Saturday, February 7, 2009

Home Ownership Ownership Societies and Home Equity Considered

One of the greatest things that a society or civilization can have is buy-in from its citizenry. Perhaps you might call this a sense of nationalism that comes from owning a piece of America. Home ownership helps boost the value of ownership societies and yet even though more Americans own homes now then have ever in the history of our nation we also have a problem where the home equity value is less on a percentage per house than it has ever been also.

We know from the last real estate crash that when home equity becomes negative that more and more people walk away from their homes and then they are disenchanted with our society, civilization and even capitalism itself. This is unfortunate although it also shows a sense of irresponsibility on the part of those people who dug their own grave of debt. Nevertheless in the blame game world of human civilizations and societies people who have hardships of life usually try to blame someone else for them.

So what started out to be a great advancement in the concept an ownership society in the United States of America looks like it is slowly losing some of its steam and actually might end up causing a little bit of a problem in the future. The Federal Reserve says that the housing market collapse is not as bad as people portray it and this is relatively true however, it is something we need to watch in the future.

If people walk away from their loans this can cause a problem in the banking system and American citizens are already in too much debt with short-term loans and credit cards. An ownership society is a great idea and we should commend our leadership for working towards that noble goal, but at the same time we must be very careful that we talk about ownership we are not just talking about debt; rather actual ownership.

Owning a piece of America should not be owning an overwhelming responsibility of stress to make payments on something that is not his worth as much as the loan value. Please consider this in 2006.

Lance Winslow, a retired entrepreneur, adventurer, modern day philosopher and perpetual tourist.

Friday, February 6, 2009

Sarasota Real Estate Housing Market

Compared to the same 3 month period (March to May) from last year, Sarsota real estate sales are down. For this period, Sarasota real estate area had 1,393 sold properties last year compared to only 865 this year. Last year, the same period had an average of only 2 months. However, for May 2006 the inventory skyrocketed to an average of 13.8 months. This is definitely indicative of Sarasota real estate becoming a buyer?s market. On the other hand, Sarasota real estate prices increased, up from an average of $240 per square foot to an average of $295 per square foot in May of 2006. Today in Sarasota the average price of houses for sale in May 2006 was $762,000 while average price sold was only $562,000. The market has indeed decelerated from last year, albeit this is the nature of equilibration towards a normal and stable market. With lots of properties for sale on the market, sellers really do need to price their property right in order to sell it. The rates are still fine, rising up slightly to 6.75% for 30 years fixed, and Sarasota has much to offer in order to attract buyers. Properties for sale will tend to float on the market longer than it would have for the last couple of years since buyers know that they have a large pool of selection to choose from. The number of buyers will also continue to gradually drop this summer as the market begins to take the command again. This point in time is certainly the time to buy. Prospective clients who take the time to fly down to Florida in the summer are more serious buyers since they have done the research and know what they are looking for.

In my opinion what the data is showing us is the reality that last year's price increase was strictly due to a lack of inventory. This is the law of supply and demand at work. With overflowing supply of resale and new construction homes, one can expect that the price of homes will continue spiral down. Sarasota real estate area is very conducive to live in and there are several more years in the prediction of experts regarding the influx of baby boomers towards this area. Furthermore, many new jobs have been opening, which presents an excellent opportunity for professionals and entrepreneurs alike who are contemplating on moving and buying a home in Florida.

Overall, Sarasota real estate property values are stabilizing. In the heat of the summer, this is going to be a more normal market. Now is an opportune time to buy your dream house in paradise. Prime time season is around the corner and properties that have not gone under contract by now have adjusted their prices. Sellers are getting motivated and are still moving on. There are some great deals out there especially on condos under $300,000 that prospective buyers can purchase in a golfing community or close to the coast.

Dranreb Earl Juanico

Sarasota Real Estate

Dranreb Earl Juanico - http://siestakeyrealestate.com

Thursday, February 5, 2009

Too Broke to Budget Family Fun

Break the Blah's with These No Cost or Low Cost Ideas

Man oh man, it sure is easy to wish and hope and then be upset with what you do have. Even if you feel the grass is greener on the other side of the fence, as soon as you climb that fence... there's another fence that you just KNOW is hiding the most emerald-like grass you could find. Point made, we are very difficult to satisfy.

However, it doesn't have to be that way for us hard working, unrewarded families! We can live the 'high life' without spending any money... or at the most pocket change!

This is how a normal day would go in an unhappy family. The parents come home from work, eat dinner, watch tv, and go to bed. The children's day is fairly similar, chores after homework... tv... bla bla bla. It's usually 'All we can do... we can't afford to go out...'

Why don't you try some of these ideas, and see if everyone's moods don't lift?!

1.) It's ok to have a 'Pizza Friday'. A better idea is 'Foreign Food Wednseday' . Wednseday is usually right in the middle of the week. (It may change sometimes...) Being it is the longest day to get through because it the week is either 'almost over' or 'you still have half to go...' Throwing in a change can give Wednseday Dinner a Friday Feeling. Don't stick with the same food, or even the same culture. Try new foods you've never had before. Look up a few trivia facts about the culture you are tasting, and share your lessons. Maybe decorate with a theme. Make it creative, get everyone involved, and make it fun!

2.)It's okay to curl up and watch The Simpsons together. It's not okay to watch tv from the time dinner is done until you go to bed. Not everyday. After dinner, or even after a tv show... go for a walk! The season is finally changing, and you don't have to wait for the snow to melt completely before going outside! There are endless ways to make walks fun with children, but the best thing is that a walk is fun enough as it is.
(Walking also helps depression go away, because it is exercise that boosts serotonine.)

3.)If you are all in a 'movie mood', you don't have to go pay $20/person to watch they newest movie. You don't even have to drive to the rental store and pay $5 to borrow a new release on DVD. You probably own a large amount of DVD's you bought because you like and haven't watched in a while. Watch one of those together... Cut up some cheese and crackers w/ pepperoni, make bagel bites or popcorn or cake or cut up fruit... make sure everyone is equipped with snack options and beverage. Make a big deal out of watching the movie.

4.)Play games with your family! Every night doesn't have to be 'Family Fun Night', and every game doesn't have to take place on 'Family Fun Night'. Play a card game, a boardgame, or a 'home made game' (Tossing pennies into different sized objects- coffe can, soda bottle, mayo jar, etc.- at different point values for high score) I would recommend to any family to spend $40 on Cranium's Family Fun game! It may be something you have to save for, because honestly $40 can be a luxury at times. I promise it is worth the expense, because the entire family will have lots of fun playing this game... that includes that parents! This is not a game that is more fun for kids. But you don't need to spend money to play a game before bedtime!

5.) Aw yes, family fun night. That is a wonderful thing that varies in different families. If you don't already have it in your family, you need to. It can be weekly, or monthly, or whenever one is called. Regardless of how often it occurs, or wether it is planned or not... it is a luxury that is free and brings happiness to all. Why can't every night be treated mildly like 'family night' without calling it such? Instead of one person on the computer, one person in their room playing, one person lounging in front of Sportscenter all night... bring the family together more often!

6.) Outings! Take a drive together to visit family or to view scenery. Go to the closest hiking trail you know of and take the family for a walk in the woods. Pack a picnic! Even if you can't afford to go out to the zoo and eat at McDonald's for lunch, it can often be totally free to walk through the woods and point out chipmunks, birds, and other random animals you may see. You can also comment on the flowers and plants growing around you. It can be totally free to pack up some fruit and sandwiches into a backpack (Never throw your trash on the ground!). IF you do have a little money to spend on a disposable, or you already own a digital... take pictures! It is always important to take lots of pictures of your family having fun together. Those memories are the most important things we have. Without physically preserving those outings... going for a walk with a picnic packed in comfortable bag is absolutely free!

7.) Always get the whole family involved with ideas of fun things you can do together. Keep a coffee can or jar somewhere accessible at all times for a note to be dropped in. The 'comment box' sounds corny and cliche, but that doesn't affect it's effectiveness.

When you look at your life to see what you have, look only at your life. So what if your neighbors can take vacations to Europe with their family and you can't. So what if you can't afford a fourwheeler for everyone to ride and your coworker owns 4. The less you have, the more you appreciate the things you have. They mean more. Your family will be the most important thing you will ever have.

By Anne Ominous, www.associatedcontent.com

Wednesday, February 4, 2009

Tourist Guide To Gran Canaria

Gran Canaria

Gran Canaria is one of the Canary Islands and a popular holiday destination. The Canaries are a small group of Spanish Islands located in the Atlantic Ocean, approximately 200km off the Northwest coast of Africa. Gran Canaria is a volcanic island with very dramatic and unique scenery. The Canaries are a popular winter holiday choice for Europeans due to the year round warm temperatures and frequent sunny days.

A Short History of Gran Canaria

After many conflicting battles between European companies on who owns the Canary Islands, the Spanish finally won and made claim to them. Apart from being a travelling stopover for famous adventurers such as Christopher Columbus, the Canaries were not really used for much. However, in the fifties people began to discover the physical and mental benefits of the sun and from this point, tourism in the Canaries took off.

Getting there

There really aren?t any other option of getting to the Canaries by any way other than air. Gran Canarias airport (Aeropuerto de Gando) is located in the southwest of the island. Taxis and bus transfers then transport tourists to their resort locations. It is also possible to travel to and from the other islands in the Canaries by ferry.

Accommodation and Where to Stay

The main accommodation on offer is self-catering apartments, hotels and villas. There are a number of popular resorts on the island that cater for very different needs. For nightlife lovers stay at Playa Del Ingles and for a peaceful holiday stay at Puerto de M?gan.

Sights and Attractions

Take a stroll through Las Palmas as there are many historic buildings and streets as well as a Cathedral. The main sightseeing features on the island is natural beauty of the area. There are magnificent sand dunes, volcanic mountains and stunning beaches.

Shopping on the Island

Gran Canaria is not really a shopping haven as it is mainly a relaxation holiday choice. Therefore, shops on the island usually sell souvenirs, beach games and general travel necessities.

Wine and Dine

Every resort is plastered with bars and restaurants as well as English pubs. Many of the restaurants are open planned and located on the seafront for extra appeal. All kinds of international cuisine is offered so choosing should not be hard.


About the Author:

Dan Oldfield works and writes for Car Rentals and has produced a tourist guide to Gran Canaria from the Budget car rental specialist Dan is also a free lance writer for The Villa Rental Site


Tuesday, February 3, 2009

Losing Pregnancy Weight


Losing weight after pregnancy presents a special type of problem. At no other time in a woman's life is she likely to gain as much weight in as short a period. And after having a baby, especially your first baby, life changes drastically. You might find it hard to make time to exercise. If you're nursing, you can't restrict calories. It seems as though many of the usual avenues to losing weight have been cut off.


Though experts recommend that a woman gain no more than about 27 pounds during pregnancy, for some of us, that's easier said than done. Some women report that they gained weight during pregnancy regardless of how carefully they controlled their eating, even if they made a point of exercising. Some pregnancies just seem to demand weight gain - interestingly, this seems to be particularly true of women who are naturally thinner than average to begin with. For a naturally 'skinny' woman to gain what might seem to be a huge amount of weight - sometimes up to sixty or even seventy pounds - during pregnancy seems to be a rather common phenomenon. Pregnancy seems to change the way that food is metabolized and fat is stored. The amount of weight you gain during pregnancy may even be genetic.


Of course, pregnancy food cravings also have something to do with it! We've all heard of some of the bizarre cravings that pregnant women can get, but in fact, most crave the nutrients they need the most. It's not uncommon for a woman who is normally a vegetarian to have strong cravings for meat while she is pregnant, for instance. These are cravings you can and should give in to, because your body is telling you what it needs.


Some women also find that they need to eat during the first trimester, because it keeps morning sickness at bay. 'Morning sickness' is actually a bit of a misnomer, as it can happen at any time of day or night. It tends to happen the most when your stomach is empty and your blood sugar is low. Some women pack on the pounds during these first few months of pregnancy just to keep from feeling sick all the time.


So, for one reason or another, many women find that it's very difficult or impossible to control their weight gain during pregnancy. That's not to say that you shouldn't try, of course, but if you know that you're eating healthy foods and the weight is coming on regardless, let it. You'll do more harm than good by trying to diet during pregnancy. As long as you aren't binging or eating unhealthy foods, rest assured that your body has its own wisdom and you are gaining weight because you need to.


Though only about ten or fifteen pounds are lost during delivery, there are plenty of opportunities to lose weight after the baby is born. For one thing, if you give it a month or so, you might find that most of the weight disappears on its own during nursing. In fact, that's one of the reasons why women are programmed to gain weight during pregnancy - after the baby's born, you need that extra weight. It all gets converted to milk to feed your baby. In fact, nursing full time burns about 500 calories a day - the same as a good workout. At that rate, you could lose a pound a week without even trying.


That having been said, there may come a time when you do have to put some effort into losing those last few pounds. After your baby is weaned, that natural means of weight loss isn't there anymore. It's time to start adding some workouts to your daily schedule. If you don't have the opportunity to exercise without the baby, take him along - that's why jogging strollers were invented. Or boost your calorie burning by carrying your baby in a front or back carrier while you go for a walk or hike. The babies love it, and for you, it's like carrying a constantly increasing weight around with your for hours at a time - great for burning fat.


After you have a baby, you may feel as though the baby has taken over your entire existence. It doesn't have to be that way. Take the time to reclaim your body and your time, and you'll have more energy to take on the hectic schedule of a new mother.
About the Author

As a Teacher of Sport and Physical Education, Tony Robinson has a keen interest in Health and Weight Loss issues.

Monday, February 2, 2009

Breast Cancer: Battleground Stories


A slip of paper with the information below was handed to me by one of the brave women I had the pleasure of knowing during the meeting of a local support group. She said, Whatever you do, make sure at least one person reads it.



Of all the cancer related deaths, breast cancer is the second cause of death after lung cancer among women. This disease strikes the male population as well. An estimated 40,200 women will die of breast cancer this year, but many may be spared by early detection. Some medical providers may be offering low or no cost mammograms.
Some referrals for information:
Y-ME National Breast Cancer Organization 1 800 221 2141
National Alliance of Breast Cancer Organizations 1 888 806 2226
www.medicare.gov
National Cancer Institute 1 800 422 6237
Komen Breast Cancer Foundation 1 800 462 9273 or 1 800 IM AWARE
American Cancer Society 1 800 227 2345



I had asked a friend to ask the group to let me sit in on one of the survivor meetings. When the group accepted my presence, we met in a comfortable lounge with five wonderfully vibrant women and two robust men, all ranging in ages from twenty-eight to sixty-four who had come together to talk about their battles of survival and their innermost feelings. They told me that they were twenty-two people but a few couldn't make it to this session. Having two men in a group like this was unusual because men refuse to tell their problems in a group setting, especially about a disease like breast cancer that is known to be a women's malady.


Celia, the first one who spoke, was twenty-four when her cancer was detected. Now, she is forty. She said, her cancer comes back uninvited every few years. She is currently under treatment again. There were times when she wanted to do away with herself to save her parents the heartache and trouble. She still has awful nightmares. The night before she had a hippopotamus chasing her into a lake filled with milk. Celia is a very bright woman. She doesn't easily give in to depression and has an indomitable spirit. She said what she tells here to the group, she'd never tell to her family or to her doctors. The group has always understood and respected each other's confidence.

During her first round of treatments, Celia got to know one of the male social workers. It was the best time in her life, although she looked awful with no hair and an uncontrollable nausea. He became her lover while she was in treatment. She said, he held her while she vomited, took off from his work to be with her on her bad days, and waited for her at the door while she was going through chemotherapy. As soon as she was given a clean bill of health, he left her; she was devastated.


Why is it, she asked the group, Some men love women only when they are in despair? Then she answered her own question, Saving the damsel in distress syndrome! It inflates the male ego.


I couldn't help but reflect that this affair had hurt Celia more than the illness. Still, she tried to have a positive attitude and considered herself a survivor, even though her cancer had returned again.


Eileen, the bubbliest in the group, was forty-one when the cancer was discovered. There was no breast cancer in her family. She was an athlete who ran every day and played singles tennis twice a week. She ate a low-fat diet with practically no red meat. Moreover she had a mammogram done when she was thirty-five and then another one when she turned forty. Both those mammograms' reports were clean. Fortunately she examined herself frequently. Several months after her last mammogram she discovered a lump in her right breast. Three months later she went in for a follow up and had a biopsy. The diagnosis was benign but the doctor called her back in three months.


When she went back, the same spot showed some scar tissue. She wasn't afraid because she trusted in her first biopsy. She said, at the time, she had a 'this can't happen to me' attitude.


This time, however, things were very different. The breast cancer was in her body, but Eileen wasn't going to give up. She obtained all the information she could get her hands on.

She says she went through a wide range of feelings. The strongest emotion she felt was anger. She went around the house kicking in the doors.


Eileen is one of the lucky ones. She is healthy at the moment and has finished her last reconstructive surgery. Thanks to advances in medicine, my figure looks better than ever, she said jokingly.


Martha has raised two children to adulthood after her cancer was discovered fourteen years ago. She has a wonderful, supportive, sunshiny attitude and she is a joy to be with. She has just retired from a twenty-five year teaching career.


Martha says she wasn't always like this. She went through all the emotions and then some. Now, she is learning to play the guitar, something she yearned for all her life. She is also very active in the affairs of her church. She prefers to believe that she is living with the cancer with gusto and in spite of it. She has done a lot to bring about cancer awareness nationwide. She has even attended fancy parties without a wig. I try to make at least one person aware per day, she said.


The oldest one in the group that day was Paul. Paul was already suffering from skin cancer when the breast cancer was discovered four years ago. He went to see a surgeon in another state because this surgeon was one of the few doctors around who specialized in male breast cancer. Paul has a wry sense of humor. He described with motions the funny incidents of himself getting a mammogram and of being pulled like taffy when almost nothing was there to pull. He said all the bad feelings he had experienced were already finished with he other C, referring to his skin cancer. So there was nothing left for this one. As he put it, he has been through the four horsemen: Mastectomy, Chemotherapy, Radiation, Tamoxifen. He felt bad only when he discovered his wife weeping secretly before the mastectomy. He didn't let her know he saw her. One person in the group suggested that maybe he should. He said he can't handle that.
Paul still cuts his own lawn and fixes things around the house but talking to the family about fears--his or theirs--is not his thing.


Sheila now believes that breast cancer is not a death sentence, even though her cousin, who was also her best friend, was diagnosed with this terrible disease around the same time as Sheila was diagnosed. Her cousin is no longer alive. She always wondered what we did wrong, she remembered. She felt, when her cousin died in a year and a half, her life had to come to a stop also. She went under extensive counseling because of it, and she discovered that her family, her children, and her life were the most important things.


Nowadays, Sheila sees her battle as a blessing. She believes her cousin would be living now if her cancer had been caught ahead of time. She volunteers at the clinic in her free time, especially counseling the newcomers.


When he too was diagnosed, Jonathan, the other man in the group, had already lost a sister and a cousin to this woman's disease. He was furious. He blamed the medical profession, God, his mother, his wife, his co-workers, the government, and everybody in existence. After the surgery, he picked a fight with the doctors accusing them of not paying enough attention to him.
Jonathan still felt that people were more compassionate to women with breast cancer. He said he didn't blame them because of the losses in his family but nobody knew how to give support to frightened men. I am not afraid of showing my feelings on the subject but the medical profession is not ready for men with emotions, he said.

According to him the best way is what they have now, the support group of survivors receiving encouragement from each other. He said, There would be more men here if we could only get them to agree to talk about it.


The last one of the group and the youngest, Karen, found a lump while she was in the shower. She immediately went to her doctor and asked for a mammogram and an ultrasound. The results were normal. They showed nothing nasty. Both the doctor and the radiologist thought that the lump was fibrocystic.


After a few months, Karen still had the lump. So Karen went to see a surgeon on her own. The surgeon also thought that the lump was fibrocystic. After two more months when she found few more lumps near the original lump, she forced the surgeon to remove them. On the surgeon's recommendation, she went to have a needle biopsy one early morning. Later that day the pathologist called to inform her that she had breast cancer.


At first Karen cried. She cried until she had no more will or strength to even stand up. Then she called her mother. Not wanting to face reality, her mother said, At your age? What are you trying to pull? Karen banged the phone down. That is when her anger surfaced and she promised herself that she would fight this tooth and nail. She told us that she owed her life to her mother for making her angry enough.


Later, it was found out that Karen's cancer was the aggressive kind. She had to go through mastectomy plus chemotherapy.


Karen's doctors are very cautious now. She is scheduled for a bone scan in a few days.
Karen has read practically all the literature on the disease. She believes in her chances of survival greatly because of the recent advances in medicine. At the end, Karen recited a quote from her notebook, The journey back is no longer or farther than the forward run. She didn't know who said it, but they all agreed it could have been any one of them.


I can't help but admire the bravery of these men and women, and not only of these seven but of those everywhere, fighting with this dreadful disease. The ones I met were radiant, hopeful, and with spirit. Their courage will always be an inspiration.




About the Author

Joy Cagil is an author on a site for
Creative Writing (http://www.Writing.Com/)
Her training is in foreign languages and linguistics. In her background are varied subjects such as women's issues, mental health, and visual arts. Her portfolio can be found at