Here's an easy to use bookmarking site that permits you to bookmark your website URLS. It is searchable and accessible to other users. It has lots of raw material for a budding SEO freak or traffic generator. There is nothing to download. It is a ready to go site where you just upload URLS.
Write for a blog
I ran across the site as a result of Yahoo Link Explorer. This is Yahoo's tool for exploring back links. It was through this tool that I discovered a link to a site I'd never known about. The site I found was URL Organizer.
It's simple to sign on. Choose a username, a password, enter your email, and you're ready to go. Start entering bookmarks or URLs.
The website of mine that was on URL Organizer was tagged as a "locator" site. It was tagged by someone who thought something about my site was worthwhile. I checked out their profile and they had hundreds and hundreds of tags and bookmarks.
Write a blog
Why does anyone care Two reasons. First, the site that it back linked to through UR L Organizer is a low traffic, low use site However, it has a Google Page Rank of 1, even though I haven't worked it much. I have to assume that it’s getting good link juice organically through sites like URL Organizer.
Secondly, you can link to your own sites through this website. You can also use it to back link to other people's sites as well. It's a simple to use, free source of link juice. I'm not advising that you abuse it, but you should make use of the opportunity. It’s a Google Page Rank 5 page, and that can’t hurt.
So, here are the steps required:
1) Go to the site at http://url.org/;
2) Register with a username, password and email;
3) Click on “Add a Bookmark”;
4) Insert the URL you want to add;
5) Enter the title of the site;
6) Enter a description of the site;
7) Enter some tags;
8) Set privacy to “public”;
9) Enter the captcha code;
10) Submit!.
There's another way to make use of URL Organizer-search "all bookmarks" for your subject. URL Organizer will give you ideas for tags that you can stick in your bookmark. You'll also find competing websites as well as complimentary ones.
So, take a look. It's simple, free and it works. Bookmark a few for your friends as well.
Friday, September 16, 2011
Thursday, September 15, 2011
Important Tips to Write Good Blogs
Here is a bookmarking site that allows you to add url bookmarks. The database can be searched and accessed by everyone. It has lots of raw material for a budding SEO freak or traffic generator. There is nothing to download. It is a ready to go site where you just upload URLS.
Write for a blog
The way I found it was through Yahoo Link Explorer. This is Yahoo's tool for exploring back links. Using that tool showed me to a link from a site I was previously ignorant of. It led me to the website I'm speaking of, URL Organizer.
Registering is easy. You go through the regular process of picking a username and password, give them and email, and you're done. After that, enter a URL that you want to bookmark.
Write blog
I found that my site on URL Organizer was tagged with “locator”. The person who tagged me obviously found my site somewhat interesting. They've done the same thing with hundreds of other sites.
Why would you care about that? There are two reasons. In the first place, my back linked website is very low traffic, and not well developed However, it has a Google Page Rank of 1, even though I haven't worked it much. I think that it's got juice from some good sites, and I think URL Organizer is one of them.
Secondly, you can link to your own sites through this website. You can also use it to back link to other people's sites as well. It's a simple to use, free source of link juice. I'm not advising that you abuse it, but you should make use of the opportunity. It’s a Google Page Rank 5 page, and that can’t hurt.
These are the steps:
-Visit the site;
-Register;
-Add a bookmark;
-Enter your URL;
-Enter a title;
-Enter a description of the site;
-Enter some tags;
-Select "Public" in the privacy tab;
-Fill in the Captcha box;
-Submit your link.
Here's another trick - search "all bookmarks" for your subject. That should give you ideas for tags that might be useful for you. It can also give you ideas about other sites that might be competitors or complimentary to you.
So, check it out. It’s free, it’s low hassle and I think that it works. Bookmark your own sites, and while you’re there why don’t you throw a book mark to a friend as well.
Write for a blog
The way I found it was through Yahoo Link Explorer. This is Yahoo's tool for exploring back links. Using that tool showed me to a link from a site I was previously ignorant of. It led me to the website I'm speaking of, URL Organizer.
Registering is easy. You go through the regular process of picking a username and password, give them and email, and you're done. After that, enter a URL that you want to bookmark.
Write blog
I found that my site on URL Organizer was tagged with “locator”. The person who tagged me obviously found my site somewhat interesting. They've done the same thing with hundreds of other sites.
Why would you care about that? There are two reasons. In the first place, my back linked website is very low traffic, and not well developed However, it has a Google Page Rank of 1, even though I haven't worked it much. I think that it's got juice from some good sites, and I think URL Organizer is one of them.
Secondly, you can link to your own sites through this website. You can also use it to back link to other people's sites as well. It's a simple to use, free source of link juice. I'm not advising that you abuse it, but you should make use of the opportunity. It’s a Google Page Rank 5 page, and that can’t hurt.
These are the steps:
-Visit the site;
-Register;
-Add a bookmark;
-Enter your URL;
-Enter a title;
-Enter a description of the site;
-Enter some tags;
-Select "Public" in the privacy tab;
-Fill in the Captcha box;
-Submit your link.
Here's another trick - search "all bookmarks" for your subject. That should give you ideas for tags that might be useful for you. It can also give you ideas about other sites that might be competitors or complimentary to you.
So, check it out. It’s free, it’s low hassle and I think that it works. Bookmark your own sites, and while you’re there why don’t you throw a book mark to a friend as well.
Monday, June 13, 2011
The Precautionary Landing Procedure
When bush plane conditions of a landing areaare unknown simply because the landing is an unplanned one or if no advance data is available, you needs to perform a precautionary landing.
This happens ifyou are flying to such a location on as part of a planned flight, or because an unplanned landing is a good idea as a result of changes in the weather, low fuel or oil pressure, or perhaps because of a bush planemedical emergency.
For a backcountry strip, or even a non-dedicated strip like a farmers field, a moose meadow or a gravel bar a fly over inspection is needed, and typically the only method to obtain the requisite details to land.
Unplanned landings as a result of urgent, but non-emergency situations require the same sort of approach. Fuel guages that read empty, even when you're sure that the tanks are still full, require that you land in order to investigate. In most cases you can't determine whether the gagge is faulty or the tank is leaking from your seat in the cockpit. Still, if you have sufficient power and the airplane is behaving normally you can't consider it an emergency. The engine hasn't failed, there isn't a massive loss of power, and there is no imminenet danger to life or machine. The landing is unplanned, but it is a precaution. This is also the case for medical issues, minor mechanical problems or bush planelow oil pressure.
Another reason for precautionary landings is deterioration of weather. You may begin a flight in acceptable weather conditions only to have them deteriorate pst acceptable VFR standards. Low fuel or bad weather behind you may prevent you from simply turning around or diverting. In this a precautionary landing may be in order.
Use the following Precautionary Landing procedure if any of the following things occur:
Fuel is low, or the gauges read low, or oil pressure has dropped;
There is a medical emergency that is best dealt with on the ground;
If weather has deteriorated below VFR minima;
The bush plane conditions at the landing area are unknown;
The first three scenarios are Pan Pan, not Mayday, situations. There is no need to make the Pan Pan call if you are making a planned landing at an unknown airstrip. Forced landings are for when you lose an engine entirely or suffer a massive loss of power; precautionary landings are executed when you are not in imminent danger - don't get them confused.
This procedure has 8 steps:
One) Begin at the regular circuit height of 1000 feet AGL
Two) Fly a normal downwing leg to inspect the landing zone to decide if a lower pass is safe; this is called the high inspection. Keep an eye out for any hazards like trees, towers, power poles or anything else tha may effect closer inspection. Scan for cues to wind velocity and direction.
Three) The next stage is low inspection, which is an upwind leg flown at a lower altitude. Fly parallel to the landing area in order to examine it. Establish the airplane in trimmed, level flight at 60 knots with flaps at 10 degrees. Fly as low as you safely can while scanning the proposed landing strip. Try to detect anything, whether obstacles or terrain conditions that will effect your landing. At a speed of 60 knots you cover 100 feet every second, so it's a good way to estimate landing strip length. Thirteen to fourteen seconds should give you enough room to land, depending on conditions.
Four) Overshoot, apply full power and return to circuit altitude. Get back into a normal circuit pattern in anticipation of landing.
.
Five) Make your radio call advising who you are, whereyou are and what you're doing
Six) Brief any passengers;
Seven) Complete the normal pre-landing checks - primer in and locked, master on, mags both, cicuit breakers/fuses, carb heat hot, mixture full rich, seats and harnesses secure, fuel on, test brakes;.
(These last three are sometimes called the 3 Ps, Pan Pan, passenger briefing and pre-landing )
Eight) Land the airplane as appropriate. Whether it is a short field, soft field or combination of the two will be dependent on the conditions. Don't forget to take any obstacles that can't be avoided into account
This happens ifyou are flying to such a location on as part of a planned flight, or because an unplanned landing is a good idea as a result of changes in the weather, low fuel or oil pressure, or perhaps because of a bush planemedical emergency.
For a backcountry strip, or even a non-dedicated strip like a farmers field, a moose meadow or a gravel bar a fly over inspection is needed, and typically the only method to obtain the requisite details to land.
Unplanned landings as a result of urgent, but non-emergency situations require the same sort of approach. Fuel guages that read empty, even when you're sure that the tanks are still full, require that you land in order to investigate. In most cases you can't determine whether the gagge is faulty or the tank is leaking from your seat in the cockpit. Still, if you have sufficient power and the airplane is behaving normally you can't consider it an emergency. The engine hasn't failed, there isn't a massive loss of power, and there is no imminenet danger to life or machine. The landing is unplanned, but it is a precaution. This is also the case for medical issues, minor mechanical problems or bush planelow oil pressure.
Another reason for precautionary landings is deterioration of weather. You may begin a flight in acceptable weather conditions only to have them deteriorate pst acceptable VFR standards. Low fuel or bad weather behind you may prevent you from simply turning around or diverting. In this a precautionary landing may be in order.
Use the following Precautionary Landing procedure if any of the following things occur:
Fuel is low, or the gauges read low, or oil pressure has dropped;
There is a medical emergency that is best dealt with on the ground;
If weather has deteriorated below VFR minima;
The bush plane conditions at the landing area are unknown;
The first three scenarios are Pan Pan, not Mayday, situations. There is no need to make the Pan Pan call if you are making a planned landing at an unknown airstrip. Forced landings are for when you lose an engine entirely or suffer a massive loss of power; precautionary landings are executed when you are not in imminent danger - don't get them confused.
This procedure has 8 steps:
One) Begin at the regular circuit height of 1000 feet AGL
Two) Fly a normal downwing leg to inspect the landing zone to decide if a lower pass is safe; this is called the high inspection. Keep an eye out for any hazards like trees, towers, power poles or anything else tha may effect closer inspection. Scan for cues to wind velocity and direction.
Three) The next stage is low inspection, which is an upwind leg flown at a lower altitude. Fly parallel to the landing area in order to examine it. Establish the airplane in trimmed, level flight at 60 knots with flaps at 10 degrees. Fly as low as you safely can while scanning the proposed landing strip. Try to detect anything, whether obstacles or terrain conditions that will effect your landing. At a speed of 60 knots you cover 100 feet every second, so it's a good way to estimate landing strip length. Thirteen to fourteen seconds should give you enough room to land, depending on conditions.
Four) Overshoot, apply full power and return to circuit altitude. Get back into a normal circuit pattern in anticipation of landing.
.
Five) Make your radio call advising who you are, whereyou are and what you're doing
Six) Brief any passengers;
Seven) Complete the normal pre-landing checks - primer in and locked, master on, mags both, cicuit breakers/fuses, carb heat hot, mixture full rich, seats and harnesses secure, fuel on, test brakes;.
(These last three are sometimes called the 3 Ps, Pan Pan, passenger briefing and pre-landing )
Eight) Land the airplane as appropriate. Whether it is a short field, soft field or combination of the two will be dependent on the conditions. Don't forget to take any obstacles that can't be avoided into account
Monday, June 6, 2011
How to pick a flying School
Deciding which bush pilot training to use is difficult because before you've actually started learning to fly you probably don't have good criteria to base your decision on.
When I began comparing schools I looked at three things: price, time and groundschool. I didn't want to pay too much, I wanted to get a license as soon as possible and I wanted convenient times and locations for groundschool.
Looking back I think I can say that, of the three criteria only bush pilot training emergedas a lasting quality on which to base a decision. Groundschool will teach you whatyou need to pass the written exam. There are different options available. You can take it online, one on one or in a classroom setting. Location can be on or off airport and they can be offered during the day or evening. If you're a mature student with a full-time job an off airport night time class can be very advantageous. On the other hand, if you're young and can devote full days throughout the week to learning to fly then an on airport daytime setting is likely more practical.
If you have an optiogon do not depend on an online course. The material is too dense and technical to lend itself easily to self-study. A lively and experienced pilotwho can bring flying experience and practical application to the subject matter.
The amount of time required to learn to fly varies with each individual. If you flyonce a week you'll need more hours than someone who flies everyday; younger people often pick up the motor skills required to fly more quickly than older people. What this means is that it is difficult
for a flying school to accurately estimate how long it will take a given individual to learn how to fly, and so comparing the inaccurate estimates of different schools isn't likely to lead to a good decision.
What's more, sometimes schools will provide unrealistic timeframes, and that brings up costs. An
unrealistically short time estimate translates into a lower cost, except that the estimate is unrealistic.
The fact is that learning to fly, like flying itself, is expensive. Don't try to save money on the education - save it in other areas instead. If you can buy a share in a plane, for example, you could spend the same amount of money as renting, but end up owning a share of an airplane by the time you earn your PPL.
If only one of my three initial reasons for bush pilot training is a good one, what others can you use? To begin with, choose a school that doesn't begin by misleading you about how long it will take or how much it will cost or how easy ground school will be. It's a good sign when a school is honest about cost, time and difficulty.
Another way to compare schools is the number and quality of aircraft . A school with a single aircraft might mean that you're grounded when it comes time for maintenance or repair. At the same time, maintenance is important. A multi-aircraft school wih a maintenance facility is a great sign. Age of the aircraft isn't critical, but they should be well maintained and cared for. Ask the school operator about maintenance and repair policies. The things that you hear can be instructive.
Staff is another thing to compare. Its sometimes easier to learn with a consistent instructor, so try to find out about turnover, and how long instructors have been with the school. It's natural for instructors to move along in their aviation careers, but excessive turnover can be a sign of poor management.
Learning to fly is an involved process, and perhaps the most important thing for a school to have is a systematic approach to the process.
When I was shopping for schools I checked out several. While all the operators seemed like great guys several seemed as if they were trying to pull off more than they could handle. The school I eventually chose was very clean, well organized, was run by a non-instructor, had multiple planes and instructors, and an onsite maintenance facility. The staff also allowed me to use my own plane and combine cross country training with business trips.Soon after beginning my training I realized that cost and time were not important considerations. Safe planes and quality instruction were. I recommend that you choose your bush pilot training on the same basis.
When I began comparing schools I looked at three things: price, time and groundschool. I didn't want to pay too much, I wanted to get a license as soon as possible and I wanted convenient times and locations for groundschool.
Looking back I think I can say that, of the three criteria only bush pilot training emergedas a lasting quality on which to base a decision. Groundschool will teach you whatyou need to pass the written exam. There are different options available. You can take it online, one on one or in a classroom setting. Location can be on or off airport and they can be offered during the day or evening. If you're a mature student with a full-time job an off airport night time class can be very advantageous. On the other hand, if you're young and can devote full days throughout the week to learning to fly then an on airport daytime setting is likely more practical.
If you have an optiogon do not depend on an online course. The material is too dense and technical to lend itself easily to self-study. A lively and experienced pilotwho can bring flying experience and practical application to the subject matter.
The amount of time required to learn to fly varies with each individual. If you flyonce a week you'll need more hours than someone who flies everyday; younger people often pick up the motor skills required to fly more quickly than older people. What this means is that it is difficult
for a flying school to accurately estimate how long it will take a given individual to learn how to fly, and so comparing the inaccurate estimates of different schools isn't likely to lead to a good decision.
What's more, sometimes schools will provide unrealistic timeframes, and that brings up costs. An
unrealistically short time estimate translates into a lower cost, except that the estimate is unrealistic.
The fact is that learning to fly, like flying itself, is expensive. Don't try to save money on the education - save it in other areas instead. If you can buy a share in a plane, for example, you could spend the same amount of money as renting, but end up owning a share of an airplane by the time you earn your PPL.
If only one of my three initial reasons for bush pilot training is a good one, what others can you use? To begin with, choose a school that doesn't begin by misleading you about how long it will take or how much it will cost or how easy ground school will be. It's a good sign when a school is honest about cost, time and difficulty.
Another way to compare schools is the number and quality of aircraft . A school with a single aircraft might mean that you're grounded when it comes time for maintenance or repair. At the same time, maintenance is important. A multi-aircraft school wih a maintenance facility is a great sign. Age of the aircraft isn't critical, but they should be well maintained and cared for. Ask the school operator about maintenance and repair policies. The things that you hear can be instructive.
Staff is another thing to compare. Its sometimes easier to learn with a consistent instructor, so try to find out about turnover, and how long instructors have been with the school. It's natural for instructors to move along in their aviation careers, but excessive turnover can be a sign of poor management.
Learning to fly is an involved process, and perhaps the most important thing for a school to have is a systematic approach to the process.
When I was shopping for schools I checked out several. While all the operators seemed like great guys several seemed as if they were trying to pull off more than they could handle. The school I eventually chose was very clean, well organized, was run by a non-instructor, had multiple planes and instructors, and an onsite maintenance facility. The staff also allowed me to use my own plane and combine cross country training with business trips.Soon after beginning my training I realized that cost and time were not important considerations. Safe planes and quality instruction were. I recommend that you choose your bush pilot training on the same basis.
Wednesday, June 1, 2011
Extensive Earthquakes
Right after media accounts of extensive earthquakes,vancouver property management, house owners enquire about earthquake insurance coverage fortheir condominiums.Indeed, your condo corporation is protected, but keep in mind that your belongings aren't protected and the condo corporation's plan features a insurance deductible (see beneath). Please be aware the condo corporation's insurance coverage plan doesn't protect your belongings and, as a result, you need to make sure that your home-owner's plan will. When there is a big quake "fittings" and flooring added by you won't, with the exception of in restricted situations,be protected by your strata corporation's insurance coverage plan both. Believe of one's strata corporation's insurance coverage as covering your strata great deal only because it existed on "day one" when it was offered through the developer. Most enhancements and betterments because then aren't protected through the strata corporation's insurance coverage plan. You need to verify together with your very own vancouver property management agent to acquire protection for these products. In the event you don't possess a "tenant's" or "home owner's" package deal! you need to think about it.
Insurance deductible:
Your condo corporation features a complete insurance coverage plan, which consists of vancouver property management.Please be aware, nevertheless, the earthquake protection features a insurance deductible which, at the moment, is in between ten - 20% with the complete. appraised and insured worth with the condo corporation. It's obvious that this kind of a insurance deductible indicates a great deal of cash within the occasion of an earthquake, even a gentle 1. To place it an additional way, your condo corporation is uninsured for earthquake brought on harm as much as the insurance deductible quantity. It isn't feasible to buy supplementary insurance coverage to protect this insurance deductible; nevertheless, it might be feasible for you personally, as being a home-owner, to buy an earthquake rider in your homeowner's plan, which might offer protection for your personal strata great deal although not for your strata corporation's typical house. Your personal insurance coverage broker ought to have the ability to offer additional info on this subject.
When you have any concerns regarding the strata corporation's vancouver property management, make sure you really feeltotally free to get in touch with your strata agent throughout normal company hrs.
Insurance deductible:
Your condo corporation features a complete insurance coverage plan, which consists of vancouver property management.Please be aware, nevertheless, the earthquake protection features a insurance deductible which, at the moment, is in between ten - 20% with the complete. appraised and insured worth with the condo corporation. It's obvious that this kind of a insurance deductible indicates a great deal of cash within the occasion of an earthquake, even a gentle 1. To place it an additional way, your condo corporation is uninsured for earthquake brought on harm as much as the insurance deductible quantity. It isn't feasible to buy supplementary insurance coverage to protect this insurance deductible; nevertheless, it might be feasible for you personally, as being a home-owner, to buy an earthquake rider in your homeowner's plan, which might offer protection for your personal strata great deal although not for your strata corporation's typical house. Your personal insurance coverage broker ought to have the ability to offer additional info on this subject.
When you have any concerns regarding the strata corporation's vancouver property management, make sure you really feeltotally free to get in touch with your strata agent throughout normal company hrs.
Sunday, May 29, 2011
Building with Cordwood
Cordwood (also known as "stackwood" or "stovewood") masonry building is composed of utilizing uniform bits of timber and stacking them to craft some style of wall structure kept together by means of mortar. It's honestly that easy, but there are several variants.
The term "off grid real estate" comes from the raw material: identical pieces of firewood such as the manner you'd encounter in a firewood stack, which, as we know, gets measured in "cords" and consequently sometimes dubbed "cordwood". The practice is also called "stackwall" assembly or "stovewood" fabrication for the same idea.
Each piece of wood are built up in the same way you'd probably heap up a load of fuelwood, with the exception that with each row you lay down two parallel rows of cement along the outside edges of the stack. The plaster is about 4" across. If you employ twenty-four inch long sections of fire wood you finish up with a break in between the masonry rows, in the wall partition area, of about sixteen inches. You should really load this area with some form of insulation. You could use fibreglass, rockwool, sawdust or pretty much anything at all that would prohibit the airflow and heat loss. And, if you are shifting offgrid and attempting to be low footprint you can try being original.
If you are setting up in a inaccessible locale with little muscle try to remember: manhandling a 10" thick 15 foot long tree trunk can be really challenging. A block and tackle plus added helping hands may enable you to accomplish it, but in the case that you have only got one or two people imagine how much easier it is to form the same 15' long wall panel with sixteen inches pieces.
Before you Prior to when you start building you have to accumulate supplies. Of course you'll need to have a source of wood rounds, some form of mortaring componentss (cement, lime, sand, sawdust and paper can be used, but other componentss will work as well). If you're able to, do yourself a favour and buy a small concrete mixer. You'll also need to have some wood to make frames for the doors and windows, and you will need some manner of framework for the roof. Assuming that you can acquire whatever doors and windows you're making use of before you start off, all the better, because you can be able to frame the rough holes the right size.
The fire wood needs to be moisture free, and de-barked. Always remember that preparing the wood to ideal condition can potentially take three years. Also don’t forget that you could form with green raw wood if utilitarian is the mission (you may form the stackwood mansion once you're set up)
The same as all building, you need to get started with a "off grid real estate". The kind you pick will depend on what area you're building in. Something that's going to get inspected and must meet a building code will require some concrete work, even if only sono-tube piers. A more inaccessible region will provide you with more freedom. In fact, in a very isolated location it would be feasible to dig a shallow trench along the perimeter of the building and fill it with rocks a few inches higher than grade level, and then start building the wall space on top (the key in this form of environment is to get past vegetative soil and into mineral soil - sand, gravel or hardpan - which won't deteriorate and move after you've built on it. A rock filled trench will not transfer moisture above the water line.
You can also put together your building on a big stone, if a big enough room or space is available, or construct a foundation of timbers or logs laid on top of large rocks. Focus on drainage, and remember that you can erect a level interior floor afterwards, whether of raw wood or fill.
Once you have made the substructure you may begin creating the wall spaces. Wall partitions go from one corner to the another, a corner to an intersection with another wall space, or between 2 crosspoints. Corners and unions are structural prospects. If perhaps you've fashioned a formwork of substantial pieces of wood your house will be stable before you start filling in the space between. If you are not using a timber frame you will need to make out how to bind corners and wall space intersections together. It is possible to make interlocking corners, as in a log cabin, with sections of timber sizeable enough to tie things together but small enough handled by on person.
The walls can consist solely of stackwood rounds, of split stackwood rounds or a mishmash) are sometimes put to use.
The "off grid real estate" of the roof will depend on your personal preference, location, the natural environment and the design. If there is a big snowload to consider it is smart to use a steep rooftop; if collecting rainwater is in your scheme then some different raw materials will surely be called for, and a substantial rooftop will likely need a solid constitution to keep it up. One standard characteristic, often, are large eaves. The less weather comes in contact with the wall partitions, the better. Make sure you have a minimum of sixteen inches.
Roofing material might be practically almost anything. There can be galvanized metal roofed stackwood homes, as well as dirt roofed varieties. Yet again, inventiveness, strength, safety and low impact are the desired goals. There are many choices attainable.
"Off grid real estate" solutions have been around for at least 1,000 years, and in all probability longer. They can be quite affordable to build, and can be assembled by a single individual if required. As a result, they're a great option for an individual relocating off grid.
The term "off grid real estate" comes from the raw material: identical pieces of firewood such as the manner you'd encounter in a firewood stack, which, as we know, gets measured in "cords" and consequently sometimes dubbed "cordwood". The practice is also called "stackwall" assembly or "stovewood" fabrication for the same idea.
Each piece of wood are built up in the same way you'd probably heap up a load of fuelwood, with the exception that with each row you lay down two parallel rows of cement along the outside edges of the stack. The plaster is about 4" across. If you employ twenty-four inch long sections of fire wood you finish up with a break in between the masonry rows, in the wall partition area, of about sixteen inches. You should really load this area with some form of insulation. You could use fibreglass, rockwool, sawdust or pretty much anything at all that would prohibit the airflow and heat loss. And, if you are shifting offgrid and attempting to be low footprint you can try being original.
If you are setting up in a inaccessible locale with little muscle try to remember: manhandling a 10" thick 15 foot long tree trunk can be really challenging. A block and tackle plus added helping hands may enable you to accomplish it, but in the case that you have only got one or two people imagine how much easier it is to form the same 15' long wall panel with sixteen inches pieces.
Before you Prior to when you start building you have to accumulate supplies. Of course you'll need to have a source of wood rounds, some form of mortaring componentss (cement, lime, sand, sawdust and paper can be used, but other componentss will work as well). If you're able to, do yourself a favour and buy a small concrete mixer. You'll also need to have some wood to make frames for the doors and windows, and you will need some manner of framework for the roof. Assuming that you can acquire whatever doors and windows you're making use of before you start off, all the better, because you can be able to frame the rough holes the right size.
The fire wood needs to be moisture free, and de-barked. Always remember that preparing the wood to ideal condition can potentially take three years. Also don’t forget that you could form with green raw wood if utilitarian is the mission (you may form the stackwood mansion once you're set up)
The same as all building, you need to get started with a "off grid real estate". The kind you pick will depend on what area you're building in. Something that's going to get inspected and must meet a building code will require some concrete work, even if only sono-tube piers. A more inaccessible region will provide you with more freedom. In fact, in a very isolated location it would be feasible to dig a shallow trench along the perimeter of the building and fill it with rocks a few inches higher than grade level, and then start building the wall space on top (the key in this form of environment is to get past vegetative soil and into mineral soil - sand, gravel or hardpan - which won't deteriorate and move after you've built on it. A rock filled trench will not transfer moisture above the water line.
You can also put together your building on a big stone, if a big enough room or space is available, or construct a foundation of timbers or logs laid on top of large rocks. Focus on drainage, and remember that you can erect a level interior floor afterwards, whether of raw wood or fill.
Once you have made the substructure you may begin creating the wall spaces. Wall partitions go from one corner to the another, a corner to an intersection with another wall space, or between 2 crosspoints. Corners and unions are structural prospects. If perhaps you've fashioned a formwork of substantial pieces of wood your house will be stable before you start filling in the space between. If you are not using a timber frame you will need to make out how to bind corners and wall space intersections together. It is possible to make interlocking corners, as in a log cabin, with sections of timber sizeable enough to tie things together but small enough handled by on person.
The walls can consist solely of stackwood rounds, of split stackwood rounds or a mishmash) are sometimes put to use.
The "off grid real estate" of the roof will depend on your personal preference, location, the natural environment and the design. If there is a big snowload to consider it is smart to use a steep rooftop; if collecting rainwater is in your scheme then some different raw materials will surely be called for, and a substantial rooftop will likely need a solid constitution to keep it up. One standard characteristic, often, are large eaves. The less weather comes in contact with the wall partitions, the better. Make sure you have a minimum of sixteen inches.
Roofing material might be practically almost anything. There can be galvanized metal roofed stackwood homes, as well as dirt roofed varieties. Yet again, inventiveness, strength, safety and low impact are the desired goals. There are many choices attainable.
"Off grid real estate" solutions have been around for at least 1,000 years, and in all probability longer. They can be quite affordable to build, and can be assembled by a single individual if required. As a result, they're a great option for an individual relocating off grid.
Saturday, May 21, 2011
Stinson's Bushplane
Back in the mid-60s my uncle owned a recreational aviation. I never flew it, but after he passed on I researched it a bit and found that it's still getting regular use right here in British Columbia. It's set up on floats now, and looks like a great backcountry plane now.
That got me thinking about Stinsons as bushplanes. It just so happens they're extremely reliable if you desire a 4 person workhorse.
Edward Stinson began Stinson Aircraft back in 1920, a time when aircraftbuilding airplanes had to be a labour of love. Stinson would have been a pilot first and a manufacturer second (I think we airman all fully understand why). Regrettably, he died in 1938 in a plane crash. This transpired just as the Second World War was about to start, and while the war was a terrible affair for millions it supplied a exceptional boost to aviation. Stinson Aircraft made countless small planes for the government, particularly observation and liaison aircraft.
Soon after World War II the Stinson Co. was acquired by Consolidated Vultee(there is such a thing as a Vultee Stinson). In 1949 the company was bought out by Piper Aircraft, but it went on putting together aeroplanes, most markedly the 108 models. Many of them made the trip into the bush, and quite a few of them remain, flying dependably in faraway spots.
The bush pilot training was really popular, and they were all put together in the five years from 1945 to 1950. The aircraft was based upon on the pre-war 10A Voyager and all 108, 108-1, 108-2, 108-3 and 108-4 model aircraft were created at the Fort Wayne manufacturing unit. By 1949 when Piper Aircraft got the STC for the 108 there were 325 of 5,260 constructed that were built, but unsold. That inventory was transferred to the Piper company and were marketed as Piper-Stinsons, although I've never encountered any Stinson 108s on the modern used market called that. Bottom line, all of the 108s that you'll look at were constructed during a 5-year time frame and there are still a whole lot of them existing today. That fact positively speaks to the aircraft's' sturdiness and functionality.
Stinsons are fabric covered plane, with steel tubes. Some have been covered with aluminum, on the wings, fuselage, or both, with STCs. Metalized aircraft are probably a little bit more amenable to storage outside and not so good weather, but they do waive a tad to fabric covered airplanes in regards to weight and performance.
Stinson 108s with a Franklin 150 hp motor but various other different engines can be fitted in the Stinsons with an STC . Included among these are the Lycoming O-360, Franklin 220/220, and the Continental O-470. Franklins were fine engines, but there is a debate with replacement parts. It's said that parts are hard to get. Others disagree, and indicate that there are lots of Franklin motors around which results in a healthy secondary parts market. Franklin engines were acquired by a Polish corporation, PLZ, and I have to say, I see more Lycoming and Continental ads around. The Franklin website says that the company is for sale currently, but they do supply conversion kits for 108s. (Evidently, in the late 1940s Franklin really dominated the US general aviation market, but it was bought by the Tucker Automobile Company, which then cancelled the aircraft contracts and really compromised the company).
Regardless there are lots of conversions available for the bush plane and they all add more horsepower - Lycoming O-435 (190hp), O-360 (180hp) & IO-360 (200hp), the Continental IO-360 (210hp) & O-470 (230hp) as well as Franklin (220hp). Another thing to think about with powerplants is their weight, which is added up front. Like many things, it's about trade offs, but fliers argue a bit over whether the added HP from a conversion is worth the weight involved. As the saying goes, it all adds up.
Each of the 108 variations closely resemble one another but you can distinguish them by a few variances. The 108 doesn't have a right-side cargo door, but the 108-1 does. Both these airplanes featured the 150 hp motor. The 108-2 was fundamentally the same as 108-1, but it came with a 165 HP powerplant & an inflight adjustable rudder trim (I've played around with my rudder trim tab, and think inflight adjustment would be neat). The 108 and 108-2 featured 40 gallon wing fuel tanks. The 108-3 introduced a taller vertical fin and the rudder had a straight trailing edge. Some pilots claim that the smaller tail fin in the 108-2 delivers better crosswind landing performance. There appear to be a lot of these aircraft around. They come with 50 gallon fuel tanks in the wings,and a higher gross weight than the 108 and 108-2, (2400 lbs.), meaning full fuel, 680 lbs of PX, and 50 lbs. baggage allowance.
The "bush pilot" model (did everyone want to get "Wagon" into their name back then?) was an available option with the -1, -2 and -3 models, featuring a utility interior featuringthe wood paneling you run across in so many cool restorations and a reinforced floor, permitting a total of 600 lbs. of gear in the passenger compartment. The bush value is clear. The aircraft can be equipped with wheel, float or ski landing gear.
The 108s can take four individuals. They're 25 feet 3 inches long, and have a wingspan of 34 feet. The wing area is 155 square feet. Empty weight ranges from 1,350 lbs and 1,500 lbs. Max weight is 2,400 lbs. The difference between them is the useful load you can stick in. The maximum speed is about 133 mph, but that obviously depends upon the engine. Range is roughly 500 miles with a burn rate of approximately 12 gph. Service ceiling, like many normally aspirated aircraft, is 13,000 ft, but it has a respectable rate of climb - 650 ft/min. The take-off roll is reported to be 620 feet. Pilot reports say that with two people they can take off in 500 ft., but fully loaded aircraft will use three times that. It can land in under 300 feet.
The Stinson is a marvelous backcountry plane. They're reputed to be smooth flyers in the air, whether on floats or in the traditional set up. They're also supposed to be very stable in slow flight, which is a very good quality for STOL work. The wing comes with a leading edge slot that contributes tothe docile stall. The landing gear is quite solid and is a excellent shock absorber. While I've heard the 108 described as slower and awkward, I've also noticed a whole lot of pilots compliment is on aviation boards. It is very roomy, that's for sure.
There is an annual Stinson fly-in at Columbia, CA that has been going on for 30 years or so now, as well as one in Vancouver, Washington, and several terrific Stinson websites.
That got me thinking about Stinsons as bushplanes. It just so happens they're extremely reliable if you desire a 4 person workhorse.
Edward Stinson began Stinson Aircraft back in 1920, a time when aircraftbuilding airplanes had to be a labour of love. Stinson would have been a pilot first and a manufacturer second (I think we airman all fully understand why). Regrettably, he died in 1938 in a plane crash. This transpired just as the Second World War was about to start, and while the war was a terrible affair for millions it supplied a exceptional boost to aviation. Stinson Aircraft made countless small planes for the government, particularly observation and liaison aircraft.
Soon after World War II the Stinson Co. was acquired by Consolidated Vultee(there is such a thing as a Vultee Stinson). In 1949 the company was bought out by Piper Aircraft, but it went on putting together aeroplanes, most markedly the 108 models. Many of them made the trip into the bush, and quite a few of them remain, flying dependably in faraway spots.
The bush pilot training was really popular, and they were all put together in the five years from 1945 to 1950. The aircraft was based upon on the pre-war 10A Voyager and all 108, 108-1, 108-2, 108-3 and 108-4 model aircraft were created at the Fort Wayne manufacturing unit. By 1949 when Piper Aircraft got the STC for the 108 there were 325 of 5,260 constructed that were built, but unsold. That inventory was transferred to the Piper company and were marketed as Piper-Stinsons, although I've never encountered any Stinson 108s on the modern used market called that. Bottom line, all of the 108s that you'll look at were constructed during a 5-year time frame and there are still a whole lot of them existing today. That fact positively speaks to the aircraft's' sturdiness and functionality.
Stinsons are fabric covered plane, with steel tubes. Some have been covered with aluminum, on the wings, fuselage, or both, with STCs. Metalized aircraft are probably a little bit more amenable to storage outside and not so good weather, but they do waive a tad to fabric covered airplanes in regards to weight and performance.
Stinson 108s with a Franklin 150 hp motor but various other different engines can be fitted in the Stinsons with an STC . Included among these are the Lycoming O-360, Franklin 220/220, and the Continental O-470. Franklins were fine engines, but there is a debate with replacement parts. It's said that parts are hard to get. Others disagree, and indicate that there are lots of Franklin motors around which results in a healthy secondary parts market. Franklin engines were acquired by a Polish corporation, PLZ, and I have to say, I see more Lycoming and Continental ads around. The Franklin website says that the company is for sale currently, but they do supply conversion kits for 108s. (Evidently, in the late 1940s Franklin really dominated the US general aviation market, but it was bought by the Tucker Automobile Company, which then cancelled the aircraft contracts and really compromised the company).
Regardless there are lots of conversions available for the bush plane and they all add more horsepower - Lycoming O-435 (190hp), O-360 (180hp) & IO-360 (200hp), the Continental IO-360 (210hp) & O-470 (230hp) as well as Franklin (220hp). Another thing to think about with powerplants is their weight, which is added up front. Like many things, it's about trade offs, but fliers argue a bit over whether the added HP from a conversion is worth the weight involved. As the saying goes, it all adds up.
Each of the 108 variations closely resemble one another but you can distinguish them by a few variances. The 108 doesn't have a right-side cargo door, but the 108-1 does. Both these airplanes featured the 150 hp motor. The 108-2 was fundamentally the same as 108-1, but it came with a 165 HP powerplant & an inflight adjustable rudder trim (I've played around with my rudder trim tab, and think inflight adjustment would be neat). The 108 and 108-2 featured 40 gallon wing fuel tanks. The 108-3 introduced a taller vertical fin and the rudder had a straight trailing edge. Some pilots claim that the smaller tail fin in the 108-2 delivers better crosswind landing performance. There appear to be a lot of these aircraft around. They come with 50 gallon fuel tanks in the wings,and a higher gross weight than the 108 and 108-2, (2400 lbs.), meaning full fuel, 680 lbs of PX, and 50 lbs. baggage allowance.
The "bush pilot" model (did everyone want to get "Wagon" into their name back then?) was an available option with the -1, -2 and -3 models, featuring a utility interior featuringthe wood paneling you run across in so many cool restorations and a reinforced floor, permitting a total of 600 lbs. of gear in the passenger compartment. The bush value is clear. The aircraft can be equipped with wheel, float or ski landing gear.
The 108s can take four individuals. They're 25 feet 3 inches long, and have a wingspan of 34 feet. The wing area is 155 square feet. Empty weight ranges from 1,350 lbs and 1,500 lbs. Max weight is 2,400 lbs. The difference between them is the useful load you can stick in. The maximum speed is about 133 mph, but that obviously depends upon the engine. Range is roughly 500 miles with a burn rate of approximately 12 gph. Service ceiling, like many normally aspirated aircraft, is 13,000 ft, but it has a respectable rate of climb - 650 ft/min. The take-off roll is reported to be 620 feet. Pilot reports say that with two people they can take off in 500 ft., but fully loaded aircraft will use three times that. It can land in under 300 feet.
The Stinson is a marvelous backcountry plane. They're reputed to be smooth flyers in the air, whether on floats or in the traditional set up. They're also supposed to be very stable in slow flight, which is a very good quality for STOL work. The wing comes with a leading edge slot that contributes tothe docile stall. The landing gear is quite solid and is a excellent shock absorber. While I've heard the 108 described as slower and awkward, I've also noticed a whole lot of pilots compliment is on aviation boards. It is very roomy, that's for sure.
There is an annual Stinson fly-in at Columbia, CA that has been going on for 30 years or so now, as well as one in Vancouver, Washington, and several terrific Stinson websites.
Friday, May 20, 2011
Taxes on Real Estate investments
What Does the Taxman Say?
Rental real estate investment vancouver property management is enticing in so many ways. One advantage is its income tax treatment. You've probably heard it stated that the federal government will aid you to purchase rental assets by providing outstanding non-resident taxation. Its factual.
I'm not an bookkeeper or a tax expert, but its pretty obvious that you can charge off property expenses against property net income. A lot of individuals also write off non-resident taxation against earnings earned from other sources. What that does is make it possible for an investor to choose when he pays off some of his tax bill, and on what basis he will pay taxes.
Rather than of paying taxes on all your earned profits, you reduce taxable income by spending cash on items like mortgage interest and property repairs, which is inclined to boost your equity in coronet realty and assets. If you ever sell off you'll effectively have to pay capital gains on any income that you took off your taxable income through property expenses, but that rate will most likely be less, and it will be in the future. Almost all accountants and/or bookkeepers will recommend deferring any tax you can, and this is a simple way to do it.
Rental real estate investment vancouver property management is enticing in so many ways. One advantage is its income tax treatment. You've probably heard it stated that the federal government will aid you to purchase rental assets by providing outstanding non-resident taxation. Its factual.
I'm not an bookkeeper or a tax expert, but its pretty obvious that you can charge off property expenses against property net income. A lot of individuals also write off non-resident taxation against earnings earned from other sources. What that does is make it possible for an investor to choose when he pays off some of his tax bill, and on what basis he will pay taxes.
Rather than of paying taxes on all your earned profits, you reduce taxable income by spending cash on items like mortgage interest and property repairs, which is inclined to boost your equity in coronet realty and assets. If you ever sell off you'll effectively have to pay capital gains on any income that you took off your taxable income through property expenses, but that rate will most likely be less, and it will be in the future. Almost all accountants and/or bookkeepers will recommend deferring any tax you can, and this is a simple way to do it.
Wednesday, May 18, 2011
How to Use Jetspinner to Save Time
Article marketing is employed to build backlinks to your target sites. You generate an article, set all sorts backlinks in it, and post it on a blog or at an ezine.
To be effectual you create one article, and then spin it to develop several distinct articles for employment at a range of sites.
The article content should always be totally unique or Google may ignore the links. There are many different classes of programs employed to re-spin articles. I've been utilizing Jetspinner.
Utilizing Jetspinner is really simple. The whole program is dependent on code using curly brackets and the the vertical bar.
You find the word or phrase you want to replace and place a the opening curly bracket in front of it to indicate that the spinner has to perform, you place a the vertical bar after the word or phrase, then you stick in the alternate you want to utilize, and close the code snippet with the the closing curly bracket. When you re-spin the article the program will choose one of the alternate choices between the curly brackets, which you've divided by the the vertical bar. You can position in as many alternate words or phrases as you like, as long as you split each one with a the vertical bar.
Once you code the article Jetspinner will re-spin it, give you one randomly spun article, and let you to download a zip file of 50, 100, or any other number of randomly spun articles. It is a fantastic time saver, and it's totally free.
The 1st thing that you must do is come up with the article. I commonly start off right in Jetspinner, although I also create stuff in other text programs, including emails or notepad programs on my iPhone. This allows me to build articles and blog posts anywhere.
Once the article is preparedit is time to code it. Many times it's worthwhile placing the article away for a while in order to clear your head. This allows you to discover errors and confused writing easily. Whether you do this or not the next step is the coding.
If it's a short article I just start picking words or phrases and inserting the first curly bracket and the vertical bar. Jetspinner features an Ajax thesaurus feature that suggests alternate words and phrases as soon as you enter the the vertical bar after the first curly bracket and the word you want options for. It can be a bit tricky, so take notewhen you decide on the options and be sure that that they are going in where you want them.
It's critical for you to save the spin code on a regular basis. There are a couple of reasons for this. First, since you're working on a web page a stray finger can take you off the page and cause you to lose work. Second, re-spinning frequently will tell you when you've made a coding mistake. The coding error will stop the spinning, so if you have a 500 word article coded for re-spinning, bu t the spun article is only 35 words long you'll know that you've made a code error. You'll also recognize that the error is around the 35 word point. Once you've spun the article once it's saved, and you can just click the edit button to go back to editing your article.
You can use Jetspinner coding in the title, which is a graaeat timesaver, especially when you're outsourcing the work to a non-native-English speaker. In fact, plenty of these tricks are useful for outsourcing, if, for example, you create the original article but outsource the re-spinning to a VA overseas.
You have got to be vigilant about capitalization. Native English speakers recognize that we don't capitalize words or phrases unless they are the start of a sentence or the name of something that is supposed to be capitalized. Usually, if the word you're replacing isn't capitalized, don't capitalize the replacement. Jetspinner's thesaurus will typically give you both choices, so exercise care to either pick the right one, or fix the alternate in the spin coded article. If you don't you'll get mistakes in your randomly spun articles which results in more editing work for you, and that means more wasted time.
There are a couple kinds of words and phrases that are easy targets for re-spinning. The First variety are words with lots of close synonyms. An example is the word "start". Jetspinner provides at least 16 alternatives (begin, commence, start off, start out, get started, launch, initiate, beginning, establish, get going, set up, kick off, make, get started with, begin the process of and get started on). If you identify target words like this, especially ones that duplicate, you can save lots of time.
The second sort of word (or phrase) is one specific to your topic. If you're writing about airplanes then "airplane", "flying" or "airport" are likely going to crop up throughout the piece. The fact they repeat make them targets. Select your alternates once, and very carefully. If you're writing about mortgages you can expect the word "lender" to repeat. Some of the possibilities are loan provider, loan company, financial institution, bank, lending agency, loaner, mortgage lender, financier, loan service, broker, financial institution and finance company. Not all of them are acceptable. Many of the short comings won't stand out to a non-native English speaker. You can choose the alternates once, and let your VA apply your choice.
When you've picked out alternates for recurring words or phrases a easy time saver is to utilise cutting and pasting with the recurring words and phrases. You have the choice of doing actual cutting and pasting in Jetspinner, or, you can open a text editor like Notepad and utilise the "find and replace" tool.
Open Jetspinner in one window, and open Notepad in a second. Copy and paste the whole piece into Notepad. Return to Jetspinner and pick the word or phrase you want to spin. Get your alternates from the thesaurus. Highlight the alternates, including all the code, and copy them. Switch to Notepad and select "Edit" and then "Replace". In the "Find what" box insert the target word or phrase and in the "Replace with" box, pop in the code. Return to Jetspinner and repeat the process.
Many different times you must make sure that your cut and pastes are workable - you often have to change them to plural (for example, if you replace "lenders" with the alternates to "lender" you'll want to pluralize the alternates).
Imagine what you've achieved: If you have a particular word or phrase with 13 available alternatives occurring 10 times throughout the article you have definitely amplified the distinct quality of the article based on transforming one word or phrase. By the time you transform all the trouble free target words and phrases and the target words that are subject specific to your article you'll have accomplished a lot with nothing more than keystrokes.
There is another trick for switching phrases. You can merely add an adjective, like "good", "great" or "real" in front of a noun. "Another trick" converts to "Another great trick", or "Another good trick".
There are other techniques, but they are not as trouble free. Once you've picked the low hanging fruit, so to speak, you can go over the article and determine if there are words and phrases that you want to completely switch around, shorten or lengthen or delete entirely. This requires a range of thought, and a good grasp of English, writing and style. Non-native English speakers may have a challenge with it. My virtual assistant will often accept words from the thesaurus that aren't applicable in a certain situation, which is not a surprise. When you start switching whole phrases it's not fair to expect him to be able to do it.
Here's an example:
"Begin by writing down your main ideas" can become "In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to compose your article". You can do that in Jetspinner by setting the the opening curly bracket in front of "Begin", the the vertical bar after "ideas" and before "In my opinion", and then a the closing curly bracket after "article".
You can also put code inside of code. "Begin by writing down your main ideas/In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to come up with your article" can turn into "(Begin/Start/Start off by) by (writing down/jotting down/setting out) your (main/most important/key) (ideas/points/concepts)/(In my opinion/I think/In my experience/Experience tells me) it's (really important/important/best/critical/smart) to (start/begin/start off/start out) by jotting down your main ideas on a scrap piece of paper before you even start to
generate your article" (where the regular brackets signify the curly brackets and the "/" represents the the vertical bar)
Try these basic techniques with Jetspinner and find if it delivers the results easily for you. They get the job done for me!
To be effectual you create one article, and then spin it to develop several distinct articles for employment at a range of sites.
The article content should always be totally unique or Google may ignore the links. There are many different classes of programs employed to re-spin articles. I've been utilizing Jetspinner.
Utilizing Jetspinner is really simple. The whole program is dependent on code using curly brackets and the the vertical bar.
You find the word or phrase you want to replace and place a the opening curly bracket in front of it to indicate that the spinner has to perform, you place a the vertical bar after the word or phrase, then you stick in the alternate you want to utilize, and close the code snippet with the the closing curly bracket. When you re-spin the article the program will choose one of the alternate choices between the curly brackets, which you've divided by the the vertical bar. You can position in as many alternate words or phrases as you like, as long as you split each one with a the vertical bar.
Once you code the article Jetspinner will re-spin it, give you one randomly spun article, and let you to download a zip file of 50, 100, or any other number of randomly spun articles. It is a fantastic time saver, and it's totally free.
The 1st thing that you must do is come up with the article. I commonly start off right in Jetspinner, although I also create stuff in other text programs, including emails or notepad programs on my iPhone. This allows me to build articles and blog posts anywhere.
Once the article is preparedit is time to code it. Many times it's worthwhile placing the article away for a while in order to clear your head. This allows you to discover errors and confused writing easily. Whether you do this or not the next step is the coding.
If it's a short article I just start picking words or phrases and inserting the first curly bracket and the vertical bar. Jetspinner features an Ajax thesaurus feature that suggests alternate words and phrases as soon as you enter the the vertical bar after the first curly bracket and the word you want options for. It can be a bit tricky, so take notewhen you decide on the options and be sure that that they are going in where you want them.
It's critical for you to save the spin code on a regular basis. There are a couple of reasons for this. First, since you're working on a web page a stray finger can take you off the page and cause you to lose work. Second, re-spinning frequently will tell you when you've made a coding mistake. The coding error will stop the spinning, so if you have a 500 word article coded for re-spinning, bu t the spun article is only 35 words long you'll know that you've made a code error. You'll also recognize that the error is around the 35 word point. Once you've spun the article once it's saved, and you can just click the edit button to go back to editing your article.
You can use Jetspinner coding in the title, which is a graaeat timesaver, especially when you're outsourcing the work to a non-native-English speaker. In fact, plenty of these tricks are useful for outsourcing, if, for example, you create the original article but outsource the re-spinning to a VA overseas.
You have got to be vigilant about capitalization. Native English speakers recognize that we don't capitalize words or phrases unless they are the start of a sentence or the name of something that is supposed to be capitalized. Usually, if the word you're replacing isn't capitalized, don't capitalize the replacement. Jetspinner's thesaurus will typically give you both choices, so exercise care to either pick the right one, or fix the alternate in the spin coded article. If you don't you'll get mistakes in your randomly spun articles which results in more editing work for you, and that means more wasted time.
There are a couple kinds of words and phrases that are easy targets for re-spinning. The First variety are words with lots of close synonyms. An example is the word "start". Jetspinner provides at least 16 alternatives (begin, commence, start off, start out, get started, launch, initiate, beginning, establish, get going, set up, kick off, make, get started with, begin the process of and get started on). If you identify target words like this, especially ones that duplicate, you can save lots of time.
The second sort of word (or phrase) is one specific to your topic. If you're writing about airplanes then "airplane", "flying" or "airport" are likely going to crop up throughout the piece. The fact they repeat make them targets. Select your alternates once, and very carefully. If you're writing about mortgages you can expect the word "lender" to repeat. Some of the possibilities are loan provider, loan company, financial institution, bank, lending agency, loaner, mortgage lender, financier, loan service, broker, financial institution and finance company. Not all of them are acceptable. Many of the short comings won't stand out to a non-native English speaker. You can choose the alternates once, and let your VA apply your choice.
When you've picked out alternates for recurring words or phrases a easy time saver is to utilise cutting and pasting with the recurring words and phrases. You have the choice of doing actual cutting and pasting in Jetspinner, or, you can open a text editor like Notepad and utilise the "find and replace" tool.
Open Jetspinner in one window, and open Notepad in a second. Copy and paste the whole piece into Notepad. Return to Jetspinner and pick the word or phrase you want to spin. Get your alternates from the thesaurus. Highlight the alternates, including all the code, and copy them. Switch to Notepad and select "Edit" and then "Replace". In the "Find what" box insert the target word or phrase and in the "Replace with" box, pop in the code. Return to Jetspinner and repeat the process.
Many different times you must make sure that your cut and pastes are workable - you often have to change them to plural (for example, if you replace "lenders" with the alternates to "lender" you'll want to pluralize the alternates).
Imagine what you've achieved: If you have a particular word or phrase with 13 available alternatives occurring 10 times throughout the article you have definitely amplified the distinct quality of the article based on transforming one word or phrase. By the time you transform all the trouble free target words and phrases and the target words that are subject specific to your article you'll have accomplished a lot with nothing more than keystrokes.
There is another trick for switching phrases. You can merely add an adjective, like "good", "great" or "real" in front of a noun. "Another trick" converts to "Another great trick", or "Another good trick".
There are other techniques, but they are not as trouble free. Once you've picked the low hanging fruit, so to speak, you can go over the article and determine if there are words and phrases that you want to completely switch around, shorten or lengthen or delete entirely. This requires a range of thought, and a good grasp of English, writing and style. Non-native English speakers may have a challenge with it. My virtual assistant will often accept words from the thesaurus that aren't applicable in a certain situation, which is not a surprise. When you start switching whole phrases it's not fair to expect him to be able to do it.
Here's an example:
"Begin by writing down your main ideas" can become "In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to compose your article". You can do that in Jetspinner by setting the the opening curly bracket in front of "Begin", the the vertical bar after "ideas" and before "In my opinion", and then a the closing curly bracket after "article".
You can also put code inside of code. "Begin by writing down your main ideas/In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to come up with your article" can turn into "(Begin/Start/Start off by) by (writing down/jotting down/setting out) your (main/most important/key) (ideas/points/concepts)/(In my opinion/I think/In my experience/Experience tells me) it's (really important/important/best/critical/smart) to (start/begin/start off/start out) by jotting down your main ideas on a scrap piece of paper before you even start to
generate your article" (where the regular brackets signify the curly brackets and the "/" represents the the vertical bar)
Try these basic techniques with Jetspinner and find if it delivers the results easily for you. They get the job done for me!
Jetspinner Tips
Article marketing is utilized to build backlinks to your anchor sites. You produce an article, add various sorts of backlinks within it, and publish it on a blog or at an ezine.
To be efficient you build one article, and then re-spin it to make a lot of original articles for employment at diverse sites.
The content should be unique or the search engines will discount the links. There are lots of categories of software utilized to re-spin articles. I've recently been utilizing Jetspinner.
Making employment of Jetspinner is fairly straightforward. The whole program is set on a code that uses the opening curly bracket and the closing curly bracket and the the vertical bar.
You choose the word or phrase you want to change and place a the opening curly bracket in front of it to convey that that the re-spinner has to go to work, you place a the vertical bar after the word or phrase, then you stick in the alternate you want to utilize, and close the code snippet with the the closing curly bracket. When you re-spin the article the program will choose one of the alternatives between the curly brackets, which you've separated by the the vertical bar. You can insert in as many alternate words or phrases as you like, as long as you split each one with a the vertical bar.
Once you code the article Jetspinner will spin it, give you one randomly spun article, and let you to make a zip file of 50, 100, or any other number of randomly spun articles. It's a great time saver, and it is completely free.
The 1st thing that you must do is come up with the article. I commonly start off right in Jetspinner, although I also develop stuff in other text programs, including emails or notepad programs on my iPhone. This allows me to come up with articles and blog uploads anywhere.
Once the article is preparedit's time to code it. Sometimes it is worthwhile placing the article away for a period of time in order to clear your head. This permits you to find mistakes and unclear meaning easily. Whether you do this or not the next step is the coding.
If it's a short article I just start picking words or phrases and sticking in the first curly bracket and the vertical bar. Jetspinner comes with an Ajax thesaurus that suggests alternate words and phrases when you enter the the vertical bar after the opening curly bracket and the word you want options for. It can be tricky, so pay attentionwhen you decide on the alternates and make certain that they're going where you want.
It is necessary for you to save the re-spin code on a regular basis. There are two reasons to do this. First, since you're writing on the web a misplaced finger can take you off the page and cause you to lose work. Second, spinning from time to time will let you know when you've made a code error. The coding error will stop the spinning, so if you have a 500 word article coded for spinning, bu t the spun piece is only 35 words long you'll recognize that you've made a code error. You'll also discover that the coding error is around the 35 word point. Once you've spun the article once it is saved, and you can just click on the edit button to go back to editing the article.
You can use Jetspinner code in the title, which is a graaeat timesaver, especially if you're outsourcing the work to a non-native-English speaking country. In fact, quite a lot of these secrets are worthwhile for outsourcing, if, for example, you compose the original piece but outsource the spinning to a virtual assistant.
You should keep track of capitalization. Native English speakers understand that we don't capitalize words or phrases unless they are the start of the sentence or the name of something that should be capitalized. Normally, if the word you're changing isn't capitalized, don't capitalize the replacement. Jetspinner's thesaurus will commonly give you both options, so watch out to either pick the correct version, or fix the alternate in the re-spin coded article. If you don't you'll have mistakes in your randomly spun articles which entails more editing work for you, and that means more time needlessly wasted.
There are two kinds of words and phrases that are easy targets for re-spinning. The 1st variety are words with lots of close synonyms. An example is the word "start". Jetspinner provides at least 16 alternatives (begin, commence, start off, start out, get started, launch, initiate, beginning, establish, get going, set up, kick off, create, get started with, begin the process of and get started on). Whenever you identify target words like this, especially ones that duplicate, you can save yourself time.
The second variety of word (or phrase) is one specific to your topic. If you're writing about airplanes then "airplane", "flying" or "airport" are likely going to turn up throughout the article. The fact that they repeat make them targets. Select your alternates once, and with care. If you're writing about mortgages you can expect the word "lender" to repeat. Some of the choices are loan provider, loan company, financial institution, bank, lending agency, loaner, mortgage lender, financier, loan service, broker, financial institution and finance company. Not all of them will be right. Various sorts of the flaws won't be noticeable to a non-native English speaker. You can choose the alternates once, and let your VA employ your choice.
As soon as you've picked out alternatives for repeating words or phrases a good time saver is to make use of cutting and pasting with the words and phraseskeep repeating. You have the choice of doing actual cutting and pasting in Jetspinner, or, you can use a text editor like Notepad and utilize the "find and replace" tool.
Keep Jetspinner open in one window, and open Notepad in another. Copy and paste the whole piece to Notepad. Flip back to Jetspinner and choose the word or phrase you want to spin. Get your alternates from the thesaurus. Highlight the alternates, including the curly brackets on each end, and copy them. Switch to Notepad and select "Edit" and then "Replace". In the "Find what" box set the target word or phrase and in the "Replace with" box, stick in the code. Return to Jetspinner and repeat the process.
An assortment of times you have to make certain that your cut and pastes are workable - you quite often will need to change them to plural (for example, if you switch "lenders" with the alternates to "lender" you'll want to pluralize the alternates).
Think what you've carried out: If you have a object word or phrase with 13 substitutes turning up 10 times through the article you've truly increased the unique character of the article based on exchanging one word or phrase. When you alter all the straightforward target words and phrases and the target words that are subject specific to your article you will have achieved a lot with nothing more than keystrokes.
There is yet another tip for swapping phrases. You can simply add an adjective, like "good", "great" or "real" in front of a noun. "Another trick" turns into "Another great trick", or "Another good trick".
There are other methods, but they aren't as quick. Once you've grabbed the low hanging fruit, so to speak, you can go over the article and see if there are words and phrases that you want to completely switch around, shorten or lengthen or delete altogether. This requires all sorts of thought, and a good grasp of English, writing and style. Non-native English speakers may have a problem with it. My VA will often use words from the thesaurus that aren't suitable in a given situation, which is not a surprise. When it comes to editing whole phrases it's not fair to expect him to do it himself.
Here's an example:
"Begin by writing down your main ideas" can become "In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to jot down your article". You can do that in Jetspinner by addting the the opening curly bracket in front of "Begin", the the vertical bar after "ideas" and before "In my opinion", and then a the closing curly bracket after "article".
You can also have code inside of code. "Begin by writing down your main ideas/In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to develop your article" can turn into "(Begin/Start/Start off by) by (writing down/jotting down/setting out) your (main/most important/key) (ideas/points/concepts)/(In my opinion/I think/In my experience/Experience tells me) it's (really important/important/best/critical/smart) to (start/begin/start off/start out) by jotting down your main ideas on a scrap piece of paper before you even start to
come up with your article" (where the regular brackets signify the curly brackets and the "/" represents the the vertical bar)
Try these easy tips with Jetspinner and discover if it is effective easily for you. They work for me!
To be efficient you build one article, and then re-spin it to make a lot of original articles for employment at diverse sites.
The content should be unique or the search engines will discount the links. There are lots of categories of software utilized to re-spin articles. I've recently been utilizing Jetspinner.
Making employment of Jetspinner is fairly straightforward. The whole program is set on a code that uses the opening curly bracket and the closing curly bracket and the the vertical bar.
You choose the word or phrase you want to change and place a the opening curly bracket in front of it to convey that that the re-spinner has to go to work, you place a the vertical bar after the word or phrase, then you stick in the alternate you want to utilize, and close the code snippet with the the closing curly bracket. When you re-spin the article the program will choose one of the alternatives between the curly brackets, which you've separated by the the vertical bar. You can insert in as many alternate words or phrases as you like, as long as you split each one with a the vertical bar.
Once you code the article Jetspinner will spin it, give you one randomly spun article, and let you to make a zip file of 50, 100, or any other number of randomly spun articles. It's a great time saver, and it is completely free.
The 1st thing that you must do is come up with the article. I commonly start off right in Jetspinner, although I also develop stuff in other text programs, including emails or notepad programs on my iPhone. This allows me to come up with articles and blog uploads anywhere.
Once the article is preparedit's time to code it. Sometimes it is worthwhile placing the article away for a period of time in order to clear your head. This permits you to find mistakes and unclear meaning easily. Whether you do this or not the next step is the coding.
If it's a short article I just start picking words or phrases and sticking in the first curly bracket and the vertical bar. Jetspinner comes with an Ajax thesaurus that suggests alternate words and phrases when you enter the the vertical bar after the opening curly bracket and the word you want options for. It can be tricky, so pay attentionwhen you decide on the alternates and make certain that they're going where you want.
It is necessary for you to save the re-spin code on a regular basis. There are two reasons to do this. First, since you're writing on the web a misplaced finger can take you off the page and cause you to lose work. Second, spinning from time to time will let you know when you've made a code error. The coding error will stop the spinning, so if you have a 500 word article coded for spinning, bu t the spun piece is only 35 words long you'll recognize that you've made a code error. You'll also discover that the coding error is around the 35 word point. Once you've spun the article once it is saved, and you can just click on the edit button to go back to editing the article.
You can use Jetspinner code in the title, which is a graaeat timesaver, especially if you're outsourcing the work to a non-native-English speaking country. In fact, quite a lot of these secrets are worthwhile for outsourcing, if, for example, you compose the original piece but outsource the spinning to a virtual assistant.
You should keep track of capitalization. Native English speakers understand that we don't capitalize words or phrases unless they are the start of the sentence or the name of something that should be capitalized. Normally, if the word you're changing isn't capitalized, don't capitalize the replacement. Jetspinner's thesaurus will commonly give you both options, so watch out to either pick the correct version, or fix the alternate in the re-spin coded article. If you don't you'll have mistakes in your randomly spun articles which entails more editing work for you, and that means more time needlessly wasted.
There are two kinds of words and phrases that are easy targets for re-spinning. The 1st variety are words with lots of close synonyms. An example is the word "start". Jetspinner provides at least 16 alternatives (begin, commence, start off, start out, get started, launch, initiate, beginning, establish, get going, set up, kick off, create, get started with, begin the process of and get started on). Whenever you identify target words like this, especially ones that duplicate, you can save yourself time.
The second variety of word (or phrase) is one specific to your topic. If you're writing about airplanes then "airplane", "flying" or "airport" are likely going to turn up throughout the article. The fact that they repeat make them targets. Select your alternates once, and with care. If you're writing about mortgages you can expect the word "lender" to repeat. Some of the choices are loan provider, loan company, financial institution, bank, lending agency, loaner, mortgage lender, financier, loan service, broker, financial institution and finance company. Not all of them will be right. Various sorts of the flaws won't be noticeable to a non-native English speaker. You can choose the alternates once, and let your VA employ your choice.
As soon as you've picked out alternatives for repeating words or phrases a good time saver is to make use of cutting and pasting with the words and phraseskeep repeating. You have the choice of doing actual cutting and pasting in Jetspinner, or, you can use a text editor like Notepad and utilize the "find and replace" tool.
Keep Jetspinner open in one window, and open Notepad in another. Copy and paste the whole piece to Notepad. Flip back to Jetspinner and choose the word or phrase you want to spin. Get your alternates from the thesaurus. Highlight the alternates, including the curly brackets on each end, and copy them. Switch to Notepad and select "Edit" and then "Replace". In the "Find what" box set the target word or phrase and in the "Replace with" box, stick in the code. Return to Jetspinner and repeat the process.
An assortment of times you have to make certain that your cut and pastes are workable - you quite often will need to change them to plural (for example, if you switch "lenders" with the alternates to "lender" you'll want to pluralize the alternates).
Think what you've carried out: If you have a object word or phrase with 13 substitutes turning up 10 times through the article you've truly increased the unique character of the article based on exchanging one word or phrase. When you alter all the straightforward target words and phrases and the target words that are subject specific to your article you will have achieved a lot with nothing more than keystrokes.
There is yet another tip for swapping phrases. You can simply add an adjective, like "good", "great" or "real" in front of a noun. "Another trick" turns into "Another great trick", or "Another good trick".
There are other methods, but they aren't as quick. Once you've grabbed the low hanging fruit, so to speak, you can go over the article and see if there are words and phrases that you want to completely switch around, shorten or lengthen or delete altogether. This requires all sorts of thought, and a good grasp of English, writing and style. Non-native English speakers may have a problem with it. My VA will often use words from the thesaurus that aren't suitable in a given situation, which is not a surprise. When it comes to editing whole phrases it's not fair to expect him to do it himself.
Here's an example:
"Begin by writing down your main ideas" can become "In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to jot down your article". You can do that in Jetspinner by addting the the opening curly bracket in front of "Begin", the the vertical bar after "ideas" and before "In my opinion", and then a the closing curly bracket after "article".
You can also have code inside of code. "Begin by writing down your main ideas/In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to develop your article" can turn into "(Begin/Start/Start off by) by (writing down/jotting down/setting out) your (main/most important/key) (ideas/points/concepts)/(In my opinion/I think/In my experience/Experience tells me) it's (really important/important/best/critical/smart) to (start/begin/start off/start out) by jotting down your main ideas on a scrap piece of paper before you even start to
come up with your article" (where the regular brackets signify the curly brackets and the "/" represents the the vertical bar)
Try these easy tips with Jetspinner and discover if it is effective easily for you. They work for me!
Foreclosures in BC
Foreclosures are the remedy available to a lender when a borrower who has guaranteed land as security fails to repay the loan.
The owner of a piece of real estate who borrows coronet realty through the use of a mortgage loan is said to have an "equitable right to redeem", meaning that even though he owes money to a mortgage lender who has a charge against the real estate asset and has breached the mortgage loan contract and therefore lost the legal or contractual right to redeem the property the owner still has the opportunity to redeem the assets and cover if he can somehow get the money.
What this signifies to a loan company who's loan has been unpaid is that before he can take the real estate or otherwise cause it to be sold he must extinguish the borrower's equitable right to redeem the loan. This is frequently a technicality in that a consumer who has the funds to clear the bank loan through his equitable right of redemption probably wouldn't find himself in the foreclosure situation in the first place.
In British Columbia the foreclosure process begins with a petition to the Supreme Court. It is prepared, filed, and served to all respondents. The coronet realty are the borrower, of course, but also anybody else who has a claim on title that has to be extinguished. These can include any guarantors, subsequent lending agencies, the registered owner of the property (if different from the borrower), a buyer (if there is an contract to sell the property in existence) and any Builders' Lien claimants. The petitioner is the lender who wants to foreclose (or for that matter, a strata corporation that is owed funds).
There are an assortment of remedies available to a lending agency. The initial step is an agreed upon accounting of all funds owing. The Registrar of the Supreme Court will evaluate the property loan contract and the payment history and determine exactly what is in arrears, including how the debt will change as a result of accruing interest as time passes. This produces a figure that each party must recognize and agree to should settlement actually come to pass.
Next is a judgment on any personal covenants that the borrower may have assigned the financial institution. That covenant survives the sale of the real estate, so even if the borrower has disposed of the property he's still liable for the outstanding loan amount. This type of judgement can also be administered to any guarantors or subsequent purchasers (assuming they also provided a covenant to the bank when buying the property).
If these steps work the process stops. For coronet realty, if the guarantor pays the mortgage lender, or the new purchaser clears up the debt, the bank has been satisfied and the foreclosure procedure will normally finish. If the procedure does cease at this phase it's obvious that it wasn't a very genuinequestion to begin with.
Sometimes a receiver can be appointed. Property with commercial income or rented properties fall into this category. Mortgage contracts usually have an assignment of rents, and this clause can be invoked.
A lis pendens can also be filed against a property. This stops the property from being disposed of while the lending agency sort out their differences.
For a substantial default foreclosure of the borrower's interest in the property (and, as mentioned, the rights of all other respondents)is the typical course of affairs.
The first thing that occurs is for the financial institution to send a demand letter to the borrower specifying a time frame to satisfy the outstanding loan. Failure to do so leads to the creditor carrying on to the next step, which is the filing of the petition with the Supreme Court.
The Court will then issue an Order Nisi which formally establishes the sum required to settle the mortgage loan and the time to do so. This amount of time is called the improvement period. It's often six months, but that can vary.
At this point there are two ways to go. The first involves the petitioner asking the Court to approve a judicial sale. In this case the title of the coronet realty doesn't change, but the property is listed for sale. Generally a realtor will list the property, get offers and present them to the Court.
The Court (in the form of a Master) will review the offers and if they are acceptable (acceptable to the lender and fair to the borrower) will make a court order specifying that the property be sold with a clear title, and with the proceeds satisfying the debt. Any excess will go to the borrower; in the case of a shortfall the lender has more deeply redress against the borrower.
The second approach is that of the absolute order of foreclosure. If the redemption period has ended, the value of the real estate is equal to the outstanding debt, or more, the borrower is "judgement proof" and the asset can't be sold (i.e, there is no interest from any buyers), the lender can petition the Court to transfer title free and clear of all encumbrances to the lender.
The Order Absolute works both ways. If it is ordered the loan company cannot enforce a personal covenant against the borrower unless the order is re-opened. If the mortgage lender sells the property off to a third party he cannot enforce a judgement against the borrower because the asset cannot be returned upon payment. If the borrower comes up with the funds to cover the loan the order can be re-opened, and the borrower's right of equitable redemption is refreshed, but this can only be done by the Court, is only done on the basis of equity, and is not common.
Any individual with a passing awareness acquaintance with foreclosures in British Columbia will be aware that the judicial sale course is the most usual one used in foreclosures in British Columbia. Commonly called a "court ordered" sale, the court, through its agents (the lawyers) oversees the sale.
After the Order Nisi has been issued, and usually after the redemption period has ended, the lawyer for the loan company can petition for a conduct of sale order. He will then order the property to be listed with a realtor who will market the property and assets. The property must be competitively priced to safeguard the owner's "equity of redemption", and the Court will make sure of this.
Because a court ordered sale will be in the form of a court order all bids must be subject free before they go to court. The Master's decision will be final, and any successful purchaser who does not complete the sale will be defying a court order. The lawyers won't let this happen. Therefore, all conditions must be removed before a court date is scheduled.
One subject free offer that is acceptable to the loan company can result in a court date. At court the lender's lawyer will explain the offer and describe the marketing done and market's response to it. If the Master is pleased that the marketing has been suitable, and that the bid is a good one, he will accept it (he is the decision maker, not the lender or borrower) and issue the order.
If there is a court date you can see multiple bids. The price and conditions of the first offer will be known, as it is a court document and for this reason public knowledge. This enables your competition to know exactly what they have to do to beat you. Moreover, the lawyers for some loan companies will specifically demand that the real estate salesperson disclose the first offer price to subsequent purchasers.
If you find yourself in this position don’t forget that offers can be modified right up to the time they are presented to the Master. winning regularly relies on evaluating the competition, making a guess at what they will offer, and then adding as little as $200 to the highest offer.
If you haven't been to a foreclosure before the operation will go by rapidly. Purchasers typically really don't even know they've succeeded until another person more experienced in watching court advises them.
Try to remember, these are rules for British Columbia. Mortgage statutes differ from local area to local area and country to country.
The owner of a piece of real estate who borrows coronet realty through the use of a mortgage loan is said to have an "equitable right to redeem", meaning that even though he owes money to a mortgage lender who has a charge against the real estate asset and has breached the mortgage loan contract and therefore lost the legal or contractual right to redeem the property the owner still has the opportunity to redeem the assets and cover if he can somehow get the money.
What this signifies to a loan company who's loan has been unpaid is that before he can take the real estate or otherwise cause it to be sold he must extinguish the borrower's equitable right to redeem the loan. This is frequently a technicality in that a consumer who has the funds to clear the bank loan through his equitable right of redemption probably wouldn't find himself in the foreclosure situation in the first place.
In British Columbia the foreclosure process begins with a petition to the Supreme Court. It is prepared, filed, and served to all respondents. The coronet realty are the borrower, of course, but also anybody else who has a claim on title that has to be extinguished. These can include any guarantors, subsequent lending agencies, the registered owner of the property (if different from the borrower), a buyer (if there is an contract to sell the property in existence) and any Builders' Lien claimants. The petitioner is the lender who wants to foreclose (or for that matter, a strata corporation that is owed funds).
There are an assortment of remedies available to a lending agency. The initial step is an agreed upon accounting of all funds owing. The Registrar of the Supreme Court will evaluate the property loan contract and the payment history and determine exactly what is in arrears, including how the debt will change as a result of accruing interest as time passes. This produces a figure that each party must recognize and agree to should settlement actually come to pass.
Next is a judgment on any personal covenants that the borrower may have assigned the financial institution. That covenant survives the sale of the real estate, so even if the borrower has disposed of the property he's still liable for the outstanding loan amount. This type of judgement can also be administered to any guarantors or subsequent purchasers (assuming they also provided a covenant to the bank when buying the property).
If these steps work the process stops. For coronet realty, if the guarantor pays the mortgage lender, or the new purchaser clears up the debt, the bank has been satisfied and the foreclosure procedure will normally finish. If the procedure does cease at this phase it's obvious that it wasn't a very genuinequestion to begin with.
Sometimes a receiver can be appointed. Property with commercial income or rented properties fall into this category. Mortgage contracts usually have an assignment of rents, and this clause can be invoked.
A lis pendens can also be filed against a property. This stops the property from being disposed of while the lending agency sort out their differences.
For a substantial default foreclosure of the borrower's interest in the property (and, as mentioned, the rights of all other respondents)is the typical course of affairs.
The first thing that occurs is for the financial institution to send a demand letter to the borrower specifying a time frame to satisfy the outstanding loan. Failure to do so leads to the creditor carrying on to the next step, which is the filing of the petition with the Supreme Court.
The Court will then issue an Order Nisi which formally establishes the sum required to settle the mortgage loan and the time to do so. This amount of time is called the improvement period. It's often six months, but that can vary.
At this point there are two ways to go. The first involves the petitioner asking the Court to approve a judicial sale. In this case the title of the coronet realty doesn't change, but the property is listed for sale. Generally a realtor will list the property, get offers and present them to the Court.
The Court (in the form of a Master) will review the offers and if they are acceptable (acceptable to the lender and fair to the borrower) will make a court order specifying that the property be sold with a clear title, and with the proceeds satisfying the debt. Any excess will go to the borrower; in the case of a shortfall the lender has more deeply redress against the borrower.
The second approach is that of the absolute order of foreclosure. If the redemption period has ended, the value of the real estate is equal to the outstanding debt, or more, the borrower is "judgement proof" and the asset can't be sold (i.e, there is no interest from any buyers), the lender can petition the Court to transfer title free and clear of all encumbrances to the lender.
The Order Absolute works both ways. If it is ordered the loan company cannot enforce a personal covenant against the borrower unless the order is re-opened. If the mortgage lender sells the property off to a third party he cannot enforce a judgement against the borrower because the asset cannot be returned upon payment. If the borrower comes up with the funds to cover the loan the order can be re-opened, and the borrower's right of equitable redemption is refreshed, but this can only be done by the Court, is only done on the basis of equity, and is not common.
Any individual with a passing awareness acquaintance with foreclosures in British Columbia will be aware that the judicial sale course is the most usual one used in foreclosures in British Columbia. Commonly called a "court ordered" sale, the court, through its agents (the lawyers) oversees the sale.
After the Order Nisi has been issued, and usually after the redemption period has ended, the lawyer for the loan company can petition for a conduct of sale order. He will then order the property to be listed with a realtor who will market the property and assets. The property must be competitively priced to safeguard the owner's "equity of redemption", and the Court will make sure of this.
Because a court ordered sale will be in the form of a court order all bids must be subject free before they go to court. The Master's decision will be final, and any successful purchaser who does not complete the sale will be defying a court order. The lawyers won't let this happen. Therefore, all conditions must be removed before a court date is scheduled.
One subject free offer that is acceptable to the loan company can result in a court date. At court the lender's lawyer will explain the offer and describe the marketing done and market's response to it. If the Master is pleased that the marketing has been suitable, and that the bid is a good one, he will accept it (he is the decision maker, not the lender or borrower) and issue the order.
If there is a court date you can see multiple bids. The price and conditions of the first offer will be known, as it is a court document and for this reason public knowledge. This enables your competition to know exactly what they have to do to beat you. Moreover, the lawyers for some loan companies will specifically demand that the real estate salesperson disclose the first offer price to subsequent purchasers.
If you find yourself in this position don’t forget that offers can be modified right up to the time they are presented to the Master. winning regularly relies on evaluating the competition, making a guess at what they will offer, and then adding as little as $200 to the highest offer.
If you haven't been to a foreclosure before the operation will go by rapidly. Purchasers typically really don't even know they've succeeded until another person more experienced in watching court advises them.
Try to remember, these are rules for British Columbia. Mortgage statutes differ from local area to local area and country to country.
Foreclosures in BC
The foreclosure process is the remedy available to a lender when a borrower who has guaranteed land as security fails to repay the loan.
The owner of a piece of real estate property who borrows funds through the use of a property loan is said to have an "equitable right to redeem", meaning that even though he owes money to a lending agency who has a charge against the coronet realty and assets and has breached the mortgage contract and consequently lost the legal or contractual right to redeem the property the owner still has the capacity to redeem the real estate asset and repay if he can somehow get the cash.
What this signifies to a finance company who's loan has been defaulted on is that before he can take the real estate or otherwise cause it to be sold he must extinguish the borrower's equitable right to redeem the loan. This is usually a technicality in that a consumer who has the funds to redeem the bank loan through his equitable right of redemption probably wouldn't find himself in the foreclosure situation in the first place.
In BC the process of foreclosure will begin with a petition to the Supreme Court. It is written up, filed, and served to all respondents. The respondents are the borrower, of course, but also everybody has a claim against the title that has to be extinguished. These can include any guarantors, subsequent banks, the registered owner of the property (if different from the borrower), a buyer (if there is an agreement to sell the property in existence) and any Builders' Lien claimants. The petitioner is the lender who wants to foreclose (or for that matter, a strata corporation that is owed funds).
There are various remedies available to a bank. The first stage is an agreed upon coronet realty of all monies owed. The Registrar of the Supreme Court will analyze the mortgage contract and the payment history and determine really what is outstanding, including how the debt will change as a result of accruing interest as time goes by. This produces a sum that each party has to recognize and agree to should payment actually happen.
Next is a judgement against any covenants that the borrower may have granted the loan provider. That covenant survives the sale of the property and assets, so even if the borrower has disposed of the property he's still obligated for the unpaid loan amount. This kind of judgement can also be ascribed to any guarantors or subsequent purchasers (assuming they also provided a covenant to the bank when obtaining the property).
If these steps work the process stops. For instance, if the guarantor pays the lender, or the new purchaser clears up the debt, the bank has been paid and the foreclosure operation will normally stop. If the procedure does finish at this point it's obvious that it wasn't a very genuinechallenge to start with.
Sometimes a receiver can be appointed. Property with commercial income or leased properties fall into this category. Mortgage contracts often have an assignment of rents, and this clause can be invoked.
A lis pendens can also be filed against a piece of real estate. This stops the real estate from being disposed of while the lender sort out their differences.
For a serious default foreclosure of the borrower's interest in the property (and, as mentioned, the rights of all other respondents)is the standard course of affairs.
The first thing that arises is for the loan coronet realty to send a demand letter to the borrower specifying a length of time to settle the outstanding loan. Failure to do so ends in the loan provider continuing to the second step, filing the petition with the Supreme Court.
The Court will then issue an Order Nisi which sets the amount necessary to redeem the loan and the time allowed to do so. This is called the satisfaction period. It's most often six months, but the time may vary.
At this point there are two ways to go. The first involves the petitioner asking the Court to approve a judicial sale. In this case the title of the property doesn't change, but the property is listed for sale. Generally a realtor will list the property, get offers and present them to the Court.
The Court (in the form of a Master) will review the offers and if they are acceptable (acceptable to the lender and fair to the borrower) will make a court order specifying that the property be sold with a clear title, and with the proceeds satisfying the debt. Any excess will go to the borrower; in the case of a shortfall the lender has additional redress against the borrower.
The 2nd approach is that of the absolute order of foreclosure. If the redemption period has passed, the value of the property is equal to the loan amount, or more, the borrower is "judgement proof" and the property can't be sold (i.e, there is no interest from any buyers), the lender can petition the Court to transfer it free and clear of all encumbrances to the mortgage lender.
An Order Absolute works both ways. If it is ordered the mortgage lender cannot collect against a personal covenant provided by the borrower unless the order is re-opened. If the loan company sells the real estate off to a third party he cannot enforce a judgement against the borrower because the asset can't be returned upon repayment. If the borrower gets the funds to pay the loan the order can be re-opened, and the borrower's right of equitable redemption is refreshed, but this can only be done by the Court, is only done on equitable grounds, and is extraordinary.
Anybody with a passing understanding acquaintance with foreclosures in BC will know that the judicial sale path is the most usual one used in foreclosures in British Columbia. Commonly called a "court ordered" sale, the court, through its agents (the lawyers) supervises the sale.
After the Order Nisi has been issued, and normally after the redemption period is over, the lawyer for the bank can petition for a conduct of sale order. He will then cause the property to be listed for sale with a realtor who will sell the asset. The asset must be well priced to take care of the owner's "equity of redemption", and the Court will attempt to ensure this.
Since a court ordered sale will be in the form of a court order all offers must be subject free before they go to court. The Master's decision will be final, and any successful purchaser who does not abide by it will be defying a court order. The lawyers won't permit this. Therefore, all conditions must be removed before a court date is arranged.
One unconditional offer that is acceptable to the creditor can induce a court date. At court the lender's lawyer will explain the offer and describe the marketing activities and market response to the offering of the property. If the Master is pleased that the marketing has been fair, and that the bid is a good one, he will accept it and issue the order.
If there is a court date you can see multiple bids. The price and coronet realty of the first offer will be known, as it is a court document and therefore public knowledge. This permits other purchasers to know exactly what they have to do to beat the first offer. Furthermore, the lawyers for some lenders will specifically demand that the real estate salesperson disclose the first offer price to all other buyers.
If you find yourself in this position bear in mind that bids can be modified right up to the moment they are presented to the Master. Success frequently depends on understanding the competing buyers, making a guess at what they will offer, and then adding as little as $200 to the highest bid.
If you haven't gone to a foreclosure before the operation will go by swiftly. Buyers oftentimes will not even know they've been successful until someone more experienced in watching court advises them.
Always remember, these are rules for British Columbia. Mortgage laws and regulations can vary from local area to local area and country to country.
The owner of a piece of real estate property who borrows funds through the use of a property loan is said to have an "equitable right to redeem", meaning that even though he owes money to a lending agency who has a charge against the coronet realty and assets and has breached the mortgage contract and consequently lost the legal or contractual right to redeem the property the owner still has the capacity to redeem the real estate asset and repay if he can somehow get the cash.
What this signifies to a finance company who's loan has been defaulted on is that before he can take the real estate or otherwise cause it to be sold he must extinguish the borrower's equitable right to redeem the loan. This is usually a technicality in that a consumer who has the funds to redeem the bank loan through his equitable right of redemption probably wouldn't find himself in the foreclosure situation in the first place.
In BC the process of foreclosure will begin with a petition to the Supreme Court. It is written up, filed, and served to all respondents. The respondents are the borrower, of course, but also everybody has a claim against the title that has to be extinguished. These can include any guarantors, subsequent banks, the registered owner of the property (if different from the borrower), a buyer (if there is an agreement to sell the property in existence) and any Builders' Lien claimants. The petitioner is the lender who wants to foreclose (or for that matter, a strata corporation that is owed funds).
There are various remedies available to a bank. The first stage is an agreed upon coronet realty of all monies owed. The Registrar of the Supreme Court will analyze the mortgage contract and the payment history and determine really what is outstanding, including how the debt will change as a result of accruing interest as time goes by. This produces a sum that each party has to recognize and agree to should payment actually happen.
Next is a judgement against any covenants that the borrower may have granted the loan provider. That covenant survives the sale of the property and assets, so even if the borrower has disposed of the property he's still obligated for the unpaid loan amount. This kind of judgement can also be ascribed to any guarantors or subsequent purchasers (assuming they also provided a covenant to the bank when obtaining the property).
If these steps work the process stops. For instance, if the guarantor pays the lender, or the new purchaser clears up the debt, the bank has been paid and the foreclosure operation will normally stop. If the procedure does finish at this point it's obvious that it wasn't a very genuinechallenge to start with.
Sometimes a receiver can be appointed. Property with commercial income or leased properties fall into this category. Mortgage contracts often have an assignment of rents, and this clause can be invoked.
A lis pendens can also be filed against a piece of real estate. This stops the real estate from being disposed of while the lender sort out their differences.
For a serious default foreclosure of the borrower's interest in the property (and, as mentioned, the rights of all other respondents)is the standard course of affairs.
The first thing that arises is for the loan coronet realty to send a demand letter to the borrower specifying a length of time to settle the outstanding loan. Failure to do so ends in the loan provider continuing to the second step, filing the petition with the Supreme Court.
The Court will then issue an Order Nisi which sets the amount necessary to redeem the loan and the time allowed to do so. This is called the satisfaction period. It's most often six months, but the time may vary.
At this point there are two ways to go. The first involves the petitioner asking the Court to approve a judicial sale. In this case the title of the property doesn't change, but the property is listed for sale. Generally a realtor will list the property, get offers and present them to the Court.
The Court (in the form of a Master) will review the offers and if they are acceptable (acceptable to the lender and fair to the borrower) will make a court order specifying that the property be sold with a clear title, and with the proceeds satisfying the debt. Any excess will go to the borrower; in the case of a shortfall the lender has additional redress against the borrower.
The 2nd approach is that of the absolute order of foreclosure. If the redemption period has passed, the value of the property is equal to the loan amount, or more, the borrower is "judgement proof" and the property can't be sold (i.e, there is no interest from any buyers), the lender can petition the Court to transfer it free and clear of all encumbrances to the mortgage lender.
An Order Absolute works both ways. If it is ordered the mortgage lender cannot collect against a personal covenant provided by the borrower unless the order is re-opened. If the loan company sells the real estate off to a third party he cannot enforce a judgement against the borrower because the asset can't be returned upon repayment. If the borrower gets the funds to pay the loan the order can be re-opened, and the borrower's right of equitable redemption is refreshed, but this can only be done by the Court, is only done on equitable grounds, and is extraordinary.
Anybody with a passing understanding acquaintance with foreclosures in BC will know that the judicial sale path is the most usual one used in foreclosures in British Columbia. Commonly called a "court ordered" sale, the court, through its agents (the lawyers) supervises the sale.
After the Order Nisi has been issued, and normally after the redemption period is over, the lawyer for the bank can petition for a conduct of sale order. He will then cause the property to be listed for sale with a realtor who will sell the asset. The asset must be well priced to take care of the owner's "equity of redemption", and the Court will attempt to ensure this.
Since a court ordered sale will be in the form of a court order all offers must be subject free before they go to court. The Master's decision will be final, and any successful purchaser who does not abide by it will be defying a court order. The lawyers won't permit this. Therefore, all conditions must be removed before a court date is arranged.
One unconditional offer that is acceptable to the creditor can induce a court date. At court the lender's lawyer will explain the offer and describe the marketing activities and market response to the offering of the property. If the Master is pleased that the marketing has been fair, and that the bid is a good one, he will accept it and issue the order.
If there is a court date you can see multiple bids. The price and coronet realty of the first offer will be known, as it is a court document and therefore public knowledge. This permits other purchasers to know exactly what they have to do to beat the first offer. Furthermore, the lawyers for some lenders will specifically demand that the real estate salesperson disclose the first offer price to all other buyers.
If you find yourself in this position bear in mind that bids can be modified right up to the moment they are presented to the Master. Success frequently depends on understanding the competing buyers, making a guess at what they will offer, and then adding as little as $200 to the highest bid.
If you haven't gone to a foreclosure before the operation will go by swiftly. Buyers oftentimes will not even know they've been successful until someone more experienced in watching court advises them.
Always remember, these are rules for British Columbia. Mortgage laws and regulations can vary from local area to local area and country to country.
Jetspinner Shortcuts
Article marketing is employed to build backlinks to your targeted sites. You create an article, fit diverse backlinks in it, and upload it on a blog or at an ezine.
To be resourceful you generate one article, and then re-spin it to construct multiple unique articles for use at various sorts of sites.
The content should always be original or Google will reduce the value of the links. There are a bunch of types of programs employed to re-spin articles. I've been working with Jetspinner.
Using Jetspinner is rather trouble free. The whole system is based totally on code using curly brackets and the the vertical bar.
You find the word or phrase you want to swap and place a the opening curly bracket in front of it to announce that the spinner has to go to work, you place a the vertical bar after the word or phrase, then you stick in the alternate you want to utilise, and close the code snippet with the the closing curly bracket. When you spin the article the program will choose one of the options between the curly brackets, which you've separated by the the vertical bar. You can place in as many alternate words or phrases as you want, as long as you separate each one with a the vertical bar.
Once you've coded the article Jetspinner will re-spin it, give you one randomly spun article, and allow you to create a zip file of 50, 100, or any other number of randomly spun articles. It is a huge time saver, and it's free.
The first thing you have to do is write the article. I generally start off right in Jetspinner, although I also build things in other text programs, including emails or notepad programs on my iPhone. This allows me to come up with articles and blog posts anywhere.
Once the article is writtenit's time to code it. Sometimes it's worth setting the article away for a period of time in order to clear your head. This allows you to find errors and unclear meaning more easily. Whether you do this or not the next job is the coding.
If it is a short article I just start deciding on words or phrases and putting in the first curly bracket and the vertical bar. Jetspinner offers an Ajax thesaurus that provides alternate words and phrases as soon as you enter the the vertical bar after the first curly bracket and the word you want options for. It can be a little tricky, so watch outwhen you choose the options and be certain that that they are going in where you want them to.
It is necessary that you save the re-spin code periodically. There are 2 reasons for this. First, since you're working on the web a misplaced finger can navigate you off the page, losing your work. Second, spinning periodically will tell you when you've made a code mistake. The error will stop the spinning, so if you have a 500 word article coded for spinning, bu t the spin is only 35 words long you'll discover that you've made a code error. You'll also recognize that the mistake is around the 35 word point. Once you've spun the article once it's saved, and you can just click the edit button to go back to editing it.
You can use Jetspinner coding in the title, which is a timesaver, especially when you're outsourcing the work to a non-native-English speaking country. In fact, an awful lot of these suggestions are valuable for outsourcing, if, for example, you jot down the original piece but outsource the re-spinning to a virtual assitant overseas.
You have got to watch over capitalization. Native English speakers know that we don't capitalize words or phrases unless they are the start of the sentence or the name of something that should be capitalized. Frequently, if the word you're switching isn't capitalized, don't capitalize the replacement. Jetspinner's thesaurus will generally give you both options, so watch out to either pick the correct one, or fix the alternate in the spin coded article. If you don't you'll have errors in your randomly spun articles which may mean more editing labor for you, and that means more time needlessly wasted.
There are two kinds of words and phrases that are easy targets for re-spinning. The 1st kind are words with lots of close synonyms. An example is the word "start". Jetspinner provides at least 16 alternatives (begin, commence, start off, start out, get started, launch, initiate, beginning, establish, get going, set up, kick off, develop, get started with, begin the process of and get started on). When you identify target words like this, especially ones that recur, you can save yourself time.
The second category of word (or phrase) is one peculiar to your topic. If you're writing about cars the "cars", "drivers" and "wheels" are likely to crop up throughout the piece. The fact they keep repeating make them targets. Pick your alternates once, and carefully. If you're writing about mortgages you can expect the word "lender" to repeat. Some of the options are loan provider, loan company, financial institution, bank, lending agency, loaner, mortgage lender, financier, loan service, broker, financial institution and finance company. Not all of them will be well suited. An assortment of the deficiencies won't be noticeable to a non-native English speaker. You can pick out the alternates once, and let your VA employ your informed choice.
After you've picked out alternatives for repetitive words or phrases a real time saver is to employ cutting and pasting with the recurring words and phrases. You have the option of actually cutting and pasting in Jetspinner, or, you can open a text editor like Notepad and use the "find and replace" tool.
Open Jetspinner in one window, and open Notepad in another. Copy and paste the entire article into Notepad. Return to Jetspinner and select the word or phrase you want to spin. Get your alternatives from the thesaurus. Highlight them, including the curly brackets on each end, and copy them. Switch to Notepad and select "Edit" and then "Replace". In the "Find what" box insert the target word or phrase and in the "Replace with" box, put in the code. Return to Jetspinner and move on to your next target word or phrase and repeat.
A range of times you need to make certain that your cut and pastes are alright - you often have to change them to plural (for example, if you substitute "lenders" with the alternates to "lender" you'll have to pluralize the alternates).
Think what you've accomplished: If you have a particular word or phrase with 13 variations occurring 10 times throughout the article you have absolutely increased the unique character of the article based on switching one word or phrase. Once you switch all the painless target words and phrases and the target words that are subject specific to your article you will have achieved a lot with simply keystrokes.
There is yet another trick for swapping phrases. You can quickly add an adjective, like "good", "great" or "real" in front of a noun. "Another trick" turns into "Another great trick", or "Another good trick".
There are other hints, but they are not as quick. Once you've plucked the low hanging fruit, so to speak, you can review the article and check if there are words and phrases that you want to completely turn around, shorten or lengthen or delete entirely. This requires a range of thought, and a good grasp of English, writing and style. Non-native English speakers may have a challenge with it. My VA will often use words from the thesaurus that aren't pertinent in a certain situation, which is not a surprise. When it comes to editing whole phrases it's not fair to expect him to be able to do it.
Here's an example:
"Begin by writing down your main ideas" can become "In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to build your article". You can do that in Jetspinner by addting the the opening curly bracket in front of "Begin", the the vertical bar after "ideas" and before "In my opinion", and then a the closing curly bracket after "article".
You can also stick code inside of code. "Begin by writing down your main ideas/In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to produce your article" can turn into "(Begin/Start/Start off by) by (writing down/jotting down/setting out) your (main/most important/key) (ideas/points/concepts)/(In my opinion/I think/In my experience/Experience tells me) it's (really important/important/best/critical/smart) to (start/begin/start off/start out) by jotting down your main ideas on a scrap piece of paper before you even start to
generate your article" (where the regular brackets signify the curly brackets and the "/" represents the the vertical bar)
Try these straightforward tips with Jetspinner and see if it operates easily for you. They function for me!
To be resourceful you generate one article, and then re-spin it to construct multiple unique articles for use at various sorts of sites.
The content should always be original or Google will reduce the value of the links. There are a bunch of types of programs employed to re-spin articles. I've been working with Jetspinner.
Using Jetspinner is rather trouble free. The whole system is based totally on code using curly brackets and the the vertical bar.
You find the word or phrase you want to swap and place a the opening curly bracket in front of it to announce that the spinner has to go to work, you place a the vertical bar after the word or phrase, then you stick in the alternate you want to utilise, and close the code snippet with the the closing curly bracket. When you spin the article the program will choose one of the options between the curly brackets, which you've separated by the the vertical bar. You can place in as many alternate words or phrases as you want, as long as you separate each one with a the vertical bar.
Once you've coded the article Jetspinner will re-spin it, give you one randomly spun article, and allow you to create a zip file of 50, 100, or any other number of randomly spun articles. It is a huge time saver, and it's free.
The first thing you have to do is write the article. I generally start off right in Jetspinner, although I also build things in other text programs, including emails or notepad programs on my iPhone. This allows me to come up with articles and blog posts anywhere.
Once the article is writtenit's time to code it. Sometimes it's worth setting the article away for a period of time in order to clear your head. This allows you to find errors and unclear meaning more easily. Whether you do this or not the next job is the coding.
If it is a short article I just start deciding on words or phrases and putting in the first curly bracket and the vertical bar. Jetspinner offers an Ajax thesaurus that provides alternate words and phrases as soon as you enter the the vertical bar after the first curly bracket and the word you want options for. It can be a little tricky, so watch outwhen you choose the options and be certain that that they are going in where you want them to.
It is necessary that you save the re-spin code periodically. There are 2 reasons for this. First, since you're working on the web a misplaced finger can navigate you off the page, losing your work. Second, spinning periodically will tell you when you've made a code mistake. The error will stop the spinning, so if you have a 500 word article coded for spinning, bu t the spin is only 35 words long you'll discover that you've made a code error. You'll also recognize that the mistake is around the 35 word point. Once you've spun the article once it's saved, and you can just click the edit button to go back to editing it.
You can use Jetspinner coding in the title, which is a timesaver, especially when you're outsourcing the work to a non-native-English speaking country. In fact, an awful lot of these suggestions are valuable for outsourcing, if, for example, you jot down the original piece but outsource the re-spinning to a virtual assitant overseas.
You have got to watch over capitalization. Native English speakers know that we don't capitalize words or phrases unless they are the start of the sentence or the name of something that should be capitalized. Frequently, if the word you're switching isn't capitalized, don't capitalize the replacement. Jetspinner's thesaurus will generally give you both options, so watch out to either pick the correct one, or fix the alternate in the spin coded article. If you don't you'll have errors in your randomly spun articles which may mean more editing labor for you, and that means more time needlessly wasted.
There are two kinds of words and phrases that are easy targets for re-spinning. The 1st kind are words with lots of close synonyms. An example is the word "start". Jetspinner provides at least 16 alternatives (begin, commence, start off, start out, get started, launch, initiate, beginning, establish, get going, set up, kick off, develop, get started with, begin the process of and get started on). When you identify target words like this, especially ones that recur, you can save yourself time.
The second category of word (or phrase) is one peculiar to your topic. If you're writing about cars the "cars", "drivers" and "wheels" are likely to crop up throughout the piece. The fact they keep repeating make them targets. Pick your alternates once, and carefully. If you're writing about mortgages you can expect the word "lender" to repeat. Some of the options are loan provider, loan company, financial institution, bank, lending agency, loaner, mortgage lender, financier, loan service, broker, financial institution and finance company. Not all of them will be well suited. An assortment of the deficiencies won't be noticeable to a non-native English speaker. You can pick out the alternates once, and let your VA employ your informed choice.
After you've picked out alternatives for repetitive words or phrases a real time saver is to employ cutting and pasting with the recurring words and phrases. You have the option of actually cutting and pasting in Jetspinner, or, you can open a text editor like Notepad and use the "find and replace" tool.
Open Jetspinner in one window, and open Notepad in another. Copy and paste the entire article into Notepad. Return to Jetspinner and select the word or phrase you want to spin. Get your alternatives from the thesaurus. Highlight them, including the curly brackets on each end, and copy them. Switch to Notepad and select "Edit" and then "Replace". In the "Find what" box insert the target word or phrase and in the "Replace with" box, put in the code. Return to Jetspinner and move on to your next target word or phrase and repeat.
A range of times you need to make certain that your cut and pastes are alright - you often have to change them to plural (for example, if you substitute "lenders" with the alternates to "lender" you'll have to pluralize the alternates).
Think what you've accomplished: If you have a particular word or phrase with 13 variations occurring 10 times throughout the article you have absolutely increased the unique character of the article based on switching one word or phrase. Once you switch all the painless target words and phrases and the target words that are subject specific to your article you will have achieved a lot with simply keystrokes.
There is yet another trick for swapping phrases. You can quickly add an adjective, like "good", "great" or "real" in front of a noun. "Another trick" turns into "Another great trick", or "Another good trick".
There are other hints, but they are not as quick. Once you've plucked the low hanging fruit, so to speak, you can review the article and check if there are words and phrases that you want to completely turn around, shorten or lengthen or delete entirely. This requires a range of thought, and a good grasp of English, writing and style. Non-native English speakers may have a challenge with it. My VA will often use words from the thesaurus that aren't pertinent in a certain situation, which is not a surprise. When it comes to editing whole phrases it's not fair to expect him to be able to do it.
Here's an example:
"Begin by writing down your main ideas" can become "In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to build your article". You can do that in Jetspinner by addting the the opening curly bracket in front of "Begin", the the vertical bar after "ideas" and before "In my opinion", and then a the closing curly bracket after "article".
You can also stick code inside of code. "Begin by writing down your main ideas/In my opinion it's really important to start by jotting down your main ideas on a scrap piece of paper before you even start to produce your article" can turn into "(Begin/Start/Start off by) by (writing down/jotting down/setting out) your (main/most important/key) (ideas/points/concepts)/(In my opinion/I think/In my experience/Experience tells me) it's (really important/important/best/critical/smart) to (start/begin/start off/start out) by jotting down your main ideas on a scrap piece of paper before you even start to
generate your article" (where the regular brackets signify the curly brackets and the "/" represents the the vertical bar)
Try these straightforward tips with Jetspinner and see if it operates easily for you. They function for me!
Sunday, April 10, 2011
5 Tips For You
Five Tips For Doing Circuits
Every student spends time in the circuit. PSTAR The circuit is an agreed upon routine that fliers use in order to preserve traffic separation and simplify the lives of air traffic controllers more convenient. Everybody does the circuit at each airport the same way, so all the fliers know where everyone ought to be.
There are guidelines and protocols that are pretty standardised. Normally the circuit is a left hand one, meaning the pilots turn left from one leg to the other, but now and then they are right hand circuits.
The circuit contains five parts: the take off leg, the crosswind leg, the downwind leg, the base leg and the final leg. Sometimes the last two legs are called the approach legs.
The take off leg begins on the runway and lasts until the turn out, which is commonly at 500 feet AGL. A left turn delivers you to the crosswind leg. With some aircraft, like a 170, you climb to one thousand feet above ground level through the crosswind. With others, like a 150, that doesn`t ascend as well, you could possibly begin the turn at 800 feet above ground level. Bush pilot Whatever the case, circuit height is commonly 1000 feet AGL, and you`d want to arrive at circuit height when you`re ready to turn into the downwind. If you turn at eight hundred feet above ground level you naturally will be required to perform a climbing turn.
The downwind acquires its name because we land into the wind. An alternative way of saying into the wind is upwind. The opposite of upwind (which is the way you`re flying) is downwind, hence the name.
The downwind is the leg during which you do your pre-landing checks and make the call to the tower for the clearance. After you`ve made the turn from crosswind to downwind check your spacing from the strip, ensure you`re parallel with it, establish yourself in straight and level flight, and then promptly get on the checks. The sooner you perform this the more time you`ll have to make your call for your clearance and startbush pilot training looking for traffic. That`s tip number 1. Get into straight and level quickly, verify your position and perform your checks. Be speedy, but be consistent every time.
After you`ve received clearance from ATC you can begin getting ready for your turn to base. The point to turn is when the end of the runway is at a forty five degree angle from a point in the center of the rear wing root and the stabilizer.
You have to slow down to go down, meaning you need to get to your approach speed and attitude as early as possible. To complete this you should try to complete the whole thing precisely the same way each time. You have a bit of latitude in the order, but ordinarily you`ll back off the power first. Pick a set RPM and pin the needle right on it. If you make it into the white arc that allows you to apply flaps you can either apply them in stages or set them at 20 degrees right off the bat. The critical point is to be consistent every time.
If you don't get into in the white arc you can still set up your turn. This will bleed off energy and gets you into the white arc. At this point you can apply your flaps. Again, apply them in stages, or apply them all at once, but be consistent. That`s tip 2 - consistency.
If you haven`t turned yet, do so now(assuming you`ve made your calls, received the clearance and are ok with traffic).
When you scale back power the nose will drop and you`ll have to pull back on the yoke to maintain the desirable attitude. When you apply your flaps the nose will rise, and you`ll have to re-adjust. Trim the aircraft each time. Trimming makes it easier to fly and will allow you to concentrate on other things, like rate of descent. You would like to be descending at four hundred to five hundred FPM. Tip 3 is to confirm your target RPM, your approach speed, and your rate of descent. Get them set up at the earliest opportunity during the base leg.
A good approach makes for good landings. Proper approach speed, power setting and rate of descent should put you on an effective approach, and if you do everything consistently you`ll have consistently better chances of setting up the right approach. At this point on the base leg you need to look at the airstrip to consider when you want to turn to final. Consistency kicks in here once more: I like to set up the turn when the landing strip has passed the pitot tube and is almost at the strut. You can easily opt for a different time, but be consistent. If the end of your turn puts you in line with the runway you`re doing it correctly.
All that`s left is to stick on the glide path all the way down and then land. If you`ve done everything correctly and consistently you should have no problem.
The only problem with this is that temperature, wind and loading conditions differ every time we take wing. Being consistent with your inputs from flight to flight won`t put you at the same point on the strip all the time because your inputs are only part of the equation. You have to compensate for ambient conditions.
bush pilot training And here is tip #4: if you`ve been consistent with all your inputs you`ve set up a consistent target. You can now adjust intelligently for wind, temperature or loading so you can stick on the optimum glide path. In fact, you will almost always have to make adjustments. The tip is that you must be aware that you are adjusting from a benchmark that you established in the first place, not just guessing what you ought to do based on how things look.
The last tip is pretty uncomplicated, but it took me quite some time to notice it and start practicing it. You fly circuits to practice, and we do it repetitively. It stands to reason that if you`ve performed everything consistently and you`re high on your first approach you can fix it on the next attempt by lengthening the downwind leg somewhat, or reducing the power more. And that`s the fifth tip: if the last approach wasn`t excellent, make the sensible adjustments to correct it on the subsequent one. Remember, you're the PIC.
Every student spends time in the circuit. PSTAR The circuit is an agreed upon routine that fliers use in order to preserve traffic separation and simplify the lives of air traffic controllers more convenient. Everybody does the circuit at each airport the same way, so all the fliers know where everyone ought to be.
There are guidelines and protocols that are pretty standardised. Normally the circuit is a left hand one, meaning the pilots turn left from one leg to the other, but now and then they are right hand circuits.
The circuit contains five parts: the take off leg, the crosswind leg, the downwind leg, the base leg and the final leg. Sometimes the last two legs are called the approach legs.
The take off leg begins on the runway and lasts until the turn out, which is commonly at 500 feet AGL. A left turn delivers you to the crosswind leg. With some aircraft, like a 170, you climb to one thousand feet above ground level through the crosswind. With others, like a 150, that doesn`t ascend as well, you could possibly begin the turn at 800 feet above ground level. Bush pilot Whatever the case, circuit height is commonly 1000 feet AGL, and you`d want to arrive at circuit height when you`re ready to turn into the downwind. If you turn at eight hundred feet above ground level you naturally will be required to perform a climbing turn.
The downwind acquires its name because we land into the wind. An alternative way of saying into the wind is upwind. The opposite of upwind (which is the way you`re flying) is downwind, hence the name.
The downwind is the leg during which you do your pre-landing checks and make the call to the tower for the clearance. After you`ve made the turn from crosswind to downwind check your spacing from the strip, ensure you`re parallel with it, establish yourself in straight and level flight, and then promptly get on the checks. The sooner you perform this the more time you`ll have to make your call for your clearance and startbush pilot training looking for traffic. That`s tip number 1. Get into straight and level quickly, verify your position and perform your checks. Be speedy, but be consistent every time.
After you`ve received clearance from ATC you can begin getting ready for your turn to base. The point to turn is when the end of the runway is at a forty five degree angle from a point in the center of the rear wing root and the stabilizer.
You have to slow down to go down, meaning you need to get to your approach speed and attitude as early as possible. To complete this you should try to complete the whole thing precisely the same way each time. You have a bit of latitude in the order, but ordinarily you`ll back off the power first. Pick a set RPM and pin the needle right on it. If you make it into the white arc that allows you to apply flaps you can either apply them in stages or set them at 20 degrees right off the bat. The critical point is to be consistent every time.
If you don't get into in the white arc you can still set up your turn. This will bleed off energy and gets you into the white arc. At this point you can apply your flaps. Again, apply them in stages, or apply them all at once, but be consistent. That`s tip 2 - consistency.
If you haven`t turned yet, do so now(assuming you`ve made your calls, received the clearance and are ok with traffic).
When you scale back power the nose will drop and you`ll have to pull back on the yoke to maintain the desirable attitude. When you apply your flaps the nose will rise, and you`ll have to re-adjust. Trim the aircraft each time. Trimming makes it easier to fly and will allow you to concentrate on other things, like rate of descent. You would like to be descending at four hundred to five hundred FPM. Tip 3 is to confirm your target RPM, your approach speed, and your rate of descent. Get them set up at the earliest opportunity during the base leg.
A good approach makes for good landings. Proper approach speed, power setting and rate of descent should put you on an effective approach, and if you do everything consistently you`ll have consistently better chances of setting up the right approach. At this point on the base leg you need to look at the airstrip to consider when you want to turn to final. Consistency kicks in here once more: I like to set up the turn when the landing strip has passed the pitot tube and is almost at the strut. You can easily opt for a different time, but be consistent. If the end of your turn puts you in line with the runway you`re doing it correctly.
All that`s left is to stick on the glide path all the way down and then land. If you`ve done everything correctly and consistently you should have no problem.
The only problem with this is that temperature, wind and loading conditions differ every time we take wing. Being consistent with your inputs from flight to flight won`t put you at the same point on the strip all the time because your inputs are only part of the equation. You have to compensate for ambient conditions.
bush pilot training And here is tip #4: if you`ve been consistent with all your inputs you`ve set up a consistent target. You can now adjust intelligently for wind, temperature or loading so you can stick on the optimum glide path. In fact, you will almost always have to make adjustments. The tip is that you must be aware that you are adjusting from a benchmark that you established in the first place, not just guessing what you ought to do based on how things look.
The last tip is pretty uncomplicated, but it took me quite some time to notice it and start practicing it. You fly circuits to practice, and we do it repetitively. It stands to reason that if you`ve performed everything consistently and you`re high on your first approach you can fix it on the next attempt by lengthening the downwind leg somewhat, or reducing the power more. And that`s the fifth tip: if the last approach wasn`t excellent, make the sensible adjustments to correct it on the subsequent one. Remember, you're the PIC.
Wednesday, April 6, 2011
Two Approaches to Real Estate Investing
People invest in real estate for two reasons.
I'll talk about the second approach first . Investment real estate is immobile. In fact, that characteristic is why the French and Spanish call it what they do ("propriéte immobilière" and "bienes inmuebles"). That means that real property doesn't disappear and doesn't expire. Its value may go up and down, and its title may be stolen, but it never ceases to exist.
This quality can make properties a reliable place to parkwealth. These qualities can make property a healthy place to park capital, especially for real estate investors who obtain enough income in other endeavors. These buyers superior quality real estate that is dependable and consistent. They are in most cases unconcerned with the rate of return on the investment. They really want realty that can, in the future, stay in demand. it could be city real estate or agricultural land. The key requirement is usually that it be in a location where rule of law and minorities or foreigners are respected.
An illustration of this sort of buyer is a Chinese business person who has made lots of money in China's recent financial boom, but who doesn't have faith in the future of the country. It's important to appreciate, in this circumstance, that a 50 year old Chinese was born in 1961. If his parents were involved in the Party at that time, and had acquired some authority, there is a possibility that they went through some major reversals during the Cultural Revolution which began in 1968. An illustration of this can be found in Xi Jinping, said to be the next President of China. His father, once a Vice-Premier, and former Communist guerrilla, was cleansed in 1968.
Things are totally different now, and that fact is not lost on many of China's nouveau riche. But things could change again. They do not trust Chinese society and would like a sound place for their funds. International real-estate can fill this need.
One other case is the classic one of criminal activity. Proceeds of crime placed into property remain safe. This is the grounds behind money laundering rulings. It has been argued that profits made by raising marijuana has made a contribution to falsely raising Vancouver area property costs.
Those are two extremes of the spectrum, but what they illustrate is a longing for shelter and security, and lower interest in profits and growth.
The same qualities apply to well-to-do men and women looking for an inflation hedge. If local variations are taken out. The critical point is income. The qualities of safety and immobility are gravy.
There can be a clash between the two approaches, although it isn't always in existence. When properties are attractive to buyers seeking growth they can be twice as eye-catching to investors trying to find stability. But, when individuals searching for a safe sanctuary decide to compete with individuals trying to generate income, the stability seekers simply out compete the revenue seekers. They typically have deeper pockets and are not constrained by income investment methods. This has happened in Vancouver, where Chinese money has chased typical income investors out of the market place.
I'll talk about the second approach first . Investment real estate is immobile. In fact, that characteristic is why the French and Spanish call it what they do ("propriéte immobilière" and "bienes inmuebles"). That means that real property doesn't disappear and doesn't expire. Its value may go up and down, and its title may be stolen, but it never ceases to exist.
This quality can make properties a reliable place to parkwealth. These qualities can make property a healthy place to park capital, especially for real estate investors who obtain enough income in other endeavors. These buyers superior quality real estate that is dependable and consistent. They are in most cases unconcerned with the rate of return on the investment. They really want realty that can, in the future, stay in demand. it could be city real estate or agricultural land. The key requirement is usually that it be in a location where rule of law and minorities or foreigners are respected.
An illustration of this sort of buyer is a Chinese business person who has made lots of money in China's recent financial boom, but who doesn't have faith in the future of the country. It's important to appreciate, in this circumstance, that a 50 year old Chinese was born in 1961. If his parents were involved in the Party at that time, and had acquired some authority, there is a possibility that they went through some major reversals during the Cultural Revolution which began in 1968. An illustration of this can be found in Xi Jinping, said to be the next President of China. His father, once a Vice-Premier, and former Communist guerrilla, was cleansed in 1968.
Things are totally different now, and that fact is not lost on many of China's nouveau riche. But things could change again. They do not trust Chinese society and would like a sound place for their funds. International real-estate can fill this need.
One other case is the classic one of criminal activity. Proceeds of crime placed into property remain safe. This is the grounds behind money laundering rulings. It has been argued that profits made by raising marijuana has made a contribution to falsely raising Vancouver area property costs.
Those are two extremes of the spectrum, but what they illustrate is a longing for shelter and security, and lower interest in profits and growth.
The same qualities apply to well-to-do men and women looking for an inflation hedge. If local variations are taken out. The critical point is income. The qualities of safety and immobility are gravy.
There can be a clash between the two approaches, although it isn't always in existence. When properties are attractive to buyers seeking growth they can be twice as eye-catching to investors trying to find stability. But, when individuals searching for a safe sanctuary decide to compete with individuals trying to generate income, the stability seekers simply out compete the revenue seekers. They typically have deeper pockets and are not constrained by income investment methods. This has happened in Vancouver, where Chinese money has chased typical income investors out of the market place.
Friday, March 25, 2011
How to invest in Real Estate
It's strange how rental real estate is thought of as an investment. Like Rodney Dangerfield, it gets no respect. While bonds and equities get the Wall Street Journal and Financial Post, Google "how to invest in real estate" and you'll run across all kinds of no-money down methods that seem planned to sell books and tapes instead of rental real estate. On television there is Report on Business TV, but for real estate love it or list it. It strikes me as sad that such a solid investment opportunity gets such bad reviews.
Of course it is possible to acquire property with no money down, but it involves arranging a 100% mortgage, and for rental property you only do that if you have equity in other properties. For example, if you have one property bought and paid for its not difficult to arrange a line of credit at prime. A $100,000 condo would cost about $400 per month, plus taxes and maintenance of about $200. In short, it would carry and give you cash flow to feed the mortgage costs.
A more regular method to buy real estate is with a down payment of some kind. Generally is you can make a property carry itself with less than 40% down its worth purchasing. These properties are easier to find in balanced markets.
There are several reasons to own income property.
Reason #1 to own income property is because the renters buy it for you. Even if the other benefits didn't kick in, that alone justifies it. But the fact is, there are other advantages to investing in rental property
Reason #2 is leverage. The best description of leverage is in the book Buy, Rent, Sell, by Lionel Needleman (Needleman is not a huckster; on the contrary, he's a very accomplished author and professor with many books and articles published on housing in Canada and the UK. His assumptions and math is a bit simplistic, and should be adjusted for your particular market, but the book is worth it).
He explains leverage this way: John and Mary each purchase a house $100,000. One year later both places have gone up 10% in value. Both purchasers sell the properties and compare the results.
John started with $100,000, and now he has $110,000, so he has earned a 10% return on his money. Mary, meanwhile, put $10,000 down on her investment, and mortgaged the rest for$90,000. After selling and paying off the mortgage she counts her money. She also got a $10,000 profit, but since she only placed $10,000 in the property, she's got a 100% return on her investment. And, as you guessed, the real trick is that while John bought one rental, kept it a year and then sold it with a $10,000 profit, Mary got 10 houses, held them one year, and then got rid of them for a $100,000 profit. Both started out with $100,000, but after 12 months John has only $110,000 while Mary $90,000 more. The numbers are simplified in the example, but they decisively indicate the wonder of leverage.
Reason #3 is taxes. In most tax jurisdictions expenses incurred on income property is a deduction. And, you can usually incur depreciation costs on the structure that in effect are paper losses and that actually reduce the tax. Depreciation functions like this: we know that the value of a durable item, like a house, decreases with time. Even if the property is well maintained, an old house is not worth the same amount as a new house. This loss in value is called depreciation, and you can use that loss to reduce the tax burden.
Of course, when we invest in income property we usually expect that it will go up in price, and over the long term it often does. What happens with the depreciation in a case like that? The taxman was told the property decreased in price through depreciation, but at the end of the process we sold for a profit. The tax agency will generally say that you’ve “re-captured” the depreciation and will tax you.
Re-capture is terrible. Its like finding that you’ve already spent the savings that you were planning on spending in the future.
There is a good solution. When you buy the investment you divide the original investment between the structure value and the land value. Without cheating you try to value the land as low as is reasonable and the building as high as you can (do the math and you’ll see its worthwhile to be reasonable on your estimates). When the property goes up in price and you sell the property, you tell the taxman that you didn’t recapture any depreciation since the structure did depreciate, while the land increased in value. This profit is capital gain, and capital gain is usually taxed at lower rates than income like…rent. You depreciate the money you make when it comes in as rent, and pay tax on it when it comes as capital gain.
Owning rental real estate also enables you to write off the costs of things that you may have bought anyway, from office supplies to a trip to see the property.
Reason #4 is capital gain. Capital gain doesn’t always happen, but it often does. As we’ve seen with leverage, the capital gain can be leveraged. Even better, the capital gain can, in some years, be greater than what some people earn from a year's work.
Reason #5 pulls everything together by combining free cash flow, leverage, and tax planning. Rental real estate earn cash flow. To start the cash flow may be neutral or even negative, but given enough time it will usually becomes positive. When it changes you have to pay income tax on the additional rent. The solution is to re-mortgage and incur some more interest costs, reducing your taxes. You also re-leverage your first property. The next step is to take the funds and acquire another income property. You don't pay income tax, get depreciation, and receive a capital gain. Better, with two properties you spread your risk, and when it's time to sell you can stretch out the timeline and sell the properties in different years to minimize tax.
It can't be emphasized enough that you have to buy the property wisely. You need to be familiar with the location and the potential tenant. Properties that are desirable and are in a desirable area stay rented. “Desirable” doesn’t have to mean “mansion”, but clean and well priced are key. Whether you buy a small apartment or a three bedroom house with a suite isn’t critical.
Metrics are critical. The first is price-to-rent ratio. This means that you take the purchase price, for example, $100k, and divide the monthly rent of $1000 into that. In this case the result would be 100. Numbers between 75 and 175 are good, but never forget that projected capital gains and interest rates impact what numbers you use. Low interest rates lead to higher numbers, and good capital gain projections will command higher numbers. Over 200 is scary in almost every location unless all you are looking for is dependable income, aren't concerned about capital gain or don’t plan on ever selling.
Another excellent metric is the break even point. This is the percentage of the price need for a down payment to allow the realistic rent to carry the property. The rent has to be a) market rent, not “optimistic” rent, and b) net rent, not gross rent. If the house will carry itself at less than 45% down its worth taking a good look at. Obviously, if interest rates are low the net rent will carry more, meaning the break even rate can be high. Remember that low rates don’t last forever, so unless you can lock in very long term you have to assume that the break even rate should be low in low interest rate environments, and can be higher in higher interest rate environments.
If you come across an investment property that has a desirable price to rent ratio and a good break even rate (and is in a good location and isn’t a inferior proeprty), its worth the effort to put the numbers onto a spreadsheet and calculating the internal rate of return (a real estate investment metric that combines various income streams) and projected cash on sale. There are spreadsheets and programs that can do this for you, but the key is “GIGO” – garbage in, garbage out. Get the correct taxes, the realistic interest rates, your projected income tax rate, and realistic estimates of capital gain and maintenance. Investment properties in urban generally appreciate in price more than properties in depressed or remote locales. They also often have what seem to be worse metrics – a downtown city condo may have a much worse price to rent and break even point than little house in a small town. However, capital gain in the rural area is likely much more spotty. Plotting mortgage pay down and tax benefits on a detailed spreadsheet let's you fairly evaluate precisely how competing purchases match up.
It would be wrong to ignore the issue of a property bubble, or crash. Buying on metrics both helps and hinders. It helps because if you are hard-nosed with break even rates and rent multipliers you won’t buy overpriced property (underpriced investment property doesn’t really exist in a bubble, and it doesn’t crash in value). It hinders because you can’t buy on metrics in a bubble, no matter how much you want to, because metric compliant properties aren't around.
The flip side of this is that when a market crashes there are plenty of metric compliant properties, but generally little mortgage financing and plenty of reluctant buyers and distressed sellers.
At the end of the day, a stable market is the optimum for buyers, although buyers who invest on metrics and exit the market near the top of a bubble often feel like they’ve hit the jackpot.
Of course it is possible to acquire property with no money down, but it involves arranging a 100% mortgage, and for rental property you only do that if you have equity in other properties. For example, if you have one property bought and paid for its not difficult to arrange a line of credit at prime. A $100,000 condo would cost about $400 per month, plus taxes and maintenance of about $200. In short, it would carry and give you cash flow to feed the mortgage costs.
A more regular method to buy real estate is with a down payment of some kind. Generally is you can make a property carry itself with less than 40% down its worth purchasing. These properties are easier to find in balanced markets.
There are several reasons to own income property.
Reason #1 to own income property is because the renters buy it for you. Even if the other benefits didn't kick in, that alone justifies it. But the fact is, there are other advantages to investing in rental property
Reason #2 is leverage. The best description of leverage is in the book Buy, Rent, Sell, by Lionel Needleman (Needleman is not a huckster; on the contrary, he's a very accomplished author and professor with many books and articles published on housing in Canada and the UK. His assumptions and math is a bit simplistic, and should be adjusted for your particular market, but the book is worth it).
He explains leverage this way: John and Mary each purchase a house $100,000. One year later both places have gone up 10% in value. Both purchasers sell the properties and compare the results.
John started with $100,000, and now he has $110,000, so he has earned a 10% return on his money. Mary, meanwhile, put $10,000 down on her investment, and mortgaged the rest for$90,000. After selling and paying off the mortgage she counts her money. She also got a $10,000 profit, but since she only placed $10,000 in the property, she's got a 100% return on her investment. And, as you guessed, the real trick is that while John bought one rental, kept it a year and then sold it with a $10,000 profit, Mary got 10 houses, held them one year, and then got rid of them for a $100,000 profit. Both started out with $100,000, but after 12 months John has only $110,000 while Mary $90,000 more. The numbers are simplified in the example, but they decisively indicate the wonder of leverage.
Reason #3 is taxes. In most tax jurisdictions expenses incurred on income property is a deduction. And, you can usually incur depreciation costs on the structure that in effect are paper losses and that actually reduce the tax. Depreciation functions like this: we know that the value of a durable item, like a house, decreases with time. Even if the property is well maintained, an old house is not worth the same amount as a new house. This loss in value is called depreciation, and you can use that loss to reduce the tax burden.
Of course, when we invest in income property we usually expect that it will go up in price, and over the long term it often does. What happens with the depreciation in a case like that? The taxman was told the property decreased in price through depreciation, but at the end of the process we sold for a profit. The tax agency will generally say that you’ve “re-captured” the depreciation and will tax you.
Re-capture is terrible. Its like finding that you’ve already spent the savings that you were planning on spending in the future.
There is a good solution. When you buy the investment you divide the original investment between the structure value and the land value. Without cheating you try to value the land as low as is reasonable and the building as high as you can (do the math and you’ll see its worthwhile to be reasonable on your estimates). When the property goes up in price and you sell the property, you tell the taxman that you didn’t recapture any depreciation since the structure did depreciate, while the land increased in value. This profit is capital gain, and capital gain is usually taxed at lower rates than income like…rent. You depreciate the money you make when it comes in as rent, and pay tax on it when it comes as capital gain.
Owning rental real estate also enables you to write off the costs of things that you may have bought anyway, from office supplies to a trip to see the property.
Reason #4 is capital gain. Capital gain doesn’t always happen, but it often does. As we’ve seen with leverage, the capital gain can be leveraged. Even better, the capital gain can, in some years, be greater than what some people earn from a year's work.
Reason #5 pulls everything together by combining free cash flow, leverage, and tax planning. Rental real estate earn cash flow. To start the cash flow may be neutral or even negative, but given enough time it will usually becomes positive. When it changes you have to pay income tax on the additional rent. The solution is to re-mortgage and incur some more interest costs, reducing your taxes. You also re-leverage your first property. The next step is to take the funds and acquire another income property. You don't pay income tax, get depreciation, and receive a capital gain. Better, with two properties you spread your risk, and when it's time to sell you can stretch out the timeline and sell the properties in different years to minimize tax.
It can't be emphasized enough that you have to buy the property wisely. You need to be familiar with the location and the potential tenant. Properties that are desirable and are in a desirable area stay rented. “Desirable” doesn’t have to mean “mansion”, but clean and well priced are key. Whether you buy a small apartment or a three bedroom house with a suite isn’t critical.
Metrics are critical. The first is price-to-rent ratio. This means that you take the purchase price, for example, $100k, and divide the monthly rent of $1000 into that. In this case the result would be 100. Numbers between 75 and 175 are good, but never forget that projected capital gains and interest rates impact what numbers you use. Low interest rates lead to higher numbers, and good capital gain projections will command higher numbers. Over 200 is scary in almost every location unless all you are looking for is dependable income, aren't concerned about capital gain or don’t plan on ever selling.
Another excellent metric is the break even point. This is the percentage of the price need for a down payment to allow the realistic rent to carry the property. The rent has to be a) market rent, not “optimistic” rent, and b) net rent, not gross rent. If the house will carry itself at less than 45% down its worth taking a good look at. Obviously, if interest rates are low the net rent will carry more, meaning the break even rate can be high. Remember that low rates don’t last forever, so unless you can lock in very long term you have to assume that the break even rate should be low in low interest rate environments, and can be higher in higher interest rate environments.
If you come across an investment property that has a desirable price to rent ratio and a good break even rate (and is in a good location and isn’t a inferior proeprty), its worth the effort to put the numbers onto a spreadsheet and calculating the internal rate of return (a real estate investment metric that combines various income streams) and projected cash on sale. There are spreadsheets and programs that can do this for you, but the key is “GIGO” – garbage in, garbage out. Get the correct taxes, the realistic interest rates, your projected income tax rate, and realistic estimates of capital gain and maintenance. Investment properties in urban generally appreciate in price more than properties in depressed or remote locales. They also often have what seem to be worse metrics – a downtown city condo may have a much worse price to rent and break even point than little house in a small town. However, capital gain in the rural area is likely much more spotty. Plotting mortgage pay down and tax benefits on a detailed spreadsheet let's you fairly evaluate precisely how competing purchases match up.
It would be wrong to ignore the issue of a property bubble, or crash. Buying on metrics both helps and hinders. It helps because if you are hard-nosed with break even rates and rent multipliers you won’t buy overpriced property (underpriced investment property doesn’t really exist in a bubble, and it doesn’t crash in value). It hinders because you can’t buy on metrics in a bubble, no matter how much you want to, because metric compliant properties aren't around.
The flip side of this is that when a market crashes there are plenty of metric compliant properties, but generally little mortgage financing and plenty of reluctant buyers and distressed sellers.
At the end of the day, a stable market is the optimum for buyers, although buyers who invest on metrics and exit the market near the top of a bubble often feel like they’ve hit the jackpot.
Friday, March 18, 2011
Getting Off Grid
Living off grid real estate is getting increasingly popular. From time to time people just take on vacant pieces of land, or live semi-permanent lives in trailers. A sustained off grid lifestyle, though, requires finding an off the grid piece of land.
Discovering off grid real estate in BC isn't too difficult. There are plenty of classified listings, on the web or in the papers, to complement what you can find on the Multiple Listing Service (which is also available online).
This raises the issue of what, precisely, qualifies as "off grid real estate"? Most pieces of land will have some kind of access, even if only by the roughest road, and so is, strictly speaking, at least a little bit on grid. It's also possible to, of course, look (or ask a realtor to send you an automated search)for land parcels that do not have electricity hook ups, water, sewer or telephone. These can be negatives for property vendors, and so you're likely aren't going to be facing too much competition from other other buyers.
Satisfying local codes and inspections can be something to get past, but its possible to find unserviced property in areas that do not don't require building inspectors. These can be properties that are often far from the nearest urban area. In reality you are still supposed to comply with the BC Building Code, but its improbable that anyone will turn up to enforce the building code.
Of course, complying with the building code is possible. The building code has allowed lots of styles of building systems, and is supposed to ensure that the housing is safe, not that its hooked up to the grid. There are fantastic off the grid buildings that satisfy the BC code and which have been inspected and passed by building inspectors.
You can find pieces of land in BC that you can't reach by road. Most of this is water or boat access, either by lake or, more generally, by sea. There are also properties that are accessible by walking, plane or horseback. This might seem more interesting remember that difficult access makes home construction difficult, and once you're done you'll still have the challenge of obtaining medical aid or supplies.
Going offgrid in BC means making it through Old Man Winter. Winters are demanding enough throughout the province that you'll need a dependable heat source, and in some parts it gets really cold. The best solution is to burn wood, but for that you need a a fireplace or stove, and cords and cords of cordwood. Perhaps the most attractive and most sustainable is geothermal, which can be built in many ways.
Solar and wind won't supply enough heat. They can, and do, give enough electricity electricty to run an off grid real estate, although your habits will probably have to change. Solar can be very expensive, as can wind, when you make the intial set up. You can build your own, though, and there are plenty of plans on the internet that work.
You can also go off grid bc with a generator, and as long as you have enough diesel or gas you'll lots of electricity. This is how remote set ups, whether farms, lodges or ranches, have been powered for years throughout the remote parts of the province, but a old style generatorlikely isn't too attractive to modern day off gridders.
The biggest thing to consider when considering off grid real estate is that it is not easy, it likely will be more difficult than you imagined, and there will be obstacles that you never anticipated. On the other hand, most offgridders are independent - its in their bones.
Discovering off grid real estate in BC isn't too difficult. There are plenty of classified listings, on the web or in the papers, to complement what you can find on the Multiple Listing Service (which is also available online).
This raises the issue of what, precisely, qualifies as "off grid real estate"? Most pieces of land will have some kind of access, even if only by the roughest road, and so is, strictly speaking, at least a little bit on grid. It's also possible to, of course, look (or ask a realtor to send you an automated search)for land parcels that do not have electricity hook ups, water, sewer or telephone. These can be negatives for property vendors, and so you're likely aren't going to be facing too much competition from other other buyers.
Satisfying local codes and inspections can be something to get past, but its possible to find unserviced property in areas that do not don't require building inspectors. These can be properties that are often far from the nearest urban area. In reality you are still supposed to comply with the BC Building Code, but its improbable that anyone will turn up to enforce the building code.
Of course, complying with the building code is possible. The building code has allowed lots of styles of building systems, and is supposed to ensure that the housing is safe, not that its hooked up to the grid. There are fantastic off the grid buildings that satisfy the BC code and which have been inspected and passed by building inspectors.
You can find pieces of land in BC that you can't reach by road. Most of this is water or boat access, either by lake or, more generally, by sea. There are also properties that are accessible by walking, plane or horseback. This might seem more interesting remember that difficult access makes home construction difficult, and once you're done you'll still have the challenge of obtaining medical aid or supplies.
Going offgrid in BC means making it through Old Man Winter. Winters are demanding enough throughout the province that you'll need a dependable heat source, and in some parts it gets really cold. The best solution is to burn wood, but for that you need a a fireplace or stove, and cords and cords of cordwood. Perhaps the most attractive and most sustainable is geothermal, which can be built in many ways.
Solar and wind won't supply enough heat. They can, and do, give enough electricity electricty to run an off grid real estate, although your habits will probably have to change. Solar can be very expensive, as can wind, when you make the intial set up. You can build your own, though, and there are plenty of plans on the internet that work.
You can also go off grid bc with a generator, and as long as you have enough diesel or gas you'll lots of electricity. This is how remote set ups, whether farms, lodges or ranches, have been powered for years throughout the remote parts of the province, but a old style generatorlikely isn't too attractive to modern day off gridders.
The biggest thing to consider when considering off grid real estate is that it is not easy, it likely will be more difficult than you imagined, and there will be obstacles that you never anticipated. On the other hand, most offgridders are independent - its in their bones.
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