Stock Explosion

A good premium log splitter can be used in a personal workshop as well as by professional lumbermen who use them on the job sight for commercial work. manual log splitters come in several varieties. Deciding on the one that’s right for your project or job can make a big difference in the long run.

Just need some lumber split for a few piles of firewood? Your basic old fashioned single blade wood splitting ax can get the job done. The ax blade cuts into the lumber and the wedge shaped wood splitting maul head forces the wood to split along the grain. For those needing firewood and are handy with an splitting maul, it won’t take long to split enough wood for a small pile. If you don’t mind a bit of a workout, a basic wood splitting axe can strengthen your upper body while providing you with the wood you need.

If you regularly split logs for home projects or hobbies, you may consider investing in a high powered hydraulic wood splitter from www.logsplittersale.com. There are a few different kinds to choose from. You’ll need to decide whether a horizontal or vertical loading manual wood splitter is best for your project. Another choice to make when considering a wood splitter is whether your needs are better suited to a gasoline powered or a diesel engine model. For the hobbyist or do-it-yourselfer, an electric electric wood splitter may be the best choice.

All power driven hydraulic wood splitters work the same way. A piston is used to drive the timber through a stationary blade.

A good brand of electric log splitter is determined by ease of use and how quickly it can finish the job with the least amount of effort by the operator. A powerful piece of machinery, the manual log splitter has helped operators from the pain of manual labor for years. The powerful hydraulic log splitter should never be used until all safety procedures are understood. Injury from the blades or from the wood itself is not uncommon, although avoidable.

While in operation, others should remain clear of the electric wood splitter for safety reasons. The operator should always wear eye protection and avoid wearing loose clothing which could be caught in the electric log splitter.

Those who work on large home projects or with wood on a regular basis, it is a smart choice to add a electric log splitter to your equipment list. A hydraulic log splitter is the perfect piece of equipment for a wide range of furniture making projects. A hydraulic log splitter can be found wherever lumber and logging equipment is sold.

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You could be forgiven for thinking that property is the new dot.com. It seems that anybody with a few extra bucks to spare is trying to get in on the current boom. Pushed along by the many television programmes selling hot new property destinations, newspaper articles regularly highlighting the returns to be made in foreign property markets, and the abundant websites offering property all around the world, would be investors are rushing by the thousands into emerging markets accompanied only by the certainty of making a killer return.

Many of these are young people who, priced out of their home markets are eager to get a foot on the property ladder in cheaper markets abroad. Others are coming in off the back of property booms in their own country, particularly the British and Irish and increasingly, the Spanish.

But while investors may be dreaming of a property that will offer high rental yields and high capital growth at the same time, sourcing the right property markets in which to make that investment is vital to achieving solid returns. With so much attention being focused on emerging markets, it is difficult for the rookie investor to know exactly where the next revolution in property is going to be.

Bulgaria, for many, is the obvious choice. For the small time investor or holiday home buyer, Bulgaria offers an affordable entry point. Receiving massive attention from the media, it has become a hot bed of investor activity, particularly around the Black Sea Coast and the Ski resorts. With property prices far below the EU average and capital growth averaging 60-70% per year, it’s not surprising. Bulgaria’s growing reputation as a tourist destination is also in its favour and many speculate that the Bulgarian property market will mirror the trends that were seen in the Spanish property market, particularly after its entry to the EU.

Many predicted that the ‘Eastern Eight’ – the Czech Republic, Hungary, Poland, Estonia, Lithuania, Latvia, Slovenia and Slovakia, on entry to the EU would contribute to the biggest property boom Europe has experienced in at least the last 10 years. While investor interest in the new Europe countries is significant, particularly among the Irish, British and Germans, prices are not rising at alarming rates and to some extent over saturation of the market by investors has meant that rental yields are not as high as they might be. While the property market in some of these countries has taken off on the back of EU accession, others such as Slovakia are struggling to raise their profile when it comes international investors.

Investing in European emerging property markets brings the risk that comes with investing in any new territory. However, for those daring enough to take the risk, the returns are far higher than those achieved by investing in the more traditional markets such as France or Spain. Take Romania as an example. Moving into a markets such as Romania now would require a great deal of courage, particularly when the country is still battling organised crime and negative world opinion, but the chances are that ten years down the road, Romania’s small Black Sea coastline will take off in much the same way as Bulgaria’s has over the past five years. The rewards are always greater for those brave enough to go in early.

Dubai is another strong contender among investors interested in emerging markets. Dubai, for many, has the winning formula; sun, sand, glamour, spectacular developments, liberal tax regimes and reasonably priced property. Though Dubai’s property market is probably the most glamorous and sophisticated in the world, it is still possible to pick up a bargain property that is sure to yield high returns. A one bed roomed apartment just 20 minutes drive outside Dubai can still be bought for around £35,000. While rental yields have dropped from 8 – 9 % in the last year to a more realistic 6 – 7 %, these are still healthy returns compared to major Eastern European contenders. The major concern with Dubai is that currently it is largely a speculators market, with properties being bought and sold several times before the builders have even left. If speculators decided to pull out, it could lead to total collapse of the market. However, measures are being implemented to discourage speculation with banks lending only on the original cost of the property, leaving investors the task of seeking alternative finance for the premiums that can be incurred on transfer of properties.

It is worth bearing in mind that all property markets, not just those that are newly emerging, carry risks. The key to making a success of any investment is good research. Gathering as much information as possible and keeping up to date with market trends is vital to making an investment project go smoothly. This is even more relevant when buying property in foreign markets. Seek professional advice, work with reliable agents and always be willing to do your homework.

Tracey Meagher writes for and maintains several Property Newsdesks including Property Newsdesk Dubai and Property Newsdesk Central and Eastern Europe She also offers freely downloadable detailed articles on buying property abroad. These are available at PropertyAuthors.com

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Assuming you have not grasped betting establishment games, then please keep reading —

money casino

Typically, a gambling saloon is a building that caters to games of chance. Here, customers may relax by having a bash at the slot machines or trying out alternative pastimes. Betting establishment games ordinarily include absolutely determined chances informing them that make sure the gaming house keeps possession of the upper hand against the gaming fans. Numerous gaming room games may cause you to get hooked very speedily. Let’s examine the good old one-armed-bandit, a cash operated contraption with three gears which orbit when a crank connected to it is yanked. This gadget mostly remits in correlation to a range of symbols discernible on the display of the instrument. Sadly, gaming establishment games proffer the mirage of remaining in control, thus deluding the gambler – the punter is conceded choices, but actually they will never realistically eliminate the patron’s statistical disadvantage. That is caused by the the betting establishment not paying up the full amount as hoped for. This pattern is regularly noticeable in acclaimed casino games like seven card stud poker, dice, roulette or blackjack.

Blind Poker is doubtlessly a highly popular casino game. The betting aficionados, holding fully screened hands, will wager in a central pot which is then granted to the last participant controlling the winning combination of cards. (As everybody knows, the coolest bluff may well prevail) Similar to five-card stud, blackjack is also a very trendy casino pastime. A substantial part of its is due to the mix of luck and proficiency & choice making, and a routine labeled “card counting”. The aforementioned is a highly complex technique by which gamblers may dramatically switch the chances of the card game to give them an advantage both by wagering and procedural decisions according to the cards dealt. “Craps” is a well known gambling hall wagering game based on the roll of 2 dice. Clients will bet money on the end result of 1 spin, or on a string of spins of two dice. Quite unlike blackjack, there isn’t any credible sustainable killer betting system you can play on to ramp up the odds. Roulette is an insanely popular casino based game of luck: a croupier twists a roulette wheel featuring a set of thirty seven (classical roulette) or, alternatively precisely thirtyeight (American or Vegas roulette) separately tagged chambers in which a tossed ball must come to rest, marking the winning number and its supplemental sequences. Supposing that the player wagers on a number and makes it i.e. they are indeed lucky, the payout will be 35:1, the original wager itself is tossed back. Ergo in total the bet itself is increased by thirty six.

So be emphatically attentive however, for all of these betting room gambling pastimes are awfully obsessive. A multitude of lives have probably been spoilt as a result of reckless gambling and even though it surely can be enjoyable, please do aspire to exert some restraint.

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First, let me state that I’m not an attorney and the rest of this article is just based on my experiences so I’d advise you to contact John Hyre at www.realestatetaxlaw.com to get some solid, specific advice on your particular situation.

Also, this article is not going to discuss land trusts, which some of you may have just stumbled upon. A land trust is not an entity. Although it is frequently used in conjunction with entities, it is merely a paper device used to shield property ownership from the public.

When I first got going, the recurring wisdom was that an investor should use a C corp for cash deals. By cash deals, I mean anything that throws off cash quickly. It might be a wholesale flip, retail assignment, rehab and retail, option, etc.

There were numerous reasons why this was and is recommended. First, the C corp offers great liability protection and allows the owner to take advantage of fringe benefits, thus draining the corp of excess profits through legitimate expenses.

What I’ve learned the hard way is that this entity is not necessarily better for cash deals than other entities unless you’re doing serious cash numbers. By this I mean that the added benefits that a C corp offers are not available to you without a ton of cash coming in.

Stop and think about it for a moment. Are you going to generate enough cash to pay normal operating expenses like salary, marketing, funding, overhead, etc. and still have cash remaining to set up company programs for retirement, medical, insurance, education, etc.?

Typically, the answer’s going to be “No”, at least during the formative years. The primary downside to a C corp is that any losses, paper or otherwise, do not flow through to your personal tax return. You don’t get to use them anytime soon.

When I started, the secondary recommendation for cash deals was an S corp because it did offer many of the same benefits as a C corp, yet allowed the owner to flow losses through to the personal tax return. Once the business was thriving then converting to a C corp was not difficult.

When I went through this research again about a year ago, the majority of responses I received was that I should use a Limited Partnership (LP) for cash deals with a Limited Liability Company (LLC) as the General Partner (GP). I’ve also heard others suggest using an S corp as the GP. Other recommendations included using an LLC by itself as the cash deal entity.

What about entities for the keepers? By that I mean any property that hangs around for a while and doesn’t cash out soon. It could be a rental, lease option, or any property with owner financing, including subject to (Sub2). What I was told there was the same; that an LP with an LLC as the GP was currently best.

The point here is that if you do spend the necessary time to research this issue (and you should), you are likely to get each of these responses and possibly more.

My experience is that any of these suggested entities is better than starting with a C corp as I did. Factors that should play into your decision process include setup costs and any state-specific laws for each of the entities. For example, in my state, Texas, the LLC is much cheaper to set up than an LP. However, the LLC is also subject to franchise taxes on gross receipts over 150k and the LP is not.

Confused? I agree it’s not easy to know what the right course of action is. Do you need an entity or multiple entities established before you do some deals? Absolutely not. Why go to the trouble of setting up companies for a business that you may decide to discontinue? How do you know if you’ll even like real estate investing until after you’ve done some deals? Why do you need to set up serious asset protection until you have something worth protecting?

My recommendation would be to begin to research the various entities for your state as you continue to work your investing business. In my opinion there’s no need to make things complicated in the initial stages. If there’s no obvious negatives to an LLC in your state, then perhaps that would be a good start.

I would not rush out and set up a separate entity for cash deals and a separate entity for keepers as I did. I would not set up an LP as my first entity as it involves at least two partners, one limited partner and one general partner. Entities are not set in stone. With the proper guidance and counsel from good attorneys and CPA’s, you can make changes to your business plans as the business grows.

Again, this is not something you have to figure out when just starting. Find someone very knowledgeable about real estate investing, like John Hyre mentioned above, and begin to ask the tough questions so you can make informed decisions. As your business grows, your asset protection can grow with it.

Thanks for reading. Until next time, good investing.

(c) Copyright 2003, All Rights Reserved.

About The Author

Tim Randle is a full time real estate investor in Round Rock, Texas and can be reached through his web site at www.TexasRealEstateClub.com; info@texasrealestateclub.com

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Although architectural details, wall and floor coverings, modern conveniences and many other factors are important in the buying decision, the focus of this inspection is on the structural/mechanical/electrical condition of the property.

The inspection is designed to give the real estate agent or prospective purchaser a system to detect some of the readily accessible major flaws or deficiencies in the significant components and systems of a home. It is not designed to, nor does it profess to facilitate detection of all flaws, problems or occurrences that might exist in any given home.

To maximize time efficiency and to ensure all of the major sections of the home are take into consideration, we have developed a systematized approach to the inspection. This is a simplified overview of systems that professional home inspectors use when they are inspecting a home.

To assist you in following the system, we have provided a checklist that will guide you through your own inspection.

THE INSPECTION SYSTEM

THE BIG PICTURE

The first step in inspecting a home is to examine the big picture for the home. Notice the area the home is located in. Are there other homes of similar age and construction details relative to the home you are inspecting? A comparison will give you a general idea of the upkeep of the home. Have there been significant modifications to the exterior of the building and if so, how is the workmanship?

EXTERIOR

Start at the exterior front of the house and work your way around the house (clockwise or counter-clockwise) at a distance which allows you to view a complete face comfortably. On each face (front, sides, rear) start your visual inspection at the top of the structure and work your way down to the ground and lot area. As an example, you would start at the front and note the roof and chimneys, the gutters, fascia and soffits. Then, moving down the exterior wall coverings (brick, wood, aluminum), noting windows, doors, etc. Examine any porches or decks down to the foundation, then the grade or slope of the lot area, followed by any coverings, such as flower beds, walkways, interlocking brick, driveways, etc. Move closer to the house, to examine more closely any details which may have attracted your attention, without skipping any items. Having completed the front, move to the side of the house and start the same procedure (roof to ground).

INTERIOR

On the interior, begin your inspection in the basement and then follow the system throughout each floor in the house. The system for inspecting the interior is to begin with the floor, go to the walls and then the ceiling, and then consider any appliances or other items in the room. Move from room to room, always in the same direction (clockwise or counter-clockwise) so as to not miss any areas. If you see a door, open it!

In the utility room in the basement, first notice the floor, the walls (possibly the foundation walls are visible here), then the ceiling (floor joists may be visible), then go to the furnace, hot water heater, electrical panel, plumbing system, etc. When inspecting the floors, walls and ceilings, scan the entire area that is visible, not just one section.

In a finished room you would notice the floors, walls (including windows) and ceiling. Next look for the heat sources, electrical outlets and switches, fireplaces, closets etc. In bathroom or kitchen, notice the floor, walls and ceiling, then the plumbing fixtures.

CONDITION

While performing the inspection, whether at the exterior, the interior or one of the mechanical systems, note the system first, then its relative condition. For example, if you were inspecting a wall on the interior of the home you would first note that the wall is plaster, and then examine the wall for cracks and irregularities.

PROBLEMS

The following are some typical problems or occurrences to look for in the major components and systems of the home.

ROOF

Is the ridge (peak) showing a sag, or is it straight and level?

Is the roof sagging between the rafters or trusses?

Are there any signs of deterioration of asphalt shingles, such as curling, wasping, broken edges, rounded corners or key holes (slits) becoming wider that normal?

Any loose flashings, at the chimney, roof-to-wall connection or elsewhere?
Does the wooden roof deck appear rotten or delaminated under the last row of shingles?

Are there any roof vents visible?

CHIMNEYS

Is the masonry cap cracked or broken?
Are any bricks flaking or missing? Mortar missing?
Is the chimney leaning?

SOFFITS AND FASCIA

Note whether the soffit and fascia are wood, aluminum or plastic
Any loose or missing sections?

If wood, are there any paint problems? Any visible rot?

GUTTERS AND DOWNSPOUTS

Ensure gutters slope down toward downspouts
Any rust or peeling paint?

Apparent leaks or loose/sagging sections?

Are the downspouts extended away from the foundations?

WALL COVERINGS

Look for missing mortar

Are the bricks flaking or cracking?

Look for loose, missing or rotten siding, deteriorated paint.

Does the siding appear new? Does it hide the foundation wall?

Exterior walls bowed, bulged or leaning?

WINDOWS AND DOORS

Look for problems with paint or caulking, and rotted wood components.
Are the windows new or older? Are they the original windows?

How old are they?

PORCHES AND DECKS

Cracking or flaking masonry?

Check for paint problems, rotted wood, and wood-earth contact.

Note any settlement or separation from the house.

Inspect the underside, if accessible.

FOUNDATIONS

Check for cracks, flaking or damaged masonry.

Note any water markings and effluorescence (whitish, chalky substance)
Any bowing, buldging or other irregularities?

Soft mortar?

LOT AREA

Does the grade slope away from the house?

Any settled/low areas next to the foundation, or cracked walks/driveway?
Is the property lower than the street or neighboring properties?

BASEMENT

Note any evidence of water penetration (stains, mildew/odors, effluorescence, loose tiles etc.)

FLOORS

Check for deteriorated coverings or cracked ceramics.
Any water staining or other damage?
Sloping or sagging?

WALLS

Randomly sample to check that the windows and doors work.
Are the walls straight vertically and horizontally?
Look for cracked or loose plaster.
Look for stains, physical damage or previous repair evidence.
Any drywall seams or nails showing?

CEILINGS

Check for cracks in the plaster or loose, sagging plaster.
Look for stains, mechanical damage or evidence of previous repair.
Seams or nails showing?

BATHROOMS AND KITCHENS

Check that all fixtures are secure.
Are there any cracks in the fixtures?
Note the conditon of the tiles and caulking in the tub/shower area.
Are the faucets working? Do they leak? Sufficient water pressure?
Look for staining and rot under the counter-tops
Randomly sample the operation of the cabinet doors and drawers.

ELECTRO-MECHANICAL CONSIDERATIONS

Type, style and age of heating & cooling systems. When were they last inspected or serviced?
Type of water supply piping and drains – any visible rust and corrosion?
Size and age of electical service – are the outlets grounded? Visible wiring in good condtion?
Have there been any upgrades?

Vist our website for a printable Pre-Inspection Checklist

Article submitted by the American Home Inspector Directory

American Home Inspector Directory – Home Inspectors Nationwide
National Directory of Home Inspectors. Search our database of Home Inspectors Free – Information on Home Inspections, Home Loans and Home Inspection Organizations.
http://www.americanhomeinspectordirectory.com

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My friend Ace contacts me on the phone to buzz me that he’s discovered some on-line gambling sites that I just have to check. I’ve never really been heavy into gambling, but I figured ok, I will give it a try. And Then I tested out some poker and black jack, only truthfully, they just are not my thing. So I find these online lotto sites and then I realize that over the net I can play lots of other lotteries around the planet. Now to me this looks a lot more pleasure, and so I reckon I would give it a go. In the beginning I tried out my luck at euromillions, you know a European lottery. I chose my lotto numbers and then waited and daydreamed that I may win the jackpot. I didn’t on that occasion only when the euro lottery numbers came in; I was highly surprised to realise that I had really come really close to the winning numbers. I tried out a few other world lotteries, only I felt that I had come so close the first time on the euro lottery, that I simply had to give it one more shot. So far, I have not scooped a bucket load of dollars, but then, I have won some money, and so I carry on playing the euro lotto and picking lotto numbers, going for the big break. I am one of those souls who like to think in the likelihood of hitting the jackpot, because it is tough to imagine making that kind of money some other way.

As for my acquaintance, he still continues on with his love of online gambling and finds himself at the online casino for at least 60 minutes at a time. He likewise has won some money, but it has high’s and low’s and the difference is, when you lose at gambling you usually lose a good deal but when you lose at the elottery, it doesn’t cost you as near as much. I reckon that the lotto is the only path for me to go foreward and the idea of hitting the jackpot and on top of that, it’s only costing me just a couple of dollars “makes it all more appealing”.

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BPH, or benign prostate hyperplasia, is a medical term for an enlarged prostate gland. In layman’s terms this actually means the prostate gland, a mass which encloses the urethra and lies just below the bladder, swells and this may compromise and possibly even block the stream of urine. As men age, the prostate engorges and as a result may engender ailments such as problems passing urine, decreased urinary stream, and even a feeling of fullness in the bladder even after urination. Frequent night time urination and persistent urinary tract infections are other problems which can arise due to an enlarged prostatic gland. What Is Benign Prostate Hyperplasia? Prostate enlargement is considered one of the most commonplace medical problems of males over sixty. It’s suggested that males in their 50’s undergo exam by their personal physicians each year, even should no symptoms present, to aid in maintenance of improved prostatic health. Inability to pass water or the presence of blood whilst urinating is a signal to seek swift medical treatment. Surgical operations and medication are routine treatments for an enlarged prostate. However, impotence and inability to control micturition may be observed after a surgical operation. An alpha blocker or medicines to shrink the affected prostate gland are frequently given for better prostatic function, however, medicines often lead to unwanted side effects. Which herbal options are available?

Enlarged Prostate Problems? The Holistic Way to Better Prostate Health: To assist in the reduction of the problems brought about by an enlarged prostate gland gland and also to further better prostatic health, various herbal formulae can provide ease. African pygeum cuts swelling, offering a considerable reduction of the more disagreeable symptoms. The herb African Pygeum has been utilized extensively for quite a few years in Europe as a treatment for better prostatic health, it is derived from a plant indigenous to southern Africa. Dietetic changes such as a reduction in fat intake can improve symptoms, so will getting more excercise more frequently, pressure in the prostate gland should also be relieved by ejaculating more frequently, and trying to avoid sitting for a long time. Utilizing over the counter anti-histamines and decongestant drugs may increase the symptoms of an enlarged prostate, therefore consume these with caution. Additional recommendations also include to stop drinking close to retiring for the night in cutting back on trips to the bathroom overnight, and keeping down alcoholic drinks and drinking less caffeinated beverages can reduce symptoms. Prostatic function can also be improved by other natural remedies namely saw palmetto extract, starflower oil, the chemical element selenium, and lycopene, which can be obtained from tomatoes. Before you begin that herbal therapy talk over your plans with a physician.

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On October 22, 2004, President Bush signed tax legislation that
contained a provision affecting Internal Revenue Code section 1031 (the like-kind tax-free exchange rules).

Under this new provision a taxpayer who exchanges under Internal Revenue Code section 1031 into a rental house as a replacement property for a previous investor property and later converts it to his or her primary residence, is not allowed to exclude gain under the principal residence exclusion rules of Internal Revenue Code section 121, unless he/she sells the property at least five years from the date of its acquisition.

The results of this additional requirement to Internal Revenue Code section 121 is that anyone exchanging into a rental property that they such subsequently convert to personal use will have to wait at least five years from the date of acquisition before they can sell it as their residence and exclude any gain under Internal Revenue Code section 121.

The change to the home seller rules of Internal Revenue Code section 121 became effective for principal residence sales occurring on or after October 22, 2004. Any taxpayer who previously acquired their current residence through a tax-deferred exchange within the past three years will now have to wait at least another two years before selling their home and excluding any gain, provided they meet the two out of the five-year occupancy test for living in the property.

New legislation created in 1997/1998 allows taxpayers to exclude capital gains tax on their profits from the sale of their principal residence up to $250,000 for single taxpayers and up to $500,000 for married taxpayers provided they have lived in their principal residence for two out of the past five years. Taxpayers can exclude this gain any number of times provided they have met the two out of the five-year
occupancy test.

Good luck and until next time,

Phil Craig

P.S. Feel free to forward this on to any friends.

Phil Craig is a licensed attorney and entreprenuer.
He started practicing law at age 25 in 1979.
He does not take on any more clients, but is
advisor to some of the biggest names in the internet
world. He shares his knowledge gained over the
last 25 years at his Living Trust Secrets newsletter site:
click here=========>http://www.LivingTrustSecrets.com

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in your ezine or on your site so long as you leave
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Many people encounter money problems at some juncure in their life As a result, bad-debt will likely crop up. Families can meet these issues due to loss of employment, change in marital relationship, sudden death in the family or just bad personal financial management. Businesses generally run into misfortune within the 1st few years of operation. To blame for a business failing can range from more competition, accidents, loss of significant clients to identify a few. Whatever the reason, bad-debt might lead to insolvency. However, there are alternatives to bankruptcy that might minimize damage to your individual credit report and your company credit.

Insolvency is often described as a lack of ability of a corporation or a family to satisfy the financial obligations owed to credit givers. When filing, the guarantor is made to to let go of all nonexempt possessions and real property for elimination. While private items are protected, you have to also pledge a bound share of your earned revenue to the creditors based upon a structured repayment agreement. Your credit report scores will be low for years, meaning that you will not be in condition to obtain financing for whatever private or business establishment for a extended period of time.

Problems such as outstanding debt can stimulate worry. Bankruptcy judicial proceedings are highly harsh and can lead to harsh thought processes and deeds. Searching for beneficial directions out of a lousy position prior to going to bankruptcy court of law is better. Debt negotiation could be that choice for you.

perhaps you are curious why a financial institute will wish to work with you to resolve the debt consider that negotiation is an option for them likewise. In particular insolvency judicial decisions a creditor carrying non-secured paper might obtain nothing at all. Notwithstanding, when a customer makes out a negotiation they will at least recoup a share, if perhaps not every bit, of the debt the banks possess. Remember too that when you total up the accrual that has been sent in before along with the late penalties and beyond limit charges the banks might have charged, the financier might be in the black even prior to the negotiation.

Debt resolution is a good choice for those seeking advice with overdue payments. When a single monthly installment is forgotten about, most lines of credit receive an exceedingly significant rate increase that then weighs on the existing balance. This rate hike makes it more problematic to pay off the total due in the months ahead which will likely put your debt spinning out of control. Debt settlement can allow for you to pay off your debt with just a fraction of what is owed without crushing your FICO score for a decade.

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Each element has a specific color associated with it. Because color (light) vibrates and is such a high frequency, it immediately lifts the “energy vibration” in our listings. When this happens, our listings act like magnets and attract buyers, sellers and referral business, effortlessly. This is called the Productive Cycle of Elements…when Fire creates Earth, Earth creates Metal, Metal produces Water, Water feeds Wood, and when Wood fuels Fire. Learning the “proper placement’” of these elements in your listings… to lift Ch’i..ENERGY..will exponentially increase buyer activity.

Conversely, when one or more of the elements are out of balance in a listing… buyers do not stay long in a property and Realtors® do not write offers on them. For example..too much Fire in a listing burns Metal, too much Metal chops Wood, too much Wood sucks the nutrients from the Earth, too much Earth dams Water, and too much Water puts Fire out. We refer to this as the Destructive Cycle of Elements.

Realtors® around the world who Feng Shui for success are soaring in their real estate careers. Today they even Feng Shui listings that they know will sell quickly within a day or two, because they have learned how to create billboard advertisement to attract more listings, buyers and referral business, effortlessly. In addition, they are Feng Shui’n their offices and desks and are using the Five Element Business System to support higher volume sales. Many realtors® and lenders have tripled their business in record time by using this color code system, and by honoring their “personal” power directions for career success.

Every building in real estate is one of the Five Elements, as is every human being. Our bodies are comprised of all the elements; however, we are predominantly ONE. Listed below are some qualities of each element. See if you can guess which element you are!

Wood

Wood is creative and innovative. Wood can be pliant and bending (willow) or strong and unyielding (oak). Wood is sociable and community minded. Wood also represents the color green, the season spring, and the direction East. Wood also represents birth and early childhood.

Fire

Fire gives energy and enthusiasm, but can also be a sign of danger. When too much fire is present, it can be destructive. Fire warms and cheers, but it can also burn and destroy. Fire is the element of the natural leader. Fire represents red, Summer and South. Fire represents the growing years before puberty.

Earth

Earth gives stability and also relates to real estate and legacies. Earth is patient, just, honest and methodical. However, it can also be smothering and demanding. Earth represents the color yellow, the center and the teenage years and motherhood.

Metal

Metal indicates harvest, business and success. This is usually financial success. On the negative side, metal can also indicate a sword or a knife and be destructive and violent. The color is usually white, but can also be gold. It is the season Autumn and the direction West. Metal represents youth.

Water

Water indicates travel, communication, and learning. It also relates to literature, the arts, and the media. Water can be both gentle (soft rainfall) and violent (a storm). Water nourishes all living things, but can also gradually wear away the hardest rock. It represents the color black, the season Winter, and the direction North. Water represents elders.
As an individual/realtor®, depending on your Personal Element at birth, you have specific compass directions that empower you when… writing a contract, negotiating a sale, talking to a first time buyer vs a high end client, as well as directions that help to improve your health, wealth, love and good fortune. To discover your personal power element for career success, click on to www.ChiQuiz.com, today.

Feng Shui is not superstition, philosophy or a religion.
It is the art and science of living in harmony and in balance with the environment.

Feng Shui is no longer “exclusively” a Chinese art and science..all people and all cultures of the world are embracing Feng Shui principles to create more … peace, prosperity and good fortune… in their lives and careers.
Feng Shui is not superstition, philosophy or a religion.
It is the art and science of living in harmony with our interior and exterior environments.

Suzee Miller is a nationally recognized expert on Feng Shui principles and their applications in business and real estate. She has authored 17 audio programs on Feng Shui and appears as a frequent guest on radio and television talk shows. Dedicated to healing the planet and to empowering people, Suzee is fast becoming the most sought after Feng Shui speaker and consultant in the nation. For more information, click on www.FengShui4RE.com

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