Free Realtor Lunch Blog

Need to use a Steam Cleaner ?

2010-10-12T21:56:00.001-04:00

There's no job round the home worse than that of cleaning. It is a job that sneaks up on all of us and it's not even the obvious jobs which are the worst. Frequently it's those areas of the home that just get slowly dirtier and dirtier right up until we finally have to do something about them.

Maybe it's carpeting that has just reached the point where it never appears clean or it may be something similar to a Hot tub or shower that requires just a little special treatment to bring back the sparkle.

In either case, steam cleaning is an amazingly effective way to get the job done both easily and quickly. Listed here are three ways that your power steamer will make a difference for your cleaning routine.

Show your carpeting to a steam carpet cleaner and the heated steam action will lift all the extra grime from your carpet and put it back into the dirty water reservoir where you can be amazed at all the filth that you didn't have any idea was there.

Take your steam cleaner to the bathroom and the steam will allow you to clean your shower without leaving hundreds of water tracks from regular cleaning and when you get to your Jacuzzi, all the old soap residue and muck will break down in the heat of the steam. For many new users of steam cleaners, this alone may come as a genuine revelation; cleaning parts of the home that had frequently been abandoned as being just too challenging or nasty.

Lastly, don't forget the power that steam brings into your do-it-yourself life. Utilizing a power steamer on wallpaper, turns stripping your walls clean into an (almost) enjoyable job. It will never be perfect, but you'll find that persistent paste finally giving way and your job will be far easier.

These are merely three simple ways that a power steamer can transform your cleaning tasks and you'll discover plenty more as you own one of these marvels of modern cleaning.

If you are searching for steam cleaner reviews of the best power steamers currently available, then click through to steam cleaner reviews guide for the best advice.

Technorati : bathroom, cleaning, clothes, steam

Del.icio.us : bathroom, cleaning, clothes, steam

Zooomr : bathroom, cleaning, clothes, steam

Flickr : bathroom, cleaning, clothes, steam

Google's New Aardvark - Move aside Facebook

2010-02-23T22:10:00.001-05:00

Afterlaunching Buzz last week, Google have continued on the social track by now acquiring social search service Aardvark.

The deal, rumoured to be worth around $50 million, could see Google use the social search engine as an answer to, well, Yahoo! Answers. Through IM, Twitter and e-mail, Aardvark lets you ask full-text questions and then takes your social connections and attempts to identify the best person within your network (or extended network - friends and family) who might be able to assist in giving that answer.

Here is how Wired explains the concept behind Aardvark:

Users who sign up give (Aard)Vark access to one of their social networks - Facebook, LinkedIn or the e-mails in their contact list. Users then say what things they are confident answering questions about (e.g. chess, cooking, country music). Vark then routes future questions - such as what's the best country band out of the south from the 1970s or where's a good sushi restaurant near Santa Monica - to the right person. A series of algorithms keeps tuning the targeting by watching if a user's answers are quick and useful, deciding whether their friends are also experts, and checking if a user is online or has been asked to answer too many questions recently.

The news was confirmed by Aardvark CEO (and ex-Googler) Max Ventilla who emailed TechCrunch with the following: "We can confirm that Google has signed a deal to acquire us but have no further comment."

So I'm afraid that's all the news we have so far folks, but if we hear anything more, we will be sure to let you know.

Technorati : facebook, google, media, social

Del.icio.us : facebook, google, media, social

Zooomr : facebook, google, media, social

Flickr : facebook, google, media, social

Your Guide to Feeling Great and Looking Glamorous

2010-01-20T22:25:00.001-05:00

There are some incredible advantages to having good posture. Aside from making you look taller and thinner, good posture enables you to feel your absolute best. When you consider these benefits, it's rather strange more emphasis isn't put on achieving the proper posture. We'd like to introduce you to a man who's out to change that...one spine at a time.

Meet Dr. Paul Drew, a man who has dedicated his life to the subject of posture. Drew began his journey 22 years ago when he earned the credentials to be a certified massage therapist. He went on to receive his Bachelor of Science degree in kinesiology from the University of Southern California in 1996, and ultimately his clinical doctorate degree in physical therapy in 1999.

During the last decade, Dr. Drew's clients have included celebrities such as Madonna, Phil Jackson, Al Pacino, Burt Bacharach, Renee Russo and Sharon Stone. With his skills in both massage and physical therapy, Drew helps patients with issues that range from tense muscles to severe injuries. They are experiences, he claims, that have formed his belief in the importance of having good posture.

Why is Posture Important?

"Where should I start?" asks Drew, stating that chronic tension headaches are one of the first signs of bad posture. It is a trend he has seen in great numbers of patients who spend a lot of time at a computer, especially those who use a laptop.

"The natural tendency," he says, "is to round the shoulders toward the screen." Accentuated with laptop use because of its lower positioning, rounding the shoulders puts incredible strain on the muscles in the neck. This leads to stiff necks and backs, tension headaches and various problems pertaining to the shoulders.

Another affect of rounding the shoulders is the tendency for muscles in the lower back to cave in toward the navel. Drew explained that the body compensates for itself. Whenever there is an imbalance in one area, the body creates an imbalance in another. Once the lower back starts caving in, issues such as lower back pain, herniated discs, and arthritis of the spine start to occur. The doctor added that problems with either the hips or knees could easily follow next.

According to Drew, practicing good posture will not only protect you from injury and enable you to live a healthier and more active life, but it will also improve your self-esteem. He says it's a practice that both lengthens and slims the body, claiming that no matter the body type it is sure to have aesthetic affects. It is this belief that inspired Drew to write his book.

Red Carpet Posture

"I feel it's become a little too popular, especially for women, to have bad posture," states Drew. Noticing it first by watching celebrities on the red carpet, he says that it has become almost en vogue for women to slouch. Drew looks at his book, Red Carpet Posture, as a way to correct this by providing knowledge, advice and exercises on how to achieve and maintain good posture.

The exercises, he says, are targeted to strengthening the muscles that help with posture. Tried and true, they are relatively easy to do and can fit into any workout regimen. He says they also carry secondary benefits such as helping with weight control, body fat maintenance and overall conditioning.

"Good posture is glamorous!" says Drew, adding that it was actually a prerequisite for being an actor or actress back in the Golden Age of film. Glamour is something he'd like to bring back for everyone, claiming that along with it will come enhanced confidence and self-esteem.

What Causes Bad Posture?

Seeking a glimpse into his book, we asked Dr. Drew about some of the behaviors that cause bad posture. "Weight gain, especially in the belly, can play a big role," he claims. Reiterating the idea that the body compensates for itself, he says excess belly weight is just another means for the lower back to start caving inward.

How we sit also affects our posture. From driving in our cars to sitting at a desk working on the computer, Drew says that most people don't give it nearly enough thought.

Claiming it all starts with positioning, Drew recommends choosing a desk and chair that are the correct height for your body. The second step is using a computer stand to position the monitor at eye level. This helps the shoulders stay back, as opposed to rolling forward.

He also suggests staying away from desk chairs with wheels. Citing the fact that most floors aren't perfectly flat or even, chairs on wheels have a tendency to roll. Even if the floor's difference is slight, Dr. Drew says the act of using your feet to brace yourself puts undo stress on the lower back.

Sitting in one spot for too long a time is also a negative, as our muscles and concentration will eventually start to tire. He recommends keeping track of the time we sit at our desks or behind the wheel of a car. As a regular practice, Drew advises, "Take a break every hour or so to get up and walk around."

Another horrible habit according to the doctor is the practice of talking on the telephone with it pinned between our ear and shoulder. It is an unnatural position for our neck that puts undo stress on the entire body. It is easily remedied, however, by purchasing an inexpensive headset at any office supply store.

The bed you sleep in is also a big deal when it comes to your posture, but it has less to do with the mattress's firmness than it does its evenness. Drew says that most mattresses have a tendency to weaken in the middle over the course of time, causing the spine to conform to that shape. He says if your mattress is more than seven years old, you should look into buying a new one.

Pillows are also important. Drew suggests finding a thickness and firmness that works for you. The most important factor, however, is where you place your head on the pillow. He says no matter if you sleep on your back or side you should position the fattest part of the pillow directly underneath the base of your skull. This placement is optimal for keeping the spine in a straight position.

How Do We Correct Our Posture?

Aside from the exercises he puts forth in his book, Drew offers up a few tips that will have an immediate positive effect on your posture.

The doctor recommends focusing on keeping your shoulder blades down and pulled back. He likens it to imagining you have an orange on your back and you're trying to squeeze it with your shoulder blades. Doing so will not only lengthen the spine, but it will also take undo pressure off the muscles in your neck.

In addition, Drew advises to keep your bellybutton drawn up and in toward your spine. This action, he says, will rotate your hips so they are positioned underneath you, providing both balance and support.

The doctor also gives some advice you've probably already heard - suck in your stomach. He's says it not only serves as a good reminder for his shoulder and bellybutton techniques, but it also burns calories and strengthens abdominal muscles.

Considering that good posture has a lot to do with training your muscles to stay in certain positions, Dr. Drew has developed a line of clothing that provides some much needed help. Teaming up with fashion designer and Project Runway contestant, Vincent Libretti, Drew is launching a line of clothes he refers to as "active couture-wear".

With the ability to be worn daily, as well as to fancy occasions, the clothing is designed to accentuate the female body. What makes the clothing truly unique, however, is that whenever a woman slouches, the clothes pull on her muscles to let her know. He likes this idea because the woman is using her own body, as opposed to a support or a brace, to correct her posture. It also serves as the perfect parallel to his mantra - having good posture is the greatest fashion statement you can make.

Technorati : posture, robert, robertjrussell

Del.icio.us : posture, robert, robertjrussell

Zooomr : posture, robert, robertjrussell

Flickr : posture, robert, robertjrussell

Cup of Coffee Pork Roast

2010-01-16T09:44:00.000-05:00

Recipe For January!

It's a cup of joe -- as in java -- that brings this poignant pork roast to life. To say it's brewing in goodness would be an understatement.

Main Ingredient

Pork

Cooking Method

Sautée Bake

Difficulty

Easy

Course/Dish

Meat

Makes

6-8 servings

1 Cup of Coffee Pork Roast

Created by The MDM Team, Sunday, 17 February 2008

It's a cup of joe -- as in java -- that brings this poignant pork roast to life. To say it's brewing in goodness would be an understatement.

Ingredients

3 lb. pork roast, trimmed of fat

1 tbsp. vegetable oil

1/4 cup soy sauce

1 cup coffee

2 bay leaves

1 clove garlic, minced

1/2 tsp. oregano

2 onions, sliced

Additional coffee and soy sauce as needed

Methods/steps

Preheat oven to 300 degrees.

Heat oil in large skillet over high heat, and then sear meat on both sides. In a large roasting pan, combine one onion and remaining ingredients. Transfer browned meat to roasting pan and top with second onion.

Cover and bake 3 1/2 to 4 hours. Baste every hour with juices. If liquid begins to boil away, add more coffee or soy sauce as needed. Use pan juices to make gravy. Use no salt.

Additional Tips

Ready in 4 hours

For more information about Food - Visit http://www.robertjrussell.com - you won't find any recipes on this site - but I think you might like it!

Technorati : Healthy, Hunger, Italian, Recipe

Del.icio.us : Healthy, Hunger, Italian, Recipe

Zooomr : Healthy, Hunger, Italian, Recipe

Flickr : Healthy, Hunger, Italian, Recipe

Government health insurance option appears doomed

2010-01-09T21:19:00.001-05:00

WASHINGTON - Senior House Democrats have largely abandoned hopes of including a government-run insurance option in the final compromise health care bill taking shape, according to several officials, and are pushing for other measures to rein in private insurers.

House Speaker Nancy Pelosi and other senior Democrats told President Barack Obama in recent meetings they want the legislation to strip the insurance industry of a long-standing exemption from federal antitrust laws, officials said. That provision is in the House-passed measure, but was omitted from the bill that the Senate passed on Christmas Eve.

They also want the final measure to include a House-passed proposal for a nationwide insurance exchange, to be regulated by the federal government, where consumers could shop for private coverage. The Senate bill calls for a state-based system of exchanges.

Additionally, House Democrats want to require insurers to spend a minimum amount of premium income on benefits, thereby limiting what is available for salaries, bonuses, advertising and other items. The House bill sets the floor at 85 percent; the Senate-passed measure lowers it to 80 percent for policies sold to small groups and individuals.

The officials spoke on condition of anonymity because the negotiations are private.

The maneuvering comes as the White House and majority Democrats intensify efforts to agree on a final measure, possibly before Obama delivers his State of the Union address late this month or early in February.Government intervention into the insurance market is one of the most contentious issues to be settled. Others include the fate of a Senate-passed tax on high-cost insurance plans, bitterly opposed by some labor unions; the extent to which abortions could be covered by insurance to be sold in the new exchanges; and the amount of money available to help lower-income families purchase coverage.

Liberals long have pressed to include a government-run insurance option in the legislation, arguing it would create competition for private companies and place a brake on costs.

House Democrats included it in their legislation. In the Senate, it drew opposition from Democratic moderates whose votes are essential to the bill's fate. Even attempts to include an expansion of Medicare for uninsured individuals as young as age 55 - widely viewed as a face-saving proposal for liberals - had to be jettisoned.

Given the opposition in the Senate, Pelosi, D-Calif., signaled late last year she did not view a public option as a requirement for a final compromise. Asked in an interview Dec. 16 whether she could support legislation without it, she said, "It depends what else is in the bill."

More recently, she listed her goals for a House-Senate compromise without mentioning the provision she long has backed.

"We are optimistic that there is much that we have in common in both of our bills and that we will resolve or reconcile this legislation in a way that is a triple A rating: affordability for the middle class, accountability for the insurance companies, and accessibility to many more people in our country to quality, affordable health care," she said.

While Obama favors a government option, he has said repeatedly it is only a small part of his overall effort to remake the health care system, and is not essential.

Pelosi and Senate Majority Leader Harry Reid, D-Nev., have expressed optimism about chances for a swift agreement, but there appears to be relatively little maneuvering room. That is particularly true in the Senate, where 60 votes will be needed to overcome a Republican filibuster, and any change carries the risk of alienating a Democrat whose vote is crucial.

The bill's future is further complicated by a scheduled Jan. 19 election in Massachusetts. Some polls show Democrat Martha Coakley in a closer-than-expected race against Republican Scott Brown and an independent contender. The winner will replace Sen. Paul Kirk, who became the 60th member of the Democratic caucus when he was named to his seat as successor to the late Sen. Edward M. Kennedy.A Republican upset would deprive Democrats of their 60th vote.

Some House Democrats say the proposed government insurance option remains alive, although they speak publicly of its possible demise as long as insurance companies aren't let off the hook.

California Rep. Xavier Becerra, who's on the leadership team, said House members would only be willing to abandon the public plan if they were certain the final bill achieves the goals they want, as Pelosi described.

"We're willing to give up what's good for America as long as we get something good back," he said.

Rep. Chris Van Hollen of Maryland, also a member of the leadership, agreed.

"I think the House is very much of a view that before they'd consider dropping the public option" they have to be assured of a bill that achieves the goals they wanted the public option to meet.

But officials said little if any time has been spent in White House meetings on the issue, and there was scant discussion of it during a conference call for members of the Democratic rank and file earlier this week.

By DAVID ESPO, AP Special Correspondent David Espo, Ap Special Correspondent

Technorati : companies, democrats, insurance, obama

Del.icio.us : companies, democrats, insurance, obama

Zooomr : companies, democrats, insurance, obama

Flickr : companies, democrats, insurance, obama

Start your own Social Network

2010-01-07T22:53:00.001-05:00

Many people ask me how I get so much business....and it is a very simple answer but you may not believe it but I have my own Social Network.

Some people use Facebook, LinkedIn, MySpace etc - I use the Robert J Russell Social Network

If you would like to join the Robert J Russell Social Network - simply click on this link:

http://robertjrussellsocialnetwork.ning.com/profiles/members/

Come Join us today !!

Robert J Russell - 972-679-9029

Technorati : facebook, linkedin, myspace, robertjrussell

Del.icio.us : facebook, linkedin, myspace, robertjrussell

Zooomr : facebook, linkedin, myspace, robertjrussell

Flickr : facebook, linkedin, myspace, robertjrussell

Obama backs high-end health plan tax

2010-01-06T22:26:00.001-05:00

WASHINGTON - President Barack Obama signaled to House Democratic leaders Wednesday that they'll have to drop their opposition to taxing high-end health insurance plans to pay for health coverage for millions of uninsured Americans.

In a meeting at the White House, Obama expressed his preference for the insurance tax contained in the Senate's health overhaul bill, but largely opposed by House Democrats and organized labor, Democratic aides said. The aides spoke on condition of anonymity because the meeting was private.

House Democrats want to raise income taxes on high-income individuals instead and are reluctant to abandon that approach, while recognizing that they will likely have to bend on that and other issues so that Senate Majority Leader Harry Reid, D-Nev., can maintain his fragile 60-vote majority support for the bill.

House Speaker Nancy Pelosi and four committee chairmen met with the president Wednesday as they scrambled to resolve differences between sweeping bills passed by the House and Senate. The aim is to finalize legislation revamping the nation's health care system in time for Obama's State of the Union address early next month.

Despite the dispute over the payment approach, Pelosi, D-Calif., emerged from the meeting expressing optimism.

"We've had a very intense couple of days," Pelosi said. "After our leadership meeting this morning, our staff engaged with the Senate and the administration staff to review the legislation, suggest legislative language. I think we're very close to reconciliation."

Congressional staff members stayed at the White House into the evening to continue work, and a conference call of the full House Democratic caucus was scheduled for Thursday. Obama is taking a more direct role than ever, convening Oval Office meetings Tuesday and Wednesday of House Democratic leaders.

The House and Senate bills are alike in many ways. Both impose first-time requirements for almost all Americans to purchase health insurance, providing subsidies for lower- and middle-income people to help them do so, though the subsidies in the House bill are more generous. Both establish new marketplaces called exchanges where people can go to shop for and compare healthinsurance plans. Both would ban unpopular insurance company practices including denying coverage to people with pre-existing health conditions.

Differences include whom to tax, how many people to cover, how to restrict taxpayer funding for abortion and whether illegal immigrants should be allowed to buy coverage in the new markets with their own money. The House bill covers about 36 million uninsured Americans over 10 years, costing more than $1 trillion, while the cheaper Senate bill covers about 31 million.

House Democrats are steeling themselves to abandon establishment of a new government insurance plan opposed by moderates in the Senate, but in return hope to get the Senate to rescind insurers' antitrust exemption, make subsidies more affordable and agree to establishment of national rather than state health insurance exchanges, among other things. Obama has signaled his support for the House position on the subsidies and other areas, aides said.

The difference in how the bills are paid for is emerging as among the toughest disputes.

The House wants to increase income taxes on individuals making more than $500,000 and couples over $1 million, which would raise $460 billion over 10 years to pay for the bill. The Senate wants to tax insurance companies on plans valued at over $8,500 for individuals and $23,000 for couples, raising $150 billion. Most analysts say the insurance tax would be passed on to consumers, and organized labor is strongly opposed, as are House Democrats, some of whom contend that the tax would violate Obama's campaign pledge not to tax the middle class.

"We did in our house bill something that protects middle class Americans from having to pay more for health insurance," Rep. Xavier Becerra, D-Calif., a member of the House leadership, said Wednesday. "So far we want to stay to that principle."

House members "have been very clear on that issue and working with the president to stick to what he said when he was campaigning for president, we're trying to make sure this does not affect middle class Americans," Becerra said.

Obama has defended the tax as a way to drive down health costs.

"I'm on record as saying that taxing Cadillac plans that don't make people healthier but just take more money out of their pockets because they're paying more for insurance than they need to, that's actually a good idea, and that helps bend the cost curve," the president said in an interview with National Public Radio just before Christmas. "That helps to reduce the cost of health care over the long term. I think that's a smart thing to do."

In the end the House likely will have to accept the insurance plan tax at some level - say starting with plans valued at $25,000 or more, with carve-outs for certain union professions - but it might not happen without a fight.

A provision in the Senate bill to increase the Medicare payroll tax on high-earners could provide some middle ground, although that measure would raise only $87 billion over a decade.

By ERICA WERNER, Associated Press Write

(This version CORRECTS that Obama's State of the Union address to be early next month.)

Technorati : Indiana, Kentucky, Maryland, Nevada, North Carolina., Ohio, Oklahoma, Tennessee, Texas, Virginia

Del.icio.us : Indiana, Kentucky, Maryland, Nevada, North Carolina., Ohio, Oklahoma, Tennessee, Texas, Virginia

Zooomr : Indiana, Kentucky, Maryland, Nevada, North Carolina., Ohio, Oklahoma, Tennessee, Texas, Virginia

Flickr : Indiana, Kentucky, Maryland, Nevada, North Carolina., Ohio, Oklahoma, Tennessee, Texas, Virginia

Texas study confirms lower autism rate in Hispanics

2009-12-29T22:22:00.001-05:00

Hispanic kids are less likely than their non-Hispanic white counterparts to be diagnosed with autism, and socioeconomic factors don't seem to explain the difference, according to a new study in Texas schoolchildren.

"These findings raise questions: Is autism under diagnosed among Hispanics? Are there protective factors associated with Hispanic ethnicity?" Dr. Raymond F. Palmer of the University of Texas Health Science Center in San Antonio and his colleagues write in the American Journal of Public Health.

Other research has shown a lower risk of autism among Hispanic individuals, while one study found that Hispanics with autism were typically diagnosed later than autistic children of other ethnic backgrounds. Autism could be under diagnosed among Hispanics, Palmer and his team note, given that these children are less likely to have health insurance and more likely to have trouble accessing medical care.

To investigate the factors behind the difference in prevalence, the researchers looked at data on 1,184 schools in 254 Texas counties, calculating the number of children in kindergarten through 12th grade in each district who had been diagnosed with autism.

For every 10 percent increase in Hispanic schoolchildren in a given district, the researchers found, the prevalence of autism decreased by 11 percent, while the prevalence of kids with intellectual disabilities or learning disabilities increased by 8 percent and 2 percent, respectively.

The reverse was seen as the percentage of non-Hispanic white children in a district increased, with the prevalence of autism rising by 9 percent and the prevalence of intellectual and learning disabilities falling by 11 percent and 2 percent.

The observed relationships remained for Hispanic children after the researchers accounted for key socioeconomic and health care provider factors, although "urbanicity" of a district, median household income, and number of health care professionals did explain the increased percentage of autism among districts with more non-Hispanic white kids -- a finding the researchers call "curious."

Whether lower autism prevalence in Hispanics is attributable to other, still-unexamined socioeconomic, health care delivery or biological factors "remains a crucial area for further research," Palmer and colleagues conclude.

SOURCE: American Journal of Public Health, December 2009.

http://www.robertjrussell.com

Technorati : american, health, public

Del.icio.us : american, health, public

Zooomr : american, health, public

Flickr : american, health, public

How to hide files in .JPEG Pictures

2009-12-21T22:24:00.001-05:00

If you're looking to hide files on your PC hard drive, you may have read about ways to encrypt folders or change the attributes on a file so that they cannot be accessed by prying eyes. However, a lot of times hiding files or folders in that way requires that you install some sort of software on your computer, which could then be spotted by someone else.

I've actually written quite a few articles on how you can hide files and folders in Windows XP and Vista before, but here I'm going to show you a new way to hide files that is very counter-intuitive and therefore pretty safe! Using a simple trick in Windows, you can actually hide a file inside of the JPG picture file!

You can actually hide any type of file inside of an image file, including txt, exe, mp3, avi, or whatever else. Not only that, you can actually store many files inside of single JPG file, not just one! This can come in very handy if you need to hide files and don't want to bother with encryption and all that other technical stuff.

Hide File in Picture

In order to accomplish this task, you will need to have either WinZip or WinRAR installed on your computer. You can download either of these two off the Internet and use them without having to pay anything. Here are the steps for creating your hidden stash:

Create a folder on your hard drive, i.e. C:\Test and put in all of the files that you want to hide into that folder. Also, place the image that you will be using to hide the files in.

Now select all of the files that you want to hide, right-click on them, and choose the option to add them to a compressed ZIP or RAR file. Only select the files you want to hide, not the picture. Name it whatever you want, i,e. "Hidden.rar".

Now you should have a folder that looks something like this with files, a JPG image, and a compressed archive:

Now here's the fun part! Click on Start, and then click on Run. Type in "CMD" without the quotes and press Enter. You should now see the command prompt window open. Type in "CD \" to get to the root directory

. Then type CD and the directory name that you created, i.e. "CD Test".

Now type in the following line: "copy /b DSC06578.JPG + Hidden.rar DSC06578.jpg" and press Enter. Do not use the quotes. You should get a response like below:

Just make sure that you check the file extension on the compressed file, whether it is .ZIP or .RAR as you have to type out the entire file name with extension in the command. I have heard that some people say that they have had problems doing this with a .ZIP extension, so if that doesn't work, make sure to compress to a .RAR file.

And that's it! The picture file will have been updated with the compressed archive inside! You can actually check the file size of the picture and see that it has increased by the same amount as the size of the archive.

You can access your hidden file in two ways. Firstly, simply change the extension to .RAR and open the file using WinRAR. Secondly, you can just right-click on the JPG image and choose Open With and then scroll down to WinRAR. Either way, you'll see your hidden files show up that you can then extract out.

That's it! That is all it takes to hide files inside JPG picture files! It's a great way simply because not many people know it's possible and no one even thinks about a picture as having to the ability to "hide" files. Enjoy!

For information: Visit http://www.robertjrussell.com

Technorati : files, jpeg, robertjrussell

Del.icio.us : files, jpeg, robertjrussell

Zooomr : files, jpeg, robertjrussell

Flickr : files, jpeg, robertjrussell

If Danny Cahill Wins the Biggest Loser, Bunn-O-Matic Corporation ® Will Donate up to $25,000 Worth of Coffee Brewers to Charity

2009-12-08T20:14:00.001-05:00

BUNN, a leader in beverage equipment, is pleased to announce that if Danny Cahill is named The Biggest Loser champion, they will donate a home coffee brewer for every pound he loses to a non-profit hunger relief organization. Danny owns a BUNN home coffee brewer and the company wants to show their support for his inspirational weight loss journey.

Springfield, IL (PRWEB) December 6, 2009 -- BUNN, a leader in beverage equipment, is pleased to announce that if Danny Cahill is named The Biggest Loser champion, they will donate a home coffee brewer for every pound he loses to a non-profit hunger relief organization.

BUNN GRX-B Home Coffee Brewer

But why Danny and not one of the other contestants?

BUNN is committed to our customers and wants to recognize Danny as an inspiration of what is possible when you are committed to a goal

Contact:

Lisa McCloud, Director of Marketing, Retail Division

Bunn-O-Matic Corporation

800-352-2866

http://www.bunn.com

Lisa McCloud, Director of Marketing, is a fan of the show and has been following Danny's weight loss progress throughout Season 8. During episode 812, she saw that Danny has a BUNN coffee brewer in his home in Broken Arrow, Oklahoma. "As a fan and a BUNN employee, I was very excited to see that Danny owns one of our coffee brewers!" commented Ms. McCloud. "His success this season has been a true testament to hard work and dedication. These are qualities that we admire and that represent the products and services that we provide to our customers. We want to do something to support Danny in his final push to the finale and are guessing that he will lose between 225 - 250 pounds. That equates to up to $25,000 worth of coffee brewers that could be donated."

"BUNN is committed to our customers and wants to recognize Danny as an inspiration of what is possible when you are committed to a goal" said Aimee Markelz Tracy, Senior VP Retail Division. "We're excited to see the finale and wish Danny the best of luck."

About BUNN

Bunn-O-Matic Corporation (BUNN) is a pioneer in the beverage equipment industry. BUNN was founded in 1957 and built on innovations including the first flat-bottom paper coffee filter for commercial use and the first pourover coffee brewer. Today, BUNN continues to innovate commercial beverage equipment and home coffee brewers from its global headquarters in Springfield, Illinois and provides comprehensive service to customers throughout the world. For more information, please visit www.bunn.com or call 1-800-637-8606 or +1-217-529-6601. Find us on Facebook at http://facebook.com/BUNN or follow our news on Twitter at http://twitter.com/BUNN.

To find out about Real Estate or Insurance visit: http://www.robertjrussell.com

Technorati : BiggestLoser, Danny, Loser, Loss, RobertJRussell, Weight

Del.icio.us : BiggestLoser, Danny, Loser, Loss, RobertJRussell, Weight

Zooomr : BiggestLoser, Danny, Loser, Loss, RobertJRussell, Weight

Flickr : BiggestLoser, Danny, Loser, Loss, RobertJRussell, Weight

Tiger Woods Design

2009-12-01T21:36:00.001-05:00

Technorati : cliffs, north carolina, tiger, woods

Del.icio.us : cliffs, north carolina, tiger, woods

Zooomr : cliffs, north carolina, tiger, woods

Flickr : cliffs, north carolina, tiger, woods

Are you shopping on Black Friday ?

2009-11-26T23:15:00.001-05:00

NOT ME - but I am going to do it all online and make money on my own purchases - you can too - Sign up to Blastoff - it's free !!

Hundreds of Retail stores online that PAY YOU $$$$$$ to shop here!

http://my.blastoffnetwork.com/viralvideo/223487891

http://www.robertjrussell.com

Robert J Russell, IRES, REALTOR, Broker

Technorati : Christmas, Money, Online, Shopping

Del.icio.us : Christmas, Money, Online, Shopping

Zooomr : Christmas, Money, Online, Shopping

Flickr : Christmas, Money, Online, Shopping

Extended Tax Credit for HomeBuyers and Homeowners

2009-11-23T20:29:00.001-05:00

The popular first-time homebuyer tax credit that was scheduled to end this month is being extended. President Obama signed a bill that extends the up to $8,000 tax credit for first-time homebuyers for seven months. An additional incentive for the housing industry is for homeowners. The $6,500 tax credit will benefit some existing homeowners who are also buyers and whose primary residence has been owned, used, sold, or being sold within at least five consecutive years of the previous eight years. The legislation is part of a bill that also extends unemployment benefits.

Bruce Walker, Director of Marketing, RealEstate.com Reportedly, the credit would be available for people earning up to $125,000 a year and couples making up to $225,000 per year. This is an increase from the current income limits of $75,000 and $150,000, respectively. The extension of the first-time homebuyer credit lasts through June of next year. Buyers must sign a contract by the end of April 2010.

The incentives come at a good time for the housing industry. "We're getting into a historically slow time of year. You have the holidays and folks just aren't in the market to buy a home. I think now, you're going see a little bit more interest and we may see some upticks through the end of the year that could carry some momentum into the first part of the year which is traditionally the heaviest homebuying season," says Walker.

He believes these incentives will not only cause more homes to sell but will also have an impact on related industries. "I think one of the areas that will get a secondary benefit is going to be the home improvement industry. When someone buys a home they will often put additional work into it to make it their own. They'll paint, put up wallpaper, and hang current rods. They may clean floors -- so that home improvement sector is going to see, I believe, a secondary lift as well," explains Walker. What this means to consumers? "When they see that home prices have dropped, there's going to be fear in the market and people are going to wait to see other people get involved -- get back into the market. So, as consumers are pushed off the fence with these incentives I think we will see a strengthening of the housing market as a direct result and people are going to get re-engaged," says Walker.

But some wonder are the incentives a risk that will cause homeowners to later default? "People have been skeptical of the economy for the last year or longer," says Walker.

Economists with the National Association of Realtors estimate that approximately 2 million people will take advantage of the tax credit this year.

http://www.robertjrussell.com

Technorati : Homebuyer, credit, holiday, tax

Del.icio.us : Homebuyer, credit, holiday, tax

Zooomr : Homebuyer, credit, holiday, tax

Flickr : Homebuyer, credit, holiday, tax

The World's Top Developments by Robert J Russell

2009-11-15T22:55:00.001-05:00

Alinari at Rosemary Place :: Sarasota, FL :: View Details
	An eclectic enclave in the center of the arts, on the edge of the bay, in an unbeatable location, Sarasota is fast becoming one of the most desirable destinations on Florida's Gulf Coast. The appeal of this vibrant city and its intimate neighborhoods is hard to resist. In this artistic setting, nature provides the ultimate brushstroke, giving Alinari residents a private showing of brilliant emerald hues in the sparkling waters of Sarasota Bay and, from the top floors, the Gulf of Mexico.
Altura :: Asheville, North Carolina :: View Details
	With a focus on Wellness and Environmental Sustainability, our 240 acre development is located just seven (7) minutes from Downtown Asheville, NC, offering Grand Estate Homes, Condos, Villas, and Cottages - 85% have views! Amenities such as a proposed spa hotel, 24 hour concierge service, "Pathways to Peace" nature trails, park, garden area, swimming pools, restaurants and retail all add to hip urban living in the Mountains of North Carolina.
Aqua :: Naples, FL :: View Details
	With prices starting in the $2 Millions; Aqua, Naples' most elegant new address, offers a unique and private waterfront lifestyle for refined sensibilities, with amenities that include concierge services, a private yacht harbor with direct access and membership to Naples' most exclusive yacht club.
Ara Macao :: Placencia, Placencia Peninsula :: View Details
	The Ara Macao Resort & Marina, a master planned, residential resort community and marina, is located on the Placencia Peninsula on the southern coast of Belize, a sunny region highly prized for its great weather, turquoise water and beautiful sand beaches. The community is being developed on a 600+ -acre waterfront estate containing approximately one mile of Belize beachfront real estate on the Caribbean Sea. Contact us today to learn more about this rare opportunity.
Barker Block :: Los Angeles, CA :: View Details
	The Barker Block is a new living concept by The Kor Group, the creators behind some of the most contemporary and sought after hotels, destinations and designer residences. And now you can own this signature style in a home that showcases our obsession with design and detail, as well as our ability to create intriguing settings, social areas and gathering spaces. The Barker Block has been crafted to offer inspired homes and a true neighborhood living experience.
Bell Tower Park :: Fort Myers, FL :: View Details
	Bell Tower Park is an Award winning private gated community located in the heart of south Fort Myers. Minutes from fine dining, shopping and other retail shops. A park like setting of stylish carriage and courtyard homes, surrounding lakes and nature preserves. Residents enjoy an array of amenities including a 2 resort pools, tiki bar, 6,000 sf clubhouse, fitness center, social area, tennis courts and sport court, play area and miles of shaded nature trails. Attention to detail, included features, and architecal attention to details make this an outstanding community.
Bleu Claire :: Longboat Key, FL :: View Details
	Nestled along the pristine coastline of Longboat Key is a new level of exclusivity to define beachfront living, the taste of luxury, the reward for a lifetime of accomplishment: Your inspiration. Your dream. Your Bleu Claire. Designed to evoke the feeling of a retreat from the everyday, Bleu Claire on Longboat Key is inspired by the villas of the French Riviera. The community's understated elegance reflects the beauty of its natural surroundings and the enchanting views of the Gulf of Mexico.
Bonita Bay Highrises :: Naples, FL :: View Details
	Three waterfront parks; 12 miles of biking and walking paths; 90 holes of golf; private beach park on the Gulf of Mexico; tennis and swim center; fitness center; marina club with storage for more than 400 boats, fuel and service, a ship's store and restaurant; wine club; Audubon International Cooperative Sanctuary for demonstrated excellence in environmental planning, wildlife-habitat management, resource conservation, waste management, and outreach and education. Four additional high-rises are in development.
Bridlegate Ranch :: Bandera, Texas :: View Details
	Bridlegate is conveniently located near the bustling community of Bandera yet poised amidst the Hill Country's scenic beauty along the gentle Medina River, Bridlegate features nearly 4 miles of Medina River frontage, 2 to 5 Acre homesites with premier riverfront homesites available, tremendous Hill Country views, majestic Live Oaks, quality covenants to protect the integrity of the land, clubhouse with pool, tennis court, fitness center, guest suites, equestrian facilities with riding trails and a private property owners' park on the river for tubing, fishing, and relaxing. Buyers can purchase now and build when ready as well as choose their own custom builder. Bridlegate is being developed by Southerland Communities, a premier developer of Hill Country acreage communities.
Brookfield Homes Hawaii :: Honolulu, HI :: View Details
	Brookfield Homes Hawai'i offers three exclusive resort communities on two of the Hawaiian islands; each of them are adjacent to gorgeous beaches, championship golf courses, tennis clubs, fine dining, and rejuvenating spas. Our communities also offer their own luxurious recreation villages designed for outdoor gatherings, swimming, and fitness. On the Island of Kaua'i we offer you Nihilani at Princeville and PiliMai at Po'ipu, resorts of unparalleled natural beauty. On the Big Island we offer you KaMilo at Mauna Lani, one of the most renowned resorts in the world. These three resort communities define what it means to feel at home in Hawai'i.
Chinquapin :: Cashiers, North Carolina :: View Details
	Nestled contentedly in a rolling expanse of the Cashiers area of the Blue Ridge Mountains, there exists a place where home settings and amenities emerge naturally from the land-as if they always have been. It's a place surrounded by pristine national wilderness, so you know it always will be. It's a place where new beginnings and new discoveries spring naturally from every moment out of the spectacular beauty that is Chinquapin.
Citrus Square :: Sarasota, FL :: View Details
	A new concept on in-town living is coming to a neighborhood set apart by a new pedestrian-friendly, tree-lined streetscape with quaint open square and distinctive lampposts. Great city location on Orange Avenue just three blocks to Main Street. Walk to your favorite downtown Sarasota restaurants, shopping, and cultural arts.
Cliffs Communities :: Asheville,NC and upstate SC, North and South Carolina :: View Details
	Named CNBC's 2007 World's Best International Development, The Cliffs Communities include eight private, residential mountain-lake communities located between Asheville, North Carolina and Greenville, South Carolina, bordered by hundreds of thousands of acres of protected forests, crystal lakes, streams, and waterfalls. Members enjoy eight championship golf courses, spectacular clubhouses, restaurants, wellness centers and spa facilities. Plus, access to The Cliffs international vacation properties in British Columbia, Chile and the Bahamas.
Copper Ridge :: New Braunfels, Texas :: View Details
	Located just five miles west of New Braunfels on Highway 46 in the New Braunefels school district, Copper Ridge is a distinctive acreage community with homesites available on a ridgeline that offer spectacular long distance views with level building sites as well as homesites with large trees and open meadows. This community of 1+ acre tracts will also be secured with a gated and guarded entrance and will have curbed streets, high quality covenants and a homeowners' park with resort-style pool, pavilion, sports courts and walking trails. Buyers can purchase now and build when ready as well as choose their own custom builder or use one of Copper Ridge's designated showcase builders. Copper Ridge is being developed by Southerland Communities, a premier developer of Hill Country acreage communities.
Cristal Beach Resort :: Cabrera, Dominican Republic :: View Details
	Cristal Beach is a luxury residential condo resort on the North Coast of the Dominican Republic with the utmost attention to natural beauty and detail. We offer 2 and 3 bedroom units with the highest finishes along with all ocean views, direct beach access, resort style pool, jacuzzi and many more amenities for you and your guests.
Firefly Cove At Lake Lure :: Lake Lure, NC :: View Details
	Set within the natural beauty of Lake Lure and the surrounding grandeur of Chimney Rock State Park, Firefly Cove, with its rich historical past, offers its residents an unparalleled waterfront and mountain lifestyle. Residents will enjoy the Village Commons area which includes the Community Lodge with Billiards and Fireplace Gathering Lounge, Heated Swimming Pool and Outdoor Amphitheater. Also, all residents have direct lake access and may enjoy the Boathouse, Canoe and Kayak Area and Lakeside Docks for fishing, swimming or boating.
Florida Lifestyle Homes :: Fort Myers, FL :: View Details
	Florida Lifestyle Homes can provide one-stop shopping for your custom home in the most prestigious areas of Southwest Florida. We have used our financial strength and experience to inventory a substantial portfolio of spectacular home sites in Lee County's luxury home communities of Cape Harbour, Renaissance, Verandah, as well as, Collier County in Quail West, a Ginn Club community. If you are already an owner of a home site or if you have a home site in mind that is not in our inventory, we would be happy to build your dream home where ever you choose. We are proud to have been selected as a preferred builder in the most exclusive waterfront and golfing communities in Southwest Florida.
Hacienda :: Placida, Florida :: View Details
	Located between the tranquility of the sunrise over Charlotte Harbor and the fiery sunset on the Gulf of Mexico is a magical stretch of Florida's Intracoastal Waterway. Here lies Hacienda, the perfect Waterfront community Nestled among the oldest and most unique tropical destinations on Florida's Gulf Coast.
Hampton Lake :: Bluffton, South Carolina :: View Details
	Located in Bluffton, South Carolina, Hampton Lake is true lakefront living located minutes from Hilton Head Island, Beaufort and Savannah. The 165-acre freshwater lake with fifteen miles of shoreline, is surrounded by a 340 acre nature preserve, offering a total of over 500 acres of open space in this community of just over 900 acres. Lakeside Amenity Village was recently honored with the "Best Community in America" Award by The National Association of Homebuilders and Professional Builder Magazine.
Hermosa del Mar :: Playa Hermosa, :: View Details
	Located in Guanacaste, Costa Rica, and only 20 minutes away from Daniel Oduber International Airport in Liberia, Hermosa del Mar is nestled along the sparkling sands of Playa Hermosa with crystal clear waters flowing across the exotic tropical scenery...soothing ocean breezes await you in what will without a doubt become your private refuge.
Hidden Harbor :: Fort Myers, FL :: View Details
	Unprecedented, Unparalleled, Unbelievable...All these words have been used to describe Hidden Harbor. Yet there are no words that fully do justice to the beauty, serenity and uniqueness of this one-of-a-kind residential community, conveniently located midway between Fort Myers and Naples. Come, experience Hidden Harbor's Unspeakable perfection yourself
Jade Condo Hotel Residences & Beach Club :: Manuel Antonio, :: View Details
	From its stunning perch overlooking the best of Manuel Antonio, Jade Resort Residences & Beach Club will become your personal connection to "Paradise on the Pacific". Jade (Wyndham) Condo Hotel Residences and Beach Club features 190 spectacular designer suites and a private beach club that rivals everything else in Costa Rica.
KaMilo at Mauna Lani :: Kohala Coast, HI :: View Details
	KaMilo at Mauna Lani a luxurious resort lifestyle with open spaces, outdoor living, awe-inspiring landscapes, and a true sense of community. Located within the world famous Mauna Lani Resort on the sun drenched Kohala Coast of the Big Island, Brookfield Homes Hawai′i is proud to offer KaMilo, a private, gated enclave containing a mix of single-family and paired homes ranging in size from 2,599 to 3,781 square feet. Our residences are configured with 2-4 bedrooms and up to 4.5 baths and all with 2-car garages.
Laguna at Riviera Dunes :: Palmetto, FL :: View Details
	Laguna at Riviera Dunes, situated directly on the beautiful Manatee River, offers a laid-back escape from downtown condominium living at an extraordinary price. Begin and end your day with breath-taking views of the Manatee River or the magnificent Riviera Dunes Yacht Basin. Enjoy relaxing by the pool and private clubhouse. And while you'll savor the casual Florida lifestyle, a short drive places you in the midst of fine dining, exquisite shopping and exciting cultural activities, making Laguna at Riviera Dunes the perfect seasonal or year round home.
Lely Resort :: Naples, FL :: View Details
	A close-to-everything Naples location, three championship golf courses and a cosmopolitan atmosphere amid lush natural surroundings has made Lely Resort one of the most sought after addresses in Naples. Lely Resort offers 13 spectacular unique neighborhoods.
LifeSmart Homes at Hampton Lake :: Bluffton, South Carolina :: View Details
	Introducing the Cottage Imagination Collection, the first single family homes in the LifeSmart Series, starting at $315,000. These efficiently designed, simpler, more environmentally conscious homes actually live larger while creating financial freedom by reducing living costs. You'll enjoy all the award-winning - newly completed - amenities offered at Hampton Lake, only now at prices nearly half of what you're used to seeing.
Mercato :: Naples, FL :: View Details
	Mercato is a main street community located on 53 acres designed to provide ultra-convenient, pedestrian friendly environment to those who reside there as well as the Naples community. Consisting of 92 units of residential over retail The Strada is reinventing urban living. 300,000 square feet of retail and boutiques space including a 50,000 square foot Whole Foods Market; renowned restaurants including Capital Grille; luxurious multiplex movie theatre and just minutes from the Gulf of Mexico.
Naples \| 701 :: Naples, FL :: View Details
	Naples \| 701 has a distinct tucked-away feeling that hits as soon as you enter the property. Every square foot of space is engineered for optimum use - from closet room to kitchen appliance placement, with sleek fixtures and bright spaces. It's everything you need, and nothing you don't.
Nihilani at Princeville Resort :: Princeville, HI :: View Details
	Find your home on Kaua'i's majestic North Shore, in this rare opportunity to live in highly acclaimed Princeville Resort. Nihilani comprises 100 thoughtfully crafted homes with golf course and Bali Hai views on this magnificent bluff between the mountains and the sea. These award-winning townhomes are beautifully designed in the plantation style to reflect indoor-outdoor living, while featuring current home innovations. Enjoy spacious lanais, two-car garages and a private outdoor recreation center situated within beautifully landscaped gardens.
Oasis :: Fort Myers, FL :: View Details
	At The Related Group we believe that the Oasis experience is made of moments. As your private luxury resort, Oasis is designed to capture those moments. Brilliantly placed on 17 acres of tropical paradise overlooking the Caloosahatchee River and surrounded by intriguing landscapes and breathtaking waterscapes, Oasis offers an unparalleled experience in luxury Gulf Coast Living. Whether taking a dip in your beach-entry swimming pool, boating on the Gulf of Mexico or calling the valet to bring your car for an evening of dining and theatre, each moment at Oasis will be filled with luxury touches and special experiences.
Ocean Springs Place :: Biloxi, Mississippi :: View Details
	Located in the #1 Emerging Market in the United States and eleigeible for GO Zone bonus depreciation benefits. A turn key operation for investors including property managment, forgiveable loans ( up to $73,000 )administered by SRAP through HUD. Our Ocean Springs development is sitting on 260 acres that is owned and designed by a local Ocean Springs developer and resident. The development is built with the end user in mind. Of the 779 total lots available, only 330 will be available to investors. 218 of which are luxury duplexes and 112 are brick single family homes with various floor plans and designs.
Pacifico :: Playas del Coco, Guanacaste :: View Details
	Pacifico. A reflection of all the good life has to offer. A place for the adventurer and the romantic. Well-planned for practical living with an exotic flair. A new place but not unfamiliar. Fresh ideas and possibilities surrounded comfort and quality. Careful consideration of the environment, the natural surroundings, the village neighbors and the sea ensure a harmonious existence will all that makes this place such a special place to live. Pacifico is a place to be discovered. Its amenities to be experienced. Its essence unable to be captured in words or in art. It's not natural. It's supernatural.
Paseo :: Fort Myers, FL :: View Details
	Paseo. The way to say "journey". Our way of saying a wonderful place to live. Stock Development presents an exciting new Ft. Myers community designed with a blend of inspired residences, all a stroll away from the Paseo Village Center. With plenty of places and spaces for family and friends to meet and celebrate life. Priced to move you!
Perrone Construction:: Sarasota, FL :: View Details
	As Sarasota's premier builder of luxury waterfront residences since 1980, Perrone Construction's reputation for unparalleled excellence is widely acknowledged throughout the community. Our dedication to quality and our commitment to our client remain as strong today as ever. Repeat clients and referrals from former clients account for a good deal of our business, and to our company, this is the highest compliment that we could receive.
Pili Mai at Po'ipu:: Koloa, HI :: View Details
	Experience ocean, golf course or mountain views at Po'ipu's newest neighborhood. Nestled amidst the fairways and greens of Kiahuna Golf Club, PiliMai offers the comfort and casual luxury of plantation-style architecture coupled with state-of-the-art amenities and a convenient location. Choose from seven inviting floor plans designed to maximize views and privacy, with a private recreational village to include pools, spa, exercise center and gathering pavilion. Discover the experience of island living on Kaua'i's sunny South Shore.
Roco Ki:: Punta Cana, Dominican Republic :: View Details
	Set along the dramatic headlands and pearl white beaches of the Dominican Republic's fabled eastern shore is a world that offers rich culture, awe-inspiring scenery and a wealth of adventure. This is the place that will redefine luxury living for a new generation. Here is a world where the past is honored; the present is celebrated; the future is boldly envisioned. Welcome to Roco Ki.
Savannah Preserve At University Place:: University Park, FL :: View Details
	Touch remarkable quality, enjoy spectacular design. Come exclaim over upgrade upon upgrade - acres of granite in kitchens and baths, glass block garden showers, lanais with incredible views from these brand new carriage-style condominium homes. Come hear yourself say the unheard of. "Finally. Now this is worth it." Not to mention, "What a terrific University Park location." Situated near Lakewood Ranch and the new University Town Center Mall.
Shadow Lakes:: Wills Point, Texas :: View Details
	Shadow Lakes offers a relaxed country lifestyle just 35 minutes from Dallas. Shadow Lakes' offers choice 1-5 acre homesites on open meadows, in secluded woodlands, or private lakesides. Shadow Lakes was designed to preserve the peaceful, natural setting of the Texas countryside. An unobtrusive infrastructure of underground utilities, a central water supply, and sensible covenants will help preserve the country experience. The community features two stocked lakes, community pool with pavilion, sports fields and walking trails in a private 200 acre property owners' park. Buyers can purchase now and build when ready as well as choose their own custom builder or use one of Shadow Lakes's designated showcase builders. Shadow Lakes is being developed by Southerland Communities, a premier developer of acreage communities.
Summer Cove on Siesta:: Siesta Key, FL :: View Details
	Only Summer Cove on Siesta offers sophisticated, modern, island living on Siesta Key that's move-in ready with a 100% money-back guarantee. While most high-end island communities in the area are selling ideas and pictures, Summer Cove offers buyers the real thing. And by real thing, we mean gorgeous landscapes, luxurious interiors, private elevators, exceptional water views, and the finest in modern, upscale amenities from the low $1 millions.
Sunset Falls at Bald Creek:: Waynesville, North Carolina :: View Details
	A 300 acre gated community ideally located between Asheville and Waynesville, Western North Carolina. Greeters cottage, gated entrance, paved roads, and underground utilities are in place. Elevations from 3,200 feet to 4,300 feet. Long range mountains views, gentle topography. Lots from 1.3 acres to 4.55 acres. Hiking trails are complete, crystal clear steams, and a planned clubhouse with fitness center, swimming pool, outdoor pavilion & BBQ area. The first two homes are under construction at this time, both over 3,000 square feet.
Tarpon Point Marina:: Cape Coral, FL :: View Details
	Tarpon Point Marina is a resort-style community featuring five unique residential villages of single family estate homes, coach homes, and condominium towers. These distinct neighborhoods are sculpted within the community's waterways, preserves and canals, taking full advantage of its spectacular setting at the southern tip of Cape Coral where the waters of the Caloosahatchee River and Glovers Bight empty into San Carlos Bay and the Gulf o f Mexico beyond. The focal point is an existing deep water marina offering direct access to the Gulf of Mexico. Tarpon Point Marina also features The Resort at MarinaVillage Residents Club, a waterfront retail village with a 19 story luxury Residents Club, offering 1/12 fractional ownership and with resort and hotel services featuring waterfront restaurants, shopping, Esterra Spa and Salon. Daily boat shuttle to Fort Myers Beach, boat and Kayak rentals, charter fishing services, ship store and Harbor Master, Captains lounge.
TerraMont:: San Antonio, Texas :: View Details
	TerraMont is a hill country estate acreage community located in the vibrant and growing city of San Antonio. Poised on the ridgeline of the hills near La Cantera, most of TerraMont estates share a view of the spacious interior nature park and distant hills, while others have coveted views of the city skyline - especially dazzling at night. This is truly a unique opportunity to possess Hill Country property located within the city of San Antonio at great pre-development pricing. The community features a gated and guarded entrance, community pool with pavilion, sports courts and walking trails in a private property owners' park. Buyers can purchase now and build when ready as well as choose their own custom builder or use one of TerraMont's designated showcase builders. TerraMont is being developed by Southerland Communities, a premier developer of Hill Country acreage communities.
The Cove at Celo Mountain:: Burnsville, North Carolina :: View Details
	The Cove at Celo Mountain elevates the North Carolina mountain living experience to the peak of quality, beauty and enjoyment. Tucked in the spectacular Blue Ridge Mountains approximately 35 minutes from Asheville, NC this dynamic, engaging, boutique community of luxury home sites, lots, villas and cottages is a property that wholly reflects its exquisite natural landscape. Located near historic Burnsville in the heart of the Blue Ridge Mountains, The Cove at Celo Mountain offers a fully rewarding lifestyle and a grounded sense of community deeply rooted in regional values and traditions. Rediscover an America you thought was long gone; Discover a lifestyle where natural beauty meets simple elegance; Discover The Cove at Celo Mountain. Start making your "memories for a lifetime" today.
The Fairways at Savannah Quarters:: Pooler, GA :: View Details
	Epcon maintenance free , lock and leave community in Westbrook at Savannah Quarters. A private gated community on a Greg Norman signature golf course. Townhome's for active adults, young professionals, single again adults.
The Fitzgerald:: Asheville, NC :: View Details
	The Fitzgerald sits on storied grounds. A hallowed mountain setting that caught the eye of E.W. Grove nearly a century ago. This land became the inspiration and foundation for the legendary Grove Park Inn that still entices and charms visitors today as it has for generations. It is here, on this historic site, that The Fitzgerald living experience offers itself to a limited few fortunate enough to make this dream location their home.
The Ivy Naples Grande:: Naples, FL :: View Details
	For those who want Naples' exclusivity, championship golf and oceanfront elegance, there is The Ivy. Offering more than 3,000 square feet of living, the spacious homes feature the finest interior appointments and grand architectural details. While the private clubhouse provides the residents with the perfect place to meet and socialize with family and friends.
Vivante:: Punta Gorda, FL :: View Details
	Set in the heart of the tranquil coastal town of Punta Gorda, this luxury community features gorgeous condominium residences, a Grand Clubhouse, beautiful walking paths and magnificent views of Charlotte Harbor.
Western North Carolina Homes and Land:: Whittier, North Carolina :: View Details
	All our developments and lots have mountain views and or water views. One of our developments has direct river front lots. All lots have access to the Tuckasseeggee River via a 600' private recreational area. Our lots are the best around at great prices!!

Technorati : Dallas, Developments, Real Estate, RobertJRussell

Del.icio.us : Dallas, Developments, Real Estate, RobertJRussell

Zooomr : Dallas, Developments, Real Estate, RobertJRussell

Flickr : Dallas, Developments, Real Estate, RobertJRussell

8 fat fighting foods

2009-11-15T06:59:00.001-05:00

Combat fat! Your allies in battling bulge? Foods that do the work for you. These edibles have proven lipid-melting powers that help you slim. That's a win.

By Veronica Byrd

Almonds Almond joy! Dieters who ate 3 ounces of these nuts every day reduced their weight and body-mass index by a solid 18 percent compared with an 11 percent drop in the no-nut group, a study in the International Journal of Obesity found. Almonds are high in alpha-linolenic acid, which can speed the metabolism of fats. Stick to 12 per serving.

Berries Vitamin C-loaded fruit such as strawberries and raspberries can help you sizzle up to 30 percent more fat during exercise, suggests research from Arizona State University at Mesa. Blend a vinaigrette of 1 cup berries and ¼ cup balsamic vinegar.

See our tips about Real Estate: http://www.robertjrussell.com

Cinnamon This spice could make your waistline nice. Sprinkling ¼ teaspoon on your food may prevent a postmeal insulin spike-this increase normally occurs after you eat and "signals the body that it should store fat rather than burn it," explains Lauren Slayton, R.D., of New York City. Add a dash to your oatmeal, yogurt or coffee.

Mustard Hello, yellow. The spice that gives mustard its color, turmeric, may slow the growth of fat tissues, a study in the journal Endocrinology notes. Eighty-six mayo in favor of any mustard; sprinkle turmeric on cauliflower and roast for a tangy side.

Oranges Prevent pound creep with this citrus star: It contains fat-torching compounds called flavones. Women who ate the most flavones had a significantly lower increase in body fat over a 14-year period, a study in the American Journal of Clinical Nutrition finds. Snack on slices or drink freshly squeezed OJ (with pulp!) for the biggest payback.

Soybeans These green gems are rich in choline, a compound that blocks fat absorption and breaks down fatty deposits. Add ½ cup edamame to a salad.

Sweet potatoes Trade up to sweet taters. They're high in fiber, which means no drastic insulin jumps and thus less fat packed onto your hips. Bake a small sweet potato-think of two bars of soap as a portion size-and top with a dollop of lowfat or nonfat cottage cheese.

Swiss cheese Holy cow: "Calcium-rich foods reduce fat-producing enzymes and increase fat breakdown," says Michael B. Zemel, Ph.D., director of the Nutrition Institute at the University of Tennessee at Knoxville. Put toe to toe with some of its cheesy counterparts, Swiss is a heavy hitter in the calcium department; layer a slice on a lunchtime sandwich, or stack some on high-fiber crackers.

See our tps about Insurance: http://www.InsurancePricedRight.com

Technorati : diet, exercise, fat, food, healthy

Del.icio.us : diet, exercise, fat, food, healthy

Zooomr : diet, exercise, fat, food, healthy

Flickr : diet, exercise, fat, food, healthy

How to Stay Positive No MATTER WHAT!

2009-11-01T21:55:00.001-05:00

Now more than any other time in our recent history is as important that we find ways to stay positive no matter what. Why? Because your success depends on your mindset, not on the economy or on the marketplace. How do I know this to be a fact? I've interviewed hundreds of top producing sales people all over the USA and Canada, and when I asked them the secret to their success, unquestionably and without a doubt and independent of each other, they all said the same thing, "My mindset."

These are top producing sales people that have been in the business for 10, 20, or even 30 years. They've been through up times, down times, and all kinds of different markets, and they said without a doubt it was their mindset .When times get tough, people start to look outside of themselves for answers and what they really need to do is look inside themselves and ask themselves the question, "How can I stay positive, how can I stay hopeful, how can I stay optimistic?" This article will provide you with some tools to make it easier to be in a positive mindset no matter what.

The first tool is to really stop watching, or listening, or reading the news. Why? Because the news is based on negativity. The news amplifies fear and negativity in order to capture more listeners, more readers, and more viewers. The media is a business like anything else and there's a saying called, "If it bleeds, it reads." So the more scared they can make people, the more people will buy more newspapers to find out what's going to happen, or turn on the TV more, or in some way stay fixated because they're in fear, they stay fixated on what the media is telling them.

The second tool is stop being around negative people. Your colleagues are going to want to constantly come up and talk to you and tell you how bad it is. Maybe your clients or prospective clients are going say to you on the phone how bad it is, and even friends will do the same thing. You will go through a day and everybody will want to tell you how negative it is. Here are my suggestions. First, avoid those kinds of people that are negative and second, if you're stuck with them in an elevator or your car, I suggest you do what a former client of mine does. When the other person is talking negatively, my client just tunes them out and just says, "Well that may be true for you, but that's not true for me." It's like an inner mantra "It may be true for you, but it's not true for me." You're creating your own inner environment.

The third tool is a technique that I've used with my clients this past 12 years as a successful business coach. It's a very powerful tool called The Stop Technique, and there's 3 steps to it. The first step is just called Stop. The way it works is that if you start to notice your mind going in a negative direction such as, "Oh I can't succeed in today's economy. Oh I just don't have what it takes to be successful or to make money. I have to work really hard and struggle and sacrifice." Any of those negative thoughts that will bring your energy down, your job is simply to catch those as early as you can in the beginning and say, "Stop." Take a deep breath, and then put in a positive new thought.

You can put in your choice of however many positive new thoughts you have ready in your aresenal. If some of your negative statements are about yourself like, "I'm not good enough, or I'm not smart enough, or I'm not experienced enough," or whatever those kind of disproving thoughts, I would say a really good generic thought to put in, an empowered belief to put in is, "I love and approve of myself unconditionally." That takes care of those self judgmental statements. Another kind of self limiting belief is something that you continually tell yourself, "Oh well, to succeed I'm going to have to really struggle, and sacrifice, and stress out, and work hard, and then I won't have a life." If that's been your primary belief then you put a stop on that when you hear it coming, and in inside you're saying to yourself, "I'm not going there. I'm not going there." You take a deep breath and positive new thought could be, "I'm committed to working smarter, not harder."

One of the things that's great about this technique is that it really forces you to become aware of what you're thinking from moment to moment, and it's what you're thinking from moment to moment that will create a negative or positive mindset. If you're continually thinking negative thoughts either about yourself, or the market, or about money, or any of that, then guess what, you're going real fast into a negative mindset. Then what happens is what you believe tends to come true, and it becomes a self fulfilling prophesy. For example if you tell yourself, "I don't have what it takes to succeed in today's market," and you tell yourself that over, and over, and over again, your thoughts will create your reality and then you'll find that you don't have what it takes.

Henry Ford said, "Whether you believe you can or you can't, either way you're right,". The way to create a positive mindset is to continue to bring your thoughts back to, "I can do it,". You need to have unwavering faith in your ability to be successful. The way you do that is to retrain your mind. The stop technique is the most powerful technique for retraining your mind, but you may have to use it a few hundred times a day at the beginning. Your mind has been going down that negative track in a very undisciplined way for a long time and like wild horses that have been all over the place, you now have to reign them in and that is going to require a lot of vigilance at the beginning.

Technorati : mortivation, positive, robertjrussell

Del.icio.us : mortivation, positive, robertjrussell

Zooomr : mortivation, positive, robertjrussell

Flickr : mortivation, positive, robertjrussell

Selling on eBay

2009-10-26T21:05:00.001-05:00

It is a simple fact that if you sell on eBay and receive only minimal views on your listings then the lower the bidding or amount of sales will be. It does not matter how detailed and professional your listings look, viewings are the key. And the key to increasing the number of viewings is research!

In order to research, you must first take a look at what other sellers, especially Powersellers of the same items, are doing. What keywords do they use? Which categories are they listing in? Do their listings trigger an emotional need so that the reader simply has to buy now? How many photographs do they have and what quality are these? Take a good hard look at how they sell on eBay to get ideas for your own listings.

When a potential buyer reads your listings, they are looking for good value. So, you must add value to your products. Adding value does not always mean giving something extra free or doing something to the actual product! You just need to achieve a perceived added value which will catch the reader's attention when they look at your description. So added value could be something as simple as offering a no quibble 30 day money back guarantee. If your competitors who sell on eBay are not offering this then you have added value to your product. The same goes for your listing description - photographs add value, as do the benefits of the product.

Make sure that you write your description well and always include photographs - people like to see exactly what they are buying! It is important to remember when you to write your description in a friendly, informative manner, as though you are talking personally to the reader as this will encourage them to continue reading and arouse their interest.

If your product has lots of features and especially benefits, then make sure you include them in your listing. Do not drone on and on, but be clear and concise and tell the potential buyer exactly why they must buy your item right now.

To sell on eBay effectively, you need to invest some time into creating that added value as ultimately your listings will attract more views and sales. Bearing this in mind, there is nothing more off putting to a potential buyer than seeing a confusing listing before them! Not everyone is a technical whiz so where possible use simple layman's terms in your description. Show all your Payment, Shipping and Dispatch Times so that they can be easily seen and understood so that buyers can work out total costs and approximate delivery dates at a glance.

If people feel at ease with your auction listing, then they are much more likely to bid or buy. So it is important when you sell on eBay that you are completely honest. If there happens to be a fault with a product, tell buyers what it is as this will show that you are not trying to mislead anyone. Really, the simple rule is to think about what you would like to know about the item if you were buying it, and then add all these thoughts to your description. Don't miss bits out because if all the information is there in front of the potential bidder or buyer then they are more likely to bid or buy right now.

As your views and sales grow, you must encourage your bidders and buyers to look at your other listings because a big part of your eBay sales strategy is to get bidders to purchase more items from you. So, if you are selling a supplementary or complimentary item let your buyers know and highlight the fact that you offer combined postage if they purchase both items!

When you sell on eBay, your listings should be regarded as an opportunity to establish relationships with buyers. You then need to look after these buyers so that they come back to you time and again. Never think in one-off transactions, even if they do end up as a one-off, because your ebay income depends on customers to guarantee you success!

http://www.robertjrussell.com

Technorati : bidding, ebay, listing, robertjrussell

Del.icio.us : bidding, ebay, listing, robertjrussell

Zooomr : bidding, ebay, listing, robertjrussell

Flickr : bidding, ebay, listing, robertjrussell

Turn Small Savings Into a Big Nest Egg

2009-10-06T08:54:00.000-04:00

According to the U.S. Bureau of Economic Analysis, the personal savings rate of Americans has ranged between -1% and approximately 4% between the years 2005 and 2009. Americans' nonchalance was reflected in the negative savings rate of fiscal 2005, which occurred as people reduced their savings and delved further into debt in order to purchase goods and services. Although the savings rate had rebounded to 6% by May of 2009, as global financial crisis forced many consumers to adopt more cautious spending habits. Despite the about-face in consumer spending habits, in many cases, the attempt at saving proved too little, too late. Read on to find out why you need to save no matter what the economic climate.

Why You Need to Save

More from robertjrussell.com:

• Texas Foreclosures

• Insurance Online

• Search the MLS!

While individuals should avoid excess (and high interest) leverage/debt and prudently manage cash flow, there is also a longer-term need to ensure one has adequate funding set aside for a comfortable retirement. Given historical trends in the U.S. stock market and overall economic performance, people can be lulled into becoming overly optimistic about how much they need to save and their projected life expectancy. The only trends that are relevant for the individual, however, are those that occur over the course of one's lifetime.

Many companies are transitioning jobs (such as back office functions, IT, research and even higher margin services such as consulting and financial services) to other regions of the world, including Eastern Europe, India and China. The economic dynamics and implications of such movement are not comparable to the business settings of the past 50 years. Additionally, medical breakthroughs and other health-related variables have increased people's life expectancy. Certainly, it is better to have a conservative outlook in order to help ensure one has adequate retirement funds.

Financial Scenarios

Saving money and diverting cash away from unnecessary frills and wasteful spending into investment payments such as the stock market translate to huge differences in the size of one's retirement savings over the course of a lifetime. When you purchase a bicycle or go out for a lavish dinner, you are not simply incurring a cost of that bike or dinner (say $100). The amount of the receipt is actually misleading. When you incorporate the basic laws of finance, the opportunity cost of that $100 is much more.

If you eliminate $100 of wasteful spending per month and instead channel that cash to an investment vehicle that yields an annual interest rate of 10%, that translates to more than $75,000 over 20 years, and more than $500,000 over the course of 40 years. Granted, the buying power of figure is chewed up by inflation, but the prudent person still reaps the benefits of not wasting cash on unnecessary things.

Starting principal balance: $0

Monthly investment payments: $100

Interest rate: 10%

Future value: 20 years = $75,936

Future value: 40 years = $632,408

Starting principal balance: $0

Monthly investment payments: $250

Interest rate: 10%

Future value: 20 years = $189,842

Future value: 40 years = $1,581,019

If someone were motivated enough to find $500 a month and put it away in the form of investment payments, the results lead to an exponential increase in comfort during one's retirement. With an annual rate of return of 10% over 40 years, the figure approaches $3 million for your nest egg.

Starting principal balance: $0

Monthly investment payments: $500

Interest rate: 10%

Future value: 20 years = $379,684

Future value: 40 years = $3,162,039

How much more would your nest egg be if you work for a company that matches your 401(k) dollar for dollar up to a certain amount? Given that the federal government's social safety net programs such as Social Security and Medicare are expected to hit fiscal challenges as the baby boomers retire, such anticipated uncertainties encourage individuals to take their retirement circumstances into their own hands. Secondly, the high cost of healthcare in the United States is a primary driver for individuals and couples filing for personal bankruptcy. The power of compound interest can help one to avoid financial straits in the future.

From Wasteful Expenses to Monthly Investment

To redirect cash that might otherwise be spent on junk or unnecessary spending, explore savings opportunities that can increase your monthly contributions to your retirement accounts. These might include:

Fewer restaurant lunches and dinners can easily save the typical professional between $100 and $200 per month. Using our numbers above, $100 invested monthly in retirement accounts that earn 10% annually becomes $75,000 in 20 years.

Purchase discipline at groceries and malls. At the end of your life, it is not the accumulation of objects that provides meaning. A lifetime habit of impulse buying has a tremendous opportunity cost when you realize the power of compound interest. Most people can save between a hundred dollars to several hundred dollars a month with greater spending discipline.

The Bottom Line

If you work for a company that matches your retirement savings contributions, absolutely take advantage of it. It is basically free money. Additionally, the increase in monthly contributions translates into an exponentially larger nest egg over the course of a lifetime.

by Marv Dumon

Monday, October 5, 2009

Visit http://www.robertjrussell.com For Real Estate & Insurance needs

Technorati : egg, nest, retirement, robertjrussell, savings

Del.icio.us : egg, nest, retirement, robertjrussell, savings

Zooomr : egg, nest, retirement, robertjrussell, savings

Flickr : egg, nest, retirement, robertjrussell, savings

Home Value by Square Foot

2009-10-03T22:03:00.001-04:00

One of the biggest determining factors in determining comparable value is square footage.

When comparing the square footage of homes always try to keep comps as similar in square footage as possible. Figuring out the price of a home on a square footage basis is an excellent way to compare apples with apples. It becomes more complicated when one home has been renovated and another needs work. Don't compare a newly built home's price per square foot with an older home's price per square foot.

There's Square Footage and There's Square Footage

A square foot is defined as a two-dimensional square measuring one foot on each side. If you are looking at a home that seems a little smaller than the stated square footage, it might not be your eyes. Real estate brokers tend to measure square footage by inside room dimensions. Developers like to measure the exterior of the building. This can add considerable square footage to the home.

You also need to find out exactly what has been factored into the equation. Does the total measurement include basement space? Garage space? Deck space? Space on staircases? There's no standard way to measure square footage. Sellers will include every nook and cranny and buyers won't.

Do not solely compare the size of the land the property sits on and the price of the property. Lots sell for different prices than homes and the cost varies greatly from neighborhood to neighborhood. For example, if the house is in terrible shape, or is considered a "tear-down," a developer may only want to pay for the price of the lot, since tearing down and hauling away the existing structure is an added expense.

Side-by-Side Comparison

In some areas of the country, agents do not want to be liable for representing a total square footage of the property. Total square footage is not indicated on the listing sheet, but room dimensions are shown. The room count may not include bathrooms, hallways, closets, and other spaces. You might have to compare every room side by side and guesstimate total size.

In this instance, estimate the total square footage by multiplying the dimensions of each room. For example, if the bedroom is 10 feet by 12 feet, then the area, or square footage, is 120 square feet. Add up all of the room dimensions for a total square foot measurement. You may still have to estimate hallways and other spaces, but it gives you a good estimate.

After determining the size of the home you desire, the equation is simple. Just divide the listing price by the number of square feet and you will get the price per square foot. For example, a 1,000-square-foot condo priced at $300,000 costs $300 per square foot.

http://www.robertjrussell.com

It's always to your advantage to buy a home with a reasonable cost per square foot. A home with a square footage cost lower than other homes in the neighborhood might be a great deal. On the other hand, the home may have a lot of other things wrong with it that need renovation, and unless you had remodeling in the budget, it might not be worth it to you.

Technorati : home value, real estate, robertjrussell

Del.icio.us : home value, real estate, robertjrussell

Zooomr : home value, real estate, robertjrussell

Flickr : home value, real estate, robertjrussell

Do you want income or wealth ?

2009-09-23T09:45:00.000-04:00

Income Creation Vs. Wealth Creation

Whatever their reasons, the simple fact is that people in the job track will never create true wealth because they are copycatting an income creation system, which is based on linear growth, as opposed to a wealth creation system, which is based on leveraged growth.

People copycatting the income creation system are locked into a time-for-money trap. They trade a unit of their time for a unit of dollars. With income creation, 10 hours of work, equals 10 hours of pay. Unfortunately, most of the time, income creation is an endless treadmill. If you don't do the work, you don't get paid. If the treadmill stops, the income stops. People following the income creation system become slaves to temporary income, and they are accidents waiting to happen. If they fall victim to illness, or injury, or long layoffs, or burnout, they are income-less.

Those brave souls who have broken away from the ranks, who have realized that there are other systems out there to copycat -- wealth creating systems -- are choosing to copycat a system that allows them to leverage their time. They don't fall victim to the time-for-money trap because they do not trade time for dollars. For them, 10 hours of work means 100 hours of pay... or even 1,000 hours of pay. Moreover, their efforts create residual income. Unlike temporary income, residual income keeps earning money whether they show up to work or not!

Want to find out more? Click the link > http://10035.powerbarclub.com

Technorati : eincome, money, residual, wealth

Del.icio.us : eincome, money, residual, wealth

Zooomr : eincome, money, residual, wealth

Flickr : eincome, money, residual, wealth

Coaching for Profit

2009-09-13T21:51:00.001-04:00

No matter whether you are an individual or a large corporate body, you will always strive to make profit by boosting your sales. No business can do without profit as profit proves to be the most important motivational factor for any individual and business. Today we discuss more on coaching for profit. In fact to put it bluntly, if the company does not make a profit, then everyone is out of a job.

Coaching for profit refers to methods and techniques imparted by a coach to people as to how they can earn rich rewards for the efforts that they have put into the business. Coaching is necessary to understand how to maximize the use of various resources in an organization to optimize output. Coaching covers every aspect of the organization from production to the marketing of the products and to their sales. Business requires employing the right kind of marketing mix whereby the best combination of factors like product, price, place and promotion are can all be derived. Every employee of the organization should be made aware of his exact authority and responsibility. You would actually be amazed at how often this does not happen.

Personality development also becomes a very important component of coaching for profit. This is because it is the way that you market yourself and the goods and services that will make a world of difference. You have to make the people believe in the product and service your organization provides. It becomes very necessary to motivate your sub ordinates, executives and even HR managers. We should remember that it is the collective effort of all these people that will lead to sales and hence generating extra profits.

Remember there is no I in T E A M.

Coaching for profit stresses on the confidence that you will be able to exude in front of your audience. Also coaching in the beginning of your career will go a long way in helping you choose a profession or business that you will enjoy doing and also get excellent returns. Coaching helps you to find the right combination of the nature of the business or profession that you enjoy doing while making a handsome profit from it.

Coaching helps you to be innovative in business. It helps you to improvise on the existing systems or come out with whole new systems. Coaching helps you to gain the early bird advantage as it teaches you methods and techniques to implement and action your innovative ideas. In case you are the team member or owner of the organization you have to develop leadership skills as well. This is because it is only through proper leadership that sub ordinates under you will be able to deliver and the organization will be able to earn good revenues.

However not all the profit that the organization makes has to be taken home. A considerable amount of revenue has to be invested back in business to not only cover up the running costs and expenses but also to come out with new innovations and better technology to make quality products. The world today is very much service oriented and the best example of the service oriented organizations would be information technology and the travel industry which are some of the fastest growing industries.

Hence coaching for the service industry in relation to earning profits is very much different from coaching in the manufacturing industry. Though the techniques are different in both the types of industries, the goal is the same at the end of the day and that is making profits.

For more information - visit: http://www.robertjrussell.com

Technorati : business, coaching, motivation, personality

Del.icio.us : business, coaching, motivation, personality

Zooomr : business, coaching, motivation, personality

Flickr : business, coaching, motivation, personality

The Best & Coolest Real Estate Sites I have ever seen!

2009-09-10T22:24:00.001-04:00

I am amazed at how advanced websites have become that are designed to help you find just about anything! Here are some of my favorite sites! Enjoy!

http://www.hoodeo.com

"As The Neighborhood Matchmaker, hoodeo learns about you - your hoodeo profile - then matches you to your top 10 'best places to live' by zip code. You are matched based on lifestyle, property type, and the price you are looking for." Hoodeo.com

http://www.homescape.com

"Homescape provides local, comprehensive property listings and rich content to home buyers and sellers nationwide, while delivering a suite of advertising solutions that offer choice and results that enable real estate professionals to grow their business." Homescape.com

http://www.beatyouthere.com

"We are a real estate search engine that provides you with the most accurate listings and information possible so that you can make an educated decision based on your search." BeatYourThere.com

http;//www.insurancepricedright.com

"As Texas Realtors are always looking for health benefits, this website provides health insurance quotes in a easy and understandable format where consumers can purchase health, dental, vision and Rx plans."

http://www.propbot.com

"PropBot.com's goal is to provide FREE unlimited property listings to REALTORS, brokers, property managers, for sale by owners (FSBO's), and the average landlord; while advancing property search and listing technology." Propbot.com

Follow me on Twitter - CLICK HERE

Robert J Russell, REALTOR, International Real Estate Specialist, Insurance Broker

Real Estate Website - http://www.robertjrussell.com

Insurance Website - http://www.InsurancePricedRight.com

Apartment Locator - http://www.FreeDFWApartments.com

Technorati : insurance, real estate, robertjrussell

Del.icio.us : insurance, real estate, robertjrussell

Zooomr : insurance, real estate, robertjrussell

Flickr : insurance, real estate, robertjrussell

Seniors Increasingly Realizing Nest Egg in Life Insurance Policies

2009-09-07T06:32:00.001-04:00

RISMEDIA, September 2, 2009-(MCT)-Seniors battered by the tough economy are selling their life insurance policies to replenish their retirement nest eggs.

Unlike younger investors, older adults may not have the time to wait for the market to recover all of their losses, so they're turning to this previously overlooked asset to see whether they should sell it and use the money to pay medical bills or other expenses.

Seniors sold life insurance policies with a face value of $11.8 billion last year, almost double the value of policies sold just two years earlier, according to the U.S. Senate's special committee on aging, which recently held a hearing on such transactions. A "life settlement," as a sale is called, may be an attractive option for seniors who determine they no longer need their life insurance policy, said Doug Head, executive director of the Life Insurance Settlement Association, an industry group.

Policyholders typically sell their insurance through life settlement brokers to investment companies for lump sums that are usually several times greater than they would receive if they surrendered the policies to the insurance companies, he said. The new owners pay the remaining premiums on the policies and become the beneficiaries when the original policyholders die.

But a life settlement doesn't always make sense, insurance experts caution, and seniors considering such a sale should consult with an independent financial adviser to figure out whether it's the best move for their particular circumstances.

"If you're thinking about selling your life insurance mostly because you're strapped for cash, there may be other ways to tap the value of your policy without losing your coverage," said Houston lawyer and insurance expert David McDowell. "You may be able to take out a loan against your policy or receive a partial payout through an accelerated death benefit," he said. "It's worth visiting with your life insurance agent and exploring the options before sacrificing your coverage."

Life settlements are also ripe for questionable business practices, so prospective sellers need to work with licensed brokers screened or monitored by state regulators, said Susan Voss of the National Association of Insurance Commissioners.

Started in AIDS Crisis

The life settlement business grew out of the AIDS crisis of the 1980s. In what were called viatical settlements, people living with AIDS sold their unwanted life insurance policies for cash they often used to cover medications or treatments.

As medical breakthroughs extended the lives of many people with AIDS, the industry shifted its focus from the terminally ill and toward seniors in their mid-60s or older, said Scott Gibson of Lewis and Ellis, an actuarial consulting firm in Richardson.

"The best candidates for a life settlement are now people in their 70s or older who have a life insurance policy valued at $500,000 or more that they no longer need, perhaps because their spouses have passed away," Gibson said. The industry hit a bump earlier this year as capital dried up. But now that investors are returning to the market, buyers' offers for policies have improved, said Russel Dorsett, co-managing director of the Select Life Settlement Corp. in Houston.

Though the amount that seniors receive for their life insurance will vary depending on their age, gender and overall state of health, the average payout today is slightly less than 20% of the policy's death benefit, he said. "That's still three or four times more than they'd get if they simply surrendered their policies to the insurer," Dorsett said.

Bill Clark, managing director of the Clark Financial Group in Frisco, said he sees a number of circumstances in which older policyholders may want to consider a life settlement as part of their retirement and estate planning. "A policy may not be needed anymore," he said. "The beneficiaries may have become financially independent and aren't counting on the policy's proceeds, or the policyholder determines the estate no longer needs life insurance to pay death taxes."

Complex Transaction

As more people become aware of life settlements through financial planners, Clark said, more policyholders will at least check out the price they could get for an asset they once regarded as virtually untouchable until death.

Still, selling a life insurance policy is often a complex transaction involving time and paperwork, so consumers should turn to financial advisers who know the risks, said Ana Smith-Daley, a deputy insurance commissioner for Texas. "An independent adviser can help you decide whether selling your policy is in your best interest," she said. "If it is, the adviser will probably call on a broker to shop around your policy to determine what kind of price it will fetch."

Seniors also need to understand that their medical records will be examined as part of the sales and that the buyers of their policies will occasionally check on them to determine when to collect the death benefits, she said.

Smith-Daley said sellers may also pay taxes on the proceeds from a life settlement and lose their eligibility for Medicaid or other government benefits, so anyone contemplating a sale should consult a tax adviser or lawyer. But even with those considerations, industry officials expect life settlements to exceed $100 billion over the next couple of decades as boomers convert unwanted or unneeded life insurance to cash to bolster their lagging savings.

"Under the right circumstances, it's a viable and valuable option that will only become more popular," Gibson said.

What to consider before you sell your life insurance:

PROS:

-You have no other assets and need the money.

-Your beneficiaries don't need the death benefit.

-You can't afford your premiums anymore.

-Your payout will be higher than your policy's cash surrender value.

CONS:

-You may be unable to buy life insurance again.

-Your beneficiaries won't receive the death benefit.

-You won't get a fair price for your policy.

-Your payout may be less than 20% of the death benefit.

(c) 2009, The Dallas Morning News. By: Bob Moos

Read more: http://www.robertjrussell.com

Technorati : Insurance, InsurancePricedRight, Life Insurance, Nestegg, Seniors

Del.icio.us : Insurance, InsurancePricedRight, Life Insurance, Nestegg, Seniors

Zooomr : Insurance, InsurancePricedRight, Life Insurance, Nestegg, Seniors

Flickr : Insurance, InsurancePricedRight, Life Insurance, Nestegg, Seniors

Are you on Twitter ?

2009-09-03T08:59:00.000-04:00

Fact: As of Sept. 3, 2009 - we have the Largest Follower group in the Dallas - Fort Worth Area.

Come be a part of this and follow us http://twitter.com/robertjrussell

Technorati : Facebook, Follower, Twitter, followers, robertjrussell

Del.icio.us : Facebook, Follower, Twitter, followers, robertjrussell

Zooomr : Facebook, Follower, Twitter, followers, robertjrussell

Flickr : Facebook, Follower, Twitter, followers, robertjrussell

Free Advertising Worldwide Group

2009-08-21T22:37:00.001-04:00

This group was created for any members who are interested in receiving free advertising for their business.

We welcome and encourage you to advertise on the Wall any website that you can. We will not allow any sites that are not suitable for children to see - if you post something that is offensive you will be banned from this group.

Post any websites in the LINKS section!

Thanks for your time and hopefully you find my methods as useful as I have.

Share this group with everyone:

http://groups.to/freeadvertisingworldwidegroup

Group Owner - Robert J Russell - http://www.robertjrussell.com 972-679-9029

Technorati : advertising, facebook, real estate, worldwide

Del.icio.us : advertising, facebook, real estate, worldwide

Zooomr : advertising, facebook, real estate, worldwide

Flickr : advertising, facebook, real estate, worldwide

Facebook, Twitter, Robert J Russell Social Networking

2009-08-13T11:35:00.001-04:00

I wanted to share just a little Trivia for you.

FACTS on FACEBOOK:

More than 250 million active users

More than 120 million users log on to Facebook at least once each day

More than two-thirds of Facebook users are outside of college

The fastest growing demographic is those 35 years old and older

Social Media could replace email one day

Facts on Twitter:

Twitter has approx 2 million users right now

Twitter will allow you to post TWEETS via your telephone - simply call a number, and your message is converted to Text and posted on your Twitter page.

So - why not start your own Social Media ? Crazy ? I don't think so....

Here is what mine looks like - Sign up and see what you can do!

http://robertjrussellsocialnetwork.ning.com

Technorati : Facebook, FriendFeed, Network, Twitter

Del.icio.us : Facebook, FriendFeed, Network, Twitter

Zooomr : Facebook, FriendFeed, Network, Twitter

Flickr : Facebook, FriendFeed, Network, Twitter

REDNECK TREE SWING

2009-06-19T22:07:00.001-04:00

Funny Photo of the Day

AND, It's a two seater. WHAT A DEAL !!! : )

Looking for a GREAT DEAL ? Visit http://www.robertjrussell.com

Technorati : dallas real estate, flower mound homes, lawn furniture, realtor.com

Del.icio.us : dallas real estate, flower mound homes, lawn furniture, realtor.com

Zooomr : dallas real estate, flower mound homes, lawn furniture, realtor.com

Flickr : dallas real estate, flower mound homes, lawn furniture, realtor.com

Thangs I larned wile livin in Lusiana

2009-04-08T22:46:00.001-04:00

THANGS I LARNED WILE LIVIN IN LUSIANA

1. Possums sleep in the middle of the road with their feet in the air

2. There are 5,000 types of snakes and 4,998 live in LOUISIANA .

3. There are 10,000 types of spiders. All 10,000 live in LOUISIANA plus a couple no one's seen before.

4. If it grows, it sticks; if it crawls, it bites.

5. Onced and twiced are words.

6. It is not a shopping cart; it is a buggy.

7. Fire ants consider your flesh as a picnic

8. People actually grow and eat okra.

9. Fix & into is one word: FIXINTO

10. There is no such thing as 'lunch'. There is only dinner and then there is supper.

11. Ice tea is appropriate for all meals and you start drinking it when you're two. We do like a little tea with our sugar!

12. Backards and forwards means 'I know everything about you.'

13. Jeet? Is actually a phrase meaning 'Did you eat?'

14. You don't have to wear a watch because it doesn't matter what time it is. You work until you're done or it's too dark to see.

15. You don't PUSH buttons, you MASH them.

YOU KNOW YOUR FROM LOUISIANA IF:

1. You measure distance in minutes.

2. You've ever had to switch from 'heat' to 'A/C' in the same day.

3. You use 'fix' as a verb. Example: 'I'm fixing to go to the store '

4. All the festivals across the state are named after a fruit, vegetable, grain, insect or animal.

5. You install security lights on your house and garage and leave both unlocked.

6. You know what a 'DAWG' is.

7. You carry jumper cables in your car...for your OWN car.

8. You only own five spices: Tony's (Chachere), salt, pepper, Tabasco and ketchup.

9. The local papers cover national and international news on one page but require 6 pages for local gossip and sports.

10. You think that the first day of deer season is a national holiday.

11. You find 100 degrees Fahrenheit 'a little warm'.

12. You know all four seasons: Deer Season, Duck Season, Crawfish Season, Summer.

13. You know whether another LOUISIANIAN is from, north or south, as soon as they start talking (speaking).

14. Going to Wal-mart is a favorite past time known as 'goin Wal-martin' or 'off to Wally World'?

15. You describe the first cool snap (below 70 degrees) as good gumbo weather.? YEP!

16. A carbonated soft drink isn't a soda, cola or pop...it's a Coke, regardless of brand or flavor.

Example: 'What kinda coke you want?'

17. Fried catfish is the other white meat.

18. We don't need no stinking driver's Ed.....if our mama says we can drive, we can drive.

19. You understand these jokes and forward them to your friends from LOUISIANA (and those who just wish they were). Not EVERYONE can be a LOUISIANIAN, it's an art form and a gift from God

Technorati : Governor of Louisiana, Monroe, Monroe Louisiana, Robert J Russell, St. Frederick High School

Del.icio.us : Governor of Louisiana, Monroe, Monroe Louisiana, Robert J Russell, St. Frederick High School

Zooomr : Governor of Louisiana, Monroe, Monroe Louisiana, Robert J Russell, St. Frederick High School

Flickr : Governor of Louisiana, Monroe, Monroe Louisiana, Robert J Russell, St. Frederick High School

Affordable Health Insurance !

2009-03-09T10:24:00.001-04:00

Are you looking for Affordable Health Insurance ?

Click here:

Technorati : Cosmetologist, Hair Stylist, Realtors, Self-Employed

Del.icio.us : Cosmetologist, Hair Stylist, Realtors, Self-Employed

Zooomr : Cosmetologist, Hair Stylist, Realtors, Self-Employed

Flickr : Cosmetologist, Hair Stylist, Realtors, Self-Employed

Attn: REALTORS - Do you need more business in a Slow Real Estate Economy ?

2009-03-01T22:01:00.001-05:00

FREE WEBINAR - 11am - GET 20 NEW LISTINGS PER MONTH !

Are you interested in having an additional 20 New Listings by the end of the month?

* Would you like to sell Real Estate in other States or other countries ?

* Would you like to have Developers CALL YOU to list their properties ?

* Are you a visionary thinker, an out of the box thinker or a stick in the mud ?

* Are you the kind of person who keeps doing the same thing over and over and expects different results ?

If so, attend one or all of these Webinar Times on:

Tuesday March 3 - 11am CST

Wednesday March 4 - 11am CST

Thursday March 5 - 11 AM CST

- This will be the best 45 Minutes you have ever spent

reply to: wediditagaingroup@yahoo.com for password !

Technorati : International Real Estate, Real Estate, Webinar, Worldwide Properties

Del.icio.us : International Real Estate, Real Estate, Webinar, Worldwide Properties

Zooomr : International Real Estate, Real Estate, Webinar, Worldwide Properties

Flickr : International Real Estate, Real Estate, Webinar, Worldwide Properties

Giving Gifts and Lowering Taxes

2009-02-26T07:52:00.001-05:00

If you give gifts in the course of your business, you can deduct all

or part of the cost, but you cannot deduct more than $25 for each

business gift that you gave away during the tax year.

A gift that is intended for the eventual personal use or benefit of a

particular person or class of people will be considered a gift to that

person or class of people. If you give a gift to a member of a

customer's family, the gift is generally considered to be an indirect

gift to the customer. This rule does not apply if you have an

independent business connection with that family member and the gift

is not intended for the customer's eventual use.

Incidental costs, like gift wrapping, packaging, insuring, and

mailing, are generally not included in determining the cost of the

gift. You cannot deduct gift items that cost less than $4 if they have

your name clearly and permanently imprinted on the gift, or if the

gift is one of many identical items that you widely distribute, like

pens and cases. Signs, display racks, and other promotional materials

also cannot be deducted as gifts.

Always consult with your tax planner or CPA before moving forward because I am not certified to do taxes.

Visit: http://www.robertjrussell.com

Technorati : Gifts, IRS, Robert J Russell, Robert Russell, Self-Employed, Write-offs

Del.icio.us : Gifts, IRS, Robert J Russell, Robert Russell, Self-Employed, Write-offs

Zooomr : Gifts, IRS, Robert J Russell, Robert Russell, Self-Employed, Write-offs

Flickr : Gifts, IRS, Robert J Russell, Robert Russell, Self-Employed, Write-offs

Jobless rate jumps to 7.6%, 598,000 Jobs Lost

2009-02-06T09:54:00.000-05:00

Jobless rate jumps to 7.6 percent, 598K jobs lost

By JEANNINE AVERSA, AP Economics Writer Jeannine Aversa, Ap Economics Writer 9 mins ago

WASHINGTON - Recession-battered employers eliminated 598,000 jobs in January, the most since the end of 1974, and catapulted the unemployment rate to 7.6 percent. The grim figures were further proof that the nation's job climate is deteriorating at an alarming clip with no end in sight.

The Labor Department's report, released Friday, showed the terrible toll the drawn-out recession is having on workers and companies. It also puts even more pressure on Congress and President Barack Obama's administration to revive the economy through a stimulus package and a revamped financial bailout plan, both of which are nearing completion.

The latest net total of job losses was far worse than the 524,000 that economists expected. Job reductions in November and December also were deeper than previously reported.

With cost-cutting employers in no mood to hire, the unemployment rate bolted to 7.6 percent in January, the highest since September 1992. The increase in the jobless rate from 7.2 percent in December also was worse than the 7.5 percent rate economists expected.

All told, the economy has lost a staggering 3.6 million jobs since the recession began in December 2007. About half of this decline occurred in the past three months.

"Companies are in survival mode and are really cutting to the bone," said economist Ken Mayland, president of ClearView Economics. "They are cutting and cutting hard now out of fear of an uncertain future."

Factories slashed 207,000 jobs in January, the largest one-month drop since October 1982, partly reflecting heavy losses at plants making autos and related parts. Construction companies got rid of 111,000 jobs. Professional and business services chopped 121,000 positions. Retailers eliminated 45,000 jobs. Leisure and hospitality axed 28,000 slots.

Those reductions swamped employment gains in education and health services, as well as in the government.

Just in the 12 months ending January, an astonishing 3.5 million jobs have vanished, the most on record going back to 1939, although the total number of jobs has grown significantly since then.

Employers are slashing payrolls and turning to other ways to cut costs - including trimming workers' hours, freezing wages or cutting pay - to cope with shrinking appetites from customers in the U.S. and overseas, who are struggling with their own economic troubles.

The average work week in January stayed at 33.3 hours, matching the record low set in December.

With no place to go, the number of unemployed workers climbed to 11.6 million.

Over the past 12 months, the number of unemployed has increased by 4.1 million, and the unemployment rate has risen by 2.7 percentage points.

Job hunters also are facing longer searches for work.

The average time it took for an unemployed person to find any job - full or part time - rose to 19.8 weeks in January, compared with 17.5 weeks a year ago, underscoring the increasing difficulty the out-of-work are having in finding a new job.

Workers with jobs saw modest wage gains.

Average hourly earnings rose to $18.46 in January, up 0.3 percent from the previous month. Over the year, wages have risen 3.9 percent.

An avalanche of layoffs is slamming the nation from a wide swath of employers.

Caterpillar Inc., Pfizer Inc., Microsoft Corp., Estee Lauder Cos., Time Warner Cable Inc., and Sprint Nextel Corp. are among the companies slicing payrolls. Manufacturers - especially car makers - construction companies and retailers have been particularly hard hit by the recession. Talbots Inc., Liz Claiborne Inc., Macy's Inc. and Home Depot Inc. are all cutting jobs. So are Detroit's General Motors Corp. and Ford Motor Co.

Americans cut back sharply on spending at the end of last year, thrusting the economy into its worst backslide in a quarter-century. The tailspin could well accelerate in the current January-March quarter to a rate of 5 percent or more as the recession drags on into a second year, and consumers and businesses burrow deeper.

Vanishing jobs and evaporating wealth from tanking home values, 401(k)s and other investments have forced consumers to retrench, which has required companies to pull back. It's a vicious cycle where the economy's problems feed on each other, perpetuating a downward spiral.

Many economists predict the current quarter - in terms of lost economic growth - will be the worst of the recession.

With fallout from the housing, credit and financial crises - the worst since the 1930s - ripping through the economy, analysts predict 3 million or more jobs will vanish this year even if lawmakers quickly approve Obama's stimulus plan, which has ballooned to more than $900 billion in the Senate.

Obama has repeatedly pressed Congress to swiftly enact a package of increased government spending, including big public works projects and tax cuts, to revive the economy and create jobs. He says his plan will save or create more than 3 million jobs in the next two years.

But the recession has proven stubborn. Despite record low interest rates ordered by the Federal Reserve and a raft of radical programs, including a $700 billion financial bailout, consumers and businesses face high hurdles to borrow money. Foreclosures are skyrocketing, home prices are sinking and Wall Street remains on edge.

For information about Insurance - visit: http://www.insurancepricedright.com

Technorati : economy, employment, insurance, jobs, texas insurance

Del.icio.us : economy, employment, insurance, jobs, texas insurance

Zooomr : economy, employment, insurance, jobs, texas insurance

Flickr : economy, employment, insurance, jobs, texas insurance

Notes from the Doctor

2009-02-03T07:59:00.000-05:00

Q: Doctor, I've heard that cardiovascular exercise can prolong life; is this true?

A: Your heart is only good for so many beats, and that's it... don't waste them on exercise. Everything wears out eventually. Speeding up your heart will not make you live longer; that's like saying you can extend the life of your car by driving it faster. Want to live longer? Take a nap.

Q: Should I cut down on meat and eat more fruits and vegetables?

A: You must grasp logistical efficiencies. What does a cow eat? Hay and corn. And what are these? Vegetables. So a steak is nothing more than an efficient mechanism of delivering vegetables to your system. Need grain? Eat chicken. Beef is also a good source of field grass (green leafy vegetable). And a pork chop can give you 100% of your recommended daily allowance of vegetable products.

Q: Should I reduce my alcohol intake?

A: No, not at all. Wine is made from fruit. Brandy is distilled wine, that means they take the water out of the fruity bit so you get even more of the goodness that way. Beer is also made out of grain. Bottoms up!

Q: How can I calculate my body/fat ratio?

A: Well, if you have a body and you have fat, your ratio is one to one. If you have two bodies, your ratio is two to one, etc.

Q: What are some of the advantages of participating in a regular exercise program?

A: Can't think of a single one, sorry. My philosophy is: No Pain...Good!

Q: Aren't fried foods bad for you?

A: YOU'RE NOT LISTENING!!! .... Foods are fried these days in vegetable oil. In fact, they're permeated in it. How could getting more vegetables be bad for you?

Q: Will sit-ups help prevent me from getting a little soft around the middle?

A: Definitely not! When you exercise a muscle, it gets bigger. You should only be doing sit-ups if you want a bigger stomach.

Q: Is chocolate bad for me?

A: Are you crazy? HELLO Cocoa beans! Another vegetable!!! It's the best feel-good food around!

Q: Is swimming good for your figure?

A: If swimming is good for your figure, explain whales to me.

Q: Is getting in-shape important for my lifestyle?

A: Hey! 'Round' is a shape!

Well, I hope this has cleared up any misconceptions you may have had about food and diets.

And remember:

'Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways - Chardonnay in one hand - chocolate in the other - body thoroughly used up, totally worn out and screaming 'WOO HOO, What a Ride'

AND.....

For those of you who watch what you eat, here's the final word on nutrition and health. It's a relief to know the truth after all those conflicting nutritional studies.

1. The Japanese eat very little fat

and suffer fewer heart attacks than Canadians.

2. The Mexicans eat a lot of fat

and suffer fewer heart attacks than Canadians.

3. The Chinese drink very little red wine

and suffer fewer heart attacks than Canadians.

4. The Italians drink a lot of red wine

and suffer fewer heart attacks than Canadians.

5. The Germans drink a lot of beers and eat lots of sausages and fats and suffer fewer heart attacks than Canadians.

CONCLUSION

Eat and drink what you like.

Speaking English is apparently what kills you.

Technorati : doctor, eating healthy, fruits, health tips, vegetables

Del.icio.us : doctor, eating healthy, fruits, health tips, vegetables

Zooomr : doctor, eating healthy, fruits, health tips, vegetables

Flickr : doctor, eating healthy, fruits, health tips, vegetables

Pizza Delivery - Call Ahead - It's Safer !

2009-01-26T15:02:00.001-05:00

This was forwarded on to me from another Tech guy in our office. Make sure you turn your speakers on - this is something you dont want to miss!

FYI - Imagine if home sales ever went to this - would it be good or bad....you tell me.

Click Here > http://aclu.org/pizza/images/screen.swf

Technorati : call ahead, pizza delivery, pizza restaurants, real estate delivery

Del.icio.us : call ahead, pizza delivery, pizza restaurants, real estate delivery

Zooomr : call ahead, pizza delivery, pizza restaurants, real estate delivery

Flickr : call ahead, pizza delivery, pizza restaurants, real estate delivery

Thursday Jan 22nd

2009-01-21T08:08:00.001-05:00

Thursday, January 22

12:00 noon - 1:30 pm

4608 Abbott at Knox

Technorati : Hamburger Man, Real Estate, Realtor Lunch, Robert J Russell

Del.icio.us : Hamburger Man, Real Estate, Realtor Lunch, Robert J Russell

Zooomr : Hamburger Man, Real Estate, Realtor Lunch, Robert J Russell

Flickr : Hamburger Man, Real Estate, Realtor Lunch, Robert J Russell

Thursday Jan 22nd - 4-7pm

2009-01-17T10:17:00.001-05:00

Technorati : Chicago Title, FreeRealtorLunch.blogsot.com, Realtor Celebration

Del.icio.us : Chicago Title, FreeRealtorLunch.blogsot.com, Realtor Celebration

Zooomr : Chicago Title, FreeRealtorLunch.blogsot.com, Realtor Celebration

Flickr : Chicago Title, FreeRealtorLunch.blogsot.com, Realtor Celebration

Do you have a Suggestion ?

2009-01-16T09:10:00.001-05:00

So many people are now shopping for everything on the Internet - what if you could go to one source for all of your information ?

If you have suggestions or would like information - visit our website:

http://www.robertjrussell.com and be sure and register for our $1000 Monthly Give-Away!

StrategyToRetire.com

2009-01-13T09:19:00.001-05:00
StrategyToRetire.com

Posted using ShareThis

FREE REALTOR LUNCH

2009-01-09T09:12:00.003-05:00

Your Invited to attend one or all of our 3 FREE Realtor Lunches and Learn how to Sell Real Estate outside of your MLS Area! Don't be a Local Agent - Be a Global Agent !!
This course teaches agents how to promote properties in the national and international markets, how to work with builders and developers around the world.
The vacation and second-home markets are exploding. Agents will also learn terrific ideas for their listing presentations, as well as how to increase their sales by maintaining their clients for life.
"We want to share referrals with the best agents in the business . We're eager to help other agents tap into this huge market of buyers and investors who are looking for U.S. properties, as well as to market exotic overseas properties to local buyers."

Friday: Jan. 9th - 12pm - Keller Williams Office - 120 S Denton Tap Ste 305, Coppell - Lunch Provided ( RSVP )

Monday: Jan. 12th - 12pm - Chicago Title - 543 W. Main St Ste 101, Lewisville - Lunch Provided ( RSVP )

Tuesday: Jan. 13th - 12pm - Republic Title - 8810 N. McArthur Blvd. Irving - Lunch Provided

This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.

FREE LUNCH

2008-08-06T20:35:00.005-04:00

REALTOR APPRECIATION MONTH !!

2007-07-06T07:15:00.001-04:00

REALTOR APPRECIATION MONTH

In honor of all the work that REALTORS do for their clients,
TJ HARTFORD'S is sponsoring

Happy Hour 4-6pm
Full Menu 6-8pm with 5cent Games for kids !

Special Drink & Appetizer Prices for REALTORS, Mortgage Industry, Title Co Reps, Home Warranty Reps, New Construction Sales & Home Inspectors !

Come Join us: July 10th
TJ Hartford's
1960 S. Stemmons Frwy.
Lewisville, Tx 75067

* To be eligible for discount drink & food menu - you must tell your waiter that you are there for:
REALTOR APPRECIATION

This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.

REALTOR LUNCHEON IN CANYON CREEK THURSDAY!

2007-05-17T08:52:00.000-04:00

You’re invited!

What: Realtor Luncheon

Where: 2902 Canyon Creek, Richardson (in Canyon Creek)

Mapsco 7J

When: Thursday, May 17 from 11:30 am to 1:00 pm

Who: Sponsored by Linda Rose, Ebby Halliday, REALTORS

Come eat, network, and see this gorgeous rebuilt executive home with awesome outdoor living space on the Canyon Creek Golf Course. Tremendous attention to detail and quality.

Bring your clients and fellow agents! Door prizes will be awarded in a random drawing as well as to the agent who brings the highest number of fellow agents and/or clients!

Linda Rose

"The Ebby Rose"

REALTOR, ABR, GRI, CRS

Ebby Halliday REALTORS

(214)538-1462

linda.rose@realtor.com

http://www.homesbylindarose.com/

Realtor Luncheon - May 3

2007-05-01T08:28:00.000-04:00
When:
Thursday, May 3rd
Where:
705 Keeler in Lantana
Time:
11:00 AMâ€”1:00 PM
What:

Lunch catered by Pei Wei

Sponsored By:

Becky Washam & Associates and Countrywide Mortgageâ€”Jeremy Steffens

705 Keeler in Lantana

Â· $379,000

Â· 4,032 square feet

Â· Built in 2003

Â· Brenham Subdivision

Â· 3 car garage

RE/MAX DFW Associates IV

If you are in the Flower Mound office, especially if you are on the Blue team, come for points! If you are with another office, come for good food!

This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.

REALTOR lunch May 3

2007-05-01T08:26:00.000-04:00
A May Day, “Mayday” Realtor Luncheon !!!!

2774 Hillview Drive, Lewisville
Vista Ridge Estates, (Mapsco DA 1A-F)

Thursday May 3rd
11:30 to 1:30

Assorted salads, breads and desserts

By Joyce Whitbread, 972-672-3375…….RE/MAX DFW Associates,

This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.

Lantana Lunch

2007-05-01T08:22:00.000-04:00

Huntington Homes and Sanders & Associates …

LOVES RED, WHITE & BLUE at RE/MAX DFW Associates

I will be giving away 3 special prizes from Jean Ann at our luncheon. This is in addition to the $900 cash already mentioned.

This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.

Open House - Thursday - April 12

2007-04-10T18:45:00.000-04:00

This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.

Lantana Lunch

2007-04-09T08:20:00.000-04:00

100 Wendover Court, Southlake

2007-03-27T19:19:00.001-04:00

Friday March 30th from 11a.m.-1p.m. Catered lunch from Central Market and a drawing for a $50 gift card from Starbucks. Stunning 4 bedroom, 4 bath estate home with 4 car garage, over-sized lot, pool, pool house with dry sauna and much more! Priced at $732,000

Lori Albert

Beverly Frassinelli

Prudential Texas Properties

Lori Albert

Prudential Texas Properties

817.247.2726

www.prudentialtexas.com/lorialbert

Sucker-punch spam with award-winning protection.
Try the free Yahoo! Mail Beta.

REALTOR Lunch !!

2007-03-27T09:16:00.000-04:00
Where: 4528 Embercrest Ln. Ft Worth 76123
Mapsco - FW 0103 - T

When: Thursday March 29 - 11:30 to 1:30 pm

Who: Realtors & Buyers !

Why: Your Hungry & Your Buyers Will Love It!

What are we havin ?
Bar-B-Q Sandwiches, Chips, Potatoe Salad, Beans & Cookies

This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.

Flower Mound Open House

2007-03-08T13:10:00.001-05:00

Here are the details since the flyer was not showing up.

First American Title Company proudly presents their new office in Flower Mound.

Thursday March 8^th, 2007

5:00 PM to 8:00 PM

3000 Corporate Court, Suite 400

Flower Mound, TX 75063

Ryan McLearen, Glenda Huffman, Melanie Fox, and Gina Seese invite all to enjoy the

company of:

Five-Time Super bowl winner Charles Haley and Hall of Fame Member Rayfield Wright

Mr. Wright will be available to autograph copies of his recently released book,

Wright Up Front

Catering provided by The Grotto, along with wine, beer, and champagne; Valet Parking Available

Please call for additional information: 972.539.1602

Ryan McLearen

Business Development

c: 972-561-0009 f: 866-429-5175

e: rmclearen@firstam.com

Realtor Luncheon

2007-02-27T13:49:00.000-05:00

REALTOR'S FIESTA LUNCHEON

THURSDAY, MARCH 1, 2007

11:30 - 1:30

2143 HUNTERS RIDGE

CARROLLTON , TX 75006

COME BY, ENJOY A DELICIOUS MEXICAN LUNCH, AND

GIVE US YOUR OPINION!

BETH SCHUTZ

RE/MAX DFW Associates

972-393-9636

214-418-6256

CALL IF YOU HAVE ANY QUESTIONS!

Please Post on the Blog

2007-02-20T13:40:00.000-05:00

Please join us for lunch in Lasater Addition in Fort Worth

**Friday, February 23 from 11:00 to 1:00**

8420 Cactus Flower Drive

(820 to Blue Mound Rd; N on Blue Mound; R on East Harmon; R on Cattle Crossing & it becomes Cactus Flower.)

We will be having the “South’s best fried chicken” according to D Magazine

Babe’s Chicken

Fried Chicken

Mashed potatoes

Cream gravy

Grandma’s corn

Green salad

Biscuits w/ butter & honey

Iced Tea

*Drawing for Gift Certificate to Joe T Garcia’s*

Better than New! $179,900

Wow! Shows like a model. This home is in great condition and has an excellent floorplan. Master is down with four bedrooms and a gameroom upstairs. Fenced yard with great wood deck. Pride of ownership! Must see!

Sheila Ridley

Administrative Assistant

Becky Washam & Associates

972-355-3539

Valentines Brunch at Stewart Title Flower Mound, Wed., 2/14, 9:30-11:30

2007-02-06T11:23:00.000-05:00
The Omelet Man is going to be ready for all of you so
kindly send your RSVP’s by Friday, February 9th.

Warmest thanks,

Anne Chunta
achunta@stewart.com
Business Development Officer
Stewart Title
3305 Long Prairie Rd. , Ste. 100 Flower Mound , TX 75022
Ph: 972-539-2275
Fax: 972-539-4222

Ask me about accessing your file online 24/7 through SureClose, our Transaction Management System.

This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.

Realtor Lunch

2007-02-06T11:21:00.001-05:00

K. Hovnanian Homes Cordova Estates of Mira Lagos

Realtor Grand Opening Lunch

Feb. 15^th 11am to 1pm

3012 England Parkway Grand Prairie 75054

Mansfield ISD

RSVP to Kara or Brad at 817-255-2884

Prizes every ½ hour and catered lunch

kkile@khov.com or broberts@khov.com

Kara Kile Dederick

K. Hovnanian Homes

Estates of Mira Lagos

817-255-2884 office

214-906-7820 cell

817-255-2885 fax

Thanks again,

Robert J Russell

We Did It Again Group - RE/MAX DFW 972-679-9029

http://www.WeDidItAgainGroup.com

E-Commercial Click here

** Attn: REALTORS -
Post Your Realtor Lunch Here

To Post Your Free Lunch go to: wediditagaingroup.freerealtorlunch@blogger.com

Realtor Luncheon 1.26.2007

2007-01-25T21:09:00.001-05:00

Free Realtor Luncheon on Friday, January 26 from 11.30 to 1.30 at Lakeview at Point Vista in Hickory Creek, Mapsco D - 450W. Lunch is at 104 Barkley Drive, dessert is at 106 Belton Drive. Hosted by Nancy Koket and Amber Brown, RE/MAX DFW Associated, Flower Mound. These are two homes you don't want to miss!

Grand Opening !

2007-01-25T09:44:00.000-05:00
RSVP 972-436-3170

This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.

Post Your Realtor Lunch Here

2006-11-16T12:50:00.000-05:00
To Post Your Free Lunch go to: wediditagaingroup.freerealtorlunch@blogger.com

* Owner of this blog is not responsible for any incorrect information posted.

Nov 15 - Realtor Lunch - Rudy's Bar-B-Que

2006-11-15T06:20:00.000-05:00
11:30-1:30 - 236 South Hook, Hickory Creek Estates
Dan Nevitt & Wes Clayton - RE/MAX DFW Associates

* Owner of this blog is not responsible for any incorrect information posted.

Babe's Chicken - RE/MAX DFW Associates only 11-14-06

2006-11-14T08:19:00.000-05:00
Just a reminder that Babe's Chicken will be at the RE/MAX DFW Office today at 11:15am.

This is only for RE/MAX Realtors & Staff

REALTOR Luncheon Thursday, November 16

2006-11-11T11:09:00.000-05:00
Hi!

Thanks for your message. Please post the attached information regarding a Realtor luncheon scheduled for Thursday, November 16, from noon till 1:30 in Westworth Park, Westworth Village, near Fort Worth. Fort Worth Mapsco 60U. Agents may call my cell for directions or additional information.

Thanks again,

Debbie Dunn
Coldwell Banker Residential Brokerage
817-481-2625 (office)
817-991-3964 (cellular)
debdunn@flash.net
www.debdunn.com

Margaritas, Marketing & Miracles - Catered by Cantina Laredo

2006-11-11T08:16:00.001-05:00
Note: forwarded message attached.

Realtor Lunch - Dec 7th

2006-11-11T08:01:00.001-05:00
Our next one is December 7^th form 4-6 pm at Club Savannah. I'll send you all the details soon! J (Huffines Signature Communities).
What a great idea!
Terri
Terri Phillips
Great Day Communications
cell: 214-505-5922
email: terri.phillips@comcast.net

REALTOR Lunch - Thurs. 11-16

2006-11-11T07:56:00.001-05:00
REALTOR LUNCHEON By Weichert, Realtors - All Points
Properties
3909 Long Meadow in Chimney Rock
Flower Mound
$899,900
Thursday, November 16, 2006
11:30 - 1:30
For Directions:
Call Connie Niedzwiecki with Weichert, Realtors
972-724-4995

Connie Niedzwiecki. ABR, CRS, CRP, CSP
Weichert Realtors- All Points Properties
"A Lasting Impression in Real Estate"
2713 Cross Timbers Rd.,Suite 314
Flower Mound, TX 75028.
Phone: 817-689-7942
E-Mail: connien@flash.net
Web address: www.texasconnie.com.
Helping families into DFW Homes for over 28 years.

Realtor luncheon Tuesday 11-14

2006-11-10T13:40:00.000-05:00

Realtor luncheon next Tuesday
Date: Fri, 14 Nov 2006
Tom and Carole Waugh's

Open House/Luncheon Tuesday

See Flyer for details

Tom Waugh
Ebby Halliday Real Estate, Inc.
972-355-5699

Post Your Comments Here

2006-11-07T16:42:00.000-05:00
To Post your Blog - send your information to :
wediditagaingroup.freerealtorlunch@blogger.com

* Owner of this blog is not responsible for any incorrect information posted.

2006-11-06T12:15:00.000-05:00
This Blog courtesy of http://www.robertjrussell.com

* Owner of this blog is not responsible for any incorrect information posted.


	Thursday, January 22 12:00 noon - 1:30 pm 4608 Abbott at Knox