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Government: public services Individuals are forced to provide welfare to protect others and restricted in other ways for "protection from themselves"; force rationalized through altruism and bogus government compassion All insurance is volitional, and rational decisions enable everyone to survive for himself Anti-tax legal challenges
Naturally, there are cultures and different ways of living, seeing things, and doing business. Natural cultures of conscious people differ from tribal, unconscious cultures and anticivilization societies in the point that they do not include unconscious habits, conditioning,[link widoczny dla zalogowanych], or automatically accepted "public opinions". Habits and common ways of lifestyle exist not because of the authority of a leader or of society views them as necessary, but only because they are explicitly reviewed by each conscious being which adopts them, and found to be objectively beneficial to individual life, well-being and happiness. There are no irrational taboos or limits as to what any individual can do either, including areas of free opinions, sex, and personal power. Still, no freedoms of an individual can hurt the rights of anyone else, because of the natural principle of using force only for immediate self-defense.
Finally, laziness and boredom are also absent. The natural, unrestricted, unconditioned mode of existence for a conscious individual is the feeling of happiness and the absence of negative emotions. Positive emotions are the basic motivation for exerting effort that lead to ever-new accomplishments in life for oneself and others. Those accomplishments, in turn, ensure an individuals self-esteem and happiness, and therefore the motivation for further accomplishments.
Government: Taxes Mandatory taxes necessary to keep this civilization stable Freedom from taxes and other force stabilizes and improves society, economy and individual wealth of everyone Withdrawing support including through legal meaures God God is the holy father, the absolute authority, an existentialistic uncomprehensible entity, or a platonistic metaphor for the order of society and the State God as authority and as an unprovable idea is irrelevant; individuals believe in their own strengths and virtues and only they possess unlimited potential through real, self-controlled actions Secular Humanism
Life: Meaning and purpose The purpose of one's own life cannot be grasped by a mind clouded and distracted by all-pervasive irrationalities Continuous effort of thinking about one's own path in life and making necessary planning and corrections is natural Personal
From those upside-down institutions and opinions arise further destructions, from subtle personal problems and personal self-deceptions (mysticisms) to murderous movements, insane self-destruction,[link widoczny dla zalogowanych], and society-sponsored oppression against the most natural and valuable attributes of conscious individuals. Those structures are not directly necessary to maintain a force-backed rule, but are a direct, incurable result of that rule and the effect on civilization. They include: breakthrough preventing regulations of life-sustaining, life-saving, and life-improving medicine/science/technology/progress/business, sugar/drugs/time-wasting self-destruction, personal tragedies caused by external destructions and force, the inevitability of ultimate death, religious and political condemnation and corruption of sexual values, isolationism, racism, immigration policies,[link widoczny dla zalogowanych], religious terror, political-revolution terror, police-state terror, government control and intrusion in private lives, criminal bureaucracies. The irrational structures resulting from an upside-down manipulation of natural perspectives and the unnecessary suffering and stagnation they cause are the fifth layer of an anticivilization.
Justice: law Victimless "crimes", from illegal possession to thought "crimes". Politics, lobbyists, lawyers can subjectively define what constitutes a crime. Objective crimes are only the direct initiation of force, fraud or threat of force Free Nation Foundation
Seen from the wider scope of the natural way of life for conscious beings, all structures, fundaments and laws of an anticivilization are invalid; in fact, they are based on illusions which are dispelled when seen before the whole picture of reality. Natural conscious life logically follows along the rules of evolution. Preservance of the individual self is the highest good for every rational conscious individual. Control and self-control is the most important mechanism. In fact, because a conscious individual can grasp anything in existence it has the potential to control and do everything.
News: business dynamics The news media profits by advancing the importance of politics and other authority-related areas, satisfying public demands Without a demand for politics or authority, the news media resorts to beneficient, productive business/science/art topics to profit Slowly appearing unpolitical cyberspace news, likeslashdot
No action is required
Philosophy: Values The definition of values is distorted, arbitrary or bogus The individual (you) is the highest value, all other values are relative to an individual's objective needs Personal
Government: politics A monolithic force-backed, authoritative state influenced by power-and-fame-hungry politicians and lobbies supporting various unproductive institutions Without force, governments are forced to exist in a voluntary, competitive business mode Libertarian defense-only government Individualism The populace, knowingly and unknowingly, supports the subtle violation and erosion of individual rights Everyone supports and enforces the protection of everyone's individual rights Neo-Tech Advantages
Government: travel, borders,[link widoczny dla zalogowanych], business Job regulations and forced welfare let governments rationalize racist immigration policies Free travel, migration and work empowers individuals, economies, civilization Open borders
Health: diet Diet and eating habits are neurotic, habitual, or purposely self-destructive Diet and eating habits are the means only to maximum health and well-being. No drugs. Individuals consequently inquire about, learn and apply all scientific facts. Life Extension Foundation
The most efficient, unbeatable leaders at the top of anticivilization hierarchies explicitly understand and exploit all five layers, enlarging the resulting problems for purposes of increasingly gaining values, support, control over public opinion, distractions from the core problems, and fake-ego-boosting arbitrary destructions of values. The anti-civilization is a multi-layered monster. The lifeblood of that monster is the conscious evasion of reality by its inhabitants. Thus, that monster is actually a ghost, based on nothing, and is vanished by reality.
The effects of following authorities results in inefficient structures created by those authorities, which are again accepted because of deceptive manipulation. Inefficient and harmful structures include current governments, laws, education,[link widoczny dla zalogowanych], academe, health system, science, suppressed free businesses, institutionalized government business, media, societies, and individuals and individual opinions. The institutions that support manipulative leaders and their system of force are the third layer of an anticivilization.
Unnatural Civilization
Government: protection Governments jail and intimidate the productives, while neglecting legitimate, necessary security and protection Governments protect against real offenders, including those who harm and intimidate the productives Libertarian defense-only government
Society: conformism Conformity is mandatory. Neurotic, compulsory strive for being and staying socially acceptable. Individuality is mandatory, and no collective social standards exist. Personal
An unnatural civilization is an anti-civilization, anti-life and anti-reason. It can only be created when societies of conscious people learn to grasp all concepts including those for evading reality, irrational, dishonesty,[link widoczny dla zalogowanych], deceptions and self-deceptions, and chose to apply rather than dismiss them. On earth, those deceptions were and are introduced into people's minds and culture by leaders in religions, politics, philosophy and media. During evolution, the human mind depended on authority,[link widoczny dla zalogowanych], until consciousness was developed. As a part of biological history, conscious men still implicitly seek authority in others in form of religions and leaders, or are at least susceptible to manipulation by any self-proclaimed authorities. Those "authorities" usually exert their manipulations in exchange for power over disempowered individuals, and values from expropriated individuals. Deception, self-deception and reality "evasion" is the first layer of an anticivilization.
The fundaments of an unnatural civilization
Beyond Libertarianism
Government: bureaucracy Governments are parasites; they dishonestly expand into every area of life and society to justify themselves and usurp values. Unnatural institutions IRS, FDA, DEA, EPA, INS, criminally harm people, directly and indirectly Governments that do exist only fulfill the function of providing immediate physical safety from aggression. Only voluntary, competitive services exist Libertarian defense-only government
The anti-civilization is also a multi-headed hydra. Its structueres exist for over 3000 years and are essentially the ultimate manifestation of artificial complexity. Keep fighting one issue, or even many issues at once, and you succeed at correcting them. Meanwhile, many other issues that you don't control will worsen. When you care about those issues, other issues will spring back to the status-quo. Individuals cannot beat or reform an anti-civilization -- they can only, and must, withdraw from it, to act toward their best interests. Every individual can leave the anticivilization. When all individuals, except the parasitical leaders and their supporters, have left the anticivilization, it will cease to exist, no fight and no reform necessary.
Beyond Objectivism
Improving one's own personal philosophy, and life situation in general, not primarily society, is the most important key to all forms of change,[link widoczny dla zalogowanych], and any constructive improvement should be oriented around oneself, not society. Libertarianism as a movement misses out on those issues, as well as it undergeneralizes fundamental moral issues, including even condemnation of clear initiatory-force crimes from taxes, immigration, the business/ government corruption that does exist, as well as religious destructions. Libertarianism does not explicitly enough state the categorical immorality of compulsory government systems and the inherent injustice, as well as not speaking out on the evils of initiatory-fraud-and-force organised religion. But, those are structures that make up the fundamental incompatibility of the current civilization with natural, prosperous reality. Some aspects of libertarianism lack honesty and are too pragmatic while missing out on personal issues, therefore libertarianism is missing its goal of a majority audience of productive, innocent individuals world-wide. It fails to aim toward a *fully* rational civilization of *full* justice for everyone -- not a improvement toward liberty within anticivilization boundaries, but a radical clean-sweep from all destrutive politics, religion, force. As public libertarianism erodes the force-backed injustice from a position within the anticivilization, it, like any other anticivlization movement, no matter how good-intentioned the motive and goal, ironically has to stay acceptable to the anticivlization structures in order to survive.
The basis of objectivism is reality, however, the practical expression as a form of philosophy lacks safeguards. Not only are single persons able to to claim philosophical authority within objectivism, and thus undermine key aspects of the philosophy, especially its focus. That focus goes toward eliminating criminalities, especially the force and governments, not toward bringing about change by "perfectioning" single individuals and going through the definition of the same philosophical words and concepts again and again. But, objectivism also lacks a safeguard against the establishment of dogmas. Dogmatically manipulated objectivism can ironically resemble in some ways the christian kind of dogmas. The condemnation of human aspects that are not perfect or "fully aligned" with the "ideal" objectivist philosophies is misleading. Especially, no moral or significant value judgments can be made about a persons immediate emotions, and a persons actions and views regarding amoral subjects, i.e. subjects that are neither destructive (including laziness and self-destruction) or objectively productive. Current objectivism tends to be dogmatic and too elitist, especially in its style, to reach its broad goal of reforming civilization by liberating and empowering the individual, instead of criticizing it, by criticizing the anticivilization structures, instead of paying attention to anything else. Still, genuine objectivist philosophy remains the single most important philosophy of thought and self-liberation for any movement, business and individual.
Science: applied technology Application of technology is limited, rationalized through environmental concerns Application of technology solves all environmental problems and limitlessly progresses beyond Not yet Money Money is demonized; money systems owned and transactions regulated by governments; increasing amount of taxes Money is seen as equivalent for exchanging tangible values; monetary systems are decentralized and voluntary Cybercash solutions like e-gold, not yet anonymous and decentralized though
Mind: understanding Urge for externally proclaimed meanings and purposes in one's life philosophy The conscious capability to know and understand everything utilized obsoleted any external guidance Self-introspection/self-growth
Mind: authority and guidance Guidance from "above" and others: false authorities are trusted to set one's short path throughout life Guidance in rational self: oneself determines rational life-enhancing steps that set one's infinite path throughout life Conscious control; Understanding the bicameral mind Art Art and entertainment provide implicit authority, guidance, diversion from the stress of self-responsibility Art and entertainment provide reflection on own accomplishments and values derived from one's own self-responsible effort Non-establishment cyberspace art/entertainment
Business: morals Under "moral" pressure, business resorts to selfless actions which harm themselves and society Free business resorts to selfish actions which ultimately benefit everyone New business paradigms,[link widoczny dla zalogowanych], like Global Wealth Power
Each aspect lists a resource on how to affect the switching from an irrational mode to a rational mode on a large scale, if applicable yet. The genuine understanding of each comparison is sufficient for an immediate, permanent adjustment from the irrational to the rational mode in one's own life. On genuinely understanding each particular difference, one will subsequently decide and act in one's own best interest -- towards individual survival, benefit, success, happiness. No additional action is required.
Paradigm Shifts
Philosophy: morals Selfless philosophical and moral orientations Self-growth is the ultimate goal Objectivism Science and Technology Science dominated by traditional goals and academic dogmas. Thought is limited by traditional concepts. Science is led by competitive free business, goals are creating the most important values for individuals. Thought and subsequent progress is unlimited and experiences frequent paradigm shifts. Not yet Business Global business is under attack. Manipulated people cry for force/regulations Globally unregulated business and trade is protected as all individual rights of entrepreneurs are protected in absence of force. WTO Power Life dominated by irrational strive for power, destructive short-term fun, and fame, for immoral power over others Life dominated by carefully planned actions for long-term values and -happiness, for power over one's own destiny Rational egoism
The following 100 steps are a 100-piece puzzle of a full comparison between an irrational and a rational mode of existence for conscious people. One only needs to integrate each comparison from a rational, scientific, cause-and-effect perspective, to understand the difference between the rational and irrational aspects. Those comparisons are applicable both on a global level,[link widoczny dla zalogowanych], to society, and on a personal level, to oneself and one's own artifical problems which may or may not exist for each particular aspect.
Unlike in an anticivilization, death is not inevitable in a natural civilization. Conscious individuals have the three tools required to overcome their own biological limits: the conscious capability to understand their own mortality and the problem of a limited lifespan, their own rational self-interest, and the capability of scientific thinking that yields potentially unlimited technological progress. Free of false escapes such as mystical immortality or life-after-death visions, the goal and necessity of conquering death through science, progress, and business become obvious. Free of "ethical" limitations, altruistic burdens, and of government force, a natural civilization that persists in a rational mode soon makes scientific achievemts that obsolete that death inevitable for non-conscious beings.
The use of force is really used to sustain the needs those leaders, by expropriated values, including but not limited to taxes, and freedoms of individuals. It must be rationalized,[link widoczny dla zalogowanych], however, to be broadly accepted. In an anticivilization, ends justify the means, the "common good" or "higher good" are valid life goals, society and minority rights come before individual rights, and sacrifice, especially for political and religious related goals is desirable. The "justification" of force and anti-individualism through the use of authority to form "public opinions" and a macro support structure of parasitic leaders is the fourth layer of an anticivilization.
Business: competition False business dominance through government-force based deception Business dominance only through hard-effort competition Separation of economy and the state (not yet)
The fundaments of a natural civilization
Aspect
This publication, Paradigm Shifts, may be the most efficient, easiest manual for self-improvement available. But beyond that,[link widoczny dla zalogowanych], it is the ultimate mind tool for identifying and overcoming all unnatural problems, destructions and conflicts on a personal scale for oneself, and ultimately on a global scale for everyone. It reveals the basis of the current, world-wide anti-civilization, from which all unnatural problems arise, and compares all aspects of that current civilization with a natural civilization, in which conscious beings live free of all the artificial boundaries.
Life: Life cycles Irrationality -> Laziness -> Unhapiness -> Destructivity -> More irrationality No Irrationality -> Conscious effort -> Productivity -> Happiness -> Motivation -> More effort Productive Work
Society: Limits "Society" (actually the anticivilization leaders) impose limits on personality, finances, lifestyle, health, happiness All aspects of life have a naturally unlimited positive potential Libertarianism Love and Sex "Love" is mostly faked, neurotic, equivalent to superficial sex, or selfless Love is free of guilt, genuine, mutual, and can be romantic or individual, all based on the values, happiness and self-esteem of individuals Personal
The anti-civilization deceives observers by its stagnant cyclic dynamics -- all its illusions go from bad to better, from better to worse, and then back.
Happiness: dynamics Evasions of reality lead to downward happiness spirals of disease, depression and conscious self-destruction, ending with ultimate death Honest exploration of reality lead to upward happiness spirals of health, self-esteem and efforts within a free environment, which are ever advancing Personal Death Psychological self-affected decline into age and then death is seen as mystical destiny and taken for granted Permanent youth and health is eventually natural for everyone, and sustained through autonomous, continuous personal effort and growth New Perspectives on Unlimited Longevity
Today, a shift from an irrationality-and-death oriented civilization to a reason-and-life oriented civilization rises to a new urgency. Positing and grasping the primary differences between the two modes leads to ever new combinations and integrations of concepts which each reveal a current fundamental problem in the perception of people and structure of civilization, and at the same time offer a rational counterpart to be achieved.
Above all, one principle, the only morally mandatory principle, rules a natural civilization: the prohibition of initiatory force, fraud, or threat of force. Using force against others for a reason other than self-defense is the root cause of all evil, which does not exist in nature, unless it is introduced by political and religious leaders to create an anti-civilization. Free from forced government security and public insurances, free from compulsory government-controlled education, free from force-backed regulations of any activity and any property, the self-controlled natural dynamics of a civilization of conscious individuals flourishes permanently.
Natural Civilization
Action-Mode Switch (Example)
Therefore, an anticivilization exists by force against the individual, but that force is either not recognized, or tolerated by a manipulated society. The use of force and fraud other than for self-defense is the second layer of an anticivilization.
Justice: prosecution The state as a moral/social/platonistic "authority" prosecutes wrongdoers through expropriations, jails, taking away freedom, guns, death Only goals of justice are the financial compensation of real-person victims, and the use of forced detention when necessary to guarantee safety from a perpetrator's further destructive actions Not yet Religion Religion is normal, necessary, a refuge. Organized religion silently influences politics and society, and raises to actual power, resulting in oppression and death, when given the chance. Religion is absurd for self-responsible, rational individuals. It is a historical relict, much like slavery and kings of ancient societies. Detox
News: politics The news media portrays politics wrongfully as important, is a strong supporter of and investor in political power The news media holds up individual values and science/technology as important Not yet
Philosophy: recognition of authority Politics, authorities and "the public" are basically everything Politics, authorities and "the public" are basically nothing Depoliticizing society and Understanding the bicameral mind Business Many non-profit movements with arbitrary philosophy and goals, often form mutual alliance with government force Free, independent, creative business is the only necessary movement Free-Market Captialism
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Below is the comparison of the stages of both a brick and block and a timber frame build,[link widoczny dla zalogowanych].
Timber Frame Build.
Stage1,[link widoczny dla zalogowanych]. Purchase of Land
Stage 2,[link widoczny dla zalogowanych]. Prelim Costs and Foundations.
Stage 3,[link widoczny dla zalogowanych]. Timber Frame Kit Erected,[link widoczny dla zalogowanych].
Stage 4. Wind and Water Tight.
Stage 5. Plastered Throughout.
Stage 6. Completion,[link widoczny dla zalogowanych].
As mentioned above there are town types of Self Build Mortgages. These are called advance and arrears mortgages. Most lenders offer the arrears mortgage whereby they will lend you money when each stage has been completed and gives you the money for it. These types of mortgages are for self builders who have savings to finance the work initially or who own the plot anyway,[link widoczny dla zalogowanych].
Because property prices seem to be soaring in some areas of the country, many people have decided to self build and therefore get a foot on the property ladder and reduce their overall costs. Building plots for sale in some areas are therefore becoming increasingly rare. However some areas of the country have seen a drop in property prices recently which has led to developers releasing land banks and enabling some plots to become available. Some people are put off by self building because they feel that they will not be able to afford the costs of the entire project but it is quite similar. The article below will hopefully explain how to get a self build mortgage.
Author's Bio:
Self Build Mortgage.
A self build mortgage is not like a mortgage you have for a ready built property. Self Build mortgages are released in stages as the property gets built and is signed off at various stages. The first initial instalment is to buy the land. It is important to clarify if the payments are going to released at the start of each phase or at the end,[link widoczny dla zalogowanych]. Most mortgage lenders lend no more than 75% of the cost of the land and about 60% of the build costs. A really good lender is Buildstore who tend to lend rather more,[link widoczny dla zalogowanych]. However many mortgage lenders simply take into consideration your income and your ability to repay. Many mortgage lenders offer Self Build mortgages such as Halifax through BM Solutions so it is worth asking around.
Brick and Block Build,[link widoczny dla zalogowanych].
Stage 1. Purchase of Land
Stage 2,[link widoczny dla zalogowanych]. Prelim Costs and Foundations
Stage 3. Wall Plate Level.
Stage 4. Wind and Water Tight
Stage 5. Plastered Throughout.
Stage 6. Completion,[link widoczny dla zalogowanych].
These scenarios will need to be considered when you initially decide to self build.
By Fiona Davies
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The Accelerator mortgage is perhaps best for those who require money to buy the land and want the money up front to pay builders. These people tend to want to keep living in their houses and not sell simply to fund the build.
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You should be aware of the FAFSA and its offerings. The FAFSA helps you to calculate the amount of money you or your family are able to contribute towards your higher education cost.

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Most of the business owners need financial help to conduct their business whether it's on a large scale or a small scale. Financing arrangements in the form of unsecured/secured loans is a frequently used method for meeting business operations and expanding its diameter. Now repayments of these credit obligations along with payments to other business creditors can really put you in a demanding situation. What follows later is to give you an effective outline of how one can manage trade creditors without effecting the business operations. Business debt help advice depends on the type of the business i.e. Sole proprietorship,[link widoczny dla zalogowanych], limited companies,[link widoczny dla zalogowanych], unlimited companies or partnership.
Debt management and sole trader
Individuals running their personal businesses having debt issues can use methods like IVA/bankruptcy and debt management. The IVA legislation was designed and launched for sole traders providing them guidelines to manage their debts and continue their businesses viably. The IVA technique for business debt help covers every unsecured debt like trade creditors,[link widoczny dla zalogowanych], HMRC liabilities and overdrafts along with other personal obligations like credit cards and loans. Best option for a sole trader in financial trouble is to consult a practitioner of insolvency who can get them out of this hole and at the same time protection of assets is insured.
Debt management and limited companies
Companies in financial difficulties can employ voluntary arrangement programs with Debt Management help consultants and experts. Under such arrangements a company enters into an agreement with creditors to settle what they owe to them in an agreed period. A nominee or insolvency practitioner conducts the process and different proposals are made to creditors in a meeting. If 75 percent of the creditors by balance agree,[link widoczny dla zalogowanych], than the proposal becomes binding on others too who were aware of the meeting and had the right to cast their votes. CVA technique is better then forced liquidation for both the company and the creditors because not only it settles the debts but the creditors can earn more through further trade with such company. The CVA proposal is designed by directors with assistance from the debt management help consultants/ insolvency practitioner and then the proposals are provided to the interested parties i.e. creditors,[link widoczny dla zalogowanych], shareholders,[link widoczny dla zalogowanych], court providing notice of 14 days to creditors for CVA meeting.
Partnership and debt management
Partnerships can be of both limited and unlimited liability. Partnership debts also put the partner's personal assets at stake. Like limited companies,[link widoczny dla zalogowanych], voluntary arrangements technique can be utilized by partners but the situation here is a little bit tricky as the partnership structures vary a lot according to the decided agreements between partners. Debt management help consultant's looks into the financial status of the firm along with the personal circumstances of each partner e.g one of them might not be that much at risk because of having no personal assets. Another technique which all the above businesses can utilize are the consolidation techniques for debts but again the key is to hire good consultants.
By Johnson king
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Wire Strippers. Primarily needed to strip off the insulating coat from around the wires. Handily, a good pair of wire strippers will be designed with an integrated size guide, enabling you to neatly strip wires of different diameters, while leaving the wire underneath intact.
For health and safety reasons improper tools should not be used to complete electrical work, tools with insulation are a necessity as electricity can be so hazardous. Selecting the best design is important as you need your tools to feel comfortable in your hand, particularly because you will require them every day. Repetitive movements can cause nasty hand and wrist problems,[link widoczny dla zalogowanych], the tools you purchase can reduce the chance of pain when you are older.
Pliers. Pliers are perhaps the most important tool an electrician will need as they are used every day. Side-cutting pliers (sometimes called snips or diagonal pliers) are required for snipping wire. The shape is purposely designed to allow the cutting of wire in tight spaces when other tools might not be suitable. Needle-nose pliers have long thin blades that come together in a point, they are used for gripping and cutting narrow wire. This tool is particularly useful when you are working in a space that is crowded or the wires are small.
Nut Drivers. Also called socket sets, they look similar to a screwdriver, and are used for fastening nuts and bolts, giving you the increased torque to do so. A set of nut drivers will include the main driver,[link widoczny dla zalogowanych], accompanied by varying sizes of interchangeable sockets, making them useful and space saving.
Fishing Tool,[link widoczny dla zalogowanych]. A fishing tool is needed by electricians to manipulate wires behind walls and other structures. It's composed of a metal or plastic case that covers a thin piece of flexible metal coil,[link widoczny dla zalogowanych]. Rather than having to knock down areas of a wall a fishing tool can be fed into a little notch in a wall and is used to pull cable through.
With a broad amount of choice it is hard to decide on a particular brand. Have a look at forums to see what other people advise. When you've got an idea of the tools you may buy check out reviews on the internet to aid your final choice. High quality tools will last a long time so think carefully before buying as this equipment will remain in your toolbox for years-that is if they haven't been misplaced!
By Charlie Maine
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An electrician's tool kit is full of different tools each designed with a specific purpose. Once you have qualified as an electrician you will need to get hold of a number of tools including pliers and wire strippers for daily jobs. Don't rush and buy all that you may need immediately,[link widoczny dla zalogowanych], begin with the essentials and then assemble your kit as you go along. Always look for quality tools as they will last you.
Every trained electrician should have an array of tools to help them with everyday activities from screwdrivers to pliers,[link widoczny dla zalogowanych]. If you have newly completed an electrician's training course and are looking to equip yourself with all the primary supplies then this could be of use to you,[link widoczny dla zalogowanych].
Multimeter. A multimeter is a portable device that is needed to test for electrical problems and is a particularly useful gadget in an electrician's tool kit. This measuring device has several functions in one; measuring current, voltage and resistance to a high degree of precision.
Measuring Tape,[link widoczny dla zalogowanych]. Other measuring devices are important for all electricians,[link widoczny dla zalogowanych]; a tape measure is required daily by the majority of trades-people,[link widoczny dla zalogowanych]. Do not restrict yourself by buying one that is not long enough; go for one at least 25 feet long,[link widoczny dla zalogowanych].
Power Tools. Commonly required power tools kept in an electrician's arsenal are saws and drills. Lower power drills are preferred for smaller jobs where extra torque is not required, such as delicate fastening switches and plugs etc. The larger hammer drills are needed on jobs when thick surfaces need to be penetrated,[link widoczny dla zalogowanych], for feeding cables through house walls for example.
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We are salespeople, but we are really selling something other than a property. What we really sell to the marketplace is our knowledge. Our knowledge is better and more complete than our competitor’s, which enables us to charge a higher fee for our service.

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a. How you are going to finance the investment.
Although they are actually very different, the real estate industry tends to loosely blur the definitions of "foreclosure properties" and "REO properties" and use them interchangeably. (I am guilty of this as well.) Here is simple definition for each:
These entities work for the banks by marketing their REO properties. Their role is to find people interested in buying foreclosures and help the banks liquidate their inventory of REO properties. (Banks do not want to own REO properties. Holding onto these homes ties up their capital and reduces the amount of money that they can lend, which is their livelihood.)
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5. Properties with mortgage balances greater than the market value of the home. (Sometimes called "upside down" properties.)
In addition to homes involved in the legal foreclosure process, there are two other situations related to buying foreclosures where you can find excellent investment opportunities that can also help out homeowners on the brink of foreclosure, which I call "distressed properties":
Real Estate Professionals:
It is relatively easy to find information about properties going through the stages of the foreclosure process (see #1 & #2 above). During the foreclosure process, various "legal notices" are filed into the public records with the County Recorder's Office and also published in local newspapers.
1. During the "Reinstatement Waiting Period".
There are many companies on the internet offering lists of both foreclosures and REO properties for sale. You can even find their lists sometimes on eBay! However, there are a lot of scams out there,[link widoczny dla zalogowanych], so you never really know how accurate the information you are buying really is. Buyer beware!
* Drive-bys: drive through neighborhoods and look for "FSBO" signs (For Sale By Owner) and start knocking on doors.
4. Properties soon to enter the legal foreclosure process due to payment defaults.
Buying foreclosures and REO properties offers us one of the greatest wealth building opportunities of our generation,[link widoczny dla zalogowanych]. This article is intended to help you learn how to find these properties should you consider investing in and buying foreclosures on your own.
Asset Management Companies:
A number of banks and other lenders provide access to their REO properties on their websites that you can review in your search for buying foreclosures properties. Some are very user friendly and allow you to search using various property characteristics.
* Property type: single family residence, condo, duplex, multi-family apartment building, etc.
Next,[link widoczny dla zalogowanych], when buying foreclosures and REO properties, before you start searching for properties to invest in, you need to get your financing in order. In other words, you need to figure out:
* Real estate agents/brokers: leverage their local knowledge of distressed properties and FSBO's plus their access to the Multiple Listing Service (MLS) which itemizes all local properties listed for sale (except FSBO's).
The most efficient way to find properties in the various stages of foreclosure is to visit the County Recorder's Office and search through the public records. This is usually free and the records are available to anyone. The downside is that it can be very time consuming. But, it is time well spent,[link widoczny dla zalogowanych], considering that you are "sifting for diamonds".
Asset management companies, like some banks,[link widoczny dla zalogowanych], will typically have websites posting bank REO properties that you can review in your search process when buying foreclosure properties.
HOW TO FIND FORECLOSURE PROPERTIES:
* Location: state, city, zip code,[link widoczny dla zalogowanych], neighborhood
2. At the "Trustee's Sale" (aka "Sheriff's Sale") - which is an auction.
DEFINITIONS:
* Fixer upper vs. turn key: how much work & additional money do you want to put into a foreclosure property?
* Number of bedrooms, baths, etc.
REO companies do all of the work for you. This includes buying foreclosures (and REO properties),[link widoczny dla zalogowanych], rehabbing these homes to "move in" condition and then re-selling them. They do this in bulk,[link widoczny dla zalogowanych], acquiring up to hundreds of homes at a time. And the premier REO companies can process these homes in as little as 4-6 months. Then, their investors share in the profits! It is true "passive income".
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Having the property characteristics predetermined will make your search much more efficient. And, having your financing already in place, you are well on your way to begin searching for and buying foreclosures.
Before you consider buying foreclosures or REOs, it is very important to understand the legal foreclosure process and the terminologies involved. For an easy-to-understand summary of the foreclosure process, click here: [link widoczny dla zalogowanych]
REO Companies: (Author's choice)
* Price range
Using the Internet to Find REO Properties:
Author's Bio:
* Profit margin: how much money do you want to make on your investment?
~ FORECLOSURE PROPERTIES: Homes that are in a particular stage of the legal foreclosure process.
3. From the banks as a "REO Properties" (repossessed homes).
To learn more about REO companies, click here: [link widoczny dla zalogowanych]
If you would like to learn more about buying foreclosures:
This is how I invest in foreclosures and REO properties. These entities specialize in buying foreclosures and REO properties - it's all they do. They purchase these homes in bulk from the banks and other lenders, do any necessary rehab work and resell them very quickly at a profit for their investors. They do all of the work! Therefore, it generates PASSIVE INCOME.
U.S. Government-Owned Homes:
Of the 3,000+ counties in the United States, only a few have their public records available via the internet. So, you will most likely have to visit the County Recorder's Offices in person to conduct your search. Some have their records computerized,[link widoczny dla zalogowanych], but most do not, which can make searching for and buying foreclosures very tedious. Plan on spending a lot of long days in these offices.
Whether you choose buying foreclosures on your own or letting an REO company do it for you, it is still important to understand the fundamentals and what is involved.
By John C. Hanlin
See all Articles by John HanlinSee John Hanlin&#039,[link widoczny dla zalogowanych];s Expert PageGet Updates on Real EstateGet Updates on John Hanlin Average: 3 Your rating: None Average: 3 (8 votes) Tweet
RESOURCES:
* Local newspapers & other publications: look in the classified and real estate sections for advertisements with terms like "must sell", "motivated seller", etc.
THE KEY TO BUYING FORECLOSURES & REO PROPERTIES IS "PREPARATION".
Property Listing Services:
Real Estate Investment Clubs:
Basically, the only information that you will obtain from the public record of notices about foreclosure properties is an address for the property. So, this is really just a beginning step towards buying foreclosures.
Most communities have organizations or clubs formed by investors and real estate professionals. These can be great resources for developing relationships and providing good leads for buying foreclosures and REO properties.
Then, you need to determine the property characteristics that you would consider:
OTHER "DISTRESSED" PROPERTIES:
There are several ways to find "DISTRESSED PROPERTIES" (see #4 & #5 above):
However,[link widoczny dla zalogowanych], from personal experience, I must say up front that buying foreclosures on your own can be fraught with risk and stress. In this author's opinion, there is a better way of investing in and buying foreclosures that can significantly reduce the risk and stress. And that is by investing with REO companies.
If you read my webpage on the foreclosure process as suggested above, you may have recognized that there are several opportunities for buying foreclosures during or immediately following the foreclosure process:
Real estate agents and brokers can be invaluable resources for buying foreclosures and REO properties because of their local knowledge, access to homes via "lock-box" entry privileges and Multiple Listing Service access.
~ REO PROPERTIES: Homes that have completed the foreclosure process, did not sell at the Trustee's Auction (or Sheriff's Sale) and therefore the property's title reverted legally to the lender or bank.
Another resource for finding REO properties is government-owned homes. You can bid on properties owned by various government agencies including: HUD, VA, U.S. Marshal Service, Dept. of the Treasury, IRS, Fannie Mae, Freddie Mac and others.
Also, you need to have the money readily available for a fast transaction when you find foreclosure properties that you want to invest in.
HOW TO FIND REO PROPERTIES:
As you now know, there are numerous resources that you can use to find foreclosure properties and REO properties for investment. In fact, it can be overwhelming. The key to buying foreclosures is sticking to the property characteristics that you predetermined at the start of this process. (Especially price range and desired profit margin.)
So, there are really FIVE investment opportunities related to buying foreclosures. The challenge is finding a property in one of these situations that matches the property characteristics that you have predetermined.
As mentioned earlier, REO properties are homes that have completed the foreclosure process, did not sell at the Trustee's sale auction and ultimately reverted to become the property of the banks (see #3 above). "REO" is an acronym for "Real Estate Owned" (by the bank).
b. How much house you can afford.
NOTES:
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Spirulina is the richest beta carotene food with a full spectrum of ten mixed carotenoids About half are orange carotenes: alpha beta and gamma and half are yellow xanthophylls They work synergistically at different sites in our body to enhance antioxidant protection Twenty years of research proves eating beta carotene rich fruits and vegetables gives us real anti-cancer protection Synthetic beta carotene has not always shown these benefits Research in Israel showed natural beta carotene from algae was far more effective Natural is better assimilated and contains the key 9-cis isomer lacking in synthetic As suspected natural carotenoids in algae and vegetables have the most antioxidant and anti-cancer power
Spirulina is an ideal anti-aging food; concentrated nutrient value easily digested and loaded with antioxidants Beta carotene is good for healthy eyes and vision Spirulina beta carotene is ten times more concentrated than carrots
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While it has a very high nutritional value spirulina may also cause some side effects Some individuals may suffer from allergic reactions to this algae including rashes hives and difficulty breathing Some commercial versions of spirulina supplements may have also been contaminated with toxic substances during production It is therefore absolutely critical to buy spirulina only from reputable sources
People with the rare metabolic condition phenylketonuria (PKU) are not able to metabolize the amino acid phenylalanine and therefore should avoid taking spirulina Likewise people with autoimmune diseases such as rheumatoid arthritis multiple sclerosis or lupus should not take spirulina as it could stimulate the immune system and worsen the condition Spirulina may also counteract the effectiveness of certain medicines such as prednisone which are commonly used for treating asthma and other inflammatory diseases
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Spirulina also increases stamina and immunity levels in athletes and its high protein content helps build muscle mass At the same time it can curb hunger that may develop during the most demanding training routines Thus it indirectly acts as an effective way to maintain an athlete’s ideal body weight health benefits associated with Spirulina: Boost the Immune System; Improve Digestion; Reduce fatigue; Build Endurance; Nature's Detoxifier - Cleanse the body; Boost Energy Levels; Control Appetite; Maintain Healthy Cardiovascular function; Support the Liver and Kidneys; Reduce Inflammation; and Benefit People Who Suffer from Allergies
NASA has conducted studies on Spirulina as a potential food for space travel When it comes to space travel the goal is to provide the astronauts with foods that are in rich in nutrients but don't take up much space NASA found that 1 kg of Spirulina had the same nutrients found in about 1000 kg of "assorted vegetables" Simply put when you are feeding your body such a high concentration of healthy nutrients good things will happen The health benefits of Spirulina come from the combination of all the nutrients in the algae but one nutrient really stands out - chlorophyll Chlorophyll is basically the blood of plants It is chlorophyll that allows a plant to transform light into nutrients for the plant - photosynthesis It is chlorophyll that gives plants and algae their green pigmentation
Chlorophyll has magnesium as the central atom while human blood has iron in the middle - but besides that they are basically the same chemistry called porphrin ring Due to this chemical structure numerous studies have shown that chlorophyll can help grow and repair tissues act as a powerful antioxidant boost the immune system and help maintain healthy blood function As Spirulina is an excellent source of Chlorophyll this helps explain how Spirulina can have so many potential health benefits with minimal side effects Author's Bio: By Dr George Grant
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"But those from poor families should be given the opportunity to learn English with native speakers at school. Before that, "The reason some people like my acting, the Korea Meteorological Administration said Thursday.