Tuesday, March 31, 2009

The Investment Real Estate Corner: Like Cats And Dogs!

When you?re ready to sell your home, your agent will inform you how to successfully price, present and market your property; but some ?family members? may be left out of the loop, completely unaware of the process and feeling the attendant anxiety. No, it?s not your kids, but your pets.

Unfortunately, there is no way to communicate to your pets what to expect during a showing, and sometimes their barking or jumping or hissing or scratching can be a real turn-off to otherwise enthusiastic and qualified buyers.

We know that our animal companions are creatures of habit, and strangers visiting your home can be very stressful. How do you successfully show your home and protect your pets at the same time?

The ideal solution, especially early in the listing when you can expect multiple showings, is to board your pet (there?s even daycare!), or have a trusted friend or family member baby-sit your pet at their home. This can involve effort and cost, but it?s ultimately safer and less stressful for your pet, while insuring your home is shown under the best circumstances. If this is just not possible, consider a large comfortable crate in a room with a television or radio.

Finally, keep pets, bedding, furniture and carpeting clean. Take a few steps and plan to make buyers and pets more comfortable during showings.

Understand how I help doctors, business owners, professionals, and investors MAXIMIZE THEIR WEALTH through APARTMENT INVESTING and Income Properties and KEEP IT SAFE by using mortgages and investment insurance MORE EFFECTIVELY! Visit http://www.KendallMatthews.com

Monday, March 30, 2009

Vermont Mortgage What to Expect When Buying a Home in Vermont

Maybe you?re buying your first home in Vermont, or perhaps you?re relocating to Vermont from another state. Either way, it?s important that you educate yourself on Vermont home loans before shopping for a home and mortgage. This article explains what you?ll need to know before buying a home in Vermont:

The median price of a home in Vermont is $111,500. Recently, homes in Vermont have been appreciating at rates above the national average. As a result, income levels in many parts of Vermont are too low to purchase a median-priced home with a conventional loan. In fact, homeowners in many Vermont cities pay more than the recommended 30% of their incomes toward housing.

The price of homes in Vermont varies widely between zip codes. For example, in Burlington, Vermont, the median price of a home in the summer of 2005 was $338,000; however, in Montpelier, Vermont, the median price of a home was $294,000, and in Rutland, Vermont, it was $288,000. Average interest rates in Vermont are below the national average, and job growth rates are comparable to the national average.

Vermont state law prohibits the issuance of home equity lines of credit. Additionally, it requires that a defective mortgage be treated as though it had never been recorded.

Each year the Vermont Housing Finance Agency hosts a Home Buyer Fair where potential homeowners can meet and talk to mortgage lenders, realtors, attorneys, home energy specialists, among others. The Home Buyer Fair offers homebuyer education workshops, credit and budget counseling, post-purchase counseling, and post-purchase workshops.

Vermont?s Housing Finance Agency provides low interest financing to homeowners who meet certain income and purchase price limits. Information on these programs is also available at the Home Buyer Fair.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Vermont Mortgage Rates and Loans .

Sunday, March 29, 2009

Country House Hotels Cotswolds England

We have visited several Country House Hotels in the Cotswolds in England and trust that the following will help in your search for a luxury hotel in the Cotswolds which is a beautiful part of England with numerous old English market towns and villages.

Broadway is a small town in the Cotswolds whose high street has a number of antique and gift shops and homes built of Cotswold stone. The Lygon Arms can be found in the high street and is one of several character Country House Hotels in close proximity to Broadway in the Cotswolds in England. The restaurant has a Michelin star and there are spa facilities. You can be assured of a warm welcome with roaring log fires in the winter months. This is indeed a luxury hotel in the Cotswolds.

Chipping Camden is a small town in the Cotswolds again with a wonderful high street where you will find The Cotswold House Hotel is a fine luxury hotel in the Cotswolds in England offering service of the highest standard with exquisite food served in both the restaurant and brasserie. This Country House Hotel has been designed inside in a modern theme but full of character with no expense spared.

Lower Slaughter is a small Cotswold Village with the trout filled River Eye running through it. Lower Slaughter Manor is in the centre of the village next to the church. It is one of two Country House Hotels in this Cotswolds village in this tranquil part of England. Personal service of the highest standard is provided. Enjoy afternoon tea in front of a roaring log fire in the winter or on the front lawn in summer. Beautifully decorated and furnished Lower Slaughter Manor is a luxury hotel close to the Cotswolds town of Stow on the Wold here in England.

Please do not hesitate to telephone us on 01562 631682 for further advice about a luxury hotel in the Cotswolds.


About the Author:

Alan Hope runs a lifestyle management and concierge service business for both UK and Overseas clients.
Visit his website at http://www.arrangeitlifestylemanagement.co.uk/id86.html




Saturday, March 28, 2009

Wholesale Party Favors

Many hosts consider the gifting of party favors as an ideal gesture to convey gratitude to guests attending events or parties. Irrespective of the nature of celebration such as a wedding, anniversary, birthday, holiday affair, baby shower, or a corporate get-together, there is always a party favor that suits the occasion. Many companies manufacture items that are meant for usage as party favors, such as candle holders, cake toppers, bags, pens, watches and cookies. They also offer wholesale rates on party favors to retailers who purchase them in large quantities.

Party favors are available in varying styles and budgets and to match the theme of different occasions. While birthday party favors may include mini candy gumball machines, poodle coin purses, cartoon character watches or friendship bands; anniversary party favors include items such as picture frame or purses. There are many branded as well as local companies that manufacture articles such as the above and offer discount rates on bulk purchases.

Party favors at wholesale prices are available in items that compliment different theme parties such as cartoons, Hawaiian, sports, princess and dress-up, pirate or a candle party. There are certain companies that provide wholesale rates on party favor products to charities and corporations as a social gesture.

Many items that are ideal for gifting are available at wholesale rates on the Internet. Online stores can be contacted through e-mail to inquire about the wholesale prices they offer. Most online stores offer wholesale prices on a certain minimum number of order or as special promotional deals. They generally request a shipment period, depending on the stock on hand. Most customers find it convenient and very economical to order party favors over the Internet. With most stores having online catalogs that list all the articles available with pictures and prices against each, the process of choosing the right party favor has become simplified.

For individuals and companies that host frequent parties, organizing customized party favors could be a major expense as most gift articles are exorbitantly priced. Therefore, it becomes imperative to look for pricing benefits while purchasing party favors. Many gift stores and online stores provide discounted wholesale rates during celebrations such as New Year or Christmas.

Party Favors provides detailed information on Party Favors, Wedding Party Favors, Birthday Party Favors, Baby Shower Party Favors and more. Party Favors is affiliated with Wholesale Candy Distributors.


Friday, March 27, 2009

Recognising the Potential in Property Deals

I found a nice little house for sale last week in a neighbouring town while I was driving home. I always keep and eye out for real estate investing opportunities. An old lady was in the front yard cleaning up some weeds. The property had two agents? boards out the front. I had noticed this place about six weeks earlier with a ?for private sale by owner? board out the front only. The owner was trying to sell the place privately. Now it had two agents? boards in the front yard.

When the private sale board was up I had enquired what the asking price was. It turned out the owners wanted $178000 for the home. I did some calculations at the time, but the figures did not add up to my requirements. So I did not pursue it any further.

When I noticed the two agents? signs this time and I saw the elderly lady in the front yard I thought I may as well make some new enquiries. The owner told me that there had been little enquiry for her property. No real estate investors had shown any interest even any real serious live in home buyers. Enid asked me if I wanted to look through the house. I had time and said if it was okay with her that would be great.

As I walked into the back yard I noticed how big it was. There was a gas line easement at the back and a large park out the front. The house is on the same road as the primary and secondary schools as well. Down the street past the schools about 400 meters is a new housing development that is adding massive value to the area for real estate growth and capital gains.

The block of land the house is on, is long enough to build two adjacent town houses. They would blend into the area very well. Especially with the parkland out front and no one able to build behind. I immediately began to think about the zoning of the block. If it was R1 or R2 zoned. I will enquire at the local council. If the zoning turns out to be R2 then I would be able to build a pair of three bedroom duplexes. It is only a short walk to the town centre as well. Another plus in this investment property?s favour.

I found this potentially great deal by always watching what is going on in my targeted areas. This is something that is important to any real estate investor. The other important aspect is to recognize the hidden potential that some properties have. Also you need to be able to capitalize on these opportunities. This all takes time to learn and to put into practice. But it is certainly worth the effort to ensure you move along with your wealth creation and retirement nest egg.

To your investing success

Leo Love

PS If any of your family or friends is interested please pass this on to them

http://www.therealestateinvester.com

I am an experienced and passionate investor. I buy typical mum and dad type houses that give me cash flow and capital growth. My website offers helpful tips and ideas for any type of investor to help you with your wealth creation. Using my site will help to prevent you falling into the traps the inexperienced investors do.

Thursday, March 26, 2009

Chocolates Beer Bikes & Barges ? Adventures for Singles Belgium & Holland 2006

We arrived to cosmopolitan Brussels with 3 lost bags and 1 missing person. One suitcase went to Moscow but all caught up eventually. Janice and I led a perfect size group of 39, not too big to get lost in or too small for comfort.



Each July trip draws school teachers who have loyally followed me around the world and they do love Europe. We began with a light orientation tour in the historic heart of this capital, followed by a tour of the Chocolate Museum. I found this boring, but the tastings were great.



After a nap at the Sheraton, we enjoyed a welcome dinner at Chez Leon, a typical Belgium Brasserie located on the charming ?Rue de Restaurants.? You can get mussels in Brussels, but not brussel sprouts. And the french fry as it was invented here. Our menu consisted of egg puff pastry with Ardennes mouseline sauce, Flemish beef stew in Grimbergen ale and a dark chocolate mousse cake on a bed buttercream which was a culinary masterpiece never to be forgotten. I always say that a loud group is a happy group, but I think their decibel level here may have been due to their indulgence of amber ales. 428 different types are brewed in this country including a popular new blueberry beer. Later we scattered like chickens into the Grand Place which is considered by most to be the worlds most beautiful square. It comes to life at night every July with a light show and various unlicensed entertainers. One young lady is dressed in candy tempting men to buy a bite.



If it?s Tuesday, it must be Belgium. After breakfast, we began our morning walking tour of the 17th century Grand Place. It was actually 8:30 Sunday morning and I marveled that in over a dozen visits here, I?ve never seen this place so empty. It echoed in silence as tourists slept and the locals were gone for holiday. Sunlight brilliantly flooded the gothic cathedrals, classical facades and art nuveau houses. We were alone and it was breathtaking.



We then visited the famed confectioner ?Planet Chocolate? that opened especially for our group. Pedestrians peered in the windows with curiosity. A great demonstration was given by chocolatier Jon, grandson of the founder of this factory renowned for producing 67 different flavors. We learned about the history of cocoa. The ancient Mayans considered it an aphrodisiac and Montezuma consumed it in copious amounts. It was made famous in Belgium by J. Nuehus who added the praline hazelnut cream. Each cocoa fruit contains 25 beans. The best comes from Ghana, Ivory Coast and Indonesia. We learned all about the roasting and fermenting processes. Jon expounded on how healthy his dark chocolate is with more magnesium and antioxidants. He even asserts that it boosts energy and thus helps you loose weight?convoluted thinking. It was however, once sold at chemists as antidepressant medicine and unlimited amounts were given to soldiers in wartime to combat stress. At the end of the lecture, silver trays of truffles were presented along with a cup of hot ganache, which tasted like chocolate soup. I never really cared for chocolate but it was infatuation at first bite.



Our next stop was Chocolate Manon which I was told is run by a ?chocolate nazi? who will lock the doors if we?re one minute late. This small factory concentrates on quality over quantity and fancy packaging. The educational presentation was given by the owner Christian, who is both serious and hilarious. He only uses the highest quality vanilla, sugar, butter and 70% cocoa powder. This is a real factory with enormous chocolate blocks piled high and brown drippings everywhere. Sorry Hershey?s, but the cocoa here is not replaced with palm oil, chemicals, coloring, vegetable fats and lard. This is as pure as it gets and it?s better than Swiss. They sell direct to Bergoff and Neimans in NYC. There are 443 chocolate factories in Belgium all with the competitive spirit of Tour de France between them. Godiva still reigns supreme.



Christian explained that white chocolate is really an oxymoron. It contains only milk, sugar, cream and 21% white cocoa butter. As he lectured, he continually dipped his finger in to vats to taste his latest batch, while quickly running back and forth with frenetic energy from molds to freezer. He has a true passion for his product and consumes about 250 grams or a 1/2 lb a day, yet is as thin as Calista Flockhart.



I love my job, but would swap a month with him anytime.Over 1000 fillings are used inside the hollow shells. One by one, hundreds of shells are filled by hand. Each piece is a mini-sculpture. We?re invited to squeeze the ganache pastry bags, but made a terrible mess and had to eat our mistakes. Nothing is discarded here. Even table scrapings will be remelted.



Dark chocolate can be stored up to 15 years and molded into any shape. We?re shown pictures of intricate violins, a woman?s formal dress and a life size dinning room table and chairs all made of chocolate.



Monday we toured this proud and regal city that is revealed in its royal palaces, cathedrals, museums and onuments. We see the headquarters of the EU and site of the 1958 World?s Fair with the massive silver Atonium. We photograph the Mannekin Pis. [I never understood the love of this small bronze statue but it represents Brussels. Perhaps it?s found in the irreverence of the artist. Paula was our guide for several days here. Her stellar knowledge brought the history of Belgium to life, particularly the time when King Leopold purchased the Congo as his personal playground. Paula deeply cared for her work and later invited us to visit yet another chocolate factory, but fully sated, we declined. For free time we dispersed into tiny alleyways to intentionally get lost. Some searched out beer halls or hot sugar waffles, as others shopped for tapestries at give-away prices.



Things become a bit blurry from here. I?d taken some great notes on napkins throughout and managed to loose them all enroute. But memory serves well as we head to the capital of Flanders and enchanting Bruges. This town is a complete UNESCO World Heritage Site with a tranquil character that can?t be described. The people have done so much to protect its medieval feel, it provides the magical affect of stepping back into time. It is called ?Little Venice? and we enjoyed a boat cruise through the veritable maze of old canals that led to the Lake of Love. We strolled through ancient squares lined with houses of gabled rooftops and various cathedrals of holy this and holy that. Horse drawn carriages filled the cobbled streets. We entered the neo-gothic Basilica of Holy Blood and climbed 365 steps up the Belfry Tower with its carillon bells that chimed so loud it could blow an eardrum. We visited the cities finest lace shop for a demonstration on lace making, which I anticipated to be as exciting as watching paint dry. It was however, quite fascinating watching the delicate work of this 500 year old cottage industry.



We viewed an 18th century handkerchief so intricate that it took 4 ladies nearly 10 years to complete! All for a distant royal bride to blow her nose on.



I think I walked 67 kilometers that day. (Life lesson #122- NEVER wears heels on cobbled streets.) Bruges is entirely cozy and colorful, as if stepping into a postcard. At a caf?, I splurged on a waffle topped with chocolate, fruit and ice cream, so far, so good. For our entire trip we were blessed with no rain and perfect weather.



I?m a city girl at heart and was happy to depart for Holland. William of Orange is our jovial driver who just loaded our suitcases that have now swelled to 71 pieces. This is a super double-decker with plenty of room for our 150 mile journey. I joked on the mic as we crossed the border into Holland that there will be a 3 hour time change and never to drink the water. Much to my surprise my dear novice travelers actually started changing their watches! We passed many Smart Cars manufactured by Mercedes and Swatch. These toy-like hybrid two-seaters are expensive, but so adorable. On arrival, we checked into the Novotel Amsterdam for 4 days of touring pleasure.



We boarded our private glass topped boat and cruised through a labyrinth of canals. Amsterdam has 140 miles in all. Our wonderful guide Marilyn commentated on the picturesque neighborhoods and unique architecture. I photographed the world?s skinniest house, built in 1664. It was 5 stories high and only the width of the front door! Many locals live on houseboats and the area starts to resemble a floating trailer park. Holland is about 100? below sea level. Pumps are used to constantly pump out water and basements do not exist.



The beer drinkers in this group loved the ?Heineken Experience? with plenty of tastings and virtual games all over this famous brewery. The shoppers liked the Coster Diamond Factory where we learned about cutting and polishing the precious stones. They locked us in a room with guards where a gazillion euros worth of diamonds were displayed. We each had are own agenda for free time. The art lovers explored the national museums of Rembrandt and Van Gough. Many toured Ann Franks House where one can really sense the drama as she hid from the Nazi?s in the tiny attic writing her diary. Others went to Edam for cheese and Delft for porcelain. I visited friends and indulged on Dutch pancakes of every style imaginable.



One day we visited Zaanse Schans, a typical village for total Dutch immersion. We began at the Ratterman Clog Factory where 3 million pairs are produced annually. They?re used for working in the fields and are still worn today. Wooden shoes do not stretch so how can locals proclaim these to be comfortable? I prefer my Jimmy Choo?s stilettos and instead buy tulip bulbs for souvenirs. We then visit a cheese farm and watched as they separated curds from whey. Here we bought enough wheels of flavored Goudas to make Wisconsin jealous. [We never considered the weight it would add later to our carry-ons. We explored the open air museum with a backdrop of working windmills. There were also small period cast farms with curious ducks, goats and sheep.

That evening I had dinner with a friend I usually only see once every 5 years. Paul says, ?Suzy, you are like a good old book in the library of my life that I tucked away. You re-enter out of nowhere. I dust it off and the memories return.? As we catch up, I thought I had some stories to tell but his life is as captivating as a best selling novel. He is an undercover agent in the Special Forces, trains Dutch combat troops in Germany preparing for tours in Kabul, works narcotics infiltration and is a body guard for the royal family. Kind of like Jack Bauer on ?24.? Everything is ?top secret? yet he reveals that he basically gets paid by the government to work out daily. Recently he transported orangutans form the Amsterdam zoo to freedom in Borneo.



The highlight of this trip for me was our 2 hour city tour on bicycles. We looked like a motley crew as we headed out into narrow cobbled streets and over countless bridges. As I peddled, I observed my group behind me. One woman is nearing 70, two are smoking cigarettes, Janice is talking to America on her cell and one unmentionable crashes into a car! She had to pay the driver for damages on the spot. It took complete concentration to cross the busy tram tracks. That morning we rode through Vodelpark and the Red Light district. It was interesting to see the prostitutes as they just woke up to get their coffee dressed in jeans and sneakers.





Holland is the land of the free. With prostitution legal, my group is most inquisitive on this matter. We laughed as Marilyn said,? Suzy, they all ask questions on sex. Are they frustrated??



I arranged a professional guided walking tour of the Red Light district in the oldest part of Amsterdam for the world?s oldest profession. Since the 1400?s, seamen would dock here to unload. Guides Gabriel and Shuert boldly led us through alleys of half clad ladies. No photos allowed. We?re told that some fear it?ll go out on the web. Our guides explained that some women are forced here nowadays and some are simply ashamed. Ladies differ in size, shape and color as we strolled through different quarters. On one street they?re all obese. We learned to identify the transsexuals by two things surgery can?t change ? an adam's apple and a straight waist. Tastes differ; the oldest woman here is 76 and only works in summer. Only half use protection and monthly health checks are required.



There are around 1000 prostitutes working 500 windows. They pay 150? to rent a window for 6-8 hours, and can make up to 450? per day. They pay taxes and can write receipts for services rendered. If the curtain is closed they are not on break. The area is flooded with tourists. Men pay 50? for 30 minutes, yet statistics reveal the average time spent is just 6 minutes.



We crossed ?Pill Bridge? named for the drugs pushed there and then toured the Erotic Museum with photographs and ?tools of the trade? dating back to the 17th century on display. As I pondered and stared at a metal chastity belt, Gabriel said ?that blacksmiths always had a spare key which came in handy when the husbands were away at sea.? She also insisted the Dutch were far less promiscuous than Americans. I was concerned about my ultra-conservative teachers but nothing seemed to shock them. After awhile, our senses were over saturated and it became dull. The saddest sight was seeing a ?heroin hooker?. She was emaciated with glazed eyes and so many track marks that she had to shoot it now under her tongue. Police cameras were everywhere 24/7, there is little crime and we felt totally safe.



Pot and hash are legal here in over 400 ?coffee shops? that sell joints and ?ganja-space milkshakes.? Locals told me they felt Americans were oppressed by too many rules and can?t understand how our drug companies can sell meds on TV.

Enough on the wild side, this is also the art capital of Europe boasting more museums per square foot than any other city. Marilyn gave us a quick art lesson in a nutshell. She explained that this is the 400 year celebration of Rembrandt (1606-2006). He came from a family rich in windmills. As a child, he was an expert sketcher. Later in medical school, he did anatomical drawings of corpses from criminals. He studied more and soon rose above the Dutch masters with the ability to capture light and shadows in paint. He always began with a black canvas. Though blessed with enormous artistic talent, he couldn?t manage his finances. He died penniless and was entombed in a pauper?s grave.



Van Gogh grew up a lonely child and was very attached to his mother. His hyper-critical father didn?t like his artwork. He went to Paris to study the impressionists. He was schizophrenic and when he had episodes, it was seen in his paintings that grew wilder and wilder each time. He cut off his ear and later committed suicide. His paintings were discovered stored away in his family home. We learned so much here.



Many think they?ve seen Europe, but miss the countries with the most charm. Here we were enveloped by history, culture and all that the Old Continent should be. Also this wasn?t a typical EU vacation with endless museums and cathedrals, but a creative itinerary which provided large fun. Total cost was $1175 plus air (www.AdventuresForSingles.com 877-813-9421 or in GA 770-432-8225). Everyone?s favorite stop was Bruges, but for me Amsterdam was an urban masterpiece. I found the Dutch far friendlier than other Europeans. This visit rekindled my love for the Netherlands, that tiny country with 2 names. This time I looked through new eyeballs with my teachers who were experiencing their first trip abroad.



It was a wonderful group. One couple connected whom we later labeled ?The Honeymooners? and I hope they last. In flight home on Delta, I noticed among my sleepy group that some were munching on their chocolates that were meant for gifts back home. And once in line at US Customs, some were proudly wearing their new, brightly painted, uncomfortable wooden clogs. I just have to do this trip again.













Wednesday, March 25, 2009

St. George Utah is Pure Fun in the Sun

If you are considering a retirement move, St. George, Utah is a safe, fun place to live.

Washington County and St. George (the city in the heart of Washington County) enjoy a very low crime rate. When it comes to raising children our community, schools, and parents in particular, use strong old fashioned values to guide the children and teenagers. This caring environment produces warm, friendly families who care about their neighbors and neighborhoods.

Summers in St. George are hot from June to August. Summer temperatures run from about 104? to 110? during the day. Fall and spring are beautiful with temps running 70s to 80?s. Winters are crisp during January and February with hard frosts at night and 50? temperatures during the day.

St. George has an amazing variety of entertainment activities. For example we have a 2000 seat outdoor amphitheater (Tuachan Amphitheater) that has a stage back drop of soaring 1000 foot red rock cliffs. These cliffs occasionally are highlighted with natural water falls shortly after a rain fall. Productions of Cats, Westside Story, South Pacific, and Peter Pan are just a few of the shows that run throughout the summer and fall.

Washington County, where St. George is located, also has a live musical theater in-the-round (St. George Musical Theater), two new libraries and several first-class restaurants. There is shopping galore, with most stores being new or nearly new.

Of course, the natural beauty of Southern Utah is amazing. Several National and State Parks are very close by. The red rocks of Zion Park, Bryce Canyon and Snow Canyon State Parks are within just a few minutes to a few hours drive of St. George.

The St. George area attracts a lot of retirees. This means that age restricted communities abound. In addition to the retirement communities, the builders tend to cater to retirees by building a lot of one story homes with large rooms and small easy to manage yards. There are also several gated communities geared towards the ?well-to-do? with home prices starting at $750,000 and going up from there.

If you are looking for a great retirement town, St. George, Utah might be the place to move to.

This content is provided by Don Glasgow and may be used or republished only in its entirety with all links included. To sign up to receive weekly St. George foreclosure listings click Here.

Tuesday, March 24, 2009

Various Women's Sleepwear for Extreme Comfort and Utmost Sexiness

Women by nature want to look good. This is a way of showing other people that they feel good and confident about themselves. Not only are they meticulous about the clothes they wear on the outside everyday, but it also include choosing the best women's sleepwear at night.

After a hard day's work, everyone deserves a long night sleep. What better way is there to spend a good night than having to wear sleepwear that we love?

Regardless of age, women want the sexiest and the hottest undergarments available. Most women's sleepwear are soft and is made of satin, silk, or velvet. Undergarments are not just brassieres or panties; this is the usual misconception. There are also other garments such as: chemise, baby doll, bustier, camisoles, negligee, pajamas, thongs, and teddies.

A gown that fits the contours of the body is called a chemise; the fabric hugs your body in the right place so you feel sexy and comfortable.

If you want to show-off your beautiful legs, you can use a baby doll. These gowns usually fit around your bust line and flares on the hemline.

A bustier displays more cleavage; an elongated, strapless brassiere that gives your bust an extra lift. As a woman ages, the breast tissues need additional support.

Camisoles are very sexy sleeveless tops, and come with matching underwear. If you have perfectly toned arms, this is a good way to show them off.

If you want a sheer loose gown with matching panties and robe, buy a negligee. You can even wear this under a jacket.

A bodysuit in one piece is called a teddy.

If you don't want to show any panty lines, you can use a thong. It has a thin back strap, and frontal coverage.

Your outward appearance is not enough, it should start from within. Wouldn't it be more comfortable if you were aware that you're wearing a fashionable and sexy garment within? Modern women are able to project confidence and intelligence if they feel good about themselves. And they can have a lot of fun too.

Most women of today prefer luxury women's sleepwear because they feel more sexy and comfortable. You don't have to be young or old to wear these undergarments. If you try to search for the different lingerie, you can find one that best suits you.

Women's sleepwear are widely available in a variety of sizes and shapes that you can freely choose from; you can buy them from department stores, apparel shops, or you can even purchase online. There are many sites in the Internet that allows you to make purchases, you can choose from many assorted garments.

If you're planning to buy a frivolous undergarment:

-buy the right garment, make sure that it fits you nicely
-consider buying a more adventurous garment than what you already have in your closet
-choose the garment that you really want to wear; and not what others would like you to wear
-wearing a gorgeous underwear makes you feel good
-indulge, after all, you're a woman

Purchasing a luxurious undergarment is a simple treat that you can give to yourself after all of your hard work. There is no valid reason for not wearing an undergarment which you feel comfortable with, besides if you feel good from within, it does show on the outside.

Capri Rose is a freelance fashion writer and former fashion editor based in New York and London and now designs chic, sophisticated pajamas and sleepwear in modern and retro prints. Check them out at www.caprirose.com.


Monday, March 23, 2009

Can You Still Make Money Flipping Houses?

Successful real estate investors have been making money flipping houses in all markets. Just like any business, some investors lose money, even during the best market conditions. The difference, besides experience, is knowledge. Here are three key points.

Knowledge of the market helps you know a bargain house when you spot one. Look at many houses for sale in your area. Keep track of sales and how long the houses take to sell. Ask selling real estate agents about the terms of these sales because this helps you understand how sellers market their property. (Some of this information is public record). For instance, if a seller paid closing costs for the buyer, did the price rise from the listed price accordingly? Or, did the seller come down on the price and also pay the buyer's costs?

Examine the sales that sell quickly. What home features and financing options prompted the fast sale?

You must know the economic outlook in your area. Follow employment trends and population statistics. Are more people moving in than moving out of town? Because people always need housing, invest in an area with a good rental market. If you find too many vacancies in a neighborhood, that means you should discount any offer or look elsewhere.

You also need to learn about houses. What makes one property more attractive to home buyers? You wouldn't want to buy a home with a terrible defect like a horrible floor plan, a noisy freeway in the back yard, or structural flaws. The best way to learn about houses is to preview many houses for sale.

When you learn about your local real estate market, local economy, and property conditions, you empower yourself to make wise investing decisions.

Copyright ? 2006 Jeanette J. Fisher

Free ebook, The Truth about Making Money Flipping Houses at http://www.doghousetodollhousefordollars.com Jeanette Fisher, author of Doghouse to Dollhouse for Dollars, teaches interior design secrets for fixing houses to make money in any real estate market: Fixing and Flipping Houses

Sunday, March 22, 2009

Parenting Teens A Guide To Connecting Relationally With Your Teen


What every teenager would like to have is a credit card without limits, a new car, the newest look, and an iPod that can hold 50 million songs. Of course, we grown-ups have been around long enough to know that you don't always get what you want. There is a need however, that stirs in the heart of every young person. That need is a relationship with you the parent. It is true, they may not want it, but it still remains one their most important needs.


We've all heard about the generational gap thing, and too often have used that as an excuse to not bother trying to connect with today's teenager. Don't get me wrong there is a gap. A big one. They have their little world and we have ours. And so many times, we aren't welcome in theirs and they aren't welcome in ours. They listen to music we can't stand, and we listen to music they can't stand. They wear clothes we would never wear and we wear clothes they would never wear. They have a language with terms we don't understand and we say things that to them, seem so outdated. The differences go on and on and on and le'ts face it, it is so much easier to just not understand each other than it is to put forth an effort to try and understand.


I assure you, the effort is worth it. Your teenager is worth it! Connecting with your teen will take some work, but the rewards are priceless. It my require you to make some major adjustments to your routine. It may take some radical changes in the culture of your home. Don't be afraid to initiate the changes necessary to connect relationally with your teen.


Ok, so you're thinking what changes need to be made. Let me give you some helpful tips. Are you a family that seldom sits down for dinner together? If so, try to make it a point to eat one meal a day together. Use this as a time to talk. Sure it may be awkward if you haven't made this a practice in several years, but fight through the awkwardness. If you just can not make it happen every night, set aside at least one night a week where you eat together as a family. Set it in stone and make it happen. If you had a meeting set with someone very important you would do everything you could to keep that appointment. Treat your family no different.


Perhaps you are like the typical family that has a tv in every room and in the evening everyone retreats to his or her own room. Learn to utilize your family room together as a family. Pick a night or two and turn off the tv. Instead, spend an hour or so together as a family. Play games, go through a Bible study together, or just sit around and talk. I know what you're thinking. Play games? Bible study? Sitting around talking? Are you crazy?


What is so crazy, is that because of our great American culture, these suggestions seem so lame. Our culture, opposes the family in almost every way. It blows me away to see a family out at a restaurant and their teenager sitting there with his iPod listening to music while they eat. Video games, iPods, internet, and cell phones are tools that really cause us to isolate ourselves from other members of our family. Now, don't go overboard and take everything away from your teen. You just have to make a decision to fight against a culture that opposes the family. Don't allow this culture to dictate how your family is going to operate. As a parent, you set the agenda for the family. You decide how your household is going to run.


Plan some family outings. Do it once a week, once a month, once a quarter. It really doesn't matter how often, just make it happen. Go camping over the weekend. Go to a ball game. Go to the lake. The list is endless. Get input from everyone and be creative. If you live in the city, take a trip to the country. If you live in the country, take a trip to the city. It doesn't have to be expensive, just make it fun. Don't be in a hurry. The key is to connect relationally, nothing else. Don't set an agenda that's going to stress everyone out. Just have a good time as a family.


How about doing some volunteer work together as a family? There are countless numbers of opportunities to serve in and around your community. Volunteer at a soup kitchen, at the hospital, or at a senior citizens home. Or, how about as a family, adopting an elderly couple and helping them around the home with yard work, house cleaning etc. Again, the list is endless, and one of the most important things you can teach your young person is to live life outside of themselves.


If you have more than one child, make sure you as a parent spend some quality one-on-one time with each of them. Dad's take your daughter's on dates and treat them like a princess. I mean, treat them as though they are the most beautiful, most precious young lady on the planet. Give them an example of what they are to look for someday in the man they are going to marry. Help them to set that standard so high, that no loser will ever catch their eye. As for your sons, hang with them. Go fishing or hunting. Go play paintball together. Play video games with them. Do guy stuff together and talk about guy stuff.


Mom's plan a day to go shopping with your daughters or plan a day to bake together. Don't like to bake or shop? Then, find something that you enjoy doing together and do it. I'm not a mom, or a daughter so, to be honest, I don't have a clue. Maybe just go to lunch and have intimate conversation with one another. How about getting a manicure and pedicure? Whatever you do, make sure you connect with one another. And when it comes to connecting with your son, try to keep in mind that most teenage boys are at a stage where being a momma's boy is not a cool thing. As they get closer and closer to manhood, they become more and more independent. So, don't feel rejected when they seem to be pulling away. That being said, you can still connect with them and you need to. You may think this is absolutely crazy, but if your son is big into video games, instead of always hammering him to quit spending so much time playing, sit down for a few minutes and play with him. So what if you have no idea how to play, let him teach you. Trust me, it will blow him away.


Whatever you do, remember, connecting with your teenager is the primary goal. The sky is the limit. As a youth pastor for 15 years, I have consistently scheduled events for teens with the primary purpose of connecting with them relationally. Trust me, I have never had a huge budget, so planning events that are inexpensive while at the same time fun, simply takes a little effort and creativity. You may think that your young person will never desire to connect with you, and that may be true. However, in my experience with teens, I have discovered that I generally connect with those I determine to connect with. I believe the same is true about you. In all that you do, please keep in mind that the two biggest keys to connecting with teenagers is time and the ability to listen. So, make the time and work on your listening skills.


? 2006 Tim Stone All Rights Reserved Worldwide



About the Author

Saturday, March 21, 2009

Costa Rica Property Investment ? Does It Still Offer Good Capital Gains Potential?

Costa Rica property investment has provided investors with great capital gains over the last few years with low downside volatility.

Many investors now see Costa Rica property investment as expensive and are looking at other Central American countries such as Belize and Nicaragua, but Costa Rica still looks a better investment in terms of risk to reward due to the following:

1. An established market

Costa Rica property investment still looks to have excellent capital growth potential because it is an established market.

The fact is once foreign capital buys in more follows, as it instils confidence and there is a track record to look at and this encourages further investment

The Expat community continues to grow and the gains are too made in new up and coming locations as existing established locations need to expand out .

2. Stability

Costa Rica is a stable investment environment and unlike Nicaragua for example, there is no threat to this stability such as the Sandinista party, there is a track record of stable democracy.

3. Standard of living

Many people coming from abroad want the lower costs of a new location but they also want similar facilities to the ones they have at home, such as clean water, good roads, entertainment and shops and infrastructure and Costa Rica property investment gives them access to this.

A property market can provide good upward growth for many years and Costa Rica property investment is no different, the key is location.

As foreign capital continues to come into the country, the way to enhance capital growth is to pick locations wisely, in up and coming areas.

Look at changes in the infrastructure that benefit the expats and if you buy in these areas then capital growth potential to risk will be maximised.

Value Capital growth potential in a secure country

Costa Rica property investment is no longer the cheapest in Central America but offers value for money and good capital gains potential, linked to low downside volatility.

This after all what most investors are looking for from property investment.

Will countries such as Nicaragua and Belize for example grow like Costa Rica?

Only time will tell, but the amount of capital being invested in Costa Rica property investment points to the fact that a lot of smart money still sees great potential.

Costa Rica property investment for retirees, second and holiday homes remains a solid investment and the future looks bright for those investors looking for great upside with low downside volatility.

FREE Report

On the potential for investing in property in costa Rica visit http://www.costaricalandlots.com

Friday, March 20, 2009

The New Trend in Breast Pump Design: Massage


Once as a mother of a breastfeeding infant, I found myself in a circumstance where I was in need of a serious breast pump. I rented a hospital grade breast pump of a major brand. The first time I used it, I did not know whether I should be sick or faint. I wish someone had warned me that I would see my nipples assume a pointy shape that I had never dreamed they were capable of. I immediately wondered why they could not design a breast pump to work like a baby's mouth. From what I observed, the baby compresses the areola and nipple with mouth and jaw action. Although I cannot see what is going on inside the baby's mouth I am skeptical that a breast pump replicates that action. Breast pump design harkens back to machines that were intended for milking cows. Most breast pumps tug or pull on the nipple in a suck and release rhythm. What you see is the nipple going point, relax, point, relax like some enthusiastic member of an aerobic exercise class.


Now enter the newest innovation in breast pump design: the massaging breast pump. Some breast pumps claim or seem to have more of the massage element than others. The Playtex Embrace Breast Pump, the manual Dr. Brown's Natural Comfort Breast Pump and the Whittlestone Breast Expressers are all pumps that express milk without stretching the nipple in the tug-and-pull style. The Avent Isis breast pumps, manual and electrics, have funnels with Let-down Massage Cushions, which have massaging petals or bumps on it. These massaging petals move in and out with the suction rhythm of the pump. Medela and Ameda are the longest established and most reputable makers of breast pumps. Their most recent innovations have been in areas of design not related to massage: the 2-Phase Expression in the Medela Symphony, Medela Pump In Style Advanced, Medela Harmony and Medela Swing breast pumps and the Hygienikit feature in the Ameda Purely Yours and Ameda Elite breast pumps. These companies have each made one small contribution to the massage trend: the Medela SoftFit breast shield and the Ameda Flexishield flange. These parts work with any of their breast pumps and massage by flexing in a more static way, accompanied by the traditional tug-and pull suction.


Are these massaging breast pumps more comfortable, more effective at expressing breast milk, or at least, do they feel more like a baby nursing than other pumps?
I have read hundreds of breast pump reviews and I find the two major complaints against breast pumps are issues of comfort and effectiveness at removing breast milk. Addressing just the comfort issue, there can be many causes of discomfort and it is important that women investigate and eliminate those causes in their breast pumping where possible, to prevent injury and to expedite milk let-down. However, I am inclined to believe this unnatural tug-and-pull motion can be the cause of emotional and physical distress to women until they get used to it or overcome it with persistence.


Now who can object to massage as a concept? Of all these massaging breast pumps on the market only one has received enough independent consumer reviews to satisfy me that consumers have reached a positive, though not unanimous, consensus about it. The other breast pumps are just too new or have not been marketed extensively enough to know whether women will find them more comfortable or more effective than traditional vacuum-only pumps. I applaud efforts to redesign and improve the breast pump, but I can only now hope for a time that most breast pumps will deliver on their promise of feeling just like baby.


See the full article on the massaging breast pump trend for more information and updates.



About the Author

Matia Bryson is a mother of seven previously breastfed children and wants to help other mothers to nurse their babies for as long as they desire.

Thursday, March 19, 2009

Attention Real Estate Developers What Is In Your Business Plan?

Do you need a real estate development business plan? You will if you want to obtain financing for your project. The first thing any lender or private investor will want to see is your real estate development business plan. This plan is specific for development of real estate. Your business plan will tell your story in an organized and concise manner. It will provide all of the critical information needed to judge your project. A well-written and professional looking business plan is crucial for your success in obtaining financing.

Most real estate developers make the mistake of not creating a good business plan or even getting professional assistance in developing their business plan. They will use the excuse of not having enough time or they can?t find the data. Don?t let that be your excuse! All a real estate development business plan really is, is the answers to a bunch of questions! You will learn what to include in your real estate development business plan.

Executive Summary

The Executive Summary should provide a complete overview of your project & company. This will include:

  • Brief description of the overall project. For example, develop a 4 star, 250 room luxury hotel in downtown St. Louis, Missouri.
  • Brief overview of the company ? Is it a corporation, LLC, etc? Who are the owners and/or board members? Brief company history & experience level.
  • Brief summary of the market & demand.How large is the market and at what stage of development is the market currently in?
  • Brief summary of the competition and what separates you from them?
  • Brief description of key Management team members.
  • Key financials - total acquisition & construction costs, nature & use of funds, future revenue & expenses.

The Executive Summary should be brief and an outline to your overall business plan. Now lets take a look at the specifics in the real estate development business plan.

The Company

This part of the business plan should give full details about how and when the company was formed. It should indicate the legal structure of the company, as well as where it is licensed. A key piece of information about the company is the company owners. Name all of the principals and their percentage of ownership.

Project Description

This section of the plan is where you explain your project in detail. Remember, you are selling your project so that you can get the funding you need! Is this a hotel development project? Is this a luxury, single-family home community project? Is this a multi-tenant shopping center? Give all the details about the project. For instance, lets continue with our hotel example. You will want to name the other amenities that will be located at the hotel, such as swimming pool, tennis courts, the number of conference rooms, etc. How many of the rooms will be suites? What other features & benefits will your project have?

You will also want to address where you currently are in the project. Has the land been purchased or optioned? Where are you in the permitting process? Has the architecture plans been drawn? How much time & capital has been spent on your project to date?

The Market

In this section you will provide the market type & size, current & potential growth rate, and relative stage of development of the area. You should also address why you chose this particular area. You should discuss any forthcoming changes in the market, government regulations, economy, and short-term & long-term trends. If you have performed any feasibility studies, you will want to include it as well as the source of the feasibility study.

The Marketing Plan

The main objective of any developer is to sell the homes, the stores or the hotel. And this can only be accomplished with a well thought out marketing plan. Who will handle your sales efforts? Will they be in-house or out-sourced? How will the pricing/leasing/room rate be determined? Will there be any brand or strategic partnerships involved? What is your marketing budget (in a table format).

The Competition

Any lender or investor in your project will want to feel comfortable that you know who your major competitors are. They will want to know that you have done a thorough competitive analysis. Name and describe all key competitors. What are their strengths & weaknesses? How will your project compare? What are your projects strengths & weaknesses?

The Management Team

In this section, you will want to go into further detail about the principals involved. You will need to highlight the team?s relevant experience and previous successful projects?

Well what if this is your first project?

Then you want to make sure that you have an excellent support team in place. These team members should have the experience that you are lacking (team members doesn?t necessarily mean company ownership). These team members can be legal, accounting, construction, architecture, etc. So for this section of the real estate development business plan, you will want to include:

  • Resumes/biographies on all principals & management team members
  • Organizational chart
  • Board of Directors

The Financials

Since the primary objective of your business plan is to obtain financing, you will want to address what type of financing you are seeking and how much capital is needed. You will want to state how much money you have on hand (and where did you get it from) and how much money you have spent to date.

Everything that you have put into your real estate development business plan up to now should support your financial assumptions and projections. You will want to include a statement that shows a breakdown of construction and acquisition costs. You will want to include an Income statement that will outline income and expenses for the next five years after construction. It should follow GAAP (Generally Accepted Accounting Principles) and contain specific revenue & expense categories. You will want to include a Balance Sheet and Cash Flow Analysis.

Now that you know what to include in your real estate development business plan, make sure that your business plan presents itself in a professional manner.

  • Use a table of contents, with numbered pages.
  • Make sure that the writing style is simple and conversational.
  • Don?t use long or complex sentences.
  • Paragraphs should be short & simple.
  • Use graphics & pictures but don?t get carried away.
  • Use charts & tables to back up your data.
  • State all sources of your data and studies.
  • Proofread your real estate development business plan for grammatical and spelling errors.
  • Have someone else proofread it for you.
  • If you have the resources, hire a professional business plan writer.

Visit http://www.all-about-commercial-mortgages.com to learn more about commercial properties and commercial financing. Educate yourself before buying that commercial property!

Patti Porter is a Commercial Mortgage Broker specializing in income producing properties.

Tuesday, March 17, 2009

MustHave Mirrors


Famous auto parts suppliers come and go, but only those that are well trusted by consumers last and are established. One of these brands is CIPA, famous for its quality mirrors. Established in France in 1926, CIPA has been an innovative industry leader for over 65 years, playing a major role in the design evolution of rear view mirrors. Big clients in the European market include top auto manufacturers BMW, Volvo, Mercedes, Renault, and Volkswagen. CIPA-USA was a subsidiary of France until 1985. Huge US clients include Chrysler and Ford, whose vehicles are most often spotted with CIPA mirrors. At present, CIPA-USA is the only company in the world that has a full line of mirrors for all watercraft types. Hence, US' finest boats, motorcycles, watercraft and snowmobiles use CIPA mirrors as well.


Over the years, CIPA has shown constant growth. Manufacturing its products in the US, France, and Asia, its quality products in every category continue to set sales volumes records. Among CIPA's trademarks that customers just cannot resist are good customer service and on-time delivery. Hence, it's not surprising that CIPA mirrors were able to penetrate into every automotive market, considering CIPA's humble beginning as a car rear view manufacturer. For instance, 100% of the mirrors of tournament ski boats manufactured in the US today are supplied by CIPA.


What is it about CIPA mirrors that have made them number one throughout the years? Topping the list is these mirrors' superior precise construction from the toughest plastics to make them last for a lifetime. Broken mirrors at the slightest pressure will never be of sight when it's a CIPA mirror you have installed. And speaking of installing, there's no need to install CIPA mirrors as they slip right on. Made for exact fit, CIPA mirrors are also guaranteed not to damage your existing mirror.


Options abound with CIPA's mirrors as CIPA manufactures a wide variety guaranteed to suit your specific needs. Their mirror lines like the passenger vehicle Custom CIPA Mirror line are equipped with lots of convenient features. For example, when you're driving in unfamiliar territory or in the dark, CIPA mirrors that feature a compass, temperature sensor, and map lights would be beneficial. When cruising in icy conditions, CIPA mirrors equipped with an ice warning that flashes when the temperature drops below freezing is truly a necessity. Another good feature of CIPA mirrors is the ability to sense ambient light and glare from behind the vehicle.


For racing and sports fanatics, there is a CIPA mirror especially made: the CIPA Optic Custom Sport Mirror. This mirror actually comes in several styles. The CIPA Optic Glow Mirrors are manual sports mirrors featuring green or blue LEDs that produce a glowing effect. The CIPA Optic LED signal mirror features forward amber signals for style and safety and offers a more classic and luxurious style, coming in black and carbon fiber finishes.


Among the latest innovations CIPA has introduced deals with their towing mirror line. Manufactured by CIPA-USA, CIPA towing mirrors are well designed and versatile, available for a wide range of vehicles and come in many styles and sizes. One product in CIPA's towing mirror line is the Slide On Custom Towing Mirror. With its sleek, aerodynamic make, the Slide On Custom Towing Mirror greatly increase the driver's range of vision for towing safety.
About the Author

Jeremy Stotzenberg is a auto enthusiast having his own shop catering to customized cars in San Mateo, California. He sells car accessories such as, floor mats, cargo liners, and a range of CIPA products. He aims to reach out for more clients through the Internet.

Monday, March 16, 2009

Real Estate And The Media

The role of the media is to report news and opinions, not to make predictions and forecasts.

Predictions and forecasts are better left to the storytellers and the experts respectively. Specifically when it comes to important fields such as Real Estate, it would be ideal if media reporting were as objective and as analytical as possible, for the common good. Unfortunately this is not always the case, at least not when it comes to the general media. We would surely expect to see stories about Real Estate featured in the financial press, such as The Wall Street Journal in the U.S.A., the Financial Post in Canada or The Financial Times in the U.K.

On the other hand, when a feature article on the real estate markets appears in general-circulation publications the likes of Time, Newsweek, MacLeans or U.S. News and World Reports we should take note because the story has begun to circulate well beyond the inner core of the usual financial circles. This may indeed reflect the fact that the general public may be about to imitate the ?experts'. The interesting thing about such stories is that they invariably occur after a substantial price movement has already taken place or price tend, whether upward or downward, has initiated. The article may explain why prices have increased or decreased so much thereby reflecting conventional wisdom, and hence dispensing onto the general public some powerful reasons as to why they should buy or sell, as the case may be.

When market stories reach the front pages of general-purpose newspapers or the covers of magazines and publications, the implications are far greater than if the stories appear solely in the financial press. Independent studies have revealed, for example, that there is a significant correlation between Time cover stories and major trend reversals in both Real Estate and the Stock Market. According to statistical research, the appearance of the story breaks pretty close to the final peak. In the Stock Market, for example, when a bullish cover is featured the market usually rallies at an annualized rate of about seventeen percent for three months or four before the peak. Conversely, when bearish covers are featured, the decline begins within the subsequent couple of months.

Needless to say, the media has an impact on Real Estate as well, but only at major turns of the market. It would be unrealistic to expect a widely published story to signal a short-term turning point. This is so, because to make the front cover of a publication the article has to reflect news to which more or less everyone can relate.

Cover stories sometimes focus on interest rates. In March 1982, for example, an article entitled ?Interest Rate Anguish' appeared on the cover of Time featuring Paul Volcker, the then Chairman of the Federal Reserve Bank. Treasury bills were yielding 12.5 percent at the time, but a year later they had fallen to 8.5 percent. And so had mortgage rates. Likewise, cover stories that do not appear to have any direct bearing on Real Estate, but that refer to the general state of the economy can also help discern the markets' mood. For instance, features about the President in the United States or the Prime Minister in Canada can often reveal how we think about ourselves. Covers reflecting upbeat and confident leaders typically reflect a similar mood in the country. The opposite is also true.

But here is where the analogy between Real Estate and the Stock Market diverge. If the nation, whether the United States or Canada, either directly or indirectly through its elected officials is reflected in a cover story as ebullient and confident, then expect the Stock Market to decline and Real Estate to pick up. On the other hand, if the story reflects a lack of national confidence and will tackle its seemingly insoluble problems, then expect Real Estate to decline and the Stock Market to pick up.

It must be said, however, that one should not rely on cover stories with mathematical precision. It is always important to examine the facts and to come up with various alternative forecasts, as cover stories cannot invariably be relied upon as exact timing devices, especially in Real Estate. They do, however, offer general indicators that give a good historical perspective of when an extreme has been reached, whether high or low. When all pieces are more or less consistent, it is possible to come up with credible scenarios and forecasts outlining with reasonable approximation the chances that Real Estate is about to reverse its prevailing trend.

Luigi Frascati is a Real Estate Agent based in Vancouver, British Columbia. He holds a Bachelor Degree in Economics and maintains a weblog entitled the Real Estate Chronicle where you can find the full collection of his articles on Real Estate Economics and Finance. Luigi is associated with the Sutton Group, the largest real estate organization in Canada, and is based with Sutton-Centre Realty in Burnaby, BC.

Luigi is very proud to be an EzineArticles Platinum Expert Author. Your rating at the footer of this Article is very much appreciated. Thank you.

Sunday, March 15, 2009

Cosmetics Guide: Chanel

Background:
Coco Chanel (born Gabrielle in 1883) began her fashion career after opening a millinery shop in 1912 making simple but stylish hats. A ready market helped her expand into clothes and by the 20?s she had built a substantial fashion house with its emphasis on comfortable elegance. It swept away the fussy, sometimes painful clothes considered suitable for women of the time and her designs blended features previously exclusively male with innovative fabrics. They were astonishing to the more rigid tastes of the times and marked a liberation in women?s fashion. Her signature creations included the jersey suit and dress, the draped turban, the chemise, pleated skirts, the cardigan suit, the little black dress, the sling pump, the box jacket, the strapless dress and the trench coat.

Chanel first branched into perfumes in 1922 with the iconic No 5 (it was the fifth and last in a selection she had commissioned). As with her fashion it defied norms. When most perfume bottles of the time were ornate hers was simple and modern, when others reflected a single floral essence (rose, lily of the valley) hers was a complex mix of natural and synthetic and the name itself was at odds with the standard overly-poetic naming conventions.

Cosmetics Range:
The House of Chanel today produces a select range of cosmetics and fragrances. Their make up includes products for the face (foundation, powder, concealer, blush); eyes (mascara, eyeshadow, eyeliner, eyebrows); lips (lipsticks, lip gloss, lip liner, lip care); nails (nail enamel, nail care). The skin care range includes cleansers, toning lotions, exfoliation and masks. The fragrance range starts with No 5 but also comprises Chance, Allure, Coco, Coco Mademoiselle, No 19, Cristalle, Exclusifs Boutiques, and for men, Allure Homme, Allure Homme Sport, Anteus, Platinum Egoiste and Pour Monsieur.


Saturday, March 14, 2009

How Much Equity Does Your Home Have?

When it comes to real estate, there are few things more important than equity. All of the advice given to first-time homebuyers centers on how much equity they are likely to build in the time they will be living in the home. Additionally, when it comes to getting a home equity loan or selling the house, knowing how much equity you have built up is quite important. It will determine how much cash you end up with. And that is no small consideration.

A Definition of Equity

Most of the time, equity refers to the amount of ?ownership? you have in a particular piece of real estate. A set amount of cash is the main expression of the equity in your property. Equity is usually built by a combination of two things:

1. Making mortgage payments
2. Increases in the property?s value

The longer you have the real estate, and make payments on it, the more equity you are going to build up in the property. And if you live in an area where the home values are increasing, you will find that helps with your equity as well. This is the reason that the general advice is to buy only if you plan to stay in a home for at least five years. This gives the property time to appreciate, and it allows you the time to pay down some of your property loan?s principal.

Determining Your Real Estate?s Equity

It is usually very simple to figure out how much equity you have built in your real estate. First, you need to find out what the current market value of your home is. You can do this by talking to a variety of real estate agents, mortgage loan officers, and appraisers. Next, you subtract the amount that you still owe from the market value of your home. The result is your equity. Here?s an example:

You bought your home 11 years ago with a loan for $115,000. Now, however, the property at current market value is worth $135,000. And you have paid down some of your loan, still owing about $75,000. To figure your equity, you subtract the $75,000 from the $135,000 for a total of $60,000. This is about how much you could expect to pocket if you sold the home at current market value, or the amount of money you would have access to with a home equity line.

Visit Home Equity Wise to view our Recommended Home Equity Lenders online. Also, visit Home Equity Wise to find information about obtaining a Home Equity Loan Online.

Friday, March 13, 2009

Before Buying A Home

Real estate is an expensive investment. Most people do not buy a home with cash. If you are not a millionaire, you probably take loan from lender. So you should learn to think like them. What are they looking at on your loan package application? They are definitely looking at the source of your funds for your down payment. Your lender will probably ask for the last two or three months on your liquid assets. What are the liquid assets? They include your savings accounts, checking accounts, money market funds, stock statements, mutual funds, money market funds, 401k, and your retirement accounts.

If you want to avoid large deposits and withdrawals, you probably don?t want to move your money between accounts during your loan request. Your lender will probably ask for a lot of your financial documents such as deposit receipts, and cancelled checks. They want to have all the paper that they can have.

Don?t get mad at your lender. They are just trying to do the right thing for you. Buying a home is a big important decision, and it costs a lot of money. They must try to prevent potential fraud, and they must try to ensure the quality. You don?t want to make their jobs harder. You do not want to move money around, even if you are consolidating your funds. You also do not want to switch banks, when you are talking to a loan officer either. If it is possible, you don?t want to change job. It may be very bad to your loan application.

Check Out More Articles:
High Rise Realtors Vegas, Austin texas real estate trends, real estate trends in georgia ,

Thursday, March 12, 2009

Advice for the Wise When Investing in Real Estate

Although real estate investing is known to most investors to be one of the safest and most profitable investment in general, some places in the past have known home prices to go down. Appreciating in one city doesn t necessarly mean that the same city will experience the same increase in home value the next year. Many factors are contributing to house price appreciation. Inventories, climate, crime rate, economy and population growth are the main factors. A good mortgage can also play a role in your investments. Always read your loan application carefully before signing it when it is approved. Avoiding a prepayment penalty for instance can save you thousands of dollars when selling your home. The purchase price of your investment home is capital too. Most investors who take their time have been able to buy their homes at 10-30% below market value. This obviously takes time to do and depends a lot on the market condition. Determining the best performing zip codes within a certain city. Remember that crime can be different from North to South in one same city. Price appreciation also varies according to different criteria like proximity to hospitals, malls, police station and crime rate.

Biswajit Das is a SEO manager and working for search engine optimizations for various sites. Article submission is one of the process to promote a website by link popularity, thats why this article is submitted by him to promote the real estate site: http://www.realestatease.com

Wednesday, March 11, 2009

Maryland Mortgage What to Expect When Buying a Home in Maryland

Maybe you?re buying your first home in Maryland, or perhaps you?re relocating to Maryland from another state. Either way, it?s important that you educate yourself on Maryland home loans before shopping for a home and mortgage. This article explains what you?ll need to know before buying a home in Maryland:

The median price of a home in Maryland is $146,000. Recently, homes in Maryland have been appreciating at record highs for the state. As a result, income levels in many parts of Maryland are too low to purchase a median-priced home with a conventional loan. In fact, homeowners in many Maryland cities pay more than the recommended 30% of their incomes toward housing.

The price of homes in Maryland varies widely between zip codes. For example, in Annapolis, Maryland, the median price of a home in the summer of 2005 was $315,000; however, in Fort Washington, Maryland, the median price of a home was $375,000, and in Silver Spring, Maryland, it was $450,000. Average interest rates in Maryland are above the national average, and job growth rates are ninth highest in the nation.

In Maryland, the borrower employs the settlement attorney or title agent. The lender is not permitted to do so. Maryland has strict anti-predatory lending laws. Among these include the prohibition of prepayment penalties and reduced-rate options on adjustable rate mortgages and fixed-period adjustable rate mortgages.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Maryland Mortgage Rates and Loans .

Tuesday, March 10, 2009

Oklahoma Mortgage What to Expect When Buying a Home in Oklahoma

Maybe you?re buying your first home in Oklahoma, or perhaps you?re relocating to Oklahoma from another state. Either way, it?s important that you educate yourself on Oklahoma home loans before shopping for a home and mortgage. This article explains what you?ll need to know before buying a home in Oklahoma:

The median price of a home in Oklahoma is $70,700. The price of homes in Oklahoma varies widely between zip codes. For example, in Oklahoma City, Oklahoma, the median price of a home in the summer of 2005 was $120,000; however, in Edmond, Oklahoma, the median price of a home was $130,000, and in Tulsa, Oklahoma, it was $250,000. Average interest and job growth rates in Oklahoma are both above the national average. In fact, Oklahoma has some of the highest interest rates in the nation.

Oklahoma law prohibits ?subsection 10 mortgages? as a consumer transaction that exceed the annual percentage rate or points and fees thresholds set forth by the state. Prepayment fees and penalties are prohibited on all home loans. Also, Oklahoma law prohibits that practice of making equity-based rather than income-based loans.

Oklahoma residents are eligible for both federal and state housing programs. The state of Oklahoma offers housing programs for first-time home buyers, low income home buyers, elderly and disabled home buyers, and people purchasing homes in qualified rural areas.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Oklahoma Mortgage Rates and Loans .

Monday, March 9, 2009

Selling Your Glendale Home Are You Asking the Right Price?

If you have a home in Glendale, Arizona that you'd like to sell, you are in a good position. Glendale is a great community for buying and selling, it's one of the most affordable home communities in the greater Phoenix area.

Fortunately, Glendale is popular enough that you'll find plenty of people interested in buying your home. On the downside, if you've never sold a home before, you may not have realistic expectations about the sales process. You may be setting yourself up for a fall if you aren't aware of some of the common mistakes to avoid.

Asking Too Much for Your Home

Sometimes it's hard to have a great perspective on the asking price for your home. After all, you've probably put a great deal of time, effort and money in making improvements to the property. Unfortunately, if you focus exclusively on the price you think the property is worth, you may lose out on prospective buyers.

Remember that your home will be on the market beside other comparable homes. If your house isn't priced competitively, the home may be quickly passed over by buyers.

Listen carefully to your real estate agent and consider their input. Your agent understands the Glendale market and is going to give you the best price. If you have some doubts, check out zillow.com. This site uses some of the same information as real estate agents, sales of comparable properties, etc. to deliver an accurate home value.

Not Having A Marketing Plan

Before you list your home, you need to have a discussion with your real estate agent about how he or she intends to market your property. What will he or she do to make your property stand out? You want to get as much exposure for your home as possible in the shortest amount of time. The longer your home is on the market, the more opportunity you miss when it comes to finding another home, or you may not be able to complete the purchase of a home you really love.

Not Accepting an Offer

Judging whether to accept an offer is always a little risky, if you take too low of an offer you're missing out on potential money. If you reject an offer because you want something higher, you may find that your property just won't sell. Again, the most important thing you can do is follow the advice of your real estate agent. Glendale is a competitive market, so you should be able to get a good offer on your home. Even before you receive an offer, discuss the absolute minimum that you will accept, and how much room there is for negotiation. It's hard to make decisions in a stressful time, so if you go in with as much information as possible, you can alleviate some of the tension.

Glendale is the perfect community for finding affordable homes and reselling your home to new buyers. Work with an agent you trust and you'll be living in your new Glendale home before you know it.

Reg Gustin is a senior loan officer with Sun American Mortgage and specializes in helping families and their financial lending needs.

Get a FREE mortgage rate quote from a reputable Arizona mortgage company at http://www.arizona-homes-store.com/arizona-mortgages.html.

Search the Arizona MLS at http://www.arizona-homes-store.com/arizona-mls.html

Click here: http://www.arizona-homes-store.com/arizona-real-estate-appreciation-report.htmland get a FREE copy of The Greater Phoenix Area Housing Appreciation Report, as compiled by Arizona State University with your free subscription to his monthly ezine, MARKET NEWS.

Sunday, March 8, 2009

Agent Marketing Minute: Marketing is not Advertising

Real estate agents wear many hats including one for marketing, advertising , merchandising, and publicity hat. Many agents think these are all one and the same. To be effective you need to know the difference and use all four to reach target real estate markets. Let's explore what each is and a brief example.

Advertising is any means by which an organization seeks to influence thoughts or actions of an individual, usually used to sell a product (house) or service (agent), or to promote good will. Example: an open house ad in the local newspaper. Marketing is all aspects of the advertising, merchandising, and selling of goods and services. An agent's annual marketing plan identifying the goals to be achieved and actions to be taken in the coming year. Merchandising is the promotion of the sale of goods and services through advertising and publicity. Think of merchandising as a physical tribute of marketing. Example would be a four-color brochure describing the physical features of a listing. Publicity or public relations is a promotion tool that motivate the public to take notice of a person (agent), product(listing), company (brokerage). Example is a press release and resulting article in the newspaper featuring an agent's support of a Habitat for Humanity project.

Mark Nash is the author of Fundamentals of Marketing for the Real Estate Professional, Starting & Succeeding in Real Estate, Reaching Out: The Financial Power of Niche Marketing, and 1001 Tips for Buying and Selling a Home. Mark is a contributing writer for: Realtor (R) Magazine Online, Broker Agent News, Real Estate Executive Magazine, Principal Broker, and Realty Times. He contributes residential real estate analysis to Business Week, CBS The Early Show, CNN, HGTVpro.com, The New York Times, and USA Today. View his books at http://www.1001RealEstateTips.com.

Saturday, March 7, 2009

Services Offered by Los Angeles Discount Real Estate Brokers

Are you interested in selling your current home? If you are, have you already started the listing process? If have recently decided to sell your home and have yet to take action, you are encouraged to fully examine all of your options before making a final decision.

If you live in or around the Los Angeles area, you can seek assistance from a real estate broker or a real estate agent. Real estate brokers and agents offer the same types of services. Generally, the only difference between the two is their name. Both offer services to individuals and families who are looking to purchasing a new home or to those that are looking to sell their home.

If you are like many other Los Angeles area residents, you may be concerned with the price of using a real estate agent or broker. There are a large number of brokers that charge a high fee for their services, but not all do. It is possible to find a discount real estate broker. Los Angeles has a large number of both types of brokers. To find a discount broker in the area, you may be required to do a little bit of research.

The research you do, to find a discount real estate broker, will include a number of different things. The first step in finding a discount real estate broker is to familiarize yourself with local brokers. This can often be done by using the internet or your local phone book. If you choose to use your local phone book, real estate brokers are often found under the business listing of real estate. Since phone books only provide a limited amount of information, you may be required to contact each broker individually.

Directly speaking to a number of discount brokers is a great way to determine how much each individual charges for their services; however, this process can be time consuming. If you want to find a discount real estate broker, but you do not have the time to spend hours or even day searching, you are encouraged to use the internet.

There are a large number of online broker websites. These websites should allow you to immediately determine whether or not you want to use the services of a particular discount real estate broker. Los Angeles resident have successfully been using the internet, for years now, to find qualified brokers.

No matter which search method you choose, you are sure to find at least one discount real estate broker. Los Angeles has a number of these discounted brokers. By taking the time to find them, you could retain valuable money from the sale of your home. This is because the fewer fees that you have to pay a real estate agent, the more you will profit from the sale of your home.

Brad Horn is a writer for 1 percent realtor where you can find a great resource for information regarding a Los Angeles Discount Real Estate Broker

Thursday, March 5, 2009

Giving Your Tempe Home a Shot in the Arm

Tempe, Arizona is such a great community to live in that homes for sale practically sell themselves. Who wouldn't want to live in such a dynamic community, a place with easy access to Phoenix, Chandler, Mesa and Scottsdale? Tempe offers great schools, beautiful planned communities, and lots of variety, conveniences and amenities.

If you own a home in Tempe, you've probably seen your home equity increase as your home appreciates in value. You may be tempted to sell your home and use some of the equity as down payment for a larger home in Tempe.

Whether you plan to sell your home or not, chances are you'd like to make improvements to the property to increase its value. What are some changes you can make to your property to keep that home equity growing? The answer may surprise you. The trend nowadays focuses not on the inside of your house, but the outside, the landscaping.

Landscaping has become the hottest trend in property improvement. But the focus isn't on merely adding some flowers or shrubs to your property. New buyers are looking for landscaping that creates a livable area outside the home, a yard that expands the space of the home to the great outdoors.

The Arizona sun provides so many days of beautiful weather, it's a shame to waste time indoors. That's part of the reason home owners are looking for what amounts to an outdoor living room.

Having a simple patio isn't sufficient. If you really want to improve your Tempe home, consider adding a patio or terrace that reflects the elegance of the rest of your home. Instead of a mere concrete slab patio, add paving stones or tiles.

Another important feature to consider is a covered area. As much as you may love the sun, having a sheltered or shaded area to take a break is an important part of creating the feel of an outdoor living room.

The patio or terrace becomes an important part of the home for entertainment and enjoyment. What can you do to make your patio more functional, with a feeling of permanence? How about adding a built in grill, or consider making a mini-kitchen outdoors. It may take a little money to add the features, but its well worth it in terms of the value it adds to your home.

What living room is complete without a fireplace? Well, fireplaces are important parts of indoor living rooms, but not such a practical part of an outdoor living space. If you are considering adding an outdoor fireplace or fire pit, rethink your plans. These features add little value to the home because they aren't something that is commonly used by most residents.

Water features, like ponds or waterfalls, offer little desirability. The feature may be pretty, but in the end it's merely time consuming to maintain. A far better use of money is in a swimming pool. Traditionally, swimming pools aren't considered a great equity generator in other parts of the country, but in Arizona, a pool can be a deal maker for a home.

More and more home owners are investing serious money in the landscaping around their home. They find the investment pays off not only in future sale of the property, but also increases their enjoyment of the home.

Consider making some improvements to the outside of your Tempe home, and you'll find that your house has a whole new lease on life.

Reg Gustin is a senior loan officer with Sun American Mortgage and specializes in helping families and their financial lending needs.

Get a FREE mortgage rate quote from a reputable Arizona mortgage company at http://www.arizona-homes-store.com/arizona-mortgages.html

Search the Arizona MLS at http://www.arizona-homes-store.com/arizona-mls.html

Click here: http://www.arizona-homes-store.com/arizona-real-estate-appreciation-report.htmland get a FREE copy of The Greater Phoenix Area Housing Appreciation Report, as compiled by Arizona State University with your free subscription to his monthly ezine, MARKET NEWS.

Wednesday, March 4, 2009

?Chocolates Beer Bikes & Barges? ? Adventures for Singles Belgium & Holland 2006

We arrived to cosmopolitan Brussels with 3 lost bags and 1 missing person. One suitcase went to Moscow but all caught up eventually. Janice and I led a perfect size group of 39, not too big to get lost in or too small for comfort.

Each July trip draws school teachers who have loyally followed me around the world and they do love Europe. We began with a light orientation tour in the historic heart of this capital, followed by a tour of the Chocolate Museum. I found this boring, but the tastings were great.

After a nap at the Sheraton, we enjoyed a welcome dinner at Chez Leon, a typical Belgium Brasserie located on the charming ?Rue de Restaurants.? You can get mussels in Brussels, but not brussel sprouts. And the french fry as it was invented here. Our menu consisted of egg puff pastry with Ardennes mouseline sauce, Flemish beef stew in Grimbergen ale and a dark chocolate mousse cake on a bed buttercream which was a culinary masterpiece never to be forgotten. I always say that a loud group is a happy group, but I think their decibel level here may have been due to their indulgence of amber ales. 428 different types are brewed in this country including a popular new blueberry beer. Later we scattered like chickens into the Grand Place which is considered by most to be the worlds most beautiful square. It comes to life at night every July with a light show and various unlicensed entertainers. One young lady is dressed in candy tempting men to buy a bite.

If it?s Tuesday, it must be Belgium. After breakfast, we began our morning walking tour of the 17th century Grand Place. It was actually 8:30 Sunday morning and I marveled that in over a dozen visits here, I?ve never seen this place so empty. It echoed in silence as tourists slept and the locals were gone for holiday. Sunlight brilliantly flooded the gothic cathedrals, classical facades and art nuveau houses. We were alone and it was breathtaking.

We then visited the famed confectioner ?Planet Chocolate? that opened especially for our group. Pedestrians peered in the windows with curiosity. A great demonstration was given by chocolatier Jon, grandson of the founder of this factory renowned for producing 67 different flavors. We learned about the history of cocoa. The ancient Mayans considered it an aphrodisiac and Montezuma consumed it in copious amounts. It was made famous in Belgium by J. Nuehus who added the praline hazelnut cream. Each cocoa fruit contains 25 beans. The best comes from Ghana, Ivory Coast and Indonesia. We learned all about the roasting and fermenting processes. Jon expounded on how healthy his dark chocolate is with more magnesium and antioxidants. He even asserts that it boosts energy and thus helps you loose weight?convoluted thinking. It was however, once sold at chemists as antidepressant medicine and unlimited amounts were given to soldiers in wartime to combat stress. At the end of the lecture, silver trays of truffles were presented along with a cup of hot ganache, which tasted like chocolate soup. I never really cared for chocolate but it was infatuation at first bite.

Our next stop was Chocolate Manon which I was told is run by a ?chocolate nazi? who will lock the doors if we?re one minute late. This small factory concentrates on quality over quantity and fancy packaging. The educational presentation was given by the owner Christian, who is both serious and hilarious. He only uses the highest quality vanilla, sugar, butter and 70% cocoa powder. This is a real factory with enormous chocolate blocks piled high and brown drippings everywhere. Sorry Hershey?s, but the cocoa here is not replaced with palm oil, chemicals, coloring, vegetable fats and lard. This is as pure as it gets and it?s better than Swiss. They sell direct to Bergoff and Neimans in NYC. There are 443 chocolate factories in Belgium all with the competitive spirit of Tour de France between them. Godiva still reigns supreme.

Christian explained that white chocolate is really an oxymoron. It contains only milk, sugar, cream and 21% white cocoa butter. As he lectured, he continually dipped his finger in to vats to taste his latest batch, while quickly running back and forth with frenetic energy from molds to freezer. He has a true passion for his product and consumes about 250 grams or a 1/2 lb a day, yet is as thin as Calista Flockhart.

I love my job, but would swap a month with him anytime.Over 1000 fillings are used inside the hollow shells. One by one, hundreds of shells are filled by hand. Each piece is a mini-sculpture. We?re invited to squeeze the ganache pastry bags, but made a terrible mess and had to eat our mistakes. Nothing is discarded here. Even table scrapings will be remelted.

Dark chocolate can be stored up to 15 years and molded into any shape. We?re shown pictures of intricate violins, a woman?s formal dress and a life size dinning room table and chairs all made of chocolate.

Monday we toured this proud and regal city that is revealed in its royal palaces, cathedrals, museums and onuments. We see the headquarters of the EU and site of the 1958 World?s Fair with the massive silver Atonium. We photograph the Mannekin Pis. [I never understood the love of this small bronze statue but it represents Brussels. Perhaps it?s found in the irreverence of the artist. Paula was our guide for several days here. Her stellar knowledge brought the history of Belgium to life, particularly the time when King Leopold purchased the Congo as his personal playground. Paula deeply cared for her work and later invited us to visit yet another chocolate factory, but fully sated, we declined. For free time we dispersed into tiny alleyways to intentionally get lost. Some searched out beer halls or hot sugar waffles, as others shopped for tapestries at give-away prices.

Things become a bit blurry from here. I?d taken some great notes on napkins throughout and managed to loose them all enroute. But memory serves well as we head to the capital of Flanders and enchanting Bruges. This town is a complete UNESCO World Heritage Site with a tranquil character that can?t be described. The people have done so much to protect its medieval feel, it provides the magical affect of stepping back into time. It is called ?Little Venice? and we enjoyed a boat cruise through the veritable maze of old canals that led to the Lake of Love. We strolled through ancient squares lined with houses of gabled rooftops and various cathedrals of holy this and holy that. Horse drawn carriages filled the cobbled streets. We entered the neo-gothic Basilica of Holy Blood and climbed 365 steps up the Belfry Tower with its carillon bells that chimed so loud it could blow an eardrum. We visited the cities finest lace shop for a demonstration on lace making, which I anticipated to be as exciting as watching paint dry. It was however, quite fascinating watching the delicate work of this 500 year old cottage industry.

We viewed an 18th century handkerchief so intricate that it took 4 ladies nearly 10 years to complete! All for a distant royal bride to blow her nose on.

I think I walked 67 kilometers that day. (Life lesson #122- NEVER wears heels on cobbled streets.) Bruges is entirely cozy and colorful, as if stepping into a postcard. At a caf?, I splurged on a waffle topped with chocolate, fruit and ice cream, so far, so good. For our entire trip we were blessed with no rain and perfect weather.

I?m a city girl at heart and was happy to depart for Holland. William of Orange is our jovial driver who just loaded our suitcases that have now swelled to 71 pieces. This is a super double-decker with plenty of room for our 150 mile journey. I joked on the mic as we crossed the border into Holland that there will be a 3 hour time change and never to drink the water. Much to my surprise my dear novice travelers actually started changing their watches! We passed many Smart Cars manufactured by Mercedes and Swatch. These toy-like hybrid two-seaters are expensive, but so adorable. On arrival, we checked into the Novotel Amsterdam for 4 days of touring pleasure.

We boarded our private glass topped boat and cruised through a labyrinth of canals. Amsterdam has 140 miles in all. Our wonderful guide Marilyn commentated on the picturesque neighborhoods and unique architecture. I photographed the world?s skinniest house, built in 1664. It was 5 stories high and only the width of the front door! Many locals live on houseboats and the area starts to resemble a floating trailer park. Holland is about 100? below sea level. Pumps are used to constantly pump out water and basements do not exist.

The beer drinkers in this group loved the ?Heineken Experience? with plenty of tastings and virtual games all over this famous brewery. The shoppers liked the Coster Diamond Factory where we learned about cutting and polishing the precious stones. They locked us in a room with guards where a gazillion euros worth of diamonds were displayed. We each had are own agenda for free time. The art lovers explored the national museums of Rembrandt and Van Gough. Many toured Ann Franks House where one can really sense the drama as she hid from the Nazi?s in the tiny attic writing her diary. Others went to Edam for cheese and Delft for porcelain. I visited friends and indulged on Dutch pancakes of every style imaginable.

One day we visited Zaanse Schans, a typical village for total Dutch immersion. We began at the Ratterman Clog Factory where 3 million pairs are produced annually. They?re used for working in the fields and are still worn today. Wooden shoes do not stretch so how can locals proclaim these to be comfortable? I prefer my Jimmy Choo?s stilettos and instead buy tulip bulbs for souvenirs. We then visit a cheese farm and watched as they separated curds from whey. Here we bought enough wheels of flavored Goudas to make Wisconsin jealous. [We never considered the weight it would add later to our carry-ons. We explored the open air museum with a backdrop of working windmills. There were also small period cast farms with curious ducks, goats and sheep.

That evening I had dinner with a friend I usually only see once every 5 years. Paul says, ?Suzy, you are like a good old book in the library of my life that I tucked away. You re-enter out of nowhere. I dust it off and the memories return.? As we catch up, I thought I had some stories to tell but his life is as captivating as a best selling novel. He is an undercover agent in the Special Forces, trains Dutch combat troops in Germany preparing for tours in Kabul, works narcotics infiltration and is a body guard for the royal family. Kind of like Jack Bauer on ?24.? Everything is ?top secret? yet he reveals that he basically gets paid by the government to work out daily. Recently he transported orangutans form the Amsterdam zoo to freedom in Borneo.

The highlight of this trip for me was our 2 hour city tour on bicycles. We looked like a motley crew as we headed out into narrow cobbled streets and over countless bridges. As I peddled, I observed my group behind me. One woman is nearing 70, two are smoking cigarettes, Janice is talking to America on her cell and one unmentionable crashes into a car! She had to pay the driver for damages on the spot. It took complete concentration to cross the busy tram tracks. That morning we rode through Vodelpark and the Red Light district. It was interesting to see the prostitutes as they just woke up to get their coffee dressed in jeans and sneakers.

Holland is the land of the free. With prostitution legal, my group is most inquisitive on this matter. We laughed as Marilyn said,? Suzy, they all ask questions on sex. Are they frustrated??

I arranged a professional guided walking tour of the Red Light district in the oldest part of Amsterdam for the world?s oldest profession. Since the 1400?s, seamen would dock here to unload. Guides Gabriel and Shuert boldly led us through alleys of half clad ladies. No photos allowed. We?re told that some fear it?ll go out on the web. Our guides explained that some women are forced here nowadays and some are simply ashamed. Ladies differ in size, shape and color as we strolled through different quarters. On one street they?re all obese. We learned to identify the transsexuals by two things surgery can?t change ? an adam's apple and a straight waist. Tastes differ; the oldest woman here is 76 and only works in summer. Only half use protection and monthly health checks are required.

There are around 1000 prostitutes working 500 windows. They pay 150? to rent a window for 6-8 hours, and can make up to 450? per day. They pay taxes and can write receipts for services rendered. If the curtain is closed they are not on break. The area is flooded with tourists. Men pay 50? for 30 minutes, yet statistics reveal the average time spent is just 6 minutes.

We crossed ?Pill Bridge? named for the drugs pushed there and then toured the Erotic Museum with photographs and ?tools of the trade? dating back to the 17th century on display. As I pondered and stared at a metal chastity belt, Gabriel said ?that blacksmiths always had a spare key which came in handy when the husbands were away at sea.? She also insisted the Dutch were far less promiscuous than Americans. I was concerned about my ultra-conservative teachers but nothing seemed to shock them. After awhile, our senses were over saturated and it became dull. The saddest sight was seeing a ?heroin hooker?. She was emaciated with glazed eyes and so many track marks that she had to shoot it now under her tongue. Police cameras were everywhere 24/7, there is little crime and we felt totally safe.

Pot and hash are legal here in over 400 ?coffee shops? that sell joints and ?ganja-space milkshakes.? Locals told me they felt Americans were oppressed by too many rules and can?t understand how our drug companies can sell meds on TV.

Enough on the wild side, this is also the art capital of Europe boasting more museums per square foot than any other city. Marilyn gave us a quick art lesson in a nutshell. She explained that this is the 400 year celebration of Rembrandt (1606-2006). He came from a family rich in windmills. As a child, he was an expert sketcher. Later in medical school, he did anatomical drawings of corpses from criminals. He studied more and soon rose above the Dutch masters with the ability to capture light and shadows in paint. He always began with a black canvas. Though blessed with enormous artistic talent, he couldn?t manage his finances. He died penniless and was entombed in a pauper?s grave.

Van Gogh grew up a lonely child and was very attached to his mother. His hyper-critical father didn?t like his artwork. He went to Paris to study the impressionists. He was schizophrenic and when he had episodes, it was seen in his paintings that grew wilder and wilder each time. He cut off his ear and later committed suicide. His paintings were discovered stored away in his family home. We learned so much here.

Many think they?ve seen Europe, but miss the countries with the most charm. Here we were enveloped by history, culture and all that the Old Continent should be. Also this wasn?t a typical EU vacation with endless museums and cathedrals, but a creative itinerary which provided large fun. Total cost was $1175 plus air (www.AdventuresForSingles.com 877-813-9421 or in GA 770-432-8225). Everyone?s favorite stop was Bruges, but for me Amsterdam was an urban masterpiece. I found the Dutch far friendlier than other Europeans. This visit rekindled my love for the Netherlands, that tiny country with 2 names. This time I looked through new eyeballs with my teachers who were experiencing their first trip abroad.

It was a wonderful group. One couple connected whom we later labeled ?The Honeymooners? and I hope they last. In flight home on Delta, I noticed among my sleepy group that some were munching on their chocolates that were meant for gifts back home. And once in line at US Customs, some were proudly wearing their new, brightly painted, uncomfortable wooden clogs. I just have to do this trip again.