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Surf Fishing The Outer Banks of North Carolina

2007-08-26T23:02:00.000-07:00

My first experience surf fishing was with my father on Wrightsville Beach, NC in the 60s. He parked our shiny black Ford Fairlane in a gravel parking lot off the beach and we hiked over the dunes to the surf, carrying rods, buckets, tackle box and various other fishing paraphernalia. I remember him catching bluefish, croakers, puppy drum and flounder as I played in the tidal pools nearby. Later, my grandmother would fry the filleted fish to a golden brown and we would eat them with hushpuppies and coleslaw.

Years later, in the mid-eighties, I remember an early winter fishing expedition near Oregon Inlet, south of Nags Head, this time with my husband, 8-month old daughter and a Chesapeake Bay Retriever puppy. My husband had come in from duck hunting and had heard the big blues were hitting the beach! We parked our 4-wheel drive truck nearby on the hard sand and with the baby playing contentedly in her car seat and the puppy chewing on anything he could find, we lined up along the surf with a few dozen other fishermen, casting the heavy silver spoon lures into the churning waters of the big blue blitz. Cast after cast we were rewarded with huge bluefish, twelve to sixteen pounds, filling up a wheelbarrow in a pyramid of large fish. Later we filleted, boiled and ate the fish in casseroles made with mashed potatoes. Needless to say, we were eating bluefish casseroles all winter long.

Surf fishing is exciting, rewarding and accessible to all. Most locations can be reached either by car or ferry. With a basic understanding of seasons, conditions, equipment and regulations, an angler can get lucky just about any time of the year, but typically the very best times to surf fish are spring and fall.

Popular and prolific sport fish species you may catch surf fishing along the North Carolina coast include:

Channel bass (red drum, puppy drum) --
The spring season generally begins in April. This run will peak by mid May and taper off in early June. Average size in spring is 35 to 50 pounds. In September the smaller drum will enter the surf. These fish will range between 2 and 15 pounds. They are more plentiful than the larger variety and can be found in most sloughs. In late October the bigger drum (40-70 pounds) return and remain until late November. Bait of choice is fresh mullet; rods are 9 to 11 feet with medium to heavy action tips. Size allowed is between 18 and 27 with a daily bag limit of 1 per person.

Bluefish --
Blues are available in a variety of sizes from April to December to surf fishermen and boaters as well. Large size blues (8-12 pounds) arrive in May and remain until November. Their departure is generally hastened by the arrival of the fall run of 15-20 pound giant blues. These later fall visitors are plentiful and powerful. They'll take bait (mullet, spot, or menhaden) or almost any type of lure. Fishing rods 9 to 11 feet are preferred. Bag limit of 15 per day per person. Only 5 allowed over 24 total length (from tip of snout to tip of compressed tail).

Spanish mackerel --
This fish is somewhat of a tourist, arriving in June and staying until later September. The Spanish is delicious, averages 1 to 3 pounds and presents a real challenge to any angler. Spanish mackerel are usually taken on fast moving metal lures. Fishing rod of choice is a 9 foot light action. Minimum size allowed is 12 fork length (from tip of snout to middle of fork in tail). Bag limit of 15 per day per person

Striped bass --
Recently during the winter months striped bass have returned to NC waters in great numbers. October, November and December are the best times for fishing, with fish still showing up as late as February. In Atlantic waters, size limit is over 27 total length with bag limit of 2 per day. For sounds and other areas, consult the NC Marine Fisheries website.

Flounder (summer, southern)--
Flounder begin biting in May as the water warms. By June, the fishing is going strong, with both summer and southern flounder being caught. Southern flounder dominate the catch in inshore and southern NC waters, while summer flounder dominate the catch in offshore waters north of Cape Hatteras. Many flounder are caught using cut baits and some are caught using jigs. When jigs are used, they work best when tipped with fish, shrimp or a mullet minnow.

Other species available to North Carolina surf fishermen are pompano, croaker, trout, spot, hogfish and whiting (sea mullet).

Be advised that there is a proposed recreational saltwater fishing license which is scheduled to take effect January 2006. The license is still being debated by the North Carolina General Assembly and you should check the NC Marine Fisheries website (http://www.ncfisheries.net) to determine if a license is required before fishing the NC coast after that date.

Also, the size regulations and limits given above are accurate at the time of this writing (summer 2005) but are subject to change, so check the NC Marine Fisheries website to confirm these regulations before your fishing expedition.

Whether beginning angler or old salt, surf fishing is a popular and fun activity with minimal expense, no boat required, easy access to great fishing conditions and plenty of action. With a minimum of effort and expense, you can catch a variety of excellent eating fish, have a great time and start making your own memories.

E. A. Edwards is a free-lance writer with a variety of professional and personal interests. You will find more information about fishing and fishing gear on http://www.fishing-rod-guide.info.

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The Perfect Spa and Hot Tub Accessories

2007-08-26T20:47:00.000-07:00

Portable spas are becoming increasingly popular these days as people who lead the typical modern stressful lifestyle are realizing the importance of relaxation and rejuvenation. Infrared sauna kits are the first choice for many individuals, as they offer deeper tissue penetration, and a more intense detoxification experience than traditional steam saunas. Along with spa's, many consumers need accessories to maintain that nice, expensive item that they just purchased.

Looking for some scents to make your spa water smell better? They are actually making products for spas that are considered aromatherapy. Not only do your muscles feel great after spending time in your spa, but the delicious scents you inhale make you feel great inside. These are becoming very popular and may be worth a try to see how you feel. Other popular accessories include cover lifters. These are essential is if you live in a colder climate and your spa in outdoors. Not only is it safer to use a cover lifter, it is much quicker and easier to cover and uncover it.

There are numerous spa and hot tub supplies and accessories on the market that are worthwhile checking out. The chemicals are getting better and better and much less abrasive on your skin. You may have to try a few before you find that one that keeps your spa and hot tub clean and clear as well you easy on your skin.

Amy-Jo Strutt is a successful health and beauty writer and regular contributor to saunas-hot-tubs-covers.com an online resource to help you find the very best sauna and hot tub products. http://www.saunas-hot-tubs-covers.com/portable-spas.htm

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How To Compare Low Cost Automobile Insurance In Indiana

2007-08-26T19:51:00.000-07:00

It may be tempting to drive around without automobile insurance in Indiana, but this is never suggested. Your insurance I.D. card, which every insurance company in the state must issue with a new policy, is required when you go to register your vehicle. It's also mandatory that you present it if you are stopped by a police officer or if you need to appear in court because of a traffic violation. There is a way to find low cost automobile insurance in Indiana and it involves comparing rates.

Many people make the mistake of calling a well-known automobile insurance company, getting a quote and purchasing a policy. Although its obviously important to have a well-respected company handling your insurance needs, there are many companies in the state of Indiana that offer well priced automobile insurance. Therefore its essential to call or contact at least three or four to receive quotes. Prices can vary quite a bit from one company to another and you may be surprised by exactly how much you can save.

Before you do call any agents to get quotes ensure that you have all the necessary information nearby. This includes your vehicle information including the make and model, your own driving history, and the driving history of anyone else you plan on insuring on the policy. If you have a spouse or partner who also has a vehicle of their own, ask for an additional quote that includes their vehicle. Its often cheaper to purchase one policy that covers all the automobiles in the home, than it is to purchase separate policies for each driver.

You may find that overzealous car insurance agents will try and sell you a policy that includes coverage you simply dont need. The best way to deal with them is to be firm, but polite and clear on exactly what you do need.

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Mortgage Refinancing Without Overpaying

2007-08-26T19:23:00.000-07:00

If youre considering refinancing your home mortgage there are steps you can take to avoid overpaying for the new loan. Many homeowners dont realize that their interest rate has been marked up to give the loan originator a bonus and according to the Secretary of Housing and Urban Development, this markup will cost homeowners in the United States nearly sixteen billion dollars this year alone. Here are several tips to help you avoid the unnecessary markup of your mortgage interest rate.

The first step you should take when mortgage refinancing is to avoid your bank completely. Banks are not required by law to disclose their markup of your interest rate. Banks routinely charge their borrowers Service Release Premium to boost their profits when your loan is sold on the secondary market. Bank interest rates are typically .5 to .75% higher than market mortgage rates. The banking lobby has spent millions of dollars to be excluded from the disclosure laws in the United States; dont expect this to change anytime soon.

Mortgage brokers on the other hand are just as greedy as banks so the interest rates you find when comparison shopping are just as inflated as bank rates. The question becomes: How can you refinance your mortgage without paying unnecessary markup? This markup is called Yield Spread Premium and is the difference between the interest rate the wholesale lender approves you and the rate your mortgage broker quotes you.

The biggest problem with refinancing your mortgage with a broker is that brokers are paid by commission; the more you pay, the better your brokers commission. The good news is that you can circumvent the brokers commission and avoid paying Yield Spread Premium when refinancing your mortgage. Homeowners who learn to recognize this unnecessary markup of their mortgage interest rate can negotiate to avoid paying it. You can learn more about refinancing your mortgage without paying too much by registering for a free mortgage toolkit.

To get your FREE Mortgage Refinancing Video Toolkit, visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this "Mortgage Refinancing Toolkit," which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com.

Get your free mortgage refinancing tutorial today at: http://www.refiadvisor.com

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Custom Truck Wheels

2007-08-26T16:36:00.000-07:00

Look around and you will see an increase in custom wheels used on trucks today. Less than 20 years ago trucks were just cargo hauling vehicles. In the early 1900s trucks were used primarily for local wholesale and retail deliveries. Today when we talk about trucks we are talking about light trucks. Light trucks include pickup trucks, minivans and full-size vans, and sport utility vehicles. Twenty five percent or more of all new vehicles sold are light trucks.

There is an huge amount of accessories that allow pickup truck owners to convert their weekday work horse to comfortable, efficient and enjoyable transportation. Accessories like lowering kits, lift kits, tonneau covers and custom wheels. Most of these accessories dont have to be practical, people just want to modify a truck to suit their life styles.

Custom Truck Wheels are one of the best accessories you can buy when it comes to improving your ride. Its important to make the right choice for your light truck custom wheel needs. Weather you own a regular cab, extended cab, 4X4 or 2X4 Chevy, Ford or Dodge truck, custom wheels can have a big impact on performance.

Shop on line and get the best price. Save even more on wheel and tire packages and have them shipped to your front door ready to install. On line merchants always know which custom rims will fit best. Find truck rims ranging from 15 inches to 26 inches. If you have a 4X4 they make them even bigger. Look for wheels on line marked RWD for rear wheel drive.

If you have been thinking of restyling your truck lately, start with custom truck wheels. Replacing your wheels will make your truck look sportier while enhancing handling and ride quality when matched up with a new set of tires. We recommend Alcoa wheels, American Racing and Weld wheels for that eye catching look. These manufactures have been stealing the hearts of truck lovers everywhere for years.

Steve Farber is an author and web site publisher on custom wheels including custom truck wheels and car wheels. Read articles and reviews on the top 60 custom wheel manufacturers in the market today at http://www.custom-wheels-n-rims.com and http://www.just-spinner-rims.com

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Purchasing Fire Alarm Systems

2007-08-26T15:44:00.000-07:00

While everyone would agree that the installation of fire alarm systems in a place of business or in a personal residence is a wise idea, there are still those that resist purchasing an alarm system. While these people will come up with a ton of excuses as to why they do not need an alarm system, virtually none of these reasons hold any weight. These reasons become even more silly when viewed in light of the reasons why a fire alarm system is an important thing to have installed.

The main reason that fire alarm systems should be installed in a home or office is because these alarm systems will save lives. When a fire breaks out, it usually escalates quickly if the fire is not put out within minutes after it starts. If a small fire occurs in the kitchen and it is not extinguished immediately, the fire will spread and engulf the kitchen. In a short span of time, it may engulf the entire house. Needless to say, this jeopardizes the life of anyone who happens to be in the home. If a fire alarm system alerts the occupants of the home when the fire starts, then the ability to put the fire out quickly is greatly increased. Even if no one is able to contain the fire before it spreads, the alarm will at least alert all occupants of the fire and allow people to evacuate the premises before it is too late.

Some will say that price precludes them from purchasing any kind of fire alarm system. This is silly. One can purchase an alarm on credit if cash is not available. Also, whatever money one pays for fire alarm systems is essentially an insurance policy that protects an untold amount of monetary damage will be incurred if a home or business burns to the ground.

Others will say they are unable to install fire alarm systems. Again, this is a straw man argument. Most dealers will install any fire alarm system that has been purchased from them. In fact, there are many dealers who will install the fire alarm system for free. Some of them will even provide follow up maintenance in certain cases.

There is really no reason to avoid having an alarm system installed. Find a fire alarm system that serves the purposes that are required, purchase it and have it installed.

For vital information on all things concerned with Fire Alarms and Home Security visit Fire Alarms Systems

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Fast Product Creation - 6 Important Steps to Product Creation

2007-08-26T13:44:00.000-07:00

The world has never ceaseed in coming up with demands to make everyday life easier and more comfortable. This is the reason why businesses cannot stop in producing new products to meet these growing demands. If you are thinking of creating a product but just don't know where to start, this article is definitely for you! The following are proven tips that will help you succeed in making your products:

1.Do a market research. Identifying your target market and their needs is the first step you need to take before creating your product.

2.After you have identified the needs of your target market, identify the resources available, the amount of time you need to finish the product, and its packaging.

3.Determine desired outcome. Goal setting is very important to realize the importance of your project. Set your objectives and use them as a guide in coming up with a product that will benefit your target market and subsequently bring success to you.

4.Set the deadline on when the product will be completed. Draw a timetable that indicates when a specific part of the process will be completed. This way, you can be assured that the product will be ready on the specified deadline.

5.Once you have the finished product, you can now advertise it using online and offline marketing campaigns to reach more people and get the exposure that your product needs.

6.Sell your product. Offer your product to your target audience to generate revenue.

Want to learn more about it? Download the free ebook, Steps to Article Marketing Success.

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Affiliate Marketing on the Cheap

2007-08-26T00:48:00.000-07:00

You've looked at all sorts of work-at-home business opportunities and have decided that affiliate marketing best fits your needs and desires. You know that you have to spend money to make money, but either your budget is very tight or you have decided to not spend a lot of money until you get your feet wet as an affiliate.

As a general rule of thumb, if you spend your money wisely, the more you spend, the less time it will take to start making money.

How do you get the most return for the least money spent? The good news is you can make money in affiliate marketing without spending one red cent.

You will need to establish a web presence and you can do that for free.

The easiest way, in my opinion, is to open a ClickBank account, choose a product you wish to promote, and get your hoplink. It's not actually "your" web presence; it's a link to the vendor site you are promoting, but you can be up and running in less than 5 minutes.

I highly recommend starting a blog. Your ISP may offer free blog space or you can create a free blog through sites such as blogger.com. There are templates available, so you don't have to know HTML, and you can be set up in a very few minutes. You can begin to establish your credibility in your niche by posting articles you have written. Search engines spiders will sniff out your content and your pages will be indexed on Google, Yahoo, et al.

To go beyond these, you will probably want to establish your own website, and this will cost you money and time. You will need a domain name and website hosting. This can be done relatively cheaply by shopping around.

You will then need to build your site. If you know HTML you can do it yourself for free, but it will take time. Or you can use website building software, such as Dreamweaver. These packages range from relatively inexpensive to quite expensive, depending on their features. They are timesavers and they can help you turn out a high quality website, but as I mentioned before, you are trading money for time.

Another option is a turnkey "Internet business in a box" solution such as Simple Money Machines (I am an affiliate for this product). They take care of the domain name, website hosting, website creation, email autoresponder and all the technology stuff that would cost you a great deal of time or a lot of money or both if you did it all yourself. The cost is nominal for what you get, and you can literally be up and running in 30 minutes. Give it a look by clicking on the link at the bottom of this article.

Once you have your web presence you will have to advertise to get traffic to your site. This also can be done for free or for very nominal cost.

I am a big fan of article submission. You can write articles, such as this one, and submit them to distribution services that will publish your articles for free. Webmasters are always looking for good content and they comb these sites for relevant articles. Yours will be picked up and distributed widely. If readers find your articles credible, they will click on the affiliate link at the bottom of your articles and visit your affiliate site. This takes time and multiple articles, but eventually momentum does build. An often overlooked upside to article submission is that once published, your articles will be on the Internet for a long time and many months from now someone could read one of them and click on your link.

If you like the idea of article submission but don't feel you have the talent to write high quality articles or you don't have the time, there are services that will create articles for you. Shop around and you can find some very reasonable prices. These articles will be yours to copyright and publish as you see fit.

Advertising through ezines is also an effective way to drive traffic to your site. Costs vary depending on the size, placement, and duration of your ads, so you should be able to find something that will fit your budget.

Perhaps the highest profile advertising but potentially the most expensive is pay-per-click. If you don't know what you are doing, it can eat up a lot of money very quickly with very little positive result. A good place to get your feet wet in the PPC world without breaking the bank is miva.com. Once you set up an account, the initial cost is $100.

Affiliate marketing is a vast arena, and obviously I've just barely scratched the surface. The main point I hope you take away is that if you do your homework and research carefully, you should have no problem being successful as an affiliate marketer on a limited budget.

This article may be freely reprinted or distributed in its entirety in any ezine, newsletter, blog, or website. The author's name, bio, and website link must remain intact and be included with every reproduction.

Dale Hearn has been a software test engineer for over 19 years and a denizen of the Internet since the early 1990's. Visit http://simplewealthbuilder.smmsite.com/ for information on a step-by-step program that works for him.

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Where to Get Cheap Dubuque Auto Insurance

2007-08-25T22:57:00.000-07:00

Iowa has some of the lowest auto insurance rates in the United States, which is good news for Dubuque residents looking for car insurance. Even so, insurance costs can vary widely from one insurance company to another and you want to make sure you're getting the cheapest rate possible. To save on your auto insurance, follow these tips:

Drop Extra Coverages You Dont Need

You may be paying for insurance coverage you never or rarely need, such as towing and rental coverage. Consider dropping these extra coverages to lower your insurance rate.

Depending on the age of your auto, you may also want to drop your comprehensive and collision coverage. Most insurance companies recommend dropping these coverages if your auto is more than five years old.

Get All the Discounts You Qualify For

Insurance companies offer a variety of discounts that will lower your auto insurance rate. Ask your insurer if you qualify for any of these discounts:

* Multi-policy discount

* Multi-car discount

* Good student discount

* Good driver discount

* Anti-theft discount

* Safety features discount

* Low mileage discount

Also ask your insurer if there are any other discounts you might qualify for.

Shop Around for the Cheapest Dubuque Insurance

You comparison shop for other major purchases, and at upwards of hundreds of dollars a year, auto insurance certainly qualifies as a major purchase. If you dont shop for the cheapest insurance rate, you're probably paying too much.

To make your comparison shopping easier, visit an insurance comparison website. Once you submit your insurance information, multiple A-rated insurance companies will give you insurance quotes and you can then choose the cheapest rate. On the best of these websites, you can even talk online or by phone with insurance professionals to get answers to your questions. (See link below.)

Visit http://www.LowerRateQuotes.com or click on the following link to get Dubuque auto insurance quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on Dubuque auto insurance.

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Good Reasons For Getting That Remortgage

2007-08-25T21:57:00.001-07:00

1. Save money by paying less interest.

Your mortgage is probably your largest debt, so you want to get the best interest rate possible. Interest rates may have gone down since you first purchased your home. You may have improved your credit rating. You may have improved you income enough to qualify for a lower interest rate. A lower interest rate reduces your monthly payment amount. It can also be used to shorten the term of your loan.

2. Get cash for home improvements, university fees, or other needs.

Need cash for home improvements, to start or expand a business, or to pay off credit card, car, or other non-deductible loans? If your home has increased in value, you can use a remortgage to get extra cash.

You could increase your loan amount, giving you cash that you can use any way you want. And since your interest rate is lower, your monthly payments often stay the same or may even drop, depending on how much cash you get out.

3. Consolidate high-interest debts into a new home loan.

Credit card debt, car loans, bank loans if you have high-interest debts, you can consolidate them into your mortgage payment when you remortgage. The advantage of consolidating your debts into your home mortgage is that not only are your interest payments lower, but they are also tax deductible.

4. Adjust your mortgage term.

When you remortgage your home, you can take the opportunity to change your mortgage term. Maybe you originally took out a 15-year mortgage, but want to remortgage to a longer loan term so you can have more cash each month. Or maybe you want to reduce your mortgage term from 30 years to 15 or even 10 years, and get your mortgage paid off more quickly.

5. Change your type of mortgage.

One of the biggest reasons for remortgaging is to switch from a fixed-rate loan to a variable-rate loan or to switch from a variable-rate loan to a fixed-rate. (With a fixed-rate loan, your mortgage payments are always the same, while with a variable one, they vary over time.)

If you plan to stay in your home for five years or less, you can save money by remortgaging to a variable-rate loan, because interest rates usually start out lower for these loans. On the other hand, if you already have a variable-rate loan and the interest is higher than the current fixed-loan rate, it can save money to remortgage with a fixed-loan rate.

6. Eliminate private mortgage insurance.

Are you paying money every month for private mortgage insurance to cover your mortgage payments should you become redundant, have health problems, or are otherwise unable to make your mortgage payments?

The sooner your mortgage is paid off, the sooner you can save that money. Remortgaging to a shorter term means you get your mortgage paid off sooner and can drop your private mortgage insurance.

T. O' Donnell http://www.ttremortgages.co.uk is a licenced credit broker based in London, UK.

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HR 1876 May Give Homeowners in Foreclosure A Much Needed Tax Break

2007-08-25T21:29:00.000-07:00

Homeowners facing foreclosure in California have approximately 120 days from the Notice of Default (about 4 months) in order to resolve their outstanding mortgage debt. When a homeowner finds themselves in this situation, the most proactive step a homeowner can do is to act in a timely manner to get a realistic look at what their options may be. There are many choices that a homeowner can choose from in order to best reduce the overall loss during the stressful financial situation they may find themselves in; however, denial shouldnt be one of them.

In the slew of options that are available, there is a little-known transaction known as a "short sale" which to some homeowners in foreclosure may seem like a dream come true. Short sales occur when a lender allows a homeowner in default to sell a house for less than the total value of the loan. In many cases, the lender then forgives the remaining portion of the debt. But before a homeowner who finds himself in foreclosure gets too excited about what seems like welcome debt relief there is a catch.

So what's the catch? Lenders may claim whatever debt they've forgiven as a loss on their taxes and issue a 1099 form to the homeowner; in this case the seller, for the total amount. In other words, the forgiven debt is taxed as earned income and depending on the loss and the homeowners (and potential sellers) tax bracket it could mean a significant increase in their taxes.

A homeowner should definitely check with his accountant for this information. On the other hand, if a property is sold under a short sale, the lender may require the buyer to make up the difference, either through a personal obligation or a collection for the remaining balance often referred to as a deficiency judgment. According to Barrons banking dictionary, the definition officially is "Court order authorizing a lender to collect part of an outstanding debt from foreclosure and sale of the borrower's mortgaged property or repossession of property securing a debt, after a finding that the property is worth less than the book value of the outstanding debt."

However, while it has typically been a lenders practice to issue a 1099 form to the homeowner for the total amount forgiven, it is also true that every rule has its exception.

Reporting in the Santa Cruz Sentinel (Mar 2007) regarding foreclosures in the Santa Cruz area, the reporter referred to a bill that is currently being reviewed by the house Ways and Means Committee in Washington D.C. If passed, this bill will bring welcome tax relief to those homeowners who are currently in foreclosure.

To give borrowers who are over their heads a break, Rep. Robert Andrews, D- N.J., and Rep. Ron Lewis, R-Ky., proposed HR 1876 in April. If the Mortgage Cancellation Relief Act of 2007 is passed and signed by the president, borrowers would not have to pay income taxes when their lender forgives part of their mortgage in a short sale or in a foreclosure. Current law treats the cancellation of any debt as taxable, even though the borrower experiences a loss and receives no cash. The bill is being reviewed by the House Ways and Means Committee.

So, it would follow that a homeowner should check with their tax accountant to see if any modifications have been made regarding this law and then, he or she can make an informed decision in pursuing a short sale. With the increase of foreclosures, it may be that this bill may pass and give the proposed welcome relief to the many distressed homeowners in foreclosure.

Nef Cortez has been a licensed real estate broker and has held various positions in the real estate and mortgage industry for over 25 years. If you would like to read more of Nef's timely advice (with the latest FREE info on local foreclosures), visit his website at Chino Hills CA Real Estate or read his blog at A Slice of So Cal Real Estate

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Forex Trading Education Tip - Mind Power for Success

2007-08-25T19:28:00.000-07:00

Are you ready for the ultimate tip in succeeding at the game of Forex? Are you ready for the Holy Grail of Forex Trading Education? Here it is! Its you!

You are the ultimate trading machine and your mind dictates whether you will find lasting success or join the vast numbers of traders who could not master themselves as Forex traders. Trading Forex online is a performance-orientated game. This is why so many draw analogies to professional athletes. Athletes have coaches and mentors. Athletes study their craft with fervor. Athletes train their mind so that peak performance at the most critical times are assured. Like athletes, Forex traders must play the game to win.

Here are 3 simple tips for keeping your mind over your money and driving success to your Forex trading activities:

1.Believe

Mastering your mind and removing obstacles starts in believing that you can actually do it. Everyone has the capability to become a successful Forex trader, if they first believe they can be. Most mentors would tell you to trade with no emotion. We are emotional beings and cannot exclude emotions from the equation. We can leverage our emotions to drive favorable Forex trading characteristics into our trading routines through our belief in ourselves and develop strategies for monitoring our less desirable characteristics.

Write down 5 powerful affirmations about yourself and repeat it first thing in the morning and right before going to bed in the evening. This will change your life forever!

2.Act As If

You must hone your skills as a trader through Forex education, trading, more Forex education and more trading. Trading is a process. Those searching for the path to quick riches are often the first to loss their trading accounts. You must practice to compete against the best traders in the world, because often they are the ones on the other side of your trade. You must put this undying belief into practice, by acting and trading as if you are already a great trader. When you face a moment of indecision ask yourself; If I was a great Forex trader what would I do? You will be surprised at the maturity of the answer that will follow.

3. There Is No Failure Only Feedback

You must have an unending commitment to excellence. You must also recognize that in the business of Forex trading losing trades are a part of doing business. Bad trades, they will put you out of business! Take the time to plan your trades and trade according to your plan.

Journal the details of your currency trade, from execution to physical energy to emotional reactions in both winning and losing moments, to gain insight into your trading persona. You personal trading journal will light to path to success.

Remember, awareness allow us to acknowledge a challenge and develop strategies to turn our personality into profit.

You must believe in yourself and your judgment if you expect to succeed at this game. The keys to success in the Forex market lie within each and every trader. Knowing the strategy is not enough, you must also know yourself and believe in yourself. If you dont, the Forex market is an expensive place to find out. Mind power training, coupled with Forex education and money management will provide your source for success.

ABOUT THE AUTHOR: Todd Judkins specializes in teaching real people how to trade the Forex market for long term success by focusing on strategic, mind and money skills. He is a currency trader, educator and success coach to traders. Are you now ready to take action? To begin training with Todd immediate, online Forex trading visit: http://www.forexjourney.com and sign up for his FREE WEBINAR and FREE Forex Webinar.

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Some Pros And Cons Of Owning Real Estate

2007-08-25T17:59:00.000-07:00

Pro: It goes up.
While other investments tend to fluctuate, real estate, especially in desirable areas, usually becomes more and more valuable. One thing that remains true of this country is that our population is steadily growing. Eventually, all of those millions of people are going to need places to live.

Con: It goes down.
Just as nothing is completely certain, whether your real estate will be as profitable as youd like depends on a variety of factors. Find out what you can about the area youre buying inscout out local businesses and talk to your potential neighbors. What good things are happening in your area? Are there aspects that worry you? Make a list. Also consider how long you want to be there. While flipping is possible, most of the time you need to be patient before your home sells for the amount youd like.

Pro: Your monthly payment is fixed.
Aside from taxes, which fluctuate every year, your monthly payment will usually be fixed. This means no landlords raising rent and no trying to calculate your changing home budget. In addition, your mortgage company will make all this painfully easy for you to pay on time, and most mortgage companies have convenient ways to pay online.

Con: Your taxes can go up.
If taxes in your neighborhood rise, thats a good sign your property value is rising too. Sit tight and be patientthe taxes are usually going to schools and roads and funds that will profit the community. If you can afford to pay them, then by the time you sell your home, the value of it will be high and your neighborhood well worth living in (or moving from, as the case may be.)

Pro: Tax benefits.
There are many tax benefits you can gain from owning a home. You can deduct most repairs, mortgage interests, and taxes. Talk with your accountant about these options, and save all your receipts from anything having to do with your home.

Con: You can be foreclosed on.
In the event you can no longer afford your property, the government can seize your home. Foreclosures are rare, however, and can be avoided by proper budgeting and by paying attention to your mortgage statement. If there is anything you are confused about, most mortgage companies offer friendly and helpful advice. After all, they have an interest in your interest, too.

Pro: You can actually enjoy and use your real estate investment.
Unlike cars, which depreciate with wear, and stocks, which you cant ever see or play with, your home can be a secure and enjoyable investment if you choose to live in it. You can tear down walls and paint the trim loud colors. You can open up ceilings and put a Jacuzzi in your master bath. You can sit on your new cedar deck in the mornings and watch the birds come flocking to your yard. You can make it messy or tidy it up. Its yours.

Con: Owning a house is not always easy.
Owning a home can be difficult at times. You might need to rewire a switch or replace a door knob. Youll need to keep up your yard and regularly maintain your appliances so they last longer. Keep a list of handymen handy, and every now and then check your roof, trees, and plumbing. Keep some money in the bank in case something does happen that insurance wont completely cover. Monitor your property carefully, and it will be worth your while when (or if) its time to sell.

Operating in Austin Escapesomewhere Austin Texas Real Estate operates as full service real estate company working in the central Austin Texas Real Estate market. If you are considered buying a personal residence or an investment property in the Austin market they can help you evaluate the different neighborhoods to find a match with your needs. Their website offers a free search of the Austin MLS and a mortgage real estate calculator

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Recent Developments in the UK Mortgage Industry

2007-08-25T15:59:00.000-07:00

In recent years, the UK mortgage industry has benefited from financial deregulation and also faced challenges from the unprecedented boom in UK house prices.

Financial deregulation means that there is increasing competition between banks, building societies and online mortgage lenders. The financial deregulation has also led to an increasing, and at time bewildering, range of new mortgage products

Most significant New Types of Mortgages

Current Account mortgages.

Current account mortgages are becoming increasingly popular because they offer homeowners the opportunity to combine their current account with their mortgage debt. They are particularly useful for people with large current accounts and who pay the higher rate of income tax. Savings in the current account are automatically used to reduce the mortgage capital. Therefore, this leads to lower interest payments.

Interest Only Mortgages.

Interest only mortgages, have also increased in popularity, partly as a result of rising house prices. This is because first time buyers struggle to get a mortgage, Interest only mortgages offer an option for making mortgages more affordable, especially in the short term. However, they rely on homeowners being able to invest in alternative schemes to pay off the capital at the end of the term. There are concerns that interest only mortgages are a quick fix, leaving first time buyers vulnerable to rising interest rates.

Self Certification mortgages.

Self certification mortgages enable people to borrow a certain amount without having to prove their income. They are primarily aimed at the self employed. The argument is that if people have variable income or have difficulty proving income, then self certification is a way to bypass the traditional lending criteria. However, there are concerns that the increased popularity of self certification mortgages are a way for people to borrow more than they really should. Given the rise in house prices, self cert mortgages have been a way for people to stretch themselves financially and borrow high income multiples. An investigation by the FSA into self certification mortgages found that mostly the system was not being abused. However, there was a necessity for banks to undergo more checks than previously.

The impact of Rising house prices on the UK mortgages.

House prices in the UK have more than doubled in the past 6 years. This means that mortgages payments have increased as a % of disposable income. This is the main reason why mortgage lenders have become more adaptable in changing their strict lending criteria. However, although lending has become less strict, there are still controls in place. Therefore, the UK is not facing the sub prime meltdown that is currently affecting the US.

R.Pettinger is a trained economist and manages a site about Mortgages in the UK. This site includes a guide to different types of Mortgages, the UK Housing Market and general issues of finance. http://www.mortgageguideuk.co.uk/

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Create a Sizzling Home Sales Flyer

2007-08-25T14:28:00.000-07:00

Did you know that the sales flyer is the most important tool in selling a house?

Even if your home is listed with an agent, check the flyer that your agent has created, to see if you can jazz it up. Examine it closely, to make sure that all your amenities are listed. For instance, a real estate agent made up a flyer for our home and forgot to list "waterfront property!"

Most real estate agents use a standard format for making their flyers. They list features, amenities, price, and contact information (usually with a big photo of themselves). But buyers don't care how beautiful your agent is! They want to know why your home is better than every other house in the neighborhood.

The one sales technique that most real estate agents fail to use effectively when they make flyers is listing BENEFITS. Like the sales letters you see on websites, a powerful selling flyer will concentrate on a homes benefits to the buyer.

Heres a sampling of possible benefits:

1. Enjoy your private park-like garden
2. Get the space you need to spread out
3. Live in a romantic hideaway
4. Sleep without traffic noise
5. Walk to schools, parks, and shopping
6. Seller will help pay your closing costs
7. Buy with no money down
8. Move in without having to paint or fix a thing
9. Swim in your own private lagoon
10. Enjoy your own personal luxury spa

Do you see the pattern? Each of the above examples features an action verb, followed by a benefit.

Don't underestimate the power of a strong sales flyer. Creating sizzling sales flyers that concentrate on benefits to the buyer will go a long way toward selling your home quickly, and for more money.

Cheers to your successful sale!

Professor Jeanette Fisher, author of Doghouse to Dollhouse for Dollars, Joy to the Home, and other books teaches Real Estate Investing and Design Psychology. For more articles, tips, reports, newsletters, and sales flyer template, see http://www.doghousetodollhousefordollars.com/pages/5/index.htm

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Carpet Installation Is No Easy Feat - Should You Engage Carpet Installers Instead

2007-08-25T13:53:00.000-07:00

Carpet installation is the process of laying the carpet on the floor. Easier say than done, this job is always advisable to be done by a professional, especially for large project like laying a large carpet. For a large carpet to be installed well it has to be stretch properly and there are many knotty gritty details to look out for.

If you insist on doing the carpet installation on your own, these are the things that you should look out for.

1. For even wear, the floor has to be perfectly clean and smooth. All loose floorboards must be fixed, planed or covered with plywood. All solid floors must also be level and dry.

2. With a rough solid floor, you can use a floor leveling compound to level it. With an even wooden floor, should cover it with sheets of plywood or hardboard, nail or stapled to the floorboards.

3. Before installing the carpet, leave them unwrapped for 24 hours to adjust to the temperature and humidity of the room this will ensure a better fit when you lay them on the floor.

When installing carpet tiles, these are the things to look out for:

1. When laying carpet tiles, calculated and measure the length and width of the room at its widest point and divided it by the tile size to find out how many tiles you need in the longest row. Remember to count any part tiles as whole tiles and to buy 10 percent extra to factor in for mistake in cutting, fitting or replacement.

2. It is highly likely that the carpet tiles to not fit the room exactly. Lay the carpet from the center of the floor outwards to the walls so that any part tiles end up around the edges.

3. To cut a carpet tile, a cutting board, a sharp cutting knife and preferably a steel ruler is required. Always cut the carpet tile from the back of the tile. Make one firm careful stroke, then bend and cut the tile along the cutting line. If the knife gets covered with the tile backing and becomes sticky, clean it with a cloth and mineral spirits to keep it sharp.

Carpet installation is not an easy task and should be left for a professional whenever possible, especially so if you want complicated carpet flooring designs to spice up your room. Professional carpet installers also have the proper tools to power stretched your carpets so wrinkling and rippling will be minimized. Nevertheless, if you choose to do-it-yourself, there will certainly be a sense of accomplishment when the job is done properly.

Moses Wright is the webmaster of Carpet-Solution.com. He offers more useful information on Carpet Cleaning, Carpet Choosing and Carpet Type that you can find online on his website. You can reprint this article if you keep the content and live link intact.

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Land Rover's Resilient, But Absent Defender

2007-08-24T23:41:00.000-07:00

Tracing its routes back to postwar Britain, Land Rover has been one of the most recognized names on the Australian outback, the African savannah, and in many other far flung places around the world. Since 1948, Land Rover has rivaled Jeep and Toyota in providing the most versatile 4x4 vehicles on the planet. Today, the Defender model continues to trudge on with important updates scheduled for the 2007 model year. Please read on to capture the essence of a brand that has admirably served driver and passenger for nearly six full decades.

Straight from the rubble of the Second World War, Britain was in need of a vehicle that could serve farmers, the military, government officials, and the like. Particularly in the hilly midlands of central England, not just any car would do in a bid to carry doctors, veterinarians, and military personnel on their rounds. If a road became impassable, no motorcar could be trusted to do the job. Enter Land Rover.

The first Land Rover is actually derived from the American jeep that saw duty throughout the war. Using a Jeep chassis, brothers Maurice and Spencer Wilks, both of whom worked for British automaker Rover decided that the Land Rover would go into production. Six decades later the company has evolved and changed ownership numerous times and the Defender, once offered for sale in the U.S., is no longer available in America.

Land Rovers decision to keep the Defender out of the U.S. market is hinged on one very important fact: the vehicle doesnt meet current stringent U.S. safety requirements. In particular, the Defender wasnt able to be fitted with front passenger airbags, a requirement mandated by the U.S. Department of Transportation. Because of the limited number of models sold in the U.S. and the big expense of preparing the Defender for airbags, Land Rover decided to quit importing the model in 1998.

Defender enthusiasts mourned the decision, but knew that given some time the Defender model would reappear in the U.S. For the 2007 model year many changes have been made, but not enough to bring the storied Defender back to the U.S. The current updates, although many, are seen as only interim changes before an all new Defender is expected to be marketed in 2010. That model just may meet all of the safety requirements found lacking in the current rendition of the Defender.

For 2007 the Defender will see the following changes according to the companys August 2006 press release:

--Introduction of a 2.4L common rail diesel engine

--A 6-speed gearbox for better off-roading and cruising abilities

--New front end treatment, better heating/ventilation, more comfortable seating

--The third row seat on the extended wheelbase model will be reversed to face front

Additionally, the Sport model will get the 3.6L V8 diesel now found in the Range Rover.

Alas, all of this good news does little for the American consumer other than perhaps encouraging them to remind their local Land Rover dealer that a road ready American Defender would certainly be welcome. With parent Ford Motor Company mulling the sale of both Land Rover and Jaguar, those changes are likely to come later, rather than sooner.

Copyright 2006 Matthew C. Keegan is a freelance automotive writer covering new products and current models. Please visit the Boost Fuel economy review to learn how you can improve your Land Rovers fuel economy. Check out Land Rover parts for all of your aftermarket and replacement part needs.

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