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Foreclosures are on everybody’s mind these days because it’s posted all over the news and radio. The current economy and real estate market are struggling which creates one of the best opportunities for creating wealth. You really can buy homes for $1,000 these days. It may need some work, but you will always make money on four walls and a plot of land at that price. Real estate investing has changed and over a few articles, I plan on giving you some great information.
Foreclosures have three phases: Pre-foreclosure, Auction and REOs. First, let’s look at Pre-foreclosures. In the pre-foreclosure phase the owner is still in control. They are properly a few months behind on payments and the clocking is ticking for them to make a move to get out from under the debit before the bank forecloses on the home. A foreclosure on your credit is very devastating and makes for a motivate seller. A fundamental in investing is learning why the home is in this phase.
You have to be able to identify a problem before you can have a solution. You also need to identify if there is equity in the home. If there’s not, you probably won’t be able to help as equity creates price flexibility for the seller and opportunity for you. This phase is great because the banks aren’t involved at this point and allows for you to do some research into the condition of the home and hopefully get a great deal without the seller having to have the foreclosure on there record.
Auction phase is when the bank has taken control of the property and is, well, auctioning the home off. Investing in this phase is difficult and usually reserved for the more experienced due to financing, inspections and the attached liens on the property. More experienced investors can do more detailed research and get a good handle on their risks without the inspections and have more experience dealing with additional lien holders. My guess is that if you are reading this, you are probably a beginner and should not try to buy a home in this phase.
REOs, ahhh this is it. REOs are the homes that went to auction but didn’t sell. These properties have gone back to the bank and the other incumbencies have been removed. This is where you hear of people buying homes for $500 – $2,500. This is the banks last resort as they couldn’t get the home off their books at auction. At this stage, you can inspect the property and know what you are getting into. These homes will probably be in disrepair but with a little TLC you can make a huge profit quickly.
That’s it for now, but be on the look out because I will be showing you how to find these properties and explaining exist strategies for these investments. I planning on showing you that you really can make a fortune in real estate.
Chad
http://www.RacSun.com.

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Why are some rebellions in history more acceptable than others? Or are they; are there still grudges over the civil rights movements, the foundation of the U.S constitution and other famous rebellions? Depending on the positive views that came out of the rebellions and how they conformed to society, some rebellions are more acceptable than others. Rebellions in history are a part of who we are today. The essay “Perils of Obedience” written by Stanley Milligram states, “some system of authority is a requirement of all communal living.” There will always be a correlation to obedience and rebellions in this world because it is a part of our history and lives.
It is not that people want to disobey and do wrong but, it defines to what we should do and to what is proper. For example, Marriane S. Maszak, author of the essay “The Abu Graib Prison Scandal: Sources of Sadism” states that authorization has a major part to do with how we act. If someone, our boss or manager tells us to do something, we do it. Most of us do not ask questions, it is clear that it has to be done, so we just obey. However, in order for anyone to follow orders, according to Maszak, “authority… needs to say that extreme measures are acceptable.” The American soldiers in the prison were told and shown by their leaders that what they were doing was not wrong; that it was not wrong to these acts. This state of obedience of authority was one of the answers that U.S soldiers gave when they were asked why they did such horrible things when they mistreated Iraqi soldiers. Some Americans that defend the actions of the soldiers back up their opinion by stating that the American soldiers were simply following orders. When people simply follow orders and the list of following orders go on and on, who should really be punished?
Individuals, when in a rebellion often state that they were following orders. When individuals follow orders, it is more difficult to find out who was the one doing harm. Everyone whether out of the U.S or in the U.S has received some type of orders throughout their lives and has had to obey them. A woman in an airplane stated that she was against all authority, in the article “Just Do What the Pilot Tells You,” by Theodore Dalrymple, she was not aware that a simple authority given to a pilot can change how a different situation is seen. Our life as a human being depends on authority and rebellion to exist. Sometimes, authority is given out blindly without even knowing. Dalrymple warns that “in this instance, {the pilot’s} authority was necessary.”Just because the woman in the plane officially did not go over to the pilot and gave her authority to him to fly that plane, that does not mean that he does not have authority to do his job. The authority given to the pilot was simply blind.
The history of the U.S is a perfect example of a rebellion. The book We The People , according to Duane E. Smith, states that “The delegates under the The Articles of Confederation were only given the power to only ratify the constitution.” However, the delegates refused to do what they were told and they gathered around to create a more powerful new form of government. When this new government was being formed, some delegates knew that this process of free thinking that was going into effect would benefit everyone and would also make America stronger. Other delegates, the anti federalists acted as the normal American that believed that what they were doing is wrong. Soon later, with pressure to authority, the opposing delegates followed the lead to defend the more powerful new government. This is how free thinking and rebellion made the American government a better unified country.
There have been many experiments that lead to state that authority is what makes people act obedient. The essay, “The Stanford Prison Experiment” written by Phillip Zimbardo is an experiment ran to imitate a make believe prison. Under this make believe prison, college students were hired to act like prison guards and prisoners. Zimbardo states, “that these normal, healthy, educated young men were so radically transformed under the institutional pressures of a prison environment.” The results of these experiments, like the experiment by Milligram state that under the pressure of order, the results of the experiments are hard to believe.
It is obvious that obedience and rebellions is what makes up our daily lives and history. Almost no one under obedience most of the time is out to harm anyone. The number one thing people under obedience are after is making their leader appreciative of them. Milligram states, “{People} often like the feeling they get from pleasing the {experimenter}.” In this case in life and society, some Americans just want to please their teacher, friend and or boss when they are under the role of being obedient. Individuals have to consider their personal ideals and consequences when they decide to rebel and or be obedient of something. Just because some rebellions are more acceptable than others and some are common in our society, that does not mean that starting a rebellion is the right thing to do. We as Americans are constantly dictated on how to act everyday and how not to act.
Works Cited
Dalrymple, Theodore. “Just Do What The Pilot Tells You,” Writing and Reading Across the
Curriculum. Eds. Behrens and Leonard J. Rosen .NY: Pearson, 2006. (364-368)
Maszak, Szedy. “The Abu Ghraib Prison Scandal: Sources of Sadism,” Writing and Reading
Across the Curriculum. Eds. Behrens and Leonard J. Rosen .NY: Pearson, 2006. (302-304)
Milgram, Stanley. “The Perils of Obedience,” Writing and Reading Across the Curriculum. Eds.
Behrens and Leonard J. Rosen .NY: Pearson, 2006. (313-324)
Smith, Duane. Eds. We the People. Calabass: Center For Civic Education, 1995.
Zimbardo, Phillip. “The Stanford Prison Experiment” Writing and Reading Across the
Across the Curriculum. Eds. Behrens and Leonard J. Rosen .NY: Pearson, 2006. (344-354)

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We quite often need to remember chunks of text – perhaps we have to give a speech or are revising for a test. This can be a big challenge for many people, especially if you feel under pressure about the situation you have to do this for. However it is possible to learn to memorise text quickly and easily.
First you need to familiarize yourself with the text by reading it through – BUT – you have to do this as if you are reading it to someone else rather than reading it over quickly to yourself.
As you read it out to your imaginary friend think of questions you have about the bits you don’t understand so well. Write those questions down
Give yourself an instruction to remember certain parts of the information by telling yourself to do this and writing down a brief note of the part you are committing to memory.
Once you have become familiar with the text condense the notes you have made into one word phrases so that one word contains a lot of information. What is the key word for that ‘bunch’ of information? List these keywords.
Next take each word and form a vivid picture of each one
Lastly form those pictures into a story you will be able to run through in your mind quickly. Make it a short story and preferably a silly one too. So ludicrous that you will easily recall it because it makes you laugh. Remember too to put plenty of strong action in it which will make it dynamic in your brain and much easier to replay.
Another alternative is to do all of that up to the point of having keywords for your chunks of information and then peg these keywords to your Room List. Then a quick run through your Room List will immediately reactivate the keywords and they will quickly reactivate all the chunked information you are memorising. Then – voila! Job done.
Finally to help your short term memory here is a strange tip for you to do. Watch cartoons! Yep – that’s right. Sit down and get your fill of Bugs Bunny and Daffy Duck. Spend at least half an hour watching them and as you do this you will be super charging your imagination. As you know imagination is one of the key principles of memory improvement and things like seeing the silliness and exaggerated situations in cartoons will open the doors of your imagination and show you how you can turn situations into colourful, active, memorable pictures. Have fun!

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I know that many of you will be thinking what will meditation do for me, why is it so important and of course ‘I don’t have time to sit around trying to clear my head, I’m busy’. Well let’s be honest here, do you suffer from stress, now think about this a little more, because the answer is yes and if you’re not sure about that read on and think a little more…and don’t forget to check out my recommendation for easy stress relief.
Why Are We All Stressed?
With modern day living comes the hectic and ever demanding pace of live, it’s no wonder that many of us feel stressed and overworked and how many of us take this home with us, how many others feel the impact of the stress we feel?
Our stress and tiredness of everyday life lead us to the feelings of unhappiness, frustration and a lack of patience when it comes to dealing with even the most simple every day routines. Not to mention the impact that all this has on our health, the tiredness that we feel, the ever nagging inner voice reminding us that we need to do this and that and the other. Or the demands of our boss, our clients, our family and friends all add up to making life one big stress ball.
‘I’m stressed out’, ‘work is one big stress’, ‘I’m under too much stress’, ‘the kids are stressing me out’, these are all phrases that we are all too familiar with and it is also an acceptable part of every day life.
How Do I Define My Stress?
Stress is hard to define as it means different things to different people; however, one thing that is perfectly clear to all of us is that stress is a negative emotion, negative energy as opposed to positive.
Stress can be both physical and mental. Physical stress could be the result of a lack of sleep, or a poor diet and even an effect of an illness. Mental stress can be worrying about money, or how you’re going to survive retirement, or from experiencing a devastatingly emotional event such as the death of a family member, or being fired from work.
Our Natural Stress Response System
But did you know that much of our stress comes from less dramatic everyday routines. Obligations and pressures which are both physical and mental are not always that obvious to us and in response to these daily strains our body automatically invokes a stress response which floods your body with chemicals which increases your blood pressure, your heart rate, the blood flow to your muscles, your metabolism and your respiration. All of these responses are natural reactions so that our bodies are ready to react quickly and effectively under high pressure situations, termed fight or flight. Now whilst a stress response is useful in true emergency situations when you need to be on alert, it can considerably wear your body down when constantly active.
We are all continuously reacting to stressful situations, which is termed stress response, but without making adjustments in our lives to counter the effects. Stress can cause physical, emotional and behavioral disorders which affect our health, vitality and peace of mind; and of course it also affects our personal and professional relationships. Stress is also the key cause to many minor illnesses such as insomnia, headaches and backaches on top of the life threatening diseases such as high blood pressure and even heard disease.
It is also very true that every person handles stress differently, take for example a major life decision like changing careers, or moving house. I know some of you are cringing at the thought, but I also know that some of you would relish the thought. Whatever may be overwhelming to some people might actually be seen as a welcome change to others. An even simpler example is sitting in traffic, some people find this too much to tolerate tooting their horns and screaming out for more coffee, whilst others just take it in their stride maybe with the help of a little music, or a happy thought.
So what’s the answer? Well, aside from the inexhaustible amount of drugs available to reduce stress, which include free side effects I may add, there’s one very simple and natural way to reduce stress that takes 10 to 20 minutes of your day and has no side effects, meditation.
Our Natural Relaxation Response System
Earlier I mentioned that the secret to reducing your stress is by making adjustments in your life to counter the effects of stress, well this is done by evoking a relaxation response within you.
A relaxation response is a state of deep rest that is the opposite of the stress response. The relaxation response brings your body back into balance by deepening your breathing, reducing the stress chemicals in your body, slowing down your heart rate and relaxing your muscles. It also increases your energy, improves your focus, relieves headaches and other aches and pains, heightens your problem solving skills and boosts motivation and productivity and the best news is that with a little practice anyone can gain from these benefits.
Recommendations
As many of you out there are new to meditation and I am certain that there are also many of you who don’t want to get into depth of how to meditate or what form of meditation to use and want a quick head start, I would recommend you begin with an affordable audio meditation, check out morphogeneticmeditation for links to free audio’s to get you started.
also increases energy and focus, combats illness, relieves aches and pains, heightens problem-solving abilities, and boosts motivation and productivity. Best of all – with a little practice – anyone can reap these benefits.
Remember, each person handles stress differently. Some people actually seek out situations which may appear stressful to others. A major life decision, such as changing careers or buying a house, might be overwhelming for some people, while others may welcome the change. Some find sitting in traffic too much to tolerate, while others take it in stride. The key is determining your personal tolerance levels for stressful situations. Stress can cause physical, emotional and behavioral disorders which can affect your health, vitality, peace-of-mind, as well as personal and professional relationships. Too much stress can cause relatively minor illnesses like insomnia, backaches, or headaches, and can contribute to potentially life-threatening diseases like high blood pressure and heart disease.
Stress can also be mental: when you worry about money, a loved one’s illness, retirement, or experience an emotionally devastating event, such as the death of a spouse or being fired from work. However, much of our stress comes from less dramatic everyday responsibilities. Obligations and pressures which are both physical and mental are not always obvious to us. In response to these daily strains your body automatically increases blood pressure, heart rate, respiration, metabolism, and blood flow to you muscles. This response, is intended to help your body react quickly and effectively to a high-pressure situation.
With the hectic pace and demands of modern life, many people feel stressed and over-worked. It often feels like there is just not enough time in the day to get everything done. Our stress and tiredness make us unhappy, impatient and frustrated. It can even affect our health. We are often so busy we feel there is no time to stop and meditate! But meditation actually gives you more time by making your mind calmer and more focused. A simple ten or fifteen minute breathing meditation as explained below can help you to overcome your stress and find some inner peace and balance.
Meditation can also help us to understand our own mind. We can learn how to transform our mind from negative to positive, from disturbed to peaceful, from unhappy to happy. Overcoming negative minds and cultivating constructive thoughts is the purpose of the transforming meditations found in the Buddhist tradition. This is a profound spiritual practice you can enjoy throughout the day, not just while seated in meditation.

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