Archive for the ‘Real Estate’ Category

Real Estate And Retirement}

May 19th, 2018

Real Estate and Retirement


Tymone Oaklin

Most people are always on the lookout in finding ways to increase their retirement income. One of those ways is their homes which is their greatest assets. A lot of older people failed to plan effectively to have a nice nest egg to fall back on and now are looking to their real estate to supplement their income.The problem with this though is that the real estate values are as unpredictable as the weather maybe even more so, especially with the decrease in the real estate bubble. Prices in some cities are flattening while others are falling. So this is a big problem if you are trying to get the most from selling your home to supplement your retirement income.To plan effectively you must be realistic in what price you may get for your home. Because of the up and down market of real estate it is best to probably go by the traditional real estate market when valuating your home, with gains in value equal to the inflation rate. If the gains in real estate values are better than the inflation rate, then you will have more. But it is best not to count on this.You want to get the most out of your real estate as possible. The number of people 65 and older with mortgage debt has nearly tripled, adjusting for inflation. If you are making payments on your real estate in your retirement years this should be a major concern for you as this will deplete your savings and retirement income faster then just about anything imaginable.The 3 main reasons to pay off your real estate mortgage would be to decrease the expenditures in your retirement years. Also, you can use the mortgage interest rate that you will save to add into your retirement fund. Thirdly, it builds more equity, this way you have it as extra income to fall back on later. So paying off your mortgage is a very sound thing and prudent thing to do.

Marti Kougel is a real estate who specializes in the

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Las Vegas Condos

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The Most Popular Sport Betting Strategies}

April 5th, 2018

Submitted by: Alexander Greene

The Roman Empire, first settlers, modern era sport betting together with sport itself became an inherent part of our lives since the earliest times. We can imagine how first fans were sitting next to each other at some sport event and cheering for the team. You perfectly recognize this feeling of anxiety when at home you and your better half put a stake on something that is very important to you both. Anyway, that is just an example how much of the betting is now in our blood and DNA. Generations and generations were practicing betting. The Gladiator fights demonstrated us first organized betting, and also first fixed fights. That is the only thing that can make us annoyed or rich, that depends on the information you may have on fixed game or fight. That is the reality of the modern sport and we must accept it.

If you want to make some money in sports betting, there are some things you have to learn before you sail into this risky adventure. Score tracking nowadays doesn’t mean a lot; you have to put all the factors in your calculation for making the correct bet. Teams play games, players will win or lose because of many factors. You mustnt rely on the numbers only, the home field also can bring the difference, and one injured player can make the difference between losing and winning. We all saw how Argentina lost in soccer this year, even with Lionel Messi. Numbers can be a very tricky thing.

The only thing we can conclude from this is that you need a good strategy to place your bets, cover your losses and win some money in the process. Lets take a look at a couple of betting strategies.

Martingale sports betting strategy

This system is the long term investment, with low and in most cases steady income. Here is the essence of this strategy: if you bet on small odds there will be the small winning. The system of Martingale sports betting is good for beginners because it teaches them how to protect the initial investment and slowly, safely multiply it in time. Also it is popular as steady strategy, and boring one because it teaches us that in $1 invested we should be happy to get $1.20. Totally without any excitement of betting and expectation of the win of your favorite team, or the odds you have put money on. But if you have patience, try it. Maybe in a couple of years, youll become a millionaire if your initial investment was $10.000. Who knows what can happen.

Kelly criterion

This system for betting can also be applied in sports betting. Kelly criterion system is for people who adore the math. Also it is built on odds and winning percentage but is easier for people who know math and excel. Kelly formula for excel can be downloaded with one simple search in your browser and you can start betting. This system also includes Full Kelly and Half Kelly approaches. The chances of seeing how your bankroll gets lower with Full Kelly are equal to 33%, and with Half Kelly – 11%. Anyway, you should bear this in mind if you are even average in math, and you love calculations before placing your bet. I dont love math so I will stay away from Kelly criterion.

Over\Under betting

This is becoming the most popular type of betting all over the world. Sometimes you just cant decide which team is going to win, or the numbers are just not promising money, check this column in the sports section. When you bet on the odds you dont bet against your favorite team. In basketball, this is called the safe bet. Especially in NBA. If you put your money in, for example over 160 points, its not important who wins, your money is probably going back into your wallet, and your nerves are safe even if the favorite team of yours doesnt win. Money is still yours and it just got multiplied. The only thing you want is a lot of points on the court and the ball to go fast through the hoops on both sides. The only thing that can take the money away and your nerves is one point under or over.

Sometimes when you want to bet on your favorite team, reconsider the odds you are proposed. If chances to win are lower than the amount of money you want to put that is the 100% lose in betting. Dont do that! Always look for couple of chances where the percentage to win is over 51%, try not to mix the odds when betting because chances like 55%, 70% and 82% for win will give you a good sum at the end of the day, but one game can cost you all the money if you lose. Tricky business wont you say? Like they say in Vegas, the house always wins.

When you look at the betting strategies online, you may not be happy with all the math equations used in the process of calculating odds for the win. The term Safe bet is never 100% sure investment. Maybe one or two players in the team are having a bad day. That situation can bring the whole team down, and there is no math equation that can predict a situation like this. Some people bet just on luck or feeling, but that never lasts long. If you keep tracking sports events in your favorite type of sport, you always have better chances to fill in the equation with some extra facts. If it rains, quarterback probably will not throw lots of passes to the wide receivers. When someone is chasing an NBA record, other players will give him the ball more often, like Durant in Olympic final game. There have been just too many scenarios we have to calculate before placing the bet.

In the end, we can draw a conclusion: choose your sport and league, be up to date with your favorite teams, and use every system you can. And always put some more factors in the equation before placing your bet.

About the Author: Alex Greene are Senior Editor at Sports Intensity, an online sportsbook review site dedicated to providing objective sports betting advice to the sports betting community. Visit their website at:


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Everything You Need To Know About Real Estate Direct Mail Marketing}

January 2nd, 2018

Everything You Need to Know about Real Estate Direct Mail Marketing


Nick P.

Are you looking for ways to make a strong branding strategy for your real estate business? Then, you must know direct mail is the way to go for.

According to industry experts, direct mail is the most effective tool when it comes to real estate marketing. There are around 430,000 agents and brokers are in the US contributing to 1.4 % of the total working population, according to a report.

Needless to say, to stand out in the crowd and make an impression, you have to follow a different approach and that’s direct mail marketing.

Real estate direct mail marketing is a cost-effective way to get noticed in the listed areas where you want to expand your business. You do not need to worry, as the mails will not see the spam box like email marketing campaigns.

Here, you will be sending postcards, letter or business cards right in front of a customer, which they will definitely read.

Why You Should Care?

You will find the process less competitive and a highly interactive method to generate targeted leads.

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Cost-effective and does not need large budgets like digital marketing, TVs or infomercials.

The process is measurable. You can track the results like how many mails sent or regions targeted to help you know the number of newly acquired leads.

Now, let’s take a deep dive to understand the potential of real estate direct mail marketing better.

Assures Higher ROI

They are cost-effective and the results are worth the cost. Direct mail guarantees an average of 1300% return. No other type of marketing strategy can claim it. Around 37% of the companies in the US say that sending a letter is the best option compared to an email.

Both Buyers and Sellers Prefer Direct Mail

Around 92% of the people under the age of 24 prefer to receive a direct mail and not an email.

Again 53% of baby boomers, noticing a direct mail is much faster compared to an email, billboards, magazine or social media.

Local Markets Feel Highly Satisfied

If you look at the local market, you will find that 81% of the realtors use direct mail. They prefer to work locally in a single area and direct mail proves to be the safest and potential ways to generate targeted leads.

Direct Mail Marketing Tips

Here are a couple of ways you should use direct mail marketing for your real estate business.

Every campaign must have a goal and target audience in mind

Must enable a simple design and content with bold images and catchy headlines

Be clear and concise through your messages

Must include attractive promotional offer

Must include your contact information

So, what are you waiting for? Embrace direct mail marketing and align your marketing strategy accordingly.

Do you have any questions to add here? Facing any difficulty or want to know more about it? Drop us a note below and we will get back to you soon.

iti Direct Mail offers real estate direct mail marketing (

), printing and design services at reasonable rates for effective business marketing. For more direct mail marketing tips for your business, visit

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Everything You Need to Know about Real Estate Direct Mail Marketing }

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Penis Spots, Lumps And Rashes A Compendium Of Common Male Skin Conditions}

November 8th, 2017

Penis Spots, Lumps and Rashes A Compendium of Common Male Skin Conditions


John Dugan

Men tend to react with horror to any sign of abnormality of the penile skin a natural response, given that penis spots and lesions can sometimes indicate serious issues. Fortunately, many of the problems that affect the male equipment are fairly routine and can be easily handled with medications, while others require no treatment at all. The following list of common penile issues can help men to better understand the care that is needed to manage their penis health.

Groups of bumps or nodules below the skins surface. Multiple tiny nodules on the scrotum or at the base of the penis are hair follicles whether or not they have hair. They cannot be removed, and picking or scratching at them can cause them to become inflamed and red. Few people other than the owner of the member in question are likely to even notice their presence.

Raised, dome-shaped bumps around the crown. A circle of flesh-colored bumps around the crown of the head indicates pearly penile papules so called because of their resemblance to a string of pearls. They are harmless and non-contagious, and occur more often in uncircumcised men. Some men may have them removed surgically for cosmetic reasons.

Red or purple thickened, warty spots. Spots like this that appear on the shaft or scrotum may be angiokertomas, which are harmless. They appear more often in elderly men, but younger men may be affected as well. They do not require any treatment.

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Pea-sized nodule filled with a cheesy substance. This is typically a cyst, and it occurs most often on the scrotum. Cysts may appear singly, or several may be present at once. Again, they are harmless growths and do not require treatment.

Small, shiny, pink bumps. These bumps may appear in a line or in a ring. They may be itchy, but they are not in every case. They may also develop a scaly surface. These bumps are not contagious and usually resolve on their own; medical treatment is available to speed up the process.

Raised, red patches. Patches of raised, red skin with well-defined borders that may or may not be itchy and/or scaly can be an indication of psoriasis. Men who have psoriasis elsewhere on their bodies may develop outbreaks on the penis. These can be triggered by masturbation or sex. Cortisone creams may be effective for dealing with psoriasis on the penile skin, but they can also be damaging to the skin in this area. Men should talk to their doctors about possible side effects and alternative treatments.

Brownish or skin-colored bumps or warts. Warts in the genital area are often caused by HPV (human papilloma virus), a sexually transmitted infection. The warts are contagious; in fact, men who are carrying the virus without symptoms may also pass the disease on to a partner. The virus and warts generally clear up on their own, but this process can take a year or more. Men who are vaccinated in their early teens are much less likely to contract HPV.

Single, painless ulcer. This can be a symptom of syphilis, a serious sexually transmitted disease. The ulcer usually heals and disappears in a couple of weeks, but the infection is still present in the body. If left untreated, it can have very serious consequences, including loss of cognition and death.

Non-healing sore or ulcer. A painless, irregular sore or ulcer that does not heal on its own could be an indication of penile cancer. Early treatment is critical, so it is important to have sores and lesions checked by a doctor as soon as possible.

An extra level of penile skin care

When sores or blemishes develop, men should always see their doctor and follow the recommended treatment plan. But for everyday issues like dryness and itching that are not accompanied by unusual symptoms or for men who simply want a healthier, more attractive member a top-shelf penis health crme (health professionals recommend Man1 Man Oil) may be applied after a shower or bath. A nutrient- and moisture-rich cream can help to eliminate dryness and itching, soothe skin that is reddened due to rough handling and enhance sensitivity levels in men who have lost some degree of feeling from daily wear and tear.


for more information about treating common penis health problems, including soreness, redness and loss of penis sensation. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous online web sites.

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Penis Spots, Lumps and Rashes A Compendium of Common Male Skin Conditions

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