Amankan Properti Anda, Siapkan Alat Pemadam Api Yang Memadai

Properti selain sebagai tempat tinggal ataupun tempat usaha, juga bisa menjadi investasi yang baik. Harga properti mengikuti harga tanah cenderung naik dari tahun ke tahun. Namun, apakah sebagai investasi, properti yang anda miliki sudah aman dari ancaman?

Selain perawatan rutin, anda juga harus mengamankan properti anda. Salah satunya dari ancaman bencana kebakaran yang sering kali terjadi. Pemicu kebakaran bisa apa saja, baik yang datang dari dalam rumah seperti kompor, alat dan instalasi listrik, maupun yang datang dari luar properti anda.

Sangat penting menyiapkan diri sebelum terjadi bencana. Sediakan alat pemadam api atau pemadam kebaran yang memadai di rumah atau properti anda.

Ada berbagai macam alat pemadam yaang dapat anda peroleh di pasaran. Aneka bentuk, kapasitas hingga jenis media pemadam yang digunakan. Carilah yang sesuai dengan jenis properti anda.

Sebaiknya anda mengenal media-media yang banyak digunakan sebagai alat pemadam api sebagai berikut :

Air

Air merupakan zat pendingin yang efektif dan sangat efektif digunakan pada kebakaran kelas A (bahan  padatan ) .Tidak boleh digunakan pada kebakaran di mana terdapat aliran listrik atau kebakaran kelas B ( cairan yang mudah terbakar ) , Kelas D ( logam ) atau Kelas F ( minyak dan lemak ) .

Foam (Busa)

Efektif untuk kebakaran Kelas B ( cairan yang mudah terbakar ) kelas A (bahan padat ) . Karena mengandung kadar air , Foam sebaiknya tidak digunakan pada kebakaran Kelas F ( minyak & lemak) tapi baik untuk digunakan pada kebakaran Kelas D ( logam ) .

Dry Powder (Bubuk Kering)

ABC Dry Powder sangat ideal digunakan untuk memadamkan berbagai kasus kebakaran di lingkungan dengan berbagai resiko. Dengan kemampuan pemadaman kebakaran kelas C, dry povwder adalah yang paling efektif pada kebakaran yang melibatkan gas yang mudah meledak

Karbon Dioksida  (CO2)

Karbon dioksida memadamkan api dengan memisahkan element oksigen pada api sekaligus melepaskan media yang sangat dingin untuk menekan panasnya api. Karbon dioksida cocok digunakan untuk kebakaran kelas B dan C. Kurang efektif untuk kebakaran kelas A.

Wet Chemical (Kimia Basah)

Wet Chemichal adalah salah satu media pemadam jenis baru yang bekerja dengan cara memisahkan panas dari elemen api dan mencegah pengapian kembali dengan cara menghalangi bertemunya oksigen dengan elemen bahan bakar yang ada.  media pemadam wet chemical untuk kelas K dikembangkan sebagai alat pemadam dapur-dapur komersial modern yang menggunakan high efficiency deep fat fryers. Beberapa jenis pemadam media ini juga dapat digunakan pada kebakaran kelas A yang terjadi di dapur komersial.

Dry Chemical (Kimia Kering)

Dry Chemical memadamkan api dengan cara menginterupsi reaksi kimia pada elemen-elemen api. Saat ini jenis media pemadam ini paling banyak digunakan dan dibuat dengan tujuan dapat memadamkan kebakaran kelas A, B dan C. media ini juga bekerja dengan cara menciptakan penghalang antara elemen oksigen dan elemen bahan bakar pada kebakaran kelas A.

Namun perlu diketahui bahwa dry chemical biasa hanya cocok untuk kebakaran kelas B dan C. jadi sangat penting untuk mengetahuimedia pemadam yang sesuai berdasarkan jenis bahan bakar yang ada pada kejadian kebakaran. Menggunakan media yang salah dapat memberikan peluang terjadinya pembakaran ulang setelah api padam.

Clean Agent

Clean Agent atau Halogenated adalah pemadam yang terdiri dari media halon yang cukup baru dan mengandung halocarbon yang tidak berbahasa bagi penipisan ozon. Media ini memadamkan api dengan menginterupsi reaksi kimia pada elemen-elemen api.  Alat pemadamm menggunakan clean agent umumnya digunakan pada kebakaran kelas B dan C. Beberapa alat pemadam Clean Agent berukuran besar dapat digunakan untuk kebakaran kelas A, B dan C.

Sumber : Pemadam Api Online

What to Consider When Renting a House

Renting a house can provide you more privacy than renting in an apartment. To make sure you have a good experience, take your time and think through your lifestyle objectives and your responsibilities to your landlord. Moving into a new place can turn into a nightmare quickly if you have expectations that are not based on fundamental realities. Asking a lot of questions before you sign the dotted line can save you from trouble later. Here are the very basic things to consider before renting:

The Budget
Take a hard look at your finances to determine your ability to make ends meet. Add up your monthly sources of income and make sure you have adequate cash reserve in your savings account if something goes wrong. In addition to your rental payments, budget for utilities, water and garbage expenses.

The House
Take a good look at the house you want to rent. Consider the time and distance of your commute to work or school. Ask about the utility costs and if any are included in your rent payment. Check out stairways for lights and security. Neighborhoods can project a distinct personality. Try to get a sense for the kind of neighbors you'll have. Consider nearby shopping opportunities and restaurant options if you enjoy the occasional meal out.

Rental Agreement
Your landlord will probably ask for credit references, personal references and your employment history. If you include a copy of your credit report with your application, you may gain an edge over other prospective renters. Your rental lease binds you legally to the terms it outlines. Read it carefully and make sure your understand everything you agree to when you sign the papers. If you are sharing the rent with a roommate, your signature could make you liable for your roommate's property damages or non-payment of rental obligations.

Roommates
You can certainly cut your expenses by sharing your house with roommates. Living together can ruin a perfectly good friendship, however. Compatibility issues you never imagined can rear their ugly heads easily when you share living space. Does your prospective roommate have a history of paying bills on time? You'll want to trust your roommate to enter into a partnership with you to share expenses, but also to meet other living obligations.

Tips Menyewa Rumah

Anda harus tetap teliti saat memilih rumah untuk disewa. Bagaimanapun juga rumah atau apartemen tersebut akan jadi tempat tinggal Anda selama beberapa waktu.

Pindah dari rumah yang satu ke rumah lainnya bukanlah perkara mudah dan bisa sangat melelahkan. Jadi pastikan Anda dan keluarga merasa betah dan nyaman menempati rumah sewaan tersebut. Dikutip dari This Is Money, berikut ini tips yang harus diperhatikan saat ingin menyewa rumah.

1. Survei Tempat Selengkap Mungkin
Sempatkan waktu untuk mencari tahu sebanyak mungkin informasi tentang rumah yang Anda sewa. Mulai dari lingkungan sekitar rumah, keamanan, tetangga, akses transportasi, fasilitas di sekitar rumah (apakah dekat dengan supermarket, sekolah, perkantoran, dan sebagainya) dan bebas banjir atau tidak. Berkelilinglah di sekitar kompleks rumah dan tanyakan informasi tempat tersebut kepada warga setempat.

2. Buatlah Beberapa Alternatif
Anda harus selektif memilih rumah yang akan disewa. Sediakan beberapa 'kandidat' rumah dan seleksi mana yang paling baik dan sesuai dengan budget. Jika tertarik pada satu pilihan, jangan langsung memutuskan untuk menyewanya. Periksa dulu dengan hati-hati, bagaimana kondisi bangunan, saluran air, sanitari, pintu, jendela, sampai aliran listriknya. Jika kurang memenuhi syarat, Anda bisa mencari pilihan kedua atau ketiga.

3. Negosiasi Harga
Ketika menemukan rumah sewa yang diinginkan, Anda bisa menawar harga sewa per bulan untuk mengurangi pengeluaran. Biasanya, harga sewa akan lebih murah bila Anda membayar untuk enam bulan sampai satu tahun ke depan. Jadi bila punya budget untuk setahun, sebaiknya bayar sewa sekaligus.

4. Pastikan Fasilitas yang Didapat
Sebelum kesepakatan harga, tanyakan apakah biaya sewa sudah termasuk pembayaran listrik, air dan keamanan. Hal ini untuk mengantisipasi pengeluaran uang Anda per bulannya. Jika uang sewa belum termasuk fasilitas tersebut, jadi Anda bisa menyiapkan uang untuk kebutuhan tersebut.

5. Jangan Ragu Melapor Bila Ada Masalah
Periksa keadaan rumah seteliti mungkin. Segera laporkan pada pemilik atau makelar rumah bila ada masalah. Misalnya, dinding atau lantai yang telah retak, lampu yang tidak menyala, aliran air tidak lancar atau pagar yang rusak. Pastikan pemilik sudah memperbaikinya sebelum Anda menempati rumah tersebut.

Understanding the Housing Price Forecast for 2011

The big statistic that most people want to know: might my home go up or down in value during 2011? Altos Research does not paint a rosy picture for the beginning of 2011.

This firm expects home prices to slide during the latter part of 2010 and into 2011 for a low that will compare to the bottom of 2009. From here, prices are expected to rise back up to 2010 levels.

While Standard and Poor’s forecast is more vague, it suggests that the weakness in the housing market over the summer of 2010 could lead to lower home prices if the trend continues.

Focusing on the good, the housing starts are expected to rapidly increase in 2011. This is a positive leading indicator for home owners and the real estate market in general. However, the short-term picture is a little bleaker. If you can afford to hold off on selling your home for another year or two, you might earn a few extra dollars profit.

The great news is that if you are interested in buying a home in 2011, you just might enter the market at a perfect time where house prices are low as well as interest rates.

Real Estate Trends 2010 and Outlook to 2011 (Part 2)

Please refer to article part 1, now we are going to have a deeper look. Other Real Estate Trends worth mention are in the arena of commercial properties: commercial properties have followed a different pattern than residential properties, holding on to the market value longer and only in this last year have started to lose their balance, as large mortgage notes have become due and refinancing has become harder. Some great deals are available in commercial investments, from larger apartment buildings to shopping centers.

This is definitely the time to buy and it will continue for another couple of years. Inventory in residential and now commercial properties is abundant, seller's contributions as allowed are more available and the Government (especially HUD) is providing grants and incentives not only to homeowners, but also investors, in an attempt to expedite the housing recovery.

Laura Al-Amery is a real estate investor and consultant with 23 years experience in several aspects of the real estate business. She has practiced real estate in Hawaii and Missouri, and presently lives in St Louis. She has hosted real estate seminars in St Louis for over 10 years, in real estate subjects like creative financing, building wealth with multi family buildings and short sales.

Real Estate Trends 2010 and Outlook to 2011 (Part 1)

Real Estate Trends in 2010 have followed a pattern that was expected: as mortgage rates and homes sales have dropped, inventories of unsold properties have risen. The inventory currently on the market is only a portion of a larger inventory of REO (Real Estate Owned) by banks, which is held back and released slowly over a period of time, in order not to cause an even greater decline in housing values.

As we approach the end of the year, trends of 2010 will continue into 2011, following the same general pattern, with a slow recovery expected towards the end of 2011.

Some speculations predicted that the recovery would have started towards the end of 2010, but with new problems in the international economic markets, it looked like we took a double dip into the current recession. However, economists state that a double dip recession is unlikely, although spending and investments in the established economies have been challenged by emerging economies, like India and China.

Real Estate Trends are following the larger economic picture: the mortgage crisis has indeed caused a lot of turmoil and scars, which have created a domino effect with high unemployment, low consumer spending, consumer credit slow down and weak housing markets.

The large number of homeowners, who have lost their house in foreclosure, are not going to buy another property in the near future, because of the impact of the foreclosure on their credit (banks will not even consider a mortgage for a borrower for 4 years, if he/she had a foreclosure, 3 years for FHA loans,) therefore there is a new population of renters.

Investors, who have access to capital, can acquire homes for 60 cents on the dollar or less, via short sales and REO. They in turn keep these properties as rentals and investments, waiting on an inevitable economic recovery and increase in values.

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What should I do in this economic situation?

Economic situation and development in the economic situation of Germany is currently governed by high unemployment, particularly saturated gains of export-oriented transnational liability companies, while job losses, especially by those same companies in Germany and largely stagnant or even declining incomes, while workers tend to extend the working hours on pressure from the employer identified.

The power of fund managers, stock speculators and other representatives of companies whose sole goal is the fast propagation of the capital entrusted to them is growing steadily. The result is that managers in particular, because they, unlike independent and responsible entrepreneurs and temporary employees of the large shareholders are dependent, in any case, if these major shareholders from such short term thinking and acting collective capital and profit-maximizing companies - so-called investment or investment companies - are , no long-term corporate strategies to develop and implement, but just remember, as soon as possible, reduce costs and increase profit - to hostile takeovers by other corporations to avoid - in the share price may increase.

Negative consequences society politically and economically, but also economically, this development is at a disadvantage: a business because the companies concerned will be exploited at short and long term competitiveness, because, first, to remain under investment, the only viable long-term, secondly, the strategic planning generally neglected, thirdly missing after the dismissal of waves experienced staff and it is later given the battered reputation of the more difficult, skilled new employees to win, and fourthly, to suffer the motivation of the workforce remaining balance, which usually have an impact on productivity, product quality and innovation remains.

In economic development is therefore harmful, because it is the number of unemployed increased, and the competitiveness of the German economy as a whole decreased. Politically society eventually leads to the development of a tripartite division of society into ever richer one expectant Aktien-/Kapitalbesitzer in workers who have trouble with their standard of living can hold or even cut, and the other in possession and powerless, from participating in social life lack of money is largely excluded from low-income earners, the unemployed and welfare recipients to third parties. It is quite conceivable that this development if it continues, long-term political consequences, because why should workers, the unemployed and welfare recipients a political and economic system in favor of the capital against the owners of massive and permanent disadvantage? Why should employees taxes on their income - that is, on the wages - pay shareholders and entrepreneurs for their shares and corporate and capital gains but not or hardly any? From the Basic Law, the full power and sanctity of the capital not covered. It says: "Property obliged. Its use is also designed to serve the public interest."

Managers and entrepreneurs on the other hand, may present their employees with impunity threaten and blackmail as well as the community eg through layoffs, early retirement, (legal) tricks and profit tax shifts harm. The strategy extortion - even against the state - has already been outlined.

Especially at high gains and dividend reinvestment instead of the same sort of behavior is not acceptable. But even at ailing companies is to ask: Is a temporary or permanent wage waiver is an appropriate means to the company competitive again for the long term, or a closure of operations in the longer term anyway inevitable? What do the managers of the company to the brink of bankruptcy gewirtschaftet have to clean up with? What the state is concerned, he is on his poor financial situation, particularly in the miserable financial situation of municipalities accomplice: Completely incomprehensible, for example, that many companies in Germany, despite rich gains little or even no taxes to pay - z . as an investment company if a company largely through loans and subsequently bought debt repayment and the acquired companies to bear - and that capital gains are tax free.

Is also difficult to reduce the top rate in spite of empty state treasury, which, logically, mainly benefited the top income earners. In jobs in Germany has invested the money so obtained by such recipients apparently never, or hardly ever. Given the remedial action outlined the negative consequences it is necessary, whereby the power of fund managers, speculators and short-term investors with maximum expected returns back.

At the same time provide incentives for managers to be so that for them long-term strategic action is worth more than short-term profit maximization on the basis of raising resources and employee exploitation. In addition, the division of society into rich capital owners, workers without significant reserves and poor low-income earners, the unemployed and welfare recipients as possible reduced. Unemployment could be, as already discussed by the skills of the unemployed and job-sharing is largely eliminated. The only hope and wait for a sufficient economic growth, the unemployment is not reduced. Even low-wage jobs or by subsidizing their wages are combi little sense, because with cheap products and Einfachstjobs Germany can maintain its position on the world not say. In addition, areas of economic decency and common sense that a job at least as well paid to be that which an individual can live in dignity.

Furthermore, the severity of wages and skilled labor into account. Minimum wages, or an unconditional financial Grundsicherung all citizens could be a drop in wages in a decent level prevented. Qualification and are working on a permanent reduction imperative: In the production area are almost all jobs for unskilled gradually eliminated through automation. But even in the service sector, many jobs - such as in sales, at the counter or at the checkout - wegrationalisiert or - eg in customer services - simply deleted. Even where personal assistance unlässlich, eg for the elderly and nursing, has summarized the work of years, fewer and fewer qualified, permanent staff and far too little time for each patient care event and the estimated remaining staff ruthlessly exploited .

This is not only to help the companies by profit maximization, but also to the greed of many customers who are only on the eighth and price quality, service and proximity to customers is not rewarded, as well as - for example, are often old and inadequate care sick people in residential and nursing homes or the reduction of the "pocket money" for residents - and to the selfishness and the feeling of coldness of Homo oeconomicus. Avarice and greed are just not "cool", but poison for society. With the decline in unemployment would be - because the employers so that the most threatening and pressure would be taken - including the wages to rise again and again the funds available to the remaining unemployed and welfare recipients a decent life. Should be accompanied by the participation of employees in the company where they work, should be encouraged. That would not only staff the extra income, but usually the entrepreneurs while also motivated people to pay. The stakes, however, should not lead to the workers in a business bankruptcy is not only their jobs but also their entire wealth invested in the company lose. Appropriate safeguards would be necessary.

Adequate participation of employees in the company, possibly supplemented by a right of first refusal of the employees and / or the state in undertaking or planned share sales or a veto, would also be a protection against the sale and subsequent exploitation, destruction or closure of many previously healthy core businesses through investment companies or financially powerful competitors. However, there is also a co-determined by the workers at the enterprise market and therefore market-oriented goods at fair market prices produce.

The manager could be long-term strategic actions to move when their incomes are not driven by short-term successes such as the current rise in share price than on the medium and long-term business development depending made. Thus, for example, a company pension, depending on the average profits of the last fifteen or twenty years, a substantial part of all managers contracts. Each manager would then be wary of the company and employees auszuschlachten to dismiss, only to the share price in the amount of driving. In any case, there is a need for action by the legislature, as many limited liability for managers and supervisory boards now seem to have become self-service stores.

The shareholder control works just with the large public companies where the shares are widely dispersed, apparently inadequately and entrepreneurial participation by workers seems to be restricted in order to be effective. To the power of speculators to break the share price would have the best stable, medium-to long-term success or failure criteria and should be not only determined by supply and demand. That totally overvalued, not a profit-making firm Newcomer large companies to swallow, as in the high phase of the New Economy has occurred, for example, would then no longer possible.

The fear of managers from such acquisitions is justified and understandable, even if they are even in a hostile takeover is usually no need to suffer financial hardship, such as the case Mannesmann / Esser has shown. But even without the guidance of objective success or failure criteria could be the power of speculators limit. It would, for example, only a longer duration of share ownership in the taxation of share profits of stock sales during steuermindernd or a shorter holding period is much greater than previously steuersteigernd be taken into account. Of course, that capital gains are not - as today - after a few years completely tax free. In addition, one could shareholders with increasing duration of share ownership to spend more votes to admit the shareholder meetings.

It would also share ownership of natural persons and of funds or investment companies and equity of tax law to be treated differently. Basics Regardless of utility considerations, in principle, the question of what degree of financial inequality and thus more inequality also have to accept the people and are prepared to tolerate. The fact that someone with a good product or production or sales idea and the ability then to realize that as an entrepreneur financial benefits in the form of profits gained, is certainly in order. However, you may well ask, what the relationship between profit and use, given the low income of many others, at least as hard-working people is ethically justified.

For managers who are not with their own assets for their business decisions espouse, this question is of course all the more urgent. It is very problematic, even if shareholders or reverse speculators alone ensure that they are on the "right" or equity companies have set to be rewarded with profits, which, it was interest as usury would call, and if these profits not to sales successes of the companies concerned, but to wage cuts, layoffs and employment based compaction. If someone is gambling like the stock market - and nothing more than a gamble is the commitment on the stock at least for most private investors - and it involved other people, affecting their profits tax free or taxed hardly allowed to retain, as is currently usually the case?

The problem is certainly the law of succession: that of parents to their children as their assets undiminished want to leave is understandable, but that the state this request due to high allowances for inheritance tax, inheritance tax rates low for inheritance to their own offspring and the de facto exemption from inheritance tax in the inheritance of medium-sized enterprises is very largely, people who do not have rich parents, just as little sense, even if the exemption from inheritance tax on the inheritance of medium-sized enterprises actually operational and economic sense should be - what has so far been a mere assertion and has yet to be demonstrated. Social policy are the small inheritance taxes or the waiver of inheritance taxes in no way makes sense because it encourages the State has a continuing education or money aristocracy within which the assets undiminished or even gemehrt from generation to generation, while those who have little or not possess, from generation to generation, have little career prospects. Why, for example, may be a correspondingly large sized companies are not at the death of the founder (or earlier) in a cooperative farm or a corporation, where the heirs of the founder shares / shares in that extent, given their share of the Company after deducting the inheritance tax, and the state his shares to the employees of the company can resell? Generally, we again apply the Basic Law and to the social commitment of ownership, especially of such that is not a proper private life serves, but for other people is vitally important, from ownership of productive assets, such as shareholders' shares or stock and of ownership of rented dwellings, not just in rhetoric to evoke, but in practice to enforce.


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Advantages Buying Properties in the Time of Crisis

If you have some excess of money every month for loan repayment with good credit score history then, you seriously need to consider the opportunity that comes together with home loan crisis or known also as subprime loan squeeze.

In recent years, many financial institutions have been giving out lots of loans to Americans to purchase their dream homes without much concern about their credit history. As a result, many of these borrowers have defaulted their loans which have grown to a substantial amount and triggered the America's home loan crisis.

What does it means to you is there are lots of properties that are in the stage of pre-foreclosure or already foreclosure by the financier. Many of these properties actually are located in strategic locations nationwide, and the banks who call for the foreclosure could be selling them a very much lower price then the market value. This is because they are trying their best to recover their money as soon as possible to save themselves from being further sucked into this loan crisis.

Properties are known to be sold in the range 30% to 60% off its current market value by the financiers who call for a foreclosure. A person who is buying a property which is much lower than its market price enjoys almost instant home equity which could be used in future. Just imagine buying a property that has market value of USD200, 000 at only USD100, 000. You could save thousand of dollars. The property could be used either for own use or just as an investment. Many home investors are very keen towards foreclosure properties because of the high profit margin that the properties could offer.

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10 Small House Dos

Homeowner Sheila York knows you don't have to live in a palace-size place to reap the benefits of good design. In fact, smart space-stretching ideas abound in her 1,200-square-foot Michigan home, from room-expanding paint treatments to efficient ways for displaying treasures. Here, she shares her design dos and don'ts for other homeowners who have more style than space.

DO Start at the ceiling. Sheila hung the window treatments in the dining room from the highest possible point on the wall (just under the crown molding). Hanging the curtains high lets the fabric flow freely and tugs the eye upward.

DO Include built-ins. They take up almost no floor space but yield plenty of much-needed storage -- both perfect characteristics for a small house. Sheila assigned double duties to a built-in bookcase in the living room: It not only holds books and display items but also serves as a mini-bar.

DO Reflect on the situation. Mirrors and panes of glass act as room expanders when strategically placed to reflect something pretty. The small mirror next to the built-in bookcase in Sheila's living room doubles the number of pretty glasses in view. And she made the dining room lustrous by adding glaze to yellow paint so the walls reflect the limited light.

DO Open rooms to each other. Though it's important to clearly define separate spaces, some openness between adjoining rooms makes all of them feel bigger. Sheila's cramped kitchen used to be cut off completely from the dining room, but now a large pass-through connects the two spaces. In a similar way, her office joins the living room through a French door, which allows the two rooms to share the same light and views.

DO Define different spaces subtly. Separate one room from another without choosing completely different wall colors or flooring. A checkerboard pattern in slate blue on the floor of the dining room looks like an area rug without being bulky.

DO Give each room its own treatment. To differentiate it from the living room, Sheila rag-rolled the walls of the dining room; the living room walls are covered in yellow striated wallpaper. Although the tones are similar (and therefore unifying), the texture in each space is unique.

DO Opt for light colors. One law of color is that pale tones advance, thus expanding a room, while dark colors recede and shrink a space. Sheila's kitchen gets a lift from airy white cabinets; her bedroom glows with walls covered in white linen.

DO Draw the eye upward. This creates the illusion of more volume, which makes up for a lack of square footage. Crown molding, painted crisp white, defines the ceiling in Sheila's living room; striped wallpaper also stretches the height of the walls in the kitchen. The dining room walls boast a special treatment: A chair rail, set about two-thirds of the way up the wall, caps pieces of trim that run vertically to the floor.

DO Keep flooring continuous. Maintaining the same flooring material throughout the house imparts a sense of continuity; the eye does not jump from one room to the next but rather wanders easily between the spaces. Sheila's hardwood floors are light-stained to look even more expansive.

DO Invite the sunshine inside. Large windows usher in sunlight to bounce off the walls and brighten even the dreariest room. In an area that requires privacy, such as a bath or bedroom, put up window treatments that can be adjusted easily to let the sun pour in. Light from the windows in Sheila's master bedroom, for instance, is dappled by hinged shutters. Sheila can leave them closed to stave off the sun's hot rays, leave one ajar for a little extra dribble of light, or open all of them for sheets of sunshine.

DO Stretch your space into the outdoors. A patio, deck, or screen porch, such as Sheila's, goes a long way toward increasing usable space -- without the expense of adding on. Sheila's porch provides all the comforts of an interior room, including screens to keep the bugs at bay, an awning to protect against harsh sun, and cozy, welcoming furnishings that invite lounging. "It's my favorite room in the house," she says.

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Easy things you can do to protect your home!

Your home may not be as safe as you think. Fortunately, adequately securing your property isn't difficult. No matter where you live, here are some easy things you can do to protect your home when you can't be there.

1. Doors and Windows
Secure all doors and windows, including pet entrances and garage doors. An open window or door is an open invitation for burglars.

2. Sliding Doors
Secure sliding glass doors. Place a metal rod or a piece of plywood in the door's track and install vertical bolts. These will help prevent burglars from forcing the door open or lifting it off the track.

3. Indoor Lighting
Place timers on indoor lamps and appliances to light up your home at night. Set timers to turn on radios and televisions randomly during the day. Try a variable timer with 2 on/off settings per day. Before you leave for your vacation, check that all lightbulbs are working properly.

4. Outdoor Lighting
Keep the perimeter of your home well lighted. Install low voltage or solar lighting around porches, decks, entrances, walkways, pathways and other dark outdoor areas. Before you leave, make sure that all lightbulbs are working properly.

5. Mail and Newspapers
Stop mail and newspaper deliveries, or have a trusted neighbor collect them while you are away so that they don't accumulate. Ask your neighbor to also remove any advertising flyers that are deposited in your mailbox or around your door, driveway or lawn.

6. House Keys
Never hide keys under doormats or in mailboxes or flowerpots. Give an extra key to a trusted neighbor and ask them to check your home regularly while you're away.

7. Shades and Blinds
Keep some of your shades and blinds up and your curtains open to maintain a normal, everyday appearance in your home.

8. Voice Mail
Never leave a message on your voice mail or telephone answering machine telling people that you're away from home.

9. Landscaping
Keep shrubbery trimmed and away from entrances and walkways. While large, ornate hedges may be beautiful, they also provide a hiding place for burglars. Arrange to have someone care for your lawn or garden while you're away so your house doesn't look empty.

10. Local Police Departments
Check with your local police department. Many offer home security evaluations or checklists. Ask them to check your home or patrol your neighborhood more closely while you are away.

Gold Mine behind the Crisis!

Only few people really can see opportunity behind crisis; Frank Patrick is one of those few. At the time of real estate crisis, he challenges real estate agents to take opportunities to earn more money they could possibly imagine, which are to sale foreclosures properties. This is one type of property where bank fails to sell them on auction, bank then looking for qualified agents equipped with knowledge to sell those properties, successful agents will definitely to receive huge commission.

In the time of crisis like now, millions of real estate owned (REO) are waiting to be sold and this become a gold mine for those who have skills on selling foreclosures. Thanks to Frank Patrick who launches his detailed REO Training Course, many can learn from first hand expert the skills to sell REO. He exposes in his release do’s and don’t’s and you are learning from the first class agent who care to share his knowledge (and his hands-on experience), so you can follow his track to become successful real estate agents too. He himself has sold on averaging over 100 sales every year and he did that for the past seven years!

Patrick also mentioned, real estate agents must take this great opportunity as no bank actually would like to have millions of houses to become their assets, and this is one solid reason for you that with proper skills as offered by REO Training Course, you can join financial institution and be on board to add more real estate agents into REO Training Success Stories. For sure you can not just jump into the field, as REO can be a risky effort for those who are not well prepared with knowledge and skills. Grab the opportunity while they are still widely open, get prepares and learns first hand experience and follow his successful story!

Top 7 Foreclosure Stories of Past Year

The euphoria that surrounded six years of escalating home prices, record levels of home sales and rock-bottom interest rates crashed and burned in 2007, forcing many foreclosure investors to ratchet down their purchases and patiently wait for an expected flood of bargains to emerge from the ashes of the housing downturn.

Foreclosure-related stories saturated the headlines throughout the year, and the Foreclosure News Report has compiled the following top 7 stories of the year based on their impact on foreclosure investors.

#1 The ‘Mortgage Meltdown’
The national media used the phrase ‘mortgage meltdown’ to denote the biggest real estate story by far in 2007: the subprime mortgage fiasco that saw dozens of lenders close their doors, lay off employees, and left thousands of homeowners stranded with adjustable-rate mortgages they could no longer afford to pay as interest rates began to reset upward.

A number prominent subprime lenders — including New Century Financial Corp., Option One Mortgage Corp., Ameriquest Mortgage, ResMae Mortgage Corp., Fremont Investment and Loan and People’s Choice Home Loan Inc. — either closed their doors or reorganized under Chapter 11 bankruptcy protection Some major lenders, including Countrywide, Wells Fargo Bank and Washington Mutual, closed down their subprime operations, writing off losses and laying off employees go.

Doug Duncan, chief economist of the Mortgage Bankers Association, told Bloomberg News that he expected more than 100 other lenders to go out of business this year.

In the meantime the mortgage meltdown is a story with an ending that hasn’t been written yet and one which investors should continue to monitor in 2008 because it affects one of the pillars of real estate investing: financing.

#2 Foreclosures Surge
No matter how they were counted, or how their effects were interpreted by the media, the government or the public, rising numbers of foreclosures garnered national attention in 2007. When the final numbers are tallied, RealtyTrac is estimating about 2 million foreclosure filings on 1.2 million properties, an increase of more than 60 percent from 2006, when 1.2 million foreclosure filings on 735,000 properties were reported.

As of this writing, the nation’s foreclosure activity peaked in August at 239,851 foreclosure filings, a 36.7 percent increase from the previous month. The nation also experienced double-digit increases in January (35.4 percent) and May (19.25 percent). The largest decline in activity was posted in September (down 8.3 percent).

In this climate, most foreclosure investors have had to shift their investing strategy, typically from more of a buy-and-flip strategy to more of a buy-and-hold strategy. But as this story continues to play out and foreclosures become available at deeper discounts, investors may be able to shift back to the buy-and-flip method.

#3 Popped Housing Bubble
Many industry experts denied the possibility of it happening, but when the real estate bubble did finally burst in 2007 a lot more than just egos were deflated.

Inventories of unsold housing stock, which not too long ago were around a month a two, quickly ballooned up to a 10-month supply nationwide. The National Association of Realtors, which early in the year came out with a forecast calling for the housing market to turn around in late 2007, recently revised its forecast, now calling for the nation’s real estate market to finally turn the corner some time in 2008. Homebuilders likewise have become less confident that the national housing economy is in good shape, with their housing market index sinking to a 22 year low in October and staying at that level for November.

For savvy investors who weren’t overly influenced by the Goldilocks predictions of recent years, the deflated housing market is probably expected and could prove profitable.

#4 Return of Short Sales and Auctions
The year also saw a comeback of two popular methods of disposing of foreclosure properties resurrected from the early 1990s — the last time so many properties were going into foreclosure at one time. More and more lenders of defaulted loans agreed to a short sale/short payoff situation because the homes securing those loans were “upside down” financially.

And more lenders who had repossessed homes via foreclosure turned to auctions to help them unload their increasing inventory of real estate owned (REO) property.

“Sellers want to speed up the process. Some of these are new REOs, and have not been put on the market with a Realtor first. They’re sending them right to auction,” said Rob Friedman, who brought back his Real Estate Disposition Corp. to take advantage of the current change in the real estate business climate.

#5 Credit Crunch Hits Wall Street
With local lenders writing loan documents at breakneck pace between 2004 and 2006, many of the adjustable-rate, no-interest, negative amortizing, so-called exotic” loans ended up pooled together with more traditional loans and sold to Wall Street investors as mortgage-backed securities.

When many of those loans became delinquent, the end result was that many high flying Wall Street firms took major hits to their bottom line. The nation’s fifth largest investment banker, Bear Stearns, had two mortgage-based hedge funds valued at $3.2 billion totally wiped out in July, making it the first well-publicized victim.

Then in November the news hit that Citigroup’s chief executive officer, Charles Prince, had tendered his resignation amidst the growing subprime loan fallout. Prior to Prince’s departure the firm announced it would take additional write-downs of $8 billion to $11 billion in the fourth quarter, a large and unexpected loss that could wipe out profit for the entire period. Merrill Lynch also reported in November that it had suffered an $8.4 billion loss in the subprime mortgage sector — the biggest loss in the brokerage’s 93-year history. This significant loss ended up bringing down the firm’s chief executive officer Stan O’Neal.

Just how long the banks and Wall Street firms will need to flush out the remaining sediment left from sour subprime loans probably won’t be known until some time next year. In the meantime, investors and wannabe home buyers will have to deal with tightened lending standards that make it more difficult to get a loan in order to purchase a property.

#6 Federal Reserve Lowers Interest Rates
After 17 straight upward “adjustments” to interest rates and a year of unchanged rates, Ben Bernanke and the Federal Open Market Committee finally took the advice of real estate professionals and others, lowering the federal funds rate (the FFR is the short-term rate banks charge each other to borrow money) twice in a row starting in September 2007.

Combined, the downward adjustments totaled a decrease of 0.75 percent (or 75 basis points) in the FFR. The Fed cited a steeper than anticipated housing “correction” as a catalyst for the downward adjustments, but pointed to the continued threat of inflation to justify their caution in making the adjustments.

“Today’s action, combined with the policy action taken in September, should help forestall some of the adverse effects on the broader economy that might otherwise arise from the disruptions in financial markets and promote moderate growth over time,” the FOMC said in a statement published October 31.

#7 Politicizing of Foreclosures
Believe it or not, enough noise has been made about the mortgage meltdown and soaring foreclosure activity around the nation that even the presidential candidates have sat up and noticed to the extent of coming out with their own policy statements on how to handle the crisis.

In August, Bob Pisani, Wall Street correspondent for CNBC, called foreclosures “the hot potato of the political season.” The five states with the most foreclosures in the country that month also represented 25 percent of the available electoral votes, or roughly half of the electoral votes it will take to elect our next president.

But more significant than the posturing from presidential candidates was action taken on the local level from politicians coming out of the woodwork to “rescue” their constituents from a bad situation.

Many governors, mayors, city treasurers, city council members and eventually Congress members were interested in setting up some sort of task force to explore and examine the local foreclosure problem and to make procedural recommendations during 2007.

A number of bills were introduced at all levels of government to deal with fears over foreclosures. Many of them had “protection” somewhere in the title, whether it was consumer protection, borrower protection or mortgage loan protection. Some had mortgage “fraud” prevention or “scam” in the title.

With the mortgage meltdown far from over, investors and potential home buyers interested in purchasing property in any particular part of the country should keep tabs on proposed legislation coming down the pike in 2008 because some of these bills, if passed, may have a direct impact on how and whether pursuing property in that part of the country in worth the effort (Yahoo! RealEstate)

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