call the Founding Fathers who wrote the Constitution as the Framers of the Constitution. The Framers wanted to limit the powers of the government, so they separated the powers into three branches: executive, legislative, and judicial. The Constitution explains the power of each branch. The Constitution also includes changes and additions, called amendments. The first 10 amendments are called the Bill of Rights which is the individual's rights and liberties of all Americans.

Getting Out

Thanks for the guest post by Kristofer Bartlett

My family is really big on getting out and about in fall and it’s our busiest time of the year because all three of my boys play football. Two are in high school and one’s still in middle school, though, so that means I’m constantly shuttling between the practices and trying to make it to every game. My husband’s really big on college football so this year we got a satellite tv family plan and he and the boys are going to spend every Saturday and Sunday hunkered down in front of the TV, I’m sure. I don’t really mind it though since their friends from football come over and at least I know where everyone is. I like to know they’re safe and happy and when they’re at my house they’re definitely never going hungry, I can tell you that! It’s amazing what a group of growing, football playing boys can eat in one sitting – I should ask everyone to contribute $20 when they come over from now on!

Closing on your first Home

You have searched and finally found your dream home and are about to enter into the closing. This is the final step that will make your home yours.

The actual closing date is usually about two weeks after your offer is excepted by the seller. You may request the closing date be within 10 days of your offer.

There are several transactions that will take place during the closing of your home. You as the buyer will have to pay the balance of what is owed on the home usually with a cashiers check. The seller will then sign the necessary paperwork to transfer the deed to the buyer and deliver the keys. The title company has the responsibility of registering your deed. The seller will will receive a check for the proceeds at the closing minus closing cost and mortgage payoffs. If all the necessary paperwork is in order the closing should not take over an hour. If the buyer is paying cash even less. So whether you be the buyer or the seller to make sure of a smooth process make sure all your paperwork is in order.

House Hunting

If you have ever been looking for a home to purchase you know that it can be very stressful not to mention frustrating.

If you do not have a real estate agent and are trying to do it on your own you are making a big mistake. A good real estate agent can provide the information that will help you in your hunt. They have access to many different types of listings in your area. They can help you determine if you are offering too much or too less for the home of your choice. The necessary paperwork can also be handled by a real estate agent also the closing documents. So while looking for your dream home be sure to go through a certified real estate agent and save yourself a lot of unnecessary stress and grief.

The Servers in the Buffet

My wife and I were having a breakfast in the buffet at the Beau Rivage Hotel here in Biloxi, Mississippi. I was observing some of the employees and half of them were friendly and others were not. My wife told me that it feels funny because when she was working in the casino a year ago, she was complaining about the customer's behavior. Now that she is a customer, still she complains but, it is about the employee's unsatisfactory services.

Anyway, in the buffet area, we saw a young man asking questions to the servers. He had a pen and for every answer he got, he jots it down. We thought it was employee surveys because the servers were very cooperative. It was a quick Q & A because he was holding a type written document. Probably, the task of the survey is to know the employees satisfaction on their salary and provides rating to their manager's performance. These are common inquiries from the management to know what directions they are heading to. Usually, surveys can be answered by letters or numbers and each response represents a corresponding answer. After gathering the data, they can assess the result and then, provides the possible solution to make it better.

Cheap products from China

Many large corporations in America such as Walmart and Target stock their shelves with cheaply made Chinese products. They say because they can offer the lowest price to the consumer on these goods.

Is this necessarily a good thing there seem to be many complaints about products made in China from toothpaste to apple juice. Just recently on the Dr. Oz show he disclosed there was levels of arsenic in apple juice. This was not home grown American apple juice but apple juice from foreign countries such as China. In our country the agricultural department has rules and regulation that are followed by farmers as to what kind of chemicals can be put in the soil when producing their products.

China on the other hand is a communist country that is run by a military dictatorship. The rules and regulation governing their farmers is totally different standards than our own country. There is an old saying you get what you pay for. To be on the safe side and protect your family you should buy American in this case you know what you are getting there will be no surprise like arsenic waiting for you.

Great Blue Water

Who would ever forget about the earthquake that happened in Chile? It was one of the saddest, devastating and catastrophic events in the Republic of Chile. Amidst the disaster came the determination of the Chilean to promote the tourism industry in the nation. They are telling the world that it is safe to explore the beautiful places of this country. Take the Chile tours and enjoy traveling and cruising along the coastal view of the nation. Check out the Patagonia vacation packages, where you have the chance to see the Strait of Magellan and Beagle Channel. When you are cruising, you will see the Patagonia and Tierra del Fuego. You can always sign up the patagonia tours which will brings you over to the places that only few people did able to see. You can purchase your ticket at ustralis.com and they will provide the extra ordinary expedition that you longed for. If you want to know the rates of their cruises, check out the Website today. They also provide the routes and itineraries so, you will be guided accordingly. Are you interested to visit Chile and explore the wonders of the place? Visit the Website today and book your tourist tours now.

Cruise Ship Ripoff

Cruise ship companies make a substantial profit by offering you on onshore excursions when you pull into a port. You must be careful when booking one of these excursions as you can easily get ripped off remember you are usually in a foreign country.

The best way to keep from getting ripped off is book your excursion while on the ship and make sure the cruise line company guarantees the excursion company to be reputable and able to fulfill their commitment.

If you are not satisfied with your onshore excursion complained to the cruise lines that booked the tour for you. You will generally will be successful when presenting your complaint just have all your facts right what was promised and what was actually give on the tour. You will probably be given a full refund and even some on board credits for your troubles. Cruise lines do not want to have bad publicity over a onshore excursion.

It is not advisable to book a tour once you have arrived at your destination as they are many unscrupulous tour operators just waiting for you in the ports. The cruise line also has no control over these vendors. So enjoy your cruise and book everything through the cruise lines.

HOA Fee

If you have been shopping for a condo or townhouse you will see in the description of the property given to you by your real estate agent the term HOA fee followed by a price for example $50 it may say quarterly, monthly or yearly what does this mean? This fee could also apply to some homes in a subdivision.

The HOA fee is a maintenance fee that will cover the cost of maintaining the common areas of the property such as lawn maintenance, pool cleaning trash services and even some insurance of the exterior of a structure you are living in such as the roof.

The more amenities that are provided by the complex the higher the HOA fee for example if you are living in a complex that does not have a pool and exercise room or a tennis court your HOA fee will probably be relatively low. Of course if you have many amenities it will be just the opposite. An HOA fee is generally paid by the month and could range from $50 up to as much as $700. The fees are determined by the board of directors of your association. Before purchase in your dream condo or town house be sure to check the HOA fee.

Family Adventure

Chile looks like a stick facing the ocean and located on the map of South America. This country is stable and prosperous. Along the Southern Chile, the place is blessed with forests, lakes, grazing lands, and strings of volcanoes. The southern coast is also rich with fjords, inlets, canals, twisting peninsulas, and islands. By the way, fjords are long and narrow inlet with steep sides or steep cliffs. With all these amazing land and water formation, the Chile tourism is booming.

On the South, Puerto Montt is a beautiful place to visit and have a coastal stroll with your family and friends. This city is the commercial and financial hub of Chile as well as the Salmon Capital of the country. As you can see on the picture above, the beautiful Osorno Volcano is towering down on the city. Look at the blue waters that make this country the leading and largest salmon producers of the world. There are so many beautiful places to visit in Chile and you can contact Patagonia tours for information about the rates and schedules. Plan your Patagonia adventure and travel to Puerto Montt with your family or friends. Page Rank 1+ only! Please pick three different anchor texts to use.

Short Sale

If you have been shopping for a home or investment property lately as you browse through the real estate listings you will notice some homes classified as foreclosures and some as a short sale. What is a short sale?

A short sale is when the home is offered for less than what is owed on it from the mortgage holder. To sell your property as a short sale you must have approval of the lender. One of the benefits of a short sale is the owner will not have a foreclosure on his record. Generally the sale price is much lower than the asking price. This does benefit the buyer. The homeowner could still be responsible for the balance of the money owed to the lender and sometimes they are pursued in court for the difference. Many lenders will not approve a short sale. As a buyer you must have a lot of patients and time to pursue the short sale as the lender is always trying to get the highest price for the property. Some short sales take up to a year. I have seen some close in a month but this is very unusual. Your real estate agent can be very helpful in negotiating a short sale. So if you have the patience and the cash you could benefit greatly as a buyer in the short sale.

Beautiful Bedspreads

The most comfortable activity that I enjoy doing is napping. Our bedroom is a sanctuary and with cozy bedspreads, it gives me the freedom to have a lazy day any time that I want. Come to think of it, if you have a decent bed just like the picture below, snapping and sleeping is a total comfort. The bedspread that we have at home are warmth and comfortable. The design is soothing with vibrant colors. If you are looking for bedspreads just like the picture below, check it out at Brylane Home Website.If you prefer a lightweight bedspread, in cotton made or a mixture of polyester and cotton, you can find it in this Website. They have Bedspreads and Comforters which are quality made and top of the line. If you are planning to shop now, you can avail the 15% discount if your order is $75 and above. Not only that, new clearance and marked down items are up for grabs. Click the link and take advantage of their sale items. You will enjoy the discount items from 38% up to 60% off. That is a good deal right? Visit the Website now and start shopping for bedspreads and comforters.

Immigration Fix

While watching the Republican debate last night question came up about illegal immigration and how to stop it. Many of the candidates said build a bigger and better fence I'm sure that this would help but there are some simpler solutions.

A few years ago almost anybody could get a drivers license in the state of Florida. This license would be valid for a few months for tourists or for many years for illegal aliens all you had to do was prove you had a Social Security card. Most of the cards were bogus and the DMV really had no way to check them at that time. Fake Social Security card used to go for about $60.

The days of obtaining a driver's license in the state of Florida without the proper identification is over. To apply for or renew your driver's license you must personally go to the DMV present a birth certificate, or American passport a Social Security card which now can be verified and at least two utility bills to prove your residence.

Putting these procedures in place has definitely cut the flow of illegal immigrants into the state of Florida. If more states had these requirements it would be a step forward to controlling illegal immigration.

Tax Accountant

My friend has her own tax accountant for their family business. She does the basic book keeping for the business and then turns everything over to her tax account. She recognizes the fact that without a tax accountant, she will be in great limbo. A tax accountant plays a big role in their business and corporation finances.

Preparing your local, state or federal taxes can be very stressful and takes a lot of time. Tax accountant prepares your tax returns accurately. They are knowledgeable on the latest tax codes and they can advise you on how to pay as little tax as possible according to the law. Their role is to customize your tax return for maximum benefit for you and your family.

Many people are facing tax problems such trying to pay off a tax debt and they got worried when being audited by the IRS. A tax accountant can help any of these tax problems. Tax laws are constantly changing so; you need the expertise of an accountant. They can advise you on all complex tax changes and legal matters.

It's Cheaper in the Suburbs

I am in the market to purchase a new home. So I have been doing my homework on the best possible price and neighborhoods.

After checking many real estate websites in search for my new home I have discovered that it is cheaper to purchase a home in the suburbs or surrounding towns. I was looking for a three bedroom two bath with at least a one car garage. I am looking in Florida so I know the prices here are much lower than that in most parts of the country. The state of Nevada is about the only place that might be a little bit more economical than Florida.

While shopping in the city of Orlando for example you may purchase a three bedroom two bath home on the low in about 90,000 to $125000. In the neighboring towns within 25 miles of the city the prices range from low $75,000-$95,000 for the same size house. I have found some with more amenities also such as a double car garage and even a swimming pool. So check with your real estate agent and have them look at the benefits of buying out of the city versus in the city.

A Visit to Paris

If you are traveling to Europe, Paris has definitely got to be on your agenda. I have been to Paris on several occasions. When I was working in Germany, I sometimes took the midnight train from Frankfurt to Paris. It is only a six-hour ride and very comfortable. Arriving in Paris, I stayed at one hotel at the main train station at a reasonable rate. If you take paris visite pass, you really do not need to rent a car because the public transportation is available all the time. The subway train and buses run on time and can take you anywhere in the city.In the city where most of the tourist attractions are located, you can just do your own thing. If you want to see the Eiffel Tower, the Louvre and Notre Dame, you can take a walking tour as they are very close by. You will also enjoy walking down the Champs-Elysee with its elegant shops, restaurants and coffee shops. There are many more tourist attractions to see in Paris so; I recommend you to take the bus tour as they are reasonably priced and you can cover a lot of sight-seeing quickly. Paris is known as the city of light and live up to its reputation. Check with paris passes and the paris metro tickets for all the information you will need to have an enjoyable time in the largest city of France.

Wholesale Clubs

There are many different opinions when it comes to wholesale clubs. The pros and cons very depending on who you're talking to. I myself have had a pleasant experience with my wholesale club which is BJ's.

I think the secret to this is knowing what you want and how much of it you want before even going into the club. In other words make a list. Many items because you are buying in bulk are cheaper than the local supermarket. My club also has a deli similar to most supermarkets. I have noticed that most items in the deli are just about half priced as similar items in the supermarket. For example sliced yellow cheese did run from $5.95 up to as much as almost 7 dollars in the market the same cheese in the clubs was $3.49 a pound.

Of course one of the disadvantages of shopping at one of these big warehouse stores is almost everything you buy is in bulk. But you still save money when purchasing like this. So if you're going to buy one can of tuna fish at a time this is probably not the place for you. If you have a large family and can purchase eight cans of tuna at one time this would be the place for you. So pay a visit to your local warehouse store and see if can save money by shopping in bulk.

Fine Wine

If you are invited to a housewarming, bring a fine wine as a gift and your friend will be delighted. A good bottle of wine is always appropriate no matter what the occasion maybe. If you are buying from an experience wine connoisseur or from a novice, wine gifts are always good to give. Just bring a wine but, ask the wine clerk which one is appropriate for such occasion.If you are being invited to a dinner party, you would want to bring a wine that will complement the meal. A red wine will complement the meat such as a steak or prime rib and if it is a chicken or fish as the main entrée, you would probably prefer a white wine. One more thing to consider is the presentation of the wine by having it gift wrapped. Use a gift bag or maybe even a basket with cheese and crackers will be perfect.

If you throw a party, know your guest well and know exactly what type of wine they prefer if it is a red wine or a white wine and either sweet or dry. If you are confused then, trust your own taste. There are many good wines that are not expensive. A good rule to go by is staying within your budget. Just pick a wine that is in your price range and normally, you cannot go wrong when following this guide.

Timeshares Scam

Before we get into the timeshare scam I would like to know why would anybody purchase a timeshare? I don't see any benefit to owning a one. First you have to pay for it usually monthly payments, second you have to pay the maintenance fees and last you are responsible for any local or state taxes. I think if you add up all the expenses you could probably stay at some of the finest hotels in the country for two weeks a year much cheaper without all the stress of owning a timeshare.

If you are a timeshare owner there is another scam that you must be aware of. If you get a letter or a call from a company saying they can help you sell your timeshare even guarantee it beware. This is how it works the representative will tell you they can assist you in selling your timeshare in a relatively short period of time. The only requirements for you would be a deposit of several thousand dollars that will be refundable when your property sold. The problem with this once you have made a deposit the scam company makes no effort to sell your property at all. Basically you lost your deposit. Any reputable company in the real estate business will not ask for a deposit as they work on commission. The best way to handle this situation is to hang up the phone. If they continue to call you contact your Attorney generals office they will be able to help you. Another novel approach would be what one of my client's did by telling them he would need a $5000 deposit from them that would be refundable when the sale is complete they never called back again. When selling your timeshare there are many reputable company's that can help you and do not require any money up front. Be aware of these schemers and good luck.

Cleaning Company in Texas

As what the saying goes, hard wood can lasts forever. That could be true if the owner knows how to maintain it, repair it and keep it polish at its best. With the right product used for cleaning, hard wood floors can be shiny and beautiful like new all the time. When you use some chemicals not suited for wood polishing, it may harm or damage your hard wood floors. If you are not familiar with chemicals for cleaning, you can consult those people who are knowledgeable on this matter. Better yet, hire a professional to clean your hard wood floors such as hardwood floor steam cleaner austin. If you live in Austin Texas, visit the Website http://www.thesteamteam.com/ and check out their services. This company is the steam team specialist who gives you the total cleaning and restoration services. Whenever you need a carpet and upholstery cleaning, you can rely on this company. If your house was damaged with smoke or fire, the Steam Team will restore your place for you. They guarantee that their work is done professionally because they are committed to satisfy your expectations. They will re-clean it with no extra cost if the stains will re-appear. If you need their services, please call them at toll free number 800-880-7785 today.

The Advantage of Using a Real Estate Agent

You are in the market for a new home and ask yourself do I really need a real estate agent? What is the advantage to having a real estate agent?

In the last year we have purchased two condos in Florida and yes you do need a good reputable real estate agent. There are certain advantages to having one. First of all there is no reason to not have a real estate agent as the seller pays their commission anyway. It generally works like this the listing agent will receive half of the commission and the remaining portion will go to the buyers agent so you see you really do not have anything to lose here.

A real estate agent can help you determine how much you can afford to pay for a home. They can also help you prequalify for the loan and recommend which lenders to use.

A real estate agent has access to the homes listed in your area. Probably a variety and many more listings than would be available to you.

A real estate agent can take you to the homes you are interested in and give you a guided tour through them. This way you can note the likes and dislikes of each home. They also have information available to the on the history of the home you would be interested in such as how long it has been on the market, school district and type of neighborhood the home is located in. This type of information will help you make a better decision on to buy or not to buy in particular area.

A real estate agent can also run what is called a comparison as to the prices of the homes in the area what they are selling for therefore better advising you what to bid on the home.They can also help you negotiate with the seller's not only the price but what assessor would go with the home such as a stove, refrigerator or patio furniture etc. They will also submit your bid to the seller.

So you see there are definite advantage to having a real estate agent when looking for a home to help you walk through the process with the least amount of stress possible. So in your search for a new home it would be to your benefit to have a reputable real estate agent to guide you through the pitfalls of purchasing a home.

Men's Jeans

Most men hate going to the mall but, when it comes to online shopping, I can tolerate that activity. When I buy things at the mall, I am so impatient with the long lines at the counter. All I want is get my stuff, pay and go. But, mall shopping is not like that. Shoppers need to endure the crowd and the slow pace at the counter. That is why, I prefer to shop online and I found a Website that I can buy shoes, accessories, men's jeans and men's shirts.
Aeropostale is a specialty retailer for casual apparel that focuses on young men and women who loves active-oriented fashion. You can find guys shirts, footwear, uniforms, and accessories such as belts, bags, hats, belts, sunglasses and many more. This company has colognes and watches too. From top to bottom apparel, you can buy it from this online store. You can shop from their clearance items which are marked down up to 75% off. Visit the Website and shop your favorite apparel now. This online shop also has a gift card and a gift certificate which you can buy and give as a birthday gift for someone. For more information, check it out at aeropostale.com today.

Collection Scams

If you fallen on hard times it is a stressful time and your mind is full of so many different problems that you might not even remember some of your bills and forgot to pay them. Or maybe you have paid the most important ones such as utility bills, car payments and some credit cards planning to pay the others as soon as possible.

There are many unscrupulous people out there who will prey upon you. There is a scam currently being pulled on innocent people who are in debt. You may get a phone call one day from a person claiming to be a debt collector demanding payment for certain amount of money that you can even remember. Your mind wanders and you think maybe I do owe this money and forgot to pay it don't fall into this trap. These people will be very aggressive and demand money immediately. They will threaten you, continually call your home and even say they will take you to court this is all just a scam donot be intimidated. A bona fide bill collector will not do any of this over a phone.

If you encounter any of these scammers over the phone the best way to deal with them is to tell them to send you a bill so you may review it. Do not except a bill by e-mail as this can be manipulated also. This normally will infuriate your scammer and they will even threaten more. Also inform them that you are filing the complaint with local, federal and state agencies. Under no circumstances send these people a check or money order. Many of these calls are placed at random and did not even originate in the United States. Beware of any type of collection asking for money over the phone always ask for a written statement sent to you.

Liquid Nitrogen Storage

Are you looking for a company that provides cryogenic delivery and liquid nitrogen storage system? Princeton Cryo has two decades of expertise and experience in the design and installation of cryogenic equipment in different format. This company provides on cryogenic and cell culture storage either Liquid Nitrogen Storage Containers or Cryogenic Dewar.

If you need it for biomedical storage, this company has the right product for you. If you are in need of Liquid Nitrogen Freezers, liquid nitrogen tanks and cylinders just check out Princetoncryo.com and start browsing what your company needs. They also have Cryogenic Racking Systems, alarms, switchers and controllers.

If you need the equipment for Cryosurgery and Dermatology, this Website is a good resource for that. Their price is reasonable and all their products are safe. If you find a cheaper price elsewhere, they will match it for you. For payments, you have the option to pay it thru credit cards or PayPal plus, they offer 14 days return of the product if you are not satisfied. So, from major equipment such as Liquid Nitrogen tanks to minor products like Liquid Nitrogen Hoses, you can find it at Princeton Cryo Website. Visit the links today and start purchasing the product you need.

Chinese Drywall

My first encounter with Chinese drywall was actually on the Internet. I was shopping for a home in Cape Coral Florida on a real estate website I noticed some three bedroom two bath homes that would normally sell for at least $90,000 in today's market price at $52,000. As I could not believe the price I immediately call the real estate agent to set up an appointment to view the homes.

While talking to her on the phone she informed me that most of the lower-priced homes in the $50,000 dollar range were built with Chinese drywall and would have to be completely redone inside because of the toxic fumes produced by this drywall. She informed me that it would cost at least $30,000 to repair the homes.

Chinese drywall was shipped to the United States around 2001 because of a shortage due to the building boom of those years. There was also a shortage created by hurricane Katrina. This drywall from China contained more than the legal amount of sulfur allowed. It is so toxic that it will make you sick if you live in the houses. One of the ways you can tell about Chinese drywall if you check your hot water heater you will see that the copper pipes have probably turned black and the entire house would smell like rotten eggs therefore making it unlivable. The drywall will eventually affect the electrical and plumbing in your home.

The state most affected by this drywall number one Florida with over 59% next Alabama and Mississippi also Louisiana. In most states laws have been past that the seller must inform you of the drywall problems. The best way to protect yourself against purchasing a home with this toxic drywall is with a good home inspector that is trained to detect this problem.

I guess we will never learn about purchasing items made in China if you remember they are the ones who gave us lead based paint used in children's toys. You get what you pay the safest way to protect yourself is to not buy or build a home unless the drywall is made in America.

The Swan and Dolphin Hotel

Are you planning to book your stay in Disney World Hotels? You should check out Swan and Dolphin Hotel which is in a great location close to the Boardwalk Resort and Disney's Hollywood Studios. The Swan and Dolphin Hotel is serving the visitors to Disney since 1990. It is located in a Disney Property and owned by a large Corporation known as the Westin. The Swan is a very huge hotel and very recognizable by the 47 foot Swan sculpture that sits on top of the hotel. It is directly across the street from the Dolphin Hotel which has a similar sculpture of a dolphin on top of it.

Although not owned by the Disney Corporation, the guest staying there has all the privileges and amenities of a Disney Hotel. There is free transportation to all the parks, package delivery from any of the gift shop which is located on Disney property. Also, extended hours if offered by any of the parks and they do offer certain package deals with Disney while staying at the Swan

I visited this place before and I remember at the Swan during the dinner hour, they had a wonderful pianist playing on the lobby that was quite enjoyable. There are other amenities located in the lobby such as rental car counters and tour information. The service is great and the guests are treated well. If you are looking for a unique experience while on vacation at Disney, please check the Website of Swan and Dolphin Hotel.

Abusive Debt Collectors

In these days of hard times many people have had to deal with abusive debt collectors. Many companies will turn their unpaid bills over to a third party debt collector. These companies can be very aggressive and abusive. They are working on commission and could care less about the situation you are in.

You will find when dealing with these companies they can be very abusive and use tactics that are actually illegal. There are federal and state laws to prevent this abuse. The federal government has passed the Fair Debt Collection Practices Act to curb much of this abuse. Companies can be fined as much as $1000 for violating this law.

Some samples of aggressive and abusive tactics would be calling you after 9 PM in your home, harassing you at work when told to stop calling, threatening you and using profane language and misrepresenting the amount of money that is owed to them. If you are encountering any of the situation you do have rights as they are breaking the law. You may file complaints with the state and federal agencies. Or you might want to contact an attorney to file a lawsuit for the abuse and seek compensation. Remember you do have rights that cannot be trampled on by these aggressive and abusive companies.

Family Insurance

For the last four years, we have a serious economic problem. Business close down, people got laid off from work, job is scarce to find and so many families lost their properties to short sales and foreclosures. There are priorities in life that family continues to keep such as Family Insurance and health insurance. Any insurance is worth keeping for because if we do not have it, we might be in trouble in the future. If any members of the family will get sick, that could be very expensive.

Term Life Insurance can be very expensive depending on the coverage you want. If you have the limited financial capability, just purchase the insurance according to your means and with normal coverage. You can find the Best Rates Life Insurance online but, make sure you purchase the right insurance which is affordable and reliable. You can actually find free Insurance Quotes and Cheap Life Insurance in most of the resources online. Go ahead and visit the link for more information. Your family's health, cars and home should need insurance. So, no matter how low is your income, you should at least get an affordable insurance for security reasons. If you have insurance that would eventually save you more money in the future.

Divorce in Florida

How do I get a divorce in Florida? The answer to this question is one party needs to testify that the marriage cannot be put back together under any circumstances. In legal terms this would be irretrievably broken.

There are a couple of options you have when seeking a divorce in Florida. If there are no children involved and no property this is relatively a simple process you may be able to do on your own without a lawyer. If there are children and property involved I would suggest you seek an attorney for legal guidance.

The main requirement for getting a divorce is that you must be a Florida resident. A resident for at least six months. There is no other requirement required of you once you have testified that the marriage is irretrievably broken and that you are a Florida resident and have been for at least six months.

You may obtain your divorce papers from your local courthouse the cost of these are under $20. There are instructions that will walk you step-by-step through the paperwork. Upon completion you must have all documents notarized and then submit them to the clerk of courts where they will file the divorce. How long will it take? If the divorce is uncontested and both parties have agreed to all the terms you could be divorced in as little as 5 to 6 weeks.

So if you are seeking a divorce and you are sure that it will be uncontested and there are no minor children or property involved it is a relatively simple process that you may be able to do yourself. If there are other complications such as child support, alimony or property involved I strongly recommend you seek out an attorney and let them handle it.

Lawsuit Cash Advance

When disaster strikes, most people are not prepared especially if it involves a personal injury. A personal injury can lead to many emotional and financial issues. If the injury was caused by another person or company, you probably will be headed to court. In many cases, the person injured can be out of work for a long period of time. This can lead to unpaid bills, added expenses and possibly loss of one's job. The consequences can not only be physical but financial.

A presettlement funding can help you pay your bills and you will be in a huge advantage to pursuing your case. Many people are not familiar with a lawsuit loans settlement and how to get it. It is a loan secured by some type of collateral and a lawsuit cash advance is generally money loan to a plaintiff involved in a lawsuit. The person is usually waiting for settlement from the lawsuit. There are usually high fees and interest rates involved in a regular cash advance.

In a lawsuit cash advance, there are no fees or interest rates due until there is a settlement. Basically, the lender in a lawsuit cash advance is hoping for a favorable outcome on the plaintiff's. The lawyer would be the best person to help you secure a lawsuit cash advance. They can go to the company and explain the circumstances of your case and see if you meet the requirements for a cash advance. They can also walk you through all the necessary paperwork that will definitely expedite your request. For more information, just check out the Light House Legal Website today.