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Pegi Burdick wants women to understand that their financial difficulties are not really about dollars and cents. Instead, they spring from deeper, older problems that today are in conflict with their current behaviors. This conflict is the substance of IT?S NEVER ABOUT THE MONEY?EVEN WHEN IT IS, Ms. Burdick?s new book. It was inspired by research and conversations she?s had with women through her coaching program, The Financial Whisperer.
?How you move through the world and how you feel should be consistent,? explains Burdick. ?When they aren?t, you make poor financial choices and you rationalize negative behaviors.? Despite countless books, coaching programs and support groups seeking to help women manage their money, none provides long-term solutions because they do not uncover the real issues. Ms. Burdick?s book does.
IT?S NEVER ABOUT THE MONEY?EVEN WHEN IT IS asks two basic questions: ?Where are you now?? and ?What?s holding you back?? Each chapter deals with a different part of a woman?s personality and behavior. By providing stories from some of her clients, Ms. Burdick invites readers to identify their own problems and gives them a new way to think about familiar words, such as intimacy and trust. This emotional literacy lays the groundwork for readers to regain control over their lives.
IT?S NEVER ABOUT THE MONEY?EVEN WHEN IT IS retails for $ 13.95. The book is available on Amazon.com and directly from the author at http://www.thefinancialwhisperer.com. The book is endorsed by Susan Piver and Chellie Campbell. Both authors have applauded Burdick?s skills and courage in writing about unspoken cultural taboos and how they connect to one?s finances.
About the Author
After years of working with women in business and as a mortgage broker specializing in home foreclosures, Burdick was inspired to put her knowledge to work as THE FINANCIAL WHISPERER, a concept that seeks to help women separate their emotions from their finances, to understand how and why they confuse love and money, and why they have difficulty demanding what they deserve.
For more information IT?S NEVER ABOUT THE MONEY?EVEN WHEN IT IS, visit http://www.thefinancialwhisperer.com or contact Karie Reynolds at (626) 765.1007 or karie(at)kariereynolds(dot)com.
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The Mortgage Gallery Rockingham, a mortgage broking firm composed of reputable mortgage brokers in Cockburn, Kwinana, Rockingham and the greater Perth area ? has declared that it is enhancing its roster of services in order to help the housing industry rise from a seeming plunge in demand, despite the recent cuts in the banking industry.
This move by the respected mortgage broking company stems from figures provided by the Australian Bureau of Statistics, showing that the demand for housing for the first three months of the year plunged by 12.6%, which is higher than the last housing demand plunge for the last three months of 2011. Additionally, ABS figures likewise showed that on an annual basis, the demand for new homes has also considerably decreased by 24.5%.
According to industry analysts, this continued decline is very disappointing, considering that rate cuts have already been made by the Reserve Bank of Australia in order to help strengthen the domestic scene and to further help the economy. They also say that this is indicative of extra-cautionary behaviour from prospective home buyers and can be a sign that the housing market still needs some help.
In the figures provided by the ABS, total dwelling units for March was only at 30,623, while new private sector houses were lowered by 7.8% in the same quarter. In addition, other residential buildings for the same period also fell by 21.6% or just at 9,492.
Dwellings for New South Wales and Victoria have likewise declined considerably, with 37.4% and 8.3% respectively. Western Australia also suffered its own decline in dwellings, with 4.8%. On the other hand, Queensland had an increase of 2.5%.
In another side of the story, some industry experts attribute this lowered demand in the housing industry to the new Building Act, a state legislation that has caused confusion among real estate developers and authorities ? and which have resulted to some other problems as well.
John Dastlik, Director of the Housing Industry Association WA, said that there is the need to institute reforms in order to resolve the issues quickly and to help the industry. Otherwise, it may lead to long-term negative effects. He said, "Sales in the new home market are actually increasing, [but] we've got a piece of legislation which has slowed the approvals process."
Dastlik then added, "If you continue to have very slow processes... that can have an impact on people's decision on whether they go new or established. So in the medium- to long-term, if these sorts of issues expand the time on which to get building permits and people have to rent longer, they might make the easier decision [to buy an established home].?
In response to the issues hounding the housing market, The Mortgage Gallery Rockingham has decided to enter into the fray by bringing faster transactions and more reasonable home loans in Cockburn and Kwinana, as well as Rockingham home loans and those for the greater Perth area ? with the promise of making their services even better.
The Mortgage Gallery Rockingham can be reached through phone number (08) 9527 1800 or drop by their website: http://www.themortgagegalleryrockingham.com.au/.
Check out these Portland Houses images:
Portland House, Glacis Road, Gibraltar
Image by Lancastrian
Another block of flats. The approximately 30,000-strong population of Gibraltar are thrown into small, very expensive properties like these ones. So the price of a small flat here can buy you a large house in much of the UK.
Portland House, Glacis Road, Gibraltar
Image by Lancastrian
Another block of flats. The approximately 30,000-strong population of Gibraltar are thrown into small, very expensive properties like these ones. So the price of a small flat here can buy you a large house in much of the UK.
Portland House
Image by Joe Dunckley
Source of that haircut.
In a 2006 National Association of Realtors survey, only 7% of sellers sell their homes without a licensed broker. Owners attempting to sell their own homes, also known as FSBOs (For Sale by Owners), will have many tasks to accomplish with which they may not be familiar. The valuation of the property is just the beginning; timing, marketing, preparing the home, negotiations, and so many other things are hurdles the owner must research and tackle to be successful.
Benefits
First and foremost, when an owner sells the home the realtor commission fees are nonexistent. These fees can add up to 6% of the selling price of the home; this amounts to $ 12,000 on a $ 200,000 house. Another benefit is the vested interest the owner has in the sale of the home. It is often the case that realtors work to secure a quick sell without so much worry about the price or conditions on the contract. The owner can set their own schedule for showings and can openly negotiate with a potential buyer without the hassle of sending paperwork back and forth.
Multiple Listing Service
The Multiple Listing Service (MLS) is a national marketing tool that all licensed agents use to share listings and match buyers. Previously, sellers not using an agent had no access to the MLS. Now FSBOs can list their home on the MLS using one of many websites that offer this fee-based service.
Advertising
There are many new real estate services online that cater specifically to the FSBO market. For a reasonable fee, the property is posted online with photographs and virtual tours. Zillow.com, ForSalebyOwner.com, and homesbyowner.com are just a few such sites. Along with this, open houses, full-color brochures, ads in newspapers and real estate circulars, and personal networking are all advertising tools that can lead to the sale of a home.
Challenges
The owner that hopes to sell a home without the help of a broker will face more work than he or she might think. In order to price the home correctly, the owner must research recent sales and home prices in the area. The owner must also know the state laws and regulations of fair housing, home disclosure, sales contracts, and sales negotiations. Financing can also be a confusing category, so the owner should know how to tackle this subject with a buyer.
Warnings
Buyer's agents are often reluctant to work with owners trying to sell their own homes, even if the home is listed in the MLS. Also, buyers tend to submit lower offers to FSBO homes because they know the owner is saving money on sales commissions. The National Association of Realtors reports that the majority of owners attempting to sell their own home eventually hire a realtor, mostly because buyers typically use agents.
Kristie Lorette is a freelance writer and marketing consultant that specializes in personal finance. She is also the editor of The Mortgage & Credit Diva, a blog devoted to mortgage and personal finance tips, tricks, and advice for consumers. You can read Kristie's blog at http://www.mortgageandcreditdiva.blogspot.com or learn more about her writing and marketing services at http://www.studiokwriting.com.
Article Source:
http://EzineArticles.com/?expert=Kristie_L._Lorette
Check out these For Sale By Owner images:
for sale by owner
Image by Images_of_Money
Property for sale by owner
For Sale by Owner
Image by laudu
Driving by this home, I do a double take...Do you think they're trying to sell it?
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At age 35, Paul Angelo, Miami's gay life coach and a gay matchmaker has still 95 years to live. Given his lean physique and a healthy lifestyle since a young age, Angelo is confident that living 130 years is possible.
"My father used to always tell me: your health is the most important thing in life. And since I was a young kid, being conscious of my body and my behaviors has led me to look and feel great every day without any health problems. I have never been drunk, don't smoke and treat my body with respect. And I know I can sustain that for the next 95 years." says Angelo.
Angelo arrived in Chicago from Poland in 1995 and has lived in the U.S. since then. Angelo's education started with DePaul university in Chicago as a finance major and expanded into two masters degrees, MHA and MBA. Angelo's professional career involved working as a personal trainer, computer programmer, day-trader, manager and recently as a gay life coach and a gay matchmaker, teaching gay men how to start relationships and live a high-performance gay life.
"I believe that if you treat your body right, your body will serve you and give back to you" says Angelo. To live another 95 years, Angelo's strategy is to always be on the cutting edge of knowledge about nutrition, exercise and physiology.
Angelo uses fasting - sometimes twice a week to eliminate addictions to foods and drinks containing caffeine and sugars. In terms of exercise, Angelo goes for long walks daily, mostly in the morning. During times of intense stress and high-performance work Angelo walks twice a day - early in the morning and before going to bed.
"Because I walk more than 360 times a year, I was chased by dogs, run away from raccoons, was thrown soft drinks at by teenagers, I was mugged, got soaked by rain countless of times and have gone through lots of shoes. But it is all worth it - I feel amazing every day and all my negativity is recycled into the earth every time I walk. And now I can afford to live in a safe place and no longer worry about being mugged." says Angelo.
Angelo's secret to the longevity mindset is meditation. "When I meditate I am airing out all the stresses and resentments that accumulate in my life. I can think clearer and my creativity and resourcefulness go through the roof. Without meditation I could not be able to handle all responsibilities and requirements of high-performance life." says Angelo.
Angelo's devotion to meditation started when he met with Ina Lee from Fort Lauderdale who has been offering free meditations to the public. Anyone can experience Ina's meditations by visiting her website at http://www.MeditateWithIna.com or by visiting her Wednesday sessions in Fort Lauderdale. "I have meditated to a lot of CD's but not one can compare to what Ina has to offer. Everyone should visit her sessions." says Angelo.
"Today we know so much more about nutrition and exercise than 10 years ago. We know today that running for more than 5 minutes is bad for you, coffee drains your body of nutrients, sleeping less than 7 hours damages your brain and weight-lifting at a gym causes injury. One does not need to be an expert to go for a walk, join a meditation group, get organic food and find some friends to spend time with. Anyone can live 130 years if he chooses so." says Angelo.
Angelo's teachings are gaining popularity in the U.S. and internationally. His practice now encompasses 10 different countries. Angelo's gay matchmaking service focuses on knowledge and learning as a way to meet high quality partners and falling in love. Angelo also offers high-performance group coaching for gay men over 40 who want to lose weight and achieve professional success faster than conventional methods.
To learn more about Angelo's services one can visit his website at http://www.PaulAngelo.com
Buy tickets
Also available at the PCPA Box Office, by phone 800-745-3000, and at Ticketmaster outlets.
The original Fab Four from Down Under are back! The Wiggles summer tour will reunite Anthony, Jeff and Murray with Yellow Wiggle Greg Page as they perform together again for the first time in five years. This is also the last tour that will feature the original four Wiggles together. Come “Follow the Leader” and play the “Sporting Salsa” with The Wiggles, Captain Feathersword, Dorothy the Dinosaur, Henry the Octopus, Wags the Dog and all the Wiggly Dancers when they are "Getting Strong" in a city near you!
The Wiggles are strong advocates for a healthy lifestyle and are excited to bring this positive message, on the importance of fitness and exercise for all ages, to 30 cities across the United States this summer. Stops will include: Dallas, TX; Long Island, NY; Philadelphia, PA; Chicago, IL; Los Angeles, CA; and Atlanta, GA. The Wiggles are also proud to announce that they will visit Tropicana Field in St. Petersburg, FL on August 5th for a special performance following the Tampa Bay Rays vs. Baltimore Orioles game!
Come and wiggle in the aisles for Celebration! The Wiggles! Live in Concert. The Wiggles are excited to bring their highly interactive, fun and educational message throughout The United States. Audience participation features include:
Children can have even more wiggly fun while they wait for the show by visiting www.WiggleTime.com, The Wiggles’ very own virtual world created specifically for preschoolers and their parents. Parents can monitor their child’s progress and have access to premium promotional offers, contests, merchandise discounts and presale Wiggles tickets! You can also follow the gang on Twitter via Twitter.com/ItsWiggleTime or become a fan of the group’s official Facebook page Facebook.com/TheWiggles.
The Wiggles are proud to announce that the U.S. school readiness initiative Reach Out and Read will be the official charity partner of their 2012 Tour. Reach Out and Read prepares America’s youngest children to succeed in school by partnering with doctors to “prescribe” books and encourage families to read together. Together, Reach Out and Read and The Wiggles will work to raise awareness about the importance of parental involvement and reading aloud to young children. Reach Out and Read doctors and nurses serve more than 3.9 million children and their families annually at 4,779 pediatric practices, hospitals, clinics and health centers in all 50 states. Parents who participate in the research-proven program read to their children more often, and their children enter kindergarten with larger vocabularies and a six-month developmental edge. A portion of the proceeds from all ticket sales will be used to support Reach Out and Read Programs across the United States.
About The Wiggles
The Wiggles, the world’s #1 preschool entertainers, performed over 350 shows to more than 1.5 million fans since 2005 in the United States alone. The Wiggles perform over 200 shows annually across four continents. The Wiggles are seen on TV in over 120 countries worldwide. Fans can catch The Wiggles on television exclusively in the U.S. on 24-hour preschool network Sprout as hosts of Sprout’s Wiggly Waffle, which airs every weekday morning from 6:00 – 9:00 a.m. ET. Beginning July 7, 2012, fans can also watch The Wiggles on NBC’s new Saturday morning preschool block, NBC Kids. The Wiggles have sold more than 23 million DVDs and videos, 7 million CDs and 8 million books in the United States, Canada, United Kingdom, Australia and New Zealand. You can also follow the gang on Twitter via Twitter.com/ItsWiggleTime or become a fan of their official Facebook page Facebook.com/TheWiggles.
www.thewiggles.com
About Reach Out and Read
Reach Out and Read is an evidence-based, national nonprofit organization that promotes early literacy and school readiness by giving new books to children and critical advice to parents about the importance of reading aloud at regular pediatric checkups. The program begins at the 6-month checkup and continues through age 5, with a special emphasis on children growing up in low-income communities. Along with the free book for every child, doctors and nurses also provide guidance to the parents about the importance of reading aloud with their children every day. The research proves that families served by Reach Out and Read read together more often, and their children enter kindergarten with larger vocabularies, stronger language skills, and a six-month developmental edge over their peers. Nationwide, Reach Out and Read doctors and nurses serve more than 3.9 million children and their families annually at 4,779 pediatric practices, hospitals, clinics, and health centers in all 50 states. To learn more, visit www.reachoutandread.org. Find us on Facebook at www.facebook.com/reachoutandread and follow us on Twitter @reachoutandread.
Ticket prices: .25, .25, .55 & .00 at the PCPA Box Office (includes service charges)
.00 - .50 plus service charges at outlets, by phone and online.
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