Property Investment: How To Buy One On A Small Budget

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Submitted by: Joel Teo

We grow up with the fixed idea that our future relate mostly to getting a job and making small fortunes which will ensure us the long-dreamt house. But have you ever considered that real estate investing does not necessarily mean having a large amount of money? Your budget is small, but that shouldn t stop you from enjoying the benefits of real estate investing. In fact, buying cheap can turn into a gold mine, not to mention the comfort benefices.

If you are considering the real estate investing option, you should think of making some economies. This doesn t mean that you have to live on a 5% from your income and put away the rest. Sure, it would be great if you could do that, but real estate investing has the great advantage that you don t have to be a millionaire to afford accommodation.

The best idea for low-budget real estate investing is purchasing a cheap house and turning it into your dream villa. It s not very hard to find a real estate investing offer at low-cost and the great thing about it is that it can be renovated and value-addable. To make your real estate investing a flexible business, you should go for wood and natural material houses. Also, consider the fact that a good 2007 real estate investing tip is the ecologically sensitive approach. This way, you could orientate towards solar systems and wooden floors, which will let you cut back on your expenses.

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Moreover, real estate investing at low-cost lets you buy a unfurnished house that you can afterwards design and arrange at your own taste. This way, real estate investing becomes both cheap and original, allowing you to turn your home into a personality-centered estate. In real estate investing, quality does not necessarily mean lots of money. There are many houses that look expensive, which, in fact, are home-made products. Likewise, real estate investing can show you that success depends on you alone and not the money you put into the business.

If low-budget real estate investing still doesn t convince you, then you should take a glance at old houses: they come in cheap, can be transformed and have a solid foundation. What more could you ask for? Real estate investing basically encourages you to purchase, whether your budget is small or high and lets you, aside from making substantial economies, take over control in the renovation and furnishing section. Eventually, real estate investing turns out to be the best choice for both property investment and accommodation provider. And getting a house doesn t have to mean losing a fortune, but really taking things step by step and resorting to the unlimited world of possibilities that real estate investing can bring.

Copyright 2007 Joel Teo. All rights reserved. (You may publish this article in its entirety with the following author’s information with live links only.)

About the Author: Joel Teo writes on various financial topics including

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State Farm Insurance allegedly destroying papers

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Tuesday, April 11, 2006

Zach Scruggs, a lawyer for United States Senator Trent Lott, says that State Farm Insurance Company is destroying records related to claims for damage from Hurricane Katrina.

The records allegedly contain information saying that State Farm fraudulently denied insurance claims made by its policy holders, including Lott, that had homes there were damaged or destroyed when Hurricane Katrina came ashore on the Gulf Coast.

Scruggs said that Lott has “good faith belief” that many employees of the insurance company in Biloxi, Mississippi are destroying engineer’s reports that were inconclusive as to whether or not water or wind was the main cause of damage to the buildings affected by the hurricane.

Lott is among thousands of home and/or business owners who had their property damaged or destroyed during the hurricane and had their claims denied because State Farm claimed that their policies don’t cover damage caused by floods or water that was driven by the wind.

State Farm has not issued a statement on the matter so far.

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Former Formula 1 designer unveils new electric car

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Monday, November 9, 2009

Former Formula One McLaren designer Gordon Murray has unveiled a new all-electric car.

The car model, which is known as the T.27, is due to be developed over the course of the next 16 months with four prototypes. The process that will be used during the course of the manufacturing of the vehicle is called iStream. The technology iStream had been invented by Gordon Murray in 1999 and means that all the parts are designed using a computer.

The project has approximately received £9,000,000 (US$14,919,000) in investment. The electric car is designed for urban purposes, such as in cities or towns. The weight of the vehicle is just 600 kilograms. It has the ability to travel at speeds of up to 60 miles per hour and can go for a maximum of 100 miles between recharges.

The designer thinks that motorists will some day be travelling in vehicles like this. Murray believes that the new car will be ‘the most efficient electric vehicle on earth’.

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Afghan women’s rights official shot dead

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Tuesday, September 26, 2006

Safia Ahmed-jan, the director of the Afghan Ministry of Women’s Affairs for the Khandahar province and an advocate of women’s rights and a strong critic of the Taliban‘s repression of those rights, was shot dead by unidentified gunmen outside her home in Khandahar city in southern Afghanistan on Monday.

Safia Ama-jan, as she was known locally, is the first woman official to be targeted by the Taliban-led insurgency since it was deposed in 2001.

Safia Ahmed-jan taught at a girls’ school and was a high-school principal in Khandahar prior to the Taliban’s 1996 rise to power in Afghanistan. When the Taliban regime banned education for girls and forbade women from working outside the home, she ran an underground school for girls at her home, said her son Naqibullah, speaking to the Associated Press.

After the Taliban government was overthrown in 2001, Ahmed-jan became the provincial chief for women’s affairs in 2002, when the ministry was established and has since then held that position, worked for women’s rights and particularly, championed the cause of educating girls. Her secretary, Abdullah Khan told Associated Press that among her most successful projects were the vocational training schools she opened in Khandahar, where almost 1000 women were taught baking, tailoring and other skills.

Ahmed-jan has also been fiercely critical of the repression of women during the Taliban rule, in a region that has remained conservative and emerged as a hotbed of the Taliban’s insurgent activity. Her requests for personal security guards and transport went unheeded by the government, according to local media reports, though her nephew, Muhammad Asif told the New York Times that Ahmed-jan preferred to keep a low profile and used a taxi or public transport even though her office maintained cars and drivers.

Ahmed-jan was shot dead outside her house at about 7:30 a.m. local time (UTC+4:30) on Monday, as she left for work in a taxi. The gunmen are believed to have left scene on a motorcycle, and tyre marks have been found by the police, said the provincial governor Asadullah Khaled, who visited the scene of the attack.

Ahmed-jan was shot four times with a pistol, Muhammad Haidar, who worked in her office told the New York Times. Mohammad Nader, the head nurse at Khandahar’s main hospital where Ahmed-jan was taken to, confirmed to the Chicago Tribune that she was shot four times, including once in the head.

She was about 65 years old.

Accounts of the shooting are sketchy, several reports suggesting no one witnessed it. However, one man, identified as Allaudin told Al Jazeera that he saw two men on motorcycles waiting on the road, who attacked Ahmed-jan as she left her house.

A spokesman for the Khandahar governor, Daud Ahmadi confirmed the death and said that Ahmed-jan had died on the spot. An investigation into the attack has begun, and local officials have blamed the Taliban.

Hundreds of men and women, including the Governor Asadullah Khaled were present at Ahmed-jan’s funeral on Monday evening, which took place in Khandahar’s main Shia mosque.

The killing has been strongly condemned by the Afghan President Hamid Karzai as well as aid and human rights organisations in Afghanistan.

Aleem Siddique, a spokesman for the United Nations Assistance Mission in Afghanistan (UNAMA), said that UNAMA was “appalled at the senseless murder” of a woman who was working to ensure a full and equal part in the future of Afghanistan for its women. He added, “We share the sentiment of the majority of Afghan people who are appalled at this killing.”

Abdul Quadar Noorzai, head of the Afghan Independent Human Rights Commission (AIHRC) for the Khandahar region told IRIN News that Ahmed-jan’s death will have a “serious impact on women’s activities in the south where women are already suffering from … the deteriorating security and conservative traditions,”.

Fariba Ahmedi, a woman MP from Khandahar who was present at Ahmed-jan’s funeral told the Associated Press, “The enemy of Afghanistan killed her, but they should know it will not derail women from the path we are on. We will continue on our way,”.

Sonja Bachmann, a U.N. political officer who knew Ahmed-jan well told the New York Times that Ahmed-jan “did a good job, she worked in a very low-key way and worked hard to raise awareness about women’s issues.”

Reuters and Associated Press received phone calls, claiming responsibility for the attacks on behalf of Mullah Sadullah, a regional Taliban commander, but no confirmation of the claim has been possible.

Another caller, who identified himself as Taliban commander Mullah Hayat Khan told Al Jazeera that Ahmed-jan was killed because she worked for the government.

The Taliban-led insurgency has stepped up attacks in recent months, killing hundreds of people this year.

Last week, 19 Afghans working for reconstruction projects in the region were killed after their bus was ambushed.The Governor of Paktia province, a close associate of President Karzai, was killed in a suicide bombing on September 10.

Attacks on schools have also been stepped up. According to the Afghan education ministry, there have been 158 attacks on schools this year, compared to 146 last year. The attacks on schools are believed to be due partly to the Taliban’s opposition to educating girls, as well as a way to undermine the Afghan government and it’s reconstruction efforts.

Twelve suspected militants and two Afghan police officers were reported killed on Monday in separate incidents which also left eight others and a U.S. soldier wounded.

“People are scared, of course,” Ahmad-jan’s co-worker Haidar said, “How can we feel secure when the head of our department is killed in front of her house?”

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Online Business Systems Ethics Has Trustworthiness Come To Be A Benefit Of The Earlier Times?

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Submitted by: Walter Philpott II

A huge number of everyday people research the search engines frequently expecting to get hold of a online business system they can apply of which is designed to absolutely build positive cash-flow for them. During the actual same moment in time they could be on top of that wanting to know as well. Is there sincerely any type of honesty in On the internet promotion or is it a thing of the good old days?

Seeing as the financial climate is in a tragic status not necessarily just in the United states but world-wide people presently are shifting to the Web to find out if they can obtain answers to their financial lack of stability.

While making the effort to pick the online business system that will flip their lifestyles around for the best, more and more disturbed in their analysis will use up hard obtained dough for one of the numerous get rich quick tactics which happen to be so readily situated on the Web nowadays to only recognize that they have been took for every last red cent they have invested.

This not only can cause the great loss of hard earned money but simultaneously the actual decline of the expectations and objective of economic stableness and achieving success. Has this occurred to you? Have you ever desired to know yourself about the honesty or sincerity of those men and women featuring Internet promotion programs services or systems for you to develop capital over the internet? If so then this valuable brief article will I hope provide you with you a small bit of tips and advice about this concern.

What will happen to a tremendous amount of anyone who will ascertain they could have been taken from one of the various get rich quick schemes is that they could very well just soak it up as a first-rate lesson observed. Then there are those people which often will likely get pay back in a number of approaches, styles, or forms.

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They may well forfeit any trust for Internet marketing, they could on no account consider any kind of online business system again, or they may likely perhaps find a way to give the advertiser with who they completed their transaction a detrimental title or standing through the process of showing the details of their particular less than ideal working experience to some others using the net.

The best way to put a stop to this a harmful experience from taking place , to you again and again is to be acquainted with enough with regards to Internet promotion to actually discern that which is apt to deliver the results and what’s absolutely not. That can demand persistence to be able to have an understanding of and possibly even at that point it certainly is quite possible to make a slip-up and buy an item that isn’t going to do the job as presented. As a result where does that leave folks presently?

Transforming Online Business System Reliability

Here comes the recommendations. The first thing is the useful element to take into account is that we might undoubtedly be readily able to change what the other human being will do that really may have her or his mind made-up. We just have total control over what you may do and the way we each can do it. With that in mind we must always each take the personal culpability to work whichever online business system in which we are choosing in a professional and trusted approach.

To be legitimate and respectable from the internet has all sorts of things with regards to just about every individual Web marketer. Not only is it really crucial in performing your personal business enterprise it additionally builds integrity with what ever business system, product or service that we provide for individuals.

There exists a moment back when you actually could basically put your confidence in the large majority of Online marketers to enjoy the things you paid for over the internet for their products and services publicized to help you to generate an income on the word wide web. If you have been with us a bit of time you may think about those times. A large number of On-line marketers were definitely very honest, incredibly helpful and went out of their way to over deliver on the course or service that they made available to their shoppers. They figured out that it was merely one key element to ongoing internet marketing business prosperity.

Every single one of us in the Internet promotion market might take the effort to improve the rising direction of internet marketing dis-honesty. We each own the capability to check to make sure that any of us head our online business systems in a praiseworthy way in which shall generate online Internet endeavor progress and a new found rapport in these very hard economic circumstances.

I do not want anyone reading this written content to pick up the improper idea. I truly do sense that right now there are numerous completely honest, ethical and respected business owners online. For everyone of you who are at present taking on the responsibilities to control your online business venture in the most suitable lawful direction you’re the one to be praised and I salute you.

I want to admit that transferring the correct moral methods, techniques, and systems on to those having their first go our industry will as a result greatly assist in having a great deal more unshakable, flourishing, and financially sturdy arena for us all. Make use of the opportunity to condition your affiliates the right course of action to remain true over the internet. Newer internet marketers attempting to get solutions could likewise experience some benefits by way of being taught the top ethics and integrity from you with JV (joint ventures).

There are times making efforts to point out to the newer internet marketers the ethical manner to work a hosted business might not show results at the beginning. The beginner will want to do things his or her own way. In any case at minimum they will likely be conscious of the significant difference. They’re going to learn eventually after they lower prospects, reputable name, and shopper trust that whenever they certainly are looking for great results via the internet in the future it would be most beneficial for them to abide by your beneficial model.

Applying and managing a online business system in a professional and straightforward way is going to be basis of good customer confidence. Operating your enterprise ethically certainly not really profits the patron through making them all fulfilled and gratified with the product or service you provide it likewise benefits you in the future with purchasers who’s going to always undertake internet business using you, believe in your point of view, and assemble a very good, advantageous track record for your home business. The final point here is it can bring about even more profits just for you also, the online marketing market as well.

So if you agree that ideal ethics and trustworthiness can be something of earlier times by online marketers working with online business systems then keep in mind just what you’re capable of doing to take it to come back into the foreseeable future.

About the Author: To get to find out more about online business systems, how they work and ways to select the right ones to suit your special online business one can acquire lots of the helpful tips you may want at :

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Man arrested in connection with Honolulu toddler death

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Saturday, January 19, 2008

Matthew Higa, 23, has been arrested in connection with the death of a 23-month-old boy. Higa is alleged to have thrown the child from a pedestrian overpass into oncoming traffic on Honolulu’s H-1 Freeway.

The local coroner’s office noted that the child died on impact after falling 30 feet (9 meters) from the overpass. This occurred during Thursday’s lunch rush hour in the heart of downtown. Upon impact, several cars struck the child, which caused traffic to grind to a halt.

The toddler, Cyrus Nainoa Tupa?i Belt, was pronounced dead at the scene at 12:07 p.m. (2207 UTC), approximately 27 minutes after being allegedly being ejected from the overpass by Higa. The portion of H-1 was closed for approximately five hours with traffic diverted to side streets. The freeway was reopened in time for the evening commute.

At first the relationship between Higa and the child was unclear, but later reports stated that Higa lived adjacent to him and had babysat him on previous occasions. The boy’s mother was out of town at the time of his death, but it was revealed that the child was supposed to be in the custody of his father and not with Higa.

Higa graduated from Roosevelt High School in 2003. In the summer of 2004 Higa was involved in an incident where police reports indicate a three-car race resulted in the death of a friend. Higa has since had a criminal history, with more than a dozen arrests but no convictions, and reports from neighbors of erratic behavior.

Queen’s Medical Center, which houses a psychiatric ward in Honolulu, noted that he was a patient there as recently as December 11, 2007. When arrested, Higa was wearing hospital scrubs, which were not immediately conducive to whether Higa was a patient in Queen’s psychiatric wing in the last couple of days. A representative of Queen’s declined to comment on whether Higa was admitted in the last week.

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Abreu smashes records, wins Home Run Derby

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Tuesday, July 12, 2005Bobby Abreu, welcome to the spotlight.

The Philadelphia Phillies star, now 31 and a two-time All-Star, has produced well for the Phillies over the last half a decade without the glamour of other top players. However, last night there was no denying that he was the star of the show.

And what a show it was. The first batter in the 2005 Home Run Derby, Abreu proceeded to shatter the previous record of 15 home runs in a round, belting 24, including a 517-foot moonshot that exited the stadium in right field, going through two bats in the process. This rampage came immediately after ESPN announcers Chris Berman and Joe Morgan described Comerica Park, the site of the Derby, as a difficult park to hit home runs in.

In the second round, Abreu edged past Boston’s David Ortiz (who himself hit an astounding 17 homeruns in the first round) and Milwaukee’s Carlos Lee to earn a spot in the finals alongside Detroit star Ivan Rodriguez. Rodriguez, who snuck into the second round with 7 dingers, swatted the most in the second round, but his home-field advantage deserted him in the finals as Abreu smashed 11 over the fences to win the Derby for his native Venezuela.

Abreu’s three-round total of 41 homers broke Miguel Tejada‘s record of 27, set last year in Houston’s Minute Maid Park.

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China overtakes Germany as world’s biggest exporter

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Sunday, January 10, 2010

Chinese officials have said that their country’s exports surged last December to edge out Germany as the world’s biggest exporter.

The official Xinhua news agency reported today that figures from the General Administration for Customs showed that exports jumped 17.7% in December from a year earlier. Over the whole of 2009 total Chinese exports reached US$1.2 trillion, above Germany’s forecast $1.17 trillion.

Huang Guohua, a statistics official with the customs administration, said the December exports rebound was an important turning point for China’s export sector. He commented that the jump was an indication that exporters have emerged from their downslide.

“We can say that China’s export enterprises have completely emerged from their all-time low in exports,” he said.

However, although China overtook Germany in exports, China’s total foreign trade — both exports and imports — fell 13.9% last year.

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Need For Multi Channel Customer Interactions

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Submitted by: Gnome Business Solutions

Modern life has impacted forcefully how the consumers interact with customers or suppliers of products and services. Factors such as time savings prevent movement, using voice and data technologies and other factors have forced companies to be very creative when you can interact with their customers.

Several decades ago the channel of interaction between the supplier and the customer is limited to personal communication and face. With the development of new technologies, it has been set in motion new mechanisms to maintain communication and close relationship with customers. For example, the development of speech technology, it began to use the phone as a valid channel to serve the customer and this in turn could take the initiative to contact their suppliers without having to go to site provider.

This generates the development in customer service by multiple techniques such as telemarketing, telesales, the lines of free care, call centers (call centers) and lately the Contact Center (Contact Center).

Began to rise to new mechanisms, based on the development of technology such as email, Internet, chat, and many more, they have definitely changed the way we interact with customers and suppliers, both in the work setting as in B2C the B2B.

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So, today we talk about interaction channels, which is not only these mechanisms of contact between customers and suppliers that keep a permanent and fluid communication. Mechanisms that allow the customer have more choices when trying to contact a supplier or a company can combine the different channels to provide better service to its customers. From the point of view of competitiveness, the use of multiple channels of interaction between supplier and customer is a decisive factor in gaining market share.

Those companies that do not have the right mix of channels of interaction, their competitors will begin to gain market share, because the client feels better served with a Multi-channel strategy.

Let’s see what have been the main drivers of the importance of interaction in multi-channel customer relationships.

Given the above framework, we can define the Multi-channel Customer Interactions and strategy definition, implementation and coordination of the mechanisms used to maintain a comprehensive commercial communication between supplier and customer, who can fulfill customer expectations in right time and the experience that is consistently satisfying customer gets, no matter how, when and with whom the company contacts the customer.

Multi-channel interactions are to solve various situations that arise in the commercial communication between supplier and customer.

1. Organize communication systems through the implementation of mechanisms to develop more effective interactions for both the customer and the supplier.

2. Record the events in each of these interactions, with the primary objective of maintaining a consistent and comprehensive communication between supplier and customer. It is necessary to prevent the breakdown of communication and this can be achieved if there is a log of communications, which can be found in each of the interactions and enriched by the events of each interaction.

3. Maintain consistency in the quality of communication between supplier and customer, regardless of the change of actors and the situation which generated the event of communication or interaction.

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Bush deploys military in the US for active duty as federal response force

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Sunday, October 12, 2008

United States President George W. Bush deployed the 3rd Infantry Division’s 1st Brigade Combat Team to a new role on United States soil last Wednesday, training for dealing with national crises. Critics claim that act of the Executive Branch violates the Posse Comitatus Act, which prohibits military participation in domestic matters.

In 2007, the John Warner National Defense Authorization Act was introduced; it overturned the Posse Comitatus Act by allowing the Commander in Chief to suppress ‘insurrection’ and ‘restore order’. When it was repealed in 2008, Bush stated that he did not respect the later repeal.

The combat team, renamed CCMRF (C-hemical, biological, radiological, nuclear and high-yield explosive C-onsequence M-anagement R-esponse F-orces), has been assigned for year-long duty and training at Fort Stewart to prepare them for “civil unrest and crowd control or to deal with potentially horrific scenarios” such as security or natural disasters. After a year, a new unit will take its place.

CCMRF will be under the control of the Northern Command (NORTHCOM), and now has the same legal authority as a unit deployed to Iraq under the direct control of the Executive Branch. The unit will have use of engineer and medical units, the Marine Corps Chemical, Biological Initial Reaction Force, and a Navy weather team, as well as members of the Defense Logistics Agency and the Defense Threat Reduction Agency. A spokeswoman for NORTHCOM added that both wheeled and tank vehicles would be available for the CCMRF.

In July the unit was assigned a new commander, Col. Roger Cloutier. “If we go in,” he said proudly of the deployment, “we’re going in to help American citizens on American soil”. CCMRF will be training in both traffic and riot control equipment, and will be the first to use the Army’s new nonlethal package, which is intended for war-zone and not domestic use.

NORTHCOM’s September 30th statement includes a quote attributed to “future operations division chief” Colonel Michael Boatner saying, “This response force will not be called upon to help with law enforcement, civil disturbance or crowd control, but will be used to support lead agencies involved in saving lives, relieving suffering and meeting the needs of communities affected by weapons of mass destruction attacks, accidents or even natural disasters.”

The action has raised concerns for some citizens like journalist Naomi Wolf, an author critical of the Bush administration, who referred to the deployment as a ‘coup’ in a well-circulated viral video and issued Americans a call to action.

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NORTHCOM is a joint command established post-9/11 to provide command and control for federal homeland defense efforts and coordinate defense support of civil authorities. When Hurricane Katrina damaged Mississippi and Louisiana, several active-duty units were pulled from various posts and mobilized to those areas, but were not assigned to NORTHCOM, but instead individual commands under provisional authorities.

Military officials have not yet responded to a request for comment.

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