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    Free Essay
    9.2 of 10 on the basis of 1922 Review.
     

     

     

     

     

     

         
     
    Should You Re Finance

     

    One of the ways you can determine if mortgage refinancing is a sound idea for you is to use one of the many mortgage refinancing calculators available at finance sites on the Web. Mortgage refinancing advisability depends on several things. You have to look at your current rate of interest, the rate you might secure with refinancing, how long you plan to live in your current home, and the closing costs on the mortgage refinance. To fully understand the results of the mortgage refinancing calculators and the use they make of your information it is important to understand mortgage refinancing jargon. We've included some here. The first term is probably self explanatory. You'll hear mortgage refinance professionals refer to your original mortgage amount. This simply means the amount of the loan that you originally signed for when you first took out your mortgage. Appraised value is a term you'll hear frequently as well. Lenders are referring here to the value the professional appraiser put on your home when it was first purchased. The phrase current term in years means the number of years you were given to pay off your original loan. If you took out a 30 year mortgage your current term in years is thirty. Years remaining will come up in any mortgage refinancing discussion or calculation. It means the number of years you have left to pay on your mortgage. If someone asks for your income tax rate when they calculate your mortgage refinancing costs and options they want to know what rate of interest you paid to Uncle Sam last year when you did your taxes. The term calculate balance means to let the mortgage refinancing calculator determine what balance you have left based on the information you have given about the original loan and the years that remain on it. To let the calculator determine if mortgage refinancing is advisable for you you'll need to know what your home is currently appraised at or guesstimate this if you don't know and the balance of the mortgage. The calculator will assume you want to refinance the balance. If that is not the case – if you have funds from elsewhere that you are going to apply to the balance prior to refinancing then you'll want to subtract that total from the balance and indicate to the calculator that that new figure is your balance. You'll also have to have some idea of what new interest rate you are likely to get and then decide on the number of years you want to take to pay off the new loan. What is important to gather as well, is the loan origination rate. This is the percentage of this mortgage refinance balance that you pay the lender as his or her loan origination fee. In most cases, this is going to be one percent of the loan balance. The term other closing refers to any closing costs for the new loan. This will include appraiser and filing fees. Points Paid is an important term to know for mortgage refinancing calculations. It means the number of points youll have to pay to your lending institution to reduce the mortgage interest rate. Each point represents one percent of the amount of the new loan. PMI is an important term as well. It means principle mortgage insurance.



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    Beating Anxiety As You Climb The Corporate Ladder

     

    As they climb up the corporate ladder, modern corporate executives normally experience and try to deal with the modern social problem called anxiety. You might be making that “make or break” project presentation in front of the board, and you know that that is the time where you can make your first or maybe your last impression. You might be preparing to talk to a new, fresh batch of employees who are, by all indications, better trained than you and only lack the experience in the field. You might end up in a situation that is nowhere near similar to the above. And, ultimately, it won't matter because there are a million situations that could trigger performance anxiety. Now, being nervous and afraid is perfectly natural, but having performance anxiety is not. This distressful condition is not only confined to the problems in the boudoir. It is experienced by thousands of people every single day who find something to be nervous about. Nervousness is a reaction that can keep you alert and on your toes. Fear can help you focus on the task at hand, as well as providing you with something to take as a challenge. The average human psyche is capable of handling or adapting to both problems. However, performance anxiety is not something that you can deal with on your own, even under the most normal of circumstances. Performance anxiety takes fear and nervousness to an entirely new level. Once struck by it, people can even be psychologically crippled and lose their ability to competently operate on a social and professional level. Performance anxiety is something that can be overcome with the proper combination of prescription drugs and therapy. Anti anxiety drug options come in a wide variety, which provides people dealing with performance anxiety issues a wide range of options. While all drug variants, as well as most other drugs that a psychiatrist or doctor might prescribe, target the central nervous system, some medications can have therapeutic effects on more than one particular disorder. Benzodiazepine is one among many key ingredients of drugs concocted to control anxiety, though by no means is it the absolute core component. The relief obtained from drugs based on this particular family of compounds is often short term. On a positive note, this family of anti anxiety drug is quick acting and a good way to stave off an anxiety attack at the last minute. Certain barbiturates have also been said to act as similar to a benzodiazepine based drug and have longer effects than your typical benzodiazepine, but most studies show that barbiturates are also habit forming. In rare cases, a barbiturate is actually more likely to cause a person suffering from performance anxiety to form an addiction. For those interested in alternative medicine, there are a variety of herbal treatments that have been known to be used as an anti anxiety drug. However, more research still needs to be done to determine the balance between folklore and science to determine the real effects of these herbal treatments. As they climb up the corporate ladder, modern corporate executives normally experience and try to deal with the modern social problem called anxiety. You might be making that “make or break” project presentation in front of the board, and you know that that is the time where you can make your first or maybe your last impression. You might be preparing to talk to a new, fresh batch of employees who are, by all indications, better trained than you and only lack the experience in the field. You might end up in a situation that is nowhere near similar to the above. And, ultimately, it won't matter because there are a million situations that could trigger performance anxiety. Now, being nervous and afraid is perfectly natural, but having performance anxiety is not. This distressful condition is not only confined to the problems in the boudoir. It is experienced by thousands of people every single day who find something to be nervous about. Nervousness is a reaction that can keep you alert and on your toes. Fear can help you focus on the task at hand, as well as providing you with something to take as a challenge. The average human psyche is capable of handling or adapting to both problems. However, performance anxiety is not something that you can deal with on your own, even under the most normal of circumstances. Performance anxiety takes fear and nervousness to an entirely new level. Once struck by it, people can even be psychologically crippled and lose their ability to competently operate on a social and professional level. Performance anxiety is something that can be overcome with the proper combination of prescription drugs and therapy. Anti anxiety drug options come in a wide variety, which provides people dealing with performance anxiety issues a wide range of options. While all drug variants, as well as most other drugs that a psychiatrist or doctor might prescribe, target the central nervous system, some medications can have therapeutic effects on more than one particular disorder. Benzodiazepine is one among many key ingredients of drugs concocted to control anxiety, though by no means is it the absolute core component. The relief obtained from drugs based on this particular family of compounds is often short term. On a positive note, this family of anti anxiety drug is quick acting and a good way to stave off an anxiety attack at the last minute. Certain barbiturates have also been said to act as similar to a benzodiazepine based drug and have longer effects than your typical benzodiazepine, but most studies show that barbiturates are also habit forming. In rare cases, a barbiturate is actually more likely to cause a person suffering from performance anxiety to form an addiction. For those interested in alternative medicine, there are a variety of herbal treatments that have been known to be used as an anti anxiety drug. However, more research still needs to be done to determine the balance between folklore and science to determine the real effects of these herbal treatments.



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    A Marriage Of Crab And Corn Big Easy Style

     

    When many people think of beignets, they think of those wonderful, soft, pillow like pastries sprinkled with confectionery sugar, served at Cafe Du Monde in the Old French Quarter. As New Orleans gets back on its feet following Hurricane Katrina, I'd highly recommend a visit to the Crescent City to taste the real thing. In the meantime, here's a different twist on a New Orleans favorite that you can try at home. It'll have your family and friends saying, "Laissez les bons temps rouler." Ingredients: 4 cups LouAna Peanut Oil, for that nutty taste with no cholesterol 3 cups flour 2 cups milk 1 tablespoon baking powder 1 tablespoon seasoned salt 1 tablespoon garlic 1 teaspoon thyme 1 teaspoon Louisiana Hot Sauce 1 lb. lump crabmeat 2 cups fresh corn, cooked 1/4 cup parsley, minced 1/4 cup green onions, sliced Directions: 1. Heat peanut oil in frying pot until oil reaches 350°. 2. In a large bowl, blend together flour, milk, baking powder, seasoned salt, garlic, thyme, and hot sauce and stir until batter is formed. 3. Stir in remaining ingredients until all are incorporated. Be careful not to break up lumps of crabmeat during the process. 4. Drop batter by the spoonful into hot grease, being careful not to splash yourself. 5. Cook beignets for 2 to 3 minutes after they float to the top of pot, flipping occasionally. 6. Serve with your favorite dipping sauce. Yield: Approximately 2 dozen beignets.



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    Easy Egg Science Projects

     

    In this article we will look at some interesting experiments and science fair projects you can easily do with eggs from the refrigerator. You will discover that the common egg has some amazing properties you might not be aware of. There are a number of egg science projects you can do but I will mention just a few here to spark your interest. I'm sure you will be able to think of many more by using a little imagination. The Egg Drop Science Experiment For this experiment you will come up with a way to cushion an egg in a small container so it doesn't break when dropped from a certain height. You can use something like a small coffee can that leaves enough room for your packaging around the egg to protect it from the fall. You will need to do a little research to determine what might be suitable materials to keep the egg from breaking. Lots of room to experiment here for sure with different materials and arrangements of the egg in the container. Do all your drop tests from a set height such as six to eight feet. Also drop the container on the same surface each time to keep your results consistent. As always with any science project, keep records of what you did and the results of each drop test. The Crushing Strength Egg Science Project One very interesting feature of eggs is their strength. That strength though is very dependent on the orientation of the egg to the force or weight that is applied to it. So for this experiment you will determine if eggs are stronger lying flat or standing upright. You may also get an idea of how much stronger they are in one postion than the other. I think you will find this very surprising just how much a difference the position of the egg makes. What you will need for this egg science project: 1. An empty egg carton 2. Some books 3. A couple of small trash bags 4. Some tape 5. A scale to weigh the books(optional) Remove the top from the carton and place four eggs toward the center and in a rectangular arrangement. Leave a space between them on each row. Place a plastic bag on the table under the carton. Place the other bag over the eggs. Now start placing books on the eggs one at a time. Make sure they are even and don't tip over. See how many you can place before an egg breaks. Weigh all the books used if you have a scale. You now have an idea of their strength end to end. Test their strength lying flat: Place a bag on the table and make four loops of tape with the sticky side out. Place the tape on the bag in about the same arrangement as the eggs were in the carton. This is to keep the eggs from rolling around. Place another bag over the eggs and then start placing books. How many books did it take before an egg broke. Weigh the books if you have a scale. You now know whether eggs are stronger upright or lying flat. And you have an idea how much stronger they are in that one position than the other. I hope you enjoyed these experiments and use your imagination to develop even more interesting egg science projects you can do at home.



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    Spot The Ball To Win A Car

     

    1in3000.com has developed this popular form of competition and brought it to an online playing field. Each spot the ball competition is a game of skill and judgment where both the thrill of playing and the odds of winning are higher. 1 in 3000.com offers people who love to play games a chance to come together to test their skills in sports competitions with fantastic prizes. Taking part is easy, winning is a question of skill. Spot. Click. Win competitions use photographs of real games of sport to offer players a 1 in 3000 chance of winning one of our luxury prizes. From football fans to avid golfers, these competitions offer all sports enthusiasts the chance to win an out of this world prize and to choose from a variety of exciting prize level games. Try your skill, for example, at winning a Ferrari or Aston Martin in a Ј55 ticket level game or use your skills to win a luxury sports car from a Ј20 ticket competition. Playing the games is fun, exciting and easy and for the player with the best skills in each competition a dream prize is only a click away. The position of the ball must be deduced from the positions of the sportspeople shown in the photograph and perhaps where they are looking. The game was extremely popular in the UK in the 1970s & 1980s as part of newspaper promotions. Players would pay for a certain number of crosses on the picture, which was sent in by post to the promoter. Sometimes players could cover the picture with hundreds of crosses, and special stamps were manufactured which helped people fill in the picture with regular arrangements of crosses. Where several entrants had identified the correct area, a special high powered magnifying device would be used to determine which of the crosses was the closest.



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    Tips For Delectable Soy Smoothies

     

    Many people in today's busy world have found that a fruit packed smoothie made with soy milk is a good way to get essential nutrients when they're on the go. Research shows that soy milk is good for you and your family since it's high in protein, fiber and calcium. It's also a great choice for people who avoid dairy products. Many physicians, such as Dr. Alan Greene, a pediatrician at Lucile Packard Children's Hospital, recommend choosing foods made from whole organic soybeans. This is because soy milk made from whole organic soybeans contains all of the nutritional goodness of the bean as nature intended not concentrated or diluted. "Organic soybeans are not genetically modified and have been grown without the use of toxic pesticides or other toxic chemicals," said Greene. For your soy smoothies, try Organic Valley Soy, which is produced by families of organic farmers. Here are some tips for smoothie success. * To boost creaminess, freeze the fruit (except for citrus fruit). You also can add a few tablespoons of Organic Valley Nonfat Dry Milk Powder for a rich, creamy taste without the guilt. * For extra protein, add a handful of raw almonds. * Blend a few tablespoons of raw flax seeds for omega 3 fatty acids. Add a handful of raw sunflower seeds for your daily dose of omega 6 and omega 9 fatty acids as well as vitamin E. * Add liquids first and gradually add seeds and nuts and then frozen fruit. Liquid extracts (such as vanilla or almond extracts) go in last. * Serve or freeze immediately to retain the full flavor and nutrients. SUPER MAMA SOY SMOOTHIE (Makes 2 servings) 2 cups Organic Valley Vanilla Soy beverage 1/2 cup blueberries 2 medium bananas (peeled, sliced and frozen) 1 tablespoon flax seeds 1 tablespoon raw almonds Whirl all of the ingredients in the blender until smooth up to 5 minutes and enjoy! NU



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    Overseas Security Measures For Your Home And Family

     

    Identify the best housing available. An apartment house offers the benefit of close neighbors but also offers semi public access to the lobby and service areas, which is a disadvantage. If a separate dwelling is selected, attempt to locate one with high walls around it. Make your residence as burglar proof as possible by installing a burglar alarm system and using exterior lighting or even an exterior floodlight system activated by intrusion detection devices. Other safe guards include deadbolt locks on doors, key locks, iron grilles or heavy screens for ground floor windows, and care in securing both upper story windows accessible by trees, low roofs, balconies, etc., and unusual doors such as sliding glass, French, etc. Members of the household should be instructed not to admit strangers without proper identification. A peephole or small window aperture in a door where visitors can be observed prior to entry is recommended. Never leave the garage door unlocked. Consider having a watchdog inside or outside your house, or both. Give careful consideration to a request to be photographed or interviewed in your home. Be selective in what you permit to be photographed and what you say in any interview. If local police protection is available and protection appears needed, request a patrol through your neighborhood as frequently as possible. Where police patrols are infrequent or nonexistent, employ a private security patrol, perhaps in cooperation with neighbors. Arrange for your children to be escorted to and from school. Instruct school authorities that under no circumstances are they to be picked up by persons other than family members or specifically authorized people. Do not permit unaccompanied children to use taxis and public transportation. Have a security or background check of all household help. Do not discuss sensitive information, such as detailed travel plans for business dealings, within the hearing of servants. Instruct servants and members of the household about their security responsibilities. Emphasize that they are to admit no one without positive identification, to refuse information to strangers inquiring about your activities or whereabouts, and to accept no packages or other items unless they are certain of the source. Maintain a current list of emergency telephone numbers, and ensure that it is easily available at all times. Recognize that your telephone will possibly be tapped. Be most discreet on the telephone in discussing information concerning travel. Do not hand out business or home telephone numbers indiscriminately. Be alert to persons disguised as public utility crew members, road repair workers, etc., who might station themselves near your house to observe your activities. (In one case, a kidnaper disguised as a fruit peddler set up a fruit stand near the victim’s house.) Report such incidents to the police for investigation. Locate a neighbor’s or public telephone near your home and advise your household workers and family of its location for emergency use. Maintain friendly relationships with your neighbors. Avoid crowds and civil disturbances. Stay away from areas in which you have no business. Do not become involved in disputes with local citizens. If others initiate troublesome incidents, leave the scene as quickly as possible and report the matter to the appropriate authorities. At an appropriate time, discuss with your family what you want them to do in case you are kidnapped. Have your family affairs (i. e., insurance policies, vital documents, etc.) in order. Keep your passports, visas, medical and shot records current and in a secure place. Make all necessary emergency financial arrangements for dependents and designate an individual or office to contact in the event these plans must be implemented.



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    Why Winning As A Team Is The Only Way To Play Sports

     

    Ok so you have been on a few softball or soccer teams where there is one good kid who players much better then all the rest. Most of the games he/she carries the team and it is expected that he/she will raise to any occasion if needed. How do you deal with this as a coach? What is the reason for the team? To win right? That should be simple then. Play the good kid all the time. Wrong and here is why. We will take a not so big step from youth sports to military training. What do they have in common? Just about everything. Lets take a look at it more closely. They both have individuals of different abilities when they start. They have one goal. Many ways to achieve it. Rules to play (or fight as it were) within. They have to hang together to be effective. And they have to like one another. There are two aspects to a team. First its physical aspect. How fast it is. How strong and so on. Then we have the mental aspect. How well it can think. React. Keep it together. Deal with stress. You can train the first all you want but without the second you will have no chance at all to succeed. Why is this? Because we are only as good as we think we are. Allow me to illustrate with a story about children and flees. In South America children would put flees into a jar and place the lid back on. Once the flee started to jump it would bump into the lid of the jar. After only a few minutes the flee would stop jumping as high and just jump low enough to avoid the lid. At this point the flee was let out of the jar, but would never again jump higher then the lit had allowed. We are no different, we too react to limitations. We will not keep running into a locked door or try to walk on water. We learn very quickly from observation. it has long been thought that the military will break you down so they can build you up to be a robot that follows orders. That is a load of stuff for sure. Nobody is broken down ever. A broken soldier is worth nothing. A soldier who stops thinking he is better then the guy next to him, is. When you should a group of people they can do something they did not think they could, they bold through the positive experience. Don't get me wrong, they bond through negative too, but that is for another article. The power of positive. So let's say we have to show some year olds how to be a better soccer team. Would it be better to tell them what they did wrong or to tell them what they did right? Yeah, you got it. Stick with the positive here. So in order to get them on the right track, break down the task at hand and feed them a part at a time. In the example we are trying to show them how to pass the ball more effectively. What is involved in this? Well we have the ability to understand where to shoot the ball in the first place. To the open stop or right to the player. That would depend on some guide lines so take the simpler, pass the player. Next we have the act of kicking the ball straight and hard enough. Then we have the act of receiving the ball without it bouncing off our foot and away from us. Don't line up the group and ask them to pass one another. Why? Because you will have some kids who will ave played at home and can already do it and some that cannot. All you do is divide the team into the "can" and "cannot" groups. Fear that state, fear it with your life. Instead what you do is say, "We are going to play a new game". Make up some game that is allowing the players to perform the action you want to practice, but without the negative of "why do I have to, I already know how to shoot". This is not the time for individuals, this is the time for team. Now have all the kids do the game, make it simple enough so that they all can do it, but at the same time hard enough so that it actually helps them. Once you ave mastered this, move on to some other exercise that build upon the first. Again, keeping a keep eye out for making the whole team arrive at the goal together. All or none. Must be together. What you will have in the end of this is a team that thinks well of each other. Where gifted player had respect for the not so gifted player because they both can do what is required. The team also needs to learn that they only get to the end by arriving together. If you have any reservations about this, just remember that if it is good enough for the special forces around the world, it is good enough for you. They train as a team, they live as a team and they win as a team. Now go and build your team.



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    Warning Affiliate Marketers Pay Attention

     

    Copyright 2006 Willie Crawford A few weeks ago I started getting popup warnings saying that given sites were blacklist when I'd click on a link in my email. I'd then be asked if I was sure that I wanted to go to that site. Since these were sites that I knew to be reputable, I'd click "OK." In many cases, these were sites running special offers for Internet marketing products. After doing some research, and asking questions on discussion forums, I discovered something shocking. The most recent version of Pegasus (the email client) was apparently triggering these warnings when you clicked a link to a site listed in one of the blacklist databases. Further research indicated that Pegasus even went so far as to regularly check for updates to this database. Yes, the software running on your desktop, regularly updated itself by accessing a database of blacklisted sites. A surprising number of MAJOR Internet marketers' sites were in this database. These were sites that had a lot of affiliates who do “silly” things. Some of these were sites that had done major big ticket product launches recently. What caused the problem in the latter category above? Too many affiliates used the url of the affiliate program's site, and there were simply enough complaints to get given sites blacklisted. One of the problems with major product launches is that when enough people email for the same promotion, on the same day, then many people can get dozens of emails promoting the same product. This is especially true in the Internet marketing arena where some people subscribe to dozens... even hundreds of ezines. Some of these people out of frustration will file spam complaints! Some of the recent big ticket launches have offered 50% commission on $997 $1497 products. Those commissions are nothing to sneeze at! On top of that they often run affiliate contests that offer fabulous prizes. The temptation to get as many promotions out as possible, often using poor techniques, is simply too much for some affiliates! The solution to the problem caused by too many people emailing using the same affiliate program's domain is simple. First, make sure that you use accepted email practices (Don't Spam). Secondly, use a redirect url or a promotional domain. This offers some protection, in that if complaints are filed due to the massive promotions, the number of complaints against the affiliate program's url will be reduced. This also reduces the chances of YOUR email generating one of those dreaded "Blacklist Alert" popups when your link is clicked upon. There are side benefits to using redirect url's including the ability to change the destination of the url. If you become displeased with one affiliate program, and find a more suitable competitor, you can change where one of your redirect url's point to. Without this capability, once your links are in cyberspace, you lose control over them! There are many ways of setting up redirects, to include redirects coded into the header of a web page, java script redirects, and php redirects. I won't explain how to set all these up in this article. You can go to any search engine and find hundreds of sites explaining how to do this. There are also services, and pieces of software, that will redirect url's for you. My favorite technique is to use a promotional domain. You can purchase a domain, and then, without even building a website, simply redirect that domain’s url to your affiliate url. This takes less than 10 minutes to set up. You can purchase domains for less than $9 a year at: WillieCrawford. com/domains If you read through many of the more than 400 articles that I've written, you'll see that many of the links promoting affiliate products use promotional domains. This is because it work! Many people also think that affiliate url's look less professional. There are also some people who simply don't like the idea of YOU earning a commission off of their purchase. So when they see an affiliate url they simply snip off the end. This sends them to the base url, and you lose the commission. The customer still pays the same price, but they've just cut you out of a hard earned commission. I could give you a dozen other reasons to use redirect url's or promotional domains. However, I feel that just the problems mentioned above should suffice. One other consideration is, how do you think a potential customer feels when he sees one of those popup warnings? The title of this article begins with "WARNING." That's fully justified, because if you're not heeding the warning, you're losing a major percentage of your affiliate sales!



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    Need For Speed Carbon On Ps2

     

    If you still have not sampled any of the Need for Speed games on the PS2, then it is chiefly an arcade style racing game where you start off with one car and unlock more as you run through all the game's challenges. Throughout Need for Speed Carbon, you have to continuously build up your car buying upgrades to make you better able to edge out more challenging competitors. There are three classifications of cars to be used in this NFS game: Tuner, Muscle, and Exotic. Whichever you choose among these cars to drive, you'll eventually unlock other types of cars, which is apart from your starter type. So if you want a nice variety of cars in your collection, then that is possible. This version of the Need for Speed game on the PS2, as previous games on the series, is not difficult to learn and play. As you would have expected of games from EA, the controls are quite responsive. The only aspect where the game seems to be flawed is when trying to 'drift' round the Canyon Corners. As the cars shift too much, your car could end up mounting over the side of the cliff. Another thing that's worth mentioning is the button for the boost. If you play both Burnout and Need for Speed games, it is easy to mix up the controls for both this game. The L1 button is the boost button for Burnout, while R1 is for Need for Speed. Also, the controls for both these game series are quite identical, for the most part. This game features a wide array of artists included in this latest iteration of EA's Need for Speed franchise. This time around, the developers have created an atmosphere that will help players feel like they are truly part of the game. The atmosphere is attained not only through the songs played during the game, but through the sound effects as well. EA has focused all their efforts in making this game feel like a real racing event that they have used real life car models and recorded them accelerating, decelerating, doing slow and fast turns. Then they integrate this into the game, giving players the feel and illusion of driving a real car model on the track. This game also features some good Drift races that you can choose to partake in, but you may also wrap up an entire run without having to compete in even one Drift event for the entire time. Also worth noting is that Most Wanted is a much lengthier game which requires you to complete the Blacklist, contend with 14 bosses, while in NFS Carbon you only have to compete with 4 bosses all in all. For you to make this a truly rewarding gaming experience, you need to constantly improve your car. And to make sure that you have the best car possible, you can utilize the all new Autosculpt feature which enables you to customize your own car, as well as its design. You can let your imagination take over this one. Although lacking an online feature, you can't really take anything away from Need for Speed Carbon on the PlayStation 2. It has got all the right goods!



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    How Do I Advertise My Home Based Business

     

    So you have a home based business, now what? Who do you get started advertising? Where do you advertise? What is your advertisement budget? There are many factors to consider. The good news is that there are many options. Many people in network marketing advertise to their warm market (family and friends). But when you exhaust your warm market, you must rely on other forms of advertising. Many then seek out resources such as posting flyers and business cards in the local area. Others utilize advertising in local newspapers, which can be very expensive. I personally do not believe that the above resources are efficient or effective. The most effective way to advertise is to find free or low cost methods that will reach a large audience. The larger the audience, the better your results. When it comes to reaching a large audience, the internet comes to mind. Internet advertising can be targeted to specific cities, states, or even countries. Internet advertising comes in many forms. These include, but are not limited to using traffic exchanges and pay per click advertising. Traffic Exchanges and pay per click will be explained further below. I will discuss the two most effective traffic exchanges that I have found as well as one of the most useful tools on the internet for pay per click advertising. Traffic Exchange – List Joe A traffic exchange website receives website submissions from network marketers or business owners. These network marketers or businss owners will then surf other member sites in the traffic exchange program to earn credits. In return, this enables their sites to be viewed by other members through the surf system. This increases the number of website traffic to all the sites involved. List Joe Each is a very popular site used by many home based businesses. To open an account is free. Each new account comes with 100 free advertising credits. Your ad will not only be viewed by 100 people, it will actually be emailed to 100 people. Joining this service also directs you to join eight other list builders, which will increase your ad exposure. There are several options to upgrade to receive more advertising credits. To view details of the List Joe program go to: ListJoe. com/j/sandy407 Traffic Exchange – Traffic Swarm Traffic Swarm is another popular website which is also free to open an account. With each new account, you are given 100 free advertising credits. Just as with List Joe, this means that your ad will be viewed by 100 people. There is an option to upgrade to receive more advertising along with many additional bonuses. To see details of Traffic Swarm visit: trafficswarm. com/go. cgi?727106 Pay Per Click Google pay per click is the most widely used pay per click resource on the internet. When someone does a search using Google as their search engine, they will use any number of key words to do their search. If your key word or phrase is used, they will be led to your advertisement. But be careful! Pay per click can be very expensive if you are new to this form of advertising. One of the best tools I have found that shows you how to run a successful Google campaign is an ebook called Google Cash. For more details on Google Cash visit: sandy407.tnecc. hop. clickbank. net



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    What Are Mezzanine Loans

     

    An increasingly popular loan vehicle for commercial property, the mezzanine loan is similar to a second mortgage with a major variation. Rather than being secured by the actual real estate property, mezzanine loans are secured by the stock that is held by the company that owns the real estate. The real estate itself has already been used to secure the first, or primary loan. If the company fails to make timely payments on their mezzanine loan, the lender can foreclose on the property, seizing the stock. If the lender has control of the stock, the lender has control of the company and of the property or real estate. In fact, foreclosing on a loan that is secured by stock is much easier than foreclosing on a loan that is secured by real estate property. If the loan holder defaults on the mezzanine loan, the lender can take over the stock of the company. This means that the lender can sell the property although it would still have to pay off or satisfy the initial mortgage. This strategy provides a streamlined foreclosure that takes much less time than the standard foreclosure on a mortgage. Why would someone need to get a mezzanine loan rather than a conventional second mortgage? In many cases, the terms of the first loan preclude subsequent liens or second mortgages on the property. Hence, the mezzanine loan comes into play since it does not involve the actual real estate holding. It allows the borrower to have access to additional funds that would not be available otherwise. Typically, a mezzanine loan is one that is acquired for a large project such as an office tower, large shopping center, shopping mall, large hotel, apartment complex, or industrial park. Mezzanine loans are large loans that cover millions of dollars of debt. In fact, mezzanine lenders are often quite specialized in the specific type of loans that they offer. Therefore, it might be necessary to search for a lender specializing in loans for the specific venture that you are in. The first mortgage always takes precedence and the mezzanine loan always takes second place. For the borrower, one of the advantages is the ability to secure additional funds without the use of the property as security. The borrower can meet financial goals with the additional dollars provided by mezzanine loans. This would not be possible with conventional loans due to the terms arranged in the first mortgage. One of the advantages for the lender is the ability to foreclose at a quicker pace should the need arise. The mezzanine loan is a form of junior financing that has no claim whatsoever on the underlying real estate or property. The company or partners in the project pledge their interest holdings or stock as security. The interest of all holders must typically be pledged to the lender of the mezzanine loan. This practice guarantees that the lender will acquire full control of the stock or interest in the project should the loan default. Partial control could inhibit the ability to sell the property in order to realize the repayment of the loan. Mezzanine loans can be short term, long term, fixed rate, floating rate, amortized, or standing. In most cases, they are short term, interest only, and floating rate loan transactions. Additionally, this type of loan is generally used to borrow millions of dollars.



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