Friday, March 25, 2011

Rushing into a Relationship

Are you trying to hurry getting into a relationship? If so then you are probably trying too hard. This tends to happen when you see that most of your friends have steady partners, when you feel it is time for you to get married, or when you feel lonely. You tend to rush into an affair, and you are willing to commit to someone despite that that person might not be the right match. This beckons future complications, not to mention even more heartbreak. So why do people behave in this manner, and is there a solution for this problem?

Experiencing the desire to be in a relationship is only natural. It is a biological occurrence and there is nothing unhealthy or immoral about it. In fact, it is an indispensable part of development. The problem creeps in when you enter a relationship to gratify some other yearnings that have no part in the actual relationship.

For example, problems at work, at home, or with your health may make you believe that having a companion is a solution. You may want to escape the situation you are currently in with someone else’s help and by seeking a happier life. This may eventually ruin your relationship because you are getting into it with a load of your own baggage.

You can avoid this in two ways. First, either solve your problems, or second, ensure that your partner supports you from the onset. You must be clear about everything to your future partner and ascertain their support.

Sometimes, failing to get into a relationship repeatedly can lower your self-confidence and make you feel inadequate or unimportant. You obviously want to feel good about yourself instead of feeling so miserable. This may make you plunge into the relationship without really thinking about it. It’s you needing a partner just to prove to yourself that you are capable of attaining one.

Therefore you may end up easily choosing the wrong person and subsequently you would just hurt both yourself as well as the other person. I know because I’ve been there. Thus you should never go into a relationship based on such reasons. Before beginning a relationship, carefully examine yourself, your requirements, and find out what kind of qualities you seek in a partner.

Only when you are sure of these aspects should you start looking for the right individual for yourself. This is the safest and surest way to attain bliss and happiness in love and in life.

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Tuesday, March 22, 2011


Record 2.9 Million U.S. Properties Receive Foreclosure Filings in 2010 Despite 30-Month Low in December:

Florida Foreclosure Activity Drops 22 Percent in December, but Bank Repossessions Spike more than 45 Percent in Nevada, Arizona, California

IRVINE, Calif. - January 2011 - RealtyTrac, the leading online marketplace for foreclosure properties, today released its Year-End 2010 U.S. Foreclosure Market Report, which shows a total of 3,825,637 foreclosure filings - default notices, scheduled auctions and bank repossessions - were reported on a record 2,871,891 U.S. properties in 2010, an increase of nearly 2 percent from 2009 and an increase of 23 percent from 2008. The report also shows that 2.23 percent of all U.S. housing units (one in 45) received at least one foreclosure filing during the year, up from 2.21 percent in 2009, 1.84 percent in 2008, 1.03 percent in 2007 and 0.58 percent in 2006.

Foreclosure filings were reported on 257,747 U.S. properties in December, a decrease of nearly 2 percent from the previous month and down 26 percent from December 2009 - the biggest annual drop in foreclosure activity since RealtyTrac began publishing its foreclosure report in January 2005 and giving December the lowest monthly total since June 2008.

December Default notices (NOD, LIS) decreased 4 percent from the previous month and were down 35 percent from December 2009; Scheduled foreclosure auctions (NTS, NFS) decreased 3 percent from the previous month and were down 20 percent from December 2009; and bank repossessions (REO) increased nearly 4 percent from the previous month - thanks in part to substantial month-over-month increases in some states such as Nevada (71 percent increase), Arizona (52 percent increase) and California (47 percent increase) - but were still down 24 percent from December 2009.

Foreclosure filings were reported on 799,064 U.S. properties in the fourth quarter, a 14 percent decrease from the previous quarter and an 8 percent decrease from the fourth quarter of 2009. The fourth quarter total was the lowest quarterly total since Q4 2008.

Total properties receiving foreclosure filings would have easily exceeded 3 million in 2010 had it not been for the fourth quarter drop in foreclosure activity - triggered primarily by the continuing controversy surrounding foreclosure documentation and procedures that prompted many major lenders to temporarily halt some foreclosure proceedings, said James J. Saccacio, chief executive officer of RealtyTrac. Even so, 2010 foreclosure activity still hit a record high for our report, and many of the foreclosure proceedings that were stopped in late 2010 - which we estimate may be as high as a quarter million - will likely be re-started and add to the numbers in early 2011.

Nevada, Arizona, Florida post top state foreclosure rates

More than 9 percent of Nevada housing units (one in 11) received at least one foreclosure filing in 2010, giving it the nation?s highest state foreclosure rate for the fourth consecutive year despite a 5 percent decrease in foreclosure activity from 2009. Nevada foreclosure activity in December increased 18 percent from the previous month and was up 14 percent from December 2009. Fourth quarter foreclosure activity in Nevada decreased nearly 7 percent from the previous quarter but increased 19 percent from the fourth quarter of 2009.

Arizona registered the nation's second highest state foreclosure rate for the second year in a row, with 5.73 percent of its housing units (one in 17) receiving at least one foreclosure filing in 2010, and Florida registered the nation?s third highest foreclosure rate, with 5.51 percent of its housing units (one in 18) receiving at least one foreclosure filing during the year.

Other states with 2010 foreclosure rates ranking among the nation's 10 highest were California (4.08 percent), Utah (3.44 percent), Georgia (3.25 percent), Michigan (3.00 percent), Idaho (2.98 percent), Illinois (2.87 percent), and Colorado (2.51 percent).

California, Florida, Arizona, Illinois and Michigan account for half of national total

Five states accounted for 51 percent of the nation?s total foreclosure activity in 2010: California, Florida, Arizona, Illinois and Michigan. Together these five states documented nearly 1.5 million properties receiving a foreclosure filing during the year despite annual decreases in the three states with the most foreclosure activity.

A total of 546,669 California properties received a foreclosure filing in 2010, a decrease of nearly 14 percent from 2009 but still the largest state total. After hitting a two-year low in November, California foreclosure activity rebounded nearly 15 percent higher in December but was still down 18 percent from December 2009.

Florida posted the nation's second biggest total in 2010, with 485,286 properties receiving a foreclosure filing - a 6 percent decrease from 2009. Florida foreclosure activity in December hit the lowest monthly level since July 2007, down 22 percent from the previous month and down nearly 54 percent from December 2009.

A total of 155,878 Arizona properties received a foreclosure filing in 2010, a 4 percent decrease from 2009 but the third biggest state total for the third straight year. Arizona foreclosure activity in December jumped nearly 31 percent higher from a 32-month low in November, but was still down nearly 33 percent from December 2009.

Illinois posted the fourth biggest state total, with 151,304 properties receiving a foreclosure filing in 2010, and Michigan posted the fifth biggest state total, with 135,874 properties receiving a foreclosure filing during the year. Foreclosure activity in both states increased about 15 percent from 2009.

Other states with 2010 totals among the 10 biggest in the country were Georgia (130,966), Texas (118,923), Ohio (108,160), Nevada (106,160), and New Jersey (64,808).

Report methodology

The RealtyTrac Year-End U.S. Foreclosure Market Report provides a count of the total number of properties with at least one foreclosure filing entered into the RealtyTrac database during the year. Some foreclosure filings entered into the database during the year may have been recorded in the previous year. Data is collected from more than 2,200 counties nationwide, and those counties account for more than 90 percent of the U.S. population. RealtyTrac?s report incorporates documents filed in all three phases of foreclosure: Default - Notice of Default (NOD) and Lis Pendens (LIS); Auction - Notice of Trustee Sale and Notice of Foreclosure Sale (NTS and NFS); and Real Estate Owned, or REO properties (that have been foreclosed on and repurchased by a bank). For the annual and quarterly reports, if more than one foreclosure document is received for a property during the year or quarter, only the most recent filing is counted in the report. The annual, quarterly and monthly reports all check if the same type of document was filed against a property previously. If so, and if that previous filing occurred within the estimated foreclosure timeframe for the state where the property is located, the report does not count the property in the current year, quarter or month.

RealtyTrac - Foreclosure Data, 2010 (ALL)

RealtyTrac - Foreclosure Data, Q4 2010

RealtyTrac - Foreclosure Data, December 2010

Wednesday, March 9, 2011

Forum Marketing Can Become Addicting

Forum marketing is a great means of marketing if it is done correctly. However, it can be the financial equivalent of stepping on a land mine. Forum marketing basically shows your expertise and helps your build a reputation. That is, if you do it the right way. On the other hand, doing it incorrectly will only reflect your lack of expertise and turns your name into mud.

Once you have decided which forums you will use, go through their rules and regulations. Each forum’s rules and regulations are different. Many have banned topics, and some allow advertisements while others do not. So the first thing to do is learn the rules of the road because not following the forum’s rules will terminate your profile. Furthermore, even if allowed you should not advertise through your posts or comments. Rely on the signature to promote you and your business.

Before you start actually posting go thoroughly through the forum’s contents once. Reading through the forum will give you a good idea about what the forum is all about and the best way to approach it. Trying to barge in will have a negative impact within the forum and that is one land mine you surely want to avoid.

Always remember that along with newcomers the best known brains in the online marketing industry are also posting on these forums. So, before you post something on a given topic or try to comment on a post make sure you have the necessary expertise to comment. If you do not have the necessary knowledge and shoot from the hip then at best you will be ignored, or at worse, experienced marketers will call you to task and that will certainly ruin your reputation.

There is nothing wrong in creating a little controversy in these forums. I sometimes acquire some of my best and most successful business ideas from such forum topics which have created some form of argument among the ranks, but understand that this is entirely different than being called a fraud. This means if you are called to task then you should be ready to back up your argument with evidence.

Therefore, comment when you can help someone with a problem, otherwise keep mum. The objective of forums is all about helping each member with a common goal. If you can provide help then go for it because whether good or bad, the reputation you create on the forums will be synonymous with you throughout your online career in internet marketing.

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Saturday, March 5, 2011

Forex Trading Tools & The Three Trend Line Strategy

There is no one single super smart FOREX trading tool that gives you profit, profit, and more profit. The only possible solution is using a combination of different tools to identify the favorable market forces to get the most high probability trades over a period of time. Trend lines are the most popular and reliable FOREX trading tool that successful traders will recommend.

Trend Lines are an important tool for trend identification and confirmation in technical analysis. Trend lines are straight lines that connect two or more price points and extend into the future to guide you.

There will be lines drawn across significant lows in an uptrend, and across significant highs in a downtrend. To roughly classify trend lines, we can divide them into three types: short term trend lines, medium term trend lines, and long term trend lines.

1. Short Term Trend Lines

These lines are drawn across the most recent two lows for an uptrend or across most recent two highs for a downtrend. The best observations are found on a smaller time frame such as a 15 minute or 30 minute chart.

2. Medium Term Trend Lines

These are best observed on a higher time frame like a 60 minute chart. These lines either connect the nearest significant low to current price action to the previous significant low in an uptrend or the nearest significant high to current price action to the previous significant high in a downtrend.

3. Long Term Trend Lines

These use higher time frames such as the 4 hour chart or the daily chart to draw long term trend lines using the same method of Medium Term Trend Lines. The long term trend line is considered as an effective FOREX trading tool. The daily chart is used mostly by traders of big institutions who do not usually engage in small moves on an intraday level.

By drawing a trend line on a daily chart you can graphically analyze where price is and where it is likely to bounce, but you should employ trend lines as a FOREX trading tool with caution and discretion. Covering your charts with every trend line possible will result in confusion and blurry analysis.

It is not a good idea to rely completely on a short time trend line as these merely give you a defined picture of current price action. These are broken often during the course of a day. Their main use is to give you a clear, instantly recognizable graphical representation of current price behavior.

If you notice the price coming back to test a trend line on the higher time frames, look at other factors. Draw in horizontal lines to mark key support and resistance using previous highs and lows. Draw Fibonacci retracement and extension levels. Calculate the daily pivot points and put them on your chart. Have the 200 EMA (Exponential Moving Average) shown on your charts.

Do this and you will maximize the benefits of the three trend line strategy.

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