What we love about tampa bay florida

The Tampa Bay area in Florida includes the major cities of Tampa, Clearwater, and St. Petersburg. Tampa is in Hillsborough County and Clearwater and St. Petersburg are in Pinellas County. There is more to this area than just sand, surf and sun. While it is true that the three are the original main attractions of the area, there is so much more to Tampa Bay. Tampa Bay Florida real estate is one of the hottest markets available. Homes and condos in this area are hot because they have it all and especially location, location, location!

There are hundreds of homes and condos on the market every day for Tampa Bay Florida real estate, leaving the Tampa Bay area one of the most desirable places to live in North America. There are also plenty of homes in Pinellas County at affordable rates for people of all ages should you want to live closer to the beaches. Families thrive in Pinellas County with good schools nearby, and plenty of park space for young ones to run and play. The beaches of Pinellas County will take your breath away each and every time you visit.

The Pinellas County homes for sale are perfect for the young executive who works in the area. It is close to major shopping centers and has plenty of quiet character for up and coming future CEOs to concentrate on their jobs while living in the peaceful surroundings of Pinellas County. Tampa is a short 20 minute drive from Pinellas County should you find yourself working in downtown Tampa or in need of access to the Tampa International Airport.

There are many Tampa Bay homes for sale that are just perfect for anyone, no matter your situation. Whether you are a young family who is purchasing your first home, or senior citizens who are looking for an active 55+ community that’s a little more ‘out of the hub’, then this area is for you. There is a wide variety of homes and condos for sale in this beautiful area of Florida, so one of them is guaranteed to be right for your needs.

Tampa Bay Florida real estate offers awesome opportunities for the young and the old. As mentioned before, the Tampa Bay area is also very popular with the aging population -- senior citizens love the warm climate and the friendly atmosphere and are looking at Tampa Bay as a wonderful, safe place to retire.

Florida is a beautiful state located in the southern portion of the United States. Its warm atmosphere is about more than just its climate. The people that reside in Florida are pleasant and a welcoming factor to the area. After all, most of us are transplants from the northern states such as New York, New Jersey and Chicago. 90% of the people who live here hated the brutally cold winters up north and thoroughly enjoy having 365 days of warm sunshine to wake up to each morning. The residents that live here range from blue collar to white collar workers -- from families to executives to senior citizens. Tampa Bay Florida real estate is for everyone who wants to get in on the action that Florida has to offer -- mild climate, good schools, fantastic restaurants, superb night clubs, convenient shopping, boating, outstanding golf courses, and community events for everyone.

You really can’t go wrong. As they say in the real estate world, it’s all about location, location, location…and Tampa Bay Florida has a great location! Check out the Tampa homes for sale today and find your dream home or retirement get away.

Life after bankruptcy - how to restore your credit after a bankruptcy and obtain a mortgage

It is unfortunate that many bankruptcy attorneys do not give their clients more direction with regard to restoring themselves after their bankruptcy. There are some simple steps that anyone who files a bankruptcy needs to take in order to restore themselves financially.

Using these steps below, you can restore your credit and prepare yourself to become a home owner.

1. Get a copy of your credit report. Many times (most times) the credit accounts that are absolved with your bankruptcy are not removed from your credit report immediately.

2. Have derogatory credit items removed from your credit report. For the items charged off in your bankruptcy, you will need to send a copy (not the original) of your bankruptcy discharge papers to all 3 of the credit bureaus asking them to remove these inaccuracies.

3. Pay all of your bills on time. Bankruptcy is a means to financial recovery. It is intended to allow you to “start over” financially. After your bankruptcy, you need to make sure that all of your bills are paid on time. If you are having trouble with an upcoming bill, DO NOT IGNORE IT. This is where most people go wrong. Call your creditors before they call you and let them know what your challenges are. If you can’t get a reasonable rep on the line, ask for a supervisor, but again, do this as early as possible, not the day the bill is due or after it is late. If you are having trouble with your bills, you may need to solicit some help.

4. Have a strong documented rental history. This is pretty critical, as it is most likely the largest monthly expense that you have. Underwriters (the people that actually sign off on your loan's approval) will look very hard at how you have paid your rent as they are going to replace it with a mortgage payment of equal or greater size. It is very important to be able to document your rent payment history very specifically. If you rent from an apartment community, then all the bank will have to do is request a Verification of Rent (a. k.a. VOR).

If you have a private landlord, then the BEST way to document this is with cancelled checks for the last 12 months rent. Banks can do VOR’s for private landlords, but rarely do because they feel that a landlord may have a relationship with the borrower and say what the bank wants to hear to help them get a loan.

If you pay with cash or money orders, please stop doing this immediately and start paying with checks. Simply put, this is hurting you because by filing a bankruptcy you have already shown some financial instability. Paying your rent with cash or money order shows further financial instability and will not give you the positive rent history that the underwriter is looking for to give them the confidence in approving your loan.

5. Apply for a secured credit card – A secured credit card allows you to make a deposit into an account to secure a credit card and then borrow against it to establish a new positive payment history. As time progresses, the bank may increase your credit line to an amount greater than your deposit, and then eventually return your deposit to you. (They will also often pay you interest on your deposit.)

6. Prepare “non traditional” trade references – These are accounts that you pay on such as cell phones, car insurance, and store accounts which can be used to document a positive payment history, but would not be traditionally reported to a credit bureau. Ideally, if you can provide 3 of these accounts with a 12-month payment history, this will help us in convincing the bank that you are a good credit risk. The best way to document this is with a letter from the company stating that you have had a positive payment history with them for the past 12 months. Alternatively, you can provide 12 months of cancelled checks showing 12 months of timely payments.

7. Resist the urge (or encouragement) to buy a car. Some may tell you that this is the best way to rebuild your credit. The problem is that your interest rate will be so high, that your payments will make your debt ratios higher than normal, making it harder to qualify for a mortgage. Do you remember the figure of 45-50% of your monthly income that the bank will allow you to use towards your debts? This will quickly be absorbed by a car payment. Only buy a car if a) you NEED (not want) a car, and b) you have the income to cover the car payment, any of your current debts, and your proposed new car payment. We have seen SEVERAL people that have cars rather than homes because they went out and bought a car that they could not sell and their debt ratios were too high to qualify for a mortgage. It would be a shame to have a nice car (that depreciates daily), as opposed to a more humble car along with a mortgage on a home that gives you a tax break, and increases in value over time.

I hope this is helpful and helps get you on your way to finding the home of your dreams.

Learn ways to increase your google page rank

For me, how to increase your page rank in Google is not rocket science. The key is without doubt to obtain as many backward links as possible, however these links have to be not only reciprocal links but also one way links. In this article, I describe simple ways of how to obtain both of these types of links.

I am fairly sure, that most people who have a website are looking at the best ways of increasing their page rank in google. In this article I give free tips on how I believe you should go about doing this. These techniques are what I use on all of my websites.

I have spent huge amounts of money on search engine optimisation, which I now feel is wasted cash. For me, by far and away the most important thing is to obtain as many backward links to our websites as possible. This should be an ongoing project, far too many people in my opinion try to get rich quick, by for example buying a thousand links. This is a huge mistake, as it is totally un-natural, these people are normally penalised by google. My advice is to steadily increase links daily, hard work pays off and is normally rewarded. I also would certainly not ever buy a thousand links anyway.

So far we have established that we require lots and lots of backward links, the next question is how to obtain them. There are two types of links, reciprocal and non reciprocal. Non reciprocal links are of much higher value as they are seemingly harder to get. I actually disagree with this last point, if you write articles, like the one you are reading, one way links can be obtained quite easily, more on this later. Quick tip, start writing articles now, with the flood of blogs now joining the web, writing articles are without doubt, going to be the best and easiest way of obtaining one way links.

Non reciprocal links

To ask a person who has a website to add a link to your website for no reason, or without you adding a link back in return, is unlikely to meet a positive response.

To obtain these non reciprocal links my advice is to:

Write articles. Writing articles is an excellent way of gaining non reciprocal or one way links. Other webmasters are able to use your article on their website, including the links to your website. The article website you submit the article to, also gives you this one way link on their site.

Get a blog. Blogging is likely to become the next big thing on the internet. If you add a link to your main website on the blog this could then appear on every page. Over time a blog could have hundreds of pages.

Purchase a link text ad. It may be worthwhile purchasing a link text ad from a quality well established website. This should attract visitors to your site plus has the added page rank value for the backward link.

Reciprocal links

In any link management campaign it is also useful to obtain as many reciprocal links aswell. My advice would be to join a scheme such as linkmetro, this saves a huge amount of time, which could be better spent writing articles.

How to setup merchant account details

If you are interesting in learning more about merchant services, you will need to know something about setup merchant account details. This may seem like the hardest part of getting a merchant account, especially if you are uninvolved with many e-commerce or technological business systems. Here are some details that can help to give you a better idea of merchant account setup.

For setup merchant account information, you will want to contact the merchant account provider that you are thinking of working with. This could be your local banker, the one that manages your company’s regular accounts at present. Or it might be another lender with a better merchant account deal that includes lower terms or more useful services. When you select the underwriter for your merchant account, find out which fees will apply. Some merchant account providers seem to charge for a host of things, including the application, setup, gateway, membership, and maintenance, among others. After applying to your account provider of choice and being approved for merchant services, an account representative can work with you to set up merchant account details that will soon have your business equipped for credit card payments.

At that point you can ask more detailed questions about setup merchant account services. For example, if there is a service fee for setup, will you need to pay it first, will it be billed, or will it be deducted from your first month’s sales? Find out who will install the credit card processing software program and whether you must pay for it. Perhaps it will pay for itself in a few months, saving you this initial start-up cost. It is important to find out whether a customer services representative will be standing by to answer customers’ questions and deal with problems that may arise at the Website. Up-to-date contact or email information is essential to reassure customers they can get help when needed. You will need to know if you must find and pay someone for backup of this type or if the merchant services provider will handle this for you.

Your setup merchant account fees should be minimal, but make sure you find out ahead of time what to expect so there are no unpleasant surprises when you can least afford them. After all, you don’t want to go to the trouble and expense of opening a merchant services account only to find that you cannot afford to provide the necessary components to make it operational and customer-friendly. If possible, get a list of services and their prices before signing the contract on your merchant account.

The timeframe for setup merchant account operations should not be excessive. Most underwriters can have your Website ready to start accepting credit card payments within a few days. When they do, you will probably ask yourself why you waited so long to apply for this helpful tool. You also may be interested in getting a wireless credit card processor for travel-related sales and a pager to maintain office-to-employee communications. An e-check processor may be the logical next step.

The commercial sky is the proverbial limit when you inquire about setup merchant account options.

Bad credit personal loans financial backup to face the bad times boldly

Personal needs vary from person to person. Like me you too may desire to make improvements at home or to get married in a lavished style. It is easy to dream but really tough to realize them when you don’t have sufficient funds with you. But, transforming the dreams into reality becomes even more harder when you have a bad credit score. No need to panic or face the embarrassment anymore; bad credit personal loans are here to help you with the cash you need.

A credit check works as a benchmark for lenders in determining the creditworthiness of the borrower. People with bad credit score or history are not considered to be reliable or trustworthy, because they may repeat the mistakes they had done in the past which resulted in a bad credit score. If you have a bad credit score, you can easily recognize the troubles involved in getting a loan. Bad credit may pose to be an evil for many of you, stopping you from getting the desired loan.

With the changing time and increasing number of bad credit cases, lenders have realized the fact that majority of the people get a bad credit score due to none of their error or mistake. Giving due consideration to this fact has given rise to the popularity of bad credit personal loans.

Bad credit personal loans are tailored specifically for the UK people with bad credit history to make it easier for them to realize their dreams with a little financial help. If you are looking for a loan and have a bad credit history, a bad credit personal loan can be the perfect solution helping in meeting the need for funds of diverse group of people.

Not only this, a borrower can enjoy the opportunity to choose between a secured and an unsecured bad credit personal loan. Secured bad credit personal loans are recognized as the loans that attach a clause of collateral with it. In simpler words, a borrower has to put a collateral against the loan taken. This loan provides borrowers with an opportunity to make use of the equity stored in their property. A home, a car or even a saving bank account can work as collateral. Homeowners can enjoy the various benefits of the secured loans. The amount of secured bad credit personal loan usually ranges from Ј5,000 to Ј75,000. In some special cases, lenders may grant you a loan up to 125% of the value of your property. The repayment term usually ranges from 5 to 25 years depending on the lender you choose and the amount you wish to borrow.

Unsecured bad credit personal loans are totally different from secured loans. A borrower is not required to put any security against the loan. This loan is suitable for tenants who do not own a property. Homeowners who do not wish to put their property at risk too can apply for an unsecured bad credit personal loan. Significant feature of unsecured loans is that it gets approved very quickly, as it does not involve the task of valuation of equity value of the borrower’s property. It gives you an opportunity to borrow a loan for up to Ј25,000. The repayment term of an unsecured loan varies from 6 to 10 years.

Whatever loan option you may choose to borrow, secured or unsecured, the main task still remains to be done. You have to search for the best bad credit personal loan that matches your needs and expectations to the best.

In the present era where the technology is progressing day by day, Internet can be the best alternative to search the bad credit personal loan that will keep you away from all the hassles that used to exist when only traditional lenders existed in the past. Searching for the loan online give you the complete ease, comfort and a chance to access infinite number of lenders at the same time from the same place. Do a bit of search. Shop around! Collect loan quotes from various lenders and then compare them to find the best loan options.

Bad credit poses to be a big threat while borrowing loan in the market. Bad credit personal loans can help you get the funds to meet your needs and desires in the best possible manner. Use the loan wisely. You can use the loan money to improve the credit score by paying off the old debts that will help you in grabbing great loan deals and will secure a debt free future.

Be a big winner with football betting tips

There are many ways in which men can get away with playing with their balls, much to the chagrin of wives and girlfriends, and one of them is when they’re playing football. Football, more commonly known as soccer in the United States, has taken most of the world by storm – from being one of Europe’s, South America’s, and Africa’s favorite pastime to being the latest craze in far east Asia and the United States.

Win Big, Lose Small

Like every popular sport, football comes with its own gambling opportunities. It’s a way for fans to show their support, while adding to the already big thrill of the game.

Unlike the risk of high stakes gambling in casinos, however, football betting is relatively harmless enough – if done right. Indeed, if you are aiming for a big payout if your team wins or a painless defeat, you should get the best football betting tips.

Leave No Rock Unturned

Football betting tips are easy enough to find. If you regularly a football league, you must already have an idea about the season’s odds, such as which team is doing well or performing poorly, which players are promising enough and have the potential to lead their team to victory, etc.

It also helps to read up on all the footballs write-ups you can get a hold of. By reading between the lines, you’ll inadvertently uncover some very important football betting tips.

Discuss the sport with enthusiasts like you. Because you all share the same passion for football, there are many things you can learn from each other. Before you know it, you’ll be picking up football betting tips by the buckets.

Lastly, go online. The Internet is a minefield of information, and football betting tips are just some of the many things you can find. You can search for websites dedicated to football and find the season’s statistics, which will help you determine the odds and probabilities of which team will emerge victorious from the field. You can read weblogs, or blogs, of individuals so well-versed in football speak that they’re giving out football betting tips. Also, don’t forget to visit forums where you can swap information and football betting tips with other football fans.

Indeed, there’s always a place to find football betting tips. It’s just a matter of knowing where to look.

Bet Right

It’s one thing to don your favorite Manchester United, Liverpool, or Arsenal colors. It’s another to put your money on them when you have no idea if it will pay off or not.

Remember - don’t make any rash decisions about your money. Before you bet on a team, study the odds and learn from the football betting tips you’ve picked up. Betting right is always in your best interests, and once you’ve picked up that big, fat payout, you’ll know it was worth the effort in finding football betting tips. Just remember that the best tip you can always give yourself is to enjoy the game – win or lose.

Hello from cuernavaca attending the monthly meeting at the newcomers club

This morning I got up early and had a nice breakfast in the inner courtyard of La Nuestra. Shortly before 9 am Andie and I left for her monthly meeting of the Newcomers Club, a group of about 170 mostly English-speaking expatriates from all different countries who have settled in Cuernavaca. Andie Grater has been the president of this volunteer organization for the last 4 years.

We didn't have to drive very far and arrived at an Episcopelian Church where several people were already setting up chairs and coffee for the monthly reunion. Two staff members from the American Consulate in Mexico City were setting up a table with information about taxation, voting and other issues relating specifically to US Citizens living in Mexico. The Newcomers Club often invites speakers or experts on topics related directly to the expatriate community.

I had a chance to speak with a few of the club members. There was a gentleman roughly in his late 50s who had emigrated from Israel three years ago and was now working in real estate and providing catering services for Middle Eastern foods. I also chatted with a young gentleman in his 30s who had emigrated from Poland and now had a wood-working company with his partner, making special wood toys that they sell throughout organic food stores in Mexico. Then I connected with a lady who was originally from Germany, and she and her husband have been working for a long time for a German charity helping blind people all over the world. She has lived all over Latin America as well as Pakistan.

Cuernavaca's Newcomers Club is definitely a very interesting and diverse group of people. Most of the members I saw were in their 50s, 60s and up, although I saw a few younger people. The majority are retirees who have settled in Cuernavaca permanently.

After the initial refreshments were taken, the group settled in and Andie, as the President, made a variety of announcements. Then a lady by the name of Ana Gonzalez, talked about the special project run by an NGO called Caminamos Juntos para la Salud y el Desarollo ("Walking Together for Health and Development"). The project was founded by Susan Smith, a Canadian woman, who has adopted a very poor Mexican village. One of the greatest problems of this village is that its water has been contaminated with arsenic, so drinking water is a real issue. The people of this village are very poor, and every month Susan asks the Newcomers Club to donate different items, from pots and pans, to blankets, toys, school supplies and much more.

Then after a few more announcements, Bob Vockerath, a distinguished looking gentleman in his late seventies, originally from Vancouver, Canada, got up give a special presentation. He talked about several books he had read (Plan B and Limits to Growth) which talk about human impact on the planet and the sustainability of our human activities.

He talked about population growth, resources, industrial output, pollution etc. and showed several charts of projections of where our future might take us. Limits to Growth was first published in 1972 and several experts modeled the development of these key factors and projected them well into the 3rd millenium. From about 2050 onwards their models predict a stark drop in population as resources get depleted, pollution takes on an increasingly destructive level, and industrial output multiplies.

He mentioned some interesting statistics: between 1950 and 2000 the global population increased from about 2.5 billion to 6.1 billion. Average incomes tripled and so did the demand for grain. Economic output multiplied 6.6 times from $7 trillion annually to $46 trillion. The demand for grain is interesting because 1 ton of beef, for example, takes 10 tons of grain to produce, a very resource-intensive form of food production.

Bob Vockerath also went into a brief description of the book Plan B and that its author expounds on 6 basic social goals:

1. Basic universal - primary education

2. Adult literacy programs

3. Family planning

4. School lunches

5. Assisting pre-schoolers

6. Universal basic health care

In addition these social goals are supplemented by earth restoration goals:

1. Reforestation

2. Protection topsoil on croplands

3. Restoring rangelands

4. Restoring fisheries

5. Protecting biodiversity

6. Stabilizing the water table.

Social goals and earth restoration together are forecast to cost an additional $191 million per year over and above what is being spent already.

This contrasts to annual military spending of $975 billion, apparently in the US alone every year $475 billion are spent on defense. So if we simply reallocated our spending we would be in a position to effect tremendous social and environmental change for the better.

The crowd in the room was listening attentively and asked many questions. I was really impressed by this meeting since many people in the audience were in their 60 all the way into their late 80s or beyond and they showed such a strong interest in this topic although the future consequences of these issues will have a much stronger affect on their grand and great-grand children.

As someone with an interest in ecological issues, I found this presentation very informative and concluded that the immigrant community in Cuernavaca is involved in some pretty interesting things...