10 tips for investing in distressed or foreclosed properties

1. Search on the world wide web for distressed or foreclosed properties as a starting point. Use a professional REALTOR to identify great foreclosure deals for you. You may be successful at searching the web on your own, but keep in mind some of the information is outdated, some may be incorrect, and some of the available properties are not even listed. A REALTOR subscribes to updated MLS listings and can offer you the most current information available. 2. If you search yourself for distressed properties and purchase from the selling agent, you are paying a commission to someone with a vested interest. Obtain objectivity in the sale by working with your own REALTOR. You won’t pay any more. Technically, everyone works for the seller, since they pay the commission. 3. With distressed or foreclosed properties, time is of the essence. Purchasers must close on the date specified by the agency, and cannot close after this without penalties of $25-200 per day. 4. It takes 1-3 weeks to qualify a loan. If you are approved for a loan, make sure you are qualified by your lender as soon as possible. If you are paying by cash, make certain funds are available. If finances are in order, the REALTOR will then submit an offer. When the offer is accepted by both seller and buyer, the REALTOR will submit the ratified contract to the lender and closing agent. These steps will begin the process of a successful real estate transaction. 5. When purchasing a distressed property, always obtain 3-4 bids from different contractors to estimate costs of repairs, if you do not plan on doing the work yourself. 6. If you are going to sell the property after rehabilitating it, ask your REALTOR to research similar properties in the neighborhood to ascertain market price. 7. Keep copious records for tax deductions. Any expenses related to the purchase, repair, or maintenance of the property may qualify. Meticulous records are key to a profitable real estate venture. 8. The title you receive after purchasing a distressed or foreclosed property is a special warranty deed rather than a general warranty deed. Some buyers are alarmed by this, but there is no need to worry. The purchase of title insurance protects the buyer. Each lender purchases insurance to protect the loan as well. Titling insurance should be obtained by the property purchaser. It is always offered by the closing agent. Consider using an attorney instead of a titling company as your closing agent. An attorney is only $50-75 more than a titling company. A real estate attorney can remedy any situation that may arise. Therefore, they are more efficient representatives on time sensitive foreclosure properties. 9. Foreclosure properties require special addendums and special contracts by the individual bank and HUD office (where applicable). 10. Foreclosure properties are potentially the most profitable, but require the most attention to detail. A REALTOR experienced in foreclosure deals is highly desirable because the paperwork must be in order to submit a proper bid, and timeliness is critical.

Online 10 tips for investing in distressed or foreclosed properties

Are you addicted to selling

The definition of Motivation in Webster's Dictionary: Motive - the sense of need, desire and fear. Based upon this definition, some sources of motivation can be dysfunctional and that is why it can be so addictive. Do you want to be motivated by need, desire and fear or your values? Values are the only form of functional inspiration, versus motivation. Values are something that naturally pulls you forward without a lot of effort. Inspiration fulfills you from the inside out versus motivation tries to fulfill you from the outside in. It is impossible to be fulfilled from the outside in and this is why you can feel empty even though you appear to have reached a goal. Most people, without being aware of it, are motivated from the outside in. You hear it all the time, I’ll be happy when I; make more money, have more time, close that big case, have a bigger practice, get a new car, go on a holiday, etc … And your dysfunctional part of your ego mind says “is this all there is?” So let’s go way back in time … To that fateful day … come on, you remember that day when you were just waking up from that lucid sleep and you were thinking … what am I going to do today? And then bang! Then it hits you! Holy s**t! I quit my perfectly good job that my mother told me to keep and became an entrepreneur and started my own business! And you started the first day of the many days of the rest of your life waking up unemployed without a guaranteed pay check. You didn’t feel that safe did you? So without really knowing it, instead of going out and adding 100% value to your clients, your dysfunctional part of your ego mind worked at getting the need of safety met through your clients. You have to go out and sell! You have to pay your mortgage and God help you if you don’t. You ran after any prospect that could fog a mirror and as you approached each one your dysfunctional part of your ego mind was thinking “please buy my product!” Your dysfunctional part of your ego mind was thinking “I really need this sale because I really need to feel safe! Please save me! If I could get this one sale then I would feel good and feel worthy!” And you recreated this pattern time and time again trying to get the need of safety met through your work and again, outside of yourself. And to make matters worse, as soon as you reached a goal, which was linked to the need of safety which cannot be met from the outside, your dysfunctional part of your ego mind said “is this all there is”! And this continuing pattern of emotional highs and lows is what contributed to your probable adrenaline addiction also. Why are most Advisors Addicted to Selling? One reason is your dysfunctional part of your ego mind says “is this all there is?” And while you thought that money would bring you a certain level of fulfillment it didn’t and this is because money doesn’t bring fulfillment which can’t be met through outside motivation because it is dysfunctionally based to begin with and likely linked to the need of safety. Another reason is the need of safety which your dysfunctional part of your ego mind has been trying to meet from the outside in is still not met. And one is now addicted to the new need of adrenaline. So the pattern of “is this all there is” will repeat itself. While you are asking this question the motivation will go away and so will the money earning until the bank account goes down and you create another fateful day … And then bang! Then it hits you! Holy s**t! I quit my perfectly good job and I have to go out and sell! :-) And then your dysfunctional part of your ego mind thinks …“That’s OK, at least I’m motivated!” What is the answer? Inspire yourself through clarifying your values, behaviors, vision, purpose and mission for long lasting fulfillment which is based upon service to others. Then your dysfunctional part of your ego mind will not be saying: “Is this all there is?” And keeping you busy “SELLING” so that you don’t have time to; Create a new Vision for your business Delegate or Eliminate Unprofitable Activities, Clients & Products that you are struggling with to break free Switch to Wealthy Clients Reduce Your Profit Mix to The Most Profitable Carve Out a Niche Market or Two Attract and Hire a Crack Support Team Develop an Internet Niche Marketing System Switch From Free to Fee The Continuing Addiction to Selling will likely result in more of the following … Operating without a vision or business plan Fearing change Having to get pumped up to sell Working without the necessary staff Selling too many products Overselling Making too many promises that they fail to deliver on Doing too many favors Feeling unacknowledged for the work that they are doing Having conflict with management, staff and clients Keep hiring the wrong people Having poor customer service Failing to create strategic alliances Failing to ask for referrals Having no succession plan Some interesting statistics; “35% of Canadian Advisors are still operating without a written business plan.” - The Advisor’s Guide to Building Business Volume 3 Published by TD Mutual Funds. 33% of financial advisors are past the age of 60 23% of financial advisors have no succession plan for their business

Online Are you addicted to selling

Employers and managers five steps to greater employee profitability

If you do not know right now which of your employees is making money for you, how much they are costing you or whether you're operating profitably, this short article will provide vital information for you. Employees cost huge amounts of money and the stark reality is that unless every employee pays their way a lot of YOUR money could end-up down the drain!! But how do you know which employees are working profitably for you, especially if your employees are spread all over the country or even the world? Indeed some may be frittering away hours (your money) on wasteful activities. For all you know your money could be leaking away drop by costly drop, like water from a dripping tap. So here are five steps you can take very quickly to switch-off that dripping tap! Step 1: Monetise Calculate the true hourly cost of your employee per hour. You can work out a percentage to add to your employee hourly rate that will cover all the overhead. Examples include a share of office overheads, pension and health care payments, the cost of holidays and sickness (which are non-productive for you but still need to be paid for). Build a list of all costs and include them in the hourly rate. Step 2: Measure What can't be measured can't be improved. The second step is to get your employees to use a timesheet. A timesheet records the number of hours spent on activities. The employee usually has to enter hours into a table cell in a spreadsheet or software form each day. Activities are often grouped in a project. There are many excellent timesheet systems available. Step 3: Report The information entered by your employees is priceless to you if you are an employer, manager or business owner. It should be gathered together to form the basis of reports. What reports? How about a report that shows the total of hourly costs of every employee working on a project. The first time we did this we had a nasty surprise - costs had crept up dramatically on one of our projects! How about a report that shows exactly what activities an employee actually spends his time on. Many very revealing reports are available if the data is collected correctly. Step 4: Track The reports you have should give you information in daily, weekly, monthly and annual format. This gives you the chance to see if your costs are increasing or falling. Therefore you can see the results of any changes you make. Step 5: Confront This is a vital step: Show the employee the true cost his time and how much each activity he is involved with costs the company. Employees are often completely unaware how much they cost the company. Of course, this step has to be done carefully, unless you have a real problem to confront. It might be good to show a group of employees the average cost of an employee hour, so that no one individual employee thinks he is being singled-out for 'special treatment'. Summary Tracking employee activity in this way can truly be an enlightening experience. With the right information you can stop or reduce wasteful and costly activity and focus on activities that are literally profitable.

Online Employers and managers five steps to greater employee profitability

How to leverage your expertise with tips booklets

I first heard of tips sheets and tips booklets from the author of Making a Living Without a Job, Barbara Winter, http:// barbarawinter. com, a completely delightful writer and entrepreneur who aspires to have everyone create an inspired business. I then attended several teleclasses by the woman I consider to be the tips booklet queen, Paulette Ensign, http:// tipsbooklets. com, where I fully understood the idea of how a tips booklet could help you leverage your expertise. Ensign describes a tips booklet as a pamphlet-like publication that serves to educate a target audience with tips, techniques, or strategies. They typically have a fairly simple design and minimal graphics, usually measure 3 Ѕ" x 8 Ѕ", and typically contain 16 to 24 pages. If you've been thinking of writing a book, and feel that project to be overwhelming, a tips booklet can be the vehicle to become a published expert, instead.

The publication of a tips booklet will help you promote your product or service, distribute value-added products, generate additional revenue, or become an established expert in your field. How do you decide on your topic? Here are some questions you can ask yourself: 1. What are the biggest problems that your clients report having? 2. What are 10 solutions (or more) that you can write about which would help them deal with these problems? 3. What issues/problems do you commonly help clients with that appear to you as "common-sense" but in reality aren't? 4. What result, or benefit, do you want the readers to experience as a result of reading your tips booklet? 5. Are there ancillary markets in the industry who can also benefit from this information, like manufacturers, suppliers or other kinds of distributors? 6. What kinds of stories or case studies do you have that can support your tips? I think people learn much from the stories we tell. Now, how can you begin the writing process? First, start capturing those sound bytes of information that you tell over and over again to your clients over the next few weeks. You can jot them on a pad or note them in a Word doc in their raw state, or use a very cool outlining/notetaking program that I love called Evernote, http:// evernote. com. Once you have written down a collection of tips, begin to organize and refine them. You may want to divide them into categories and elaborate or rewrite some of the initial tips you jotted down. Then you can hire a graphic designer to typeset the booklet for you, and you can make a decision to distribute it in PDF format electronically or have it published as a soft cover booklet. Who's going to receive your booklet? You can give it to or sell it to members of your target market, or send it to the media in a campaign to establish credibility with them in your target market. Your biggest bang for the buck, however, will be in licensing the content to corporations, associations, publications or any other group that might want to distribute the booklet to their client base. Any time you sell a large quantity of books, or license the content, you'll be reaching a much larger audience than you could on your own, as they are also marketing your business with every booklet they distribute. You can sell an electronic version of your tips booklet at Paulette Ensign's site, http:// tipsbooklets. com. Here's the info on a great booklet of a client of mine, Certified Retirement Coach Lin Schreiber, http:// revolutionizeretirement. com/tipsbooklet. htm. Lin has completed a media campaign and distributed the booklet and an introductory letter to members of the media who cover retirement issues. She also sells the tips booklet on her website, and we're currently working together on a booklet licensing plan that will create a multiple profit center for her business as well as serve as a phenomenal marketing tool for her coaching services. Become known an expert in your field by publishing a tips booklet. It'll be a short-term project that will result in long-term rewards for your business. Copyright 2006 Donna Gunter

Online How to leverage your expertise with tips booklets

Spider solitaire a winning strategy

Spider Solitaire is one of the most popular solitaire card games in the world. It is often named Classic Solitaire Game and "the King of all solitaires". Spider Solitaire is a lot of fun and has to be learned like any game. At first glance, this challenging and time-consuming game seems to be too complicated. But spider solitaire is a very easy game to play once you get the hang of it. Not every game of Spider Solitaire can be won, but you have a better chance of winning if you plan your strategy carefully. Below you will find several simple rules that can increase your chances of winning Spider Solitaire. 1. Build sequences of cards by following suit Whenever you have a choice, prefer builds in suite ("natural builds"). Natural build may be moved as a unit to be built elsewhere. This allows you to expose a hidden face down card, which you may now turn over, or expose an empty pile. 2. Try to expose hidden cards whenever possible Uncovering hidden cards leads to a new set of possible moves. Besides, it is a way to get empty pile. 3.Try to make empty piles as early as possible Move cards from tableaus that have fewer cards. Use empty piles as temporary storage when rearranging cards sequences into "natural" builds as far as possible. Move cards to empty spaces to turn over more cards. 4. Build on higher cards first Among the "out of suit" builds, start with those of highest rank. The reason for this is apparent. You can not move "out of suit" build as a unit to another pile. So this build is of no use except as a temporary storage for cards from other piles. If we start with low card, the build will be finished with an Ace very quickly and then it will be useless. Starting from higher cards allows us to get maximum advantage from it. 5. Get as many cards exposed and arranged in suit order as possible before dealing the next 10 cards from the stock Otherwise your chances of winning are significantly reduced. 6. As soon as you remove a suit, arrange the remaining cards into "natural builds" Use empty piles as temporary storage when rearranging cards. Spend some time practicing this strategy and soon you will find yourself beating Spider Solitaire faster and more often.

Online Spider solitaire a winning strategy

Business dsl access information

Your ready to do business, you head over to the computer and your internet connection is as slow as a snail. It's true, DSL is much faster then a dial-up internet connection, but is it all it's cracked up to be? Many companies rely heavily on their high-speed internet to conduct their business with e-mail, video conference, and now for voice-over-internet telephony applications. What do you do? Get a business DSL line fast! There are many Dsl companies offering service in your area, and these days there fighting to do business with your company. Be careful not to choose price over reliabilty. Reliability becomes critical when customers or employees depend on your connection for immediate responses. If your customers use your connection to access your databases or your server or the internet then reliability of your connection is critical. A critical connection can be viewed much like a life line, without which your business would be negatively impacted. Your monthly savings of having a sub-par connection will not make up for the loss in productivity of your employees or loss of customers when your DSL connection gets bogged down or cut off. The fastest way to get an unbiased quote and compare DSL quotes fast is by going to the internet and shopping around for DSL providers. Many DSL service providers are now offering low start up fees for 6-12 months. You can choose from multiple providers like earthlink, verizon and msn. Dsl is now available in many areas and being added to many more. DSL service usually runs between $19 and $79 per month, depending on the plan (residential vs. commercial, 512K vs. 3M, etc.) Do some research, find the best possible price and get business Dsl to make your job easier. You dont want a slow internet connection to get you down! [ Submitted with ArticleSubmitter Pro - http:// proxylate. com/article_submitter_pro. shtml

Online Business dsl access information

How to prevent online identity theft

Identity theft rates one of the fastest growing crimes in mAmerica today and the Internet can make it even easier for some criminals to take your good name and drag it through the mud. Identity theft involves criminals stealing your personal information such as credit card numbers, social security numbers and other information, usually to buy things on credit or to empty out your bank accounts. Through your financial liability with your credit cards may be limited to $50 to $500, it can take years for you to clean up the mess online identity thieves leave behind. As with any crime, an ounce of prevention may just cause the would-be identity thieves to leave you alone and move on to an easier target. The following tips can help you avoid having your identity stolen. 1. Never give out your social security number, online or otherwise. No company you buy things from needs your social security number. If you do business on the web, obtain a a Federal Tax ID number to use instead of your social security number. Once criminals have your social security number, along with your birth date and address, they have virtually everything they need to start wreaking havoc in your life. 2. Use a good anti-virus program. One of the ways criminals get your credit card numbers, passwords and other sensitive information is through "Trojan horse" viruses that log your keystrokes and transmit information to the evil doers. The "Bad Trans" virus that has caused so much havoc is just such a virus. 3. Always use a "secure" server when transmitting credit card information over the web and know something about the company before handing over your information. You can feel pretty confident that you are using a secure server if a little lock displays in the status bar on the bottom of your web browser. 4. A popular new way to pay for goods and services online is to "use your checking account just like a credit card". Be extremely cautious about paying this way through the web. By giving a company your checking account numbers you give away much of the information necessary to empty your bank account! 5. Never give out information such as your birthday, marital status, education level or other personal information. This additional information makes it extremely easy for criminals to make themselves appear legitimate when they pose as you. Websites should ultimately only require you to provide your name, email and billing information for a purchase. You should avoid any site requiring more information than that. These criminals prey on people's ignorance and you can usually defeat them simply by making it too hard for them to get your information. If you do find yourself a victim, immediately contact police and get legal help. Do not wait because you feel embarrassed or "stupid" over what happened. Waiting only lets the trail grow cold and limits how much law enforcement can do to help you. (c) Jim Edwards - All Rights reserved http:// thenetreporter. com

Online How to prevent online identity theft

Dual core laptops this isn t your last year s laptop

Copyright 2006 Titus Hoskins The laptop world is seeing double. The next evolution in laptops is dual-core technology. Dual-core processors are quickly raising the laptop experience to the next level and laptop users are benefiting from the extra boost in performance. Dual-core means exactly what you think it means, you have two processors or CPUs in your laptop instead of one. Theoretically this should mean twice the performance level for all those multi-tasking chores we call upon our laptops to do. However, you must have ways or technology (the platform) to utilize and handle all this extra power. There is some catching up to do but to keep things simple, Hyper-Threading, PCI-Express and SLI are all ways of harnessing or using this extra power. With the recent introduction of the new Centrino Duo Mobile Technology, Intel has entered the multi-core arena. All this extra dual power and Hyper-Threading will finally put some punch into laptops and especially gaming laptops. Now almost on par with desktop PCs, laptops and notebooks can finally hold their heads high when it comes to performance. This isn't your last year's laptop! How quickly things change, Intel expects the Core Duo chip will be in 230 different laptop designs in the first months of 2006. Intel also claims this Duo chip will deliver 68% more performance over the current Sonoma processor (many manufacturers say this will be around 30%) and reduce battery consumption by another 28% (Giving 5 hours for a standard battery and 10 hours for an extended cell battery). Still, dual-core processors coupled with Hyper-Threading technology, will and does greatly improve the multi-tasking functions of your next laptop. The only minor hurdle, many of today's current video games can't use all these multi - applications features. But as more games come on stream which can take full advantage of all this new technology, expect your gaming enjoyment to increase. As with any new technology there will probably be a lag time before all the multi-applications can be applied to the majority of new games hitting the market. Some major laptop makers now sporting the Intel Core Duo include Dell with its new "entertainment" Dell Inspiron e1705 line of high end laptops. HP with its Pavilion dv1000 line of laptops, which comes with a remote and you can play CDs and DVDs without booting up. Nor is Intel the only player in town with a lot of chips on the gaming table. Intel's main rival AMD has introduced dual-core into its mobile Turion 64 X2 processors. Also keep in mind, in recent head-to-head CNET Labs testing, AMD's Athlon 64 X2 chip performed better than Intel's desktop Dual-Core chip. http:// cnet. com/4520-6022_1-6410042.html You're probably wondering, how will all this new laptop technology be applied? And what does it mean for the average laptop owner? What does it mean for gaming laptops? Well, lets examine one sample notebook to see what all this next generation technology will do for laptops. Take for example, the Xtreme SL, a new gaming laptop designed by Rockdirect. Rockdirect, formerly known as Rock computers, is a leading UK laptop manufacturer who introduced some of the world's first dual core laptops last summer (2005). Rockdirect's latest gaming offering, the Xtreme SL has specs or features which are rather awe-inspiring, even for the non-gamer. It comes with an AMD Turion 64 ML-44 2.4GHz processor, sporting 1MB L2 Cache and 2 Gigs of DDR 400MHz RAM. More importantly, it has twin NVIDIA GeForce Go 7800 GTX 256MB graphics cards with PCI-Express and SLI (Scalable Link Interface). SLI lets you have two graphics cards on your laptop, working in tangent to increase or double your graphics performance and visual quality. Throw in a 19 inch WSXGA+ X-Glass TFT Screen and you have a perfect example of where gaming laptops are headed with all this new technology. For those involved in gaming, this means the ultimate gaming experience can be best captured on a laptop with Dual-core processors and dual graphics cards using all the latest SLI or Hyper-Threading technology. And it is just not for gamers. The new mobile multi-core chips are turning heads for ordinary laptop users who want the best performance possible in their sleek shinny new laptops or notebooks. Besides, why should gamers have all the fun, these new technologies will greatly benefit all laptop users. It means a sleeker, faster, and more powerful laptop for everyone. It also means longer lasting battery life for your laptop, a much needed improvement. For the demanding laptop user working in multi-media authoring, multi-tasking with video editing, spread sheets, large graphics... these dual core laptops offers a very capable alternative to the bulky and oh-so stationary desktop PC. This new multi-core technology offers ultimate performance in a sleek, quiet package that buyers will find hard to resist. It will draw even more potential customers into the laptop market, looking for the ultimate in style, portability, and performance. Dual-core laptops may just deliver the goods. This surely is not your last year's laptop.

Online Dual core laptops this isn t your last year s laptop

Credit card debt consolidation and the middle class trap

Credit card debt consolidation is something many of us will have done at least once or considered doing. The immediate advantage is to save money on interest rates by moving balances on to a loan which will charge a fixed rate of interest with fixed repayments. The wise move to make then is to cut up your cards and then just pay off the loan. So how many people actually do that? Having a clear credit card in your wallet is too tempting a thing to have now you are under the illusion of it being clear. Typically we’ll hang on to it ‘just in case of emergency’. Then a few months down the line we find it maxed out again, we’re back where we were making the loan repayments and card payments with their high rates of interest again. The credit card debt consolidation cycle can repeat itself a few times before the consumer realises what they are doing,- by which time their overall debt has plunged so far into the red that it’s a serious problem.

In the worst cases payments will have been missed or made late so obtaining loans from established lenders will not be an option leaving debt management, bankruptcy or bad credit loans as the only options. This scenario – sometimes referred to as ‘the middle class trap’ is so commonplace that the question arises – “Why do the lenders allow it to happen?” Recent reports have shown that some lenders are in fact very actively and aggressively engineering their customers to get into situations like this. Credit card debt consolidation is a very profitable line of business, not only for the high street banks but also for the independent lenders, bad credit loan companies and debt management companies. When someone has their credit card limit extended, or gets upgraded to a higher grade of card they feel special.

They feel like they’ve been accepted into an upper echelon now that their ‘financial status’ has been upgraded. They are made to feel that all of a sudden they can afford to spend more because they have more credit at their disposal. All the while the lenders know exactly how much they have to spend, how much they earn, how much their outgoings are and exactly how far they can be stretched. Credit card debt consolidation is best done onto another card with a period of 0% APR giving you the chance to pay off the premium amount and not interest.

Of course you will have to exercise extreme discipline to avoid the middle class trap if you are to be successful. The alternatives to forming your own debt busting plan will only cost you a lot more in the long run and keep you in debt for longer than you need to be. The most effective and self serving way to do it is to make your own custom DIY debt busting plan which does not involve paying fees or interest on top of your overall debt amount. There are a lot of people out there preying on those in need of credit card debt consolidation – The DIY method is really the best way to go.

Online Credit card debt consolidation and the middle class trap

Travel credit card planning that european vacation

Now that summer's here you may be getting ready for that long awaited European vacation. Have you checked to be sure you have the right travel credit card? Although using credit cards are best when you travel, you need to be sure you've selected the best credit card for overseas use. If you're getting ready to travel, you need to take care of a few matters regarding your credit card before you leave. You should check with your credit card issuer about fees or charges when using the card outside of the U. S. Many of the financial institutions charge additional fees for foreign transactions, such as three percent when converted to U. S. dollars. It is recommended that while you have your bank on the line, you advise them of the dates you'll be traveling and the countries you will be in. If they don't know you're out of the country and start getting charges from Paris, they may cancel your account until you contact them. You should take credit cards from two banks. If there's a problem and one bank cancels your credit card while you‘re traveling, if the two cards are from the same institution they would cancel both. The second card could just be a back-up. It’s best to use just one credit card as it’s easier to keep track of your spending. Seasoned travelers recommend when vacationing in Europe, you use a debit card for getting local currency. Cash machines are common throughout Europe and you can go to any ATM machine and get cash back. The drawback with this is that there are quite often limits of the amount of cash you can withdraw at one time. You may also want to set-up with your financial institution in advance, a daily allowance of the amount of cash that can be withdrawn from your debit card just in case it is lost or stolen. With the debit card, there is a fee for each transaction. So you wouldn't want to use the debit credit card in place of a credit card as you might do here in the U. S., as each charge would generate an added fee. You can keep the debit card just to replenish your cash. It is suggested you have enough cash on hand, as there are times when a credit card sign is posted at the door at say a restaurant, but when the bill comes they don’t accept that card. Use caution while traveling of being too liberal when using your credit card number. Keep your travel credit cards and your debit credit card in a safe place. Keep all receipts so that you can verify the charges upon your return. Maintain your pin number in a safe place. Be sure you have the financial institution’s phone numbers just in case you lose your credit card. Now that you have your travel credit card and debit card information, it’s time to make those final plans and start packing. Oh, ……and don’t forget to take lots of pictures and have fun!

Online Travel credit card planning that european vacation

Abc of secured debt consolidation loans

Secured debt consolidation loans are the ones, which pay off some or all of your existing debts. They let you repay them with a single loan and a single monthly payment. With such loans, you can write off your high interest credit card debts, shopping bills, medical bills, auto loans and personal loans etc. This way, they bring you comfort in times when you are left breathless due to creditors’ threats, harassment and humiliation. So, you should think to consolidate your debts before your creditors suck you dry of your money by charging you high interest and late fee penalties. Secured debt consolidation loans are offered against collateral.

The magnitude of a secured debt consolidation loan ranges from ₤5,000 – ₤100,000. However, the amount of loan you can avail depends upon your credit history, repayment capacity and equity in the collateral. A sound credit history, repayment capacity and collateral can avail you a handsome secured debt consolidation loan. Also, it carries a comparatively lower rate of interest. Those – who do not have a good credit history – can also get secured debt consolidation loans. But the rate of interest may inflate and the term of loan may deflate. Further, you must know that a secured debt consolidation loan is also a loan like others, which you need repay. However, in case you miss on its repayment, it may cost you dearly. You may incur late payment fees. And to top it all, such loans run the risk of forfeiting of collateral.

Otherwise the ride is smooth. Therefore, in order to secure an easy and smooth transition, you will need to take an absolute care in its repayment. Before you apply for a secured debt consolidation loan, you need estimate how much money you require to consolidate your existing debts. To solve this purpose, online lenders also help you arrive at a decision in this regard. They provide you with a quote of loan. It contains the details like amount of loan, rate of interest, term of loan etc. Though many brokers and commercial agencies are ready enough to give you a helping hand to get a secured debt consolidation loan, searching for a secured debt consolidation loans online is easier. A secured debt consolidation loans available online is also cheaper. It also involves minimal human interaction, and reduces paper work. Furthermore, it saves you money, time and energy too as you have access to the Internet virtually anytime and anywhere.

Online Abc of secured debt consolidation loans

A new part of ebay ebay express

In January 2006, eBay announced the creation of a new specialty service called eBay Express. Here are some of the highlights of this upcoming venture, according to eBay e-mails and its own website: 1. The description of eBay Express emphasizes new merchandise. eBay obviously wants to distance itself from the "online flea market" image that many people associate with it. However, eBay also states "eBay Express will allow shoppers to buy products ranging from new, used, refurbished and more". 2. It is not auction-based. Everything on eBay Express will have a fixed price and will be available for immediate purchase - no more waiting for 7-day auctions to end (of course the Buy-It-Now feature has also been available on eBay. com for quite a while). 3. There appear to be plans for some kind of shopping cart function, making it easier for buyers to make multiple purchases from the same seller than it is now. 4. There are a number of seller requirements for eBay Express: a feedback score of 100 or more, 98% positive feedback value or better, public feedback (as opposed to private), PayPal Premier or Business account, setting PayPal account to ship to unconfirmed addresses or make sale-by-sale decisions (a point that has caused some debate among sellers), and being based in the US (it seems that eBay Express will be offered only in the USA at first). Sellers also must state shipping costs, either flat, calculated or free, rather than forcing buyers to look for them in the item description or having to e-mail the seller beforehand. eBay Express is supposed to be launched during the spring of 2006. Like the "IT" campaign, it seems to be another attempt by eBay to get away from the "cleaning out your garage and selling junk on eBay" image and a challenge to its conventional online rivals who have offered fixed prices and shopping carts for a long time.

Online A new part of ebay ebay express

Why should you write an ebook

The fact is that this is the perfect time to write an ebook. What the publishing industry needs are people who can tap into the world as it is today - innovative thinkers who can make the leap into the new millennium and figure out how to solve old problems in a new way. Ebook's are a new and powerful tool for original thinkers with fresh ideas to disseminate information to the millions of people who are struggling to figure out how to do a plethora of different things. Let's say you already have a brilliant idea, and the knowledge to back it up that will enable you to write an exceptional ebook. You may be sitting at your computer staring at a blank screen wondering, "Why?” Why should I go through all the trouble of writing my ebook when it's so impossible to get anything published these days? Well, let me assure you that publishing an ebook is entirely different than publishing a book in print.

Let's look at the specifics of how the print and cyber publishing industry differ, and the many reasons why you should take the plunge and get your fingers tapping across those keyboards! Submitting a print book to conventional publishing houses or to agents is similar to wearing a hair shirt 24/7. No matter how good your book actually is, or how many critique services and mentor writers have told you that "you've got what it takes," your submitted manuscript keeps coming back to you as if it is a boomerang instead of a valuable mine of information. Perhaps, in desperation, you've checked out self-publishing and found out just how expensive a venture it can be. Most "vanity presses" require minimal print runs of at least 500 copies, and even that amount will cost you thousands of dollars. Some presses' minimal run starts at 1,000 to 2,000 copies. And that's just for the printing and binding.

Add in distribution, shipping, and promotional costs and - well, you do the math. Even if you wanted to go this route, you may not have that kind of money to risk. Let's say you already have an Internet business with a quality website and a quality product. An ebook is one of the most powerful ways to promote your business while educating people with the knowledge you already possess as a business owner of a specific product or service. For example, let's say that you've spent the last twenty-five years growing and training bonsai trees, and now you're ready to share your knowledge and experience. An ebook is the perfect way to reach the largest audience of bonsai enthusiasts. Ebook's will not only promote your business - they will help you make a name for yourself and your company, and establish you as an expert in your field. You may even find that you have enough to say to warrant a series of ebook's. Specific businesses are complicated and often require the different aspects to be divided in order for the reader to get the full story. Perhaps your goals are more finely tuned in terms of the ebook scene.

You may want to build a whole business around writing and publishing ebook's. Essentially, you want to start an e-business. You are thinking of setting up a website to promote and market your ebook's. Maybe you're even thinking of producing an ezine. One of the most prevalent reasons people read ebook's is to find information about how to turn their Internet businesses into a profit-making machine. And these people are looking to the writers of ebook's to provide them with new ideas and strategies because writers of ebook's are usually people who understand the new cyberspace world we now live in. Ebook writers are experts in Internet marketing campaigns and the strategies of promoting and distributing ebook's. The cyberspace community needs its ebook's to be successful so that more and more ebook's will be written. You may want to create affiliate programs that will also market your ebook. Affiliates can be people or businesses worldwide that will all be working to sell your ebook's. Think about this?

Do you see a formula for success here? Figure out what your subject matter is, and then narrow it down. Your goal is to aim for specificity. Research what's out there already, and try to find a void that your ebook might fill. What about an ebook about a wedding cake business?

Or an ebook about caring for elderly pets? How about the fine points of collecting ancient pottery? You don't have to have three masters degrees to write about your subject. People need advice that is easy to read and easily understood. Parents need advice for dealing with their teenagers. College students need to learn good study skills - quickly. The possibilities are endless. After you've written your ebook Getting your ebook out is going to be your focus once you've finished writing it, just as it is with print books. People will hesitate to buy any book from an author they've never heard of. Wouldn't you? The answer is simple: give it away! You will see profits in the form of promoting your own business and getting your name out. You will find affiliates who will ask you to place their links within your ebook, and these affiliates will in turn go out and make your name known. Almost every single famous ebook author has started out this way. Another powerful tool to attract people to your ebook is to make it interactive. Invent something for them to do within the book rather than just producing pages that contain static text. Let your readers fill out questionnaires, forms, even crossword puzzles geared to testing their knowledge on a particular subject. Have your readers hit a link that will allow them to recommend your book to their friends and associates. Or include an actual order form so at the end of their reading journey, they can eagerly buy your product. When people interact with books, they become a part of the world of that book. The fact is just as true for books in print as it is for ebook's. That's why ebook's are so essential. Not only do they provide a forum for people to learn and make sense of their own thoughts, but they can also serve to promote your business at the same time.

Online Why should you write an ebook

Jazz up your english with fresh and lively idioms

English language is loaded with non-standard phrases, which rooted so deeply in its vocabulary that at times cannot be distinguished from the accepted Standard English terms. On the one hand, they jazz up the language of native speakers, making it very lively, natural, and authentic. However, on the other hand, non-standard phrases make a pile of understanding hassles to English learners, who helplessly try to gain an understanding of all intricate words and phrases, invented by the language speakers impromptu. This really stands for some reason, because the most difficult aspect of learning another language is not a great bulk of its vocabulary, but an extensive number of non-standard phrases. Non-standard phrases, used here to denote idiomatic expressions, which make up a considerable part of the lexicon of language users. The best advice to the English learners is not to make many efforts, trying to remember tons of idioms at one sitting, but to learn the most common ones gradually and naturally through the learning material or lively communication with native speakers. Remember that it is much better to be accurate in the non-idiomatic English than inappropriate when using idioms. It is a well-known fact that English is heavily idiomatic. The phenomenon of vast idiomatic basis of the English language is rather explanatory.

First, English is a multicultural language, that’s why it comes under the influence of different languages and borrows new phraseological units extensively. Second, as new concepts are developed, new terms are needed for their indication, so instead of creating new words, we simply put together already existent words, which acquire new sense in combination. Idiomatic expressions come across all over the place. Even a cursory scanning of the newspaper headlines and perfunctory watching of television shows or news broadcast clearly reveal the extent to which idiomatic language is a part of day-to-day life and communication. Being stripped of the non-standard phrases everyday language will lose its flavor and become pedestrian and dull. What is especially interesting about idioms is that they can be defined in different ways, depending on the functions they fulfill. Idiom can be a figure of speech, which means that the words in idiomatic expressions are used figuratively, rather than with their literal meaning.

When we say that someone is in the soup, instinctively we feel that there is no real soup involved. We know that here the meaning of the word soup is figurative, and we guess from the context that someone who says it implies that a person is in trouble and has some serious problems. Native speakers got so used to figurative language they speak that they don’t realize of how large a proportion of what they say and write is metaphorical. A great number of idioms which is used in everyday language are colloquial metaphor. Wikipedia offers very clear and to the point example to illustrate this statement: get lost! - which means go away or stop bothering me. Idiomatic expressions are extremely common and are found in all kinds of English, both formal and particularly informal. After all, frequent occurrence of the idiomatic expressions in speech does not make them understandable for everybody. As the origin and history, standing behind them, remains enigmatic and obscure both for native speakers of the language and English learners. The origin or also called etymology of idioms, which can be literally interpreted as tracing back to the roots of emergence of words and phrases in the language, is a vast field of unceasing debates of scholars and a fruitful ground for equivocal opinions and views of linguists. Indeed, language users do not pay attention to the stylistic peculiarities of the phrases they use, and do not reflect much on the origin of the words they utilize on a daily basis. Indeed, usage of idiomatic expressions is par for the course for us, and we do not notice the beauty of the language we speak. English idiomatic language is a real diamond in the rough, which has enormous topical variety of forms and fascinating and surprising origins. So be natural in your communication, keep your language simple and be sure to polish this rough diamond perfectly well.

Online Jazz up your english with fresh and lively idioms

9 ways to organize your events on a shoestring budget

9 Ways To Organize Your Events On A Shoestring Budget When you want to have a great event, but you have to do it on a budget, you will want to make sure that you are finding ways to cut your expenses. There are many different things that you will have to pay for and you will want to make sure that you are able to get all that you need with the money that you have set for the party. The first thing that you will need to do is figure out what your budget is and what you need to do to stay on it. There are many ways that you can stray away from your budget and you will want to make sure that you stay on track and keep your budget in play. Here are a few ideas when creating an event on a shoestring budget. 1. You will first want to find ways to save money. This is most important. However you do not want to go too cheap if you do not have to. You want to stay on the proposed budget and not take shortcuts that you do not have to. 2. The next way to save money is to find all the friends and family members that you can to help you out with your party. You do not want to have to hire people unless you have to. If you can save money by having volunteers help, you should take advantage of it. 3. Shop wisely. You will want to try and bargain shop any time that you can. This will help you save money so that you can get the materials that you will need and not have to spend all of your budget on the things that you need. You will also want to shop as much as you can so that you can find the discounts that will help you with your shoestring budget. 4. Donations are a great way to save money. If you know someone that can help you with your party, you should ask them for a contribution. This will help you raise money that you find necessary to get the things done that you need. You will find that a lot of people like to help out for a good cause. 5. You need to find a location that will be very inexpensive. You want to get a location that will make your party great but also save you money in the long run. You will want to make sure that you are first finding out if the location that you have is going to be the better place for the event. You will want to shop around until you find the price that fits your budget as well as accommodates all your needs. 6. Make the food for your event. You need to have food and appetizers for your event. You will find that you can save a lot of money for your budget when you decide to make the food. Buying or having someone make everything for your event can sometimes be expensive. You will want to make sure that you are allowing enough in your budget to get all the food that you need to make your event a great success. 7. Advertising can take up a big part of your budget. You will want to try and get your event out there for the public to know about. However you will not want to over spend on your budget for this. You want to try and find inexpensive ways to get your event advertised. You can use the local newspapers or make up your own flyers to hand out. 8. There is nothing wrong with trying to make a deal with the things that you need. You will want to try and get the cheaper price for just about anything that you are going to need. This will be a good way for you to save money and get the better deal that will fit your shoestring budget. 9. Ask for support from your community. You will want to try and find the support that you need to make your event happen. You can ask anyone that you know to help out as much as they can. This will give you a break and let you relax a little more when it comes time for the event to happen.

Online 9 ways to organize your events on a shoestring budget

The history of lottery

Lotteries have been with us for a long time. They go so far back that they’re mentioned in the Bible, and Caesar himself is known to have encouraged lottery games in Rome to help pay for repair work that needed to be done in the city. Legend has it that even the Great Wall of China was paid for by the proceeds of lottery games. In medieval times, Europe was a hotbed of lottery activity. In 1420, residents of the French town of L’Ecluse decided to follow Caesar’s lead by using a public lottery to help raise money; this time to increase the town’s defenses. Charitable causes prompted officials in the Belgium city of Bruges to hold a lottery in 1466 to raise money for the poor and needy.

In the early 16th century, the Italians caught lottery fever when they introduced the idea of a ‘number’ lottery in Florence. Interestingly, the word ‘lottery’ is thought to originate from the Italian ‘lotto’, which simply means “fate”. Royalty caught on to lottery’s moneymaking potential in 1520, when King Francis I of France held the first ever state lottery. The proceeds went to the Royal Court.

Forty years later, in the 1560s, lottery fever crossed the English Channel when Queen Elizabeth I decided to hold her own state lottery to raise money to improve England’s ailing harbors. Her Majesty’s prizes included tapestry and money. The lottery gained in popularity in England over the next two centuries. The British Museum in London, today one of the finest in the world, was actually started on the proceeds of a lottery in 1753. Lotteries were particularly popular in the New World in the 18th century. Benjamin Franklin used one to pay for the cannons that helped win the American War of Independence, and they were also used to pay money to the army.

The Mountain Road, one of the key routes into the west from Virginia, was paid for with a lottery organized by George Washington. Individuals were fond of them too; Thomas Jefferson (the third U. S. President) sold most of his property through a lottery scheme. Many of America’s historic colleges and universities were initially set up with the proceeds of lotteries. Most notably, these include many of the universities in the prestigious Ivy League.

Within the last couple of centuries, lotteries have been legalized and implemented in pretty much every country in the world. As the numbers of people playing become bigger, so do the prizes; a jackpot in the USA’s Big Game lottery in 2000 reached $363 million.

Online The history of lottery

World cup 2006 preview mexico

Outright Odds: 40/1 Group D Winners: 13/8 As per usual, Mexico, ranked in the World’s top 10, had an impossibly easy qualifying path to the finals in Germany. After hammering Dominica 18-0 across two legs, they won all six matches in Stage Two of qualifying in a group which contained fellow qualifiers Trinidad & Tobago and football heavyweights St Vincent / Grenadines and St Kitts and Nevis. The final group saw them lose two matches, away to the United States to whom they finished the group as runners up on goal difference and their final match at Trinidad & Tobago. They did however, net 22 goals in the process, making them the group’s top goal scorers overall. Those two defeats within 90 minutes were the first endured under manager Ricardo La Volpe since he took over in October 2003, with his side beating Brazil 1-0 in the Confederations Cup and also taking both Germany and Argentina into extra time. No matter how easy a passage into the finals Mexico may have had, there is no denying they can mix it with the “big boys” when the occasion arises. They have appeared in 12 World Cups and reached the quarter final stages in both 1970 and 1986 when the tournament was held on home soil. However, they haven’t faired so well in recent finals, suffering a 2-0 second round defeat by rivals the United States in 2002 and bowing out 2-1 at the same stage to Germany in 1998. Following a not-too-taxing qualifying process, they will be delighted at being seeded and being placed in arguably the weakest group of the tournament. They should have no problem qualifying for the second round and Lavolpe’s coveted 3-5-2 formation should serve him well in the opening stage. The formation is used to benefit striker Jared Borgetti, who plundered 14 goals through the qualifying campaign while Jaime Lorenzo struck 11 times from midfield. However, ironically what used to be the team’s main strength could now be a major weakness. Borgetti has flopped at Bolton Wanderers and is just a bit-part player while fiery striker Cuahtemoc Blanco may not even feature in the finals squad. Where Mexico do boast a genuine world-class player is holding player Rafael Marquez, who plays just in front of the defence for both club – Catalan giants Barcelona and his country. Goalkeeper Oswaldo Sanchez is in the form of his life too so while Mexico may not be the force in attack they used to be, they will certainly be a tough nut to crack. Recommended Bet: Being seeded in such a weak group means there is no value in backing Mexico to qualify for the second round. They don’t play fellow seeds Portugal until the final round of fixtures and if both sides have already made it to the last 16 by then, a draw could be on the cards. Portugal vs Mexico draw @ 5/2

Online World cup 2006 preview mexico

Find the right new year s resolution to get into your best shape ever

Five easy resolutions to make you lean in 2005! Yep, it is that time of year again! Time to moan and groan about the weight we gained over the holidays as we resolve to lose it all in the New Year! If memories of failed New Year’s resolutions are haunting you, it is time you found the right resolution for 2005. The reason that most New Year’s Resolutions fail is that they are too extreme or time consuming. Who is really going to give up all sweets or stick to sweating in the gym for hours each day? What you need this year is a New Year’s Resolution that is simple enough to become a part of your daily life, and will lead to long term weight loss. Read on for five simple yet effective New Year’s Resolutions for you to choose from. Resolution #1: Drink a large glass of water before each meal. This simple action will save you mountains of calories in the coming year!

By filling your stomach with water right before you eat you reduce your chances of overeating during the meal. Drinking more water is also healthy for all of your body functions, including converting body fat into usable energy. Resolution #2: Wait 20 minutes before deciding on seconds. Do you remember the last time you were uncomfortably full after a meal?

Chances are that you were hungry and, rather than stopping when you were satisfied, you overate. In the same way that your body tells you when you are hungry, it also has a way of telling you when you are full. The catch is that it takes about 20 minutes for your brain to get the message from your stomach that you have eaten enough. What you eat during that 20 minutes is extra food that your body doesn’t need. Next time that you are in the middle of a meal contemplating getting yourself seconds, allow 20 minutes to pass before you decided if you still need the extra food. Chances are that your brain will get the “full” message and you will pass on the extra calories!

Resolution #3: Walk or Jog in the morning. Did you know that going on a 15 minutes walk right after waking contributes to weight loss? Getting out of bed 15 minutes earlier, lacing up your tennis shoes, and simply walking around the block will lead to fat burn and lost pounds! When you get up and move first thing in the morning, before breakfast, your body is more likely to used stored fat as energy. Weight loss is supposed to be harder than this, right? Resolution #4: Obey the No Food Three Hours Before Bed Rule. Eating a snack after dinner is a widely held habit. Although food always seems to taste better right before bed, it is also more prone to stick with you when eaten late at night. It has been proven that not eating three hours before bed reduces fat storage throughout the night.

If you go to bed at 10pm, finish eating for the day no later than 7pm. Once you have made this a habit you will be ecstatic over the long-term weight loss! Resolution #5: Spice up you Workouts with Circuit Training Are your workouts consisting of the same exercises in the same order at the same weight? If you find yourself falling into a rut at the gym give circuit training a try. Start by doing one set of your first exercise and then moving on to do one set of your second exercise. After you have done every exercise once, start again from the top! If you want to burn extra calories add 5 minutes on a bike between each set. Get creative and add new exercises into your circuits, and your workouts will be fun and energizing! Now all you have to do is pick one of these New Year’s Resolutions, make it a part of your daily life, and watch as the pounds fall off in 2005!

Online Find the right new year s resolution to get into your best shape ever

All about online ordering

One of the reasons why most people are hesitant to buy or purchase anything online is because they are afraid they might come across a scam. Another reason may be because they are not familiar with how buying online is done. Like most problems, each of them has a solution. It is actually quiet easy to avoid being fooled over the internet and be familiar with the process of online purchasing only if a person knows what to look out for and what to follow. Contained in this article are the following information needed by those people who would like to have even just a few guidelines on ordering or purchasing online. It also includes some specific examples and details on the benefits of it. Basically, most sites already provide the directions on how orders can be made from them. There are buttons either labeled as either "Buy Now", "Order Now", "Submit Now", which will automatically lead to other steps of the process. Sometimes, there are diagrams or even written instructions that details the entire process of ordering. It is actually that easy to orders sometimes. However, there are still some sites that are cluttered, confusing, and difficult to understand especially to those people who do not use the internet frequently. In such cases, there are just a few pointers that need to be kept in mind. If there are no buttons that will automatically lead to the order forms or whatever step following the initial procedure, there is usually a tab for the page where buying can be made or accomplished. These pages are sometimes labeled as "Shops" where a complete listing or display of the products are posted. After those pages are found, it is already quiet easy to figure out the next thing to do. As an example, one famous online drugstore makes use of the "Buy Now" buttons which will lead next to the Medical Order Form. This form may be made up of several parts such as a personal account information, shipping or contact information, and a medical questionnaire. After these forms are accomplished, some customer agreements have to be read and agreed to before the button "Submit" can be clicked. After this, all a person needs to do is wait for the updates regarding his or her order. One of the trickiest parts that need to be properly monitored is when payments are made online. This usually involves providing one's credit card information to those who manage the site. In order to determine that these pages are really exclusively managed by the site administrators or owners, one can look at the site addresses indicated on search bars. Addresses that have "https" on them rather than just a mere "http" are said to actually be the secure sites. Thus, it is safe to provide the credit card information to these sites because other people cannot access them. The only remaining information that should be determined is whether the site being accessed is one that is reliable or that which can be trusted. Since most sites nowadays are monitored to be ones that are reliable, chances of being tricked is quiet slim. Aside from disadvantages or difficulties such as those already mentioned, ordering online has actually a lot of benefits. First, it is actually more convenient since several tasks can be accomplished easily at a lesser amount time spent. It is also less costly considering that transportation expenses are already not an issue. The hassles of waiting in lines and possibly bearing with some annoying people or other situations will also be avoided. Eventually, most businesses will already opt for purchases from their companies to be made online. Thus, it is better if one has some knowledge already of this process before that happens.

Online All about online ordering

Beyond adhd the real child

(NC)—Attention Deficit Hyperactivity Disorder (ADHD) is a neurobiological disorder that affects three to seven per cent of children. The disorder causes difficulties concentrating, sitting still, controlling emotions and listening. ADHD is one of the best-researched psychological disorders and the overall data on its validity are far more compelling than for most mental disorders. It is officially recognized by the World Health Organization. Children with ADHD are not problem children, but children who have difficulty functioning. These difficulties can be addressed. These children often have special characteristics, such as being energetic, adventurous, intelligent, having a great sense of humor and the ability to throw themselves into their goals. Unfortunately, these characteristics sometimes go unnoted strictly because the difficulties caused by ADHD always seem to be front and centre.

The tendency of children with ADHD to be disorganized, forgetful and easily distracted sometimes makes it hard for their true colours to shine, but the potential is there and often just needs a helping hand. Physicians, parents and educators routinely offer guidance by teaching children with ADHD that the disorder is a challenge, not an excuse. With the help of medication, which can correct the underlying chemical imbalance, along with appropriate counseling, they have a fair chance of reaching their full potential. All medications currently approved to treat ADHD belong to a class called stimulants. A number of new investigational ADHD treatments offer great promise and in the future Canadians will have more choice in ADHD treatment.

Research has shown that up to 60 per cent of children continue to have symptoms into adulthood and this can cause career difficulties due to disorganization and attention deficiencies, but those who adapt to their condition as children can thrive personally and professionally. For more information on ADHD, please visit your doctor. - News Canada

Online Beyond adhd the real child