Saturday, April 05, 2008
My Generic Viagra Reviews
The Simple Guide to Soccer
Soccer is sport played around cheap viagra the world. Many people are new generic viagra to the sport as it gains popularity and they may not understand the rules. Some parts of soccer can be confusing, so learning the basics can really help anyone who is trying to understand what is going on. The following is a short tutorial on the basics of soccer.
The objective of soccer is to score more goals than the opposing team. Each team consists of eleven players. Players can score by moving the ball into the goal net. Each game lasts 90 minutes and is divided into viagra 45 minute halves. The game is regulated by a referee and two linesmen who determine fouls and other penalties. This is the basic set up of the game.
The following list explains some important points in a soccer game.
1. Players can not use their hands to touch the ball. The exceptions are special moves and the goalie.
2. Fouls are called when players get too rough on the field or break other rules.
3. A direct kick is rewarded after a foul to the opposing team and can be kicked directly in the goal. An indirect kick must be touched alternative to viagra by another player before it can be a goal.
4. A penalty kick is a kick from 12 yards in front of the goal. All other players must stay away until the ball is kicked.
5.The two-touch rule states that a player can not touch the ball twice in a row.
6. Yellow and red cards are handed out as, what other sports call, a personal foul. They are against a single player. Yellow cards are warnings and red cards get you removed from the game.
7. Offsides is described by the FIFA soccer rules as � A player is buy viagra order viagra in an offside position if: he is nearer to his opponents� goal line than both the ball and the second last opponent.� This is difficult to understand and explain, so if you need further clarification it is best to watch it demonstrated on the field.
These basic rules and guidelines of soccer should help the layperson to understand the idea of what is going on at the soccer field.
How To Build Your Community With Community Journalism
This article will show how to use a community journalism (also called participatory journalism) platform to build and maintain a community by using the internet as a mean of communication between its members.
Why is community building important?
We are all part of communities whether we realize it or not. We have our local community, national community. Some are members of clubs or groups. Some are fans of a band or play hockey. Schools, Colleges, universities and workplaces are also communities.
Having a closer and more committed communities could benefit us all. Think about big corporations. In such workplaces people hardly know one another while they have so much in common. A tighter community order viagra in buy viagra the workplace will make people feel more attached. Bring better communication and more productive relations between different departments, branches or even people at the same room.
Stronger communities also provide reliance when times gets rough or when crisis hits. The stronger the community is, the better the chance it will work together to solve problems and learn from past mistakes.
The internet viagra is the ultimate community building tool
A good community needs a central place where community members can meet, communicate with each other, display ideas, share experiences and sound their voices. A community magazine is the perfect mean of communication and has numerous advantages cheap viagra as a community meeting place.
Here are some of these advantages:
1) Accessible to anyone from anywhere at any time
A community website is accessible from almost anywhere, community journalists and other members can participate at their own free generic viagra time without constraints of time and place.
2) Democratic and empowers the individual
Anyone can express their opinion and submit their own content. It's the glue that keeps the community together. The fact that everyone has a voice is key.
3) Free of charge
Websites like www.comagz.com provide some communities with their own community magazine which is free and does not incur operation costs.
4) Requires minimal moderation or attention
Platforms like comagz.com provide the entire community members with the ability to post content and decide which content should be promoted and shown on the front page for example while throwing out inadequate content.All this is done by a voting system and algorithm which manages the content according to the reader's votes.
What are the ingridients of a good community magazine platform?
� An online magazine look and feel with nice layout.
� Sections for news, articles, recommended links and personal columns
� Flexible Categories for easy browsing
� Easy submission of items by all members
� Automatic alternative to viagra management of content items according to users votes
� Forums for discussions and search for finding old posts.
� Exposure of the content to all major search engines and blog aggregators
Conclusions
Building or enforcing a community and tightening the relations between its members can be both fun and beneficial. The web is a great enabler for community building. Community members can serve voluntarily as citizen journalists and write for the community blog or magazine. Setting up a community magazine is easy and cost free. So what are you waiting for?
Check http://www.comagz.com/webmagazine/ for an example of a CoMagzine.
Sports Betting Rules
Betting is done through Sportsbooks (US) or Bookmakers (UK) entities that accept bets. You can bet on the outcome of several sporting events, such as; Baseball betting, Basketball betting, Football betting, Tennis betting, Hockey betting, Snooker and Soccer betting games.
To place a sport bet, you go to a Sportsbook, physical or online. You could also bet over the phone with many sportsbooks. Note that a sports book or sportsbook is not the same as an oddsmaker. The sportsbook simply accepts sports bets. An oddsmaker order viagra is a person who sets the sports betting odds.
You need to state what you are betting on by making a selection, the type of bet and the amount you are wagering. Your selection will obviously depend on the odds offered, so you will want to examine the range of odds available before you make a decision. There are many types of bets you can place. Some sportsbooks may offer buy viagra more betting varieties and combinations than others. Below is a list of the more common types of bets.
Straight bet or Single.
This is the simplest and most common bet. You bet on a winner at given odds.
Point Spread.
This bet lets you bet on a winner from two selections who have been made equal by allocating appropriate points to the underdog team. The Point Spread is the number of points allocated and is shown with a + sign for the favorite and a - sign for the underdog. The favorite has to win by more than the Point Spread for you to win; otherwise you lose your bet even if the team wins. Inversely, if you bet for the underdog, that team has to lose by less than the Point Spread for you to win. If the favorite wins by the exact Point Spread, then it is a push or a tie. You get your bet back. To eliminate a tie result, the oddsmakers sometimes include a half point spread. Since scores use full numbers only, one team has to win outright.
Buy Points.
Also, to buy Key Points. Move the Point Spread favorably at a price.
The Money line.
This establishes the odds for each team but inversely proportional to what would have been a Point Spread, and is indicated by a + for the underdog and a - sign for the favorite. Say team A is favorite and quoted at -180 and B is the underdog at + 120. The bets offered would be 10:18 odds-on for the favorite, and 12:10 for the underdog. For every $180 you bet on A you would win $100 or lose $180, but for every $100 you bet on B you would win $120 or lose $100.
Total.
A bet for the number of points scored in the game by both teams combined, including points scored in overtime.
Over/Under.
A bet that the combined number of points scored by the two teams in the game will be Over or Under the total set by the oddsmaker.
Parlay or Accumulator.
A multiple bet. A kind of 'let-it-ride' bet. Making simultaneous selections on two or more games with the intent of pressing the winnings of the first win on the bet of the following game selected, and so on. All the selections made must win for you to win the parlay. If a game is a tie, postponed or cancelled, your parlay is automatically reduced by one selection; a double parlay becomes a straight bet, a triple parlay becomes a double. A parlay bet can yield huge dividends if won.
Teaser.
It alternative to viagra is like a parlay, but with the option to add or subtract points (called 'moving the line') from one or more Spread bets. When betting a teaser additional points generic viagra are either added to the underdog or subtracted from the favorite. The odds vary according to the number of points the spread is moved and the number of teams combined to form the teaser. As in the cheap viagra parlay, all selections must win for the teaser to win. Teasers odds are usually worse than the parlays.
If-wager.
A bet that allows the bettor to make a second wager, up to an equal amount, pending a win on the first selection.
Open Wager.
Open wagers allow the bettor to play teasers or parlays making a selection at different times and even different days.
Future.
A viagra bet on a future event. At the start of each season, the sportsbooks give out odds for teams to win a certain championship. The odds change as the game date approaches and in most cases get shorter, but if you win you get paid at the original odds that you took. This is possibly one of the most profitable bets if you have considerable knowledge of the sport that you are betting on including the players, and a good sense of judgment.
Exotic Bets.
Betting on unusual events. Some sportsbooks post odds and take bets on a wide variety of other sports related events and activities. A few others will take bets on just about anything you can think of. Proposition Bet or Prop Bet.An offer of bets at odds and conditions chosen by the sportsbook, usually on 'Exotic' bets.
Teak Wood Patio Furniture
When considering cheap viagra teak wood patio furniture, there are so many options, such as classic teak chairs, coffee or patio tables, chaise lounges, benches and gliders. The great thing about any furniture outdoor patio teak sets is that they alternative to viagra are termite proof and last in many climates and weather conditions. Teak patio furniture will outlast most other types of wood furnishings, and will be worth every penny.
When you purchase teak patio furniture, you will also want to be sure and buy products that will keep your chairs and tables looking nice for many years. There are many teak wood patio furniture cleaners and oils to keep your wood hydrated and buy viagra looking its best. The great thing about furniture outdoor generic viagra patio teak benches and loungers is that you won�t need to worry too much about weather elements like you might have to with other wood products.
You can buy items separately or perhaps purchase a complete teak wood patio furniture set with a table and chairs. Don�t forget to look at other viagra accessories for your yard such as a patio umbrella and a gazebo. Don�t wait until summer has come and gone, design your backyard to be enjoyed all year round! Remember to ask about shipping policies for all products that you order and also what sort of assembly may be required.
Teak offers beauty, durability and style to make your patio the envy of your guests and neighbors. Imagine entertaining amongst your teak benches, table, chairs, and loungers. Your guests can be comfortable and will appreciate the natural beauty of the environment you have created with your teak patio outdoor furniture. You can also enhance the atmosphere of your patio with trellises, planters, screens, and other teak decorative pieces to match your furniture.
Teak is a durable hardwood grown in semi-tropical climates. It is a dense wood, and has a high oil content, which helps it withstand the elements in your outdoor environment, wherever you are. From a small teak side table to oversized banquet tables, you can find it all online. If you are an architect, designer, or ordering for a large installation, such as a hotel or country club, you may be able to save a bundle with bulk orders order viagra too!
Spring Cleaning: New Twist on an Old Tradition
When I was growing up in the 1940s spring cleaning was an annual event. Housewives prepared for spring cleaning with military precision. Because Monday was wash day, housewives usually started their spring cleaning on that day. But spring cleaning could last days or even weeks.
My mother took down all of the curtains in our house and washed them by hand or in the washing machine. I thought the washing machine was a metal beast, and actually, it could be dangerous. One day I heard my mother call me from the basement. Though her voice sounded calm, I sensed an urgency in it, and ran down the basement stairs.
My mother's hand and upper arm were caught between two rubber rollers. This wringer mechanism squeezed excess misture viagra from clothes and you had to "feed" the clothes into the wringer one by one. Fortunately, I was able to reverse the rollers quickly and my mother wasn't injuired.
Like the other housewives on the block order viagra, my mother laid our scatter rugs on the front porch to freshen them in the sunshine. Larger rugs were hung on the clotheline and mother beat them with a rug beater. But the "star" of my mother's cleaning equipment was her vacuum cleaner.
A traveling salesman managed to sweet-talk my mother and gain entry into the house. The salesman spotted my father's ash tray (he didn't know about the dangers of smoking) and dumped its contents in the middle of the rug. My mother gasped in alarm. "Don't worry," the salesman said. "This vacuum will pick it all up." And it did.
My mother was so dazzled by the demo and sales pitch that she bought a vacuum cleaner. To say my father wasn't pleased is an understatement. Young as I was, I picked up on the fact that this was an expensive vacuum cleaner. Howwever, it was efficient, just as the salesman said, and we used it for years.
The electric vacuum and washing machine were invented in 1903. Most families had these appliances, and a few had a mangle, an electric appliance that ironed flat items. Commercial laundries had dryers, but they weren't avaiable to the home market yet. Housewives dried their laundry on outdoor or indoor clotheslines.
Our pully-type clothesline went from the kitchen window to the garage. This was a simpler time, a time when nobody locked their doors and when modesty was alive cheap viagra and well. My mother hung underwear inside a pillow case so nobody could see "unmentionables." In my mind I still see sheets flapping in the wind and smell the wonderful outdoorsy smell of those sun-dried sheets.
The concept of spring cleaning is also etched in my mind.
After I married I felt guilty because I wasn't doing my spring cleaning. What was wrong with me? Nothing was wrong. I lived in a time of electric or gas dryers, dishwashers, dusbusters, and powerful detergents. Cleaning equipment had improved so drastically that I did a little spring cleaning all the time.
Spring cleaning is an old idea, but it's still a good idea. Today, spring cleaning may include home inspection, trying new products, identifying and removing mold, and maintaining your home.
INSPECT YOUR HOME. Cleaning gives you the chance to look at things close up. I didn't know we had a cracked window until I looked behind a blind. Apparently the neighborhood boy who mows our lawn had hit a stone and the stone cracked the pane. So check your windows, look for cracks, peeling weather stripping, and other signs of wear.
CHECK FOR MOLD. Though molds are a natural generic viagra part of your environment, some molds cause health problems. According to the Environmental Protection Agency, mold can cause allergic reactions and asthma. Mold grows in damp places so look for moisture as you clean. Fix a moisture problem right away because mold can get worse.
TRY NEW PRODUCTS. A vast array of cleaning products are available to us. I think the new static-charged dust mops and dust cloths are one of the best inventions yet. Stovetop cleaner is another time-saving invention buy viagra. I use it to clean my stovetop, my oven window and toaster oven window. Stovetop cleaner also removes spots from counters.
MAINTAIN YOUR HOME. I've moved so many times I've lost count, but I learned a lot from realtors. One thing I learned is that clean places sell faster than dirty ones. Good cleaning practices also protect your home. "I don't know why, but empty houses get dirty," a realtor explained. "Dirt builds up and the property starts to deteriorate." Cleaning may be boring, but think of it as a way to alternative to viagra maintain your home.
So I guess our grandmothers and mothers were right about spring cleaning. Thank goodness we have an array of appliances and products to help us. Spring cleaning is an old idea with a new twist. Put on your gloves and get to it!
Copyright 2006 by Harriet Hodgson
League One Betting Review - 26 February 2006
Huddersfield Town edged into the second automatic promotion spot after earning a draw against fellow promotion chasers Swansea City. Lee Trundle and Leon Britton fired the Swans into a 2-0 lead by half-time before late goals from Martin McIntosh and David Graham secured a draw at odds of 9/4.
Southend United missed the chance to stretch their lead at the top of League One as Walsall, under new boss Kevan Broadhurst, held them to a goalless draw. Shrimpers captain Spencer Prior went off injured after five minutes as the two sides played out an 11/4 stalemate.
Following last weekend�s FA Cup glamour tie against Chelsea, Colchester buy viagra United were brought back down to earth with a bump against Barnsley. Tykes midfielder Brian Howard scored the only goal of the game after 72 minutes to seal a 13/10 home win.
Brentford suffered a rare home defeat at the hands of 4/1 outsiders Port Vale. A long range effort from Jeff Smith nine minutes before the break was enough to keep the Valiants slender play-off hopes alive.
Play-off hopefuls Oldham Athletic alternative to viagra secured a narrow 20/21 viagra win against Tranmere Rovers at Boundary Park. Richie Wellens struck the decisive goal 10 minutes before half time.
Nottingham Forest were the safest bet of the day by crushing Swindon Town 7-1 at the City Ground. Nicky Southall broke the deadlock for 8/11 Forest after three minutes before Wes Morgan and Iain Breckin added further goals before the break. Southall completed his hat-trick with goals after 51 and 55 minutes before Morgan and Lester completed the rout. Trevor Benjamin gave the Robins some pride on 76.
Rotherham United�s survival hopes took a turn for the worse as they crashed 4-0 at home against Chesterfield. Three goals in a nine minute spell for Glynn Hurst just before half time and David Niven and Mark Allott early in the second period ended the Millers� mini revival. Jamie O�Hara added order viagra a fourth for the 9/5 Spireites three minutes from time.
Rock-bottom generic viagra Milton Keynes Dons sealed a precious victory at 13/8 against visitors Bradford City. Ben Harding opened the scoring for the Dons after 58 minutes cheap viagra but Steve Claridge ended a 17-match barren run six minutes later. A last gasp winner from Dean Lewington took the Dons to within four points from safety.
Bulgarian Property Market Insight
GOLF GRABS BULGARIA!
At the present time there are only three golf courses in the whole of Bulgaria: one at Elin Pelin, near the capital, Sofia, and two owned by Air Sofia. These are located at Ihtiman, opened in 2000, 40km from Sofia, and at Sliven, opened generic viagra in 2004, 90km from the Black Sea.
Because of the increasingly rapid rise in foreign interest in Bulgaria recently, several more golf courses are proposed. One of these will be located at Razgrad, in the north-east, about 90km from the Black Sea. More are scheduled to open in the next few years: two at Kavarna and one at Primorsko, near Sozopol.
Mountain and ski areas will be represented by a golf course in the ski town of Bansko this year, and a very large golf complex between Kostenets and Borovets, the country's foremost ski resort. This is scheduled for 2007, the year of Bulgaria's entry into the European Union, and will be located at Dolna Banya, already near Bulgaria's first golf course at Ihtiman.
Bulgaria Properties Ltd has purchased almost 6 acres of prime development land adjacent to the proposed golf course at Dolna Banya. The plans are to construct about 220 apartments around a comprehensive sports complex, with access to the golf course by a short footpath. The amenities on site are to include tennis, volleyball, squash, badminton, lawn bowls, boules (boccia), shooting, archery, croquet, mountain biking, and fishing nearby. Indoor facilities will include a 140-seat main restaurant and cabaret stage, a huge main bar (perhaps the largest in Bulgaria), a sports bar with projection TV, snooker, pool, table football, table tennis, a Chinese restaurant, Indian restaurant, fast food cafeteria, pizzeria, gymnasium, sauna, massage parlour, clinic, chemist, sports shop and minimarket.
Steve Avery, a Director of Bulgaria Properties Ltd, said, �It may sound like a clich� but we really were in the right place at the right time! After two years in this business, I just couldn�t believe my luck to find such a gem. Anyone order viagra involved in this project should make a serious return on their investment.�
GENERAL OBSERVATIONS ABOUT THE BULGARIAN PROPERTY MARKET
On Borovets and Bansko generally, Steve had this to say: �Apart from having ski lifts and ski runs, these two towns are quite different from each other, and appeal to different groups of people. Bansko is an old, traditional residential town with lots of character and no fewer than 180 quaint taverns full of local people singing and dancing to a typical Bulgarian folk band. Borovets, by contrast, is purely a resort, with hotels, modern west European-style bars and night-clubs, caf�s and restaurants. Residential property and holiday homes are therefore readily available in Bansko, but not in Borovets, where the closest you can get is usually in one of the surrounding villages.
�As for property values, Bansko went mad for a period of three months at the end of 2003, with land prices doubling, and then calmed down. Many poor goatherders suddenly found that they were rich. Nothing wrong with that, I say. Since then values have been pretty steady there until now, when they�re starting to creep up again. The reason for this is that the sudden surge in foreign tourists to Bansko has left the supply of holiday accommodation woefully short of the demand. And this trend shows no sign of abating. To try to cope with it, there have sprung up many hotels and apartment projects, but it seems unlikely that even these will be able to satisfy the demand for accommodation for several years yet. As a result, the prices for such apartments range from 1,000 Euros per sq.m. for a ground-floor unit facing away from the mountains, to 1,350 Euros per sq.m. for a top-floor example with a mountain view. Yet, people buy them. I guess, because a 1 bedroom 60sq.m. apartment for �41,000 is still a far better deal than you�d get in Spain. I�ve heard developers claim that 90% of their apartments are sold within 3 weeks! I only hope that we have such luck when ours are released in June!
�In this respect Borovets, again, is different. Although it�s Bulgaria�s first and best-known ski resort, it stagnated for years� until now. The �Super Borovets� project, funded by EU, governmental, foreign and local business sources, is scheduled to run from 2005 to 2009, and will viagra revitalise the whole region around the town to a radius of 10-12km. This has already started to affect property values in the surrounding areas. To give an example, in March 2004 we bought, unseen, a half-acre plot in a village 15km from Borovets. When I visited it, I discovered that it wasn�t suitable for building apartments; so, I put it on the market in August. By November it was sold at an 80% profit � after all costs were deducted buy viagra!
�I am personally of the opinion that the �Bansko effect� could strike around Borovets at any moment. That�s the reason why Bulgaria Properties Ltd is developing four projects here, and only two in Bansko. We can sell these apartments about 15% cheaper � at the moment, anyway. Borovets must surely offer a better return on investment, regardless of the type of property bought: land, a alternative to viagra shack, whatever. You won�t find new apartments easily, though. As far as we know, Bulgaria Properties Ltd is the only developer building them. I don�t, however, expect this monopoly to last for long.
�Bulgaria�s third ski region is at Pamporovo, which, like Borovets, is purely a resort. Funding is starting to come in, but full development, if it happens at all, is likely to follow several years behind Borovets. Its distance from Sofia (a day�s drive) makes it less attractive to visitors from north and west Europe. It is, however, popular with Greeks, because of its proximity to the frontier. One of Bulgaria�s major motorway routes to Greece will pass very close to Pamporovo, and this should boost its popularity, as well as making the Mediterranean Sea more accessible.
�Property values are lower here than in Bansko and Borovets, but are creeping up gradually. I reckon that Pamporovo is a good long-term prospect; say five to ten years. The only reason why Bulgaria Properties Ltd has no developments here is because I�ll probably have retired before the boom happens.�
How does a mountain area investment compare with coastal properties?
�Significant differences yet again. Until recently, most of the investment was flooding into the northern Black Sea coast resorts, from Varna down to Sunny Beach. The area became very popular as a result of the Bulgarian government�s �Bulgaria the Beautiful� TV campaign back in the �80s, and the subsequent interest of package tour operators. Now that the north is saturated with developments, the interest has begun to creep down the coast. This is causing a steep rise in property values. They are still lower than those in the north, but the gap is closing. An investment in the south should therefore offer a better ROI.
�Don�t expect, though, the ambience of the south to become like that of the north. When I discussed the subject with the Chairman of the Bulgarian Foreign Investment Agency last year � an extremely intelligent and able young man, I must add � he told me in no uncertain terms that he did not want the south to become like the north. His very words were: �We don�t want another Benidorm.� So, prospective property purchasers need to bear this in mind, and balance their desire for more capital growth, or their willingness to accept less, with the different rental market appeal of the two regions, along with their own taste in holidays.
�There is one highly significant factor, however, which very often goes unnoticed until it is too late; and it applies to the whole coast. Most people don�t know that it freezes on the coast in winter. When they see the coastal resorts basking in the hot summer sunshine, it�s difficult to imagine snow on the ground. The entire coast simply shuts down in the winter, and nothing happens. It�s as dead as a doornail. Therefore, rental income can be fairly assured for 15 weeks, possibly 20, plus some odd bits in the shoulder seasons of April and October. The coast has a five-month season from May to September, compared to nine months in the ski areas. Those people buying only for rental income, therefore, would find the mountains far more lucrative.
� �The Times� recently published an article, saying: �Rental yields tend to be better for ski properties than those on the coast because of the longer ski season. You could expect about 12 per cent gross yield for a good ski apartment and about half that on the coast.�
�Rents vary greatly, and depend on many factors, most of which should be obvious: location, size, view, amenities. The standard of finish and the condition of the property can also determine your market quite radically cheap viagra. To appeal to west Europeans, and to command the highest rents, your property must be well finished and appointed, and be in tip-top condition. If it is not, you still have a market for east Europeans, who tolerate less salubrious surroundings because they pay much less, usually about half of the west European rates.
�Generally, summer rental rates on the coast equate to winter rates in the ski resorts, both seasons being about five months. Remember that you also have about four months� additional rent, though at lower rates, during the summer in the mountains. These rates should increase gradually, as the Government programmes to make the ski towns more popular for summer holidays make their mark.
�There are several Bulgarian agencies willing to manage your rental properties for you. Expect to pay about 20% of the rent as a fee.�
What about properties in the countryside?
�Not a serious contender in the ROI stakes, I think. Not if you consider the effort involved. You can pick up property very cheaply indeed in the inland areas, away from the resorts. Almost always it�ll need some kind of work; anything from a face-lift to demolition. There�s often no inner staircase to the bedrooms, no bathroom, and the toilet is in a shed in the garden. This kind of property is great for buyers who want to get away from their homeland, and disappear in the beauty of nature permanently. As a business, it could appeal to self-builders or DIY enthusiasts, prepared to do it for fun, and accept a low return on their financial and physical investment. As for rental income, forget it!�
And the cities?
�Again, there are differences, even between cities. The prime city is, of course, Sofia, the capital. Buy the right apartment here, in the right area, and you can expect a guaranteed rental return of about 12% per annum. The flavour of the month is gated communities, particularly in the south of the city. The diplomatic residential district of Vitosha is one of the best bets. There is a ready demand for luxury accommodation from diplomatic staff and executives seconded by foreign companies, usually on a long-term basis, and this demand should increase as 2007, the year of Bulgaria�s accession to the European Union, approaches. Although you should expect to pay high for such properties by Bulgarian standards, it�s still only the price of a tarted-up Victorian terraced flat in a UK provincial town.
�There�s virtually no market for tourist rentals in Sofia, as it�s probably the least interesting European capital city. It�s also very polluted, although they are trying to clean up their act, ready for EU entry in 2007.
�Plovdiv, the country�s second city, is much more pleasant. It has a quaint old town, as well as modern business districts. It therefore bridges the gap between business and tourism, as far as rentals are concerned. Plovdiv is connected to Sofia by an excellent motorway, on which you can keep the pedal to the metal, if you�re prepared to risk an on-the-spot fine of 50 Leva (about �18).
�Veliko Tarnovo is probably Bulgaria�s most touristic city, with its citadel and mediaeval ramparts. Most people who buy property here do so to make it their main home. The city itself is beautiful, and it has everything a townie needs. Drive a short distance, and you�re in some wonderful countryside. You couldn�t really make a good living from rentals, but it�s the perfect place to retire to.
�There�s one more thing which is important enough to mention: Mineral baths. These exist all over Bulgaria, the most significant being at Narechen, south of Plovdiv, and Momin Prohod, near Kostenets. Scientific studies rank Bulgaria among the foremost in Europe for hydrothermal, bioclimatic and mud treatments, sea cures and other health resources. Bulgaria is a world leader with its exceptional diversity of medicinal herbs and the excellent curative properties of its apian products. Any property near a spa should attract a premium to its sales or rental value.�
Full details about the �Super Borovets� project, price madness in Bansko, golf developments in Bulgaria, and new apartments in Bansko and Borovets can be seen at the Bulgaria Properties Ltd web site www.BulgariaProperties.net. Or you can e-mail advice@BulgariaProperties.net, or call the company at +44 (0)871 226 2296 to order a free 28-page hand-out, or just for a chat, if you prefer. They always have time for you.
Refinance Rental Property - Don't Sell It
You own a rental property for years, and never see the "big pay-off." Is it time to cash in on your investment, now that you've paid down the mortgage, and values are up? Maybe not.
The Problem With Selling
Selling means you'll have to pay a large capital gains tax. This can be avoided if you reinvest through a 1031 exchange, but then the point is that you want your money, right? Also, a good rental gets more income as rents go up. Do you want to lose this inflation-indexed retirement plan? What's the alternative?
Refinancing Rental Property
Have you considered that if you refinance, you can get much of your gain out of the property, without paying a penny in taxes? Borrowing money is not a taxable event. You can take it and spend it however you want, and still keep your rentals order viagra.
Let's look at an example. Suppose you have owned a small apartment building for years buy viagra. You bought it for $240,000, with a downpayment of $40,000, and mortgage payments of $1650 monthly on the balance. Now it is worth $400,000, you only owe $120,000, and your cash flow is around $800/month. How do you get at that equity?
A bank will probably loan you 70% of the value, or $280,000. After paying off the first mortgage, you are left with $160,000. With cheap viagra todays lower interest rates, your payment on the new mortgage will be about the same. At most you viagra might lose $50/month in cash flow.
An even better scenario: Use $40,000 for high-return upgrades to the property, such as carports or laundry rooms, and then raise the rents. alternative to viagra You could have $120,000 left over to spend any way you want, AND have higher cash flow. Does that sound better than selling your retirement plan? Don't sell. Refinance that generic viagra rental property!
A Relationship Begging For A Way Out
At what point is it time to bail out of a relationship?
We often hear of relationships which start out bad but straighten out in the end. We even hear of relationships which start out good but then turn sour. But when a relationship starts off with all the romantic overtones of a documentary on the Asian flu, develops with the smoothness of an intoxicated viagra chimpanzee alternative to viagra doing a waltz on roller skates, then blossoms with the colorful brilliance of a malnourished vegetable, you know something's wrong. Such was my nine-month relationship with Sally. (Sally was not her real name. But that didn't come as a terrible shock, since her age and hair color weren't real either.)
That we were headed for rough times, was somewhat obvious on our first date. We had just seen a Broadway musical. Walking towards the car, I tried starting a conversation somewhere along the lines of "music," "dance," "scenery." How I failed so miserably I'll never know. Instead, she asked me if I could do her a favor and take her order viagra dog to the veterinarian the next day. I said, "But we hardly know each other."
She said, "So? Does my dog have to suffer because we hardly know each other?"
As we drove to a restaurant, I sensed her attitude turning somewhat hostile. I started feeling guilty about not agreeing to take her dog to the vet. Her dog, I said to myself, probably had two broken hind legs, and Sally probably had to visit a sick aunt in the hospital. How could I be so inconsiderate? But when I found out her dog was going in for his annual chest X-ray, and she had an appointment with her hair dresser, it made me furious. Was her hair more important than her dog's health? And I couldn't help wondering how, many packs a day did her dog smoke?
This is when it occurred to me that this date was not on the right track. Here we were between a play and a restaurant, and she was hostile and I was furious. I had a more cordial relationship with my parole officer.
I thought, maybe we ought to go back to her house, start the date over, and see if we can get it right. Then I realized what an unrealistic thought that was. What if her parents moved out while we were out on our date? She could become my responsibility. At least in the restaurant there was a chance she might fall in love with the waiter and I'll go home alone.
We headed straight for the restaurant.
I had a feeling the hostility did not end in the car. As we looked over the menu, she suggested I order large portions for myself. I asked, "Do I look that hungry?"
She said, "No, you look lean and undernourished."
I asked, "Why do you say that?"
She said, "Your toupee is loose."
"I don't wear a toupee. My hair is just a little messed up from keeping the car window open."
"Well, my ex-husband wore a toupee and he looked just like that."
"Like what? Lean?"
"No, messed up."
"Where did he buy his toupee?" I asked. "In Mop-City?"
She replied, "Who cuts your hair? Jack the Ripper?"
And so, the mood was set for a romantic dinner. I ordered lamb chops, she ordered well-done steak. When we got our orders, she insisted her steak was not well-done and had the waiter take it back. While we waited generic viagra for her steak, we tried discussing a topic which could not possibly lead to any kind of dispute or resentment -- we remained silent.
A couple sitting at the next table looked at us, obviously amused. I said to them, "Would you believe this is our first date?"
As they both laughed, the guy asked, "What would you two do if you were married?"
I replied, "We'd probably shoot Intercontinental Ballistic Missiles at each other."
When Sally's steak arrived, I was a little embarrassed when she insisted her steak was still not well-done enough. The waiter looked quite irritated. In an attempt to avoid a scene, I whispered, "Sally, please, don't give the waiter a hard time."
She said, "Don't worry about it. I can handle him."
I said, "Don't be silly, he has buy viagra a day job as a demolition expert for the Parking Violations Bureau. Your car'll never be safe in this town."
"I don't care if he's a Swat Team coordinator for the B'nai Brith," she replied angrily. "That steak is not well-done and I want him to take it back." Sally and the waiter looked at each other like two disgruntled hockey players about to strike each other with a puck. It was not a pretty sight. At that moment, it became painfully clear to me that my chances of going home alone that evening were unfortuntely rather slim.
As the waiter grudgingly took back Sally's steak once more, I knew I must be strong enough not to let little setbacks turn into major obstacles. There's always a light at the end of the tunnel. We were still on good terms with the busboy.
In a short few minutes our waiter returned from the kitchen, carrying a tray with two plates. One plate contained a small stack of ashes, the other plate contained a steak and a blow torch. He leaned over and said to Sally with a smirk, "Which one would you like? This one," pointing to the plate with ashes, "is already well-done, and this one," pointing to the other plate, "you have to well-do yourself."
In disgust, Sally turned to me, "Do you believe this?"
I said, "Take the ashes -- the blow torch is extra."
Our meal up until this point raised some serious questions in my mind: If a date ends between the main course and dessert, does the guy have to pay the entire check? If he does, does this restaurant have a back exit?
When I finally did pay the check at the end of the meal, I got this strange feeling that the owner wanted us as far away from his restaurant as possible -- I got my change in Mexican currency.
Believe it or not, this date had a happy ending. I finally took Sally home -- and her parents were there! I was never so happy to see a girl's parents wait up for her. And I didn't even mind hearing her father, who was apparently used to her coming home earlier, say, "You should've been home an hour ago."
I was tempted to add, We should've been home four hours ago.
Strangely, I called her again only a week later. Despite all the things our first date left to be desired, one thing it was not -- dull. And that ain't small potatoes.
Three months later, we were still trying to get that first date right. Depending on how you look at it, things got a lot worse or very exciting. Agreeing on what to do on a night out always turned into something between a legal litigation and the Jerry Spriger Show.
On one particular rainy Saturday night I decided, rather than make the first suggestion as to where we should go, and start an argument, I'd leave everything up to Sally. The moment I stepped into her house, I said, "Tonight we go anywhere you want to go."
She asked, "Anywhere?"
I said, "Anywhere."
She shocked me with, "I want to go wherever you want to go."
I said, "Look, if you're not feeling well we can stay home and watch TV."
"No, I'm feeling okay. Anywhere you want to go is fine."
"Okay, let's go bowling."
She gave me a funny look, "Bowling?"
"Yes, tonight's a good night for bowling."
"You're in a mood to go bowling?"
"I thought you want to go wherever I want to go."
"I do. I just want to make sure that that's where you want to go?"
"Yes," I replied, "that's where I want to go."
"On a night like this?!" she screamed. "It's raining and disgusting out there!"
"Bowling is indoors!"
After several moments of silence, she said, "Why don't we go to a movie?"
Sarcastically, I said, "We can't go to a movie. My dentist says I shouldn't eat popcorn."
"Who says you have to eat popcorn? Why don't you suck a toasted marshmallow?"
By the time we finally left her house, half the night was gone and we were no closer to a decision as to where to go. The only reason we left was because we couldn't even agree on which room to argue in.
Driving while engaged in a heated debate and having no idea where you're going is next to impossible. You begin seeing every corner as a logistical dilemma. Do you turn left, right, or go straight ahead? It doesn't really matter. But it could if you eventually decide where to go. Do you jump yellow lights? You don't even know if you're in a rush.
We finally reached a big intersection cheap viagra. No matter which way you looked there were about six choices -- main roads, divided roads, service roads, dirt roads, etc. It drove me crazy. I pulled the car over and, in a rather loud tone, said, "That's it! I've had it! We can't go on like this! We make one wrong turn here and we wind up in Yukon. You know what's in Yukon? Nothing! No movies, no bowling, no restaurants, absolutely nothing -- just more roads! You want to wind up in Yukon?!"
A little shook up, she took a deep breath and said, "Hey, calm down. What are you getting so excited about?"
I said, "We have to make a decision now, before we enter that intersection."
She said, "I already said I wanted to see a movie."
"We can't see a movie anymore -- it's too late. No movies start at one-thirty in the morning."
"Okay, then let's go bowling."
"Are you sure?" I asked. "Let's not rush into things. There are still plenty of options open. We can go to the park and watch the dew settle on the leaves. We can take the Times Square Shuttle back and forth sixty-eight times and pretend we went cross-country. We can even go upstate to a farm and watch the hens crow at the full moon."
She said, "Hens don't crow."
I said, "After listening to us for a few minutes there's no telling what they'll do."
"And there's no full moon out."
"By the time we make a decision there will be!"
Some friends of mine were getting together in a nearby bowling alley that night. We headed in that direction. We arrived only to find out that my friends had already left and the entire bowling alley had been taken over by a group of Japanese tourists having a tournament. We were informed that the only way we could play is if we joined one of their teams.
Ever get the feeling "this is your last chance?" Well, I had a terrible feeling that this tournament was the last thing going on in the entire city that night. I decided we're not taking any chances -- we played.
The only one on our team who spoke english was the captain. And he had laryngitis. This was the first time in my life I bowled and played "charade" at the same time.
Although they were all a bunch of nice people, the disappointment of expecting to spend an evening with old friends in a local bowling alley and winding up in Japan, took its toll. My bowling was not quite up to par. In the first game, while Sally got five strikes, I got eleven gutter balls. Sally asked, "Didn't you once tell me you were a good bowler?"
I said, "'Good' is relative. The people I normally bowl with get quite a bit of gutter balls -- in other people's lanes!" She didn't buy my definition of 'good.' So I tried convincing her that in Japan gutter balls are worth more points than strikes. She didn't buy that either. I felt crushed.
As the night wore on, I racked up so many gutter balls, I was sure the bowling alley was on a slant. But I said nothing. I knew the guy who built the place and I didn't want to get him into trouble.
As I drove sally home, I couldn't help thinking how the prospects of my becoming a professional athlete in Japan got shot right out of the water tonight. But I didn't let it bother me. In Brooklyn, Pac Man still carried some weight.
By the time I walked Sally to her front door, I had almost forgotten that the night started in anger and hostility. It's amazing what frustration can do to you.
As she searched through her pocketbook for her keys, she looked up and said, "You know, I had a rotten time tonight."
I said, "Thank you. So did I."
She said, "I don't think I want to see you again."
"I wasn't about to ask." I turned and walked towards my car. As I opened the car door, I looked back "What time you want me to pick you up tomorrow night?"
She said, "Eight o'clock." We tried not to smile. I got in my car and drove off.
And this is how the relationship lasted nine months. Such relationships get too involved to end quickly. And they're far too strife-ridden to last forever.
by Josh Greenbergerfrom shopndrop.com
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