Most people get Real Estate wrong for two simple reasons.:

1. They don’t understand the difference between an asset and a liability
2. They don’t understand the difference between investing and speculating

The broke majority live under the misguided belief that their family home is an asset. An asset by definition is Something valuable that an entity owns, benefits from or has use of, in generating income. The key is the words generating income. By that definition your home is not an asset, it is a liability. It does not generate income, it costs you money.

The broke majority will borrow as much as they possibly can, to buy the most expensive home they can afford, in the mistaken belief that this is a good investment. In fact they are are burdening themselves with the worst kind of debt. Long term, expensive, non-deductible debt that produces no income in return. The same kind of debt that lead to the housing collapse in the USA.

Successful investors understand this crucial point. Your home is not an investment.

The Business Dictionary defines an investment as Money committed or property acquired for future income. Now some will argue that an investment doesn’t have to produce an income and cite as an example gold bullion, collectibles or share futures contracts. By definition, none of these are investments, they are items of speculation. They can go up in value or, just as easily, go down. You are speculating on the future trade-able value, not investing in the inherent value of the income an asset represents. Tens of thousands of homeowners around the world discovered in 2009 that home values can fall and can fall dramatically and disastrously.

If you buy a house to live in with no income return expected from it, but in the hope it will increase in value, you are speculating not Investing.

If you buy a house to rent out, you are investing. The Australian government has long recognised the difference and that is why they allow you to claim the expenses relating to a rental property, including interest payments, as a tax deduction but do not allow any deductions for expenses incurred in buying a house to live in. In other words, the government is willing to share the risk of investing in income generating real estate because the risks are lower than tying up your money in your home.

Smart investors have a small or no mortgage on their own home and the majority of their borrowings are for rental property because that is the lowest risk strategy. They also get the best advice they can on quickly reducing the mortgage on their home.

The Hacienda Tres Rios Resort Spa & Nature Park was honoured at the 2012 World Travel Awards Caribbean and Americas Ceremony after it received a coveted award in the All Inclusive Category.

The luxury resort was honoured for providing tourists with luxury all inclusive Cancun holidays and the property was named the best in the business across Mexico and Central America.

Over the years, the eco-friendly Cancun resort has received many accolades including World Travel Awards, the TripAdvisor Certificate of Excellence as well as many green awards and certifications.

Located in the beautiful Mexican Riviera Maya, the Hacienda Tres Rios Resort Spa & Nature Park is one of the most nature-friendly and sustainable Cancun hotels.

The World Travel Awards give out awards to exceptional businesses in the travel industry according to information collected from a survey carried out across 167,000 travel agencies, industry professionals and members of the public from over 160 countries.

Hailed as the Oscars of the travel industry, the World Travel Awards recognises companies with the highest standards in quality and service across the travel sector.

The President and Founder of the World Travel Awards, Graham E. Cooke, spoke at the WTA ceremony and said: Winning this award is the best compliment one in the travel industry can receive. It is the representation of all the hard work and dedication to excellence that you have all been striving to achieve.

Tourist enjoying holidays in Cancun at the Hacienda Tres Rios Spa & Nature Park Resort can enjoy beautiful, tranquil, natural surroundings within the Tres Ros Nature Park which features 326 acres of landscapes comprising winding rivers, fresh water springs, an estuary, rolling sand dunes and a pristine white sand beach.

During Cancun holidays in the Riviera Maya, holidaymakers will have access to the resorts premium spa that offers the unique temazcal bath experience, a modern fitness centre, two swimming pools, gourmet restaurants, a Kids Club, and a nearby private yacht club and equestrian centre.

Accommodation at the hotel includes 273 spacious hacienda-inspired suites that feature Jacuzzis, Mexican marble floors and bathrooms, terraces or private balconies, air conditioning, flat-screen TVs with satellite, DVD and CD players and high-speed internet access.

There are plenty of fun and relaxing activities to enjoy when planning holidays to Cancun at the hotel; such as guided eco-park tours including snorkelling and diving in the rivers; bird watching in the lush nature reserve; cocktail lessons and cooking classes; Yoga, Pilates, Zumba, and meditation classes; and music, casino nights and entertainment shows for guests of all ages.

The PBX auto attendant is the vital component of this sophisticated phone system. It helps business offices streamline their business telecommunications in a very effective manner. The innovative PBX auto attendant handles all incoming calls efficiently and provides callers with a superior and professional communication interface.

Feature-rich Auto Attendant

The VoIP PBX auto attendant greets callers professionally using recorded customized greeting messages. It offers them a list of options to reach the person or department they want. These include dial-by-name, dial-by-department, dial-by-extension and so on. Depending on the callers choice, calls are quickly redirected to extensions, conference rooms, call queues, mailboxes and groups. This system can manage numerous calls coming in simultaneously and routes calls without giving off line busy signals. This reliable call answering system helps you save the expenses involved in maintaining additional reception staff. The core features of the VoIP PBX auto attendant solution include:1-to-5 digit extensionsFind-me/follow-me call forwardingMusic on transferVoicemail to emailDo Not Disturb modeFax to email

Easy to Connect to Remote Extensions

To ensure small and medium businesses round-the-clock telecommunication facilities, the PBX auto attendant performs systematic call routing even to remote extensions. The advanced find-me/follow-me call forwarding allow calls on your primary business numbers to be easily transferred to your personal landlines, cell phones or other VoIP phones assigned as extensions. This helps you to manage your business from anywhere. If all extensions are busy, calls are quickly routed to the voicemail system where callers can leave voice messages. This eliminates the possibility of missing important calls. Important benefits of the virtual PBX auto attendant system are:Minimizes caller on-hold timePrompt response for all incoming callsImproves staff productivitySaves time and money

Pick the Right Auto Attendant Package

Small and medium-sized business offices can enjoy the features of the virtual PBX auto attendant without having to invest in premise-based equipment, software packages and complex networks. The service provider maintains all the necessary equipment and offers installation, upgrades and maintenance. A reliable service provider can help you to pick the right auto attendant package, as well as help you configure and personalize to suit the specific telecommunication needs of your corporate office.

Hairs are an important part of a human body it gives shape and look to body. The natural shine of hairs is necessary to maintain the beauty of our body. Whether you are a male or female hairs are important to maintain the beauty of the body. Hairs are very important for women. Every one of us wants their hair to be healthy, shiny and beautiful. Women are too conscious about their hair. By having long and beautiful hair women shows their identity and measures their appearance among others. Major problem affecting hair is due to dust, pollution, irregular use of shampoos. Due to this hairs have lost their shiny, elasticity, and strength. Different experiments on hairs like coloring, bleaching and washing hairs again and again and also using the contaminated water has reduced the growth and shine of the natural hairs. It increases the problems like hair fall, dandruff, and rough hairs.

Healthy hairs are the pride of human being. Many of the human being lost their natural hair by using the duplicate products launched in the market. So as to maintain strength and rigidity of hair always use branded product available in market. Many people like to color their hair to show new appearance according to new fashion trends. They like to use colors like red, blonde, and Darker Hair Colors in their hairs. It means anyone who needs dark and beautiful hair color, can easily change it. The only need is a good hair dresser who can understand the need of customers hair, rules and trends to color the hairs. It is important to get the hairs colored by a specialist who can easily color according to the likes and the latest fashion trends. Those who believe in changing their hair colors with the changing fashion trends can different hair colors which are known as temporary hair color. It means that hair can be colored according to fashion trends for few days.

Most of the working people do not have much time to spend on hairs but want proper care. So these hair colors on temporary basis give a new look to their hairs. It also makes their hairs more healthy and fit. It gives a sense of pride and confidence in an individual personality. By coloring hairs on regular basis protect their hairs from sun rays and other radiant caused due to dust water and pollution. Hairs need special care because it is the essential part of the human body. Finding a hair dresser that knows the exact Temporary Hair Color that would suit your hair and could retain the shine and health of the hair is a bit difficult. Due to the globalization of most of the businesses this has also become easy.

People play games and sports to dissolve their tension and any other stress related to work or personal life. Moreover, people who watch sports and games also consider it to be a great way of releasing anxiety. But, what about cheerleaders? They act as an add-on advantage in every sport. Cheerleading has been popularly known for cheering up all the sportsmen and even the viewers during a tense situation.

It was regarded as one of the most successful advertising ideas for promotion. Now, the concept of cheerleading has enhanced drastically and it is deemed to be a sports activity by itself. Girls being the center of attraction in such an activity, it is important to retain the style and fashion while supporting the players and entertaining the audiences.

This phenomenal act performed by girls in sports is now taken as a career initiative as well. Be it a college sports day or a regional or national level competition; cheerleaders are highly appreciated for their supporting performance.

In order to promote cheerleading as a professional job, several web directories, forums and sports communities based on cheerleading have done their bit. Over the internet, this is one of the main reasons behind the sudden popularity of cheerleading.

Considering it to be a great money-making process, there are many companies that sign contracts for cheerleading. Earlier, these companies used to make outfits for the cheer leaders, but now they no longer make it. The question arises, how can the sport event organizers get eye-catching cheerleading skirts and tops? There are instances where these organizers have the best idea for a cheerleading uniform design, but due to the lack of manufacturers, they cannot put it into effect.

Now, the answer to that question has emerged in the market thanks to the fame and glam of cheerleading. There are various organizations that provide various cheerleading accessories and outfits. So, they can contact these organizations and avail of the great designs for their show.

Various companies have also made an online presence due to the growing internet demand. They have displayed their wide range of cheerleading costumes like soffe shorts, camp skirts, cheerleading socks and shoes amongst others, enabling sports coordinators to choose the best according to their requirement. Other than that, organizations are committed to offer high quality cheerleading apparels that would stand out in the crowd and even draw the attention of people towards the cheerleaders.

Cheerleading uniforms are reckoned to be the most important facet as cheerleaders need to look elegant to amuse the masses and encourage the players to give their best. If you have noticed the cheerleaders in a sport event, they are nicely dressed with harmonizing cheerleading shoes and cheerleading pompoms. Yes, pompoms are the commonly used accessory while cheering. All these costumes and accessories can be available at the lowest prices.

Cheers for cheerleaders and their cheerleading tactics in a sport or game!

Folding room dividers very first originated in Asia, a lot more particularly in China, as early as the 7th century. These sorts of room dividers had been observed in several various sizes, from very huge so that you can be fitting for significant palaces and had been utilised by royalty, down towards the smaller sizes that had been employed extra for decorative purposes on tabletops as well as other types of surfaces. Fold room dividers are produced of 3 or far more panels that had been attached together. The designs of these types of dividers are usually intricate, so significantly to ensure that they became to be recognized as attractive decorative pieces also as for the function of privacy.

As history and style progressed, these types of folding room dividers had been no longer utilized just for dwelling purposes. As much as nowadays, they are able to be noticed in several places like hospitals, restaurants, as well as in corporate offices. Needless to say, the style which is becoming employed could have already drastically changed, but the major purposes for the dividers are still the very same.
When acquiring folding room dividers, you must appear at a couple of attributes that can have an effect on your buy. There are several diverse styles and supplies which are becoming applied within the creation of these sorts of dividers. Probably the most typical 1 nowadays are those which are created of plain wood. Be it dark wood or some thing light colored like cherry maple, room dividers produced of just wood will forever stay a classic. Obviously, you will discover also those which can be created of glass. These types of folding room dividers are typically framed employing metal, and come in numerous colors and glazing. It can be inside the glaze that the designs generally differ in.

In case you wish to go using the much more classic type of folding dividers, you can find surely a great deal available that still function the original style of Chinese art. Among the most typical designs is those that function a dragon or numerous dragons on the panels. In Chinese culture, dragons represent strength, masculinity, and growth. It thought to be by the Chinese as the king of all of the other animals, which is why it can be probably the most depicted animal in Chinese art in common, not just in folding room dividers. Other sorts of animals which can be commonly noticed in conventional Chinese folding dividers are the peacock, the horse, along with the eagle.

No matter what style or material you make a decision on for the folding dividers, you happen to be unquestionably generating an excellent choice in purchasing 1. It’s going to undoubtedly add a touch of class and culture to any room which you may perhaps determine to location it in.

The Tourism Development and Investment Company (TDIC) has announced that the Eastern Mangroves complex in Abu Dhabi is on schedule and is expected to be fully operating by the end of 2012.

The new complex will feature a five-star hotel for tourists taking Abu Dhabi holidays, as well as a number of residential buildings and a 30-berth marina.

The TDIC is developing the complex and the first phrase the Eastern Mangroves Hotel and Spa by Anantara – is due to be completed in June. The residential buildings and the marina are scheduled for completion in the last quarter of this year.

The Eastern Mangroves Hotel & Spa by Anantara is set against the citys eastern mangroves and has 222 spacious rooms and suites. The rooms are equipped with modern amenities including air conditioning, in-room entertainment systems, flat screen televisions, and Wi-Fi internet, as well as bathrooms with rainforest showers, bath tubs, and Anantara bathroom products.

The Director of Operations Middle East for Anantara Hotels, Resorts & Spas and the General Manager of Eastern Mangroves Hotel & Spa by Anantara, Michel Koopman, explained: “This is really about the quality, not the quantity. It’s about positioning and the quality of the restaurants and the spa. For me, it’s a hotel for a pampering weekend. It’s not a hotel for big tours or big MICE [meetings, incentives, conferences and exhibitions] events. It’s not that.

“Our focus is on the quality of the experience and the long-term positioning of the hotel. Our focus is not to fill it up, but to make sure that we have the right clientele in.”

Facilities at the one of the newest Abu Dhabi hotels include the Pachaylen restaurant with Thai dishes; Ingredients, the all-day restaurant that offers international cuisine and two outdoor terraces; the two-level Mangroves Lounge where guests can relax and enjoy holidays in Abu Dhabi with a refreshing cocktail; and Impressions, the roof-top bar that offers comfortable sofas and views overlooking the city and mangroves.

During holidays to Abu Dhabi, guests can indulge in the Anantara Spa where they can enjoy a wide selection of signature Anantara treatments, a traditional Turkish hammam, steam and sauna facilities, and separate male and female areas.

The luxury Abu Dhabi hotel has an infinity pool and terrace, prayer rooms, a modern fitness centre, a business centre and Majlis, a ballroom, and a boutique shop.

be compared to a blunt axe. As an axe without sharpness does no good, so a human being without education cant do any good either to himself or to the society. Education shows us the way to acquire knowledge which is a combination of creativity, righteousness, courage and indomitable spirit. Education is also needed for forming a strong character and to fight with the negative impulses. Education illuminates our lives and also spreads its beam in and around us.

In a country like India, where a good percentage of population dwells below poverty line, the enforcement of Right to Education Act proved to be a blessing. As this Act provides for free and compulsory education up to the age of 14 years to each and every child of the country, the number of school goers have increased, especially in the government schools of rural India. The Indian Government has taken some other measures as well to offer a secured future to its children. But even after all these efforts; many people have raised questions regarding the authenticity of such implementations.

Defeating all the negativities, the Indian education system has proved its worth internationally. The present President of the Unites States of America, Barak Obama, addressing a town hall meeting at Costa Mesa in California stated that the USA needs to raise their standards to compete with the students of India and China. The two most populated countries of the world, India and China, have a very well structured education system.

Apart from Government initiatives, the private schools also have contributed a lot to put India in such a position. In India, a number of schools are run by private trusts, or sponsored by an international Board, or is run by the Christian Mission. Many of these schools have set examples by providing education of high standard.To sustain a constant development, the schools are also implementing new measures in the education system.

OnlineSchoolAdmissions.Com has also forwarded its helping hand towards the parents of the country. It enables the parents to search for best schools in India and also empowers them to apply online for those schools. This portal is developed after a long research to suit the needs of the Indian parents. Because of OSA the parents can now give their value time to their kids who need it the most for development.

The writer of this article is a school advisor in OnlineSchoolAdmissions and provides free of cost consultancy to parents on school admissions. Parents can look for schools directory list on the site from where they can search for schools in Ahmedabad or schools in Hyderabad where they can admit their child. They can also search for list of schools in Hyderabad as per their choice and can fill up schools application forms online.

Discount code: “montresen87” to buy from www.montresen.com can save a Replique Jaeger LeCoultre lot.This is a Replique Hublot full in-home manufactured watch with each major construction, plate, sub-system and meeting meticulously conceived and made. The caliber 2896 is tailor made with the brand’s exquisite techniques and creative considering, not basing on any movement blank or ebauche.

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Discount code: “montresen87” to buy from www.montresen.com can save a lot.This have to be one of the coolest watches in the world. Because you can call a helicopter to select you up when activating the constructed-in radio transmitter. What a watch! Replique Longines Because of this they are referred to as Omega Emergency watches. Omega is always proud to be the posh watchmaker that produces “devices for professionals”. The Omega Emergency watches are just one in all such Replique IWC typical watches that characteristic sturdy skilled style. Tailor-made for pilots and air-crews, the Emergency contains a microtransmitter broadcasting on the 121.5 MHz misery frequency, which is monitored by Cospas-Sarsat, a world search-and-rescue operation.

Gatorade NBA All Star slam dunk contest

Participants: Dominique Wilkins, Michael Jordan, Terence Stansbury, Clyde Drexler, Darrell Griffitth, Larry Nance, Julius Erving, Orlando Woorlidge

At 1984 dunk contest Wilkins was robbed because he deserved not only to be in finals but to win it all. So in 1985 he was hungry for dunk title. But rookies Michael Jordan and Terence Stansbury had its own plans. Wilkins made all kind of powerfull windmills and behind the back dunks as he advanced easily to the semifinals…Sport Stories Of The Decade

Darrell Griffith was and still is the shortest player (6-3) who dunked from the free throw line. His jumping abilities were spectacular. Julius Erving also made his signature free throw line dunk but Jordan made more attractive one. Air Jordan sealed tape at the free throw line an then took off from that exact positon to made even better dunk than originator Dr.J…Sport Stories Of The Decade

Terence Stansbury made sensational dunk as he took off from one foot and did 360 spin dunk. He also did spectacular behind the back jam at full speed. Best dunk of the semifinals was Air Jordans rock the craddle imitation. He made 180 spin and dunked rock the craddle with so much grace and finesse.

Jordan and Wilkins advanced to the finals. Dominique continuded his arsenal of power dunks. Jordan made only one good dunk and Wilkins easily won the title. But the story of the night was Michael Jordan. Wearing red Nike Air Jordan I shoes and gold chain he had shown unbeleivable jumping abilities combined with tremendous body control. Wilkins was much more explosive but Jordan had more finesse. He was more like an balerina than tipical dunker. Suddenly Dr.J became too old and Air Jordan became new hero.

AMAZING SPORT STORIES