Finding the Right Travel Nursing Placement Agency

Travel nursing is becoming one of our nation’s fastest growing professions, and it’s no surprise. If you love seeing new places and enjoy exciting new experiences that evoke the feeling of taking an extended vacation, then the career of a traveling nurse might be just what the doctor ordered! Travel nursing enables many people to stay on vacation for two to six months in free luxury accommodations while earning high hourly wages at the same time.

Yet despite all these advantages, many nurses describe to me that they’ve shied away from the traveling profession. Why? Because bad experiences with placement agencies have left them with nothing but a negative impression. They’ve been underpaid or lacked benefits, and I can’t tell you how many nurses have complained to me about inadequate housing or recruiters who were unkind, uncaring, and just plain unavailable. The sad result is that nurses end up jumping from one agency to the next, always in search of the perfect package that’s never there.

In this light, choosing the right staffing agency requires a nurse to consider everything that is offered. Some nurses emphasize pay as their top priority. Others require an excellent benefits package. Many travel RNs are location-specific and want to experience the lifestyle in the country’s hot spots. Career flexibility is often a pivotal factor, along with customer service. The bottom line is, your agency choice depends largely upon one of the four following criteria.

SALARY

No question about it, there are some agencies that offer more money than others. So the first thing to remember is that agencies may base salaries upon things like location availability, need-to-fill assignments, and cost of living.

Some agencies must offer noticeably higher rates if they expect to fill certain assignments where nurse-to-patient ratios are very low, or where a facility has extreme patient needs. If you’re a nurse who is attracted by very high dollars, be alert for a potentially desperate situation you might be entering, and the workload it could bring. You may make more money, but you’ll earn every dollar and more.

Location also factors into salary. The California bay area and many larger east coast cities definitely offer more lucrative pay rates. It’s also much more expensive to live in those places, so recognize the relationship that exists between salary dollars and cost of living. I’ve seen nurses return from Hawaii saying they had a great vacation and made a lot of friends–but their purses were lighter, not heavier from the experience. You might get less money in an exotic location and come back with more money from a not-so-exotic location. My point is, your criteria will determine your priorities.

BENEFITS

What some companies may lack in salary, they make up for with benefits. Many agencies offer benefits programs that revolve around monetary bonuses or discounted luxury housing; and I have even observed a trend with several newer companies that offer entirely free housing to all their nurses. Take note, however, that those agencies may not ante up the really high salaries. It’s a trade-off, so they compensate you with benefits to save you daily, monthly, and annual expenses. Every nurse should be aware of what benefits they need the most, and then ask their recruiters to assist in developing a package that is tailored to their individual needs.

CUSTOMER SERVICE

To many traveling nurses, customer service and aid are the most important attributes a placement agency possesses. If you called ten agencies and only talked with one live recruiter, it’s probably best to narrow it down to the agency where individual placement specialists were easily available. After all, if you’re ready to proceed with a new assignment you’ll want an agency that can make it happen fast and has recruiters available who already understand your criteria. In fact, your criteria may change from one assignment to another, so customer service is paramount. Determine what you want and then find out which agencies can make it happen.

FEATURED LOCATIONS AND HOT SPOTS

While for some nurses, salary, benefits, and career flexibility might be the number-one interest, many others just want the obvious–to travel and see the world. If you’re an adventurer who cares more about the travel experience than the money, then you’ll need an agency that can offer you the locations you want.

Not every agency can send you just anywhere. Figure out where you want to go, and then call around to discover who can send you there.

A travel nursing career is absolutely one of the best, most rewarding choices any nurse can make, but it’s important to select a company who will partner with you every step of the way. Before you jump in, do your homework and research all the best placement agencies. Finding the agency that fits your unique wants and needs will drastically increase your chances of success and happiness in your career.

Nurses to Take Advantage of Online Degrees For Career Advancement

Most nurses are worked in shifts and many of them work in 12-hour shift making them hard to plan for evening class on continuous education program whether they are doing a day shift or a night shift. The advantages of online degree programs that enable students to enter to the classes remotely with flexible learning schedule provide the best solution for nurses to earn a degree for their career advancement.

Many hospitals and medical care centers are encouraging their registered nurses to pursue their academic careers, which are good not only for the hospital system, patients and the community, earning a bachelor or graduate degree helps nurses to enjoy better income and career challenges. The hospitals typically try to give their nurses as much information as possible about the education options, and many of these hospitals are allocating education reimbursement benefit for the nurses to encourage them to earn a higher credential through continuous education program. Hence, the nurses should utilize the benefit for their future career planning.

Prior to the available of online degree program, the key barrier that stop most nurses from continue their education after entering the workplace is they are facing difficulties to find time to sit through years’ or months’ of coursework in a traditional classroom setting. Since the available of online education in nursing or healthcare majors remove the barrier and enable nurses who are interested to advance their career to pursue an academic degree online. They can choose to logon to the online classes whether from their home, workplace or where ever they are, even if they are on travel. Most online degree programs allow a good degree of flexibility that enables students to plan their study schedule based on their own pace.

Seeing the demand of nursing degree programs and the advantages of online education, many traditional campus-based nursing schools have made their nursing degree programs available for online students while other online universities are offering various online nursing programs to those who are interested in nursing careers. Nurses who are interested to advance their career to a higher level can take advantage of the online degree program to purse a bachelor or graduate nursing degree while continue their current work life.

While the demand drives more nursing degree programs being introduced in online education format which provides more choices for students to choose one that best meet their needs, there are a few factors you need to take into consideration when deciding to pursue a degree online; one of them is “diploma mill”. Diploma mills are those who offer fake degrees or degrees that are unrecognized in job market need to be avoided with your best efforts. The best way to avoid yourself being a victim of diploma mills, you are advised to only consider online nursing degree programs offered by national or regional accredited schools.

The bottom line is online degrees provide a better option for nurses to pursue an advanced degree and nurses should take advantage of it to become a better educated health professional that benefit both the community and their own career future.

Which Is More Cost-Effective, Cabs or Car Rentals?

Rent it or cab it?

People like the freedom of having their own vehicle to drive about in, at home or when they travel, and the tendency is to book a rental car when you are away. But freedom comes with a price and it depends where your travel destination is as to whether you’re best to rent a car or take a taxi.

Cheap ground transportation depends upon location, accessibility and extraneous expense factors, like gasoline costs and parking fees. Add to that the potential complexity of finding your way around a strange city, especially a large one, and you might change your mind about what freedom means.

A trip to, for example, New York City or Montreal, two North American cities with decent public transit systems, plenty of cabs, walkable areas in their cores, and very high parking fees, and you’ll realize that a taxi will almost inevitably surface as the cheapest mode of getting around.

But what if you want a day trip to the Laurentian Mountains or the antiques stores of Hudson? That’s the day to rent a car, or to find out if there is a luxury coach service to those destinations that returns the same day.

Car rentals are convenient, to be sure, but the costs add up quickly (don’t forget insurance and occasional peak-season added fees), unless your airline points cover all or most of the cost; even then, in large cities gasoline and parking is very costly, and that is not usually included in credit card or airline rewards perquisites.

When does a rental car make sense? If you live in North America (and can’t drive across the Atlantic Ocean!) and are vacationing in Italy, for example, landing in Rome and taking a motorcar tour of Tuscany and other regions from there, your only other viable option is the train. Like anywhere else, gasoline in Europe is expensive, but you can’t take a full driving holiday in a taxi. But don’t forget, there are guided tours and some taxi drivers will gladly spend a day with you, exploring San Gimignano; they are often the best tour guides, full of information about their homeland. And driving in other countries can be a harrowing experience, especially if it involves driving on the opposite side of the road than you are accustomed to!

Plan your itinerary, do an accurate cost comparison and decide whether a taxi or car rental, or combination of the two, is the cheapest way to get around when you reach your destination. And don’t forget to ensure that your driver’s license is current, and if you need to, get an international license before you set off for your trip. Happy motoring!

Ways To Stop Smoking Permanently by sigarette elettroniche

A lot of smokers want to stop and you might be looking for information on how to stop smoking having made previous unsuccessful attempts sigaretta elettronica.

It is not uncommon to be in this position as stopping smoking cigarettes electroniques is not easy and you need to really make a very firm decision to do so. It may help to write down why you to want to quit to remind you when the going gets tough.

The difficulty with stopping smoking cigarette electronique is there are both physical and mental addictions to beat and beating the physical addition is the easy part (relatively).

People smoke because:

• It is a pleasurable experience and relaxes the smoker.

• Smokers have developed an unconscious link between certain activities and environments and smoking elektronisk cigaret.

• They have an addiction to nicotine.

As an alternative to quitting smoking you might think about using electronic cigarettes(elektroniske cigaretter). People have used these to stop smoking although they are not marketed for this purpose but they do make smoking cheaper, cleaner and harmless to others. You can also choose how much, if any, nicotine they supply.

Some of the possible approaches to stopping smoking are:

Cold Turkey

This is the simplest and cheapest method but not the most successful. You pick a date and from that point you no longer smoke. The initial period is very difficult so you need to be very strong minded to be successful. The success rate is estimated to be between 5% and 10%.

Alternative Sources Of Nicotine

Products such as nicotine patches or gum are used to replace that previously received from cigarettes. They deliver a controlled dose into the body to relieve some of the withdrawal symptoms. There is a lot of variation in the claimed success rates but for nicotine replacement used on its own they vary from 7% to 35%.

Stop Smoking Medication

Medications (such as Zyban) help relieve withdrawal symptoms without the use of nicotine but are intended for short-term use only. There are also homeopathic remedies (such as Smoke Deter) which do the same thing.

Various Therapies

You can learn how to modify your behavior to break habits that lead to smoking and how to stay motivated to quit smoking. In fact it is very difficult to stop smoking without help and support and any sort of counseling or organized program will help considerably.

Quit Smoking Hypnosis

When considering how to stop smoking, hypnosis should be taken seriously as it has success rates of up to 50%. Quit smoking hypnosis is based on reprogramming the subconscious mind to stop associating smoking with pleasure and relaxation and to substitute some other behavior. It can also be used to remove conditioned responses so the smoker loses the urge to smoke when in the environments that used to trigger it.

Hypnosis will not work for everyone, but it is well worth trying.

Best Option

Trying to stop smoking on your own is very difficult and likely to fail. Support of some sort will increase your chance of success considerably and it may be that taking something to help with the nicotine withdrawal, combined with hypnosis or behavioral therapy to address the psychological addiction, is likely to give you the best chance to stop smoking for good.

Healthy Diets Specifically For Teenagers

Individuals in their teens need more concern when planning their food habits. It’s critical that as a teenager that you get all the nutrients you need as you are still growing, however to prevent problems some time down the track, it can be necessary to consider doing something about it if you are overweight. Then what are the criteria for a correct food regime for adolescents? Read on for an overview…

It is always important that you eat healthy especially during your teenage years. Similar to adult diets though, losing weight can be accomplished via a calorie deficit. That is, compared to what you are taking in, you will need to burn more calories. Of course, this does not mean eating too little! Instead, it involves choosing healthful alternatives that include all the necessary nutrients.

The number of calories that can satisfy a teen’s requirements in the process of their rapid development is pretty much what they’ll continue to take in as they turn into adults: two thousand calories for girls and two thousand five hundred for boys.

Teenagers who would like to go for a slimming program are advised to abide by these basic considerations. Burning off more calories than you consume can not only be controlled by what you eat, but it can also be obtained by being more active and taking up some exercise. It is always advisable to put your safety first, so content yourself with a maximum loss of two pounds a week in order to avoid potential health concerns. By monitoring and changing your diet to eat healthy, reduce junk and picking up a little exercise, you hold the answers to losing weight smartly.

Rather than cutting out food, change your focus to choosing healthier food options. As opposed to drinking lots of soda, switch to water instead and you will be surprised just how many calories you have reduced! Have large amounts of fruit and veggies, as they are rich in nutrients.

Computer games are a lot of fun and can keep you hooked for hours at a time. Try to ensure that you have a break from these and do something active. It is recommended that you take part in school team sports or work out at some health club. These can be fun and you won’t even notice that you are helping yourself lose weight in the process. You should aim for 30 minutes of exercise, 4 times a week at least if you want to start seeing a change.

Quick fixes like severe limitation in the amount of food you consume are not suitable solutions for the majority of teenagers, unless their obesity is extreme. Since such fixes might negatively impact your health at a later time, stay away from them. You have a young body and the negative effects might not be visible when you first use them, but given a few years you might discover conditions caused by such choices.

Some eating habits are not suitable for adolescents. The Atkin’s low carb diet for example is one that teenagers should avoid. It cuts out a major food group and doesn’t support a healthy eating plan option whilst encouraging an increase of fat content to lose weight which could be damaging to a teenager.

The South Beach Diet is a finer choice because it doesn’t exclude low GI carbs, enabling you to have foods that belong to all groups.

For young people with ages between 8 and 16, a unique food regime was tailored with their needs in mind as a part of the Zone diet. It is made up of a special ratio of proteins, fats and carbs in its compilation of 3 meals and 2 snacks each day.

Even though the Zone diet and the South Beach diet are claimed to be appropriate for teens, experts prefer other alternatives. In order for the youth to develop properly, the right method is to eat healthy and work out regularly so that their bodies become balanced.

Here’s some good news for those with more dramatic slimming needs out there. Consider a teen diet camp. The advantage of such camps is that you’ll find people there who are trained to motivate and guide you through the dieting process that’s suitable for your goals. There you can be sure you will have to stick to proper nutrition and workouts throughout the duration of the camp. With camps located in the US, Canada and the UK (google it if you require another country), some camps claim that you will lose 4.25lbs per week. It is true that for most teens no more than two pounds per week is advised, but these places are different, since they provide specialized personnel to guide you.

In conclusion, while there might be various ways to reduce weight, the ones that teens will benefit from are those that rely on maintaining a healthy diet and workout. Once you change your diet approach to incorporate it into your lifestyle and throw in a little exercise to boot, you will never have to worry about gaining weight again once you have reached your target.

Home Buyers and Sellers Real Estate Glossary

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Shopping For a Petite Body Frame

When it comes to fashion, a significant part of looking good has to do with dressing for your body type. After all, the most fashionable of clothing items simply won’t do justice if placed on the wrong body. However, while assessing one’s body type with relation to clothes shopping often has to do with specific features of the body – such as the width of the hips, or the length of the legs – some ‘body types’ can come to mean various things; the ‘petite’ body being one of them.

When people come across the word ‘petite’, they often immediately think of a person with smaller dimensions all over – whether it’s in their height and weight to the length of their limbs and torso. However, while the word generally refers to someone who is 5’4″ or shorter, many dimensions can still vary greatly. For instance, many petite people have long torsos and short legs, or vice versa. What’s more, weight can vary significantly from one person to another, with dimensions in features such as hips differing just as much.

For this reason, it’s often challenging for some people to find clothing that fit them well. A petite person will often have to shorten the legs on trousers or the seams on dresses due to their height. However, if they opt to shop for generally smaller sizes for height, they might end up with smaller clothing dimensions for features such as hip width – which isn’t always ideal. So what’s the best way to go about shopping for a ‘petite’ body frame?

It helps to seek out stores that offer specialised departments for petite sizes. Doing so can take a lot of the effort out of searching for sizes, and enable you to focus more on finding fashions that you like. Of course, even petite departments will have a lot of variance in sizes due to the fact that the term can apply to people of various body dimensions.

Once you’re shopping for the right sizes, it helps to keep a few tips in mind with regard to the look you’re trying to achieve. Therefore, try going for high-waisted, figure hugging trousers to elongate your legs; however, if you choose to wear low-rise trousers, ensure they’re not too short. Another way to make your legs look longer is to wear high-heeled boots (not too high though – 5 cm max will do) with short dresses and skirts that fall anywhere above the knee.

Wearing similar-coloured tops and bottoms – as well as wearing a belt that’s the same colour as your skirt or trousers – will help elongate your silhouette too. If you like prints then opt for small, vertical prints and motifs, particularly avoiding horizontal stripes. And don’t wear oversized accessories such as large jewellery pieces or sunglasses – you want to ensure accessories stay in proportion with your size. If you want to look taller, you can try wearing buttoned shirt dresses or tying long, skinny scarves loosely round your neck. You can also put your hair up in a bun or wear a headband to elongate your top half.

When it comes to shopping for petite clothing there are many ways to achieve the look you want. However, be sure to keep some specific shopping tips in mind in order to help you look your best in a wardrobe that’s right for you.

Substitute To Smoking Electronic Using tobacco(elektroniske cigaretter)

It is a new invention that everyone who smokes should know. This is called the (cigarro electronico), also known as a smokeless cigarette e-cigarette(sigarette elettroniche), and it is to change the legal landscape for cigarette smokers in the world.
The patented Electronic Cigarette(elektroniskas cigaretes) offers to effectively simulate the experience of smoking a real cigarette, without any of the legal and health issues surrounding traditional cigarettes.

While(elektronines cigaretes) look, feel and taste much like traditional cigarette, they work very differently. You see, do not burn tobacco, but when you inhale an e-cigarette, you must enable a “flow censor,” which releases a vapor containing nicotine, propylene glycol and a scent that simulates the taste of tobacco. All this simply means that the(cigarros electronicos) allow you to get your dose of nicotine while avoiding all the carcinogens in traditional cigarettes such as tar, glue, hundreds of additives and hydrocarbons.
In addition to being healthier than conventional cigarettes, and perhaps most important, is the fact that(sigarette elettroniche) are perfectly legal. Sincse the cigarro electronico) is not related to tobacco, you can legally burn them anywhere that traditional cigarettes are prohibited such as bars, restaurants, workplaces, even airplanes. In addition, e-cigarette(cigarettes electroniques) you can smoke without fear of harming others because of cigarette(cigarro) smoking bad.

Cartridges are available in a wide variety of tastes and strengths of nicotine. For regular, menthol, also the apple and strawberry flavor cartridges and nicotine strengths come in full, a medium, light, and no. While elektroniskas cigaretes) are technically “alternative to smoking”, rather than smoking cessation device, the range of nicotine strengths offers clear opportunities to support those trying to quit smoking, and seems to be proving to be popular in these markets.

The nice thing about that you say, nicotine patches, that give the same tactile sensation and oral fixation that the desire of smokers, while satisfying the desires of snuff as well. When you take a drag n electronic cigarette really feel your lungs fill with smoke flavored snuff warm and the waves of smoke exhaled from your lungs as the regular snuff, however, as mentioned, the smoke is actually a lot more water vapor that evaporates quickly heals and not offend anyone in the vicinity.

Although the have been around for a while ‘in various incarnations, is of recent developments in technology and increased restrictions on smoking that have led the e-cigarette can be found in the new popularity. If you are interested in a healthier alternative to smoking, or if you just want the freedom to smoke wherever and whenever you want, the electronic cigarette could be the solution you’re looking for.

3 +1″ accelerate industry concentration

According to statistics, one quarter of the 17 key projects have been settled in high-tech zones, with a total investment of 26.6 billion yuan. Around the “3 +1″ Key industry development plan (electronic information, biology and medicine, high-end equipment manufacturing, modern services), a group of high growth is accelerating the concentration of industrial projects, industrial structure gradually clear. Global industry giants have settled

The first quarter of this year, high-tech zones to attract foreign investment projects 6, a total investment of about 2 billion U.S. dollars. Among them, U.S. TRW Automotive Safety Systems, Alstom shock absorber systems are 500 investment projects in the world, but also high-tech zone management system to adjust the first time since the introduction of the Global 500 project.

U.S. TRW Automotive Safety Systems The total investment is $ 20,000,000, the production of brake pads from the use of the depth of mold processing technology, can greatly reduce the vehicle noise vibration and improve the drivers comfort. Metal containers item has the world’s largest manufacturer and supplier of metal packaging containers, the U.S. Fortune 500 companies owned Boer set up a total investment of $ 75,000,000, is expected annual sales income of about 5 million yuan, annual profits and taxes 80 million yuan . Integrated Systems Project, Department of Ophthalmology, the world’s cases of the highest rates of ophthalmic electronic medical record software maker owned German company law should be established to introduce high-tech zone is the first German-owned enterprises. Accelerate the growth of high-end industrial chain

In the electronic information industry, the integration of wafer sorting test equipment, Knopp R & D Center and Northern District letter postdoctoral workstation, phase change energy technology industry and other high-tech zone project was officially settled in the northern zone of Jiaozhou Bay.

Among them, the integration of wafer inspection equipment items for sorting by the Friends of Science and Technology Co., Ltd. invested Hanguo Jiang, a world leading patented technology, is mainly engaged in professional LED wafer inspection equipment, test instruments, such as product design, development, production and sales. Settled in the project area for the elongated high-tech LED industry chain and promote high-end industrial projects of electronic information gathering, and further enhance the characteristics of high-tech industry’s core competitiveness area of ​​great significance. Currently, high-tech zone north of the park of Jiaozhou Bay has TPV rs232 lcd module and LCD modules, LED sapphire wafer production and R & D, manufacturing and high-power LED lighting systems LED industry related R & D projects and a number of landing. On this basis, high-tech zone in the semiconductor, IC design, LED as a key investment characteristics of high-tech zone with a complete electronic information industry chain is accelerating the formation.

In biological and pharmaceutical industries, has been the introduction of the blue biomedical industry park, bio-oligosaccharides, DC and CIK in vitro reagent blue biomedical industry projects with a total investment of 1.719 billion yuan. Among them, the Han and Tang Dynasties biochip, blue Biomedical Park incubator, Wah Yan stomach, bio-oligosaccharides four projects have started construction, clean room project orthopedic medical device has been decorated.

Advanced equipment manufacturing sector, which have been settled in the U.S. TRW Automotive Safety Systems, Alstom shock absorber 2 projects, metallurgical equipment, automatic transmission assembly base, tile line cadre integration, chip capacitors and other three projects have been formally signed . Last year, heavy truck started some of the equipment has special vehicle project approach, the ongoing internal and external decoration. East China Machine project was basically completed the first phase, second phase will soon officially started. Heino auto parts business up for projects completed and projects for the record, is about to start construction. Ren machine completion of the project land auction, geological exploration, the ongoing planning and design. Today a group, sub-Mastery, HTC Nile season, ranking a number of new Chengzhi Zhuo settled in Qingdao High-speed train industrial base supporting enterprises will soon have started construction.

Modern services sector, in the city last year started construction of the Shimao complex, technology services and a number of leading financial center, on the basis of the project, Wah Yan venture capital, R & D company in Qingdao Heng Anderson boats and other projects have settled down. The compound began to show hatch features a large

The industrial compound incubation function of a large high-tech zones in the increasingly prominent.

Not long ago, held high-tech projects focused on high-tech zone signing, CMA Engineering Research Center meteorological optical engineering center located in Qingdao High-tech Zone, mainly in our cloud, day, can detect devices and solar observing station equipment R & D and industrialization and enhance our level of technology related field equipment. Optoelectronics Research Institute Chinese Academy of Sciences, Qingdao introduced energy-efficient lighting system industrialization projects of things, will set up an electronic light source technology research and carry out integrated circuit design, packaging and testing to product application development, an annual one billion integrated circuits / modules units of production, and promote the development of optoelectronic integrated circuit industry. At present, the Chinese Academy of Sciences, Qingdao R & D base 4 million square meters of the main cap earlier, the introduction of a highly talented team of 60 people, set up a laser detection, spectral imaging, optical information, electronic light source 4 Research Center, registered in the Bureau of optical measurement, spectrum in the Division, the National Science optoelectronics, such as in Section 4-day high-tech companies for the first time commitment to 863 projects.

Up to now, Qingdao University of Science and Technology Parks Corporation, the national completion of the restructuring, the main park a foundation under construction, is Science and Technology, Ministry of Education officially recognized as state-level assessment of university science park; Qingdao International Science and Technology Park, Industrial Technology Research Institute, Qingdao, Qingdao New Media Technology Park Bangkok High-tech Zone has been settled, the introduction of a number of proprietary high-end industrial projects will be hatching in the incubator and pilot.

Quit Smoking(elektroniskas cigaretes)- Have You Kept Your New Year's Resolution?

I guess the holidays are a time of reduced stress and anxiety and then of course time to quit smoking. How many times have you tried to give up? And each time it becomes more difficult doesn’t it? You need to know that you are not alone: 90% of smokers are experiencing the same pain. Now you can quit smoking safely and easily with Vice-Breaker.™
It won’t happen to me… Many smokers harbour the secret hope that they will be spared the disease and death that follows nicotine addiction. Don’t be fooled: With four million people dying every year due to tobacco use around the world, the odds are not in your favor. Statistics show that tobacco kills more people than AIDS, drugs, accidents and alcohol together. Quit Smoking Now! with Vice-Breaker™
Whether it’s cigarettes(elektroniskas cigaretes), pipe, tobacco or e-cigarettes(elektroniske cigaretter), smoking harms nearly every organ of the body. It’s the cause of 87 percent of lung cancer deaths and is responsible for heart and blood vessel disease, stroke, cataracts, impotence and more. According to a recent report,heavy smoking in midlife more than doubles the risk of developing Alzheimer’s disease and other forms of dementia two decades later. And, an epidemiological study that compared the average lifespan of 34 000 smoking doctors with a similar group of non-smokers, showed the smoker’s lifespan was reduced by 11 minutes for every cigarette(sigarette elettroniche) smoked!

A very recent study concluded that women who smoke from a young age are at greater risk of developing breast cancer. Moms-to-be need to know that women who smoke have a greater chance of certain pregnancy problems or having a baby die from sudden infant death syndrome (SIDS). And exposure to smokers is still a major cause of asthma attacks in kids. Quit Smoking Now! with Vice-Breaker And did you know that every time you light up you are inhaling a lethal cocktail of more than 600 additives as well as nicotine? Tobacco companies had been allowed to put additives in cigarettes(sigaretta elettronica) for over 30 years without any public scrutiny, its time to quit smoking.

Second-hand smoke Every smoker knows that evidence abounds that second-hand smoke kills and passive smokers are subjected to as much danger as smokers. Now there is even talk of the danger to health of third-hand smoke found in the curtains and upholstery in smoking areas.

Quit smoking aids There are numerous quit-smoking aids on the market, from hypnosis to drugs to nicotine patches and gums. Electronic cigarettes(elektronines cigaretes) are popular, just like the nicotine patches and gum, qualify as a smoking alternative, not a quit aid. e-cigarette (cigarros electronicos) do not cure the addiction or the habit. It is counter-productive to substitute a nicotine delivery device that looks, for all intents and purposes, just like the cigarettes(cigarro electronico) we are working so hard to break free of. They are largely untested and the amount of nicotine in them can vary, as well as other possibly harmful chemical ingredients.

So what do I recommend? Only 100% Uncategorized herbal anti-smoking remedies whose safety has been confirmed. They are usually formulated to help reduce nicotine cravings and reduce the symptoms of nicotine withdrawal, such as stress and irritability. Vice-BreakerTM, is such a supplement, with the added benefit of cleansing the lungs at the same time. Because of its impressive track record, safety and efficacy, I have seen to it that Vice-Breaker™ is available in South Africa.

Weight gain Many smokers are concerned about weight gain after quitting and use this as an excuse not to quit. You’d have to gain a very large amount of weight to offset the many substantial health benefits that a smoker gains by quitting. Watching what you eat and going for a 30 minute brisk walk daily will ensure you quit without gaining much weight.