Four Different Types of Roofing Materials

A home can never be complete without a roof. Roofing is obviously the very first line of defense against any harsh weather, as well as other types of elements which could affect a certain home’s quality, appearance and value. Therefore, it is significant to put some thought into choosing the right type of materials for your roof. The good news is that there is always a wide variety of choices in materials and manufacturers to choose from for quality roofing.

To begin with, an asphalt material shingle is a very common type of product, especially with American homes. It will work great for a wide range of styles of roofs and may be a perfect choice for your home. Asphalt shingles do not cost that much and run from around 1 to 5 dollars for every square foot depending on your provider, as well as the kind of home that you have.

Asphalt roofing shingles come with a lot of advantages for your home. Usually the most important factor to a home owner, it is affordable. Secondly, this kind of roofing is a lot easier to repair compared to others. It can work well on just about any style of roof and is manufactured in various colors, shapes, depths of dimensions. This kind of roofing material is also resistant to any effect that great heat from the sun and inclement weathers conditions could cause.

Now, let’s move on to the second type of roof which is rubberized materials. This is an eco-friendly choice that can assure durability, cost-effectiveness and also proven to be leak proof even when it’s made from various recycled materials. Also, it does no require heavy maintenance due to the light weight and flexibility it carries. Rubber roofing comes in two types: shingled and whole roof. The shingled ones are made from synthetic materials and are better for simple structured homes while the whole roofs are great for a more detailed architectural design.

The third kind would be the tile roofing which is considered as an internationally recognized type of roofing. Just like the above types, this one can ensure durability. As a matter of fact, it is proven to be invulnerable from fire. Also, its longevity could last for up to 100 years and can highly improve air ventilation. Tile roofing comes in various patterns, textures, colors and shapes which can make things more fun upon the process of choosing the right ones in order to bring true elegance out of your home through the roofing.

Last but not the least, wood roofing is popular for homes that need to undergo major renovations. This roofing material usually runs anywhere from 4 to 8 dollars for every square foot. The price also depends on the way of cutting. Wood roofing is essential if you want to give your home a warmer look. It also has the great ability to prevent the occurrence of heat transmission.

Any of these types of roofs can be a great choice for you to make. However, it is still best to consider getting consultation from an expert in order to know what’s best for the type of home that you have in terms of safety, design and efficiency.

Transmission Repair Shop – Sneaky Tactics

I hate to say this but transmission repair shops employ some of the most dishonest practices in the automotive industry. They are able to get away with this for two reasons.

The first reason is for every 50 general automotive mechanic shops there are may be five transmission shops. So supply and demand naturally hires the prices these companies can charge. This is nothing new but some of these transmission companies get outrageous.

Second, unless you are a a specialist in this field you most likely know nothing about transmissions. Any technician can tell you anything and you have no verifiable way of double checking.

Here are some common scams in the transmission repair industry and some common mistakes that customers make:

We need a new transmission a shop will give usually give you two options. They can either install a brand-new transmission, which will cost a lot, or they can install a rebuilt transmission, which will still cost a lot but possibly be half the cost.

You have to understand the dangers in getting a rebuilt transmission. There is a good possibility that these will not be as good as a brand-new transmission or may not last as long. If you’re dealing with a reputable shop who has capable employees they can rebuild a long-lasting transmission.

They should also factor work up with some type of warranty. Do not get a rebuilt transmission without a decent warranty of some type. Make sure you get it in writing. There have been many shops who have sold customers rebuild transmissions and they failed within a matter of days or weeks.

Those same customers, of course being irate, came back to the shop only to find that that particular shop would not honor its “verbal” or “implied” guarantee. If you do however agree to a rebuilt transmission please do not come crying to the transmission repair shop when after the warranty you have problems again. He did go the cheapest route and you must understand that it comes with inherent risks.

Beware of transmission shops that have all sorts of low cost transmission maintenance services and specials to get in. Many of the automotive companies or what I like to call “commission fee based shops.” The shops pay their employees a small hourly wage but make it so they receive a percentage of their total gross sales.

Avoid these companies at all costs! These transmission repair shops have a system where they trick volumes of people every single day into their place of business with the lower at cheap rates and then convince them into buying services and parts they do not need.

This practice has become standard among many of the big box national chains and quite recently has been adopted by many of the small local ones. If you feel like you’re being pressured into buying something you feel you may not need, please, get a second opinion.

I have already touched a little upon the subject but I need to bring up the matter of warranties again. Every warranty and every guarantee needs to be in writing. Do not any transmission repair facility just tell you they back up all their work.

Do not just let them tell you you can bring your car back, and they will fix it for free, if within a couple weeks or months you experience the same problems they were supposed to fix. Every agreement should be in writing including all the terms and conditions.

And speaking of terms and conditions this brings us to the most common scam that most transmission repair facilities do. It is sad that many of these companies resort to what I’m about to say but all you have to do is look online and you will hear hundreds of horror stories.

You’re having transmission problems. You go to a local transmission repair shop and get an estimate. The parts and labor cost $1200. It seems fair see make arrangements to leave your vehicle with them for several days.

Within one day you get a call from the transmission shop. They proceed to tell you that the price is going to be more than what was on the estimate. The excuses are more numerous than the sands found on the beach. It could be any excuse from the parts costing more than expected to them not being aware of the certain problem when they first gave you the estimate.

So the result is that the price that was “$1200” is now “$3500.”

Now your typical person in this position has two options at this point. He can bite the bullet and pay the $3500, in effect paying $1800 more than what was agreed upon, or he can pick his car up.

Keep in mind that the cars is most likely already torn apart at this point. Here is where shops get even worse. In order for you to pick your car up the transmission shop is still going to charge you a fee for putting your car back together, storage, towing, and trust me they will find other miscellaneous charges to add upon that.

So you end up getting the work done, but in the process getting ripped off, or you’re left with the same broken car but you paid 500 bucks just to be able to pick it back up from a shop then attempted to screw you (and they did). It’s a no-win.

This is why you should only do business with reputable transmission repair shops. How do you know if the shop is reputable? In this day and age where honesty and honor are as common as black-and-white televisions you must do your homework.

Ask family, friends, coworkers, and acquaintances for recommendations. The good transmission repair shops are out there. You just have to find them among the many bad ones.

Once you get a recommendation from someone you know look the shop up on the Better Business Bureau, local websites where people post reviews, and forums. Ask a transmission shop for customer references.

If they are in fact reputable they should be able to produce one or two happy customers you can talk to. A little due diligence goes a long way because once they have your car you are at their mercy.

Hopefully this article will have giving you insight about the tricks transmission repair shops employ to make a quick buck and hopefully you will be able to take this information and benefit from it.

Scooters – What Are the Features of a Scooter?

Scooters are quickly becoming a popular choice for cost conscious consumers looking for an economical way to get around town. Scooters have many benefits from low costs to above average fuel efficiency. However, when looking to purchase a scooter there are many features that you’ll either get standard or can upgrade. Here are some of those features:

Front Hydraulic ABS Disc Brakes Scooters can come with hydraulic anti-lock braking system (ABS) disc brakes on the front wheel. Hydraulic ABS disc brakes is a safety system on motor vehicles which prevents the wheels from locking while braking. Providing the best possible brakes to have because they provide the best stopping power.

100 MPG Scooters can get up to 100 miles to the gallon. While this may occur with the newer and higher end models, this kind of gas mileage makes this scooter very fuel efficient and economical. This vehicle is the perfect alternative to cars and motorcycles to save on gas and keep extra money in your pocket!

Electric Start / Kick Start Most scooters come equipped with an electric start. The electric start starting system makes starting simple for anyone. They can also come equipped with a kick start. The kick start can also be used at any time.

4-Stroke Engine Gas motor scooters come equipped with up to a 250cc 4-stroke engine. These engines typically have the ability to go up to 55 miles per hour (MPH). With an engine this size, there is enough power for two people to ride.

Fully Automatic Transmission Scooters also have installed a fully automatic transmission. Operated by the simple to use ‘twist & go’ throttle acceleration in other words with a fully automatic transmission there is no clutch or gear shifting at all.

Storage Most scooters come equipped with a large storage compartment located underneath the seat. This extra storage can be used to put all your items that you would normally put in a car glove compartment. Other storage may include a detachable rear storage trunk to put bigger items such as a briefcase, laptop, or luggage.

Scooters come equipped with many features including front hydraulic abs disc brakes, fuel efficiency of up to 100 mpg, electric start / kick start, a 4-stroke engine, fully automatic transmission, and storage space.

Video Conferences

Videoconferences are groupware technologies that enable people in two or more locations to interact simultaneously by merging video, voice call, file sharing, instant messaging, and internet co-browsing across both Windows & Mac operating systems. Thanks to advancements high speed web connectivity, videoconferences are now more widely available at a lower cost. New, cheaper technologies such as the webcam, software compression and affordable broadband connections allow even personal users – not just business users – to enjoy video conferencing.

More importantly, video conferences have become extremely helpful in the field of medicine. It is now being applied to telemedicine – it is used to help diagnose patients remotely, conduct remote consultation, and transmit medical images and other pressing data all in real time.

Peripheral applications such as microscopes with built-in digital cameras, ultrasound tools, “videoendoscopes,” and many other related technologies can be connected to videoconferencing technology to transmit patient data. Stay-at-home patients can easily access nurses and physicians especially during medical emergency. Videoconferences also allow medical professionals to discuss cases and consult each other across large distances. Best of all, videoconferences allow patients in remote rural areas to get modern diagnosis without leaving their localities.

Videoconferences are now also widely available in schools and other educational institutions. Students, teachers and lecturers from the world over can hold classes together and even transmit these classes to isolated locations. Videoconferences have also lowered the costs of education, because students gain access to classes that their schools cannot afford to offer within their own vicinity for a lower cost.

Foreign language classes, for example, can be conducted from a remote university and transmitted to a recipient school. In some cases, videoconferences can replace field trips – economically disadvantaged students who cannot go personally to zoos, museums or to trips to other countries can immerse themselves in the same experience through the technology.

Communication in Today’s Corrections (Part One)

Anyone that has ever worked as either a Police Officer or a Corrections Officer knows the following: It’s either brawn or brain that will get you through the day. They also know that you have to use both (on occasion) if you are going to be successful at your job.

Those of us in the Correctional Profession know that most of the time, and not all the time, the physical confrontations that we encounter are the result of our actions. Now, I understand that some people might disagree with this, but it’s a hard reality to face. Where do we go wrong that leads to this type of confrontation? Communication.

There are really just two ways in which we communicate with people: Verbal and Non-Verbal. Most of our communication (roughly 85-87%) is done through body language. We can all tell when someone is upset, happy, mad, angry, indifferent, you get the point. When our body language says one thing and our mouth says another we tend to run into problems. Inside of a correctional facility we do not have the luxury of firearms, Tasers, or any other type of intermediate weapons on a regular basis. If you do, trust me when I tell you that the rest of us are extremely jealous of you! What does that leave the rest of us? Our mouth/brain combination and our hands.

True, some people have lost that all important connection between their brains and their mouths (also known as verbal diarrhea) but for the most part, the rest of us still have it intact. As an instructor, I always ask my classes the same question: “What’s the difference between a Correctional Officer and an Offender?” As expected, the answers I get are varied: “We go home at the end of the day!” “We didn’t kill anyone!” “We didn’t rape anyone” and the list goes on. I then pause and ask question again.

By this point they are looking at me with confused looks on their faces. I reply back to them “Although you are correct that we didn’t rape or kill anyone, and we do go home at the end of the day, the only difference between them and us is that they got caught and we didn’t.” I then go on to ask “Who in this classroom has never, in their entire life, done anything that someone is not currently doing time in a local, county, state, or federal correctional facility?” No hands go up….

Now keep in mind that I said “never, in their entire life, done anything…” We all have. Whether it was steal something as a kid or adult (office supplies anyone?) it’s still larceny. Got home after going out with friends and saying “I shouldn’t have driven home!” (We’ve heard the slogan “Buzzed driving is drunk driving”) You get the point.

Now that we have established that they are just like us, let’s establish another all important fact: Not everyone that is incarcerated will spend the rest of their lives behind bars. They are going to get out and become our neighbors.

Correctional Departments throughout the country have moved their old way of doing business into the modern era: Rehabilitation and Re-Integration. If we look their Mission Statements, we will likely see a common theme: Public Safety, Pro-social behavior, Re-integration and rehabilitation.

In order to effectively re-integrate and rehabilitate, we must do one thing: Communicate. Communication in a correctional facility can be broken down into 4 main categories:

1. No communication

2. Operational Communication

3. Human-Respectful Communication

4. Cognitive Reflective Communication

No Communication

Easy enough: we don’t talk, they don’t talk, we point, they do as told and we go on our merry way. Officers are separated from the offenders and there is almost no interaction.

Operational Communication

We say the bare minimum in order to get the job done and maintain control (“Come here!” “Go there!” “Chow time” “Do this!” “Don’t do that!” etc, etc, etc). Although there is still a separation between Officers and Offenders, there is more interaction than there is with no communication.

Human-Respectful Communication

This involves talking to offenders like a person, just like you would to anybody else you meet in public. Pro-social communication is effectively done at this stage. Although the use of “please” and “thank you” towards an offender would insult many Correctional Officers, it is part of being respectful and communicating effectively within a correctional facility. (More on this in Communication in Today’s Corrections Part Two).

Cognitive Reflective Communication

This is THE hardest form of communication to achieve. It involves a person to be willing to think about, and change, their behavior, thought process, and accept the consequences of their actions. And what’s the thing most of us hate the most? Change! And that is the reason why it’s the hardest form of communication/thought process that we have.

Once we learn how to communicate effectively, we can reduce the amount of problems that we face on the job every day and increase our “safety factor” exponentially. The proof is in the pudding…

Motorcycle Gas Mileage

With insane gas prices, people are looking at motorcycle gas mileage. More people are considering motorcycles to reduce their gas costs. I’ve gotten over 50mpg on my 2004 Road King Custom, which has the five speed   transmission . The new six speed will no doubt give you better mileage.

As you can see by the list below, Harley-Davidson motorcycles get great gas mileage ranging from around 53mpg for the big Screamin Eagle Ultra Classic and the Screamin Eagle DYNA, both with the 110 cubic inch engine to around 60mpg for the 883 Sportster.

If you’re considering a motorcycle to lower your gas costs, keep in mind the type of riding your going to be doing. If you’re thinking about an 883 Sportster to commute to and from work, remember the types of roads you’ll be traveling on. The Sporster gets great gas mileage but I would not want to spend a lot of time on the highway with it. If you are going to be doing a lot of highway riding, I would consider something bigger. Either way, you’ll be saving money on gas and having fun doing it. Here is a mileage estimate list for Harley motorcycles.

Sportster 883 models: 60 HWY/45 CITY

Sportster 1220 models: 57 HWY/42 CITY

DYNA Super Glide: 54 HWY/35 CITY

DYNA Super Glide Custom: 53 HWY/34 CITY

DYNA Street Bob: 54 HWY/35 CITY

DYNA Fat Bob: 53 HWY/34 CITY

DYNA Low Rider: 53 HWY/34CITY

DYNA Wide Glide 105Th Anniversary: 53 HWY/34 CITY

Screamin Eagle DYNA: 53 HWY/36 CITY

VRSV V-Rod: 42 HWY/34 CITY

Night Train Softail: 54 HWY/35 CITY

Softail Custom: 54 HWY/35 CITY

Fat Boy: 54 HWY/35 CITY

Rocker,Rocker C: 54 HWY/35 CITY

Softail Deluxe: 54 HWY/35 CITY

Heritage Softail Classic: 54 HWY/35 CITY

Electra Glide Standard: 54 HWY/35 CITY

Road King, Road King Classic, Road Glide, Street Glide: 54 HWY/35 CITY

Electra Glide Classic: 54 HWY/35 CITY

Screamin Eagle Road King: 53.5 HWY/37.7 CITY

Screamin Eagle Ultra Classic: 53 HWY/36 CITY

Google Redirect Virus Fix – How to Get Rid of Google Virus

Infecting users via internet exposure and nooks and crannies found in unsecured browsers are the main causes of the redirect virus. So where does one inject the use of Google redirect virus fix? In order to properly employ its use first it is essential to understand what this threat is and what it does. The redirect malware lives up to its name, the infection causes a hijacking of any search or website visit a user plans to make. Instead of finding their site of choice the virus redirects them to fake websites containing ads and even corrupted pages.

The following fake errors are displayed by the vius

  • Internet explorer cannot open web page
  • filename.exe is not a valid win32 application
  • Setup files are corrupted Please obtain new copy of program

Being a browser hijacking utility it manages to infect browsers like IE and Firefox and then redirects internet users to the following malicious sites.

  • clearask.com
  • brittaniasearch.com
  • go.Google.com
  • web-analytics.Google.com

The redirect threat is capable of disabling activated firewalls and security software which can then lead to a remotely accessible system. This allows hackers to have access over personal information such as login names, passwords, financial records etc.

What are the symptoms to consider when one wants to implement a Google redirect virus fix?

· An unknown change of desktop background

· Changes homepage

· Browsers such as IE and Firefox slows down noticeably

· Corruption of registry files thus resulting to the dreaded “Blue Screen of Death”

· Contamination of messengers, freeware and email attachments are also sure signs.

How does Google redirect virus fix work?

1. Select Show Hidden Devices under Hardware Device Manager in your Windows Control Panel.

2. Search for “TDSSserv.sys” right click Disable. Do not select Uninstall otherwise the infection will reappear once the computer is restarted.

3. Reboot the pc.

4. Immediately update antivirus software and the Google redirect virus will cease to exist in your workstation.

It pays to be vigilant and alert when using the internet. Avoid malicious sites and constantly scan your system and update your security tool to avoid contaminations. It is also best not to rely on one antivirus software alone having another reliable application can help sift through the threats that the other was incapable of detecting.

A New Way to Invest in Property

The two most frequently asked questions by investors are:

  1. What investment should I buy?
  2. Is now the right time to buy it?

Most people want to know how to spot the right investment at the right time, because they believe that is the key to successful investing. Let me tell you that is far from the truth: even if you could get the answers to those questions right, you would only have a 50% chance to make your investment successful. Let me explain.

There are two key influencers that can lead to the success or failure of any investment:

  1. External factors: these are the markets and investment performance in general. For example:
    • The likely performance of that particular investment over time;
    • Whether that market will go up or down, and when it will change from one direction to another.
  2. Internal factors: these are the investor’s own preference, experience and capacity. For example:
    • Which investment you have more affinity with and have a track record of making good money in;
    • What capacity you have to hold on to an investment during bad times;
    • What tax advantages do you have which can help manage cash flow;
    • What level of risk you can tolerate without tending to make panic decisions.

When we are looking at any particular investment, we can’t simply look at the charts or research reports to decide what to invest and when to invest, we need to look at ourselves and find out what works for us as an individual.

Let’s look at a few examples to demonstrate my viewpoint here. These can show you why investment theories often don’t work in real life because they are an analysis of the external factors, and investors can usually make or break these theories themselves due to their individual differences (i.e. internal factors).

Example 1: Pick the best investment at the time.

Most investment advisors I have seen make an assumption that if the investment performs well, then any investor can definitely make good money out of it. In other words, the external factors alone determine the return.

I beg to differ. Consider these for example:

  • Have you ever heard of an instance where two property investors bought identical properties side by side in the same street at the same time? One makes good money in rent with a good tenant and sells it at a good profit later; the other has much lower rent with a bad tenant and sells it at a loss later. They can be both using the same property management agent, the same selling agent, the same bank for finance, and getting the same advice from the same investment advisor.
  • You may have also seen share investors who bought the same shares at the same time, one is forced to sell theirs at a loss due to personal circumstances and the other sells them for a profit at a better time.
  • I have even seen the same builder building 5 identical houses side by side for 5 investors. One took 6 months longer to build than the other 4, and he ended up having to sell it at the wrong time due to personal cash flow pressures whereas others are doing much better financially.

What is the sole difference in the above cases? The investors themselves (i.e. the internal factors).

Over the years I have reviewed the financial positions of a few thousand investors personally. When people ask me what investment they should get into at any particular moment, they expect me to compare shares, properties, and other asset classes to advise them how to allocate their money.

My answer to them is to always ask them to go back over their track record first. I would ask them to list down all the investments they have ever made: cash, shares, options, futures, properties, property development, property renovation, etc. and ask them to tell me which one made them the most money and which one didn’t. Then I suggest to them to stick to the winners and cut the losers. In other words, I tell them to invest more in what has made them good money in the past and stop investing in what has not made them any money in the past (assuming their money will get a 5% return per year sitting in the bank, they need to at least beat that when doing the comparison).

If you take time to do that exercise for yourself, you will very quickly discover your favourite investment to invest in, so that you can concentrate your resources on getting the best return rather than allocating any of them to the losers.

You may ask for my rationale in choosing investments this way rather than looking at the theories of diversification or portfolio management, like most others do. I simply believe the law of nature governs many things beyond our scientific understanding; and it is not smart to go against the law of nature.

For example, have you ever noticed that sardines swim together in the ocean? And similarly so do the sharks. In a natural forest, similar trees grow together too. This is the idea that similar things attract each other as they have affinity with each other.

You can look around at the people you know. The people you like to spend more time with are probably people who are in some ways similar to you.

It seems that there is a law of affinity at work that says that similar things beget similar things; whether they are animals, trees, rocks or humans. Why do you think there would be any difference between an investor and their investments?

So in my opinion, the question is not necessarily about which investment works. Rather it is about which investment works for you.

If you have affinity with properties, properties are likely to be attracted to you. If you have affinity with shares, shares are likely to be attracted to you. If you have affinity with good cash flow, good cash flow is likely to be attracted to you. If you have affinity with good capital gain, good capital growth is likely to be attracted to you (but not necessary good cash flow ).

You can improve your affinity with anything to a degree by spending more time and effort on it, but there are things that you naturally have affinity with. These are the things you should go with as they are effortless for you. Can you imagine the effort required for a shark to work on himself to become sardine-like or vice versa?

One of the reasons why our company has spent a lot of time lately to work on our client’s cash flow management, is because if our clients have low affinity with their own family cash flow, they are unlikely to have good cash flow with their investment properties. Remember, it is a natural law that similar things beget similar things. Investors who have poor cash flow management at home, usually end up with investments (or businesses) with poor cash flow.

Have you ever wondered why the world’s greatest investors, such as Warren Buffet, tend only to invest in a few very concentrated areas they have great affinity with? While he has more money than most of us and could afford to diversify into many different things, he sticks to only the few things that he has successfully made his money from in the past and cut off the ones which didn’t (such as the airline business).

What if you haven’t done any investing and you have no track record to go by? In this case I would suggest you first look at your parents’ track record in investing. The chances are you are somehow similar to your parents (even when you don’t like to admit it ). If you think your parents never invested in anything successfully, then look at whether they have done well with their family home. Alternatively you will need to do your own testing to find out what works for you.

Obviously there will be exceptions to this rule. Ultimately your results will be the only judge for what investment works for you.

Example 2: Picking the bottom of the market to invest.

When the news in any market is not positive, many investors automatically go into a “waiting mode”. What are they waiting for? The market to bottom out! This is because they believe investing is about buying low and selling high – pretty simple right? But why do most people fail to do even that?

Here are a few reasons:

  • When investors have the money to invest safely in a market, that market may not be at its bottom yet, so they choose to wait. By the time the market hits the bottom; their money has already been taken up by other things, as money rarely sits still. If it is not going to some sort of investment, it will tend to go to expenses or other silly things such as get-rich-quick scheme, repairs and other “life dramas”.
  • Investors who are used to waiting for when the market is not very positive before they act are usually driven either by a fear of losing money or the greed of gaining more. Let’s look at the impact of each of them:
  • If their behaviour was due to the fear of losing money, they are less likely to get into the market when it hits rock bottom as you can imagine how bad the news would be then. If they couldn’t act when the news was less negative, how do you expect them to have the courage to act when it is really negative? So usually they miss out on the bottom anyway.
  • If their behaviour was driven by the greed of hoping to make more money on the way up when it reaches the bottom, they are more likely to find other “get-rich-quick schemes” to put their money in before the market hits the bottom, by the time the market hits the bottom, their money won’t be around to invest. Hence you would notice that the get-rich-quick schemes are usually heavily promoted during a time of negative market sentiment as they can easily capture money from this type of investor.
  • Very often, something negative begets something else negative. People who are fearful to get into the market when their capacity allows them to do so, will spend most of their time looking at all the bad news to confirm their decision. Not only they will miss the bottom, but they are likely to also miss the opportunities on the way up as well, because they see any market upward movement as a preparation for a further and bigger dive the next day.

Hence it is my observation that most people who are too fearful or too greedy to get into the market during a slow market have rarely been able to benefit financially from waiting. They usually end up getting into the market after it has had its bull run for far too long when there is very little negative news left. But that is actually often the time when things are over-valued, so they get into the market then, and get slaughtered on the way down.

So my advice to our clients is to first start from your internal factors, check your own track records and financial viability to invest. Decide whether you are in a position to invest safely, regardless of the external factors (i.e. the market):

  • If the answer is yes, then go to the market and find the best value you can find at that time;
  • If the answer is no, then wait.

Unfortunately, most investors do it the other way around. They tend to let the market (an external factor) decide what they should do, regardless of their own situation, and they end up wasting time and resources within their capacity.

I hope, from the above 2 examples, that you can see that investing is not necessarily about picking the right investment and the right market timing, but it is more about picking the investment that works for you and sticking to your own investment timetable, within your own capacity.

A new way to invest in properties

During a consultation last month with a client who has been with us for 6 years, I suddenly realised they didn’t know anything about our Property Advisory Service which has been around since April 2010. I thought I’d better fix this oversight and explain what it is and why it is unique and unprecedented in Australia.

But before I do, I would like to give you some data you simply don’t get from investment books and seminars, so you can see where I am coming from.

Over the last 10 years of running a mortgage business for property investors:

  • We have executed more than 7,000 individual investment mortgages with around 60 different lenders;
  • Myself and our mortgage team have reviewed the financial positions of approximately 6,000 individual property investors and developers;
  • I have enjoyed privileged access to vital data including the original purchase price, value of property improvements and the current valuation of close to 30,000 individual investment properties all around Australia from our considerable client base.

When you have such a large sample size to do your research on and make observations, you are bound to discover something unknown to most people.

I have discovered many things that may surprise you as much as they surprised me, some of which are against conventional wisdom:

Paying more tax can be financially good for you.

This one took me years to swallow, but I can’t deny the facts. The clients who have managed to get into a positive cashflow position have paid a lot of tax and will continue to pay a lot of tax, whether it is capital gains, income tax or stamp duty. They don’t have an issue with the tax man making some money as long as they continue to make more themselves! They regularly cash in the profits from their properties and reduce their debt, but always continue to invest and park their money where the return is best. In fact, I can almost say that the only people who enjoy positive cashflow from their investment properties are the people who have little concern about paying taxes as they treat them as the cost of doing business.

Just about every property strategy works. It just depends on who does it, how it is done, when it is done and where it is done.

When I first started investing, I went and read many property investment books and attended many investment educational seminars. Just about every one of them was convincing and this confused the hell out of me. Just when I was about to form an opinion against a particular property strategy, someone would show up in one of my client consultations and prove that it worked for them!

After testing many of these strategies myself, I came to realise that it is not about the strategy,(which is only a tool) but rather it is about whether the person is using the tool appropriately at the right time, in the right place and in the right way.

There is no such thing as the best suburb to invest in, forever.

If you randomly pick a particular property in what you think is the best suburb over a 30 year window, you will find that there are periods during which this property will outperform the market average, and there are periods when this property will underperform the market average.

Many property investors find themselves jumping into historically high growth suburbs at the end of the period when it is outperforming the average, and then stay there for 5-7 years during the underperforming period. (Naturally this can taint their view of property investing as a whole!)

There is no such thing as the worst suburb to invest in, forever.

If you pick a property in the worst suburb you can think of from 40 years ago, and pitch that against the best suburb you can think of over the same period of time, you will find they both grew at about 7-9% a year on average over the long-term.

Hence in the 1960s, a median house in Melbourne and Sydney was valued at $10k. The worst property around that time may have been 30% of the median price for then, which was say about $3k. Today, the median house price in these cities is about $600k. The worst suburb you can find is still around 30% of that price which is say $200k a house. If you believe a bad suburb will never grow, then show me where you can find a house today in these cities, that is still worth around $3k.

Median Price growth is very misleading.

Many beginner property investors look at median price growth as the guidance for suburb selection. A few points worth mentioning on median price are:

We understand the way median price is calculated as the middle price point based on the number of sales during a period. We can talk about the median price for a particular suburb on a particular day, week, month, year, or even longer. So an influx of new stocks or low sales volume can severely distort the median price.

In an older suburb, median price growth tends to be higher than it really is. This is because it does not reflect the large sum of money people put into renovating their properties nor does it reflect the subdivision of large blocks of land into multiple dwellings which can be a substantial percentage of the entire suburb.

In a newer suburb, median price growth tend to be lower than it really is. This is because it does not reflect the fact that the land and buildings are both getting smaller. For example, you could buy a block of land of 650 square metres for $120k in 2006 in a newer suburb of Melbourne, but 5 years later, half the size block (i.e.325 square metres) will cost you $260k. That’s a whopping 34% annual growth rate per year for 5 years, but median price growth will never reflect that, as median prices today are calculated on much smaller properties.

Median price growth takes away people’s focus from looking at the cost of carrying the property. When you have a net 2-3% rental yield against interest rates of 7-8%, you are out-of-pocket by 5% a year. This is not including the money you have to put in to fix and maintain your property from time to time.

Buying and holding the same property forever doesn’t give you the best returns on your money.

The longer you hold a property, the more likely you will achieve an average growth of 7-9%. But you will be bound to hit periods where your property outperforms the 7-9% growth and periods where it under performs the 7-9% growth.

The longer you hold a property, if its growth is at or above average, the lower its rental yields will become.

The longer you hold a property, the higher the capital gains tax you will need to pay when you sell, and the less likely you will be able to sell it.

The longer you hold a property, the more likely there will be a need for an expensive upgrade of the property.

The longer you hold a property, the more likely you will forget which part of the equity actually belongs to the tax man, AND the more likely you will be to try to leverage the equity that doesn’t belong to you. This can get you into a negative equity position with a negative cashflow forever, unless you have proper financial guidance.

5 Simple Steps to Having a Healthy Pregnancy

If you’ve decided to have a baby, the most important thing is that you care a lot, so that both you and the baby are healthy in the future. Girls who receive proper care and take the right decisions are highly likely to have healthy babies.

Prenatal Care

If you discover you are pregnant, see a doctor as soon as possible to begin receiving prenatal care (care during pregnancy). The sooner you begin receiving medical care, the better the chances that both you and your baby are healthy in the future.

If you can not afford to visit a doctor or pay for the consultation in a clinic for prenatal care, social service organizations exist that can help. Ask your parents, school counselor or another trusted adult to help you find resources in your community.

During the first consultation, the doctor will make a lot of questions, such as date of your last period. In this way, you can calculate how long have you been pregnant and what date you expect your baby.

Doctors estimate the duration of pregnancy in weeks. The due date is estimated, but the majority of babies born between 38 and 42 weeks after the first day of last menstrual period of women, or between 36 and 38 weeks after conception (when the sperm fertilizes the egg). Only a small percentage of women giving birth at the estimated delivery date.

The pregnancy is divided into three phases, or quarters. The first quarter runs from conception to end of week 13. The second is from week 14 to 26. The third, from week 27 until the end of pregnancy.

The doctor will examine you and perform a pelvic exam. The doctor will also order blood tests, urine tests and tests to check for sexually transmitted diseases (STD by its acronym in English), including an HIV test, an increasingly common condition in adolescents. (Because some STDs can cause serious health problems in newborns, it is important to get appropriate treatment to protect the baby.)

The doctor will explain what are the physical and emotional changes that are likely to experience during pregnancy. We also learn to recognize the symptoms of possible problems (complications) during pregnancy. This is essential, because teenagers are at greater risk of crossing certain complications such as anemia or hypertension, and give birth before the expected date (premature labor).

Your doctor will want to start taking prenatal vitamins containing folic acid, calcium and iron away. Your doctor may prescribe vitamins or can recommend a brand you can buy without a prescription. These minerals and vitamins help to ensure the good health of baby and mother, and avoid certain birth defects.

Ideally, you should visit your doctor once a month during the first 28 weeks of pregnancy. Then you should visit every 2 weeks until week 36 and weekly thereafter until delivery. If you have a disease like diabetes, which requires careful monitoring during pregnancy, it is likely that your doctor wants to see you more often.

During consultations, your doctor will monitor your weight, blood pressure and urine, in addition to measuring your belly to go record the baby’s growth. When the baby’s heartbeat can be heard with a special device, the doctor will listen to every time you visit. It is likely that your doctor will also indicate other tests during pregnancy, such as an ultrasound to make sure the baby is in perfect condition.

Also part of prenatal care to attend classes where women who are expecting a baby learning how to have a healthy pregnancy and delivery, as well as what are the basic care for the newborn. It is likely that these classes are conducted in hospitals, medical centers, schools and universities in your area.

If adults can be difficult to talk to your doctor about your own body, this is even more difficult for adolescents. The role of your doctor is to help you enjoy a healthy pregnancy and have a healthy baby… and it is likely that there is nothing that a pregnant woman has not told. So do not be afraid to ask about everything you need to know.

Always be honest when your doctor will ask questions, even if they are embarrassing. Many of the issues that your doctor wants you to cover could affect the health of your baby. Think of your doctor as someone who is not only a resource but also a friend you can trust to talk about what is happening to you.

What changes can you expect in your body

Pregnancy creates many physical changes. Here are some of the most common:

Growth of breasts

The increase in breast size is one of the first signs of pregnancy and the breasts may continue to grow throughout pregnancy. It is possible to increase several sizes of support during the course of pregnancy.

Skin changes

Do not be surprised if people’s comments that your skin looks “glowing” when you’re pregnant: pregnancy produces an increased blood volume, which can make your cheeks are a little more pink than usual. In addition, hormonal changes increase the secretion of the sebaceous glands, so that your skin may look brighter. For the same reason, acne is also common during pregnancy.

Among other changes that pregnancy hormones generated in the skin are yellowish or brownish spots that appear on the face, which are called melasma, and a dark stripe running from the navel to the pubis, which known as linea nigra.

Also, moles or freckles that you had before pregnancy may increase in size or become darker. Even the areola, the area around the nipple becomes darker. Stretch marks may also occur (thin lines of pink or purple) in the abdomen, breasts or thighs.

Except for the darkening of the areola, which is usually permanent, these skin changes will disappear after delivery.

Mood swings

It is very common to experience mood swings during pregnancy. Some girls may suffer from depression during pregnancy or after childbirth. If you have symptoms of depression such as sadness, changes in sleep patterns, desires to hurt yourself or negative feelings about yourself or your life, ask your doctor for advice about starting your treatment.

Pregnancy Discomforts

Pregnancy can cause some unpleasant side effects. Among such disorders, include the following:

  • nausea and vomiting, especially during the first months of pregnancy;
  • leg swelling;
  • varicose veins in the legs and the area around the vaginal opening;
  • hemorrhoids;
  • heartburn and constipation;
  • back pain;
  • fatigue and
  • sleeping problems.

If you suffer from one or more of these side effects, remember that you are not alone. Ask your doctor for advice on how to handle these common problems.

If you are pregnant and have bleeding or pain, contact your doctor right away, even if you decided to terminate your pregnancy.

What you should avoid

If you smoke, drink alcohol or use drugs during pregnancy, both you and your baby are at risk for serious problems.

Alcohol

At present, doctors believe it is not advisable to drink a drop of alcohol during pregnancy. If you drink alcoholic beverages can damage the developing fetus and the baby is at risk for birth defects and mental problems.

Smoke

Smoking during pregnancy carries some of the following risks: the birth of a dead fetus (when a baby dies inside the womb), low birth weight (which increases the possibility that the baby has health problems), infants infants (babies born before 37 weeks) syndrome and sudden infant death (SIDS for its acronym in English). SIDS is the sudden death for no apparent reason, a baby under one year.

Drugs

Illegal drugs such as cocaine or marijuana during pregnancy may cause abortions, premature births and other health problems. In addition, babies can be born with an addiction to certain drugs.

If you have trouble quitting smoking, drinking alcohol or using drugs, ask your doctor to help you. Consult your doctor before taking any medication during pregnancy. This includes medicines sold over the counter, prepared herbal supplements and vitamins.

Unsafe Sex

Talk to your doctor about sex during pregnancy. If your doctor allows you to have sex during pregnancy, you should use a condom to avoid contracting a sexually transmitted disease (STD in English). Because some STDs can cause blindness, pneumonia or meningitis in the newborn, it is important for you to protect yourself and protect the baby.

How to take care during pregnancy

Feeding

Many young people are concerned by the appearance of your body and fear of weight gain during pregnancy. But this is not the time to cut calories or go on a diet because you are feeding two people. Both you and your baby need certain nutrients for the baby to grow properly. If you eat a variety of healthy foods, drink enough water and you reduce the junk food, high fat, help to both you and the baby are healthy and growing.

Doctors generally recommend adding about 300 calories a day to the diet, so as to provide the baby with adequate nutrition growth. According to the weight you had before becoming pregnant, you should gain between 11 and 15 kilos (25 to 35 pounds) during pregnancy, mostly during the last 6 months. Your doctor will advise you about this depending on your particular situation.

Eat more fiber from -25 to 30 grams daily, and drinking enough water can help prevent common problems such as constipation. Fruits and vegetables and whole grain breads, cereals or whole wheat muffins are good sources of fiber.

It is necessary that you avoid some foods and beverages during pregnancy, such as:

  • some types of fish such as swordfish, canned tuna and other fish that may have a high content of mercury (your doctor can help you decide which fish to eat);
  • foods containing raw eggs, such as mousse or salad type “Caesar”;
  • raw meat, fish or just cooked;
  • processed meats such as sausages or cold cuts;
  • Unpasteurized soft cheeses such as feta, brie, blue or goat, and
  • milk, unpasteurized juice or cider.

It is also desirable to limit the consumption of artificial sweeteners and caffeine and artificial sweeteners.

Exercise

Exercising during pregnancy is good for your health when you have no complications with the pregnancy and choose appropriate activities. Doctors generally recommend low-impact activities such as walking, swimming and yoga. In general, you should avoid contact sports and high impact aerobic activities that pose a higher risk of injury. It is also not recommended to do a job that involves heavy lifting for women during pregnancy. Talk to your doctor if you have questions about what kind of exercises are safe for you and your baby.

Sleep

It is important to get plenty of rest during pregnancy. During the first months of pregnancy, trying to acquire the habit of sleeping on your side. As pregnancy progresses, lying on your side, knees bent, will be the most comfortable position. It will facilitate the functioning of the heart, since the baby’s weight will not exert any pressure on the vein that carries blood from the feet and legs back to the heart.

Some doctors specifically recommend that pregnant girls should sleep on his left side. Because some of the major blood vessels are in the right side of the abdomen, lying on the left side helps keep the uterus puts pressure on them. Ask your doctor what your recommendation. In most cases, the trick is to lie on either side, to reduce pressure on the back.

Throughout the pregnancy, but particularly in the later stages, it is likely that you wake up frequently at night to go to the bathroom. While it is important to drink plenty of water during pregnancy, try to drink more during the day instead of night. Go to the bathroom before bed. As the pregnancy progresses, you might be hard to find a comfortable position in bed. You can try placing pillows around and under the stomach, back or legs to feel more comfortable.

Stress can also affect sleep. Perhaps you’re concerned about the health of the baby, birth, or how it will play this new role of mother. All these feelings are normal, but can produce insomnia. Talk to your doctor if you have trouble sleeping during pregnancy.

Emotional Health

It is common for pregnant adolescents experience a variety of emotions such as fear, anger, guilt, confusion and sadness. Maybe you take some time to adjust to the fact that you are having a baby. It means a huge change and it is natural for pregnant teens wonder if they are ready for the responsibilities involved in becoming mothers.

The feelings of a young often depend on how much support received by the baby’s father, his family (and family of the baby’s father) and his friends. The situation of each youth is different. Depending on your situation, you may need to seek more support for people who are not part of your family. It is important to talk with people who can support you, guide you and help you share and sort out your feelings. Your school counselor or nurse can guide you to find the resources offered to help your community.

In some cases, teenage pregnancies and spontaneous abortions have lost the baby. This can be very sad and difficult to overcome for some, but to others it causes a feeling of relief. It is important to talk about these feelings and receive support from friends and family, if this is not possible, go to counselors or teachers.

The school and the future

Some girls plan to raise her baby by themselves. Sometimes grandparents or other family members help them. Some young people choose to deliver her baby for adoption. These difficult decisions involve a great deal of courage and concern for the baby.

Young women who have completed high school will have greater chances of getting a good job and enjoy a more successful life. As far as possible, you should finish high school now instead of trying to go back to school later. Ask your school counselor or a trusted adult that you provide information about what programs and classes offered in the community for pregnant teens.

Some communities have support groups especially devoted to teen parents. In some schools, no childcare. Perhaps a member of your family or a friend can take the baby while you’re at school.

You can learn more about what happens when you mother if you read books, attend classes or consultations reliable websites on parenting. Your pediatrician, your parents, your family members and other adults can guide you when you’re pregnant and when you become a mother.

Why Online IT Training Is Possible

If you understand the value of a good online courses for IT, you’ll realize there should be some good reasons why it is so very cheap. In fact, there are several.

The Information Technology by its very nature, are a perfect type of courses to take online. Training courses affordable online IT and they are accessible to help you use the technical means that you must learn about topics related to computer science.

Training schools affordable IT online save money in their administration to transmit to students. They can avoid responsibility for expenses associated with transportation to school., they can not charge the fee because these services are provided through technology rather than through a group of paid employees.

Because that schools affordable IT training online usually required to update the software, they have the ability to manage online tests from their own server. No supervisor is needed to control students when they take the tests, in addition, students should not go to the location of the school to take a test. For example, you may test your accounting courses by correspondence from your home, without worry about transport, traffic jams and arrive on time.

Training courses affordable online IT tend to stay away from being useless. There will not be too many courses of basic education in most IT degrees. You learn what to do for work. You can always take classes after school in your free time.

Very little hard materials and learning are required for most courses affordable online IT. Rather than sending several textbooks, a school of IT will focus on the information obtained via the Internet and other media related to technology. If you choose to take a correspondence course, you will not need to buy a large quantity of books, since everything will be sent either by mail or by Internet.

Instructors of online courses should be trained in using technology to teach. While other correspondence schools use instructors who are reluctant with technology instructors Information Technology are a poison in the water in this area. Affordable IT training online is possible because it is easier to find instructors who are better trained to teach courses using the tools of technology. If you opt for distance learning should be better than choosing an instructor expert in online teaching.

Training schools affordable IT Online is not only a possibility, they are a reality. If you want to work in the comfort of your own home, you can save costs and Additional mentions tuition. The nature of the industry makes training affordable IT well suited to offer affordable options. Do not be surprised, then, when you see examples of schools affordable IT training online.

By IRFAN MAN SURI