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	<title>Mantofa Articles Directory</title>
	<link>http://www.mantofa.com</link>
	<description>Mantofa Free Articles Directory</description>
	<pubDate>Sat, 01 Mar 2008 00:12:35 +0000</pubDate>
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		<title>Benefits Of A Home Business</title>
		<link>http://www.mantofa.com/business/business-home-business/benefits-of-a-home-business-30391.html</link>
		<comments>http://www.mantofa.com/business/business-home-business/benefits-of-a-home-business-30391.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>biggso</dc:creator>
		
		<category><![CDATA[Home Business]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[For some people, the idea of a home business seems a foreign language. They can not understand how a home business can bring in more income than that of a business that is formed in a solid building. Its much the same line of thinking of those who shy away from the concept of network [...]]]></description>
			<content:encoded><![CDATA[<p>For some people, the idea of a home business seems a foreign language. They can not understand how a home business can bring in more income than that of a business that is formed in a solid building. Its much the same line of thinking of those who shy away from the concept of network marketing. Its not a traditional business, so the idea frightens them. Of course, if you do your research and choose a business that is compatible with your skill level and experience, a home business can be more profitable than a brick and mortar business. Some of the reasons why they may happen are described below.</p>
<p>One of the major reasons a home business can be more profitable than a brick and mortar business is overhead. For example, a home business does not require payroll expenses, a sophisticated security system, business phone system and inventory just to name a few. That does not mean that your home business will not have overhead because any business you operate has expenses connected to its operation. The difference is that a home business has a much lower rate of overhead since you are using your home. </p>
<p>There is no need for additional electric, phone, gas or water lines, thus only a portion of the usage of those commodities is expensed for the business. Also, unless you hire people who actually work for you as opposed to outsourcing the work, there is no need for insurance except for yourself. You may need to change your home owners policy to accommodate the business part of your home but you should not need an entire new policy even if you do, the cost will be much lower than that of an entire building.</p>
<p>If you have a brick and mortar business, you can certainly not bring your children to work, even if they are of school age. For one thing, it will be difficult to put them on the bus from another location, so having a brick and mortar business facilitates the need for either daycare or a babysitter if you children are young. With a home business, you may be able to avoid childcare expenses if your children are old enough to understand that you are working and can not be disturbed. </p>
<p>This is especially true if they are all in school since you can probably do most of your work during those hours. You also do not have to worry about losing time from work when they are ill or daycare is closed. You just need to rearrange your work schedule. Some types of home businesses may allow you to work when your children are there but if you meet clients, home or away, you should arrange to have your children placed in daycare or with a babysitter.</p>
<p>Obinna Heche:</p>
<p>Delivering the best home based business ideas and opportunities so you can work at home successfully..</p>
<p>http://www.homeincomeportal.com/obhmy365/</p>
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		<title>Piano Lesson: Compose And Become A Better Pianist</title>
		<link>http://www.mantofa.com/music/piano-lesson-compose-and-become-a-better-pianist-30390.html</link>
		<comments>http://www.mantofa.com/music/piano-lesson-compose-and-become-a-better-pianist-30390.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>Capotasto</dc:creator>
		
		<category><![CDATA[Music]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Everyone can compose sheet music! You have to start where you are and anyone can do that. You can create your own compositions for piano! Let&#8217;s see why you should!
Where can you start?
Maybe you find it difficult to notate sheet music. Well, you don&#8217;t have to notate your music. You can record the things you [...]]]></description>
			<content:encoded><![CDATA[<p>Everyone can compose sheet music! You have to start where you are and anyone can do that. You can create your own compositions for piano! Let&#8217;s see why you should!</p>
<p>Where can you start?</p>
<p>Maybe you find it difficult to notate sheet music. Well, you don&#8217;t have to notate your music. You can record the things you do with a digital recording equipment, maybe your computer or a tape recorder.</p>
<p>But if you want to use sheet music? What can you do?</p>
<p>Let me suggest that you start by writing for piano beginners. Sheet music for piano beginners have to be very simple. Few notes and very easy rhythms. This is the place where you fit in!</p>
<p>If you start to write piano sheet music for beginners in progressive order you will also learn to write sheet music in progressive order. Smart idea, isn&#8217;t it!</p>
<p>But&#8230;, what benefits are there in writing and composing piano sheet music for your own piano playing?</p>
<p>Here are some of my own thoughts:</p>
<p>1. You own endeavors to create piano compositions will make you more aware of other composers music. Questions will arise in your mind on how to notate the things in your mind and how to arrange and so on. These questions will be in your mind and make you more aware of how other composers have written and notated their music.</p>
<p>You will probably look at other composers musical notation with fresh eyes trying to learn how professional composers write.</p>
<p>2. As you compose you will become more and more sensitive to intrinsic musical subtleties in your own music as well as in other composers music.</p>
<p>3. Gradually you will start to think and feel more like a composer. This will help you become a better performer as well. You will respect other composers music more, trying to convey their hearts intent to your public.</p>
<p>4. As you train your creative muscles by composing they will also help you as you perform piano music. Both performing and composing are creative processes requiring your heart.</p>
<p>5. You will become a better sight reader by composing piano sheet music. Many years ago I had an assignment to write sheet music to a musical. I encountered not a few notational problems. Problems I had not as yet solved for myself.</p>
<p>Afterwards I started to play piano sheet music again. To my astonishment I realized I had developed as a sight reader.</p>
<p>My own conclusion was that my concentrated efforts to notate my piano compositions also was a course in sight reading.</p>
<p>I realized I had experienced a reversed sight reading exercise by composing music with my fingers on the piano keyboard and then trying to notate the music on manuscript paper.</p>
<p>Do you have to buy manuscript paper?</p>
<p>Well, no! To notate sheet music does not need to be expensive. You can use an ordinary pencil and ordinary white paper. Sometimes I use this equipment when I have nothing else at hand. I write five lines, one bar at a time, as I compose. It works!</p>
<p>The musical ideas I jot down this way I can easily work more with in my notational software program on my computer later on.</p>
<p>To compose and write piano sheet music can be a part of your daily piano practice. Spending half an hour with piano composing, making your own piano exercices and more can increase your awareness of music and help you become a better pianist and musician.</p>
<p>Peter Edvinsson invites you to download your free piano sheet music, guitar tabs, ebooks, music lessons and read his music blog at http://www.capotastomusic.com</p>
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		<title>The Popular South Beach Diet</title>
		<link>http://www.mantofa.com/health/health-nutrition/the-popular-south-beach-diet-30389.html</link>
		<comments>http://www.mantofa.com/health/health-nutrition/the-popular-south-beach-diet-30389.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>sdmeyers</dc:creator>
		
		<category><![CDATA[Nutrition]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[The South Beach diet is becoming a more popular type of diet in order to balance out nutrition and eating habits. There are several ideas and informational resources that are used for the South Beach diet. These are all centered on you finding a balance in your nutrition so that you can loose weight and [...]]]></description>
			<content:encoded><![CDATA[<p>The South Beach diet is becoming a more popular type of diet in order to balance out nutrition and eating habits. There are several ideas and informational resources that are used for the South Beach diet. These are all centered on you finding a balance in your nutrition so that you can loose weight and feel healthier. </p>
<p>The South Beach diet is based on finding a balance in your meals and in your diet. Most diets concentrate on taking away carbohydrates or fat. However, the South Beach Diet states that some of these carbohydrates and fat are good for you. It is the ones that do not add nutrients or energy to your system that should be taken away. </p>
<p>The South Beach Diet is divided into phases that help your body to adjust to a new lifestyle with new eating habits. During the first two weeks of this diet, one is able to change the way that they eat. During this time, it is important to find foods that do not have saturated fats in them or carbohydrates that are not healthy for your system. The South Beach diet will provide information on what kinds of foods to eat. This includes seafood, lighter types of meat, like chicken, vegetables, eggs, cheese and nuts. Salads are also one of the important parts of the South Beach diet. These types of food are not only known to carry several nutrients in them, but also allow for you to go without being hungry or needing more than three meals a day. </p>
<p>Part of the first phase is also to take out several foods that you are used to eating. This occurs for the first two weeks but is put back in the diet later. This is to help balance out nutrients from the other foods. It is also used to keep you from craving things that may have extra carbohydrates in them or sugars. The eliminated foods consist of bread products, fruits and baked goods. Any types of sugar foods are also taken out of the diet. It is also asked that during these first two weeks, you can&#8217;t drink any types of alcohol. </p>
<p>Once you cut these out for two weeks, your body should be back to balance with the nutrients that it needs. You can begin putting in the foods that you like that were cut out before. During this time, you will need to figure out how much you need to eat as well as how much weight you want to loose. This will help in determining how much of each food you can put back in your diet in order to stay balanced. </p>
<p>The third phase occurs after you have reached your ideal weight. In this phase, you should have reached the ideal weight that you want. At this point, the main thing to keep in mind is that you shouldn&#8217;t add in too many of the foods that were not healthy for you. There needs to be a balance among the nutrients that you receive in your meals. </p>
<p>The South Beach Diet is known to be an effective method to losing weight and keeping it off. It is a way to gradually change your body to be balanced, as well as allow for you to change your lifestyle so that you begin to feel healthy and take whatever measures necessary in order to be balanced. By moving onto the South Beach Diet, you will learn how to balance your meals and the nutrients that move into your body.</p>
<p>Scott Meyers is a staff writer for http://www.ItsEntirelyNatural, a resource for helping you achieve a naturally healthy body, mind, and spirit. You may contact our writers through the web site.</p>
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		<title>What You Should Know About Joining A Fraternity</title>
		<link>http://www.mantofa.com/culture-and-society/culture-and-society-education/culture-and-society-education-college-and-university/what-you-should-know-about-joining-a-fraternity-30388.html</link>
		<comments>http://www.mantofa.com/culture-and-society/culture-and-society-education/culture-and-society-education-college-and-university/what-you-should-know-about-joining-a-fraternity-30388.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>adrianadams</dc:creator>
		
		<category><![CDATA[College and University]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Before standing up and pledging yourself as a fraternity brother, there are a few things you should know about the Greek life ahead of time. Sure, college is a great time to get away from home, meet new people and party, but that doesn&#8217;t necessarily mean that joining a fraternity is the best option for [...]]]></description>
			<content:encoded><![CDATA[<p>Before standing up and pledging yourself as a fraternity brother, there are a few things you should know about the Greek life ahead of time. Sure, college is a great time to get away from home, meet new people and party, but that doesn&#8217;t necessarily mean that joining a fraternity is the best option for you.</p>
<p>First of all, never join a fraternity just because your friends are joining. Each frat has a different area of focus and a different way of operating, and you might find that the group your friends are drawn to doesn&#8217;t necessarily reflect all your personal values. Also, you want to make sure you actually get along with the other fraternity members, since you&#8217;ll be spending a lot of time together.</p>
<p>Another thing to think about is whether the fraternity is a member of the Interfraternity council. This is a national board of fraternities that determines guidelines, appropriate events and behaviors, and disciplinary procedures for leadership within the member fraternities. While this may sound like &#8217;style-cramping&#8217;, the truth is that no successful organization can run without leadership. All campus clubs need guidelines, no matter what college or university you&#8217;re attending, so the same has to be true for fraternities. Also, if the frat is part of this national program, it&#8217;ll be more likely to get funding for various events &#8216; leaving your group more time to enjoy events together and spending less time raising the money for it.</p>
<p>Before you join any fraternity, you&#8217;ll go through a rigid interview process, and will probably be quizzed on your goals for life, the universe and everything. You&#8217;ll also need to be aware of your finances, because most frats and sororities demand steep fees each semester to help run the self-supported organization.</p>
<p>So, what&#8217;s the point? Not only will joining a fraternity help you out in making friendships and connections in school, but you&#8217;ll also have a better shot at making connections after graduation, through fraternity alumni programs. Most fraternities also run their own school sports teams, which gives each member an opportunity to participate in school-run activities, where they might otherwise miss out by not being able to recruit enough team members. </p>
<p>Fraternities also engage in a lot of charity work, giving back to the community and helping others. This is a great way for students to gain a wider perspective on the world around them, and to learn how to work with a team to really make a difference in others&#8217; lives. </p>
<p>If you&#8217;re still unsure about joining a fraternity, attend your school&#8217;s Rush Week, where fraternities and sororities open their doors and throw social events to meet students that may become potential pledges. You&#8217;ll be able to get a sense of each group and how they operate, and choose a fraternity that best fits with you and your priorities.</p>
<p>Find Fraternity and Sorority Rankings at http://www.greekrank.com/</p>
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		<title>Know The Health Risks For Eating Disorder Prevention</title>
		<link>http://www.mantofa.com/health/health-diseases-and-conditions/know-the-health-risks-for-eating-disorder-prevention-30387.html</link>
		<comments>http://www.mantofa.com/health/health-diseases-and-conditions/know-the-health-risks-for-eating-disorder-prevention-30387.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>skleong</dc:creator>
		
		<category><![CDATA[Diseases and Conditions]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[An awareness that there can be health risks makes eating disorder prevention more possible. At the start, you may not realize that when you become pro Ana, you would be creating harm to your body.  With binge eating, you do not realize that it is not just a matter of becoming fat. 
There are [...]]]></description>
			<content:encoded><![CDATA[<p>An awareness that there can be health risks makes eating disorder prevention more possible. At the start, you may not realize that when you become pro Ana, you would be creating harm to your body.  With binge eating, you do not realize that it is not just a matter of becoming fat. </p>
<p>There are serious health consequences to having an eating disorder. An eating disorder is a condition that you should not simply dismiss as something that is not serious.  If you do not seek early treatment, it can affect your entire self-image but also cause a deteoriation to the functioning of your organs. In the worst case scenario, eating disorders can cause complications that are life threatening. </p>
<p>You need to consult your doctor right away if you suspect that you are suffering from an eating disorder. Know the facts so that you can work towards eating disorder prevention. Here are some of the most common health consequences that you expose to with an eating disorder: </p>
<p>1.	Anorexia. In your quest to being thin, you deny your body of important food and nutrients.  When you stop eating, your body grows weak and its natural processes slow down as it tries to conserve energy.  You will grow weak and lose muscle and bone density.  If you allow this to continue over an extended period of time, you may end up with several serious health complications.  </p>
<p>Your heart rate also starts to slow down and you suffer from low blood pressure. You may also get kidney failure if your body is dehydrated long enough.  </p>
<p>Physically, you would see dry hair, dull skin, and hair loss.  You may also start to grow fine hair over your entire body because your body is trying to maintain a steady temperature.  You also become easily fatigued, prone to fainting and feel generally weak all over.   </p>
<p>2. Bulimia. If you are bulimic, then you are engaging in a cycle of binging and purging.  This cycle is unhealthy.  Your binging and purging sessions will lead to chemical and electrolyte imbalances.  This can have vast consequences on the health of your heart and other vital organs.  </p>
<p>You can get irregular heartbeats and heart failure because of imbalances.  Since you are suffering from dehydration and the loss of potassium and sodium, you can end up with gastric rupture and other serious digestive problems.  </p>
<p>You may also rupture your esophagus because of your repeated vomiting.  You will also have dental problems including serious tooth decay because of the stomach acids that you are frequently vomiting.  </p>
<p>With poor digestion, you can also suffer from irregular bowel movements and constipation. Bowel difficulty can affect other aspects of your health when you are unable to clear waste material from your body properly.</p>
<p>3. Binge Eating. If you are a binge eater, then you would find it difficult to control your portion size and the type of food you eat.  You have no awareness that you should stop eating when it is time to do so and often eat beyond your requirements. Although you often feel sick from over eating afterwards, you simply find it hard to stop your habits. </p>
<p>The problem also lies when you eat large amounts of unhealthy foods such as fast foods. Such foods are toxic to your body.  They put you at risk of high cholesterol, high blood pressure, clinical obesity, diabetes, heart disease, and gallbladder disease.  You also end up feeling depressed.  Overall, the state of your health and well being drops drastically.</p>
<p>Appalled by the rising incidences of eating disorders, Sandra Kim Leong publishes a blog to create awareness about the dangers of having one.  For tips on eating disorder prevention and a free download report, please visit her site at http://www.Eating-Disorder-Research.com.</p>
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		<title>A Swimming Pool Makes Your Home Special</title>
		<link>http://www.mantofa.com/finance/finance-real-estate/a-swimming-pool-makes-your-home-special-30386.html</link>
		<comments>http://www.mantofa.com/finance/finance-real-estate/a-swimming-pool-makes-your-home-special-30386.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>gbeaty</dc:creator>
		
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Swimming pools have caught the fancy of a great majority of the population due to summers becoming more and more unbearable with every passing year coupled with the affordable prices of residential pools.  Swimming pools are meant to be a fun way to cool off and relax in the summertime.  Swimming pools are [...]]]></description>
			<content:encoded><![CDATA[<p>Swimming pools have caught the fancy of a great majority of the population due to summers becoming more and more unbearable with every passing year coupled with the affordable prices of residential pools.  Swimming pools are meant to be a fun way to cool off and relax in the summertime.  Swimming pools are of two types; above-ground and in-ground swimming pools.  Swimming pools can be as small as an over-sized hot tub or as large as an Olympic-sized swimming pool.</p>
<p>Recreational Pools</p>
<p>Turn your swimming pool into a multi-recreational playground by slamming into the season or volleying into a &#8220;Funtastic&#8221; summer of fun.  Most people buy a pool for recreational or exercise purposes and usually plan to use the pool on a regular basis, making it the center of their at-home activities.  You&#8217;ll also find we have a variety of specialized pool equipment available for both recreational and therapeutic purposes: toys, floatation devices, hand and feet flippers, and pool chairs.</p>
<p>Fiberglass Swimming Pools</p>
<p>Fiberglass pools are popular for their non-abrasive nature that doesn&#8217;t encourage stains and algae development.  Fiberglass inground swimming pools are a popular option.  Fiberglass pools are made from fiberglass-reinforced plastic, which has been molded into a basin shape.  Fiberglass, unlike concrete, is not prone to splitting or cracking, so these pools are ideal for earthquake-prone areas.  Fiberglass pools are made of shell molded from one piece of fiberglass.  Fiberglass swimming pools save money in other kinds of maintenance as well.  Fiberglass swimming pools are designed to be filled to a minimum level at all times to keep the pressure inside and outside the wall even.  Fiberglass pools require minimal maintenance, a smaller quantity of chemicals for purifying water, and miniscule expense on repairs and cleaning.  Fiberglass pools are manufactured in a factory and the prefabricated pool arrives at its destination and is set in a previously excavated site.  Fiberglass pools also require quite a bit less electricity than other pools.</p>
<p>Concrete Swimming Pools</p>
<p>Concrete is another popular choice for in ground pools.  Concrete pools offer limitless options for shape, configuration, and spa features.  Concrete inground pools are cheaper than fiberglass and can be constructed as per the customer&#8217;s requirements.</p>
<p>Backyard Pools</p>
<p>Backyard swimming pools are not just a great way to exercise and keep fit, but they create an excellent opportunity for family and friends to socialize together.  Inground ground swimming pools above ground swimming pools Action and adventure in your backyard.  Outdoor Living Having a pool in your backyard means you&#8217;ll be spending a lot of time outside.  What backyard haven would be complete without a home swimming pool and spa where you could just relax and forget the problems of the past hours, days, even weeks and simply enjoy the feeling of warm water all over your body, relaxing aching muscles, and drifting the tenseness right out of you.</p>
<p>Summer Swim Parties </p>
<p>You can have family parties, swimming contests, church gatherings, and barbeques on the deck or enjoy a book on a pool float, take a nap on the lounge, listen to the soothing sound of the moving water.  Teenage kids can call over their friends during the weekend and organize small theme parties.  I always loved parties at home everyone is very comfortable.  Swimming pool parties are always lots of fun for the kids.</p>
<p>Making the decision to build a swimming pool is an easy one, especially once you consider the many benefits of pool ownership.  Swimming pool is the ideal place for a person to host informal fun gatherings for friends.  Swimming pool is the excellent place where you can teach your young kid to swim.  Swimming pools can act as an excellent place where you can organize small get together and family gatherings.  Swimming Pools Invest in a swimming pool and you have a constant source of leisure and pleasure right on your doorstep.</p>
<p>Inground Swimming Pools and Fiberglass Swimming Pools - Tom Beaty a real estate broker and home builders in Palm Coast, Flagler County, and Volusia County. Visit: http://www.AffordableFloridaPools.com</p>
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		<title>Saved Heart Failure Patient Outraged at the Ignorance Surrounding Adult Stem</title>
		<link>http://www.mantofa.com/health/saved-heart-failure-patient-outraged-at-the-ignorance-surrounding-adult-stem-30385.html</link>
		<comments>http://www.mantofa.com/health/saved-heart-failure-patient-outraged-at-the-ignorance-surrounding-adult-stem-30385.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>Bradshaw</dc:creator>
		
		<category><![CDATA[Health]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Congestive heart failure patient, Douglas Rice from the U.S., ought to be dead. Instead he is leading a crusade to raise public awareness of the benefits of adult stem cell therapy.
From having three months to live in January of last year to being an outspoken and dedicated activist of the benefits of adult stem cell [...]]]></description>
			<content:encoded><![CDATA[<p>Congestive heart failure patient, Douglas Rice from the U.S., ought to be dead. Instead he is leading a crusade to raise public awareness of the benefits of adult stem cell therapy.</p>
<p>From having three months to live in January of last year to being an outspoken and dedicated activist of the benefits of adult stem cell therapy, Douglas Rice, aged 61, is not to be trifled with. His mission is to reach the 500,000 American heart patients who will die in the next twelve months and tell them they can get their life back.</p>
<p>A Congestive Heart Failure patient, who also suffers from diabetes, Douglas was saved from a disease that kills some 1400 people every day, but he had to go into debt and travel to Bangkok to do what he should have been able to do in the U.S. &#8220;I used my own stem cells and a simple Angioplasty to have my life given back to me,&#8221; he said.</p>
<p>&#8220;These 500,000 heart patients do not make the mainstream press or feature significantly in magazines and politicians do not discuss the issue. The headlines are kept for car accidents and shooting tragedies. No one takes the time of day to pray for the hundreds of thousands - some very young and with families - who die needlessly,&#8221; he said.</p>
<p>He is angry at the endless squandering of public money into embryonic research that has swallowed up billions of dollars and produced not one effective treatment. &#8220;There is something that works now,&#8221; he said, &#8220;What does it take to make people realize that a bird in the hand is worth two in the bush? Adult stem cells are the last hope for many end-stage heart disease patients and the world needs to know about.&#8221;</p>
<p>&#8220;I&#8217;m a very lucky man to have found the answer rather than be in an urn on the fireplace. Those of us who care need to educate everyone, but I can&#8217;t do it on my own, and boy do I need your help!&#8221; he said. </p>
<p>He admits to being a dreamer but he is determined to do his best to save the lives of heart patients because he knows that help is available right now. His first step has been to set up a Website dedicated to providing information and education. He cannot believe that people will not want to get involved. &#8220;One day you, or a loved one, may be where I have been,&#8221; he said.</p>
<p>Jon Bradshaw writes constantly about the next to miraculous effects of adult stem cells. Vescell adult stem cells are the new frontier of regenerative medicine. Find out how adult stem cells offer hope to heart disease or PAD patients at http://www.vescell.com or toll free at 1-866-690-2008.</p>
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		<title>How To Find The Best Real Estate Deals Month After Month</title>
		<link>http://www.mantofa.com/finance/finance-real-estate/how-to-find-the-best-real-estate-deals-month-after-month-30384.html</link>
		<comments>http://www.mantofa.com/finance/finance-real-estate/how-to-find-the-best-real-estate-deals-month-after-month-30384.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>DoctorPre-Foreclosure</dc:creator>
		
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[In almost every seminar I&#8217;ve ever attended, a lot of time has been devoted to teaching attendees how to find good deals. 
Because deal-finding Is so crucial to one&#8217;s investing success, I recently decided to look back and see which methods have generated the most deals and the best deals for me. 
In reviewing the [...]]]></description>
			<content:encoded><![CDATA[<p>In almost every seminar I&#8217;ve ever attended, a lot of time has been devoted to teaching attendees how to find good deals. </p>
<p>Because deal-finding Is so crucial to one&#8217;s investing success, I recently decided to look back and see which methods have generated the most deals and the best deals for me. </p>
<p>In reviewing the 150 properties I&#8217;ve bought or flipped over the last 5 years, I was surprised to find that many of the traditional sources of great deals haven&#8217;t worked for me, while some less obvious methods have been great lead generators. I&#8217;d like to share with you the results of my little inventory.</p>
<p>Good: The Multiple Listing Service. The MLS is essentially a catalog of all the properties listed for sale by brokers. Needless to say, some of them are good deals for investors, and some aren&#8217;t. </p>
<p>The trick is to ferret out which properties have motivated sellers without making offers on all of them. I&#8217;ve honed this skill through years of translating agent lingo like, Handyman&#8217;s special looks bad, smells bad, has at least one major system that doesn&#8217;t function needs TLC ugly, but not smelly, and everything works.</p>
<p>Why it works: Properties listed in the MLS are for sale. This may seem like an obvious statement, but some of the other methods touted as great ways to find deals involve locating owners, then finding out if they want to sell. </p>
<p>Properties in the MLS also have the advantage that all of the information about the property is pretty much laid out for you a major time saver. And, with the sophisticated, computerized access available to your agent.</p>
<p>It&#8217;s a matter of a few keystrokes to view all of the properties that are handyman&#8217;s specials, or bank owned, or in estate, or priced under a certain dollar figure whatever you&#8217;d like to concentrate on.</p>
<p>Another reasons that the MLS has worked so well for me is that I am generally in the market for really ugly properties. Coincidentally, these are the same properties that most agents prefer not to spend a lot of time with. In many cases, they&#8217;re downright cooperative particularly when I&#8217;m offering all cash and a quick closing.</p>
<p>Bad: Direct mail to real estate agents. In 1994, I had the brilliant idea that I might be able to find MLS-listed properties even faster if I simply let agents know what I was looking for. So I purchased 1,200 agent names from the Board of Realtors and generated a 3-part mailing send to every agent in town.</p>
<p>The theme of this campaign was this: if you, Ms. Agent, have a property listed that fits my criteria, I&#8217;ll make an offer and you get to keep the entire commission. Out rolled my brilliant campaign all mailed first class, incidentally and in came the phone calls. All 7 of them. </p>
<p>That&#8217;s right. The week after the first letters went out, we got 7 calls. We had already made offers on three of the properties; two were out of our price range; and two were overpriced listings about to expire.</p>
<p>The next mailing generated even more results about 15 calls all basically in the same categories. The final mailing, a postcard, received no notice at all. Basically, I wasted about $1400 on a campaign that generated absolutely nothing.</p>
<p>What went wrong: I still think that this idea has some merit, but if I do it again, I&#8217;ll make some major changes. First, I&#8217;ll target only the 200 or so agents who list the types of properties I buy. </p>
<p>Second, I&#8217;ll do a better job of writing the letters, emphasizing how the agent and his seller would benefit from working with me. </p>
<p>Third, I&#8217;ll make my campaign a continuous one throughout the year, testing different letters for response and mailing the best to the same agents over and over. </p>
<p>And lastly, I&#8217;ll personalize the campaign by following up with a phone call to the 50 or so best prospects. Oh well,live and learn.</p>
<p>Good: Ads in the Yellow Pages. For 8 years, I&#8217;ve had an ad in the real estate section of the Yellow Pages. Each year, the ad has had some variation of the wording, I buy houses all cash. </p>
<p>This ad only generates 3-4 calls a month, but for some reason the quality of the calls is better than those that are generated by any other method I&#8217;ve ever used. The sellers tend to be motivated, cooperative, and have unlisted properties.</p>
<p>Why it&#8217;s worked for me: I love that you deal with these ads once a year, then forget them. While they&#8217;re pricey up to $3500 per year the phone company will generally bill you monthly for the cost. In addition, as one of the very few ads in the phonebook that promise to buy houses, I haven&#8217;t got much competition.</p>
<p>Bad: Advertised FSBOs. Properties For Sale By Owner, a.k.a. FSBOs, are a favorite for some real estate investors. I, on the other hand, have never purchased a property from an owner who advertised his property for sale rather than calling me.</p>
<p>I&#8217;ve found several problems with trying to buy FSBOs. The first is that some are not actually for sale. Some FSBOs are just testing the market to see what kind of offer&#8217;s he&#8217;ll get. </p>
<p>Other FSBO sellers are very motivated to sell, but don&#8217;t list because they want to keep all of the money from the sale. They don&#8217;t want to pay a commission but they don&#8217;t want to take a lower price, either. </p>
<p>And sometimes a seller chooses to try to sell their property by themselves because they owe too much to pay a 5%-7% commission, even if he sells it at full price.</p>
<p>If you are buying expensive homes creatively, these sellers are ripe for the kind of solution you offer. My strategy is to buy ugly houses cheaply and for cash, and I just don&#8217;t find this type of deal in advertised FSBOs.</p>
<p>Good: Flyers to Targeted Neighborhoods. Last year, I had 10,000 double-sided I buy houses flyers printed. I hired someone to put this flyer in the door of every one, two, or three family property they saw in my farm. </p>
<p>Every 3 weeks, 3,000 of these flyers were delivered, and the response from qualified sellers was excellent. For a cost of less than $500, I made two deals that netted over $6,000.</p>
<p>Bad: Billboards in the same neighborhood. Here&#8217;s a lesson in messing up a good thing: hot on the heels of my massively successful flyer campaign,I decided to spring for four large billboards in the same neighborhood. </p>
<p>The problem was that my marketing budget is only so big, and buying the billboards meant stopping the flyers. Still, I figured that the billboards would get more attention anyway, so I forked over the $1,800 and got absolutely nothing. </p>
<p>Not one single phone call. Not even from an unqualified seller. Not even a wrong number. Nothing. Folks,just stick with what works and you&#8217;ll be fine.</p>
<p>Good: Flapping my gums. Luckily, talking  a lot is something I have little problem with. Laugh if you will, but my willingness to talk about what I do to anyone who will listen or even pretend to listen has made me a lot of money.</p>
<p>For instance, when my new hairdresser asked me what I did for a living, I responded that I buy and sell houses. His immediate reaction was,really? How pretty do they have to be? </p>
<p>Long story short: I bought his unwanted junker house for $4,000 and sold it for $7,000 the same day. When my attorney wanted to know what type of assets I wanted to protect, I told him about my house-buying business. Four months later, he referred a client to me who sold me a $35,000 property for $12,000. You get the picture.</p>
<p>Bad: Using only one lead generator at a time. In my experience, it&#8217;s best to use at least 3 different ways of finding deals at the same time: preferably two you&#8217;ve used before with some success, plus one that you&#8217;re testing. Which brings us to</p>
<p>Ugly: Not knowing which of your deal-finding strategies are working, and which aren&#8217;t. If you&#8217;re going to spend money on flyers or ads or telephone pole signs or whatever, it&#8217;s very important that you pay attention to which methods are generating good leads, and which are duds. </p>
<p>In looking over my own deals was very surprised to discover how many great deals came from attorney referrals a strategy that I haven&#8217;t pursued aggressively, but will in the future. </p>
<p>If you aren&#8217;t tracking your lead generators to discover which are working and which you should give up, you&#8217;re wasting time and money that could be put to use making you deals.</p>
<p>Richard Reichmann is internationally known as a millionaire maker. He&#8217;s a leading consultant in real estate and internet marketing strategies that are profit proven.</p>
<p>Subscribe to our FREE newsletter Value $147.00<br />
http://www.InstantRealEstateWealth.com</p>
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		<title>The Advantages Of Bodybuilding Supplement Review</title>
		<link>http://www.mantofa.com/health/health-supplements-and-vitamins/the-advantages-of-bodybuilding-supplement-review-30383.html</link>
		<comments>http://www.mantofa.com/health/health-supplements-and-vitamins/the-advantages-of-bodybuilding-supplement-review-30383.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>nbisea</dc:creator>
		
		<category><![CDATA[Supplements and Vitamins]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[A bodybuilding supplement review is a great tool whether you are just beginning a new workout routine or if you are an experienced bodybuilder. With bodybuilding supplement reviews, you can get the latest information about a variety of products on the market today. 
The reviews are often posted by experts or other users who have [...]]]></description>
			<content:encoded><![CDATA[<p>A bodybuilding supplement review is a great tool whether you are just beginning a new workout routine or if you are an experienced bodybuilder. With bodybuilding supplement reviews, you can get the latest information about a variety of products on the market today. </p>
<p>The reviews are often posted by experts or other users who have tried the products. As such, you can save money by reading what they have to say before buying it. A bodybuilding supplement guide typically lets you know the positive and negative effects each product can have on your body, too.</p>
<p>One of the leading online muscle supplement reviews can be found at Supplement Judge. On this site, you can get many bodybuilding supplement reviews to help you make a decision. Users rate supplements by product so you can easily search for a specific product and read what others have to say about it. </p>
<p>If you are looking for the best supplements in a specific category, you can even click on one of the many categories (such as General Health, Fat Loss, and Testosterone Level) in order to read bodybuilding supplements reviews of different products in each category. </p>
<p>You can then compare which ones are the right ones to help you meet your goals. It also has a top-rated list for the best reviewed supplements and options to buy products directly from the site for an added measure of convenience.</p>
<p>Another site that offers muscle supplement reviews is Bodybuildingforyou. At this website, you can find bodybuilding supplement reviews that compare the qualities of different brand names. This site also provides users the opportunity to post and read reviews of vitamins and other types of supplements so you can find everything you need at this page. </p>
<p>With an easy-to-read appearance and user-friendly features, this bodybuilding supplement review site is neither intimidating nor overwhelming. For added convenience, visitors can post questions and answers in the site&#8217;s forum or you can even chat live with other users who have experience with supplements. </p>
<p>One of the simplest websites where you can find muscle supplement reviews is at Body Fitness Guide. On this site, you can find basic explanations of bodybuilding supplements as well as short but informative reviews of the products and brands. This site is ideal for beginners who are just starting out in their bodybuilding routine. </p>
<p>By reading bodybuilding supplement reviews on this page, you can get information to help you find the right products to help you meet your goals. You can also use this site as a quick reference because it lists the ingredients in many of the bodybuilding supplements and also information regarding their possible side effects and benefits.</p>
<p>Reading bodybuilding supplement reviews is an excellent way to find the best products for your specific needs. You can read what other people have experienced with different products and the effects that they have noticed. You can also do price comparisons so you can be sure to get the most effective products for your money. </p>
<p>Other sites even provide ways that you can talk with other users in case you have questions or concerns. You can likely find other bodybuilders to answer your questions through chatting or reading forum discussions. </p>
<p>Bodybuilding supplement reviews are an ideal way to make informed and educated decisions regarding the supplements you choose.</p>
<p>The vitamins and supplements portal at http://supplements.mininicherecommends.com/ owned by Mike Selvon contains more great tips on bodybuilding supplement review. Why not visit us and leave a comment at our vitamins and supplements blog at http://www.mynicheportal.com/health-beauty/.</p>
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		<title>Business Coaching #1 - Small Steps Coaching</title>
		<link>http://www.mantofa.com/business/business-work-life-balance/business-coaching-1-small-steps-coaching-30382.html</link>
		<comments>http://www.mantofa.com/business/business-work-life-balance/business-coaching-1-small-steps-coaching-30382.html#comments</comments>
		<pubDate>Tue, 30 Nov 1999 00:00:00 +0000</pubDate>
		<dc:creator>dalidat</dc:creator>
		
		<category><![CDATA[Work Life Balance]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[If you want to initiate change in your life, start small. This has long been been my personal philosophy, but one I found I had to defend when applying it to business. In business, people tend to want to think big, project big, a big logo - they present themselves big to imply that great [...]]]></description>
			<content:encoded><![CDATA[<p>If you want to initiate change in your life, start small. This has long been been my personal philosophy, but one I found I had to defend when applying it to business. In business, people tend to want to think big, project big, a big logo - they present themselves big to imply that great results will follow. I took comfort in the Chinesse philosopher, Lao Tze&#8217;s wisdom: &#8220;If you want to be fast, go slow&#8221; and it all fell into place, as his solid explanation justified my approach.</p>
<p>It is understandable that people perceive their own problems as huge obstacles that can&#8217;t be overcome easily, otherwise they wouldn&#8217;t contact a coach for assistance. Clients often come to me and ask for some great miracle that will take away the great burden that they have. And it is only natural that a coach may sway with the clients&#8217; perspective and indeed suggest great changes when listening and asking questions. However, a sudden big change can induce an avalanche of stress and confusion, emotional reactions start exploding like a newly awakened volcano, while the person is trying to pick up on the new challenges that these changes bring. To put it simply I&#8217;ll quote the famous proverb: &#8220;Be careful what you wish for, you may get it!&#8221; </p>
<p>Recently I worked with a client interested in changing their career, which would be a big change that they had been striving towards for a long time. Understandably, there was a dose of fear preventing them from moving forward. I generally believe that people can follow their dreams and money will come effortlessly, but suggesting such a jump to this client would mean working with a large fear factor and crossing many boundaries heading straight for the risk zone. Instead, the client created a financial plan and visualized their desired future in which they were ready to leave their current work and start with a new profession. The client is ready for the change when their confidence increases, in the meantime you ask yourself (and them) what is the smallest step that they could make to demonstrate that they are moving toward the desired future. Keep adding steps like polishing a sculpture before you are ready to show it to the world.</p>
<p>With changes taken in small steps we create a ripple effect: one after the other more changes follow and initiate the creation of lasting positive change. These changes may include changes of attitude, adjustment of beliefs, even something as simple as clearing your working space to create more clarity in how to manage your time and work efficiently.</p>
<p>As Insoo Kim Berg and Peter Szabo in &#8220;Brief Coaching for Lasting Solutions&#8221; say:</p>
<p>&#8220;Just having a map of where we want to go is the first step of a thousand-mile journey. Since the next step of carrying out the plan depends on the client, and not on the coach, the next phase of discussion must center on what the client needs to do to carry out which step first and what comes second, third, and so on.&#8221;</p>
<p>Enjoy the art of taking the small steps to inspiring change!<br />
Copyright 2006 Dalida Turkovic</p>
<p>Dalida Turkovic, Master Coach and Master NLP Practitioner has lived and worked in China since 1990. Please visit her business coaching website http://www.small-steps-coaching.com and her blog at http://life-coaching-china.blogspot.com/.</p>
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