Off to Alaska: Traveling back to the lower 48
Russian Orthadox Church at Eagle River. Russian Orthadox Church at Eagle River Spirit Houses … Flathead River and Misty. Flathead River and Misty MISTY enjoys the view at the campground … Rest Area South Dakota Misty is there too …  read more…

Blog about hunting » West Deer Hunting
DISCOUNTED 3 DAY WHITETAIL DEER RIFLE HUNTING, SOME OF THE LAND HAS NOT BEEN HUNTED FOR YEARS, BURKE SOUTH DAKOTA (WEST RIVER) ID Number: SD-Deer-All-Burke-Oak Hunting Location: Burke, South Dakota Length of Hunt: 3 Days Animals: … Bring your shotgun, fishing pole and you can hunt pheasants or fish on separate property for an additional fee Food: Breakfast and lunch home cooked meals, dinner in town Opportunity/success: 100% opportunity and success estimated at 99% …  read more…

REGION ROUNDUP: Activists plead not guilty … Old mlitary …
The clams recently were documented in Lewis and Clark Lake on the South Dakota-Nebraska border west of Yankton, S.D. It was the first time they had been found above Gavins Point Dam on the Missouri River. …  read more…

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Mysterious Gleaming Gold
Since prehistoric man first stumbled upon a nugget, raw gold with its radiant sun yellow coloration and metallic luster has captivated and fascinated mankind. The unique gleam of gold attracts the eye…  read more…

Got Gold Fever? Fascinating Gold Facts

Since the dawn of civilization, gold with its radiant sun yellow texture and metallic luster has fascinated and captivated mankind. The unique coloration of gold catches the eye, enabling the see…  read more…

Unlocking the Riddle of Kilgore Minerals: Gold Exploration Inside a Uranium Company?
Unless you are a subscriber to Robert Bishop’s Gold Mining Stock Report, you may not have heard about this budding uranium development company. The company’s share price had a healthy rally after the …  read more…

From GoArticles.com

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Annual Ponca Indian Powwow Begins Four-Day Run Aug. 27 (The Ponca City News)
WHITE EAGLE — White Eagle Park, home of the modern intertribal powwow and listed on the National Register of Historic Places, will be filled with hundreds of campers, dancers and tourists from across the country as the 133rd annual Ponca Indian Powwow begins its four-day run on Thursday.  read more…

Public Notices (Columbia Star)
REQUEST FOR QUALIFICATIONS The City of Columbia, South Carolina requests a statement of qualifications from all interested architectural design consultants for providing programming through construction administration services for the conversion of the site and existing facilities at 4011 West Beltline Boulevard to house its Water Distribution and Wastewater  read more…

Prep football preview: West Fargo (The Fargo Forum)
  The Packers were overachievers last season, according to coach Jay Gibson. Despite entering the year with few returning starters, West Fargo managed to advance to the North Dakota Class 3A quarterfinals in 2008.   Checkout our website WEGOTLAKE.COM!!! KAISER PROPERTIES – Ends Aug 31, 2009  read more…

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Voting Question: What is the Procedural history of St. Paul Fire and Marine Insurance Co. v. Toman?
I am trying to get into insurance sales and I was asked this question by a potential employer after I read a short briefing on the case. I don’t think I don’t think I got it right. Just wondering if I might of said the right thing or not.

Here is the case for quick reference:

Supreme Court of South Dakota.
ST. PAUL FIRE AND MARINE INSURANCE COMPANY, Plaintiff and Appellant,
v.
James T. TOMAN, Defendant and Appellee,
and
Van Collins, Defendant.
No. 14301.

Argued March 20, 1984.
Decided July 3, 1984.

Following filing of claim by insured for fire loss under a valued policy, insurer filed declaratory judgment action, asserting that insured had no insurable interest in house at time of fire. The Circuit Court, Sixth Judicial Circuit, Tripp County, Marvin S. Talbott, J., entered judgment in favor of insured, and insurer appealed. The Supreme Court, Hertz, Circuit Judge, held that: (1) though auctioneer was insured seller’s agent in auction of house which was to be removed from his farmstead, this did not establish authorization to execute instrument of conveyance on behalf of insured; (2) sale of the house was not a sale of an interest in land, and thus provisions of the Uniform Vendor and Purchaser Risk Act did not apply; (3) insured seller retained an insurable interest in the house after auction sale but before it was removed; and (4) insured was entitled to prejudgment interest only from the date of refusal of claim and not from date of fire.

Affirmed, with modification as to prejudgment interest.

West Headnotes

[1] Auctions and Auctioneers 6
47k6 Most Cited Cases
Auctioneer and clerk were agents of seller for purposes of selling his property at public auction sale.

[2] Auctions and Auctioneers 6
47k6 Most Cited Cases
Fact that auctioneer was seller’s agent in selling at public auction a house which was to be removed from seller’s farmstead did not establish that auctioneer was authorized to execute an instrument of conveyance on behalf of seller. SDCL 43-25-1, 59-8-1.

[3] Insurance 1790(5)
217k1790(5) Most Cited Cases
(Formerly 217k115(6))
Provisions of the Uniform Vendor and Purchaser Risk Act were not applicable to determine whether seller of house which was to be removed from his farmstead had an insurable interest therein after auction sale and before removal, since sale of the house was not the sale of an interest in land. SDCL 43-26-7.

[4] Property 4
315k4 Most Cited Cases
Sale at public auction of house which was to be removed from seller’s homestead was not the sale of an interest in land. SDCL 57A-2-107(2).

[5] Insurance 1790(5)
217k1790(5) Most Cited Cases
(Formerly 217k115(6))
Seller of house which was to be removed from his farmstead had insurable interest therein, after auction sale but before the house had been removed, where buyer knew that seller was occupying the house at least on a part-time basis and that removal of house would have to be negotiated with seller. SDCL 57A-2-104(1), 57A-2-107(2), 57A-2-501(2), 57A-2-509(3), 58- 10-8.

[6] Interest 39(2.35)
219k39(2.35) Most Cited Cases
(Formerly 219k39(2))
Insured was entitled to prejudgment interest on claim for fire loss under a valued policy only from the date of refusal of the claim, and not from date of fire, absent showing that insurer was dilatory in conducting an investigation of claim, and absent other evidence upon refusal of claim, date of refusal would be fixed on date that summons and complaint in insurer’s declaratory action was served on insured.
*147 Michael L. Luce of Davenport, Evans, Hurwitz & Smith, Sioux Falls, for plaintiff and appellant; Carleton R. Hoy of Davenport, Evans, Hurwitz & Smith, Sioux Falls, on brief.

Mark F. Marshall of Bangs, McCullen, Butler, Foye & Simmons, Rapid City, for defendant and appellee; Joseph M. Butler of Bangs, McCullen, Butler, Foye & Simmons, Rapid City, and Michael Strain, White River, on brief.

HERTZ, Circuit Judge.

Plaintiff-appellant St. Paul Fire and Marine Insurance Co., (Insurer) appeals from a declaratory judgment in favor of the defendant-appellee, James T. Toman (Toman). The judgment awarded Toman $28,000.00 under a valued policy issued by the insurer, together with prejudgment interest computed from September 26, 1981, the date of the fire. Insurer claims the trial court erred in the awarded judgment, and in the prejudgment interest calculation. We affirm, and modify the prejudgment interest award.

In a newspaper display advertisement Toman advertised his public auction for September 23, 1981. Among the items listed for sale was a 24 foot by 40 foot house which was to be removed from Toman’s farmstead. Prior to the auction sale, the auctioneer announced that the house had to be removed under terms negotiated by the buyer and Toman.

Van Collins was the successful bidder at the sale. He purchased the residence for $3,250.00, and issued his check to the auctioneer f

  read more…

Resolved Question: Questions regarding business law.. Please help?
1. If A corporation markets its products in three states. Under the commerce clause, Congress can regulate

a) any commercial activity in the United States.

b) only commercial activities that are in interstate commerce.

c) only commercial activities that are local.

d) only activities that have nothing to do with commerce

2. Eagle Shipping Company challenges a Florida state statute, claiming that it unlawfully interferes with interstate commerce. A court will likely

a) balance Florida’s interest in regulating the matter against the burden on interstate commerce.

b) balance the burden on Florida against the merit and purpose of interstate commerce.

c) strike the statute.

d) uphold the statute

3. A California state statute bans business entities from making political contributions that individuals can make. A court would likely hold this statute to be

a) an unconstitutional restriction of speech.

b) constitutional under the First Amendment.

c) justified by the need to protect individuals’ rights.

d) necessary to protect state interests

4. An Illinois state statute bans certain advertising to prevent consumers from being misled. A court would likely hold this statute to be

a) an unconstitutional restriction of speech.

b) constitutional under the First Amendment.

c) justified by the need to protect individuals’ rights.

d) necessary to protect state interests

5. Procedures used in South Dakota and other states in making decisions to take life, liberty, or property are the focus of constitutional provisions covering

a) equal protection.

b) procedural due process.

c) substantive due process.

d) the right to privacy.

6. A Connecticut statute that limits the liberty of all persons to engage in a certain activity may violate constitutional provisions covering

a) equal protection.

b) procedural due process.

c) substantive due process.

d) the right to privacy

7. A River City ordinance that restricts most vendors from doing business in a heavily trafficked area might be upheld under constitutional provisions covering

a) equal protection.

b) procedural due process.

c) substantive due process.

d) the right to privacy

8. If Missouri enacts a statute that directly conflicts with a federal law..

a) both laws are invalid.

b) both laws govern concurrently.

c) Missouri’s statute takes precedence.

d) the federal law takes precedence.

9. The First Amendment protects Marco and others from

a) dissemination of obscene materials and speech that harms their good reputations or violates state criminal laws.

b) dissemination of obscene materials only.

c) speech that harms their good reputations or violates state criminal laws only.

d) neither dissemination of obscene materials nor speech that harms their good reputations or violates state criminal laws.

That’s it thanks so much for the much needed help. these were the main questions that were giving me trouble. please only answer if it’s an educated guess. thanks again!!

  read more…

Resolved Question: citizenship english question translate to arabic ?
any one new anywebsite hit me up
?
INS Citizenship Test Questions
The U.S. Citizenship and Immigration Services (USCIS) administers a test to all immigrants applying for citizenship. For years, these questions have been selected from among the following list of 100. How would you do? Many, you will find simple. Others are not so easy. In all cases, the answer USCIS wants to hear is given. (Study Materials and Guides)
NOTE: New Test Questions Coming Oct. 1, 2008
On Oct. 1, 2008 The USCIS will switch a new set of test questions. All applicants who file for naturalization on or after October 1, 2008 will be required to take the redesigned test. For those applicants who file prior to October 1, 2008 but are not interviewed until after October , 2008 (but before October 1, 2009), there will be an option of taking the new test or the current one.
________________________________________
Current USCIS Test Questions
(Click on the question to see the answer.)
1. What are the colors of our flag?
2. How many stars are there in our flag?
3. What color are the stars on our flag?
4. What do the stars on the flag mean?
5. How many stripes are there in the flag?
6. What color are the stripes?
7. What do the stripes on the flag mean?
8. How many states are there in the Union?
9. What is the 4th of July?
10. What is the date of Independence Day?
11. Independence from whom?
12. What country did we fight during the Revolutionary War?
13. Who was the first President of the United States?
14. Who is the President of the United States today?
15. Who is the vice-president of the United States today?
16. Who elects the President of the United States?
17. Who becomes President of the United States if the President should die?
18. For how long do we elect the President?
19. What is the Constitution?
20. Can the Constitution be changed?
21. What do we call a change to the Constitution?
22. How many changes or amendments are there to the Constitution?
23. How many branches are there in our government?
24. What are the three branches of our government?
25. What is the legislative branch of our government?
26. Who makes the laws in the United States?
27. What is the Congress?
28. What are the duties of Congress?
29. Who elects the Congress?
30. How many senators are there in Congress?
31. Can you name the two senators from your state?
32. For how long do we elect each senator?
33. How many representatives are there in Congress?
34. For how long do we elect the representatives?
35. What is the executive branch of our government?
36. What is the judiciary branch of our government?
37. What are the duties of the Supreme Court?
38. What is the supreme court law of the United States?
39. What is the Bill of Rights?
40. What is the capital of your state?
41. Who is the current governor of your state?
42. Who becomes President of the United States if the President and the vice-president should die?
43. Who is the Chief Justice of the Supreme Court?
44. Can you name thirteen original states?
45. Who said, “Give me liberty or give me death.”?
46. Which countries were our enemies during World War II?
47. What are the 49th and 50th states of the Union?
48. How many terms can the President serve?
49. Who was Martin Luther King, Jr.?
50. Who is the head of your local government?
51. According to the Constitution, a person must meet certain requirements in order to be eligible to become President. Name one of these requirements.
52. Why are there 100 Senators in the Senate?
53. Who selects the Supreme Court justice?
54. How many Supreme Court justice are there?
55. Why did the Pilgrims come to America?
56. What is the head executive of a state government called?
57. What is the head executive of a city government called?
58. What holiday was celebrated for the first time by the Americans colonists?
59. Who was the main writer of the Declaration of Independence?
60. When was the Declaration of Independence adopted?
61. What is the basic belief of the Declaration of Independence?
62. What is the national anthem of the United States?
63. Who wrote the Star-Spangled Banner?
64. Where does freedom of speech come from?
65. What is a minimum voting age in the United States?
66. Who signs bills into law?
67. What is the highest court in the United States?
68. Who was the President during the Civil War?
69. What did the Emancipation Declaration do?
70. What special group advises the President?
71. Which President is called the “Father of our country”?
72. What Immigration and Naturalization Service form is used to apply to become a naturalized citizen?
73. Who helped the Pilgrims in America?
74. What is the name of the ship that brought the Pilgrims to America?
75. What are the 13 original states of the U.S. called?
76. Name 3 rights of freedom guaranteed by the Bill of Rights.
77. Who has the power to declare the war?
78. What kind of government does the United States have?
79. Which President freed the slaves?
80. In what year was the Constitution written?
81. What are the first 10 amendments to the Constitution called?
82. Name one purpose of the United Nations?
83. Where does Congress meet?
84. Whose rights are guaranteed by the Constitution and the Bill of Rights?
85. What is the introduction to the Constitution called?
86. Name one benefit of being citizen of the United States.
87. What is the most important right granted to U.S. citizens?
88. What is the United States Capitol?
89. What is the White House?
90. Where is the White House located?
91. What is the name of the President’s official home?
92. Name the right guaranteed by the first amendment.
93. Who is the Commander in Chief of the U.S. military?
94. Which President was the first Commander in Chief of the U.S. military?
95. In what month do we vote for the President?
96. In what month is the new President inaugurated?
97. How many times may a Senator be re-elected?
98. How many times may a Congressman be re-elected?
99. What are the 2 major political parties in the U.S. today?
100. How many states are there in the United States today?
________________________________________
1. What are the colors of our flag?
Red, White, and Blue.
2. How many stars are there in our flag?
50
3. What color are the stars on our flag?
White.
4. What do the stars on the flag mean?
One for each state in the Union.
5. How many stripes are there in the flag?
13
6. What color are the stripes?
Red and White.
7. What do the stripes on the flag mean?
They represent the original 13 states.
8. How many states are there in the Union?
50
9. What is the 4th of July?
Independence Day.
10. What is the date of Independence Day?
July 4th
11. Independence from whom?
England
12. What country did we fight during the Revolutionary War?
England
13. Who was the first President of the United States?
George Washington
14. Who is the President of the United States today?
Currently George W. Bush
15. Who is the vice-president of the United States today?
Currently Richard B. (”Dick”) Cheney
16. Who elects the President of the United States?
The electoral college
17. Who becomes President of the United States if the President should die?
Vice – President
18. For how long do we elect the President?
Four years
19. What is the Constitution?
The supreme law of the land
20. Can the Constitution be changed?
Yes
21. What do we call a change to the Constitution?
An Amendment
22. How many changes or amendments are there to the Constitution?
27
23. How many branches are there in our government?
3
24. What are the three branches of our government?
Legislative, Executive, and Judiciary
25. What is the legislative branch of our government?
Congress
26. Who makes the laws in the United States?
Congress
27. What is the Congress?
The Senate and the House of Representatives
28. What are the duties of Congress?
To make laws
29. Who elects the Congress?
The people
30. How many senators are there in Congress?
100
31. Can you name the two senators from your state?
(insert local information)
32. For how long do we elect each senator?
6 years
33. How many representatives are there in Congress?
435
34. For how long do we elect the representatives?
2 years
35. What is the executive branch of our government?
The President, vice president, cabinet, and departments under the cabinet members
36. What is the judiciary branch of our government?
The Supreme Court
37. What are the duties of the Supreme Court?
To interpret laws
38. What is the supreme court law of the United States?
The Constitution
39. What is the Bill of Rights?
The first 10 amendments of the Constitution
40. What is the capital of your state?
(insert local information)
41. Who is the current governor of your state?
(insert local information)
42. Who becomes President of the United States if the President and the vice-president should die?
Speaker of the House of Representative
43. Who is the Chief Justice of the Supreme Court?
William Rehnquist (or whoever is next)
44. Can you name thirteen original states?
Connecticut, New Hampshire, New York, New Jersey, Massachusetts, Pennsylvania, Delaware, Virginia, North Carolina, South Carolina, Georgia, Rhode Island, and Maryland.
45. Who said, “Give me liberty or give me death.”?
Patrick Henry
46. Which countries were our enemies during World War II?
Germany, Italy, and Japan
47. What are the 49th and 50th states of the Union?
Hawaii and Alaska
48. How many terms can the President serve?
2
49. Who was Martin Luther King, Jr.?
A civil rights leader
50. Who is the head of your local government?
(insert local information)
51. According to the Constitution, a person must meet certain requirements in order to be eligible to become President. Name one of these requirements.
Must be a natural born citizen of the United States; must be at least 35 years old by the time he/she will serve; must have lived in the United States for at least 14 years.
52. Why are there 100 Senators in the Senate?
Two (2) from each state
53. Who selects the Supreme Court justice?
Appointed by the President
54. How many Supreme Court justice are there?
Nine (9)
55. Why did the Pilgrims come to America?
For religious freedom
56. What is the head executive of a state government called?
Governor
57. What is the head executive of a city government called?
Mayor
58. What holiday was celebrated for the first time by the Americans colonists?
Thanksgiving
59. Who was the main writer of the Declaration of Independence?
Thomas Jefferson
60. When was the Declaration of Independence adopted?
July 4, 1776
61. What is the basic belief of the Declaration of Independence?
That all men are created equal
62. What is the national anthem of the United States?
The Star-Spangled Banner
63. Who wrote the Star-Spangled Banner?
Francis Scott Key
64. Where does freedom of speech come from?
The Bill of Rights
65. What is a minimum voting age in the United States?
Eighteen (18)
66. Who signs bills into law?
The President
67. What is the highest court in the United States?
The Supreme Court
68. Who was the President during the Civil War?
Abraham Lincoln
69. What did the Emancipation Declaration do?
Freed many slaves
70. What special group advises the President?
The Cabinet
71. Which President is called the “Father of our country”?
George Washington
72. What Immigration and Naturalization Service form is used to apply to become a naturalized citizen?
Form N-400, Application to File Petition for Naturalization
73. Who helped the Pilgrims in America?
The American-Indians (Native Americans)
74. What is the name of the ship that brought the Pilgrims to America?
The Mayflower
75. What are the 13 original states of the U.S. called?
Colonies
76. Name 3 rights of freedom guaranteed by the Bill of Rights.
The right of freedom of speech, press, religion, peaceable assembly, and requesting change of government.
The right to bear arms (the right to have weapons or own a gun, though subject to certain regulations).
The government may not quarter, or house, soldiers in the people’s homes during peacetime without the people’s consent.
The government may not search or take a person’s property without a warrant.
A person may not be tried twice for the same crime and does not have to testify against him/herself.
A person charged with a crime still has some rights, such as the right to a trial and to have a lawyer.
The right to trial by jury in most cases.
Protects people against excessive or unreasonable fines or cruel and unusual punishment.
The people have rights other than those mentioned in the Constitution.
Any power not given to the federal government by the Constitution is a power of either the state or the people.
77. Who has the power to declare the war?
The Congress
78. What kind of government does the United States have?
Democracy
79. Which President freed the slaves?
Abraham Lincoln
80. In what year was the Constitution written?
1787
81. What are the first 10 amendments to the Constitution called?
The Bill of Rights
82. Name one purpose of the United Nations?
For countries to discuss and try to resolve world problems, to provide economic aid to many countries.
83. Where does Congress meet?
In the Capitol in Washington, D.C.
84. Whose rights are guaranteed by the Constitution and the Bill of Rights?
Everyone (citizens and non-citizens) living in U.S.
85. What is the introduction to the Constitution called?
The Preamble
86. Name one benefit of being citizen of the United States.
Obtain federal government jobs, travel with U.S. passport, petition for close relatives to come to the U.S. to live.
87. What is the most important right granted to U.S. citizens?
The right to vote
88. What is the United States Capitol?
The place where Congress meets
89. What is the White House?
The President’s official home
90. Where is the White House located?
Washington, D.C. (1600 Pennsylvania Avenue, N.W.)
91. What is the name of the President’s official home?
The White House
92. Name the right guaranteed by the first amendment.
Freedom of: speech, press, religion, peaceable assembly, and requesting change of the government.
93. Who is the Commander in Chief of the U.S. military?
The President
94. Which President was the first Commander in Chief of the U.S. military?
George Washington
95. In what month do we vote for the President?
November
96. In what month is the new President inaugurated?
January
97. How many times may a Senator be re-elected?
There is no limit
98. How many times may a Congressman be re-elected?
There is no limit
99. What are the 2 major political parties in the U.S. today?
Democratic and Republican
100. How many states are there in the United States today?
Fifty (50)

New Naturalization Test Questions
Beginning on Oct. 1, 2008, the U.S. Citizenship and Immigration Services (USCIS) will replace the set of questions currently used as part of the citizenship test with the questions listed here. All applicants who file for naturalization on or after October 1, 2008 will be required to take the new test. For those applicants who file prior to October 1, 2008 but are not interviewed until after October , 2008 (but before October 1, 2009), there will be an option of taking the new test or the current one.
New Test Questions and Answers
Some questions have more than one correct answer. In those cases, all acceptable answers are shown. All answers are shown exactly as worded by the U.S. Citizenship and Immigration Services.
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
AMERICAN GOVERNMENT
A. Principles of American Democracy
1. What is the supreme law of the land?
A: The Constitution
2. What does the Constitution do?
A: sets up the government
A: defines the government
A: protects basic rights of Americans
3. The idea of self-government is in the first three words of the Constitution. What are these words?
A: We the People
4. What is an amendment?
A: a change (to the Constitution)
A: an addition (to the Constitution)
5. What do we call the first ten amendments to the Constitution?
A: The Bill of Rights
6. What is one right or freedom from the First Amendment?*
A: speech
A: religion
A: assembly
A: press
A: petition the government
7. How many amendments does the Constitution have?
A: twenty-seven (27)
8. What did the Declaration of Independence do?
A: announced our independence (from Great Britain)
A: declared our independence (from Great Britain)
A: said that the United States is free (from Great Britain)
9. What are two rights in the Declaration of Independence?
A: life
A: liberty
A: pursuit of happiness
10. What is freedom of religion?
A: You can practice any religion, or not practice a religion.
11. What is the economic system in the United States?*
A: capitalist economy
A: market economy
12. What is the “rule of law”?
A: Everyone must follow the law.
A: Leaders must obey the law.
A: Government must obey the law.
A: No one is above the law.
B. System of Government
13. Name one branch or part of the government.*
A: Congress
A: legislative
A: President
A: executive
A: the courts
A: judicial
14. What stops one branch of government from becoming too powerful?
A: checks and balances
A: separation of powers
15. Who is in charge of the executive branch?
A: the President
16. Who makes federal laws?
A: Congress
A: Senate and House (of Representatives)
A: (U.S. or national) legislature
17. What are the two parts of the U.S. Congress?*
A: the Senate and House (of Representatives)
18. How many U.S. Senators are there?
A: one hundred (100)
19. We elect a U.S. Senator for how many years?
A: six (6)
20. Who is one of your state’s U.S. Senators?*
A: Answers will vary. [For District of Columbia residents and residents of U.S. territories, the answer is that D.C. (or the territory where the applicant lives) has no U.S. Senators.]
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
21. The House of Representatives has how many voting members?
A: four hundred thirty-five (435)
22. We elect a U.S. Representative for how many years?
A: two (2)
23. Name your U.S. Representative.
A: Answers will vary. [Residents of territories with nonvoting Delegates or resident Commissioners may provide the name of that Delegate or Commissioner. Also acceptable is any statement that the territory has no (voting) Representatives in Congress.]
24. Who does a U.S. Senator represent?
A: all people of the state
25. Why do some states have more Representatives than other states?
A: (because of) the state’s population
A: (because) they have more people
A: (because) some states have more people
26. We elect a President for how many years?
A: four (4)
27. In what month do we vote for President?*
A: November
28. What is the name of the President of the United States now?*
A: George W. Bush
A: George Bush
A: Bush
29. What is the name of the Vice President of the United States now?
A: Richard Cheney
A: Dick Cheney
A: Cheney
30. If the President can no longer serve, who becomes President?
A: the Vice President
31. If both the President and the Vice President can no longer serve, who becomes President?
A: the Speaker of the House
32. Who is the Commander in Chief of the military?
A: the President
33. Who signs bills to become laws?
A: the President
34. Who vetoes bills?
A: the President
35. What does the President’s Cabinet do?
A: advises the President
36. What are two Cabinet-level positions?
A: Secretary of Agriculture
A: Secretary of Commerce
A: Secretary of Defense
A: Secretary of Education
A: Secretary of Energy
A: Secretary of Health and Human Services
A: Secretary of Homeland Security
A: Secretary of Housing and Urban Development
A: Secretary of Interior
A: Secretary of State
A: Secretary of Transportation
A: Secretary of Treasury
A: Secretary of Veterans’ Affairs
A: Secretary of Labor
A: Attorney General
37. does the judicial branch do?
A: reviews laws
A: explains laws
A: resolves disputes (disagreements)
A: decides if a law goes against the Constitution
38. What is the highest court in the United States?
A: the Supreme Court
39. How many justices are on the Supreme Court?
A: nine (9)
40. Who is the Chief Justice of the United States?
A: John Roberts (John G. Roberts, Jr.)
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
41. Under our Constitution, some powers belong to the federal government. What is one power of the federal government?
A: to print money
A: to declare war
A: to create an army
A: to make treaties
42. Under our Constitution, some powers belong to the states. What is one power of the states?
A: provide schooling and education
A: provide protection (police)
A: provide safety (fire departments)
A: give a driver’s license
A: approve zoning and land use
43. Who is the Governor of your state?
A: Answers will vary. [Residents of the District of Columbia and U.S. territories without a Governor should say "we don't have a Governor."]
44. What is the capital of your state?*
A: Answers will vary. [District of Columbia residents should answer that D.C. is not a state and does not have a capital. Residents of U.S. territories should name the capital of the territory.]
45. What are the two major political parties in the United States?*
A: Democratic and Republican
46. What is the political party of the President now?
A: Republican (Party)
47. What is the name of the Speaker of the House of Representatives now?
A: (Nancy) Pelosi
C: Rights and Responsibilities
48. There are four amendments to the Constitution about who can vote. Describe one of them.
A: Citizens eighteen (18) and older (can vote).
A: You don’t have to pay (a poll tax) to vote.
A: Any citizen can vote. (Women and men can vote.)
A: A male citizen of any race (can vote).
49. What is one responsibility that is only for United States citizens?*
A: serve on a jury
A: vote
50. What are two rights only for United States citizens?
A: apply for a federal job
A: vote
A: run for office
A: carry a U.S. passport
51. What are two rights of everyone living in the United States?
A: freedom of expression
A: freedom of speech
A: freedom of assembly
A: freedom to petition the government
A: freedom of worship
A: the right to bear arms
52. What do we show loyalty to when we say the Pledge of Allegiance?
A: the United States
A: the flag
53. What is one promise you make when you become a United States citizen?
A: give up loyalty to other countries
A: defend the Constitution and laws of the United States
A: obey the laws of the United States
A: serve in the U.S. military (if needed)
A: serve (do important work for) the nation (if needed)
A: be loyal to the United States
54. How old do citizens have to be to vote for President?*
A: eighteen (18) and older
55. What are two ways that Americans can participate in their democracy?
A: vote
A: join a political party
A: help with a campaign
A: join a civic group
A: join a community group
A: give an elected official your opinion on an issue
A: call Senators and Representatives
A: publicly support or oppose an issue or policy
A: run for office
A: write to a newspaper
56. When is the last day you can send in federal income tax forms?*
A: April 15
57. When must all men register for the Selective Service?
A: at age eighteen (18)
A: between eighteen (18) and twenty-six (26)
AMERICAN HISTORY
A: Colonial Period and Independence
58. What is one reason colonists came to America?
A: freedom
A: political liberty
A: religious freedom
A: economic opportunity
A: practice their religion
A: escape persecution
59. Who lived in America before the Europeans arrived?
A: Native Americans
A: American Indians
60. What group of people was taken to America and sold as slaves?
A: Africans
A: people from Africa
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
61. Why did the colonists fight the British?
A: because of high taxes (taxation without representation)
A: because the British army stayed in their houses (boarding, quartering)
A: because they didn’t have self-government
62. Who wrote the Declaration of Independence?
A: (Thomas) Jefferson
63. When was the Declaration of Independence adopted?
A: July 4, 1776
64. There were 13 original states. Name three.
A: New Hampshire
A: Massachusetts
A: Rhode Island
A: Connecticut
A: New York
A: New Jersey
A: Pennsylvania
A: Delaware
A: Maryland
A: Virginia
A: North Carolina
A: South Carolina
A: Georgia
65. What happened at the Constitutional Convention?
A: The Constitution was written.
A: The Founding Fathers wrote the Constitution.
66. When was the Constitution written?
A: 1787
67. The Federalist Papers supported the passage of the U.S. Constitution. Name one of the writers.
A: (James) Madison
A: (Alexander) Hamilton
A: (John) Jay
A: Publius
68. What is one thing Benjamin Franklin is famous for?
A: U.S. diplomat
A: oldest member of the Constitutional Convention
A: first Postmaster General of the United States
A: writer of “Poor Richard’s Almanac”
A: started the first free libraries
69. Who is the “Father of Our Country”?
A: (George) Washington
70. Who was the first President?*
A: (George) Washington
B: 1800s
71. What territory did the United States buy from France in 1803?
A: the Louisiana Territory
A: Louisiana
72. Name one war fought by the United States in the 1800s.
A: War of 1812
A: Mexican-American War
A: Civil War
A: Spanish-American War
73. Name the U.S. war between the North and the South.
A: the Civil War
A: the War between the States
74. Name one problem that led to the Civil War.
A: slavery
A: economic reasons
A: states’ rights
75. What was one important thing that Abraham Lincoln did?*
A: freed the slaves (Emancipation Proclamation)
A: saved (or preserved) the Union
A: led the United States during the Civil War
76. What did the Emancipation Proclamation do?
A: freed the slaves
A: freed slaves in the Confederacy
A: freed slaves in the Confederate states
A: freed slaves in most Southern states
77. What did Susan B. Anthony do?
A: fought for women’s rights
A: fought for civil rights
C: Recent American History and Other Important Historical Information
78. Name one war fought by the United States in the 1900s.*
A: World War I
A: World War II
A: Korean War
A: Vietnam War
A: (Persian) Gulf War
79. Who was President during World War I?
A: (Woodrow) Wilson
80. Who was President during the Great Depression and World War II?
A: (Franklin) Roosevelt
* If you are 65 years old or older and have been a legal permanent resident of the United States for 20 or more years, you may study just the questions that have been marked with an asterisk.
81. Who did the United States fight in World War II?
A: Japan, Germany and Italy
82. Before he was President, Eisenhower was a general. What war was he in?
A: World War II
83. During the Cold War, what was the main concern of the United States?
A: Communism
84. What movement tried to end racial discrimination?
A: civil rights (movement)
85. What did Martin Luther King, Jr. do?*
A: fought for civil rights
A: worked for equality for all Americans
86. What major event happened on September 11, 2001 in the United States?
A: Terrorists attacked the United States.
87. Name one American Indian tribe in the United States.
[Adjudicators will be supplied with a complete list.]
A: Cherokee
A: Navajo
A: Sioux
A: Chippewa
A: Choctaw
A: Pueblo
A: Apache
A: Iroquois
A: Creek
A: Blackfeet
A: Seminole
A: Cheyenne
A: Arawak
A: Shawnee
A: Mohegan
A: Huron
A: Oneida
A: Lakota
A: Crow
A: Teton
A: Hopi
A: Inuit
INTEGRATED CIVICS
A: Geography
88. Name one of the two longest rivers in the United States.
A: Missouri (River)
A: Mississippi (River)
89. What ocean is on the West Coast of the United States?
A: Pacific (Ocean)
90. What ocean is on the East Coast of the United States?
A: Atlantic (Ocean)
91. Name one U.S. territory.
A: Puerto Rico
A: U.S. Virgin Islands
A: American Samoa
A: Northern Mariana Islands
A: Guam
92. Name one state that borders Canada.
A: Maine
A: New Hampshire
A: Vermont
A: New York
A: Pennsylvania
A: Ohio
A: Michigan
A: Minnesota
A: North Dakota
A: Montana
A: Idaho
A: Washington
A: Alaska
93. Name one state that borders Mexico.
A: California
A: Arizona
A: New Mexico
A: Texas
94. What is the capital of the United States?*
A: Washington, D.C.
95. Where is the Statue of Liberty?*
A: New York (Harbor)
A: Liberty Island
[Also acceptable are New Jersey, near New York City, and on the Hudson (River).]
B. Symbols
96. Why does the flag have 13 stripes?
A: because there were 13 original colonies
A: because the stripes represent the original colonies
97. Why does the flag have 50 stars?*
A: because there is one star for each state
A: because each star represents a state
A: because there are 50 states
98. What is the name of the national anthem?
A: The Star-Spangled Banner
C: Holidays
99. When do we celebrate Independence Day?*
A: July 4
100. Name two national U.S. holidays.
A: New Year’s Day
A: Martin Luther King, Jr., Day
A: Presidents’ Day
A: Memorial Day
A: Independence Day
A: Labor Day
A: Columbus Day
A: Veterans Day
A: Thanksgiving
A: Christmas

  read more…

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Carbon offset is a huge help to save the world from the damaging effects of ecological deterioration and global warming by its attempts to reduce carbon emissions in big industries and manufacturing units, as well as at an individual level.

Carbon offset is a method of reducing the emission of harmful greenhouse gases through different ways like continuous reforestation initiatives, alternative and renewable energy supply etc. The greenhouse gas emission caps for developed and emerging countries are regulated by the Kyoto Protocol, an internationally accepted pact, which was ratified in 2005 by almost all countries of the world.

According to the Protocol, companies belching out thousands of kilos of carbon dioxide have to either reduce on their emissions to the permitted levels, purchase carbon credits certificates, which can be traded on the bourses, or otherwise end up paying a carbon tax in order to be compliant with the prescribed reduction. Carbon credits, which are older than carbon offset, are extremely popular and economical options for companies, with one credit permitting the owner to release one tonne of carbon dioxide into the environment. Many big industries voluntarily buy carbon credits in a bid to create and project their carbon neutral stance before investors, clients, and corporate partners.

Another innovative method, carbon offset, has opened up an excellent financial chance, particularly in the developing countries, as the scheme provides adequate funding for green projects that are designed to help reduce the overall carbon footprint in the world. It greatly helps in promoting renewable and eco-friendly energy alternatives like tidal energy and wind energy, and in financing projects on nature conservation and reforestation.

Apart from the industries, even ordinary persons are contributing to the environment by buying carbon offset and motivating others to do the same. Carbon offsets are available for buying online through many providers, but it should be checked that the provider is actually channelling money into impactful carbon reduction initiatives.

Although carbon offset is a great option we should also keep in mind that we need to take more proactive steps by making small environment supportive decisions in our everyday lives. What we can do additionally from our side to safeguard the environment is to adopt small steps like using renewable fuels such as biodiesel, and buying LED lights instead of high-energy bulbs, and use only as much energy as we need.

Carbon offset is still not a familiar word for a layman. Spreading relevant knowledge of the idea will go a long way in creating a green and pollution-free environment.

Technorati Tags: carbon offset, carbon trading, Real Estate

We’ve all seen those late-night TV infomercials about people claiming you can get rich through real estate investing. When I saw one we already owned a couple of properties, but we were nowhere near getting rich. So I figured I’d go and pick up a few tips and tricks. Maybe I could even afford to quit my job in a few years. So I went to the hotel where the free course was being offered on my lunch hour.

They didn’t teach me a darn thing about real estate investing, but they sure had me pumped up and excited to be a millionaire real estate investor. I barely flinched when I paid $2,000 to attend an upcoming weekend course. I could even bring someone at no additional cost! I could already taste financial freedom.

Well, at this one course, I learned a lot. But what I really learned was that I didn’t really know much at all.

They gave me a lot of good information at this course. I got a lot of tools that I could use immediately, but they also convinced me that taking more classes would guarantee my success. Before it was all over, I had spent another $20,000 on real estate investing classes. One of the first assignments that I completed was to flip a property. I also completed two no money down investment purchases. Some people might consider that a success, but it turned out that I had made some bad decisions that haunted me for years to come.

Despite everything I went through, I still believe that a real estate investing class is the best thing for beginners. However, I have some tips to get the most out of this type of class:

– Clearly Define your Objectives. It’s good to know what your objectives are before you go. How much risk are you comfortable with? Are you comfortable being just a landlord, or are you interested in also performing minor (or major) repairs to your property yourself? Do you have a certain dollar amount in your head that you would like to make from your investments? It’s a good idea to write all these down before you go sign up for a course.

– Do your research! A quick online search for real estate investing courses will turn up a lot of options. Go online and look for forums or reviews of the course. Ask friends and family if they know of anyone that has taken a real estate investing course.

– Research the company. You can most likely get information for the company offering the course by mail or on the Internet. Some of the most important information you’ll get is the speaker’s bio. The bio will tell you what makes this teacher qualified to teach the subject. Believe me, people like Robert Allen, Donald Trump, and Russ Whitney do not teach classes like this.

– Leave Your Visa At Home, or At Least Know Your Limits. Before you leave the house to go to the FREE course or the paid weekend on real estate investing, decide what is the maximum amount you will pay for the initial course or any subsequent courses and materials. It’s important to do this BEFORE you attend the course. When you attend the FREE or the less expensive courses, the up-sell is going to be hard to resist, as you will be offered the rock bottom price, but “only if you sign up today”. And every bone in your body might be absolutely convinced that you NEED this to achieve your greatest dreams. If you go in with a threshold of, for instance $3,000, then you can hopefully better control what you actually spend on a future course. Emotion plays a big role in your decision to spend more money, and the programs out there feed on this. Take the “impulse” decision out of the equation by knowing what your objectives are and how much you’re willing to spend to achieve those objectives.

– Take Action! So you found a course that was aligned with your objectives, you met some great people and you’re now armed with some tools and tricks to start building your real estate portfolio. Here’s the key to making your course work for you: Get off your butt and use what you learned!

I met with a few different people at one of the courses I attended and they said this was their 4th or 5th course and they still hadn’t bought anything! I estimated they had spent about $30,000 on courses and did not have anything to show for it – except a fair amount of theoretical knowledge!

Always remember- having knowledge is great, but it won’t earn you any money. It’s only in using what you’ve learned can you ever hope to achieve your goals.

Technorati Tags: buying rental property, money making, negotiation, personal finance, property management, Real Estate, real estate classes, Real Estate investing, real estate programs, wealth

If you are contemplating letting out your property, then it is a good idea to consider using a fully managed service for letting out the property. Opting for a managed service is a good idea because it assures that you go through the whole process easily.

New landlords must hire the fully managed services. These services are extremely paying back for the landlords. These fully managed services offer many services but depends upon you what you require from them.

If property is your side business and you find yourself involved in other main business, then certainly you must get the services of fully managed service. They will assist you to hold the matter without giving you any problem. They will keep an eye on your property to watch it as you would. They will observe the ways to advertise your property to rent it out with maximum benefits.

You should know that advertising of the property is only one of the jobs they do for you; they will also scrutinise the possible tenants who are going to occupy your property with their expert perspective. They will advise to you to let your property to a tenant whom they think suitable. Nevertheless, the final word is yours they are just the intermediary link in the whole process.

Other tasks of the service providers are to look after your property after it has been let out. They check the conditions of your assets and they will push for the required maintenance of the property. They will do all the work and you do not have to involve yourself physically.

These service providers confirm rent collection from the tenants and you do not have to be troubled about it at all. They prepare all the legal documents like the lease agreement and totally fulfil the lawful requirements to protect your benefits.

On the other hand, the tenants also feel safe in contacting the fully managed services for their requirement of property because of proper legal work and the services. These services are offered round the clock in case of any importunity. They check all the things before and after renting the property, such as the utility bills and other facilities. These are needed to be in proper condition and are good for both the parties.

Other than the initial property inspection, a fully managed service also performs regular inspections to look for any maintenance requirements related to the property. When a landlord gets a fully managed service, there is no need to be concerned about any matter related to the tenants. A complete managed facility also keeps the inventory of the property for the landlord and performs monthly accounting for the ease of the landlord. All these features of a fully managed service are great for people who are not able to perform any of the mentioned tasks because of their other engagements. Hence, a fully managed service is the right answer to the problems of landlords.

Technorati Tags: apartments to rent manchester, estate agents manchester, leftbank apartments, letting, Real Estate, rent

During hard times, you can sometimes face overwhelming debt. This can make it very difficult to keep up with all your bills.

The National Credit Act went into effect on June 1st, 2007. This introduced something called Debt Counseling or Debt Review. In effect, if you have over-extended yourself financially, this program is there to offer you help. It provides a way for you to restructure your debt. The eventual goal is to meet those outstanding obligations and credit agreements.

One way of doing that is with Debt Counseling. This program was developed to help consumers who simply could not meet their credit agreements and the fundamental living expenses. With this type of program, a debt counselor will negotiate with your creditors, and get reduced monthly payments. Creditors can no longer take legal action once a debt counselor has contacted them. The counselor, working on your behalf, will negotiate with your creditors. They work out monthly payments and usually get interest rates reduced. Debt counselors often charge a fee for their services.

Debt Counseling is one method of doing this. This program is supposed to help consumers who cannot meet their credit agreements and living expenses. A debt counselor will negotiate with your creditors, and work out lower monthly payments for you. In addition, your creditors can no longer take legal action once a debt counselor contacts them. The counselor will negotiate with your creditors, working out monthly payments and typically getting interest rates reduced. Debt counselors charge a fee for their services.

Debt settlement is another option. This solution involves negotiating with creditors and credit card companies, to settle on an amount of money to be paid, to consider the account paid in full. Most creditors are willing to settle, even if they do not get all their money. They know that if bankruptcy is filed, they receive nothing.

Debt consolidation is something you might consider. With this option you would take out a loan to pay off several debts that have been consolidated. Usually, the loan comes at a lower interest rate, and you end up with just one monthly payment.

Applying for bankruptcy should really be a last resort. When you choose bankruptcy, the damage to your credit rating is long term. Bankruptcy will require the debtor to liquidate all assets of any value. The money is then used to pay creditors, and any outstanding debt is negated.

Repossession is the biggest concern when you are in bond arrears. An illness or layoff can turn into a nightmare if you fall behind on bond payments. That can result in the loss of your property, as the bank will foreclose. Selling the property to your creditor is one way of avoiding foreclosure and repossession of property. As you can see, financial planning is vital

One way to protect yourself is to get a Bond Payment Protection Plan. This type of policy protects and covers your bond payment, in the event of an unforeseen problem. So, if you are unable to make your payment because of illness or unemployment, the insurance company assumes the payment. If you make use of this option, check pertinent provisions in your policy. You will want to make sure you understand exactly what is covered, and under what conditions.

Technorati Tags: credit, finance, loans, money, mortgage, property, Real Estate

I have two younger brothers. And as their older sister, I cannot help but worry about them and their future. It’s my job as the older sister. And lately, I have been worrying about my brother that is closest to me in age.

My oldest brother is a gifted carpenter. He used to be a chef and he was very good at that too. He is also great at rebuilding and repairing cars. His skills, patience and attention to detail are remarkable. However, this is not true when it comes to how he manages his money.

As he is only in his early thirties, he’s happy to keep working for the next 30 years, but I do worry about the fact that he’s only saved a little bit for his retirement. None of us can rely on pensions or government funding to support our retirement anymore so we all should start thinking about our futures today!

So, I decided to make a plan for him. There are probably a lot of ways he could save money, but the big thing I focused in on was the fact that he owns three cars! One of the cars has to go, and with it gone, he will be able to save about $500/month, plus he can add the proceeds of the sale to his savings.

He can also make extra money by taking on extra jobs. These don’t need to be full time jobs- just little side jobs such as kitchen renovations or building fences. Even if he only works weekends, he can have enough saved to put 10% down on a $200,000 house that he can fix up and rent out.

For a couple of years, he can live there while fixing it up and continuing to save more money. Then, he will turn that house into a rental property, renting it out for about $1,400/month. He then buys and moves into a new property that he will call home.

Now, keeping this really simple, lets look at what my brother has when he retires in 25 years:

If his repairs add $25,000 in value and the house appreciates by 4% every year, then in 25 years it’ll be worth approximately $576,743. That means that his original investment has almost tripled in 25 years! Imagine- $1,900 a month of someone else’s money going toward his retirement ($576,000 divided by 25 years divided by 12 months)!

If you’re wondering where the 4% comes from, properties increase in value on the average of 4% every year, even with ups and downs in the real estate market. But even if it doesn’t increase quite that much, the tenants have still paid off the mortgage over the 25 year time span. The rent from the property that he continues to collect (which would be up to about $2,350/month if rent and expenses increase at a 4% rate as well) will go directly toward his retirement.

Also- in 25 years he will have the home where he lives paid off as well. The two properties should give him over $1 million in equity. That’s a nice number for retirement- especially nice when the majority of the retirement savings was contributed by his tenants over the years!

When I explained this to my brother, he sold one of his cars! And with the money he earned helping us with our property, he’s already putting together a nice little down payment for a home.

Technorati Tags: buying rental property, investing, money making, personal finance, Real Estate, Real Estate investing, retirement, wealth

Arizona short sales are here to stay, at least for a while. We’ve done everything possible to try and avoid short sales. Buyers would have very few homes to preview if we eliminated the “short sale” homes for sale.

When a short sale is considered we want to be able to ease some of the aggravation when making an offer. A Buyer’s agent has a responsibility to know what questions to ask the listing agent prior to submitting an offer. Asking the correct questions will no doubt help expedite your buyers decision making and will keep your buyers spirits high.

Our clients rely on our expertise, knowledge and experience. The process of purchasing a short sale is much more involved than a normal transaction. It is imperative that we educate our buyers as to this process and have the knowledge to make this a smooth transaction.

Below are 5 simple but powerful questions for the Buyer’s agent to ask the listing agent prior to writing an offer: These questions will save everyone time and energy.

What bank(s) hold the liens? Banks, lenders and mortgage companies have a reputation in the community as to their “approval” process and time involved in accepting offers. Know the steps banks take in processing offers.

Does only one bank hold the note? A short sale usually means there is not enough money to pay off the first mortgage. If there is a 2nd lien holder there is no money to pay them either, however they have to approve the short sale as does the first lien holder.

Do you have a complete short sale package from the seller? When a seller selects an agent to handle the short sale, the first critical step up front is to complete a short sale package for the lender. Offers will not even be “looked” at by the banks unless this package is complete. The buyer could be in for a long wait while the seller compiles their documents for the bank and the listing agent learns the ropes.

The listing agent should assist the seller in submitting the short sale package to the lender before or at time of listing the property. Banks will not even consider offers until the seller package is complete. The buyer should consider other options if the bank hasn’t received the seller package.

How familiar are you with the bank’s process? This will give you an idea if the listing agent has done any short sale transactions in the past. This process is essential to all parties. Short sales will be around for at a few more years. Asking these questions will better position you and your buyer to a smoother transaction and close of escrow. This time line will ease some of your buyer’s concerns and frustrations.

Technorati Tags: blog, finance, foreclosure, homes, leasing, loans, mortgage, Real Estate

Real estate blog marketing is definitely going to bring more profit for your real estate business. As the demand for Internet is growing all over the world, blogs are too becoming more and more popular among people that want to promote their business on the global screen. Rather blogs are becoming the common method to promote product, service and businesses with tons of ease.

Real Estate Blog Marketing is a fantastic way for a Real Estate professional to start with it and you don’t need any help to start as its really simple. You can visit any blog site and start your blog by a simple signup and can create fabulous pages for your real estate deals. You can write contents about your business and can upload pictures.

Real estate blog marketing has been defined as a wonderful way for real estate investors and agents to start with their online marketing venture. It neither requires prior experience nor the money. All you need to put in your time and effort for preparing a good and informative blog so that you can easily draw attention of web visitors for your business.

If you want then you can find a hosting company those provides free web hosting and the cost if zero. With it you can also promote your real estate property advertising. It’s true that you will prefer a blog as it’s cheap and the risk is low. Many Real Estate tycoons started business with a small blog and promoted it to the global visitors.

Videos are the best way to describe your product details among your targeted audiences. You have to make some informative, short and cute videos, and then you can upload it with your blog. Website may seem you bit expensive and the online marketing strategies associated with it is really costly. Contrary to the website, blogs are cost effective and can offer you significant result.

Also you can opt for web hosting agencies that are offering free web hosting services. With such web hosting services you can too promote your blog. But the cost associated with the creation of blog has made this trend so popular. Also you need to look for the risk factor on the web. With blogs you are always going to have less risk associated for your business promotion.

All you need to prepare your own blog and publish it to the World Wide Web. If you are not sure about the blog preparation system then look for other real estate blogs. You can gather more information about how the necessary elements have been implemented and how they are drawing good response from the online media.

This online magazine needs no HTML experience as any one can try it. Just with a little idea you can try your own blog and start a career as a Real Estate Professional. So, get started and try Real Estate Blog Marketing. Today!

Technorati Tags: marketing for realtors, marketing realtor site web, Real Estate, real estate email marketing, real estate internet marketing, real estate marketing, realtor email marketing, realtor internet marketing, realtor marketing, realtor marketing products, realtors marketing

The U.S economy has turned into a recession increasing the amount of jobless claims and homeless rates.

As a result folks are falling behind on their mortgage payments resulting in home foreclosure. People who are not able to pay their debts are on the brink of losing their homes. To overcome this problem, President Barack Obama has come up with a loan modification program.

The focus of loan modification is to lower the homeowners mortgage payment. With this in mind, President Obama’s government has designed a loan modification plan, which allows homeowners the opportunity to reduce excessive charges that are being imposed on debt paying customers.

How it Functions?

1. Reduce the interest rate:

The homeowners interest rate may be reduced to 2-6% for qualifying hardship.

3. Reduction of principal balance:

If the loan qualified for principal reduction under the Obama Loan Modification plan, the principal balance will be reduced and brought forward when the market turns around.

3. Monthly reduced payments.

Homeowners can reduce their monthly payment by contacting their lender.

Obama’s loan modification plan will lower the homeowners payment to 38% of their monthly payment.

4. The lenders incentive:

Potential lenders will receive $1000 in incentives to qualify homeowners for the loan modification plan.

In addition, $1000 will be reduced from the homeowners principal, if the debtor continues with the plan. The prime purpose behind this is to help homeowners to refinance their loans.

5. Homeowners and successful loan modification:

The decrease in principal is an added benefit to this loan modification plan

It is imperative the homeowner understands the loan modification plan and keeps all paperwork of approval.

Obama’s homeowner stability plan has assisted thousands of people reduce their home loans.

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If you have been feeling like your apartment rent is eating up most of your income, you may be able to qualify for low income apartments for rent. These apartments are rent subsidized so that qualified renters only need to pay part of the rent.

Not everyone can qualify for low income apartments for rent though, so you should go check up the requirements before you apply. Basically, your income must meet the guidelines put forth by HUD.

Since HUD only helps pay part of the rent, you are still responsible for the rest of the rent. Therefore, there are still price differences in every low income apartments for rent, but generally the rent is lower than market rent.

The easiest way to find low income apartments for rent is just ask HUD. They should have a list of all the low income apartments for rent for where ever you want to live.

When you go look at the low income apartments for rent, be sure you bring some paper and pen to note what you like and dislike about the apartments. This is what you will use later to help you make a decision regarding the low income apartment you will move into.

Chat with the current renter of the low income apartments for rent and gauge how they enjoy living there. Ask them if maintenance fixes things immediately and whether the staff respects the residents.

Another thing you should do is to walk through the low income apartments for rent and mark off things that need fixing or cleaning. The maintenance should have all this taken care of before you move in.

One final note is that you might want to buy renters insurance. Many people neglect this in order to save money but in the end when something happens to your property, then you could have lost more money. Some apartments require that you buy insurance before you rent, but if they do not, you should buy it anyways.

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