Every country and every region or state within those countries have rules and legalities regarding buying foreclosures. In the United States and parts of Canada the rate of foreclosures is still high leaving buying in a solid position an excellent opportunity to score a bargain. Buying a foreclosure in Calgary is a great means to create a real estate investment or buy a larger home without spending as much as you might when the market is up.
Get to Know the Market In Calgary
Calgary doesn’t seem to be experiencing the most dramatic real estate action of the western providences. This means terrific foreclosures aren’t going to simply fall into your lap. You’ll need to spend plenty of time getting to know the area and targeting certain neighborhoods or areas of town you’d like to relocate to. Wait newspaper ads and enlist the aid of a realtor experienced in Calgary real estate to help you stay targeted on what is coming on the market.
Arrange Financing For Your Foreclosure Purchase
While you wait for the perfect property, you’ll want to arrange financing. Calgary mortgages can easily be in place before you even bid on a property, and having the backing of a Calgary mortgage broker is a tremendous asset when viewed by the banks who are trying to offload the foreclosed properties quickly and easily. Having a ready buyer who is able to demonstrate proof of financing in a matter of days might be exactly what is needed to seal the deal.
Make an Offer On The Foreclosure
When the ideal foreclosure property comes on the market, move quickly. Most foreclosures are prices below the market value to ensure a quick sale. These properties are also usually sold “as is” making the price lower to accommodate the extra work and cost of a property that needs updating and repairs. Most foreclosures are sold by busy real estate agents selling properties in bulk for banks. To have your offer considered, you’ll need an experienced agent to push your papers through. Do your own research and offer a fair price. Prices that are too low will be discounted immediately and not even considered.
Once you have an offer accepted, finish up the details with your financing arrangements and have the home inspected. Expect problems of some kind in the home and expect to be out those costs in the purchase. Once all parties are satisfied with the deal, it will move to closing and the foreclosed home will be yours to start cleaning, fixing up and enjoying.
Easy Step By Step Instructions For Buying Foreclosures in Calgary
- VGet to know the market in Calgary to find neighborhoods to target for foreclosures
- Arrange financing in advance to make you a stronger applicant when you put offers on properties
- Make an official offer with the help of a real estate agent
- Follow though and finish up the deal
Warnings, Advice, and Suggestions When Buying Foreclosures
Don’t buy a foreclosure with hopes of flipping the house for a quick profit. The real estate market will be quite volatile for awhile making it unlikely you’ll be able to make a quick return on selling the home.
There are 3 ways to get indexed on MSN:
1. Direct Submit: To get indexed by MSN you can try a direct submission. With this you just enter a code from the picture and drop your URL and wait….and wait.
The problem with direct submission is that you end up on a list and eventually the spiders crawl your site but that crawl doesn’t come with any authority.
2. Work with My MSN: The logic here is that MSN pays attention to its own sites. Create an RSS feed of your navigation and add it to your account at MSN. You may need to create an account to do this but that just takes a few minutes. Then go to http://my.msn.com/ and click "Add content". Enter the URL of your feed where it says "Search for content". A message should appear stating that it is syndicated content from the web. Check the box next to the feed and click "OK". You will be returned to your main page with your feed added.
I typically change the details to display the maximum headlines (30) that are the maximum days old (356). This ensures that if MSN sees the content they can crawl and index it.
While you are there, go ahead and add your site to the "My favorite links" box.
3. Get Links: Just like all major search engines MSN loves back links. Links pointing to your site act as votes for its value. You can get free links through directories or press releases or sometimes just by asking for them. The more links you get the more likely the spiders are to stumble across your site and the more “authority” it gets.
Be sure to follow up once you have done the work to get indexed follow through to make sure it worked. You can check your server logs or analytics program for "msnbot/1.0 (+http://search.msn.com/msnbot.htm)". This means the MSN bot has hit your site!
Finally, to see which pages MSN has indexed do a site: check at http://search.msn.com. You can enter [site:www.your domain.com] or click “search Builder then select Site/Domain. You want “Find only web pages from this site or domain” selected then enter your domain and click “Add to search”. The command will appear in the search bar and you can then select “Search”. This will list the pages MSN has in its index for your site.
In today’s society, we as parents are limited on the methods or extent that we are allowed to punish our children. However, we are still responsible for our children’s behaviors. This can leave parents feeling extremely frustrated and often helpless. While not taking sides on issues that are better left to politicians, I am a strong believer that kids can learn from, and be punished for, negative behavior without the need to for physical punishment.
As a mother of 4 children I have faced almost every possible situation that would require me to punish one of my children. There have been times that they have tested my patience and self control.
I believe however, that they are as well behaved as they are in part because I have chosen to not use physical means of punishment. In fact, it is important to note that different behaviors warrant different punishments. For example: When my oldest daughter takes advantage of her cell phone privileges and calls her friends or accepts phone calls from her friends when she is suppose to be in bed, she loses her phone privileges. While if my youngest son were to run out in front of the street he would receive a verbal scolding and be put in time out.
The severity of punishment also depends on how many times an offense was committed.
The First Offense:
Let’s take the example of my daughter using her cell phone when she is not supposed to. On the first offense she will lose her phone for 1 day. Children are very intelligent and often explaining to them why they are not allowed to do something will prevent repeated offenses.
The Second Offense:
Kids are kids however, and if you are a parent you know that there are times when you simply cannot get through to your child on an adult level. In this example, increasing the duration of the original punishment will usually suffice. Removing cell phone privileges for 2 days or more can often “stress” the seriousness of your point of view. Be aware however, once you enter into this phase of the punishment, you are beginning a battle of wills. Children often “test” their parents and will not follow your rules simply as a way of contesting your authority. Most often they do not even realize why they are not obeying. This is yet another reason to avoid physical punishment if possible.
Regardless of the age of the child, removing an item or activity that they like for an extended period of time is punishment enough. My youngest child has special needs and for some children you will need to be especially patient.
NOTE: It is important to mention that during the second phase of punishment, consistency on your part is paramount. You MUST follow through with any warnings or threats that you have issued. This can be difficult, especially when it would be easier for you to “give in” to you child. For example: If your child has a birthday party coming up and you know that even if you tell your child that they may not attend because of something they have done, but you intend to let them go the whole time, you are not doing anyone, especially yourself, any good. If you tell your child that they cannot go to the birthday party, you need to have already decided that they are not going to go and expect them to beg, plead and cry when the day comes and stick to your guns.
The Third Offense:
The third offense is the most important and severe offense, requiring unique and inventive ways to punish your child. At this point, your previous methods of punishment have not worked and you need to think outside the box to find an effective way to impart the importance of being obeyed. All “testing” of the parent is done and this is the point where you put your foot down and take severe, but gentle, action.
Let’s refer back to the example of my daughter using her cell phone at the wrong time. At this point, I have expressed my expectations and demonstrated that not obeying my rules results in negative consequences for her. Having removed the cell phone for a few days at a time I have demonstrated that continuing the wrong behavior results in her losing the cell phone. For the third and FINAL offense I remove the cell phone permanently. All privileges are revoked and the cell phone is cancelled or sold.
It is important to note that the third offense is the last offense. Your punishment should reinforce that concept, removing the ability for your child to repeat the offense.
In time, your child will learn that once they reach the second offense, they had better not “test” you any further. You will start to see that, while they will continue to challenge your authority through the first offense, your child will rarely repeat the behavior a second or third time.
Again, it is important to mention how important consistency and patience are. Just as you are training your child to follow the rules you set, you must also train yourself to follow through and remain calm. You should NEVER lose patience with a child. Stick to your rules and punishments and over time, your child will begin to comply with your rules without thinking about it.
Your home is your biggest investment, and your most precious items, including your family, are kept inside it. You want your home to be secure and here’s how.
A Professional Security System
Have a professional come to your home to consult with you about a security system. A system can be as simple as wiring the windows and doors so you know when one opens to a system of motion activated cameras and sensors. A security system uses a keypad that lets you set the alarm in the evenings and while you are away. If a door is opened, the alarm will trigger, but a quick code will stop it.
If the alarm is triggered, but the intruder doesn’t have your code, the system will continue blaring letting neighbors know something is amiss. You can also have your security system monitored by a company. With security monitoring, a company will call your home after a set amount of time following an ongoing alarm. If you turn the alarm off in less than two minutes, the company will assume you are present and all is well. If, however, the alarm goes on for more than two minutes, the company will call your home.
If there has been some sort of honest mistake you can let the company know and they may be able to stop the alarm remotely with a pin or password. But if you don’t answer the phone or claim you need assistance, the monitoring company will immediately alert authorities to come to your home and investigate.
Some of the best ways to protect your home are to keep intruders well away from it. A privacy fence and locking gate will help to provide a buffer around your home. Backdoors and sliding doors are often less protected than front doors, so a locking gate will help to keep intruders away from these more vulnerable access points.
A camera and intercom system at your front door will allow you to see visitors before you approach the front door. The intercom will allow you to speak to them without having to crack the front door which might allow an intruder to force his way inside. Driveway alarms can signal when a car or person has entered your property giving you time to inspect your visitor for any suspicious signs.
Even the best security system is worthless if you fail to use it correctly. Set your alarm, maintain your monitoring service, and be sure you always close and lock all gates, windows and doors. Keep your car doors locked as well as these are easy access points and be sure to periodically test your alarm as well as all locks to see if anything has come loose or broken.
If you can write a letter or an email, then you can probably write an ebook. The most important thing to remember about the ebook market is that it is based upon information. An ebook which informs its reader is a successful ebook – you don’t have to be a literary genius, you merely need to either have knowledge or experience you can communicate, or else you need to be able to find some knowledge or information on a subject and communicate that. The best tip is: don’t think of yourself as writing a ‘book’, since that idea seems to intimidate people, think of yourself as writing an informative email; or a series of informative emails.
Think of someone you know who you write easily to then just think of yourself as writing to them. Maybe even write to them – you could always ask a friend if it’s ok to write and tell them about your subject, then do so and use those emails as the body of your ebook. The main point here is: if you can write atall, and you can communicate information, then you can write an informative ebook. It is that simple.
The length of an ebook depends upon the information you are putting in it. There’s no strict length – although if it’s only a few pages then it may be better to call it a ‘report’. The important point I shall stress again is that it is informative to the reader. The reader is the one who pays for this information, if they finish the ebook and feel as if it has informed them, then they are a happy reader, if not, then not. An ebook could be as short as one page if the information on that page were worth the price of the ebook. So decide hat the information is that needs to go into the ebook, and write it for as long as that information is adequately communicated. Sure you can fill i8t out a bit with ‘chat’ but not too much. When ‘chat’ becomes ‘fluff’ readers become impatient – even if the ebook is informing them. If the ebook isn’t informing a reader and they think it’s full of fluff you will have a refund request on your hands and a complaint.
The main principle I am going to stress is ‘delivery’: that is, the delivery of information. This means everything from sitting down to write, to producing your ebook in a finished readable and downloadable format. What is the best, simplest, clearest, most accessible way of delivering this information to the reader?
First, decide what information you are going to deliver to the reader, then write that ebook. Don’t worry, initially, about how many pages it takes up – do your research and decide what to tell your reader and how to tell it. If you think the clearest explanation will include graphs or pictures, then include them, if you think the clearest description requires a step by step tutorial then write it. Deliver the information that the reader wants and expects and they will be happy.
When I wrote earlier about ‘fluff’ I was talking about additional ‘chatty’ or superfluous text which didn’t add to the reader’s enjoyment or experience in any way. I will now say it also includes unnecessary decoration or ‘over-design’. This is a rule for information ebooks as much as it is for any other book – don’t add unnecessary decoration in the form of decorative type faces, multiple colours, coloured backgrounds, borders, unrelated or vaguely related images or anything else which isn’t directly contributing to the communication – the delivery – of the information. If the information is well researched and informative then that is the product and any thing extra just gets in the way of the delivery of that product, and that includes distracting backgrounds and borders and coloured decorative typefaces. All an ebook needs is readable text and informative headings.
Remember also, that just because an ebook can be increased or decreased in size, it doesn’t mean that the size of your text doesn’t matter; it does. Do not be tempted to use big text with wide spaces between the lines to make your ebook appear to have more pages. This gets in the way of the delivery of information. Do not, either, make the text small to give the impression of good value by filling pages upon pages with fine text, this also gets in the way of the delivery of information. When deciding upon the text size and spacing there are two simple things to consider: one is that the reader may print out the ebook and will, therefore, require each page to be formatted to print, without any additional formatting, on an average A4 letter sized page. And the second thing to be aware of is that the ‘optimal’ reading text is about twelve words per line.
‘Optimal’, in terms of reading, means that the reader’s eye is most comfortable when there are about twelve words on each line. If lines are too short then the eye is constantly jumping down to the next line and concentration is lost. If the lines are too long then the eye will often ‘lose’ it’s place in the middle of all the text, and find it difficult identifying the next line down due to the distance between the end of one line and the beginning of the next. If you have taken your time writing an ebook and filling it with good and relevant information, if you have delivered the information in the text then you need to back that up by putting it in the optimal format. For an ebook that tends to mean about 14pt text with about a 1.2 to 1.3 line spacing. One and a half line spacing is far too wide and makes reading uncomfortable. Single line spacing is acceptable but if you want to hit the optimum then go for a little extra.
Finally, don’t put in any blank pages or massive white spaces – this looks bad on the screen, and uses up paper when an ebook is printed out. It won’t, by itself, lose you a sale, but it doesn’t deliver a good experience. With these simple points in mind all you need to do is convert your document to a PDF and you have your finished ebook ready to satisfy your customers.
Keeping a spiritual journal is something that is usually associated with Bible study. An online search of the topic will pull up a plethora of Christian resources. The intent of this article is to offer suggestions which anyone of any faith can use to begin a habit of keeping a spiritual journal.
The only tools you will need are a place to record your thoughts and some form of sacred text. I would encourage you to be open to rethinking the traditional interpretation of"sacred text." Most people, when you ask them what a sacred text is, will being listing books such as the Bible, the Quran, the Tao Te Ching, et al. Yet most people can recall moments of epiphany which occurred when not reading the typical sacred text.
The lyric of a song that touches the heart deeply, a quotation from a movie that has a profound meaning, a painting, a sermon, even the forwarded email that has already been read by hundreds of people before reaching your in box can be experienced in a spiritual way. In other words, do not limit your definition of how you will receive sacred messages.
How you keep your spiritual journal is completely up to you. Whether you choose to write it out longhand or write it out on a computer will depend on what makes you feel most comfortable. What you include in your journal should be as unique as you are. I offer a list of things you may or may not incorporate:
Most faiths have some form of prayer or meditation practice, a way for the individual to reconnect with the sacred. A Prayer Journal can be kept to record requests made and answered. A Meditation Journal can be used to track the length or type of meditation as well as any messages the practitioner may have received. Once again, I want to encourage you not to confine your definition of prayer and/or meditation to the times when you consciously quiet yourself for these moments. You may find yourself thanking God as you drive in your car for a near miss on the road that kept your from being involved in an accident. Or you may find yourself having a transcendent moment when you see a beautiful sunset. While you may not be in a position to immediately record the experience, you can try to remember to write about it later, when you are able to do so.
As stated previously, how you receive spiritual messages will vary. You may read something from a book, hear something in a poem or song, find an interesting quote in a movie, television program. How and when you hear the "still small voice" is not something you dictate. That said, making a habit of going to some form of sacred text to read these messages is a discipline that is well worth the time and effort. This may include your sitting alone with a book, reading and taking notes, or listening to a teacher in some form of public gathering, on video or even recordings. The key is to make it a habit, whether it be daily or weekly. Those who make a habit of listening will find themselves hearing more messages beyond the time set aside for receiving them. It is not unusual for someone who has made a habit of recording messages they receive to find themselves to receiving more at different times and not only when they themselves are sitting down in order to receive them.
Finally, you may find yourself communicating with another person and say something that is surprisingly wise, something you may even recognize as being beyond yourself. As always, be aware that this can happen at any time: during a conversation, in a letter or email, even during a chat. Although you may not always be able to write about the moment in your journal at that precise moment, you can always record what you remember at a later time. You may even be able to jot down a few key words or phrases on a napkin or notepad you carry with you. Later, when you have some quiet time to write in your journal, do so with as much detail as possible. Try not to wait too long because it is easy to lose the immediacy of the lesson if you procrastinate. It is always best to make the time then hope you will find it later.
This is just a small sampling of what you might choose to do in your own spiritual journal and is not meant to be inclusive. As you can see there are no rules as to what you can or cannot include. The only rules I ever consider imperative for Spiritual Journaling are as follows:
Date all entries.
If you do not keep any other form of journal you may want to include a brief summary of your life or the day’s events. This is especially useful for the Prayer/Meditation Experiences section as well as Lessons Given. These extra notes can offer surprising insight to your spiritual growth when you read these entries later, whether it is a year or even a decade after the entry was originally written.
Record the source.
When journaling about messages received be sure to give credit where credit is due. If you are listening to a teacher/preacher, write down the person’s name and even the location when the teaching was given. If it is a recorded program, whether audio or video, you may not know the specifics but do the best you can with what you know. If the message is drawn from a text, whether a book or movie, poem, song, write down the title, author (scriptwriter, lyricist), and page number where applicable.
I can say, with the utmost confidence, that if you choose to make a habit of recording your responses to spiritual experiences you will not only be able to trace your journey and growth but will find yourself having deeper and even more frequent experiences than before. Making this commitment to yourself will have benefits beyond your expectations.
Workers’ compensation is a form of insurance mandated through your state to reimburse you for injuries sustained while at work. It doesn’t matter who is at fault for an injury in most applications for workers’ compensation. If you’re hurt on the job, you most likely quality, and here’s how to file for workers’ compensation.
Report the Injury
If you’re injured at work, you must first report the injury immediately to your supervisor. While it’s not illegal to hide the injury, it is bad faith and may cause problems when you file for workers’ compensation or if you pursue other forms of compensation at a later date.
Complete the Form
Every state has a different form to be completed, so speak with your employer or look online to find a copy of the form necessary for your state. Fill out, or have the form filled out by an authorized representative, as soon as possible. Sign and date the form and be sure to retain a copy for yourself.
Delivery and Acceptance
Personally deliver the form or have it sent by certified mail to your employer. Keep all records of delivery as they may become necessary should your claim be litigated. Under your state law, your employer will have a set amount of time to accept or reject your claim. Expenses incurred during the decision making process should be covered.
When he accepts it, your employer will complete his section of the form and send it on to the insurance company to arrange compensation. The insurance company should notify you within about two weeks, so be sure to follow up with the insurance company if you don’t receive a letter about your claim status.
If Your Claim is Denied
Once your claim is accepted, in most instances, you’ve forgone the right to sue your employer for the injury. If your employer denies your legitimate claim or fires you because of your injury, speak with a legal representative to determine your exact rights and pursue other legal avenues to obtain the compensation you’re entitled to.