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Home Warranties Traditionally, home warranties have protected homeowners from repair costs that aren’t covered by home insurance, especially the inner workings of a home–plumbing, heating, air conditioning, and major appliances. Home warranties are often crucial in real estate transactions because they help home buyers as well as sellers rest more easily, safe in the knowledge that an unforeseen problem with a furnace won’t spark a financial conflict, postpone a real estate closing, or blow a deal altogether.

While home warranties aren’t necessary for every current homeowner, those who benefit most are those trying to buy or sell homes.

When you buy a home, you assume the burden of maintaining a variety of systems and appliances. Sellers are required to disclose known problems, but can’t be blamed for passing along a washing machine or an oven that fails six months after the sale. That’s when a home warranty goes to work.

The National Board of Realtors describes home warranties as service contracts, typically lasting one year, that cover the repair or replacement of major home systems and appliances that break down due to normal wear and tear. Home warranties don’t overlap or replace the homeowner’s insurance policy, says Alan Pyles, president of HMS Home Warranty. “They work hand-in-glove,” he explains. “The warranty covers mechanical breakdowns, while insurance typically repairs the related damage. Think of it as a cause/effect relationship: If a pipe burst and destroyed a wall in your home, we’d repair the pipe that burst; your insurance would fix the wall.”

Similarly, if your refrigerator were to stop working while you were on vacation, there could be spoilage, leakage, or floor damage. Your homeowners insurance might pay for the damage to the linoleum, while the home warranty would cover the mechanical breakdown of the refregerator.

Generally, home warranties cover malfunctions of major appliances such as washers, dryers, ovens, refrigerators, as well as ductwork, plumbing, electrical, heating, and air-conditioning systems. In some cases, or for additional fees, the warranty might extend to garbage disposals, doorbells, paddle fans, garage-door openers, water softeners, trash-compactors, and built-in microwaves.

The age of the home doesn’t matter as far as coverage is concerned, as long the covered items are in good working order at the start of the contract, explains John Yacono, vice president of national accounts for American Home Shield, the nation’s oldest and largest provider of home warranty contracts.

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M & M Resources Unlimited, Inc.

Helping customers since 1986

www.mmresourcesunlimited.com

1577 Ridge Road West, Suite 119 – Rochester, NY 14615 Office: (585) 865-0950 Fax: (585) 865-3202 Toll Free: 1-800-937-2350

Licensed Mortgage Banker/NYS Banking Department

Malignant mesothelioma is a scarce cancer of the tissue that lines the body’s interior organs. Nearly 2,000 new cases are diagnosed every year in the whole US. From these, nearly three out of four of occurrences affect the sac around the lungs, referred to as the pleura. Also known as pleural mesothelioma. In about 10 to twenty percent of occurrences, mesothelioma cancer could concern the tissue that encloses abdominal organs, referred to as the peritoneal membrane, generating what is then acknowledged as peritoneal mesothelioma.

Introduction to asbestos is absolutely the primary influencing factor for this rare cancer. Following exposure to asbestos, the delay to progression of the mesothelioma disease could be 20 to 40 years. Because of work related introduction, malignant mesothelioma is about 3 times more common in men, than in women. Because the number of occurrences goes up with age, there are around ten times more cases in the males more than age 64 than in the men in their 30s.

Having Malignant mesothelioma is a grave disease, that, at the current time, has a incredibly bad percentage of overall continuance. However, if it is recognized early, treatments are then obtainable that can significantly lengthen the patient’s life. All new approaches continue to be and are being tested through clinical trials.

I have done so many appraisals where I saw obvious damage that was not reported by the other inspectors. The first couple of times I thought it was just carelessness. I came to realize it was the same agents who had found what I call pocket contractors or repeat business. Most buyers are not aware of this problem but believe me it is a big one.

I remember one very nice fairly new house and I saw what appeared to be moisture damage as soon as I pulled up to the curb. It was on the first and second floor window frames. Also there was a paladium window that leaked on the second floor of the foyer. When I got done with the appraisal, I made the report “subject to” the specific itemized repairs and termite and moisture inspection. The loan processor immediately called me and said they had a clear letter from the termite and moisture inspection and nothing was mentioned in the home inspection with regards to those problems. I didn’t change anything. A few days later the mortgage company called and said the repairs had been completed and to do a final inspection. I returned to the house. The first thing I noticed was the second floor fascia and sills looked exactly the same. Everything had been done on the first floor. We got the huge heavy ladder out which infuriated me, as I don’t like heights and that someone would try to fool me by doing the obvious, clearly visible repairs.

I climbed up the ladder and stuck my pencil in the wood, it sunk right in like a chop stick in pudding. Then a big hunk came off. I called the mortgage company and rejected the repairs. I was called again and they weren’t complete. The repairman was supposed to finish in the afternoon and the loan was to close the following morning. The new owner was a doctor at VA and didn’t have any flexability in her schedule. The carpenter apologized to me that the agent had not told him about that or he would have done it.

I didn’t tell him that I knew the agent and deceipt was her profession. He ran out of the right sized wood so I suggested that he improvise by putting a piece of trim at the top front with caulk just to prevent element exposure. I was there until 8:30 p.m. before it was complete and I could approve it. The agent is still practicing and I am sure using the same inspectors. How sad. P.S You know who you are Ann.

Suzie is a licensed real estate broker and certified residential appraiser with twenty years of experience. Other professionals in the field have contributed as well. They are brokers, agents, appraisers and educators. http://www.freewebs.com/realestatenews

The art of using high-leveraged activities.

Here I would like to make just a few suggestions that will hopefully save you from wasting years of hard effort only to learn in the end that had you invested using a better strategy, you would have realized more profit, happiness, satisfaction, control and free time as a result.

I’m not going to make you wait to find out the secret, so here is the crux of this technique. FIND’EM, DON’T FIX’EM! It sounds easy, doesn’t it? Please continue reading to get the full flavor of this topic. There are a few steps to follow if you are to succeed in using this method and you will really need to understand before you go and do it. I need to stop here and take into consideration the new investor who doesn’t have a war chest of greenbacks to get started with.

If you’re just beginning or starting out with a small amount of capital then you will most likely have to find’em and fix’em on the first one or two properties. By finding them and fixing them, then selling on your own, you will limit the amount of initial expense that you incur. Naturally you will keep more of the profit as a result. The trouble with this technique is that you eat up valuable time that could be more profitably spent on finding more great deals!

Here is what I am saying. If you spend your day painting a property, how much have you saved or earned? Let’s say a painter at $30 an hour multiplied by eight hours equals $240 dollars a day. You, in effect, have given yourself a new job that pays $30 dollars an hour. Instead of painting, let’s say you hire the painter so that you can go hunt down another bargain property with a $20,000 margin of profit. Let’s also assume that it takes 100 hours of effort to find, fix and sell this property; $20,000 divided by 100 hours equals a $200-per-hour rate of pay. Don’t do $30 when you can do $200!

By doing the first property using your own time and labor, you may get most of that $20,000 dollar profit when you sell, but it will generally take you an average of three months to do it, or 480 hours. That boils down to $41.66 an hour and you can’t look for more great deals. What this will do is give you the capital to pay someone else to do the labor on the next one. Once you have your nest egg you can begin to pay up to $5,000 for the labor to include materials. Now you let the lower wage scales do the dirty work of cleaning, repairing, painting and installing new fixtures and you no longer spend your more valuable time doing the low paying labor jobs, so now you can quite feasibly make $20,000 and spend $5,000 to do it. This leaves you with $15,000 profit divided by 100 hours, which equals $150 an hour or five times the pay of the painter! Don’t be a laborer if you don’t have to be.

I hope you see how it pays to find them rather than fix them. Granted your going to have to learn this higher skill of finding and evaluating good deals, however, throughout “Magic Bullets” I’ve given you at least 150 ways to find those deals, such as from bandit signs, newspaper ads, bird dogs, professional search services and so forth. You have the ammunition to launch a campaign that will yield plenty of these deals.

Once you find what appears to be a motivated, distressed or disinterested seller, your next skill set will be to evaluate the property to insure that a profit will result if you do proceed. Here again, you’re focusing on plumbing, electrical, foundation, structure, roof and location, as the rest will generally be cosmetic repairs that can be done quickly and inexpensively in an effort to realize the true value without going broke!

Once you have some accurate figures concerning a probable sales price, the cost of materials, labor, marketing time and transfer costs you can project your profit. Will it yield $20,000 or more in 90 days? It should! If not, then you may consider passing on the deal and continue the hunt for another property that does satisfy your strategic objectives. Side note here: Often when you walk away from deals like this, they end up coming back to you later when the sellers can’t sell. You’ll have an opportunity to lower your offer to an amount that will satisfy your objectives and it will usually be accepted at that time.

Let’s assume that you have found and evaluated the property. Now you will need to negotiate the sales contract and buy this property for the lowest possible price. By having your own offer sheets, sales contracts and financing in place, you can move swiftly to acquire these moneymaking assets. As there are so many creative ways to finance real estate, I’ll only touch on a few here: owner financing, subject to existing loan, leases w/ option to buy, H.U.D. 203k rehab loans, conventional bank loans, assumptions, all cash, etc. You will see what type of financing can be used as the deals begin to take shape. Just be prepared to use the method that will work when you make your offer. Hint: It helps to be pre-qualified and if possible to have equity lines available to tap into if necessary.

Now that you have found, evaluated and acquired the property, you will have to affect the repairs. I did not say you would have to do the repairs yourself, remember? Here is where you play Mr. or Ms. General Contractor; by hiring licensed and bonded professionals who come highly recommended you begin to pass off the labor issues back to the lower earning wage scales so that you can get back to finding more good deals.
Note: One trick to getting good workers and companies is to ask appraisers who they would recommend for certain jobs if they needed work done. Appraisers know a lot about value, folks! They seldom steer you wrong so build your network through their referrals.

Another way to save money is to begin getting familiar with local suppliers of all types of construction materials. I’m not talking truss members and cinder blocks but you will have to create your repair list often, otherwise known as a punch list. You can create this list of items that you will need to fix or replace in a few short hours. By using your notes from your initial evaluation, you’ll be half way home. These items may include tile, vinyl, carpet or wood for floors, toilets, faucets, sinks, tubs, vanity cabinets, mirrors, towel bars, light switches, electrical receptacles, light kits, ceiling fans, knobs, handles, locksets and paint to make the property look and smell new again. Now you can spend another eight hours shopping for and scheduling the dates of delivery and installation for the larger items but that is where your labor ends and you revert back to the supervisory role of periodic inspections to insure the laborers and contractors are getting the job done on schedule.

Up to this point we have done four things: We have found, evaluated, acquired and are repairing. With these steps behind you, the next step will be to start the marketing efforts to find a buyer for this beauty. By pricing it right and advertising it for sale to the entire market of potential buyers, the word will get out. You can help that word get around by using newspapers, yard signs, corner signs, word of mouth, flyers, fact sheets, neighbor alerts, network partners and a host of other avenues of approach that can almost guarantee you a steady stream of buyers when the time to sell is near.

So you have found, evaluated, acquired, repaired and marketed the property. Now the final step is to get the sales contract signed and a closing date scheduled. This should all be accomplished in about 90 days and you will have cleared no less than $15,000 as a result. Your results may vary – it could be lower, and quite possibly could be higher depending on how good you are! I’m giving you the overview here. You will be doing many tasks along the way that are not being explained in depth here.

You will have capital gains taxes. However, when you keep every receipt and use a C.P.A. to do your taxes, the process will be fairly painless. This work will pay very well regardless of that fact. By having two or three of these rehabs going on at any one time and having just one closing a month, you should be making over $100,000 a year, after Uncle Sam gets his.

Many highly trained or experienced investors never even touch the property. They simply find great deals, handle some paperwork and sell it for less than they could get if they spent more time on it. These people are leveraging their time and techniques to squeeze out the maximum profit in the shortest possible time with the least amount of effort. I don’t condone being a paper pusher and taking advantage of other people’s ignorance or misfortunes by doing paper trades. I personally have a hard time finding value in deeds done by using such methods. This is why I have given you a value-driven road map to follow in this brief report. I sincerely hope that you will create value for those that depend on you to deliver in an honest and caring professional manner. Happy hunting!

Dan Auito is a dual-licensed real estate agent and appraisal assistant. Founder of a non-profit drug prevention corporation, a real estate consulting group and is the author of “Magic Bullets Real Estate.” This 300-page power-packed book (due out in late Sept 2004) comes with a website that further supports its readers.

Dan may be reached at magicbullets@alaska.com or by visiting http://www.magicbullets.com Call 1 907 481-6300 or write 1619 Three Sisters Way Kodiak AK 99615

This quick course in creativity is designed to give you a platform to stand on as we look at the various ways you can handle home, social and workplace situations, job-search details and career-path decisions.
Let’s examine what creativity might look like.

Here are some of the ways in which creativity expresses itself.
Perhaps the creative idea is one that mixes and matches items or ideas that haven’t been combined in just this way before. A wonderful example of this comes from Anita Roddick, who founded the Body Shop, a chain of personal care products and stores. She combined the need to help underdeveloped countries earn income with the need to avoid destroying their resources and environment. She built her business by using natural products produced by these countries.

Or, perhaps the same item could be used in a different way. Which came first, the ballpoint pen or roll-on deodorant? Both use the same idea — a rolling ball that applies liquid to a surface.

Perhaps you can take a new approach that works. This was the case, for instance, with Arm & Hammer Baking Soda when it was discovered that putting an open box into the refrigerator would soak up odors.

Finally, you might use your creative powers to develop special mastery in areas that can contribute to workplace effectiveness. For example, you might try opening yourself to new ways of experiencing life, increasing flexibility and open-mindedness. There are lots of ways in which creativity can be fostered to produce really great outcomes. And all it takes is practice. We all have the abilities…what we need to develop are the skills, the methods, the focus.

OK, now it’s time to examine the process of creativity itself. There are five steps involved.

First, there’s PREPARATION. By this I mean that all knowledge contributes to creativity. No matter what you read or see or hear, it might become a part of a brilliant, new idea. Truly creative people are always hungry for new knowledge and information, even on seemingly unrelated subjects.

The second step is INCUBATION. When a situation or project needs a shot of creativity, the real job is to get to know every intimate detail of the subject at hand, then to put it all into the very back of your brain and let it “stew.” It’s sort of like making bread. You mix all the ingredients, then you put them into the pan and let the dough “rise.” The important thing here is that there’s no way to force the process. You’ve got to let go and let it happen.

The third stage of creativity is ENLIGHTENMENT. This could also be called INSIGHT. It’s the moment at which the unconscious and the subconscious minds, having finished working on the problem, present an “AHA!” A “EUREKA.” An “I’VE GOT IT!” We’ve all had this happen. Sometimes it comes in a dream; sometimes it’s as simple as suddenly remembering where we left our keys or glasses. But it’s a critical part of the process, and those who forego it are taking a sort of foolish risk — the risk that creativity won’t present itself.

Next, there’s an EVALUATION of what’s come up. It’s not always the right answer, even though it may be excitingly creative. At this stage, we match imagination to reality and make some decisions about practicality. There’s room for imagination and creativity here, though. The question, “Why not?” is vital at this time and at this stage. Consider this to be the moment at which the real risking in life begins.

And finally, the risk goes on as you begin the IMPLEMENTATION of the ideas your creativity produced. And the cycle can begin again right here with new information, new incubation, new insights, new evaluations and further implemented outcomes.

Now let’s look at the ten keys to creativity.

The first step is to stimulate yourself to get the process started. One way to do this is to look back at all the creative things you’ve done. Every one of us has had really good creative ideas that have produced wonderful outcomes, and remembering those things often puts the wheels in motion. Then…

1. Write a list of creative achievements – and add to it as new memories surface. This can be a valuable tool that can be used time after time when creativity is what you’re focussing on. I have such a list, and it grows, usually, by about one item a month.

2. “Can the Can’t!” This is just a short and sweet way to say, “Get out of any negative place you’re in.” If you believe you can’t do something, you probably can’t. And it’s not that you don’t have the intelligence, the drive, the resources, or even the track record. It’s that you BELIEVE you can’t. Your mind is a neutral place. It listens to what you tell it and acts on that information without regard to whether or not it’s good for you. So keep yourself aimed in a positive direction.

3. Be willing to bend. I always feel a little subversive when I talk about this key. Why? Because you need to read a couple of extra words into this phrase…the words are: “the rules.” You see, I’m not talking about bending to someone else’s will or adopting someone else’s ideas. I’m talking about bending your rules! This means, pay attention to whether your mind is locked in to a pattern of behaving a certain way because you’ve been told that this is the way it’s done. You see, I was always told that the rules are the rules because they work. What they didn’t tell me was that sooner or later, things change. What used to work just fine may not work any more. As soon as that becomes clear, creativity has an opening. What’s more, the old saying “If it works, don’t fix it” can be a real cop-out. Maybe — just maybe — it could work a little better if it were creatively changed. Now, I don’t believe the other extreme — “If it works, break it” – I don’t accept that as an option. But I do think that almost any rule can be re-written to work better so as to fit a changing, dynamic environment, and that’s a real creative challenge. So question the rules. See if a different approach, a different method, or a different attitude might yield a different – and better – outcome.

4. De-stress. Creativity and stress just don’t fit together. You can’t expect your mind to work well when your body is stressed, because they’re both part of the same system — the system called YOU. So take care of stress. Spend time relaxing, meditating, even daydreaming. This simple process can often be a direct route to creative insight. And, since stress is often a consequence of fear, there’s a natural “fear” consequence when approaching creativity because the creative process usually takes you outside of your comfort zone. You need to be willing to…

5. Take chances. Move outside of that comfort zone – perhaps in small steps – and be willing to fail or to make a mistake; that is, to have no outcome at all, or an unsatisfactory outcome. That’s all part of the creative process. And here I’d like to add that most successful people failed many times on the way to their success. The minute you become willing to fail, you become capable of real success.

6. See mistakes as lessons, not failures. This is particularly interesting, because it’s a creative act in itself to break out of the notion that a mistake isn’t a failure. I think that our system of schooling builds this into us from a young age. Getting it “RIGHT” is very important…our grades depend on it. So, getting it “WRONG” is the same as “BEING BAD.” Get off it. Look at mistakes as object lessons about what doesn’t work. Forget about right and wrong.

7. Ask the right questions. We all seem to have a pat set of questions about life. “Why?” seems to be a leader. But you know, it may not make any difference “why” something is, or happens. The right question might be, “What REALLY happened?” And the WAY we ask questions – the languaging – is important. In other words, it’s also important to ask questions in the right way. In fact, when you’re tempted to ask “why,” here’s a possibly valuable substitute question. “What is it about ______ that ________. For instance, instead of asking, “Why did you move to Los Angeles?,” ask, “What is it about Los Angeles that made you choose to move there?” When you ask someone “Why?,” that person sometimes may feel challenged, or negative. “Why did you move to Los Angeles?” might be perceived as questioning the wisdom of the decision. But if you ask, “What is it about Los Angeles that made you choose to move there?” there’s no threat…no negativity. And when you ask this kind of question of yourself – “What is it about this idea that appeals to me?” – you’ll find yourself opening up channels that wouldn’t be available to you by wrestling with a “why” approach.

8. Ask your opposite. What I mean by this is, try a “contrarian approach” to whatever it is you’re working on. If it’s a business problem, seek out a vendor, a competitor or a customer to interview. You’ll get specific perspectives and information you’d never come up with yourself. It’s a way of playing devil’s advocate that is much more reliable and comprehensive than trying to do it yourself.

9. Study something new each year. The most creative people I know are folks who seem to have an unquenchable need for new knowledge. And they also seem to study a lot of different things. What they tell me is that by learning about unfamiliar subjects they learn new ways of thinking and relating and associating. This gives them broader platforms for decision making. And here’s the final key

10. Identify the real problem. Many people ask me, “Why wasn’t this the first key?” Are you thinking this, too? Well, observe what the key says…what’s the REAL problem. After you’ve mulled over whatever is challenging you, be prepared to re-evaluate the first premise of what you’re working on. Only after you’ve done all the creative work can you begin to see clearly where you’re headed, and that’s the time to ask yourself whether you’re actually working on the right problem. One of the world’s major creative failures, I think, is that too many people fail to take that last, long look, to question the work already done, and to be willing to start over or keep on going, but this time in a new direction.
Well, there it is, a short course in creativity – five steps, ten keys. It didn’t take long to outline, but it may take you a long time to master it. So please…start now.

Copyright 2002, 2005 Optimum Performance Associates/Paul McNeese.
Paul McNeese is CEO of Optimum Performance Associates, a consulting firm specializing in transitional and transformational change for individuals and institutions through publication. His publishing company, OPA Publishing, is an advocacy for self-publishing authors of informational, instructional, inspirational and insightful nonfiction.
Email: pmcneese@opapublishing.com
Websites: http://www.opapublishing.com and http://www.opapresents.com

If you are a newcomer in the land of the WWW or World Wide Web, you definitely must be wondering about many aspects of the functioning of the web and what are the best possible ways to project your website or domain on the Internet. The best bet for starters, of course, if ‘free web hosting’.

Free web hosting is good, if you are new and want to learn the ropes first hand. It is definitely not a good idea if you are starting a dot.com business. So, what do you get with a free web hosting provider?

First of all you will get a web space on the net FREE OF COST. This is quite a big plus point. Another plus point is that it will provide you with a free email account in most cases. The downside would be that you will not have the permission to have your domain name. You cannot get any technical support for your database, nor can you accept advertisements.

Hence, if you are hosting your web just to post out a few ideas, a hobby broadcast site, or similar things, and then definitely you can choose a free web-hosting provider. Free web hosting is good for those with low traffic. For example you may like to have your website so your friends and family can access and exchange ideas with you. Or just plain curious to see how things work out when you are out there, posting on the Internet.

It is definitely not advisable for a person who wants to run or launch a business on the net, however rosy the free web-hosting provider would paint it. No free web-hosting provider will offer you free traffic transfer space and hence your business will be doomed, or you will end up with huge traffic transfer charges. So also, you would loose out in terms of visitors if and when the server is not up to the mark and has an uptime less than 95%. Poor technical support would be another major obstacle if you have heavy traffic to your website, as any interruption would frustrate your visitors chasing them away from your website.

Besides, the point that would decide anyone who runs a web-based business NOT to choose a free web hosting, is that the company would look cheap and amateurish. The host of your free website will impose advertisements on your website, which you may not like. There are a lot of downside points. A few are enumerated below:

•No tech support
•No guarantee on server uptime
•No free traffic transfer space
•No access to cgi and/or perl script
•No advertisement for money can be hosted on your free website
•No sub-directories
•No secure server for credit card payments
•Very low SEO visibility as search engines bypass free sites often

Having gone through the above, I still reiterate that for beginners who want to see what it looks like to be on the web, for those who want to share things with family and friends, and for hobby purposes, free web hosting is a good option. For any other reason, by all means go for a professional web hosting service.

Michael S. Lee is the webmaster of www.CompareWebHostings.com, A guide on hosting web sites such as what to choose, how to choose and where to buy.

Machine-accessible sports gambling web sites are by and large governed via 3 administrations. They are the OSGA (the Offshore Gaming Association), the IGC (Interactive Gaming Council) and finally the Fidelity Trust Gaming Association FTGA.

The OSGA is in fact an independent institute which currently regulates the current overseas sports betting business, they endeavor to offer sports gaming fans the capacity to easily determine respectable sites to play games with. The authority labors to maintain client’s rights, also they do not impose any association dues. The Offshore Gaming Association is a well-qualified not to mention nonpartisan third party agency who reveal non-biased conclusions, based around your evaluations, unprejudiced studies, telephone calls, prompts and also delivers industry information.

The Interactive Gaming Council is a non-profit-making organization. The council has been established to allow a platform for involved people to address the latest subjects moreover to encourage progress in the field of collective concerns in the world-wide online gambling profession, in an effort to establish sincere not to mention competent industry guidelines and patterns that aim to improve customer trust in internet based gaming commodities and utilities, and to be of help as the sports betting trade’s global practise advisor and in addition it provides an info depot.

The IGC have made a distinction for advancing safety, integrity and also sincerity by reason of its rigid principles, and its allure to credible business enterprises. The IGC regularises overseas gambling through utilizing an original ten step running process and in addition bills gambling internet sites license fees to display the council’s logo. Discontented gamers can, if they need to, mention any of their misunderstandings to the Interactive Gaming Council.

online sports bet

The FTGA has been set up in an attempt to create a standard to improve the procedures of networked sports gaming trading operations. The council proposerealize that doing business with reputable internet sites, they are able to establish a coalition of the most trustworthy and most proficient online betting companies globally. Thus, these are establishments who try to control the practises exercised by online gambling and which should with luck serve to relieve most of the fears held by cynics. Online betting web sites are completely harmless, beacuse personal details shouldn’t be necessary and also the rewards and the odds should be equivalent to a traditional Vegas-style stake. These websites diminish traveling time, but nonetheless maintain of a Nevada gambling casino, however today you are in a position to wager at your own pace.

From its core definition, Dyslexia means reading problems. Diagnostically, dyslexia translates to say that a child or adult who displays general intelligence, and that has had access to educational, still have labored reading.

It definitely doesn't mean a person is slow or dumb, just the opposite! By consensus definition, Dyslexia exists exclusively in intelligent humans and especially in creative spirits. No matter how people with dyslexia may be, they have a hard time reading as children and even adults .

The diagnosis of dyslexia almost always begins with realization by care-givers or tutors that a reading difficulty exists. A doctor is occasionally the first-line diagnostician to analyze the reality of the difficulty. The pediatrician should investigate the source of the reading problem by conducting a standard medical work-up and interviewing a thorough health history. If necessary, the patient may be specialized neurological evaluation. When dyslexia is suspected to be the case, the practitioner should forward the student for treatment by a speech-language pathologist or further assessment with a specialized tester in learning disabilities.

Even though there is good dyslexia help in major metropolitan areas, exercise caution. Uneducated people are promoting misconceptions. Some quack devices are out there as dyslexia cures such as multi colored reading filters, or special dyslexia glasses. If dyslexia tools like these address any disability or problem, it is surely not dyslexia, and could be nothing more than quack science.

Over time, communication in a marriage can become blocked and unsatisfactory. Stress, work, children, and a constant time crunch can limit the time and energy you and your spouse have available to focus on maintaining good communication.

Throw in any other factors such as aging parents, depression, illness, or financial troubles and the challenge of maintaining healthy communication becomes even more difficult.

Of course, it’s important to be creative and look for more ways to cut back where you can and schedule more time in your marriage for communication. Ideally, you want to have some time each day when you and your spouse can touch base and share with each other.

If that’s not possible, then you certainly want to make it a top priority each week to find a time for relaxed, emotionally intimate conversation. Without good communication, you and your spouse are in danger of losing your heart connection.

As your time to talk, share, and communicate from the heart with your partner is negatively impacted by life events, it’s crucial that communication blocks be kept to a minimum. You need to get the most from the limited time that you do have.

The following list gives you guaranteed road blocks to healthy, satisfying communication in your marriage:

1. Rolling your eyes while your spouse is talking

This behavior isn’t funny when kids do it, and it’s certainly not going to get you any good will brownie points with your mate. It denotes disrespect for your partner and discounts the importance of what he (or she) is saying.

Solution: Try to understand the true meaning behind your spouse’s words. Make an effort to understand if there’s an angle or an aspect of your spouse’s position that you can agree with.

2. Responding, “Do we have to talk about that again?”

This response, designed to avoid an unwanted conversation, may accomplish your short-range goal of getting out of talking at the moment. But whatever issue is unsettled won’t disappear. It will just go underground until it surfaces later in a bigger, more harmful way.

Solution: It’s always better to resolve issues early before they grow in size. It’s like weeding a garden. Weeding early and often keeps your relationship garden in good shape.

3. Yawning and looking bored

This behavior denotes a lack of respect for your spouse and her (or his) feelings. It may come back to haunt you in the bedroom where passion is kept alive by satisfying emotional intimacy (which is dependent on good communication).

Solution: Showing respect for your spouse’s concerns wins good will credit for you. Pay attention and you’ll be rewarded later. What goes around comes around.

4. Repeatedly looking at your watch

Do you really want your spouse to think that it’s not important to you to take time for his (or her) concerns? If you really don’t have time right then, tell your spouse that you are feeling distracted currently because you don’t have much time. Then set another time to talk as soon as possible.

Solution: Your goal is to continuously win the goodwill of your partner. One way to do that is to invest time into the relationship.

5. Continuing to watch television or play a computer game

This is another way to communicate disrespect and lack of concern for your spouse. At the end of your life, do you really think you’ll look back and wish you’d watched more TV or played more computer games? Not likely. But it is very likely that you’ll wish you had put more time and effort into your marriage.

Solution: Schedule time to talk with your spouse when there are no distractions. It’s all about knowing what your priorities are and consciously deciding that your marriage is worth the effort.

6. Replying “Nothing” when asked what’s on your mind

This is a cop-out that leaves your partner stone-walled. Communication is a two-way street and is an indicator of the health and well-being of the marriage. If you opt-out, you automatically lose.

Solution: Meaningful talk requires honesty and vulnerability, which in turn require courage. That’s a tall order, but it’s the only way to create deep emotional intimacy.

7. Refusing to interact when your spouse is trying to talk to you

This can be a control issue that lets your spouse know that no one’s going to make you talk when you don’t want to. You may keep the control but lose your marriage one day.

Solution: Marital success requires humility. It means that it’s more important to you to be happy than to be in control all the time.

8. Changing the subject abruptly

This tactic is designed to block the other person in his or her efforts to share. It denotes a lack of respect and consideration for your mate’s feelings and is just plain rude.

Solution: Remembering to have good manners with your spouse goes a long way in maintaining marital harmony. Try to respect your mate, even when you disagree.

9. Turning and walking away while your spouse is talking

Ditto number eight above. It’s like thumbing your nose at your spouse. You may win right now, but I’m betting that you’ll lose in some other important ways in your relationship.

Solution: Sometimes walking away can be a defense reaction. It is based on fear – fear of confrontation, fear of rejection, fear of anger, or some other variation. Instead, face your fear. That is the definition of courage.

10. Coming up with perpetual excuses to postpone the conversation

This behavior often reflects a basic approach to lifetrying to avoid direct confrontation and escape what is perceived as an unpleasant situation. It’s the opposite of creative problem-solving to improve a relationship. Your wake-up call may not come until your spouse is headed out the door one day. Is that what you really want?

Solution: Think of the big picture. What kind of marriage do you want and how are you going to achieve it? What will happen if you don’t think about it? Be honest with yourself and take responsibility for your part of the marriage.

Nancy J. Wasson, Ph.D., is co-author of Keep Your Marriage: What to Do When Your Spouse Says “I don’t love you anymore!” This is available at http://www.KeepYourMarriage.com , where you can sign up for a free weekly marriage advice newsletter. Dr. Wasson offers telephone and email coaching to spouses who want to overcome marriage problems and create a rewarding, loving marriage.

In rural home purchases, the transaction is often subject to a satisfactory home inspection being done. Any imperfections are usually corrected during escrow. Now and then, however, a home inspection uncovers severe structural problems. What happens then?

Structural Problems – Small Rural Home

With a small rural home purchase, the discovery of structural problems can be more problematic. Typically, neither the seller nor buyer has sufficient funds to undertake major repairs. Still, solutions such as the following one can be found.

The house was a 3 bedroom, one bath, rambler built on a crawl space set on a one-acre lot in a rural setting. The sellers were a husband and wife both of who were disabled. I’m not talking about a “slipped on a banana peel” trumped up disability here. The husband had been electrocuted at work, spent 14 days unconscious and suffered a massive heart attack. The wife suffered from a progressive problem with arthritis. The buyer was a young widow with 3 children.

The home inspection turned up old termite and water damage. The termites had been killed and the drainage problem fixed, but the sill plates and floor joists were seriously damaged. The floors were somewhat soft and sagged in various areas. The young widow could not afford and did not want to deal with the problem. She asked to be released from the contract.

To complicate matters, the husband’s former employer had declared bankruptcy and had not paid his medical bills. The husband was borrowing money to pay the bills, but the medical bills were still growing. The sellers discussed the situation. They understood the buyer’s point of view, but did not know how to fix the problem. Their mortgage lender declined to make a second loan and the sellers didn’t have any savings left.

A business friend suggested the sellers ask a young builder friend to evaluate the structural damage. The goal was to get a ballpark idea of the cost to repair before throwing in the towel. It turned out that the builder couldn’t remedy the problem because the house needed to be raised to give room for new sill plates and floor joists. The builder suggested a house-moving firm make suggestions.

The business friend also gave the sellers the name of a lender who had been useful to people in uncomfortable circumstances. The sellers contacted the lender and were able to get the necessary loan. The house moving firm and builder worked out a reasonable deal and the loan was used to get the necessary work done. The deal closed, the sellers paid off the loan, paid down bills and the buyer was happy.

The moral of the story? No matter what happens, don’t get angry, don’t lose your cool and don’t give up. If you can keep your head, behave like a reasonable adult, and keep communication lines open, your chances of holding your deal together are amazingly good.

Raynor James is with www.fsboamerica.org – providing homes for sale by owner, “FSBO”, properties. Are you thinking, “Should I sell my home?” Visit www.fsboamerica.org/seller.cfm to sell your home sale for free for one month.