Posts Tagged ‘Good’

Six Ways to Turn Your Good Writing into Great Writing

“Six Ways toTurn Good Writing into Great Writing” was conceived, developed, refined and tailored over the course of sixteen years. It will help writers of fiction, creative non-fiction, memoir and autobiography bring their writing to a higher level.
Six Ways to Turn Your Good Writing into Great Writing

Eat and Look Good

Healthy Eating and Super Food will guide you becoming and stay attractive, good looking than ever. *Affiliates – Earn 75% Commission. Visit www.EatandLookGood.com/affiliate.html for free affiliate tools.
Eat and Look Good

Secret Good Luck Improvement Guide To Increase Your Luck

Step By Step Secrets To Improve Your Luck Overnight With Lucklover’s Good Luck Secret Guide. Affiliate Earns $30 Per Sale, Conversion Ration 2:10 EveryDay Attract More Buyers, New Sales Page With Quality Graphics.
Secret Good Luck Improvement Guide To Increase Your Luck

Get Good Grades In College Now

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A Good Speech

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A Good Speech

A Few Good Tips for Teaching Personal Finance to Your Kids

The world of finance has changed dramatically over the course of recent decades. It wasn’t all that long ago that all that a young person really needed was an active savings account and some common sense and they were pretty much OK. Times have really changed though and now each day a persons mailbox is stuffed with glossy come-ons from predatory lenders that only point up the fact that banks are no longer the “friend” of the consumer.

Teaching Personal Finance is Important Today

So if it seems that every lending institution is determined to strip their clients bare, where does that leave todays young people who have to face an even more stark future in the world of personal finance? What this all points up to is that the first priority of every parent should be teaching personal finance to their kids no matter how young they are.

Shark Infested Waters

Where to start though? Have you taken a recent look at todays average credit card contract? Its three pages of fine print that detail every method that they are going to screw you out of every dime that they can get. The problem though, is that it is written in todays “financial language” which is incomprehensible to the average consumer.

Its Each Parents Responsibility

The good news is that there are now places to procure comprehensive teaching material such as videos and courses online. This teaching material is custom crafted for the eyes and ears of young people and it comes in beginner, all the way up to advanced levels. Teaching personal finance to your children is the best gift that that you can give them right now and it is something that they will thank you for when they get older and out on their own.

Learn the Easy Way or the Hard Way

Remember, that there are two ways to learn things in life. The first way is the easy way and the second way is the hard way. If you fail to teach personal finance to your kids the easy way when they are young then others will teach them the hard why when they are out in the world on their own.

Apartment Finance, the Good News

Apartment finance is weathering the current credit crisis nicely compared to other sectors of the commercial mortgage business.  For example, owner occupied conventional mortgages are experiencing significant restrictions and loan requests above 60% loan to value, that do not fit the SBA guidelines have few, if any options.

In contrast, 80% financing on purchases and 75% loan to value on refinances, is still an option with apartment loans.  Long term fixed rates, like five, ten year and even 30 year is available.  Also, interest rates themselves are very low (2/10/09) as we are seeing low 6%’s and even high 5%’s for strong borrowers on these long term high rate.  As a result many borrowers that went with floating conduit loans are now opting to refinance into long fixed rates due to concerns with where rates will go if inflation kicks in.    

Apartment Finance

One of the main changes with multifamily finance is with underwriting going “global”.  Many veteran multifamily owners will be unaccustomed to the additional scrutiny.  Historically, most of the underwriting focused on the property itself, primarily in concern to the cash flow of the property.  Better known as the debt coverage ratio, underwriting wanted to determine if the properties income could carry all of the associated expenses, and the proposed loan.  That’s essentially was the main focus.    

Now however, underwriters also want to examine all of the borrower’s income and expenses both personally and from other, none related businesses.  What they are investigating is whether the borrower is above water on a cash flow basis, over the entire financial picture, including the subject property.    

Most borrowers will put up with the additional “brain damage” as they really have no other choice with apartment finance.  As the golden rule points out “he who has the gold, makes the rules”.  And besides just accepting it, the loan programs are still very attractive for the borrower. 

Financing Air Purifiers Is A Beginning Approach To Good Health

Purchasing an air purifier is a good investment for many people interested in their own health and the overall condition of the environment around them. Air purifiers can serve many useful purposes by cleaning the air and ridding it of known contaminants such as second-hand smoke from cigarettes, dust mites, cat dander, viruses, bacteria and many others. They can also be helpful for those who suffer from allergies of an environmental or seasonal nature. The air purifiers help to remove pollens from the air as well which contribute to hay fever and other allergic reactions.

While it is always wisest to make purchases that you can afford to pay for in full, financing air purifiers is sometimes the only option that one has, especially when a serious health condition requires the use of an air filter.

Smart Choices For Financing Air Purifiers

No matter what one’s reasons for financing an air purifier, there are smart ways to begin the process of making your healthy purchase. The first tip is to look for the most cost-effective model on the market, while continuing to analyze the quality of the product. Purchasing a cheaply made product will cost more in the end than a more expensive brand because the chances of the filter not working properly are greater. Yet, purchasing the most expensive brand can leave one in a financial hole that is difficult to overcome. Research all the brands and ask those individuals who actually own an air purifier what their advice would be. This is the first and most important step to financing air purifiers.

Another option when financing air purifiers is to borrow the money from someone that you know and trust instead of a bank or manufacturer. The problem with borrowing money from a bank is that the interest rate is often very high, and it is not wise to pay more than one needs to. Borrowing from a trusted friend or family member is not always a good option either, yet when it comes to financing, a friend is usually a better way to go, as they will not usually charge you interest when paying the money back. Remember to always pay this person back in full as soon as possible, as you don’t want to end a relationship over money issues.

Financing air purifiers depends on what the needs are in the home as well. If your home is very large, then more than one purifier may be necessary, yet this decision must be weighed against becoming indebted for a product as well. Making wise and well-planned decisions can help you overcome the urge to overspend while at the same time help to enhance the health of your home and yourself.

Is It A Good Idea To Microwave Capri Sun?

Poll: What’s your favorite type of drink? www.micropoll.com Experiment #159: Capri Sun Ever since Jory first saw those early Capri Sun commercials (or maybe it was Terminator 2… he can’t remember) he’s wanted to attain the ability to morph into a liquid silver goo… maybe heating it up in the microwave is the answer!? So, you’re probably wondering, Is It A Good Idea To Microwave This? Tune in to find out. Twice a week, microwave specialist Jory Caron microwaves different objects… so you don’t have to! The “Jory Caron Microwave Laboratory 2.5″ is a state-of-the-art facility equipped with tinfoil shielding, a ventilation system, emergency surge protectors, safety clothing, and many sexy microwaves. ** New Episodes Every Monday & Friday! ** +++++++++++++++++++++++ Support The Show! FAQ Video: tinyurl.com Merchandise: tinyurl.com Facebook: ideoProductions.com Live Show: ideoProductions.com Donate $$: tinyurl.com Jon’s Twitter: twitter.com Jory’s YouTube: tinyurl.com Riley’s YouTube: tinyurl.com ++++++++++++++++++++++++ Starring: Jory Caron, Jonathan Paula, & Riley McIlwain Filmed & Edited by: Jonathan Paula An ideo Production – © 2009. ~

[Great Movie Scenes] Good Will Hunting – Park Scene

Just a terrific scene. I don’t know what else to say. Great acting by Robin Williams. You call actually feel what he is saying. A little background: Matt Damon sees a painting in Robin Williams office, who plays his psychiatrist, and assumes he knows everything about him by just looking at it. Needless to say, Robin Williams is pissed, and this is their next meeting.