Buyers: It's a Great Time to be a First Time Homebuyer!

It?s a Great Time to be a First Time Homebuyer

There are many first time buyers whom are a bit reluctant to purchase their first home in today?s?real estate market. ?With many media sources predicting a continued downward slide to real estate prices, and stating that it is less expensive to remain a renter, sometimes it is hard to believe that the bottom has been reached. It is much easier for reluctance to take hold after witnessing one of the worst corrections in real estate this country has ever seen. Depending on which media source a potential first time home buyer is viewing for their source of news they can in the same day hear numerous conflicting stories about the future of real estate in the United States from many ?experts?.? However, if you are a first time home buyer the expert you need to be seeking out, in every real estate market, is your local Realtor. Very likely the person who has allowed me to write this article and post it on their blog is the perfect person for you to discuss your purchasing decision with. Your local Realtor is on the front line of your local real estate market daily and is your single best source of real estate market updates. As a first time home buyer introduce yourself to the local expert and start building a great working relationship with them. They have built their real estate careers by being professional real estate consultants to buyers just like you.

Economics of a Buyers Market

The single most important aspect of today?s real estate market that making it a great time to be a buyer, is the fact that in many cases homes are selling for less than they would cost to build. Throughout the national real estate market we are hearing that housing starts are down. The reason builders are not building is simply that homes are selling for less than they cost to build. The moment you hear that housing starts are up that will be the sign that prices have started to reverse. Buying a home for less that is costs to build is the insurance policy of a great deal. If you wait for the price to drop further, chances are the inventory will be gone. A great time to buy your first home, is when you find the one you like at today?s prices.

Today?s Interest Rates

Interest rates today are at or near the lowest levels most people will ever see in their lifetimes. These interest rates allow first time home buyers the opportunity to purchase a more expensive home than they could have when rates were higher. However, the opportunities created by low rates also create many additional buyers. In order for a first time home buyer to take advantage of these low prices and low rates, they must position themselves as the most ready, willing and able buyer. You want to be the buyer that the seller wants to deal with which will help your Realtor to negotiate the best deal.

Submitting Your First Offer

Submitting an offer on your first home is an exciting day, second only to closing day. The last thing you want to have happen is the turning of this excitement to disappointment. Once again this is where building a strong working relationship with your Realtor is the most important thing you can do.? In each area of the country there is a format to submitting an offer that makes you look like the right buyer. Strong offers come with a deposit already in an escrow account, a mortgage approval letter that is no more that 30 days old and proof of funds showing you are capable of closing.? As a first time home buyer allow your Realtor to guide you through what makes for a strong offer in your market. Even if your first attempt does not result in a deal, the experience of working with a local realtor, and gaining market knowledge from their experience is important for the first time homebuyer. ?Having an offer rejected is part of the real estate buying process that your realtor will be able to guide you through. ?Do not become discouraged and rely on your realtor for guidance as you venture towards your first experience as a homeowner.

About the Guest Author: Eric Miller an award winning Ft Lauderdale, Florida Realtor is the author of this article, and is honored to place it on this outstanding website. Know anyone looking for Ft Lauderdale Real Estate you can reach Eric Miller via his website which provides complete information about Ft Lauderdale Waterfront Homes.

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Source: http://sellingwarnerrobins.com/2012/02/buyers-its-a-great-time-to-be-a-first-time-homebuyer/

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Help make videos section of internet promotion ... - Info Gadget Online

I believe you should consider seo monster to boost yourself online four

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Source: http://www.infogadgetonline.info/help-make-videos-section-of-internet-promotion-schedule.html

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Restaurant Industry Set to Outpace National Job Growth, Reach

Restaurant Industry Set to Outpace National Job Growth, Reach

Restaurant Industry Set to Outpace National Job Growth, Reach Record Sales in 2012

National Restaurant Association?s 2012 Restaurant Industry Forecast Reveals Economic, Workforce, Technology and Consumer Trends

WASHINGTON, Feb. 1, 2012 - Despite sluggish recovery by the nation?s economy, the restaurant industry is projected to expand in 2012, according to the National Restaurant Association?s 2012 Restaurant Industry Forecast released today. Total restaurant industry sales are expected to reach a record high of $632 billion in 2012 - a 3.5 percent increase over 2011, marking the second consecutive year that industry sales have topped $600 billion.

To view the multimedia assets associated with this release, please click: http://www.multivu.com/mnr/52982-national-restaurant-association-2012-restaurant-industry-forecast

(Photo: http://photos.prnewswire.com/prnh/20120201/MM44976)

In addition, the restaurant industry will continue to fuel U.S. employment in the year ahead as the nation?s second largest private sector employer. Overall restaurant industry employment will reach 12.9 million in 2012, representing 10 percent of the total U.S. workforce.

?As our nation slowly recovers from the economic downturn, restaurants continue to be a vital part of American lifestyles and our nation?s economy,? said Dawn Sweeney, president and CEO of the National Restaurant Association. ?We expect the nation?s nearly one million restaurants to post sales of $632 billion this year. Combine that with the fact that restaurant job growth is expected to outpace the overall economy for the 13th straight year, and it?s clear that the restaurant industry is once again proving to be a significant economic stimulant and strong engine for job creation.?

Workforce Outlook
In 2011, total U.S. employment grew at a rate of 1.0 percent, while restaurants added jobs at a 1.9 percent rate. In 2012, the National Restaurant Association expects the restaurant industry to add jobs at a 2.3 percent rate, a full percentage point above the projected 1.3 percent gain in total U.S. employment.

The industry is expected to gain back all of the jobs lost during the recession by early 2012. The overall economy isn?t expected to be back at pre-recession employment levels until 2014. Looking ahead, the Association expects a jump in restaurant employment to 14.3 million individuals in the next decade - an increase of 1.4 million jobs.

Challenges and Opportunities
While the industry is expected to grow in 2012, the top challenges cited by restaurateurs are food costs, building and maintaining sales volume, and the economy.

?Because about one-third of sales in a restaurant go to food and beverage purchases, food prices are a crucial component for operators,? said Hudson Riehle, senior vice president of the National Restaurant Association?s Research and Knowledge group. ?Last year, we saw wholesale food prices post their strongest annual increase in more than three decades. In 2012, we will see continued increases in the cost of some commodities, while price pressures will ease for others.?

However, opportunities are also present for operators to be successful by understanding and leveraging consumer trends to attract new guests and make current ones come back. The good news is, there is substantial pent-up demand for restaurant services, with 2 out of 5 consumers saying they are not using restaurants as often as they would like. With the right incentives, that demand can translate into sales.

The Rise of Technology
Technology is finding its place at the restaurant table. Although high-tech items such as wireless payment and iPad menus aren?t commonplace just yet, there is strong consumer interest in such options.

According to the National Restaurant Association?s 2012 Restaurant Industry Forecast, nearly 4 in 10 consumers say they?d be likely to use an electronic ordering system and menus on tablet computers at tableservice restaurants. About half said they would use at-table electronic payment options and a restaurant?s smartphone app to view menus and make reservations.? At quickservice restaurants, about 4 out of 10 consumers say they would place online orders for takeout, use in-store self-service ordering kiosks, and use smartphone apps to look at menus and order delivery.

What?s more is that in today?s uber-connected society, email and text messaging are proving to be an effective way for restaurant operators to reach their consumers. Roughly 3 in 10 of adults said they would like to receive an email with daily specials, while about 1 in 5 prefer text messages with similar information. If a restaurant?s specials were available on Facebook or Twitter, nearly one-third of consumers say they?d be likely to sign up, indicating that social media continues to be a powerful marketing tool.

To further feed consumers? digital hunger, more than nine out of 10 restaurant operators said their restaurant will likely be using Facebook in the next year or two, with use of Twitter and smartphone applications expected to be on the rise as well.

Consumer Trends
Giving consumers what they want will be crucial for restaurant operators in 2012. As the recession has caused 8 out of 10 consumers to cut back on spending to some degree, it is more important than ever for operators to nudge those guests into patronizing their restaurants.

According to the National Restaurant Association?s 2012 Restaurant Industry Forecast, food quality, customer service quality and value are the top attributes consumers look for when choosing a tableservice restaurant. For quickservice restaurants, customers are looking for food quality, value and speed of service when picking where to dine.

When it comes to food, the top menu trends are all about local sourcing and nutrition, especially kids? nutrition. Nearly three-quarters of consumers say they are more likely to visit a restaurant that offers locally produced food items, and more than half of all restaurants currently offer locally sourced produce.

Similarly, nearly three-quarters of consumers say they are trying to eat healthier now at restaurants than they did two years ago, and a majority of restaurants agree that customers are ordering more such items.

For more information about the National Restaurant Association?s 2012 Restaurant Industry Forecast, visit http://www.restaurant.org/forecast. To view the social media version of this release, including video and downloadable images, visit http://www.restaurant.org/pressroom/socialmedia/forecast2012.

Founded in 1919, the National Restaurant Association is the leading business association for the restaurant industry, which comprises 970,000 restaurant and foodservice outlets and a workforce of nearly 13 million employees. We represent the industry in Washington, D.C., and advocate on its behalf. We operate the industry?s largest trade show (NRA Show May 5-8, 2012, in Chicago); leading food safety training and certification program (ServSafe); unique career-building high school program (the NRAEF?s ProStart, including the National ProStart Invitational April 27-29, 2012, in Baltimore, Md.); as well as the Kids LiveWell program promoting healthful kids? menu options. For more information, visit http://www.restaurant.org and find us on Twitter @WeRRestaurants, Facebook and YouTube.

SOURCE National Restaurant Association

Photo:http://photos.prnewswire.com/prnh/20120201/MM44976
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Video:http://www.multivu.com/mnr/52982-national-restaurant-association-2012-restaurant-industry-forecast
National Restaurant Association

CONTACT: Annika Stensson, +1-202-973-3677, .(JavaScript must be enabled to view this email address); Cheryl Wortzel, +1-646-428-0614, .(JavaScript must be enabled to view this email address)

Web Site: http://www.restaurant.org

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Posted on Feb 01, 2012 - 07:05 PM ? Print

Source: http://www.hospitality-industry.com/index.php/news/comments/restaurant_industry_set_to_outpace_national_job_growth_reach/

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Mitt Romney's Tax Returns, by the Numbers (ContributorNetwork)

On Tuesday, Mitt Romney responded to the mounting pressure from his fellow Republican candidates vying for the presidential nomination and released his 2010 tax return information, as well as his estimated tax information for 2011. Let's take a look at some of the numbers behind these returns:

$21,646,507: Mitt and Ann Romney's adjusted gross income for tax year 2010. That amount includes nearly $3.3 million in interest, almost $5 million in dividends and over $12.5 million in capital gains.

$112: The amount of federal income tax withheld from Mitt and Ann Romney's 2010 income.

$1,609,441: The amount of overpayment that the Romney's made in their 2010 taxes. They applied that entire balance to their 2011 estimated tax.

$1,525,000: The amount that the Romney's gave to the Church of Jesus Christ of Latter-Day Saints in 2010.

$1,458,807: The amount of noncash charitable donations that the Romney's made in 2010.

13.8: The percentage of the Romney's adjusted gross income in 2010 given to charitable organizations.

13.9: The percentage of the Romney's adjusted gross income that was paid in taxes in 2010.

$20,908,880: The amount of total income that the Romney's estimate they earned in 2011. Over $3.1 million was earned in dividends, nearly $4.1 million was earned in interest and over $10.7 million was earned in capital gains.

$4,020,572: The amount-in cash and in kind-that the Romney's estimate that they gave to charitable organizations in 2011.

$500,000: The amount that the Romney's estimate that they gave to the Tyler Charitable Foundation in 2011. The Romney's set up the Tyler foundation to give scholarships and grants, often to the Mormon Church or to students attending at the Mormon-affiliated Brigham Young University in Utah, Mitt Romney's alma mater. In recent years the foundation has given money to additional charitable organizations, including United Way, City Year and others.

15.4: The percentage of the Romney's adjusted gross income that they estimate will be paid for the 2011 tax year.

19.2: The percentage of the Romney's adjusted gross income that they estimate they gave to charitable organizations in 2011.

$3,009,766: The amount of tax that the Romney's owed in 2010.

Source: http://us.rd.yahoo.com/dailynews/rss/gop/*http%3A//news.yahoo.com/s/ac/20120201/pl_ac/10883145_mitt_romneys_tax_returns_by_the_numbers

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Small business advertising helpers ? you have plenty to choose ...

Web-based-sales-and-marketing-service

Small business advertising helpers ? you have plenty to choose from

Article by Lyndon David

As incredible as it may sound, there are loads of small business advertising helpers available both for online and offline businesses. These include the internet, Yellow pages, print and electronic media and of course direct mail. At the end of the day, the channel of advertising would depend on two basic factors: your product line and your advertising budget. Let us presume that as a small business owner, you have budget limitations. Therefore there are many options which you cannot consider as your small business advertising helper.

Several advertising gurus claim that to succeed in a small business your first aim is to build ?brand equity? resulting in continuous ?top of mind recall?. These concepts are easier said than done and any small business owner knows how much it takes to achieve these objectives. The primary aim of any small business advertiser is to get quick returns on investment and only a few advertising helpers can help you achieve this specific goal.

At the risk of sounding like an old broken record, let it be known that a creatively built, content rich website is still one of the best small business advertising helpers around. Without a viable website you have no chance of informing your target customer that you exist, leave alone what you market.

Having a website is only the beginning of your advertising efforts. You ought to know how to promote it and make use of the various smaller small business advertising helpers to make your site stand out in a crowd. Is this too much to ask for? Not really, especially with so many tools for site promotion available online, there is no dearth of finding the right small business advertising helper to promote your business online. It is also a fact that more and more entrepreneurs are resorting to online promotional methods to promote their offline businesses. Fashion accessories, clothes, travel goods or even travel agencies are promoting their businesses online to get customers for their offline services.

A small business advertising helper can also be in the form of a human helper who assists you with your business promotion efforts. There are plenty of professionals with the right advertising qualifications and experience in advertising who can become effective small business advertising helpers. If you are thinking of recruiting one such helper to join your team, ensure that the candidate has experience not only in an advertising agency but preferably as an advertising buyer too. Experience in online advertising is a definite advantage.

Human resources are always the most important asset for any small business. Hiring a professional advertising helper in your team can give a solid boost to your promotional efforts by which you can finally achieve your business goals ? to get maximum return on your investments.

Author Bio: Read about me at http://www.asmallbusinessmarketingtool.com/

About the Author

Read about me at http://www.asmallbusinessmarketingtool.com/

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Source: http://neuroplasticity.mobi/?p=4926

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Scientists puzzled by region outside solar system (AP)

LOS ANGELES ? A glimpse beyond our solar system reveals the neighborhood just outside the sun's influence is different and stranger than expected, scientists reported Tuesday.

One oddity is the amount of oxygen. There are more oxygen atoms floating freely in the solar system than in the immediate interstellar space, or the vast region between stars.

Scientists were unsure why, but they said it's possible some of the life-supporting element could be hidden in dust or ice.

"We discovered this big puzzle ? that the matter just outside of our solar system doesn't look like the material inside," said David McComas of the Southwest Research Institute in San Antonio, Texas.

The discovery came from NASA's Interstellar Boundary Explorer spacecraft, which launched in 2008 to study the chaotic boundary where the solar wind from the sun clashes with cold gases from interstellar space.

Circling 200,000 miles above Earth, the Ibex spacecraft spots particles streaming into the solar system. A protective bubble surrounding around the sun and planets prevents dangerous cosmic radiation from seeping through, but neutral particles can pass freely, allowing Ibex to map their distribution.

The presence of less oxygen outside the solar system should not have any bearing on the search for Earth-like planets, scientists involved in the exoplanet hunt said.

There's plenty of oxygen in all the stars in the galaxy and in the material out of which stars and planets form, Geoff Marcy of University of California, Berkeley said in an email.

While Ibex probes the edge of the solar system from Earth orbit, NASA's long-running, nuclear-powered twin Voyager spacecraft are at the fringes. Launched in 1977, the spacecraft have been exploring the solar system boundary since 2004.

Scientists have said it'll be months or years before Voyager 1 exits the solar system and becomes the first manmade probe to cross into interstellar space.

___

Follow Alicia Chang's coverage at http://www.twitter.com/SciWriAlicia

Source: http://us.rd.yahoo.com/dailynews/rss/science/*http%3A//news.yahoo.com/s/ap/20120131/ap_on_sc/us_sci_solar_system_probe

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Does PETA Have a Legitimate Beef with The Grey?

Joe Carnahan probably knew he was in for something of a tussle when his latest film, the survival actioner/mortality meditation The Grey, began drawing criticism from animal activist groups sight unseen even before it debuted (at #1, no less) last weekend. But then PETA posted its own twofold complaint regarding the depiction of wolves in the film and the reported eating of wolf meat on Carnahan?s set, escalating the anti-Grey fight. The question is, does PETA have a legit beef with The Grey?

In a blog entry posted to the official PETA website, the organization blasts Carnahan on two fronts for being ?rotten to wolves from the get-go.? First, the more general grievance: The Grey, they say, makes wolves look bad.

?The writers paint a pack of wolves living in the Alaskan wilderness as bloodthirsty monsters, intent on killing every survivor of a plane crash by tearing each person limb from limb,? claims PETA, when in actuality wolves ?shy away from? humans.

Carnahan?s film (scripted by Ian MacKenzie Jeffers from his own short story) takes fairly diligent measures to portray its wolves as agents of nature, dangerous to be sure but with their own reasons for attacking Liam Neeson?s Ottway and his fellow oil rig workers. They?re glimpsed in the dark all glowing eyes and howling breaths and are seen tearing unfortunate victims to bloody pieces, but are they ?monsters,? or simply animals acting on their natural impulses to defend their territory from encroaching human invaders?

Speaking earlier this month in Los Angeles, Carnahan explained his take on the wolves of The Grey. ?I think the wolves are a facet of and thereby a force of nature, but they?re no different in my mind than the river, than the blizzard, than the cliffside,? he said. ?They are component parts of a whole, which is nature. And for all of its beauty there?s equal parts hostility.?

To this end, every front facing the men of The Grey has the potential for death ? the blizzard conditions that fell their airplane, the freezing cold, the river, the harsh terrain. A polar bear, cut from the film, was to have posed a similar threat. Its inclusion may have slightly lessened the weight of the wolves as the film?s only animal foes, but the theme remains the same: It?s not that these things are evil, but that man ? stripped of his weapons and the trappings of civilization -- can only infringe so far on the dominion of nature and its creatures. Watch The Grey and you come away with a deep respect for these animals and their somewhat anthropomorphized qualities ? their intricate pack relations, capacity for loss, and sense for what one character intimates as revenge. Man?s folly is in thinking himself above mortality.

Besides: If Carnahan wanted to vilify wolves as his film's antagonists, a la sharks in Jaws, that would be a matter of creative license. Do you see the Syfy Channel attacked for propagating irresponsible messages about Mega Snakes and Sharktopi?

Verdict on this count: Carnahan 1, PETA 0.

PETA?s other contention is a bit trickier. According to reports, Carnahan flew in a batch of frozen wolf meat for his cast to munch, Method-style, in preparation for a scene in the film. ?[Carnahan] bought the meat from a trapper, meaning that the wolves likely suffered horribly in traps before being killed,? wrote PETA, calling this move a reneging on a promise by the filmmakers to ?use only computer-generated imagery and animatronic wolves.? [UPDATE: The Province spoke to trapper Dick McDiarmid for his account of providing wolf carcasses to the production.]

Taking to Twitter, Carnahan shot back. ?To suggest otherwise is cheap and uninformed,? he wrote in just one of a series of Tweets on the matter. ?Not a single animal was harmed for the making of this film.? [UPDATE: Carnahan Tweeted directly to Movieline to clarify in plain terms: "...There was no trapping or hunting. We didn't harm a single wolf in the making of this film."]

And this: ?Guys, I donate $100 a month to the Humane Society to prevent canned hunting of all kinds. Protestors. Look up my records & SHUT THE FUCK UP.?

Colorful language aside, Carnahan insists that no animals were harmed in the making of the film, but does he escape culpability if said animals were trapped and killed prior to filming by third parties, then utilized in the service of the film? Even if Carnahan didn?t buy the wolf meat to order ? if it was in ?some guy??s basement freezer for six months before the cast of The Grey chowed down, having ostensibly been killed for practical reasons ? is Carnahan culpable for supporting the kill after the fact?

Here's a note from the American Humane Association (via Box Office Magazine), which did send a certified representative to observe filming but conspicuously did not lend its ?No Animals Were Harmed? seal of approval to the credits roll, explaining the omission:

?American Humane Association monitored the live animal action during the filming of The Grey. Our Certified Animal Safety RepresentativeTM on the set of the movie ensured the humane treatment of all of the animals used in this film. The movie does not however carry the American Humane Association "No Animals Were Harmed"? end-credit certification. Our process in awarding the end-credit includes a screening of the locked motion picture, which we were not given. Productions must be screened to determine cohesiveness with all of our on-set documentation.?

As for the wolf meat accusations, AHA had this to add: ?Online allegations regarding the consumption of wolf meat by cast members of The Grey, have not been verified and sources within the production and distribution entities have not returned our phone calls of inquiry. American Humane Association does not permit the trapping and/or killing of any animals for use in filmed entertainment.?

Most AHA animal monitoring concerns the use of living animals in productions, but they do have guidelines regarding the use of dead animals, essentially requiring proper documentation and receipts for transactions that proves the animals were "destroyed in the normal course of the source?s operations and were not killed for the production."

So Movieliners, let?s hash this one out. Does PETA have legit ground to stand on with either or both of their complaints against The Grey, or was Carnahan right when he Tweeted the following to his critics: ?Wolfaboo wackos. Your insane rants about us killing wolves only makes the movie more of a curiosity and thus, more successful. Keep it up!??

Follow Jen Yamato on Twitter.
Follow Movieline on Twitter.

Source: http://www.rottentomatoes.com/m/1924416/news/1924416/

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