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Buying your first home is an exciting time in your life. With careful planning the transition from renter to home owner can be very smooth and easy. There are three important things that every first time buyer should remember as they look for their dream home.

Hold off on big purchases.

You have your credit report in front of you and you are excited to learn that your credit score is higher than you thought. Just because you have the credit, does not mean you should use it. Sure a new minivan would look great on the driveway of your new house, but buying it now, before you finalize your new home loan, could jeopardize things. The bank is going to look at the debts you have when deciding just what kind of a loan you can be expected to repay. If your credit report suddenly shows up with a lot of high balances, the lender may think twice about giving you the loan or may decide since you are somewhat of a risk you need to have a higher rate of interest.

Get a home inspection.

Hiring someone to come in and inspect the home from top to bottom is a very smart move on a buyer’s part. The professional has no emotions attached to the home and can give you an honest assessment of its problems. He is also trained to find things that you might not see or the seller might not know about such as termites, mold, wiring problems, and foundation issues. You will have to pay for the inspection but the typical fee of $100-$400 could save you thousands of dollars in the long run. In the short term, it could even save you money if a problem found by the inspector justifies offering the seller a lower price for the house.

Don’t give good faith money directly to the seller.

Try using one of ABC Loan Guide’s
Recommended Mortgage Companies Online. Their recommended companies are reputable and competitive in their rates.

If you are asked to give earnest money it needs to go into a trust account and not directly to the seller. The seller isn’t allowed to touch the money until everything closes, but if you give the money directly to the seller and the deal falls through, you will have a hard time getting that money back if the seller has already spent it.

View our recommended lenders for Mortgages For People With Bad Credit. Also, view our recommended sources to Check Your Credit For Free.

In our society of fast food and long hours spent at jobs, it is not difficult to add weight at all.

That is the easy part.

The hard part is how to shed those extra pounds.

With the right dieting and discipline, it can be done.

Here are a few smart dieting secrets to help you achieve an ideal weight.

Start your diet with a food diary, record everything you eat, what you were doing at the time and how you felt.

That helps you gain insight about yourself, your temptation, the emotional states that encourage you to snack.

Instead of eating the forbidden piece of candy, brush your teeth. If you’re about to cheat, allow yourself a treat, then eat only half a bite and throw the other half away.

When hunger hits, wait 10 minutes before eating and see if it passes. Set attainable goals. Don’t say, “I want to lose 50 pounds.” Say, “I want to lose 5 pounds a month.”

Get enough sleep but not too much. Try to avoid sugar. Highly sweetened foods tend to make you crave more.

Drink six to eight glasses of water a day. Water itself helps cut down on water retention because it acts as a diuretic.

Taken before meals, it dulls the appetite by giving you that “full feeling.”

Diet with a friend. There is strength in numbers.

Support groups are important, and caring people can help one another succeed. Start your own, even with just one other person.

Substitute activity for eating. When the cravings hit, go to the “Y” or health club if possible; or dust, or walk around the block.

This is especially helpful if you eat out of anger.

If the pie on the counter is just too great a temptation and you don’t want to throw it away, freeze it.

If you’re a late-night eater, have a carbohydrate, such as a slice of bread of a cracker, before bedtime to cut down on cravings.

Keep an orange slice or a glass of water by your bed to quiet the hunger pangs that wake you up.

If you use food as a reward, establish a new reward system. Buy yourself a non-edible reward.

Write down everything you eat - - everything - including what you taste when you cook. If you monitor what you eat, you can’t go off your diet.

Weigh yourself once a week at the same time. Your weight fluctuates constantly and you can weigh more at night than you did in the morning, a downer if you stuck to your diet all day.

Make dining an event. Eat from your own special plate, on your own special placemat. Borrow the Japanese art of food arranging to make your meal, no matter how meager, look lovely. Make eating some kind of a ceremony.

This will lessen the habit of automated eating.

This is a trick that helps chronic over-eaters and bingers pay attention to their food instead of consuming it unconsciously.

Don’t shop when you’re hungry. You’ll only buy more fattening food. Avoid finger foods that are easy to eat in large amounts.

Avoid consuming large quantities of fattening liquids, which are so easy to overdo. And this includes alcoholic beverages.

Keep plenty of crunchy foods like raw vegetables and air-popped fat-free popcorn on hand. They’re high in fiber, satisfying and filling.

Leave something on your plate, even if you are a charter member of the Clean The Plate Club.

It’s a good sign that you can stop eating when you want to, not just when your plate is empty.

Lose weight for yourself, not to please your husband, your parents or your friends.

Make the kitchen off-limits at any time other than mealtime. Always eat at the table, never in front of the TV set or with the radio on.

Concentrate on eating every mouthful slowly and savoring each morsel. Chew everything from 10 to 20 times and count!

Never skip meals (unless you’re not hungry)

May these dieting tips help you to achieve your ideal weight and maintain good health and happiness.

Warmly,

I-key Benney, CEO

I-key, a Millionaire CEO from New York City is the creator of “Mscsrrr: Millionaire Secret Cash System”, (online forex trading), program which has helped thousands of ordinary people from all over the world to attain financial security and shining success during the past 2 yrs.

Mscsrrr Millionaire Secret Cash System helps you to generate $1,500+/Week for life, from home or office, part time or full time. No large investment or hassles. Win $1000-$2000 free “cash”…

Copyright 2006 Timothy Rohrer

I am Tim Rohrer, and I have tried just about every income opportunity and home based business you could possibly think of in the past year. 99% of the time I was scammed, burnt and left behind when it came to finding a program that would deliver real results. Most people starting a home based business hop into an opportunity with broken promises of making a fortune overnight. Well I am here to tell you the hard facts and hopefully give you a bit of insight. Truth is, you can make the millions, but you need a step-by-step process to make it happen and a proven one at that.

Back in the summer of 2005 I sold my guitar for $100 profit and decided to invest that $100 into an e-book that opened up my world to a new realm of possibilities. I took this knowledge have since been able to earn a modest $5,000 per month. How can anyone start with $100 and build such a business one might ask?

I learned the hard way; it took a lot of wasted advertising dollars, phone calls and independent research. What I did learn is that it’s important to network with other successful home business owners. Having a mentor that will show you his or her proven success is essential when building your internet business. People love the idea of a team and that’s what provides insight, guidance and feedback. If you are able to find a team of people to work with and grow your business, half of the battle is already won.

Do not re-create the wheel. If Donald Trump said to you, “I did x, y and z to make 1 billion dollars”, I am sure you would follow those steps. When shown a system that works, go with it and do exactly what it tells you to do. Most people will tend to jump into an opportunity and don’t do a single thing with it. Being persistent and setting personal goals will help grow your business. Find a mentor or someone that is willing to show you their success and duplicate it. Simply put, do what they do.

The number one home business mistake is when people try to recruit their friend’s family and relatives into their opportunity. If you have chosen a team of successful networkers and marketers, they will provide you with a step-by-step process on how to put people into your business. Friends and family aren’t necessarily expert marketers and entrepreneurs.

The honest truth here is to advertise your business. If the local Pet Shop down the road didn’t run specials and advertise in the local newspaper, they would draw very minimal business. Putting an ad out in the paper helps draw people that are looking for your opportunity, rather than you trying to find them.

Find out where entrepreneurs and business builders like to hang out on the internet. If you wanted to see a professional football game, you’d have to go to the football field. The same idea works on the internet. Find forums that business minded people tend to hang out on and discuss home based business opportunities. A few good ones are talkgold and money group forums and whydowork at home. Follow a few of these simple steps, and I guarantee you will see success.

Tim Rohrer is an established business owner. To learn more about a step-by-step process to creating $500 per day and more, visit www.1step-profits.com

No doubt you’ve collected memorable quotes from your job or business. Here are some of the amazing things people have said to me since I started my business in 1992. And, yes, all of the quotes are true.

“Paying these royalties is a real hassle.”

> Comment: You can’t judge a book publisher by the cover.

“I know that you’re a much better speaker, and that your content is better, your materials are better, and even your fee is lower, but I decided to use a seminar company from out of state because my boss will approve it without asking any questions.”

> Comment: That explains why sometimes you find yourself in a really terrible seminar.

“I save all the invoices in a drawer and every four months or so I go through the stack and approve them.”

> Comment: I bet she would go ballistic if her paycheck were ten minutes late.

“Okay, in your case we’ll make an exception and pay you on time.”

> Comment: Here’s another person who fails to understand how business works.

“Instead of hiring a speaker we decided to spend our money on an ice sculpture.”

> Comment: I suppose it’s more important to watch ice melt than learn something.

“I want you to send me a proposal with complete descriptions of all of your workshops, a resume, your client list for the past five years, a dozen testimonial letters, and a fee schedule. I’ve got 21 proposals so far and I want to collect 25.”

> Comment: If I were this man’s boss, I’d fire him for being a public nuisance. (And I did not submit a proposal.)

“If she had wanted to act on your proposal, she would have returned your calls. Duh!”

> Comment: Every vendor is also a customer, and in this case I responded to their rudeness by transferring my phone service to another company. Cost to them: over $1,200 per year.

“What do you charge to speak for 54 minutes?”

> Comment: The same that I charge for 55 minutes. And 53 minutes.

“Now that we have your workbook, we’ll use one of our staff to conduct the workshop.”

> Comment: Let me know when you start so I can call my attorney.

“You asked too many questions. You’re not supposed to figure out that this is illegal.”

> Comment: We never ask too many questions. (And I only work with ethical companies.)

- - -

Steve Kaye helps leaders hold effective meetings. He is an IAF Certified Professional Facilitator, author, and speaker. His meeting facilitation and leadership workshops create success for everyone. Call 714-528-1300 for details. Visit www.stevekaye.com for a free report.

Oh, my the dreaded Holiday Season has come and gone and all you have to show forth is extra pounds. Sure the parties were fun, the family gatherings were unforgettable and gift giving made you feel great. There is only one left over problem to take care of. Too much eating led you to weigh too much. Here are some fast weight loss tips and some of the best supplements to help you burn the fat.

Fast weight loss tips begin with your eating habits. Many foods eaten over the holidays contained large amounts of fat and sugar. Two deadly sins to your body. It’s time to cut them both out, or atleast cut way back. It was so nice for others to make all that food and set it out so you could feast, but the holidays are over and you need to get back in those pants again. Fat and sugars are stored in your body until burned away and let’s face it, who’s been exercising. Cut back on the amount of fat and sugar products and you’ll almost instantly lose weight.

Another fast weight loss tip is to lower your carbohydrate intake. We all have heard of the low-carb diet, but it is quickly losing the interest of Amercians because we get bored fast. Lowering carbs does work though! By doing so you will cause your body to burn more fat for energy by reducing what you have stored up over the passed few weeks. Lowering carbs, cutting back on fats and elimnating too much sugar will dramatically lower your weight fast. You will have turned your body into a fat burning furnace and the pounds will come off.

Now let’s get to some of the best weight loss supplements used to increase the amount of weight lost and speed up the process. Some of the hottest supplements are ephedra free thermogenics like Stacker, or Hydroxycut. The new ephedra free formula is free from harmful side effects and will tell your body to turn up the fat burning temperature gauge to shed pounds quick. Other great supplements are CLA, Pyruvate and weight loss shakes. That’s right a shake. Try taking in a weight loss shake instead of apple pie and you’ll feel full and won’t crave sweets.

The most important ingredient in any diet program is water. Water is the most abundant product in your body and it is needed for every function of the body. Taking in 8-10 eight ounce glasses of water will do wonders. It gets rid of waste, makes sure all your organs operate at peak performance and will help keep you from getting a lot of illnesses. Just by adding more water to your diet.

Here’s the last and the worst weight loss tip-Exercise. Yes, it’s true. You must get some exercise, but it doesn’t have to be hours a day all week long. Just get up and do something to get your heart and blood pumping atleast for a little while. 30 minutes a day at 4 days a week is recommended. Whether it’s walking, jogging, or just playing around with the kids-Get Up and Get Moving!

There are many other fast weight loss tips and supplements, however, these few ideas will take off the extra pounds in a very short amount of time. To measure progress only get on the scale once a week because your weight can change daily. You can expect to see result within a week.

Some fast weight loss tips and supplements recap:
Lower your fat intake
Keep sugars to a minimum
Take ephedra free supplements, CLA, Pyruvate, or weight loss shakes
Up your water intake
Most importantly-Get Moving!

Staying healthy isn’t easy. It takes work, dedication and the right information. OCD Supplements is dedicated to helping you reach your fitness goals with supplements and diet programs. You can do it!

Everyone loves a home with a view and that includes adherents to feng shui. The expansiveness of the view can relieve a lot of modern stress that most of us collect year after year.

Energy, which the is called “chi” or “qi” in Chinese metaphysics, can be carried along roads and streets. When the street is straight it does not do much to improve the inherent energy. But when a street winds and curves, as is always the case in hilly areas, then the chi or air currents get more powerful and positive. There is no coincidence that more affluent people usually live in the hills and not in the flat lands.

But there are also downwfalls and disadvantages to being in a hilly area and some of it is common sense, following along the rules of nature. One example is a house which sits in a hilly area but near the bottom of some section, in a canyon. Homes below street level miss out on some of the good energy that winds up the hill via the street. These homes are more prone to flooding as well.

Similarly, the house which sits at the very top of the mountain, with no hill behind it for support or any trees, this is a very vulnerable home. The wind can whip around it too forcefully, often making the occupant desparate and unhappy.

It goes without saying, but I’ll say it anyway, a home should only be built on a nice spacious pad of land in the hills (not teetering off a cliff) and most definitely on solid ground. It is always a sad sight to see a beautiful home slide right down a hill because it was not built on bedrock or when provisions were not made for proper water drain off.

In feng shui philosohphy, the mountain represents people and their hearts. Generally, people who live in the hills can be kind people, as compared to people close to water. Proximity to water brings wealth, but also a cunning personality. Living close to both water and mountains (i.e. Malibu) has its pros and cons.

Kartar Diamond is a busy feng shui consultant! She routinely sees several hundred new clients per year and updates life long clients when the energies of their home shift each year. Diamond travels all over southern California to see clients and also travels out of state when the client brings her out to their area. Find out about all the services Kartar provides by going to her website at http://www.FengShuiSolutions.net

Can you imagine taking on a debt that will take you 50 years to pay off? That’s half a lifetime.

Yet, a few banks and mortgage companies are offering 40 to 50-year loan products for the purchase of a home.

The attraction is that you can buy more ome for a lower monthly payment. The disadvantage is that with the added years comes hundreds of thousands in interest payments.

“A big part of selecting a 50-year mortgage is the payment size,” said Larisa Meyer, a new home buyer. “I also know that in a few years, I will have some equity. It won’t be a ton, but there will be some.”

Most experts are warning consumers that longer-term mortgages do not come with the fixed-interest rates like 30-year mortgages.

For example, a 50-year mortgage may have a fixed interest rate of 6.5% for the first five years, after which the rate adjusts annually. Many will also require a “balloon payment” after the first 30-years, which makes it really a 30-year mortgage with the payments of a 50-year.

Lenders say that most mortgage holders will refinance or sell long before the 30-year balloon payment. Many will before the interest hits the adjustment period. Most Americans only own their homes for seven years.

“I haven’t talked to a client yet who intends to hold a mortgage for 50 years,” Pirius said. “But that low payment helps people qualify. It gets them into that home and getting the tax benefits of ownership.”

The payment on a $250,000 mortgage at 6.5% interest for 30-years is around $1,580 a month. A 50-year at the same rate has a payment of approximately $1,410. That’s a savings of $170 a month.

One of the major drawbacks of long-term mortgages is, according to Keith T. Gumbinger of HSH Associates, the slow building of equity. He said that when compared to interest-only loans, there’s very little difference.

Gumbinger calculated that on a $275,000 mortgage for 30 years at 6.75%, a consumer would pay $367,112 in interest over the life of the mortgage. The same mortgage at 7% and a 40-year term would result in $535,290 of interest. At 7.25% for 50 years, the interest totals $749,476. There is less than $100 difference in the monthly payment amounts between the three mortgages.

“You really can’t think of these as long-term financing vehicles because the interest cost is overwhelming,” explained Gumbinger.

Experts agree that many lenders are simply looking for a way to stand out in a stagnanting market place. With interest rates on the rise and the housing market cooling off, many lenders are looking for a way to compete.

Martin Lukac (http://www.MartinLukac.com), represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

Of all the necessary skills that the best home based affiliate tends to have, there is one particular one that is the most valuable by far.

We all know just how difficult online marketing and building traffic to our sites can be. Yet it is extremely important because without traffic, the chances of success are next to nil. So the most valuable skill that any best home based affiliate can have is that of being able to comfortably market and promote their site. If they have no other skill but this one, they will still be able to enjoy huge success. That is how important this best home based affiliate skill is.

We will go a little beyond that and suggest that the best marketing skills for a home based affiliate to possess is those that do not require any cash outlay. In other words free online marketing methods. Actually the most effective online marketing method is free. It is articles marketing or the use of promotional articles to market.

Any best home based affiliate who happens to possess such skills, has no limit to the level of success that they can enjoy online. And yet there should be no excuse why any home based affiliate aspiring to join the ranks of the best should not be able to acquire this valuable skills. There is plenty of free information online and for those who really want to become world experts quickly, there are plenty of good online courses available to the home based affiliate determined enough to want to be the best.

Learn more about the best home business opportunity from a blogger who rakes in thousands of dollars… and growing from their home business. Also get the bloggers’ amazing free report How I used only free articles marketing to get thousands of hits daily at my site.

Anchors are the reasons that attach you to any behavior. Your anchors originated from extremely strong repetitive memory associations, which are triggered by your five senses of hearing, vision, smell, taste, and touch. You are constantly being anchored in different ways through out your life. For example, when you hear a certain song and it brings back a memory of a certain person, or a place in time, this is an audio anchor or an anchor triggered by your sense of hearing.

Have you ever met someone for the first time and noticed that something about them reminds you of someone or something else? This is a visual anchor or an anchor triggered by your sense of sight. Until now all of your anchors have been installed in your subconscious mind by someone else or by accident and in most cases you were not even aware of them. Now for the first time through the process of Burris MIND/FITNESS, you can learn how to anchor a reaction or behavior you want on purpose and consistently get the results you want over and over, until you are assured of attaining your weight goal.

It is important to understand that your subconscious mind can be triggered into a negative anchored behavior without even pausing to consider what it is doing. It is this type of behavior that is responsible for your worst eating habits. I refer to this type of behavior as “No Thought Eating.” At the time of “No Thought Eating” your subconscious mind has given no consideration to what it is doing and your conscious mind is not even aware that anything is taking place.

A good example of this is when you are feeling fearful, guilty angry, or bored. You immediately look for something to eat, even if you are not hungry. In most cases you will look for what you refer to as your comfort foods, which is anything that is high in sugar, fat or both. Let us say you come across a bag of cookies, without any hesitation you eat one and before you realize it, you are eating the whole bag. Sometime during this “No Thought Eating” binge your conscious mind awakens to what is taking place. You stop your eating binge and now along with feeling fearful, guilty, angry, or bored; you are also probably a little nauseous. The first thought that pops into your mind is: “Why Did I Eat That? I wasn’t even hungry!” How many times have you asked yourself this self-defeating negative question “Why Did I Eat That?”

The second you asked yourself this question, your subconscious mind is triggered into action to find an answer, which in turn produces a correlating picture. Surprise, surprise what did it find in your subconscious eating behavior program? It found you ate the cookies because you were feeling fearful, guilty, angry, or bored. Of course it did because that is exactly how you were programmed as a child to react to fear, guilt, anger, or boredom. Once again your subconscious mind will take this answer and the correlating picture of you being overweight and use it to anchor you even deeper to your childhood program.

Here is where the fun starts, what you have to do in order to change your existing negative anchored behaviors of “No Thought Eating?” You simply restructure your question from its negative form of “Why did I eat that?” to a positive form question of “How can I stop this no thought eating when I am feeling fearful, guilty, angry, or bored?” Your subconscious mind will now produce a positive answer to your new positive question such as: When you are feeling fearful, guilty, angry or bored, find an activity you enjoy in place of eating. Once again these new answers will produce empowering correlating pictures that will move you toward your weight goal. It is truly that simple, positive empowering questions = positive empowering results.
From this time on, it is essential that you are always conscious of your inner voice, thereby insuring that all of your self-questions are positive ones and insuring that you always maintain a positive emotional state.

Regardless of weather your goal is a change in diet for weight loss, an increase in your fitness program or to take control of an eating disorder such as anorexia or bulimia. In the end the question you need to ask yourself is…Am I completely happy with the mind running itself or do I need to take control of it? If your answer is I need to take control of it, then Burris MIND/FITNESS is the answer.

The health of your body is dependent on your mental health and taking control of the subconscious is the key to lasting permanent change of any behavior.

For more information on the best weight loss program, becoming a Life Coach or the ultimate Self Help Book go to KellyBurris.com.

This basic management principle will go a long way toward helping managers raise the productivity of their organizations. Yet, in their haste to get the job done, many managers forget this principle and focus more on punishment than reward.

Back in my corporate life, my company hired a management trainer to come into our organization to help us fine-tune our management skills. I’ll never forget one of the techniques he used to teach us this principle.

First, he sent one of the seminar attendees out of the room. Then he asked one of us to hide a playing card. If I remember correctly, the card was hidden inside one of the books on the shelf in the meeting room. The attendee was then called back into the room and asked to find the playing card.

Of course, he had no idea where to look, so one of us was given a small bell to ring when his movements took him in the direction of where the card was hidden. If he turned the wrong way, the bell was silent.

It was amazing. In just a couple of minutes he was standing in front of the bookshelf. In another minute, he had the correct book in his hands and flipped through it until he found the playing card. Grand total: Maybe three minutes.

Then the seminar leader tried the opposite approach. He sent another attendee out of the room and another playing card was hidden. Only this time when the attendee returned to the room, he received a stinging slap on the upper arm with a rolled up newspaper each time he made the wrong move; that is, when he moved in the wrong direction.

Instead of continuing to use a trial and error approach like the first attendee used to successfully find the playing card, this attendee froze to avoid both the discomfort of the newspaper and the humiliation he felt in front of his peers. He simply stood still. He quit trying.

Lesson learned: Employees learn faster and more comfortably when managers use rewards versus punishment to achieve desired behavior. The sound of the bell ringing rewarded positive behavior and the sting of the newspaper punished negative behavior.

Another example is when an employee violates a company rule. It’s important to take immediate action. If other employees observe that you have allowed one of their fellow employees to violate the rule — and you take no corrective action — that is the same as rewarding negative behavior. You are sending the message that being a few minutes late is okay. Every organization must have minimum conditions of employment and enforce those minimums.

I worked with a manager on a consulting assignment recently who complained to me that he had been unable to get one of his employees to meet deadlines. Yet he had taken no action. In fact, he had never even sat the employee down and dealt with the unacceptable behavior. When I interviewed the woman, she had told me that her relationship with her manager was excellent. As it turned out, she has actually received a raise just a few months earlier and her review was totally positive.

If managers want different results, they must reward the behaviors they wish to see more of. Most employees want to please their supervisor. Most employees want to do good work. Managers generally get the behavior that they reward.

Bill Lee works with managers who want to put more money on the bottom line and salespeople who want to improves sales and gross margin. Bill is the author of Gross Margin: 26 Factors Affecting Your Bottom Line. $29.95 plus $6 S&H. Bill is also author of 30 Ways Managers Shoot Themselves in the Foot. $21.95 plus $6 S&H. http://www.BillLeeOnLine.com Or call 800-808-0534 to order via voice mail. All credit cards accepted.