Archive for December 8th, 2007

Build Equity By Choosing The Right Mortgage

Saturday, December 8th, 2007

Homeownership is the key to building wealth for most people because it is an involuntary savings account. As you pay down your mortgage each month, the value of your interest in the home rises.

Equity is a beautiful word as every homeowner knows. Once you get used to making your mortgage payments, you can rest assured that you are creating a nest egg every month. Throw in the appreciation on the property and your nest egg can grow large before you realize it. This savings account, better known as equity, can provide the means for putting your kids through college, dealing with emergencies and retiring.

Building equity is fairly simple. Just make your monthly mortgage payment. There are additional steps you can take to move the process along at a faster pace. These steps are all about the type of mortgage you obtain when you purchase your home.

When you purchase a property, particular for the first time, it can be a stressful event. Right or wrong, most people tend to take anything they can get in a mortgage loan so they can meet the closing of escrow. This is understandable, but can come back to haunt you financially. If you can step back from the chaos for a moment, you might consider the following options that will help build equity.

A 30 year mortgage is the default for most homebuyers. It is the first thing that comes to mind and most assume it is the safest option. A 15 year mortgage, however, is going to cut down on the total interest you pay on the loan as well as supercharge your equity growth. The 15 year loan is far better than a longer option, but only if you are absolutely sure you can meet the monthly payment requirements. If you have any doubts whatsoever, there is another option that you can consider.

Making prepayments on principal is a simple, proven way to build equity. The idea is to make an extra monthly payment when you have sufficient cash to do so. Effectively, you use your home as a savings account by doing this. The advantage over other investments is the equity growth should be tax free. Before taking this step, find out from your lender if there are any prepayment penalties. Regardless, making two of these payments each year will quickly build equity in your home.

If any of these ideas sound interesting, you can still take advantage of them even if you currently have a mortgage. Refinancing your mortgage gives you an opportunity to correct mistakes you made when you more focused on getting through escrow. Talk with a mortgage broker to find out your options.

Sergio Haros is with Great Western Mortgage - San Diego home loans provided by San Diego Mortgage Brokers. Great Western Mortgage is a San Diego mortgage company providing San Diego mortgages, San Diego home equity loan and San Diego mortgage solutions.

Stock Car Insider - June 5th Issue

Saturday, December 8th, 2007

Upcoming Events in the World of NASCAR

Next week, the NASCAR Nextel Cup teams head to the “Tro-Val”, as Darrell Waltrip affectionately refers to Pocono Raceway, for the Pocono 500. Pocono is always a challenging track that offers amazing racing. It boasts 3 straightaways, including the longest in NASCAR, with 3 sharp, road course like turns.

Like the Coca-Cola 600 of 2 weeks ago, the Pocono 500 is particularly stressful on the engines and transmissions. Drivers have to down shift going into the sharp, flat turns. Often times, drivers will use down-shifting to help brake and lose the enormous speeds they carry coming off the long straightaways. This creates more stress on the transmissions thus causing a few failures by the end of the race.

Next week at the “Troval”, expect Carl Edwards to continue to make his move to qualify for the Chase for the Championship. In two starts at Pocono, Carl has 2-top 5 finishes with one of those top 5’s being a win.

Also expect the following drivers to do well next week:

Other drivers to note:

Jimmie Johnson - Average Finish 8th
Jeff Gordon - Average Finish 10th
Mark Martin - Average Finish 11th
Brian Vickers - Average Finish 11th

Next Week’s Schedule:
(all times CST)

Nextel Cup: @ Pocono Raceway
6/10/06 - 11:05pm NASCAR Nextel Cup Pocono 500 Practice
6/09/06 - 01:45pm NASCAR Nextel Cup Pocono 500 Qualifying
6/11/06 - 02:10pm NASCAR Nextel Cup Pocono 500

Busch Series: @ Nashville Superspeedway
6/10/06 - 10:30pm NASCAR Busch Series FEDERATED AUTO PARTS 300 Practice
6/10/06 - 04:05pm NASCAR Busch Series FEDERATED AUTO PARTS 300 Qualifying
6/10/06 - 07:05pm NASCAR Busch Series FEDERATED AUTO PARTS 300

Craftsman Truck Series off until 6/17 @ Michigan International Speedway

Who’s Hot?

This week’s Who’s Hot section could be dedicated to any number of people. Those at the top did what they had to do to protect their current standings. This includes Jimmie Johnson who made an incredible come from behind run to finish in 6th place and preserve his slot as the leader in the points race.

Those fighting to get in or stay in the top 10 posted strong finishes to help their cause. Greg Biffle (finished 8th) & Carl Edwards (finished 15th) each had solid finishes to help them inch closer to the top 10. While Kevin Harvick and Jeff Burton each finished in the top 5 helping to solidify their top 10 standings.

Despite all the positives that happened at Dover, no positive was bigger than Jamie McMurray’s finish. All season long, McMurray’s team has struggled to finish anywhere in the top 10, much less come close to winning a race. However, with two successful weeks in a row (an 8th place finish in the Coca-Cola 600 and a 2nd place finish at Dover), the #26 team has seemingly righted the ship and are sailing on the track to success.

The true test for Jamie McMurray will come next week at the Pocono 500. In 6 starts at Pocono, Jamie’s average finish is 20th. He will need to finish much higher, and on a consistent level if he plans on qualifying for the Chase for the Championship!

Who’s Not?

In the past two weeks, Jeff Gordon has been sliding down the points standings and flirting with the dreaded number 11th slot (Nextel Cup teams have to be in the top ten to qualify for the Chase for the Championship). There are many teams out there who would give their “left lugnut”, as Maynard from the movie ‘Cars’ says, to be in the 11th slot.

However, if you ask Gordon or anyone else on the #24 team, and they will tell you 11th place flat out sucks. They were there last year, and never plan to return.

Expect the four-time NASCAR Cup champion to start turning up the heat in these next few races. Of all the current Nextel Cup drivers, Gordon is the 3rd most successful at Pocono. His average finish in 26 races at Pocono is 10th. For all of the
Rainbow Warriors out there and for all of NASCAR, let’s hope Jeff can turn his season around and qualify for the Chase!

Last Week’s Headlines

The Monster Mashes that occur at Dover International Raceway twice a year offer some of the best racing on the Nextel Cup circuit. The high-banked turns and straightaways gives drivers multiple groves to race. A “grovey” race is what fans pay money to see. They want to see cars side-by-side running different grooves trying to out-muscle each other for the win.

This is exactly what happened yesterday at the Neighborhood Excellence 400. I believe I saw some of the most exciting racing of the entire season in the last 30 laps. Jamie McMurray was out in front running the high grove. Multiple times, Kevin Harvick would pull up beside McMurray in the low-grove trying to complete a pass. No matter what he tried, Harvick just could not pass McMurray on the inside.

However, along came Matt Kenseth whose car was eating the inside grove like Fat Back McSwain eats pork rinds. At last, 3 laps from the end, Kenseth passed McMurray and held on to win the race. This was truly some exciting racing that even left Darrel Waltrip quivering at the end.

Other performances to note:

Kevin Harvick, Jeff Burton, and Kyle Busch all helped solidify their top 10 standing in the points race by finishing in the top 5.

Jimmie Johnson overcame a problematic day to finish 6th. Jimmie’s bad day started early by beginning the race in 42nd position. 33 laps into the race, Mark Martin overtook Jimmie putting him one-lap down. Later in the race, Jimmie on separate occasions spun out twice. However, in true championship form, Johnson and his Lowe’s #48 team overcame the adversity and finished in the top 10.

This article is provided to you by Everything Sports, Inc. http://www.everythingstockcar.com/ is owned and operated by Everything Sports, Inc.

Guide to buying a digital camera

Saturday, December 8th, 2007

The digital camera market today offers buyers a large number of
choices, with products in widely differing price ranges, sizes
and degree of operational complexity. From miniatures the size
of a credit card, to fully functional professional SLR (Single
Lens reflex) systems, you can buy a digital camera from
manufacturers including traditional camera brands such as Canon,
Pentax, Nikon, film companies such as Kodak and Fuji, and
consumer electronic companies like Sony. Then there are other
options that include the mobile phone manufacturers, and webcam
suppliers.

The advantages of digital photography are numerous. Topmost is
the fact that there is no film processing: expensive both in
cost and time. But there is also the advantage of smaller sized
equipment, portable media and instant picture viewing. And if
you don’t like what you see, you simply delete it and shoot
again: no wastage.

If you like to take pictures, being a digital photographer makes
a lot of sense. But which camera is the best one for you? In a
field of excess abundance, how do you narrow down what you need?
How much to pay? How many megapixels? (What are they anyway?)
Which brand? How much memory?

Every shopper is different.

At MyShopping.com.au we recognise this fact, and so we list
practically all brands and models from hundreds of suppliers.
These listings include the cold hard digital data facts about
each camera and a range of comparative pricings offered by
different suppliers. But just as every shopper is different,
every photographer is different too. And just having the facts
may not make you feel any more knowledgeable about which camera
is right for you.

You could begin with the question: What sort of pictures will
you take with your new digital camera? This is a valid starting
point because from here you can begin to qualify your
requirements in terms of technical capability and price. What
sort of pictures will you take with your new href="http://www.myshopping.com.au/PT--43_Digital_Cameras" rel="nofollow">digita
l camera? Is it simply for happy snaps whenever you get
together with friends and family at weekends and holidays? Or
are you a serious bird watcher and you want to capture nature at
its finest? Perhaps you want a camera for work to record your
inventory, or recording information from a client. Maybe you’re
a PI on a mission. The point is, you need to begin by
recognising that your reason for buying a digital camera may not
be the same as that of your best friend who is recommending the
model she bought.

Once you’ve figured out the sort of pictures you are going to
take, you can then set about deciding on the type of camera that
will meet your needs. If you need something highly portable that
fits in your shirt pocket or your handbag and lets you take it
anywhere you go, make size a big consideration. If you want to
take seriously good photographs, and you want to pursue an
artistic endeavour, make image flexibility your main concern.

It might also be worthwhile considering your own position in the
digital photography experience. Are you a novice about to buy
your first camera, do you have some intermediate experience, or
are you an advanced user?

Someone new to the market will likely not want to spend a lot of
money, nor have a lot of mind-boggling features that leave you
confused. There are cameras ideal for beginning users that have
basic ‘point and shoot’ features including optical and digital
zoom lens, flexible storage media and built in flash. There is a
huge range of cameras available with simple features at low cost.

If you consider yourself an intermediate user with some
operational knowledge of digital camera technology, you may want
to consider more advanced features that give you more control
over the pictures you take. These features usually come in a
range of automatic settings and manual settings for capturing
the image and different storage options in terms of resolution
and picture type (raw data, jpeg, tiff). Naturally there is some
cost attached to additional features when compared to more basic
cameras.

For advanced users, there are a lot of professional options you
can consider; such as SLR view finding and lens interchange
ability. Cameras in this range provide much greater control over
the image, both before and once it is captured. These options
include shutter speed and aperture adjustment, and many cameras
offer the ability to manipulate images ‘in camera’, such as
cropping, and brightness and contrast adjustments.

After the picture is taken

A further main consideration is what are you going to do with
your images once you have them? The great beauty of digital
photography is the simple fact that you can store them on
digital media such as CDs and media cards, and view them on
computer screens and in many cases, your television. You need
print only when and those you want to see, or show to others.
Digital photography also gives fantastic opportunities to
manipulate your images using popular image manipulation
programs, resizing them, altering brightness and contrast
characteristics, and correcting problems such as red eye, or
removing skin blemishes.

Most href="http://www.myshopping.com.au/PT--43_Digital_Cameras" rel="nofollow">digita
l cameras are computer ready, able to plug directly into
your PC or Mac using USB connectors. They usually include
proprietary software allowing you to easily and instantly manage
your image files in photo albums or slide shows. Many digital
cameras also include a video capture facility enabling you to
take short motion pictures.

What you want to do with your images after you have them can
have an impact on your choice of camera. If you want to make
enlarged prints for example, you will want a high megapixel
capacity (also talked about as ‘resolution’). If you want images
for website use, you will want to get the best quality images
that can be reduced in resolution without severe degradation.

Beauty is in the ‘I’

Great pictures usually come from great conditions. You capture a
great moment, the light is just right, the subject is at the
perfect distance, the image is perfectly framed. But not every
digital camera offers the flexibility to make the best of
existing light conditions, or position. Most digital cameras
(certainly at the budget end) come with a built in automatic
flash, which is terrific for happy snaps in darkened
environments. And the automatic flash automatically does not ‘go
off’ in bright sunny conditions. But in those times when you
want to use the existing light, you need a camera that gives you
manual control over the operation or not, of the flash.

Moreover, most digital cameras in the lower and medium price
ranges are highly automated. If you are moving from a
traditional SLR film camera where you have maximum control over
shutter speed, aperture and ISO speeds, it may be frustrating to
not have easy access to the same range of tools to take
advantage of existing light conditions.

In the more advanced (and therefore more expensive) range of
digital cameras, most lens and aperture functions are available
in exactly the same way as other SLR systems. What differs is
how the colours and light of the image is translated through
pixel capture compared to the chemical processing systems.

You may want a wide range of focus options. Most href="http://www.myshopping.com.au/PT--43_Digital_Cameras" rel="nofollow">digita
l cameras have two different types of image magnification,
lens magnification (zoom) that may be equivalent of a 35mm to
150 mm lens, and a digital magnification that may be to ten-fold
(expressed as x10). This provides you with zoom lens capability,
which may be limited in its depth of field control and is
subject to soft focus and movement if the conditions aren’t just
right, and a digital magnification of the pixel image. If being
able to capture magnified distant images is important to you,
you need more megapixels, and a lens system that gives you some
control over its focus and aperture management.

A final word on accessory

href="http://www.myshopping.com.au/PT--43_Digital_Cameras" rel="nofollow">Digita
l cameras are electronic equipment. That means they run on
batteries, and if you use your camera a lot, you will find that
you will be frequently replacing batteries. Some cameras have
rechargeable batteries; others simply use dry cells (AA), which
you can of course load with rechargeable ones. It pays to have
spare batteries so that you always have a charged power source.
Some cameras have docking stations to help manage the connection
with computers. Many digital SLR cameras have interchangeable
lens systems, some of which may be compatible with traditional
film SLRs.

You can also print your own pictures at home with special
printers that handle standard photograph paper, and connect
directly to your camera. Although it may be less expensive to
simply take your camera’s card, or a CD to your local camera
store, and now many supermarkets and department stores, and use
the automatic printing machines to print the images you want.

There is a lot you can do with a digital camera, and you can pay
les than $200, or more than $10,000. It all depends on how you
see yourself as a photographer, what you’re shooting, and what
you want to do with your pictures. At Myshopping.com.au you can
very quickly compare
specifications and prices
.

Unlocking Your Treasure Trove Of Contacts Can Uncover A Gem Of A Customer

Saturday, December 8th, 2007

When we are setting up new telemarketing campaigns, one of the first questions clients ask is “will you provide the database”?

Probably the single-largest determinant of success for a marketing campaign is the prospect list: the potential customers you want to target. The initial reaction of most A&P clients is immediately to go out and buy a chunk of names by size of company in their local area. But often this is a very crude way of deciding where you want to get customers from.

By far the best source of new business is people you know. Perversely, many people new to marketing argue that, if they have not bought yet, well they won’t buy if I ask them again. No! No! No!

One marketing theory states that future customers need to be exposed to your company 7 times before they make the decision to buy from you. So you are far better contacting people that you have met at networking meetings, that are fellow members of a Chamber of Commerce, may have seen your advert, visited an event you exhibited at or in any other way may have been exposed to your company or product.

So the very best list is in fact your existing customers to whom you can cross-sell or up-sell. So always start with your own contact base.

Hopefully, as a consummate networker, you enter the details of every person you meet at networking events onto your contact database. Almost everyone has Outlook and that offers a great basic contact management tool. Even if you don’t think you will do business with someone, if you pick up their card, they should go on your database.

So let’s assume you have been systematic. If you meet on average 10 people at an event, you attend one a week, in three years you will have 1500 new people on your database. What a goldmine!

Next, before you market to them, you need to segment the prospects. Rarely is their location of prime relevance, even though A&P clients often ask for appointments near them. In most cases you probably communicate 90% of the time with your clients on the telephone or via email.

So pick the industry sectors and company sizes that are most likely to be interested in your product. The time you spend carving up your existing database will pay dividends. Because you will get a better response rate which means your money or time spent on telemarketing will reap you much better returns.

Andy Szebeni is director of sales training and telemarketing company A&P. For more information and free tips and hints go to http://www.a-and-p.com.

HIV-Muscles: This is the Title of a New Book about One Man’s Battle with HIV

Saturday, December 8th, 2007

Today Lavaine is doing well and able to go about life in a manner which would never have been thought possible in 1986. This was the year which he was diagnosed as HIV+. The first treatment for HIV was called AZT, in 1988.

By 1995 other treatments had been developed but with very limited success. At that time much research had been done and it was found that more drugs than just one or two used together could in most cases ‘demolish’ the HIV to such an extent that it was unable to replicate in the body.

This was to save countless lives and those people who are fortunate enough to live in countries where these drugs are available have a very good chance of living with HIV, and not progressing to Aids.

The HIV virus is notorious at being able to ‘hide’ in the human body, so there is no cure. The drugs available are in various classes and although they work in different ways, are formulated to prevent the virus from replicating. HIV attacks the very cells which are there to fight disease and mop up pathogens which are entering the body every moment. A lack of these cells inevitably leads to infections going unchecked, which in turn lead to serious illness.

There are cases of a very small number of people who are resistant to HIV. Some will never become HIV positive, Whilst others who do are very slow to become ill, and are termed ‘Lon-term non-progressors.’

Perhaps Lavaine is one of these but doctors have always treated him as any other patient, with similar treatments.

So the book is available and is downloadable from the website: HIV-Muscles.com. It costs $9.99 and for every book sold 1$ will be donated to Aids Charities.

Written by Ray Penn, Author of HIV-Muscles.