The ABC's of Real Estate Investing Download aBook | Found Useful

LINK: Download The ABC?s of Real Estate Investing Audiobook

Want to get rich through real estate? Then you need The ABC?s of Real Estate Investing. It?s the definitive guide that will teach you how to find property, evaluate its worth, negotiate the deal and make money in the process. There are no ?get rich quick? tricks on these pages, just proven methods that deliver bottom-line profits and increased property values. -Ken McElroy, Real Estate Investor, Property Management Expert, Business Owner, and Author The ABC?s of Real Estate Investing will: * Achieve wealth and cash flow through real estate * Overcome the myths that are holding you back * Find property with real profit potential * Evaluate a property and set your own purchase price * Negotiate the deal based on the numbers * Discover hidden profits in the properties you buy or own * Increase your income through proven property management techniques.About the AuthorKen McElroy, CEO of MC Management, has over 20 years of real estate experience with 4300 units under construction and management.

LINK: Download The ABC?s of Real Estate Investing Audiobook

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For Somalia, lessons from stable breakaway north

Banknotes in piles the size of desks lie on a dusty street guarded by dozing civilians -- money exchange offices in Somaliland, the northern breakaway state of war-torn Somalia.

While war rages in southern Somalia -- where regional armies and government troops battle Shebab fighters allied to Al-Qaeda -- the relative stability achieved in Somaliland offers a sliver of hope for the rest of the anarchic land.

"We are a peaceful and democratic country," said Ahmed Mohamed Silanyo, president of the self-declared country which broke away from Somalia in 1991, the year the Horn of Africa nation erupted into all-out civil war.

"People have said we are an oasis of peace in the Horn of Africa," added Silanyo, who took the helm of this nation the size of England in peaceful 2010 polls.

Like Somalia's capital Mogadishu today, Somaliland's capital Hargeisa was left in ruins by bombing raids in the bloody civil war.

But while the wreckage of destroyed fighter jets still lies on Hargeisa's bumpy airstrip, the scars of the conflict are rapidly fading, as bullet-riddled ruins are replaced by a spurt of new buildings.

Traders sell plump melons and bananas from farms outside the city on bustling street corners, while women offer milk from the camels that are key to Somaliland's mainly rural and pastoral economy.

"It is not always easy, but every year there are improvements in the economy," said businesswoman Amina Farah Arshe, who runs a fleet of fishing boats and supports women entrepreneurs.

As international diplomatic, military and relief efforts focus on ending the conflict in southern Somalia, Somaliland's experience offers lessons in how to build peace, Silanyo said.

"It was not imposed by any political group, but by an agreement of all people, clans and leaders, to come together to make reconciliation and restore peace," Silanyo told AFP in his modest presidential compound.

But while Somaliland is bound together by a unifying ambition for formal independence and international recognition, southern Somalia is riven by brutal land and power struggles fueled by clan divides and religious beliefs.

"Somaliland demonstrates it is possible to build peace and stability in Somalia" if there is a "clear objective" -- in this case independence -- said Georges-Marc Andre, EU ambassador to Somalia, the largest donor here.

"In south and central Somalia however, for the time being, the interests are too diverse," Andre added.

Somaliland is certainly not without problems, but does appear to be trying to tackle them.

"The problems of sexual violence are many," said Aswan Mahmud, one of four female police prosecutors here, who focuses on violent crimes against women and children, a problem in a traditional society struggling to rebuild after war.

"In the beginning, it was tough and there was hostility from the public to my work, but things have improved ... I'll keep going because I am committed to provide better access to justice for women," Mahmud added.

But Somaliland also suffers from the spillover violence from its violent neighbours, beset by Islamist fighters as well by pirates who threaten shipping far across the Indian Ocean.

Tensions remain high with the neighbouring autonomous Somali region of Puntland over contested border regions potentially rich in oil.

Officers inside Hargesia's newly-refurbished prison are preparing cells for the transfer of 19 pirates Somaliland has agreed to host -- with more expected to follow -- captured by international navies and convicted in the Seychelles.

It is a sensitive matter for fiercely independent Somaliland, keen to win favour with the international community by showing its commitment to fight piracy, but also wary since the convicts are from Somalia.

"Their coming ... is an issue for political leaders, but we will host them here," said commander Omar Said Ali Ali diplomatically, as prisoners stared out from behind bars.

Some Western countries argue Somaliland deserves to become a fully-fledged country and thus gain access to more aid, but the African Union is wary of setting a precedent that may spur secessions across the continent.

"Even if we do not yet have the recognition of the international community we engage with the world, and we hope and expect recognition will come to Somaliland," the president added.

Source: http://news.yahoo.com/somalia-lessons-stable-breakaway-north-103636217.html

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Gorillas are more like humans than we knew, study says

New research has shown that humans are more like gorillas than scientists previously understood. 15 percent of human DNA is more similar to gorillas than to chimps.

Take a trip to the zoo and you can see gorillas are a lot like us. But a new DNA study says we're even more similar than scientists thought.

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From the evolutionary family tree, you'd expect our DNA to be the most similar to chimps, our closest relatives. The new work found that's true for the most part, but it also found that a sizable portion of our genome is closer to a gorilla's than to a chimp's.

"The chimpanzee is often cited as 'our closest living relative' and this is certainly true based on total genome sequence, but the gorilla is nearly as close a relative," Owen Lovejoy of Kent State University, who was not part of the project, said in an email.

That agrees with hints from with some smaller previous genetic studies. The latest work deciphered the entire genome of the gorilla, which Lovejoy called "a substantial achievement."

It reveals "a closer connection between our genome and that of the gorilla than was previously appreciated," Richard Gibbs and Jeffrey Rogers of the Baylor College of Medicine wrote in an editorial accompanying the work published in Thursday's issue of the journal Nature.

With the new research, scientists now have complete genetic blueprints of the living great apes ? humans, chimps, gorillas and orangutans ? to compare and gain fresh understanding of how humans evolved and developed key traits such as higher brain function and the ability to walk upright.

Humans and chimps evolved separately since splitting from a common ancestor about 6 million years ago.

The latest study was led by scientists at the Wellcome Trust Sanger Institute, a nonprofit British genome research center. Researchers mapped the DNA of a female gorilla and compared it to the genomes of humans and chimps.

As expected, most of the human genome was closer to the chimp's than to the gorilla's. But in about 15 percent of the genome, human and gorilla resemble each other the most. In another 15 percent, chimp and gorilla DNA are closer to each other than chimp is to human. Both those situations clash with what you'd expect from the evolutionary tree, which says humans and chimps should always be the most similar, the researchers said.

The gorilla genome was cracked using DNA from Kamilah, a 300-pound western lowland gorilla from the San Diego Zoo, which maintains a DNA library of endangered animals. Since the mapping of the human genome in 2001, there was a dash to similarly unravel the genetic codes of other animals, particularly primates. The first complete chimp genome was published in 2005 and the orangutan last year.

Like other great apes, gorilla populations in the forests of central Africa have been dwindling from hunting and disease. In decoding Kamilah's DNA, researchers said they hoped to do the same for the mountain gorilla, which is near extinction.
Nature: http://www.nature.com/nature

Source: http://rss.csmonitor.com/~r/feeds/science/~3/rgrQAVlhfcc/Gorillas-are-more-like-humans-than-we-knew-study-says

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Promote Your Speaking and Coaching with Free Articles | Article ...

How much time do you spend promoting your business? Two hours out of six? One hour out of six? Maybe not even that much. No need to feel guilty. Today, through a simple, yet elegant way to promote, you can spend only 3-4 hours a week to get your word out. And you?ll reach thousands, rather than just a few. Guru Peter Drucker said that only marketing and promoting produce results in business. The rest are costs. I agree. Do you want better results too? Some Promotions Work Better than Others While press releases, book reviews, post cards, business cards, networking, appearances on radio and TV, and selling products from the back of the room brought me some success, it was slow and small. Like you perhaps, I was unsatisfied with the number of clients. There must be a better way I thought. I reached out first, to research how I could promote online. During that time, I wrote three eBooks, which I also sell in print. They took me 4 months to write. I learned that print books can actually be sold the same as eBooks because you can promote both through submitting articles to spam-free to online ezines in your field. These can bring new clients every week you submit. When people like your free information they will be more interested in going to your site to learn more about you. What I learned: Free information is the key. To set up my virtual marketing machine I gathered e and URL addresses of ePublishers and Web sites who wanted free information. I started writing new articles, dusting off old ones, and leveraging new articles with different angles. After subscribing to these ezines, you are allowed to submit your articles. It takes about 4-7 days. They send an email to you to confirm. In the meantime, you need to set up your computer files called ?articles to submit,? adding new publishing addresses into your file when others admire and say they?ll use your article. Keep track of all these email addresses to make the most of viral marketing. Remember you just push a button and viola your article is sent to thousands of the free ezine subscribers. While the saying goes that we should promote 90%, I decided that I could spend less time on promotion with this technique. You can now enjoy your own virtual marketing machine to make from 7-17 new coaching clients in two months like I did. Realize that without the right kind of promotion your useful products, teleclasses, and services would remain mainly untapped. Your time and money investment? Just the time with a coach or a teleclass to show you how to do this amazing online marketing method. Another advantage of submitting articles to ePublishers is that you don?t have much competition in cyberspace. So many businesses are online, and every one of them needs inspiration, information, and entertainment. Opportunities abound for you who coach and speak in personal growth, business, career, and other subjects. Remember, it?s free information that gets people to know who you are. It turns out it?s not who you know, it?s who knows you. Submitting your free articles online answers the call.

Source: http://blog.articledirectoryusa.com/2012/03/09/promote-your-speaking-and-coaching-with-free-articles/

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Companies take the bankruptcy carousel

NEW YORK?? Bankruptcy can be just about as traumatic as it gets for a company, its employees, customers, and suppliers. The only thing worse - going through it again, and again.

The number of companies making second trips through bankruptcy -- sometimes dubbed "Chapter 22" filings, or Chapter 11 times two -- has jumped in the first two months of 2012.

Four of the 17 public companies that have filed for bankruptcy this year, including Twinkie maker Hostess Brands and family-style restaurateur Buffets, are repeat filers, according to BankruptcyData.com, which tracks filings by publicly traded companies and repeat filings for companies that were once listed on a stock exchange. That compares with six companies that slid back into bankruptcy in all of 2011.

It's not unheard of for a company to file a "Chapter 33." Late last year, clothing retailer Filene's Basement filed its third Chapter 11 in 12 years. It has now gone out of business.

Companies often go through bankruptcy as the system seems to encourage - getting out of Chapter 11 with streamlined operations and in better shape to weather economic changes.

When that does not happen, it is often because a company still has too much debt. Lenders are a big factor because they provide the financing, but the blame can also lie with the companies, investors, bankers, lawyers and judges.

"There is too much emphasis on getting out, and getting on with business rather than whether it is going to work," said Ed Altman, the Max L. Heine Professor of Finance at the Stern School of Business at New York University.

Some companies never make it out of bankruptcy, and -- like Filene's -- end up liquidating. But for those that do emerge, and then tumble into bankruptcy again, it's a failure of everyone involved, Altman says.

He said he expects more such filings as companies that have used bankruptcy only to cut debt face up to operational problems they have not solved. The cost of repeat bankruptcy includes a new round of legal fees and damaged corporate reputations.

Under the law, judges must ensure a company's reorganization plan is feasible before allowing it to exit bankruptcy. Still, companies do not always emerge in sound enough financial shape to weather an uncertain economy.

Typically, experts say, Chapter 22s increase as overall bankruptcy filings rise. However, the quick takeoff of repeat filings this year comes as the number of bankruptcies continues at the same pace as last year. The 17 total public-company filings so far in 2012 compares with 15 at this point last year.

To date this year, the number of Chapter 22 bankruptcies filed as a percentage of overall bankruptcies is running at a rate that could outpace prior year Chapter 22 filings.

The companies that have filed this year have little in common on the face of it.

Hostess Brands, Buffets Restaurants and ocean shipper TBS International filed for Chapter 11 again. Fountain Powerboats Industries - maker of the Donzi speedboat and Pro-Line and Baja fishing boats - also went back to court again.

Spokesmen for Hostess and Buffets declined to comment. Spokesmen for TBS and Fountain Powerboats did not return calls seeking comment.

Paying again and again
Each time a company goes bankrupt, it must pay for lawyers and advisers not only for itself, but for its major creditors. In its first bankruptcy, Hostess spent more than $170 million on professional fees, based on its monthly operating reports.

Bankruptcy the second or third time around often involves a new cast of characters. In bankruptcy, company ownership often shifts from shareholders to secured creditors, who hire a new board and may name new managers. They in turn hire their favorite lawyers and advisers, and decide which court to use.

For Buffets, a 30-year old restaurant group that runs the Old Country Buffet and Hometown Buffet chains, its second bankruptcy is a return trip to the same judge in Delaware it got to know the first time around.

Buffets first filed for bankruptcy in January 2008, blaming weak consumer spending, foreclosures, and high food and energy costs for cutting its cash. It sold restaurants and cut its debt by more than half to about $250 million.

The company emerged from bankruptcy in April 2009 despite lingering problems as bank lenders demanded expensive new debt and restaurant leases were difficult to negotiate. That collided, post bankruptcy, with weak consumer demand and higher food prices, according to Saul Burian, a managing director at Houlihan Lokey who advised Buffets on its first bankruptcy.

Only a year after exiting bankruptcy, Buffets hired a different adviser and was considering a sale. But no buyer was announced and Buffets filed for bankruptcy again in January. This time, the company plans to tackle the leases, according to the restaurant group's reorganization plan filed in court.

Hostess faced some similar problems. The company filed for its first bankruptcy in 2004, citing declining sales, high food costs, excess capacity and worker benefit expenses. It tackled some issues - closing bakeries and simplifying some union contracts -- but it did not deal with its debt. It went into the first bankruptcy with $648.5 million in debt, and came out with more than $800 million, according to court documents.

As a result, the company's second bankruptcy-- after less than three years under the control of private equity firm Ripplewood Holdings -- came as no surprise to some workers.

One union, the Bakery, Confectionary, Tobacco Workers and Grain Millers International Union, accused the company of having "frittered away" union concessions, wasting money on a corporate headquarters move, according to court papers. Hostess Chief Executive Brian Driscoll, though, has blamed legacy worker costs, uncompetitive collective bargaining agreements and debt.

The company's new plan is to eliminate these "crippling" payments and distribution costs it did not tackle the first time, Driscoll wrote in papers filed in U.S. Bankruptcy Court in Manhattan. The previous bankruptcy was in Missouri.

Heavy debt loads are a common problem for companies whose bankruptcies fail, Altman said. Companies often use debt from their secured creditors to keep going after bankruptcy, and the higher the fees on that debt, the more the creditors earn.

High debt loads mean a better chance of defaulting again, Altman said, while companies with less debt and more equity do better after bankruptcy.

"The culprit is the players in the system who have maybe a too short-term horizon," he said.

Copyright 2012 Thomson Reuters. Click for restrictions.

Source: http://www.msnbc.msn.com/id/46643591/ns/business-stocks_and_economy/

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Apple's next iPad may be a 4G game changer

SAN FRANCISCO/NEW YORK (Reuters) - Apple Inc is betting a 4G-equipped iPad will tempt more U.S. consumers to pay extra to watch high-quality video on the go, and in turn, give Verizon Wireless and AT&T Inc a revenue boost.

Until now, Apple's fan legion has been reluctant to shell out extra money even for iPads with 3G connections. The cheaper Wi-Fi-only model -- with more limited Web access -- is by far the top-selling one today.

The newest iPad will be capable of operating on a high-speed 4G "LTE," or Long-Term Evolution network, according to a source familiar with the product. At speeds roughly 10 times faster than current 3G technology, that may go a long way toward banishing the sometimes shaky video quality of older devices.

Such a juiced-up device would help boost the telecoms market if consumers catch on and can be enticed to pay more, some analysts said. The global tablet user base already reached 67 million in 2011, according to researcher Strategy Analytics.

"It's going to dramatically improve video consumption," said UBS analyst John Hodulik. "This is the device people want. They want the fastest speed. They want high resolution."

Apple, AT&T and Verizon declined to comment.

The Cupertino, California-based consumer device company is gearing up to unveil the iPad 3 on Wednesday, a faster and better-equipped version intended to thwart increasing competition from rivals such as Samsung Electronics Co and Amazon.com.

The new iPad will be "critical" to Apple if it is to continue to dominate the global tablet market, said Frost & Sullivan's analyst, Phil Harpur.

"A lot will depend how receptive the market is to the new features offered by iPad 3, two of which are believed to be quad-core processing and 4G-LTE capabilities," he said. "While iPad 2 offered only minor incremental upgrades, this time the market will be expecting a lot more."

The unveiling at the Yerba Buena Center for the Arts in San Francisco, where the company also introduced the last two iPad generations, will be Chief Executive Tim Cook's second major product launch, after the iPhone 4S unveiling last year at the company's headquarters.

The smartphone was initially a disappointment as it was perceived to be mostly a software upgrade, but "Siri," its voice-enabled personal assistant technology, helped to make it a bestseller.

Cook will again be flanked by Apple's top cadres on Wednesday, when he kicks off a typically tightly choreographed show scrutinized by investors and industry insiders. On hand will likely be Apple's top marketing executive Phil Schiller, its head of Internet services Eddy Cue and software chief Scott Forstall -- the standard cast for major launches following the death of founder and consummate showman Steve Jobs last year.

UPGRADE TO APPLE TV IN WORKS?

The company, legendary for keeping its agenda under wraps, has not said what it plans to reveal but invited speculation with its cryptic event invitation, graced by a partial image of an iPad screen and the tagline: "We have something you really have to see. And touch."

Some predict an upgrade of the Apple TV, one of the rare company products that has not seen mass adoption.

Jefferies analyst Peter Misek said the "see and touch" reference was "very curious."

"An upgrade of the Apple TV set-top-box is possible as well as a remote chance for an iTV television set due to a reference to a large screen size," Misek said in a note to clients, adding that it was possible that Apple could also announce an actual TV despite not having a finished product.

Until then, it is the iPad 3's 4G capabilities that may be commanding the firmest speculation.

iPad sales doubled in the December quarter to 15.43 million units. The company has sold about 55 million iPads since it was introduced in 2010, and recorded more than $20 billion in sales and related services and accessories in fiscal 2011.

But dozens of new devices are set to launch this year, so Apple needs to stay a step ahead of its deep-pocketed rivals.

Handset makers including Samsung and Motorola Mobility already have LTE-capable tablets available, so in a way Apple is already late to the game.

The Samsung and Motorola tablets run on Google Inc's Android software, which is fast gaining ground on Apple's iOS.

Market share of Android-based tablets in the fourth quarter rose to 39 percent from 29 percent a year ago, while the iPad's market share slipped to 58 percent from 68 percent, according to Strategy Analytics analyst Neil Mawston.

But the early high-speed tablets have not caught on. They accounted for a mere 1 percent of total tablet sales in 2011, partly because they were expensive, Mawston said.

While Apple is not breaking new ground with LTE, it may play a big hand in the technology's take off on tablets, because of the popularity of its iPad platform. The iPad 3 may also be helped by recent expansion in the availability of LTE services, according to Mawston.

Both Verizon and AT&T have been upgrading their networks with LTE but since Verizon Wireless had a head start in rolling out LTE -- its first markets came on line in late 2010 -- it should have an advantage over AT&T, which launched its first LTE markets last Summer.

Verizon's LTE network covers markets with a population of 200 million while AT&T's covers 74 million. Sprint Nextel, the No. 3 U.S. operator, will offer LTE later this year.

One impediment to the success of the iPad 3 with the faster connectivity could be rising data service charges.

Carriers charge customers for data on a per-usage basis, which can quickly add up. For example, watching 30 minutes of video a day on Verizon could add up to almost twice as much data downloads as its monthly $30 service package provides for.

If people really like how the new device works, UBS's Hodulik said they may not mind the charges. Even if only 10 percent more iPad users bought the 4G instead of the Wi-Fi version, it would help service providers, which do not subsidize the price of the iPad, Macquarie analyst Kevin Smithen said.

"Generally it should be incremental revenue for the carriers," Smithen said.

So far the most popular version of the current iPad is the cheapest -- the one that works only on Wi-Fi, a short-range wireless connection, and does not connect to service providers networks. So it could still be an uphill task to convince most buyers to pay for iPad services even with faster speeds.

"It's very important for a decent size subset of the users, probably somewhere in the 10 to 15 percent range," Gartner analyst Van Baker said. "For 85 to 90 percent of people, it's just not going to matter."

(Additional reporting by Yinka Adegoke in New York, editing by Edwin Chan and Maureen Bavdek)

Source: http://news.yahoo.com/apples-next-ipad-may-4g-game-changer-152901271.html

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Valentine already tweaking the Yankees (AP)

[unable to retrieve full-text content]AP - Bobby Valentine has only been wearing a Boston Red Sox uniform for about two weeks. That isn't stopping him from taking a few jabs at the archrival New York Yankees in pinstripes already.

Source: http://us.rd.yahoo.com/dailynews/rss/sports/*http%3A//news.yahoo.com/s/ap/20120228/ap_on_sp_ba_ne/bba_valentine_tweaks_yankees

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