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Using a Health Savings Account to Pay for Alternative Medicine
Americans spend over $30 billion each year on complementary and alternative therapies, mostly out of their own pocket. That is because few health insurance plans cover expenses like homeopathy, a...

Constipation and Laxatives
Many people suffer from constipation. At times, they will turn to laxatives and stool softeners seeking relief. While these products may offer temporary relief, they are not good, long-term solutions....

A Roadmap for Commercial Real Estate Syndication, Part 1
One of the most important requirements for purchasing commercial property is having enough down payment money, called "equity," to complete the transaction.  Most people getting involved in group...

Commercial Real Estate - How to Ask Your Discovery Questions
In order to make a successful commercial real estate investment you need to know the right questions to ask and the right way to ask them.  Asking the right questions could help you avoid owning an un...

Commercial Real Estate: Asking the Right Questions
There are many "insider" commercial real estate secrets.  One of the most important secrets is knowing the right questions to ask when investigating a commercial property investment.  Investing in rea...

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Commercial Real Estate: The Importance of Population Trends
Property values decline, but local populations remain high.  It is easy to see how population movement and population growth impact the housing market, since a higher population density increases the ...

Commercial Real Estate: Raising Equity
Those researching the subject of commercial real estate investment are likely to encounter the term "OPM" on a regular basis.  OPM is an acronym for "Other People's Money."  The difficulties facing mo...

Get a “Leg Up” On Planning Your Commercial Real Estate Investment Activities in 2007
Plans need room to adjust to changing conditions, so setting aside "update time" is critical to the process. A plan without measurement is only a dream. I suggest setting aside time in your plan each ...

Loan Philosophy: The Difference Between Lenders and Investors
An investor is concerned with maximizing the return on his equity.  A lender approaches a loan as an "investment," as well.  In fact, in the loan business we often call our lenders "inv...

Lending Changes: Stated Income Documentation Comes to Commercial
For a while now I've written about the latest "change" in commercial lending:  "The Small Balance Commercial Lender."  These guys are re-writing the rules on commercial loans that are l...

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Assessing the Commercial Real Estate Market
Those neighborhoods with higher than average salary levels should be far better at sustaining the high end shops that often form the backbone of commercial and retail real estate investment.

Construction Loans: The Myth of the “Future Appraisal”
Unfortunately, it's impossible to appraise something "in the future."  With a set of plans, you can literally create value from nothing, as most successful developers know.

Financing Strategies: Shorten Your Term with Cash Out
Many purchased properties while prices were rising and even though rates were at historic lows, they chose adjustable rate mortgages in order to increase cash flow when they purchased or refinanced.&n...

How to use options to replace stocks or futures for massive profits and less risk.
Options trading strategies are being used widely by traders and investors. This article describe how to use options to replace stocks or futures. It also describe options trading strategies that uses ...

Commercial Loans: There are Some New Sheriffs in Small Property Town!
For loan amounts up to $1.5MM on commercial properties, we can get the Loan-to-Value (LTV) as high as 90% in some cases regardless of the property's cash flow.  So even if the borrower made an ex...

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Commercial Loans: How You Win Even If You Lose
We all understand the basic OPM approach for investment property: Get some investors together, pool their money, buy a property together, and get a piece of the action for selecting and managing the p...

7 Simple Steps on Keeping Your New Year’s Weight-Loss Resolution
Whether a New Year's weight-loss resolution is that or just a delusion is based on how you view it. If you make a weight-loss resolution in relation as a negative, then chances are you won't stick wit...

The Amazing Health Benefits of the Humble Pomegranate
Recent research has discovered some remarkable things about the humble pomegranate. Find out how you can reduce your risk of heart disease, strokes, certain cancers and even impotence. This marvelous ...

Real Estate Negotiation - The Art Of The Compromise
Real estate negotiation often involves a compromise, but do you know how to do it right? Here are some pointers.

Switching to a Low Cholesterol Diet
One of the effective ways to reduce blood cholesterol is to combine regular physical activity with low cholesterol diet. A diet with low cholesterol may include foods with high fiber and vitamin conte...

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Consumer Reports - Crib Mattresses
There are two general types of crib mattresses: foam and innerspring. Both tend to keep their shape ...

Life Insurance - Smoke signals
No-one said it would be easy but giving up smoking is really worthwhile and it's a perfectly achieva...

Web Design: Accommodating Color-Blind Browsers
Without color we would live a dull existence. Imagine gazing into a grey sky or devouring a colorles...