A Review of "Barry and ‚the Boys’"

The book that is the subject of this review is Daniel Hopsicker’s Barry and „The Boys:“ The CIA, the Mob, and America’s Secret History. Hopsicker originally published it in 2001 and updated it in 2006, adding more information in an Introduction and tying this book in with his most recent work. The book’s subtitle neatly explains the subject matter, although many more issues are examined through their relationships with the infamous drug smuggler Barry Seal.

In fact, the sheer number of issues, events, and people that Hopsicker touches on makes it a very daunting task to attempt to review the book. From before World War II, to the Bay of Pigs, to Vietnam, Iran-Contra, Mena, Arkansas, and our current administration, Hopsicker ties together some of the more notable names that have been involved in both the public history of America and the „secret history.“ Being unfamiliar with some of the subject matter, this review will focus more on the style and mechanics of the book, rather than most of the actual content.

As a summary of the work, though, the book focuses heavily on the life of Barry Seal, whom Hopsicker calls „the biggest drug smuggler in American history, who died in a hail of bullets with George Bush’s private phone number in his wallet.“ Through his relationship with various military-intelligence personnel, and as a CIA employee and pilot, Seal played a part or knew the main participants in nearly every major event in recent American history. He attended a summer camp for the Baton Rouge Civil Air Patrol with Lee Harvey Oswald, and is suggested to have flown a getaway plane out of Dallas on the day of the Kennedy Assassination, for instance. Seal was also heavily involved in flying drugs into the country during the time of the Iran-Contra events, and his plane ended up in the possession of George W. Bush after his death. In the 380-page book, though, these issues are examined in depth, along with dozens of other events.

The sources for the book seem to be mainly interviews that Hopsicker or his associates conducted, and most of them relate to various aspects of the secret history or the life of Barry Seal. This makes the book a great primary source, and there are very few anonymous sources providing information. Seal’s wife is interviewed, along with high school friends, coworkers, and government employees. As issues come up, Hopsicker introduces a player and his or her role, and relates the event back and forth to other events, reminding the reader of the relevance of what has come before and what will come later. This helps casual readers (such as this reviewer) keep all of the names and places a little bit straighter, since the same names seem to keep appearing in various places and times.

The writing style itself is quite easy to read and a bit casual, compared with other books of a similar nature. Hopsicker is very much a part of the story, as he and his researchers attempt to put together the complete picture of the events that surrounded Barry Seal. With each interview and new name added to the mix, the picture becomes more clear, chapter by chapter, until the book traces a single unbroken line through over sixty years of history involving covert wars, drug smuggling, bipartisan political corruption, and various shell corporations and financial intrigues.

Obviously, the author ran into some legal issues with the publication of the book, though, as one chapter is filled with blacked-out, redacted material. Nearly every name is unreadable for an entire chapter while Hopsicker traces the evolution of one of the shell companies mentioned in the book. This detracts slightly from the readability of the material, and it seems that previous versions were missing the chapter completely, which is unfortunate, but the material in the chapter does not seem central to Hopsicker’s main thesis. Of course, this is hard to tell for sure with so much cut out, but the names mentioned in the chapter are not repeated throughout the book, as there are few other blackouts in the remaining thirty-seven chapters.

A 60-page Appendix at the end of the book contains numerous pictures from the life of Barry Seal, as well as documents from his personal records. These provide a treasure trove of resources to browse through to learn more the various issues that Hopsicker examines, especially the trail of ownership of Seal’s planes that were used to smuggle drugs. Following the trail of shell corporations set up simply to shield the true owner of the planes is one of the more tangled yet enlightening portions of the book, and the Appendix explains more of these details with the use of the actual source documents.

A final useful aspect of the book is that Hopsicker has obviously read much about the subject matter he aims to tackle, and provides other recommendations of books that followed the track. Some of these authors, such as Alfred McCoy and Peter Dale Scott, are well-known and respected, and their works provide additional avenues of research for the reader of Barry and „The Boys“. By attempting to add to the information already available from other sources, Hopsicker is able to build on these works and provide his own contributions, rather than simply offering a summary of other works.

Barry and „the Boys“ may provide an ideal introduction into the topic of the secret history of America’s involvement in covert wars and drugs, and it is certainly a work to be referred to and read more than once. In fact, as more of the names connected to Seal appear again and again (as they have even since the book was originally published in 2001), the work is more important than ever. As Hopsicker states numerous times in the book, it’s a „Small world,“ and it seems that everyone knows everyone else sometimes, except the general public who knows no one and is told as little as possible. Seal, as a tragic figure who rose to the heights of power in the covert world, met his end when he grew a little too big for his own britches and decided to „talk.“ Hopefully Hopsicker will be given the opportunity to speak more of the truth as well, as he is saying some important things in this book.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Nick Heeringa

Which Chinking Should I Use?

Perma-chink, Sashco and Weatherall are the leading chinking manufacturers for log homes. Sashco makes Log Jam and Chinker’s Edge. Weatherall produces 1010 and Triple Stretch while Perma-Chink makes Perma-Chink cabin sealant. Selecting the right chinking material depends on what color you like and which manufacturer you or your application contractor prefers. Our job at Mountain Home Building Products is to help provide you the right answers to your difficult log home related questions. Below you will find a brief history for each of the chinking related manufacturers.

Perma-Chink started producing log home finishing products in 1981 with the introduction of a latex chinking. The product was designed to look like old time mortar but had much greater capabilities of stretching and flexing in order to provide a tight seal for new and existing cabins. Permachink soon began to manufacture a complete line of stains, finishes, preservatives and cleaners that were geared specifically for the log cabin market.

Weatherall Company first introduced Weatherall 1010 Chinking to the log industry in 1982. Shortly thereafter they developed a new log finish that was compatible with their chinking. Next they introduced a new type of backer rod which helped them launch the first total log care system.

Finally, Sashco is located in Brighton, CO and has been manufacturing log home chinking, caulking and stain products for the past 30 years. The company was founded by Donald J. Burch in 1936 and originally produced windows but soon evolved into a manufacturer of glaze which eventually led to them producing log home sealants. Sashco is widely recognize for products like Log Jam, Log Builder, Capture and Transformation.

In conclusion, chinking is available in a number of different colors, sizes, textures and price ranges. Special colors are usually available upon request but may take additional manufacturing time. Plan ahead and take advantage of free chinking color charts provided by most log finishing product suppliers.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Michael Carey

Real Estate 101 – How to Find Your Realtor

„Buying a new home, especially if it’s your first home, is not an easy thing to do. There’s new terminology to learn, an entire process to follow and a large number of decisions to make. That’s why almost everyone who buys a home works with professionals in the field to make sure that they get a good deal on a good home without too much of a headache. The most important person in the team of professionals that you’ll want as a home buyer is your realtor. But how do you go about finding a good realtor?

Here are some of the top ways that successful home buyers find good realtors:

1) Word-of-mouth. Often, the best way to get a good realtor is to start asking everyone you know if they know of a good realtor. You’ve probably gotten other professional help this way (everyone’s always asking if you know of a good dentist, right?) Of course, you shouldn’t just jump into bed with the first realtor who gets referred to you – your Aunt Sally’s blind elderly neighbor that talks to his cat might come with her referral but he might not be able to meet your home buying needs. But good word-of-mouth referrals are a great starting point for finding a good realtor.

2) Look at the ads in real estate magazines. A picture is worth a thousand words right? If someone is invested enough to get a good professional picture and take the time to advertise in key locations, he probably cares a lot about his real estate business. And that means he’s got a good chance of being a dedicated realtor. It doesn’t hurt to search the ads to see who is out there and to make an appointment to meet with some people.

3) Make use of your search engine. You can do a whole lot of research into local realtors by typing your information request into your search engine. Review some realtor websites and look for positive reviews of realtors in your area to help you find a good realtor.

4) Put together a list of interview questions and don’t be afraid to interview a number of different realtors until you find the one that you want to work with. Yes, you might be seen as a pesky client but if a realtor wants your business, she’s going to work hard to get it which means she’ll fully answer the questions that you have. Things you’ll want to know include the length of time she’s been in business, how well she knows the area that you’re interested in buying a home in and what she’s going to do to help you understand the home buying process.

If you find a good realtor, the rest of the home buying process should go relatively smoothly. Yes, you’ll still have decisions to make but you’ll have a professional real estate agent there to help you with those decisions. And you’ll be able to rest easy knowing that the hard part is over. Well, at least until it’s time to start moving in!“

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Kinan I Beck

More About Paige Texas

Tucked up in the north east corner of Bastrop County almost to the Lee County line is the sleepy little „burb“ of Paige. The elevation is approx. 535′, the weather is moderate year round. The school system is Bastrop ISD and depending on where you live kids might attend Lost Pines Elementary, Bastrop Middle School or Bastrop High school. Paige proper is not much bigger than a total of 18 blocks and as is typical of small Texas towns there are still some beautiful old vintage/historic homes and buildings still standing or still in use. The area surrounding Paige is a mix of rural residential properties and farm and ranch land. Horse enthusiasts covet the sandy loam soil that can be found in parts of Paige such as out Old Potato Road, or Old Pin Oak, or Antiock and Cardinal Roads.

Paige was established in 1872 along the Houston and Texas Central Rail. The old abandoned rail line is still there which runs along side parts of Old Highway 20 and would make a great section of „Rails for Trails“ as it is not in use at all now. Paige was named after one of the civil engineers that worked on the railway. There was a rail station in Paige up until 1876 and then it was moved to its present location approximately 3 miles to the east. There is a volunteer fire department which was established in 1982 along with the Paige Community Center, and Paige has had a Post Office in town since1874. In those days the majority of the population was of German heritage as was much of the Central Texas area. The population of Paige has fluctuated over the years. In the late 1880’s the town was said to have had a population of 500. Back then the Paige rail station was a shipping point for livestock such as cattle and hogs. Local industry included a pickle, creamery, and broom factory. Today some of the local businesses include The Old Frontier Store which is on Highway 290 and has a little bit of everything to offer from groceries to a meat counter to a small deli/diner, and Yarnorama a yarn and fiber shop.

Paige is approx. 40 miles outside of Austin on Highway 290. Bastrop is 14 miles away on Highway 21, and has just about everything anyone could want or need with coffee shops, two feed stores, box stores such as Home Depot and Lowes on the way, great restaurants, a movie house and bowling alley. About half way to Bastrop from Paige on Highway 21 is Lake Bastrop which offers campgrounds, swim beaches, boat rental and boat launch on both the north and south shores. If you decide to head to Smithville, the town where the movie Hope Floats was filmed is just less than 13 miles on FM 2104. Just before you get to Smithville on the west side of the road you will find Buecher State Park and Lake. If it is the coast you crave you can get to the Gulf in just under two hours from Paige. Circle D, Pioneer Pines Farms, Pine Valley and Pine Tree Cattle Ranch are just a few of the subdivisions that fall in the Paige area that offer rural residential living in the ‚lost pines“ of Bastrop County. The Paige area is also full of wonderful ranches and recreational properties (great for hunting) and periodically they do come on the market.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Curtis Reddehase

Commercial Property Management Handover Check-List Advantages

When a new property manager takes over the management of property for a client, they should take full and professional control using a handover strategy and process. Every property will have its challenges and some are quite complex.

The handover process will by necessity cover all current issues in the property plus the history of occupancy and financial performance. If the property is large and contains many tenants then the process is time consuming. A checklist will help you stay on track and remain accurate.

So how do you start with all of this? Here are some things to help you get started and put into a handover checklist. This will help you in bringing new clients and properties into your brokerage portfolio. You can add to this list the area factors and things that you know are important to the property type:

  1. Interview the previous property manager about the property and the tenants. If possible do an audio recording of the process on your cell phone or MP3 recorder. The information from the interview will be highly valuable as you proceed in managing the property into the future.
  2. Get a copy of the tenancy schedule. Whilst you must not regard it as accurate (because you have not checked it yet), it will give you something to work with. Always remember that the tenancy schedule is only as good as the person that has given it to you. In a handover process the accuracy that you are hoping for may not be there.
  3. You will need copies of leases to check against the tenancy schedule. When you have lots of tenants in a property, you will have many leases to check, plus other occupancy documentation. It requires personal involvement. Every lease should be read and checked. Potentially every lease can be different and special. You will need to understand the differences and get them into your property management control system
  4. Get copies of rent invoices that are current. The rent invoices should be checked for correct rents and that should be compared to the leases in the property. Also watch out for rent changes and critical dates from those leases that will have an impact on the rent.
  5. Check arrears and aged debtors reports so you know the status of rent actions and recoveries.
  6. Get an up to date tenant contact list so you know who to talk to in the tenant mix and how to reach them.
  7. Get an outgoings status report and an up-to-date expenditure report. That will give you an idea of just how expensive the property is to run when compared to others of a similar type in the same area.

So now that you have all of the basic property information it is a matter of going over the information and ensuring that you understand the factors and pressures. You can then inspect the property with some confidence.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by John Highman

Simple Yet Helpful Home Buying Tips

Everyone indeed needs and wants to have a home. While others are content with renting the place they live in for the rest of their lives, most people wish to have a house that they can call their own. However, paying for a home loan is never easy. This is exactly the reason why consumers should be wary of helpful and effective home buying tips.

Buying a home is a major decision in anybody’s life. The cost this entails cannot be earned in a single payday or even in a year by the average American guy. Hence, one should take utmost care before proceeding with the transaction and be completely aware of the basics and trends to ensure that one does not end up with an unmanageable debt or any similar things.

Here are some simple tips to bear in mind when considering the option to buy and own a house.

1. Be ready – In the same way that one should be ready for any endeavors in life to assure success, it is also an essential when making the decision to buy and own a house. The whole point of being ready revolves mostly around the financial aspect of the whole thing considering how costly this project can be for any family or individual out there.

2. Take time in choosing the house – They say that the people living inside the house is what makes it a home. This is true, but we cannot also downplay the factor that is the structure itself. Various considerations have to be assessed when it comes to the house. This includes the size, the cost, the setup and the location to name a few.

3. Hire a realtor – One of the most important home buying tips that one should consider is having the help of a professional during the entire process. Most people prefer to do things on their own, thinking that having someone around can only mean additional costs. These people actually know everything about the market, and they have the capacity to help any homebuyer get the most for what they can afford to pay.

4. Check out some home loan assistance – Little do some people know that the government, on both the federal and state levels, is actually trying to help the citizens of this country with their most basic needs. Home loan programs are very helpful in making it easier for someone to actually get a hold of the house of his dreams.

5. Never make hasty decisions – Like most things in life, buying a house should be thought about over and over again. It should be studied, researched and analyzed unless one intends to end up in the ditch somewhere along the way.

6. Get it insured – Once one has bought the house, it is highly recommended by the financial masters and experts to get the property insured against all possible risks. This is indeed an additional cost, but this is one thing that one will never regret about.

These home buying tips are actually effective. These are actually smart tidbits anyone from any part of the US and of the world can make use of.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Kevin Elvis Johnson

Smart Strategies for Leasing Homes, Condos, Duplexes and Town Homes in a Tight Housing Market

1. Looking for houses and looking for apartments are two completely different animals and require different approaches. In apartments there is always another one available next week. In homes, each one is unique, and once leased it’s gone. That’s why being prepared is so especially important when you need a house. That’s particularly true in higher end or well located homes.

2. Remember, you can’t open the door to view the place without a REALTOR or the owner present. Thank goodness for the MLS (multiple listing service) which should be using to find you that perfect house. Pick the areas of town that you might want to live in and then search the database for available houses in your price range. You should eliminate about 80% of homes for one reason or another just by doing this. The remainder will be you and your realtors focus.

3. Unlike apartments, homes will require substantial deposits and they don’t accept checks or cash. They will want certified funds, (money order, cashiers check) so you may need to budget. Contrary to popular belief, most homes are owned by people like you and I and not big shot investors. They are looking for people who will pay on time and not tear the place up. Can you blame them! On the one hand, they can be picky, but unlike many apartments, they are often realistic in their expectations. Each landlord will have different requirements and as a rule the nicer the place the more closely they will look at your overall credit score. REALTORS must work with each individual landlords requirements, as well as comply with the law.

4. Very few REALTORS lease, mostly because the the commissions are so low and there’s so much more work involved when compared to leasing apartments or selling homes. So when you find one that does specialize in leasing they are an enormous an en in your search for a new home Please understand, They are not tour guides. It’s very important that you be prepared. Homes lease very fast, especially nice or well located properties It gets very competitive out there .So, when we look:

1. Have all parties (lease signers) to the property at the same time to look.

2. Have your funds ready and be prepared to make a decision.

When should I start looking

Remember, apartments and homes require different strategies. You should begin by studying the different houses available to you online no sooner than 30 days before you want to move. This will give you a feel for what’s available in a given area. BUT there is no point in looking because, unlike apartments, Landlords will not hold a home for you for more than a week or so. What you look at today will be long gone in a month. It is best to seriously consider places( to physically look) to rent only about two weeks before you intend to move Unless specifically stated for pre-lease, landlords usually take the first qualified applicant with the earliest move-in date. This is why you must be prepared with your deposits and you must be ready to make a decision. The vast overwhelming majority of people prefer living in a house or duplex over an apartment. That’s what makes it so competitive.

Management companies handle most of the properties and they are typically closed on week-ends. Of course you can look on week-ends but may not be able to do anything application wise. Sometimes, that’s a good thing, it gives you some breathing room to think. If you happen to be from out of town be sure and give yourself enough time.

Always have a backup „stuff happens“ agents forget to remove the listing from the MLS, it gets leased sight unseen, the owner changes his mind about moving. Like I said,it’s not like looking at apartments. Again one more reason, being prepared is so vitally important.

What about my pets

Many people move into a home so there dog will have a yard. However ,many landlords don’t accept pets in their house. The MLS will usually spell out pet policies and the deposits normally run $300 to $500 . Sometimes they let you split it up. Typically they like smaller animals under 25lbs or so, but this can vary quite a bit. and because it’s so individualized, It may depend on your credit and of course a credible case by your agent. If you have a pet, it is pointless to look at homes that wont accept them. You do not want to tie up a grand or so of your cash and lose a week only to be denied because you failed to mention your dog.

Why you should use a REALTOR to find your next home.

1. While, It’s true, driving around looking at homes for lease or sale may be a national pastime, please understand, many of them are occupied. If the garage is closed and the drapes drawn, you may not be able to tell. Peering in someone’s bedroom window is usually a very bad idea and if they have a big dog… well…. I know I wouldn’t want to be on that bus.

2. You can’t open the door and if you call off the sign then your on yet,.. another agents schedule,( “ I’ll be right over, let me just pick up the kids at school and drop this movie off at Blockbuster“) It is infinitely easier and obviously smarter to have one dedicated person there and able to open each and every door today for you.

3. The MLS has virtually every property for lease in your city. By looking and doing your homework online beforehand and talking with your REALTOR you can eliminate 80% of properties that don’t work for you. That will save you hours of mindlessly driving around. and especially eliminate the problem of missing the street where the perfect house for you is located .

The system a realtor uses to find you the perfect home is sound, efficient, and will save you a lot of time, money and frustration. Plus it’s fun and interesting! However, it requires a whole lot of work on the realtors part. Please be considerate of your REALTOR. They work on commission only.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Steve Lawes

Real Estate Appraisals – Get Yourself Prepared For Knowing the Value of Your Home

The collapse of the economy began with a reality wind blowing against the sub-prime mortgage house of cards. We are all living with the results of over aggressive lending practices and over active government intervention. With all these friends who needs any enemies?

As the market realigns, property valuations have plummeted. Some of you may even be „upside down“ on your mortgages. Do you buy? Do you sell? Do you ride out the tsunami? This series will go through all the major questions that we normally encounter in determining the value of a property. What are the drivers? What are the inhibitors? What you need to know to get the best value.

What is Property valuation/real estate appraisal?

The purpose of property valuation is to provide a current market based value for a property in comparison to others in its immediate vicinity. So an appraisal is time, location and geography specific. It is a comparative value – not an absolute. Second, real estate appraisals are broken into two broad categories – residential and commercial. For the purposes of these papers we will be discussing strictly residential appraisals. Residential real estate appraisers are licensed by their respective states and have different levels of license levels based on the value of loan for the property. They have to take classes and pass certification tests to gain and maintain their license status. They are also usually bounded by county because of the way Multiple Listing Services (MLS) keep and sell their records. So a good appraiser really knows their geography and what to look for.

Why does it cost so much?

Real estate appraisers are traditionally independent contractors/business people – no appraisals = no money. So while you are paying a relatively standard one time fee (e.g., $400) they have to make sure they get as many appraisals in as they can to make any profit at all. How’s that? After all they’ve got your $400. An appraiser has to cover all out of pocket expenses the same as any business person (education, health insurance, MLS fees, liability fees, business insurance, state fees – the list goes on). In addition a good appraiser may spend anywhere from 3 to 6 hours in preparation (looking for comparables, etc.), have a 45 minute or more drive time to location, 2 hours driving comparables and taking pictures and then another 1 -3 hours writing the report and then if the bank wants more info or kicks anything back they have to invest the time to answer questions, etc.

Also, is they get your request from another appraiser or from one of these new rip off government created middlemen called AMCs – they may have to split the fee. These are all just the costs of doing business. So when someone stops by for 30 to 60 minutes with a tape measure know that it’s the tip of the iceberg and you’re getting a good deal.

Do I own the appraisal?

The person/company who owns the appraisal is the person who commissioned it. So if you are looking for a house loan, your loan company „owns“ the appraisal, not you because they are the commissioning agent. Even if you pay the appraiser, it makes no difference – you did not set up the transaction. Why is this important? The appraiser can’t legally give you a copy of „your“ appraisal – it’s not yours. If you request an appraisal for loan purposes you may find that it’s not accepted by the bank because they didn’t request it or they don’t know the appraiser. Catch 22 – yes but not made by the appraiser so don’t shoot the messenger. There are all different kinds of appraisals (home, land, cost based, estate, chronological, etc.) and they are not interchangeable. Make sure if you are going to personally request an appraisal you know what it can be used for.

Why do I need a new Appraisal?

The market is so volatile that you may require a new appraisal every 6 -8 weeks for some lenders. In the last eight months housing values have dropped up to 40% in some areas. This means a $1 million house could be going for $600k now. This has made lenders very uneasy and they require more documentation and proof of values than before. Of course they were also the companies that caused the problem – Catch 22 for us. Refinancing has become more challenging as appraised values have gone done so rapidly that people who can manage the monthly payments are penalized because the „value“ puts them underwater. For sellers it’s even more emotionally challenging as they believe their homes have a higher value in the market than they do and they get upset, the real estate agents get upset because the deal doesn’t close and the bank says the appraised value I what it is. The appraiser gets attacked for the state of the market instead the banks who created the issue.

How to determine value?

Value is determined the recent sales of similar homes within a given geographic radius. This means sales, not pending sales; people can ask what they want but banks want to know what other similar homes sold for – don’t let your real estate agent mislead you. While the process is meant to be precise, „similar“ is a very ambiguous term. Are we talking square footage, age, upgrades, tile vs. marble, pool vs yard, the variables can seem limitless. This is why online value services are worthless and if you pay for them you are wasting your money. Only a live onsite inspection can see and assess value properly. Lenders understand this. Geographic area is also becoming looser. Neighborhoods can change in character so rapidly that the normal radius for a comparable is 3 miles. However because sales have been so slow, comparables are fewer and fewer. Because the lenders require 3 -5 or more valuations per property, sometimes more; appraisers are searching outside the 3 mile radius for comparables. Bottom line – if you’re looking to sell in the next 12 – 18 months don’t do any major upgrades because you probably won’t get your money back. Do what you need to please yourself and that’s it.

Who’s on First in this process?

People who refinance a lot or were thinking about a refinance in the last 6 months often ask this. Remember in the whole real estate process – the bank has the power – no one else. The recent complaints by others and finger pointing at appraised property values is really a distraction as banks with their loan programs and compensation systems drive everything. Because the banks lent money so freely and caused the crash – they have swung 1800 away and are now hoarding cash. To justify this approach they are squeezing loan agents and appraisers for more and more documentation of value. This is especially ironic for refis – people who are already good customers but just want to take advantage of some good rates. Bear in mind that banks don’t have customers they care about for repeat business – you are a commodity. This squeeze play in the name of „making sure it doesn’t happen again“ drives up appraiser and loan agent costs which cannot be flowed through to the borrower. If you’re a banker – no big deal – you’re going to get a federal bailout bonus or in the government where it’s basically „who cares it’s not my money“ – these things are not important because you don’t really care about impact. BUT if you’re working for a living on $400 increments with no guarantees of where your next job is coming from – it means a lot. The other guy in the process, who used to be a silent partner is the government. They have enacted new legislation to „clean up“ the valuation process when it was never broken to begin with. This has backfired into more regulation raising lending costs in the process – some of which has been passed on to the borrower. It has also stifled loan creation – so while still have money they can’t borrow because of government pressures. The psychology is beyond the normal mind to fathom. Everybody that is supposed to help likes to put more rocks in our backpacks as we go up the hill and tells us it’s for our own good.

It also produces lower quality valuations and appraisals. Example, Fannie Mae requires that all appraisals they get be from „certified“ appraisers. Because the government requires banks follow suit. Now the difference between a regular appraiser and a certified appraiser is a couple of classes and taking a test. So let’s say you been an appraiser for 20 years, done thousands of honest appraisals, have an MBA and have an excellent reputation – guess what – thanks to the government your out of business until you get spend hundred to thousands more and take a test. But it’s the same job you did before. So now you get a valuation done by someone with little practical experience who happened to take a test but gets the work. That’s the answer to some of the basic questions you want to know in this market. If you’re in the middle of this process and frustrated take it out at the ballot box but don’t kick your appraiser – they’re just the messenger.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Gordon Townsend

Wintering in the Sun

We are wintering in the sun in Spain for the first time, like the flocks of birds that migrate for the winter. We have bought little house here and intend to come over for the winter each year. We have had enough of cold grey wet winters in the UK. So far the biggest surprise to get used to is that the sun shines virtually every day.

Our house is in a coastal town, part of a Spanish community sprinkled with a few English people. We have been lucky to make several friends already and I am beginning to learn some Spanish words which makes shopping easier! This is a priority as I think if you move to another country you should integrate into the local way of live and customs and learn the language as soon as possible.

Prices are still favourable here at the moment and you can purchase apartments from 40,000 there are also an abundance of town houses and villas, but prices are beginning to rise.

Pork seems to be the meat of choice here, with freezers full of neat little lean slices beautifully arranged in packs, the custom also seem to mix pork with beef mince, it certainly tasted different from Angus beef mince! After the first week we had, had enough pork and were touring different supermarkets for different products. It is amazing how quiet the supermarkets are especially in the afternoons; the roads too.

It is a funny experience shopping when you don’t know quite what you are buying and rely on tell-tale signs on the packaging or carrying a dictionary! I did expect more English to be spoken in the shops as it is a sea-side town.

However I am pleased to say I am finding it all a very good experience and I’m not home-sick at all, whether this is because I know we will be returning to England in a few months I’m not sure, but it has been great fun setting up a home here and shopping for essentials and you know every day will be filled with sunshine and blue skies, or virtually every day, anyway!

I have a hobby business which I run from home with a laptop, which gives me an interest whist my partner pursues his sporting hobbies. It is a lifestyle I can fully recommend to anyone contemplating spending winters in the sun.

If you too are looking for a hobby business which is simple to set up, affiliate marketing could be the answer. It is probably the simplest way to work online all you need is a laptop and internet connection so can work almost anywhere. If you work with a mentor to guide and train you, you will have products provided. Delivery of the products is also taken care of and often sales pages provided too.

So two of my dreams completed together, what are your dreams? Make a plan and find a way to execute them. Don’t leave it until it is too late and live with regrets!

Books you may like to read:

„Feel the Fear and Do It Anyway“ by Susan Jeffers.

„Ask for the Moon and Get It!“ by Percy Ross

„Awaken the Giant Within“ by Anthony Robbins.

„The Power of Your Subconscious Mind“ by Joseph Murphy.

„Speed Reading and Speed Memory“ by Tony Bazan

„Building an Online Cash Cow“ by Anthony Barlow.

„The Which Guide Buying Property Abroad

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Anne O’Dwyer

5 Tricks to Find the Best Chicken Houses For Sale

We all know how unhealthy is the food we buy from the supermarket. So why not get some autonomy and eat our own food? There are many ways you can do that – you could plant tomatoes and other nice vegetables but what about protein?

A lot of people have decided that raising chicken might actually be a great idea. It’s rather cheap and you get a lot of benefits form that. First of all you have the eggs almost every day and from time to time you can even have some meat.

So how much does it cost? The only thing which is a bit more expensive is the chicken coop but there are lots of chicken houses for sale out there so it’s only a matter of choosing well. So here are 5 tricks to make a great investment:

  • 1. Don’t buy plastic. Would you like to live in a plastic house? How would you feel? The first and most elementary trick is not to buy plastic houses. There are lots of them especially on eBay but the truth is that chicken won’t lay eggs if they live in such a house. Plastic doesn’t „breathe“ so your chicken will feel really sick while inside the coop. During the winter plastic keeps old and during the summer it makes things really hot. So avoid plastic chicken houses by all means!
  • 2. Chicken need space. You might now have known, but chicken are very social animals. They feel good when they can interact and when they can hang out. They have conflicts and „friendships“ and these social events keep them healthy. So the last thing you want to do is to keep them clustered in a small space. Try to buy a run with the house and try to give them some freedom.
  • 3. It should be a one-time investment. A chicken house is an investment, but it should be a one-time investment. You don’t have to buy a new coop every year. So try to find chicken houses for sale which last. Look for hard real wood and not some cheap house. Better pay once and a little more than pay every year. It’s just not worth it.
  • 4. Choose according to the number of chicken you want to raise. How many chicken do you want to raise? Decide on the number before starting the shopping spree. It’s important that the size of the chicken house and run is adequate to the number of hen you will have.
  • 5. Automate your work. Finally you also need to think about yourself. Do you want to clean every single day and make it a very difficult job or would you rather buy a litter? How about waking up in the morning? Why not buy an automated door which can be set to open at 7am so you can stay more in bed. Automation is great and it will make your life so much easier.

I hope you found those tricks useful. So now you should start looking for the best and a great place to start is here – Chicken Houses for Sale.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Traian Turcu

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