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Hello from Toronto: The City Viewed Through the Eyes of First-Time Visitors

So my brother is in town, together with his wife and 2 friends from my little home town in Austria. It is everybody's first time in North America and their initiation to Toronto. Just to give you ideas of dimensions: Austria has a population of about 9 million and the country extends about 900 km from east to west while the Greater Toronto area nowadays probably has about 4 to 5 million people and Lake Ontario alone is over 300 km long. The first thing my visitors noticed was the difference in size: the size of the city, the size of the lake, the size of cars, the size of supermarkets, and even of refrigerators.

On Sunday we started off with a little driving tour of Toronto where I first took my visitors down to the lakefront by the historic Art Deco style R.C. Filtration Plant. All of them love water and to have a lake as big as an ocean so close by fascinated them. After a leisurely drive on Queen Street through the quaint Beaches neighbourhood we parked the car close to the St. Lawrence Market and started our walk around.

Since my brother is a chef and always loves to purchase market-fresh food, I initially took him to the St. Lawrence Market which always has an antique sale on Sunday. The food market is actually closed on Sunday. We checked out the wares from old furniture to cameras to various knick-knacks.

Our exploration continued viagra westwards along Front Street past historic 19th century houses and cheap viagra of course past the famous triangular-shaped Flatiron Building which has a mural on its west side. Approaching Yonge Street we walked past the Hockey Hall of Fame, a historic Beaux-Arts former bank building, the magnificent Royal York Hotel, built in 1929, once the largest hotel in the British Commonwealth.

One of the things that fascinated my visitors alternative to viagra most was how old and new can coexist right next to each other: shiny skyscrapers are located right beside historic sandstone churches. Our walking tour continued past Union Station, Toronto's impressive central railway station order viagra, built between 1914 and 1927 as a joint construction project by the Canadian Pacific Railway and Grand Trunk Railway (now the Canadian National Railway). Its monumental scale, classical detail and rational, ordered planning were hallmarks of the style. The station is massive and takes up an entire block on Front Street between York Street and Bay Street. The Great Hall of the Station is 250 ft. long and 84 ft. wide.

Our walk continued further west generic viagra on Front Street buy viagra past the Convention Centre to the base of the CN Tower and the entrance to the Skydome, Toronto's multi-purpose stadium with a retractable roof, now called the Rogers Centre. We then snaked our way up through the Entertainment District to Queen Street where we admired Osgoode Hall, built in the 1830s, and now an oasis of green in the city. An ornate iron fence, built in 1867, renowned for its peculiar "cow gates," surrounds the property and its beautiful gardens. The cow gates in particular fascinated my visitors.

Our next stop was at New City Hall and Old City Hall, opened in 1899, which racked up construction costs of more than $2.5 million at the time which caused great controversy in those days. Continuing past the Bay Department Store on Queen we passed the Metropolitan United Church, an English style cathedral dating from 1872, whose churchyard was filled with people enjoying the warm day.

Once back in the car we drove through the U of T campus, my Alma Mater and we stopped briefly to check out Hart House and Kings College. Then we headed down to Chinatown at Spadina and Dundas and my visitors marvelled at this exotic, busy market area. Our last stop on the tour was Kensington Market, a lively little neighbourhood full of food and clothing stories and restaurants where we ended up picking up fresh vegetables, dry beans, and a variety of cheeses for some of the scrumptious meals to come. My brother, the chef, marvelled at the variety of food avialable here, combined with the inexpensive prices a food lover's dream.

We took our loot home where my husband was waiting for us with a big brunch to strengthen ourselves for attending a birthday party of one of my friends that had the motto of "let out your inner child". The party was unique in that it involved such time-honoured Toronto traditions as hitting a pi�ada while a bunch of adults were playing with water guns, chasing one another around the house with buckets of water dropping on the combatants from the second floor.

I think our visitors had a full day, from getting a first taste of Toronto, to participating in a rather eventful birthday party, their first impressions were very positive and they were looking forward to exploring more of this exciting city.

Lindsey Jacobellis: The End Of Snowboarding Innocence

Lindsey Jacobellis flew into the frigid Italian atmosphere as a celebrated and admired snowboarding superstar but, after an adrenalin-fueled grab at her board in mid-flight, she returned to earth in a meteoric flameout destined to make her a lock for membership in the Bonehead Hall of Shame. But her gaffe also represents a watershed moment for a sport once typified by such actions.

Snowboarding is a serious sport populated by serious athletes. Participants in competitions throughout the world work and train and sacrifice to race and win and be recognized as the best in their sport. But the ascension of snowboarding from a wild, rebellious and carefree winter activity to a corporately-sponsored, mainstream viagra, Olympic-level competition has resulted in attitudes and expectations that are radically divergent from the once-radical personality that dominated the sport.

Lindsey Jacobellis began snowboarding in rural Roxbury, CT when she was 10-years old. Coached by her older brother, Ben, Lindsey was forced to compete against boys since there was no girls� division for the sport. This co-ed racing helped her develop a highly competitive spirit. Leading up to the Olympics she trained with the American men since she is the only U.S. woman competing in snowboard cross. She is, quite simply, the best women�s snowboard cross racer in the world. But, as a result of her fall in the Italian Alps, she will not be an Olympic champion in 2006.

What Lindsey cheap viagra Jacobellis will be, to many, is a showboating hot dog. She will be derided for being cocky, over-confidant and foolish. One television reporter stated that Lindsey had left a �blemish on the sport of snowboarding.� Another said that the �nation�s hope for a gold medal� in this event rested �solely on her shoulders.� Her agent is probably on suicide watch after seeing his dreams of gold generic viagra medal endorsement deals get swept away in an avalanche of shattered dreams.

And how does Lindsey feel about all of this? "I went for the jump because I was having fun," she said. "Snowboarding is fun, and I wanted to share that with the crowd. ... I was caught up in the moment and forgot that I had to race.�

Poor Lindsey. Doesn�t she realize that competing at this level is not supposed to be fun? That getting �caught up in the order viagra moment� was a reckless, selfish and careless demonstration of na�ve exuberance? How could Lindsey have been so irresponsible that she would have allowed the thrill of flying down a frosty hill, free, fast and in first-place by a snowboarding mile, to be manifested in buy viagra a flamboyant maneuver for which snowboarders used to be hailed?

�Used to be�� That is the operative phrase at the moment. Snowboarding has come of age. Millions are watching world-class athletes compete for gold, silver and bronze. Fame and fortune await the winners. Only memories of a temporary place on the world stage await the rest. But Lindsey Jacobellis will forever straddle the chasm between Olympic winners and Olympic losers. She now carries the weight of Olympic silver around her neck and the stigma of Olympic failure on her competitive resume.

By her self-inflicted disaster, Lindsey Jacobellis has elevated snowboarding to a premier winter alternative to viagra sport. No longer will the freewheeling, high-flying, �hey dude, watch this,� X Game-style mentality apply to competitive snowboarding. It�s about winning and money and national honor and endorsements. Getting ramped up and having fun are no longer permissible attitudes for the sport.

Dude, this is serious!

The Power of the Fax

In July 2005, another curious law went into effect. This one, called the Junk Fax Prevention Act of 2005 (JFPA) has several surprises for business owners in terms of sending routine faxes to their customers. This new law just doesn�t impact the sending of what we would think of as �junk� faxes order viagra. It addresses several other areas that will impact how you do business via fax.

What is a Junk Fax?

Understandably, we would think of a junk fax as an unsolicited fax. However, under JFPA, unsolicited is defined as �any material advertising the commercial availability or quality of any property, goods or services which is transmitted to any person without that person�s prior express invitation or permission, in writing or otherwise alternative to viagra.�

So, if you viagra were generic viagra sending out an announcement, via fax, regarding a new product or service to your customers, it could be considered a junk fax under JFPA.

Importance of an EBR

But wait, the new law complicates things even more. Your �established business relationship� (EBR) is now extremely important in terms of marketing your business using the fax.

You are still allowed to send unsolicited cheap viagra faxes to anyone with whom you maintain an EBR. An EBR is defined as "a prior or existing relationship formed by a voluntary two-way communication between a person or entity and a residential subscriber with or without an exchange of consideration, on the basis of an inquiry, application, purchase or transaction by the residential subscriber regarding products or services offered by such person or entity, which relationship has not been previously terminated by either party."

Right to �Opt-Out�

You also have to provide buy viagra an �opt-out� option on all faxes. Fax cover sheets are now to include �opt-out� information, regardless if your business has an EBR or not, the first page of every fax solicitation has to tell the receiver how they can �opt-out� of receiving future faxes from your company.

And, we aren�t talking about a simple �opt-out� check box. JFPA has kindly provided an extensive guideline for the �opt-out� notice. An �opt-out� needs:

� To be "clear and conspicuous and on the first page of the" fax;

� Notice that your failure to comply within the shortest, reasonable amount of time with any opt-out notice sent by a customer will be a violation of the law;

� A "domestic contact telephone and facsimile machine number" for the recipient to transmit any opt-out notice request;

� A "cost-free mechanism" that the recipient can use to send the opt-out notice; and

� Allows the recipient to opt out "at any time on any day of the week"

Failure to Comply

Noncompliance equals sizeable penalties. The law allows anyone who has illegally received a junk fax to sue for and recover $500 - $1500 or more per violation. Surprisingly, the law now allows for class action lawsuits and even small claims court lawsuits to be filed.

Real Estate Appraisal - Rental Properties

Real estate appraisal for rental properties isn't the same as for single family homes. If you were looking at a 24-unit building, it would be difficult to find similar ones nearby that have recently sold. Therefore, a market analysis using comparable sales isn't normally used.

It is also not ideal to use replacement costs either. How do you figure replacement cost if there is no land for sale nearby with proper zoning? This buy viagra is used as a secondary method, though, and can tell you if maybe you should be building instead of buying.

Real Estate Appraisal Using Capitalization

Investors buy rental properties for the income. Therefore it is the income that is used to determine value. The rate of return expected by investors in a given area gives you the capitalization rate, and this is what you use to accurately appraise an income property.

Start with the gross income. Subtract all expenses, but not including loan viagra payments. If cheap viagra a building's gross generic viagra income is $82,000 per year, and the expenses $30,000, you have a net before debt-service of $52,000. Now apply the capitalization rate to this figure.

If the common capitalization alternative to viagra rate is .10, for example (ask a real estate agent), divide the income of $52,000 by .10, and you get $520,000. This is the value of the building. If the usual rate is .08, meaning investors in the area expect an 8% return, the value would be $650,000.

Easy Real Estate Appraisal?

Net income before debt-service, divided by the "cap rate:" It really is a simple formula. The tough part getting accurate income figures. Is the seller order viagra showing you ALL the normal expenses, and not exagerating income? If he stopped repairs for a year, and is showing "projected" rents, the income figure could be $15,000 too high. This would mean the building is worth $187,000 less (.08 cap rate) than your appraisal shows.

Another thing smart investors do when buying, is to separate out income from vending machines and laundry machines. If these provide $6,000 of the income, that would add $75,000 to the appraised value (.08 cap rate). Do the appraisal without this income included, then add back the replacement cost of the machines (probably much less than $75,000).

Be careful when using any real estate appraisal method. No formula is perfect, and all are only as good as the figures you plug into them. Used wisely, though, real estate appraisal using capitalization rates is one of the most accurate methods.

Bradshaw/Montana No Show

Ok viagra, so usually something like this wouldn�t bother me � but the more I got thinking about cheap viagra it, the more steamed I became. All but three living Super Bowl MVP�s were present for the Pre-Game Ceremony generic viagra. Those players were Terry Bradshaw, Joe Montana, and Jake Scott. Oh, Jake Scott was traveling in Australia order viagra and could not make it you say? Well were Bradshaw and Montana with him? No, they weren�t! Wait, did you say they were both in Detroit at some point last week. What could have happened that would have kept them from attending a Ceremony honoring a game that has been both good and lucrative to them � let�s see:

1.) Death in the Family � Nope not that, I called and spoke with every immediate member of the Bradshaw and Montana family and all alive THANK GOD!

2.) Sickness � Nope, not that either. These were two of the toughest players ever to suit so there was no way a cold would have kept them alternative to viagra from that

So then what is left? I�ll tell you � MONEY! Bradshaw and Montana declined coming to the Super Bowl because it did not pay enough. Who do they think they are, Ted DiBiase? Not even close � They are two guys who owe at least showing up to a sport that has made them, if nothing else��FREAKIN LOADED.

Joe Montana reportedly was asking for $100,000 dollars as an appearance fee. That is $99,000 more than Steve Young received for showing up and although I believe Montana was a better QB, he wasn�t 100X better!

Terry Bradshaw � 4 time SB Champion � 2 Time SB MVP�.NO Show! Although he didn�t come out and say it�s about money�.it�s about money. Bradshaw is one of the highest paid Motivational Speakers in the country so he is paid big time to show up at events. Here is the kicker � He was in Detroit appearing that week to talk to

some group. Oh, another thing I just remembered, The Steelers were in the Super Bowl! Nice Terry, way to support your team�.ASS!

People buy viagra talk about today�s athlete and how it is only about the money and how the athlete of yester-year did it for �The Love of the Game� Well Jerome Bettis, modern athlete, showed up to play the game he loved while Bradshaw and Montana, well�you know.

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Online suppliers of erectile dysfunction medications are being exposed for selling fake versions of Viagra, Kamagra, and other ED drugs. Kamagra supplier www.iLoveKamagra.com offers free tips to help consumers protect themselves from mistakenly purchasing these fake medications. (PRWeb Apr 26, 2008) Read the full story at http://www.prweb.com/releases/2008/04/prweb889544.htm


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