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Single Mothers by Choice $10.77 The first handbook for the rapidly growing number of American women choosing single motherhood, written by the director of the national organization Single Mothers by Choice. Mattes presents an accessible and personal analysis of the available options and examines the problems, questions and rewards.

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I’m not going to sugarcoat this; I’m going to give it to you straight. It is extremely difficult to get approved for an institutionally (bank) funded commercial mortgage loan now-a-days. In this environment, most investors and most deals are being turned away by the banks, the insurance companies and the Wall Street brokers.

Traditional funding sources have virtually stopped funding any commercial loans that they can’t sell to the Government or to the bond market. Big financial institutions are worried about their own survival, not about making loans.

An investor or commercial property owner’s best bet for a conventional loan is through community or regional banks that have a commitment to their local economies. These smaller, centralized institutions avoided most of the derivatives and the collateralized debt obligations that have disrupted the big national players. Many are still financially sound and have enough liquidity to make small to mid-sized commercial mortgage loans.

But even the community banks have tightened their standards in response to this economy.

Here is a quick list of stipulations that most conventional lenders require before they will approve and close a commercial mortgage in today’s market.

Strong Sponsor / Borrower

The net-worth of the principle deal sponsors must be equal or grater than the requested loan amount. Further, the borrower must have liquidity (cash on hand), above-and-beyond any down payment, equal to about 9 months mortgage payments. They need a tri-merged credit score above 639 and will be required to demonstrate a track record of successful real estate management.

Large Down-Payment or Cash Position

Virtually no commercial mortgage loans are being written at above 75 % LTV (loan-to-value) and seller financed 2nd mortgages have been almost entirely prohibited.

Cash Flowing Property

The collateral property must generate sufficient net-operating-income to cover its own mortgage payment, separate and apart from the borrower. No land loans, no underperforming assets, no rehab or development loans. Stabilized income producing buildings with good tenants and long leases are the only property type banks are considering right now.

Good Location

Lenders are understandably avoiding economically depressed regions of the country. It is exceedingly difficult to find capital for deals in Michigan, Las Vegas, Florida or most of California. Properties will need to be in good locations in relatively strong areas.

Good Condition

Buildings will need to be well maintained and in good condition. Real estate with a-lot of deferred maintenance due will have to be repaired or upgraded before a conventional lender will consider lending against them.

These parameters will disqualify the large majority of conventional loan requests today. Now and for the foreseeable future, only the top tier will find institutional funding available to them. Loan requests that don’t meet the new standards will be forced to seek privately funded loans or wait until the credit markets improve.

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I would make this war as severe as possible, and show no symptoms of tiring till the South begs for mercy. William Tecumseh Sherman

Rarely has an historical figure been both as revered and reviled as William Tecumseh Sherman. For Northerners, Sherman is the man who almost singlehandedly brought about the end of a civil war more bloody and bitter than any war fought before or since on American soil. For Southerners, he is a monster, an arbiter of destruction more brutal and complete than any seen before or since on American soil.

To military tacticians and historians, Sherman is considered the first modern military leader, one whose “total war” on the Southern states he blazed a trail through during his vaunted “march to the sea” would be duplicated in the bombing of London by the Germans in the 1940s, the napalm attacks in Vietnam in the 1960s, and almost every other major war since the Civil War.

A graduate of West Point and a military officer, Sherman failed at both banking and law before accepting a position as the superintendent of the Louisiana State Seminary of Learning & Military Academy in Pineville, Louisiana. He was a popular and respected leader of the students there, students he would later face in battle.

Sherman left the school that would later become Louisiana State University just after the secession of Louisiana; shortly thereafter he became a colonel in the U.S. Infantry.

Sherman’s early career was noteworthy only for the ire he stirred both in his fellow Union soldiers and the press. The concerns he voiced about the preparedness of the U.S. Army in the face of the Confederate forces resulted in his being labeled “crazy” by many. He lost his appointed position, was transferred to another company, and suffered a depressive episode, during which he took leave and returned home to Ohio.

When Sherman returned to service, he was eventually placed under the command of General Grant, a fortuitous pairing. After admirable accomplishments at Shiloh, Vicksburg, and Chattanooga, Grant placed Sherman in control of the entire U.S. Army on the western front. Sherman’s strategy was thus: while Grant dealt with General Lee and the Army of Northern Virginia to the east, Sherman would wreak utter havoc on the west, beginning in Georgia, the ultimate goal the Atlantic Ocean.

If the people raise a great howl against my barbarity and cruelty, I will answer that war is war, and not popularity seeking. William Tecumseh Sherman

Barbarity and cruelty was indeed what Sherman wrought. With an army of nearly 100,000 men, Sherman set his sights on Atlanta, and in September of 1864, captured the city. He ordered all civilians out, and proceeded to burn most of the city. This feat gave him renown, and helped to re-elect Lincoln in that fall’s presidential race.

Sherman and his men continued on toward Savannah, with Sherman boasting that he would “make Georgia howl.” His numbers now down to around 60,000, Sherman and his men descended upon the people of Georgia, using their food, animals, and whatever else needed as provisions, leaving a scorched trail of destruction in their wake. Sherman himself once estimated that he and his men caused over $100 million dollars in damage in Georgia.

And take Savannah he did. He telegraphed Lincoln shortly before December 25, 1864: “I beg to present you as a Christmas gift the City of Savannah, with one hundred and fifty guns and plenty of ammunition, also about twenty-five thousand bales of cotton.”

Sherman’s “hard war,” as he called it, was horrifying for white southerners, salvation for slaves. His goal was simple; in his own words, Sherman explained what would later become known as total war:

My aim, then, was to whip the rebels, to humble their pride, to follow them to their inmost recesses, and make them fear and dread us. Fear is the beginning of wisdom.

By declaring war not on the Confederate Army, but on the South as a whole, Sherman hastened the end of the war. The estimated $100 million dollars in damages included 300 miles of railroad, innumerable bridges, most of the telegraph lines in Georgia and later South Carolina. Travel and communication difficulties were the least of the destruction; Sherman’s armies seized approximately 5,000 horses, 4,000 mules, and 13,000 head of cattle, while appropriating approximately 9.5 million pounds of corn and 10.5 million pounds of fodder. King Cotton was attacked, as well; many cotton gins and mills were also destroyed by Sherman and his men.

Sherman’s “hard war” brought the South to its knees. The Confederacy fell soon thereafter, as much a casualties of hard war as any other factor.

About the Author:

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Article Source: ArticlesBase.com – William Tecumseh Sherman – Total War

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mortgage payment grants

Now is certainly the best time to buy real estate. Not only are homes at rock bottom prices, but with the availability of first time home buyer grant programs, individuals can get free money to help buy their new home. These funds are offered in the form of down payment assistance through various government and private organizations, and can help you reduce the amount of cash needed to purchase your new house.

A first time home buyer grant can be obtained by people regardless of credit, and often times regardless of income. Depending on where you are planning on buying and the grant programs being offered in your area, you may be able to claim as much as $20,000 to use towards your new home.

These funds are often provided to help community development, expand neighborhoods, or improve the real estate market by providing cash incentives. By searching an online grant database, you can find the funds that are currently available and see how much money you can get approved for.

Whatever cash you are awarded through a first time home buyer grant never has to be paid back. This money is provided interest free, tax free and with no repayment terms. Just be sure to spend the money in accordance to the terms of the grant. There are restrictions and specific terms on how you can use the grant money, and as long as you follow those terms you can enjoy the free grant money this is awarded to you.

Search for a first time home buyer grant by accessing the up-to-date directory to find grant funds that are currently available. See how much you qualify to obtain and potentially get your first check in as little as 7 days.

=>> Apply for Grants

See how to obtain free government money to pay off credit card debt, go back to school or even buy your new home.

The Pocket Mortgage Guide $3.99 This value-packed consumer reference by a nationally syndicated mortgage columnist is indispensable for anyone looking to secure a home mortgage. The Pocket Mortgage Guide answers 50 of the most commonly asked mortgage questions, including: How can I find the lowest-cost lender? Should I choose a 15-year loan or a 30-year loan? What is PMI and how can I cancel it? How large a mortgage will I be able to afford? What will my monthly mortgage payment be? What is a “debt ratio” used for and how is it calculated? What is a home equity line of credit and what should it be used for? The book also provides valuable interest amortization tables and is the perfect resource for home buyers.

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grant assistance program

The damage brought by the current housing and mortgage crunch has made buying homes much harder for low and middle-income individuals and families today. With these condition pinning many families today, what has the government and the private sector done to alleviate the plight of those who can no longer afford to buy homes, or are in danger of being eased out of the homes they recently bought?

The Miami-Dade region is one of the hardest-hit areas in Florida, and each urban enclave in this county has also been hit hard by the housing slump. This article will review some of the housing assistance programs in the cities or towns in this area, and how effective their programs have been to help alleviate the housing woes of low and middle income families.

Housing Assistance Programs in Miami Beach

In the city of Miami Beach, the Miami Beach Community Development Corp. (MBCDC) is buying an apartment building built in 1924, and will renovate it to provide 34 rental units to income-eligible seniors. The plan, unveiled by the city of Miami Beach, is for the Villa Maria Apartment Building at 2800 Collins Ave, and with around $1.6 million in HOME project funds, the project is a partnership between the city and MBCDC to ensure affordable housing is available for people most in need.

This housing assistance program provides grants to fund the building, buying, and/or rehabilitating of affordable housing for rent or ownership. The grants may also provide direct rental assistance to low-income individuals. This project is part of the Community Development Block Grant (CDBG) program in Miami Beach, and the current CDBG-funded projects include building Fire Station No. 4 to serve North Beach, renovating the Miami Beach Senior Center at 610 Espanola Way, constructing the Normandy Isle Park & Pool and purchasing a new Miami Beach community health center.

North Miami Housing Partnership Provides Valuable Assistance to Home Buyers

In the city of North Miami the area’s Community Redevelopment Agency (CRA) recently signed an agreement with the Housing Partnership of North Miami, and is now processing applications for subsidies of up to $50,000 for North Miami residents who are interested in first time homebuyer assistance and purchase of units in Pioneer Gardens, and was made possible through North Miami CRA’s partnership with Biscayne Landings. Grants and subsidies are also available for single-family home rehabilitation programs as well.

How Miami’s Commissioner Thinks Of The Area’s Affordable Housing Crisis

Miami city commissioner Mark Sarnoff, thinks he has a plan to save Miami’s slumbering condo market and solve the city’s affordable housing shortage at the same time. However, the CEO of Carlisle Development Group, Matthew Greer, who heads one of the nation’s biggest affordable housing developers, disagrees with his plan. Sarnoff notes that the city should invest in cheap developer-distressed condos when discounts go desperate.

Like, for example, somewhere near the $175-per-square-foot mark. He says the best thing for government to do is just what any savvy shopper would, and that is to keep buying. The commissioner adds that if prices dip as low as $175 per square foot, government should purchase condo units and partially subsidize them for teachers, police officers and the like, as he says that a wide array of condo units are currently available in the $225 to $250 per square foot range, and he expects prices to drop in coming months.

However, Greer argues that the price-per-square-foot comparison doesn’t hold water: The Carlisle group’s affordable housing projects also includes extra support services, like a day-care center, or features like a YMCA center and landscaped parking lot. Greer adds that if the commissioner’s condo plan gains strength, it could take funding away from the rental projects that his firm specializes in, which will in effect transfer government assistance from the poor to the working middle class instead.

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Practical Grant Writing and Program Evaluation $46.43 This brief and practical text is a perfect supplement for program planning and evaluation courses. Program planning, grant writing and program evaluation are discussed, with emphasis on the inter-relationship between these components and how each component emphasizes the others. Readers will learn the development and the implementation of grant proposals, program evaluation plans, data collection and analysis, and report writing.

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The Two-Income Trap $10.65 Describes the economic and social impact of the two-income family, explaining why sending mothers to work has made families more vulnerable economically, pointing to the intense bidding war for housing and schooling in America`s suburbs, and presenting an innovative series of solutions on how to get the middle class back on financial track.

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Homemade cosmetics are fun and easy to make. It’s also a great business venture.

However, certain precautions must be taken.

Many homemade cosmetics recipes do not meet the quality standards required for retail products.

Handcrafters recipes do not usually contain the necessary ingredients to prevent the formation of bacteria in skin care and cosmetic items.

The water and/or oil found in almost all cosmetic products can easily promote the growth of molds and very serious bacteria, unless the correct ingredients are used. A product can be contaminated for some time before you can actually notice any problem, for instance a change in smell or any irritation to the skin.

Homemade cosmetics, if they are to be suitable for sale to others, must have a reasonable shelf-life.

The variety of cosmetic and beauty products is huge – from skin care to hair care, make-up, mens and babies formulations.

The markets for homemade cosmetics are endless.

Hotels and accommodation venues use in-house guest toiletries everyday, then there are beauty and spa salons, hairdressers, pharmacies, gift stores, etc.

For you to start your own homemade cosmetics business and generate profit margins between 500 – 1000 % you don’t need to have a university degree or fancy laboratory.

Most of the equipment you need is readily available for very little cost.

The prefect companion for homemade cosmetics is manufacturing high quality toiletries and cleaning products.

Thee can include handwashes, pet shampoos, and everyday domestic, commercial and industrial cleaning products.

The combination of catering for both markets ensures a steady source of income al year round.

These necessity products are widely used by everyone everyday and create a great advantage for you to expand your business in many ways, promoting your own brand.

With the right formulations, you can make comparable, if not better, products than the multi-national corporations who have previously dominated this industry.

Sam Stein is a retired chemical engineer from Australia.
He is the founder of AustraLab Australia, a unique business concept which reveals the secrets behind the chemical and cosmetic manufacturing industry.
To learn more about how you can become part of this multi-billion dollar industry, see http://www.australab.com

Grants, Business Plans, and RFPs Quick Start (CD-ROM) $24.04 This CD-ROM contains grant templates, sample grant proposals, sample business plans, a quick start guide and everything you need to get started on your grant immediately. This unique collection of items helps you get started on writing grants, running a non-profit and responding to RFPs. This package contains Microsoft Word and Excel templates, example budgets, and FULL sample proposals. Also included are more than 6 different types of proposals with various non-profit tools. This package also contains solicitation letters, and several other bonus fund-raising devices. This CD has everything you need to get grants, loans and run an organization seeking public funds! You should also search and find the companion book: "Government Funding and You" available here. These two products can train you to solicit for your organization and write grant proposals. They contain everything you really need to actually get a sizable request through. Several of the letters and proposals included have already been funded. The user needs to only change to names and get started. Christopher Dixon has done it again with this great piece of grant software.

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Most people can stop throwing their hard earned money away on rent month after month, and get first time homebuyer grants to invest in a new home instead. There is no reason why you should have to work and slave making your housing costs the first priority on the “pay list”, not to mention it being the bulk of your debt and salary, only to hand all of that money over to someone else month after month. Never knowing if this lease will be your last and you’ll have to relocate when it ends, living under someone else’s rules and conditions, sometimes with undesirable neighbors. Let’s face it, renting kind of stinks.

All of that combined with the amount of money you collectively flush down the toilet each year. Even a rent as low as five hundred dollars per month (which is really low balling it) adds up to six thousand dollars per year that you put into your landlords pocket. With the average urban rent being around on thousand dollars, most American renters are tossing out twelve grand a year. Nauseating isn’t it? Well if you are a renter it is. Must be pretty sweet from the landlord’s point of view. Kind of makes you want to be the landlord, doesn’t it?

Well you just may be able to do that, and what’s better is you can do it with free government money. There are hundreds of quite generous free government grant programs available to American citizens and among them are some pretty sweet home grants to buy property with. If you follow the links below, you seriously may be able to go from tenant to landlord in as little as a few weeks.

Imagine purchasing a new property, but not having to pay one cent of the down payment, and then lease a portion of it as a rental property creating an income. Ultimately, you will never have to pay rent again because this is your property, the mortgage payment is being covered by the rent you collect from your tenants, and you made no initial down payment. You have a free home for life. Check into government funded first time homebuyer grants, so you can be the landlord.

Get Grants for Individuals [http://www.govfunds.info/personal-grants-for-individuals] and see how much money you qualify to receive today and never pay back.

Claim your Personal Grants [http://www.govfunds.info/personal-grants-for-individuals]…

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