Archive for July 31st, 2009

Self Storage Benefits

The concept of self storage warehousing is becoming increasingly popular with businesses and households availing it as both a long term and short term answer to meet their storage needs.

Location of the self storage warehousing company must be the first item on your agenda. The location must be such that the transportation time for your goods is as less as possible. The size of the area to lease is another aspect that needs consideration as renting too much area will prove expensive and going with a cramped space might harm your items.

Moreover, cutting edge security and fire systems must be in place to make sure the protection of your goods. You may be inclined to disregard these things expecting that the self storage warehousing company will always be able to handle them, but that is not always true, as there are all sorts of companies out there.

Appropriate packaging of you items is another prime consideration. Different items require different types of packaging based on their size, shape and fragility. Mingling different kinds of items inside a box without giving due thought to their unique nature is a symbol of careless packing.

The next factor is associated with the sensitivity of the items to the weather. If your items are prone to weather changes like variations in moisture content and temperature, then self storage services having climate regulation technology inside their units should be chosen. They will cost more than the normal ones, but will guarantee good care of your items.

In plain terms, self storage means a provision where a person can hire a storage space to keep things that you do not want to dispose off.The arrangement of boxes during storage is another factor worth considering. The articles that would be required frequently should be placed in the front, whereas cartons with glassware or dishware inside them must be put at the top to avoid any crushing by weight.

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Lake michigan lots

Outdoor Magazine Blog ยป Outdoor Magazine Radio (weekend of 8/1)
This week on the Outdoor Magazine radio show we kick off the month of August with lots of great conversation about hunting and fishing in Michigan and beyond. First, I describe my latest walleye outing on Saginaw Bay. You can read more about that here. … Tom tells us about the DNR’s new Pure Michigan hunt. We turn our attention to salmon in the second hour of this weeks show. Paul Schlafley of Riverside Charters in Manistee gives us a Lake Michigan fishing report. …  read more…

Moxie & Mayhem: Sufjan Stevens, What's Not to Love? (by Eryn)
For the Widows in Paradise, for the Fatherless in Ypsilanti (Michigan: The Great Lake State) Another song with a lot of spiritual undertones, but it is so powerful. Words cannot describe the way this song affects me. …  read more…

Jeannie has Only 11 more days left to go- Off to Canada next …
I love to swim and the currents in the water were really way too strong to go swimming here in Lake Michigan. So I just went in the pool and the hot tub and then one of the guys on the team, Chuck, who always get in early, … We’ve gone to a lot of buffets, lots of good food to be able to choose from. We all enjoyed that. Then I came back, and this is my delight when I got back also, another great thing happened. One of the guys on the team here had some free time to be …  read more…

From Google Blog Search

Field Point Accuracy With the Broad Heads
Field Point Accuracy with the Broad heads: With growing fame of mechanical broad heads, we have seen decreased emphasis on a good, and old fashioned tuning skills. Now no longer is it necessary th…  read more…

Michigan Weddings Suit Every Taste and Budget
Having a fairytale wedding is every bride’s dream, and Michigan weddings are certainly an easy way to fulfill bridal fantasies. With destination weddings becoming increasingly popular, the thought of…  read more…

Inexpensive Destination Weddings
Destination weddings are becoming increasingly popular these days. More and more couples are turning their wedding day into a weekend event with lots of added activities for all of their guests such a…  read more…

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Open Question: What disorders can you see in these characters?
I am currently writing an idea for an animated film about an experimental purgatory. In this experimental purgatory, a lot of the “subjects” are from different decades of the 20th century, and therefore receive different forms of therapy for their many psychological and mental conditions. (To which the only escape is to get a taste of reality after January 1st, 2000.) Once they get across the barrier, the psychotic subjects will be getting modern diagnostics and treatments for their problems. In the meantime, I would like to get an idea of what exactly the diagnoses would be. If you can help, that would be highly appreciated.

Marybeth Murphy (died in 1904) – Marybeth lived in a time where women didn’t have many rights or respect. Because of this, she has the delusion that she is one of the most powerful men in the world, the King of England. Because she thinks she is a man, even in the care of the purgatory, they treat her as a nutty and unimportant woman who needs daily punishment in order to get rid of her delusion. Although she has been receiving “treatment,” her mind is still unstable as to who she really is.

Amelia de Chance (died 1916) – Amelia doesn’t really have a delusion, but she is most described as an artist. She has premontions of disasters that will happen later on in her century, and draws them detail by excruciating detail on her many canvases, therefore, she may suffer from some sort of morbid obsession.

Edmund and Thomas Johnson (died in 1928) – Edmund and Thomas are two 10-year-old boys that were brutally killed by their father. Before they were taken to die, they were watching a new and exciting cartoon, Steamboat Willie. Since their death, they have delusions that they are animated cartoons, 1920’s-style, and insist on everyone to call them “Steamboat Eddie” and “Steamboat Tommie.”

Harry Fink (died in 1932) – After failing an audition for the Broadway musical Chicago, Harry Fink committed suicide after a wave of depression hit him, (combined with the divorce papers from his wife Wilma he found when he got home.) In death, he suffers from chronic depression, and stays in a hermit-like state. He never leaves his room, and constantly watches a tape of Chicago he was given upon admitting him. When he got a little better, he believed that he was Mr. Cellophane, and learned the entire part himself. (I know I threw in the chronic depression already, but he does think that he’s a fictional character.)

Mary and Theodore Norrington (died in 1954) – Mary and Theodore are a kind couple from Michigan, who both died when their boat capsized in a nearby lake. Upon their death, Mary told Theodore the news that she had found out she was pregnant the day before their ride, and was hoping to surprise her husband with the news. Devastated that their dreams of starting a family were ruined, they have the delusion that the Johnson boys from the ’20’s and the Jones girls from the ’90’s are their children, and treat them in a ’50’s sitcom sort of way, (Ozzy and Harriet was their favorite radio program for the past couple of years.) Their behavior is very robotic, and is similar to “Stepford.”

Tabitha McGee (died in 1967) – Tabitha died from an acid hallucination when she jumped off a nearby cliff, thinking that she could fly. Since her admitting into the purgatory, she lives an almost permanent hallucination, thinking that the chairs around here are talking frogs, and her hospital bed is a cloud, etc. She is very hard to get information from, and is very hard to give detox medication to.

Flippy Monroe and Candy Kintz (died in 1984) – Following the “Club Kid” fashion, roommates Flippy and Candy died from drug overdoses. Upon their arrival to the purgatory, they have symptoms similar to Tabitha McGee’s, and think that the purgatory is just a hospital they went to when they overdosed. They appear to have so many drugs inside of them that they are almost impossible to fully detox.

Also, with your answers, I would appreciate some modern forms of treatment, to get an idea of what they would expect in 21st century humanity and psychology.

  read more…

Voting Question: Suggestions for setting in Wisconsin, Michigan, Minnesota area?
I’d love some advice on where to set my story.

I’ve never lived in the north, so bear with me here..

The story is set in a town with around a 5,000-15,000 population (give or take, I’m not very concerned with size, just not TOO big.) Preferably with a larger city nearby.

A very cold winter is required, and I’d love it if it had small or medium-sized lakes near. (Cabin accessible / freeze over?)

If you know of a town with a lot of personality or worth setting a story in, please leave a few suggestions! They are greatly appreciated.

  read more…

Resolved Question: Camping-Illinois/Michigan with friends. Where to go?
I want to do some camping in a rustic, scenic atmosphere, preferably with a lake nearby. Just a tent and a car.
For those who have been camping a lot, are there any particularly special
places that you would recommend?
Things I’m looking for:
-Endless woods/forest to go hiking/wandering through(aka-breathtaking, adventure filled landscape)
-Place to setup tent and have a bonfire
-Water nearby either fishing/canoeing/swimming/etc..
These are just basic things. Open to suggestions if there is anything else you can recommend.

Would like to AVOID the R.V. campground-type experience and places littered with young families.

note: limited amount of funding.

  read more…

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runners - Twitter Search great run along Lake Michigan. Lots of people enjoying the weather. bikers walkers runners swimmers dogs boaters volleyball players BBQ
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Choosing Replacement Vinyl Windows

When it is time to make improvements to older homes, homeowners have many of choices. When all the options are weighed, many homeowners turn to new replacement vinyl windows because of the improvement to the homes energy efficiency and appearance.

Most older homes loose a lot of heat and cool air from the interior through cracks in the older windows. New vinyl replacement windows help solve this problem by providing an air tight seal and double pane weather sealed glass that is more energy efficient. No wonder more homeowners are choosing replacement vinyl windows for their home.

When you are looking to increase the market value of your home, vinyl replacement windows are a great choice. The added value and low maintenance of vinyl windows bring both style and to both the inside and outside of the home.

Since replacement vinyl windows are custom made, you can get a window in any shape or design needed. Windows are available in a variety of styles like casement, double and single hung, or fixed. If other styles are needed, ask your installer. They can likely accommodate your request. Before choosing an installer, get all the facts on various companies and compare the Windows for quality. Many tops brands like Pella or Anderson offer warranties and stand behind the work of their installers. The window installer that you choose should be able to answer all your questions, measure your windows, and provide you a written quote before ordering.

Advanced forming processes allow manufacturers to create custom vinyl windows to the owners specifications. Homeowners can even select alternatives such as Low-E glass that reduces the amount of ultraviolet light entering the homes interior or impact resistant glass that can withstand hurricane force winds. These choices could take more time to build, but these desired choices may be well worth the wait.

In Closing

After your new vinyl replacement Windows arrive to the installer, they can usually be installed within a day or two depending on the size and number of windows being replaced. Large two story homes may take a longer to complete the install due to having to erect scaffolding to remove the older windows and install the new ones.

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There are many borrowers who get confused when they are quoted mortgage rates with points. The basic explanation of paying discount points is that you are paying some of your interest to the bank in the beginning in order to lower your mortgage payments later on, during the course of the loan. Points will lower your overall interest rate, and therefore the monthly payment on your mortgage.

One point equals 1% of the loan, and it is paid to the lender at the loan closing. If you are obtaining a $200,000 loan, one point would cost you $2,000 at closing. The more points you are willing and able to afford, the lower the rate on your loan will be.

As anyone who has been looking for a loan knows, the credit rating determines the loan rate, and then the point reduction is taken off this rate. If you are quoted 6% on your $200,000 mortgage, you may receive a different quote for your loan if you were paying points. There is no set amount, but most lenders will lower a fixed rate loan by .25% and an adjustable rate mortgage by .375% for each point paid. In the case of your $200,000 mortgage that you are willing to pay $2,000 for one point, your loan would then be reduced to 5.75% for a fixed rate loan and 5.625% for an adjustable rate loan.

Most loan quotes are automatically offered with the point quote. In other words, the quote could be 6%, 5.75% (1 point), 5.5% (2 points), etc. Then the table would show 7% with the pertinent reductions. So it is important to understand what the rate you will pay without points is to be able to find the rate you will have with points.

Obviously, your loan payment is going to be lower on a loan with 5.75% or 5.625% than it would be on a loan with a 6% rate. What the borrower is effectively doing is paying a part of the interest in advance. If you only held onto the loan for a short while, after you sell the house or negotiate a new mortgage, you will have paid this interest for a loan you no longer have. You have to spread the cost of the points over the time you plan to live in the house.

Points are often used as a sales gimic, since homeowners will have a lower payment and can pay more for the house. A seller may advertise “seller pays points” to attract more buyers. But keep in mind that this may increase the price of the home by the amount of the points.

There is no obligation on the part of the borrower to pay points. It’s a decision that a buyer can examine depending on many of the other factors in the mortgage.

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Web 2.0 is the Latest Trend to Hit Real Estate Investing.

There is a new market that investors have to learn to stay competitive in this market and that’s the internet. More specifically it is Web 2.0 and social networking.

After the initial internet businesses of the early 2000’s, people have been reluctant to say the least with regard to investing time and money into any internet strategy. Free email like Gmail and Online fax services like eFax and ringcentral are two of the only business models to survive in into the new generation.

Web 2.0 has shifted the concentration away from big corporations and given it back directly to the personal user. Web 2.0 gifts the gal with a computer and an thought a voice on the Internet.

Are you clear about Web 2.0 and what it is?

Many of you I’m sure are not exactly sure what Web 2.0 is. Well, it is essentially an overall term encompassing the web sites that have brought us new technology that allows for better control and use of content.

What this means is we now have the power to communicate with thousands of people faster than ever before. Content can be passed along throughout the web with an ease of publication that has never before been . Investors can make a few clicks and all of the content from one author is written on your site every day without any extra time invested. Copy and paste a couple of lines of code and you now have YouTube videos represented on your website rather than on YouTube.com.

Many, many strategies and sites fit the Web 2.0 description but the basic necessities are creating a personal blog and having profiles on the various social networks like MySpace, Facebook and Real-Estate-Investing.com. You can also do social bookmarking, article writing like the one you are reading now, download mobile phone applications and so much more.

Let’s bring this back around to Real Estate Investing. How do you use Web 2.0 in your real estate business? First, networking is now a breeze. You build a twitter profile and people all over the planet start following you. You join a few of the REI social networks and find other investors to chat with in your area. Finding other investors with more experience can often pull you through to the next level. You can make a video of your property and distribute it to 100’s of video sites at one time with TubeMogul. The possibilities are really endless. Just like in the marketing days of yesteryear, the creative bird usually gets the worm.

Establishing yourself as an expert in your market will bring tons of opportunities your way. At the end of the day, more exposure means more money. The nice think about web 2.0 is it levels the playing field once again. If you are working the internet side of things harder than your competition, you stand a pretty good chance at moving ahead of them.

So how much does all of this cost? That’s the greatest part, almost all of it is free. While this might not be so good for the companies providing all these free services, it is definitely great for you and your expanding business. Now people like yourself can express their opinions where they might have never been heard before. You will have to invest a little bit of time but anything worth while usually takes a bit of that. A few hours per week or a few minutes a day, either way it is still not a great deal of time.

Once you have been at it a while you will become better and better at creating new content in less time. Keep in mind, once you produce the content you keep getting returns on the information long into the future. But also keep in mind that you need to watch what you put out there as it will probably be around for years to come as well.

The last real estate downturn has left people searching for answers and a new plan of action in their investment businesses. While the Web 2.0 strategies might not be cut and dry, Web 2.0 is definitely the direction investors are now headed.

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Why You Should Do Real Estate Internet Marketing

Real estate internet marketing is not always the easiest thing to do. There are a lot of things involved, when it comes to marketing yourself. You have to build a network in order to do well in an industry that requires that you pick up your own clients.

I am sure that there are some of you that don’t have anything good to say about the internet. Now is the time to start looking at the internet as your best friend rather than an enemy. It is a place that will help you build leads with clients and so much more than you could imagine.

It is a good idea to always keep in mind that when you have a website that you want it to be something that is easy for the user to use. Don’t have too many things on it that take away from the things that you are trying to advertising. When you have a person come to your site, you want them to look at what you mean them to look at. If there is too much going on, people will leave your site and you don’t want that to happen.

When you have your own website you should continuously check on it and update it. There should be a resource section, which you also keep updated. The resource section is a great way to increase your websites ranking.

It is so important to remain active within the online community. You should have a blog in addition to your website, while joining forums and other things. It is a great way to get your name out there by interacting with others within the online community.

Over time you will learn more things which will contribute to the ease of your real estate marketing. Another thing you should think about too, is writing articles, which are a great marketing tool. They work really well at getting people to your site and so does as blog as long as you do it on a regular basis.

Don’t get discouraged if you don’t see results right away. Most will not see immediate results, but will over time. Marketing is the type of thing that gives back what you put in. So it is very likely that all the time and hard work that you put in will pay off in the end. Just have patience and don’t expect the phone to start ringing off the wall or people lined up at your door, since that is not going to happen.

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FSBO – Guide To For Sale By Owner Properties

Before you make the decision to sell your home by yourself, you’ll need to do evaluate a couple of things. First, determine the state of the real estate market in your area. Second, utilize to internet to help find potential home buyers.

What For Sale by Owner Means

Homeowners who decide to sell their home without a real estate agent are called “FSBO” short for For Sale By Owner. This is not a new concept and many people throughout time have chosen to sell their own homes. Recent advancements have made this concept more popular due to advancements in technology and the internet.

State of the Real Estate Market

When a real estate market is slow, every homeowner is looking for ways to save money and get an advantage over other sellers. When home inventory is high and the number of buyers are limited, sellers realize that every dollar can be the difference in closing the sale.

In a hot real estate market, sellers have an abundance of buyers to choose from and there is a relatively low amount of properties to choose from. Sellers see this as an opportunity to save the real estate commission, starting that they saw no reason to pay a six percent commission to an agent who didn’tt have to do much.

Internet Marketing

There are hundreds of internet websites that will allow you to post your real estate for sale listing. Homeowners can even post virtual tours of homes on sites like YouTube. Sellers have more options than ever to promote their homes for sale. Many sites let post your listing for free. Others, particularly niche websites, charge a fee of around $30 a listing but put your home in front of a targeted buyer.

Closing Remarks

The decision to sell without an agent is one that should not be taken likely. Get comfortable with the sales process, as you will be doing all of the paperwork and handling the negotiating process. If this is not something you are comfortable handling on your own, then it may be in your best interest to hire a Realtor. You can also look at hiring a flat fee brokerage agency. For a flat fee, a broker will assist you in selling your home on your own, without the high commission fees.

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Fixed Rate Mortgages Should Not Be Feared

Now that banks are enforcing stricter lending requirements and interest rates are projected to climb over the coming years, it is now important than ever to consider those fixed rate mortgages that so many of us ignored previously.

If you’re looking for fixed rate mortgages, you are not alone. Millions of individuals, just like you are not interested in adjustable rate mortgages and are seeking fixed rate mortgages instead. In this article, we’ll discuss proven techniques that you can use to find suitable fixed rate mortgages. Ready? Let’s go:

1. Ask what others are doing. Consult with friends and family, people you work with and see what they say about the financial institutions or brokers who offer great rates. It may be that your local lender offers better deals than its national counterpart or that one broker seems to get better rates than another.

2. Never settle for the first offer or so that gets presented to you. Do your homework and shop around, even if it means taking a few days to do so. This research can be as simple as surfing a few websites that focus entirely on mortgages where you can locate regional and national rate averages. Doing so will not only let you know whether you are being presented with a fair deal, but can literally save you tens of thousands of dollars over the term of your mortgage.

3. Consider paying points up-front at closing. If you are looking at maintaining a particular payment over the term or if you want to minimize the interest paid over that same term, consider paying points at the beginning of your term (or at closing in the case of a purchase). Although this will require cash up front, it can either lower your payment or reduce the total cost of borrowing over the term.

In conclusion, finding the best fixed rate mortgage requires a bit of effort but could very well be worth it. Simply ask around, do your homework and consider paying points. By doing this, you will likely end up with a great rate that you can be proud to call your own.

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Guide To Bathroom Renovations To Sell Your Home

When a home goes on the market, buyers compare the home to other homes in the desired neighborhood. Does your home stand out? Many buyers are looking for not only a good buy, but a home with modern updates meet their demands. They are often willing to pay more, if they are able to get what they are looking for in a home. Bathroom renovations go a log way in meeting these demands.

Modern bathrooms are elegant and spacious that offer amenities like massaging jets in tubs or large steam showers. Buyers view these upgrades as improvements that will help them in their daily lives. Renovations to the bathrooms add value to the home that may be absent in other homes for sale in the neighborhood.

When making bathroom renovations, stay within your limits. In other words don’t over renovate. Stay on par with other homes in the neighborhood. You won’t have to add size to make bathrooms more modern. If no homes in the neighborhood have whirlpool tubs then refinishing the existing tub, installing new fixtures and adding new shower doors may be all that is needed to impress a buyer. You can also make small bathrooms roomier by adding a pedestal sink instead of a bulky cabinet style sink.

To help plan your bathroom renovations, try visiting other homes for sale in the neighborhood to see what, if any, changes other homeowners have made. You can also visit showrooms at hardware stores to see what options are available in the market. You can also pick up a design magazine at your local news stand.

Stores like Home Depot or Lowe’s offer competitive prices daily along with display sales floor models that are sure to spike your creativity with design ideas. They stock many different name brands, so you’ll likely find what you need in stock. In the rare event that an item is not available, they can likely get it for you in a few days.

When renovating the bathroom, remember a clean professional job goes a long way. If you do the job yourself, take your time and do it right. Don’t take short-cuts. If you feel you can’t do the job, contact a handyman who can do the install professionally. The cost of the project will likely pale in comparison to the amount gained on the added value.

Remember keep it simple. Simple, elegant and clean lines does not mean the bathroom has to be bland and boring. Many small areas can be very inviting through the use of color on the walls or attractive modern tile work.

In Closing

It is vitally important that you create a plan and budget and stick to it. It is real easy to let emotion get in the way and you need to stay on top of the project to make sure things go smoothly.

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Advantages Of Renting Out Your Home

Some people try their hand at selling a home, while others make the smarter choice of renting their home. There are so many advantages to renting out a home, that it’d only makes sense that so many people are doing it. The market is full of those in search of a rental property since they can’t afford to buy a home or don’t have the necessary credit for it in this difficult economy. Finding a tenant who can occupy your home while you are away can help with so many things for a homeowner.

The main thing is that you are having someone pay off your mortgage for you. This is a huge plus if this is something that you are worried about. Times like these are hard with this economy and you might have started worrying if you were going to lose your house and have it foreclosed. This might have happened if you decided to try to sell your home. People are just simply not buying right now because of the slumping economy. In order for you to keep your house, you can rent it out to a tenant who can afford to pay the mortgage each month.

KeyRenter a Utah property management company puts homes for rent in Utah on their website when homeowners come to them for help. They help market the rental property on the web and other places and can management the property and leasing for the duration of when a tenant is occupied in the home. You can find a tenant for your place and make sure they are of high quality who will keep your place undamaged.

You might have been depending on the profit you would have made on the house if you sold it and think you need it in order to move out and survive. But this isn’t something that needs to be depended upon. If you live in a house, you might want to evaluate the way you’ve been living. Can you downsize? Maybe you owned a 4-bedroom home for rent in Utah and now renting it out for $1500 (a usual number for homes for rent in Utah with this many bedrooms depending on location).

But if you’ve found someone who’s willing to live there and pay that amount, you could move to a 3-bedroom house that might be in a cheaper part of the town that costs only $900. This saves you $600 each month and you’re still able to live quite well, just not as extravagant. The rental income you receive can cover the mortgage, insurance, and taxes. There’s really no better way to handle your house.

Another positive of renting is that you still own the property as it appreciates over time. As the housing marketing improves and your rental contract with the tenant ends, you can try selling your house with a higher chance of it actually selling. There can also be some tax breaks that might offset the rental income tax that you accrued. It’s a great idea right now to rent out your home with a Utah property management. KeyRenter can quickly process applicants for you and get them swiftly moved into your home in no time.

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