Thursday, February 14, 2008 

Financing A Real Estate Property Through Bridge Loan

Other terms you may encounter when thinking about of a bridge loan include swing loan and interim financing; these are the other terms used for bridge loan. This type of financing is helpful for people who are looking into buying a real estate property immediately because bridge loan allows them to have immediate cash when the need arises. But there is a setback in acquiring a bridge loan because this convenience comes at a price. You will have to deal with above normal interest rates and your bridge loan would have to be backed by collateral usually in the form of real estate. But nevertheless, a lot of potential home buyers avail of the bridge loan because it gives them the option to have money until they have a better alternative.

Bridge loans are actually very beneficial to suiting an individual home buyers needs. For example, bridge loans are widely practiced in the real estate market because there is usually a gap between the time it takes to sell one property to the purchase of the next property so bridge loan would give a home buyer greater convenience and options. Generally, bridge loans are availed of in a two to three weeks period for the purpose of financing real estate purchases. These real estate projects include avoiding foreclosure, retrieve a real estate property, and even to quickly acquire a particular property. In addition, the bridge loan can be used to avail of long term financing arrangements.

Bridge loans are sometimes mistaken for hard money loans because both have similarities to each other. You should be aware though, that these two have dissimilar characteristics. The main dissimilarity is that hard money loan can be associated with a trouble property and even a problem in your situation. But this is not the case in bridge loan because a bridge loan basically refers to an interim financing method until such a time that an individual can obtain permanent financing. Bridge loans usually also charge a higher rate of interest when compared to the hard money loan. However, the main advantage of a bridge loan is that it can lend a higher amount of money even during the starting phase of acquiring real estate property. Bridge loan is also commonly used for down payment because it gives you the equity to buy a new house while waiting for your old house to be sold.

Karen Rhodes is a lifelong resident of the Chattanooga area and is a successful REALTOR. Visit http://www.ChattanoogaRealEstateToday.com for more information on Chattanooga and its surrounding areas.

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Knee Deep in Asbestos

When I was 17 old I started working at an asbestos mine in the Yukon. I had the excitement of youth and looked on the thing as a big adventure.

The mine was located about 7 miles from the Alaska border on the banks of the Forty Mile River, which emptied into the Yukon River some 5 miles or so north.

I first arrived in August and started working on the Surface Crew. This was the group responsible for outside maintenance of all things on the surface. This was fine when we had those few relatively warm days in summer, but later it was a bit more difficult to be working outside in minus 55F.

One of my first duties was to keep clear the conveyor that took the unused asbestos out to the tailings piles. Tailings piles are basically the dregs of what's left over after milling the asbestos and is run out of the mill on conveyor belts to large piles behind the mill. At that time they were about 100 feet high.

I was given a shovel, and a small mask (kind of like the little paper ones that painters use) and told to go shovel off the conveyor belt on the tailings piles. Dutifully I climbed up with my little shovel to clear any blockages of asbestos from the conveyor. I remember clearly at one point standing literally knee deep in asbestos on top of this 100 foot high pile and looking inside my very poor quality mask and seeing the inside (where it's not supposed to be) all grey from the asbestos dust. I then took out my hankerchief (yes, I carried one) and blew my nose. Sorry for the rude, graphic description, but it was all grey. And that was my introduction to work at an asbestos mine.

Even back in the early 1970's it was becoming known that asbestos caused problems. Working in the mine we'd get brochures handed around periodically with propoganda about how it was never proven that asbestos was actually harmful. They were beautiful glossy brochures. I wish I'd kept one.

Though I had occasion to go into the mill for various reasons I was glad I didn't work there. There were employees that worked in the mill whose sole job was to sweep up the dust that fell on the floor. There was so much of it that this was a constant ongoing job. The asbestos dust in the mill actually fell almost like snow and covered the floor completely. Without sweepers there would probably have been several inches of asbestos dust on the floor within an hour or so. In fact, I remember seeing sweepers go by pushing their wide brooms and the new dust settling onto the floor behind them as they walked.

The Yukon itself was absolutely beautiful. Stunning in fact. I had many great experiences there and saw some natural wonders I couldn't have seen anywhere else. I had hitchiked up the Alaska Highway with a friend. In those days the highway was unpaved. Most of the trip was provided by a nice family who were travelling in an old converted school bus. Rattle and dust. Rattle and dust. But we made it finally to Whitehorse, and then on to Dawson City. I loved Dawson. It was like stepping into the past. Not just the architecture and homes but the people had that old fashion friendliness and charm, though tempered by a resolve that one must have to live in such a fierce environment.

The Yukon has a peacefullness to it. Almost a serenity that one can feel. I've found that only those who have been there and experienced it fully understand what I mean by this.

In all of this beauty I suppose the asbestos mine was a blight, or cancer on the environment. Fortunately closed down now for many years nature is recovering it's territory, but unfortunately asbestos mining has left a legacy of asbestosis and Mesothelioma with some of it's previous employees. There are many resources available with information, legal, and personal (www.mesothelioma-listings.com) but one shouldn't let something that consumes the body, also consume the soul. Being human is to be somewhat fragile to the vagarities of life as it is. There's plenty of 'drama' going on without us spending all of our energies on blame. Be calm. Remember your duty in life is to help others. Be happy and try to improve life around you.

As I type this I am looking out the window, watching my grandchildren learn to fish off the seawall out back. It just doesn't get any better than this.

Phil Jones is a freelance writer, who now lives in sunny Florida, about as far as you can get from the Yukon and still be in North America. He set up the website www.mesothelioma-listings.com to provide personal legal firm law mesothelioma asbestos info for those who may need it.

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Building Log Book Requirements - Part 3

For the majority of buildings the Log Book should comprise of fifteen sections, containing information as indicated below. This part contains Sections 7 to 10.

Section 7 Summary of Areas and Occupancy

This Section contains tables which should be filled out with detailed information on:

  • Occupancy of the building for the various main occupied areas, broken down by hours
    • daily,
    • weekly,
    • week ends,
    • flexitime,
    • late working
    • number of occupants.
  • Floor Areas of the building by main occupied area, broken down by:
    • Untreated
    • Naturally ventilated
    • Mechanically ventilated
    • Mixed mode
    • Heating & cooling only
    • Full air-conditioning
This Section should included details of any separate tenancies in the building and of any separately managed areas such as a restaurant or gymnasium.

A set of floor plans should be provided in this section, indicating the primary areas and the locations of plant and plantrooms.

Section 8 Summary of Main Building Services Plant

Section 8 contains a table which should be filled in to provide details of the primary energy consuming plant with reference label, location and energy input and output.

Section 9 Overview of Controls and BMS

Section 9 is the major part of the Log Book. It should contain descriptions of the major energy consuming systems including:

  • Electricity
  • Gas
  • Water
  • Heating
  • Cooling
  • Ventilation
  • Lighting
Each system should include details on:

  • Description
  • Location
  • Record drawings
  • Plant capacity
  • Control settings
  • Safety features
  • Energy saving features
  • Tips for good operation
Section 10 Occupant Information

In order to achieve a good working environment it is important that the occupants understand how to control the building services in their space.

Section 10 should include information on the users working environment. It should included simple descriptions of the installations including:

  • Heating
  • Ventilation and air-conditioning
  • Lighting
  • Windows
  • Shading
  • Office equipment
  • Simple energy does and donts

This article is produced by Tony Dolling, Director of -

Krisco Technical Publications Ltd. Krisco are Technical Authors specilizing in the construction industry. They produce Building Log Books, Health & Safety Files, Operation & Maintenance Manuals and Tenants Manuals.

Tel. - +448 700 343 550
Fax. - +448 700 343 551
Email - sales@tm31.co.uk
Web - http://www.tm31.co.uk

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The Best Internet Marketing Strategy

The Very Best Internet Marketing Strategy is to gain knowledge your competitors don't have. In all business ventures there is tremendous competition, and this is especially true with the launching of any website. In order to beat the competition, planning, positioning, differentiation of your product as well as effective internet marketing is crucial to a successful website. The two main components that will determine if your web site is successful, is having both the best internet marketing strategy and website content.

Planning your Website Content

With Millions of websites on the internet it is essential that you plan or revise your content so it stands out from your competitors. The best internet marketing strategies involve techniques that make your product stand out from your competitors, give the consumer a reason to choose your product instead of the competitors. Due to massive and growing global competition on the internet, competition in price is often not possible. However, there are alternative differentiation and positioning strategies that can be just as effective.

Most people shopping on the internet have an extremely short attention span. Therefore, often internet marketing strategies like convenience become a more important factor in a successful marketing campaign. The best internet marketing strategies involve presenting your product in a manner that influences customers perception of your product in the most favorable manner. The overall objective is to distinguish your product from your competition and give the consumer a compelling reason to choose your product over the competitors. When planning your content, it is important to consider the following checklist during the planning process of your website copy writing.

o All the benefits and features of your product, compared to your competitors

o The level of customer service you offer compared to others

o The delivery time, cost and product guarantees you can offer vs. what they can provide

o The emotional and physical need or desires your product can potentially fulfill

o Are your customers local and are your competitors local

o What demographic your competition is targeting and are there weaknesses you can exploit

o Consider what online advice or value-added services you can provide

(i.e; Newsletters, FAQ page, 1 800 #'s, guarantees, forums, blogs, tools, etc.)

o Can you and do you offer more varied methods of payment

o Does your staff's education, training or experience set your company apart

o Established reputation, customer testimonials and/or celebrity endorsements establish trust

o Can you provide statistics regarding volume of sales and customer satisfaction

o Listing prices of your product or service. Many people will leave the sites without this information

o Ensure you most advantageous points appear within the first two paragraphs

Identifying the competitors strengths and weaknesses in positioning will allow you to clearly distinguish your product and website above the competitors and plan for effective website copy. However, if your website does not get seen, it is wasted effort.

The Best Internet Marketing Strategy

All the best internet marketing strategies involve some degree of Search Engine Optimization (SEO). Get to know at least the fundamentals of search engine optimization and ensure that your copy writing includes the keyword phrases that your customers are actually typing into the search engines. One of the simpler free SEO tools at http://inventory.overture.com/d/searchinventory/suggestion/ , can facilitate this process by giving you an indication of the actual number of monthly search queries that are performed. Try to use keyword rich titles and content in your web site copywriting. There are literally hundreds of other on-page and off-page SEO factors that determine a websites internet presence. The best internet marketing strategies often include the following;

o Posting to relevant newsgroups

o Soliciting reciprocal links

o Posting to relevant forums and newsgroups

o Updating and creating fresh and additional website content

o Directory and search engine submissions

o Blogging and implementing RSS Feeds

o Issuing press releases

Finally, if your industry is particularly competitive, or your time line is limited it may be worthwhile to consider the services of a professional search engine optimization expert to improve search engine rankings for that final competitive edge.

For more internet marketing information and free search engine optimization tools, visit; http://www.weimprovesearchenginerankings.com

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Italian Cuisine

Italian cuisine is as varied as the regions of Italy. Although Italy was officially unified in 1861, the food reflects the cultural variety of the countrys regions with culinary influences from Greece, Roman, Gallic, Germany, Turkish, Hebrew, Slavic, Arab, Chinese and other civilizations. In this sense, there really is no one Italian cuisine because each area boasts of its own specialties. Not only is the food of Italy highly regionalized, but a high priority is also placed on the use of fresh available produce.

Although traditional Italian dishes vary by region, they also do not follow strictly to a North/South pattern either. The north tends to use more butter, creams, polenta, mascarpone, grana padano and Parmigiano cheeses, risotto, lasagna and fresh egg pasta, while the south is more tomato and olive oil based cooking, along with mozzarella, caciocavallo and peconrino cheeses, and dried pasta. Coastal and central regions often use tortellini, ravioli and prosciutto in their cooking. Even pizza varies across the country. In Rome the crusts are thin and cracker-like, while Neapolitan and Sicilian pizzas have a thicker crust.

For most Italians, pasta is the first course in a meal with the exception of the far north where risotto or polenta is the norm. Vegetables, grains and legumes play a regular part of many Italian diets with meat often not being a regular part of everyday meals, Olive oil is usually seen in its dark green state (from its first pressing) in the south, where in the north a more refined, golden oil is seen. Basically, Italian cuisine consists of a combination of vegetables, grains, fruits, fish, cheeses and a some meats, with fowl and game usually seasoned or cooked with olive oil (with the exception of the far north). La cucina povera, the food of the poorer Italian people of the southern coastal area, has shaped a diet popular for centuries but now there is a resurgence of this "poor people's food", the Mediterranean diet, which is now being touted as the model around which we should restructure our eating habits.

Breakfast is considered a minor meal in Italy, often consisting of nothing more than a bread roll and milky coffee (caf latte). Traditional lunches tend to be larger, have several courses and are eaten slowly. Italian children don't go to school in the afternoon, and because of the heat, many small businesses close from midday until about 4pm which makes lunch the social meal of the day. The traditional menu structure in Italy consists of basically eight courses, but the long traditional Italian menu is typically kept for special occasions such as weddings, with everyday fare including only the first and second courses, with the side dish being served with the second course. As an exception to this order, a unique course, Piatto unico, can replace the first or second course with, for example, pizza.

The traditional menu consists of:

1.ANTIPASTO which are hot or cold appetizers, literally it means before the pasta; consists of a varied combination of colorful foods. The most popular ingredients are melon or tomatoes served with prosciutto cut into very thin slices. Lettuce, such as the slightly bitter endives or rocket, or other green leaves, such as the aniseed-tasting fennel, are typically used as a garnish, placed around the edges of the serving dish. Salami, mortadella, coppa and zampone, manufactured meat products, are common in antipasti. The artistry of the food is as important to Italians as the taste. For example the reddish colour of salami provides a good contrast to the green lettuce. Fish and other seafood may also be used in the antipasti course and, of course, olives and artichokes are also common servings, as are mushrooms (fungi) seasoned with salt, pepper and lemon juice.

2. PRIMO (first course) which usually consists of a hot dish such as pasta, risotto, gnocchi, polenta or soup, with many vegetarian options. There are many types of pasta, each type usually named after its shape with common types including spirali (spirals), farfalle (butterflies; sometimes described as 'bow-tie-shaped'). Penne (hollow tubes) and conchiglie (shells). Different shapes are supposed to be better with the different types of sauces. Spirals are two strips of pasta twirled around each other and are used with the heavier sauces, such as those containing minced meat and vegetables. Rigatoni is cylinders or tubes, with a wide diameter and grooves (or lines) on the outside. The grooves are supposed to hold the sauce onto the pasta, meaning that this pasta is good with runnier sauces. Then there is the group of pasta made up of long thin strands, which includes the most common type of pasta, spaghetti. Typically you eat this type of pasta by coiling its long thin strands around a fork. Other long thin pastas are tagliatelle, fettuccine and linguini, which are all varieties of flattened spaghetti. Extremely thin strands of pasta are called vermicelli (meaning 'little worms'). Yet another group of pasta is made of flat sheets (lasagna) or tubes (cannelloni), which are either layered or stuffed with meat and cheese fillings. Some pastas have 'pockets' to hold the sauce inside them instead of outside like ravioli or tortellini, which are soft sheets of pasta rolled around meat or cheese. Italians cook pasta of all kinds, whether fresh or dried, in boiling water until al dente ('to the teeth', meaning still a tiny bit hard in the centre. It is then served immediately in a bowl with sauce or cheese.

3.SECONDO (second course) this is usually the main dish of fish or meat. Veal, pork and chicken are traditionally the most common and are often pan-fried or casseroled. Beef is used as steaks (bistecca), while lamb (agnello) is roasted on special occasions, such as Easter and Christmas. Fish and other seafood are often used as main courses.

4.CONTORNO (side dish) this may be a salad or cooked vegetable. Salad is traditionally served with the main course. Common vegetables are beans (greens and pulses), potatoes (often sauted), and carrots as well as salads.

5.FORMAGIIO AND FRUTTA (cheese and fruit) this is the first dessert course and the fruit and cheese are usually served together. Grapes, peaches, apricots and citrus fruits are a major product of Italy's agricultural industry and are common.

6.DOLCE (dessert) the cakes and cookies course Italians produce many sweet desserts and 'sweet treats', including Amaretti, almond-flavoured meringues, which Australians call macaroons, Panforte, a sweet semi-hard 'strong bread' based on nuts and containing dried fruit (a classic Christmas treat from Siena), and. Pannettone, a very rich bread-cake (another Christmas treat).

7.CAFF (coffee) which is usually espresso coffee

8.DIGESTIVE (liqueurs) which may be grappa, amaro, or Limon cello. The wine industry has been important to Italy for centuries and the most common drink associated with Italy is wine. Until recently, and even now in the countryside, most Italians would make their own red or white house wine after the grape harvest. This would be drunk at every lunch and dinner. Even children are given wine to drink, but it is usually watered down with mineral water. Before dinner many Italians drink an amaro (bitter) to stimulate the digestive system, while after dinner they may drink sweet wines, such as marsala (from Sicily). Children are also sometimes given Marsala, beaten with a raw egg and sugar into zabaglione, to strengthen them.

PIZZA
Modern pizza has evolved from pizzas made by peasants in Naples, Italy, but more than a few Mediterranean peoples can claim to have 'invented' the pizza. In ancient times many civilizations created dishes of flat bread with various herbs and toppings. As a staple for the poor, it was a matter of necessity that food could be eaten without utensils, and that the 'plate' it was served on could be eaten as well. They made a bread crust from flour, water and yeast, topped it with olive oil, herbs, cheeses, sometimes even leftovers, and baked the whole thing in a stone oven. Given that most pizza connoisseurs today consider the tomato sauce to be the key ingredient, it may be surprising that pizza pre-dates the introduction of tomatoes to Europe. Tomatoes reached Italy by way of Spain in the early 1500s but were thought to be poisonous. It was several decades later that tomatoes topped a flatbread in the form of a pizza.

Italian cuisine is very popular in all its forms and is imitated all over the world. Wouldnt you like to include Italian cuisine in your kitchen today?

Denny Phillips has created several articles inspired by her love of cooking, travelling and art. Read other articles by Denny on her websites: http://www.goodcookingcentral.com and http://www.vacationtravelquest.com

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Evaluating a Bomb Scene

Friday, June 29, 2007 marked another day in Londons history in which a terror scare rocked the people of this city. Fortunately, nobody was hurt unlike the last bombing that struck a London public transport system nearly two years ago next week. Two car bombs were discovered and quickly defused by a Scotland Yard bomb squad. Now the hunt goes on to find the perpetrators who could have caused such mass destruction of innocent lives.

If these car bombs did explode, how do forensic criminal investigators go about evaluating this particular crime scene? In this article, we will attempt to explain how the investigators evaluate explosive situations, how they define explosives, and how they go about investigating a bomb scene.

Explosions and fires are similar chemical reactions that take place since both result from the consumption of fuel and oxygen. The only difference between the two is that an explosion reaction occurs faster than a fire reaction. Explosion reactions use up their fuel such as gasoline or gunpowder almost instantaneously partly because the materials are confined to a small space. Fire reactions, on the other hand, consume their fuel such as wood, trees, or paper more slowly than explosion reactions. If you ignited these materials in an open space, the materials simply burn. In contrast, if you tightly pack these same materials into a container, it explodes when you light it up.

Explosions pose problems for investigators. The explosive device and any surrounding structures are heavily damaged if not entirely obliterated. Unless a secondary fire occurs, investigators can usually ascertain the point of origin with no problem. Finding fragments of the device, timers, or igniters is another story.

Explosives are categorized as either high or low according to the speed of their resulting shock wave. Low explosives usually move at rates of up to 1,000 m/s, and high explosives may reach speeds up to 8,500 m/s.

Black powder and smokeless gunpowder are the most readily available and commonly used low explosives. A mixture of table sugar and potassium chlorate makes another easy explosive. Bombers do not need to be complex.

High explosives can be divided into two categories all dependent upon their sensitivity to heat, friction, or mechanical shock.

  • Initiating explosives are highly sensitive to these effects. Because of their instability, home-made bombs rarely use initiating explosives. These explosives are usually found in primers and blasting caps, where they initiate other more stable noninitiating explosive reactants. Mercury fulminate and lead azide are widely used in this manner.
  • Noninitiating explosives are more stable and commonly used in military and commercial applications. Examples of these explosives include dynamite, trinitrotoluene (TNT), pentaerythritrol tetranitrate (RDX), and cyclotrimethylenetrinitramine (PETN). ANFO, an easily made explosive material, is a mixture of ammonium nitrate and fuel oil.

Ammonium nitrate is an oxidant loaded with oxygen and can be found in fertilizers. Bombs made from this material were used in the Oklahoma City and 1993 World Trade Center bombings.

Investigating a Bomb Scene

Looking through the scene of an explosion requires the same attention to detail as does a search of a fire scene. Searching for remnants of an explosive device such as the igniter and timer may be important in determining the type of explosive used and the persons responsible for this crime. Furthermore, forensic criminal investigators focus their searches on gathering debris to test for unexploded residue, which is almost always present.

Microscopic examination of the debris may unveil black powder, gun powder, or both of which are easily recognizable by the color and conformation of their particles. After conducting a microscopic inspection of the debris, the lab technician rinses the debris with a solvent, usually acetone, and then analyzes the resulting solution, using various scientific laboratory techniques such as thin-layer (TLC) or gas chromatography (GC) and mass and infrared spectroscopy. Determining the identity of the explosive is made through a combination of these techniques.

After determining the nature of the explosive used, criminal investigators then target their investigation on the seller and buyer of that explosive.

Fabiola Castillo has been marketing the personal defense website NinjaCOPS.com. This virtual store specializes in selling stun guns, kubatons, nunchaku, pepper spray, Air Tasers, and many other self defense products.

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