The Top Three Benefits of Changing Transmission Fluid

There has always been some debate on the pros and cons of changing your transmission fluid on a routine basis, per your vehicle owner’s manual recommendation. One of the many rumored suspicions is that doing so will open your car up to having dreaded transmission issues sooner. To debunk those conspiracy theories, let’s get into the meat of the topic and explore, together, why it absolutely makes sense to change it regularly; and how not doing so could actually cause your car to run sluggishly – potentially costing you precious pennies in the long run!

1) Heat is the enemy

The number one reason that manufacturers recommend you change your transmission fluid regularly is because it degrades as it continually heats up during driving. There are exhaustive studies about the precise temperatures in which its effectiveness actually wanes. Suffice it to say that most owner’s manuals duly recommend changing your fluid every 30,000 miles. There is one exception to this rule: newer vehicles using Dexron III ATF fluid can often go up to 100,000 miles before needing to be changed. As you drive, and the transmission heats up, the viscosity of your fluid changes; over time, this heat causes transmissions to burn up and this is the single-most cause of transmission repairs today – burned up transmissions.

2) Gunk and sludge

As your transmission continues to heat up and it continues to break down, your car’s transmission components begin to get bogged down with gunk and sludge. You don’t need to be a rocket scientist to know that gunk and sludge are going to clog up your transmission gears, causing unnatural wear and tear on your vehicle’s transmission. If you want your transmission to continue to operate smoothly, it is vital to keep it clean.

3) Leaky seals and putrid odors

No, I’m not talking about a horror flick here. A well-maintained machine is one whose owner regularly checks the transmission fluid levels – yes, using the dipstick! You should ideally check your transmission fluid level when your engine is warm and idling. Transmission fluid should be bright red and should smell sweet, not putrid or rancid. It shouldn’t be brown or black or even dark red. It should look like the tip of the spindle after Sleeping Beauty pricked her finger. If your transmission fluid level is low, or the color is not right, it’s time to change your transmission fluid and check (or have checked by the mechanic) all of the seals around the transmission for leaks.

If you want your transmission to last throughout the life of the car, it is imperative that you change your transmission fluid regularly, following your owner’s manual guidelines and a few common sense rules. In today’s world of disposable everything – neglecting your transmission can be a rude awakening to your wallet. The potential costs associated with ignoring the routine maintenance guidelines on your transmission could total thousands of dollars that would be better spent on a nice, warm vacation to a sunny spot this summer.

About Purchasing Wipes for Your Gym

Your gym is a resource for people who want to stay in shape or improve their body and health. It can be a haven for people who love to work out and come to exercise classes, and a place for people to meet, socialize and learn about health and nutrition. Your gym, in other words, is more than just a business- it can provide a lifestyle for your clients. In order to manage your gym efficiently and to help ensure that customers like coming there, it is important to maintain your gym and keep it clean at all times. It is also important to offer conveniences to your customers that they will appreciate. One way to both offer a benefit to customers and to help keep your gym clean is to purchase wipes for your gym.

Wipes for Your Gym

When you purchase wipes for your gym, there are a few different kinds of wipes that you should consider. Perhaps the most obvious type of wipes to buy are gym wipes. Gym wipes are designed for cleaning gym equipment between users. Your customers can grab a gym wipe from a convenient dispenser and wipe down the equipment so that it is clean and dry for the next person who wants to make use of the machine.

Gym wipes serve many important purposes in the gym environment. They allow for the machines to stay clean and safe to use, and they help customers to feel more comfortable making use of the equipment. No one wants to grab sweaty equipment that someone else has just been using without wiping it down first, and gym equipments make this easy. Equipment that is slick with sweat can also be dangerous, so gym wipes help to make your gym a safer place. Finally, because the equipment is cleaned more frequently with gym wipes, it will always appear clean to perspective members visiting the gym and to members who want a pleasant environment at the gym. Cleaning at the end of the day will be easier as well, since the machine is already clean from being wiped down with gym wipes.

In addition to gym wipes, you may also wish to purchase antibacterial wipes or hand wipes to keep around your gym. Like gym wipes, these have many purposes and many benefits to customers. For one thing, they can help to stop the transmission of germs. When people use gym equipment and sweat on that equipment, they leave behind more than just their perspiration- they also leave behind any bacteria, viruses or other organisms that were on their hands or body. This can cause other patrons at the gym to be exposed to these disease-causing organisms. Recent outbreaks of swine flu and other contagious diseases have underscored the importance of always making sure that you are protected from germs.

Customers will also appreciate the opportunity to use an antibacterial wipe to wipe their hands rather than having to go to the bathroom to wash them. This makes for good customer service and can help to improve the gym experience.

Infectious Diarrhea

Clinical Presentation: Every year throughout the world more than 5 million people-most of them kids younger than 1 year-die of acute infectious looseness of the bowels. Although death is really a uncommon outcome of infectious diarrhea within the United States, morbidity is substantial.

It is estimated that you will find more than 200 million episodes each year, resulting in 1.8 million hospitalizations at a price of $6 billion per year. The morbidity and mortality attributable to diarrhea are largely due to loss of intravascular volume and electrolytes, with resultant cardiovascular failure. For example, adults with cholera can excrete a lot more than 1 L of fluid per hour.

Contrast this with the typical volume of fluid lost daily within the stools (150 mL), and it is clear why massive fluid losses connected with infectious diarrhea can lead to dehydration, cardiovascular collapse, and death. Gastrointestinal (GI) tract infections can present with primarily upper tract symptoms (nausea, vomiting, crampy epigastric pain), small intestine symptoms (profuse watery diarrhea), or large intestine signs or symptoms (tenesmus, fecal urgency, bloody looseness of the bowels).

Sources of infection consist of person-to-person   transmission  (fecal-oral spread of Shigella), water-borne  transmission  (Cryptosporidium), food-borne  transmission  (Salmonella or S aureus foods poisoning), and overgrowth following antibiotic administration (Clostridium difficile).

Etiology: A wide range of viruses, bacteria, fungi, and protozoa can infect the GI tract. However, in the majority of instances, symptoms are self-limited, and diagnostic evaluation isn’t performed. Individuals presenting to medical attention are biased toward the subset with more severe signs or symptoms (eg, high fevers or hypotension), immunocompromise (eg, HIV or neutropenia), or prolonged duration (eg, chronic diarrhea defined as lasting 14 days). An exception is large outbreaks of food-borne sickness, in which epidemiologic investigations may detect individuals with milder variants of illness.

Pathogenesis: A comprehensive approach to GI tract infections starts using the classic host-agent-environment interaction model. A quantity of host elements influence GI tract infections. Individuals at extremes of age and with comorbid conditions (eg, HIV infection) are at higher risk for symptomatic infection.

Medications that alter the GI microenvironment or destroy typical bacterial flora (eg, antacids or antibiotics) also predispose individuals to infection. Microbial agents responsible for GI sickness could be categorized according to kind of organism (bacterial, viral, protozoal), propensity to attach to various anatomic sites (stomach, little bowel, colon), and pathogenesis (enterotoxigenic, cytotoxigenic, enteroinvasive).

Environmental elements can be divided into three broad categories based on mode of  transmission : (1) water borne, (2) foods borne, and (three) individual to person. GI tract infections can involve the stomach, leading to nausea and vomiting, or affect the small and large bowel, with looseness of the bowels as the predominant symptom.

The term “gastroenteritis” classically denotes infection of the stomach and proximal little bowel. Organisms causing this disorder consist of Bacillus cereus, S aureus, and a quantity of viruses (rotavirus, norovirus). B cereus and S aureus produce a preformed neurotoxin that, even in the absence of viable bacteria, is capable of causing disease, and these toxins represent major leads to of foods poisoning.

Although the exact mechanisms are poorly understood, it’s thought that neurotoxins act locally, through stimulation of the sympathetic nervous system having a resultant improve in peristaltic activity, and centrally, through activation of emetic centers within the brain. The spectrum of diarrheal infections is typified by the diverse clinical manifestations and mechanisms via which E coli can trigger diarrhea.

Colonization from the human GI tract by E coli is universal, usually occurring within hours following birth. Nevertheless, when the host organism is exposed to pathogenic strains of E coli not normally present in the bowel flora, localized GI illness or even systemic sickness may occur.

You will find five major classes of diarrheogenic E coli: enterotoxigenic (ETEC), enteropathogenic (EPEC), enterohemorrhagic (EHEC), enteroaggregative (EAEC), and enteroinvasive (EIEC). Functions typical to all pathogenic E coli are evasion of host defenses, colonization of intestinal mucosa, and multiplication with host cell injury.

This organism, like all GI pathogens, should survive transit via the acidic gastric environment and be able to persist within the GI tract despite the mechanical force of peristalsis and competition for scarce nutrients from existing bacterial flora. Adherence can be nonspecific (at any part from the intestinal tract) or, a lot more commonly, particular, with attachment occurring at well-defined anatomic areas.

Once colonization and multiplication happen, the stage is set for host injury. Infectious diarrhea is clinically differentiated into secretory, inflammatory, and hemorrhagic kinds, with different pathophysiologic mechanisms accounting for these diverse presentations. Secretory (watery) diarrhea is caused by a quantity of bacteria (eg, Vibrio cholerae, ETEC, EAggEC), viruses (rotavirus, norovirus), and protozoa (Giardia, Cryptosporidium).

These organisms attach superficially to enterocytes in the lumen of the small bowel. Stool examination is notable for the absence of fecal leukocytes, even though in uncommon instances there’s occult blood in the stools. Some of these pathogens elaborate enterotoxins, proteins that improve intestinal cyclic adenosine monophosphate (cAMP) production, primary to net fluid secretion. The classic example is cholera.

The bacterium V cholerae creates cholera toxin, which leads to prolonged activation of epithelial adenylyl cyclase within the small bowel, primary to secretion of massive amounts of fluid and electrolytes into the intestinal lumen. Clinically, the patient presents with copious diarrhea (“rice-water stools”), progressing to dehydration and vascular collapse without having vigorous volume resuscitation.

ETEC, a common trigger of acute diarrheal sickness in young kids and the most typical trigger of looseness of the bowels in travelers returning to the United States from developing countries, creates two enterotoxins. The heat-labile toxin (LT) activates adenylyl cyclase in a manner analogous to cholera toxin, whereas the heat-stable toxin (ST) activates guanylyl cyclase activity.

Inflammatory diarrhea is really a result of bacterial invasion of the mucosal lumen, with resultant cell death. Patients with this syndrome are usually febrile, with complaints of crampy lower abdominal discomfort as nicely as diarrhea, which might contain visible mucous. The term dysentery is utilized when there are substantial numbers of fecal leukocytes and gross blood.

Pathogens connected with inflammatory looseness of the bowels consist of EIEC, Shigella, Salmonella, Campylobacter, and Entamoeba histolytica. Shigella, the prototypical trigger of bacillary dysentery, invades the enterocyte through formation of an endoplasmic vacuole, which is lysed intracellularly. Bacteria then proliferate within the cytoplasm and invade adjacent epithelial cells.

Production of a cytotoxin, the Shiga toxin, leads to local cell destruction and death. EIEC resembles Shigella both clinically and with respect towards the mechanism of invasion of the enterocyte wall; however, the specific cytotoxin associated with EIEC has not yet been identified. Hemorrhagic diarrhea, a variant of inflammatory diarrhea, is primarily triggered by EHEC.

Infection with E coli O157:H7 has been connected with a quantity of deaths from the hemolytic-uremic syndrome, with a number of well-publicized outbreaks related to contaminated foods. EHEC leads to a broad spectrum of clinical disease, with manifestations including (1) asymptomatic infection, (2) watery (nonbloody) looseness of the bowels, (three) hemorrhagic colitis (bloody, noninflammatory diarrhea), and (4) hemolytic-uremic syndrome (an acute illness, primarily of children, characterized by anemia and renal failure). EHEC doesn’t invade enterocytes; nevertheless, it does create two Shiga-like toxins (Stx1 and Stx2) that closely resemble the Shiga toxin in structure and function. After binding of EHEC towards the cell surface receptor, the A subunit of the Shiga toxin catalyzes the destructive cleavage of ribosomal RNA and halts protein synthesis, leading to cell death.

Clinical Manifestations: Clinical manifestations of GI infections vary depending on the on website of involvement For instance, in staphylococcal foods poisoning, symptoms develop several hours after ingestion of foods contaminated with neurotoxin-producing S aureus. The symptoms of staphylococcal food poisoning are profuse vomiting, nausea, and abdominal cramps.

Diarrhea is variably present with agents leading to gastroenteritis. Profuse watery (noninflammatory, nonbloody) diarrhea is connected with bacteria that have infected the small intestine and elaborated an enterotoxin (eg, Clostridium perfringens, V cholerae). In contrast, colitis-like symptoms (lower abdominal pain, tenesmus, fecal urgency) and an inflammatory or bloody diarrhea occur with bacteria that more generally infect the large intestine.

The incubation period is usually longer (> 3 days) for bacteria that localize towards the large intestine, and colonic mucosal invasion can occur, causing fever, bacteremia, and systemic symptoms.

The Top 5 Key Benefits of Purchasing and Owning Investment Real Estate

So… You may ask yourself, why should you buy or invest in real estate in the First Place? Because it’s the IDEAL investment! Let’s take a moment to address the reasons why people should have investment real estate in the first place. The easiest answer is a well-known acronym that addresses the key benefits for all investment real estate. Put simply, Investment Real Estate is an IDEAL investment. The IDEAL stands for:

• I – Income
• D – Depreciation
• E – Expenses
• A – Appreciation
• L – Leverage

Real estate is the IDEAL investment compared to all others. I’ll explain each benefit in depth.

The “I” in IDEAL stands for Income. (a.k.a. positive cash flow) Does it even generate income? Your investment property should be generating income from rents received each month. Of course, there will be months where you may experience a vacancy, but for the most part your investment will be producing an income. Be careful because many times beginning investors exaggerate their assumptions and don’t take into account all potential costs. The investor should know going into the purchase that the property will COST money each month (otherwise known as negative cash flow). This scenario, although not ideal, may be OK, only in specific instances that we will discuss later. It boils down to the risk tolerance and ability for the owner to fund and pay for a negative producing asset. In the boom years of real estate, prices were sky high and the rents didn’t increase proportionately with many residential real estate investment properties. Many naïve investors purchased properties with the assumption that the appreciation in prices would more than compensate for the fact that the high balance mortgage would be a significant negative impact on the funds each month. Be aware of this and do your best to forecast a positive cash flow scenario, so that you can actually realize the INCOME part of the IDEAL equation.

Often times, it may require a higher down payment (therefore lesser amount being mortgaged) so that your cash flow is acceptable each month. Ideally, you eventually pay off the mortgage so there is no question that cash flow will be coming in each month, and substantially so. This ought to be a vital component to one’s retirement plan. Do this a few times and you won’t have to worry about money later on down the road, which is the main goal as well as the reward for taking the risk in purchasing investment property in the first place.

The “D” in IDEAL Stands for Depreciation. With investment real estate, you are able to utilize its depreciation for your own tax benefit. What is depreciation anyway? It’s a non-cost accounting method to take into account the overall financial burden incurred through real estate investment. Look at this another way, when you buy a brand new car, the minute you drive off the lot, that car has depreciated in value. When it comes to your investment real estate property, the IRS allows you to deduct this amount yearly against your taxes. Please note: I am not a tax professional, so this is not meant to be a lesson in taxation policy or to be construed as tax advice.

With that said, the depreciation of a real estate investment property is determined by the overall value of the structure of the property and the length of time (recovery period based on the property type-either residential or commercial). If you have ever gotten a property tax bill, they usually break your property’s assessed value into two categories: one for the value of the land, and the other for the value of the structure. Both of these values added up equals your total “basis” for property taxation. When it comes to depreciation, you can deduct against your taxes on the original base value of the structure only; the IRS doesn’t allow you to depreciate land value (because land is typically only APPRECIATING). Just like your new car driving off the lot, it’s the structure on the property that is getting less and less valuable every year as its effective age gets older and older. And you can use this to your tax advantage.

The best example of the benefit regarding this concept is through depreciation, you can actually turn a property that creates a positive cash flow into one that shows a loss (on paper) when dealing with taxes and the IRS. And by doing so, that (paper) loss is deductible against your income for tax purposes. Therefore, it’s a great benefit for people that are specifically looking for a “tax-shelter” of sorts for their real estate investments.

For example, and without getting too technical, assume that you are able to depreciate $15,000 a year from a $500,000 residential investment property that you own. Let’s say that you are cash-flowing $1,000 a month (meaning that after all expenses, you are net-positive $1000 each month), so you have $12,000 total annual income for the year from this property’s rental income. Although you took in $12,000, you can show through your accountancy with the depreciation of the investment real estate that you actually lost $3,000 on paper, which is used against any income taxes that you may owe. From the standpoint of IRS, this property realized a loss of $3,000 after the “expense” of the $15,000 depreciation amount was taken into account. Not only are there no taxes due on that rental income, you can utilize the paper loss of $3,000 against your other regular taxable income from your day-job. Investment property at higher price points will have proportionally higher tax-shelter qualities. Investors use this to their benefit in being able to deduct as much against their taxable amount owed each year through the benefit of depreciation with their underlying real estate investment.

Although this is a vastly important benefit to owning investment real estate, the subject is not well understood. Because depreciation is a somewhat complicated tax subject, the above explanation was meant to be cursory in nature. When it comes to issues involving taxes and depreciation, make sure you have a tax professional that can advise you appropriately so you know where you stand.

The “E” in IDEAL is for Expenses – Generally, all expenses incurred relating to the property are deductible when it comes to your investment property. The cost for utilities, the cost for insurance, the mortgage, and the interest and property taxes you pay. If you use a property manager or if you’re repairing or improving the property itself, all of this is deductible. Real estate investment comes with a lot of expenses, duties, and responsibilities to ensure the investment property itself performs to its highest capability. Because of this, contemporary tax law generally allows that all of these related expenses are deductible to the benefit of the investment real estate landowner. If you were to ever take a loss, or purposefully took a loss on a business investment or investment property, that loss (expense) can carry over for multiple years against your income taxes. For some people, this is an aggressive and technical strategy. Yet it’s another potential benefit of investment real estate.

The “A” in IDEAL is for Appreciation – Appreciation means the growth of value of the underlying investment. It’s one of the main reasons that we invest in the first place, and it’s a powerful way to grow your net worth. Many homes in the city of San Francisco are several million dollars in today’s market, but back in the 1960s, the same property was worth about the cost of the car you are currently driving (probably even less!). Throughout the years, the area became more popular and the demand that ensued caused the real estate prices in the city to grow exponentially compared to where they were a few decades ago. People that were lucky enough to recognize this, or who were just in the right place at the right time and continued to live in their home have realized an investment return in the 1000’s of percent. Now that’s what appreciation is all about. What other investment can make you this kind of return without drastically increased risk? The best part about investment real estate is that someone is paying you to live in your property, paying off your mortgage, and creating an income (positive cash flow) to you each month along the way throughout your course of ownership.

The “L” in IDEAL stands for Leverage – A lot of people refer to this as “OPM” (other people’s money). This is when you are using a small amount of your money to control a much more expensive asset. You are essentially leveraging your down payment and gaining control of an asset that you would normally not be able to purchase without the loan itself. Leverage is much more acceptable in the real estate world and inherently less risky than leverage in the stock world (where this is done through means of options or buying “on Margin”). Leverage is common in real estate. Otherwise, people would only buy property when they had 100% of the cash to do so. Over a third of all purchase transactions are all-cash transactions as our recovery continues. Still, about 2/3 of all purchases are done with some level of financing, so the majority of buyers in the market enjoy the power that leverage can offer when it comes to investment real estate.

For example, if a real estate investor was to buy a house that costs $100,000 with 10% down payment, they are leveraging the remaining 90% through the use of the associated mortgage. Let’s say the local market improves by 20% over the next year, and therefore the actual property is now worth $120,000. When it comes to leverage, from the standpoint of this property, its value increased by 20%. But compared to the investor’s actual down payment (the “skin in the game”) of $10,000- this increase in property value of 20% really means the investor doubled their return on the investment actually made-also known as the “cash on cash” return. In this case, that is 200%-because the $10,000 is now responsible and entitled to a $20,000 increase in overall value and the overall potential profit.

Although leverage is considered a benefit, like everything else, there can always be too much of a good thing. In 2007, when the real estate market took a turn for the worst, many investors were over-leveraged and fared the worst. They could not weather the storm of a correcting economy. Exercising caution with every investment made will help to ensure that you can purchase, retain, pay-off debt, and grow your wealth from the investment decisions made as opposed to being at the mercy and whim of the overall market fluctuations. Surely there will be future booms and busts as the past would dictate as we continue to move forward. More planning and preparing while building net worth will help prevent getting bruised and battered by the side effects of whatever market we find ourselves in.

Many people think that investment real estate is only about cash flow and appreciation, but it’s so much more than that. As mentioned above, you can realize several benefits through each real estate investment property you purchase. The challenge is to maximize the benefits through every investment.

Furthermore, the IDEAL acronym is not just a reminder of the benefits of investment real estate; it’s also here to serve as a guide for every investment property you will consider purchasing in the future. Any property you purchase should conform to all of the letters that represent the IDEAL acronym. The underlying property should have a good reason for not fitting all the guidelines. And in almost every case, if there is an investment you are considering that doesn’t hit all the guidelines, by most accounts you should probably PASS on it!

Take for example a story of my own, regarding a property that I purchased early on in my real estate career. To this day, it’s the biggest investment mistake that I’ve made, and it’s precisely because I didn’t follow the IDEAL guidelines that you are reading and learning about now. I was naïve and my experience was not yet fully developed. The property I purchased was a vacant lot in a gated community development. The property already had an HOA (a monthly maintenance fee) because of the nice amenity facilities that were built for it, and in anticipation of would-be-built homes. There were high expectations for the future appreciation potential-but then the market turned for the worse as we headed into the great recession that lasted from 2007-2012. Can you see what parts of the IDEAL guidelines I missed on completely?

Let’s start with “I”. The vacant lot made no income! Sometimes this can be acceptable, if the deal is something that cannot be missed. But for the most part this deal was nothing special. In all honesty, I’ve considered selling the trees that are currently on the vacant lot to the local wood mill for some actual income, or putting up a camping spot ad on the local Craigslist; but unfortunately the lumber isn’t worth enough and there are better spots to camp! My expectations and desire for price appreciation blocked the rational and logical questions that needed to be asked. So, when it came to the income aspect of the IDEAL guidelines for a real estate investment, I paid no attention to it. And I paid the price for my hubris. Furthermore, this investment failed to realize the benefit of depreciation as you cannot depreciate land! So, we are zero for two so far, with the IDEAL guideline to real estate investing. All I can do is hope the land appreciates to a point where it can be sold one day. Let’s call it an expensive learning lesson. You too will have these “learning lessons”; just try to have as few of them as possible and you will be better off.

When it comes to making the most of your real estate investments, ALWAYS keep the IDEAL guideline in mind to make certain you are making a good decision and a solid investment.

Is Out-Of-State Real Estate Investing Right for You?

Have you made up your mind to start investing in real estate, but you’re torn in deciding where to invest?

Are you thinking about making a local investment, but wondering if an out-of-state investment might be better?

This is one of the first of many choices you’ll have to make when you decide to invest in real estate: the simple question of where you should invest your hard-earned dollars. While there are definite benefits to investing in your area, there are also some potentially profit-limiting downsides.

That’s not to say investing in outside areas doesn’t have its own pros and cons. Let’s take a look at both and see why out-of-state real estate investing might be a profitable option you have not yet explored.

Investing Locally

This is the most obvious choice for many real estate investors, but is it really right for you?

If you choose to buy a property local to you, you’ll rest easier about your investment since you know the market. First, you know your competition. You might know the names of professionals you can trust and you’ll have an intimate understanding of what the cost of living is for that area and how to make things more affordable.

Second, if you like to be hands-on, it will be much easier for you since you’re right there. If you want to see the property, it’s just a short drive away. If you want to talk to the property manager face-to-face, you just put it on your calendar for the end of the day.

Drawbacks to Local Investments

On the other hand, investing solely local can narrow your options. Not every market has the inventory of good investment opportunities that you can avail yourself of if you invest out-of-state. The local inventory of available properties may or may not be big enough or well-suited for investment opportunities.

You also run into the problem of whether your local market is the one you want. The recession made a huge impact on housing markets throughout the country and some areas have recovered at different paces than others. You might find yourself out-priced in your current market, but even if you aren’t, you might not be able to see a favorable future where you’re at.

Investing Out-of-State

If you decide to invest out-of-state, you can greatly increase your options. You can literally choose any location, any market and invest in properties there. Whether you want to invest in Florida vacation homes and coastal villas or homes in the suburbs of Detroit, the sky’s the limit. You can make your investment fit your price point and interests.

By investing out-of-state, you can put your money to work in markets with high ROI. You pick and choose which markets you’re interested in, and which ones are rising stars in the real estate investment scene, ignoring your own market’s changes.

Investing out-of-state also allows you to scale based on your needs. For many would-be investors, their local market is priced too extravagantly to make real estate investment prudent. The cost of living in a different state, just a few borders east or west, might be considerably lower. That means you can snatch up excellent properties at a much lower cost than you might in your own market.

Even better, you can snag those investment deals on excellent properties that would go for three to four times as much, if not more, in your own local market. Your purchasing power becomes much stronger in other markets, because everything’s relative.

Challenges of Out-of-State Investments

There are still some challenges to these remote investments. First of all, you have to learn who you can trust and maintain the peace of mind that comes from having easy local access to your investment. You also have to be able to trust that the property you’re investing in is what it’s advertised as.

The property is also more difficult to visit if you like to be hands on. You might have to fly out to visit the property, which some people enjoy but others are seriously bothered by. If you are the type of investor who prefers the more passive turn-key approach, this is an excellent opportunity.

Finally, the market won’t be what you’re used to. Nothing will be quite the same as being there and immersing yourself in the market, but you can learn and study. You just have to rely on someone else to have knowledge of the nuances of the market.

Doing Out-of-State Right

There is a solution to all of the challenges of real estate investing outside your state. When you find a reputable, proven company to handle your turn-key real estate transaction, you have someone you can count on to know the market you’re investing in. Here are the main reasons you should find a partner to work with you on your out-of-state investments.

  • They can keep a more educated eye on the market, since they know all of the nuances of that area.
  • They’ll serve as your presence near your investment, keeping everything on track, so you don’t have to make numerous trips to the property.
  • If the turn-key real estate investment firm is reputable, they want you to succeed. This means they’ll do anything they can to make sure you do succeed.

The question becomes, whom can you trust? You want to make sure you engage in a partnership with a firm who is reputable, knowledgeable and engaged in your market. Referrals from other investors are key, so be on the lookout for like-minded people who have been there and done that.

You should also investigate what the turn-key operation offers you, and what their fee or cut of your profit is. Ideally, you’ll want a partner who can help you throughout your investment lifecycle, from acquiring the property to managing it.

Getting Started

We’ve gone over the benefits and drawbacks of out-of-state investing, so now the decision is yours to make. Do you still want to invest locally or have you realized that the time is ripe to diversify your portfolio and invest in out-of-state properties? The benefits of out-of-state real estate investment are huge and the drawbacks can easily be mitigated by partnering with someone in the area in which you’re investing.

Windscreen Wiper Water May Cause Pneumonia and Here’s How to Prevent It

Legionnaires’ disease, a rare disease, is a severe bacterial infection affecting respiratory tract (pneumonia). The organism involved in this condition is Legionella pneumophila that usually founds in mist from hot tubs, air-conditioning units and showers. Transmission occurs by breathing in mist from water that contains these bacteria. General symptoms include fever, cough, chills, muscle pain and headaches.

Windscreen wiper may cause Legionnaires disease A recent study found that “Windscreen wiper water may be the cause of 20% of cases of Legionnaires’ disease and adding screen-wash to wiper fluids could save lives”. This finding is based on a case-control study which surveyed the driving habits and known risk factors of the Legionnaires’ disease. They study was conducted after an unusual high number of cases were reported in England and Wales and around this time it was well established that professional drivers were five times more likely to get Legionnaires’ than people from other lines of work. The study was aimed to further explore the possible reasons for the difference between the occupations.

The researchers contacted the 75 surviving cases who had acquired Legionnaires’ disease and also included 67 control people without the disease. The participants were provided with a questionnaire asking about their driving habits, other recognized risk factors and possible illness sources in the vehicles. They were asked what kind of vehicle they drove, its age, car service history, content of the wiper fluid tank and whether their driving was for societal or occupation reasons.

The results showed that two factors were associated with a high likelihood of being infected: driving all the way through industrial areas and driving or being a traveler in a motor vehicle that used windscreen wiper fluid with no screen-wash. The researchers calculated that about 22% of infections in people could be due to driving or being a traveler in a car that did not use screen-wash in the windscreen wiper fluid. The detected a firm link between people who do not use screen-wash and the danger of Legionnaires’ disease. Although because of case-control nature of study it cannot confirm causation, the investigators state there is a reasonable biological connection. They believe it is plausible that the bacteria grow in the sluggish water of the wiper’s fluid tank that can become an aerosol when it is sprayed onto the windshield.

Though not proved causal relation, until more conclusive results comes, it is advisable to add screen-wash to your car’s wiper fluid as it can limit the transmission of bacterial causing Legionnaires’ disease.

Have You Ever Heard of Viral Marketing?

Viral Marketing is the spread of a word from one person to many others on a quick basis similar to a virus by an infected patient to other people surrounding him/her. It’s a new form of informal advertising by passing along a message or making other people aware about a product or a service just by talking about it.

The name viral is derived from the image of a person being infected with the marketing message, then spreading it to friends like a virus. The major difference, however, is that the customer voluntarily sends the message to others.

Viral Marketing messages include ads for goods and services, hyperlinked promotions that take someone immediately to a website, online newsletters and various games. Statistics indicate that 81 percent of recipients who receive a viral marketing message pass it along to another person. Almost 50 percent pass it along to two or more people.

The marketing message can be more deliberate such as when an individual recommends something to a friend. It can also be transmitted passively, when the message is simply attached to an email. Viral Marketing allows a firm to gain rapid product awareness at a low cost.

The main advantage of implementing viral marketing technique is getting fast and effective results by using this technique widely on the Internet. This gives a better exposure to the website as well as its owner and make other people aware of its existence. It also helps in conveying the desired message to a larger audience therefore building a good reputation for both the company/website and the owner.

Another benefit is that the more popularity the website gain, the bigger number of webmasters it will attract who will be willing either in exchanging links or just placing inbound links. This will definitely increase the value of the website by having external links which will ultimately result in improving its page rank with search engines.

The number of visitors to the website will also rise on a regular basis as it gains popularity and search engine ranking. The website owner will really benefit from the high volume targeted traffic that is going to blow his or her website fame and shoot up his or her revenue. Therefore, I can not emphasize more on the importance of viral marketing in boosting the Internet Marketing industry these days.

Blue Marble, a viral marketing company, created a program for Scope mouth wash. Consumers were able to send a customized, animated e-mail – kiss – to their friends. The attached marketing message reinforced the brand message that Scope brings people – kissably close. People who received the e-mail kiss could then forward the message to someone else. Scope’s tracking technology indicated most did forward the message.

The term – viral – may connote the negative image of a computer virus. Consequently, More concern should be shown when offering this program to a certain company. Company leaders may want to find some other term to describe the technique to the general public so that no undue suspicion or fear arises.