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It’s not easy to buy a first home, so here’s a suggestion that may be surprising: Instead of buying one residence, buy several. What I’m suggesting has nothing to do with late night infomercials or books that promise fast and easy wealth from real estate. Instead, many first-time buyers can benefit from an interesting quirk in the mortgage system. When you hear people talk about “real estate financing” they generally divide mortgages into two categories; loans for owner-occupants and more expensive and tougher loans for investors. “Investment financing” is for buyers who do not physically reside at a property. “Owner-occupant” loans are for homes, the places where we stay at night, the phone rings and the car are parked. But there’s a wrinkle: Owner-occupant financing with little down and low rates is typically available for the purchase of more than a single-family house. Normally you can get owner-occupant financing for properties with one-to-four units as long as you use one as...

You know, there is something that is definitely more artistic about black and white photography. I know I am getting a little away from the overall concept of digital photography. But as a photographer, you will no doubt run into the phenomenon that is black and white photography. I can remember vividly a photography named Michael Zagaris who is the team photographer of the San Francisco 49ers. He said that he was just captivated by the use of black and white photography. The way the light and the shading are so much more evident. This helps contribute to the overall feeling and emotion of the moment that the black and white photo captures. Some of you may be saying to yourselves that color photography has surely taken the place of black and white photography, and I would say that for the most part, you are correct. An interesting note here is that black and white photography still holds a degree of nostalgia for most photographers, amateur and professional alike.Perhaps one reason ...

Photography is the art of reproducing pictures of people, objects or places in their exact likeness. These images can be transferred on any photosensitive material. Photography includes taking and printing pictures. The backbone of photography is the camera, the instrument or device that works on the principle of optics. The camera and photographic techniques have undergone phenomenal changes since the time the first camera was made. The earlier model did not contain the film; instead, it had a small light-shield box with a lens and translucent screen on either side. The image that traveled through the lens was stored on the screen. Known as ‘camera obscura,’ it was no more than a sketching device for artists. Then the scientists discovered the quality of silver nitrate that changes its color when exposed to light. This was the beginning of photogram, a method of making permanent images. They would place objects on the paper dipped in silver nitrate and expose it to the sunlight. A...

What is offshore banking? Offshore banking can be defined as using the services of a bank located in a different jurisdiction or country than the depositor resides in. Offshore banks are usually located in places considered as tax havens and also provide additional confidentiality and security for the depositor. The term offshore was originated from the British Channel Islands, tax havens located literally offshore from the United Kingdom. These were the original tax havens and they started the usage of the term offshore for describing the industry. Those islands became major international banking centers because of those tax benefits and regulations. They were optimal places to hold assets abroad or save and invest. Offshore bank accounts are often less regulated than domestic banks due to fewer restrictions from their governments. This allows for more types of offshore banking accounts and ways in which they can be manipulated. Offshore banking has become a major worldwide busin...

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In this day and age, there is not enough information that you can get in regards to commercial real estate. You might not only need help making your own new decisions, but you may also need to solidify what you already know. This article should help you due to the clear and concise manner that information is provided. With commercial property values being so high, it is important to seek out partners who can share the cost and the investment with you. This helps guarantee financing. Of course, these people need to be people you can trust, and the deal that is worked out needs to be engaging for all parties so that trust is kept. When dealing in commercial real estate, never act in haste and end up making a bad decision. Commercial real estate deals do take longer than family houses do. Everything takes longer: completing the purchasing transaction, re-modeling the property, getting it sold. This is not a negative thing, but just something to keep in mind. Commercial real estate is ...

The Federal, State, and local Governments have established a long list of publications to help taxpayers learn about the tax system. Businesses need access to a variety of tax services to perform daily business operations and these publications will teach small business owners how to fill out tax forms correctly. Tax services are provided free of charge to those that contact the Government agency for guidance by telephone or through regular or electronic mail services. Government agencies will provide tax services such as audits when discrepancies are noted on individual or corporate tax returns each year. This is one tax service that every American wants to avoid because penalties can be accessed for errors and audited tax forms usually mean that the taxpayer will owe additional monies. Some people might rely on a tax consultant for advice before they will attempt to file taxes on their own and this expense is justified by corporations who amass millions of dollars in revenue each y...

How secure is the data on your smartphone or tablet? True, unless you’re a major celebrity, getting your phone hacked probably won’t make national headlines and your personal photos won’t be splashed all over the Internet. But even without major press… http://ift.tt/2BL9iZb Get more useful info from Mobile Privacy | Here are more ideas in or around SECURITY, mobile security, personal security . Mobile Privacy via Alpha Marketing on December 21, 2017 at 10:20PM.

If you are thinking to start any online presence activity such as starting a new online business, making money from internet, building your business online spots, … etc, the most complicated and difficult to answer question is: Where to start… http://bit.ly/2CUyVGp Get more useful info from Niche Marketing Strategy | Here are more ideas in or around INTERNET MARKETING, MARKETING, affiliate marketing, niche marketing. Niche Marketing Strategy via Alpha Marketing on December 21, 2017 at 09:20PM.

Here is an example on how to build a website that sells a products, extremedronecameras.com is a website that sells all types of drone cameras, always it runs Google Adsense ads, it an example on how to create an online presence to promote a product… Get more useful info via Work Sample: Building the WHOLE Online Presence ! Work Sample: Building the WHOLE Online Presence ! via Alpha Marketing on December 21, 2017 at 08:20PM.

Successful online campaign Do you have website, Facebook page, YouTube Channel, Twitter account ? Of course you need visitors, fans, viewers and followers for your online spots, that is what we call ” Traffic “. What I am doing is to driving, monitoring,… Get more useful info via Keys to a successful online campaign Keys to a successful online campaign via Alpha Marketing on December 21, 2017 at 07:20PM.

Heard about hot stone massage? Have you tried indulging into this kind of therapeutic practice? If not yet, then I bet it’s now time for you to know what a hot stone massage is and what it can do for you. The concept of hot stone massage has become widely valued and accepted in the healthcare industry today and a few years back. Numerous reports have in fact noted that from the past four years, hot stone massage became the rage of therapeutic centers, spas, salons, and clinics all over the world. Today, the concept is widely recognized as one of the most effective enhancement to the regular and traditional massage therapy practice. Origin of the Therapy Contrary to the popular belief, the concept of hot stone massage was not first recognized in the desert of Arizona, or by the visions of saints as once claimed by the massage therapists. The truth of the matter is, hot stone massage’s origin can be traced back 5000 years to India, with the ancient healing tradition of Ayurveda. Acco...

For anyone interested in growing their business or maximizing the return of their marketing spend, online marketing is one of the most effective means of doing so. Online marketing is effective as a part of a well developed marketing plan. What is Online Marketing? Online marketing has come to mean many things. You can consider online advertising, search engine marketing, affiliate marketing, and even SEO (search engine optimization) as online marketing. It has also changed and evolved over the last decade. With the advent of Google Adsense and other forms of targeted, pay-per-click advertising, online marketing means a whole lot more than 468 X 60 banners. When thinking about the types of online marketing available today, you really need to think about the objectives of your online marketing spend. Are you looking to sell a product? Drive prospects to your web site or marketing pages? Create awareness for your company? The most important thing to remember is that your online place...

Tropical cruises are best way to get out of your busy schedule and have a little break. These cruises also serve as a best trip for honeymooners since they can spend a lot of time together. With a tropical cruise you need not worry about your stay or a place to have your lunch and dinner which is done when you go for some onshore locations. Everything you need is made available in the tropical cruise itself. Pack your bags for set out for an exciting vacation on a tropical cruise! The tropical cruises have a lot of activities going on during the travel and this gives you the perfect evening to romance most of the time. These cruises serve as a floating resort. If you go alone then you are sure to get a few friends in the cruise. This might even be a turning point for you in your life. Cruises for couples and singles are operated separately sometimes. These are meant to give the perfect setting for the perfect escape from the busy schedule you have regularly. There are people who foun...

Investing in commercial real estate is a very rewarding task. Investors gain commercial property with the help of lenders, that may be used for business ventures. Before you make your first investment as a commercial real estate investor, there are some things you must know. The following article will provide you with advice for commercial real estate investment. Urban and suburban investors in commercial real estate think only about what is visible to them on their daily travels, such as apartments, office buildings and retail buildings. What don’t you see everyday? Industrial properties are out of sight usually, but still need owners and tenants, as do mobile home parks, undeveloped pieces of land and even houses of worship occasionally. Explore local niches that are a little uncommon or out of sight for markets with little to no competition. It is very important to have a good lawyer look over your commercial real estate contracts. Make sure they know all about real estate and c...