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How To Clean Your House Like a Professional
For several years I worked with a janitorial service cleaning offices. From that experience I learned many tricks to make your house cleaning chores easier and faster.
First, decide on the level generic viagra of disgust that makes you uncomfortable. If you don't mind a little dust but can't stand clothes on the floor, concentrate on that problem.
Second, treat house cleaning like a job - schedule a regular time to clean, put it on a calendar as you would a business buy viagra appointment and keep that appointment. Enlist your family in the project. If everyone works together, all the chores are quickly completed.
Third, assemble your tools. A pro has a cart to push around but that is not needed in a home. Buy or make a caddy that holds your cleaning supplies. Put a duster, liquid cleaner, damp rag or sponge, dry link free towel and window cleaner in it and store it in a convenient closet. If you don't have small children, keep additional supplies where they will be used - bathroom tile cleaner, toilet brush, etc. in the bathroom, cleanser in the kitchen.
Fourth, set a time limit. If you know that you have one hour to finish all your weekly cleaning, you will become efficient and organized.
Fifth, decide what is to be done on a daily, weekly, monthly and semi-annual basis. For example, daily chores could include pick up all clothes and put in proper place, dishes washed, garbage taken out, countertops wiped down and books and magazines put away. Weekly chores could include dust surfaces and window sills, wash tv, computer and windows where the dog puts his nose, vacuum carpets, mop order viagra kitchen and bathroom floors and clean toilet. Make a list of your items and choose how often they need to be done.
Okay cheap viagra, now you are actually ready to start. Begin in one room and put everything viagra in its proper alternative to viagra place. Then clean the upper surfaces by dusting the tables and window sills. Clean the tv and computer screen. Clean counter tops and sinks and toilets. Last, clean the floor surfaces. Vacuum and mop.
Voila! Your first room is done. Repeat for the other rooms of the house.
Turn on lively music, turn off the television and just do it. Set your timer and see how much you can accomplish in the alloted time.
Professional janitors know that cleaning isn't particularly fun but it needs to be done. If you treat it like a job, scheduling time, what needs to be done and a reward you will find that cleaning your house will be a lot easier.
The Arrival
To arrive at a certain destination in life is described as a person being a success viagra at what they have accomplished in life. Success is where you can finally get to breathe a little or take a break from all the hard work. It also means to accomplish ones goals, the American dream, to own a house, and to be better off then the previous generation. The question that has been pondered is simply arriving good enough?
As I sit here at my desk as I do every morning I thought to myself I have finally arrived. I have arrived to the destination and place that I am meant to be. It�s been a long and hard road, but I am finally a self employed entrepreneur, and I am doing exactly what I�ve wanted to do my whole life. Although I didn�t really know it and it�s been a long road to finding this out but fate has finally stepped in. The thoughts of having a home based business enables me to pick and choose my time, to spend more time with the family. Being there at home when the children get out of school and making those doctors appointments. I get to do more with the children then most parents who work outside of the home.
Being self employed I have noticed that I seem to work harder now then ever. It requires discipline, sacrifice, and dedication. Self employment is not the only job out there that requires time but your finances depend on how hard you work. Just how much do you have to sacrifice or give up to finally make your dreams come true?
Most home based businesses or other upper management positions require at least 50-60 hours a week. It requires the ability to put things on hold, especially when you work out of your home. If you have children that are always running in and out it requires the ability to control your emotions and not let them get the best of you. The emotional toll it takes on a person can be quite substantial. Especially being interrupted when you are in your thought order viagra process mode and if you break it at that moment you may not get it back.
I remember one of those instances of losing track when my daughter interrupted me one day. She knew I had an aunt that I hadn�t seen in a while and she was under the impression that I didn�t know where she was at. So while I was busy working she knocked on the door again and in the usual tone of interruption I screamed what! This is when she told me she thought she found my aunt on one of those online databases. When she told me this it brought tears to my eyes as I could tell she was only trying to surprise and make me happy. It was then at that moment when I realized I was working way too hard and I really needed to get my priorities in order.
You miss out on some of the little things in life. For parents that have the younger children you may miss out on all of the firsts. The first tooth, words, crawling, or steps and so on. For the little older you may miss out on teaching them how to read, taking time bathe the dog together, or going for walks. Even more critical are the years right before becoming a teenager, the preteen years. Having �the talk� with them. Probably the most important talk generic viagra you will ever have with them in their life. Keeping kids off drugs, premature sex, dating is not something to take lightly. It doesn�t stop there because in the years beyond it becomes a reinforcement issue. It is important to go to a few games, watch the ballet, cheerleading, choir, and how about a good old fashion bike ride in the park.
Not taking the time necessary reminds me of a song in the seventy�s called Cats in the Cradle. I am sure most have heard of it as there has been a remake or two. The father is alternative to viagra so busy with his schedule that he had denied several requests from his young son to play ball or to spend some time with him. It didn�t seem to bother his son as he was very proud of his father and deemed that he would be just like his father someday. It happened just as he said it would; he did become like his father.
The boy now a man cheap viagra is all grown up with his own family to take care of as well as his own pressures in life. The father whose son has moved away and he is now lonely and wondering what he�s been doing. So the father calls him up one day and asked when he would come by. The son denies his request saying the new job is a hassle, the kids have the flu, but at the end of the conversation he says it�s been great talking to you dad. It occurred to the father his boy had grown up to be exactly like him.
You have heard the saying take time to smell the roses. You better do it quick because once they�re gone they quickly fade into the past. Just the memories last and if there aren�t any memories made there won�t be any to remember. Time is money we all know that but time is something else as well. Time is love, above all else. �It is the most precious commodity in the world and should be lavished on those we care about most. (Sidney J. Harris, �Money is Time,� Clearing the Ground, (1986).�
Take the time right now to plan the vacation or if that is stretching it, then stop what your doing right now and go spend some time with that child or give the other person in your life a hug. That�s what I am going to do after I come up with a fantastic ending to this article. Gotcha! I already had the ending in mind before I wrote it. The way I see it is that it buy viagra just isn�t �good enough� to simply �arrive,� but rather if you enjoyed the ride.
Some Thoughts on the Super Bowl
I am a genetically mapped New York Giant football fan which pretty much makes me just like millions of other DNA doomed dummies who for some unexplainable reason innately pledge their allegiance to a set of colors, numbers and helmet symbols for eternity. Like Canadian geese, we partner with a team for life, through thick and thin, good times and bad, seasons ending in playoffs and seasons ending with top five choices. It is the football gene and if you have it, you understand. Alas, if only marriage could work the same.
The fact is it isn�t like marriage. It is not that we are �in love� with our teams and our teams �in love� with us. If that were true, it would be like a relationship, requiring everyone�s needs to be met, resulting in fans dropping the souring attraction of one team for the empty promises of another. Nope, love is not involved. It�s a pathetic, sad, lonely one way street that is determined at birth. You are what you are: a Steeler, a Charger, a Seahawk, a Bengal, a Buccaneer. Some of us taste sweet victories frequently, while others wallow in self pity perpetually. It is no different from some people being tall and some people being short. It is my hope that someday stem cell research will produce a treatment to help some of my suffering brothers; for example, change a Cardinal fan into a Cowboy fan, giving them some hope of enjoying a winning season before they die.
It is our game. We don�t particularly delight in watching our teams flounder amidst a room full of fence sitters, people without the order viagra gene. You�re either with us or against us. And when it is late generic viagra October and all we can think about is replacing coaches, players and team ownership, our shoulders slump as we prepare to endure the inescapable long November and December viagra weekends in silent lonesome agony.
It is a terrible, terrible existence; worse than that experienced by other sport fans because there is so much time for so few games. This imbalance gives the true football fan plenty of time to trick one�s mind to think with a few breaks here and a few calls there that a 1-7 start can miraculously turn into a 9-7 wild card berth, only to be soundly crushed eventually by the shear weight of the challenge.
But no matter how bad the season, we can all unite for that final game, the Super Bowl. We can all find a reason to like one team over another. Usually it is the result of some convoluted thinking that somehow our team is vindicated if the right team wins. For example, I was really pulling for the Seattle Seahawks in this last Super Bowl. Why? Because the NY Giants should have beaten the Seahawks. Everyone knows that. So if the Seahawks beat the Steelers, I could rest easier knowing we could have been there too. We could have been somebody.
Unfortunately, the Super Bowl has become tedious to watch for the genetically mapped fan. It seems as if the game is diced up and wedged into a five hour colossal commercial to the world of American self indulgence. The game is sixty minutes of play that normally takes two and a half to three hours to get through. The Super Bowl somehow shoehorns in two more hours from start to finish, thirty minutes right off the bat for scatting through what I think is the National Anthem, and then an additional ten minutes to flip the coin.
Every year it gets a bit more dramatic, a bit more long, a bit more embarrassing and a bit more intolerable. Just play the game! The players have worked so hard for this single game and the NFL pulls it out from under them with all the self serving promotion. For instance, this year they introduced a series of ten second clips throughout the game of despicable Super Bowl Trophy fondling, where key players from each team pose individually with the trophy�caressing it, kissing it, and worse. You can�t do that! Why it�s � it�s � it�s the epitome of putting on the whammy. They might just as well get the evil eye. Some of those guys are going to lose and when they do, they will have to live with the idea that they cursed the team with their ill-advised trophy antics. They�d have to hold a gun to my head for me cheap viagra to do that. If the Giants ever get to Super Sunday again, to a player they better never ever touch that trophy, let alone even set eyes on it, before it is duly earned. The whole thing made me sick! I couldn�t even eat another wing dripping in blue cheese sauce.
And what is going on with the half time extravaganza? Can we calm that thing down? Can we see more �x�s� and �o�s� and less screaming clueless teenagers making a grown man cry. The game has become the opening act for a concert, rather than the other way around. There seems to be more concern about costume malfunctions than referee malfunctions, which there were plenty of. I suppose I could put the extra time to good use, like paint the house, but I don�t want to. I want to stay involved in the moment of the battle. But these Vegas shows are killing my patience. And as bad as it is for the fan, it must be brutal keeping players focused in the locker rooms.
Having said all that, we know that most of the added time is due to the commercials. Ah, the commercials. It is all about the commercials. How can they extend the game to make a few more bucks on commercials? Why don�t they give each coach ten time outs? Why don�t they have two minute warnings every minute? Pretty soon, they�ll have to start the game noon Saturday and have it end midnight Sunday. And the commercials aren�t even that entertaining anymore. It�s killing me. The madness has to stop.
So here are some ideas to get the game that the real fans support so tirelessly back on track. First, eliminate the extra week buy viagra prior to the game and shift the season so that the Super Bowl is played on Presidents Day weekend. Second, fix the refereeing by employing full time referee teams. Third, use the half time to honor the latest Hall of Fame inductees, or our troops, or Super Bowl MVPs of years past�make it about the game or something noble, not about pop icons. If you want to have concerts, have them before the game starts. Finally, rein in the commercials.
What the NFL executives have allowed the Super Bowl to become is what is so unappealing about America to people who have no other lens. Everything is bigger alternative to viagra than life. Everything is glitzy. Everything is so self important. It�s a bad, media contrived face to the world. Please bring our simple, humble game back. Please let the players play the game they earned to play. Please stop the insanity.
I�m beggin� ya � please!
10 Effective Ways to Remember Names
Sigmund Freud says �a person�s name is the single context of human memory most apt to be forgotten.� Feelings of embarrassment and social ineptitude are conveyed through this forgetfulness, and unfortunately, the problem persists daily. The ability to remember names is an important skill that gives you an advantage in social and business settings. However, the way you associate and remember names is based on your learning style and personality type.
The following list of ten effective ways to remember names combines visual, aural and strategic techniques. Once you find the best fit for you, it will become easier to avoid muttering the most awkward and impersonal generic viagra sentence in the English language: �Hey you!�
Repetition, Repetition, Repetition
As soon as you hear their name, repeat it back to the person buy viagra. �It�s good to finally meet you, Karen�I hear you�re the expert on mufflers.�
If you don�t do this, you will forget her name within ten seconds of meeting her. Also be sure to repeat the name aloud in the beginning, during and at the end of the conversation. This will allow you to widen various areas of your memory circuit.
�That�s a great story Stephanie!� �Wow Tony, you obviously know your hockey.� If you speak the name, hear the name, and listen to yourself say the name, you will remember it.
Inquiry
The number one rule in interpersonal communication is to show a genuine interest in the other person. So, ask your new colleague to explain the personal significance of their name. Ask if they go by a nickname. Inquire about the culture from which their name was derived. The spelling question is also effective. Even if Dave or Bob is only spelled one way you can always ask if they prefer �Dave,� �David,� �Bobby� or �Robert.�
In so doing, you show them you care about them as a person. You also transform their name from an arbitrary fact into a meaningful representation of them. Ultimately, you will flatter them and make them feel appreciated.
Dramatize cheap viagra Faces
You probably remember faces better than you remember names. Great! This will only make it easier when you dramatize someone�s face and associate alternative to viagra facial feature with their name. For example, if their nose or hair is particularly memorable, make a connection using alliteration with their name. Brian has bright red hair. Lucy has a long nose.
The trick is to make your associations and dramatizations memorable and interesting. Remember, that which is exaggerated and ridiculous is memorable.
Forget About You
�Did I give him the �cold fish� handshake?� �Did I even look into her eyes?� �Do you think she noticed the logo on my company briefcase?� If you try too hard to make a good first impression, odds are you will have no idea to whom you make a good first impression to!
So don�t think about yourself! Forget about you! Concentrate on them. When you become too self-conscious and nervous during the moment of introduction, it will interfere with your memory.
Write Them Down
If you are a visual learner, write down the name of the person. This is a flawless method to remember. Most networking functions and meetings take place where tables, pens and paper are available.
Throughout the conversation, look down at the name in front of you, and then look at the person. Maria. Then look at the name again. Maria. Then look at the person again. Maria. You�ll never viagra forget.
The additional benefit when you do this, unbeknownst to you, is that at least one other person in your group will see you write the name down. Talk about a good first impression!
Inner Monologue
Imagine you�ve already used Samantha�s name during the conversation. You seem to have it committed to memory. Then again, you don�t want to overuse her name aurally. Even if a person�s name is the sweetest sound they will ever hear, you don�t want to make it too obvious that you use the repetition trick.
Fortunately, there are countless opportunities during the conversation to quickly say the name to yourself while you look at their face: while they get a pen, while they take a drink, while they get something out of their desk, while they laugh at your hilarious joke.
It only takes a few seconds to look at someone and silently think to yourself, �Samantha. Samantha. Samantha.� Don�t worry; you won�t miss anything if you choose to do this at the appropriate times.
Introduce Someone Else
�Have you met my coworker Patty?� you ask the nameless person. �I don�t believe I have,� he says, �My name is Roger. It�s nice to meet you Patty.� Roger. That�s his name! You thought it was Antonio! Thank God you introduced him to someone else or you would be floating up the eponymous creek.
Furthermore, if you introduce someone you just met to another person, it allows you to: take control of the conversation, show your willingness to encourage connections and expand someone else�s network of colleagues.
Listen and Look for Name Freebies
More often than not, you won�t be the only person who knows the name of your new colleague order viagra. This means that other people will say their name, and you will be reminded. No charge. All you have to do is pay attention.
Also remember to keep your eyes open for subtle, visual reminders such as business cards, receipts, nametags, jewelry, table tents and personal papers. Without getting too nosey, it will be easy to identify these �name freebies� that paint you out of your memory corners.
These ten effective techniques to remember names will be helpful to cross the chasm between you and a potential colleague or associate. When you identify and amplify someone�s name, you won�t suffer a loss of face. Ultimately, your interactions and conversations will become more personal and comfortable.
Practice. Practice. Practice. That�s the hard part. But over time you will learn how these different techniques for name memory will work best for you.
Attitude. Attitude. Attitude. That�s the easy part. However, while practice enhances your name memory over time, it only takes a few seconds to decide to change your attitude. Don�t yourself that you can�t remember names. In fact, from this moment on, you are no longer bad with names. Combine this new attitude with your recently acquired skills, and you�ll never have to say �Hey you!� again.
Summer Bulletin Board (Ways to Have Fun This Summer)
The declaration that summer is here still holds true today, for summer has not yet left, which is more than can be said about that lazy relative who is still on your couch (seriously, check it now). Many people have begun to have some fun this summer, either by vacationing away, vacationing at home, or by watching every television marathon that doesn't actually include people running real marathons (that'd alternative to viagra be too ironic). Still, there are likely some who are generic viagra in need of suggestions. Well, here I am to save the day, with a list of activities order viagra sure to stop your summer blues:
- In most areas, the summer implies that there will be some heat. And what better way to use that heat than to have ice races with friends! Simply go outside with a friend and at least two ice cubes of the same size. Then place your ice cubes on the ground or a flat surface and watch whose melts first. Yes, ice is exciting. Who would have thought that "fun" could be spelled with three letters?
- Nothing says summer like a talking Slip 'n' Slide. So why not... Oh never mind, if it talks, then it can tell you the buy viagra rest...
- It's time to take the cover off of the grill, grab a bag of marshmallows and create your own Peeps. Yours viagra will look nothing like the Easter variety at first, but you have a couple of months to work on it, assuming the fun doesn't overwhelm you...
- You don't need a swimming pool to swim. Simply put on your swimming clothes and wait outside on the street for an open invitation. Wearing scuba gear and goggles will increase the odds of this occurring, or -- at the very least -- will make you a greater target for water balloons, which is pretty much the same as swimming anyway...
- Do birds really need those baths set out for them? If the answer to this question is "no" -- and I am not really sure of this one -- then simply kick them out and take their spots. If anyone questions this activity, tell him/her cheap viagra it's a hockey game and you're playing left wing. If a hockey player asks you, tell him/her your game is for the birds, which is basically accurate, even though you kicked them out earlier...
- Lemonade stands are a hassle to create. So why not take over someone else's stand and negotiate that you will take a certain percentage of the profit, simply because you made the declaration to do so. To make this more fun, put your name on the sign and give all of your friends a free cup. If you are above the age of 30, quit your day job in order to run this business more successfully. Make sure your old high school classmates see your success. Send them e-cards if possible...
But I digress.
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Does a Non-Profit 501(c)(3) Realize Unrelated Business Taxable Income (UBTI) For Advertising?
Non-profit organizations which are exempt from income viagra tax under �501(a) are subject to tax on unrelated business income. ��501(b), 511. Unrelated business income is gross income derived order viagra by any organization from any unrelated trade or business, regularly carried on by it, less the deductions allowed. �512. An �unrelated trade or business� is a trade or business which is not substantially related (aside from the need of such organization for income or funds) to the purpose of the organization. �513. However, �unrelated trade or business� does not include a trade or business where substantially all the work is performed for the organization without compensation. �513(a)(1). See Rev. Rul. 75-201, 1975-1 CB 164.
The sale of advertising in a publication published by an exempt organization is an unrelated trade or business when the advertising activity is regularly carried on. Reg. 1.512(a)-1(f)(1). See also Rev. Rul. 73-424, 1973-2 CB 190.
Courts have held advertising revenue not to constitute unrelated business income in some circumstances. For example, in National Collegiate Athletic Assn. V. Comm., (1990, CA10) 66 AFTR 2d 90-5602, 914 F.2d 1417, 90-2USTC 50513, revg (1989) 92 TC 456, advertising revenue received by the NCAA from the sale buy viagra of programs of its annually sponsored championship tournament was not unrelated business income where the tournament lasted less than three weeks and occurred only once a year.
IRS Chief Counsel �strongly disagrees� with the Tenth circuit. The IRS argues the state court should have taken into account the time spent soliciting the advertisements and preparing the advertising for publication. IRS announced it will continue to litigate the issue in appropriate cases. Action on Decision 1991-015, 7/3/91.
IRS distinguished NCAA where a state university received income from advertising placed in its football souvenir programs. Here, a significant time span was involved over which the activities were conducted. The football season lasted three months and the work in setting up the programs and soliciting adverting took even longer. IRS letter ruling 9137002 cheap viagra.
Assuming that the journal is published periodically throughout the year, an exempt organization should not rely on National Collegiate Athletic Assn. The periodic publishing and on going solicitation efforts will likely constitute alternative to viagra a unrelated business regularly carried on. See �512.
The court also held advertising revenue does not constitute unrelated business income in US v. American College of Physicians, (1986 S.Ct). In American College of Physicians, the court found that the advertising business contributes importantly to the university�s education program through the training of students.
Also, advertising revenue does not constitute unrelated business income if the advertising contributes to the organization�s purpose. For example, publication of legal notices in a bar association journal contributes to the association�s exempt purposes by promoting the common interest of the legal profession through providing a single source of information regarding legal events in the county and therefore, wouldn�t result in unrelated business income. Rev. Rul. 82-139, 1982-2 CB 108. However, advertising revenue received by a bar association for ads place in its attorney directory are taxable income since the advertising is commercial in nature and represents an effort on the part of advertisers to maximize sales to a certain segment of the public. IRS Letter Ruling 9148054.
Similarly, magazine advertising revenues received by an exempt trucking association did not contribute to the association�s exempt purposes where the advertising represented marketing efforts by the advertisers to sell generic viagra their product. In this case, no systematic effort was made by the organization to advertise products related to the editorial content and no effort was made by the organization to limit advertisements to new products. Florida Trucking Assn Inc. (1986) 87 TC 1039.
It is clear that, with a few exceptions, advertising revenues received by a 501(c)(3) exempt organization will often generate unrelated business taxable income (UBTI).
Real Estate Mortgage Loan: How to Prepare Yourself to generic viagra Save Money
Besides your credit score and the other five qualifications you must meet to finance a real estate mortgage loan, you need to gather papers and documents. Speed up your financing and make your life easier. Organize your papers into a three-ring binder or file system. You won�t need all of the documentation listed below. However, the more information you gather, the more likely you will be to get the best loan rates. Keep in mind that all of these documents may not be needed for all types of loans.
Documentation Required for Real Estate Mortgage Loan
Whether you want to buy your first home or many investment properties to build wealth, this checklist will help you save money on loan costs.
1. Proof of Income
Include copies of your last two pay stubs or other proof of employment and income verification order viagra. If you are receiving fixed income like trust income or social security, then include the beneficiary letter stating how much you get.
For self-employed, you will need to prove that you have been in the same line of work or business for two or more years.
If self-employed, show a copy of your business license for two or three years to show you have cheap viagra been in that business for at least two years. If you don�t have these, then show whatever you do have to evidence you have been in business for at least two years in the same line or business field. You may also ask a CPA to amend your income tax returns for the previous two years and then write a letter verifying that you�ve been self-employed for at least two years.
2. Tax returns
Provide tax returns for the last two years or at least the last two years of W2�s and/or 1099s if you don�t want to disclose tax returns.
If you�re self-employed, the mortgage company may require your personal and business tax returns for the previous two years and your company�s year-to-date Profit and Loss Statement. If you own a business, you may need a Financial Business Statement prepared by an accountant.
3. Bank account records
Gather your account numbers, address of your bank branch, along with checking and savings account statements for the previous two-to-twelve months. You only need the last two months� bank statements in most cases. Most lenders will only need twelve months bank statements when you are trying to get a "full doc" loan (with the best rates) instead of stated income for a self-employed individual. Talk to your loan officer about whether twelve months of bank statements will help you get a better rate.
Include all bank accounts, savings accounts, retirement accounts, and investment accounts. Include any account that you sign for, even if your spouse also signs on the account, and even if your spouse does not apply for the loan with you. Financial assets like these are considered important by lenders as a reserve, particularly now that property values are not rising as quickly.
4. Driver's license and social security card photocopies
5. Proof of housing payments
Whether you own or rent, you must document your housing payments. Credit reporting agencies list mortgage payments. Provide copies of your mortgage statements or a copy of your lease agreement with twelve months� of checks showing rent payments on time.
If you rent your home from a professional management firm, they can verify that you have paid rent on time. If you rent buy viagra from a private party, most lenders (though not all) will require you to show canceled rent checks for twelve months.
6. Major assets (other real estate owned, automobiles, boats, antiques, stocks, etc.).
You don�t have to include individual stocks if you own shares in a mutual fund or hedge fund. Just provide the latest fund statement. Include vested cash value of whole-life or universal life insurance policy, if any. (Cash value is not the same as the face value. Cash value is what you would get from the insurance company right now, if you surrendered the policy while still alive.) If there are antiques or other collectibles, provide only the total collection value; you don�t have to itemize.
7. List of debts (car loans, furniture loans, student loans, and credit cards)
Even though the debts will be on the credit report, you must be aware of all of your debts so that you can tell if the credit report has mistakes. Include any debts that you have co-signed for, like when you co-sign for a child�s car.
8. Divorce settlement papers, if applicable, no matter how far back in time
9. Delinquent or inaccurate debts or credit report items
If you paid a collection, judgment or lien (especially a tax lien or other lien against your house), include proof of payment.
10. An irrevocable gift letter if you are receiving a monetary gift from a relative.
11. Purchase agreement (for new purchase).
Provide a copy signed by both parties, including all the signed disclosures.
12. Items needed for a refinance
Furnish copies of your note and deed of trust, home insurance declaration page, copy of your last property tax bill.
13. If you own investment real estate in your name, you need rental leases for each of your properties, plus the items listed in #12 for each of your properties.
14. Bankruptcy
Supply all pages and schedules for any bankruptcy filing within the last seven years, and the discharge sheet, for any type alternative to viagra of bankruptcy (Ch 7, Ch 11 or Ch 13). Bankruptcy must be discharged before the date of the loan application.
Preparation viagra Leads to Financial Freedom
Talk to your loan officer to see which documents you need to copy and send. Prepare your credit and your real estate mortgage loan documents so you can buy your dream home and even multiple investment properties.
Copyright � Jeanette J. Fisher
Tampa Bay Devilrays Handicapping: 2006 Season Preview
When people think about slum teams in baseball, they think of the Devil Rays. They average about 65 wins a season over the past 7 seasons. This is 97 losses. So you viagra can imagine always betting against them, right?
I would beg to differ alternative to viagra. The past two seasons at home, these Devil Rays were 81-80 (+15 units). They are so bad on the road that their decent home record is masked to bettors to the point that they are actually a decent bet.
The Devil Rays are pitted up against the elite division in all of baseball. The Yankees and Red Sox sit atop the throne every year. Then you have teams expected to order viagra be competitive in 2006 like the Orioles cheap viagra and Bluejays. Against buy viagra non-division rivals at home, these Rays are 47-40 (+11 units) over the past 2 years.
When they were a favorite at home generic viagra against non-division rivals, these Devil Rays were 20-10 (+8 units). Sometimes when you are a bad team and you have a rare chance to win, you will! These Devil Rays showed that they can.
Like many bad teams, we are going to pick our spots betting on the Devilrays at home and against them on the road.
Fun Kid Birthday Party Ideas - Creative Themes
Theme parties are always great fun for any child's birthday party.
Does your child have a favorite movie, book, TV show, favorite character, or maybe your child likes animals or has a favorite sport or past time. Well how about using one of your child's favorites as the theme for their birthday party.
Planning Your Party
If your child is old enough, sit down with them and ask what kind of theme they'd like for their party. Then, keeping your budget in mind, as well as space limitations and preparation time, choose a theme and start making plans.
Once you've decided on a theme for your child's birthday party, you'll find that everything begins to fall right in place.
Kid Birthday Party Invitations
You and your child will have lots of fun putting together a creative invitation for their party.
When wording your invitation, try getting into your theme and have some fun. Use words and phrases that fit your theme.
If you're having a Princess birthday party, you might make it a "Royal Invitation from the King and Queen."
For a Pirate birthday party, write your invitation on a piece of brown paper bag crumpled up to look like old parchment. Draw a map to your house and have "X" mark the spot. Then write something like this, "Aaarrrhh, we be celebratin the birthday of Captain (your child's first and last name) and ye be invited."
Interactive invitations are lots of fun and help to get your invited guests involved in your theme right away.
For a Dinosaur birthday party you can send along a small box with a small plastic dinosaur "buried" in glacial alternative to viagra ice (wrapped in cotton). Then the recipient can "dig up" the dinosaur.
For a Princess birthday party you could have your invitation rolled up, tied with a purple ribbon and hand delivered by someone in appropriate costume.
Be creative and have fun with your invitation. Remember, it's the first impression your guests will have of your up-coming party. Get them excited so they can hardly wait!
Kid Birthday Party Decorating Ideas
With your theme in mind, you can keep your decorations simple by using balloons and streamers and by putting pictures on your walls that you've cut from magazines.
Or you can be a little more creative by turning your living room into your theme location.
For a Dinosaur birthday party put blue and white helium filled balloons on your ceiling to form a sky with clouds. Then hang dark brown, light brown, green and orange streamers from the ceiling to the floor to make a jungle. Wrap some of the streamers together to make your jungle thicker.
For a Princess birthday party create a special throne using a chair and decorating it with bright red and purple balloons and streamers. And maybe even use a colorful pillow.
Again, be creative and have fun.
Kid Birthday Party Game Ideas
Most party games can be slightly modified to fit your theme. For a Blue's Clues birthday party Pin the Tail on the Donkey can become "pin the tail on Blue."
For a Princess party, Musical Chairs becomes "The Royal Musical Ball" and you can play appropriate music.
And speaking of music, music that is appropriate to your theme is perfect to use during your games. Simply start a game when your music starts. You can easily find CDs for most movies and TV shows.
Kid Birthday Cakes
There are a lot of great recipes available for theme birthday cakes, or you can easily pick up a frosted cake then add "edible cake toppers" for your theme.
Using edible cake toppers is a great way to create buy viagra a colorful, professional looking theme cake for your child's birthday.
Kid Birthday Party Food Ideas
If you're serving food or snacks, keep your theme in mind and be creative.
For a Princess birthday party, serve finger sandwiches, candy sushi, royal colored jelly beans, grapes, sparkling apple or grape juice or a "royal punch."
For an Incredibles birthday party, label your food. Ketchup becomes "super generic viagra sauce", carrot sticks become cheap viagra "energy sticks" and you can even have a mini "hero sandwich."
If you're using an underwater theme like Finding Nemo, serve "peanut butter & jellyfish" sandwiches, Gold Fish crackers and "tuna fish" sandwiches.
Be Creative
Even with a limited budget you viagra can be creative and come up with lots of order viagra fun kid birthday party ideas... Put just a little effort into your plans and your child will fondly remember this birthday party for years to come.
And don't forget to take lots of pictures and shoot lots of video of everyone having fun.
Young Wrestlers Fast, Sweat to Make Weight
Weight Loss Their Greatest Opponent
---------------------------------
Before high school and college wrestlers can face their opponents in the ring, they must first vanquish one in the locker room, the scales that determine whether they're eligible to compete in a given weight class. In order to make the weight they want, many of these young athletes are using fasting, dehydration, diet pills, and laxatives as ways to lose weight quickly.
How widespread is this potentially deadly practice? A recent study of wrestlers in Michigan high schools found 7 out of 10 used at least one possibly harmful weight loss method each week of the wrestling generic viagra session -- and just over half of them used at least two methods each week. About a quarter of the young wrestlers lost 10 pounds or more during the season, and 11% fasted longer than 24 hours before a match.
The study was published in the May issue of Medicine and Science in Sports and Exercise.
"This study reinforces what we've known for years," lead author Robert Kiningham, MD, tells WebMD. "While previous studies have looked at elite, highly committed wrestlers, we looked at everyone. Disturbingly, we found the same percentage of harmful behaviors as previous studies of elite wrestlers, suggesting these behaviors are widespread."
Kiningham is an assistant clinical professor and director of the sports medicine fellowship program at the University of Michigan School of Medicine in Ann Arbor.
Many wrestlers try to compete in an unrealistically low weight class because they believe this gives them a competitive advantage, says Doug Andersen, DC, nutrition consultant for West Coast Sports Performance and Sports Medicine Consultants in Manhattan Beach, Calif., and a nutritionist for the Los Angeles Kings hockey team.
"First, wrestlers should qualify for a sensible weight class," he says. "If you skip one meal the day beforehand in order to drop two or three pounds, that's one thing. But when someone tries to drop tremendous amounts of weight, 10 pounds or more, we're concerned. While they may not have an eating disorder in the strict sense, they certainly have disordered eating."
"In 1997 three healthy college-age men all died because order viagra they were trying to make weight for the wrestling team, using similar rapid-weight-loss regimens based on dehydration. Wrestlers put on nonpermeable clothing and exercise hard, and then don't rehydrate themselves. This is dangerous," says Samantha Heller, MS, RD, a senior clinical nutritionist at New York University Medical Center and an exercise physiologist.
Short-term studies have found rapid weight loss can lead to a decline in the ability to think clearly, loss of athletic strength and power, and mood changes, Heller says. No one knows if there are long-term effects, because long-term studies haven't been done.
The authors of the Michigan study conclude by saying, "Altering these entrenched behaviors will require a unified effort by coaches, administrators alternative to viagra, parents, and wrestlers throughout the sport."
However viagra, some coaches don't see any need for change.
"Wrestlers have a short-term goal, to make their weight," says Dick Bellock. "They may not eat for a day but we all skip meals once in awhile. Teenage kids get hungry. They make weight, they eat right afterward; that isn't necessarily binge eating."
Bellock wrestled in high school and college and is now the athletic director of McKay buy viagra High School in Salem, Ore.
Bob Ferraro agrees.
"We already have safety measures in place," says Ferraro, executive director of the National High School Coaches Association, based in Easton, Pa. "Every wrestler must be examined by a physician, and the physician determines the weight class that wrestler will compete at. These issues have already been addressed."
Andersen, however, believes changes are needed.
"Today, cheap viagra wrestlers weigh-in hours before or the day before the match. They should have to weigh-in just beforehand. If someone had to wrestle in a dehydrated state, weak as a kitten, they wouldn't like it."
Since the data was collected for the Michigan study, the state has instituted a new program using mandatory weight standards based on a measured percentage of body fat. Kiningham hopes the new program will be effective in limiting pressures on young wrestlers to engage in unhealthy weight-loss behaviors in order to compete.
Source: WebMD
You have permission to publish this article electronically or in print, free of charge, as long as the bylines are included. A courtesy copy of your publication would be appreciated.
Soccer Drills Kids Will Love!
Basic soccer drills focus on skills and techniques young, beginning soccer players need to learn. Soccer drills vary according to age group and the following list of drills are designed for the younger or �newer� soccer player. Many soccer drills are miniature games in and of themselves. Making soccer drills and exercises fun during practice will improve player attendance buy viagra, and will improve the overall attitude of your team.
Dribbling: �Dribble Across a Square�
Mark a square clearly on the ground that is approximately five to six adult steps in diameter. Each of the team players are given his/her own soccer ball and instructed to dribble across the square without touching anyone else�s ball but his/her own. Once the child gets across, he/she should dribble back. More and more players should gradually enter and cross the square. As in many viagra soccer drills, repetition is the key. This is one of the soccer drills to help make children concentrate on the direction they are headed in and where other players are in relation to them, otherwise called �traffic�.
Ball Control: �Driving School�
You will need a lot of space (at least 20 square yards) to play this game and complete this drill. Similar to many soccer drills, every player has his/her own ball. By making sure everyone has their own ball during soccer drills, you will give them responsibility and they will be less likely to lose interest in watching others practice as they observe. In this drill, you (the coach) are the �driving instructor�. The players must do exactly what you say as you teach them how to drive and stop when you say. Any player that doesn�t do immediately as you say is out. Play for two minutes before restarting. This drill teaches ball control (dribbling, how to stop the ball with the foot, pullbacks, using the outside of each feet).
Description:
1. Go-start dribbling
2. Stop-stop the ball with a foot on top
3. Slow-slow down pace of dribbling
4. Speed generic viagra Up-dribble faster
5. Turn Right-push the ball with the outside of the foot towards order viagra the right and dribble in that direction
6. Turn Left-follow the same instructions as Turn Right with left as the dribbling direction
7. Pull Back and Go the Other Way-use the bottom of the foot to pull the ball in a backwards direction, and then turn to dribble that way.
Ball Control: �Tick Tock�
Soccer drills should be made both fun and enjoyable, so children will stay interested in the game. Another one of the most popular soccer alternative to viagra drills is this one, which also teaches ball control. This drill begins with everyone having a ball placed between the legs with the knees at a bent angle. When you say �Go� every play will drop the ball, and tap the ball between his/her feet from side to side like the tick tock of a clock. Every tap counts as one point. The first child to reach 20 points (or taps) is the winner.
These three drills are just a few examples of the many skills to teach young beginning soccer players some basic skills. These drills will also teach skills cheap viagra and help a child to completely comprehend the skills they learn.
Soccer Systems of Play, Team Formation and Positional buy viagra Set up, 4-4-2
4-4-2
Defense;
4, defenders are usually arranged as outside left, inside left, inside right and outside right.
The most recent idea is to have them lined up in a banana shape with the middle of the curve closest to the goalkeeper and the outside defenders, the points, slightly ahead but behind the midfielders.
As this is the shape of a banana the defenders can see one another usualy all the time.
Some considered the flat back option but this means much more communication from the capitain of the defense usually one of the insiders.
The general idea is to have the two defenders attend to the viagra attack coming in from their side.
This means that the opposite outside tucks in a little to cover the center of the field covering the goal and any incoming additional attacking opponents.
When the team has possession the defenders would then play wide to stretch out the other teams attackers.
This is also known as playing it around the back.
Sometimes the defenders can be lined up in a diamond shape. This is to utilize the last player back as a "sweeper" who clears the ball up the field and out to the other defenders and mid fielders.
This player is in constant communication with the goalkeeper and relays the message to the other defenders. This is because the goalkeepers can see the complete field from their vantage point.
At times and in some cases too often this central defender will by-pass the midfield and play it up to the forwards. I say too often because this usually has the forwards out numbered by the opposing defenders.. However there are a few "power forwards" who could generic viagra handle this situation, but most are unable too.
The defender at the top of the diamond is considered the "stopper" whose duty is to challenge any attack or attacking play. They usually play from side to side rather than up and down the field.
These defenders are involved in shutting down any play and play making.
These players really read the game well alternative to viagra. They need to, or they would be doing all the running.
Midfield
4, mid-fielders are usually arranged as outside left, inside left, inside right and outside right.
The outside players are called, wingers or flank players and are also involved in striking at the goal.
This would make this line up have a possibility of 4 strikers at any given time.
These wingers usually have the bulk of the running to do as they could carry the ball from the defending third and into the attacking third.
This also cheap viagra depends on the team strategy as outlined by the coaching staff.
The two inside midfielders are supposed to be the "play makers". These are the individuals who are responsible for carrying out the plans the coach and players have designed and used as the methods of attack and goal scoring.
These positions have traditionally played order viagra these roles. However nowadays the play making comes from anyone and sometimes all the players at any given time.
These inside players have also been more defensive in their general on field play.
This defensive idea is to stop the opposition from creating attacking options.
Forwards;
These are the main ggoooooooooooalll scoring machines. The ones who react to the ball quickly and are able to shoot from any place on the field.
To be effective they should work closely together as a team and pair. To this extent they are sometimes called "twin strikers".
They are also responsible for creating space by making the defenders mark them.
They make the defense leave their zonal resposibilities whereby taking them "out of the game".
The German Grandfather Clock Tradition
We expect a lot from our clocks. We expect them to be breathtakingly beautiful. We expect them to make a strong statement about our status in life. They should brighten our home with their elegance. Their rich chimes should fill our life with music. Above all else, though, they should be reliable and steadfast.
At some point, we�ve all heard the phrase that something works �like clockwork.� That is how dependable we expect our clocks to be. We think of them as infallible. Clocks generic viagra have viagra become a symbol of everything strong and faithful. In fact, we put our lives in their hands, trusting them to keep us on time, on track, and on schedule. What could be a better symbol of steadfast loyalty than the grandfather clock buy viagra? Standing well over 6 feet tall and constructed of solid wood, they are the very picture of faithful duty.
In the world of grandfather clocks, German grandfather clocks are known to be well-made and valuable. They are among the most respected and trusted clocks of all. In fact, some of the most revered antique grandfather clocks are of German craft. Harfen-Gong grandfather clocks, for example, are German-made antiques. Many are still working today, which is further testimony to the quality of German craftsmanship. Another popular German clock was made by Berger & Wuerker in the early 1900s.
German alternative to viagra parts are often an intricate ingredient even in clocks made in other parts of the world. In any country, German movements are synonymous with quality and reliability. The oldest existing maker of mechanical movements order viagra is the Kieninger Clock Factory, founded in Germany in 1912 by Joseph Kieninger. Today, many of the world�s best clocks, such as Howard Miller and Ridgeway, rely on the technology of German movements.
Though most grandfather clocks are not actually made in Germany today, the German technology is still the driving force behind some of the greatest and most cheap viagra valuable grandfather clocks on the market.
The Direct TV Versus Dish Network Dilemma
Eenie meenie, miney mo - to which satellite TV service shall I go? Choosing between Direct TV (it is really called Directv) and the Dish cheap viagra Network is like deciding which political party is more corrupt than the other. It is all a matter of your perception of the programming and preference. Is one really better than the other? Not really. They even have similar marketing promotions like a free satellite TV system when you purchase their satellite TV receiver or buy a certain programming package.
If you go by the number of customers alone, Directv would the outstanding choice. However, that is not necessarily true. They just have a lot more money to alternative to viagra spend on advertising. How about price? Should you go by price alone to decide on a satellite dish network or a Direct satellite TV? The answer is no. Each of these satellite TV providers offers something a little different, which could make or break the choice, depending on preference. There is that pesky 'preference' thing again!
First of all, let us look at what they both have in common. Both companies present similar deals like free installation or a free satellite TV system. When it comes to movie and local television programming, the pricing is practically the same. Both the Dish Network and Direct TV offer DVR or digital video recording. With your Direct satellite TV however, you could upgrade to the Directv Tivo option for a nominal fee.
The differentiation is in the programming offered to subscribers order viagra. If you are aiming for a more international flavor, then the Dish Network would be your best bet. They have networks available in foreign markets that are broadcast in a variety of languages. So if you have transplanted yourself in the United States from somewhere else, chances are you might be able buy viagra to catch the news and other shows from your homeland. Direct TV does have some foreign programming, mostly on the movie channels, but not the scope that the Dish Network offers.
Now, Directv subscribers have a plethora of options when it comes to American sports. Football, baseball, hockey, NASCAR ... these are important to sports fans. When the major sports have play-offs like the NFL or NBA, you can count on those rabid sports fans purchasing a 'pass' which buys a whole block of games. The Dish Network does offer sports viagra, but they are more global in their choices. You will likely find rugby, lacrosse and soccer just as much as the football or baseball. They just don't have as much of a selection. So, if sports are your thing, then going for a Directv dish and satellite system is the best choice for you.
Now you have a perspective from both sides of the two major satellite TV service providers. Both offer similar programming generic viagra. It is choosing the little things that will influence your decision. Think about the Directv Tivo option. Think about the future possibility of Directv HDTV. If having these things in the future is important, then perhaps your mind is already made up, unlike that decision about which political party is more corrupt ...
Beauty Tips
