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Ok, you’re selling FSBO and you’ve found a buyer. Now what? A simple one page Purchase and Sale Agreement just won’t do. There are so many considerations to protect both the buyer and seller.

Consider property disclosures, lead paint forms, financing, septic inspection forms, well forms, condition of title forms, neighborhood review forms, etc.

You name it, there is a form for it.

You don’t want an unaddressed issue to come back and bite you after the sale, so protect yourself and get everybody involved in the transaction to sign and initial.

My first step in selling fsbo would be to have a local real estate agent give me copies of all the forms they use in the process of selling a home. Agents are well protected these days, and the real estate industry makes sure to cover everything possible to help insure a smooth transaction. Go over the forms and see if you are covered for the type of property that you are selling. You should get these forms well in advance, before finding a buyer. Some forms are County specific for your state.

When in doubt, consult a real estate attorney to review your Purchase and Sale Agreement.

To get FSBO form software, just go to your favorite search engine and enter the words “fsbo form software”.

While every form is important, the one form that needs your attention most is the “property disclosure form”. This is the form that discloses everything that you know about the propety. It is important so the new buyer can make an informed buying decision. You don’t want a buyer coming back to you after the purchase to make you pay for a problem that you were aware of, but didn’t disclose.

Tom Jacobson is a licensed agent in Washington State and has paid buyer rebates up to $11,000.
He offers a FREE 10 - day email course to further educate those potential buyers interested in getting an unadvertised rebate. http://www.easyresponders.com/subscribe.aspx?u=671/666

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I have a close friend. He’s on his cell phone all the time, and yet he has the sort of relationship with it that one might have with a sworn enemy or an extremely bitter ex-spouse. He curses it, throws it, and often misplaces it just for spite. Its keypad is worn to nubs. It drops calls, has a battery life of up to several minutes, and can only occasionally receive (but never send) text messages. All in all, it’s one of the worst cell phones imaginable.

Why doesn’t he just get a new one? Because it’s not his to replace. His cell phone was bought and paid for by his employer, and he’s required to carry around this outdated device for his job. That might not be so bad by itself, even if the phone does look like it went out of style sometime during the Eisenhower administration — but, to add to his woes, he also uses it as his personal phone.

Convenience and Necessity

Many employers give out cell phones to their employees, in order to stay in contact and make work communication more flexible. As a result, many people who might not otherwise have a cell phone now find themselves in possession of one. At first glance, it’s hard to complain about a free phone — beyond the unwanted after-hours work call, of course. On the other hand, a work-sponsored phone can sometimes be a bit of a hassle if co-opted into personal use.

Consider the sad case my aforementioned friend, who has spent years making both work and personal calls on his cell phone. Not only does he hate his phone like fire, but, due to a change in his employer’s policies, he now has to go over his monthly bill and itemize it, separating the personal calls from the business calls. While few people want to be the guy walking down the street with a phone in each hand, barking into two handsets and blocking traffic, even fewer want to be up at two in the morning sweating over their wireless bill because they have to justify their airtime.

In such circumstances, wouldn’t it be easier just to get your own?

Options and Alternatives

Granted, you may be one of the lucky ones, whose employer not only pays for your phone, but gave you a nice, shiny new phone to boot, instead of merely the least expensive one they could find. Perhaps they don’t even mind if you make personal calls. If you are such a person, rejoice in your good fortune and think no more of it. On the other hand, if you’re more like my poor associate with his archaeological curiosity of a cell phone, you might want to consider springing for your own.

The advantages of having your own cell phone are innumerable: you’ll have your own number, which won’t change if you change jobs. You won’t suddenly find yourself without a cell phone if your employment situation changes. Most of all, you can pick a phone that’s right for you. Such a proposition doesn’t have to be expensive. If you have an intense dislike for obligation, many prepaid cell phone plans come with an inexpensive phone. If, on the other hand, you’re looking for something more long-term, many cell phone carriers offer more feature-rich phones with a new contract.

Granted, having two phones may seem a tad excessive at first. But think of the freedom. Think of that shiny new phone of your choosing, with a real camera and an mp3 player, resplendent in its decadent consumer-electronics goodness. Most of all, think of yourself, itemizing your bill and explaining that forty-minute chat with your friends upstate to your employer. That should motivate you.

Daniel Swensen is a freelance writer who covers websites like Wirefly.

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It’s a commonly held belief that healthy people are more productive. Recent studies we’ve all heard of seem to overwhelmingly support that belief. Now, I’m no scientist, so I wouldn’t begin to question their findings, but, doesn’t it follow that productive people are more healthy? If so, we have in our hands an amazingly simple method to improve our own health, without insurance, government assistance or any other of the trappings thought of as necessary for good health. This article will focus on the flip side of productivity…how it enhances health.

Aging And Illness: We used to believe aging and illness were just our bodies wearing out over time. The older we get, the higher the chances of a fatal disease…right? Of course! The extreme training athletes undergo to push their bodies to the limit does wear them out, but this isn’t the case for the rest of us. For most people, aging and illness isn’t our bodies wearing out, but rusting out. It’s as if we left a pair of pliers out in the weather. Before long, they’d be unable to function. It’s the same for us! Just breathing creates a process in our bodies, called oxidation (rusting). Oxidation sets us up for a number of illnesses, cancer, being one of the better known ones. As the oxidation process continues, our bodies become less efficient at maintaining health, until we can’t function and are at risk for an increasing number of diseases. If wearing ourselves out were a concern, no doctor would recommend exercise for health. In fact, non-productivity speeds up the oxidation just like a pair of unused pliers.

Non-Productivity: While there are exceptions that can be found, it’s no accident that those who are less productive in society (rich and poor, alike) are the most unhealthy, often morbidly obese and invariably unhappy. I haven’t seen any studies of productivity and mental illness but there is no reason to assume there wouldn’t be just as strong a relationship as with physical illness. We’ll get into some of the physical mechanisms involved in a moment, but let’s finish with the issue of non-productivity. Everyone knows, if you don’t use your muscles, they become weaker. If you tied your arm up for a year or more, it’s possible you could never use it again. The same is true of mental abilities. Don’t exercise your mind and you’ll be gradually less able to use it. In fact, there’s an old saying based on this principle. “If you don’t use it, you lose it.” It’s so reliable a principle, you can find it in the Bible. while this article isn’t about spiritual health, both science and social wisdom agree with the Bible that productivity is required if we wish to continue functioning.

Productivity And Body Chemistry: Every body functions as a goal-striving, achieving mechanism. We were designed to do stuff! When we stop doing stuff, we break down. Early studies discovered a group of chemicals produced in our bodies whenever we engaged in sexual intercourse…endorphins. They are largely responsible for our drive to reproduce. These chemicals are better than anything at the pharmacy or on the street. They reduce stress, relax us, give us a euphoric feeling, make us happy and reduce pain. In fact, next time she says, “I have a headache.” tell her that’s why you were offering sex. There have been some amazing discoveries, recently, concerning these endorphins. We learned that physical exercise produces them. Then, we learned that any kind of productive physical activity produces them. People don’t sing because they’re happy…they’re happy because they sing. In fact, we’re learning that mental exercise and activity produces the same chemicals. Just reading a book or listening to music…doing something…produces endorphins. Over time, these endorphins are very effective at relieving many mental illnesses, including anxiety and depression. Just like our sex-drive, we were designed to be productive, achieving beings. Our physical health and our mental health depend on it.

Here it is…a shocking and simple method to maintain our own mental and physical health…be productive. Unless we’re suffering a severe mental or physical disability, we have control over our physical and mental well-being. Feeling down? Listen to music, whistle! Feeling anxious? Take a walk, mow the lawn! Don’t feel like exercising? Exercise and you’ll feel like it! Start slowly if you haven’t exercised. Try a 10 minute walk and gradually build up speed and distance. Eventually, we get to a tipping point, where we feel happy and fulfilled most of the time, and that happiness, believe it or not, produces endorphins. If you’ve been depressed, stressed or anxious, maybe even being medicated for it, how would it hurt for you to start an exercise program or take classes, do volunteer work or take up singing. You want to be healthy and happy? Step up your productivity! That’s what we were designed for.

Glen Williams is Webmaster for http://www.e-health-fitness.com, founder and CEO of EHF, Inc. He has done extensive research on personal and family health and fitness issues and has been helping and advising people on health since 1987. You can comment on his articles at Health And
Fitness Forums.

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Picking what kind of home insurance you will get for your home is important. A lot of times you might go with an insurance you don’t need or forget one that is really needed. When looking for home insurance the first thing you can do is research as far back as you can to see what disasters happen in your area. When researching if you find any disasters that happen no matter how long ago, it will be wise to get an insurance package that covers that disaster. If something happens once in an area it can happen again.

Another thing you can do when looking for home insurance is find a plan that covers most of the items in your home. The last thing you want is something to happen and most of the things in you home are not covered. The insurance company will not pay for anything not covered by your plan. One last thing you can do when looking for home insurance is research and see what companies refused to pay when there was a natural disaster.

No matter how big or small this company name may be. If you are paying your hard earn money to protect your property and the property of your love ones, the insurance company should live up to their part of the bargain. If you find a company that refused to pay it is not wise to do business with them. Picking the right home insurance plan can be time consuming and difficult, but if you use the information you read here it can make this difficult process a bit easer.

A good web site where you can see more information on topics like this is Real Estate Facts which is highly recommended. Thank you and enjoy.

“If life were an accident, why would we be here on Earth?” asks Jenna, age 6.

The “why” question is what separates humans from animals and other living things. Animals don’t ask “Why?” They don’t question their destiny or pose existential questions. Dogs don’t long to be cats. They instinctively chase cats, but never wonder why they do it.

“Why?” is reserved for human beings. Inside of us, there’s a longing for purpose, meaning and destiny. Without it, people turn to mush. Kill desire, and watch people languish in apathy and indifference. Psychiatrists make a good living from giving advice to hopeless people. If we’re just accidents spinning through the universe, why should we feel lost without a sense of purpose?

“There is a reason for everything!” says Whitney, 9. “God doesn’t make mistakes. We know God made us for a good reason. God loves you!”

What is it about movies like “Braveheart,” “Chariots of Fire” and “Gladiator” that stirs men’s hearts? Women flock to “The Princess Bride,” “Gone With the Wind” and “Sleepless in Seattle.” Why?

As author John Eldredge says in his book “Dare to Desire,” men long for a heroic battle, an adventure and a beauty to rescue. Women long “to be pursued and fought for, to be swept up in a great adventure, to be the beauty.

“In the long run, it doesn’t matter how well we perform or what we accomplish — a life without heart is not worth living,” Eldredge writes. “To lose heart is to lose everything.”

The Bible says God has placed eternity in our hearts (Ecclesiastes 3:11). People who listen to their hearts will hear the question “Why?” Those who are brave enough to follow this inner voice will seek the answer and find it in God.

Those who don’t listen to their hearts live contradictory lives. No one gets out of bed in the morning without some purpose for living.

“God created all things on purpose,” says Carlee, 7. “He wanted something to enjoy, and that thing is you and me.”

“The steps of a good man are ordered by the Lord, and He delights in his way,” wrote King David (Psalm 37:23). Yes, God created us for his good pleasure, but he also made us to enjoy fellowship with him.

The accidental worldview, which is the inevitable result of the evolution theory, can never satisfy a person’s deepest desires. Many who embrace this worldview cast off all restraints and live in hot pursuit of pleasure. Why not?

King David, the man after God’s own heart, had a radically different view of pleasure from the one we commonly see portrayed in the media. Speaking of God, he wrote: “You will show me the path of life; in your presence is fullness of joy; at your right hand are pleasures forevermore” (Psalm 16:11).

Pleasure with the right purpose confirms our reason for living and fulfills our deepest desires. People who live as atheistic hedonists settle for too little pleasure. God wants to take that deep cavern in our souls and fill it to the point where it overflows with joy, purpose and spirituality, which Jesus described as rivers of living water.

Think about this: “God created you for a good reason because he loves you,” says Aaron. “Just imagine when you are older, and you have only one son. Would you give him up for people who sin? God did that for us.”

Memorize this truth: Psalm 16:11 previously quoted.

Ask this question: Do you live with purpose?

Carey Kinsolving is a syndicated columnist, producer, author, speaker and website developer. To see more material like this, visit href="http://www.KidsTalkAboutGod.org">http://www.KidsTalkAboutGod.org. The Kids Talk About God website contains free, online content for children and families. See Carey’s Kid TV Interviews. Print free lessons from the “Kids Color Me Bible” and make your own book. Let an 11-year-old girl take you on a trip around the world in the Mission Explorers Streaming Video. Print Scripture verses illustrated by child artists. Receive a complimentary, weekly e-mail subscription to our Devotional Bible Lessons.

Bible quotations in this Bible lesson are from the New King James Version.

Copyright 2007 Carey Kinsolving

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Ezine advertising is the best way to make money on the
internet for whatever product or service you’re trying
to promote.

Here’s how to use ezine advertising to make the most
profit for yourself.

Step #1 - You’ll want to find ezines that are in
your target market.

For instance, if you’ve got a product that shows how
to train your dog to do tricks, then you’ll want to
find and advertise in ezines that are related to dog
training.

You can find hundreds of ezines on a variety of subjects
by searching on google.com for “ezine directories” or
check out http://ezinehub.com

Step #2 - Decide on what type of advertising options
you have.

Many ezines that accept advertising offer different
styles of ads.

For example a top spot ad would cost you much less
and is placed at the very top or beginning of the
ezine.

A top spot ad is normally around 5-8 lines long.

Another ad spot and the best to use is a Solo Ad.

A solo ad is an ad for your product or service that’s
sent to the entire subscriber base all by itself.

Solo ads are usually 15-500 lines long.

Solo ads are more expensive but will always make you
more money with your ezine advertising.

If you’re on a tight budget or want to test the
effectiveness of your ads and product, then chose
the top spot ad.

Step #3 - Once you’ve found a winning ad, remember to
find other ezines and roll your campaign out.

If you’ve got an ad for a product that is producing
sales for you at a large profit margin, it’s wise for
you to keep advertising.

This is the way to explode and multiply your profits.

However, don’t stop advertising just because your first
ad did nothing.

You must keep testing, and tracking.

Using these simple steps will help you gain the most
profits out of your ezine advertising.

Gary Will Show You Real Ways To Make Money On The
Internet That Work, As Well As The Latest Money Making
Ideas, And Hot New Information Products And Services.
Join now for free at: http://opportunity-advisor.com

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The whole point of refinancing a mortgage is to get a lower interest rate. Here are five ways that will help you to get a lower interest rate when you refinance.

1.-Buy Down Your Mortgage

By paying points, you can decrease your mortgage interest rate. This is referred to as buying down your rate or buying down your mortgage. By paying extra money up front, you can lower your interest rate and save more money over the life of your loan.

2.-Combine All Mortgages
If you have more than one mortgage on your property, when you refinance you should combine all of your mortgages into one. This will help you to pay less overall interest on the outstanding debt that you have on your home.

3.-Do Not Access Equity
The lower the amount of the mortgage, the less the interest rate tends to be. So unless you absolutely need to access the equity in your home, just refinance the mortgage for your current outstanding balance.
More Equity left in your home usually means a lower interest rate.

4.-Comparison Shop

Different lenders have different rates, terms and conditions when it comes to mortgages. Just like any major purchase, you should comparison shop and compare all of your refinance mortgage options before choosing one.

5.-Raise Your Credit Score

Borrowers with high credit scores tend to get better interest rates than those with lower credit scores. Always pay your bills on time and be sure to pull your credit report before you apply for a refinance and make sure that your credit is clean.

View a List of Low Interest Rate Mortgage Refinance Companies Online - We maintain a list of recommended mortgage companies online and update the list regularly.

Poor Credit? See a List of Refinance Lenders for People with Credit Difficulties

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It is hard to win the struggle against excess weight if you do not possess the sufficient information on your “opponent”. But it is almost impossible to find a beautiful figure, being guided on well-wishers’ advices: whether it be the old girlfriend or the neighbor-fellow traveler in a train. Narrow-minded representations about the reasons of obesity carry the set of mutually exclusive recommendations. As a result it is too easy to get confused and disappointed.

Here are the most widespread myths and misconceptions.

I have got a power, I have got a will, but I haven’t got a will-power

Perhaps, the main charge, shown to “fat men”, is that they do not have will power to stop eating! Sounds like all slim people have “iron character”, and all fat men are weak-willed and spineless; and they cannot control their eating with their own efforts, therefore it is necessary to search for the means directed on appetite suppression. At the same time it is scientifically proved that as a rule, fat people don’t always eat more than slim ones.

Well, I have got such metabolism

“I cannot lose weight because I’ve got slack metabolism” - an idea which very seems pleasant to many fat people who are inclined to a complacent fatalism. Often such thoughts are compensation for the unwillingness to make at least minor efforts for weight loss. In reality, slowed-down metabolism is a disease of people with underactive thyroid gland. Only an endocrinologist can make such diagnosis, usually by means of special analyses can only. The self-diagnostics can turn wrong.

We cannot choose our parents

The overweight people are often are believe that obesity was inherited to them by their corpulent parents, and is really an inevitable “evil”. Therefore, the treatment of excess weight is pointless, as they believe. You cannot cheat the nature “, - they argue, eating the next roll. Actually, genetic predisposition to thickness is proved by nobody. But researchers noticed that if adoptive child is taken into a family of overweight men, who doesn’t suffer from excess weight, in a while he too will get fat. Here is a conclusion: struggling against your excess weight, change your life style, your nutrition system - and you will change yourself!

Single-o

The majority of people suffering from excess weight prefer to be engaged in self-treatment. Recommendations of the doctors are considered equal with girlfriend’s advices. It is necessary to understand that the problem of excess weight is not too harmless. You don’t not ask the neighbor how to cure the broken leg, do you? Giving away your health in others’ hands - it is simply precipitate!

If I quit smoking - I’ll get fat

“I’d be glad to quit, but I am afraid to get fat” - an excuse widespread enough. Really, nicotine is anorexic - the substance reducing appetite. Smokers know that a cigarette smoked before meal muffles their appetite. When a person quits smoking, the organism asks for some “compensation” for refusal of cigarettes: it would be desirable to suck at some sweets. Thus, refusal of smoking entails the increase of appetite. But refusal of cigarettes itself does not lead to weight gain or any metabolic shifts in organism. If one habit changes another and the person starts to gain weight, half an hour of jogging in the morning or in the evening with compensate any unpleasant consequences over and above.

Anthony Voronoff is an expert of WeightLossTabs.com - the site reviewing weight loss market and choosing only the best weight loss pills and supplements to help you reach your weight loss success.

It saddens me to see what we modern Christians think of as a leader. It’s as if someone disconnected our spiritual gifts and we’re unable to distinguish the leaders God chose from the ones man chooses. We tend to see their physical appearance, the political positions they take, the letters before or after their names, the titles on their resumes, and their ability to please everyone as the chief qualifications of a Christian leader. We’re surprised and upset when these people lead us over a cliff, even though we led ourselves there by using worldly standards to choose a Spiritual leader. This article is all about who God says we’re to follow and who’s responsibility it is to make sure we’re following the right leader.

The Title Means Nothing: We’ve all heard it! He’s a “this” or she’s a “that!” Title, education, political position, even looks are all meaningless. Oh, but what if he’s got a Doctor of Divinity degree? Meaningless! It isn’t that we should disrespect someone’s worldly accomplishments. It’s just that these have nothing to do with Spiritual leadership. One of the reasons Jesus, and later, Peter were ignored by the Jewish leaders was because of their lowly status as carpenter and fisherman. Here, we see a great example of worldly and Spiritual leadership. The chief priests wore flowing robes, had the best Scriptural training, were born in the best families. Everyone honored them, obeyed them and gave them preferential treatment. They made their living from the offerings given to God. In fact, many regarded them as gods. Yet, Jesus, truly God, was scorned, ridiculed and executed by the very people He came to save. The same is true of leadership today. We’ve all seen dedicated people of God who have little formal training, but decades of studying and living God’s Word. Yet they go totally ignored or worse, by Christians, simply because of their looks or speech or humble employment. If we’re to be followers of the one true God, we must be willing to hear Him when it comes to who He chooses as leaders. We must be discerning enough to use God’s Spirit in us to rule out the pretenders.

If They Don’t Say What They Do, Don’t Do What They Say: Pretenders are people who are perfectly willing to use position and manipulation to tell you exactly how to live, but don’t live that way, themselves. I once knew a pastor of a large Christian church who felt justified in accepting sexual favors from the wives of several church members, while ignoring his own wife. You never got a more compelling sermon than when he preached on sexual sin. This is an extreme example of what goes on in countless churches all over the world. More common is the pastor who preaches on loving Christian relationship but keeps a “professional” distance from the congregation. Yes, I knew a few of these…one left the church as fast as he could and lived as far as he could from the church, to avoid the people. Yes, listen to their words, but watch their hands and feet. Many of these people are in their positions because of their skill at spinning entertaining tales about the truths of life, but have no interest in those truths. They are the pretenders Jesus and Paul cautioned us about, false leaders who will say anything our itching ears want to hear, to lead us away from Christ.

From Fruitful Fellers Flow Fresh Fruit Followers: Jesus told us how to discover pretenders…by the nature of their fruit.. He said good apple trees won’t have thorns and thorn bushes can’t produce apples. Jesus told us to examine the fruits of someone’s ministry before we join it, yet how many of us do that? What is the character of the minister’s chief followers? How are the people maturing? Are there a lot of bad apples hanging around? Do you see evidence that the Holy Spirit is working in the live of people? Jesus put the responsibility squarely on our shoulders as to who we followed. If you’re being led over a cliff it isn’t the leader’s fault…it’s the follower.

Listen To Learn If The Leader Is Listening: Faithful followers listen to God, and check to see if the leader is hearing God, as well. Acts describes the Bereans as faithful because they checked the Scripture to see if the Apostles were telling them the truth. Paul gave an assignment to everyone who is not the speaker in church…to listen to what the speaker says. Why? Not so you will always do what the speaker says, but so you will always know if what he says is from God. The Bible says you need no one to teach you except the anointing of Holy Spirit which is within you. Your responsibility in church isn’t to follow in lock-step with the appointed ruler, but to question and challenge and investigate what the “leader” is saying. If any minister thinks you should take whatever he says as if it’s from God, he isn’t a minister assigned by God…he’s a pretender.

True leaders are those who live the love of God. You can see the matured fruits of the Spirit in their words and actions. If they find a conflict between the Word of God and what they see happening, they will try, out of love, to correct it, rather than find a political solution that leaves people in sin. True Christian leaders have fruitful followers who display maturity in Christ. If you got to this part of the article without being angry at me, you may see a true Christian leader when you look in the mirror.

Glen Williams is Webmaster for http://www.web-church.com, an Ordained Minister, Founder and CEO of E-Home Fellowship (EHF), Inc. He has been active in ministry since 1989. You can comment on his articles at Web-Church
Christian Forums.

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What most men want to learn about attracting women has nothing to do with attracting women.

Instead, they want to learn how to avoid failure and rejection with women.

Let’s face it if you knew that no matter what you could not fail with women it wouldn’t matter much if you didn’t really know how to attract women.

Yet, the reality is “failure” and “rejection” is always a possibility in any interaction with a woman, if your definition for those words has anything to do with the word No.

However, the truth is without failure or rejection you can never successfully attract women.

The best you can hope for is a woman successfully attracting you, which may or may not be a good thing.

Women like a man who isn’t afraid of going and getting what he wants; and the best way to show her is to take the next step right when it becomes available.

You might think that avoiding rejection is going to lead you to attracting her in some other way, yet the only place avoidance will lead you to is someone else (if you are lucky).

If that isn’t bad enough more times than not if you had simply been willing to accept rejection you would have been rewarded with creating attraction in a woman and so much more.

Now, it is important that you understand when you face rejection from a woman there is a chance that she will reject you.

Yet, if you had avoided the possible rejection you still would have ended up in the same place only it would have taken much longer.

The important thing to remember is avoiding rejection is the same as avoiding success.

In addition, facing rejection is the same thing as facing success.

Teddy Shabba is a Dating Coach for Men who has a daily newsletter that provides you with a wealth of information on how to be more successful with women. You can sign up for the Teddy Shabba Dating Advice Newsletter for Men now.

Also with over 500 articles from a variety of dating experts just for men our Dating Advice and Seduction Article Database is the perfect place for any man.

To learn more about Overcoming Rejection visit our article section Rejection Today