Sugar is everywhere you look and it might pop up in some surprising places. Did you know that whole grain breads have at least one form of sugar in them? We have a national sweet tooth epidemic. Even if you don’t eat a lot of sugary treats you may experience intense sugar cravings in the first few weeks of the Atkins diet. So many “healthy” carbohydrate foods have hidden sugars in them, your body may be experiencing withdrawal.

The problem with sugar is that your blood sugar is tied into your energy levels and your overall health. When your blood sugar is too low, you will experience intense cravings. High blood sugar is a result of eating high-sugar meals. When you eat concentrated sugar, your blood sugar will raise to high levels. Your pancreas think there is something wrong and then it secretes insulin to lower the blood sugar. As this happens more, you can create pre-diabetic conditions in your body as your pancreas becomes worn out and eventually cannot secrete insulin.

Fortunately, getting started on the Atkins diet plan can put a stop to this cycle. However, this doesn’t mean that sugar cravings go away automatically. Sugar products are everywhere and temptation is sometimes hard to fight.

The best way to approach sugar cravings is with planning. If you maintain a balance of protein, fat and fiber in your daily diet you will prevent blood sugar drops that lead to sugar cravings. Also, do not go too long between meals without eating. Snacks are an important part of keeping your blood sugar stable. Have some handy snacks like cheese, nuts, seeds and boiled eggs on hand with you so you can quickly stabilize your blood sugar without turning to sweet treats.

Sugar cravings can also be a sign of a nutritional deficiency. When you are low on magnesium, you will crave chocolate and other sweets. Zinc and chromium can also stave off sugar cravings. If you aren’t taking a good multivitamin supplement with these minerals, start immediately. If you are and you are still experiencing cravings, consider trying additional supplements of these nutrients.

Another tactic is to brush your teeth. Many Atkins dieters find that brushing their teeth or using Listerine breath strips can help with cravings. Both methods will numb your mouth and prevent you from wanting to eat. Drinking two large glasses of water can also help eliminate cravings. If your stomach is full, then you’ll be less likely to reach for a sugary treat.

Sometimes out of sight, out of mind is the best approach. If you find yourself overcome with cravings while you are at home, get outside and take a walk. The distraction will have you forgetting your sugar craving in no time. Calling a friend for support or logging into an Atkins support forum can also go a long way toward preventing you from succumbing to sugar cravings.

Having a low-carb version of your favorite treat is another good idea. You are less likely to feel deprived if you can have a satisfying low carb treat. There are a wide variety of low-carb products available on the market that can beat your sweet tooth. Low-carb yogurt, chocolate, ice cream and candy can all help you stay on the Atkins plan and still get something sweet to eat.

Sugar cravings are a reality of following the Atkins plan, but the previous tips will help you overcome them and stay committed to your weight loss efforts.

If you miss this evenings (Feb 9) Public Observing Session (Registration for tonight is closed)  at CREW we will offer another observing opportunity March 9th so if you happen to be in South West Florida visiting, or you live here, consider signing up via this link to attend our Family Star Gazing session.    

What will we see?  Jupiter, the Orion Nebula, various Star Clusters.. Galaxies M31 and M32 as well as pointing out numerous constellations and bright stars as well as telling some star-tails from CREWs beautiful Dark-Sky observing site I simply call Star Gazers Field.  If you go to the above Star Gazing link it will give you all the information about what you need to bring (don’t forget the blankets!) as well as where CREW Gate 5 is located.  Pre-Registration is required so check your calendar for March and include the Night Sky – Star Gazing, in your next family adventure into the Wilds of South West Florida! 

All images by Linda S. Jacobson    Visit my website, Calusa Night Sky Tours and Book your own Star Gazing Adventure in South West Florida.

Property taxes are decided collectively by school boards, town boards, legislators, and councils. The tax rate is set by collating the amount of funds an area needs. This is then divided that by the “total taxable” assessed value of the area. The tax an individual pays is computed by multiplying the tax rate by the assessed value of your property and then deducting any applicable exceptions. Property taxes are at an all time high. Studies indicate that they have increased more than 35% in five years.

Property is assessed by determining property costs in any given area. Property is valued by studying: the current sale price of properties in the area, costs to be incurred to replace the property, potential realization of property if it is rented, sold, or gifted, and the historical value of a property.

There are a few ways in which you could save on taxes:

1. Check if the state you reside in is offering any rebates.  For example, a money back rebate, energy rebate, capping of taxes, or home owners rebate where under certain conditions you may be eligible to claim a rebate.

2. Ensure that the property is assessed right. This will ensure that you do not have to pay excess taxes. Assert your right to check you assessment report ensure that there are no miscalculations, mistakes, or assumptions. If in any doubt, do put in an appeal. According to statistics almost 50% of the cases win some relief.

3. Check all exemptions allowed according to the law.

4. Buy property jointly with a partner or family member. This way both owners become eligible for tax rebates.

5. Check if your assessment is in according to other properties in your neighborhood. Check with the assessment office or with your neighbors themselves. It helps to know applicable laws. Use the help of a real estate professional to put together a file of properties similar to yours that have a lower assessment. Or, use the bank’s appraisal to support your case. Be sure that the case you gather together is water tight.

6. Use a property consultant to help you save taxes. Some charge a flat fee while others just a percentage of what you save. A professional will check how assessment is done and also if there are any loop holes you can use.

7. There is strength in numbers. Get together with other owners who are also checking or fighting assessments. Check on the National Taxpayers Union Website http://www.ntu.org   for your rights.

8. Ask you home loan provider whether you are eligible for refund of property taxes paid. Some agreements have a provision for this. Many mortgages have automatic escrow of taxes. 

9. Even before you buy a home find out what the property taxes are in the area and what have been the increases in tax rates.

10. Be sure to read through assessment and tax manuals published by your local authorities. These will give a clear idea of what are the parameters used and what you must do to reduce or pay the correct property taxes.

In order to be money smart you need to get the help of an efficient and dedicated accountant, plan your tax liabilities well, known thoroughly all aspects of Property Tax. If you are prudent, you can benefit by using ways and means to cut your tax burden and liabilities.

In-ground pools are one of the most popular pool styles in the United States.  If given the opportunity, many homeowners would prefer to have an in-ground pool, rather than an above ground pool. One of the many reasons why in-ground pools are preferred over above ground pools is because of their appearance. In-ground pools are more attractive than pools that stick out of the ground.  If the appearance of your pool is important, you will want to keep your pool cleaned.

To keep your in-ground pool clean, you will have to obtain the proper cleaning supplies and equipment.  If you have yet to purchase cleaning supplies for your pool, you may be unsure as to which type of cleaning supplies are best for your pool. Instead of just guessing, you are advised to familiarize yourself with all of the in-ground pool cleaning supplies that are currently available for sale.

When it comes to familiarizing yourself with in-ground pool cleaning supplies and equipment, you will have a number of different options.  Perhaps, one of the easiest ways to learn about well performing cleaning equipment and supplies is to speak to those that you know.  If you live in a warm area, it is likely that one of your friends, neighbors, coworkers, or relatives has a pool. If so, you may want to ask them about the cleaning supplies or equipment that they use. If you receive positive feedback or product recommendations, you may want to consider further examining those products.

In addition to speaking to your friends, relatives, coworkers, or neighbors, you can also use the internet to familiarize yourself with in-ground pool cleaning supplies. In addition to visiting the online websites of multiple product manufacturers and pool supply stores, you may also want to look for online resources guides. There are a large number of online websites and resource guides that are aimed at assisting those with in-ground pools.  On these websites, you should be able to learn more about the cleaning supplies that are currently on the market. You may also be able to read product recommendations or warning from other pool owners.

Whichever search method you select, it is likely that you will hear of automatic pool cleaners and manual pool cleaners.  If you are looking to save time, you may want to examine automatic pool cleaners.  If you are looking for low-cost cleaning supplies or equipment, you may want to examine manual cleaners.  Before making a final decision, as to which type of pool cleaner you would like to purchase, you are advised to examine the advantages and disadvantages of each product.

As mentioned above, automatic pool cleaners are popular because they save time.  In most cases, automatic pool cleaners work without your assistance.  For instance, if you are using chemicals to clean your pool, automatic cleaners would require that you just pour the chemicals into your pool. If you were looking for cleaning equipment, such as a pool vacuum, many vacuums only require that you turn them on and then the vacuum will do the rest.  However, it is important to be on the lookout for automatic pool vacuums that may require your assistance to operate. As previously mentioned, manual pool cleaners and cleaning supplies are ideal for those who are looking to save money. In most on and offline retail stores, you will find that manual cleaners and cleaning supplies cost less than those that are automatic. While it may take time to manually clean your in-ground pool, you can also make sure that it is done right, the first time. 

In addition to either purchasing manual cleaning supplies or automatic ones, you may want to consider purchasing both. In the event that your automatic cleaner does not work, you will have an extra alternative and visa versa.  Having a backup plan, when it comes to cleaning your in-ground pool, is the best way to ensure that you can swim anytime you want.

Many years ago, it would have been extremely difficult for those with bad credit to obtain a mortgage loan in the first place. However, today there are so many loan options available and so many ways for lenders to protect themselves that those with bad credit can not only find a suitable mortgage but can also find appealing re-financing options as well.

Those with poor credit should carefully consider whether or not re-financing is ideal for them at the present time but the process is not much different for them as it is for those with good credit. Those with bad credit who want to learn more about re-financing should consult a mortgage advisor who specializes in mortgages for those with bad credit. Additionally the homeowner should carefully evaluate their credit score and whether or not it has improved. Finally the homeowner should evaluate their options carefully to ensure they are making the best possible decision.

Consult a Mortgage Advisor

Consulting with a mortgage advisor is recommended for those with poor credit. These homeowners may be knowledgeable about the process of re-financing but their situation warrants consulting with an industry expert. This is important because a mortgage advisor who specializes in obtaining mortgages and re-financing for those with bad credit will likely be very knowledgeable about the types of options available to the homeowners.

When consulting with the mortgage advisor, the homeowners should be completely honest about their financial situation and should provide the expert with all of the information he needs to assist them in finding an ideal re-financing agreement. Being completely candid will be very helpful in enabling the mortgage advisor to assist the homeowner in the best way possible.

Consider Whether or Not Your Credit has Improved

Homeowners with bad credit should carefully consider whether or not their credit has improved since the original mortgage was secured. Homeowners who have documented proof of past credit scores can compare these scores to current values. Each citizen is entitled to one free credit report per year from each of the major credit reporting agencies. Homeowners can obtain these reports for use in making comparisons to the previous credit scores. Imperfections on the credit report such as bankruptcies, delinquent or missed payments and other transgressions do not remain on the credit report.

These blemishes are often erased from the credit report after a certain period of time. The amount of time the transgression remains on the report is proportional to the severity of the offense. For example a bankruptcy will remain on the credit report for significantly longer than a late payment. In examining the credit report, homeowners should consider the overall credit score but should also note whether or not previous offenses are being erased from the credit report in a timely fashion.

Evaluate Re-Financing Options Carefully

Once a homeowner has tentatively made a decision to re-finance the mortgage, it is time to start considering the many options that are available to the homeowner during the process of re-financing. Most homeowners mistakenly believe one factor of the re-financing process they have no control over is the interest rate. While this rate is largely dependent on the homeowners credit score, even those with poor credit have the ability to lower their interest rate by purchasing point. A point is typically equally to 1% of the total loan amount and may translate to a ¼ of a percentage point on the interest rate. When deciding whether or not to purchase points, the homeowner should carefully consider the amount of time it would take the homeowner to recoup the cost of purchasing the points. This will help to determine whether or not it is worthwhile to purchase one or more points when re-financing.

Homeowners will also have options in terms of the type of loan they choose when re-financing. Common options include fixed rate mortgages, adjustable rate mortgages (ARMs) and hybrid mortgages. The interest rate remains constant with a fixed rate mortgage, adjusts with an ARM and is fixed for a period of time and adjustable for the remainder of the loan period with a hybrid loan.

No matter how hard you may try, it can be nearly impossible to ask the right questions or complete your goals without first finding yourself overwhelmed by possibility.  There are many alternatives and “what ifs” to any home surveillance system.  Selecting which type is best for you can be a bit easier, if you know what they offer and which one will work the best for you.

Closed circuit television and several other types of electronic devices are much more common these days, and easier to operate than ever before.  They are also more affordable as well, and becoming more and more popular with home owners everywhere.  The basics behind closed circuit systems lets you know that the signals the camera picks up aren’t broadcast through the air, but instead sent directly to the monitor, which can be observed from virtually anywhere – at anytime.

If you learn more of the basic concepts involved with home surveillance systems, you can make more sense of the language when you talk to salesman and others in the trade.  If you aren’t familiar with any of the technology or systems at hand, you won’t know what salesman or others in the trade are talking about when you inquire about your home surveillance system.

Therefore, you should always strive to learn as much as you can about the terms and subjects of home surveillance.  It’s actually easier than you may think, as long as you keep it simple.  Once you have built the foundation, you’ll find it easier to learn more. 

The first thing to know is that the camera is responsible for all images that are displayed on the monitor or captured.  The performance of the camera will vary on the reflected light available on the area that you are surveying, the quality of the components that you are using, and the overall performance of the camera.  Some cameras are high quality, while others can be very poor and lack in direction.

Overall quality with a home surveillance system however, will greatly depend on the weakest area of the chain.  To get the most from your system, you should always make sure that each and every component is of the same quality.  This way, you can get great display images without having to worry about shoddy quality.  If you do your research and compare, you can even get great quality at very affordable prices.

When you select the home surveillance system that you will be using, you should always take the time to research and compare.  If you understand the basic concepts of home surveillance, you’ll have a much easier of time of selecting your equipment and components. 

To make the best decision possible, you’ll need to look at certain areas of home surveillance systems, such as the illumination, lighting, resolution, sensitivity, and the video signal that is sent to the monitor.  The quality will vary among the different options you have available, which is why you should always look for the best system that you can afford.  This way, you’ll have the surveillance protection you need for your home – at a price you can afford.

My power was down, as well as my ability to take long sustained pulls up front. Although I didn’t shy away from pulls today, pedaling up front was not nearly as enjoyable as it normally is. I’m sure the consecutive days and the overall mileage played a part in this, but the biggest culprit I believe was the colder mornings we have been experiencing this week. Cold weather just sucks the power out of my legs, even while wearing “adequate” gear. Hopefully the colder mornings are finally behind us.

Perhaps a day’s rest is in order. After all, too much of a good thing is bad for you…even if it’s on two wheels. Regardless though, it’s been another enjoyable week of riding with great friends.

On another note, I wanted to congratulate all my friends who traveled down to the “Republic of Miami” and took part in the ING Miami Marathon. Way to kick ass! Who knows, perhaps some day I might join you all.

Saturday, January 26
Route: Bonita Beach Road Loop
Ride Time: 2:49:25
Stopped Time: 1:05:42
Distance: 49.30 miles
Average: 17.46 mph
Fastest Speed: 25.00 mph
Calories: 2576
Cycle This Month: 636.79 miles
Cycle This Year: 636.79 miles

Click for Ride Data

Sunday, Jan 27
Route: Beach Loop
Ride Time: 2:47:29
Stopped Time: 38:28
Distance: 50.59 miles
Average: 18.12 mph
Fastest Speed: 29.06 mph
Calories: 2605
Cycle This Month: 687.37 miles
Cycle This Year: 687.37 miles

Click for Ride Data

An Overview of the Escrow Account

A real estate transaction is a high dollar transaction. In fact, you will probably never make a bigger one in your life regardless of whether you are buying or selling. Given the high stakes and the fact that feelings can sometimes get ruffled on each side of the fence, the escrow account was created.

An escrow account is really a part of a larger beast known as escrow. To keep the real estate transaction running smoothly and organized, escrow is undertaken. A third-party, known as the escrow agent, is retained to collect documents, money and such. Since people can be tense during transactions involving large sums of money, it is important to have a party involved that is not emotionally attached.

The escrow account is an industry term that can mean a few different things. In its strictest sense, the account is a trust account opened to hold monies deposited by the parties for appraisals, inspections and remedial work. It is also used to hold the money provided by the buyer for the purchase. This is true regardless of whether the money is submitted directly from the buyer or a mortgage lender.

In a larger sense, an escrow account refers to the total services provided by the escrow account. In addition to finances, the escrow agent will collect contracts, documentation set out in the purchase agreement and so on. In some sense, this makes the escrow agent the referee for the real estate transaction. That being said, an escrow agent does not call penalties, to wit, they will never determine that one party or the other is in the wrong. They will simply facilitate the requirements of the contract. If one party fails to comply with those requirements, the escrow will not close and lawyers typically get involved.

Escrow is standard operating procedure for nearly all real estate transactions. In the end, it is an effective way to get the transaction closed.

You need to first fix up all those small problems that you have ignored for many years. You also need to decide if you are going to sell it by your self or to make use of a professional real estate broker. The transaction will take time, and will depend greatly on the local real estate market.

Some mental and emotional preparation is needed too. Are you looking forward to moving up to a new dream house or facing the uncertainty of a major move across the country? It might well be hard leaving the memories behind or you might be keen to start a new life without the house you have lived in the last chapter of your life.

To keep your feelings under control concentrate on the multitude of practical matters that need your attention.

There are many questions to be considered in order to influence whether your home will sell or stand empty and weigh you down like a millstone around your neck. A house for sale should be visually appealing and in good condition. It should attract potential buyers driving down the street so pay attention to the following:

•  Are the lawn and shrubs well maintained? •  Are there cracks in the foundation or walkways? •  Does the driveway need resurfacing? •  Are the gutter, chimney (if the house for sale has one) and walls in good condition? •  Do the window casings, shutters, siding or doors need painting? •  Are garbage and debris stored out of sight? •  Are lawn mowers and hoses properly stored? •  Are the kids toys tidied up?

It is important to clean up the mess inside as this will affect the decision of prospective buyers. These people prefer clean and comfortable homes. It is better to touch up the interior part of your home by putting a fresh coat of paint in the most used areas for example. This will clean as well as brighten up the rooms and will help to dispense off unwanted odours.

Wash the walls where paints are not appropriate (for example wall paper, paneling and tiles). Wash all floor and bathrooms tiles. Clean or better yet shampoo dirty carpets (Again this is _very_ important to get rd of unwanted smells). Get rid of clutter. Clean out all closets, basement and attic. Use self storage if necessary. Replacing air filters and put some fresh plants in will help keep the dust down and the pleasant scents up.

It is natural that sellers want to get top dollar for their home, but know that this will scare off potential buyers. It may also cause the property to languish on the market for many months. A reduction in price later may lead buyers to wonder if there is something wrong with the home. Here are some factors to consider in putting in the right price for your home:

•  The location •  Economic conditions •  Supply and demand in the local housing market •  Seasonal influences •  Local schools •  Average home prices in the neighborhood •  Home’s extras (like pool, fireplace, central air etc)

In determining the value of the home, you will probably be better to seek the advice of an estate agent or appraiser. Agents can prepare a market analysis for you, showing the recent selling prices of three neighborhood properties comparable to your own. They can also help you adjust for the unique features of the home you’re selling.

If the seller has too little information about the home selling market, it’s better to contact a realtor. In finding a realtor, find someone who you feel comfortable with.

First ask your friends and acquaintances for any recommendations but make the final decision based on your needs. A realtor should show you research to support any recommendations, this includes information about recent sales, current listings and recent expired listing in your neighborhood.

The realtor will be knowledgeable in the area in which the home is located. They will get better co operation from other agents. You should ask for references from the realtor as he or she should be willing to give you names of previous clients. Look for a realtor who can tell you what he or she knows from experience in the market, and not what they think you want to hear. 

These home selling tips can avoid headaches when selling your home. Do not make yourself regret everything for not doing the right thing. Don’t underestimate the demands of buyers as many people now wish to move in.

For students who are unable to get student loans, the fun and kicks of college might be virtually non- existent. There are many more payments to make apart from books and Tuition. Just imagine how difficult it can be for students who also have to pay living expenses because they have to live apart from their families while in college.

Student loans can be a lifesaver because it saves many students from breakdowns that can occur as a result of the stress of payments and college courses. At the beginning, a student may find it difficult to get one of these student loans. This doesn’t mean that getting student loans is a piece of cake.

These Federal student loans are supported by the government and this sees to it that you don’t pay high interest rates. Any student who opts for the private student loans will have to pay increased interest rates and will need good credit records. Subsidized and unsubsidized rates are available for students obtaining student loans.

Except if the interest is being paid by another person that is when rates may accrue while the student who takes the loan is still enrolled in school. It helps a student to know that he/she won’t have to pay any extra rates while he is still in school. You might not be so lucky if your type of interest rate is unsubsidized because rates will be accrued even while you are in school.

If these payments aren’t made, the interest will keep rising thereby increasing the amount to be paid back, but the good thing is that you will have more time to pay. Are you a student interested in a federal loan? Then go ahead and fill out a FAFSA form. You may also have to fill a college scholarship profile application form.  No need to start getting hot and bothered over the cost because it is almost free.

FAQs about getting a student loans:

What is a ‘credit record’? A credit record is, in essence a documented history of any type of credit you have been given for the last six years. It discloses how much you have been lent and whether you have ignored any obligations etc. A credit record allows potential loan providers to search through your financial past so that they will be able to make a determination as to whether to extend you a loan. The data on your record is complied by credit reference agencies for instance, Equifax and Experian. They take data from public documents (e.g. the electoral roll, legal judgments etc) and from loan companies as well as financial institutions: e.g. credit accounts, credit applications.

What is a ‘credit check’? A credit check is a search performed by a possible lender to determine your suitability for borrowing. They will look at your credit record to see your current and previous credit history. They can then award you a credit score to identify whether the manner in which you control your financial affairs fulfils their criteria for being granted credit.

What is a ‘credit score’? A credit score or credit rating is an approach that would-be loan providers use for calculating the credit eligibility of a borrower. They will research the potential borrower’s credit file, the data on their application and the amount of loan requested. They will then employ a numerical rating process to evaluate the size of ‘risk’ connected to lending to the potential borrower.

Credit Reference Agencies :

Experian is one of the important credit referencing agencies in the country. Loan providers will turn to credit referencing agencies to find out about the qualifications of an applicant founded on their credit record. This is known as a credit file. As a consumer, it’s possible to get a printed copy of your report from Experian to check that all the facts and figures on it are truthful and that your particulars aren’t being used in some fraudulent way.

Equifax is one of the significant credit referencing agencies in the country. Equifax gathers all your financial data from various places to establish a file that details your personal credit history – i.e. your credit report. When you fill out an application for any kind of credit, loan providers will examine you report to see your credit record. You may get a printed copy of your credit report when ever you like to check that all is in order. The Equifax website has plenty of valuable advice on sensible financial choices and guarding yourself from fraudulent schemes.

When many travelers make the decision to visit another country, many try to find an international airport that is located close to their home.  That is not always the case with the Dulles International Airport. While the majority of travelers use the Dulles International Airport because it is located within a reasonable distance to their home, not everyone does. Since Dulles is located in Washington, DC, many travelers make the decision to schedule a mini-vacation before they begin their big one, often overseas. 

Whether you are a Washington, DC resident or not, there is a good chance that you will use the Dulles International Airport, when it comes to taking a flight across the country.  If you are, there are number of things that you should do before you leave for your flight.  Perhaps, the first thing that you should do is familiarize yourself with the Dulles International Airport.  All travelers, whether you have visited the airport before or not, are encouraged to examine the airport. You will want to be on the lookout for important air travel information, as well as airport changes.  One of the best ways to get your research started is to visit the online website of the airport. This can be done by visiting www.metwashairports.com.

Once at the online website for the Dulles International Airport, you will have access to an unlimited amount of information.  Some of that information is likely to pertain to air travel rules and safety precautions.  You are advised to examine all of this information, especially if you are planning on taking on an international flight. You will want to learn more about the airport baggage screening centers, as well as prohibited items.  As with most airports, especially international airports, you will find that security has intensified over the past few years. For this reason, you are advised against taking any unnecessary risk, such as arriving at the airport late or tying to sneak prohibited items in your carry-on luggage.

Since the Dulles International Airport is located in the nation’s capital and is one of the most well-known international airports in the Untied States, a large number of travelers use the airport. For that reason, you will find that the airport is large in size.  This is why it is important that you familiarize yourself with the layout of the airport before arriving there. On the online website for the Dulles International Airport, you should be able to find an airport map, which you can print off for your own viewing. This same information can be found at the airport, but you may benefit from familiarizing yourself with this information ahead of time. 

In addition to the location of each airport terminal, you will need to learn about the rest of the airport, namely the parking arrangements. If you are leaving your vehicle behind, while you travel internationally, you will find that you have a number of different options.  With long-term parking, you will have to use the airport’s transportation services to make it to the main terminal. With the Dulles International Airport, there is a good chance that you will be relying heavily on this transportation service, especially since not all airport terminals are connected.

As previously mentioned, you should review the online website of the Dulles International Airport.  If, by chance, you do not find what you are looking for, you are urged to contact the airport’s customer service department. When taking an international flight, especially at an airport the size of Dulles International, you are advised against arriving without knowing what is in store for you.

This new species has been identified as the MAMIL, the Middle Aged Man In Lycra, and no this is not a return to the disco era fashions, but is instead about using it as a tool to become a new man…a man who shaves his legs!

Ok that’s not quite right…

The BBC documented the MAMIL phenomena back in 2010, noting that middle aged men are choosing to get back on two wheels, stuffing their spreading midriffs into brightly colored lycra, all the while changing their lifestyles and becoming more fit. Admittedly, your partner may find your explanation for why you have started shaving your legs either baffling or implausible, but compared to the old midlife crisis cliche of the sports car, how foolish and self-indulgent is a bike? OK, a third or fourth bike might be considered a wee bit self-indulgent, but only to those that do not understand our sacred Velominate Rules which clearly state that the correct number of bikes to own is n+1 (where n is the number of bikes currently owned), but at  least that new Trek Madone is a lot easier to conceal than a bright red Porsche – both in the garage and on the credit card statement.

MAMIL’s are rampant all over the old world, and are spreading rapidly. They can be found on any popular cycling route or roadway. Many come from other sporting backgrounds, often sporting injuries that prevent them from running or playing high-impact sports. What starts out as a simple rehab exercise often turns into an addictive passion like no other. Once you catch the bug there’s no turning back!

They are seduced by the endless challenges in cycling. Its just you against the elements conquering long winding roads, relentless headwinds, and mountain passes. There’s no cheating and no shortcuts. The process of planning, choosing the right gear, training, and most of all, the suffering is what makes it all so satisfying. What other sport lets  you shave your legs and sip lattés in screaming loud lycra while still feeling like a man? The sheer toughness of the sport more than makes up for it. We’re an odd bunch but I wouldn’t have it any other way, after all, I wear my MAMIL badge proudly! Do you?

Thursday, Jan 24
Route: Bonita Beach Road Loop
Ride Time: 2:45:16
Stopped Time: 50:59
Distance: 49.26 miles
Average: 17.89 mph
Fastest Speed: 25.77 mph
Ascent: 1873 feet
Descent: 1876 feet
Calories: 2553

Click for Ride Data

Friday, Jan 25
Route: Coconut-40 + Airport Loop
Ride Time: 2:43:53
Stopped Time: 49:48
Distance: 46.47 miles
Average: 17.01 mph
Fastest Speed: 27.26 mph
Calories: 2456
Cycle This Month: 587.48 miles
Cycle This Year: 587.48 miles

Click for Ride Data

Nonrecurring closing costs on a one-time charge paid upon the close of escrow. Recruiting closing costs are peeping items that the buyer pays advance to help offset expenses that will continue as long as the but it only to property.

Nonrecurring closing cost usually paid by the buyer.

1. Loan ordination fee. A fee charged by a lender to cover the expenses of processing a loan. The fee is usually coded as a percentage of the loan amount

2. Appraisal fee. A fee charged by an appraiser for giving an estimate for property value. The fee for simple appraisal will vary throughout the state, with $350 or more being a typical charge for a single-family residence. Appraisal fees for income properties such as apartments or off his buildings are higher.

3. Credit report fee. Before a lender grants a loan to borrowers credits is checked. Each lender, broker charges different amounts for a credit report.

4. Pest control inspection fee. A fee charged by a licensed inspector who checks for termites, fungus, pests, and other items that might cost structural damage.

5. Tax service fee. A fee paid to a tax service company that, for the life of the loan, each you can review the tax collectors records. If a borrower fails to pay the property taxes, the tax service company reported this to the lender, who can take steps to protect the loan against a tax foreclosure sale.

6. Recording fees. This covers the cost of recording the deep, deep of trust, and other buyer related documents.

 7. Notary fees. Signatures on documents to be recorded must be notarized.

8. Assumption fee. A fee paid to a lender if the buyer assumes the loan, that is, buyer agrees to take over and continue to pay the seller’s existing loan.

9.Title and escrow fees.

Recurring closing cost usually paid by the buyer.

1. Hazard insurance. A1-year premium for insurance against fire, storm, and other risks. The minimum coverage is the amount of the real estate loan, but buyers are advised to purchase a great amounts if they make large down payment toward the purchase price.

2. The proration. If the seller has prepaid the taxes, the buyer reimburses the seller for the prepaid portion.

3. Tax and insurance reserves. This is also known as an impound account or trust account. If a borrower’s monthly loan payment is to include taxes and insurance, as well as principal and interest, the lender that sets up a reserve account. Depending upon the time of the year a lender or the one the borrower to prepay 1-6 months of taxes and insurance premiums in today’s reserve account. Once a reserve account is established, tax and insurance bills are forwarded to the lender for payment.

4. Interest due before the first loan payment.

What Constitutes Revenue?

Generally, rental income is defined as any revenue you receive from the occupancy or use of residential property. Rent, obviously, is included in that revenue. Many owners are surprised to learn revenue also includes rent advancements, expenses paid by a tenant and any security deposits not returned to the tenant. In fact, revenue can also include amounts paid to cancel a lease, even if you had to sue the defendant to get it.

Yeah, Yeah, But What Can I Deduct?

Tax deductions associated with rental properties are strikingly similar to those found in any business. Technically, you can deduct any expense reasonably necessary to “manage, conserve or maintain” the property. Obvious deductions include mortgage payments, cleaning expenses, insurance premiums, service payments such as landscape maintenance, repairs, maintenance, etc. Overlooked rental property deductions include:

1. Expenses incurred in finding tenants,

2. Commissions paid to third parties that arrange for tenants,

3. Paying your accountant and/or lawyer,

4. Mileage for driving to and from the property [I said, “No more parties!”]

5. Depreciation of the property,

6. Depreciation of items in the property such as washing machines, furniture, etc.

Imaginary Rent Deduction

A few creative property owners have suggested that they should be able to deduct their customary and standard monthly rent if the property is empty. The argument goes, “If the property is empty, I am not making revenue and should be able to deduct the $1,500 that I am missing out on.” At first glance, this almost makes sense. Sadly, it doesn’t fly from the perspective of the IRS. Since you are not receiving revenues, your total revenues for the year will be reduced by the loss rent. You can’t double dip by deducting the $1,500 from the already reduced yearly revenues. The only things you can deduct are the expenses you incur during this period, and only for so long as you are actively trying to rent the place.

Rental properties are a great investment. Even more so if you stay on top of your taxes.

It’s easy to get behind on your bills. It happens even to the best of us sometimes. When it comes to mortgage payments though, getting behind can mean risking your home’s foreclosure. The best way to stop foreclosures is to avoid getting behind on your mortgage payments in the first place, but when circumstances prevent you from paying on time, what can you do? Where can you go?

The first thing to be sure to do, is be open and honest about what’s going on. Don’t try to hide from your lender, or ignore them. This will just give them reason to believe that you aren’t going to pay them back. You need to contact them and be open and honest about your financial situation.

Lenders do not want to foreclose. It is only a last resort for when they feel that you will not be able to pay them any other way. There are a few things you can do to stop foreclosure.

1)Reinstatement – This is when you negotiate to reinstate your behind payments by promising to repay later a lump sum to get back on track with your regular payment plan.

2)Forbearance – This is when you are allowed to hold off on payments for a while with a plan for later getting back on track with your payments.

3)Modification of the Mortgage – This is when the mortgage is re-negotiated for a new workable payment plan financed over a longer period of time and often smaller regular payments.

4)Selling your Home – This means losing your home, but it can certainly mean getting more money for your home than if you had a foreclosure. You would be given a time period to sell your home in order to pay off the rest of your loan to get out of debt.

5)Deed in Lieu of Foreclosure – This is when the lender and you agree that you will give up your home, and they will forgive the debt. This does not look good on your credit history, nor does it allow you to keep your home, but it is still much better than a foreclosure.

All of these foreclosure stopping methods depend on what your financial situation is in the present, what potential it has for the future, and whether you can negotiate a workable plan with your lender. It’s best to get all your financial documents in order, so that you can present your best possible case to your lender. If they see that there is good potential for you to pay them back, then they will certainly be willing to negotiate with you. You may end up paying higher interest rates over a longer period of repayment, but it’s certainly worth it if you can keep your home.

If you need help in the negotiation process, or getting your financial records in order to plead your case, there are many financial advisors that specialize in helping to stop foreclosures. Financial advisors can be your savior if you don’t know where to start when it comes to negotiations. If you are going to seek an advisor for help, be sure that they are working on results. That means don’t pay them any fees up front. Foreclosure advisors that know what they’re doing, will only take payment if they do the job for you successfully.

Home loans make the process of buying a new home more affordable than ever.  As you may already know, these types of loans give you many opportunities that wouldn’t be possible without them.  When you buy a home, you should understand as much as you can about the process, as well as the questions you will be answering.  This way, you’ll be familiar with how things work and you’ll find the entire process to go much smoother.

When you look towards a home purchase loan, you’ll need to fully understand the interest rates.  They are never the same and will vary among the different financial institutions, as well as from time to time.  In many cases, home loans can change on a frequent basis, with little to no notice.  When you buy a home, it is very important that you keep up with the economy.  Any change in interest rates for a home loan can either increase or decrease the amount you pay back.

When getting a home loan, you’ll also need to understand the terms and the length of the loan.  Almost all financial institutions and lenders have a variety of different plans or periods for you to choose from.  If you choose a longer period, in most cases your interest rate will drop.  You can find this out yourself by using a mortgage calculator.  This way, you’ll know how much your mortgage payment will be before you decide to further pursue the loan.

As you probably already know, your ability to pay the loan back is very important.  Some lenders require that you keep your loan full term, while others may provide you with the option to pay it off any time you wish.  Home loans that give you the option to pay it off early will normally save you quite a bit of money in the end.  If you are able to pay your loan off several years early, you’ll save a lot of money in the long run.

Even though the early payoff option is great to have, it can also come back to haunt you if you end up defaulting on the home loan.  Or, if you decide to sell your home in the future, the early payoff can haunt you as well.  For those very reasons you should always consult with a specialist before you commit to any type of home loan.

For the potential home buyer, home loans offer several different opportunities.  Before you rush out and get a home loan, you should always know what you are agreeing to.  You should also look into the company you are thinking of getting the loan from as well, so that you can better prepare yourself when you go through their process of getting your loan.