Saturday, August 27, 2011

How To Supercharge Your Real Estate Investing. Borrowing From Your ...

Many Americans have taken to borrowing from their 401K plans and other retirement plan accounts to survive in this current economic climate. According to Fidelity (a top provider of workplace retirement plans) approximately 15% of 401K participants took loans from their accounts and 22% of those participants have loans outstanding carrying an average balance of 8,650.00.

Now, borrowing from your 401K (Retirement Plan) may seem like a sound idea (many have no choice) and it can be. Unfortunately, what most fail to understand is how to deploy those funds correctly. Several years ago after repeated blows to the head (figuratively), I finally understood what my business coach had tried so desperately to engrain into my ?old school? noggin: Live on a little less and re-invest the rest; maximize your money by increasing the velocity at which it grows. LIGHT BULB!

Let?s go forward with this blog post. Even with a traditional 401K (as opposed to a Roth or Self-Directed which I learned about soon after) it?s possible to generate a favorable return, despite the fees, penalties, and taxes. Real Estate was the key for me. By now the world knows (consider the throngs of foreign investors ?buying up? the U.S. For pennies on the dollar) there has never been a better time to capitalize on the U.S. Housing market. Using proven strategies that have stood the test of time, you don?t have to settle for simply surviving. Granted it?s imperative you surround or align yourself with those that have the knowledge, expertise and systems in place to guide you and mitigate the risk. Deployed properly, in most cases you?ll experience significant returns, dwarfing those of standard investment vehicles such as CDs and other Retirement Plans relying on the stock market for instance.

401K Fallout2.flv ? YouTube: ?The 401(k) Fallout.?Part two of two from sixty Minutes segment by Ira Rosen. Let us hear your comments!

Prior to borrowing from your 401K consider other sources of cash or ways to cut expenses. If you have a whole life insurance policy you can borrow up to the full cash value and you will not have to repay it. You can withdraw contributions from your Roth IRA tax free and penalty free under certain circumstances (check with your financial/tax advisor); or take that Roth and convert it to a self-directed version for ultimate check book control. In the event you must borrow from your 401K here are a few things to be aware of:

1) you?ll have to pay the loan back in five years, except for home purchases which are eligible for a longer period.

2) Most employers deduct loan repayments from your paycheck!

3) you?ll have to pay interest, usually prime plus one or two points. The interest you pay does go back into your account; however, it may not be ?free? though. If your fund is earning 8% as an example and you borrowed at 6% you lose points and the future compounding interest on the lost points.

4) Default will not hurt your credit score, but you?ll owe income taxes, plus 10% early withdrawal penalty (if you?re less than fifty-nine and a half years old and still working).

5) If you quit, or lose your job, you?ll have to pay it back typically within in sixty days. If not the money will be treated as a distribution, subject to federal and state taxes and 10% penalty if you?re less than fifty-five years of age.

Sam Ally invites you to learn how to earn exceptional returns on your investment dollars and secure your future by partnering with America?s #1 Real Estate Network. Join us for an upcoming Commercial Real Estate presentation online to get information or to get started now.

Go here to learn more about Borrowing From Your 401K and see additional Tips/Articles by Sam Ally.

Source: http://retirement-401k.com/how-to-supercharge-your-real-estate-investing-borrowing-from-your-401k/

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Friday, August 26, 2011

Microsoft Awarded Patents For Multi-Screen, Multi-Touch Gestures

msftbezelBack in February of 2010, Microsoft applied for a number of patents related to touchscreen gestures on a tablet. Many of them concern a dual-screen device, conjuring images of the once highly-anticipated Courier slate. The others focus mainly on bezel gestures. Nearly two years later, the patents have been awarded to Microsoft. And as we all know, Redmond loves to defend its intellectual property. With IP wars raging across the globe, it's certainly worth taking a look at the technology that Microsoft now lays claim to. So off we go...

Source: http://feedproxy.google.com/~r/Techcrunch/~3/f_jnRvk7IWo/

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StreamSend Names Top12 Email ?Don'ts?/Email Analyzer Tool Cleans ...

StreamSend Names Top12 Email ?Don?ts?/Email Analyzer Tool Cleans Emails Pre-Mailing and Boosts Deliverability










Sacramento, CA (PRWEB) July 26, 2010

StreamSend, a leading email marketing software provider, has used its Email Analyzer feature to name the top email ?spam? features that block businesses from boosting their legitimate email deliverability.

Marketers have learned that maintaining good lists and sending practices isn?t enough. Often, business e-mailers send their messages to willing recipients without realizing that their email format may mistakenly trigger spam alerts by internet service providers (ISPs), which may block all further communications from that sender.

StreamSend uses Email Analyzer to solve that problem for its clients, and has identified these top twelve spam warnings to keep your emails deliverable and your ISP mailing reputation in the clear:

1.????Concentrate on your message.

Use smart subject lines and consider the preview pane. And make sure that subject line represents your email?s content: readers don?t like to be tricked into opening an email message.

2.????Avoid ALL CAPITAL LETTERS.

Capital letters in the subject line and email content are thought of as the Internet equivalent of shouting. You would never shout at a prospect so do not shout at your email list subscribers.

3.????Skip all those exclamation marks!!

If something sounds too good to be true, the junk mail filters probably agree. Do not claim a ?once in a lifetime opportunity!? and other grandiose offers.

4.????Does it pass the read test?

A good litmus test for a subject line and for email copy writing in general is does it past the read test? If you read it out loud does it sound even vaguely how you would talk to the customer over coffee? Here are some key words to skip: Urgent, money back guarantee, and why pay more?

5.????Watch the ratio of text to image area.

Never send out an email that is one giant image. The filters will likely filter it, but even if it gets to the Inbox, the recipient will have no enticement to turn on images. A good balance is 60% text and 40% graphics. Remember that text which is part of an image doesn?t count.

6.????Quit the cash talk.

While discussing money is unavoidable, try to avoid excessive mentions of money in your emails as the spammers and scammers have made that hard to get through.

7.????No Neon.

We have all seen emails with red font, flashing objects, etc. Keep it simple to maximize your chances of getting into the Inbox.

8.????Keep your address consistent.

Ask list members to add that address to their address book or contact list. Never use a ?no-reply? or ?do-not-reply? in the ?From Address of non-transactional messages

9.????Include both text and html parts.

Some spam filters can count it against you if you do not have both an HTML version and plain text version of your message.

10.????Show Your I.D.

Many ISP?s will use SPF records (Sender Policy Framework) to verify that the mail is actually coming from who claims to be sending it. SPF records, included in the senders? DNS, have become a key tool in preventing ?from address? forgery.

11.????Keep it simple.

Keep your HTML code simple. Use a table based layout with inline styles, and always specify margins and spacing.

12.????Look out for guilt by association.

Including third-party links from other organizations can cause delivery problems if those links are associated with past spam messages.

?As more and more businesses turn to email as a highly successful, cost-efficient way to build customer relationships, they run the risk of having their legitimate emails perceived as spam, and both their ISP reputations and deliverability suffer,? said Dan Forootan, president of StreamSend Email Marketing. ?Email Analyzer lets those businesses specifically determine their messages? deliverability before sending by identifying characteristics like these and maximizing their email results.?

About StreamSend

StreamSend offers an easy-to-use, affordable and reliable email marketing software solution designed to help businesses make the most of their time and money when sending an email newsletter or other email campaigns. StreamSend offers a number of industry-leading standard pricing plans and also has strong private-label and affiliate programs. Started as part of EZ Publishing, a web hosting and design company founded in 1998, StreamSend is now the company?s flagship product.

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Gaza group watching Israel's response to new truce (AP)

GAZA CITY, Gaza Strip ? A Gaza militant leader said Friday that his Islamic Jihad group will be watching Israel's response to the latest attempt at a cease-fire, following more than a week of hostilities with Israel.

Muhammed Al-Hindi, a leader of the Palestinian faction, said the Egyptian-mediated truce went into effect Friday.

It's the second attempt to end more than a week of hostilities. The escalation began with an incursion by militants, apparently from Gaza, who crossed on Aug. 18 into southern Israel from Egypt and killed eight Israelis and injured more than a dozen.

Palestinian militants in Gaza pummeled southern Israel with over 160 rockets and mortars since, killing one Israeli and injuring about 20 including a baby, the Israeli military said.

Gaza's health ministry says that 26 Palestinians were killed, mostly militants, in the past week by Israeli retaliation airstrikes.

A cease-fire late Sunday dissolved with rocket fire from Gaza on southern Israel and retaliatory Israeli airstrikes.

"We are evaluating and monitoring the commitment of the occupation government to the cease-fire," said Al-Hindi, adding that Israel "carries full responsibility for the latest escalation, and for any future violations of this cease-fire."

There was no immediate Israeli government reaction.

A Hamas official said early Friday all key factions had agreed to the latest truce and that the Gaza government and Egypt were trying to get smaller Palestinian factions on board as well.

Hours earlier, an Israeli airstrike killed two Palestinian militants in Gaza following a salvo of rocket attacks on Israel. Palestinian officials said the two were members of Islamic Jihad.

The Israeli military confirmed the airstrike, saying two militants were targeted after they fired mortar shells toward an Israeli border crossing, damaging it.

More than 15 rockets and mortar shells were fired toward Israel on Thursday, the military said.

Two shells hit the border crossing between Israel and Gaza, cutting off electricity and trapping a Palestinian woman and her baby inside the border terminal. An Israeli military commander said he took them to a protected area of the crossing and waited for mortar fire to subside before allowing them to cross into Gaza an hour later.

Source: http://us.rd.yahoo.com/dailynews/rss/mideast/*http%3A//news.yahoo.com/s/ap/20110826/ap_on_re_mi_ea/ml_israel_palestinians

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Thursday, August 25, 2011

Putting the Why in The Nonprofit

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How to Start a charity: The Why

The most fundamental reason for learning how to start a nonprofit is to offer assistance to others in a world that is in pain. Everybody at some point has lost focus on what is crucial in life. Merchandising and Advertising convinces us that we need more and if we just had one more item, our lives would be complete. While that?s not correct for many of us, there are others in the world that a single cup of water or food could make the difference in their lives. Even whendeciding how to start a nonprofit, we are able to forget that for people that are really in need, every little can make a change. For a massive part of the Earth, $1 a day can make a gigantic difference.

The Reason to Learn How to Start a nonprofit

The method of learning how to start a nonprofit is not as tough as the reason why to start a nonprofit. If most were truthful with themselves, just the facility to read this page of words on the Internet is most likely certification you are much better off than most of the planet. If that is true , then there is a enormous difference you can make by being concerned in non profit work. Whether or not your contribution is only a $1 a day that can make a difference in one other person?s life that needs it.

As noted, the method of learning how to start a nonprofit isn?t as hard as learning why to start it. In developed countries, we have lost our humanity and forget that there are more individuals in the world who don?t have one meal a day than those that do. Solely to have a glass of water is a luxury that the majority of the world does not have. The reason for everyone to learn how to start a nonprofit or be concerned in non profit work is simply because others do not have the necessities to sustain life. We in developed nations spend trillions a year on frivolous things while our brothers are dying from starvation.

Learning How to Start a Nonprofit Makes a Difference

We forget, that the difference that separates us from those in need is just the nation in which we were born. Learning how to start a nonprofit and creating a difference in individuals?s lives who need us is the decent thing to do. Helping people is the humanitarian thing to do. By learning how to start a nonprofit you can do a lot more than just feed people, there are children who are in slavery, others who?ve suffered emotional trauma, and the list goes on.

Creating a non profit is simple and the steps can be found by following the links below. The more important question is how can we get each person that has got a $1 a day to begin to use that to help folks in the world that are in need? If you?re a person or organization who needs to make an impact by doing or getting involved in non profit work, then I?d personally like to help you do that. Together we can make a contribution in a world that inevitably us. Either learn how to start a nonprofit or get involved in non profit work today and we could be the answer to ending the want in the world.

Finding out more about how to start a nonprofit is easy by Clicking Here ?->>http://SimpleNonprofit.com Scott Michael Ringo, an entrepreneur, is known worldwide as the nonprofit Guru and expert fundraiser because he helps others easily start and fund non profit charities all around the world. Through his work with nonprofits across the world he helps people start and run successful non-profit organizations. He?s a legacy builder and will help you build your nonprofit organization heritage.

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Source: http://canarymagazine.net/business/putting-the-why-in-the-nonprofit/

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Wanna Find Comfortable Flip Flops? | News and Society

If you?re anything like me, you?ve got more footwear than you can count. Sneakers. Hiking boots. Sandals. Flip Flops. All taking up space and really not doing the trick for you. You want something that will work at the beach, out-and-about around town, and you can throw in your gym bag to use in the showers. Now there is an solution to this and it is flip flop sandals.

The difficulty is that traditional flip flop sandals aren?t really that comfortable. They?re stiff. They stink. They don?t last. Plain and simply, traditional sandals and flip flops aren?t that great. Well times have changed!

Feelgoodz sandals and flip flops are just what you?ve been looking for. Flexible? rubber. Odor-free. 100 percent organic. Brightly colored. Flexible. Everything you need in multi-use footwear. With Feelgoodz flip flop sandals you?ve got something you can wear anyplace and everywhere.

These rubber flip flop sandals come to North America direct from Thailand. designed and produced working with the Thai people, Feelgoodz imports these natural, environmentally friendly and comfortable sandals and flip flops.

There aren?t many products out there that keep you feeling good, looking good and do good for the environment. But Feelgoodz sandals and flip flops have got this covered. available in a range of colors and sizes ? these flip flops are perfect for men and women. You won?t have to worry about blisters or ?breaking in? your sandals, simply slide your feet into these sandals and away you go. When you?re tired of your flip flops (since they won?t wear out) and want a new pair, don?t put them in the garbage.

Feelgoodz sandals are 100 percent recyclable. Yes, they are biodegradable. Because these sandals are made of the best grade of rubber available, they are excellent for the environment. When you?re done with your flip flops, bury them in your garden, chop them up and stick them in your compost bin, or even use them as doorstopper.

This is all part of the philosophy of Feelgoodz: People, Planet, Profit. Feelgoodz is focused on doing well by doing good and strives to be a 100 percent responsible company. This philosophy trickles down to super comfortable, Brilliant, squishy and friendly sandals and flip flops.

When you?re sliding on your Feelgoodz sandals and flip flops, keep this Thai mantra in mind: Mai Pehn Rai. This means: it?s cool, no worries, or take it easy. Your feet feel good. Your soul feels good. You?re smiling. People are smiling back at you. Suddenly the little worries in life aren?t such a big deal and you?re just happy to be out-and-about with your comfy sandals. Imagine if all your friends were feeling good as you ? all thanks to flip flop sandals.

Source: http://newsandsociety.getbis4u.com/wanna-find-comfortable-flip-flops

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Blog Archive ? Where are we now?

August23

I really have no excuse for being MIA, except for the fact that in N. Idaho we only have about 3 months of summer (but this summer it was about 8 weeks, ugh), so we are busy having fun. In fact, so much fun that lately the kids have been begging to just have a ?rest? day at home because having fun has just worn them out. So? today is a rest day, and thus, I am here.

First off, the Shadricks are doing great. Oh my word, Sarah is fitting in so well with our family, it is nothing short of a beautiful miracle. I can?t believe that Sarah has already been home with us for 7 months and our adoption roller coaster seems like a distant memory. Now that we are on this side of? adoption, I can honestly say, with some experience under my belt, that if you are considering adoption or in the longggg, harrrdddd, heart wrenching wait for your child, know this, adoption is amazing and so worth every single moment of work, prayer, tears? Adoption has transformed our family in ways we never imagined?.

Sarah, now 17 months old, finally started walking about a month ago, and now she doesn?t stop:) She loves to talk (in fact most of the time it still sounds like Amharic:) and LOVES her family and exploring this world with us.

Sarah at the Spokane Mobius Children's Museum

Sarah at the Spokane Mobius Children's Museum

Sarah at the park with her new favorite dress (thanks Janette:)

Sarah at the park with her new favorite dress (thanks Jeanette:)

2011 Summer 034

By far Sarah?s favorite toy is her baby doll, ?Deedee?(thank you Chris and Jeff Butler). She LOVES to push baby ?Deedee? around in her stroller and the pride and determination she shows as she navigates her little darling around is fun to watch! Sarah also loves to smother Deedee in kisses and hugs, which blesses our hearts because it shows how loved Sarah feels ? hallelujah! Although only 17 months old, she is incredibly nurturing and motherly (even with real live babies), I can?t wait to see what God has in store for her tender heart.

Ivy and Quincy are now saving their allowance up to help build a home for a special family that we support in Ethiopia. Once again we are amazed at how? tender their hearts are and how adoption has changed their perspective.

And finally, after lots of prayer, guidance and discernment, we? feel that our family is to pursue foster care with an emphasis on the foster-adopt program. When we first felt called to adoption over 2 years ago we began by looking at the local needs of children in our area and country. We researched and inquired about Foster-adoption and the doors CLOSED at EVERY turn. We were told up front that the need for children ages 0-3yrs was very small and we would probably never get a placement. We wanted to adopt where there was a need, and it was at that point that we turned our sights on International Adoption, which we know is where God wanted us.

A few? months ago we began praying about out next adoption, where did God want us to look for our next child? While my flesh desperately wants to dive right back into ET, my Spirit just did not have peace, and neither did Jason?s. I started looking into other IA programs, China, Korea? but nothing felt right. One night I asked Jason where he felt our next child would come from, and he said ?domestically.? I actually laughed out loud and said, rather matter of fact, ?Honey, that will never happen. First off, foster-adopt just wont work because of our age restrictions, and with domestic infant adoption, a birth mom would never choose us because we can have bio kids & we already have kids?and? why would we even try to adopt a baby when there are so many families lined up for them and really, we just aren?t ?needed? for domestic infant adoption. Sorry hon, but you are ?hearing? wrong.? He simply replied, ?well, you asked, and that is what I feel??

The next day a friend stopped by to say ?hi? and confined in me that they are getting licensed for foster care and want to foster-adopt. I told her that I would LOVE to adopt via foster system but Jason would not be supportive of it for at least a few years, if at all. As I talked more with my friend, she shared all that she has learned about our state foster-adopt program and that they actually do need families for children aged 0-3 (2 years ago we were told that the chances of getting a 0-3yr placement was minimal). I started to get excited.

That night our social worker ?happened? to come over to do our 6 mo. post placement report and she just ?happened? to be the? foster-care specialist for our HS agency. After Jason got home from work, and before our social worker came over, I asked Jason what he thought about asking our social worker about foster-adoption. I fully expected him to say ?no way?, and was shocked when he said ?I told you I felt we are to look domestically. Its about time you came around ? wink, wink.? I was floored, I never expected those words from Jason.

So that evening we discussed this opportunity with our social worker, who is also a believer. We then decided to take it slow and spend time praying over such a huge decision.As time passed, we felt more and more convicted about? caring for orphans (James 1:27) in our own community.

In fact, I began to feel like a total hypocrite as I shared about a wonderful new program that YWAM has in ET called ?Adoption Ministry 1:27? where people can ?sponsor? either a single parent family on the brink of losing their children due to poverty or illness (which would result in another orphaned child) or ?sponsor? an Ethiopian foster family which allows them to financially afford to take care of an orphan in their own community. International Adoption is clearly not the solution to the global orphan crises, and via this new program YWAM is partnering with local ET churches to promote local orphan care by offering sustainable, long term, more realistic solutions for Ethiopian orphans.

So here I was, promoting? a program that enables and encourages Ethiopians to care for their ?own? orphans, and here we were, not doing the same here in our own local area. Did I expect Ethiopians to do something that we ourselves were not willing to do? That was a hard question?.

As days turned into weeks a sense of peace surrounded the idea of fostering and the once scary thought of only being able to love a child for a season, suddenly felt like an incredible blessing and opportunity. Until recently I was fearful that Foster care or Foster Adoption would be too emotionally taxing on us, but now my heart aches for the little ones who need a safe, loving home, even if only for a season.

I also used to wonder how the instability of foster care/adoption would affect our children? But then I realized that while we were teaching our children to advocate, love and give to the orphans and vulnerable children of our world, we were failing to show them the realities of many children in our own community and what we, as believers in Christ, are to do for the ?least of these? right outside our door.

My fear of having a child, whom we cared for,? ripped from our home used to produce great fear in me? But now, by the grace of God, I see the opportunity to love on a child for a season as a gift, honor and blessing. We plan to pour enough love and prayer over each child to last them a lifetime. These? children may never again have anyone praying on their behalf, and so we will take seriously the opportunity to do so, even if just for a short time.

Now don?t get me wrong, while I feel that we are more emotionally prepared for the heart ache, I am not naive to the reality of fostering. We recognize the emotional roller coaster that comes along with foster care and the need to be on our knees in prayer a lot, which is always a good place to be. And for those of you concerned about the safety of our other children, we are trying to be very wise about the children we will allow in our home. We will in no way risk the safety and well being of our other children, so please, have faith and confidence in the decisions we make for our family and remember that we love Ivy, Quincy and Sarah more than you, and thus we would never do anything to jeopardize their safety.

Our ?plan? (which I totally recognize as meaning nothing because, like we learned with Sarah?s adoption, God?s plan is the one that counts), is to start slowly with respite care (babysitting or watching foster children for short time periods, like hours or a few days), and then if God wants us to continue, we will move on to accepting long term placements of children (or a child) who are likely going to have parental rights terminated and will be placed for adoption.

While we do have a dream and a vision, we fully accept that God can change things very quickly and this may not end the way we envision. But our job is to be obedient today, and to say ?yes? today, so that is what we do. Today God is asking us to get licensed for Foster Care, so we are, and we will see where He takes us.

We really have no expectations of what will happen, and I am done trying to guess what God has planned for us. We may adopt via foster care or we never even get a placement and we may be led to international adoption again and find ourselves waiting to bring home another child from Ethiopia or some other distant land (and trust me, I am soooo anxious to start another International Adoption!).

But regardless of where the journey takes us, we will continue to allow God to break our hearts and mobilize us in new ways. He is only good and His plans are so perfect. We are just along for the ride.

Blessings,

kameron

Source: http://theshadrickslove.com/?p=2197

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