Residential Real Estate Investing | Real estate

This is the flip side of homeowners that have found themselves unable to pay for their mortgages payments during the recession. Many individuals with the knowledge, and resources have been able to capitalize on the situation in the form of residential real estate investing. Real estate has long been one of the best vehicles to wealth for many individuals in history. More millionaires have been created in the United States through the investment of real estate than in any other industry.Since the beginning of the recession in 2007 real estate investors have seized on the opportunity in residential real estate investing throughout the US at discounts prices up to 50% off the properties markets value. How are these prices created you might ask. When the recession started many employers reduced their work forces in large numbers this created a domino effect in the market place. After several months of unemployment many homeowners began to stop making monthly mortgage payments on their homes. Banks and mortgage companies suddenly found themselves with massive amounts of delinquent mortgage payments on their hands more than they could handle all at the same time. In an effort to resolve this problem these mortgages companies and banks started issuing homeowners notices of default in an attempt to get the homeowners to begin paying on their loans again.This effort was not successful, and on top of that some mortgages that were originated several years prior to the recession had adjustments in interest rate built- in to the mortgage that automatically were scheduled to increase the monthly mortgage payment on homeowners for some $1,000, or more per month which added more troubled mortgage payments as homeowners were not able to pay the increased payments on their houses. This nearly brought the US financial system to a complete standstill which had not happen since the Great Depression of the 1930′s. So, with banks and mortgages following through with their normal practices of foreclosing on delinquent homeowners this created a large supply of homes at a bad time for the real estate market as a whole.Real estate values that had increased from 2003-2007 took a large drop in value almost overnight with an unsteady housing market new homeowners were unwilling to take the chance in getting caught up in the devalue real estate market. This is where residential real estate investing opportunities presented itself. Many of these individuals had been buying, and repairs homes through the boom period of 2003-2007 and had made a lot of profit in the process.So, they were fresh with cash ready to take advantage of this declining market. Banks had to sell this oversupply of properties as the US government bank regulators requires them to get these defaulted loans off of their books. As the only real buyer in the market banks began one by one selling off inventory at large discounted prices to residential real estate investors. These investors in turn made repairs to the homes, and as months went by some potential homeowners started hearing that there were lower prices available in the market place so they decided that they would take a chance at home ownership. The residential real estate investors started selling their properties that they had purchased from the banks at discounts up to 50% to these new homeowners. The new homeowners were happy as they were able to buy homes that were far less than they were able to buy that same home just a year before, and now they were getting new upgraded amenities that the real estate investor had thrown in such as new stain less steel appliances, upgraded cabinetry, freshly painted property through the home, and new flooring that was used to entice the homeowner to purchase.The residential real estate investing segment of investors continued to put more in more money into the market to purchase more discounted properties from the banks. They were making money hand over fist some properties were sold to profits of up to $200,000 to $300,000 per unit depending on where the house was in the country. This was good for business for these residential real estate investors. This trend continues to this very day, but the banks who found out how much these investors were making have made changes to their ways of selling the properties. Big profits are still available, but just not quite as big as the beginning days in 2008 through 2010. When the word got out how much money was being generated in the resell residential real estate market for distressed real estate properties new investors joined the group many of whom had never been in the real estate business prior to the recession. If you have ever thought about making money outside of your current employment there are still opportunities to make money in this avenue sometimes without the need for any of your own money or credit.The opportunity of the large money may not be there anymore, but what is wrong with making an extra $20,000 to $50,000 off of the sale of one property. Two or three property sells per year can put an extra $60,000 to $150,000 in your pocket up and above your current income without you having to leave your current job. This makes the residential real estate investing market alive, and well in 2013.

Natural Pet Therapy: How Feng Shui Therapy Can Heal Your Pet Cat, Dog, Bird, Horse or Exotic Animal | Pets

Pets are Feng Shui, according to Feng Shui expert, Yvonne Phillips — author of Feng Shui ABC.”Pets emit a strong, positive form of energy in your home because they are constantly in motion. There is no better Feng Shui for your home,” said Yvonne, “than having an animal run around spreading positive chi.”Pet Feng Shui for Pet Health & Pet EnergyYvonne noted that animals are drawn to the best energy in a room or home. Generate positive energy in your home, and you will enhance your pet’s overall health and happiness.”Your animal will lie down on the area that has the best energy in the home.”They will always lie down on a rug, instead of the hard floor unless they are a hugh animal and have lots of fur to keep them warm.”Pet Feng Shui with Fresh Food, Fresh Water and a Clean BedYvonne stressed that pets like fresh food and water the same as you do! They also like a favorite blanket and favorite toy, so spoil them with what they love.Pet Feng Shui by giving your pet a clean bed!”We have included them in our homes, so we should make the appropriate choices of where they sleep or eat in order to live with us successfully. You like a clean home, they like a clean home as well.”Pet Feng Shui with a Clean HomeYvonne raised another important pet Feng Shui issue: cleanliness. Keep pet plates clean at all times. Be sure not to leave soap residue in your pet’s dish or water bowl. Soap residue can be very harmful for animals. Pets, especially cats, are drawn to well lit areas (like the window sill). Make certain those areas are clean and accessible — that you don’t have anything in the way that can be knocked over.Pet Feng Shui with ColorCats can see several colors. My cat is partial to red blankets.Yvonne indicated that her cat is drawn to both red and green.She suggested that pet Feng Shui plates should be pretty and colorful. Yellow bowls and plates can create an especially happy pet eating area.Negative to plastic! I’ve tossed out all those tiny plastic bowls sold in pet stores.My cat eats from a colorful glass plate and drinks from a glass bowl. He’s much happier — purring throughout the entire meal.Yvonne recommends that you can also use red to energize and feng shui a pet’s eating area.The eating area should also be a protected space — a corner out of the path of humans. Cats (more so than dogs) like privacy while they eat.Pet Feng Shui with Natural Salt Lamps and Natural Salt CandleholdersIt’s difficult to determine if wall colors affect cats and dogs, but pets can definitely sense the energy flow within a room.I use Natural Salt Therapy for Pet Feng Shui in every room of my house.Natural salt lamps and natural salt candleholders release negative ions in abundance – known for enhancing your well-being, energizing the room and gently purifying the air.Natural salt lamps and candleholders cleanse and purify home air from harmful bacteria.They also combat dangerous indoor electro “smog” (computers, televisions, etc.) — thus further safeguarding your pet.And here’s another natural salt benefit. Salt lamps and salt candleholders radiate a stunning, soft pink/red glow.Pets are attracted to natural light and especially to the rich warmth of natural salt lamps and salt candleholders.Yvonne recommends natural salt lamps for her clients and also uses them in her own home.A Feng Shui basket of Salt Crystals will also elevate and harmonize room energy for your pet.Copyright by Dr. Joyce Starr, 2006. All Rights Reserved.**Attn. Editors: You are free to use this article, so long as the Copyright & Resource Box remain intact.================================================================

The Urban Fashion Difference | Fashion

What truly is urban fashion and how does it differ from other women fashion accessories?To begin with, urban accessories are a cutting edge trend in the fashion world. It has offered brilliant non-traditional innovations in the fashion scene. Like all other fashion styles, it generally changes with the season, though there are urban accessories that are mainstay fashionable in what ever time of year it may be. What makes it different from the women clothing accessories prodded in catwalks is that what shapes urban accessories are sublevel cultures or ethnicities rather than a showcase of a particular fabric.While urban fashion is associated and rooted with culture, it is not to be mistaken with street fashion or street wear. Both receive partial inclination with youth culture. Women fashion accessories in the urban genre is closely related with hip hop. On the other hand, street wear is deeply influenced by skate boarding or skatewear. It has a more retro and vintage feeling. It incorporates the popularity of old school dresses and vintage sneakers. It was later adapted in Japan receiving a major transformation, thus producing its own variation in the pop culture and youth subcultures – the hippies, punks, skinheads, gothic and more.The key difference of this fashion is that most urban accessories are designed to work comfortably and functionally through urban activities. Unlike the traditional feminine fashion which showcase a bit more stiff, neat and tidy eloquence, urban wear as women clothing accessories is all practical. Urban accessories need to be light. They are often simple but edgy clothing. And at time may include shout out messages as innovation. This fashion is designed for practicality, durability and for visual aesthetics as well.As a cutting edge trend in fashion, urban has developed a unique taste that differs from city to city world wide. In Japan, urban styles for women fashion accessories are often tight. Most clothes are endowed with accents of lace or prints. Long T’s has also been popular as edgy or feminine dresses. Japan has even gone effectively too unconventional producing styles of extraordinary mixes. They blend the cute, formal and casual wears with great success. They also managed to introduce a type of casual cosplay in the fashion trend.The common thing in urban accessories is it requires adding an ethnic element due to the different culture of large populations over the globe. This fashion must respect the dressing styles of every culture. There also are cultures that embraced others and have taken them in their clothing. A way they incorporate this element is by wearing different size accents and ethnic ornaments of shirts with culturally inclined prints.Overall, urban women fashion accessories have no rules. They are utterly dependent on the needs of the wearer. It is how your fashion applies to your life style. As culture has definitely transformed urban accessories, they tend to adapt the requirements of a specific area at a specific era. Knowing how urban differs from other fashion is a step forward to being identified as a true urban wearer.