10 Educational Vacations in North Dakota : Blisstree – Family …
Lake Sakakawea, Cross Ranch State Park, and along the Missouri River are just a couple of the hot birding spots. Culinary – Learn the cuisine of the diverse immigrant cultures found in North Dakota, or enjoy the technique of organic …  read more…

memphis newsFree 12 Success "Secrets" Of American Millionaires &
… Oklahoma, Georgia, Alabama, North Carolina, South Carolina, Florida, New Mexico, Indiana, Kansas, Arizona, Nevada, Utah, California, Washington, Oregon, Idaho, Wyoming, Colorado, Nebraska, North Dakota, South Dakota, Montana, Alaska. … Jackson, Little Rock, St Louis, Las Vegas, Tucson, San Francisco, Hollywood, San Jose, Fresno, Sacramento, Phoenix, Salt Lake City, Boise, Eugene have to work hard to survive on the income they earn from their jobs and businesses’ …  read more…

Midwestchaser: Slacking Lately- August 8th chaselog & Wisconsin …
Covering Minnesota, Iowa, Nebraska, North Dakota, South Dakota, and Wisconsin … Headed east to another North-South oriented road named Bass Lake Road. Just up the road nearly due east of St Joseph township is another house with major garage damage and lots more tree damage. East of this damage appeared to taper off. A couple of other things of note is just east of Bass Lake Road was a John Deer trailer that looked like it was blown over. I dont know how strong winds …  read more…

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Tourist Spots and Accommodations for the Best Winter Getaways
Winter season is also an excellent time to plan a vacation and enjoy the cold climate. Here are several suggestions to an exciting winter getaway.

Winter season often limits outdoor vacation and ac…  read more…

Tourist Spots and Accommodations for the Best Winter Getaways
Winter season often limits outdoor vacation and activities. The snow sometimes reaches six inches deep that prevent us from having fun outside. However winter time is not at all that constricting if w…  read more…

Skyscrapers of the Desert
The tallest building ranked by height in Dubai, United Arab Emirates is the seventy-four story Almas Tower, which is almost twelve hundred feet tall. Construction on the Almas Tower, also known as Dia…  read more…

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Resolved Question: Praise the Goddess!!! I have found the light!!!!!!?
I have finally truly found the answer to the question that has been haunting me for nearly two years now. I could not for the life of me figure out WHY this local ultraconservative cult like Christian church has been driving me nuts with the constant harassment. I asked alot of questions on here trying to figure it out and I know that many of you thought that I was just trying to get attention or was nuts. But I have found out why they have targeted me!!!!!!

Their church owns a ranch just north east of here where my great grandfather homesteaded many years ago. Guess what people…. I OWN THE MINERAL RIGHTS TO THEIR RANCH!!!!!!!!!! I inherited them about four years ago from a bachelor Uncle who died. They may own the property but I HAVE THE MINERAL RIGHTS!!!!!!!

HAHAHAHAHAHAHAHA! They want to make me a member of their little group any way they can so they can get me to GIVE the rights to them.

I don’t know if you guys know this but this area is over a huge lake of sorts of natural gas and oil. This is eastern MOntana, north dakota and I think south dakota too.

SO it is all about money… not my soul, life or the fact i am a wiccan witch…. Just old fashion greed!!!!!!!!!!!!

My question to you is…. What should I do with these rights???????
Zan.. in the state of MOntana… I DO have access to the oil and gas… by LAW. They can’t denie the oil companies I contract with access!!!!!

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Resolved Question: Funding for “Investment Property” which will eventually be our retirement home? Any help?
Here’s the situation: My husband and I currently have a primary residence in North Dakota which we have a mortgage on (monthly payment is $823). We plan to retire in 15 years. For the past year we have been looking at property for sale with or without a residence on it to have set up as our primary residence in retirement. This last week we found it. Its perfect, everything we want for our family, upstate New York, 5 acres, stream, surrounded by apple & peach orchards, 1/4 from Lake Ontario, across the street from a state park, 15 minutes from Amish Country, huge barn, etc. Currently there are renters in the property and it is For Sale By Owner. The property is selling for $155k and the current owners bought it for $145k 3 years ago. We believe it is reasonably priced. Our credit score is between 760-770 and have a low debt ratio (no car payments, no credit debt, one small 3 year loan under 7k that we got for our parents to consolidate their loans and they pay on time.) I think we have formed a good repore with the sellers. This is their second home as well, they live out of state.

I have talked to a handful of banks and we are definitely preapproved. The down fall is that they are considering this an investment property because there are currently renters in the home whom we have agreed that they will stay for no longer than a year, then becoming our vacation home until we can retire there. Is there anyway around this “investment” classification that the lenders are calling it. For 14 out of the 15 years it will be a vacation home until we can make it our primary residence. With the lenders classification the lending falls under more strict rules. For example we will have to have 20% down, plus closing costs, totaling about 42k due at closing. That’s a lot of money! But we want to get in now because I know as we speak mortgage lending practices are tightening and new rules are being put into place. With this and inflation we want to get in now before it will cost us even more money. Our plan would be to have it paid off by the time we retire.

Please anyone with any ideas/advice would be helpful. We are open to non-traditional ideas like “assuming a loan” or the like.

Here is what we have been given by the banks thus far:
30 year fixed
pay 2 points
6.625 interest rate
20 % down
Payment around $1070 a month

Thanks in advance.
I would like to add a few more details and thank you to all who have helped in answering my question thus far.

The current owners own the house in full, so there is no mortgage. Also, I know they want to sell this house so they can use the money from equity for their new house. We haven’t put in an offer yet but they have already told us they are firm on the price, 155k and that they have already reduced it by 15k. I do believe it is a great deal at 155k.

Hope these minor details help. Keep coming with the good advice.

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When you’ve made the important decision to stop renting and buy your own home, you’ll need a plan to get started on your search. While most real estate agents can advise and guide you through the home buying process, identifying exactly what you want and being clear about what you’ll settle for – and won’t settle for – will help you make the best decision for your long-term home investment.

The home buying process can be confusing to first time homebuyers simply because of the number of decisions a buyer has to make. A buyer first has to decide about the location of a home. The buyer is then confronted with other choices such as what type of home to buy, the condition of the home and the home’s amenities. It would be better to create a criteria of a perfect home to judge all homes you encounter on your search easily. Create your criteria with these questions and considerations in mind:

1. What are the essential amenities you’re looking for? Think about fireplaces, swimming pools and kitchen appliances that you want to have in your new home. Prioritize these so you can simply say ‘no’ to a prospective home if it doesn’t meet the basic amenities criteria. Be as specific as possible with this section so you can narrow down the hundreds of options available.

2. Be very particular about your location. Ilyce Glink, author of ‘100 Questions Every First Time Homebuyers Should ask’ explains that location is one of the most critical issues when buying a home. You need to decide where to live in relation to your work, your family and friends, your kid’s school, commercial areas, and places of worship. Your location determines your travel time each day. Ask yourself if the travel time is worth your home and location.

3. How big do you want your home to be? The size of your home will largely depend on your family’s needs. If you expect your family to grow in the near future, you may want to buy a bigger space to accommodate your family for the next three to five years.

4. Are you willing to spend on home renovations? Some homes might have the perfect size and the perfect location but are not in any condition to house your family. How much are you willing to spend in renovating the home? Being specific about this area will help you save time as you exclude some houses from your search.

5. Do you value safety and security? This is an important issue for families with small children and individuals living alone. What are the things you will need in order to feel secure in a home and neighborhood? Eliminate homes that do not pass your safety and security guidelines.

Being specific about your home buying criteria will help you save time in searching for your home. It will also make your stay in your new home more enjoyable because your new home would match your needs and wants.

Technorati Tags: home buying, Real Estate, real estate - buying/selling, real estate investing, real estate investment, real estate investments, real estate-housing

You’ve certainly heard people say that it’s impossible to save money when there’s a recession going on, but that’s really not the case and there are ways that you can save money, even when there’s not much money to be had. The main thing with saving money during recession times is that you have to be more creative with both spending and saving so that you can still get what you need while putting some money back for a rainy day. Don’t get afraid and buy the hype that you won’t be able to save and that you’ll end up going broke because you can’t even make as much as you need to spend – that’s simply not true for most people.

Recession times are generally easier overall on people who were already savers and not spenders, because those people usually have some money already put back for stressful times. When there is a nest egg in the bank the recession won’t have that much of an effect on you unless it continues for a very long time, and with that being the case you know that you can just lower your spending a little bit and you’ll generally be just fine. For people who have always been spenders, though, things are a little bit more difficult, since they didn’t save much in the past, don’t have a nest egg, and won’t be that likely to try to save money in the future, especially when there’s a recession going on and they are already seeing their dollar’s worth shrink.

No matter whether you’ve been a saver or a spender in the past, though, you can learn how to hang on to your money even when there’s a recession and there’s not as much money available to you. In fact, that’s one of the best times to start saving because you might need that money at a later date, depending on how long the recession continues. If you can learn to save during a recession and live below your means, you’ll be much more able to continue saving once the recession has ended and there is a lot more money out there for you to acquire and hang onto.

In order to save during a recession (or anytime, actually), you have to spend less than you are making, and there are many different ways to do that – most of them very simple. For example, do you go out for lunch at work or stop and buy yourself a coffee in the morning? If you do, you probably don’t realize how much money you’re actually spending on these things when you could make coffee for yourself in the morning and carry your lunch to work from home, both of which would be much less expensive and often better for you, depending on what kind of lunch you typically eat.

You can also save a lot on what you eat at home, because the average family actually spends a lot more than they need to when it comes to the dinners that they fix and the foods that they eat – they eat too heavily and use products that cost a lot. Look for sales instead, and buy the things that are on good sales, offer buy-one get-one deals, or that you have coupons for, but don’t let coupons fool you on brand names, because the store brand is often cheaper than the name brand (and just as tasty) even with the coupon. It might seem like you’re giving up a lot of things, but shopping that way can be a lot of fun and can become a game that you play with your spouse, your friends, and your children as to who can find the best deal.

Things are not great deals if you don’t need them, no matter how cheap they might be, so don’t fall into the trap of buying things that you really don’t have a use for just because they’re on sale. Those kinds of purchases are usually things that you’ll end up regretting, especially when you see that you could have saved that money to put back or to purchase something else that you really did need. If you read the sale fliers each week and make lists you can shop at the grocery for a lot less money than you used to, meaning that you won’t have to worry as much about how you’re going to save money, and putting you into better shape financially.

Having a budget or keeping a ‘money journal’ is also a good idea because you’ll be able to see exactly how much you’re spending. For a budget, write down absolutely every penny that you spend so you’ll be able to see where all of that money is going. It will help you see areas where you could save even more money without having any big problems, and that will help you to hang on to more of your money, even during a recession.

Technorati Tags: Economy, finances, housing market, loan modification, loans, money, personal finance, Real Estate

We all know how much time buying or selling a house can take up, even if there are a lot of potential buyers out there waiting for it. You have to find the right buyer, after all, and that can be an extremely complex process. There’s a lot of property for sale in the UK, but there are plenty of buyers, too, so your chances of a good match are fairly high, as long as you can find that person.

If you’re interested in selling your home quickly, it’s important to get as much attention as possible. Your realtor will be able to help you, and can show a home in a way that prospective buyers will notice. However, a realtor can’t make the home sell. If you’re interested in selling fast, you’ll have to put some effort in on your own. The good news is that if you do so, the chances of a sale go way up.

The quickest way to sell a house is to showcase it. These homes lure buyers in and make them feel as though they?re at home. They look good inside and out, and are ready for move-in right away.

The other thing you’ll need to know about showcased houses is that they don’t stay on the market long, but they bring in high prices. If you’ve seen one of them, you’ll probably already know how fast they can sell.

If you do not require the help of a realtor, it is very likely to sell your house, and quickly. You will need to do all the footwork yourself, which includes getting your house on the market and showing it to prospective buyers.

You?ll need to list your home in daily papers, and have quality signage to make the home easy to notice. This will help let buyers know that your home is available. Some people actually actively look for a home that?s for sale by owner because it keeps them from needing to work with a realtor and pay the extra fees.

When selling your home, it is advisable to make certain that the outside of it is clean, the lawn is neat, and the inside is in excellent condition. If you want to live there until it is sold, make sure you have the inside showcased to the best of your abilities. You want to make the buyer feel welcome and at home, so that he does not want to go. If your house is looking great both indoors and outdoors, a buyer will want to look at more.

If a buyer desires to look at more of your home, there is a great chance that you have come upon the person who will buy it. Do not make the buyer feel stressed, instead, give him the feeling that you want to know more about his thoughts and feelings. If a buyer notices that you are concerned with what they think, it will go far in building trust, which will assist you in selling your house.

Technorati Tags: Apartments, house and home, houses for sale, houses to rent, property, property investment, Real Estate

In today’s world the real estate professionals are facing a lot of competition and to deal with it most of them are designing a blog or website with WordPress, known as the Wordpress blog since it helps to develop online real estate business. WordPress is a modern article publishing platform or Content Management system (CMS) which focuses on usability, web standards, and aesthetics.

If you intend to use the WordPress blog as a real estate social marketing tool, then you will be relieved to know that WordPress is completely free as well as priceless. In other words, WordPress is something that you apply when you primarily want to function with your software of blogging rather than fight it.

There are real estate themes on WordPress that are customizable and user-friendly. If you are a web developer or a real estate agent then the WordPress blog is an ideal solution for you. This can be used as a management system for content as well. But before you actually purchase it, you must read the page on FAQ very cautiously. All buyers of any theme receive a lifetime access and privilege to numerous updates for that particular theme absolutely without any charge. Thus, it is a big privilege.

The WordPress blog can be really helpful for busy developers who need effective techniques to achieve results real fast. The themes available on WordPress offer them a solution to manage their real estate content easily. And if the popular Multiple-Use Package can be bought, it can save a lot of endeavor and time too.

In 2003, WordPress had come to the web with a minimal code for enhancing the typography of daily writing with very few users. Now it has left behind its competitors and has become one of the largest tools of self-hosted blogging worldwide. These days it is extensively used on innumerable websites and by countless people on a daily basis. This has made the use of the WordPress blog even more popular.

WordPress is mainly a project having an open source. This means that there are multiple people around the world who are functioning on it and are using the WordPress blog. Most of these users use it essentially as a commercial platform. Real estate proprietors can use this as a blog platform to advance and enhance their real estate social marketing.

From the website WordPress.org you can download as well as install a special software script known as WordPress. To do this you will require a web host who can meet the nominal requirements and spend some time. It is possible to customize WordPress and you can use it for anything and everything. Real estate bloggers will find a free service at WordPress.com by which they can get started with the WordPress blog instantly.

Wordpress is user-friendly and has made creating and posting articles on blogs easy, simple and convenient. This has led to the increasing usage of the wordpress blog. As a real estate professional if you too want to make your online business successful and attract investors and potential customers, do opt for Wordpress blog. You can be assured that it will help to give your real estate business a much needed boost!

Technorati Tags: bank foreclosure, bank owned, foreclosure investing, how to buy foreclosures, how to find foreclosures, Real Estate, real estate investing, real estate marketing, short sale investing

With the housing market being as competitive as it is these days you will want to use any marketing tool available in order to gain the advantage. Are you a real estate agent trying to attract more clients online? There are several reason why marketing online has become extremely important to the competitive real estate agent. There are 70% of homebuyers use the internet for research and to search for listings and services. It has saved a lot of time and more cost effective than traditional forms of marketing.

Are you a real estate agent trying to attract more clients online? I’ll be sharing with you for Real Estate Online marketing that helps you attract more targeted client online. To get a better exposure online, you have to get your website or listing on the first page when your clients search.

In a simple principle, you have to create a website or listing online to drive your target group to your website/listing. First of all, you have to have a web site or listing Online. I believe most of you have your own web page already. If you do not have, you can create one using site builder, web 2.0 or blog. After that, drive traffic using keywords which people searching keywords for Real Estate. For example, a buyer search for listing for his town like x town, so he will type on the Google search textbox: x town house listing. Then several thousand search listing out. If your listing is on the first page of the search, you will probability get higher traffic.

Find a keyword with low competition phrase; Write an informative article relevant with your keyword; make sure the keyword phrase appear 3-5 times through out the article, keyword in the title and description.

Once you have written the article, there is a resource box which can introduce your expert in this industry and make sure you put a link back to your website or listing. Then post or submit your article to several free article directories. It will not take effect to just submit one article. The power of this method becomes clear when you repeat the process over and over again using different keyword phrases related to Real Estate.

This is just a general idea for one of the online marketing methods. There is competitive in real estate career, you have to learn more online marketing to equip yourself to support your career.

Technorati Tags: business, Education, Internet, marketing, money, online, property, Real Estate, real estate agent, real estate internet marketing, real estate online marketing, real estate online training, training

If you are thinking of adding candle lanterns to your outdoor landscape design you are not alone. Plenty of homeowners think exactly like you and for the same reasons. Candle lanterns are cheap and easy to install.

Candle lanterns can be found at many brick and mortar stores like hardware or home improvement stores. The downfall of shopping at one of these places is that you are at the mercy of the limited amount of inventory that exists. These places only have so much space to devote to any one item and so their stock is limited. Your best bet to find the right item for you is to search for and buy it online.

Candle lanterns are usually made of metal. However, some lanterns are made from combustible materials such as paper, nylon or wood. These non-metal lanterns are usually treated in such a way as to make them fire resistant. Pay particular attention to the candle holder which supports the candle. This is the base by which the rest of the lantern is built around. If the holder is solid, the lantern will be too.

These lanterns have a wide diversity in design. The designs can run the gamut from a Moroccan style lantern to an Asian inpired design.

Rustic lanterns harken back to the days of the Old West when our ancestors conquered the American West. These lanterns are made of metal with a bulbous glass side and can either be hung or placed on a flat surface.

Pagoda lanterns are the perfect choice if you are planning an asian party or an asian design for your backyard. The pagoda lanterns are typically multisided with cutout panels that allow the light to shine through.

If you wanted to go with a middle eastern theme for your backyard, a Moroccan lantern is also a good choice. These lanterns are hexagonal in shape and each side is comprised of a thick, colored glass.

Whether its an Old West, Southwest, Asian or Middle Eastern style of landscaping, candle lanterns can fit your unique style and add to any party you throw.

Technorati Tags: Candle chandelier, candle lanterns, candles, landscape lighting, outdoor candle chandelier, Outdoor candle lanterns, outdoor lights, patio string lights, Real Estate, string lights, votive candle holders