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After learning how to build your credit history as you apply for a mortgage loan, the next step is going to banks or lenders and starting your application. Preparing all the documents you need, you also have to learn how to canvass for banks with mortgage rates that suits your current financial status and capabilities.
The next experience that you will learn from after repairing or balancing out your credit score is knowing how mortgage brokers or lenders would approach you. Many first time loan applicants were not really okay with their first experience in dealing with lenders, but in the long run – gets along with it and learns how to communicate and transact with them.
Just like what consumers do, they judge services and products offered to them by companies before purchasing or accepting the service. Same goes with lenders, they review your financial back ground, your income, credit history, etc. They judge you mostly on the following:
- Creditworthiness
- This is where your credit score and history will play an important role. Lenders would want to know what kind of individual you are in terms of paying your credits. Are you always on time or late in paying? Do you pay in advance, etc? Your credit score will also help the lender determine the mortgage product that you deserve. The most popular credit score used by mortgage lenders is the FICO score, by Fair Isaac Corporation.
- Your current debt and income ratio
- Next thing that lenders would want to determine is your ability to pay once you are granted the mortgage loan. Do you have enough monthly income to pay your debt? Do you have full time, regular job or part time only, etc? This will also allow the lender to know how you are going to be able to pay them back on the loan.
There's actually more than these two that lenders review when someone applies for a mortgage loan to them. But these are two are among the most important, yet a critical judgment that will contribute to your approval for a loan or not.
For more information on how to apply for a mortgage loan, you can read more about it here.


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Tuesday, April 4, 2017
Tearing it Down Piece by Piece
8 comments:
- Pixel Peeper said...
I worry. I really worry about everything now.
- April 4, 2017 at 8:48 PM
- sage said...
I've wondered if it might not be best to let Gorsuch pass as he can't be as bad as Scalia or Thomas... There are a lot of things I disagree with him, but I am pretty sure we're not going to get a candidate with enough common sense to realize that a corporation is not the same as an individual and therefore corporations cannot enjoy the same constitutional protection.
- April 4, 2017 at 8:54 PM
- Jimmy said...
Like you said there is enough blame to go around, time to stop blaming and begin to work together no matter which party you claim....but I guess that makes too much sense, I know it won't happen but just my opinion.
- April 4, 2017 at 10:38 PM
- Harry Hamid said...
I'm a Green, which means I insult the Democrats routinely for not sticking by their alleged principles.
But as I get older, I am starting to realize that (especially when it comes to legislative bodies), compromise is the way things get done. It's why Clinton got more of his agenda through than Obama while also passing some things that look bad in retrospect.
The Tea Party was created to fight compromise at all costs, and now that attitude is crippling the GOP now that they're "in charge."
I don't know. I'm no expert on any of this, thank God.
- April 4, 2017 at 11:22 PM
- MigratingSpirit said...
Tina Gilbert writes about the Tragedy of Estrangement (as it pertains to adult children and parents) but as I read her opening volley yet again I also recognize that it applies to this country, the people and the government and the numerous splits we now sit within.
An excerpt that rings true to our country and we the people too:
"My trying to make you wrong will hurt you further. My trying to make you wrong will make it impossible for us to have a quality relationship.
Until I can stand to hear your story, I can't understand your experience. Until I understand your experience, I can't connect with the compassion that would compel me to apologize with all my heart. Until I offer you a heart-felt apology, you won't be able to hear me say that I didn't mean to hurt you.
Since I can't stand to hear your truth and you won't hear mine, we can't have a relationship anymore. And all because I love you so much that I literally cannot stand to know that I hurt you.
This is the tragedy of estrangement." ----- by Tina Gilbert.
Have we lost the art of compromise? There is no shame or loss in compromise.
- April 5, 2017 at 7:51 AM
- The Bug said...
It's so hard for me to think about compromise now since where the heck was all the compromise for the last 8 years? Why do we (democrats) have to be the grownups all the time? Ha! Of course, my side is full of angels & demons as much as the other side is. Sigh.
- April 5, 2017 at 2:02 PM
- Beach Bum said...
Pixel: Me too, current trends suggest the 21st century will be tougher than the 20th.
Jimmy: Personally, I think one of the biggest problems is that the desire for political power supersedes its real purpose to maintain and grow the country. Another thing is that Americans have become use to being kings of the global mountain. Such a mindset prevents individuals, groups, and whole nations from adapting to changing conditions. Like I said, neither the United States of the 18th century, nor the world as it was in the 1950's and 1960's when America was at its peak is the one we live in now. If Americans do not come to understand this fact we will be condemned to fall by the historical wayside.
Harry: Hate to say it but both those on the right and left who think its their way or the highway drive me crazy, Democracy can't exist without compromise. I have lost numerous liberal and progressive friends because their idea that, "The lesser of two evils is still evil." Clinton was a hugely flawed candidate but she would not have driven the country over a cliff like Trump is doing.
Migrating Spirit: TRUTH!
The Bug: Yeah, I agree. I was regularly disgusted with the way Republicans treated President Obama. In fact, several members of my family and I are not speaking because of a mutual distaste of each others politics. Yeah, the Democrats are the current adults in the political room because right-wingers are living of a climate of fear. On the other hand, getting our liberal brothers and sisters to stay focused and then out to vote on elections days is next to impossible.
- April 7, 2017 at 5:26 AM
- Ranch Chimp said...
No, I'm not an idiot that feels that compromise is "betrayal", but I'm also not an idiot that feels that if I dont compromise with someone stabbing me in the back, that I have one- way principles ... if I had reason to compromise and it was reasonable, I would. What we see in politics period is not reasonable, and I really dont care if they get a thing done up there for the next bloody damn 4 years, whenever they do get anything done or some "grand bargain", the majority get screwed somehow. And this new wave of Capitalism Hill neoliberalism, is playing itself out, with these 2 sides, in a competition to see who can kiss corporate mainstream asses better, and fall to their knees quicker, people are getting tired of this nonsense and good vs. evil games ... both these SOB's collectively aint worth a shit, especially the pay and benefits we give them. There is not even hardly any progressive voice at all, that isnt shut out, and only slight differences between this duopoly ilk, maybe on some social issues ... crap that big money dont care about, but use as a tool to play the masses. As far as for the democrats, I think they should be read FDR's letter to the democratic convention, 18 July 1940, that they never got, but sums up what they should be told. That's about it from my POV, have a good one guy.
- April 7, 2017 at 9:28 AM

subset: commoncrawl


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Since my teen ages, I remember myself from time to time coming back to the question of why I can see beauty. Every time I used to dip a bit into contemplations I faced another set of questions, like those: why we all see beauty differently, and what are those necessary conditions that enable beauty to happen in my world? Continue reading "Beauty in Tech: From Claude Monet to Customer User Interface"
What the Most Intelligent Chatbots Look Like
Every year attention of thousands of nerds and tech enthusiasts is getting focused on the one peculiar event. It is related to the most intelligent chatbot phenomenon. Since 2014 it has taken place in England (Bletchley Park) and it's ruled by four top technology minds, who are there to judge.
As you may have understood, it's a competition. The main purpose of taking part in it is craving to win Loebner Prize and to become noticed, of course. However, this contest differs a lot from any other related tech contests you may have heard of. What makes it different? The character of competitors. They are the most intelligent chatbots! Continue reading "What the Most Intelligent Chatbots Look Like"
Chatbots Evolution
What should it feel like to have your apps altogether just in one single intelligent conversational interface? Literally just ONE app for everything. Can you imagine that? Let's trace together with the way from a simple device (where we all started) to smart virtual assistant.
Continue reading "Chatbots Evolution"


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A latest news reported by The Age has confirmed a case of Zika Virus in a pregnant Victorian women after returning from overseas. It is not revealed which country she travelled to as to protect her privacy. However health professionals are advising women who are pregnant or wish to get pregnant to consider postponing travelling to any country with active Zika virus transmission.
According to ABC News Australia, Victoria's Health Department has released a health alert urging Victorians to "get access to good quality information" before travelling to countries where there was a Zika prevalence. The virus has been identified in 25 countries and currently have active transmission in Brazil and other parts of Central and South America.
On top of that according to Victoria's acting Chief Health Officer Roscoe Taylor, Zika Virus could also be sexually transmitted other than being transmitted by mosquitoes.
Symptoms of Zika Virus can include a fever, a rash which is sometimes itchy, and joint pains. However it is important to note that 80% of the time there might not be symptom at all. Hence, pregnant who have travelled to high risk Zika Virus areas and have symptoms should seek their GP for testing.
My heart goes out to pregnant women diagnosed with Zika Virus, it is truly an extremely stressful and anxious period for these women not knowing whether their unborn child is affected.
Leave a Reply.
Dr Nicole Ng (MBBS) is a medical doctor with a passion in women's health and medical research
August 2017


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Garden of Wishes is a small container garden with many of my favorite flowers, and the last I will paint in 2009. There are many things I wish for on New Year's Eve, but I have not yet decided upon a resolution. On my 30th New Year's eve, I made a resolution to begin painting. I kept that resolution, but redoubled my intensity 2 years ago after I launched my Web site.
I have so many goals still ahead, and so many hours of painting that will have to happen in order to reach them. Thank you to my friends for your words of support and for taking this art journey with me. Happy New Year to you and your loved ones from me and the fatties in Flower Mound Studio! I wish you peace and joy in the new year to come!
Aunty Melissa and Emmitt-Pants


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Store Locator
Computer and Student Lenses
Seiko Extensive Vision
Is the ideal spectacle lens for wearers who depend on powerful vision in their dynamic everyday life. You will experience the wow-effect especially when you start reading or later in the day, because these lenses have integrated areas for near and intermediate distances.
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Seiko Extensive Vision lenses are ideal for:
People between the ages of 10 and 40 that are starting to experience near vision discomfort and digital eye fatigue
People that suffer from fatigue while using digital devices
Students and Children that experience visual fatigue (tired eyes)
People who often change focus between near and intermediate distances


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The Washington Times
As the Democratic presidential field, following Howard Dean's lead, increasingly speaks in language designed to fire up the Democratic base, the party has developed a sharper edge on the attack against Republicans than it has displayed in years. One thing I have been wondering is whether the centrist wing of the party, as represented by the Democratic Leadership Council, would be modifying its pitch to accommodate, or perhaps, appease what everyone now agrees is the party's leftward lurch in presidential politics.
The answer is no. A memo to "Fellow Democrats" published this weekend in the DLC's magazine Blueprint from Al From and Bruce Reed, respectively the CEO and the president of the DLC, gives no quarter to the over-the-top Bush-bashing popular on the campaign trail, seeing it as a ticket to defeat in 2004. "No matter how angry they are at Bush, there are simply not enough Democratic faithful to send the president into early retirement," they write.
In fact, as the DLC noted in another recent publication, registered Democrats number about a third of the electorate. Yet, of registered Democrats, only about a third call themselves "liberal," with the rest styling themselves moderate or even conservative. It's important to keep the Dean surge in perspective. We are talking about a hard-core liberal Democratic base vote of about a ninth of the electorate. And with only the hard-core base of either party even remotely thinking about politics in July 2003, this third-of-a-third of Democrats is where the entirety of the enthusiasm for Mr. Dean is coming from. Nor, mind you, is opinion among this group unanimous. Mr. Dean has indeed earned the place he is now generally assigned among first-tier candidates, but it's premature to declare the world's angriest Democrat a shoe-in.
The Dean phenomenon is strangely reminiscent of Patrick Buchanan's primary challenge to George H.W. Bush in 1992. To be sure, there is no sitting Democratic president. But there is a Democratic Party establishment in Washington. And following the 2002 elections, it found itself badly out of alignment with party rank-and-file, having played it safe by failing to step up challenges to Mr. Bush, but having lost seats anyway. The position of the Democratic establishment in 2003 is roughly the position of the first Mr. Bush in 1991, thanks to his breaking his "no new taxes" pledge [among other things].
Mr. Dean is the outsider to the establishment insiders. And when, echoing the late Sen. Paul Wellstone's trademark line, he fired up the faithful with his declaration that he's from "the Democratic wing of the Democratic Party," it was just like hearing Mr. Buchanan exhorting his "Buchanan brigades" of "peasants with pitchforks" to take back their party and their country.
Among Republicans who identify themselves as conservative, Mr. Buchanan in his heyday, which would not really arrive until 1996 when he beat Bob Dole in New Hampshire, never enjoyed even plurality support against the other contenders for the nomination. And insofar as Republicans identify more frequently as conservative than Democrats do as liberal, Mr. Buchanan had a larger core to appeal to. But he lacked plausibility as a candidate in a general election, and many Republicans that might have been more sympathetic rejected him on those grounds.
What about Mr. Dean? Read this sentence by Messrs. From and Reed carefully: "With the electorate split down the middle, a candidate – particularly a Democrat – can win the presidency only if he convinces voters he's better than his party." Note that specification, "particularly a Democrat." A race between a Republican and a Democrat, each associated down-the-line with the electorate's perception of what it means to be a Republican or a Democrat – neither one "better than his party," in other words – will pose more trouble for the Democrat. That's because the electorate is closer to the Republican base than the Democratic base.
Messrs. From and Reed are convinced that a Democratic nominee "better than his party" can win in 2004, and they have some practical advice to that end: Take a tough line on national security matters [the "war against terrorism is likely to be as defining a political experience for the next generation as the Vietnam War was for baby-boomers"]; emphasize the deficiencies, especially economic, in the Bush record; offer an agenda that supports the middle class; and be patient. The opposition to Mr. Bush will not crystallize for another year, when "the nation will hear the single voice of a Democratic nominee, poised to go one-on-one with the president."
But as Messrs. Frum and Reed note, it matters what the nominee stands for. The question is whether electoral plausibility in November 2004, as opposed to merely making an anti-Bush point, is what's going to be on the minds of Democrats as they choose their presidential candidate. Messrs. Frum and Reed are unequivocal in declaring what they think won't work.


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To help our product support specialists quickly answer your question or resolve a problem please provide as much information as possible.Once you've submitted this form, a product support specialist will respond within one business day, and more often than not in just an hour or two. Our support hours are 10 am and 4 pm Eastern time Monday through Friday.
Before requesting help have you:


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With most farmers net income for 2o11 being most likely higher than 2010, you may want to consider paying a tax estimate payment on January 17, 2012 to give you until April 15, 2012 to file your return.
Most farmers try to get their tax return filed by March 1 of each year. If a farmer files and pays their income tax on or before March 1, there is no requirement to make any estimated tax payments for the year. However, many farmers have invested in other operations such as an ethanol plant and many times they have to wait until after March 1 for the k-1 or the farmer has investments and the form 1099 does not even show up until after this date.
This causes the farmer and tax preparer to get in a huge hurry and many mistakes can happen.
If a farmer knows that his tax liability for 2011 will be higher than 2010, they can simply pay last year's tax amount on or before January 17, 2012. The required amount to be paid in is last year's tax amount or 66.67% of this year's tax (net of any federal income tax withholding including any overpayment applied from 2010), whichever amount is less.
With today's low interest rates, paying in some tax on January 17th, with the remainder on April 15 will most likely have about the same interest cost of paying all of it on March 1 and save the farmer and their income tax preparer a lot of headache.
If you think this might apply to you, make sure to review your situation with your income tax advisor to determine what amount of tax to pay on January 17, 2012.


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Centre Buildings Redevelopment at LSE
- Developer / Owner: London School of Economics & Political Science
- Consultant: Rogers Stirk Harbour + Partners
RSHP's Centre Buildings Redevelopment at LSE involves the demolition of existing buildings along Houghton Street to create a state of the art, flexible and highly sustainable academic and teaching building. It also places a public square at the heart of the campus, creating a new focal point and improving connectivity and wayfinding throughout LSE. The design is vertically zoned with most of the public facilities situated at the lower levels to facilitate natural interaction with the new public realm.
Development Team:
Developer: London School of Economics & Political Science
Architect: Rogers Stirk Harbour + Partners
Structural Engineer: AKT
Planning Consultant: Turley
Services Engineer: Chapman BDSP
Fire Strategy and Acoustic Consultant: Hoare Lea
Landscape Architect: Gillespies LLP
Cost Consultant: Deloitte
- View on map
- Planning Granted
- Borough: Westminster
- Size: 211,199 sq ft
- Type: Education


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Dr Gareth Probert
Gareth specialises in helping clients working in the medtech, pharmaceutical and FMCG areas. He is also very skilled in Opposition and Appeal proceedings, and has attended over 200 hearings at the European Patent Office.
Gareth is very experienced at representing clients in Opposition and Appeal proceedings at the European Patent Office. He has achieved many successes in high value and business-critical oppositions, often working in conjunction with parallel national litigation. Gareth and his team often organise mock hearings in preparation for significant cases.
With a background in chemistry, Gareth focusses on medical technology and healthcare inventions. He has worked on pharmaceutical cases, including small molecule and peptide formulations. He also has considerable experience in the FMCG and food sectors.
After gaining BSc and PhD degrees in chemistry from Southampton University, he qualified as a UK and European Patent Attorney in 2002, winning the CIPA Gill Prize.
Gareth joined HGF in 2018 to lead the firm's new Nottingham office.


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Wednesday, January 11, 2012
Weigh in Day
It would be a lot more exciting if I wasn't making up for lost time with the weight I gained—but that's just the way it is and I can't change what is already done.
I am still 7.2 lbs. above my lowest weight. But 4.9 lbs. is a good loss for a week!
I weighed in at 208.5 for a total lost to date of 79.5 lbs.
Slowly, but surely, I'm getting there!
14 comments :
Great loss!!!ReplyDelete
That's great! Way to go!ReplyDelete
Congrats on the loss!ReplyDelete
Well done, that's a fabulous result. Forget about the past, forget about your previous lows, forgive yourself the errors of the past. Every day is an opportunity for a new start and new success :)ReplyDelete
Great loss!! congrats :)ReplyDelete
That's a great loss! WTG!ReplyDelete
Yay for a fgreat week. Well done you!!!ReplyDelete
Awesome!! Great loss!ReplyDelete
Goodness gracious! That's almost 80 pounds! HOLY LORD! That's two five-year-olds, you know. You've lots TWO FIVE-YEAR-OLDS.ReplyDelete
I applaud you on all your efforts. You're amazzzzzzzzzzzzzzzing!
Woooo hooooooReplyDelete
You will have those lbs you gained gone in no time!!!ReplyDelete
Congrats, Alissa! That box will be yours in no time at all! :)ReplyDelete
Congrats way to go!!ReplyDelete
Great blog! Just found it! You are very inspiring...keep up your hard workReplyDelete
Mallory @www.pickyeaterstory.blogspot.com check out my new blog!


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Over the next few days we're undertaking a tour of South Birmingham! Jenny's not sure it constitutes a real tour but Pete's convinced that if we load the camera into a car and go to three separate venues before taking it back to BOM it's a real tour, like what rock bands do. So there.
Saturday we'll be at Moseley Bog alongside the Mini Beasts and Bugs event from 1-4pm.
Sunday afternoon Pete's going to set up the camera at Hazelwell Allotments next to Hazelwell Park in Stirchley, where his wife has a plot, and mess around with it for an hour or so. It's not an official event so check the Twitter for when he's there and give him a ring on 07775 690106 if the gates are locked.
Monday we don't have anything planned. Any ideas?
Tuesday we're at Stirchley Community Market from 4-8pm, held in the garden of the delightful British Oak Pub on Pershore Road. The market has food and crafts from local small traders and is always a delight.
And then it's back to BOM.
Hope to see some of you!


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On Saturday, February 15th we will be saying our final farewell to What's Your Stitch 'n Stuff.
The doors open on Saturday at 9am to preview all of the auction items up for sale!
The auction begins at 10am
This is your last chance to own a little lasting memento from the shop. We have tons of fabric, bookcases, notions, antique furniture, boxes, baskets, crates, antique ladders, patterns, office supplies, kitchen supplies, quilting supplies, vacuums, display items…and the list goes on and on.
The auction is open to individuals as well as businesses. (Businesses, don't forget your tax papers).
Cash and check only, and a 10% buyers premium.
The store has been set up in 'lots' that you can bid on.
Check out the pictures at
Need more details, check out the auctions web site.
See you Saturday! Thank goodness we have no snow in the forecast!
Later, Sandra


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We had the best sound check ever at The Wet Squirrel Festival! :) Ha Ha. And...thanks to those brave souls who came our way on Sunday.
We do appreciate all the effort that was put into making it a great Festival anyway!
We'll be back out at The Red Lion this Friday May 30th. 6:30-9:00pm. looking forward to a nice evening of dinner and live music at The Red Lion. See ya then!


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As a value investor, it is often easier to find undiscovered or unloved stocks in the small and mid cap universe. After all, bigger companies are well known, followed by more analysts, and are very popular with retail investors. Those three factors lead to fairly high valuations more often than not within large caps. The tables have turned very quickly on Amgen shareholders. The stock hit a new yearly high in January of $78 per share. Since then though, they have seen a 25 percent haircut on several negative news events.
First, the FDA ordered the company to alter its warning label on Amgen's lead products for Anemia, Aronesp and Epogen, in order to warn doctors and patients about increased risks when using the drugs for off-label uses. Investors are worried that Amgen could lose as much as 10% of their sales of these drugs if people currently using them in off-label doses cut back.
The current stock price seems to suggest that Amgen not only will lose a sizable chunk of Anemia franchise sales, but also will not be able to make that up with any new drugs. Although that seems to be very unlikely over the long term, even if we assume the company does not grow, and their profits level out at around their 2006 level of $3.90 per share, the stock seems to have little downside. This is not to say it can't go lower in the next few weeks or months, but long term, I really can't see a world-class biotech company like Amgen trade at much less than 14-15 times earnings.
That is not to say, however, that I shun large cap stocks all the time. If a bigger company has fallen upon hard times and is being beaten up by Wall Street, it often represents an excellent opportunity for a contrarian investment. Expanding on this theme, shares of Amgen (AMGN), the largest biotechnology company in the world, have been slammed in recent weeks and the stock is trading at valuations not seen in years, if ever.
There are also concerns about Amgen's product pipeline, which many view as weaker than some other large cap biotechnology stocks. In fact, the company announced just last week that they stopped a clinical trial for one of their cancer drug candidates that they were testing in combination with Genentech's Avastin and chemotherapy.
Despite the short-term setbacks for the company, Wall Street's current valuation seems to be pricing in all of the negatives, giving very little chance that Amgen will be able to continue to grow. With the stock down $20 from its recent highs made earlier this year, the stock now trades at an astounding 14.9 times trailing earnings, cheaper than the S&P 500. As you can see from the chart below, biotech stocks traditionally trade at a premium to the market, and today is no exception, except for Amgen.
Obviously, a huge downward revision in earnings forecasts would make the current P/E outdated, but with a strong stock buyback in place, and the ability to make acquisitions to fill up their product pipeline (They bought Abgenix last year), an earnings collapse seems unlikely. Growth may slow, but the stock already reflects much, if not all, of that expectation.
If anything positive happens with the company, investors will likely realize fairly quickly that they became way too negative. With 25 drugs currently in development, the days of successful discoveries in Amgen's laboratories shouldn't be over by any means, but judging by the stock price, you'd think the company was on life support.
In cases like this when the market is assuming the worst, oftentimes it turns out that things will play out better than people are fearing. In my opinion, contrarian investors should consider adding Amgen to their list of stocks that warrant a closer look.
Full Disclosure: Long shares of AMGN at the time of writing


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Recommendable typefaces as alternatives to Franklin Gothic—designed by Morris Fuller Benton. The typefaces presented here can be seen as belonging to the same classification category as Franklin Gothic ("grotesque sans serif"), but each have their own look, aren't overused (yet) and are chosen because of their overall quality.
- 2


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Despite some notions that SSDs or HFS drives don't need defragmenting, I have often read and experienced myself that defragmenting your Mac every few years will clearly make it faster.
I had some trouble running iDefrag and would like to share a little trick I learnt. Basically it will refuse to run a full defrag, while your system drive is mounted. Restarting didn't help. Here is what I did in the end:
Continue reading


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Clearwater Dentist at ClearWhite Dental: 7 Benefits of Dental Implants
7 Benefits of dental implants
At our Clearwater dental office, ClearWhite Dental, we want you to be confident about the dental treatment decisions you make. So before you type, dentist near me, into your search bar, go beyond your dentist in Clearwater search and ask who the best dentist in Clearwater is to create the best dental implants for you.
"Dental implants can improve quality of life," says Clearwater dentist, Dr. Jergins. "It's such a relief when patients realize they have the closest thing to a natural tooth that stays in place, feels natural, and looks natural."
So what are the 7 benefits of dental implants?
- A more pleasing smile and greater self-confidence
- Improvement in speech
- Facial structure restoration
- Dental implants allow the jaw to absorb chewing pressure. This stops bone loss that is a consequence of missing teeth.
- Dental implants can be placed without altering healthy teeth.
- You can eat more food! Dental implants allow you to chew and eat a range of foods.
- Teeth no longer shift due to missing teeth.
"If you have missing teeth, did you know you are losing bone?" That's the question asked by Clearwater Dentist, Dr. M. Bradley Jergins.
Losing one or more of your teeth can cause a gap in your smile, the loss of chewing function, and the inability to eat a complete diet. While these are certainly serious issues, a potentially bigger problem lies hidden beneath the surface: bone loss. Without the tooth to stimulate the jaw, the bone beneath it will begin to shrink (atrophy) in the same manner that muscle underneath a cast gets smaller. Since your facial bone supports the skin and muscles on top of it, losing volume can cause your face to look prematurely aged. The good news is that dental implants offer a solution to stop bone loss.
Tooth replacement options
Conventional treatment options for tooth replacement, Crown & Bridge and full or partial dentures, address the short-term cosmetic problem of the missing teeth, but do nothing to stop the bone loss. Crown & Bridge also requires that two or more healthy teeth be ground down to serve as abutments (anchors) for a bridge, leaving them at a much greater risk for cavities and endodontic failure. With implants, however, the healthy teeth are not compromised. Plus, dental implants, like natural teeth, transmit chewing forces to the jaw, stimulating it and halting the bone loss. This is why many leading dental organizations recognize dental implants as the standard of care for tooth replacement.
Patients with single missing teeth, who hate the thought of trimming down good adjacent teeth to place a bridge, will find that an implant, followed by a single crown, is an excellent and conservative approach.
Frequently Asked Questions
Dental implants can help you look, eat, and feel better. More than a million have been successfully placed in North America. That's a lot of smiles! If you've been considering implants, here are a few of the most commonly asked questions:
Q: Do you do implants?
A: Yes, our office is actively involved with implant dentistry. We manage several implant cases each year. We work in partnership with an entire implant team to provide our patients with the best of care. Implants involve two treatment phases: placement of the implant(s), followed later by replacement of the actual tooth/teeth. We feel that we can offer better solutions for you by using the expertise of each team member.
Q: What are dental implants and what can they do for me?
A: Implants are today's best substitute for your natural teeth. They offer you the most permanent or secure solution for replacing one or more teeth. They are made out of titanium or similar biocompatible materials and function as the anchor to support traditional forms of dentistry, including crowns, bridges, or dentures. Many of our patients will tell you that implants have changed their smiles, their overall appearance, and even their lives!
Q: Are implants successful?
A: Implants have had a high success rate that extends for more than 30 years. For the last 10 years, many centers have reported success rates to be greater than 90% with proper personal and professional care. Few forms of medical or dental treatment have such high success rates.
Q: Are implants safe?
A: Definitely. Implants have been used for about 35 years and patients can expect a 98% biocompatability.
Q: Will my implants look natural?
A: Completely natural. You can eat, speak, and socialize with ease.
Q: Am I too old?
A: Implant patients can be young adults or adults in their 70s and 80s. Good health is the critical factor in evaluating implant candidates. Your quality of life is the important decision.
Q: Are they expensive?
A: While dental implants represent a more permanent and natural solution than dentures and partials, there is a greater initial investment. Independent surveys of implant patients show that they felt it was worth every penny and would do it again.
Q: How much do dental implants cost?
A: Each case is different. Cost is a function of your particular needs as well as expectations. It is similar to asking a car dealer how much it costs to repair a car. It depends on the current problems and an analysis of the situation. During a complete examination, the doctor will more specifically determine your dental needs and the best treatment alternative(s) for you. At that point, we can specifically address the question of cost and help you make financial arrangements.
Q: How long will implants last?
A: Implants are designed to be permanent. Although there are no guarantees in medicine, it is comforting to know that more that 90% last for twenty years or more.
Q: Does it hurt?
A: Discomfort is usually not a problem. In fact, many patients have said that having a tooth pulled was more painful. During placement of an implant, the doctor uses anesthetic so there won't be any discomfort. When you leave the office, you will be given medication should you need it. We urge you to ask other patients about their experience after implant therapy. Although you should not have any appreciable discomfort, the doctor and our office staff members are available anytime.
Q: What is involved in placing implants?
A: Our office works with another doctor who actually places the implant(s). This is done in the dental office with anesthetic. A small incision is made and a hole is created in the jaw bone. The implant is placed in the precision opening. The gum tissues are closed and the healing phase begins.
Q: How long will it take?
A: Recent advances from implant manufacturers are reducing the length of traditional implant procedures. In some cases it may be comparable to conventional treatment. Historically, treatment could take anywhere from four to 24 months based on the complexity of your case, where the implants are placed, and the type of restoration desired.
Q: What will it feel like when it is done?
A: Once the entire procedure is complete and the final crowns have been placed, they will feel similar to your natural teeth.
Q: Will I be without teeth?
A: Unless you require extensive grafting procedures, you will never be without cosmetically acceptable teeth. We will create temporary teeth that look and feel very natural.
Q: How do I take care of my implants?
A: Normal routine home care and professional cleaning visits are required. It is important to know that you will need to visit us every three to four months for a routine cleaning and evaluation. You have been given a second chance with new teeth and we want to work with you so that nothing happens that could have been prevented. Research has shown that implants can last in excess of 30 years if maintained with proper personal and professional care.
Q: What are the benefits?
A: Improves Appearance: Dental implants look and feel just like your own teeth, so no one will know unless you tell them.
Improves Self-Confidence: An attractive, natural-looking appearance, plus the ability to speak and eat normally and comfortably will have you smiling again!
Improves Oral Health: Dental implants actually preserve bone tissue, and the procedure is considered non-invasive because it does not affect the surrounding teeth.
Reliability: Dental implants have had a proven track record for more than 30 years, and are an excellent option for tooth replacement. If you are in good general and oral health you may be an excellent candidate for dental implants-no matter what your age!
Q: Can implants help me or someone I know?
A: The possibilities are unlimited, but here are a few examples. Lower denture patients benefit tremendously at any age. The traditional lower denture tends to float or come out when smiling, talking, laughing, kissing, and especially eating. With implants, the denture is firmly anchored so that the denture no longer slips out. Patients can enjoy eating a variety of foods, and their dentures can still be removed for regular cleaning. Removable partial denture patients who are tired of always having something in their mouth will benefit by placing implants followed by a non-removable prosthesis that will feel and act just like permanent teeth. Patients with a single missing tooth who hate the thought of "trimming down" good adjacent teeth to place a bridge will find that an implant, followed by a single crown, is an excellent and conservative approach.
Many patients who have received dental implants comment that there is a significant improvement in the quality of their lives and they feel more confident and comfortable chewing.
If you think implants could be a good choice for you, come in and talk to us about it. We can help you weigh your options and make the right choice. Whether you're missing one, or all of your teeth, dental implants can get you smiling again.
Please call our office at your convenience.
Call Clearwater Dentist, Dr. M. Bradley Jergins at ClearWhite Dental to find out about dental implants!


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Mebane NC New Home Neighborhoods
Lots for Mebane NC Custom Homes
Looking for Mebane NC custom homes? Start with these profiled communities and see what else is available by clicking the boxes below indicating the price point you want. Look for lots that enable you to "bring your own builder" to find a custom home neighborhood.
Contact us to find out what it takes to build your new home or call 919-278-8070 and tell us about your lot.
Our build process includes an on-site assessment, of the fit of your floor plan to your lot. Still looking for the right home site? Get help finding a lot.
Mill Creek
Lots starting low $30s. Mill Creek offers access to the Mill Creek Golf Course and Club, with pool, playground, and tennis courts. Village style new home neighborhoods. Find out more about Mill Creek here.
Beaver Valley
Lots starting low $30s. Beaver Valley is a 20+ homes neighborhood at 1600-3000 square feet. 1 acre, wooded lot on Toad Hollow Lane. Located near Lake Michael. Find out more about Beaver Valley here.
Apple Orchard
Lots starting low $30s. Apple Orchard is a 10 lot subdivision. 1,600 square feet minimum. Acreage lots. Find out more about Apple Orchard here.
Buckhorn Ridge
Lots starting from high $40s. Buckhorn Ridge lots are 1+ acres. Lot available in "Ridgetop" estate section of the community. Buckhorn Ridge offers nearly 30 acres of open space, nature preserve, 2 miles of walking/riding trails. Find out more about these Buckhorn Ridge here.
New Home Builders Mebane NC
Want help getting started finding a lot or piece of land for your new custom home? Contact us:
Stanton Homes designs and builds extraordinary custom homes in communities from country club to countryside within about an hour of the Apex NC region, with build price points up to $1 mil. From luxury estate to cottage, main floor master suite, one story ranch or two story multi-gen, accessible, universal, VA-approved Specially Adapted Housing, or certified Aging-in-Place - we build strength, quality and energy efficiency into floor plans originating at just about any custom floor plan source, well beyond the examples on our website.
Stanton Homes are turnkey, including site work, energy efficiency and our signature features and finishes.
Note: All information per MLS, current as of posting date. Information subject to change. Stanton Homes does not make claims to ownership of above lot listings, but can work with homebuyers to purchase lots and build. Floor plan approval is subject to builder requirements, neighborhood restrictive covenants and lot restrictions. Ask for further information regarding any community, lot, or home plan. The above data is furnished for informational purposes only. Neither Stanton Homes Inc nor its agents warranty the completeness or accuracy of this data. Prospective buyers should verify all data that is pertinent to their particular needs, or provide for verification as a condition of their offer to purchase. All information on this website is intended for consumers' personal, non-commercial use and may not be used for any purpose other than identification of prospective properties consumers may be interested in purchasing.


text: Our first Snow day by Mary Lowry-Martin // February 8, 2015 We moved started our Widebeam life in December 2014 at the start of one of the mildest winters on record. This meant that we didn't see any snow. Now that wouldn't be a problem for most people but both my... Continue reading →


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Peach season reaches its peak around July and August and we are ready for the madness. Peaches have been very affordable lately and quite delicious, especially here in Georgia. Peaches are a versatile summer fruit and there are so many great ways to enjoy an amazing Georgia peach. Additionally, peaches are packed full of B vitamins, are low in calories, and are a rich provider of minerals such as calcium, potassium, magnesium, iron, and zinc. Check out the recipe below for Cinnamon Sugar Grilled Peaches as it is a quick and easy summer desert that is sure to leave the sweet tooth satisfied, while not ruining your summer body goals!
If you've tried this recipe at home, send us your feedback! What would you do differently? What parts of the recipe did you love? Did your desert turn out great? We' would love to see pictures! Feel free to comment below 🙂
[yumprint-recipe id='22']


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California Suncakes - Date - Six-Pack
$ 14.96
Dates contain so many health benefits we couldn't possibly list them all here. So we won't. Instead have a stress-free day in an oat bar oasis filled with dates, cinnamon and ginger. Kick back, relax and enjoy your date.
WHOLE OATS, BROWN RICE SYRUP, BROWN RICE FLOUR, NATURAL FRUIT JUICE (Pineapple, Peach, Pear) SOY PROTEIN CONCENTRATE, SOY FLOUR, RICE BRAN, CHICORY ROOT FIBER. DATES, GINGER, CINNAMON.
May Contain Pits. Please Chew With Care.
"Basically, I live off of the Date oatcake. I order them by the case." —V.G. Boston, MA


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What Is Stakeholder Management?
Planning Your Stakeholder Communications
If you want your project to succeed, it pays to remember the old saying, "No man is an island."
Why? Because almost every project you work on – large or small, simple or complex – needs input from other people. And, chances are you'll depend on some of them for support, investment and resources.
Stakeholder management is the process of engaging with these people, and maintaining good relationships with them. You'll likely be working with people in many different roles, with varying levels of influence over your project. Communicating with each one in the right way can play a vital part in keeping them "on board."
So, in this article, and the downloadable worksheet that accompanies it, we outline the key steps that you can follow to create an effective, targeted stakeholder management plan.
Developing Your Stakeholder Management Strategy
The first step toward managing your stakeholders is to identify who they are!
Begin by reading our article, Stakeholder Analysis. It explains how to identify the key people who are involved with your project, and how to assess their power, influence and interest in relation to it.
The article also shows you how to enter this information on a simple Power/Interest Grid. You can use our interactive version, here.
Once you've mapped out your stakeholders' positions on the grid, you can start to devise a strategy for managing them. Remember, the aim of your communications is to win support for your project, or to ensure that your existing support is maintained.
Planning Your Stakeholder Communications
First, download our Stakeholder Communications worksheet. Then use the following six steps to manage your stakeholders:
1. Enter Your Power/Interest Grid Information on the Worksheet
First, in the Stakeholder Name column of your worksheet, enter the names of the key stakeholders that you identified on your Power/Interest Grid.
In the next column, Communications Approach, write down the strategy that is best suited to each stakeholder. The options are "Manage closely," "Keep satisfied," "Keep informed," or "Monitor."
In the Key Interests and Issues column, add each stakeholder's level of influence and area of interest in your task or project. Then, in the Current Status column, add your assessment of where they stand in respect to it: "Advocate," "Supporter," "Neutral," "Critic," or "Blocker."
2. Consider Your Stakeholder Management Approach
The way that you manage your stakeholders depends on:
- The size and complexity of your project. You could assess this by comparing it to past projects, by examining the project's milestones, by the amount of resources required, or by the time allocated to it, for example.
- The amount of help you need to achieve the results you want. This could include sponsorship, advice and expert input, physical resources, reviews of material to increase quality, and so on.
The time you have available to communicate. You need to consider how to manage the time you expect to spend on communication, particularly if your project requires a lot of stakeholder input.
It is often better to allocate more time to communicating with stakeholders, rather than trying to "get by" without all the help or input that you need.
3. Think Through What You Want From Each Stakeholder
Now, return to your list of stakeholders and think about the level of support that you want from each one – is it High, Medium or Low? Enter this value in the Desired Support column on your worksheet.
And, what role would you like each one to play in your project (if any)? Will you need full-time technical support, for instance, or just "ad hoc" advice? Note this down in the Desired Project Roles column.
Try to be as detailed as possible about what you want from your stakeholders. If there are specific actions that you need them to take to move the project forward, write them in the Actions Desired column of your worksheet. And make sure that you can explain why these actions are so important!
4. Identify the Messages You Need to Convey
Next, think about what you need to say to persuade your stakeholders to support you and to engage with your project.
Highlight the benefits that your project will bring to the organization or the individuals concerned, and focus on key performance drivers, such as increasing profitability or delivering real improvements.
Write down your key messages in the Messages Needed column of your worksheet.
Our article, The Persuasion Tools Model, can help you to identify the most effective messages, by taking your stakeholders' needs and preferences into account.
5. Identify Actions and Communications
Now, work out what you need to do to win and manage the support of your stakeholders. Bearing in mind the time and resources that are available to you, identify how you will manage the communication to, and the input from, your stakeholders.
Focus on the most important stakeholders first, and the less crucial ones later (refer back to your Power/Interest Grid, if you need to). Devise a plan that communicates with them as simply and efficiently as possible, with just the right amount of appropriate information.
Consider how often each stakeholder will want to receive updates, and in what form. Would they prefer email or face-to-face meetings, or visual updates such as Gantt charts, for example. Remember, your goal is to keep your stakeholders engaged and supportive, so take care not to "overload" them or waste their time!
Also, think about how you can win over or neutralize the opposition of skeptics. Where you need their active support, think about how to raise their level of interest. For example, could you show them a prototype of your new product or service, or persuade another influential stakeholder to present the project to them?
Write down your plans in the Action and Communication column of your worksheet.
Consider the impact that your project will have on your stakeholders, and manage their expectations by letting them know as soon as possible of any difficulties that arise. This can help to mitigate the impact of these issues, and it can preserve your reputation for reliability.
6. Implement Your Plan
Once you have prepared your Stakeholder Management plan, you can start to implement it.
Aim to make Stakeholder Management an integral part of your project, rather than treating it as a side task. As with all plans, it will be easier to implement if you break it down into a series of small, achievable steps which you action one by one.
And remember, projects are often subject to change as they go along. This means that your stakeholders' needs may change, too. So, review your plan regularly to make sure that you continue to communicate with the most influential stakeholders, in the most effective way, for the duration of your project.
Key Points
Stakeholder management is critical to the success of your projects.
Once you've identified them using Stakeholder Analysis, follow these six steps to keep your stakeholders on board:
- Enter the Power/Interest Grid data from your Stakeholder Analysis.
- Think through your approach to stakeholder management.
- Establish what you want from each stakeholder.
- Identify the messages that you need to convey.
- Identify the necessary actions and communications.
- Implement your plan.
Projects can change over time, so be sure to review your plan regularly.
This site teaches you the skills you need for a happy and successful career; and this is just one of many tools and resources that you'll find here at Mind Tools. Subscribe to our free newsletter, or join the Mind Tools Club and really supercharge your career!
Comments (10)
Over a month agoHi,
Identifying and managing stakeholders is critical when leading change, developing communications and leading projects. Thank you for the feedback on the article.
Mind Tools Team
Over a month agoThanks Rachel for such a nice article over stakeholders management. Identifying plans and then implementation is much much important.
Over a month agoHi mnaseersj,
Thanks for asking for examples. One thought is to ask in the forums for specific examples and see what other members have to offer. I am not experienced in Agile SCRUM Master or an IT Project Manager, so regrettably can not offer much further help.
The Forums are a great place to share ideas, thoughts and suggestions so why not come over and post your question there.
Mind Tools Team


text: Ever feel overwhelmed and feel like you just need a break? I hear you! Yoga and other healing retreats are the answer but what if going away is not an option? Well, what about a one-day urban retreat instead? The magic that happens on longer retreats can be replicated in a day or a few hours. How, you ask? Here's how:


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A delicious spongy soft and moist ghee cake recipe which is a perfect bite with a cup of tea.
- All purpose flour / maida- 3/4 cup
- Powdered Sugar- 3/4 cup ((or little less)
- Egg-2 nos
- Pure ghee-1 cup
- Salt-a pinch
- Baking powder-1tsp
- Milk-2 tbsp
- Vanilla extract- 1/2 tsp
- All ingredients for the cake must be in room temperature.
- Pre-heat the oven at 180 degree for about 10-15 minutes. Grease the baking tray with little hee and sprinkle some flour over it.
- Sift flour, baking powder and salt together for two time.Keep aside.
- In a large beat ghee and powdered sugar until pale and creamy.
- Add egg one by one and beat well.
- Add vanila extract and mix well.
- Add flour and milk alternatively by three additions with a spatula by folding in one direction.
- Pour the batter quickly in to the greased baking tray.
- Bake it in the pre-heated oven for about 30-35 minutes or until a skewer is inserted n the centre of the cake and check whether it comes out clean.
- After cools down completely cut in to slices or do your favorite topping!!
I Love Food


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As part of the Mindboggle project, Neuromorphometrics helped to develop a new cortical parcellation (anatomical labeling) protocol, the Desikan-Killiany-Tourville protocol. This DKT protocol was used by trained personnel to manually label 101 T1-weighted MRI brain volumes as part of Mindboggle's initial NIH-funded R01 grant.
Neuromorphometrics also developed a second whole-brain labeling protocol [.pdf]* that has also been used to manually label T1-weighted MRI brain volumes as part of another NIH-funded grant. In order to ensure that these anatomical labels are meaningful and useful to the neuroscientific community, we conducted a survey about the label definitions during its development.
Jason Tourville and Ruth Carper derived the protocol from some of the most prominent parcellation methods established by other research groups. After a detailed review of these methods, including their anatomic validity and consistency across brains, they consolidated the best approaches into a single parcellation protocol, which currently has 62 cortical regions:
*Please do not copy or distribute any portion of the protocol without permission from Jason Tourville, and email any questions to Dr. Tourville: jtour [at] cns.bu.edu


text: Pixey 3,994 Report post Posted May 21, 2017 (edited) The POLL is now open for voting on SOTW#167 - Favorite Place. It will be open until Saturday - 27th May, 2017 until 2 PM EST - 7 PM UK time. World Clock Good Luck! Edited May 27, 2017 by Pixey 1 Share this post Link to post Share on other sites


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RicheAssociates· Friday, June 23, 2017
What is long-term care? Insurance is an important tool for protecting yourself against risk. For instance, health insurance pays your doctor and hospital bills if you get sick or injured. But how can you help protect yourself against the significant financial risk posed by the potential need for long-term care services, either in a nursing home or in your own home? Long-term care goes beyond medical care and nursing care to include all the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time. You can receive long-term care in a nursing home, assisted-living facility, or in your own home. Though older people use the most long-term care services, a young or middle-aged person who has been in an accident or suffered a debilitating illness might also need long-term care. Beyond nursing homes, there is a range of services available in the community to help meet long-term care needs. Visiting nurses, home health aides, friendly visitor programs, home-delivered meals, chore services, adult daycare centers, and respite services for care- givers who need a break from daily responsibilities can supplement care given by family members. These services are becoming more widely available. Some or all of them may be found in your community. Your local Area Agency on Aging or Office on Aging can help you locate the services you need. Are you likely to need long-term care? You may never need long-term care. But about 19 percent of Americans aged 65 and older experience some degree of chronic physical impairment. Among those aged 85 or older, the proportion of people who are impaired and require long-term care is about 55 percent. In the year 2020, some 12 million older Americans are expected to need long-term care. Most will be cared for at home. Family members and
friends are the sole caregivers for 70 percent of elderly people. A study by the U.S. Department of Health and Human Services indicates that people age 65 face at least a 40 percent lifetime risk of entering a nursing home sometime during their lifetime. About 10 percent will stay there five years or longer. The American population is growing older, and the group over age 85 is now the fastest-growing segment of the population. The odds of entering a nursing home, and staying for longer periods, increase with age. In fact, statistics show that at any given time, 22 percent of those age 85 and older are in a nursing home. Because women generally outlive men by several years, they face a 50 percent greater likelihood than men of entering a nursing home after age 65. While certainly older people are more likely to need long-term care, your need for long-term care can come at any age. In fact, the U.S. Government Accountability Office estimates that 40 per cent of the 13 million people receiving long-term care services are between the ages of 18 and 64.
I'd like an expert to help me through this process.
What does long-term care cost? Long-term care can be very expensive and the real amount you will spend depends on the level of services you need and the length of time you need care. One year in a nursing home can average more than $50,000. In some regions, it can easily cost twice that amount. Home care is less expensive but it still adds up. Bringing an aide into your home just three times a week (two to three hours per visit) to help with dressing, bathing, preparing meals, and similar household chores can easily cost $1,000 a month or $12,000 a year. Add in the cost of skilled help, such as physical therapists, and these costs can be much greater. The average monthly fee assisted living facilities charge is around $2,000. This includes rent and most additional fees. Some residents in the facility may pay significantly more if their care needs are higher.
Who pays the bills? For the most part, the people who need the care pay the bills. Individuals and their families pay about one- fourth of all nursing home costs out-of-pocket. Generally, long-term care isn't covered by the health insurance you may have either on your own or through your employer. What about the government? Generally, neither Medicare nor Medicaid cover long-term care. People over 65 and some younger people with disabilities have health coverage through the federal Medicare program. Medicare pays only about 12 percent for short-term skilled nursing home care following hospitalization. Medicare also pays for some skilled at-home care, but only for short-term unstable medical conditions and not for the ongoing assistance that many elderly , ill, or injured people need. Medicare supplement insurance (often called Medigap or MedSupp) is private insurance that helps cover some of the gaps in Medicare coverage. While these policies help pay the deductible for hospitals and doctors, coinsurance payments, or what Medicare considers excess physician charges, they do not cover long-term care. Medicaid – the federal program that provides health care coverage to lower-income Americans – pays almost half of all nursing home costs. Medicaid pays benefits either immediately, for people meeting federal poverty guidelines, or after nursing home residents exhaust their savings and become eligible. Turning to Medicaid once meant impoverishing the spouse who remained at home as well as the spouse confined to a nursing home. However, the law permits the at-home spouse to retain specified levels of assets and income. It's impossible to predict what kind of care you might need in the future, or know exactly what the costs will be. But like other insurance, long-term care insurance allows people to pay a known, affordable premium for a policy to protect against the risk of much larger out- of-pocket expenses. Since it's likely you will need long-term care, you should learn about the insurance coverage available to help that's most appropriate for you.
Where can I get long-term care coverage? Although long-term care insurance is relatively new, more than 100 companies now offer coverage. Long-term care insurance is generally available through groups and to individuals. Group insurance is typically offered through employers, and this type of coverage is becoming a more common benefit. By the end of 2002, more than 5,600 employers were offering a long-term care insurance plan to their emplo yees, retirees, or both. Individual long-term care insurance coverage is a good option if you are not employed, work for a small company that doesn't offer a plan, or are self- employed. Choosing a policy requires careful shopping because coverage and costs vary from company to company and depend on the benefit levels you choose.
What are the types of long-term care policies?
Several types of policies are available. Most are known as "indemnity" or "expense incurred" policies. An indemnity or "per diem" policy pays up to a fixed benefit amount regardless of what you spend. With an expense-incurred policy, you choose the benefit amount when you buy the policy and you are reimbursed for actual expenses for services received up to a fixed dollar amount per day, week, or month. Today, many companies also offer "integrated policies" or policies with "pooled benefits." This type of policy provides a total dollar amount that may be used for different types of long-term care services. There is usually a daily, weekly, or monthly dollar limit for your covered long-term care expenses.
For example, say you purchase a policy with a maximum benefit amount of $150,000 of pooled benefits. Under this policy you would have a daily benefit of $150 that would last for 1,000 days if you spend the maximum daily amount on care. If, however, your care costs less, you would receive benefits for more than 1,000 days.
There are no policies that guarantee to cover all expenses fully. You usually have a choice of daily benefit amounts ranging from $50 to more than $300 per day for nursing home coverage. The daily benefit for at-home care may be less than the benefit for nursing home care. It's important to keep in mind that you are responsible for your actual nursing home or home care costs that exceed the daily benefit amount you purchased. Because the per-day benefit you buy today may not be enough to cover higher costs years from now, most policies offer inflation adjustments. In many policies, for example, the initial benefit amount will increase automatically each year at a specified rate (such as 5 per cent) compounded over the life of the policy. Some life insurance policies offer long-term care benefits. With these accelerated or living benefits provisions, under certain circumstances a portion of the life insurance benefit is paid to the policyholder for long-term care services instead of to the beneficiary at the policyholder's death. Some companies make these benefits available to all policyholders; others offer them only to people buying new policies.
What do policies cost?
The cost of long-term care insurance varies widely, depending on the options you choose. For example, inflation adjustments can add between 40 and more than 100 percent to your premium. However, this option can keep benefits in line with the current cost of care. The actual premium you will pay depends on many factors, including your age, the level of benefits, and the length of time you are willing to wait until benefits begin. A licensed long-term care insurance agent or a financial advisor can help in balancing policy features and premium cost.
In 2002, a policy offering a $150 per day long-term care benefit for four years, with a 90-day deductible, cost a 50-year-old a national average of $564 per year. For someone who was 65 years old, the national average cost was $1,337, and for a 79-year-old, the national average cost was $5,330. The same policy with an inflation protection feature cost, on average nationally, $1,134 at age 50, $2,346 at age 65, and $7,572 at age 79. Please note that these are only national averages. The cost of long-term care varies significantly by state. For the cost of care and coverage in your area, check with a representative of a long-term care insurer, an insurance agent, or financial adviser. Premiums generally remain the same each year (unless they are increased for an entire class of policyholders at once). That means that the younger you are when you first buy a policy, the lower your annual premium will be.
BENEFITS The amount of your premium also depends on the amount of the daily benefit and how long you wish that benefit to be paid. For example, a policy that pays $100 a day for up to five years of long-term care costs more than a policy that pays $50 a day for three years.
ELIMINATION OR DEDUCTIBLE PERIODS Elimination or deductible periods are the number of days you must be in residence at a nursing home or the number of home care visits you must receive before policy benefits begin. For instance, with a 20- day elimination period your policy will begin paying benefits on the twenty-first day. Most policies offer a
choice of deductible ranging from zero to 180 days. The longer the elimination or deductible period, the lower the premium. However, longer elimination periods also mean higher out-of-pocket costs. For instance, if have a policy with a 100-day waiting period and you go to a nursing home for a year, you must pay for 100 days of car e. If your stay costs $150 a day, your total cost would be $15,000. With a 30-day elimination period, your cost would be only $4,500.
When you're considering a long-term care policy, you should determine, not just how much you can pay for premiums but also how long you could pay for your own care. Bear in mind that while 45 percent of nursing home stays last three months or less, more than one-third last one year or longer. The more costly longer stay may be the devastating financial blow that you may want to insure against.
Will my premiums increase as I get older?
In general, premiums will stay the same each year. If they do increase, it will be for the whole class of policyholders, not because you as an individual have aged or your health has deteriorated.
What do long-term care insurance policies cover? Long-term care services are provided when a person cannot perform certain "activities of daily living" (ADLs), or is cognitively impaired because of senile dementia or Alzheimer's disease. Most commonly the ADLs used to determine the need for services include bathing, dressing, transferring (getting from a bed to a chair), toileting, eating, and continence. Today's policies cover skilled, intermediate, and custodial care in state-licensed nursing homes.
Long- term care policies usually also cover home care services such as skilled or nonskilled nursing care, physical therapy, homemakers, and home health aides provided by state-licensed and/or Medicare-certified home health agencies. Many policies also cover assisted living, adult daycare and other care in the community, alternate care, and respite care for the caregiver. "Alternate care" is nonconventional care and services developed by a licensed health care practitioner that serve as an alternative to more costly nursing home care. Benefits for alternate care may be available for special medical care and treatments, different sites of care, or medically necessary modifications to the
insured's home, like building ramps for wheelchairs or modifications to a kitchen or bathroom. A health care professional develops the alternate plan of care, the insured or insurer may initiate the plan, and the insurer approves it. You should know that the benefit amount paid for alternate care would reduce the maximum or lifetime benefit available for later confinement in a long-term care facility. Policies may limit the expenses covered under this benefit (for instance, 60 per cent of the lifetime maximum limit). Alzheimer's disease and other organic cognitive disabil- ities are leading causes for nursing home admissions and worry for many older Americans. These conditions are generally covered under long-term care policies.
What is not covered?
All policies contain limits and exclusions to keep premiums reasonable and affordable. These are likely to differ from policy to policy. Before you buy, be sure you understand exactly what is and is not covered under a particular policy.
PREEXISTING CONDITIONS Preexisting conditions are health problems you had when you became insured. Insurance companies may
require that a period of time pass before the policy pays for care related to these conditions. For example, a company may exclude coverage of preexisting conditions for six months. This means that if you need long-term care within six months of the policy's issue date for that condition, you may be denied benefits. Companies do not generally exclude coverage for preexisting conditions for more than six months.
SPECIFIC EXCLUSIONS Some mental and nervous disorders are not covered. Alcoholism and drug abuse are usually not covered, along with care needed after an intentionally self- inflicted injury.
What else should I know before I buy?
Virtually all policies now cover Alzheimer's disease and no longer require a hospital stay before paying nursing home benefits. Different options are available under different policies. These are:
ELIGIBILITY If you are in reasonably good health and can take care of yourself and if you are between the ages of 18 and 84, you can probably buy long-term care insurance. Some companies do not sell individual policies to people under age 18 or over age 84. Age limitations apply only to your age at the time of purchase, not at the time you use the benefits.
DURATION OR DOLLAR LIMITATIONS OF BENEFITS Long-term care policies generally limit benefits to a maximum dollar amount or a maximum number of days and may have separate benefit limits for nursing home, assisted living facility, and home health care within the same policy. For example, a policy may offer $100 per day up to five years of nursing home coverage (many policies now offer lifetime nursing home coverage) and only up to $80 per day up to five years of assisted living and home health care coverage. Generally, there are two ways a company defines a policy's maximum benefit period. Under one definition, a policy may offer a one-time maximum benefit period. A policy with five years of nursing home coverage, issued by a company using this definition, would pay only for a total of five years in a policyholder's lifetime. Other policies offer a maximum benefit period for each "period of disability." A policy with a five-year maximum benefit period would cover more than one nursing home stay lasting up to five years each if the periods of disability were separated by six months or more.
RENEWABILITY Virtually all long-term care policies sold to individuals are guaranteed renewable; they cannot be canceled as long as you pay your premiums on time and as long as you have told the truth about your health on the application. Premiums can be increased, however, if they are increased for an entire group of policyholders. The renewability provision, normally found on the first page of the policy, specifies under what conditions the policy can be canceled and when premiums may increase.
NONFORFEITURE BENEFITS This benefit returns to policyholders some of their benefits if they drop their coverage. Most companies now offer this option. The most common types of nonforfeiture benefits offered today are "return of premium" or a "shortened benefit period." With a "return of premium" benefit, the policyholder receives cash, usually a percent of the total premiums paid to date after lapse or death. With a "shortened benefit period," the long-term care coverage continues but the benefit period or duration amount is reduced as specified in the policy. A nonforfeiture benefit can add from 20 to 100 percent to a policy's cost. Some policies may offer "contingent nonforfeiture
benefits upon lapse," a feature that gives policyholders additional options in the face of a significant increase in policy premiums. If you do not purchase the optional nonforfeiture benefit, then a contingent nonforfeiture benefit is triggered if policy premiums rise by a specified percentage. For example, if, at age 70, your premium rises to 40 percent above the original premium, you have the option of either decreasing the amount y our policy pays per day of care or of con- verting to a policy with a shorter duration of benefits.
WAIVER OF PREMIUM This provision allows you to stop paying premiums during the time you are receiving benefits. Read the policy carefully to see if there are any restrictions on this provision, such as a requirement to be in a nursing home for any length of time (90 days is a typical requirement) or receiving home health care before premiums are waived.
DISCLOSURE Your medical history is very important because the insurance company uses the information you provide on your application to assess your eligibility for coverage. The application must be accurate and complete. If it is not, the insurance company may be within its rights to deny coverage when you file a claim. In fact, many companies now waive the preexisting condition requirement if you fully disclose your medical history and are issued a policy.
What about switching policies?
New long-term care insurance policies may have more favorable provisions than older policies. Newer policies, for instance, generally do not require prior hospital stays or certain levels of care before benefits begin. But, if you do switch, preexisting condition exclusions for specified periods of time will have to begin again. In addition, your new premiums may be
higher because they will be based on y our current age. You should never switch policies before making sure the new policy is better than the one you already have. And you should never drop an old policy before making sure the new one is in force.
What should I look for in a policy?
The National Association of Insurance Commissioners has developed standards that protect consumers. You should look for a policy that includes • At least one year of nursing home or home health care coverage, including intermediate and custodial care. Nursing home or home health care benefits should not be limited primarily to skilled care. • Coverage for Alzheimer's disease, if the policyholder develops it after purchasing the policy. • An inflation protection option. The policy should offer a choice among: – automatically increasing the initial benefit level on an annual basis, – or a guaranteed right to increase benefit levels periodically without providing evidence of insurability. • An "outline of coverage" that describes in detail the policy's benefits, limitations, and exclusions, and also allows you to compare it with others. A long-term care insurance shopper's guide that helps you decide whether long-term care insurance is appropriate for you. Your company or agent should provide both of these. • A guarantee that the policy cannot be canceled, nonrenewed, or otherwise terminated because you get older or suffer deterioration in physical or mental health. • The right to return the policy for any reason within 30 days after you have purchased the policy and to receive a premium refund. • No requirement that policyholders: – first be hospitalized in order to receive nursing home benefits or home health care benefits,
– first receive skilled nursing home care before receiving intermediate or custodial nursing home care, – first receive nursing home care before receiving benefits for home health care.
Before you buy
Insurance policies are legal contracts. Read and compare the policies you are considering before you buy, and make sure you understand all of the provisions. Marketing or sales literature is no substitute for the actual policy. Read the policy itself before you buy. Discuss the policies you are considering with people whose opinions you respect—perhaps your doctor, financial advisor, your children, or an informed friend or relative.
Ask for the insurance company's financial rating and for a summary of each policy's benefits or an outline of coverage. (Ratings result from analyses of a company's financial records.) Good agents and good insurance companies want you to know what you are buying. And bear in mind: Even after you buy a policy, if you find that it does not meet your needs you generally have 30 days to return the policy and get your money back. This is called the "free look" period. Don't give in to high-pressure sales tactics. Don't be afraid to ask your insurance agent to explain anything that is unclear. If you are not satisfied with an agent's answers, ask for someone to contact in the company itself. Call your state insurance department if you are not satisfied with the answers you get from the agent or from company representatives.
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Long-term care policy checklist
Before you begin shopping, you should find out how much nursing home or home health care costs in your area today. If you needed care right away could you find it locally or would you have to go to another, potentially more expensive area? Once you've done some research, you can use the following checklist to help you compare policies you may be considering. 1. What services are covered? • Nursing home care • Home health care • Assisted living facility • Adult daycare • Alternate care • Respite care • Other 2. How much does the policy pay per day for nursing home care? For home health care? For an assisted living facility? For adult daycare? For alternate care? For respite care? Other? 3. How long will benefits last in a nursing home? At home? In an assisted living facility? Other? 4. Does the policy have a maximum lifetime benefit? If so, what is it for nursing home care? For home health care? For an assisted living facility? Other?
5. Does the policy have a maximum length of coverage for each period of confinement? If so, what is it for nursing home care? For home health care? For an assisted living facility? 6. How long must I wait before preexisting conditions are covered? 7. How many days must I wait before benefits begin for nursing home care? For home health care? For an assisted living facility? Other? 8. Are Alzheimer's disease and other organic mental and nervous disorders covered? 9. Does this policy require: An assessment of activities of daily living? An assessment of cognitive impairment? Physician certification of need? A prior hospital stay for nursing home care? Home health care? A prior nursing home stay for home health care coverage? Other? 10. Is the policy guaranteed renewable? 11. What is the age range for enrollment? 12. Is there a waiver-of-premium provision for nursing home care? For home health care? 13. How long must I be confined before premiums are waived? 14. Does the policy have a nonforfeiture benefit? 15. Does the policy offer an inflation adjustment feature? If so, what is the rate of increase? How often is it applied? For how long? Is there an additional cost? 16. What does the policy cost? - Per year? • With inflation feature • Without inflation feature • With nonforfeiture feature • Without nonforfeiture feature - Per month? • With inflation feature • Without inflation feature • With nonforfeiture feature • Without nonforfeiture feature 17. Is there a 30-day free look?
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HIPAA's impact on long-term care insurance
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) affects how premiums and benefits are taxed and offers consumer protection standards for long-term care insurance. The following are answers to commonly asked questions about HIPAA.
Tax treatment
Q. What is tax clarification for private long-term care insurance and why is it necessary? A. The clarifications assure that, like major medical coverage, benefits from qualified long-term care insurance plans generally are not taxed. Without HIP AA clarifications, these benefits might be considered taxable income. Q. Will consumers be able to take a tax deduction for the premiums they pay on a tax-qualified long- term care insurance policy? Can consumers deduct from their taxes costs associated with receiving long-term care? A. The answer to both questions is "yes." HIPAA says that qualified long-term care insurance will now receive the same tax treatment as accident and health insurance. That means that premiums for long-term care insurance, as well as consumers' out-of-pocket expenses for long-term care, can be applied toward meeting the federal tax codes' 7.5 percent floor for medical expense deductions. However, there are limits, based on a policyholder's age, for the total amount of long-term care premiums that can be applied toward the 7.5 percent minimum. (Check with your financial planner or tax adviser to see if you are eligible to take this deduction.) Q. Will employers be able to deduct anything for the cost of providing or paying for qualified long-term care insurance for their employees? A. Generally, employers will be able to deduct, as a business expense, both the cost of setting up a long-term care insurance plan for their employees and the contributions that they may make toward paying for the cost of premiums. Q. Will employer contributions be excluded from the taxable income of employees? A. Yes. Q. Can Individual Retirement Accounts (IRAs) and 401k funds be used to purchase private long-term care insurance? A. No. However, under a demonstration project, tax- free funds deposited in Medical Savings Accounts can be used to pay long-term care insurance premiums.
Consumer protection standards
Q: What is the connection between consumer protection standards and tax treatment of long- term care plans? A. To qualify for favorable tax treatment, a long-term care policy sold after 1996 must contain the consumer protection standards spelled out in HIPAA. Also, insurance companies must follow certain administrative and marketing practices or face significant fines. Generally speaking, policies sold prior to January 1, 1997, automatically will be eligible for favorable tax treatment. Lastly, nothing in the new law prevents states from imposing more stringent consumer protection standards. Q: What kinds of consumer protections must insurance companies employ to meet HIPAA standards? A: There are several. Consumers must receive a "Shopper's Guide" and a description of the policy's benefits and limitations (i.e., Outline of Coverage) early in the sales process. The Outline of Coverage allows consumers to compare policies from different companies. Companies must report annually the number of claims denied and information on policy replacements and terminations. Sales practices such as "twisting"— knowingly making misleading or incomplete comparisons of policies—are prohibited, as are high-pressure sales tactics. Q. Do the HIPAA standards address limits on benefits and exclusions from coverage? A: Yes. According to HIPAA, no policy can be sold as a long-term care insurance policy if it limits or excludes coverage by type of treatment, medical condition, or accident. However, there are several exceptions to this rule. For example, policies may limit or exclude coverage for preexisting conditions or diseases, mental or nervous disorders (but not Alzheimer's), or alcoholism or drug addiction. A policy cannot, however, exclude coverage for preexisting conditions for more than six months after the effective date of coverage. Q: What will prevent a company from canceling my policy when I need it? A: The law prohibits a company from not renewing a policy except for nonpayment of premiums. Policies cannot be canceled because of age or deterioration of mental or physical health. In fact, if a policyholder is late paying a premium, the policy can be reinstated up to five months later if the reason for nonpayment is shown to be cognitive impairment. Q. Will these standards help people who, for whatever reason, lose their group coverage? A: They will. People covered by a group policy will be allowed to continue their coverage when they leave their employer, so long as they pay their premiums in a timely fashion. Further, an individual who has been covered under a group plan for at least six months may convert to an individual policy if and when the group plan is discontinued. The individual may do so without providing evidence of insurability.
If you need help Every state has a Department of Insurance that regulates insurers and assists consumers. If you need more information or if you want to register a complaint, check the government listings in your local phone book for your State's Department of Insurance. Additional information about long-term care is available from the Area Agency on Aging.
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Certificate handling differences with Windows Messenger 5.0 vs. 5.1
UPDATE <4/06/2005> Thanks Randy!
The customer having this issue followed up and identified the root cause to be an invalid Certificate Revocation Path on the certificates.
Users connecting to LCS 2003 configured for TLS with Windows Messenger 5.0 could connect successfully. After upgrading to Windows Messenger 5.1 they would fail the connection with the error:
A TLS connection could not be made. Please wait for your network administrator to correct this problem, and try again later.
The cause of this problem is with the Certificate Revocation List (CRL) and how each client handles it. Windows Messenger 5.0 will not treat a failure to get the CRL as fatal but the Windows Messenger 5.1 client will. If you capture the client logon with Network Monitor or Ethereal then you can see the LDAP or HTTP connection attempt.
Toml - LCSKid


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Skye doctor Jonathan Hanson is leaving behind his island duties to help Team GB athletes go for gold in Rio.
The 43 year old is just one of two NHS Highland doctors who will be heading for the Olympic Games in Brazil which are due to start next month.
Going with him will be Culloden based Dr Derick Macleod and the pair will have been chosen to serve as medical officers for the Performance Services Team during the games which will take place from 5th to 21st August.
The two doctors will primarily be based at the Olympic Village in Barra de Tijuca as part of a multi-disciplinary team made up of 44 highly-experienced health professionals from all four home countries.
Dr Hanson is a qualified consultant in sport and exercise medicine – one of only four in Scotland – and works part-time as a rural practitioner in Broadford. At the same time he shares his expertise working at the Sportscotland Institute of Sport in Stirling and for Scottish Rugby.
He said: "Derick and I are extremely proud to be selected, but most importantly the complete focus should be on our Team GB athletes. It's great for sport and exercise medicine in the north of Scotland that we are both supporting Team GB athletes to be the best they can be.
"We all have specific roles depending on our skills and background. For my role, working in a busy rural emergency environment has provided me with valuable experience that will help me and the team cope with any situation that arises.
"It has been a comprehensive selection process and we have been well prepared by Team GB and supported by NHS Highland colleagues."
Dr Hanson added: "Hopefully Team GB's success in the competition will inspire people of all ages to be more physically active in their daily lives. We don't all have to train like Olympic athletes as small changes like choosing to walk short journeys can provide real health benefits."
NHS Highland chief executive Elaine Mead said: "We are extremely proud that these two talented and dedicated experts from NHS Highland have been selected to support our Olympic athletes in Brazil.
"Their participation with Team GB, alongside their professional relationships with Scottish Rugby, Team Sky and Inverness Caledonian Thistle, highlights that not only are the Highlands a beautiful place to work, but our staff hold prestigious positions, showing that working in the north of Scotland provides outstanding career opportunities and development.
"We wish them and all of Team GB's athletes the very best of luck for the Olympic Games this summer."


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Killing a Bird to Boost Your Sex Drive: How Much Would You Pay?
By Richard Conniff for TakePart.com
According to myth, though not supported by any scientific studies, the meat of houbara bustards has aphrodisiac qualities.
Every year beginning in November, the tawny, mottled birds known as houbara bustards make their annual migration southwest from their breeding grounds in Kazakhstan, China, and Mongolia. Most end up in the deserts of Pakistan.
Another migration, by some of the richest and most powerful men in the world, soon follows them there, armed with almost every kind of hunting weapon imaginable.
Well, no drones, so far. But for Pakistani environmentalists, this uncontrolled slaughter by foreign powers is almost as enraging. The hunters often deploy a trained falcon to swoop in on a houbara and slam it to the ground, the victim reduced to a violent flapping of wings and feathers torn loose from its flesh. (They preserve the memory in videos like this.)
They also use shotguns on houbaras and target Siberian cranes and almost any other living thing foolish enough to come in range. A 2011 estimate—a guesstimate, really—put Asia's houbara population at no more 55,000 birds and sharply declining.
The houbaras, as well as the cranes, are nominally protected under the Convention on International Trade in Endangered Species, and the hunters all come from countries that are signatories to that convention. Worse, many of them are heads of state or national leaders of those countries—among them the United Arab Emirates, Qatar, Bahrain, Saudi Arabia, and Kuwait. This year, UAE actually sent a large delegation to slaughter bustards in Pakistan while it was simultaneously signing a treaty to protect them in Kazahkstan. (The apparent aim is to protect the birds for future hunting.)
You can find a complete list of the permit holders for the latest hunting season, which took place in December and January, here. It might be worth paying attention to the names, because these otherwise powerful men apparently hunt at least in part to boost their sex lives: Tradition says that the aphrodisiacal flesh of houbaras ranks somewhere between Spanish fly and Viagra. Maybe it's a kind of sympathetic medicine, suggested by the long, upright necks of these birds.
But it takes a lot of houbaras: Each of the 33 permits issued this hunting season allowed the holder to take 100 birds. Critics say the reality is that the hunters kill indiscriminately.
"Is there any more ridiculous reason to kill an animal?" asks Naeem Sadiq, one of the activists whose petition to end the hunting succeeded in establishing an interim ban last week an interim ban while the case proceeds. Pakistan has also warned the sheiks that it plans to suspend the 2014-2015 season, to allow for recovery of the birds. But environmental critics are skeptical that it will follow through."If it's illegal for Pakistanis to kill these birds, why should the Arab sheikhs be allowed to do it?"
Continue reading at http://www.takepart.com/article/2014/02/07/sex-drive-rich-men-killing-bird
Category: Featured Articles, Mother Nature, TakePart
Comments (3)
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would never do this. that is one of the most selfesh things i have heard. get viagra
This is obscene
I would rather abstain from sex for life rather than senselessly kill and animal for so-called pleasure which is of course a fallacy!
Human animals are the most stupid, ignorant,dangerous and destructive animals on the planet..


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Lateritic mineralization near Kalgoorlie, Western Australia: Dating by Mössbauer spectroscopy?
St Pierre, T.G., Webb, J. and Butt, C.R.M. (1990) Lateritic mineralization near Kalgoorlie, Western Australia: Dating by Mössbauer spectroscopy? Hyperfine Interactions, 57 (1-4). pp. 2279-2283.
Link to Published Version: http://dx.doi.org/10.1007/BF02405800
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*Subscription may be required
The hypothesis that the extent of geochemical evolution of lateritic iron oxides gives an indication of the relative age of the laterite is tested on a vertical profile in a gold mine near Kalgoorlie using Mössbauer spectroscopy and X-ray diffraction. No correlation between the structural or compositional properties of the iron oxides and their depth in the profile is found.
|Item Type:
|Journal Article
|Murdoch Affiliation:
|School of Mathematical and Physical Sciences
|Kluwer Academic Publishers
|© 1990 J.C. Baltzer A.G. Scientific Publishing Company
|Item Control Page


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Speakman's SE 4300 self-contained GravityFlo portable eyewash station has a 20 gallon tank capacity which provides a run time longer than the ANSI Z358.1 fifteen (15) minute requirement. It is the only portable eyewash with a built-in port for an optional side fitting SE 4920 drench hose which allows for spot body washing. One simple pull on the strap activates the unit immediately for hands-free operation. There is an integral drain which allows the flushing fluid to be contained in order to avoid slip hazards. It can be shelf or wall-mounted (includes bracket). Includes an integral eyewash sign.
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Check Out These Great Real Estate Investing Tips
A lot of people are always trying to find ways to generate more money. Many of these people love to test the. It is truly a fantastic income stream, but you need to do some research first. Here is some great tips to help you begin.
Be certain you spend enough time on the business and also learning about how it works. You might have to curtail your time spent on other activities in order to make good profits consistently. Ditch the poker night or softball league that you have more time to hone your investing skills.
Tenant problems can eat up your schedule.
You might be surprised to see how frequently people end up negotiating against themselves when they talk a lot. When listening, you can catch the right moments to position yourself at the price which you desire. Land near water or in the heart of a downtown area is likely to produce real value over time.
When you are buying real estate investment properties, it is a good idea to have an affordable handyman at your disposal. If you don't, you might find your profits are eroded by having to pay for pricey repairs. A handyman will … Read More