Saturday, May 24, 2008

Why Some Married Women Cheat On Their Husbands

Marriages in our society today do not seem to mean nearly as much as they used to in the past, with divorce commonly being the first preferential choice in modifying a married couples problems or troubles. Individuals who exchange their vows of matrimony, are not only making a promise to their new partner, but also to God, and many people seem to take that vow very lightly.

Just as men have unremarkably done in the past, in recent years is has become increasingly more common for women to cheat on their husbands as well. Women share many of the assonant reasons for cheating on their spouse as men do, the only difference is that it has somewhat been more acceptable behavior for that of the male species, than it is of the female species. Just as a man who lies down with many women is often referred to as a stud, when a woman implements the same behavior in herself, she is considered nothing more than a paramour, whore, concubine or worse.

Many women become unfaithful to their husbands out of revenge, and feel that if their husband is sleeping around, there is nothing to say that they themselves do not have the right to sleep around as well. Although it may feel great at first getting revenge, it truly fulfills no purpose, and can only aid in destroying what is left of the couple's marriage.

Women also tend to stray from their husbands when they are not getting enough attention from their husbands, whether it be mentally, physically or otherwise. Many women feel that they have become alienated from their husbands and no longer feel that there is any love or feelings between them, at least not coming from their husband's part. Depression and loneliness can lead an individual to do many things that they would never do had they been feeling like themselves.

Some women simply cheat on their husbands for the thrill of not getting caught, or the feeling that they are getting away with something. Often times it becomes an addiction for men and women alike, and seems to be uncontrollable until all is lost, including their marriage, their health, and many times their mental stability.

In closing, women cheat for exactly the same reasons that men do, and in either case, it is not physically safe to be sleeping around on your spouse, and risking losing your marriage, no matter how far lost you think your marriage may be. If you are that dead set on ending your marriage, go ahead and do it, before you start sleeping around, especially if you have children that will be hurt by your actions.

Article written by: Laura Fleenor - owner and webmaster of Articles 4 Me And U.com and Particle Articles.com. Laura is also webmaster of Article Pyramid.com. Laura holds an AAS in Computer Programming, an AS in Information Technology, and a Certificate of Program Completion in Web Page Design/Publishing.

Fallbrook Building Articles 4

Personal Branding 101 - Present Your Personal Brand Through Your Personal Profile

Whether you are in an organisation and developing your career or you are the leader of your own professional services practice, one thing you can be sure about....

.... at some stage in the next 12 months you are likely to be asked to present yourself on paper.

That could be for a proposal you are submitting, a job you are applying for or a profile you have to present as a speaker at a conference.

But when was the last time you reviewed your personal profile or CV? And does it accurately reflect your expertise and experience?

I was recently working with a professional association to support them building their brand on-line. They had developed a new web site which gave the members of the association the opportunity to add their details to the data base, providing them with increased visibility.

However, the quality of the personal profiles was so poor, they certainly were not likely to attract interest from potential clients or strategic joint venture partners.

I was also recently working with an executive who was looking for their next career move and we were working on developing their personal brand. However when we looked at their personal marketing materials - their CV - it certainly did not enhance their reputation.

I am frequently asked for a copy of my personal profile and what I have some to learn is that we need to have a core profile available at a moments notice so that we can adapt it to the needs of the audience requesting our profile.

You see it is much easier keeping your profile up to date and relevant than having to create it the first time.

So if your personal profile or CV is out of date, here are four personal branding action steps to ensure that your profile projects your personal brand.

1. Print out a copy of your current personal profile and identify which elements are no longer current.

2. Update your profile - whether it is a CV or professional profile make sure that it does not exceed 2 pages.

3. If you are not sure if your profile accurately reflects your personal brand and expertise, ask a colleague or friend to review it and provide feedback.

4. If you need additional assistance consider the support of a resume writer or personal branding coach to help you create

Do you want to learn more about this and similar strategies? Then join me for my no-cost branding and business development teleseminars.

Register today at: http://www.bizgrowthlive.com

Want to get started immediately? Then visit http://www.bizgrowthnews.com for immediate access to free resources, articles and audio turorials and bring your corporate brand, employer brand and personal brand to life today!

Copyright Krishna De. All Rights Reserved Worldwide.

Reprint Rights: You may reprint this article as long the article is printed in its entirety, you leave all of the links active, do not edit the article in any way and include the copyright statement.

About the author: Krishna De is considered to be one of Europes leading branding, business blogging, corporate podcasting, marketing and media experts. You will find Krishna building her brand online at http://www.krishnade.com where you can also access her content rich branding and business development ezine, bringing you strategies, inspiration and tips to attract more clients in less time with less stress.

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Wednesday, May 21, 2008

Commercial Real Estate - Learn To Profit from The Two-Step Purchase Offer Process

A commercial real estate purchase offer requires a two step process that includes a Letter of Intent followed by a Purchase and Sale Agreement. The importance of this two step process should not be underestimated because the non-binding Letter of Intent is quick, efficient and lays the foundation, for the lengthy legally binding Purchase and Sale Agreement.

The Letter of Intent begins your offer and is a concise, straightforward document that should be easy to understand and contains specific information spelling out the basic terms of the agreement you want the seller to read without feeling the urge to involve legal counsel. Your terms and conditions outlined in the Letter of Intent will begin structuring the Purchase and Sale Agreement for the commercial real estate under consideration.

The Letter of Intent is a combination of a cover letter with specific elements referencing documents you request for information. One particular part of the letter of intent you want to establish is your validity as an investor with an offer worth considering and your intention to purchase the property described. Only a fully executed purchase and sale agreement legally binds the parties to the deal.

The structure of a successful Letter of Intent will include but not be limited to the following:


Property description: a brief, accurate description of the property naming the number of units, bedrooms and baths, including the name of the apartment complex as described in the listing or information you received.


Purchase price: determined through an evaluation process that considers required rate of return, comparable market price and net operating income in relation to the price.


Earnest money deposits: amount applicable to the purchase price required and time frame needed to deposit it.


Date: establishes the response time by the seller of accepting or rejecting your offer.


Title and Title Insurance: relates to presenting documentation of clear title to the property


Due diligence: an attached exhibit outlining specific items for review required from the seller


Conditions of the offer: these include various items related to closing, costs, extensions, financing, property review, defaults, etc.

A well presented Letter of Intent sets the parameters for the negotiation and can position you for a successful Purchase and Sale Agreement.

Learn more about the Purchase Offer Process from a proven Investor Education Resource:
Investor Tours University is a dedicated resource helping investors build wealth and achieve their defined level of success. We offer state-of-the-art commercial real estate investing education, tailored to meet the needs of investors with varied backgrounds and experience levels. Our faculty network consists of national experts in legal, tax, investment strategy, property management, acquisition and sales professionals who practice daily what they teach investors, which is how to achieve generational wealth using commercial real estate.

Monte Lee-Wen is an accomplished author, CEO and Founder of Investor Tours University.

Investor Tours University currently offers:
- Free bi-weekly teleclasses
- Investment Education Seminars
- Investor Tours Events
- Investment Education Webinars
- And much more . . .

ITU is a subsidiary of the Partnered Property Acquisitions Group, The PPA Group, of Austin, Texas. The PPA Group has holdings of over $40 million in commercial real estate with a projected target of over $100 million in commercial real estate acquisitions by the close of 2007. Visit: http://www.theppagroup.com

The PPA Group does business in all 50 states. Monte may be contacted at (512) 651-0513. ITU is the #1 educational resource for in depth commercial real estate investment education offering a proprietary investment system taught by Monte Lee-Wen.

You are welcome to share this article, unedited, in it's entirety with anyone. You may not remove this text. 2007 Investor Tours University

Look at more articles just like this one go to: http://www.investortours.com

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De Luz Remodeling

Walking: It's Never Too Late to Lose Weight!

How did a thin person like me become overweight? My mother had probable Alzheimer's disease and I was her caregiver for nine years. During this time she lost the ability to read, understand television, converse with others, and the ability to speak. Eating was the only thing that gave her pleasure.

To give her some quality of life I took her out to lunch every Wednesday and cooked a gourmet meal for her every Sunday. Slowly but surely, I put on extra pounds. Though I had to buy larger clothes, I wasn't aware of my weight gain, and continued to think of myself as thin.

Looking back, I realize I was so busy caring for my mother that I forgot to take care of myself. After she died I still didn't take care of myself because I was grieving. But the day came when I stepped out of the shower, looked in the mirror, and gasped.

Who was this person?

When I went for my annual physical exam my doctor told me that tests showed a slight increase in my blood sugar level. She cautioned me about becoming a late onset diabetic and said I could avoid this by shedding a few pounds. "The next time you see me I'll be thinner," I declared.

I bought some walking shoes, a pedometer, and jined a health club. In the evenings I walked in my neighborhood. A year and a half later I was back to my college weight and clothing size. My blood sugar was normal, I had renewed energy, and could out-walk people half my age. Now my goal is to maintain a healthy weight.

I walk 10,000 steps a day, which is about fve miles. On snowy or rainy days I walk around the center island in my kitchen, inside at a local mall, or every grocery store aisle. Instead of piling thngs on the bottom step to take upstairs, I look for excuses to climb stairs.

Sometimes I don't get in 10,000 steps a day and when this happens I don't punish myself. I just walk more the next day.

In addition to my daily walking. I cut my protein intake, ate more fruit, vegetables, and fiber, and cut portion sizes. I'm 5' 5 1/2" inches tall, flucuate between 115-117 pounds, and have a Body Mass Index (weight adjusted for sex, height, and age) of 19 - an excellent number.

Daily walks help me to prevent diabetes, maintain a normal blood pressure, reduce the risks of heart attack and colon cancer, and slow bone loss. Walking can do the same for you. If you haven't been physically active lately, get a medical checkup before you start walking. No matter how old you are, it's never too late to lose the weight!

Copyright 2005 by Harriet Hodgson. To learn more about her work go to www.harriethodgson.com

Harriet Hodgson has been a nonfiction writer for 26 years and is a member of the Association of Health Care Journalists. A member of Mayo Clinic's Action on Obestity Task Force, she continues to write health recourses for chidlren and adults. Her latest book, Smiling Through Your Tears: Anticipating Grief, co-authored by Dr. Lois Krahn, is available on amazon.com by entering the title or her name. Hodgson is hard at work on her next book, Doctor in the House: An Inside Look at Medical Marriage.

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Commercial Mortgage Broker Marketing Secrets

What you know makes all the difference.

Countless surveys and articles have been written about how an independent commercial mortgage broker can market themselves. You can attend seminars, read books, listen to web broadcasts, or get the advice of your business associates. Marketing advice is everywhere, but who gets it? Who does it right? What can you do to bring clients to your doorstep? Im not talking about leads, you can buy leads. Im talking about real clients, the kind of clients that need your expertise, and will pay you real money to get it. I will tell you who will not come knocking at your door. Clients that dont know you exist.

Ok here is the secret to marketing. Do something. Whether right or wrong, do something. If you do nothing, it will always be the wrong thing. Dont be afraid to get your name out there. If you do something, you will be right some of the time and some of the time will bring you clients. Its not about a fancy ad campaign. Most of us cant afford that sort of expense and it wont work anyway. What clients need in the commercial mortgage industry is expertise and options. Options that will get their deals funded, and options that you, the expert commercial mortgage broker can offer. Educate those clients and you will reap the rewards.

Step 1- Figure out what makes you unique. Why would someone want to work with you to finance their commercial mortgage? Are you knowledgeable about the mortgage industry? Do you have multiple commercial lender contacts that make you invaluable to a potential client? If so, let them know.

Step 2- Write articles, send informational emails, write a newsletter, speak at investor events, anything to let people know who you are and why they need to do business with you. Above all educate your clients about yourself and about the commercial mortgage industry. Dont assume that they know what they are doing, assure they know what they are doing. It will make your job easier in the long run.

Step 3- Do it with a smile, self confidence, and a helpful spirit. No one wants to work with someone who is condescending or pessimistic. A lot of people have made it far with a smile and a great attitude. Know you can do it and get out there and do it. Henry Ford once said "Whether you think you can or you can't, you're right".

My time in military service taught me one great life lesson. That lesson is to control the things in your life that you can control and dont worry about the things you have no control over. There is nothing you can do to change those things. Think about that for a moment. How much time do you spend worrying about interest rates, traffic, or global warming? These are all things you have no control over, so dont worry about them. Whether your phone will ring tomorrow, next week, or next month with your next commercial deal is something you can control. Something you and only you can make happen. Take some time to decide what works best for you. What fits your style and abilities? Are you a good writer? Then write some articles and educate the commercial investors in your area on commercial finance. Are you better face to face? Join every investor or community group you can and go meet people. Having no budget is not an excuse for not marketing.

The only secret is to do something. No one knows your business better than you do. What makes you different? Why should someone do business with you? All you have to do is figure that out and let people know. Get the word out any way you can. Marketing is not magic.

Contributed by: Patrick Bedall, Vice President, VEC Financial Group

You are welcome to share this report, unedited and in its entirety. All links must remain intact. No information in this article should be taken as legal advice.

2007 VEC Financial Group

The VEC Financial Group (VEC) is a privately-owned company dedicated to providing commercial mortgage and business financing to property owners and entrepreneurs across the country. VEC Financial provides these services by connecting the right broker with the right borrower, who ultimately finances with the right lender. This personalized system of matchmaking helps provide the best possible commercial financing experience. For more information on how to join VEC Financial Group as a client, Associate Broker, vendor, or lender please visit our website.

http://www.vecfinancial.com

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Saturday, May 17, 2008

Save Some Coin! - A Guide to DIY Lawn Care

A great looking lawn and its care is possible for anyone, not just for professionals.

With an awareness of the issues that deal with proper lawn care and health, you can easily take care of your lawn yourself and save a lot of money that you would pay someone else to do the same job.

For those who have the time necessary to work on their lawns, ding it yourself lawn care is not difficult. The following tips will help you to properly take care of your own lawn and keep it healthy and beautiful.

DIY Lawn Tips

Regular mowing is one of the most important lawn maintenance steps. As a natural source of nutrients (in the form of slow-release nitrogen) for the grass, it is important to leave the grass clippings on the lawn after mowing.

Another necessary step in DIY lawn care is watering. Each time you water, you need to apply at least 2.5cm of water. You must make sure to apply the water across the lawn evenly, and you can make sure you are using the correct amount by placing a container on the lawn while watering. When the water level in the container reaches 2.5cm or slightly more, you can stop. Over watering can be just as harmful as under watering. Make sure you stop applying water before over watering occurs, so you can avoid poor growing conditions and potential disease on your lawn.

Fertilizing is the next crucial step in DIY lawn care. Compost will add organic matter to your lawn and is a great natural fertilizer. Besides the organic matter, other major and secondary nutrients supplement your lawn when composting. Overall, the results of composting help to ensure a healthy, growing lawn.

A commonly overlooked process of lawn care is aerating. When you notice that the ground is hard and compacted, if thatch is accumulating, or when you see that water is not soaking into the lawn, it is important to aerate. By aerating, your lawn will benefit from a smoother flow of water, air, fertilizer, and important nutrients from the plant roots.

These DIY lawn care tips will get you started in taking care of your own lawn. They will help you to save money and make sure that you have control over the beauty and health of your own lawn.

Watch out as Thomas Fryd talks about lawn care fertilizer burn. Join Tom as he shares his plant and landscape experience at www.Plant-Care.com where practical professional advice is always online.

Utility Closet At Entrance

India's Thrust on Renewable energy Resource - Power

Let us first understand what energy is. We need energy to move about and work. We need healthy food to get that energy. The plants convert the sunlight and water into energy to grow. On the other hand, we use energy to travel from place to place in a car or in a plane, and it is this energy that we use to light and heat our homes. We use the energy stored in fuels, when gasoline is used to power the car. The engine in the car transforms energy in fuel to work on the wheels, for the car to move.

The energy that we put to use every day comes from the Earth's natural resources, and these resources could be classified into two categories; renewable and non-renewable energy. It is the energy that we can use over and over again, which we call renewable energy, for example wood. We get more and more wood by growing trees, the source is far from running out at present. But, as far as gasoline is concerned, the resource has already started to deplete, and the energy that we get from fuel is a non-renewable energy.

The solar power is now being used to generate the much wanted electricity using the photovoltaic energy, converting the Sun's rays to generate electric power. These photo cells are devices, made from silicon alloys, which produce electric energy when the Sun light falls on it. The Suns rays are composed of photons, which contain various degree of energy, and this energy corresponds to the different wave-lengths of the solar spectrum. When the sunlight strikes a photocell, the photons falling on it either gets absorbed, reflected, or pass through. It is those photons that get absorbed produces electricity. As the Sun's rays strike the surface of the photovoltaic cell, electron migration takes place, and this creates imbalance of charge, which appears as a voltage potential at the output. A large array of thee photovoltaic cells are used to produce enough electricity to light up a small house. The Sun light is therefore a renewable energy source, which could be harnessed to provide power.

India's total installation of power capacity is a little over 124,000 MW and out of that 60% is coal based, with hydro at 25%, and the rest are coming from gas and nuclear energy. Power shortfall has been estimated at 11% of the total energy, and 15% of the peak capacity requirements. These are likely to increase. It has been recently announced that the country would be facing a sudden power shortage of 70,000 MW, and several measures are being taken by the Indian Government to avert the shortfall. However, the power sector planning estimates, that another 10,000 MW of capacity will be required by the country in the in the near future, with the requirement of a further 10,000 MW in the next 10 years. There are environmental concerns about coal-base power plants, related to its emissions of particulate matters, sulfur dioxide, nitrous oxide, carbon dioxide, methane and other gases. As regards the other alternative, Hydro-power plants can lead to degradation of soil, erosion, destruction of forest, wildlife displacement, and most important of all displacement of human habitats. The Indian Government has put the use of renewable energy in its top priority list to encounter the shortfalls envisaged.

Being a tropical and sub-tropical region, most part of the country experiences a clear sunny weather, over 250 to 300 days a year. This is comparable to the annual global radiation, which varies from 1600 to 2200 kWh/sq.m, which provides an equivalent energy potential of about 6,000 million GWh per year. According to the report maintained by the India Meteorological Department, the state of Rajasthan and Gujarat receives the highest annual global radiation, and with a large part of the land in the state of Rajasthan being barren and scarcely populated, it has become a suitable site for large central power stations based on solar energy.

In the sunny state of Rajasthan, the Indian Government is about to complete a huge new power station using hybrid systems. This fossil fuel/solar hybrid power plant is poised to generate a huge 140 megawatts of electric power, out of which 40 megawatt will be produced from a large array of solar parabolic troughs. The technology, which is much more cost effective than photovoltaic cells, uses large parabolic mirrors to focus the sunlight to heat a thermal media, like, gas or steam, which in turn drives a turbine generator. The project cost runs to about $1 million per megawatt and is still considered to be cheaper than the others.

In setting up a solar thermal plant in the state of Rajasthan, there are a few points to be proved, and these include:

-The operational viability of the technology used.
-Development of solar power energy for an expected significant reduction in operating costs.
-Contribute efficiently towards clean energy, and help to reduce greenhouse effect in the long run.

The operational viability of the solar energy thermal power plant is hoped to be demonstrated through commercial power sales and delivery arrangements with the grid. The technical development of the system is planned to be achieved through technical assistance and training. The power plant is a step forward to a long term program, for promoting the objective focused on climate change.

Over twenty two years experience in Oracle. Significant development & Management skills viz.,technical writing, project planning and execution, project management, Oracle sql, pl/sql, data flow design, database design, datawarehousing, Oracle applications viz., manufacturing, scm, crm, financials, hrms, workflow, Oracle discoverer, forms, reports, etc., having expertise in Business Analysis. Presently a Sr. Program Manager with a Large IT organisation in London, looking after 10 Oracle applications project in Europe, and managing offshore development partners.

Education:

1. Fellow - Institute of Electronics & Communication Engineers.
2. MSc. Eng (Computer Science), University of London.
3. BSc. Eng (Electronics), University of London.

Hobby: Writing

prabirsenuk@yahoo.co.uk

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