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Are We Reaching A R/E Tipping Point?
Not many people are publicly saying it, but a crucial "tipping point" in the current real estate market may be within reach. Specifically, with the Federal Reserve Bank having recently announced its 17th consecutive interest rate hike, adjustable rate mortgages established in 2002 and 2003 when rates were historically low are now coming up for an adjustment.This won't be a big deal for most folks who will be in a position to refinance to a fixed rate mortgage before the adjustment date kicks in. However, the higher fixed rate mortgage will still present challenges to some homeowners who could see mortgage payments one third higher than before. In addition, some homeowners have been shocked to learn that they won't qualify for refinancing due to adverse changes in their income, etc. In other words, this latter group of people will be stuck with their current adjustable rate mortgages and subject to ever increasing payouts as mortgage interest rates show no sign of holding still or falling.The tipping point with all of this is foreclosures. If unable to keep up with the higher payments some homeowners could fall behind or simply quit making payments; as a result the foreclosure rate may rise dramatically. If this scenario plays out, look for more personal bankruptcies to result and a glut of homes on the market to push housing prices down. The longer term result could be a huge drop off in the economy, making the "r" word -- recession -- the w

t you can always find a game. The Las Vegas Strip is only a 20-minute drive from my home, and Downtown Vegas is 15 minutes away. Plus the closest casino to my house (Santa Fe Station) recently added a poker room, so now a game is only 10 minutes away.

When I first moved here, I thought it would be fun to play poker more often, since I always enjoyed a good game. I

The Power Of Visualization
When working with the law of attraction, or toward success in anything we do, we first need to realize the power that our mind has in creating that success. Our ability to see our success in our minds eye is the first step toward actually accomplishing that success. The ability to visualize in your head and see yourself doing what it is you want to do or having what it is you want to have is a valuable skill and asset to have on your side. Take the time to practice visualizing and get good at it. This one skill alone pays dividends in return.There was a study done a number of years ago with a high school basketball team that is note worthy. The basketball coach at the time split the team in half and worked with each half of the team seperately. One half of the team practiced throwing free throws over and over again. The other half of the team did nothing but visualized themselves throwing free throws. Both sides practiced their jump. Both halves practiced using their wrists properly to make a good free throw. Both sides practiced their aim and accuracy when it comes to making it in the basket. The only difference was that one half did it physically and the other half of the team did it all in their minds eye.What were the results? The results were astounding. The half that did nothing but visualize did just as well as the half that physically practiced. Some of the players who visualized actually did even better. This is a powerful testiment

Since I received positive feedback on Life Lessons From Blackjack last week, I thought I’d share some lessons I learned from poker as well.

Background

Again, feel free to skip the background story if you just want to read the lessons part. I only include this for the curious.

I first learned to play poker when I was 18, just playing nickel-dime-quarter games with friends from school. I was a fairly weak player back then, mostly using a loose-aggressive style and bluffing way too much. But I enjoyed the game and would usually play at least once a week. Of course, this was only in home games where I mostly played those deviant forms of poker not found in casinos. My favorite game was called 3-5-7. I only played for fun at this time and for many years thereafter, I never took the game seriously.

When I was 21 and living in L.A., some friends and I made a few trips to Commerce Casino. I played mostly 7-stud at the time and a little bit of hold’em. I didn’t keep records back then, but overall I probably broke even. I played at Commerce perhaps 5 times total. It was an hour’s drive from my home, so it wasn’t convenient enough to bother with, since I was only playing for fun anyway.

From the age of 24 to 33, I hardly played poker at all, maybe once a year on average. It just wasn’t a big part of my life.

In January 2004, my family and I moved to Vegas. The availability of poker games in Vegas (and the recent surge in popularity) means that you can always find a game. The Las Vegas Strip is only a 20-minute drive from my home, and Downtown Vegas is 15 minutes away. Plus the closest casino to my house (Santa Fe Station) recently added a poker room, so now a game is only 10 minutes away.

When I first moved here, I thought it would be fun to play poker more often, since I always enjoyed a good game. I

Spyware Share Ware
If you have ever downloaded anything from the internet, especially if it is one of the free software’s, also know as share ware, and then you probably have spyware from share ware. Don’t worry, or start to panic, it is really not that big of a deal. With a few simple keystrokes, and about 10 minutes worth of time, you can run a free scan of your computer and see if you have spyware from share ware.First, lets examine what share ware is. Basically, it is software which is shared. People out there will design software, and then allow others to use it for free. Well, technically it is free, but there is a price to pay at times. Sometimes you must give up a name and email address, and then start receiving junk mail. Other times, it really is just free. And works very well. But every now and then, you get hit with spyware and do not even know it.Once you download the program, and then install it onto your computer, you really have no idea what was just installed. You think it was a free program, but this program could be monitoring your keystrokes, or tracking your website viewing, and then transferring this data to someone else. Of, you could just end up with a situation where you start to get a lot of popus. All of these are cases of spyware from share ware.There is a simple fix for this. Find a good quality spyware removal software program, and run a scan on your computer. This scan will tell you if you have any sort of sp

games with friends from school. I was a fairly weak player back then, mostly using a loose-aggressive style and bluffing way too much. But I enjoyed the game and would usually play at least once a week. Of course, this was only in home games where I mostly played those deviant forms of poker not found in casinos. My favorite game was called 3-5-7. I only played for fun at this time and for many years thereafter, I never took the game seriously.

From the age of 24 to 33, I hardly played poker at all, maybe once a year on average. It just wasn’t a big part of my life.

When I first moved here, I thought it would be fun to play poker more often, since I always enjoyed a good game. I

Motivational Tools to Engage Every Employee on Your Team
Skilled managers and team leaders know that when motivating employees one size does not fit all. Every person on your team is moved by some combination of internal and external motivators. What works for one employee might actually have the opposite effect for another employee. Your motivational tool kit needs to be revisited and refreshed regularly if you want to keep every individual engaged.External MotivatorsThink of extrinsic or external motivators as those incentives outside of the employee. In organizations, these motivators could include compensation and benefits, reward and incentive programs, and company or department goals. If an individual has family responsibilities, then, perhaps their economic needs motivate them. Physical security needs are also considered to be external motivators. How much control do you, as a team leader, have over these external factors? If you’re thinking “very little” then you are right on target.Internal MotivatorsOn the other hand, intrinsic or internal motivators include less tangible factors as personality and work ethic. Attitudes about authority, personal goals, and even the level of self-esteem that an employee exhibits are all an “inside job”. Each employee’s psychological needs drive their behaviors and choices. If you’re thinking “I don’t have much control over those internal factors either” then you may be missing an opportunity to motivate your team. In truth, you

at this time and for many years thereafter, I never took the game seriously.

From the age of 24 to 33, I hardly played poker at all, maybe once a year on average. It just wasn’t a big part of my life.

When I first moved here, I thought it would be fun to play poker more often, since I always enjoyed a good game. I

What Are Most PowerPoint Slides Good For?
Believe it or not, the answer is not NOTHING! Even though that is what most people who know me would expect me to say.I actually think that there is a role for the typical text-filled, bullet point laden PowerPoint slide, only it isn’t to be used on the PowerPoint projection screen. I love PowerPoint, including builds (that’s when you slide one new line of text on top of an existing page) on my computer, whether it is on a web site or as a separate document.Why is it OK in one place but not the other? Because I like to read on my computer (and no one really likes to read a big screen from 30 feet away). PowerPoint slides with building lines of text on a web site can be a great way to have people focus on one idea at a time and to go through lots of data. PowerPoint builds can keep people from skimming ahead. Also, reading a printout of the document after having gone through the presentation mode online is a nice way of reinforcing the points and can serve as a reference tool for weeks or months to come.When clients come to me to practice a typical PowerPoint speech using slides with tons of data and words, I try to reassure them that their slides do have some value—just not as a visual aide during their speech. Instead, I urge them to use their text-driven slides as a document they can email audience members after the speech, put on their web site for additional information, or give as a paper handout (but only after the speech is fin

rom my home, so it wasn’t convenient enough to bother with, since I was only playing for fun anyway.

From the age of 24 to 33, I hardly played poker at all, maybe once a year on average. It just wasn’t a big part of my life.

When I first moved here, I thought it would be fun to play poker more often, since I always enjoyed a good game. I

Affiliate Marketing With Or Without Money
The greatest part about affiliate marketing is the small amount of money you need to make money with affiliate programming. For the most part most affiliate programs are free or very low cost. If you want to run them on a website then there may be some low costs incurred for web hosting. My personal favourite instead of paying for websites are to use blogs. You can have a free blog up and running in an hour and then all that’s left to do is choose the affiliate program you want to join.Over the next few months I will be submitting several articles that are sure to help you grow your affiliate marketing career.1. It can get very confusing in the affiliate marketing world. There are thousands and thousands of affiliate programs. The great thing is that most of them are free to join and participate in. I would still recommend investigating the program a bit by searching it on any of the major search engines with the word scam next to it. While the program may be free you don’t want to waste a great amount of time promoting something that isn’t going to pay.2. There are some affiliate programs that you have to pay a fee to join. Before joining one of these you really want to investigate the program very carefully. Over the years thousands and thousands of people have been scammed through shady affiliate marketing programs that charge. That’s not to say there are not good ones out there. It’s just important to check the progr

When I first moved here, I thought it would be fun to play poker more often, since I always enjoyed a good game. I had no intention of making it into a career, but nor did I have any interest in losing money at it. I figured that if I could learn how to count cards at blackjack, surely I could become decent enough at poker to consistently beat the low-limit games. That way I could have fun and win a little money at the same time.

Turns out I was right.

Based on recommendations from others, I picked up a few books on the subject. My favorite was Winning Low-Limit Hold’em by Lee Jones. I followed Jones’ recommendations fairly closely, and they worked well.

I only play the cheapest limits, like $1-3 and $2-6 spread games or the $2-4 structured games. I play in smoke-free poker rooms, which fortunately are becoming more common. Personally I like the campy/friendly (and smoke-free) atmosphere of the Excalibur poker room, so that’s where I usually play. It’s a very winnable, low-pressure game if you’re halfway decent, especially on a Friday or Saturday night when the place is filled with tourists who are mostly there for fun and free drinks. I know most of the dealers there by name, and all are very friendly.

I’m not out to make a career out of this, and I certainly don’t consider myself a shark. I just love the fun and the challenge of the game. I’ve always enjoyed competition.

On average I play a couple times a month, usually on weekends. I record every session I play in a spreadsheet, so I can see how I did — I want to know if I’m winning or losing. Las

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Sharing apartments with roommates can be an enjoyable experience, but can quickly turn sour when finances are improperly managed. This article will explain how to handle and manage finances with your roommates in a consistent and organized manner.

Noni juice relieves joint pain, improves flexibility, and performs as a strong anti-inflammatory. This fruit from the Cook Islands offers relief to many for symptoms of their arthritis.

I've heard people who said they were so happy. They'd lost 20 pounds and everything was wonderful until they returned from the doctor's where they discovered their scale at home was off by 10 pounds, in the wrong direction. Suddenly they didn't feel so good any more.

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