Luxuryhomesworldwide's Blog

Are you avoiding the detours on the road to success ?

Are you looking for Real Estate in Florida ?

Alinari at Rosemary Place :: Sarasota, FL,USA
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An eclectic enclave in the center of the arts, on the edge of the bay, in an unbeatable location, Sarasota is fast becoming one of the most desirable destinations on Florida’s Gulf Coast. The appeal of this vibrant city and its intimate neighborhoods is hard to resist. In this artistic setting, nature provides the ultimate brushstroke, giving Alinari residents a private showing of brilliant emerald hues in the sparkling waters of Sarasota Bay and, from the top floors, the Gulf of Mexico.
Aqua :: Naples, FL,USA
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With prices starting in the $2 Millions; Aqua, Naples’ most elegant new address, offers a unique and private waterfront lifestyle for refined sensibilities, with amenities that include concierge services, a private yacht harbor with direct access and membership to Naples’ most exclusive yacht club.
Bell Tower Park :: Fort Myers, FL,USA

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Bell Tower Park is an Award winning private gated community located in the heart of south Fort Myers. Minutes from fine dining, shopping and other retail shops. A park like setting of stylish carriage and courtyard homes, surrounding lakes and nature preserves. Residents enjoy an array of amenities including a 2 resort pools, tiki bar, 6,000 sf clubhouse, fitness center, social area, tennis courts and sport court, play area and miles of shaded nature trails. Attention to detail, included features, and architecal attention to details make this an outstanding community.
Bleu Claire :: Longboat Key, FL,USA
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Nestled along the pristine coastline of Longboat Key is a new level of exclusivity to define beachfront living, the taste of luxury, the reward for a lifetime of accomplishment: Your inspiration. Your dream. Your Bleu Claire. Designed to evoke the feeling of a retreat from the everyday, Bleu Claire on Longboat Key is inspired by the villas of the French Riviera. The community’s understated elegance reflects the beauty of its natural surroundings and the enchanting views of the Gulf of Mexico.
Bonita Bay Highrises :: Naples, FL,USA
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Three waterfront parks; 12 miles of biking and walking paths; 90 holes of golf; private beach park on the Gulf of Mexico; tennis and swim center; fitness center; marina club with storage for more than 400 boats, fuel and service, a ship’s store and restaurant; wine club; Audubon International Cooperative Sanctuary for demonstrated excellence in environmental planning, wildlife-habitat management, resource conservation, waste management, and outreach and education. Four additional high-rises are in development.
Citrus Square :: Sarasota, FL,USA
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A new concept on in-town living is coming to a neighborhood set apart by a new pedestrian-friendly, tree-lined streetscape with quaint open square and distinctive lampposts. Great city location on Orange Avenue just three blocks to Main Street. Walk to your favorite downtown Sarasota restaurants, shopping, and cultural arts.
Florida Lifestyle Homes :: Fort Myers, FL,USA
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Florida Lifestyle Homes can provide one-stop shopping for your custom home in the most prestigious areas of Southwest Florida. We have used our financial strength and experience to inventory a substantial portfolio of spectacular home sites in Lee County’s luxury home communities of Cape Harbour, Renaissance, Verandah, as well as, Collier County in Quail West, a Ginn Club community. If you are already an owner of a home site or if you have a home site in mind that is not in our inventory, we would be happy to build your dream home where ever you choose. We are proud to have been selected as a preferred builder in the most exclusive waterfront and golfing communities in Southwest Florida.

For more information: Visit http://www.robertjrussell.com

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Obama Gives Home Buyers Credit

RISMEDIA, -President Barack Obama has approved the first-time homebuyer tax credit extension which will extend the tax credit until April 30, 2010.

The extension is part of a $24 billion economic stimulus bill that will extend the $8,000 tax credit for homebuyers who are purchasing their first home from the current November 30 deadline and expands the program to offer a credit of $6,500 to homeowners who have lived in their current home for at least five years and are seeking to relocate.

The following details apply to the homebuyer tax credit expansion:

Who is Eligible
-First-time homebuyers, who are defined by the law as buyers who have not owned a principal residence during the three-year period prior to the purchase, may be eligible for up to an $8,000 tax credit.
-Existing homeowners who have been residing in their principal residence for five consecutive years out of the last eight and are purchasing a home to be their principal residence (“repeat buyer”), may be eligible for up to a $6,500 tax credit.
-All U.S. citizens who file taxes are eligible to participate in the program.

Income Limits
Homebuyers who file as single or head-of-household taxpayers can claim the full credit ($8,000 for first-time buyers and $6,500 for repeat buyers) if their modified adjusted gross income (MAGI) is less than $125,000.
-For married couples filing a joint return, the combined income limit is $225,000.
-Single or head-of-household taxpayers who earn between $125,000 and $145,000, and married couples who earn between $225,000 and $245,000 are eligible to receive a partial credit.
-The credit is not available for single taxpayers whose MAGI is greater than $145,000 and married couples with a MAGI that exceeds $245,000.

Effective Dates
-The eligibility period for the tax credit is for homes purchased after Nov. 6, 2009, and before May 1, 2010. However, home purchases subject to a binding sales contract signed by April 30, 2010, will qualify for the tax credit provided closing occurs prior to July 1, 2010.

Types of Homes that Qualify
-All homes with a purchase price of less than $800,000 qualify, including newly-constructed or resale, and single-family detached, townhomes or condominiums, provided that the home will be used as their principal residence. Vacation home and rental property purchases do NOT qualify.

Tax Credit is Refundable
-A refundable credit means that if the amount of income taxes you owe is less than the credit amount you qualify for, the government will send you a check for the difference.

-For example:
-A first-time buyer who qualifies for the full $8,000 credit who owes $5,000 in federal income taxes would pay nothing to the IRS and receive a $3,000 payment from the government. If you are due to receive a $1,000 refund, you would receive $9,000 ($1,000 plus the $8,000 first-time homebuyer tax credit).
-A repeat buyer who owes $5,000 would pay nothing to the IRS and receive $1,500 back from the government. If you are due to get a $1,000 refund, you would get $7,500 ($1,000 plus the $6,500 repeat buyer tax credit).
-All qualified homebuyers can take the tax credit on their 2009 or 2010 income tax return.

Payback Provisions
The tax credit is a true credit. It does not have to be repaid unless the home owner sells or stops using the home as their principal residence within three years after the purchase.

The www.federalhousingtaxcredit.com site is being updated. Check the site next week for more detailed information on the new tax credit.

To find out more about buying or selling a house – visit: http://www.robertjrussell.com

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Words of Wisdom

10 Words of Wisdom from Robert J. Russell Real Estate LLC.

1. I will trust I can do what my talents let me do.
becomes:
“My talents can extend to my customer connections on the internet – I will use my website to connect with clients and serve their needs.”

2. I will not react negatively to unexpected change.
becomes:
“My Website is not focused on Good News – it is focused on the Solutions Sellers and Buyers are seeking.”

3. I will take positive action everyday.
becomes:
“My daily interactions with my clients will trigger ideas and solutions I can post on my website for the benefit of all.”

4. I will make positive growth a daily part of my life.
becomes:
“My local knowledge of communities, events, activities, and changes are the scaffolding of decision making for my clients – I will share them on my website.”

5. I will not allow other to define who I am or what I can do.
becomes:
“I will not be distracted by the noise and distractions online and will focus on immediate solutions for my clients.”

6. I will not procrastinate in doing what I know I should do.
becomes:
“I will
blog once a week focused on my market happenings, statistics, and important changes to the local Real Estate Market.”

7. I will not give up because things get tough.
becomes:
“I will trust that my efforts online will payoff and use them to get more listings and offer excellent marketing.”

8. I will not sit and wait for things to happen.
becomes:
“I will inform myself using local news, local city and county codes, local real Estate changes, and thoughtful
Internet Farming.”

9. I will invest my time – not waste it or abuse it.
becomes:
“I will recognize that lots of internet activities are consuming of my time and not beneficial; I will remain focused on my agenda.”

10. I will strengthen my clarity not feed my confusion.
becomes:
“Learning is a journey I undertake willingly – I will chose the appropriate mentors and partners in order to grow my business.”

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Are you going for the GOLD in the Luxury Market

How many times have you had a Buyer tell you that they just bought a second home in a different state or country ? Did you know that you can sell to these markets ? Are you passing this market up ?

While most luxury real estate marketing professionals are still reeling from the downturn in the market and working harder than ever just to keep up, some are seeing the enormous opportunity that the new era of the internet has to offer and they are starting to reach for the gold ring. Yes, there is a gold rush out there. But, what may not be obvious is what the new gold looks like and how to find it.

The new gold is all about identifying an uncontested niche in your marketplace where you can add extraordinary value; then staking your claim to ownership of that new market space. It is about cashing in on who you are, what you are most passionate about and leveraging the new media tools to reach and connect with your ideal clients in a focused manner.

What Is the Catch?

You need to know who you are, what you stand for, what you are passionate about what you can do better than anyone else in your marketplace. You need to discover you unique voice. Only then will the new media tools make any sense to you in terms of their potential to tap the gold reserve that awaits you. The tools are meaningless otherwise. Only when you become “follow-worthy” will you attract and retain your audience, and also convert that audience into cash flow.

You Must Discover Your Golden Voice

The blog is a great example of a new media tool that is useless without knowing your unique voice. Luxury real estate agents have been hearing, for a couple years, that they need to blog. They have been promised that Google will magically send traffic to their sites if they just spew “content”. Never mind that the content that they are writing about or the stories they are reporting are of any interest to a target market. Forget the idea of original content. After mindlessly regurgitating other people’s information, most agents abandon their blogs within 60 days concluding that it was a waste of time and was of little value in terms of generating immediate leads, let alone transactions.

What an awesome tool the blog is for those who have discovered their unique “golden” voice, a voice that is “follow-worthy”! Blogs offer anyone the opportunity to become a syndicated columnist because followers can subscribe to their “column”, keep up on the latest installments and also engage in discussion with the author and other followers. Plus, it is virtually free! So, is the help you can get from your silent marketing partner, Google. Google wants to help create a perfect match between you and your potential audience, your ideal potential clients because they sell more ads when users experience better search results.

Right now, there is an abundance of unexploited marketing niches right under your nose, where you can become the undisputed market leader. But, you will not perceive these untapped “gold mines” if you do not know your own mind. You first need to discover your own golden voice.

For more information on Luxury & International Properties visit: http://www.robertjrussell.com

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Should you charge a membership fee to search for Luxury Homes ?

Everywhere you turn these days, you read about membership sites. You read how easy they are to set up, and how lucrative they can be. That should naturally lead you to the question, “Should I be operating my own membership site?” Are they really that easy to set up and maintain?

First of all, a membership site is nothing more than a system for password protecting some “content,” and a system for handling recurring billing of members. So they can be very simple, and in fact can be set up using all free resources.

You could even think of a membership site as another type of list, only one where you don’t have to contend with email filters. You communicate with your “list members” inside the site instead of via email.

In deciding to set up a membership site, the first question that you should answer is what niche or topic would the membership site be focused on. Are there enough people interested in that topic to make it profitable? Do people interested in that topic spend money on it?

The simplest way to answer the above questions is to ask yourself, “What phrases would people interested in my proposed topic type into a search engine?” Come up with a list of keywords they’d likely use.

Next, go to Google.com and enter those keyword phrases into their search box, and look at how many searches there are for those terms as well as how many webpages there are out there targeting those phrases. Look off to the right side of the page and see if there are “Google AdWords” ads displayed. If you see ads off to the right side of the page, that means that people are paying to advertise to people interested in that topic. That’s generally a strong indicator that people searching on those terms are also buying!

Your research shows you how many searches are done on your keywords each month, and indicates if there is a large pool of potential members for your new membership site. There is no hard and fast rule for how many searches there should be. This just gives you a feel for if this is a viable niche for a membership site.

How many members do you need for a successful membership site anyway? If you have a site that has 200 members each paying $20 per month, would you consider that a success? What if that site only took 2 hours per month to maintain?

The secret to making a site easy to maintain, by the way, is to have your members interact a lot with each other, and generate most of the content!

There are many successful online entrepreneurs who have a dozen or more small, simple, memberships sites, each with only a few hundred members. Most of these sites don’t generate a fortune, but collectively they afford a very comfortable lifestyle.

There is no reason that you have to stop at one simple, easy to maintain, membership site. You could easily launch one a month, and in a year have a dozen. If each produced just that $4000 in our example above, that would be $48k per month.

If your goals aren’t that lofty, you could stop with just one simple membership site producing just that $4000, or you could go for a lot more members. If you set your site up properly, you’ll have to spend very little time actually maintaining it.

So, are you missing out by not having a membership site?

Probably.

http://www.robertjrussell.com

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Computer Prohibition ?

Imagine a day coming to the office and discovering that the Internet lines are down. Is it still possible for companies to operate in these circumstances? Definitely a bad day for the average company big or small, but these circumstances would be very different for the Internet marketer. Let us see why.

Not withstanding the fact that many big companies such as hospitals, airports managements do have their private “generators” to deal with such situations, the computer in the office world can be summed up in three grand chapters namely communications, information and data processing. For the Internet marketer, if these basics are obviously similar they do not tie him down to his computer due to him having created an automatic follow-up for the majority of them.

It would be interesting to test a day in the office with no Internet access. Are people still capable of hand-writing a message to their colleagues, using a flowchart or even conceiving one? How many offices out there have foreseen an emergency plan and are set-up for such a day, heaven forbid and is it conceivable? My point is that we are very much addicted to our computers granted that they do increase the speed of daily chores, they have albeit indeed stolen human contacts and personal touches and have made every monthly bill from these conglomerates all but humane.

Conversely, the Internet marketer – and we all need to be one* – should enjoy a day or two of computer prohibition sprinkled into our weekly lives. We would use that time very productively by visiting our friends, taking a walk and thereby doing some public relations (in a small manner) as well as taking a little distance from our business to conceive some possible improvements to its approach and future; business that in any case runs without our constant presence, because that is how it must be setup. One website, an auto-responder are the basics, and upon these two essentials an empire can be build with all compatible ramifications that in time get included. The “job” of the marketer will then profit from when the office is closed due to the dreaded local Internet failure.

To find out about internet online marketing visit http://www.robertjrussell.com

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How About a Medium Storage Unit

Do you need a Storage Unit ? Try a Medium storage unit

Medium sized storage units can be very helpful for storing extra furniture and boxes that just won’t quite fit in your closets or garage at home. These units are average in size so space will be at a little bit of a premium. These units are mid-priced storage units that you can rent so if you can manage to get all of the things you need to store in one of these units, as opposed to a larger size unit, you can really save some money. Here are a couple examples of typical medium sized self storage units and what can usually be fit in them.

5×15 – 75 square feet – about the size of an extra long walk in closet or a large bathroom.

What typically fits in a 5×15 self storage unit?

Chair, Couch, Dresser, Mattress Set, Boxes, Clothing or a Motorcycle; Business Merchandise. Contents of a small pick-up or cargo van.

10×10 – 100 square feet – about the size of a small size bedroom.

What typically fits in a 10×10 self storage unit?

Furnishings from a one bedroom apt; Appliances, Furniture, Boxes, Bed Sets, Clothing, Lawn Equipment; Business Merchandise. Contents of a 15 foot moving truck.

10×15 – 150 square feet – about the size of a large bedroom or small one car garage.

What typically fits in a 10×15 self storage unit?

Furnishings from a two or three bedroom apt / home; Appliances, Furniture, Boxes, Clothing, Motorcycle; Business Merchandise. Contents of a 20 ft moving truck.

If you are efficient in your planning and packing of a medium sized self storage unit, they can hold quite a lot of furniture and small items you may need to store. If you have many large, bulky items these units will fill up very quickly. But, if you have all small to medium sized items and boxes and you stack vertically you can really get a lot of your stuff in these medium sized self storage units.

http://www.robertjrussell.com

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$8000 Home Buyer Credit can buy Luxury Homes Blog

Another quick blog post for Luxury Homes Worldwide Blog:
Quick passage by the House last week of a bill extending the $8,000 home buyer tax credit next year for military, diplomatic and intelligence personnel serving overseas increases the odds that Congress will agree to an extension, maybe even an expansion, of the entire credit program well into 2010.

The White House is also signaling that it sees the overall tax credit program — currently set to expire November 30 — as an important element in cutting the unemployment rolls and stimulating new jobs next year.

After an economic policy strategy meeting last week in the Oval Office involving President Obama, House Speaker Nancy Pelosi and Senate Majority Leader Harry Reid, congressional aides said Democrats generally support an extension of the housing credit.

Reid already has made clear he wants an extension. He is co-sponsoring a Senate bill that would do so for six months.

Congressman Charles Rangel, chairman of the tax-writing House Ways and Means Committee, sponsored the one-year extension of the credit for military and other personnel serving overseas, and is reported by aides as favoring an extension for the entire program.

The White House has not publicly committed to an extension, but has confirmed that the President is seriously examining that option.

An unexpected development that emerged following last week’s White House meeting was the possibility of opening up the credit to a broader group of buyers next year – people who sell their current homes and buy a replacement home.

Though details were scanty, Capitol Hill sources said one option on the table would be to provide a tax credit — most likely at the $8,000 level — to replacement home buyers whose incomes do not exceed some limit.

The current credit phases out for single taxpayers with incomes above $75,000, and married purchasers earning $150,000.

A politically sensitive issue hovering over the entire debate on extending the housing tax credit is its cost – what it would add to the federal budgetary deficit. Mark Zandi, chief economist of Moody’s Economy.com, estimates that widening the credit to all buyers through next August could cost the government upwards of $30 billion.

Rangel’s 12-month extension of the credit for service personnel is estimated to cost more than $300 million, but it’s mainly being paid for through an increase in penalties levied by the IRS on taxpayers who fail to file corporate or partnership returns.

The New York Times reported that one possible solution to the cost problem would be to divert money not yet spent out of 2009’s $800 billion stimulus legislation.

http://www.robertjrussell.com

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Make a Million Dollars by saving money per month

According to the U.S. Bureau of Economic Analysis, the personal savings rate of Americans has ranged between -1% and approximately 4% between the years 2005 and 2009. Americans’ nonchalance was reflected in the negative savings rate of fiscal 2005, which occurred as people reduced their savings and delved further into debt in order to purchase goods and services. Although the savings rate had rebounded to 6% by May of 2009, as global financial crisis forced many consumers to adopt more cautious spending habits. Despite the about-face in consumer spending habits, in many cases, the attempt at saving proved too little, too late. Read on to find out why you need to save no matter what the economic climate.

Why You Need to Save

More from robertjrussell.com:

• Texas Foreclosures

• Insurance Online

• Search the MLS!

While individuals should avoid excess (and high interest) leverage/debt and prudently manage cash flow, there is also a longer-term need to ensure one has adequate funding set aside for a comfortable retirement. Given historical trends in the U.S. stock market and overall economic performance, people can be lulled into becoming overly optimistic about how much they need to save and their projected life expectancy. The only trends that are relevant for the individual, however, are those that occur over the course of one’s lifetime.

Many companies are transitioning jobs (such as back office functions, IT, research and even higher margin services such as consulting and financial services) to other regions of the world, including Eastern Europe, India and China. The economic dynamics and implications of such movement are not comparable to the business settings of the past 50 years. Additionally, medical breakthroughs and other health-related variables have increased people’s life expectancy. Certainly, it is better to have a conservative outlook in order to help ensure one has adequate retirement funds.

Financial Scenarios

Saving money and diverting cash away from unnecessary frills and wasteful spending into investment payments such as the stock market translate to huge differences in the size of one’s retirement savings over the course of a lifetime. When you purchase a bicycle or go out for a lavish dinner, you are not simply incurring a cost of that bike or dinner (say $100). The amount of the receipt is actually misleading. When you incorporate the basic laws of finance, the opportunity cost of that $100 is much more.

If you eliminate $100 of wasteful spending per month and instead channel that cash to an investment vehicle that yields an annual interest rate of 10%, that translates to more than $75,000 over 20 years, and more than $500,000 over the course of 40 years. Granted, the buying power of figure is chewed up by inflation, but the prudent person still reaps the benefits of not wasting cash on unnecessary things.

Starting principal balance: $0
Monthly investment payments: $100
Interest rate: 10%
Future value: 20 years = $75,936
Future value: 40 years = $632,408

Starting principal balance: $0
Monthly investment payments: $250
Interest rate: 10%
Future value: 20 years = $189,842
Future value: 40 years = $1,581,019

If someone were motivated enough to find $500 a month and put it away in the form of investment payments, the results lead to an exponential increase in comfort during one’s retirement. With an annual rate of return of 10% over 40 years, the figure approaches $3 million for your nest egg.

Starting principal balance: $0
Monthly investment payments: $500
Interest rate: 10%
Future value: 20 years = $379,684
Future value: 40 years = $3,162,039

How much more would your nest egg be if you work for a company that matches your 401(k) dollar for dollar up to a certain amount? Given that the federal government’s social safety net programs such as Social Security and Medicare are expected to hit fiscal challenges as the baby boomers retire, such anticipated uncertainties encourage individuals to take their retirement circumstances into their own hands. Secondly, the high cost of healthcare in the United States is a primary driver for individuals and couples filing for personal bankruptcy. The power of compound interest can help one to avoid financial straits in the future.

From Wasteful Expenses to Monthly Investment

To redirect cash that might otherwise be spent on junk or unnecessary spending, explore savings opportunities that can increase your monthly contributions to your retirement accounts. These might include:

  1. Fewer restaurant lunches and dinners can easily save the typical professional between $100 and $200 per month. Using our numbers above, $100 invested monthly in retirement accounts that earn 10% annually becomes $75,000 in 20 years.
  2. Purchase discipline at groceries and malls. At the end of your life, it is not the accumulation of objects that provides meaning. A lifetime habit of impulse buying has a tremendous opportunity cost when you realize the power of compound interest. Most people can save between a hundred dollars to several hundred dollars a month with greater spending discipline.

The Bottom Line

If you work for a company that matches your retirement savings contributions, absolutely take advantage of it. It is basically free money. Additionally, the increase in monthly contributions translates into an exponentially larger nest egg over the course of a lifetime.

by Marv Dumon
Monday, October 5, 2009

Visit http://www.robertjrussell.com For Real Estate & Insurance needs
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Home Value by Square Foot

One of the biggest determining factors in determining comparable value is square footage.

When comparing the square footage of homes always try to keep comps as similar in square footage as possible. Figuring out the price of a home on a square footage basis is an excellent way to compare apples with apples. It becomes more complicated when one home has been renovated and another needs work. Don’t compare a newly built home’s price per square foot with an older home’s price per square foot.

There’s Square Footage and There’s Square Footage

A square foot is defined as a two-dimensional square measuring one foot on each side. If you are looking at a home that seems a little smaller than the stated square footage, it might not be your eyes. Real estate brokers tend to measure square footage by inside room dimensions. Developers like to measure the exterior of the building. This can add considerable square footage to the home.

You also need to find out exactly what has been factored into the equation. Does the total measurement include basement space? Garage space? Deck space? Space on staircases? There’s no standard way to measure square footage. Sellers will include every nook and cranny and buyers won’t.

Do not solely compare the size of the land the property sits on and the price of the property. Lots sell for different prices than homes and the cost varies greatly from neighborhood to neighborhood. For example, if the house is in terrible shape, or is considered a “tear-down,” a developer may only want to pay for the price of the lot, since tearing down and hauling away the existing structure is an added expense.

Side-by-Side Comparison

In some areas of the country, agents do not want to be liable for representing a total square footage of the property. Total square footage is not indicated on the listing sheet, but room dimensions are shown. The room count may not include bathrooms, hallways, closets, and other spaces. You might have to compare every room side by side and guesstimate total size.

In this instance, estimate the total square footage by multiplying the dimensions of each room. For example, if the bedroom is 10 feet by 12 feet, then the area, or square footage, is 120 square feet. Add up all of the room dimensions for a total square foot measurement. You may still have to estimate hallways and other spaces, but it gives you a good estimate.

After determining the size of the home you desire, the equation is simple. Just divide the listing price by the number of square feet and you will get the price per square foot. For example, a 1,000-square-foot condo priced at $300,000 costs $300 per square foot.

http://www.robertjrussell.com

It’s always to your advantage to buy a home with a reasonable cost per square foot. A home with a square footage cost lower than other homes in the neighborhood might be a great deal. On the other hand, the home may have a lot of other things wrong with it that need renovation, and unless you had remodeling in the budget, it might not be worth it to you.

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Total Number of Home Listings Down in August

RISMEDIA, September 24, 2009-The number of homes for sale declined nearly 3% in August 2009, compared to July, and is down more than 23% compared to a year ago, (more…)


What are short sales doing to the market

RISMEDIA, September 26, 2009-(MCT)-A few years ago, few people in the housing market had ever heard of a short sale. Mention the term today and people, whether they are homeowners or real estate agents, just roll their eyes.The practice, which involves selling a property for less than the amount owed on the mortgage, has grown in popularity as an exit strategy for financially strapped homeowners because it doesn’t ding a credit report as deeply as a foreclosure. But because the transactions have to be approved by first and second lien holders, (more…)


TERROR Alert Hits Well Known Cities

An extended period of relatively little news about domestic terrorist threats was shattered this week. A spate of arrests and reports of fearsome plots have Americans back on edge and struggling to make sense of the suspects and continuous headlines. Below, the recent developments:

– Last week authorities raided several New York City properties in connection with the arrest of Najibullah Zazi, a legal immigrant from Afghanistan living in Denver who authorities said Friday is believed to have been plotting an attack on the New York City subway system on Sept. 11 similar to the 2004 attacks in Madrid. The AP reported that Zazi criss-crossed the globe hunting for materials to make hydrogen peroxide bombs for al-Qaida, enlisting associates equipped with stolen credit cards to help him purchase massive quantities of hydrogen peroxide, acetone (the main component in nail polish remover) and a component to make the compound called TATP, the main explosive used in the London terror bombings of 2005. Zazi, who operated a coffee cart in New York and drove an airport shuttle in Denver, continues to maintain that he is not a terrorist. He has been transferred to NYC to face charges.

– On Thursday a Jordanian named Hosam Maher Husein Smadi, 19, was arrested in Dallas after he parked a car he believed to be loaded with explosives, but were in actuality fakes supplied to him by an undercover FBI operative, in front of a downtown Dallas skyscraper. Undercover Arabic-speaking agents first made contact with Smadi, who’s been living illegally in a small Texas town north or Dallas, after they discovered him championing jihad against the U.S. on an extremist, anti-American website. The relationship between the undercover agents and Smadi culminated with the FBI supplying him with a 2001 Ford Explorer Sport Trac laden with what Smadi believed was an explosive device similar to the one used by Timothy McVeigh in the Oklahoma City bombing that could be detonated by cellphone. He was arrested immediately after trying to detonate the impotent explosives.

– Michael Finton, who also goes by the name of Talib Islam, was arrested in Illinois on Wednesday for allegedly plotting to blow up a federal building, an act which led him to being charged with attempted murder of federal employees and attempting to detonate a weapon of mass destruction. Finton, who authorities say idolized American citizen turned Taliban soldier John Walker Lindh, visited Saudi Arabia in 2008 and returned wanting to take action against Israel. He mentioned his intentions to an undercover law enforcement source, who in turn introduced Finton to an undercover FBI agent, who then arranged to supply Finton with an explosives-laden vehicle, just as the FBI did in the Smadi case. On Wednesday, Finton parked the vehicle in front of a federal building in Springfield, Illinois and was arrested after he attempted to detonate the fake bomb with a cellphone.

– Daniel Patrick Boyd and Hysen Sherifi, two men arrested last month in North Carolina and charged with plotting terrorist acts overseas, were indicted yesterday for conspiring to murder U.S. military personnel by bombing the Marine base in Quantico, Virginia. The official indictment against the two provided little information outside of accusing Boyd and Sherifi of obtaining maps of the base and spending considerable time monitoring its activity. Prosecutors say that Boyd, a U.S. citizen, spent time in terror camps located in Pakistan and Afghanistan and fought on the side of Afghanistan against the Soviets in the early 1990s. Sherifi, a native of Kosovo, is a legal U.S. citizen.

– Two men seen recently taking an extensive number of photographs of the Philadelphia subway system have raised concerns for authorities. Thus far, neither man has been positively identified, though police are hoping to track them down to question them on “the nature or the reason for taking the photographs.”

Case officials say the individual incidents do not appear to be linked. As for advice to a worried public, for now it’s a return to familiar advice: Remain vigilant, says the Department of Homeland Security, and report any suspicious activity to the FBI via their internet tips line ( https://tips.fbi.gov/ ) or by calling 1-800-CALLFBI.

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For Information about Life Insurance visit http://www.InsurancePricedRight.com

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5 Projects, Plus Proven Strategies from a Professional Organizer

It happens to the best of us. We’re so busy with our summer events and daily to-do lists that things get a little out of place and out of hand. Before you know it, summer’s over-and the unresolved clutter from one season starts spilling over into the next.

Preventing this problem is easier said than done. Being organized takes time and energy. And if you haven’t done it in a while, it can leave you wondering where you should start and how to get through it.

That’s where the advice from a professional comes in. So to help you tackle even the toughest organizational challenges, we interviewed Allison Carter, Chief Executive Organizer and owner of The Professional Organizer, a company that trains and licenses organizers and is dedicated to helping people get organized.

What Should You Do Right Now-Before Summer Ends?

Allison Carter explained that this time of year is crucial to maintaining an organized, clutter-free home heading into the next season. “Before winter, there are some areas of the home, inside and out, that generally need to be cleaned up and cleaned out,” Carter stated.

So before you get overwhelmed with other projects or areas of the house you may have been putting off, start with these 5 simple areas before summer ends:

1. The Garden-Gardening hasn’t ended until your beds are cleared out and the bulbs are planted. Once that’s done, set aside some time to discard the containers you no longer need. Sweep up. Organize seeds and equipment so you know where everything is next year when the warm weather returns.

2. The Closet-As fall approaches, look through the summer clothes you didn’t wear even once this year. This is a good time to purge the unloved clothing and donate to someone who can love it. If you store off-season clothing, you can begin the process by storing the clothes that only get worn in summer such as shorts, bathing suits, beach cover-ups, tank tops, and those white shoes.

3. Pool and Water Toys-Pool related toys and equipment should be dried and put into storage bins for re-use next year. Remember to keep it all together, so it’s easy to dig out the next time the thermometer climbs back up.

4. Heating-Now is the best time to check your heating and air system, clean out ducts, and perform any maintenance or repairs that are needed. It’s also a good time to change your smoke alarm batteries.

5. The Desk-You know they’re coming, so why not get ready for those school papers to flow in. Set up an “in box” for each child’s papers to be processed. Set up a “keep” box or file for each child’s art or paperwork that you want to hold onto for long-term keepsakes.

Being Prepared Makes the Job Easier

To tackle these projects-and other areas of your house that need organization-Carter recommends you have a kit ready to use.

“Many people have a cleaning bucket or a set of tools for the office, but how many people have a kit for organizing? Not enough,” explained Carter.

What should you put in the kit? Here are some things Carter recommends you keep on hand to help with your organizing projects:

  • Masking tape
  • Sharpie markers
  • Post-it notes
  • Boxes that can fold flat when not in use
  • Scissors
  • Label maker, stickers or tape
  • Trash bags-use black bags for items that should be thrown away
  • Donation bags-to make sure you don’t confuse donation items with trash items, use white bags for items that are still usable and should be donated

These items will help you quickly work through your projects and finish them off by storing and organizing your items, as well as donating or throwing away any unwanted items.

Plan of Attack – Organize One Step at a Time

Once you have these items together, it’s time to prioritize your projects. Although deciding what to do first, second, third and so on can seem overwhelming, Carter has simple advice to help you decide. “Prioritization is based on how important something is to you,” explained Carter.

So she recommends you start by asking yourself a few simple questions:

  • Why are you doing a project?
  • What will the payoff be when you’re done? Less stress? Being able to find things quickly and easily? Having a neat, clutter free environment?
  • Is the pay-off worth the time? If so, which project has the biggest pay-off?

Then, follow Carter’s ABCs of organizing to tackle each project step by step:

A – Assess your situation.What is the problem? What do you need to solve the problem?

B – Bunch things together if they are used together (for example, paints with brushes). Bunch things together that are like items (shirts with shirts). Banish the things that don’t belong there at all.


C – Contain what you keep. Find the right bin, basket, or shelf for the items you are keeping.


D – Designate a spot where the items will live in your home.

E – Evaluate.Every day, week, month and year, evaluate your situation and re-organize what has become undone.

Avoid These Common Mistakes

When it comes to actually tackling your projects, each one will take a different amount of time. But there can be a fear of over-organizing or continually re-organizing.

To help overcome that problem Carter offered the following tip. “One key to staying organized is to learn when you have reached ‘good enough’ and not strive for perfection…because there is never a perfect.”

Another common mistake is not using the space well, including room at the top of pantries or closets. “Adding shelves can maximize the space,” explained Carter.

Should It Stay or Should It Go?

When organizing a space, there are bound to be a number of items that you just don’t know what to do with. How many sheets should you keep in a full closet? What about that gift you received six years ago?

To help you quickly determine what to keep, what to throw out, and what to donate, Carter suggested the following tips:

  • Ask yourself questions about how often you use things, how much you enjoy things, and if you really need the items at all.

  • Set maximums by space. For example, designate a space and then only save 3 sets of sheets, 1 box of ornaments, and so on if that’s all that will fit in that space.
  • Set maximums by number. For example, keep only 10 scarves, only 40 pair of shoes, only 2 sets of silverware; when you buy a new one, make the tough choice as to which one goes away.
  • Set standards…and stick to them. For example, don’t keep anything broken, stained, or redundant. Who really needs 4 can openers? If things are broken and need repair, set a time limit. If you haven’t repaired an item in 3 months, then it’s probably not that important to you.
  • Don’t just pile everything up and toss it. Keep separate piles. If something’s still useful, but doesn’t meet your criteria to keep it, put it in a pile to donate to a worthy cause.

Finally, remember that it’s okay to get rid of things that were once prized possessions.

“Just because you loved something once, doesn’t mean you still have to keep it,” Carter stated. “Taste changes and it’s okay to be done with items you don’t love any longer.”

Timesaving Tips Straight from the Pro

To help you work quickly and efficiently, Carter offers two important tips:

First, group tasks together so you can get the most done in one location or area. Have all your supplies ready before you start organizing a space. Don’t leave the room to put things away. Gather up everything that goes elsewhere and put it away after you finish organizing the space or during a break.

Second, don’t confuse grouping tasks with multi-tasking, which can be problematic. According to Carter, you shouldn’t multi-task on two projects that both require thinking.

“It takes up more time to switch back and forth from task to task,” Carter stated. “If you need to do more than one thing at once, only one project should require thinking. The other should be mindless-like folding laundry while having a conversation.”

How to Avoid a Major Re-org Every Year…

Regular maintenance is needed to keep your space organized. This means putting things away after you use them.

“Even if you don’t do it right away, you should put items away in a reasonable amount of time,” Carter explained. “If you work full time or are busy with kids, you might find that you do a big ‘put away’ session on the weekends. And that’s okay.”

Don’t be afraid to re-organize when you see things aren’t working. And, every time you bring something new into the house make sure you have a specific place for it. “If it doesn’t have a home, it will become clutter,” Carter said.

Keep It Real…And Keep Your Sanity

In her final words of wisdom, Carter reiterated that organizing is an ongoing process, not a one-time thing.

“Most people buy more than they actually need-and that’s great for capitalism, but bad for clutter,” Carter stated. “If your home is full, think twice and three times before making new purchases. And if you do want to buy something, take a minute to toss something out or donate an item.”

In addition, to help stay organized, Carter recommends keeping a donation box in a closet and adding to it every time you find things you no longer need. You can also find a nearby donation center or a charity that will pick up items from your home to save time, energy, and your sanity.

http://www.robertjrussell.com

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Do you want income or wealth ?

Income Creation Vs. Wealth Creation

Whatever their reasons, the simple fact is that people in the job track will never create true wealth because they are copycatting an income creation system, which is based on linear growth, as opposed to a wealth creation system, which is based on leveraged growth.

People copycatting the income creation system are locked into a time-for-money trap. They trade a unit of their time for a unit of dollars. With income creation, 10 hours of work, equals 10 hours of pay. Unfortunately, most of the time, income creation is an endless treadmill. If you don’t do the work, you don’t get paid. If the treadmill stops, the income stops. People following the income creation system become slaves to temporary income, and they are accidents waiting to happen. If they fall victim to illness, or injury, or long layoffs, or burnout, they are income-less.

Those brave souls who have broken away from the ranks, who have realized that there are other systems out there to copycat — wealth creating systems — are choosing to copycat a system that allows them to leverage their time. They don’t fall victim to the time-for-money trap because they do not trade time for dollars. For them, 10 hours of work means 100 hours of pay… or even 1,000 hours of pay. Moreover, their efforts create residual income. Unlike temporary income, residual income keeps earning money whether they show up to work or not!

Want to find out more? Click the link > http://10035.powerbarclub.com

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Is online marketing for you ?

How To Build An Online Income

If you are serious about making some extra money, or you want a bonafide income online then there are a few places that you can start.

The thing about the affiliate marketing route is that it is often the most talked about as it can be simple to do.

Key Words

The thing that always bugged me about affiliate marketing is the fact that no matter how fast you can write or how good a writer you are, the fact remains that if you can’t get your head around learning to find great, low competition keywords, then you’ve almost lost before you start.

If you can’t formulate a decent keyword strategy the you probably won’t get any traffic. If you have no traffic then forget any income and so the story goes.

If you can somehow get the best keywords and then write well, there is still the little matter of building links.

If your keyword article is great but it has no links then it is possible that some other smarter webmaster may decide to cut in on your dance and rewrite your article and then build twice as many links as you……it happens. In fact it happens often.

Own Your Territory

When your territory gets poached you end up relegated in the search engine results and the competitor ends up on top. That sucks!

If you build enough links and the links have value, then you’ll be close to untouchable (but not out of the woods completely). If you do have keywords and links, the thing you’ll have over your competitors is age and age of the information does matter.

visit our website: htt://www.robertjrussell.com

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Coaching for Profit

No matter whether you are an individual or a large corporate body, you will always strive to make profit by boosting your sales. No business can do without profit as profit proves to be the most important motivational factor for any individual and business. Today we discuss more on coaching for profit. In fact to put it bluntly, if the company does not make a profit, then everyone is out of a job.

Coaching for profit refers to methods and techniques imparted by a coach to people as to how they can earn rich rewards for the efforts that they have put into the business. Coaching is necessary to understand how to maximize the use of various resources in an organization to optimize output. Coaching covers every aspect of the organization from production to the marketing of the products and to their sales. Business requires employing the right kind of marketing mix whereby the best combination of factors like product, price, place and promotion are can all be derived. Every employee of the organization should be made aware of his exact authority and responsibility. You would actually be amazed at how often this does not happen.

Personality development also becomes a very important component of coaching for profit. This is because it is the way that you market yourself and the goods and services that will make a world of difference. You have to make the people believe in the product and service your organization provides. It becomes very necessary to motivate your sub ordinates, executives and even HR managers. We should remember that it is the collective effort of all these people that will lead to sales and hence generating extra profits.

Remember there is no I in T E A M.

Coaching for profit stresses on the confidence that you will be able to exude in front of your audience. Also coaching in the beginning of your career will go a long way in helping you choose a profession or business that you will enjoy doing and also get excellent returns. Coaching helps you to find the right combination of the nature of the business or profession that you enjoy doing while making a handsome profit from it.

Coaching helps you to be innovative in business. It helps you to improvise on the existing systems or come out with whole new systems. Coaching helps you to gain the early bird advantage as it teaches you methods and techniques to implement and action your innovative ideas. In case you are the team member or owner of the organization you have to develop leadership skills as well. This is because it is only through proper leadership that sub ordinates under you will be able to deliver and the organization will be able to earn good revenues.

However not all the profit that the organization makes has to be taken home. A considerable amount of revenue has to be invested back in business to not only cover up the running costs and expenses but also to come out with new innovations and better technology to make quality products. The world today is very much service oriented and the best example of the service oriented organizations would be information technology and the travel industry which are some of the fastest growing industries.

Hence coaching for the service industry in relation to earning profits is very much different from coaching in the manufacturing industry. Though the techniques are different in both the types of industries, the goal is the same at the end of the day and that is making profits.

For more information – visit: http://www.robertjrussell.com

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The Best & Coolest Real Estate Sites I have ever seen!

I am amazed at how advanced websites have become that are designed to help you find just about anything! Here are some of my favorite sites! Enjoy!

http://www.hoodeo.com

“As The Neighborhood Matchmaker, hoodeo learns about you – your hoodeo profile – then matches you to your top 10 ‘best places to live’ by zip code. You are matched based on lifestyle, property type, and the price you are looking for.” Hoodeo.com

http://www.homescape.com

“Homescape provides local, comprehensive property listings and rich content to home buyers and sellers nationwide, while delivering a suite of advertising solutions that offer choice and results that enable real estate professionals to grow their business.” Homescape.com

http://www.beatyouthere.com

“We are a real estate search engine that provides you with the most accurate listings and information possible so that you can make an educated decision based on your search.” BeatYourThere.com

http;//www.insurancepricedright.com

As Texas Realtors are always looking for health benefits, this website provides health insurance quotes in a easy and understandable format where consumers can purchase health, dental, vision and Rx plans.”

http://www.propbot.com

“PropBot.com’s goal is to provide FREE unlimited property listings to REALTORS, brokers, property managers, for sale by owners (FSBO’s), and the average landlord; while advancing property search and listing technology.” Propbot.com

Follow me on TwitterCLICK HERE

Robert J Russell, REALTOR, International Real Estate Specialist, Insurance Broker

Real Estate Website – http://www.robertjrussell.com

Insurance Website – http://www.InsurancePricedRight.com

Apartment Locator – http://www.FreeDFWApartments.com

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Obama: Time for ‘bickering’ is over on health care

Obama: Time for ‘bickering’ is over on health care

President Barack Obama addresses a joint session of Congress on healthcare at
AP – President Barack Obama addresses a joint session of Congress on healthcare at the U.S. Capitol in Washington, …

WASHINGTON – Shaking off a summer of setbacks, President Barack Obama summoned Congress to enact sweeping health care legislation Wednesday night, declaring the “time for bickering is over” and the moment has arrived to protect millions who have unreliable insurance or no coverage at all.

Obama said the changes he wants would cost about $900 billion over decade, “less than we have spent on the Iraq and Afghanistan wars, and less than the tax cuts for the wealthiest few Americans” passed during the Bush administration.

In a televised speech to a joint session of Congress, Obama spoke in favor of a provision for the federal government to sell insurance in competition with private industry. But in a remark certain to displease liberals, he did not insist on it, and said he was open to other alternatives that create choices for consumers.

Obama said he remains ready to listen to all ideas but added in a clear reference to Republicans, “I will not waste time with those who have made the calculation that it’s better politics to kill this plan than to improve it.”

In an unusual outburst from the Republican side of the House chamber, Rep. Joe Wilson, R-S.C., shouted out “You lie” when the president said illegal immigrants would not benefit from his proposals. The president paused briefly and smiled, but from her seat in the visitor’s gallery, first lady Michelle Obama shook her head from side to side in disapproval of the interruption.

In general, the president shied away from providing lawmakers with a list of particulars he wants to see included in the legislation, and there was nothing in the speech to invite comparisons with Bill Clinton’s pen-waving veto threat more than a decade ago on health care.

Obama’s speech came as the president and his allies in Congress readied an autumn campaign to enact his top domestic priority. Republican opposition, contentious town hall meetings and drooping polls have contributed to their woes. An AP-GfK survey hours before the speech showed public disapproval of Obama’s handling of health care has jumped to 52 percent, an increase of 9 percentage points since July.

While Democrats command strong majorities in both the House and Senate, neither chamber has acted on Obama’s top domestic priority, missing numerous deadlines leaders had set for themselves.

In a fresh sign of urgency, Sen. Max Baucus, D-Mont., announced that his Senate Finance Committee would meet in two weeks to begin drafting legislation, whether or not a handful of Democrats and Republicans have come to an agreement. The panel is the last of five to act in Congress, and while the outcome is uncertain, it is the only one where bipartisanship has been given a chance to flourish.

Obama said there is widespread agreement on about 80 percent of what must be included in legislation. Any yet, criticizing Republicans without saying so, he added: “Instead of honest debate, we have seen scare tactics” and ideological warfare that offers no hope for compromise.

“Well, the time for bickering is over,” he said. “The time for games has passed. Now is the season for action.”

“I am not the first president to take up this cause, but I am determined to be the last,” he added.

The president was alternately bipartisan and tough on his Republican critics. He singled out Sen. John McCain, R-Ariz., for praise at one point. Yet, moments later, in a line apparently aimed at McCain’s former running mate, Sarah Palin, Obama accused Republicans of spreading the “cynical and irresponsible” charge that the legislation would include “death panels” with the power to hasten the death of senior citizens.

In one gesture to Republicans, Obama said his administration would authorize a series of test programs in some states to check the impact of medical malpractice changes on health insurance costs.

Responding on behalf of Republicans, Rep. Charles Boustany, R-La., said the country wants Obama to instruct Democratic congressional leaders that “it’s time to start over on a common-sense, bipartisan plan focused on lowering the cost of health care while improving quality.”

“Replacing your family’s current health care with government-run health care is not the answer,” said Boustany, a heart surgeon.

In a reflection of the stakes, White House aides mustered all the traditional pomp they could for a president who took office vowing to change Washington. The setting was a State of the Union-like joint session of Congress, attended by lawmakers, members of the Cabinet and diplomats.

The House was packed, and loud applause greeted the president when he walked down the center aisle of the House chamber.

Additionally, the White House invited as guests men and women who have suffered from high costs and insurance practices, seating them near first lady Michelle Obama. Vicki Kennedy, the widow of Sen. Edward M. Kennedy, D-Mass., was also on the guest list. Kennedy, who died last month, had made health care a career-long cause, and Obama spoke movingly of his efforts.

Obama intends to follow up the speech with an appearance Saturday in Minneapolis, the White House announced.

Despite deep-seated differences among lawmakers, Obama drew a standing ovation when he recounted stories of Americans whose coverage was denied or delayed by their insurers with catastrophic results.

“That is heartbreaking, it is wrong, and no one should me treated that way in the United States of America.”

The president sought to cast his own plan as being in the comfortable political middle, rejecting both the government-run system that some liberals favor and the Republican-backed approach under which all consumers buy health insurance on their own.

Obama said the legislation he seeks would guarantee insurance to consumers, regardless of pre-existing medical conditions, as well as other protections. “As soon as I sign this bill, it will be against the law for insurance companies to drop your coverage when you get sick or water it down when you need it most,” he added.

The president assured those with insurance that “nothing in this plan will require you or your employer to change the coverage or the doctor you have.”

Obama also said the legislation he seeks would help those who lack insurance to afford it. “These are not primarily people on welfare,” he said in a line that appeared aimed at easing concerns among working-class voters. “These are middle-class Americans.”

The president also said he wants legislation that “will slow the growth of health care costs for our families.”

Obama said a collective failure to meet the challenge of overhauling health care for decades has “led us to a breaking point.”

The so-called government option that Obama mentioned has emerged as one of the most contentious issues in the monthslong debate over health care, with liberal Democrats supporting it and many moderates inside the party opposed. An early draft of Baucus’ plan calls for an alternative consisting of nonprofit co-ops. Sen. Olympia Snowe of Maine, the Republican who seems most inclined to cross party lines on the issue, favors a different approach, consisting of a standby in which the government could sell insurance if competition fails to emerge in individual states.

To find out more about health insurance – visit http://www.insurancepricedright.com

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Seniors turning to Life Insurance for Income

RISMEDIA, September 2, 2009-(MCT)-Seniors battered by the tough economy are selling their life insurance policies to replenish their retirement nest eggs.

Unlike younger investors, older adults may not have the time to wait for the market to recover all of their losses, so they’re turning to this previously overlooked asset to see whether they should sell it and use the money to pay medical bills or other expenses.

Seniors sold life insurance policies with a face value of $11.8 billion last year, almost double the value of policies sold just two years earlier, according to the U.S. Senate’s special committee on aging, which recently held a hearing on such transactions. A “life settlement,” as a sale is called, may be an attractive option for seniors who determine they no longer need their life insurance policy, said Doug Head, executive director of the Life Insurance Settlement Association, an industry group.

Policyholders typically sell their insurance through life settlement brokers to investment companies for lump sums that are usually several times greater than they would receive if they surrendered the policies to the insurance companies, he said. The new owners pay the remaining premiums on the policies and become the beneficiaries when the original policyholders die.

But a life settlement doesn’t always make sense, insurance experts caution, and seniors considering such a sale should consult with an independent financial adviser to figure out whether it’s the best move for their particular circumstances.

“If you’re thinking about selling your life insurance mostly because you’re strapped for cash, there may be other ways to tap the value of your policy without losing your coverage,” said Houston lawyer and insurance expert David McDowell. “You may be able to take out a loan against your policy or receive a partial payout through an accelerated death benefit,” he said. “It’s worth visiting with your life insurance agent and exploring the options before sacrificing your coverage.”

Life settlements are also ripe for questionable business practices, so prospective sellers need to work with licensed brokers screened or monitored by state regulators, said Susan Voss of the National Association of Insurance Commissioners.

Started in AIDS Crisis

The life settlement business grew out of the AIDS crisis of the 1980s. In what were called viatical settlements, people living with AIDS sold their unwanted life insurance policies for cash they often used to cover medications or treatments.

As medical breakthroughs extended the lives of many people with AIDS, the industry shifted its focus from the terminally ill and toward seniors in their mid-60s or older, said Scott Gibson of Lewis and Ellis, an actuarial consulting firm in Richardson.

“The best candidates for a life settlement are now people in their 70s or older who have a life insurance policy valued at $500,000 or more that they no longer need, perhaps because their spouses have passed away,” Gibson said. The industry hit a bump earlier this year as capital dried up. But now that investors are returning to the market, buyers’ offers for policies have improved, said Russel Dorsett, co-managing director of the Select Life Settlement Corp. in Houston.

Though the amount that seniors receive for their life insurance will vary depending on their age, gender and overall state of health, the average payout today is slightly less than 20% of the policy’s death benefit, he said. “That’s still three or four times more than they’d get if they simply surrendered their policies to the insurer,” Dorsett said.

Bill Clark, managing director of the Clark Financial Group in Frisco, said he sees a number of circumstances in which older policyholders may want to consider a life settlement as part of their retirement and estate planning. “A policy may not be needed anymore,” he said. “The beneficiaries may have become financially independent and aren’t counting on the policy’s proceeds, or the policyholder determines the estate no longer needs life insurance to pay death taxes.”

Complex Transaction

As more people become aware of life settlements through financial planners, Clark said, more policyholders will at least check out the price they could get for an asset they once regarded as virtually untouchable until death.

Still, selling a life insurance policy is often a complex transaction involving time and paperwork, so consumers should turn to financial advisers who know the risks, said Ana Smith-Daley, a deputy insurance commissioner for Texas. “An independent adviser can help you decide whether selling your policy is in your best interest,” she said. “If it is, the adviser will probably call on a broker to shop around your policy to determine what kind of price it will fetch.”

Seniors also need to understand that their medical records will be examined as part of the sales and that the buyers of their policies will occasionally check on them to determine when to collect the death benefits, she said.

Smith-Daley said sellers may also pay taxes on the proceeds from a life settlement and lose their eligibility for Medicaid or other government benefits, so anyone contemplating a sale should consult a tax adviser or lawyer. But even with those considerations, industry officials expect life settlements to exceed $100 billion over the next couple of decades as boomers convert unwanted or unneeded life insurance to cash to bolster their lagging savings.

“Under the right circumstances, it’s a viable and valuable option that will only become more popular,” Gibson said.

What to consider before you sell your life insurance:

PROS:
-You have no other assets and need the money.
-Your beneficiaries don’t need the death benefit.
-You can’t afford your premiums anymore.
-Your payout will be higher than your policy’s cash surrender value.

CONS:
-You may be unable to buy life insurance again.
-Your beneficiaries won’t receive the death benefit.
-You won’t get a fair price for your policy.
-Your payout may be less than 20% of the death benefit.

To find out more about this topic, Robert J Russell, Insurance Broker – has been licensed since 1985 being one of the youngest Managers for the history of Life of Georgia Insurance Company. He is also available for speaking tours as well as one on one conversations regarding this topic. His website: http://www.InsurancePricedRight.com offers help with people trying to make a Life Insurance purchase.

(c) 2009, The Dallas Morning News. By: Bob Moos

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Who likes Free Stuff

For Free Stuff – here is a list just for you

also check out http://www.insurancepricedright.com & http://www.robertjrussell.com

More from InsurancePricedRight.com

• Health Insurance

• Prescriptions, Rx Cards,

• Life Insurance

1. Free Video Games

If you’re looking for games for the kids — or an excuse to act like a kid yourself — head to Kongregate.com, Popcap.com, Pogo.com and OnlineFlashGames.org for thousands of free online and downloadable games of all types.

For educational or just-for-fun games suited to young kids, check out PBSkids.org, DiscoveryKids.com, NickJr.com and Scholastic.com/kids.

2. Free Birthday Goodies

A slew of businesses will give you prime freebies on your birthday that almost make getting older worth it. For instance, anyone can get free admission to Disneyland or Disney World parks in 2009. Join the birthday club at Toys R Us and your child (younger than 10) will get a free toy or gift card every year.

If you sign up in advance to join the club at your favorite eatery, you could score free food on your birthday too. For example, you can get a free meal at Famous Dave’s BBQ and free ice cream at Cold Stone Creamery and Baskin Robbins. Search the Web for “birthday freebies,” then call your local restaurants to ask whether they participate in the deal.

3. Free Shipping

Special delivery! Some retailers still offer free shipping on every order, including Alyssagiftbaskets.com (special-occasion gifts), Bluenile.com (jewelry), Piperlime.com (shoes), Shopbop.com (clothes) and Zappos.com (shoes).

Many merchants offer free shipping if you can pick up the item at your local store, including Walmart.com, Payless.com and REI.com. This comes in handy for online-only items, oversize purchases or goods that have sold out at your local store. Or, look for free shipping deals when you spend a certain amount, such as orders over $25 at Amazon.com. See FreeShipping.org for more deals.

More from robertjrussell.com:

• Residential, Apartments

• International Real Estate Specialist

• Buyers, Sellers, Investments

4. Free Software

For most of your computing needs, you can get free software. For word processing and spreadsheets, go to OpenOffice.org. For antivirus protection, head to http://free.avg.com. For free basic photo editing, check out http://picasa.google.com, or for more advanced touch-ups, try Gimp.org. And to manage your finances, use the free programs at Mint.com or Wesabe.com.

5. Free Stock Trades

At Wells Fargo, you get 100 commission-free online trades per year if your cumulative account balance is $25,000 or more (including your Wells Fargo checking and savings accounts, certificates of deposit, IRAs and brokerage accounts).

Also, Zecco.com offers ten free trades per month if you have $25,000 in your brokerage account.

6. Free Credit Report

By law, you’re entitled to one free report once a year from each of the three main credit bureaus. Go to www.annualcreditreport.com to find out what lenders can see about your credit history.

7. Free TV and Movies

Head online to watch free episodes from hundreds of TV shows — old and current — as well as free movies. And it’s perfectly legal.

At OVGuide.com you’ll find a list of TV and movie sites including Hulu.com, Veoh.com and Fancast.com, as well as individual network Web sites, such as ABC.com and CBS.com.

8. Free ATMs

A buck or two here and there may not seem like a big deal, but if you’re frequenting ATMs outside your bank’s network, the surcharges can add up quickly.

Get money from an ATM that belongs to a surcharge-free network. Allpoint has about 200 participating institutions and 32,000 ATMs. Money Pass has 600 members and 8,000 ATMs.

9. Free (and Risk-Free) Interest

Many banks offer free savings accounts, but they won’t help your money grow. Instead, use a high-yield online savings account for your short-term savings, such as ING Direct, HSBC Direct and Emigrant Direct. They’re FDIC-insured and were recently paying around 1.4%. They have no minimum-balance requirement, so you earn that rate whether you have $1 or $100,000 saved.

And consider the free interest-bearing checking accounts from ING Direct and Everbank. They’re also FDIC-insured and were recently paying between 0.25% and 1.96%. (Most traditional banks’ free checking accounts pay you nil.)

10. Airline Freebies

Airlines may be scaling back their perks, but some still have freebies for fliers. For instance, Southwest lets you check two bags for free, while most others charge extra for luggage. JetBlue lets you check one bag free, plus gives you access to free TV, satellite radio and all-you-can-eat snacks. Continental still serves free meals on several routes. And all kids under age 2 can fly free on your lap on any airline.

Don’t forget about the free flights you can score by signing up for an airline’s frequent-flier program (enrollment is also free). See the “Program Guide” at WebFlyer.com for the lowdown on each airline’s rules.

11. Free Money for Grad School

On average, a year of graduate school costs $28,375 for a master’s degree at a public school and $38,665 at a private school. But free money abounds, from grants and scholarships to assistantships and fellowships.

12. Free Rewards

You have to buy groceries and gas anyway, so why not use those purchases to get a little more green in your wallet? Sign up for a rewards credit card and get free money, gift certificates, airline miles or other perks. (Of course, it’s only free if you pay the balance in full each month without incurring interest charges.)

When you have to make a purchase online, start at BondRewards.com to earn another cool freebie: You click on an affiliated online retailer (there are hundreds) to do your shopping as usual, and a percentage of your purchase is given back to you in your BondRewards account. You then redeem your rewards for U.S. savings bonds or cash.

13. Free Financial Advice

Not to toot our own horn (okay, maybe just a little), but Kiplinger.com is a treasure trove of free financial advice. Our tools and calculators will help you get on the right financial track.

Our expert columnists will answer your personal-finance questions. For instance, Kim Lankford answers your general financial questions, Janet Bodnar tackles family and kid topics and Knight Kiplinger advises readers on ethics and money matters.

14. Free Mobile Apps

You spent all that money on a new iPhone. Now download some free apps to help you save money and recoup the cost. For instance, the free Mint.com or Quicken apps help you track your spending and manage your money and investments on the go. AMT Hunter can help you find a surcharge-free machine near wherever you are. And iShop can help you search for the lowest price on an item before you buy.

There are plenty of other useful applications at the iTunes App Store, with free recipes, weather updates, diet help, music, games and more.

15. Free Books, Movies, & Music

If you haven’t been to the public library lately, dust off your card. It’s your ticket to mounds of free books, magazines, CDs and movies.

Many libraries also offer free lectures, book readings and community clubs to residents.

16. Free Online Bill Paying

Stop paying your bills by check and put their payment on autopilot. At many banks, including Bank of America, BB&T, SunTrust and Wachovia, you get free bill paying with every online checking account. (Be sure you read the fine print — some banks may require you to maintain a certain balance in your checking account to get the freebie.)

But even if your bank doesn’t give you this freebie, you can probably arrange for automatic bill paying directly with the parties sending the bills, such as your utility, credit-card, phone and mortgage companies.

17. Free Kids’ Meals

Yes, there is such a thing as a free lunch — or dinner. Kids eat free at Denny’s, Lone Star Steakhouse and Roadhouse Grill every Tuesday night (and some Saturdays) with a paying adult. IHOP, Golden Corral, Marie Callender’s and Chevys restaurants offer kids-eat-free deals at select locations.

You can search for eateries in your area at KidsMealDeals.com.

18. Free Digital Storage Space

With free online backup storage, you can protect your important files and photos from computer crashes, theft or natural disaster.

For instance, Spideroak.com and Myotherdrive.com each give you 2 gigabytes of free and secure digital storage space. You can also store your cherished photos and videos at sites such as Photobucket.com and Flickr.com. You can also store your pics at photo-print ordering sites such as Snapfish.com, Shutterfly.com or Walmart.com, as long as your account is active.

19. Free Tech Recycling — With Benefits

Not only is it getting easier to keep your old electronics out of the landfill, but you may even get some free cash in exchange. Services such as BuyMyTronics.com, Gazelle.com, MyBoneyard.com and GreenPhone.com recycle or refurbish your old tech and send you a check in return. They take cameras, cell phones, MP3 players, game consoles and more.

If you can’t find anyone willing to pay for your dinosaur, look for other free places to recycle. For instance, Best Buy will take many of your tech castoffs at no charge. And keep your eyes open for free e-recycling days in your city.

20. Free Capital Gains

Who wouldn’t love to let their investments grow 100% tax-free? Take a pass on paying capital-gains taxes by investing in a Roth IRA. Any money you put into your Roth grows tax-free, and you won’t owe Uncle Sam a dime when you cash out in retirement. It’s all yours.

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Dallas Networking Group

Come join our Dallas Networking Group - http://groups.to/networkingindallastexas

This group is for Networking with like minded Business People in the Dallas – Fort Worth Metro Area.

We are looking for one person from each occupation to join. If you request to join this group and you do not include your occupation then we can not add you to the Group.

Thank you and let’s Network!

Sponsored by: http://www.robertjrussell.com

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To follow on Twitter or not to follow

FollowMeTwitter.jpg

Fact: As of Sept. 3, 2009 – we have the Largest Follower group in the Dallas – Fort Worth Area.

Come be a part of this and follow us http://twitter.com/robertjrussell

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Tiny Degree – Big Bucks

Diploma

Education pays. Not only will you earn more, you’ll also be less vulnerable to rising unemployment.

And you don’t need a Bachelor’s or Master’s Degree to up your ante.

According to BLS, in 2008, workers over 25 with a 2-year Associate’s Degree earned, on average, $736 a week. Compare that to high school graduates, who made just $591. The unemployment rate for this group is also 2% higher – a very significant gap when it comes to unemployment figures.

A 2-year degree – either online or on site – will put you on your way to a rewarding career as one of the following:

Inside Sales Consultant
Inside Sales Consultants work to maximize the sales and increase customer retention for large companies whose business is driven by independent agents. ISCs build and maintain productive relationships with agencies, find ways to maximize participation in incentives programs, coordinate education of agents on products, technology and market dynamics. They analyze regional trends, sales trends and perform financial reviews. Successful ISCs also increase agent retention and help agents increase sales.

Salary: $39,222
Degree Required: Associate’s Degree in Business

Sales Worker Supervisor
As a Sales Worker Supervisor, you’ll oversee the work of a sales staff – from retail salespersons and customer service representatives to sales engineers and wholesale sales reps. Your staff and responsibilities will vary, depending on the type and size of the organization, but some basic duties will include preparing work schedules and assigning workers to specific tasks. A job as a Sales Worker Supervisor can lead to a managerial position, which tends to focus more on planning and strategy.

Median Salary: $40,016
Degree Required: Associate’s in Business Administration

Customer Support Representative
Are you good with people? Able to stay calm under pressure? If so, you’d probably make a great Customer Support Representative. In this role, you’re the main point of contact for customers, whether they’re individuals or other companies. You may be on the phone talking to customers, placing and processing orders or coordinating with other departments. You’ll need to make sure customers receive adequate service, and help them with any questions or concerns. You’ll also want to help build long-term customer loyalty. Some questions are routine, but others are more involved and may require in-depth research or consulting with a supervisor. Either way, communication skills will be essential to your success.

Median Salary: $39,958
Degree required: Associate’s in Business Administration

http://www.robertjrussell.com

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Questions and Answer – Is the customer always right ?

Question:

Hello everyone! Recently I experienced a customer that for the first time in my, well lets just say MANY years of sales, that I honestly have an opportunity in seeing this particular client as being “right”! We all know the rules! 1) The customer is ALWAYS right. 2) When the cutomer is wrong, see rule 1. Well folks, IS a customer EVER wrong? I look at problems as opportunites, so I’ve never had an issue with this before. First time for everything I guess! I would like to know if anyone else has questioned this rule, what makes an exception (IF there is one) and how they handled it and themselves! Thank you!

Answer:

My father owned a plumbing supply house with a showroom for the public. He worked with contractors. Plumbing contractors and builder had the opportunity to send their clients to him and he would up sell their jobs for them. This was my first job. I was 14 at the time and worked there until I was 18. I do think most of those who read my posts and forum articles would agree that I am a very determined person and pretty straight forward. When a person was wrong I would let them know. Scratching my head I wondered why my up sells did not come close to my fathers.

He taught me that the client the majority of times is not right and it is difficult for them to accept that they are wrong. Telling the client they are wrong made my efforts more difficult. It was not until years later I became efficient with the client that is wrong. Sure you can make some sales to people informing them that they are way off base and have no idea. However it sure is much easier to know they are wrong and use their knowledge to convince them to see things in a different light.

The power of questions is amazing. Take the wrong statements add a twist and have them answer that twist. I love the question of why do you feel that is the correct statement? How did you find this information? Complimenting them on their research then I shoot my favorite statement. However if we look at it from this point of view we find this is how it performs and how it delivers for you. Would you like to know exactly how this makes your life easier? Or would you like to know the benefits to you?

I learned that most people react in a much different way when I approach wrong thinking and statements in this manner. I transform myself from an authority figure and do it my way to a consultant and educator. I have also learned that it is much easier to ask for a new decision when I have informed the client that they made a terrible decision and have a horrible point of view.

There are some people who want and need the more direct approach. What are you thinking? These are few and far between the ones who need to be nurtured to capture the sale and keep them long term.

Keep questioning the logic of the client is always right. I am betting the more it is questioned the more the sales professional thinks that it is better to lose the battle but win the war and will find ways to convince the client without informing them that they are idiots for thinking that way.

Reproduced – names have been deleted to protect the innocent

http://www.robertjrussell.com

http://www.insurancepricedright.com

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Know the Signs that your Home is about to Lose Value

Despite signs that the real estate market is bottoming out, millions of homeowners are likely to find themselves in worse shape within the next two years.

Nearly half of the nation’s 52 million mortgage borrowers will have negative equity by the end of the first quarter of 2011, up from the 14 million at the end of this year’s first quarter, according to estimates in an Aug. 5 report by Deutsche Bank. With so many borrowers underwater – or owing more on their home than it’s worth – the risk is high that they’ll default and their homes will go into foreclosure, says Mark Zandi, the chief economist at Moody’s Economy.com. (Moody’s Economy.com estimates that 17.5 million mortgage borrowers will be underwater by early 2010.)

Negative equity is the product of several factors. The most significant weight is the broad and persistent decline in home values. A Zillow.com index of home values fell 12.1% year-over-year during the second quarter, resulting in a total drop of 22.3% since the market peaked in mid-2006, according to an Aug. 11 report by the online real estate marketplace. Many buyers who bought their home around the peak with a 20% down payment have lost that dollar amount.

“The continued decline of U.S. home prices will contribute to rapidly rising rates of negative equity,” Karen Weaver, a Deutsche Bank research analyst, wrote in the report. “The most obvious implication is for mortgage defaults.”

Current homeowners, or those shopping for a home and who are concerned that they’ll end up underwater, should consider how long they expect to live in their house. Being underwater doesn’t affect homeowners unless they plan to sell, Zandi says.

Individuals who are staying put for at least the next five to seven years will likely recoup the lost value of their home, says Amy Bohutinsky, a Zillow.com spokeswoman. In addition, homeowners should refrain from borrowing against their mortgage, she says.

Those who find themselves underwater can turn to the federal Making Home Affordable plan, which can help you refinance or do a loan modification.

Whether you’re at risk for falling behind may have more to do with the economy and your neighborhood than your job, your credit or your income. Here are four warning signs that you’re heading underwater.

1. Foreclosures in Your Neighborhood

The quickest way to end up underwater is to live in a neighborhood that’s plagued by foreclosures.

When one home on your block goes into foreclosure, your home’s value drops by 1%, Zandi says. But that isn’t a one-to-one relationship. If two homes on a block go into foreclosure, your home’s value will drop by more than 2%.

As homes go into foreclosure, they create a domino effect, lowering home values throughout a neighborhood in a cascade beyond homeowners’ control.

2. Homes Lingering on the Market

When “For Sale” signs linger in a neighborhood for three or more months, that may mean buyers and sellers can’t agree on a price. In that environment, homes are unlikely to sell unless the seller lowers their asking price.

“The time on the market is always a good barometer of demand for homes and for the price homes are transacting at,” Zandi says. “The longer it appears that neighbors are taking to sell their home the more likely it is they’re not getting the price they want and that prices are falling.”

Compare the time it took for homes to sell in your neighborhood three years ago vs. today; if it’s taking weeks or months longer to sell, the prices homes can fetch are dropping, Zandi says.

3. Increasing Unemployment

In most cases, the cities where homes have lost the most value during the past year also possess the highest unemployment rates.

Homes in Merced, Calif., have lost 40.2% of their value year-over-year, the biggest loss of home values in the nation, according to Zillow.com. The city’s unemployment rate is the fifth-worst among 372 metropolitan areas at 17.6%, according to June data from the Labor Department. El Centro, Calif., where home values plunged 37.6% year-over-year (the second-biggest drop in the country), has the worst unemployment rate at 27.5%.

Individuals living in areas battered by high unemployment are likely to see their home values drop further, especially if they live in areas dependent on dwindling industries – like Central Valley, Calif., and the mortgage lending business or Detroit and the auto industry, Zandi says.

4. Homes in Disrepair

Dented siding, peeling paint and broken porches could be signs that neighbors are having trouble making ends meet and can no longer pay to take care of their home, Zandi says. Or they may have gotten an appraisal and discovered their homes have dropped in value and are no longer worth the cost of repairs. Inevitably, as the condition of homes in your neighborhood worsens, home values are likely to drop.

“The mere fact that they’re not investing in their homes will affect you too,” Zandi says.

What Underwater Borrowers Have in Common

Risky Mortgages

Some 77% of option-ARM borrowers and 50% of subprime mortgage borrowers were estimated to be underwater as of the first quarter of 2009, according to the Deutsche Bank report. With option-ARMs, borrowers could make minimum monthly payments that didn’t even cover the loan’s interest. As the market declined, these balances grew over time. With subprime mortgages, borrowers often had poor credit scores and little documentation of their financial situation. In both cases, borrowers often ended up with a large mortgage relative to the house’s price.

Date of Purchase

Individuals who bought their home between 2003 and 2008 are at risk of being underwater because they bought while prices were rising, Zandi says. The risk is greater for those who bought between 2005 and 2006, as the market approached its peak.

Excessive Borrowing

Many individuals borrowed against their home when it appreciated in value during the bubble by taking out a second mortgage or tapping into a home equity line of credit or home equity loan. This borrowing left their home with less equity to weather the drop in home values.

Home’s Location

The areas that have been hit the hardest by plunging home values include the “sand states” of Arizona, California, Florida and Nevada because they brought the most speculation, easy credit and overbuilding during the bubble, Zandi says. Also hurt: the states where unemployment is especially high and manufacturing jobs have been eliminated like Michigan, Ohio and Indiana, Zandi says.

This article is part of a series related to being Financially Fit

to find out more about house values, visit: http://www.robertjrussell.com Robert J Russell, REALTOR, International Real Estate Specialist – 972-679-9029

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Swimming – An exercise

Go Swimming!

Go Swimming! - Your Guide To a Water Workout
Visit our website

There are two types of people, those who exercise on a regular basis and those who don’t do it nearly enough. Regardless of the category you fit into, swimming is an exercise that can benefit everyone. So, grab your swimsuits and head for the water. We’re going swimming!

Thanks to the success of Michael Phelps and the members of the United States swim team at last year’s Olympics in Beijing, the popularity of swimming is at an all-time high. From their domination throughout the events to their incredible physiques, US swimmers have created a stir, inspiring many of us to hit the pool. We thought it only fitting that we chime in with some tips to get you started.

Why Swim?
Swimming is primarily an outdoor activity, something that all of us can use a little more of. There’s something rejuvenating about enjoying a little sunshine and fresh air while exercising your body. The bonus is that once your workout is finished you’re already at the pool or the beach. Now all you have to do is relax.

On a more scientific note, swimming is a whole-body low-impact exercise, which makes it perfect for everyone. It is a great way to increase range of motion for all the major muscle groups without placing undo stress on joints and ligaments.

Aside from building strength by moving your body through the resistance provided by the water, swimming is also a cardiovascular exercise. As long you have access to a pool, it is an inexpensive and effective way to either cross-train or rehabilitate your body.

Getting Started
As with any form of exercise, we recommend having a physical examination performed by your family physician to determine if you are healthy enough to partake. Once you’ve received a clean bill of health, the next step would be to procure a comfortable swimsuit, swim goggles, and earplugs. Depending on your skill level, a small foam kickboard and fins may also be a good purchase. The good news is that all of these items are relatively inexpensive and can be found at almost any sporting goods store.

For those of you looking to improve your swimming ability, you may want to find either an adult swim coach, or a Master’s swimming program (a national organization dedicated to all levels of adult swimming) in your area. Both options are great for improving your technique and breathing, two of the more important aspects of swimming. YMCAs as well as aquatic centers are great places to start your search.

If swimming is your introduction to regular exercise, we recommend you start by improving your vertical strength and core strength through various exercises performed at the shallow end of the pool. Walking and jogging in waist-deep water are two such examples.

The Workout
The type of swim workout you choose should directly reflect your overall fitness level and your skill as a swimmer. There are several websites that offer personalized workouts based on this information. One that we like is Swimplan.com. Registration on this site is free, but it does require you to answer a few questions based on the aforementioned criteria.

Before finding your workout on Swimplan.com, we first recommend you measure the length of the pool where you will be doing the majority of your swimming. Since most workouts are broken down and measured in meters, having an idea of your pool’s length will allow you to convert the meters into laps.

The following workout is from Swimplan.com and is just one example of a great workout for a beginning swimmer:

Duration: 30-45 minutes
Distance: 900 meters
Pool Length: 25 meters

Warm Up (repeat 2 times)
-1 x 25m Freestyle Swim (even pace)
-Rest 10 seconds

-1 x 25m Breaststroke Swim (even pace)
-Rest 10 seconds

Build Up (repeat 3 times)
-1 x 50m Single-arm with kickboard and fins (6 x left, 6 x right)
(This is a freestyle swim using one arm at a time. Complete 6 arm strokes with the left arm followed by 6 strokes with the right. The not-stroking arm holds the kickboard out front and swaps with the stroking arm every six strokes.)
- Rest 10 seconds

-1 x 50m Freestyle Kick with fins
(This is freestyle kicking using a kickboard and fins. Grip the front edge with both hands and rest your forearms on the board. Your chin should just touch the water.)
-Rest 10 seconds

Core (1 time)
-4 x 50m Freestyle DPS (Distance Per Stroke)
(Concentrate on long, efficient strokes and a high streamlined body position to reduce drag in the water. Count your strokes per lap, attempting to reduce your strokes with each lap.)
-Rest 20 seconds

-4 x 50m Freestyle Swim
-Rest 15 seconds

Warm Down (1 time)
1 x 100m Easy Stroke
(Swim your choice of stroke at a slow, relaxed pace)

A Few Last Tips…

Wear Your Sunscreen
Just because you’re in the pool the entire time doesn’t mean your body won’t be exposed to the sun. Be sure to wear a waterproof sunscreen with at least 30 SPF while swimming.

Stretch!
Even though most swim workouts include some sort of warm-up phase, it does not mean you should just jump in the pool and start swimming. Be sure to stretch outside the pool for at least 10 minutes before starting your workout. Doing so will not only help prevent injury, it will also maximize your performance.

Swim With a Partner
Just like many other types of workouts, swimming is best when done with a partner. Swimming in pairs will increase your motivation and ensure your safety.

We’ve given you the tools and information to get started. All that’s left is to go swimming!

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Free Advertising Worldwide Group

This group was created for any members who are interested in receiving free advertising for their business.

We welcome and encourage you to advertise on the Wall any website that you can. We will not allow any sites that are not suitable for children to see – if you post something that is offensive you will be banned from this group.

Post any websites in the LINKS section!

Thanks for your time and hopefully you find my methods as useful as I have.

Share this group with everyone:

Group Owner – Robert J Russell – http://www.robertjrussell.com 972-679-9029

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Real Estate Websites

Homes for sale, rent, search, valuations, historical & comparable sales, local market information, and much more..

http://base.google.com/base/help/realestate.html
“Over 56% of all Internet searches on “real estate” and related terms are conducted on Google and our partner sites, and the majority of those searchers are actively looking for listings or referrals to brokers and agents. You can make sure that they can find your listings by submitting them to Google Base” Google.com

http://realestate.yahoo.com
“Search homes for sale, find home values, research housing markets, get a home loan, read expert real estate advice & more!” Yahoo.com

http://www.zillow.com
“Zillow is an online real estate service dedicated to helping you get an edge in real estate by providing you with valuable tools and information.” Zillow.com

http://www.trulia.com
“Trulia is a real estate search engine that helps you find homes for sale and provides real estate information at the local level to help you make better decisions in the process.” Trulia.com

http://www.hotpads.com
“With HotPads’ innovative map-based search, we are striving to give people the best communication platform for sharing information about available housing.” Hotpads.com

http://www.eppraisal.com
“Eppraisal provides free home valuations, data on comparable homes, recent sales, neighborhood details and local market trends.” Eppraisal.com

http://www.homescape.com
“Homescape provides local, comprehensive property listings and rich content to home buyers and sellers nationwide, while delivering a suite of advertising solutions that offer choice and results that enable real estate professionals to grow their business.” Homescape.com

http://real-estate.nextag.com
“Nextag is the leading comparison shopping site for products, financial services, travel, automobiles, real estate, education and more.” Nextag.com

http://www.homegain.com
“Real estate agents and brokers use HomeGain’s real estate marketing solutions and real estate lead generation tools to connect to consumers, promote their services and grow their business.” Homegain.com

http://www.hoodeo.com
“As The Neighborhood Matchmaker, hoodeo learns about you – your hoodeo profile – then matches you to your top 10 ‘best places to live’ by zip code. You are matched based on lifestyle, property type, and the price you are looking for.” Hoodeo.com

http://www.condo.com
“We are the World’s Largest Condo Marketplace. We were formed to help developers, builders, brokers, financial institutions and others sell or rent their condos, lofts or town homes.” Condo.com

http://www.frontdoor.com
“we believe that the home searching experience should be about more than just the boards and the bricks. It should be about what it’s like to live in that building, on that street, and in that neighborhood.” FrontDoor.com

http://www.landwatch.com
“LandWatch helps you find investment or recreation property, land for sale, hunting land and leases, large acreages, farms and ranches for sale, waterfront properties and country homes.” LandWatch.com

http://www.beatyouthere.com
“We are a real estate search engine that provides you with the most accurate listings and information possible so that you can make an educated decision based on your search.” BeatYourThere.com

http://www.clrsearch.com
“CLR Choice, Inc. is a real estate information company that seeks to enhance the real estate search experience by providing the data relevant to making an informed decision.” CLRSearch.com

http://www.cyberhomes.com
“Cyberhomesâ„¢ valuations give you access to most of the same information that real estate professionals use to evaluate homes.” CyberHomes.com

http://www.dothomes.com
“Consumers use DotHomes to quickly search over thousands of estate agent Websites across multiple countries, with relevant search results taking consumers to property listings on these Websites.” DotHomes.com

http://www.homes.com
“Homes.com is a leading provider of real estate services, including property listings, brand advertising and marketing solutions, both online and in print.” Homes.com

http://www.homescout.com
“HomeScout is a comprehensive, consumer-focused real estate web site from HomeGain, the leading, online source for connecting real estate professionals with homeowners and homebuyers. ” HomeScout.com

http://www.roost.com
“Roost offers two services in parallel – a consumer search engine for places to live and a technology platform for REALTORS®.” Roost.com

http://www.propbot.com
“PropBot.com’s goal is to provide FREE unlimited property listings to REALTORS, brokers, property managers, for sale by owners (FSBO’s), and the average landlord; while advancing property search and listing technology.” Propbot.com

http://www.realestate.com
“RealEstate.com is the place to begin your search for real estate, whether you are looking to buy or sell a home or property.” RealEstate.com

http://www.openhouse.com
“OpenHouse.com has approximately 15,000 to 20,000 open house listings in markets across the nation on any given weekend.” OpenHouse.com

http://www.myrealty.com
“MyREALTY.com is a media company that focuses solely on real estate and that which is related to the real estate industry.” MyRealty.com

http://www.teardowns.com
“The Company was founded after realizing first hand that the market lacked an efficient and effective way to buy and sell redevelopment property.” TearDowns.com

http://www.movoto.com
“Whether it’s your first time to buy a home or you’ve done it many times, you can count on Movoto for complete local home market information and introductions to top-rated agents with extensive real estate experience and in-depth local expertise.” Movoto.com

http://www.foreclosure.com
“We deliver the latest, most complete residential foreclosure property listings in an easy, accessible format to our customers and business partners.” Foreclosure.com

http://www.propertyhookup.com
“Our real estate investment software instantly calculates the house values for every residential real estate investment property on the market. It then filters all the house values and identifies the best priced real estate listings for sale in your area.” PropertyHookup.com

http://www.robertjrussell.com, http://www.InsurancePricedRight.com, http://www.FreeDFWApartments.com

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How to keep your money if you make over 100,000

If You Make Over $100,000 How Can You Keep Your Money?

The argument can be heard all the time. The IRS and the government tax everybody else and collect more money from the poor than they do from the rich. The rich are forever applying tax loopholes so that they do not have to pay any taxes. They are getting away with criminal practice!

Over the years, the system has been abused. Tax professionals can indeed determine loopholes to let people pay minimal taxes. Only people earning more than $100,000 yearly can afford them, however. There’s a difference between taking advantage of a loophole and acting illegally. If you want to pay less taxes while keeping the IRS away or staying out of jail, there are various steps you must avoid and various steps you can do.

A great idea is to try to reduce your exposure as much as possible. Nearly 60% of the taxes are paid by people who are making more than $100,000 yearly. This is where the IRS exerts a considerable amount of effort. In correlation, anyone who makes over $100,000 per year has a much higher risk of getting audited. It becomes even more essential and pertinent that you save very detailed and organized records that can be used in the case of an audit and other IRS problems.

How they are cheating the IRS of taxes with offshore accounts are what most people like to show off about. Typically, these people get caught. This is because anybody who reports such offenders are rewarded by the IRS of up to 10% of the amount settled through their fraud hotline. You may have to keep your ears open for such offenders.

There are so-called ’secret’ ways to pay taxes less sold to people. With the tax code free for examination for anyone who wishes to, do you truly believe these ’secret’ ways exist? The IRS and the courts are most likely to reject these. And because it is a waste of the government’s effort, anyone filing a fraudulent tax return can be fined up to $25,000.

A loophole that business owners like to abuse is the deduction of business expenses. The IRS has reason to audit them when they attempt to deduct personal expenses as business expenses. If you don’t want IRS issues on your hands, it is best to distinguish between personal and business expenses.

http://www.robertjrussell.com

http://robertjrussellsocialnetwork.ning.com

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Facebook, Twitter, Robert J Russell Social Networking

I wanted to share just a little Trivia for you.

FACTS on FACEBOOK:

  • More than 250 million active users
  • More than 120 million users log on to Facebook at least once each day
  • More than two-thirds of Facebook users are outside of college
  • The fastest growing demographic is those 35 years old and older
  • Social Media could replace email one day

Facts on Twitter:

  • Twitter has approx 2 million users right now
  • Twitter will allow you to post TWEETS via your telephone – simply call a number, and your message is converted to Text and posted on your Twitter page.

So – why not start your own Social Media ? Crazy ? I don’t think so….

Here is what mine looks like – Sign up and see what you can do!

http://robertjrussellsocialnetwork.ning.com

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Add me to Twitter!

So your thinking of logging into Twitter huh ?

Now you can get the latest TWITTER UPDATES from Robert J Russell, REALTOR, International Real Estate Specialist, Insurance Broker and Well Known Public Speaker.

Simply visit http://twitter.com/robertjrussell - You’ll be glad you did!

FollowMeTwitter.jpg

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How do you rank in the Search Engines ?

Google and other Big Search Engines use for years a smart method for content backlink calculation, in fact an undercover algorhitm for giving specific positions for the web sites in search results, determined by the quality of results, where the main point is the quality of the backlink resources.

A good news is as today you don`t need to be a SEO expert to obtain good results in search engines. Only you have to know what and how you have to do, to obtain a large exposure in search engines, to bring as fast possible visitors and sales on your web site or blog.

PPC, AdWords or any other method of paid advertising is a quick way to get traffic, but there are some risk factors; you have to know SEO techniques to choose the right keywords and advertising text, but even you know how to do that, you have not guarantee of your results. You have nor one control in your traffic campaigns and anytime your ROI balance may fall.

The verified and guaranteed method to get stable a targeted organic traffic with a high conversion value is to use SEO optimization techniques for your site, then to use any natural, smart or safe method to build as many quality one way backlinks you can: Video sites, Bookmarks, article marketing, Social Networks, Podcasts, Blogs etc.. It seems to be a lot of work, it is?

Well, I will show you two methods easy to follow and for sure the most effective in present:

- Free Traffic System during his 2 months prelaunch period from September 2008 helped dozens of people to reach the 1st page in Google and in other big search engines. They was real people with web sites in different niches: arts, advertising, business management, current trading, computer games, health, loans, spiritual improvement etc.

- Less than a month ago was launched Viral Media Distribution where you will find detailed explanations, tools and resources about article marketing, video presentation, setting professional of a Clickbank or any other referral link, about using all great resources of video sites, bookmarks, social networks, podcasts, blogs etc. to develop a huge free traffic resources

A lot more details and some useful free stuff you will find in WordPress Articles Business Blog .

With these two great components: Viral Media Distribution and Free Traffic System you can be sure as only the sky will be the limit for any type of business online you could have.

For answers about Real Estate & Insurance: visit http://www.robertjrussell.com

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Don’t Leave Home Without This!

Subjects to Address with Your Undergrad-To-Be

Don't Leave Home Without This! - Subjects to Address with Your Undergrad-To-Be

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The college fall semester is right around the corner and for most incoming freshmen it will serve as a maiden voyage for living away from mom and dad. If you’re a parent who’s facing this situation, here are five topics that are a must to discuss with your undergrad-to-be.

The pre-college to-do list is daunting to say the least. From setting up financial aid to securing a place for your child to live, getting ready for college is a process that takes many months to execute. As a result, there are several very important topics that many parents never get around to discussing with their child. We suggest using the next few weeks to catch up on these conversations, establishing a line of communication that will benefit all concerned.

Study Habits and Grades
Most sources state between 20 and 25 percent of all college freshmen will drop out before their sophomore year. Furthermore, it is estimated that 50 percent of college freshmen will never make it to graduation.

There are many reasons why students drop out of college, but at the top of the list is poor grades, or an inability to adapt to the demands of an advanced curriculum. One can only wonder how many of these students would have benefited from the proper intervention early on in their college careers. We suggest that you get the ball rolling NOW.

Start by clearly establishing with your child that college will be a much different experience from high school, especially considering how far away you as the primary support system may be. An effective method for accomplishing this is allowing a peer to reaffirm the message. If you have friends or extended family with a child already attending college, arrange for your child to talk to them about their experience.

You’ll also want to be clear with your child about what you expect and that he or she is still accountable to you for the grades received. Let your child know you’ll want to see report cards, and that you’ll be asking for updates on grades throughout the semesters.

It is so important for you as the parent to make the communication process an inviting one. Think of it this way. If your child ends up having an issue with a certain class, you’ll want to know about it as soon as possible. Having open channels of communication will help facilitate this.

Lastly, we suggest that you take a proactive approach by contacting your child’s college, inquiring about any available study programs and student mentors. Many universities have programs like these in place, which help incoming freshmen adapt to their new academic curriculum.

Money
Addressing the subject of money with your college freshman is something that will benefit you for the next four years, and your child forever. Once again, the key is to be clear and direct regarding the money received from you, and how you expect it be spent.

Whatever your arrangement, do not send your child to college without establishing a written budget. Show your child the fixed expenses in relation to the money you’re providing. Explain that the money left over is what’s allocated for fun and entertainment. Not doing so can result in endless requests for more money, not to mention a poor foundation for your child’s future budgeting skills.

In terms of getting your child a credit card, we suggest proceeding with extreme caution, as credit card debt among college students has become almost epidemic. According to Sallie Mae, a college financing company, the average credit card debt for college undergrads in 2009 is over $3,000, a thousand dollars more than it was in 2004. What’s worse is that average balances are even higher for students in their third and fourth years of college.

Don’t forget to warn your child about the high-interest cards that may be solicited to them while on campus. Talk about the responsibility that comes along with having a credit card, as well as the potential dangers. Let your child know that starting out in life with high interest debt is not the recipe for success.

Dating and Friendships
Discussing a child’s personal life is different within every family. There are a couple of points, however, that we think are good for everyone to address.

Events in college students’ personal lives have the potential to be a huge distraction to their education. Remind your child about the importance of good decisions, as well as maintaining a focus on education. After all, it is the primary reason for attending college.

Let your child know you wish to be kept in the loop regarding friends new and old. This is not only for your peace of mind, but also for your child’s safety. Be sure to make it less about the details of the relationships than about maintaining a connection to you and the rest of your child’s support system.

You may also want to use the subject of your child’s personal life to address your expectations for vacations and breaks. Are you okay with your child spending the holidays with a friend, or do you expect your child to come home? How do you feel about friends or significant others coming to your home on breaks? This is a good time to let your child know how you feel.

Drugs and Alcohol
Do not kid yourself. Drugs and alcohol are readily available on and around most every college campus in America. Regardless of how your child behaved while in high school, your supervision will not be present while your child’s away at college. Hopefully you’ve already addressed the subjects of drugs and alcohol with your child. If not, now is the time to do so.

It’s one thing to set up rules while your child is living under your roof. It’s a whole other story when your child is living hundreds if not thousands of miles away. Considering there is no immediate accountability to you, the parent, we suggest sharing a few statistics.

According to an Associated Press analysis of federal records, 157 college-age people (18-23) died due to alcohol poisoning over a 6-year span between 1999 and 2005. Eighty-three of these victims were under the age of 21.

What’s most important to understand is the numbers quoted only reflect deaths due to alcohol poisoning, giving no consideration to traffic fatalities, homicides, injuries, or sexual assaults. Further analysis by the Associated Press revealed that college freshmen were at the greatest risk, with three quarters of the deaths occurring within the students’ first semester in college.

Take the next few weeks to reemphasize the lessons you’ve already taught your child and to remind your child that his or her life is just beginning.

Personal Responsibility
Considering the aforementioned topics, as well as many others, the idea of personal responsibility is what ties everything together. For the first time, your child will officially reach adulthood and be held accountable for everything he or she does from this point forward. The tricky part is your child won’t be living under your roof while this is happening.

Explain to your child that the idea of a “permanent record” is now in effect. How people handle themselves from this point forward will either positively or negatively affect the rest of their lives.

College can be a wonderful experience with infinite possibilities. Talk about these possibilities with your child, explaining the benefits that come with embracing them. Most importantly, let your child know that the next four years will contain some of the more memorable experiences of his or her life.

Here’s to some positive memories for both you and your child.

http://www.insurancepricedright.com

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What Does the Internet Say About You?

Simple Steps to Improve Your Online Personal Info Before Potential Employers See It

What Does the Internet Say About You? - Simple Steps to Improve Your Online Persona - Before Potential Employers See It
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Your online persona is a lot like your credit score. It’s already out there whether you check it or not. And other people-important people who make decisions about your future-can review it at any time.

The similarities don’t end there. Like your credit score, you can review your online persona and work to improve it…so when people like potential employers look at it, they’ll see what you want them to see.

And, trust us, they will look at it.

They’re not necessarily looking for negative news or skeletons in your closet. In most cases, managers and human resource employees do Internet searches on their top pool of candidates to confirm credentials and determine why each person would be a good candidate for the position.

Just because they’re not looking for dirt, though, doesn’t mean they’ll ignore it if they find it. The fact is, a negative online persona can get you knocked off an employer’s list.

Fortunately, managing your online persona is easier than you may think. The tips below can help you take steps to not only review your online persona, but also take steps to make sure it reflects the experience and credentials you want it to.

Step One: Evaluate Your Online Persona

In order to know what your online persona looks like, you have to actually check it. So start by opening your web browser to a search website such as Google.com, Yahoo.com, Ask.com, AltaVista.com, Lycos.com, or Microsoft’s new Bing.com. Then simply type in your name and hit search. Scan through the first two or three pages to see what items are coming up most often, and make note of any negative news that you’d like to get removed.

You can also do more specific searches. For example, you can type your name in quotes along with your email address, the name of your college, your job title, a hobby, or even other people’s names. For example, you could type “your name + friend’s name” or “your name + college name.” You may be surprised what you find with some of these specific searches.

Once you’ve searched your name on one site, open another and do the same thing. You’ll probably find a number of similarities, so you only need to check a few different sites to get an idea of what the Internet says about you.

Remember to take specific notes about false or unflattering information. You’ll want to write down what it is, where it appears, and why it shouldn’t be there.

Finally, don’t forget to search for videos and images! After all, one of your friends may have posted photos from that college party on their website and tagged you in the photo without you realizing it. You can use the same sites listed above-only this time, click the video or image search button before you search for your name. Once again, take careful notes about videos or images that cast you in a negative light.

Step Two: Remove Anything Negative

Like your credit score, if you find information on the Internet that is inaccurate or inappropriate, your first step should be to try to get it removed.

This is where those diligent notes from step one will come in handy.

First, if you found something unflattering that you actually posted in the past, remove it yourself. For example, if you posted pictures or stories on an old blog, go back and remove them.

In addition, take the time to go through any websites or social networking sites where you control the information. Maybe you have a blog, website, or social networking site that features pictures and text that you post. Go back through the information to make sure you still want people to see or read it. If not, remove it immediately…even if it didn’t show up in the search you conducted.

Second, if you found information on other websites that you think should be removed, contact them right away. Start with the websites that have the worst (most egregious or most inaccurate) information. Using a polite but firm tone, explain what content you found on their site, why it’s a problem, and then specifically ask them to remove that information from their site. Be as specific as possible. If the information is false, say that. If the information is private and used without permission, say that. You may even want to include a link in your email or letter to make sure they can quickly find the problematic information that you’re asking them to remove.

Third, take a serious look at your usernames and email address. Often, websites and email accounts include your full name in the contact information along with your username. That can be bad for your image if you use an inappropriate nickname or double entendre as your email address or username. If that’s the case, change it or delete the account and start a new, more professional one.

Finally, remember to follow up. After you’ve removed the information yourself or requested a site to take something down, go back to make sure it’s gone. It’s also a good idea to do regular searches (even specific searches using your name in quotes along with a word or two describing the content that you wanted removed). Do this a week after requesting removal of the information and then again a month later.

Step Three: Build Your Brand

Managing your online persona isn’t just about getting things removed from the Internet; it’s about using the Internet to build your brand.

That means changing your frame of mind from worrying about what people might see to taking a proactive role in determining what they will see.

Here are just a few simple ways you can take control of your online image by building your brand on the Internet:

Create a Profile:

One of the easiest ways to make sure positive attributes, qualifications and accomplishments stand out on the Internet is to create a profile that features those aspects. In fact, create profiles on multiple sites like ZoomInfo.com, Xing.com, and Ziggs.com. These profiles only take a matter of minutes to create and they help boost positive information about you higher in an Internet search.

One of the best profiles to start with is a Google profile. Once you create a Google profile, your name, occupation, location and a photo (if you upload one) will appear on the first page of a Google’s search results for your name. When someone clicks to view your full profile, they’ll see the information you input-which can include a list of employers, places you’ve lived, other sites you use (such as a blog or social networking page) and even a short bio that describes your experience, skills, and interests. Once you have all this information down, you can use it to quickly create profiles on other sites.

Finally, since many employers are actually searching the Internet to verify your qualifications and experience, consider setting up an account on a website for freelancers or contract employees, such as Guru.com.

Remember, there are a number of similar profile sites. You don’t have to join them all, but joining a few and putting in relevant, important information about yourself can really help boost your online persona.

Participate in Social Networking:

You’ve no doubt heard about popular social networking sites like Facebook.com, LinkedIn.com, SpeakerSite.com as well as micro-blogging sites like Twitter.com and online photos sites like Flickr.com.

These sites offer you fun, interactive ways to connect with friends, family, and peers. In addition, they are great for improving your online persona because they often climb near the top of searches.

That said, there are few things to keep in mind.

First, notice this tip says “participate in social networking” not just “join.” The more information you include in your profile and the more you participate, the more useful these sites will be in building your brand.

Second, when you do participate make sure it’s relevant. Your status updates don’t have to be all business and no play; it’s okay to have a balance of your personal and professional life on these sites. But make sure that you keep it appropriate. That means keeping slang to a minimum, and avoiding inappropriate words, humor, photos or stories. It also means that you should write occasional posts about a professional conference you’ve attended or project you’ve finished.

Also, make sure you join groups or communities on these sites that reflect your professional aspirations and the positive image you’re trying to portray. Before joining any group, ask yourself if you’d feel comfortable discussing your membership in the online group with your grandmother or during a job interview with a potential employer.

Finally, make sure you take advantage of other online communities besides these sites. Becoming active in a discussion thread or chat room hosted by a professional organization can be a powerful way to improve your online persona. Not only will your peers and potential employers get to know you on those sites, but your posts will often find their way into your search results.

Start a Blog or Website:

One of the most productive ways to control your online persona is to create new content on a blog or website that highlights or reflects your expertise.

A blog or website not only gives you the space necessary to write about your areas of expertise, but they also rank high in Internet searches if the content is updated regularly.

While this step may seem a bit overwhelming at first, a number of providers such as WordPress.com or Blogger.com make it fast and convenient. You don’t need to know how to program html or JavaScript. They do all the work for you. All you have to do is sign-in and post.

So what should you post?

The obvious answer is to make sure you post appropriate information. It’s okay to have multiple blogs or sites-for example, one about your family for friends to read and one about your professional experience for peers and potential employers to read. But make sure the content on both sites is appropriate because there’s no way to stop a potential employer from seeing your family site.

If you’re stuck wondering what to write about, use your imagination. You don’t have to write a white paper in every post. Maybe you want to post your thoughts about the top three things you learned at a professional conference and include a link to the conference website. Maybe you just received an award or professional certification… write about that and put a link to the site that awarded it. Or maybe you have ideas about the best way to write a report. As long as you’re not divulging trade secrets, write about what you do, what you know, and what your job growth goals are for the future.

You may even want to take an additional step to purchase and use a domain name that’s as close as possible to your name. That will solidify your professionalism and help eliminate any confusion about who you are and what you do.

Remember, the website or blog is a reflection of you…of your brand. So make sure it’s clean, organized, professional looking, and that each post is error free and edited.

Maximize Your Web Presence by Interlinking Your Sites:

Once you’ve created a few online profiles, started participating in social network sites, and developed a quality blog with a few posts, it’s time to make sure people notice. That means promoting each of these sites in other sites by linking to them.

So, on your Facebook page, you should include links to your Twitter account and your blog or website. On your blog or website, create a Contact Information page that includes links to your online profiles, Facebook page, Twitter account, and so on. On your profile pages, include links to your blog and social networking sites.

It sounds a bit repetitive, if not overkill. But it’s not. It’s important. Why? The simple reason is that links are factored into Internet searches.

When someone does a search of your name on the Internet, the sites that typically rank the highest have the most sites linking to them.

That means, the more sites that link to your blog, the better chance you have of it hitting the first page of search results. And that’s the ultimate goal here…getting the positive information that you create to rise to the top, so people see the online persona that you’ve strategically developed and that you want them to see.

Therefore, make sure you have as many sites and profiles cross-referencing each other as you can. And keep adding fresh content and information updates regularly.

Relax – One Step at a Time is Fine

This article has given you a number of easy-to-follow simple steps to improve your online persona. But even then, this can seem like a daunting task.

The trick is, don’t let it be. Take it one step at a time.

Start by simply evaluating what’s out there and working to remove any negative pictures or information. That alone will be helpful. Then, as you have time, follow the steps for creating a new, more professional persona using profiles, social networking sites, and a blog or website.

In no time, you’ll start seeing those positive, professional websites rise to the top of Internet searches. And you’ll take comfort in knowing that those are the same sites that potential employers see when they take a closer look at you on the Internet.

For More Information visit: http://www.robertjrussell.com , http://www.InsurancePricedRight.com or http://www.FreeDFWApartments.com

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Tangled in the World Wide Web? Avoid 2 Serious Online Mistakes

Reprint from: http://www.AgentsSalesJournal.com
August 2009 - Prospecting Corner
Written by Marilee Driscoll

Would you allow someone else to control the lease on your office space, your business phone number, or the renewal of your insurance license? Of course not! Being a business owner means having the responsibility to control and deploy assets that are important to your practice. And these days, your email addresses and Web site domains can be just as important to your business as a phone line. The way that you have purchased or leased these online assets may leave you vulnerable to a variety of avoidable risks.

While setting up your online presence, make sure you are prepared for any later issues by avoiding two serious mistakes when it comes to establishing your Web address, your page design, and more.

Mistake #1: Not owning your domain
The most important thing you can do is to control your destiny by owning your domain name. The domain name is the part of a URL (uniform resource locator) that typically comes after “www.” and ends with an extension such as “.com,” “.net,” “.org,” etc. Your domain name is usually listed on your business card, as well as on any advertising you may place. People find your Web site on the Internet, by typing your URL into a browser (such as Internet Explorer or Firefox) or by conducting an Internet search on Google or some other engine and clicking on a result, which redirects their browser to a URL.

The owner of a domain is called a “registrant,” and that entity (it can be a person or another legal entity) controls the URL in the same way that the owner of a life insurance policy controls the policy. To keep things simple, you should be the registrant for any and all domain names you use.

But here’s the really important advice: Never, ever, obtain a domain through a reseller, even if they may you an offer to get your domain “on your behalf” for free when you purchase another service through them – usually a Web site and/or hosting. Why does this matter? Imagine that your Webmaster (or anyone else) purchases a domain that you use for your Web site (in this case, they are usually the registrant). You become unhappy with the service you are getting, and you want to switch to a new Webmaster or service.

Well, like the insured who wants to change a policy that they don’t own, they are at the mercy of the owner (in this case, the registrant). And there’s no legal obligation to play nice. Your domain can effectively be held hostage while an expensive and time-consuming appeals process takes place. This type of situation is not, unfortunately, unusual. It happens all the time.

A less malicious but equally difficult situation can happen when someone else acts as the registrant of your domain, and then becomes disabled or passes away. Will your domain be renewed (after all, it’s the previous owner’s credit card that’s file)? What will their estate do with your domain?

It should cost you less than $10/year to own your domain. The company that I use and recommend is www.GoDaddy.com (you’ve seen their ads on the Super Bowl). You can find other places to buy domains by searching for an “ICANN-accredited domain registrar.” (ICANN is the worldwide organization that controls the Internet’s naming system and can be found at www.ICANN.org.)

Registering your domain has nothing to do with where your Web site is hosted; they are separate and distinct functions. Once you own a domain, you can have it hosted by any company, or leave it unhosted, if you like. You can also point a domain so that, when someone puts it into a browser, it points to another domain that is hosted. GoDaddy, for example, offers free pointing when you purchase a domain through them.

Mistake #2: Not owning your Web site design
If you hire someone to design a Web site for you, make sure that that they sign a contract before work starts and before any money changes hands stating that you own the Web site, that they are retained under what is called “work for hire,” and that all copyright protection is transferred to you in exchange for the agreed-upon fee. Otherwise, like the photographer who takes a photograph, the creator/developer owns all the rights to what is created – in other words, your Web site.

Also be sure to stay legal by checking the usage guidelines for clip art and any graphics you use on your site.

You certainly wouldn’t write a new application using someone else’s name as agent. So don’t make the similarly foolish mistake of abdicating ownership of the all-important online infrastructure of your business. Take the proper steps to keep everything under your name and your control, and you can avoid some unexpected but messy situations later on.

Marilee Driscoll is a professional speaker and consultant, the author of “The Complete Idiot’s Guide to Long-Term Care Planning,” and a principal in FollowUpSystems LLC. She can be reached at 508-830-9975 or through www.marileedriscoll.com.

For information about Insurance & Real Estate visit: http://www.robertjrussell.com or http://www.InsurancePricedRight.com

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Cool New Gadgets

The Title Says it All

Cool New Gadgets - The Title Says it All
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It doesn’t matter if you’re an electronics geek, or electronically challenged. Gadgets can be really cool. It’s our opinion that the best electronic gadgets not only serve a legitimate purpose, they also have a big-time “wow” factor. Following are our picks for five of the coolest new gadgets.

Flip Videoâ„¢
If you have children, or if you love shooting video at a moment’s notice, a Flip Video camera is for you. Roughly the size of an iPhone, only a little thicker, the Flip can fit in your pocket and be taken anywhere. It’s also a breeze to operate.

What’s really cool about this video camera is that it doesn’t utilize videotape or even a memory card. The video chip built in to the unit holds up to one hour of video recording, which can be easily uploaded to either a PC or a Mac. The best part is there’s no software to install in your computer. It’s all built right into the camera. Plugging the Flip in to your computer is also easy. With one push of a button, out pops a USB arm and it’s ready to go.

With models starting at $129, the Flip Video camera can be purchased at many different retail outlets, or online. To find out more about this most awesome product, log onto theflip.com.

NU-M8® from LOK8U™
According to LOK8U (locate you), the NU-M8 (new mate) is the world’s first GPS device designed with the safety of children in mind. Concealed as a wristwatch worn by your child, the device monitors their whereabouts with an accuracy of 10 feet.

The parent monitors the child by either plugging a portal into their computer, or via their cell phone’s text messaging feature. What’s cool about this gadget is that if the child’s wristwatch is removed, the parent is immediately notified through either email or text message. You can also set up a defined area by time and day. If the child strays outside the area, you get notified. The device has no range limit and can be used at home or abroad.

Developed in the UK, NU-M8 made its US debut at the Consumer Electronics show this past January. Word has it that it will be available for purchase by late spring. While prices haven’t been confirmed, it is rumored the unit will cost roughly $218, plus a monthly service plan. To find out more about the NU-M8, log onto LOK8U.com.

Kindle 2 from Amazon
If you are an avid reader, the Kindle 2 is sure to bring a smile to your face. Just over a 1/3 of an inch thick and weighing in at 10.2 ounces, the Kindle 2 is a wireless reading device that can be used anywhere.

The Kindle 2 costs $359 and is available at Amazon.com. Once you purchase the unit you have the ability to buy and download over 225,000 books, newspapers and magazines. Downloads take less than sixty seconds from start to finish, with no computer needed.

While the Kindle 2 holds up to 1,500 titles, Amazon backs up your entire library and allows you to re-download any selection at any time. It operates off of a 3G wireless service and there are no monthly fees or service plans. All you pay for are the titles you purchase.

We really like this gadget for two reasons. The first is the amount of paper it saves. A more selfish reason is that you can bring your entire library with you everywhere you go.

Ultimate Ears® from Logitech®
For anyone who’s not a fan of the earphones that come along with most MP3 players and cell phones, we’ve got some good news. Ultimate Ears (recently purchased by Logitech) is producing several lines of professional quality earphones that are receiving a tremendous amount of positive feedback.

The way the story goes is that Van Halen’s sound engineer, Jerry Harvey, was looking to help the band’s drummer better hear the rest of the band while on stage. What he came up with were custom in-ear speakers that blocked out all outside noise. In 1995, Jerry started Ultimate Ears, catering only to professional musicians. In 2004, the company began selling to the public.

Ultimate Ears now carries four lines of earphones catering to everyone from commuters with iPods to bona fide audiophiles and serious musicians. Models range from $49 to $1,200. Some models also include miniature microphones, making them perfect for people with cell phones that double as MP3 players. From comfort to overall sound quality, Ultimate Ears is a fantastic product.

To find out more about the various models, or to purchase your own set of Ultimate Ears, log on to UltimateEars.com.

Virtual Video Glasses from Zetronixâ„¢
Twenty years ago, virtual video glasses were relegated to science fiction movies. Now, they are not only a reality, they are incredibly cool.

Imagine a pair of glasses that look like something the Terminator would wear. These glasses, however, come with earphones and an AV input. Connect them to anything with an AV output (iPod Video, DVD player, VHS player, DVR, TIVO, video game consuls, etc.) and you’re ready to watch movies and TV shows, or play video games.

What’s cool about these glasses is that the experience is completely personal. That’s right, the video and audio can only be seen and heard by you. If that’s not cool enough, the glasses block out all light, simulating a home theater viewed from the optimal distance of six feet. Models that simulate a 50-inch screen start at $150. Higher end models that simulate bigger screens can cost as much as $400. Many of the more expensive models are also wireless, 3D ready, or both.

To purchase or to learn more about Virtual Video Glasses, log on to Zetronix.com.

So, there you have it – our top picks for the coolest new gadgets. Check them out and see what you think. It may be time to embrace your inner gadget geek.

courtesy of: http://www.robertjrussell.com

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Search Engine Optimization

Keyword knowledge is absolutely critical to successfully optimizing a website, yet amazingly it is often the part of the process that ends up being rushed. When I say successfully optimizing a website, I don’t simply mean getting it to rank high in search engines, you might be thinking that surely that’s the whole point of search engine optimization (SEO). However there is absolutely no point ranking high for keywords that either do not receive many searches from internet users, or keywords that generate the wrong type of traffic.

So what is the wrong type of traffic? Basically the wrong type of traffic is users who are not interested in your product/service offering and are never likely to be. People who are new to SEO often make the mistake of optimizing for keywords that do receive lots of traffic, but they are highly competitive phrases which require a lot more work and time in order to achieve high rankings. When and if they achieve high rankings they are often not specific or targeted enough to convert traffic into leads.

In order to find targeted key phrases it is important to think about to type of phrases users are likely to enter into search engines when trying to find your service or product offering. Let’s use a website selling real estate as an example, someone might be tempted to optimize for the phrase ‘real estate’ because it receives a high volume of traffic each month. However a more sensible phrase to optimize for might be ‘dallas real estate’ or ‘texas real estate’ as these phrases still receive a good amount of traffic, they are more specific in that a user is clearly searching for the type of products/services on offer and there will be less competition.

So how do you find the right keywords? I would recommend a tool called Wordtracker, this is widely accepted in the SEO world as being the best keyword research tool in the industry, within Wordtracker you can find out how many searches there are each day on specific key phrases as well as how much competition there is. I won’t go into detail on how to use Wordtracker in this article, since that really warrants a completely separate (and much more lengthy article).

So to summarize before starting to optimize any website I would always recommend that thorough keyword research has been completed to ensure that you actually get the results you’re hoping for. Also be wary of any SEO consultants or web designers who do rush this process or in fact skip it altogether, unfortunately it is not uncommon for companies (often web designers without SEO experience/expertise) to simply guess at the keywords, or use very generic phrases rather than conducting research.

Here are some websites that I have created:

http://www.robertjrussell.com

http://www.insurancepricedright.com

http://www.FreeDFWApartments.com

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$8000 First Time Homebuyer’s Tax Credit

Time is running out! Do not let an $8000 tax credit pass you by.

Imagine hearing this while on the next walk through of your future home, “Not only did the previous owners update the kitchen, replace the roof and install a brand new sprinkler system, but the United States government is going to sweeten the deal with eight thousand dollars.”

For first-time home buyers willing to take the plunge into ownership between now and close to the end of 2009, a tax credit (that means cash) can be yours if you meet the qualifications.

Do not confuse this credit with the former program which was a loan that would have to be repaid over time. This is money in your pocket to furnish your new home with new carpet, perhaps an energy efficient central air and heating system, or for some, a second honeymoon to the Grand Caymans. They money is yours to do with as you please!

Many people have questions about the tax credit. Here’s a few of the most common ones with answers:

1. Can I qualify as a first-time buyer if I have previously owned a home?

Yes, as long as you have not owned a home for three years prior to making your new purchase. If you sold your last home on May 1, 2006, you will qualify for the credit with a new home purchase on or any day after May 1, 2009. You must keep the home as your main residence for a minimum of 36 months after purchasing.

2. If I owe $2500 in taxes and I qualify for the $8000, what happens to the $5500 difference?

It comes to you in a refund check from the IRS. Any amount above what you may owe (if you owe anything at all) will be returned to you. Also, if you are scheduled to receive a return of $1300, you would receive a check or electronic funds transfer for $9300.

3. Are there any income limitations?

Yes. Individuals filing a gross income under $75,000 qualify for the full $8000 credit. Married couples earning less than a combined $150,000 qualify for 100% of the credit as well. Individuals earning between $75,000 and $95,000 will see a tiered credit. Married couples earning between $150,000 and $170,000 will also see a tiered credit in their return.

There is some talk in regards to an extension or increase to the amount of credit allotted as well as the time frame in which a buyer may take advantage of the program. There is even some thought that it will cover all home purchases, not just those made by first-time buyers. This is not set or guaranteed. The $8000 outlined in this article is, however, and is waiting to be claimed on your 2009 tax return.

To find out about buying a home – visit http://www.robertjrussell.com

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Accenting a Living Room with a Seaside Theme

A seaside theme is an inviting way to decorate a living room. A seaside theme works beautifully with calming wall colors like blue and green and neutral shades like sand with accents in white. An adaptable and versatile scheme, existing furniture and wall colors may already provide a perfect backdrop for a nautical theme. All that’s left to do is add some ocean-inspired wall art décor, table top accents and other affordable accessories.
Create a Focal Point

A bare expanse of wall over a couch or above a low console may be an ideal spot for nautical inspired wall art that influences the accent colors and accessories of your room. Metal wall hangings of realistic fish, calming waves, and underwater plant life will add color and texture to the walls. Repeat the colors in the metal wall art elsewhere in the room; beautiful coral and white in the metal wall art can be repeated in throw pillows or an area rug used to define a conversation area. Add light and dimension to nautical wall décor by including a pair of candle lanterns reminiscent of those used by lighthouse keepers.

Add Accents for a Designer Touch

Keep a nautical theme flowing throughout the living room space by repeating colors, textures and thematic accents:

Candle wall lanterns are a good start. Continue using candles to create ambiance and nautical atmosphere. Pillar candles in hurricanes on a mantle, coffee table or side tables can be nested in handfuls of seashells, beach glass, and gleaming stones polished by the sea. Set candles in place inside the cylinder or hurricane and arrange large shells, starfish or glass and stones around the candles.

Create a table top centerpiece with a simple tray or charger in an accent color. Pour clean craft and on top of the tray or charger and swirl it as desired. Tuck in shells, glass, stones and faux sand dollars and starfish. Add fragrant tea light or votive candles in sparkling crystal cups in scents that capture the fragrance of sea spray or an ocean breeze. Gather a woven vase full of sea grasses and seed heads next to the candle arrangement, or choose a tall woven vase and set it on the floor.
Make your own wall art with a shadow box. Purchase a new or used box at the resale store and use it to display small ocean inspired décor from beachcombing excursions. Beach glass and treasured seashells stand out against a box with a background of deep sand; add figurines, small stone lighthouses, boats or fish as desired. Shadowboxes can also be purchased with decorative accents in place: from nautical boating themes and maps to replicas of a seaside cottage, an online search will yield options to suite any preference.

Bring the entire room together will throw pillows and floor cushions in your accent colors. Blue, greens, and coral look smashing against a neutral background of sand or light blue. Ticking stripes, bold checks in blue and white and accents of red provide a shipshape motif against a simple backdrop of light blue and white.
A textural sea grass area rug can accent the space in front of a fireplace or between two love seats facing each other across a conversation area.

Lamps in classic nautical brass, wall sculpture and decorative wall art with a nautical twist are ocean-inspired accents that may be used throughout the room.

For more information about Real Estate – visit: http://www.dfwhomeforsale.com

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Invite Your Friends Over Today

From a clever twist on the usual potluck to a summertime spread gone international, with a dash of imagination and a quick change of scenery, our alfresco dining ideas are sure to please the crowd.

  • Make-Together Meal
    Get collaborative with your guests in the kitchen, and then enjoy the homemade meal together beneath the stars. Decide on a menu and complete the basic prep at home, asking that your friends bring over specific ingredients you still need.

    Perhaps it’s chicken kabobs seared to perfection on the grill-purchase the chicken and skewers yourself and let the meat marinate ahead of time. Suggest that your friends bring over their favorite vegetables, then assemble them together and grill them outdoors.

    For even more bonding time in the kitchen, try making the entire meal from scratch with your friends. Ask each of your guests to bring the ingredients for one of your pre-determined dishes, then prepare the meal indoors and enjoy it outside. To avoid a crowded kitchen, try splitting up tasks, even sending some people outdoors to prep the grill or set the table. The food may taste delicious, but even more satisfying is knowing that you’ve prepared a wholesome, homemade meal together-with a lot of fun and laughter along the way.

…For Real Estate Ideas or to learn how to Buy, Sell or Invest in Real Estate – visit http://www.robertjrussell.com

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  • Summertime Shrimp Boil
    It’s a savory, beach-inspired meal without the mess. In typical one-dish dinner fashion, our Frogmore Stew Recipe-a traditional Southern blend of seafood and vegetables-fills up stomachs and keeps clean up to a minimum. Simply spread a disposable tablecloth or newspaper on a picnic table and let everyone dig in using their hands. Just be sure to keep plenty of paper towels around! When the party’s over, you can easily dispose of the paper and tote your stewpot home.

    To keep the fun, hands-on spirit alive at your outdoor gathering, set up a few summertime activities, like face painting with skin-friendly paints and tie-dying. To tie-dye your threads, purchase inexpensive white cotton t-shirts at your local retailer and twist into tight shapes with several rubber bands. Fill old buckets with an array of fabric dyes, and then let your guests dip to their desire. Lay the wet shirts in a sunny spot in the grass to let dry.

  • Neighborhood Picnic Party
    Running short on tables and chairs? Just because you can’t provide everyone in your neighborhood with a place to sit shouldn’t keep you from hosting a party with the feel of a street-wide picnic. On decorative paper, send out simple invitations asking each of your neighbors to gather on your lawn with blankets and one or two easy, portable dishes. Everyone can come together to enjoy homemade snacks, then lie down for summer stargazing after sunset.
  • A Worldly BuffetA Worldly Buffet
    Hosting an intercontinental dinner party is always a fun feat, but by moving the bash outdoors, your guests can enjoy the warm weather, too. To get a taste of the world without ever leaving home, try setting up a potluck buffet in your backyard or patio that features exotic cuisine from various locales. Assign each of your guests to a different country-when you send out your invitations, try tailoring each invite’s design to the nation’s theme.

Take your summertime entertaining to new heights by moving delicious meals outdoors. Whether it’s an impromptu picnic with neighbors or an exotic trip across the globe for your taste buds, getting creative with your cuisine and taking advantage of the summer air is always a recipe for success.

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International & Luxury Properties

Are you looking for Luxury or International Resort Properties ?

We offer properties all over the world – Call Robert J Russell, International Real Estate Specialist for more details – 972-679-9029

Click Here for our Luxury & International Resorts Available

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Credit Scores and Buying a Home

Purchasing a home can feel overwhelming for buyers no matter how many times they’ve been through the process. And today, your credit score is more important than ever when it comes to your ability to buy the home you really want. If you are looking to improve your credit score, now is the perfect time to get started. Here are some great strategies you can utilize right away to give your score a little boost. For Information about Credit Scores, Mortgage Loans, Home purchase visit http://www.robertjrussell.com.
Create Some Balance: While paying down installment debt (car, school, mortgage, etc.) will definitely boost your credit score, paying down or paying off revolving debt, such as credit cards, can cause a quick jump in your credit score. The trick is to get and keep your balances below 30% of your credit limit on each card. For faster results, attack those cards with balances closer to their respective credit limits first, as opposed to those cards with simply the highest debt. Remember, if you pay off any credit cards completely, do not close your accounts without discussing it with your mortgage professional first. Cancelling those cards may inadvertently undo all of your hard work.

Know Your Limits: Make sure that your credit card issuers are reporting the correct limits on your accounts to the three major credit bureaus. Without an available limit, your account will appear to be maxed out at its highest reported balance each month. This could cost you up to 80 points in certain instances. Some creditors, such as American Express® and certain cards issued by Capital One®, actually have a policy of not reporting available credit. However, most companies will report your credit limits if you ask them in writing.

Take Some Credit: If you have a credit card account in very good standing, make sure that all three credit bureaus know about it. Just like your credit limits, some creditors don’t report your information to all three credit companies – this is why credit scores often vary between bureaus. If this is the case, give them a call to find out why. Correcting this oversight could provide a significant boost to your score. Also, if you’re in very good standing, ask your creditor for a lower rate or higher credit limit. This will increase the gap in the debt you owe versus the credit you have available. Sometimes hinting about closing an account can suddenly bring out the generous spirit of certain card issuers. Give it a try. The worst they can say is no.

Protect Your Interests: Your credit is calculated based solely on the information available to your creditors. If you have a HELOC, make sure it’s listed as a mortgage or an installment account on your credit reports and not a revolving debt. If you had a bankruptcy, be sure that all items associated with the bankruptcy are being reported correctly, that is with a zero balance. This action could increase your score by 50-100 points. Because simple mistakes like these can wreak havoc on your credit score, it’s important to monitor your credit every four to six months.

Even the Score: If you find information on your credit report that you believe is inaccurate or incomplete, then you have the right to dispute it free of charge. For the fastest results, visit the appropriate credit bureau’s website and file a complaint online. If supporting documents are necessary, you have to file your dispute by mail.

With just a little bit of effort, you could be well on your way to a higher credit score…and to owning the home of your dreams!

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Luxury Apartments for Rent

Luxury Buenos Aires Apartment For Rent

BAStay.com epitomizes the splendor and charm of Buenos Aires’ Belle Epoch. Our luxury Buenos Aires apartments and five star services characterize both the opulence and grandeur of this golden and bygone age. BAStay luxury apartments offer elegance and colonial charm, or super modern and contemporary styling in Buenos Aires’ landmark and safest locations. www.robertjrussell.com, your home in Buenos Aires Marca Reg.

Luxury Buenos Aires Tours * Luxury Travel Argentina * Luxury Informational Guide

Luxury Buenos Aires Apartments, Tours & Travel | RENT BUENOS AIRES | RENTALS | REAL ESTATE

VIVA BUENOS AIRES! Luxury Vacations Palermo Soho - http://www.bastay.com
VIVA BUENOS AIRES! Luxury Vacations Palermo Soho

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Life and the Report Card

It can seem harsh to think that every aspect of our life is reporting back to us like grades on a report card as to how well we are doing in living and applying the universal rules governing all that we are creating in our life.

In my early years of elementary, middle, and high school I was not a particularly good student. My report cards definitely reflected this fact. “Robert, you can do anything you put your mind to, if you would just put your mind to something…anything!” was the common plea of my parents at this time of my life. School and studying didn’t interest me much however and my grades reflected this fact.

Little did I know as a young man that all of life was much like school; there are multiple subjects and the better we learn and apply the rules the better grade or results we will get out of life.

In school, the better you study and understand the lessons, the better grade you get when tested. It seems self-evident that real life, life after school, operates upon specific rules/laws, yet for many years I was not interested in really studying the necessary lessons to learn how to be successful in every aspect of my life.

We all can readily spout off our A,B,C’s and much of the book learning of our school education, yet can we readily spout off the universal laws and truths that govern how we are getting everything that we are getting in life?

Our report card of life reveals how well we are doing in our interpersonal relationships, our finances, our spiritual growth, our peace of mind, our joy, our health, our ability to manifest the desires of our heart. I know that many of us are getting A’s or B’s in one or two of these classes, but the rest…

It can be easier to think that the manifestations of our life are too random and out of our control to ever truly master and get “straight A’s.” Yet many of us partake in self-help seminars, read books on getting better results in various aspects of our life, go to church to learn, and follow teachers and gurus in the hope that we can figure out what we missed in the school of life in order to get an A.

We all live life, yet often we wish for someone to write the book titled, “Life for Dummies” because life seems so complex and unfair. The real truths/rules/laws of life are simple. Life does not require a Ph.D., it does however require consistency and accuracy in applying them!

As a business owner, Speaker and Realtor, people come to me for help for every issue involving business concepts sort of like they do coming to see a doctor. The true definition of doctor is not healer, but teacher. So much of the time I am presented with people who will fight to the death to hold onto medicines, ideas, life concepts, unforgiveness, and other self-deprecating thoughts, never realizing that those same issues are what is giving them such bad grades!

Why hold onto beliefs and life concepts that are not working for you? I occasionally say to them “So how is that belief working for you?” just hopefully to open the window of their mind just enough to help them see what their belief is creating.

Do I personally get “Straight A’s” in every aspect of my life now? No, yet I am getting better grades all the time as I study diligently and apply the lessons in the textbook of life.

Life is not made up of random events. Like it or not you are much more in direct control of what experiences and results you keep getting in your life. Unlike your school report card, the Report Card of Life is updated within each moment, based upon your ability to continue to do what is necessary to maintain the continual stream of creation of that which is truly wanted.

Thankfully it is not like a Credit Report which tracks all the mistakes and less than perfect times in your past, and limits your access to manifesting everything you want in the now moment!

I have written this and other educational posts on my blog to inspire you to really understand and consistently apply the life lessons necessary in order to live a happy, healthy, prosperous life.

The path is set in front of you – will you take the path or create your own ?

To find out how you can have Robert J Russell speak to your group or organization – FREE – call Robert at 972-679-9029

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Successful Webinars for Real Estate

Many real estate pros use seminars to establish themselves as experts in the field. However, seminars can be expensive and time-consuming. But with the ever-evolving Internet, you can now put on Web-based seminars-Webinars-for nearly any kind of audience. Here’s how you get the most bang for your seminar buck.

Webinar Advantages: Better Than Being There?

A virtual seminar is a live event with a main speaker, in which attendees can view slides of the presentation on their computer desktops and the speaker’s voice is delivered through the phone or computer speakers.

The advantages to you and your audience are many, such as:

  • Convenience: Your prospects don’t have to get into a car and go somewhere (nor do you). They can participate right from the comfort of their home or office, which means they are more likely to attend.
  • Control: Attendees will have less fear of being “overpowered” by a sales pitch because they are not physically present and can click off at any time.
  • Interaction: Most webinar systems give the speaker the ability to interact directly with attendees using real-time polls and a chat box for questions and comments.
  • Feedback: Some webinar solutions allow you to automatically launch a survey immediately after the seminar ends. This is a great tool to receive candid feedback to gauge how well you did, how you could make it better, and expression of interest (including buying signals).
  • Cost: If you choose wisely, you can put on a webinar for a fraction of the cost of a traditional seminar.
  • Content: If your webinar system allows you to record your sessions, then you have an ongoing source of updated multimedia information for your Web site or blog.

At this point you may be thinking, “OK, great, but does it really work to generate new business?”

Let me put it this way: As a professional international speaker for nearly 15 years, I can attest to the business-generating power of seminars. In fact, during the past six months, webinars have been my only method of delivery. They have empowered me to reach more people than I ever have before with just a fraction of the effort and time involved with traditional seminars. (View an example: See a webinar I delivered to Maryland Association of REALTORS® associates last April.)

You too can use webinars to establish yourself as an expert, reach far more prospects, and convert more of them into clients.

The Technology You Need to Set it Up

Here are some tools you need to host a Webinar.

  • Webinar system: What you want from a webinar platform is a combination of affordability, accessibility, and user interactivity. The one I use is GoToWebinar.com from Citrix. (Not to be confused with GoToMeeting, which is offered by the same company but does not include polls or surveys and is limited to 16 people.) The company offers a reasonable “all you can meet” pricing model either by the month or annually. This means you can use the system as many times as you want, with as many people as you want (up to 1,000) at any time. You can even try it free for 30 days. Remember: You need to practice on the system a few times before you conduct a live webinar. Some other popular webinar vendors include Adobe Connect, WebEx, and ConferencePlus.
  • Internet connection: Make sure you have a reliable broadband connection because you will be broadcasting your voice and sometimes even your computer screen.
  • Cordless phone headset: During a webinar, people will hear your disembodied voice and see whatever you are sharing on your computer screen-and that’s it! This means your voice has to do the heavy lifting to keep the group engaged and their energy up. The easiest way to do that is to stand up and move while you are talking. This automatically improves your voice with that extra dose of energy and enthusiasm. A cordless headset can give you the freedom to do that. HelloDirect.com is one company that offers these; I personally prefer the GN950e, which gives you 350′ of freedom and can be used as a computer headset as well.

Checklist: How to Prepare

Keep the following items in mind as you set up your webinar so you have no surprises when the time comes to put on your show.

  • Schedule the day and time: Set the time, duration, and date that works best for your prospects. Try to keep the duration to no more than one hour until you develop strong confidence in your presentation skills. Also, be aware of what time zone you are using. Obviously, use your local one if all your attendees are local. Otherwise, for North America, use Eastern time, and attendees outside of that time zone can calculate for their own time (at least you hope they can).
  • Describe the webinar: Give your webinar a title and description. Make sure your webinar title is very compelling and attractive to your intended audience-otherwise, they will not even bother to register. Also, the webinar description copy should include bullet points that outline the benefits of attending.
  • Add panelists: These are people that either present with you or help you present (more on this later).
  • Customize the webinar theme: This is the look and feel of what attendees will see when they receive your e-mail announcement and when they first log in. You can change the color, upload your logo, and include your photo.
  • Set up a registration form: This is the information-mostly contact information-that your attendees will need to supply in order to register. Avoid mandatory fields whenever possible. (For example, GoToWebinar requires a name and e-mail address, but everything else is optional.)
  • Arrange for a post-webinar survey: Think through the questions you want your attendees to answer and be sure to ask if they would like to schedule an appointment with you (the call to action). Then, plan on sending the survey out to all your attendees following the webinar.
  • Set up your polls: These are a great way to get attendees to anonymously interact with you and each other in real time. They are typically used for larger audiences (50-plus). If you expect to use a poll in your webinar, set them up well in advance of your webinar and be sure to practice using them with a friend. Remember to talk to your audience while they fill these out, rather than just waiting silently and creating a “dead air” effect.
  • Coordinate your e-mail reminders: Determine when e-mail reminders of the webinar will be sent to the registrants and what they will say. You will want to send out at least one or two reminders to registrants so they don’t forget about the webinar. Be sure to include important log-in information and a phone number, if applicable, so they’ll know how to access the webinar when the time comes.

2 Ways to Promote Your Webinar

So now that you have the logistics of your webinar all in place, you are now ready to announce it. Here are two primary ways to announce your webinar:

1. E-mail: Most providers have some sort of e-mail template, as well as the means for sending it to registrants. I use the basic format generated directly by GoToWebinar and then modified it slightly before sending it out. For e-mail announcements and reminders, I have found that three times within about a 45-day period works best, with the last reminder just a few days before the webinar date.

2. Web: You can post the registration link (using suitable promotional copy) on your Web site, blog, or any social media sites you belong to.

Don’t hesitate to use affiliate relationships (title companies, mortgage lender, attorneys, etc.) to help spread the word.

With most webinar vendors, you’ll be able to log into your account at any time to see who has registered, who they are, and if they had any pre-attendance questions.

3 Reminders for the Day of Your Webinar

Here are some things you’ll want to have ready before your webinar goes live.

1. Prepare your materials: Make sure that you have pre-loaded any Web sites and your PowerPoint presentation well in advance of launching your webinar.

2. Adjust your screen resolution: Make sure your screen resolution is set to 1024 x 768, especially if you have a high-resolution screen. If you don’t, your attendees may have a hard time viewing details on your screen if you’re sharing it with them.

3. Make a knowledgeable friend or trusted colleague a panelist: It is very important to have someone who is familiar with your content and who can answer most questions and even run through the typed-in comments within the Q&A box that come in from attendees. There is no way you can do this yourself and keep your presentation flowing smoothly. When your friend logs in as a panelist, be sure to make them an “Organizer” so she can see and respond to the typed Q&A questions.

5 Presentation Tips

You want to deliver a high-performance and engaging webinar. Follow these pointers for presentation style.

1. Have a killer opening: Briefly introduce yourself and your fellow panelists and explain why attendees are there (keep it benefit-oriented) in a way that will grab them immediately.

2. Give an overview: Tell them what you are going to cover (again, stress the benefits).

3. Be participant-centric: In addition to keeping the webinar benefit-oriented, allow for audience interaction, which is much more engaging than just listening to someone. Note: Don’t overwhelm your audience with PowerPoint slides. Use as few as possible and fill in the blanks with your personality and words.

4. Review what you cover: Stick to a few main points and the benefits they’ll receive from learning this material.

5. Close with a call to action: Thank them for attending and be sure to remind them to complete the post-webinar survey too. In addition to establishing yourself as an expert, you want to use this opportunity to persuade them to become clients.

Due to high-speed Internet and affordable webinar systems readily available, webinars have made it easier than ever-and more fun-to show prospects that you’re a top professional in the industry. So jump right in and explore this whole new world of business-generating opportunity awaiting you and you’ll be propelling your virtual stardom in no time.

More real estate pros are turning to Web-based seminars, a cost-effective option to land in front of more clients. Here’s how you can do it too.

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Buy a House – Buy a Ticket

Buy a Ticket

RISMEDIA, July 15, 2009-(MCT)-With a housing market sinking to lows seldom seen in this country’s history, some people are resorting to seldom-used practices to sell their houses.

Don and Karen Carroll count themselves among that group. With plans to move to Painesville Township, the Eastlake couple is trying to sell their home of five years but to this point haven’t had much luck.

“Our house has been on the market for almost a month and a half, but only one person has come to look at it,” said Don, 40. “That being the case, we’re kind of worried.”

So, they’ve come up with a Plan B.

“I was sitting in the living room last week, and I said to my husband, ‘What if we tried to raffle this house?’ ” said Karen, 50. “Somebody in this big world had to have done it before.”

In fact, someone has. Last year, a Maryland couple raffled off their four-bedroom farmhouse – which was appraised at $390,000 when it was first put on the market – by selling 6,289 tickets at a price of $100 each.

The entire process took about two and a half months and the raffle even raised about $225,000 for a charity of that couple’s choice.

The Carrolls first hoped to do exactly the same but have since learned that Ohio law prevents them from doing so, Don said.

However, another entity – like a nonprofit organization – can conduct such a raffle, Don said, explaining that led the Carrolls to approach the Diabetes Association of Greater Cleveland in hopes of working something out.

“My mother just passed away last month from diabetes,” said Karen, explaining why the couple chose the Beachwood-based nonprofit.

However, such a raffle would have to be approved by the association’s board of directors and there are still a number of legal questions that must be answered, said Lori Izeman, director of development and communication.

“We’re interested in looking at new streams of revenue, and this may be an exciting opportunity,” she said. “We’re thrilled they’re thinking locally, because the Diabetes Association of Greater Cleveland is the only local nonprofit dedicated to diabetes. We’re not part of a national organization.”

Should things not work with the association, Don said he and his wife would look for other nonprofits in hopes of arranging a raffle.

“In my heart, I think this could be a successful thing for whichever organization was willing to do it,” he said.
In the meantime, the three-bedroom, one-bathroom raised-ranch house at 1259 E. 362nd St. is still up for sale. It’s been appraised at $115,000, Don said.

Realtor Daryl Poe, who along with wife Georgia is the Keller Williams Realty agent for the house, said the couple would likely sell their home before any raffle if a buyer stepped forward.

Still, he gives the Carrolls credit for deciding to raffle the house.

“As a Realtor, it didn’t bother me,” Poe said. “You got people thinking outside the box.”

Copyright (c) 2009, The News-Herald, Willoughby, Ohio
Distributed by McClatchy-Tribune Information Services.

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Foreclosures by State

Select a state from the map or the list below for complete state foreclosure information. Each state foreclosure page includes a summary of your state foreclosure law as well as links to other foreclosure law resources.

Map of the U.S.

Alabama Foreclosure Law
Alaska Foreclosure Law
Arizona Foreclosure Law
Arkansas Foreclosure Law
California Foreclosure Law
Colorado Foreclosure Law
Connecticut Foreclosure Law
Delaware Foreclosure Law
Florida Foreclosure Law
Georgia Foreclosure Law
Hawaii Foreclosure Law
Idaho Foreclosure Law
Illinois Foreclosure Law
Indiana Foreclosure Law
Iowa Foreclosure Law
Kansas Foreclosure Law
Kentucky Foreclosure Law
Louisiana Foreclosure Law
Maine Foreclosure Law
Maryland Foreclosure Law
Massachusetts Foreclosure Law
Michigan Foreclosure Law
Minnesota Foreclosure Law
Mississippi Foreclosure Law
Missouri Foreclosure Law

Montana Foreclosure Law
Nebraska Foreclosure Law
Nevada Foreclosure Law
New Hampshire Foreclosure Law
New Jersey Foreclosure Law
New Mexico Foreclosure Law
New York Foreclosure Law
North Carolina Foreclosure Law
North Dakota Foreclosure Law
Ohio Foreclosure Law
Oklahoma Foreclosure Law
Oregon Foreclosure Law
Pennsylvania Foreclosure Law
Rhode Island Foreclosure Law
South Carolina Foreclosure Law
South Dakota Foreclosure Law
Tennessee Foreclosure Law
Texas Foreclosure Law
Utah Foreclosure Law
Vermont Foreclosure Law
Virginia Foreclosure Law
Washington Foreclosure Law
Washington D.C. Foreclosure Law
West Virginia Foreclosure Law
Wisconsin Foreclosure Law

Wyoming Foreclosure Law

Important Legal Disclaimer

visit http://www.robertjrussell.com

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Are you Money Smart ? How about your Children ?

Money Smart for Young Adults

The FDIC’s Money Smart for Young Adults curriculum helps youth ages 12-20 learn the basics of handling their money and finances, including how to create positive relationships with financial institutions. Equipping young people in their formative years with the basics of financial education can give them the knowledge, skills, and confidence they need to manage their finances once they enter the real world.

Money Smart for Young Adults consists of eight instructor-led modules. Each module includes a fully scripted instructor guide, participant guide, and overhead slides. The materials also include an optional computer-based scenario that allows students to complete realistic exercises based on each module. The curriculum is distributed on CD: click here to order it.

Money Smart for Young Adults is:

  • Free;
  • Aligned with educational standards for all 50 states, the District of Columbia, Guam and the Virgin Islands, as well as Jump$tart financial education standards and National Council on Economic Education economic education standards;
  • Based on the award-winning Money Smart adult financial education curriculum that can bring proven results in the money management practices and financial confidence of graduates;
  • Offers a completely customizable curriculum comprised of modules that can be taught on a stand-alone basis;
  • Not protected by copyright restrictions; and
  • A source of unbiased information that is not “branded” with corporate logos or otherwise affiliated with any commercial interest.

Modules range from 90-110 minutes if taught in their entirety. However, the content is layered so that it can be taught in two (or more parts). To help an instructor tailor the modules to the needs of the audience, the front of each module includes a matrix or Layering Table to delineate the module’s components. The matrix will assist an instructor in presenting material responsive to the needs of your target audience within the available time frame.

A description of each of the eight modules follows:

  • The Bank On It module teaches banking basics. Students learn the types of financial institutions, why people use banks, and the fundamentals of using bank accounts. This module also covers additional banking services that a bank might provide and the functions of bank personnel so that when the time comes, the students have the tools they need to begin a relationship with a bank.
  • The Check It Out module helps students understand checking accounts. They learn how checking accounts work, what fees they charge, how to open an account, and how to maintain it.
  • The Setting Financial Goals module shows students how to manage their money by preparing a personal spending plan, differentiating wants from needs, and identifying ways to decrease spending and increase income.
  • The Pay Yourself First module helps students identify ways they can save money and introduces savings options that they can use to save toward their goals.
  • The Borrowing Basics module helps the students learn how to use credit appropriately and determine what forms of credit best suit their needs.
  • The Charge It Right module teaches students about credit cards and how to use them responsibly.
  • The Paying for College and Cars module provides general information on installment loans, including car loans and student loans.
  • The A Roof Over Your Head module gives students the information they need to make informed choices about renting their first apartment. It will also review the basics of getting a mortgage, and help them make decisions and answer questions to determine their readiness to have a space of their own.

Potential Uses of Money Smart for Young Adults
The curriculum can be used by individuals who are seasoned, professional educators as well as informal educators (such as bank staff visiting a classroom). As with the adult curriculum, the materials are fully scripted so someone can pick up the instructor guides and begin teaching without having previous teaching experience or extensive subject matter expertise. In short, any instructor can easily pull quality, objective, instructor-led content from Money Smart for Young Adults to integrate into a class on subjects ranging from math or English. Uses for Money Smart for Young Adults include as:

  • Part of a required course;
  • Optional material for visiting/guest teachers;
  • A supplement to material in finance, economics, social studies, math, or business courses;
  • An after-school elective;
  • A school group or club project; or as
  • A workshop offered by organizations serving youth.

Additional Information on the Computer-Based Scenarios
An optional computer-based interactive scenario is available for each module. Each of the scenarios takes the students through financial decisions that face young adults. As students complete each scenario, they are evaluating current knowledge or knowledge learned through the instructional materials and classroom activities. There are no right or wrong answers; students choose the best answer and then see how that decision has affected the characters’ financial status. Each scenario takes approximately 10 minutes to complete. The files for the scenarios are included on the instructor-led CD for teachers to download to a network drive or to individual classroom computers.

Need for Youth Financial Education
Financial education enables young people to start positive habits early such as saving money and budgeting, as well as avoid making “wrong” decisions that could result in years of financial pain, such as incurring an unmanageable level of credit card debt. Demand has grown for a version of Money Smart to combat the lack of financial literacy skills among youth. Surveys indicate that a minority of surveyed teens understand how credit card interest and fees work, how to balance a checkbook, or know how to check the accuracy of a bank statement. Additionally, studies indicate that a sizeable majority of college students have at least one credit card, as well as have incurred several thousand dollars in credit card debt while in school. Fortunately, an opportunity exists to deliver critical information to a largely receptive audience, as a recent survey indicated that a large majority of surveyed teens are eager to learn more about how to manage and handle their money.

The curriculum is distributed on CD: click here to order it.

For questions or comments about the content or operation of the Money Smart for Young Adults CDs, please email communityaffairs@fdic.gov . For information on using the curriculum in your community, please contact your FDIC Community Affairs Officer.

For Information about Real Estate & Insurance – visit http://www.robertjrussell.com

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3 Steps – Staying Motivated towards your Goals

It’s not always easy to stay motivated when you’re trying to achieve a goal. Some experts say that the “goal” itself should be enough to inspire unwavering diligence toward achieving it…and there is an element of truth in that. However, the reality is that the discomforts of striving for a particular goal can sometimes cause us to lose focus.

Want to get in shape, save for a large purchase, “make the grade” in your studies? Don’t worry… whatever you’re trying to accomplish, the following tips can help you stay motivated and on track.

Visualize the End Result
Can’t you just see yourself pounds lighter and fitting into a nifty outfit? The key question is how do you imagine yourself “feeling”? Healthier? Sexier? More self-confident? When you develop the ability to visualize your goals and imagine what the end results will be, you are more likely to stay motivated.

Many people have found it helpful to compose a “dream board” which is an arrangement of images representative of the goal. For instance, if you were saving money for a tropical beach vacation, then you’d get some travel brochures or create a collage of pictures from a magazine of blue ocean, palm trees, exotic fruit drinks…you get the picture!

Set Intermediate Goals and Reward Yourself for Small Victories
It’s human to want results now. However, some worthwhile goals may require a great deal of effort and time to accomplish. Don’t let that deter you. By setting smaller goals, you can work on each step that will eventually add up to big results in the end.

And don’t forget to reward yourself when you reach small milestones along the way. Knowing that there are little “treats” along the journey to your goal will keep you excited and motivated.

Draw Inspiration from Others
Sources of inspiration to stay motivated can come from success quotes, lyrics, movies that depict people who attained their dreams through hard work or even speaking with others who have achieved what you’re working toward. If they could do it…so can you!

If your focus begins to fade or you skid on a patch of discouragement, you may find it helpful to identify an accountability partner who will encourage you to stay the course. And, in instances where your partner is also striving toward an accomplishment, you’ll experience the magic of motivating each other toward success.

Visualizing the end result, celebrating small victories along the way and drawing inspiration and encouragement from others are three powerful, easy-to-implement methods of staying motivated toward reaching your goals. So, go for it!

To find out more about Robert J Russell – visit http://www.robertjrussell.com

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REALTOR, International Real Estate Specialist

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