Friday, October 31, 2008

2007 Residential Real Estate Forecast

In many ways 2006 was the non-year for real estate. The National Association of Realtors(R) reported that sales will be down in 2006 about 9 percent from 2005, a record setting year.Many markets waited for spring market which was disappointing. Markets then believed buyers would re-group in summer,and buyers were a no-show. Fall and last market hopes were dashed when fall came and went, with plenty of traffic at open houses, but few contracts.

Pent-up demand from a lackluster 2006 should drive buyers back to market. But, these savvy buyers will be on the lookout for realistic prices and seller give-backs. Most buyers will tell you point-blank that their income gains in the last five years have not matched rises in home home prices. Real estate markets won't bounce back until home sellers realize as prices go up, the pool of buyers shrinks proportionately. Buyers with a home to sell will include a home-sale contingency, so sellers should be prepared to accept one.

Inventory levels will remain in the six to seven moth range. Listing leftover's from 2006, will roll into 2007. The leftovers are either un-realistic sellers whose pricing is from the froth years or thier homes haven't been updated to keep up with the stiff competition and time-starved buyers.

Mortgage rates will remain in the 5.5% to 7% range. Historically low, but low rates by themselves haven't motivated buyers to write real estate contracts in 2006.

Foreclosures will rise. Risky loans such as Interest-Only, Option ARM's and 100% financing will tap out buyers whose used these appreciation-oriented mortgages.

Prices will drop 4-10% before leveling off in the majority of non-seller's markets. Homes that are priced right and are in good condition which offer features and finishes that buyers demand, will sell close to list price in moderate market times. Flat or negative appreciation.

Florida, Arizona, California and Washington D.C., will have unstable markets. Until sellers get a reality-oriented wake-up call markets in these locales will sputter and hiccup.

Ten states posted solid sales gains in the second quarter of 2006 versus 2005. Reported the National Association of Realtors(R). The gains ranged from an impressive 48% in Alaska to a low of 5.3 percent in Georgia. The other eight states included Arkansas, Texas, North and South Carolina, Vermont, Tennessee, New Mexico, and Wyoming.

Residential real estate will return to being viewed as shelter and housing and trend away from being viewed as a speculative investment.

What about 2008? Stable, pre-frenzy market with appreciation at 1% annually.

Mark Nash, is a residential real estate author, broker, columnist and writer based in Chicago. His fourth book 1001 Tips for Buying and Selling a Home received eighteen five star reviews on Amazon.com. His latest book; Real Estate A-Z for Buying & Selling a Home will be published in December 2006. Mark publishes a free monthly ezine for real estate professionals. Agent to Agent features ten articles that offer free reprints for agents, home buyers and sellers through EzineArticles.com . Real estate news and book reviews, Celebrity Homestyles, Home selling and buying tips and advice, Joke-of-the-Month, Help this Agent, and agent marketing tips. Over 5000 subscribers in the U.S. & Canada. Subscribe at: http://www.1001realestatetips.com/forrealestateagents.html

Thursday, October 30, 2008

How to Pick a Baby Car Seat

Because of our lifestyle today, it is very common for us to bring our baby to places such as the shopping mall, the hospital etc. Anywhere you bring your baby, you're likely to drive the car; thus, it is extremely important for the baby to have a good car seat for safety. However, buying a good car seat may be quite difficult, and there are many different aspects you will need to consider before making a purchase.

Where it's facing, and shape

Make sure the baby seat you're purchasing is facing the rear or can face the rear. This help prevents a lot more unhappy endings. Not only should it be facing the rear, the baby car seat should be tilted backwards a bit; thus, they're more looking relaxed when in the seat rather than sitting straight up.

After the baby is around 20 pounds are so, they will need to be moved to a car seat which faces the front. These seats are much more uptight, but there are still some models which can provide a more relaxed seat. Make sure that before moving your baby to a car seat facing the front, your baby can sit up on their own.

Light and easy to carry

Babies love to sleep! It is very common for babies to sleep in the car while in the car seat. If you were to remove them from their comfortable car seat, it would surely awaken them. Thus, look for a car seat which is also light and easy to carry, so you don't have to disturb when they're sleeping. It becomes a lot more convenient to carry your baby from the car to the house.

Brand new

Ok, so maybe we're in to recycling and reusing as so forth now; however, you don't know the history of the car seat when purchasing it. Used car seats may have damages on them that are naked to the visual eye, and would create a greater impact on your baby if anything was to happen.

Back seats

Just a reminder, always put the car seats at the back. As much as you would love to stare at your baby when the traffic light turns red, and as convenient as it is to have your baby beside you, it is dangerous for your baby to be in the passenger seat. Always put them in the back seats as the impacts are not as huge.

Wednesday, October 29, 2008

History Of The Great Ford Mustang




 



History Of The Great Ford MustangSubmitted By: ClassicMustangs   
















As far as the consumer is concerned, the history of the great Ford Mustang began when it was shown to the public at New York?s World Exhibition. The prototypes had been in existence since 1962, with the Mustang 1 (T-5) being first introduced to the motor racing world at the Watkins Glen Grand Prix where Stirling Moss and Dan Gurney drove it for a few laps each as a demo.


In the early 1960s, Ford desperately needed a new car to compete with the sporty Chevrolet Corsair Monza, and its first attempt, the Falcon Future, failed to compete. A brand new car was needed, and the idea for the Mustang was born. It was sporty and quick and a four seater. It was appealing to youngsters, and the prototype was well received when shown at the motor racing circuits.


It went in production in 1964, and was an instant hit. Its launch on 17th April, 1964 was the beginning of what was to be the most popular car ever in American history, and it sold half a million in its first year. Its customers included every age and it was equally popular to men and women.


Many of its parts were taken from the failed Falcon, and its immediate success had as much to do with the almost perfect advertising campaign as it had to do with looks and speed. The advertising power of the three major television networks was used extensively, and with its distinctive mane and tail galloping across the red, white and blue of America the ?Pony Car? was the phenomenon of its age, representing the flavor of the 1960s more perfectly than its designers could ever have dreamt possible.


It was a car of its day that arrived with perfect timing. Later to be called the 1964?, the original Mustang was available as a convertible and as a coupe, both with chrome wrap-around fenders, the distinctive chrome grill with running pony, and a lengthened hood. Although it claimed to have four seats, the back seat was a bit small and it also sported three tails lights on each side. It has sold a million by 1966, although before that the GT and fastback model had been introduced.


The car continued to progress, and by the end of the 60s had become longer by four inches, and a lot heavier than the original, much of this in response to the development of Chevrolet?s Firebird and Pontiac. It was the Corvette, however, that brought the Mustang into the road racing arena. The Mustang was so popular, especially with the young, that Ford were desperate to race it against the Corvette. However, only production two seaters were allowed to race, and to enable them to do this at least 100 two seaters had be produced by January 1965.


This was achieved with the help of Mustang fan and racer, Carol Shelby, who modified 100 of the 2+2 models into GT 350 models, in the process re-equipping them to render them more suitable for racing. The suspension, wheel and brakes were all modified, and the cars were to become the basis of many future models that are even now are much sought after.


During the early 1970s the Mustang lost its way a bit and became a bit too big and unwieldy. The original grace and ?lan that so attracted early admirers was lost, and it became just another car. Part of this was due to emissions regulations, but sales dropped so much that Ford had to rethink its design strategy with the Mustang.


The Mustang II was introduced in 1974, and although it was small and vastly underpowered, it takes its place in the history of the car because it brought to a halt the drop in sales. It sold because of economy in fuel, and the 1973 OPEC fuel embargo. People were afraid that a gas guzzler would hurt their pockets, and so temporarily went for the smaller car. However, this did not last long, and 1975 brought back the V8 engine to the Mustang. However, although it had a 5 liter engine, the carburetor was too small and the catalytic converter combined with that to render it lifeless.


Then came a period of relative stability although there were a few trim changes. Fans must have seen the end coming because the late 1970s saw a slight increase in sales, rather than the drop that model now deserved. The Cobra II and King Cobra versions did little to spark a return to the glory days for the 1960s, and Ford made a last ditch attempt to rewrite the Mustang in 1979. The new Mustang was available as a coup? or fastback with a bit more room inside than the either the original or the ill fated Mustang II.


However, the running horse had gone, and the rear lights lost their distinctive three segments: this expanded to six, while the side scallop also disappeared. It no longer resembled a Mustang! Alterations continued to be made, and the California Highway Patrol found a use for a special coupe model as a high speed pursuit vehicle. With its 157 HP V8 engine, this car was used by a number of law enforcement agent up until 1993, when Ford killed them off.


The fans were wrong, however, and development continued as the Mustang conformed with the coming of fuel injection, air bags and other essential improvements, though the original concept had completely disappeared. In 2005 Ford finally ditched the ancient Fox platform and introduced that now used for the Lincoln and the Thunderbird. The newest Mustang has reverted to some of the original features, and it is a miracle that the car has survived so long.


Nobody involved in 1962 development team would have believed that the great Ford Mustang would still be around 45 years later.














Article Tags: car, ford, mustang













Tuesday, October 28, 2008

Rules Of Backgammon

When you find something really good, there's no need to improve upon it. Take the game of backgammon for instance. It's been around for a long, long time, but the game of backgammon has not changed. No one has created a version with blinking lights, or made it more extreme. That's because backgammon is easy to learn, fun to play and you can finish a game in just a few minutes. How can you improve on that?

The main objective in backgammon is to move all of your game pieces from one side of the playing board to the other, eventually removing your pieces from the board. If you are the first player to move all of your pieces off the board, congratulations--you are the winner.

On alternate turns, each player rolls two dice. The numbers rolled will determine how many spaces the game pieces can be moved. The individual number on each dice represents each of two different moves. For example, if you roll a 4 and a 3, then you can move one game piece four spaces and the other piece three spaces. You also have the option of moving one game piece seven spaces.

Whenever possible, it is essential that the active player use both of the numbers rolled. When only one number can be used, the player must play that number. If neither of the numbers can be used, play moves on to the opponent. If they roll two many numbers, then the player can move as many spaces as there are available. On each move, a game piece can be moved on to an open point, a point protected by you, or a point with only one of your opponent's pieces on in.

If you roll a double, you are able to play twice the number shown on the dice. For example, if you roll two threes, then you can move four pieces each three spaces, or you can move one piece twelve spaces.

The game is finished when one player removes all of his or her playing pieces by counting off. The loser then determines how many points are lost. If the loser has removed at least one game piece, he or she loses only the value showing on the doubling cube. If, however, no pieces have yet been removed, the losing player is gammoned and loses twice the value of the doubling cube. Backgammon occurs when the losing player has not yet taken pieces from the board AND still has pieces in play in the vertical area of the board. In this case, that player loses triple the value of the doubling cube dice.

Backgammon rules can seem confusing at first, but it really is a very easy game to learn and to play. The best way to learn is to play with someone who understands the game, and keep a copy of your backgammon rules close at hand.


About the Author:

Nancy Anderson contributes articles to several popular Internet magazines, on hobbies and sports and travel and hobbies topics.


Monday, October 27, 2008

Realtors Predict Falling Home Prices

According to the National Association of Realtors, home prices will probably fall temporarily as the housing market corrects itself.

Prices are expected to bounce higher in a few months as the market works through a build in housing inventory, said David Lereah, chief economist for the NAR.

Median home prices are expected to increase 2.8% this year, with 2007 seeing an increase of 2.2%. Median new home prices are expect to rise only 0.2% in 2006, but are said to increase by 2.4% in 2007.

After inflation adjustments, the realtors project that median home prices will be lower at the end of 2007 than they are now.

Existing home prices have been rising at an average of 9.6% a year for the past four years, ahead of the inflation rate. New home prices were up 13.3% in 2004 and 9% in 2005.

This year sales are slowing, home are plentiful and sellers are negotiating, Lereah explained. Under these conditions, we'll probably see prices dip temporarily below year-ago levels as the market works through a build up in housing inventory.

The real estate group is forecasting existing home sales to fall 7.6% in 2006 and an additional 1.7% in 2007. New home sales are predicted to fall 16.1% in 2006 and 7.1% in 2007. Housing starts are expected to be down by 9.6% this year.

Martin Lukac represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate and mortgage rates. We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

Saturday, October 25, 2008

Why Real Estate Remains A Great Investment

One of the things that I noticed as I started learning about money and investments is that most great, lasting wealth seemed to have been made through real estate investing. Where real estate wasn?t the great driver, such as the Internet and telecommunications booms of the early 90?s, the smartest people redirected cash earned into real estate holdings.

It is still a good idea to use this approach today. No matter what you do for a living, I encourage you to consider getting involved in real estate investing. There are a lot of ways to do it, and we will cover some of them in future articles. For now, let?s examine some of the reasons why real estate works so well for those looking to build long-term wealth.

1.Income. Real estate investing offers you the chance to earn both active and passive income. Unlike your job, where you trade your hours and effort for cash, many real estate investments allow you to leverage capital. Your money makes you more money. Your earnings can actively involve your time and energy (such as managing rental properties) or you can trust others to manage your holdings (REIT?s and some limited partnership structures). Your choice should reflect your goals and lifestyle preferences.

2.Tremendous Tax Benefits. The benefits of owning property can have to do with the write-offs against the rental income. Your costs in marketing your property, cleaning and maintaining it, insuring it, screening tenants, etc. can be deductible. Other deductions typically include insurance payments, taxes, depreciation and interest expenses on any mortgages used to secure the property. While you can?t write off the principal payments on your mortgage, these payments can be figured into your depreciation calculations and benefit you thereby.

3.Asset Appreciation. Another great feature of real property is asset appreciation. That is, the underlying asset that is actively generating income and tax savings for you is also increasing in value and building your net worth. This should work two ways: the principal portion of your payments is reducing your debt and the marketplace is raising the value of the property. For example, market values of homes in my town increased by 9% last year. Some markets routinely see double-digit increases. On average, Houston real estate appreciates by 3-5% annually.

4.Stability. Investing in real assets can shield you from some of the fluctuations that exist in the stock and bond markets. While real estate does have cycles (just like any other asset class), demand for single-family housing - whether for rental or purchase - is fairly consistent. Relative to other investments, its fluctuations aren't as broad. While it may not hit the high highs of tech stocks, for example, it typically doesn't bottom out as dramatically either. This feature can be tremendous in a well-balanced portfolio.

5.Involvement. This is the fun part. Investing in real estate offers you a chance to ?kick the tires? more than virtually any other investment. This can make it a lot of fun. But, it?s not just fun; it?s protection. No one will be closer to the performance of your money than you. And that?s a good thing.

If you need help evaluating opportunities or financing your projects, contact me today. I have a free ?Deal Evaluator? in Microsoft Excel format that I will send you free when you e-mail me. Many real estate investors have found it helpful.

I wish you great success.

Mark Anthony McCray, author of the upcoming books, ?The 31 Rules for Succeeding as a Mortgage Broker? and ?The 31 Rules for Prospering Financially? (http://www.the31rules.com), is the Founder and CEO of Houston, TX based First Capital Mortgage Company (http://www.dealsdone.net). First Capital is a commercial mortgage banking and brokerage firm that has helped its clients leverage millions of dollars in financing for their real estate acquisitions, developments and investments over the years. Write to Mark at mark@dealsdone.net or call 713-267-4040 for more information about the author or First Capital?s services.

Friday, October 24, 2008

New Homebuyers: Have You Considered the Hidden Costs of Owning A Home?

There?s no better feeling than pulling into your driveway ? cutting your lawn ? cooking in your kitchen ? swimming in your pool. After all, owning a home is the ?American dream?.

But the cost of maintaining your home can quickly turn into a nightmare, if you are not prepared.

When you go through the home buying process, you?ll learn all about the mortgage, closing costs, homeowners insurance, down payments, inspection. These are all standard expenses when buying a home.

But what happens after you move in?

Here are 5 ?hidden costs? all first time homebuyers need to consider when planning your budget for your home purchase ? so you don?t end up in a pile of credit card debt:

1) Furnishing your home ? if you?re buying a home that?s bigger than your current residence, make sure to have some money set aside for new furniture. Having lots of rooms is nice. But having empty rooms can get frustrating very quickly.

2) Tools and equipment ? if you?re renting, most (if not all) of the maintenance is done by the landlord. Stocking up on new hardware, lawn equipment, power tools all cost money. And while your first trip to your local home improvement center can be exciting, it can also be very expensive, so be prepared!

3) Replacing broken items ? one of the most unpleasant aspects of owning a home is maintenance. No matter how old or new the house is, things break. And they often break at the wrong times (when money is tightest, right after a big expense, etc)! Fixing a broken lock is relatively simple and inexpensive. Replacing a furnace or roof usually requires an expert, and a big savings account.

4) Fees for services ? if you are hooked up to city water and sewer, there is usually a fee that is not covered by your local property taxes. If you have a well and/or septic tank, these require periodic cleaning and maintenance. You may also have to pay for garbage pickup, recycling, lawn maintenance, snow removal, etc. While most of these are not that expensive, they can add up quickly!

5) Making the house ?yours? ? even if you move into a house that is in great shape, chances are you will want to add your own personal touch. If you move into a house that needs some work, you may have to add lots of personal touches (and lots of paint and accessories). Even if you like ?do-it-yourself? projects, materials cost money.

And don?t underestimate how much time you?ll spending getting ? and keeping ? your house the way you want it.

Don?t be discouraged by all the ?hidden costs? of home ownership. Just make sure you have a budget, and a plan, for making your house your own!

Kris Bickell is the owner of http://www.HouseBuying-Tips.com, a site that helps first time home buyers avoid the costly mistakes that many new homebuyers make. For more tips on buying a house, getting a mortgage, finding a realtor, and getting out of debt, sign up for the free ?How To Avoid These 10 Costly Mistakes When Buying Your First Home? email course at: http://www.HouseBuying-Tips.com/

Thursday, October 23, 2008

Are Traditional Family Games a thing of the past?



Board games have evolved massively over the years. As a child my memories of board games were Monopoly, Draughts, Cluedo, Guess Who and many many more. All games that we could play as a family to pass the time away. Hours of fun was had by all.


My favorite game was Monopoly a game that give me an insight to Real Estate (ironically enough, I now have a career as an Estate Agent). Is that a coincidence or did my childhood obsession with Monopoly play on by subconscious?


Many Sunday afternoons were spent with my four sisters playing, or should I say rowing over this fabulous game. The first row would normally be about who would like to be the iron, shoe, car etc (these were the items that you had to chose from to represent you on the board as you played). My favourite was always the dog!


The next row would be about who went first, and then the next would be about who would play the role of the Banker.


Finally the game would begin, and how much fun we had. Hours and hours of fun week after week.


How things have changed? Today, whilst we still have the old traditional Board games, and I guess we always will, Games are far more advanced, and are often played on computers, or via DVD Players using your Television sets.


You can now play a board game on your own against a Computer (who will act as your opponent) as opposed to playing with friends and/or family. I find this quite sad, especially knowing how much fun we had as children interacting with each other, and observing each other as we rowed over such meaningless but then important issues.


I now see my own nephews spending hours on their own in front of a computer playing games without any physical human interaction, whilst their parents get on with other things. I guess one advantage is that if you are an only child you don't miss out on not playing games just because you had no-one else to play it with you. The Traditional games such as monopoly can now be played on a computer and the Computer can act as your opponent. You can even set what level of difficulty you want to play at.


The disadvantage to this, in my opinion is that the family getting together and interacting with each other seems to be a thing of the past.

About the Author


Wednesday, October 22, 2008

Don't Let Rent To Buy Enter You Decision

First time home buyers you may have seen Rent to Own signs popping up everywhere. You should read ?Beware? instead. ?Rent to own? has never been really a ticket to ownership. But it is mostly a marketing technique to lease houses property owners can't sell. In fact there is little benefit to the renter, even for a renter who bad credit or too much, debt to qualify for a mortgage. These deals almost never end up with a purchase and you might actually lose money. Currently there is a growing list of unsold homes and prices aren't rising as quickly at the same time. The situation has pushed some owners, and above all speculative real estate investors, to rent these houses.

Basically in a Rent to Own deal you are supposed to pay a credit part of each month's rent towards the purchase price of the home. The idea is to rent until you had accumulated enough for the down payment, which is usually 10% of the purchase price or more. But lenders now make home loans with little or no down payment. Rent to Own deals require you to pay an option deposit. It is non-refundable, but it is usually credited toward your down payment. If, when your option to buy comes up, you cannot or do not wish to purchase the home, you lose that money. Besides real estate investors use the purchase option to justify higher rents and lock you into a purchase price that is higher than what comparable houses are selling for on the market. Some renters don?t take into account that in addition to the high rent they will have to pay insurance, property taxes and maybe private mortgage insurance, which is required if you don't have 20% down. Unfortunately, some renters don't realize they cannot afford to buy until it comes time to exercise the option.

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Tuesday, October 21, 2008

A Wider Narrow Road: Headed North with Matsue Basho

?As we turn the corners of the narrow road to the deep north, we may soar with exhilaration, or we may fall flat on our faces?? -Matsue Basho

My thumb hung above the road like a halo, like the last leaf on an apple bough in autumn, reflecting the headlights of passing cars.

I was standing on Japan 232, that drifting highway which runs along Hokkaido?s western coast, stretching up Japan?s north island, her great backcountry, to the northernmost point of this ?Land of the Gods.? My tired rucksack and ?otsue,? bamboo staff, were leaned just so against cedar telephone pole, bathed in the crimson hues of one star?s plunge into the Sea of Japan. My toes were snug inside the ?tabis? I?d purchased in Tokyo, those two-toed slipper-shoes worn by the ninja of old and laborer of the modern day. On my head was the conical straw hat, the ?kasa,? of monk and rice farmer, and I held a cardboard sign ? my license, my very identity here ? baring the Japanese glyph, known as kanji, that I could not read. In thick black ink of many strokes, it said simply, ?North.?

As another sleek and shimmering car slid past into the lurking darkness, as the gulls? sorrowed cry grew soft in the now violet mist, I could not help but think of another faux-monk, another journey to Japan?s deep north.

Basho, of course, walked. In the spring of 1689, when the poet set out from Edo (modern day Tokyo), he didn?t have much choice. Headed for what was then Buddhism?s northernmost reach in Hiraizumi, old Matsue visited shrines and hermitages, waterfalls and battlegrounds, continuing the development of haiku verse from a comical parlor game to a means of communion with essential reality. He slept in the barnyards of local inns, sought out places of isolation, and came to represent the ideal of 'fuga.' According to the poet, one who comprehends ?fuga? will ?follow nature and befriend the four seasons? in whatever they think, they think the moon.? At 46 years old, Basho?s northbound saunter ended up traversing over 2400 kilometers in 156 days.

Matsue likened himself to a bat. Unordained yet donning the Zen monastic robes, his life embodied neither the mouse of worldly desire, the ground-level hustle-and-bustle of the working world, nor the bird of lofty religious ambition. With an interest in Zen philosophy and aesthetics, and a reverence for the stark realities of day-to-day life, the bat flew free. If the wandering bat known as Basho were to make the same trip today, chronicling the call of the cuckoo, the perfect silence of stones in the evening, he might well end up on a freeway access ramp.

I too was headed for the northern extent of Buddhism in Japan. And while my ?otsue,? ?tabis,? and ?kasa? didn?t make for an overly convincing monk-disguise alongside tattered Carhartts and ?Phish Tour ?98? t-shirt, I also felt something of a bat. With no job and no real economic ambition, a propensity towards poetry and mountain heights, and the aching knees of a recently completed 70-hour Zen meditation intensive, I was far removed from the rat-race so prevalent in Japan?s urban centers. In a world where not a single ?salary man? makes use of his sick days or allotted vacation for fear of dishonor to his company, where ?karoshi? (death by overwork) is an increasing problem, I certainly didn?t feel like no mouse. I?d spent the last six months living in monasteries throughout Central and Eastern Asia, cooking and harvesting, meditating in snow and caves and below the threat of a beating by the ?kiosaku? (?stick of awakening?). Yet I had no plans for ordination, and often felt adrift in the heights of these religious realms, the conduct and ceremony, disconnected with the mountains that always seemed so close. So I stuck out my thumb and pushed northward, visiting places of quietude, of those made famous by battles and bards, and I watched for the waning crescent that would soon reflect in roadside surf.

A short lift among fish heads in the cab of a bouncing pickup left me beneath a streetlight in Tomamae, still over 100km from my destination. The night air was damp and cold, and a steady breeze blew in from the Siberian wild-lands across the sea. A vending machine, affront the ubiquitous Japanese convenience store (or ?convenie?) across the street, bid an automated good morning to no one. With over 6 million vending machines in Tokyo alone, one for every two people, the vacant ?ohio gozaimasu? that issued from the built-in speaker was hardly a curiosity any longer.

The simple elegance of old Matsue?s flow through Honshu was captured in his most highly regarded work, ?Oku no Hosomoichi,? or ?The Narrow Road to the Deep North.? This slim volume, a mixture of simple prose known as ?haibun? and a number of poems, is perhaps haiku verse at its most essential ? an embodiment of ?sunyata? (emptiness), a glimpse of ?tathata? (suchness or ?the thing itself?), and a transcendence of subject-object separation. This oneness with reality, its impermanence and lack of definitive substance, finds expression in Zen thought and practice. Other Japanese arts, and those few with the ability to elevate their craft to realms approaching the spiritual, likewise encountered these tenants of Zen. Sesshu in ink painting, Rikyu in tea ceremony, Saigyo in ?waka? (traditional song), Sogi in ?renga? (linked verse) ? all, like Basho, were able to contact the Self that is one with the universe. Through haiku, Matsue touched nature itself, avoiding such dualistic perceptions as ?good versus bad,? ?the poet versus the object of poetry.? Basho instructed his disciples to ?learn from a pine things about the pine, and from a bamboo things about the bamboo.?

Pines were swaying in the shadowed seaside abyss of Tomamae, yet I could discern their delicate needles only in the glow of vending machine luminescence. On the side of a road in Hokkaido where not a car passes, in a fishing village that did not appear on either of my two maps, leaning on my ?otsue? with a cardboard sign I could not read, only one question came to mind: What things about a vending machine can I learn from the vending machine?

A small white van, seeming to belong to some future epoch, hummed to a stop before the ?convenie? across the road. ?Ohio gozaimasu!? echoed through the night in automated cheer, while I deflected my cardboard kanji against the headlights cutting a hole in the darkness. I shuffled my ?tabis,? straightened my ?kasa,? and sighed with great distinction. A small man, in business suit and necktie, slurped down a ?Picari Sweat? sports drink, returned to his cyber-van, and began to glide out of the store?s parking lot. He paused his futuristic auto, perhaps weighing the fear of ?gaijin? (literally, ?outside person?) that seems to so saturate the Japanese character. A moment later, and the van pulled up beside my tired rucksack. Beeps and buzzes emanated from somewhere before me, locks disengaged, and a sleek door stood ajar.

The verse that exuded from Munefusa, the man who would take on the moniker ?Basho,? ?banana tree,? after his hermitage of the same name, is seeped in those sentiments the Japanese label ?wabishii? and ?sabishii.? These largely untranslatable terms point towards a certain essence of poverty and solitude, a starkness in existence, an energy of simplicity, lonesomeness, and quiet contentment. These notions and the feelings they evoke are found in all Zen-related arts, from rock gardens to flower arrangements, but seem most readily captured in haiku poetry. In portraying the call of cicada and cricket, the phases of the moon and the changing seasons, falling snow and falling leaves, plum and cherry blossoms, mountains and mist, haiku attains a sentiment buried deep within us. In his wanderings, in his reverence for mountain hermitages and the ever-changing nature of the world, Basho came to live the ideals of ?wabi-sabi,? inseparable from the poems to which he gave birth. In 17 syllables, Basho?s verse communicates the solitude of the crane or the simplicity of a snowy river, and allows the reader to likewise experience the fundamental energy of things-as-they-are, of this world of dew.

I followed the neon glow of headlights as it spilled across the wide and empty highway and out onto a troubled sea. I could make out the worn features of my driver in the din of the dashboard computer screen, which now comes standard on all Japanese domestic autos. He wore his black necktie loose around a frail neck, though the topmost button of his starched shirt remained tightly fastened. Various brands of ?energy drinks? were scattered across the floor and console, and he sucked down another (this one containing nicotine) before triple-checking the GPS map-guide in the dashboard. We were both headed for Rishiri-to, a lonely outcrop of an island off Hokkaido?s north coast, where my driver would find some downtime from the used-car business, and I?d encounter the Buddhist temple at the end of the road. So we hummed down the smooth highway, the sound of sea mixing with the vibrations of digital progress, a dashboard computer pointing the way to the deep north.

For months in this ?Land of the Gods,? I?d asked anyone with adequate English skills for a translation of ?sabishii.? In response, I?d received everything from ?essential energy? to the ?the spirit of tea,? from ?gentle sadness? to ?being alone and hurting but glad.? More often then not, among young Japanese who spoke good English, I received something of an aloof frustration after my inquiry, and the admonition that ?sabi? was simply something I could not understand. There seemed to be some confusion between ?gaijins??? inadequacy in expressing such deep sentiment in their native tongue, and a given ability to experience the sentiment itself. For while the creators of the Japanese language were sensitive enough to have given verbal expression to something so delicate, so gentle and pure, they did not create the feeling this word articulates. ?Wabi-sabi? is not bound to the vernacular, let alone geographic distinctions of language. Words, of course, are not the thing itself to which they make reference. Old Matsue knew this well. As in Zen, which largely believes in saying by not-saying, the 17-syllabul restriction of haiku allows for minimal barriers in pursuit of essential reality. Insofar as words are commentary and conceptualization, rather than the thing itself, haiku does away with needless addition. The old Zen idiom concerning words as ?fingers pointing to the moon? finds resonance in the starkness of the haiku form.

The lights of Wakkanai, the last port city on mainland Hokkaido, appeared in the distance. As we careened up the wide highway, I glimpsed the rusted wreckage of Korean flight 007, shot down by Soviets in 1983. Twisted metal slept amidst the foaming surf, waves collided with cliff sides, the sound of cyber-van and the hiss of salty air slid through tinted windows. A horsefly met the windshield in a display of reality, and my driver sipped on another ?Picari Sweat.? The wind smelled of sea and spaciousness, and I sighed to think of the weeks that had passed since I?d held a fluent conversation in English. My driver seemed weary yet tense, too much caffeinated-nicotine perhaps, his bloodshot eyes a mirror of my own. Horsefly remnants dissolved in a thickening mist. The lights of Wakkanai blurred, the dashboard computer screen stuttered and went black. Rain fell through the night.

?Eego de sabishii wa donna ima desu ka?? the old familiar question slipped out in broken Japanese. The answer, from a used-car salesman somewhere on a wide highway in the north, came in soft but deliberate English. Water fell from the sky; I thought of a crescent above the clouds.

?Just this,? he replied.


Monday, October 20, 2008

Are You Confused About What Bra You Need?


Are you confused about what bra you need? Do you need an Underwire for support? What is a wireless, strapless bra?


The reasons for some common ailments like backache, strains and poor posture, can be linked to simply selecting the wrong type of bra. Taking a little time to learn what the different types of bra are actually for and selecting the right one, will no longer seem like your sitting a medical exam.


So many types of Bras have been produced since their first appearance. Thanks to lots of research and modern manufacturing techniques, women don?t have to struggle to fit their upper body and chest into oxygen restricting contraptions anymore.


Most of today?s bras are made of lavish fabrics, made to support, uplift and enhance a woman's breasts.


See through, specialty bras, wireless, underwired, nursing, maternity bras, sports bras and even strapless and backless bras are just some of the types available. There is a bra on hand to fit any bust size.


Imagine going for a run without one?
A time when a bra can prove indispensable is during and after pregnancy and for use during sport. Sports bra's that provide that much needed support during heavy physical activity are appreciated mainly by women with larger chests.


How easy is it now to feed your baby while you are on the go?
Pregnant women have access to nursing and maternity bras, which makes breastfeeding on the go a piece of cake. Innovative designs allow discreet feeding and offer comfy support for when a woman's breast Size can change or alter in a time span of weeks or months.


Some women have a preference for underwire bras because they believe they offer the best support. However, for other women underwire bras can be uncomfortable. Thanks to the manufacturers there is a huge selection of Wireless bras that are both gratifying and supportive as their wired counterparts.


In the following pages to come, we have categorised the most popular types of bras and listed their benefits and descriptions, so you can gain a further understanding and pick the right bra for you.



About the Author

Vanessa Cane is a succesful freelance writer providing valuable tips and useful advice for online purchasers of items, from just a plain old bra, to a plus size bra. Her numerous articles offer money saving advice and refreshing insight.

Sunday, October 19, 2008

Friday, October 17, 2008

Tips for Your Baby Car Seat Purchase!

It is crucial that parents have a baby car seat before they leave the hospital with their newborn baby! The newborn baby that rides in the back seat of the car that is rear-facing is the safest position that one can have them in their automobile. In fact, some hospitals and maternity wards may not even let you leave without have your baby's car seat properly checked out to make sure that it's safe. So here are a few tips to make sure that your car seat doesn't pose a problem for your baby.

Buying Brand-New is Best

For your baby's car seat, buying one that is brand new is best. Most of the second-hand car seats that you buy at a garage sale or from someone's ad in the newspaper may not be the safest and the best option. For one thing, it is crucial that you know the history behind the car seat. If you buy one second-hand, chances that you'll know the history of the car seat is slim, By history, I mean finding out whether or not the baby car seat has ever been in an auto accident or not. Has the car seat been dropped at all? Even though it might not looked damage, it is crucial that the functionality of the car seat remains intact. This is why buying a brand new car seat is best for your newborn baby!

No Extra Padding

Buying after-market padding for your car seat is advised against for so many reasons. One reason that it is unsafe is because your baby could potentially be harmed if you were ever in a car accident. The padding that comes with the manufacturer's car seat, however, is perfectly okay to keep with your baby. Usually these are the ones that have a specific place for the baby's head. But an after-market padding for your baby's head could harm him or her if ever in an auto accident or even by a sudden stop of the car.

Once you get to the hospital to have the baby there will be all sorts of things to be worried about. Thinking about the car seat then will be an after-thought and you won't want to run out and buy a brand new car seat for your baby. Buying a car seat before you go to the hospital is wise because you'll already have it in hand when you get to the hospital and before you are able to go home when you're released from the hospital. Also, a nurse at the hospital or an expert there will want to thoroughly check out the car seat; being ill-prepared for the routine will just make things all the more difficult.

Making sure you have a new car seat for your newborn is one of the most important things that you can do when you celebrate the arrival of your baby! Everyone will have a safe car ride home and you'll be relieved that you bought a new car seat rather than a second-hand one that you knew nothing about

By Matthew Schieltz

Thursday, October 16, 2008

Sussex Farmland The Outshining Natural Beauty

Many investors hesitate to invest in overseas land, particularly in Farmland like Sussex Farmland. When one can buy land in India itself. Well, there is no good reason other than one that in India, one cannot find a good property at the same price. Moreover, investing in offshore land will also diversify one?s portfolio, and once the planning consent is granted, the value of land could move 10-fold than what the investor paid for it initially.

According to a report by the Royal Institute of Surveyors, the Farmland prices increased by 30% in the year 2004 particularly the Sussex farmland has seen a manifold increase in the land prices.

However, many investors can still be found engrossed into myths about investing in Sussex farmland. They do not realize that land carries a price for it, which can yield great returns in the future. Many of them perceive it as an investment with slow growth in its value, while a few presume that land investment carry huge risks. However, the interest rates on land investment are quite low in the UK.

There is no doubt that land returns in the UK is on upsurge. Particularly the Sussex Farmland which is close to development. If you have the money and the appetite for a certain amount of risk (inherent in any property investment), go ahead. Let nothing stop you from buying a piece of England.

The author is a Land Expert based in the UK.

Tuesday, October 14, 2008

Overseas Property Investment Tips For Maximizing Your Profits

Overseas property investment is more popular than ever. You can make triple digit gains and many investors do, but many lose heavily, so what seperates winners from losers?

Here we are going to give you tips for overseas property investment that will help you enter the small minority who make the big profits and make your overseas property investment a success.

Here are your 4 tips for overseas property investment success

1. Look for best price in terms of risk ? reward

Many people when trying overseas property investment simply look for the cheapest price they can find and assume that prices will go up in value and they make all sorts of projections but thats all they are projections and not based on reality.

In most instances the cheapest properties do have high profit potential if the market takes off, but in most instances they don?t.

Many investors find their overseas property investment was cheap when they bought it but gets cheaper!

The way to avoid this sceario is to buy property that may not be the cheapest but has the best potential for reward in relation to risk.

This means buying a market that has taken off is attracting investment and has a track record.

2. Buy a trend in motion

Investors in any market to do with money know that ?a trend in motion should be bought? and this applies to overseas property investment.

Regardless, of whether you are buying a villa, a vacation home, or a condo, you want the location you buy to be rising in value.

It?s a fact that if you have a property trend in motion its likely to last for decades, as steady and rising investment attracts more investment.

For example, in Central America Costa Rica has been the leader for years and many investors have made 30 ? 100% profits annually.

Many investors however have decided there is more potential in ?newer markets? such as Honduras, Belize or Nicaragua, but the risk is higher and a long term trend is NOT Established.

Costa Rica has huge established expat community and record investment and the fact that a huge community exists means it?s popular and will grow.

Will potentially unstable and poorer countries come to rival it? Maybe, but you are buying potential and NOT a long established trend.

It?s for each investor to decide how much risk they want to take in their overseas property investments ? A proven market with solid gains and an emerging market with higher risk reward.

Keep in mind that with most new overseas property investment hot spots they remain hot for a while and quietly die.

3. Be careful with location

No matter what country you make your overseas property investment in, don?t buy unless you are buying near developments or infrastructure that will see real estate values rise in price.

Don?t buy in an area you think will become popular. Buy in an area you know WILL become popular as it?s either near new infrastructure such as roads, marina?s etc, or near resorts that are likely to expand.

4. Make sure you know the country

Is it stable, how popular is it, what are your rights?

When buying you need to do a complete review and make sure it?s a safe and stable market for you to invest in.

Get a good realtor with solid track record to help you and don?t try and save by doing your own legal work!

Get an attorney who knows the law and make sure your overseas property investment is done correctly.

Tips to maximize rewards

The 4 tips above for overseas property investment will allow you maximise your rewards and minimize your risks.

You can make more by not following these tips!

The above tips in overseas property investment are ONLY for investors who want solid rewards with low risk ? not pioneers who want to take chances.

Be a pioneer if you wish, many made huge gains but remember most took arrows!

FREE Report!

On How to target large gains with low risk in overseas property investment as well as a focus on Costa Rica one of the most popular overseas property investment destinations with a solid track record of growth visit http://www.costaricalandlots.com

Monday, October 13, 2008

Sicily Italy: Choosing the Right Location to Buy your Second Home

You may have made the definite decision to buy a second home abroad and you may have made the decision on what country. If you have chosen Italy and selected Sicily, then you still need to carefully consider where in Sicily you will buy. Living in a rural area and finding yourself bored senseless, or finding yourself in a busy, slightly wild city such as Palermo may equally be incorrect for your needs. So where in Sicily should you buy real estate or property. Where is the ideal place to buy a villa or apartment?

There are several factors you might want to consider when choosing a location especially:
- Your reason for buying (i.e. investment or for personal use)
- What transportation you will have at your disposal. Getting to and from your country of residence to the holiday/investment home
- Your hobbies/interest
- Language

YOUR REASON FOR BUYING YOUR VILLA/HOME
In Sicily, you may be buying real estate as an investment opportunity or you may be buying as a holiday home. If buying as an investment opportunity, both rental opportunities and capital growth will likely be of concern to you. An area such as the stunning seaside town of Taormina, despite being expensive, can offer a very reasonable yield on a 1 or 2 bedroom apartment. For investment parts of Catania might also be worth considering. If buying for a holiday home then the ideas below wil become more important.

TRANSPORTATION
Getting from your country of residence to the door of your property is a very important consideration. You may have do a trip to your property for some unexpected reason, in addition to the regular trips to sort out the buying process and for visiting your property. Public transportation is not the best in Sicily hence this is an important consideration. The main airports into Sicily are Catania and Palermo airports and car hire is reasonably easy to sort out in these airports. Consider though that the Italian and even more so, the Sicilian way of driving can be very stressful for someone not used to it. To get to Sicily with your own car can be difficult thus buying with reach of Catania or Palermo may be worth considering.

YOUR HOBBIES AND INTERESTS
If you are planning to spend time in your Sicily property yourself, think carefully about how your own interests and hobbies match the place you buy. If you enjoy beach life, eating fresh sea-food every night and also having enough to do in the evenings i.e. theatre, then consider a main city such as Catania. If you enjoy tranquillity and wish to write or paint but still enjoy the sea life, then maybe somewhere such as Messina or Noto. Do your research carefully.

LANGUAGE
In terms of language, Sicily I think it fair to say, is further behind compared to many other places in Europe. People tend NOT to speak English and if they do it will be in the main cities. If moving and buying an apartment, villa or casa in rural Sicily, ENSURE you learn Italian.

http://www.investsicily.com

Saturday, October 11, 2008

Baby Car Seats

Although parents take so much trouble to choose a high quality baby car seat to carry their precious bundle of joy in the car, one of the saddest aspects of child safety on the roads is that in most cases they do not fit the seat correctly. According to a study by the National Highway Traffic Safety Administration (NHTSA) almost 80% of child safety seats are badly fitted or misused.

The most common errors are harness straps that were loose and safety belt attachments that are incorrectly fastened. These mistakes are defined by the NHTSA as 'critical' because there is a possibility of serious injury in the event of an accident. So most baby safety seats are not nearly as safe as parents think, and many babies are at risk.

How then can you be sure that your baby will be safe in the car?

First, make sure that you are using the right type of seat for your baby's age and weight, and that it is facing the right way. Some multi-purpose seats can be fitted to face either forward or backward and the fitting will change as your child grows. Babies under one year old and under 20 lb in weight should have rear-facing seats. But note that all child safety seats, whether forward or backward facing, should be fitted on the back seat of the car.

It is also possible to buy infant seats for young babies. These are designed to be rear-facing only, so you will need a new seat when your child gets bigger. However, they will be a better fit for your newborn baby and they are easier to store and carry, being smaller. You can carry your sleeping baby around in his or her safety seat.

If you prefer, you can buy a convertible seat that can be adapted to fit babies and toddlers. Convertible seats are larger and heavier and you are more likely to leave them in the car all of the time. They must be fitted in the rear facing position for young babies and then when the child turns one or weighs over 20 lb, the seat can be turned around to face the front. A convertible seat will usually hold children up to 40 lb.

But whatever type of seat you select, the most important point is to fit it correctly. You must read both the instructions that come with the car seat and the owner's manual for your car. First, make sure that you have the seat firmly and correctly buckled into the car. Then make sure you know how to fit and secure the harness straps that hold your baby inside the seat.

Don't guess - have your baby's seat checked by a qualified technician if you are not 100% sure that you have it correct. US visitors can go to http://www.seatcheck.org to find a child safety seat inspection center near you.

If you are considering buying a used seat or accepting one as a gift, consider the age and condition of the seat. Seats that have been used by several children in a family, or seats that have been in an accident, may be worn or broken and not safe for a baby any more. The label should tell you the date of manufacture and you should not use a seat that is more than five years old. Make sure that you have the manufacturer's instructions and that all the parts are included. If the instructions have been lost, you may be able to find a copy online, but make sure you have the right manual for your exact safety seat. If not, do not use the seat, even if it was a gift. It is not worth taking the chance.

Above all remember that in an accident, your child's life depends on the baby car seat.

Another great concern when it comes to your baby's safety is choosing a safe baby crib. Check out my article Baby Crib Safety for useful information on how to choose a safe baby crib.

By Roberta Sullivan

Friday, October 10, 2008

Bustiers: For Brides And For Every Woman

For the bride-to-be, a bridal bustier is a must-have. You want to feel like the most beautiful woman on earth when you walk down the aisle. A bridal bustier helps by making sure you look amazing in your wedding dress. They slim, flatten, and hoist, all while looking smooth and seamless under your gown.

Here?s how the bridal bustier works. Bustiers start at the bosom and go down to the hips. They?re like corsets in that they feature boning that helps keep everything ?in place,? so to speak.

Bridal bustiers are created to be invisible. Often, they?re totally seamless and feature hidden underwire, a low-cut back, and straps that can be removed. Not surprisingly, the vast majority of bridal bustiers are white.

Bustiers, corsets, and basques are actually three different pieces of lingerie. If you hear the term ?bustier corset,? it usually refers to a bustier that?s made to firmly cinch and hold. The bustier corset is something women turn to when an ensemble calls for a near-perfect figure. You probably wouldn?t want to wear one every day, but they?re ideal for occasions when you want to be an absolute knock-out. A bustier corset can instantly trim 3 or 4 pounds off your figure and make you appear curvy yet toned.

Almost all bustiers come with removal straps. The strapless bustier has a couple of different uses. They?re ideal for wearing under a strapless gown and tube tops. In fact, they?re also great for a top or dress with thin spaghetti straps. A strapless bustier provides all the support you need, but with no unsightly appearances from your bra straps.

A strapless bustier can also be a fashion statement. Increasingly, women are wearing strapless bustiers as tops. They?re sexy and sassy for a night on the town. Paired with a blazer they can even be toned down enough for less wild occasions.

Lots of sexy costumes feature bustiers. Using a bustier in the costume?s design can make even Little Red Riding Hood a red hot temptress. A witch costume complete with a bustier says no warts here, only delightfully devilish spells. Here are just a few of the sexy costumes that typically include bustiers:
?Devil
?Pirate
?Fairy
?Bar maid
?Princess
?Santa?s little helper

Of course, as you already know, bustiers make for sizzling sexy lingerie. No piece of sexy lingerie is truly sexy unless it makes you feel fabulous. And fabulous you will feel with the womanly, hourglass shape that an exotic bustier will give you.

When meant to serve as sexy lingerie, bustiers come in less ?functional? varieties. That is, the vertical seams and lacing are meant to be visually appealing and not to constrict. You get the best of both worlds: an exotic bustier that?s seductive yet fairly comfortable to wear.

Sexy, lacey bras and panties are great, but can become common-place. An exotic bustier makes you look and feel like a ?take charge? kind of gal. Really wow that special someone with a piece of lingerie they never expected. Even the shyest of women will feel like a total goddess in an exotic bustier.


About the Author:

Adrian Jones has been involved in the sexy lingerie uk market for many years. This article outlines the benefits of women wearing sexy costumes as if that needed much explaining!




Thursday, October 9, 2008

Backpacking in New Zealand How to Get Amongst the Locals & Experience Things Off The Tourist Trail


A great way for backpackers to get a taste of the real New Zealand is to seek out local events and festivals in smaller towns and communities. Take your time to chill out in one place for a while and you will be surprised how much more you can deepen your experience by getting amongst the local scene.


One festival not to be missed is the legendary Wild Foods festival held annually in a small town on the West Coast of the South Island called Hokitika.


Due to the isolated location of the West Coast the 'Coasters' have always done things their own way, paying little attention to how the rest of the world lives. The festival is a prime example of this, as it show cases the rather random delicacies of the coast and the local characters that live there. You name it, is on offer and both locals and tourists come from afar to challenge themselves to eat the huge selection of wild foods.


Some of the more memorable dishes at this years festivalincluded Mountain Oysters (goat testicles); huhu grubs that were very much alive; eel spine, marinated duck tongue; semen sauce; cow tit; seagull turd; rotten fish eyes and possum pie. MMMMMM Yuk! Funnily enough there was such a high demand for the live huhu grubs that they sold out. The atmosphere is awesome as everywhere you look people are egging their friends on encouraging them to try the most vulgar of the vulgar wild foods on offer.


A few of the more tame - or should we say edible foods - included Bambi burgers, white bait fritters, homemade fudge, pickled punga (native fern), mussels and wild pork.


Let's not forget that there is also plenty of booze and live music (hillbilly style) at the festival for those who like a drink or three and a bit of a boogie. The locally brewed Monteiths Ale was flowing from mid day along with a selection of New Zealand wines.


Hokitika has a population of about 6,000 and with more than 10,000 people attending the Wild Foods Festival accommodation options get rather interesting. So where does everyone sleep? The local fire brigade set up a couple of large camp sites right by the beach which over flows with tents and campervans. The setting is to die for... right at your doorstep is a rugged west coast beach dotted with bonfires as far as one can see which makes for the perfect place to chill out on return from the Hillbilly dance.


On waking early to enjoy watching the sun rise take a stroll and you will discover that the less organised have set up home on the railway track, footpath, under the town clock or in some less fortunate cases in amongst the abundance of porta-loos...


There are many fantastic festivals in New Zealand, so be sure to enquire about what is on and where during your backpacking through our beautiful country, Aotearoa - the Land of the Long White Cloud.
About the Author

Article by Felicity Witters. Felicity is Marketing and Product Manager for Kiwi Experience, a leading New Zealand
backpacking bus network. Hop on, hop off flexible bus passes take backpackers & independent
travellers off the beaten track to experience the 'real New Zealand'.

Wednesday, October 8, 2008

Lightweight Backpacking: An Example

I was in the Weminuche Wilderness Area when the snow came. It was my second day out of Silverton, where the locals told me it rains or snows every day in August. I made a note to myself to do some research next time. Then I made a note to myself to find the trail. I was lost again.

I was in the Weminuche Wilderness Area when the snow came. It was my second day out of Silverton, where the locals told me it rains or snows every day in August. I made a note to myself to do some research next time. Then I made a note to myself to find the trail. I was lost again.

Lightweight Backpacking

I came to the San Juan Mountains in Colorado to try my new gear. I used a tarp shelter, and a light down sleeping bag. The first rainy night I stayed dry. A good start, but now above the trees, I was lost in rolling tundra, unable to find the trail under several inches of snow. I had my ultralight rainsuit on, though, and I was fine.

It was beautiful, with mountains appearing all around at every break in the weather. Eventually I found myself on the map. The sun came out, and there were white mountain tops rising out of the green forests everywhere. Mountain goats played on the cliffs with me.

The fourth morning, I was on my way up Mount Eolus. In Colorado you can go up 14,000-foot mountains without climbing gear. They call them Walk-ups, but some require more than hiking. The catwalk on Eolus, for example, is easy, but only if it's easy for you to walk a three-foot-wide edge, with a drop to your death on either side. I made it to the top.

Sunlight Peak, a couple hours later, required a leap across a thousand foot drop to reach the summit. At least it was an easy jump. Chased off by a thunderstorm, I didn't get to go up nearby Windom Peak.

There were no roads, but the next day I found the Silverton-Durango line, and flagged down the train to Silverton. I bought food and headed out for three more days of rainy hiking. Lightning chased me at 13,000 feet, I slept in an old ghost town building, climbed three more fourteeners, and I'd do it all again in a second. Backpacking in Colorado is spectacular, and going lightweight made it even more so.

Why Lightweight?

I carried my backpack easily up mountains, with better balance. One day I hiked 22 miles and bagged three fourteeners. I went 110 miles in seven days, without one blister. That's what running shoes and a 12 to 16 pound packweight does for you.

Staying dry was as much technique as it was good equipment. It rained every day, and I was under a tarp, in a one-pound sleeping bag, but I stayed dry and warm. I found lightweight backpacking to be safer than hiking with a heavy load, contrary to what many say.

This first lightweight backpacking trip was years ago. When I remember running up those mountains, I know I'll never go back to a heavy load.

ABOUT THE AUTHOR
Steve Gillman is a long-time backpacker, and advocate of lightweight backpacking. His advice and stories can be found at http://www.TheUltralightBackpackingSite.com


Tuesday, October 7, 2008

Buying Property Overseas the Common Misconceptions Solved

Janet and John part 5

Some of the misconceptions solved for buying overseas property

Janet and John had reserved their new property overseas. They had paid the reserve to the solicitor Raphael, and he had secured the property for them. He was now in the process of searching at Land Registry to see what if any were the problems related to their dream purchase. He soon found one. Janet and John were still recovering from the shock of having to put up half the money in cash and I mean real folding money!

It transpired that there was a mortgage on the property for 120K. He rang John and enquired if they knew? No was the reply but surely such a mortgage would be cancelled or settled by the current owner? Such is the habit in the UK that mortgages move with people but are secured on property. However in the UK when a property is sold the new owner buys it with clear title and no debt attached to the property.

In Spain the mortgage can stay with the property in question. The seller can happily transfer the mortgage to the name of the buyer or just walk away leaving the mortgage with the property. That mortgage never follows him but is charged against the property and the new owner becomes responsible to the Bank for the loan and the term.

It has often happened in Spain that foreign buyers have not employed a good solicitor or not even employed a solicitor at all but trusted the agent! Yes the hot sun gets to them all at some point. Unwittingly buying properties for the full price, only to find out later, that there is a mortgage on it or a huge council tax debt!

However it can also work to a buyer?s advantage. The old owner may have arranged a sizeable mortgage with a reputable lender over a long term and at a low interest rate. Even with variable mortgages, those that react to changing National base rates, by European standards these mortgages are normally inexpensive. Of course there is always the odd one that has been arranged for an un-creditworthy consumer with harsh conditions. Buyers beware!

What to do?

First contact Andy the Property pal. Is this normal? What shall we do? Back came the answer.? Yes it?s quite normal. First ask what the terms and conditions are. What is the rate of interest, who is the lender and what is the term? If they are acceptable and the lender is well known then it could be to your advantage to accept the mortgage as part of the purchase price.?

John spoke with the agent and explained the problem. Jose Miguel agreed to call the owner and make the necessary enquiry. John also had other queries relating to services and local taxes. John then asked if there was an electrical certificate. Poor John?.. Jose Miguel smiled, ?My friend this is Spain, the property is over 20 years old you will not be able to get such a thing however desirable.? John mentioned that Andy knew a local electrician, an Englishman called Brian would it be OK for Brian to do an inspection for him? ?Of course whenever you like!?

A few weeks later they are back in the UK and waiting for news. Nothing has been heard for a while and John is worried, Janet is becoming anxious. John decides to use the Property Pal network again and that night sends Andy, his Property Pal for Costa Valencia an Email. Andy replies two days later. He has phoned the agent and the solicitor and Brian the Sparks. All is going reasonably well, the legal process is progressing but John should plan to come back to Spain in 3 weeks time for a likely completion.

Janet is very happy with his news and John sits her down to discuss the outstanding problems.

The mortgage is a good one. The lender is Banco Popular a reputable lender and the interest rate is 3.5% with an outstanding term of 10 years. This means that 120K outstanding can be taken off the purchase price and Janet and John can take the responsibility of the mortgage with the property. The advantage is John does not have to register a new mortgage at the Town Hall and avoids paying a mortgage tax. He also saves a lot of time in not having to arrange his finance, albeit the loan is more than he wanted at least it is very cheap by UK standards and manageable.

The electrical report has come back from Brian the Sparks. It is not good news. The system that exists is illegal. The power input is so low that a microwave will set off the trip each time it is used. Brian assumed correctly that Janet would want a dishwasher, tumble dryer, air-conditioner unit, kettle and other electrical appliances installed and the power is just inadequate. John would have to apply to the local power company for an increase in supply. They would arrive to inspect and declare the current installation illegal.

What to do?

Contact Andy the Property Pal. Andy instructs Brian to quote for the upgrading and re-wiring and installation of new circuit breakers. Andy will see if he can call the local power company and start a process for Janet and John. If Brian can do the work first then when they make their inspection, and of course when is the keyword, they will declare it acceptable for a power supply increase.

The next problem for our intrepid pair is how to handle the darker side of the cash purchase.

In Spain there is no Capital Gains Tax on your primary home but in theory there is on your second or weekend home. Traditionally over the years property has changed hands with little concern for the accuracy of the boundaries or deeds. Much of the price has been paid in cash from below the bed. This habit is changing and many lawyers are now under greater scrutiny from National and local bodies who wish to see the real value of a house declared and tax paid thereon. So the habit still exists but lawyers are encouraging and cajoling sellers to declare at least 70% of the value in legal tender.

Thus 30% is paid for in hard folding cash. If the declared value is too low then the Town hall Notary has been known to fine the seller for the assumed balance by going out and valuing the property! It is not unusual for buyers and sellers to exchange cash at the Notary?s office in a large bag. Obviously this does not go unnoticed by the local criminal fraternity and there are many instances of persons being robbed on their way to or from the completion meeting. It is normal but absurd as the Public Notary? office is fully aware that this practice exists, and the Notary in question will simply withdraw from the room for 5 minutes whilst the parties exchange the cash!

Often there will be two solicitors and two opposing bankers present, as well as the bagman, his counterpart and maybe a translator. It is a real farce which is slowly changing. It is now even acceptable for a Bank to draw a check for the cash element and bring that with them for their client instead of the insecure currency notes. However there are still sellers that insist on cash for their balance outstanding and some who even do another portion outside of the auspices of the Town Hall! Do not get involved in this practice is the advice from the myProertyPal.com website. The system is becoming so farcical that I have heard stories of Banks running out of cash and having to go around the local town and collect it from other Banks!

Janet and John chose Banco Popular and they and the opposing side were able to accept a check for the funny balance and all went well with their date of completion.

So the intrepid pair completed their learning curve of buying their investment property overseas, but was that the end of the story or was there much more to learn about Living in Spain? Of course and we will re-join them later!

http://www.mypropertypal.com

Monday, October 6, 2008

Clue The Board Game

Clue (known outside North America as Cluedo) is a board game for 3 or more players, in which they the players try to solve a murder mystery through a process of logical deduction.

At the beginning of the game, three cards are drawn at random (one Suspect card, one Weapon card, and one Room card), and placed inside an envelope without any of the players seeing them. These three cards specify the location, weapon and criminal in a fictional murder (example; Professor Plum, with the Candlestick in the Library). The other cards are then dealt out between players.

During the game, the players take turns moving their pieces around the mansion where the murder took place (movement speed is determined by rolling dice). In their turns, the players may also make suggestions about the murder, and the other player's must disprove the suggestion if they can (by showing a card disproving it to the suggesting player, but not to other players).

When one player believes he has deduced all three details of the murder, he may make an accusation. He then examines the cards in the envelope to see if his accusation is correct. If the accusation is correct, the player wins. If the accusation is incorrect, the player is eliminated, but places the cards back in the envelope without revealing them to the remaining players.

One amusing aspect of the game, is that it is possible for one's own character to be the murderer, and even win the game by deducing one's own guilt.

Originally published at http://www.brainchallenges.com/clue.php - Visit this site to buy the board game or play Clue on

By Sunil Tanna

Sunday, October 5, 2008

California Foreclosure Activity Up by the Biggest Margin in 14 Years is the Bust Starting?

Although the foreclosure rate in California soared in the second quarter, it is still not clear exactly how bad this is. It certainly is not good, however in spite of the soaring foreclosure rate, foreclosures are still below normal.

In the time period April through June lenders 20,752 default notices to homeowners, up 67.2% from the same period last year. When a homeowner receives a default notice, foreclosure is still quite a way off. After the first default notice the homeowner may still have a number of options before they lose their home to foreclosure. The default notice is sent to a homeowner who is late with their mortgage payments.

These statistics have been compiled by the company DataQuick since 1992. The jump in default notices is the largest since DataQuick began compiling these statistics.

The quarterly high for default notices files was in the first quarter of 1996 when 59,897 notices were sent out to homeowners.

There are a number of other factors that need to be watched. These include the amount of equity the homeowner has in the home and the type of mortgage they have. This default activity bears watching but does not necessarily mean the housing market is about to collapse.

Of homeowners that receive default notices, only about 7% actually go into foreclosure and lose their homes. It is not like the market is going to be flooded with homes in foreclosure. However the appreciation of prices is slowing quite a bit. Homeowners who depended on that appreciation to continually refinance and take out equity are the ones that will be feeling the pain. For investors the market bears close watching.

Marshall Prentice the president of DataQuick believes the default rate would almost have to double before home values would be affected. The spike in defaults is slowing the appreciation of of home values. In San Diego and Sacramento home values are flat. These are two areas in California that saw appreciation rates soar. San Diego and Sacramento are two areas in California that are vulnerable to falling home prices.

Andy Goldman has contibuted articles on finance to numerous publications over the past 15 years. He is owner of http://www.carealestateinvest.com

Friday, October 3, 2008

Umbrella Strollers ? The Must Have!

Most parents go out and get that huge, expensive stroller that has everything a baby could possibly need on it. While this isn't a bad thing, sometimes it just isn't the best thing to haul around with you everywhere. The majority of these bigger strollers are just too bulky and don't open easy enough when you have screaming kids you are trying to control in a crowded parking lot. So what do you do?

You buy an umbrella stroller to keep in the car, that's what! These strollers are lightweight, cheap, and open with just the flick of your arm. Sure, they don't have four cup holders, and sure, they don't have a shopping cart underneath; but if you are in a hurry they can be a lifesaver.

Umbrella strollers generally range in price from ten to twenty dollars, and you can purchase them anywhere. They come in almost every color you can think of also, so you won't have to worry about having one that is just too ugly to show in public. These strollers slide easily into small spaces, like the floor board or the trunk, and are very lightweight, so you won't hurt your back or arms trying to pull them out of the car or closet and open them.

These strollers also have a very easy set up and fold down, generally this can even be done with one hand if needed. A small, red clip that is easy to see and lift is usually the only thing you will need to pull when folding up these type of strollers.

So, even if you have one of the larger, more expensive strollers, an umbrella stroller is just something that you cannot live without. They can be a lifesaver when you are in a hurry or just don't want to lug that big stroller out again.


About the Author:

Martha Mountjoy writes for strollerhut.com a website filled with resources on baby strollers and running strollers.


Thursday, October 2, 2008

Umbrella Strollers The Must Have!


Most parents go out and get that huge, expensive stroller that has everything a baby could possibly need on it. While this isn't a bad thing, sometimes it just isn't the best thing to haul around with you everywhere. The majority of these bigger strollers are just too bulky and don't open easy enough when you have screaming kids you are trying to control in a crowded parking lot. So what do you do?


You buy an umbrella stroller to keep in the car, that's what! These strollers are lightweight, cheap, and open with just the flick of your arm. Sure, they don't have four cup holders, and sure, they don't have a shopping cart underneath; but if you are in a hurry they can be a lifesaver.


Umbrella strollers generally range in price from ten to twenty dollars, and you can purchase them anywhere. They come in almost every color you can think of also, so you won't have to worry about having one that is just too ugly to show in public. These strollers slide easily into small spaces, like the floor board or the trunk, and are very lightweight, so you won't hurt your back or arms trying to pull them out of the car or closet and open them.


These strollers also have a very easy set up and fold down, generally this can even be done with one hand if needed. A small, red clip that is easy to see and lift is usually the only thing you will need to pull when folding up these type of strollers.


So, even if you have one of the larger, more expensive strollers, an umbrella stroller is just something that you cannot live without. They can be a lifesaver when you are in a hurry or just don't want to lug that big stroller out again.
About the Author

Wednesday, October 1, 2008

How important is it to buy a lightweight stroller or pushchair?


There are very many factors that a parent should consider when buying a new pushchair or stroller for their baby. One of the most important factors is the weight of the pushchair - in fact for many parents it could be the most important - but do they know this?


In terms of a baby, buying a pushchair is one of the most important decisions you will make. It can make your life as a parent easier, if you make a good decision - however, if you choose a pushchair or stroller for the wrong reasons, it can make your life much more difficult - in fact you are likely not to use that pushchair and go out and buy another.


I have spoken with many parents who have made exactly this mistake and ended up owning two or even more pushchairs. Why? - because pushchairs, strollers and buggies come in very many different shapes and sizes. As a parent, indeed as a parent buying a pushchair for the very first time, it is easy to make your purchase for the wrong reasons - because you don't yet understand the most important factors when making that purchase.


When moving a baby or toddler outdoors, in a buggy, stroller or pushchair, you will soon realise that you will need so many other things with you - spare clothing, nappies, bottles, food. Also, you will not be able to carry shopping while you are pushing your pushchair, so you will need to be able to store shopping on your pushchair.


Now, you are probably realising that this is all going to add weight, and you are right - the combined weight of pushchair, baby, shopping, clothes, feed, and anything else, will become quite significant.


As the weight becomes more and more, you will sacrifice manouverability and shopping can start to become really difficult - now imagine you are fighting your way around a busy store, with narrow aisles and you will start to realise that, for shopping, a lightweight buggy is really important.


There are many circumstances where a weight is not so important and there are many other factors that also must be taken into account. Buying a pushchair, stroller or buggy is not any easy decision and deserves much thought and consideration.

About the Author