What You Need to Know When Selling Your Home - Nashville Real ...

Are you considering putting your home on the market? There are many things to consider before placing your home for sale. This video is a great place to start in order to ensure you get the most out of your situation.

The first question you should ask yourself is if you really want to sell your home. I suggest you think really hard about the answer. What are your motivations behind selling? I say this because you may quickly realize that your home is not worth what you thought it would be or that people will not love your home as much as you do. So unless you truly want or need to sell your home I suggest waiting.

The next thing to consider is the price. Are you willing to sell your home in Brent Meade Subdivision at a competitive price? You must price your home correctly to get people in the door. Once they are there, the home will begin to sell itself. Also, the house must be priced correctly so it meets the appraisal price. Appraisers are no longer over pricing homes. This is a huge thing to consider as it may mean pricing your home at a lower cost than you had hoped.

The third thing to think about is that the housing market does not care about your needs. Think about what it would be like to be a buyer. Think about their needs and understand the reasons why they may be responding in the way that they do.

When selling your home you must be coachable. This means that you will be willing to take the advice of your spring hill Tennessee Realtor. Doing your homework on the stages of selling a home is important. However, when you begin to work with a realtor, you should hand over your trust to them. That is why finding a real estate agent that you have a positive relationship with is very important. Just remember that they have your best interest in mind and that they are very knowledgeable in their field.

The last thing to consider is appointment times for showing your home. Are you willing to have your house shown even if the time is not convenient for you? You never know the circumstance a potential buyer is in. They may need to place an offer on a home today. If you say no you may have lost the chance to sell your home to that buyer.

Selling your home is not an easy task these days. Keeping these tips in mind can help you maximize your potential success.

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Credit is What Credit Does: Finance and Economic Growth ...

Posted by Willy De Backer in Austerity, Banking, Eurocrisis, Financial crisis, Financial sector, Sustainability.
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?Most of our credit system does not support economic growth in the sense of supporting transactions in goods and services,? he explains. ?Most of our finance system, most bank loans, support increased asset prices, which have a number of detrimental effects on the economy.?

"The threat to growth today is not a shrinking of the financial sector, but it enormous size.?

Must-read article on the web site of the Institute for New Economic Thinking underlining the need for a radical reform of the financial sector.

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LGBT Investors Express Confidence About Retirement Goals ...

SAN FRANCISCO, May 30, 2012 (BUSINESS WIRE) ?
Investors are faced with complex challenges when it comes to retirement,
including: how to save enough to feel comfortable, where to invest
retirement savings, understanding and creating retirement income
options, and when and where to retire. LGBT investors (lesbian, gay,
bisexual, and transgender) face these same challenges as well as several
unique ones, including those stemming from a lack of federal marriage
and inheritance rights.

Yet in a recent nationwide Wells Fargo retirement survey, LGBT
non-retirees reported a higher level of confidence in their retirement
savings, compared to the general population. In the survey, 61% of LGBT
non-retirees felt confident they would have enough saved by the time
they retire to live the lifestyle they want throughout their retirement,
significantly higher than 53% cited by the general population. Despite
this confidence, over a third (36%) of LGBT non-retirees expect they
will need to work during retirement in order to afford their lifestyle
(only slightly lower than the 41% of the general population).

The Accredited Domestic Partnership Advisor (ADPA) program was created,
through a partnership with the College for Financial Planning, to
educate advisors about the unique needs and financial considerations of
domestic partners. Financial advisors who earn this designation are
well-equipped to work with domestic partners and lesbian, gay, bisexual,
and transgender (LGBT) clients to develop a thoughtful approach to
meeting their financial goals. Wells Fargo was the first in the industry
to create this program and today has more than 100 ADPA-certified
financial advisors nationwide.

Approximately one in ten LGBT respondents have heard of ADPAs ?
financial advisors with training in financial and retirement planning
specifically for LGBT domestic partners. Upon hearing a description of
ADPA advisor training and designation, most gay men (60%) and lesbians
(72%) say these credentials are important to them when working with a
financial advisor.

?Each investor has different priorities, needs, and life goals, and
domestic partners and same-sex couples often have added concerns and
questions about their unique financial situation,? said Kyle Young,
Financial Advisor and Vice-President, Investment Officer for Wells Fargo
Advisors. ?It?s especially important for LGBT investors to find
financial advisors who are acutely aware of the challenges, laws, and
regulations that impact their investment planning needs. This additional
knowledge affords clients encouragement in knowing that their needs will
be heard, understood, and thoughtfully explored.?

The median amount LGBT non-retirees have saved for retirement is only
17% of what they believe they actually need. LGBT non-retirees believe
they will need to save at least $900,000 in order to retire, and have
saved on average about $150,000. And despite this need to save more for
retirement, three out of five (62%) of non-retired LGBT?s surveyed have
not increased their retirement savings allocation in the past year.

More than half (54%) of all LGBT respondents cite being recognized as
equal citizens by society and the law as the most important reason for
legalizing gay marriage. One in five (19%) say that having legal rights
and medical decision-making on behalf of one?s partner is most
important. Only 7% said legalizing gay marriage was not important to
them.

LGBT respondents overwhelmingly reported they would find value in
information and advice on investing and preparing for retirement.
Additionally, only about a quarter of the LGBT respondents currently had
a detailed written plan for their finances in retirement.

About the Survey

On behalf of Wells Fargo Retirement, Richard Day Research conducted an
online survey between December 2nd and December 18, 2011 among adults
ages 25-75 who identified themselves as lesbian, gay, bisexual, or
transgender (LGBT, n=505). Comparisons were made to a similar national
online sample of n=1,190.

About Wells Fargo Wealth, Brokerage and Retirement

Wells Fargo Wealth, Brokerage and Retirement (WBR) is one of the largest
wealth managers in the U.S., with $1.4 trillion in client assets. WBR
includes Wells Fargo Advisors, the third-largest brokerage in the U.S.;
Wells Fargo Private Bank, serving high-net-worth individuals and
families; Abbot Downing, serving ultra-high-net-worth families; and
Wells Fargo Retirement, which manages $257 billion in 401(k) assets for
3.6 million Americans. Wells Fargo Advisors is the trade name used by
two separate registered broker-dealers: Wells Fargo Advisors, LLC and
Wells Fargo Advisors Financial Network, LLC, Members SIPC, non-bank
affiliates of Wells Fargo Company

About Wells Fargo

Wells Fargo Company


/quotes/zigman/239557/quotes/nls/wfc WFC
-1.49%



is a nationwide, diversified,
community-based financial services company with $1.3 trillion in assets.
Founded in 1852 and headquartered in San Francisco, Wells Fargo provides
banking, insurance, investments, mortgage, and consumer and commercial
finance through more than 9,000 stores, 12,000 ATMs, the Internet
(wellsfargo.com), and other distribution channels across North America
and internationally. With more than 270,000 team members, Wells Fargo
serves one in three households in America. Wells Fargo Company was
ranked No. 23 on Fortune?s 2011 rankings of America?s largest
corporations. Wells Fargo?s vision is to satisfy all our customers?
financial needs and help them succeed financially.

About Richard Day Research (a Market Probe company)

Richard Day Research is a full-service market research firm, located in
Evanston, Ill., specializing in behavioral and opinion research among
hard-to-reach populations and professional communities. For more
information, visit rdresearch.com.

CAR #0512-0328

          Investment and Insurance Products:  - NOT FDIC Insured  - NO Bank Guarantee  - MAY Lose Value 

Wells Fargo Advisors is the trade name used by two separate registered
broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors
Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo
Company.

SOURCE: Wells Fargo Company

          Wells Fargo         Matt Hurwitz, 415-396-6964         Matthew.s.hurwitz@wellsfargo.com         Sarah Tonigan, 505-818-7480         Sarah.h.tonigan@wellsfargo.com 

Copyright Business Wire 2012

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How satellites changed the Olympics | Community | The Royal ...

This summer?billions around the globe are expected to watch the London 2012 Olympics on TV ? an experience enabled by a global constellation of telecommunication satellites that we now take for granted. In a guest post, Pat Norris FRAeS explains how space technology in orbit has changed the way this global sporting event is viewed.

On your marks, get set, go! TV viewers of Olympics this summer will depend on satellite infrastructure. (London 2012).

The 2012 Olympics will be enjoyed by billions of people across the globe as it happens.? Fans in China, Australia, Brazil and Greece will cheer and groan as they watch their heroes in action with almost the same sense of immediacy as the crowds in the London venues.? This year, some events will be broadcast in 3-D for the first time using the latest TV technology, high definition TV will provide superb detail, and multiple channels will allow the viewer to switch between events at the touch of a button on the TV remote control.How different it was 50 years ago.? I have no memory of the Helsinki Games, but I suspect they were much the same as the Melbourne Games four years later in 1956.? I recall huddling with my parents around a radio in Dublin listening to a crackly radio commentary of the 1,500 metre final ? won by Irish star Ronnie Delany, which of course is why I remember it.? A week or two later, a film version of the race was shown on TV and in cinemas on Path? News or some other newsreel programme, having been brought from Australia in the form of a reel of film by piston-engined aeroplane.

My 1956 experience was the closest an audience could come to the excitement of the Olympics without being in the stadium until 1964 ? the Tokyo Games.?The space age had arrived in 1957 with the launch of the first satellite, Sputnik, and then in 1961 the first human, Yuri Gagarin.? Space technology evolved so that communications satellites were just on the scene in time for the 1964 Games giving TV viewers in the US (and to a more limited extent in Europe) the opportunity to view many of the events as they happened, including a few in colour.

The Syncom-3 satellite in 1964 could cope with just 1 TV channel. (NASA).

World-wide TV coverage came in with a bang in 1968 at the Mexico Games.? The Black Power salutes by 200m Gold Medal winner Tommy Smith and Bronze medallist John Carlos had an impact that could not otherwise have been achieved, being seen immediately by millions of people around the world.? Four years later at the Munich Games, the kidnapping and eventual shoot-out that killed 11 members of the Israeli team, five Black September terrorists and a German security official, electrified the world ? all the more powerfully because of the immediacy of satellite TV.

We now take for granted that we can witness any sporting event as it happens wherever in the world it takes place.? The signals have to travel (1) from the camera to the local studio, (2) from there to the studio of the TV companies in other countries and (3) from there to the individual viewer?s set.? Satellites made the second leg of this journey possible in 1964 and they remain a major part of the delivery scheme in the 21st century ? at least for the highest quality imagery (see Table below).

Getting high quality Olympic Games TV to the viewer.

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The Syncom-3 satellite that beamed TV pictures across the Pacific Ocean in 1964 could cope with just one TV channel.? It provided a continuous service by virtue of its orbit 36,000 km above the Equator (the so-called geostationary orbit), weighted just 68kg when launched and generated a mere 29W from its solar cells.? The Relay-1 satellite that forwarded the TV pictures from the US to Europe was in an elliptical orbit whose highest point was just 7,500km above the Earth giving it infrequent and intermittent visibility of both sides of the Atlantic as needed for the Olympic TV service.

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250 telecomms satellites in orbit

The SES-4 satellite, weighing 6,180kg and carrying 52 C-band and 72 Ku-band transponders, was launched in February. (SES Astra).

The 250 or so communications satellites in geostationary orbit today benefit from the nearly 50 years of advances in electronics since Syncom-1 ? illustrated by Moore?s Law for computer devices which states that performance doubles every 18 months, providing an improvement in performance of about ten billion since 1962.? It?s no surprise then that the satellites carrying the 2012 Olympic Games can cope with several hundred TV channels each, a significant proportion of them in High Definition (HD) that uses 5 to 10 times the radio spectrum of Standard Definition (SD) channels, and a handful in the even more spectrum hungry 3-D.? The transmission power of each channel has also increased meaning that the signals can be received by a 70cm dish whereas Syncom-1 required a 35m monster antenna (such as those at Goonhilly).? Today?s state of the art satellites weigh 5-6 tonnes and generate up to 20kW of electrical power from their banks of solar cells ? for example the 50th satellite operated by Luxembourg-based SES launched on 15th February 2012.

TV coverage can of course be directed to your smart phone using the internet.? If you are outside mobile telephone coverage the latest satellites can do the same: streaming the London 2012 coverage to a hand-held device.? The satellites that perform this miracle do so by using enormous antennas in space that are deployed once they reach orbit -those operated by London-based Inmarsat for example are 10m in diameter.

Inmarsat-4 F1 satellite showing its giant antenna. (EADS Astrium).

So, satellites began the process that turned the Olympic Games into the global festival they are today with TV viewing figures in the billions ? the 2008 Beijing opening ceremony alone drew 1 billion viewers world-wide.? However the story has a twist.? As with all major sporting events, TV coverage brings commercial pressures with it.? Huge sums of money are bid to obtain the TV franchise for the Games ? for example, NBC paid $2billion for the US rights to the 2011 Vancouver Winter Games plus the 2012 London Summer Games.? The enormous public interest raises the price of sponsorship, which for London is said to be more than $100million for a Tier 1 local sponsor, with the total of all local sponsors exceeding $1.1billion ? and add to that another $1billion or so in fees paid by the International Olympic Committee?s eleven global top Olympic partners such as Coca Cola and McDonald?s.

These commercial factors have changed the Games from an event for elite athletes into a spectacle for the masses. The athletes in Melbourne in 1956 participated in a much less commercially driven affair than we will see in August 2012 and it was played out in front of a much smaller audience.? Satellites have brought this elite spectacle into our living rooms but one of the unintended consequences is that they have thereby changed the event itself.

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?Pat Norris FRAeS is Space Strategy Manager at Logica and Chairman of the RAeS Learned Publications & Communications Group.? He is the author
of Spies in the Sky (2007) and Watching Earth from Space (2010) ? see www.pat-norris.com.

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My Nutrition Challenge ? Week 13, hello weights, goodbye period ...

Today was the first day I tried a bit of weight training since completely burning out at the start of the year.? Not sure how I feel about it, time will tell over the next 24 hours.? Mental state is ok, felt a bit lightheaded (nothing too major) and a bit blurgh for about 20 minutes.? But I seem to have come right now, which is a vast improvement on a 20 minute session I tried to do 10 weeks ago.

I picked 5 of my favourite exercises and did 2 circuit rounds, a total 20 minute workout including a 3 minute rest between each circuit.? I think that was enough for my recovering nervous system for one day.? I always encourage my burnt out or stressed clients to listen to their bodies and their minds over the 24 hour period following an exercise session to assess whether it was suitable for their nervous system or not.? They?re also instructed to spend 5-10 minutes after? their workout doing some nervous system rebalancing which can include deep breathing and/or meditation, stretching or anything else similar and calming.? I took my own advice and did 5 minutes of diaphragmatic breathing in Savasana (corpse pose).? And the next most important thing was to have some nourishing food to help calm the body out of it?s cortisol high.? I made a tasty Oxtail Soup and had that.? Now, I wait to see how my sleep goes tonight (it?s usually pretty good) and how I feel tomorrow.? If all is well, then I will add a Tuesday weights session to my Monday Pilates and Thursday Tai Chi.

?and so on it goes, step by step until I?m back into full training?whatever that entails for my constitution.

Too often we train the same no matter how we feel with no regard for how our nervous system is dealing with it and how our hormones are going to respond.? This is just madness.? Greater health gains come from an optimised anabolic rebound, and there isn?t anyway to rebound if you?re in a constant state of catabolism through excessive overload.

This month I am happy to announce my 2nd pain free period in a row!!? Yay!!!? It shows that all the re-balancing work I?m doing is working well.? I can?t tell you how happy I am to not go through the pain that I used to.? We?re talking some serious problems here that including crazy low blood pressure, stabbing pains that would last 2 or so hours and nausea.

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Starting a home business in which is usually better than the millions ...

Posted on 29 May 2012. Tags: book downloads, book readers, digital books, download ebook, ebook, ebook buy, ebook readers, electronic book, electronic books, free ebooks, plr

Beginning a home business of which is actually different than the hundreds of thousands of people can sometimes be tough. In the end, you will need to become involved in something that lacks heaps of competition. Even though making out a niche from scratch can be difficult to do, you will find a less competitive discipline if you are willing to put your time directly into research course of action. Among the finest programs out there will be to vend ebooks with master resell rights. This might not appear to be recommended?

Inexpensive Website for e-books click here: eBook Download Site

Getting started a home-based business in which is different than the millions of other folks can infrequently be tough. After all, you will want to get involved with something that does not have tons of competition. While carving out a niche from nothing can be hard to undertake, you will find a significantly less competitive area should you be happy to put some time into the exploration method. Among the finest possibilities out there is to supply e-books with master resell rights. This may not appear to be a great idea, but there are many people who love buying digital books for one reason or the next. And if you give them e books with master resell rights, they can in turn sell them on their individual to generate income. So as you can see, this internet business is a dual edged sword. Not only will you be able to sell to people who like to read ebooks, though you can also get in touch with those who want to buy and then resell them on their own. Best Prices

The first step to getting started is to find ebooks with resell rights. This may happen to be hard not too long ago, however this industry has developed quite a bit as of late. You should be able to find plenty of these e books for sale. But remember, not all e books are created equally. Should you be expecting to turn this online business into a money making machine, you will need to offer digital books the fact that people want to read; and of course, ones which they would not mind reselling either.

There are many ways of which you can run this type of online business. Your best bet is to set up a website where you feature all of your digital books. This can be done in no time at all, and the better your sites design the more chance you will have of success. To really give yourself a good chance of high sales, make sure that you have hundreds of digital books with master resale rights. After all, the more options of which you have for people the more likely they are to make a purchase. If you can position yourself as one of the largest ebook sites, with quality material for sale, you will be well ahead of the competition.

Selling electronic books with master reprint rights is a legitimate home based enterprise. As mentioned above, the nice thing about this business is of which the industry is not overcrowded. This is not to say which you are going to be the only person in this industry, nevertheless you will not be so bogged down with trying to outdo thousands of competitors.

Look into e-books with master resale rights if you?re hunting for a great home-based business.
Cheap Website for ebooks review here: eBook Download Site

Inexpensive Website for ebooks review here: Download ebooks

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Lean More About the Most Popular Internet Marketing Lies ...

Over the last few years Internet Marketing has grown quite a lot. Each day you find more and more people trying their hand at online marketing. However, if you?re just getting started with IM, it is really easy to get suckered by some of the lies that float around out there. Most of these lies have been generated and nurtured for a really long time and that makes it really difficult for people to identify them. There?s just so much misinformation out there about Internet marketing that it can get difficult to know the truth. This article talks about some of the bigger IM lies that you should never ever fall for.

A super common lie that you will hear all the time for Internet Marketing is that you can buy really great content for really cheap prices. Let?s not beat around the bush, when you?re running your own Internet marketing business, you?ll need content. Can this really be purchased for just a few dollars? Hiring a professional writer to create really high quality content isn?t going to be cheap.

Your content will suffer with the lack of quality and clarity if you get it done at a low price. It?s true that you get exactly what you pay for. If you want to outsource any of your article writing or content creation then don?t be afraid to pay a little more ? it?ll be worth it. The Internet marketers who have found the most success have put lots of time and effort into their businesses. It absolutely did not happen for them overnight. But they will still tell you that everybody else, except for you, is making tons of money online without doing any real work. While it is possible to put your Internet marketing business on auto-pilot, it takes work to get there. In the offline business world, people fail more often than they succeed. So why is the online business market any different? They?re quite similar actually, this is why you need to stay grounded. People who find huge success online are the ones who don?t believe in so many lies.

A huge lie that is told all over the place in the Internet Marketing world is that all success really takes is some traffic. Don?t believe this lie! Not all traffic is good; what you want is targeted traffic. Even when you have that, success takes more. There is this thing called conversion and it is also incredibly important. The product or service that you decide to sell needs to convert if you really want to get as much as possible from the targeted traffic you generate. So gaining visitors is only one part of this important equation. Working on converting more and more people is another important part of it. Well, we hope you are duly impressed with just this little bit about medical questions answered. By all means, do not stop with what you are learning here today; that would be a shame.

This is all we ask of anyone, really, to view this with a receptive mind and go farther with it. When it all begins to gel for you, then you will be able to rise above to some degree thanks to added knowledge. Even if you cannot control a lot, and who can, you will be much better prepared through learning and amassing knowledge.

Internet marketing is a field rife with opportunities. If you take a look around, you will see all sorts of new Internet Marketers are making money. Try to remember, though, that they were able to progress because they could tell the truth from the lies.

If you want to reach the same level, and not have to spend lots of money and time to get there, learn to tell the lies from the truth. It?s important that you do not fall for any outrageous claims unless you know for sure that those claims come from legitimate sources.

There is significantly more to free medical advice than meets the eye, even though you have just learned a great deal more. But it really can easily go far beyond the obvious since it is tough to know all about what is possible. None of us can ever see everything coming, but at least you can minimize the possibilities. So it is definitely in your best interest to implement further attempts to broaden your knowledge. Still, that should not be any kind of problem considering the vast expanse of the web. In order to protect your best interests, be wary of where you get your material and what you believe. Do not always be so quick to accept what you read on the net, and by this time perhaps most people realize that.

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