Learn From Real Estate History: Markets Are Cyclical – 5 Important Factors

If we learn from the past, in a meaningful way, we would better understand the history of real estate, it should teach us, housing markets are often cyclical! There are bull markets and bear markets, as well as periods, with a greater degree of balance, between these two. Most have heard references to buyer markets, more vendors marketsHowever, it seems that people continue to overreact to changing conditions, etc. Therefore, it would be beneficial to better understand some of the reasons and driving forces involved in what causes these cycles to occur. With that in mind, this article will briefly attempt to consider, examine, review, and discuss 5 important factors and some of the potential impacts and ramifications involved.

1. Interest rates: One of the driving forces, in the housing markets, is interest rates. These can be market-driven, based on economic conditions, manipulated (for political purposes, etc.), or specifically with mortgage rates. After all, when a country lowers rates for a mortgage, we generally witness higher demand from buyers, because it is possible to get more bang for the buck. Lower rates mean that you gain the ability to buy more home, for your money, because the costs of your monthly living expenses are reduced. However, throughout history, these have decreased and increased and often had a dramatic impact on the industry as a whole.

two. General economy: A good economy generates a higher degree of confidence, because people seem to believe that it is a good time to buy. On the other hand, when there is economic concern, it affects the real estate industry, in a negative way!

3. Consumer / Job Confidence: The better overall job security and consumer confidence, the better the housing market will respond. On the other hand, many people are cautious and worry, whether during actual or perceived, or even potential changes, and take a break from searching for a home. The laws of supply and demand will raise or lower prices, when sellers or buyers have a greater supply.

Four. Price / affordability: There is often a point of diminishing returns, when it comes to rising prices! When these increase too fast (or are perceived as houses that cost too much), many people perceive them as unaffordable and stay away from the real estate market. Obviously, that will cause a price correction!

5. Real estate taxes: Areas with the highest property taxes often have the biggest swings in the market, because especially since tax law, enacted in 2017, which limited deductions to $ 10,000, these homes become more difficult to market and sell! !

The more you understand and learn from the past, the better you are prepared for future fluctuations. Will you become a smart home buyer?

3 iPhone Apps to Help You Succeed in Life and Business

I have an iPhone 6 and I will tell you between my family and my business, it would be so disorganized. I’d probably forget 90% of what I have to do if it weren’t for my phone. I found that I am more organized and complete my tasks when I use my phone instead of a paper calendar. I’m not sure if it’s because I always have my phone with me or if it’s because of the reminder that pops up.

I also found that there are apps that I can use on my phone that allow me to work even when I don’t have my computer with me. This has come in handy when I’m sitting in the waiting room at the doctor’s office or when I’m in the car on vacation.

These are some of the applications that I use almost every day for personal or business tasks.

1. Google Calendar

The iPhone comes with a calendar, but I have found the Google Calendar app to be much easier to use and the reminder sound is better. The application gives you the ability to set a series of reminders that will appear on your phone and also gives you the ability to receive a reminder by email.

2. Google Drive

I use Google Drive for several of my clients and for personal items and it is very accessible. I can access those files whether I’m at home or on the go and I don’t have to email myself to get access. There are two applications that accompany Google Drive and that allow you to edit your documents. Those are Google Sheets and Google Docs. Without those apps, you wouldn’t be able to edit your documents from your phone.

3. Everypost

I love social media and it is a great way to put your business in front of others. Since I’m busy during the day, I use Everypost to schedule some of my social media posts. I can schedule posts for Twitter, Facebook, Pinterest, and many others. What I really like about Everypost is that it allows me to schedule posts to my Facebook group and brings the image with the post.

I’m sure there are plenty of other apps that would be helpful too, but these are the main ones I use. Without these apps, you would be lost and accomplish nothing in a day. I found that with these iPhone apps I am on top of my game every day.

Grinding It Out – Book Review

Ray Kroc (1987)

ISBN 978-0-312-92987-9

Book Price: $ 9.99

Classic success story

Ray Kroc is the business legend behind the amazing McDonalds franchise. He was 52 when he joined the McDonalds brothers (in 1954) and opened his first franchise. In a decade he had become a millionaire. His odyssey is a classic success story. McDonalds has become the most successful fast food operation in the world.

Success trip

In sixteen chapters, Ray Kroc presents his successful journey. It raises ideas such as: Take advantage of opportunities (Ch. 1); Pursuing larger accounts (Ch. 4); Meet the McDonalds Brothers (ch. 6); Overnight success after 32 years (ch. 8); Taking risks … the world’s only path to economic freedom (ch. 16), and much more!

Success in business growth

Ray Kroc has an uncanny ability to boldly express his beliefs and quickly share a relevant story to draw readers to his message. He relates: “I have always believed that every man makes his own happiness and is responsible for his own problems … it works just as well for me now that I am a billionaire as it did when I sold paper clips for thirty-five.” dollars a week and playing the piano part time to support my wife and young daughter … “

Ray’s philosophy is simply “… seize any opportunity that presents itself.” That’s what he did when he met the McDonald brothers at their only restaurant, and the rest is history!

From basic beginnings to astonishing success in business growth, readers will find ideas to drive business development. Kroc expresses: “… I was fifty-two years old, and then I became a success overnight. But I was like many personalities in show business who work in silence … I was a success overnight. morning, but Thirty Years is a very, very long night. ” Mr. Kroc conveys the key that success is never instantaneous, but a process!

Ray also shares business growth ideas, stating: “You must hone all the fundamental aspects of your business if you expect it to perform well … adversity can strengthen you if you have the will to overcome it … Highlight your own strengths, emphasize quality, service , cleanliness and value, and the competition will wear itself out trying to keep up. “

Attractive story for success

Ray Kroc shares an interesting story of immense success in business growth along with key ideas to practice.

Putin’s terrifying evolution from pragmatic to megalomaniac

As we watch the dangerous developments in Crimea and now in the rest of Ukraine, we have to wonder if we misjudged Vladimir Putin when he took office in 1999 as a competent and rational actor who, while deeply mired in the bleak Soviet history of the KGB, There was a realistic world view and he accepted Russia’s failures in the 20th century, and especially its fall from superpower status in 1989. In those days, Putin chose wise advisers, including the liberal economist Alexei Kudrin and the political junkie Vladislav Surkov. But now a new Putin has apparently emerged who has only one adviser, himself.

Perhaps spending too much time alone in the striking and majestic Kremlin Palace has ignited a kind of messianism in Putin, as he has held supreme power in Russia these fifteen years, as he seems to be zigzagging more and more towards a megalomaniac zeal to restore Russia. . to the state of world empire. This is terrifying especially since post-USSR Russia still maintains a huge nuclear arsenal.

Putin has suggested that the collapse of the Soviet Empire was the worst thing to happen in the 20th century (what about the Nazis?), But it seemed realistic enough to accept that he couldn’t reestablish Russia as the superpower it once was. . when it was known as the USSR. Now that is in doubt.

Today’s new Putin is a man who decided, apparently unilaterally and without much support from anyone else in Moscow, to annex Crimea. What was I thinking? A rational analysis suggests that Russia already wielded enormous influence in Crimea and the entire Black Sea region without having to support it with cash outlays that modern Russia cannot afford. Before annexation, Russia had already earmarked $ 1.7 billion for Crimea. Now Crimea will become a sink for billions more that Russia should spend closer to Moscow. And yet Putin proceeded without consulting such lucid advisers as Foreign Minister Sergei Lavrov or his Defense Minister Sergei Shoigu. They were simply ordered to implement a policy that Putin articulated entirely on his own.

Old Putin was something of a “top decision maker” in the George W. Bush mold, an arbiter who exercised pragmatism by negotiating a consensus among the thousands of competing interests whom he was supposed to manage and lead. The new Putin is increasingly the imperial Tsar of Russia, an autocrat who makes decisions without consulting anyone, simply announcing them as a fait accompli.

Putin now routinely refers to “Russian civilization” rather than “Russian people.” This suggests that he sees Russia as something apart from the rest of the world, as connected to Europe and Asia as Mars. The idea of ​​a Russian civilization dates back to the days of Peter the Great and an expansionist Russia that saw itself as superior to Asia and Europe, and which tacitly gave permission to absorb its neighbors by force.

The pragmatic Putin of the early 2000s, who worked with European and American leaders to achieve political solutions, has been replaced by a dogmatic Putin who apparently believes that Russia is in grave danger, a Russia it must defend from chaos and darkness. .

“Russia did not start in 1917 or even 1991,” Putin recently declared in 2012. “Rather, Russia has a continuous history spanning more than a thousand years and we must rely on it to find strength within.”

What is most surprising about Vladimir Putin’s political biography is that, over time, most leaders evolve from the idealism of their early days in office to a kind of tough pragmatism that casts aside big ideological issues in favor of practical political solutions. that keep trains running on time. In Putin we have seen the opposite: the pragmatic KGB intelligence analyst has become the leader of destiny, a visionary, the man who will save Russia and restore its glory (it is not yet clear whether he is a Tsarist or a Soviet).

What did Lord Acton say about the corruption of absolute power? There’s a reason Americans insist that their presidents stay in office for up to eight years, with an insistence also on a nationwide referendum after just four years.

Vladimir Putin has been the undisputed dictator of Russia for a decade and a half. And he has become, it seems, a legend in his own mind. Careful! Problems in the future.

Financing for small business start-ups

The number one question I am asked as a small business start-up consultant is: Where do I get start-up cash?

I am always glad when my clients ask me this question. If they are asking this question, it is a sure sign that they are serious about the financial responsibility of getting started.

Not all money is the same

There are two types of initial financing: debt and equity. Consider which type is right for you.

Debt financing is the use of borrowed money to finance a business. Any money you borrow is considered debt financing.

The sources of loans for debt financing are many and varied: banks, savings and loans, credit unions, commercial finance companies, and the US Small Business Administration (SBA) are the most common. Loans from family and friends are also considered debt financing, even when there is no interest attached.

Debt finance loans are relatively small and short-term and are made based on your guarantee of repayment of your personal assets and equity. Debt financing is often the financial strategy of choice for early stage businesses.

Equity financing is any form of financing that is based on the equity of your business. In this type of financing, the financial institution provides money in exchange for a portion of the profits from your business. This basically means that you will sell a part of your business to receive funds.

Venture capital firms, private investors, and other professional equity financing firms are the standard sources of equity financing. If handled properly, loans from friends and family could be considered a non-professional source of equity financing.

Equity financing involves stock options and is generally a larger and longer-term investment than debt financing. Because of this, equity financing is most often considered in the growth stage of companies.

7 Top Sources of Funding for Small Business Startups

1. you

Investors are more willing to invest in your startup when they see that you have put their own money at stake. So the first place to look for money when starting a business is your own pocket.

Personal property

According to the SBA, 57% of entrepreneurs turn to personal or family savings to pay for the launch of their business. If you decide to use your own money, don’t use it all. This will protect you from eating ramen noodles for the rest of your life, give you a great borrowing experience, and strengthen your business credit.

A job

There is no reason why you can’t get an outside job to fund your start-up. In fact, most people do. This will ensure that there will never be a time when you are not getting paid and will help eliminate most of the stress and risk of getting started.

Credit cards

If you are going to use plastic, look for the lowest interest rate available.

2. Friends and family

Money from friends and family is the most common source of nonprofessional funding for small business start-ups. Here, the biggest advantage is the same as the biggest disadvantage: you know these people. Unspoken needs and attachments to results can cause stress that would justify turning away from this type of funding.

3. Angel Investors

An angel investor is someone who invests in a business company, providing capital for start-up or expansion. Angels are wealthy, often entrepreneurial people who make high-risk investments with startups in the hopes of getting high rates of return on their money. They are usually the first investors in a company and add value through their contacts and experience. Unlike venture capitalists, angels don’t typically pool money in a professionally managed fund. In contrast, angel investors often organize into angel networks or groups to share research and raise investment capital.

4. Business partners

There are two types of partners to consider for your business: silent and working. A silent partner is someone who contributes capital for a part of the business, but is not generally involved in the operation of the business. A working partner is someone who contributes not only capital for a portion of the business, but also skills and manpower in day-to-day operations.

5. Business loans

If you are starting a new business, chances are there is a business bank loan somewhere in your future. However, most business loans go to small businesses that already show a profitable track record. Banks finance 12% of all new small businesses, according to a recent SBA study. Banks consider financing people with a strong credit history, related business experience, and collateral (real estate and equipment). Banks require a formal business plan. They also take into consideration whether you are investing your own money in your startup before granting you a loan.

6. Start-up financing companies

Seed finance companies, also called incubators, are designed to foster entrepreneurship and foster business ideas or new technologies to help them be attractive to venture capitalists. An incubator generally provides physical space and some or all of these services: meeting areas, office space, equipment, secretarial services, accounting services, research libraries, legal services, and technical services. Incubators involve a combination of advice, service, and support to help new businesses develop and grow.

7. Venture capital funds

Venture capital is a type of private equity financing typically provided to growing startups by professional, institutionally backed investors. Venture capital companies are real companies. However, they invest other people’s money and much larger amounts (several million dollars) than start-up companies. This type of equity investment is usually best suited for fast-growing companies that require a large amount of capital or start-ups with a solid business plan.

One of the best cooking tips of all time

I tend to be forgetful in the kitchen and sometimes burn a pot or pan. It’s not always my fault because my twin boys are such good talkers. They can talk about almost anything and are so attractive that I lose track of time … easily.

I did a doozie the other day. I was cooking zucchini (I used the spell check for this one) and the pan ran out of water. It must have been over an hour on high heat. Phew! The pan was totally burned and charred. I was surprised that the mango had not melted.

The smell was … unique.

I just knew that my sweet wife would give me one of those looks. You know, I’m not really sure you should be around children, look.

I really don’t like “the look” so I started thinking of ways around it.

After a lot of thinking and testing, this is what works so well that after using it you will think you bought a new skillet.

Drumroll …

3M wet or dry sandpaper.

It is absolutely amazing! I used 320 grit (very fine) 400 works well too. It can be found in most auto parts stores and in the paint section of Walmart (no kidding, I see my millionaire neighbors there too).
It almost feels like a simple piece of paper … that’s how thin it is.

This is what you do:

1. Gently remove any coarse food that has been burned with a flat razor blade.

2. Lightly fill burned pan (stainless steel) with soapy water.

3. Rub with sandpaper until burnt residue is gone.

The results will surprise you. What was once a badly burned place will look like new. Your stainless steel skillet will shine like new.

Hope this is helpful, however you may not need this tip as you probably have a full brain … or a timer.

The difference between men’s hiking boots and women’s hiking boots

My wife and I love to go hiking. In fact, we spent our honeymoon in Zion National Park, Bryce Canyon National Park, and the North and South Rim of the Grand Canyon. But before we set foot on a trail, we went out and bought the most important gear needed for weeks of nonstop hiking; Mountain boots.

Although we would be walking the same trails, under the same conditions, the basic differences between male and female feet meant that we would not get the same boots. So what are the differences in our feet that make building men’s hiking boots and women’s hiking boots so different?

Most obviously, women’s feet are shorter and narrower than men’s. This in itself is to be expected, as (in general) women are shorter and lighter than men. However, part of this is due to the fact that there is less cartilage between the bones of a woman’s foot and her joints and ligaments are softer and more flexible. Also, a woman’s heel is proportionally narrower than a man’s. Boot makers now compensate for this by molding a tighter heel box or adding additional stiff padding to keep the heel comfortably in place and reduce slippage.

The effect of the increased flexibility of a woman’s foot resulted in two design improvements to the women’s boot. First, a more flexible woman’s foot requires more support to withstand the ongoing stress of walking. This is usually accomplished by adding a stiffer midsole support, such as an insert. The insert is generally molded into the sole to retain the traction required for all types of terrain, but is still flexible enough for a comfortable stride. The second and possibly more important difference in the midsole is the improved arch support in the women’s boot.

In general, a woman has a higher arch than a man, which needs additional support. However, due to the monthly changes in a woman’s hormone levels, specifically estrogen, the arch of her foot actually decreases, as estrogen is a soft tissue relaxant. This relaxation of an already flexible foot causes the shape of a woman’s foot to move between a relatively high arch and a flat foot. This fluctuation in arch makes it essential for the midsole of a women’s boot to have improved (stiffer) arch support.

One manufacturer (Lowa) has taken the difference in foot structure a step further, as it also creates a difference in posture. A men’s stance and gait are not as upright as a women’s, so Lowa has designed a 2-degree offset in the ankle axis of their men’s hiking boots to provide a more balanced posture. Since women naturally have a more upright posture, this offset does not exist in the ankle design of their women’s hiking boots.

Understanding the differences between men’s hiking boots and women’s hiking boots should make it easier for you to select a suitable boot. Just because a woman’s foot is naturally smaller, don’t assume that buying a smaller size men’s boot is the way to go. The best option is to try on hiking boots specifically designated as women’s hiking boots. This tells you immediately that the manufacturer understands the differences between a man’s foot and a woman’s foot, and has designed their boots to address those differences.

How to use heading (H1) tags for SEO


Header tags play a very important role in page optimization. Adjusting or even adding header tags on your website is one of the easiest things you can do to make the most of your time! In this article, I’ll quickly go over what header tags are and how to best use them.

Note: It is important to first establish what keywords to target before doing any SEO work on the page. Guessing about the right keywords is not acceptable.

H1 Tags

You must use the proper heading tag (H1) optimized for each of your pages. Only one H1 tag per page is recommended. If you have more than one, it doesn’t look very good and spiders may think you are trying to cram too much into an H1. Keep the number of words in your H1 tag to the minimum required to achieve a different meaning from other pages on your site.

-Gardening example: Petunia, yellow gardenia flowers

You need to decide what are the appropriate keyword terms to focus on that you can then place in the H1-H3 tags. For example, if your site is about gardening, then you will want to use flowers, gardening, and related keywords in the header tags.

Header tag structure

The heading tags H1, H2, etc. provide a semantic meaning for your content. You need to use them in hierarchy. Since H1 must come before H2 and H2 before H3 and so on. There is no limit to the number of headings and levels you can have on a web page, but you may want to keep the number within a reasonable limit to avoid confusion caused to actual users. Users will find multiple titles for the same text and will be confused as to which is the most appropriate “title” for this text. Ideally, you can have an H1, H2, and H3 on the same page with different related keywords in them.

This series is brought to you by powerful engine optimization software called Ping Kaching.

5 steps to be more organized in 2017

It’s not even officially the new year yet and I’m eager to start purging and organizing. I have recently been bitten by the “less is more” error and the clutter has quickly disappeared from my house. I want my home to run like a well-oiled machine, so when 2017 rolls around, I’ll definitely get more organized and start with these five steps.

Step 1: create a cleaning schedule

If you are like me and you clean all you want and you need to have company just to manufacture You clean, a schedule is the trick you need to start January off on the right foot! I keep telling myself to stick to a weekly schedule, so I finally took some time to research it online and came across a host of different plans. Explore and find one that suits your personality; mine should be detailed, but simple and achievable because cleaning is really the last thing I want to do!

Step 2: make a weekly meal plan

A friend of mine has been doing this for years and he swears. It seems like a lot of extra work to me, but when I think about how much energy and time I wasted deciding what’s for dinner each night, planning doesn’t sound so bad anymore! And once you plan your meals, it’s even easier to compile your shopping lists and be more organized in the kitchen. A weekly menu planner with a shopping list is the perfect solution to your meal prep problems.

Step 3: dust off your slow cooker and store your freezer

If you have hectic afternoons and nights, a slow cooker can be your real salvation. They release a long time and, by using mainly fresh ingredients cooked at a low temperature for a long period of time, they retain the nutrient-rich natural juices of vegetables and meats. Try hot, hearty soups, immune-boosting bone broths, and kid-friendly recipes for Sloppy Joes and Teriyaki Chicken in your slow cooker, and don’t forget to double batches so there are leftovers to freeze for another day.

Step 4: downsize and eliminate clutter

After the holidays, have your family go through the toy bins, drawers, and cabinets. Tell them that they need to make room for the new things they received by willingly giving the older items they no longer use. Also, when you remove your Christmas decorations, make a note of what you didn’t put in last year. It is very likely that you will not use them again this year, so add them to the donation box as well.

Step 5: Involve Your Children More Often

I know it’s easier to do things yourself, but keep trying to get your kids involved in household chores and cooking whenever you can. Make chore charts and delegate chores at mealtime. It takes time and perseverance, but it’s worth the effort, both for you and for them. Suddenly, you’ll feel liberated when you don’t have to unload the dishwasher for the millionth time or fold your laundry and dust the living room alone. Your family will function better as a team, and your children will learn valuable life skills.

Online game cheats

Many traditional board games are now played online and many people want the skills necessary to win. Play Buddy offers interactive software that helps players cheat online games.

Each game has its own specific type of software. For example, when you play Checkers, you can use the Checkers Buddy software. When you have tokens that you want to protect and you can’t afford to lose them, Checkers Buddy will plot the best moves for you to make.

This will give you a much better chance of winning, even if you face stiff competition. The software will not be detectable and you will be able to play easily. Hearts and Spades have similar programs that chart movements and give you an idea of ​​the best strategy to use.

Often times, people get discouraged when they try to play online games. They meet opponents who play regularly and are very skilled. When they are defeated by these advanced players, many people give up. Play Buddy’s interactive programs make it easy for you to master any game you want.

It will provide you online game cheats that will make the game easier. Most of the traditional board games played online have the Play Buddy software that supports them. Some of the software will help you by giving you suggestions and clues on the best decisions to make.

Free technical support is offered if you need help with your software. You can upgrade up to a year after you buy it, and this will give you the latest programs that will allow you to be a stronger player. The programs are reliable and you can rely on them in any gaming situation.

The last thing you want is to play in a tournament when your software crashes. A mistake like this can cost you the game. You want to rely on software that will work when you need it. Whether you want to master the game of chess, checkers, or billiards, Play Buddy software will provide you with the online game tricks you need to compete.

Having access to game traps and back doors will allow you to enter any room of your choice and defeat your opponents. The most important thing is that you will become a better player with the software and, in time, you will be able to challenge anyone. Play Buddy makes playing games on the Internet easier and more fun.