Starting Your Property Search: The Key Differences Between Buying and Renting a House

If your apartment is getting a little too small, you may wish to start your property search for a flat or house to buy. Upon doing so, you need to ponder the two options when weighing your options of where to move to. The options available can include either buying or renting a house. Is one approach better than the other? The answer to that depends upon many different factors. Regardless, there are definitely distinct differences between buying a home and renting one. The following is a look at a few of the more pronounced differences.

The most obvious difference between buying and renting a home would be when you purchase a home, you own it. This means you would potentially be amassing equity since the home can increase in value. In turn, this would also increase the owner's net worth. When renting a home, it is not yours to own no matter how much rent you pay. (The only exception to this would be if you signed onto a rent to own lease where the rent serves as a down payment) You would also be paying rent perpetually. When buying a home and paying a monthly mortgage, you are paying off you loan and when the balance is zero, you will own the home free and clear.

Conversely, a renter could very well save a tremendous amount of equity if the price of real estate begins to decline. While it is most definitely true people increase their wealth through purchasing a home, that is only true if the value of the home increases. Unfortunately, this may not always be the case as real estate prices can decline.

For those that do not wish to settle in a particular area for a long-term period, renting may be the better option since the renter simply has to give notice to the landlord about moving. When you own a home, picking up and moving somewhere new isn't as easy, but the advantage is that if you make significant improvements to the home while you are living there, your next property valuation should reflect a return on your investment.

Regardless of whether or not you buy a home or rent a house, you will need home owner's insurance. When you own a home, you will find the rates on the insurance will remain relatively stable. For those who rent a house or flat, the rates may alter with every year.

Owning a home comes with a tremendous amount of costs and expenses. The reason this is so is that you will have all manner of maintenance and upkeep costs with a house. Well, such will be the case when you actually are the owner. For those who rent, many of these costs need to be incurred by the landlord. Depending upon the terms of your lease, the landlord may be responsible for the repairs and maintenance needed on the property. For renters, this could prove to be a great cost saver depending upon the scope of the work required on the property.

Whether you decide to buy a home or rent a house there are two drastically different approaches. One is not better than the other. They simply have different positives and negatives depending upon you own personal situation. Weighing such pros and cons of both approaches will greatly enhance your potential to make the right decision.

Facts About Real Estate Appraisal

An informative real estate appraisal helps determine the value of property on the market. When you ask to use a real estate property for a loan, your real estate agent will ask for an appraisal of the property.

It is important not to confuse appraisals with CMAs. CMAs are something that agents use to help people selling homes determine a good asking price. An experienced real estate agent may come close to the price of an appraisal, but still they are not the same thing or to be confused with one another.

An appraiser gives a much more detailed report, and it is the only report that a bank will look at when considering you for a loan approval.

Each individual state licenses their appraisers after they complete an internship and course hours. During their internship they become familiar with their particular housing and property market. Lenders sometimes hire appraisers for their staff or they will contract an appraiser to do an appraisal for them. It is important that the appraiser is a subjective third party who has nothing personally to do with the transaction.

The property that they will appraise is called the subject property, and you usually pay for the appraisal when you apply for your loan.

What is seen on report

These are very detailed reports, but here are a few things you can expect to see:

1. An overall evaluation of real estate in the area
2. Complete details about the subject property and 3 comparisons of other properties
3. There will be notations about any serious flaws on the property or home
4. The type of area the home is located in
5. The average sales time of the property (an estimation)

There are two usual methods utilized to appraise a home or property.

Sales Comparison

Makes an appraisal by comparing the subject property to other properties that are similar and have sold in the area. These properties are usually known as comparable. Since no two are ever alike, the appraiser will compare the subject property to the comparable. He or she may even have to make adjustments to the comps (comparable) to make them more in line with the subject property.

Cost Approach

This approach is very useful when it comes to properties that are brand new or just being built. The appraiser then estimates how much it would cost to replace the old property.

It is important to note that if your property appraises lower than the sales price, your loan may be declined. The lender will carefully study the real estate appraisal report given by the appraiser and make a decision about your loan request according to the findings.

Dallas Real Estate - More Affordable Than National Averages

According to the housing market overview report by the Real Estate Center at Texas A&M University, Dallas real estate is more affordable and obtainable than other real estate across the country as a whole.

That's good news for prospective home buyers looking for Dallas homes for sale. Even though Dallas is one of the most sought-after places to live and has one of the fastest growing economies in the country, Dallas real estate prices are remaining low.

According to the Texas A&M Real Estate Center of Texas A&M University, the median home price in the United States is $177,900. By comparison, the median home price in Dallas is just $162,800, and in Fort Worth, the median home price is even lower at $115,100. These numbers show that the home prices are very affordable in the Dallas - Fort Worth metroplex than compared to other places in the country.

What does that mean for people wondering if they can afford Dallas homes for sale? The report estimates that the average income required to qualify for home financing in Dallas is just $32,800. In nearby Fort Worth, those with an annual income of $23,189 can secure a mortgage. Both figures are significantly lower than the national average income needed for financing, which sits at $35,592.

Of course, there any many different types of homes for sale in the Dallas-Fort Worth area, ranging from meager and affordable to massive and thus more expensive. Even though real estate prices in Dallas are lower than in other places in the country, exactly what kind of houses are people buying in Dallas?

In 2010, the segment of homes that saw the most sales were those priced between $200,000 and $249,999, with 10.8 percent of all home sales occurring in this category. However, the second busiest price range consisted of much more affordable homes. Of all the Dallas home sales in 2010, 9.4 percent of the sales were for homes ranging in price from $120,000 to $139,999.

Many people have the impression that Dallas is a city that is simply too expensive to live in because of its ideal location, the pleasant climate, and the desirable school, home, and work environment the city provides.

Despite that commonly held assumption, the latest numbers show that anyone can afford to live in beautiful Dallas.

Conquering the Real Estate Broker Requirements

If you are planning for a career shift or simply looking for a more satisfying job, knowing the real estate broker requirements may be best for you. The real estate market has been one of the most satisfying jobs in terms of income. People are always looking for a property to either sell or buy and the roles of agents have become very in demand. This is why if we are looking for a career shift, it may just be the best choice. This article will provide you with the requirements that you need to know to become a broker agent.

First thing that you should know are the general requirements. Real estate broker requirements are dependent from state to state. States have a distinct law regarding mortgages. If you want to be a broker agent, you have to first look for the requirements given by the state you are in. However, there are common requirements that states have. First is that you have to be at a legal age which at least 18 years old. Second, you should have an honest reputation with no criminal record. If you have these requirements, you can proceed further.

Before you can get you can qualify for the licensure exam, you must first fulfill certain course requirements. States impose a bare minimum completion of a real estate course. These courses are usually offered in a real estate school. The courses offered range from the legal aspects of real estate to the better practice. There are also dynamic trainings that would equip you with the best skills in the business. You will also have to learn the legal aspects of agent-client relationships. These are necessary to protect the interest of the clients who are the principal actors of the broker market. Without having to protect them, the market may crash and it may lose the confidence of many.

After all of the requirements above are complied with, you will now have to take the licensure exam given by the state. This is the final broker requirement that you have to comply. Usually, if you have complied with the preparatory requirements, you will easily pass the exam. The exam covers important legal aspects of real estate which include the rules and regulations imposed by the state. Other topics include the fiduciary relationship between the agent/broker and his client. Best way to pass this if you take special classes in a real school. This is a measure from the state that ensures that the people in the market can be trusted by its citizens.

The benefits that await you can overshadow the difficulty of complying with the broker requirements. There is an advantage in knowing these requirements in advance because you will be able to prepare for it well. However, there is no better way to comply with all of these if you have passion and determination for the job. You can start by searching for your state's broker requirements and finding the best real estate school where you can train.

The REAL Real Estate Perspective

Today's news really gives us mixed signals about the real estate market. Some say real estate is flourishing and some say that it continues decline. The fact of the matter is that there are quite a few angles from which you can view the real estate market. It isn't simply prices and loan rates, as most people like to report. It's much deeper than that.

One important angle, and the focus of this article, is that real estate ought to be looked at through a regional perspective. Even in a city, each neighborhood has its own characteristics. Some neighborhoods have families that have lived in their homes for more than 20 years, other neighborhoods have homes that are owned by investors, others have young families just moving in... you get the picture. Because each neighborhood is so diverse, the general outlook of the city's perspective may not do justice to the individual gems that are hidden within it. Not all neighborhoods have foreclosures or short sales, or other transactions that could reduce the property value of the neighborhood. A little bit of research, or the help from your real estate agent, can help you determine the state of your neighborhood, or a neighborhood into which you would like to move.

Shifting one's perspective on the regional market outlook can make a huge change in how one perceives the market, as a whole. Keep in mind that despite all that doom and gloom that we are hearing about real estate, transactions continue to occur. First time home buyers are taking advantage of home and loan pricing, and open houses continue to grab the attention of many prospective buyers; from investors to homeowners to home upgraders. People are upgrading from smaller homes to larger homes. By that same token, some folks are moving from larger homes to smaller homes, as they age and look for more simplicity.

There are plenty of reasons that people buy or sell a home. Despite the market, these reasons still exist, and dreams of home ownership continue to be fulfilled. What we hear quite a bit of in the media is how housing starts are low and how people are losing their homes, and the media is coinciding home losses with the lack of home sales. Economically speaking, when a homeowner loses the home, that is one less home that needs to be built, right? So, if many people are losing their homes, then it follows that there is no need to build more homes, as the inventory is still full. That does not, however, mean that home sales have stopped. Make no mistake about it. In some areas of the United States, real estate is going strong. Admittedly, in other areas of the United States, real estate is not doing too well. Again, this goes back to a regional perspective of real estate.

Another aspect that the media focuses on is pricing, and that will be the subject matter of our next article.

Why Are Sales Picking Up in Easton Addition Real Estate?

Over the decades, Burlingame real estate is among the few that has carried on its timeless elegance and gracious charm. Burlingame real estates' two main shopping areas, Burlingame Avenue and Broadway, are a favorite among families and attract a wide variety of consumers. Burlingame is an excellent neighborhood where one can choose to start a family or retire later in life.

One of the neighborhoods in Burlingame real estate is Easton Addition. There have been 10 homes sold in this area for the month if November this year. It has been the second time for Easton Addition to have double digit sales in a single month for the four years that had passed. As the winter months approach, the selling activity in Easton Addition normally goes down and this is why the double digit sales that took place was beyond normal. The home sales have been picking up in the last six months succeeding a slow start to the year.

Fifty-five homes have been sold in Easton Addition through the first 11 months of this year - slightly low as compared to 59 homes that have been sold at the same period in 2010.

By the end of November this year, there were seven homes for sale in the Burlingame real estate area of Easton Addition. The sales activity in the area has been affected by a lack of available inventory. At the end of every month this year, the average number of homes for sale has been 11 homes and no more than 13 homes at any same time. The average number of homes for sale at the end of each month last year was 16 homes. At the end of each month for the first six months of the year, there have been 17 unsold homes. Fewer inventories indicate that there is less competition among sellers and better chance to attract prospect buyers.

The price levels remain steady in Easton Addition and this is attributed to the neighborhood's reputation of being one of the more expensive areas of Burlingame real estate.

The average home being sold in Easton Estate is 2,400 square feet, as compared to the average 2,100 square feet home being sold in the entire Burlingame real estate. For the price per square foot, the average in Easton Addition is around $640 while $600 is the average for the entire Burlingame real estate. The average and median selling prices, with larger homes and higher prices per square foot, are about $300,000 higher in Easton Addition as compared again to the entire Burlingame area.

How to Earn From REO Properties?

Selling properties is difficult nowadays. There are a lot of sellers in the market and there are very few buyers. Finding a decent offer is tough and negotiating with the buyers is tougher. This is probably the worst market for real estate agents. However, there is a market that is yet to be exploited. The recent down turn in the real estate industry lead to a boom in real estate owned properties or REO.

Many borrowers have lost their properties to foreclosure. Because of this, banks and other lending institutions have record high inventories of foreclosed properties. This is a good thing if they are profiting from these properties. But unfortunately, these are idle resources. In fact, the lenders incur additional expenses because of their maintenance. They need to sell these properties to generate income. This is where the real estate agents come in.

Real estate agents can take advantage of the lenders' needs. There are various ways to earn. There are REO foreclosure blog that offers help by providing steps you can follow. You can also check out the detailed process and helpful guide found in the book, REO Boom. The information in this book will aid you in maximizing the full earning potential of an REO agent. It gives details on how to become an REO listing agent, the key in ensuring that you profit from REO.

What does the REO Boom offer?

The book offers a complete guide for real estate agents to maximize earnings from the bank owned properties. It presents a guide on how you can penetrate the REO market. It also gives you secrets and important tips in making sure that you earn from REO once you have entered the market.

REOs are expected to rise for the next couple of years. This would also entail growth in the REO market. Banks will need more help and they need competent agents to address their needs. The book will help you become the agent that the lenders would want to hire. Unlike online information such as how to list REO blog, the book will educate you with what the lenders require. It will also present your roles and responsibilities to ensure that you address the needs of the lenders.

The book is for the rookies and seasoned agents alike. The young guns will definitely learn a lot from the book while seasoned agents will have reliable reference as to how they can improve their earnings.

How to make money in REO?

The lender will need you to prepare Broker Price Opinion or BPO. A BPO is a report done by the agent to determine the value of the REO property. If you are an expert in determining accurate property values, then lenders will definitely want to have you on board. Note that each BPO you make is paid. This may not make you a millionaire right away, but this is a great start in the REO market.

Another earning machine in REO is the property preservation. In order for it to sell and fetch a decent offer, the property has to be presentable. Promising earnings await agents who are well versed in the up keep of the properties.

Many online blogs like the Dsnews REO blog and the Realty Trac REO blog will give helpful information about how you can greatly earn from REO properties. But if you want the complete package, get yourself a copy of the REO Boom.

The Pros of Using Middlemen

There are many occasions in life where we use companies and people that can be termed 'middlemen' and yet they are often viewed with suspicion and distaste. Examples include estate agents, solicitors, debt management companies and the like.

The reason they are viewed with suspicion is simply down to the fact that they charge a fee and, for the most part, have reputations for being less than ethical in some cases. And yet many of us use them anyway, almost be default, despite the fact that many of the tasks we ask them to carry out can be done ourselves.

By looking for and buying a property without the use of an estate agent, for example, we could avoid the 1-2% fee the agents usually charge. By carrying out our own conveyancing on a property purchase we could avoid the few hundred pounds solicitors apply. And by contacting our own creditors, arranging reduced payment terms and paying directly we can avoid the 25% and upwards most debt management companies add when they handle it for you.

All that is perfectly true, but there are advantages to using these 'middlemen', advantages that can mean the cost is very much worthwhile.

Firstly, it is a huge time saver. It can not only be time consuming to carry out these tasks ourselves, but even finding out who to speak to in the first place can be laborious and difficult. Employing a 'middleman' to do it for us frees up a lot of time which we can use to focus on the end result of our actions.

Secondly, expertise - whether you agree with the costs or not, these 'middlemen', including estate and letting agents, solicitors and the rest, are experts in their field. They have the contacts, knowledge and experience at their fingertips to make whatever you are trying to achieve, be it a property purchase or whatever, to make it a much smoother (and faster) experience.

That alone justifies the costs involved.

Finally, troubleshooting. Let's say you are buying a house and there is a legal complication over planning permission on an extension. Would you know how to get it resolved? Would you even know who to talk to about whether or not a permit for the extension exists? Would you know how to obtain evidence or check that a permit is genuine and valid?

Probably not, but a solicitor and / or estate agent would. Again, their expertise is vital and could mean the difference between a successful purchase of a good quality property or a failed purchase or, worse, the purchase of a property that could end up costing you all the money you saved going it alone through some dodgy papers!

Middlemen like estate agents and letting agents, solicitors and the rest have a bad reputation because of a handful of unscrupulous practitioners but the majority are on hand to help you out with their knowledge and save you time. And of course they charge a few for this - but in many cases it's a few worth paying.

Solving the Housing Problem

The solution to the housing problem is very simple. Get people back to work.

Once families are making money again there will be family formations and new homes will be one of their high priorities.

Today they are trying to solve the problem by lowering interest rates. Interest rates at zero will not solve it. Unless people are back to work with steady incomes there cannot be a demand for new homes.

We have narrowed it to lack of jobs. There has been more than a little discussion about jobs, but that is all. TALK. And that isn't getting it done.

So how do you get more jobs? Of course there has to be demand for whatever product the business is selling whether it is a brick and mortar manufacturing company or a service provider. We are back to step one.

Look a step beyond. Each day there are more people in the world. Births continue. We are now crowding 7 billion on the planet. Not all of them have a computer and cell phone yet and many do not have enough food and shelter. Demand is there for many products.

Businesses want to provide for them. Every time a new regulation is created by a central government (ours isn't the only one that does it) it puts a new obstacle in the path of job creation. Every regulation makes it more expensive to start a new company, expand one that is now in existence or price their product off the market. Many prohibit new ideas. Some brilliant Dilbert-type in a home office who has no idea about business operations comes up with an idea on how to make a product "safer" or "more environmentally friendly."

A lizard, moth or squirrel must be "protected". No one thinks of the unintended consequences. The single death of a child in a crib caused a $7,000,000 reworking of an industry. All costs must be passed along to the consumer.

No proof is required to stop an entire industry. Pseudo science is accepted as fact. All we need now is one ridicules complaint to bring a project to a halt.

You cannot create new jobs when new businesses are not allowed to form or being restricted by multitudes of new regulations so that formation is abandoned before it begins.

Yes, we are talking about the housing problem. You can't build and sell a new house unless there is some one with a steady income to buy it. You can't have a person with a steady income unless there is a business to hire him. You can't have a business that creates jobs unless they are able to operate in a reasonable fashion without undo regulations. All this means profit to the company. And finally the business must be allowed to make a reasonable profit and that means lower taxes so excess cash may be re-invested in growth. That means more hiring.

And where does all that start?

With the politicians!

Therefore the housing problem is a political problem. That is the bottleneck. Everything stops and starts there. We need smarter politicians.

You won't like this. We need smarter voters. And that is YOU. What are you going to do about it?

What Is Property Preservation?

Property preservation is the process of rehabilitating a damaged, abandoned, foreclosed property to get it back into marketable condition. It thus involves safeguarding, protecting, and doing necessary repairs to get it back in good condition. The rise of the real estate owned properties combined with a struggling economy has created a surplus of vacant and abandoned houses. These houses are left in poor, unmaintained and even unmarketable conditions. The rise of these decaying houses has led to the growth of preservation services.

Some of the Services Offered by Property Preservation Companies Include:

1. Securing the Property - One of the most essential methods in preserving the property is security. It is therefore the companies' job to change the door locks according to the lenders orders or according to safety regulations. Aside from locks in the door, securing the property includes changing padlocks, lock boxes, and board ups to secure the overall dimensions of the house. If the house as a swimming pool, the area is also secured according to strict protocol.

2. Cleaning the House - Property preservation also means cleaning all the mess that was left in the house. Some of the mess that are usually present in foreclosed houses include:
o Dead Animals or Plants Personal Items
o Debris o Hazardous material(s)
o Unused Machinery

These are just some of the things that need to be removed. Virtually anything is cleaned from the house to ensure that it gets back into marketable shape.

3. Winterization - Winterization involves modifying the house to prepare it for winter. The process involves keeping pipes dry from water to prevent it from freezing. Thus pipes are thoroughly drained and sealed to avoid it from bursting up.

4. Lawn Maintenance - The property's lawn will constantly be maintained depending on the rate established by the client. Usually, lawn services are done once or twice a month to ensure that the house lawn will still look attractive.

5. Janitorial/Sales Clean - The house will also require some thorough janitorial cleaning. Parts of the house that require this cleaning attention are bedrooms and bathrooms. They are carefully sanitized according to the rules and regulations of property preservation. Some of the janitorial cleaning would include vacuuming, mopping, brushing, and sweeping.

6. Snow Removal - Aside from winterization, snow removal is also offered by property preservation businesses. This is evident that the industry offers whole year-long property protection and rehabilitation.

7. Photographs - Before doing the mentioned services above, properties must thoroughly be photographed so the client will know what kind of services the property requires based on its present condition. Photos after the services are done will also be sent to the client.

Those where some of the services involved in the business of property preservation. Depending on the needs of the property or request of your client, your work order can include any of the services mentioned above. You need to have the right materials and personnel in order to deliver quality maintenance and preservation services to your clients.

Homeowners Association Websites for Large Communities

No one loves to stay aloof and this is the basis of formation of any community. While living in a community, people get to know about different kinds of people, make friends and live happily together. It is always a good way to spend life by sharing and caring.

In America, community living is very common and they provide good service to their residents. The common facilities people get while living in a community may be all time medical help, transportation, door to door supply of things and so and so forth. But, what some communities have specially done for their residents is that they have opened up website services for the residents of those particular community and those websites came to be known as homeowner association websites.

This website is made especially for the homeowners of particular community. It started with a few of the groups but now each and every community housing in America owns their particular webpage. In these homeowner association websites, there are not only particulars about the people of those communities, but a lot of information regarding the community itself. Checking the information from the particular websites, many people get interested in the communities and join in their group; this is how a community grows. Even there are scopes of interaction among people of different communities. So, what if two people are staying away from each other in different groups, they can always keep in touch through these sites. Now there are different companies offering services of creating such websites. They have provision of managing such web pages and create webpage according to their customers will.

These service providers are very professional and they follow different categories while creating websites and giving services. The way the website would be depend on the number of community members. There is another good thing that the website servicing firms provide. They have service line steps that they publish over the internet. Any community head can follow those rules and create their own community page without much cost or effort of consulting in a firm. But, if anyone wants for perfection and uniqueness, there is no option other than to use the specialized packages offered by the firms. Each package has a specific criteria and a specialty that they follow and accordingly the community head can choose among which is suitable for him. These websites are useful for people outside the community also as there are different types of information available on these sites.

If you are looking for hoa websites, here we provide quality services. Easily manage your homeowner community on-line with our easy and powerful tools. For more details about.

Camps Bay Property for a Sophisticated Lifestyle

Camps Bay is one of the most popular tourist destinations of the world and for good reason. It boasts a multitude of palm trees on the beachfront, white sandy beaches, clean blue sea and impressive mountains in the backdrop. The suburb is situated between the famous Clifton and the sumptuous Bakoven and it offers some of the most sought-after real estate in Cape Town. Camps Bay properties are nestled on the slopes of Lions Head, Table Mountain and Twelve Apostles and they descend to an easy access white beach. They enjoy magnificent views in any direction, from the mountain and the sea and thus, they are upmarket real estate suitable for people who can afford an extravagant lifestyle.

People who own a Camps Bay property usually form an elite group of homeowners because in this area the real estate is really expensive. The area is also famous among tourists and foreign investors alike because it is considered one of the most spectacular spots on earth. It is the perfect location for singles, couple and retirees alike and it can cater all their needs and requirements, providing every expected convenience. It is recognized mainly as an exclusive residential area where you can find large villas which are built to the highest standard of architecture. Home buyers who do not need a large space have the possibility to choose from a variety of Camps Bay properties which encompasses bungalows, guesthouses and magnificent apartments. Property buyers are equally interested in houses situated higher up on the slopes and down in the valley because they all enjoy astonish mountains and sea views. Yet, during the high season, they all prefer a Camps Bay property situated high on the slopes in order to escape the hustle and bustle of the suburb.

The suburb witnessed an extraordinary development over the last years and nowadays it is widely recognized as one of the most picturesque and expensive locations of the world which draws the attention of an increased number of people who are eager to invest in a comfortable lifestyle. A Camps Bay property is definitely something that you have to choose carefully, not only due to its high price but rather because here you can find your dream house from a wide selection of properties, most of them with large gardens, pools and barbecue areas.

The suburb is home for more than 5500 families which have easy access to many reputable schools, trustworthy medical services, various entertainment and sporting facilities. Here you can find some of the most prestigious Camps Bay properties but the main attraction remains the beauty of its white sandy beaches where both tourists and residents can swim or tan under the blue sky, they can take a walk or they can enjoy the variety of restaurants and cafes which line the trendy beachfront. There are pleasant entertainment options and plenty of shopping opportunities. The suburb along with each Camps Bay property has everything in terms of comfort, entertainment and recreation and there is no doubt that the real estate market is on an upward trend and this situation will not change anytime soon.

The best Fun Beds for your Kids Rooms

Depending on the age of your children, providing fun beds for their room may actually help them decide to stay in their bed for the night. There are a wide range of beds that can make kids feel as if this is their own personal space. From loft beds to car beds for toddlers, there are so many from which to choose, you will surely find one that your kids will think is fun.



The loft bed can not only be fun for kids, it can be a place to keep things in order. The space underneath can be used for dressers, desks for doing homework and a spot for playing video games or watching television. There are a number of these types of beds that will allow your kids to have their own space. From loft beds with slides to castles, the right one can be found for your daughter or son.



Bunk beds can provide a fun space for your kids. The bunk over bunk type or an L-shaped bunk bed will allow each child to have a space they can call their own. Some have under bed storage where clothing, games and toys can be kept. Bunk beds with full size beds on the bottom and a twin bed on top are another type. The beds can be made from metal or wood. There are even futon bunk beds that will provide a place to sit.
Little girls love canopy beds and there are a variety on offer in all their favourite colours. The bed will make them feel like a princess. These types of beds can provide kids with a room they will love and may even keep tidier. Trundle beds are another option for kids. This type has a bed that can be rolled underneath another one when it is not in use. This provides a place for friends who sleep over and can be a good solution for those who are short on space.



Daybeds are another type that kids like. They do not take up much space either and they are much more fun than just a plain twin bed. Providing seating when not being used as a bed, this is a type of bed that many girls like for their room. Captains beds are a good choice as well.



No matter what type of bed you decide on for your children's room, it is a good idea to buy the matching items such as chests and dressers. The space will be needed for storage for all the many things that kids collect. The addition of all the accessories will make your kids room more fun as well. For a girl's room add a vanity and you will have one happy little girl. She will have a space that feels as though it is entirely her own and as she grows the items can be updated to better suit an older child. Add her favourite bedding to the new bedroom and you will be pleased with the affect and so will your child.

The Essential Services Of The Real Estate Title Insurance Company

Veteran home-buyers are familiar with real estate title companies and the role they play in every real estate transaction, but inexperienced home-buyers may wonder what, exactly, is the role of the title company.

The Real Estate Title Company: Facilitator and Investigator

Real estate title companies fill the important role of facilitating a successful closing on real estate property. Sometimes referred to as title insurance agencies, these companies oversee the transfer of interests, ownership and funds during a real estate closing. They may also serve as the escrow agent, holding the buyer's escrow payment until the closing is complete. It is not unusual for the actual closing to take place at the title agency office since it represents neutral ground for all parties involved in the transaction.

Besides facilitating, one of the most important functions of a title agency is to conduct a detailed search of the public record before the property is closed on. This is referred to as a title search or title examination and it is done to verify that the property is legally available for sale with no liens, encumbrances, easements or judgments against it.

In addition to conducting the title exam, real estate title companies can provide buyers with title insurance. Title insurance is an indemnity insurance policy that protects the new homeowner and the mortgage lender from unforeseen claims against the property due to activities that occurred prior to their taking ownership of the property. Two policies are typically issued: a Lender's Policy to protect the mortgage lender and an Owner's Policy to protect the buyer. The insurance protects the new owner and the lender from financial loss and provides for payment of legal costs due to claims that arise as a result of title problems. Title insurance policies are a one-time only purchase that is paid for at the closing.

Safeguarding Everyone's Interests

Real estate title companies are impartial service providers to everyone involved in the transaction. From realtors and buyers to sellers and mortgage lenders, the title company does not have a personal interest in the property. This impartiality ensures that a legitimate title search is conducted and that each party involved in the transaction receives the same treatment.

A title agent's job is to ensure that all paperwork is in order, that the people involved are who they say they are and that no money changes hands until all of the necessary documents and paperwork have been signed. This safeguards everyone's interest in the property. The buyer and lender have the assurance that they are purchasing a clean title and that the escrow funds do not get paid out until the property is closed on and the seller has the guarantee that the buyer is committed to the property purchase.

It's not unusual for title insurance agencies to employ notary publics and offer notarization services. By providing notary services, title agencies can serve as an all-in-one resource for real estate transactions. By offering notary and escrow services, which require by law impartiality by the service provider, the title agency is further defining itself as a trustworthy place to do business.

Real estate title companies play an important role in real estate transactions. From performing title exams and handling escrow funds to providing title insurance and notary services.

Are You Aware Of Real Estate Loans?

There is no denying the fact that opting for a loan with regard to home buying can be a tricky task. Fact of the matter is that you need to take into consideration so many factors when selecting a right kind of real estate loan package. It includes things such as fixed rates, APR, ARMs and so on. With a little bit of knowledge regarding all this, you can increase your chances of getting the best loan that will suit your budget to the fullest.

Talking about a real estate loan, it can be termed as a lien that you are provided with on the basis of a real estate piece. It is worthwhile pointing out that your financial institution will pay for the property buying and on your part, you need to pay the loan amount back in a stipulated time frame with interest rates attached with it.

You will find that there is quite a bit of variation in the duration of the real estate loan. In some cases, loan duration will be just five years. On the other hand, sometimes it can be ten years or more. You need to be very careful regarding the interest rates because it impacts your monthly installments. If your monthly source of income is not that high, it can be really frustrating repaying the loan amount.

If you have made up your mind that you are interested in a real estate loan, you need to decide on the loan package well in advance. If experts are to be believed, majority of individuals prefer to go the route of fixed rate loans. The main advantage of this loan package is whatever be the market situation, your monthly installments will remain constant. With rate of interest being set at the time of you signing the contract, this type of real estate loan package is ideally suited for individuals whose monthly source of income is limited and there is no scope of improvement in the future.

On the other side of the coin, there is a package called adjustable rate real estate loan. As you can pretty much gather from the name itself, your rate of interest is going to be adjusted on a periodical basis. Sometimes, it can prove beneficial for you but in few cases, it can create lots of headache for you especially when the market is in panic mode. You need to be very careful when opting for this loan package.

Luxury Real Estate Investment Remains The Best Option

Looking for a safe place to invest your savings? Then maybe you should think about luxury real estate investment. You've seen the headlines. Luxury homes selling for record-breaking prices. Luxury property values appreciating even while other properties remain unsold. The fact is, that even given the current poor economic climate, luxury home investment remains a lucrative option for anyone looking to make money with their savings. Now why is that?

One of the main reasons is that luxury property markets benefit from insulation from problems affecting other markets. While a poor economy might stifle other sectors of realty, these problems do not affect the wealthy in the same way. Another reason is that foreign investment is a big factor in luxury property, as the US remains one of the most desirable countries in the world in which to own a second home, thanks to its quality of life and education services, amongst others. The result is that foreign investment often helps to keep luxury real estate markets in good shape, even if the other markets are struggling.

So how can you prosper in luxury real estate investment? A real estate consultant will tell you that while there's no strict formula you can follow to make certain your investments pay off, there are some basic rules to follow that will give you a very big chance of success.

Firstly, you need to understand the meaning of luxury on a personal level. You need to recognize the kinds of luxury homes that are going to appeal to buyers. For various reasons, the media often define luxury homes as any property that costs over $1 million, but this is just simplifying things. Luxury could mean a desirable neighborhood, ease of access to popular destinations, or those little extras such as a Jacuzzi, a tennis court or a trophy room. To be an educated buyer, you need to learn to identify the things people want.

When we buy homes, especially luxury homes, we need to be hands on in their real estate transactions, so they can increase their flexibility and the speed of their purchases when buying luxury property. In many cases with luxury real estate, it's necessary for buyers to move quickly, or strike while the iron is hot, so to speak. This is because luxury homes attract big spenders with lots of disposable cash, or at least the ability to easily borrow the money they need. Luxury property is also advertised nationwide rather than just locally, so it nearly always attracts much more interest.

Also, it pays to keep an open mind about luxury real estate investment. It used to be that, when some mentioned luxury real estate, people would immediately think of the east coast or the west coast. Not anymore. Nowadays, there are areas in many states that are considered to be highly desirable, providing many more opportunities for investors like you. Learn what makes a desirable location, and realize that these are often found in the most unexpected of places.

Lastly, don't forget to seek expert help when considering real estate investment. A reputable real estate consultant understands what is desirable and what isn't, and can help you to avoid the numerous pitfalls involved.

17 Tips For Preparing Your House For A Quick Sale

Before your house is shown to a prospective buyer you need to be ready. This is very important, and certainly difficult if you have young children. Keeping your home ready to show at all times and whenever your Realtor or showing service calls, is mandatory.

Practice these other tips and you will be way ahead of most other sellers in your area...

You should also be easy to reach: If you want to be notified about a showing, stay in close touch with your Realtor or the showing service.

Be flexible on the timing: When you receive a call from a Realtor for a showing, keep in mind that he/she is showing lots of homes, and it is difficult to set precise times.

Coordinate with your family: Showings can be stressful on day-to-day family life. Review these guidelines with your family members and enlist their help in keeping the property ready for showings.

First impressions: First impressions are important! Make sure that your lawn is cut, the landscaping neat and green. Sweep the walkway and entrance to your home. Remove all clutter.

Secure Pets: Make sure that your pets are secured where neither they nor your visitors will pose any danger or bother to the other. Eliminate any lingering pet odors with fresheners, clean any "poops" that may be in the yard, and ensure that litter boxes are cleared away.

Clean Your Kitchen: Kitchens should be absolutely spotless. Run a lemon through the garbage disposal for a fresh smell. Remove magnets and pictures from the refrigerator door. Clear off all counters and tabletops. Cabinets, drawers and pantries should all be neatly organized.

Clean Your Bathrooms: Bathrooms should be clean, the toilet seat down and there should be no personal items in view. Set out fresh "show towels" in bathrooms.

Clean Your Bedrooms: Make beds, empty trash cans, sweep or vacuum floors. Store all clothing items.

Sound: Turn off televisions, and put soft music on the stereo.

Clutter: Pick up tools and toys; put extra garbage cans in garage.

Lighting: Turn on all lights. Open shades and curtains.

Cars: Park cars on street or around corner. Close garage door.

Smells: Give the house a pleasant aroma - freshly baked bread or cookies or a citrus room freshener.

Temperature Control: Set thermostat at a comfortable temperature or, it it's a pleasant day, leave the windows open.

Fireplace: Clean out the fireplace and dispose of ashes. Put in fresh logs.

Pool and Patios: Keep pools well chlorinated and absolutely spotless inside and out. Arrange pool and/or patio furniture neatly.

And...

Make yourself scarce! Do not be present for the showing. Instead, sit outside your home or run an errand. When you are there, buyers often feel awkward as if they are intruding.

If you put these house selling tips into action, you find Agent from other companies showing your home over and over.

What One Needs To Know About Getting The Best Houses For Sale Deals

Choosing among the houses for sale could be a confusing task especially for a first timer. Not only because of the varied choices one might have but also they might be doubting his decision considering such transaction is rather a big investment. What one might fail to realize that a competent real estate agent is what he truly needs.

In the states nowadays, a lot of foreclosure has been happening due to some bad financial situations. To be able to avoid such predicament, one is advised to come up with the right decision and what better way to do that rather than having a professional that is able to assist one his making decisions that will have to go with the correct consideration.

Real estate agents are the best person one could come up to with transactions such as this. These professionals have the right skills and training and most of all education to help one along this process. House investment is a big transaction that greatly calls for their skill and assistance. They will be able to provide their clients the proper professional skill that laymen wont just have.

A real estate agent's role is simple, they will assist one in looking for a house that still has of great value and probably get that house with the most reasonable price. They can make such transaction less stressful and daunting for their clients, saving lots of time and effort that will greatly be worth the commission one is about to pay.

When one is on the market for a new home, an agent will be able to find home that are of one's preference and budget. They are the ones who could give the most proper and accurate information as to how much such house is worth to the market today, thus identifying those that are just way too much and those that are the most reasonable.

Considering the importance of such transaction, one is advised to find the most appropriate agent. For starters make sure to look for a buyer agent, meaning those that have practiced their skill in buying homes available in the market. Ask the agent about his experience and most importantly his successful tracking record.

Find out what services such agent is willing to provide. A competent agent are those that are able to make a property value study apart from local schools, traffic scene and crime rates on one's chosen location and house. A good agent are those that are able to help their clients find the correct home and home loan depending on their financial situation.

To be in this tough economy, real estate agents are getting more and more important as they are the ones who could possibly give expert opinions in such transaction. They are the ones who could effectively determine the value of the house and properly determine if such price is indeed suitable for such market value.

To be able to have the most appropriate decision and favorable deal when purchasing any of those houses for sale, it is greatly recommended for to have some professional help through a most reputable real estate agent. They can really make a great difference to such transactions not to mention help one get the best deals.

Miss Peru: 24 participantes, Villa Rica pte!

Las candidatas al Miss Perú 2011 fueron presentadas en la Fortaleza del Real Felipe en el Callao. Un ramillete de 24 bellas chicas de distintas zonas del país deleitaron al público con su belleza luciendo sensuales trajes de baño sobre la pasarela.

Estas aspirantes desfilaron frente a una audiencia y jurado compuestos por algunas ex reinas de belleza peruanas como María Julia Mantilla, Olga Zumarán, Silvia Cornejo, Giuliana Zavellos y Alejandra Liao.

Cabe recordar que en esta ocasión, la organización a cargo del concurso incluyó a una representante de la comunidad peruana en Estados Unidos y a otra de la localidad de Villa Rica.

Finalmente, la noche principal de elección del Miss Perú 2011, donde se elegirá a las bellezas que representarán a nuestro país en el Miss Universo y Miss Mundo, se llevará a cabo el día sábado 25 de junio en la Fortaleza del Real Felipe, en el Callao.

LISTA OFICIAL DE LAS CANDIDATAS AL MISS PERU 2011

1. Giselle Patrón, Miss Amazonas
2. Carmen Vizcarra, Miss Apurímac
3. Adriana Conde, Miss Arequipa
4. Jessenia Espinoza, Miss Ayacucho
5. Mayra Farje, Miss Callao
6. Roxana Díaz, Miss Cajamarca
7. Miluska Huaroto, Miss Cuzco
8. Cindy Mejia, Miss Ciudad de Lima
9. Wendy Llanos, Miss Huancavelica
10. Kenia Brack, Miss Huánuco
11. Odilia García, Miss Junín
12. Giselle Reyes, Miss La Libertad
13. Luciana Onetti, Miss Lambayeque
14. Grace Mejia, Miss Lima
15. Nicole Faveron, Miss Loreto
16. Tamara Zapata, Miss Moquegua
17. Della Rivera, Miss Pasco
18. Carla Gutiérrez, Miss Piura
19. Sofía Cornejo, Miss San Martín
20. Sherina Ruiz, Miss Tacna
21. Estefany Bueno, Miss Trujillo
22. Lía Lemor, Miss Tumbes
23. Natalie Vertiz, Miss USA Perú
24. Katty Villayzan, Miss Villa Rica

Aclarando las Gestiones ante la Región Pasco

¿Cómo Lograr cosas Importantes?

El estudio de factibilidad Integral de agua y desagüe fue firmado en el mes de Febrero del 2006 con el Consultor Ing. Víctor Benavente y La Región Pasco, dentro de sus cláusulas se estipulaba sobre la forma de pago era en etapas: 30% al inicio del estudio, 40% a la entrega del expediente con el V ºBº de los encargados de estudios de la región y el 40% a la aprobación del expediente.
Habían transcurrido más de 18 mes y el estudio de factibilidad no era aprobado y con el riesgo que se puede perder el Soc. De inversiones que actualmente el gobierno central esta apoyando con el programa agua para todos.

La EPSSCSA a través de la gerencia realizaba las llamadas telefónicas a Pasco y siempre tenían una excusa, por ello en varias oportunidades el Gerente viajo a la región ,pero los resultados no eran alentadores, entonces la Gerencia comunica ala Alcalde de Villa Rica sobre lo que viene sucediendo con respecto al estudio y por ello deciden viajar a Pasco: el Gerente de la EPS, el Presidente del Directorio de la EPS, el Alcalde ,para reunirse con el Presidente de la Región, previo a esto se le invita al Sr. Ing. Benavente para que participe de la reunión, porque es el único que conoce sobre el estado del estudio, fue así que viajaron , pero el Consultor no asomo, entonces luego de la platica con el Presidente informo que el Sr. Benavente estaba incumpliendo con levantar las observaciones y por ello era el retraso, pero nos daban la esperanza que ya pronto sale y así transcurría los días.

Entonces decide contactarme con el Sr. Benavente, el cual me dio otra versión, que la región estaba incumpliendo, por ello decidí, coordinar con, el Alcalde y comentarle sobre el caso.

Es así que por cosas del azar me invitan telefónicamente Radio Felicidad, en donde se encontraba el Sr. Tiberio García y fue en ese momento que invite a las autoridades, especialmente a nuestro Alcalde para movilizarnos a Pasco y reclamar nuestros derechos, por el impase entre la Región y el Sr. Benavente, que solo perjudicadaza a los pobladores de Villa Rica. También manifesté que en vez de estar discrepando entre nosotros y buscando culpables era mejor unirnos y luchar por una causa común.

Posteriormente un grupo de ciudadanos y representantes de los Comités vecinales formaron un comité representado por un Delegado, cuya persona es el Sr. Chacón que días mas tarde nos reunimos en la oficina de la EPS y al día siguiente en la Municipalidad, en el cual se decidió viajar a Pasco un grupo numero de ciudadanos y Autoridades para el día martes 4 de Septiembre.

Ya en Pasco los mas de30 integrantes de la comitiva nos reunimos con el Presidente Regional y Funcionarios, luego de un amplio informe se formo una comisión integrado por 6 personas: El Alcalde de Villa Rica (ing. La Torre), EPS (INg. Fernández), Delegado de las Juntas vecinales (Sr. Chacon), de la OPI, Gerencia de Infraestructura y de Estudios de Pasco, para conversar con el Sr., Benavente., logrando comunicarse y fijando para el día martes 11 de Septiembre la reunión, Entonces llegado el día ocurrió el milagro por fue por primera vez que se podía reunir el Consultor Benavente, firmando un acta de compromiso para levantar las observaciones.

¿Cuánto hace luchar por una causa a favor de todos? En vez de discutir entre nosotros y buscar culpables.

El resultado muy pronto se vera en la primera semana de Octubre

Ing. Remigio Fernández Arellano
chicos bellos

Alaraco es Alaraco...

Aprendernos a soportar una raya más a nuestro pelaje de tigre que se diferencia de los otorongos porque no nos encandila la palabrería de los figuretis. Y con la agravante: pateando el pobre idioma y las elementales reglas del periodismo.

Siempre nos exponemos a encontrarnos con los Estrada, los Paredes, los Canchanyas, los Benítez o los Mencholas. O, con las autoridades que se dejan manipular por los perdedores en las elecciones municipales pasadas…TOMA MIENTRAS!!!!

Como es de conocimiento publico, nosotros vivimos del periodismo y siempre tratamos de crearle “punch” sin perder su orientación y/o formato.

Pretendemos desde esta tribuna animar a las organizaciones de clase y prosapia para organizarse en torno a una meta mas justa, solidaria y comprometida que reivindique a los mas desprotegidos, nunca a los imbèciles que se lamentan de ser peruanos,.. Sino a los que no reciben los beneficios de un Estado que se pudre en soles, dólares y minerales, y no lo invierte so pretexto de la negligencia de los presidentes regionales… en especial de Ancash y Puno que se pasan de TOZUDOS

JUNIN Y PASCO

Cierto entre HUAROC y RIVERA hay un abismo de inteligencia y capacidad, Huaroc es el Presidente de la ASAMBLEA de Presidentes Regionales, Rivera ni siquiera llega a vocal., Huaroc tiene un Representante en la Selva Central (Chanchamayo y Satipo), Rivera no ata ni desata, ni siquiera tiene una oficina de Imagen “Funcional” en nuestra Provincia.

Del café de taza mas fino solo mira la etiqueta… NO LE PREOCUPA NADA, ni tiene técnicos que asesoren a nuestra municipalidad para que los presupuestos participativos sean elaborados con las exigencias que la ley señala…CLARO, hay un comentario aparte sobre la actuación de quienes, a nombre de Villa Rica sostuvieron un encontrón poco constructivo con el mencionado Presidente a quien, nuestro pueblo, sólo le dio 97 votos...en el colmo de la ignorancia del corresponsal de EL REGIONAL asegura que pretendemos pasarnos a la región Junín, donde seguiríamos siendo cola de león. Lo ideal y ya esta en camino, lo que pretendemos es la creación de la “REGION SELVA CENTRAL” Y PUNTOOOOO…

CADA UNO EN SU NIVEL.

LA PRENSA CHICHA

Con esta clase de prensa, llegamos al problema del PODER, dentro de una sociedad como la nuestra: Pluricultural, multilingual, pluriracial, independiente y democráticamente descentralizada…

Y de pronto aparecen pseudos líderes que pretenden introducirse dentro de otra clase de vecinos a la que no pertenecen ni pueden pertenecer por su misma condición socio- económico- cultural.-PROFESIONAL-No tan soberbia como la congresista lingüista que, es racista hasta el concho…del vinagre. Siempre es bueno guardar las distancias: juntos pero no revueltos,”¡ Ay curuju!”.

ACLAREMOS DEFINITIVAMENTE.

Jamás de los jamases trataremos de impedir que otras personas utilicen algún medio de comunicación para exponer sus ideas y compromisos de acuerdo a su nivel y capacidad, somos respetuosos de la Ley y la Constitución.

Empero, hay algunas personas que pretenden recibir alguna compensación por informar sobre sus funciones y eso si que es el colmo de la IMBECILIDAD, con el debido respeto a los que en realidad son jejejejejejej.

POR NUESTRO SISTEMA

Un sistema capitalino que nos venden a los provincianos de la Selva Central al que no podemos hacer conocer nuestra opinión sobre lo que nos dicen o afirman esas empresas noticiosas de Lima.

Nota: Decimos Empresas y no periodistas, no obstante que estos son incondicionales de aquellos… je, je, je.(algunos).

En otras palabras el Poder capitalista informa de acuerdo a sus intereses, toda la tecnología periodística que defendemos y su producción se pierden con los basurales o en los recolectores de aguas servidas que terminan infectando nuestros ríos…

Por lo mismo:

Lograr que nuestras clases en la Selva Central, y en toda la selva se complementen, sin necesidad de licuarlas a sabiendas que cada opinión es una opinión social. Necesitamos fomentar un periodismo REGIONAL. A l principio se marrará, pero con el tiempo comprenderán que es necesario lo que nos dice Andrea Torrico García, que ya es prácticamente una profesional en la materia.

Quisiéramos escuchar la opinión sincera de nuestras diferentes clases sociales y que normalmente se gesta en las sociedades libres como la nuestra.

Eso si:

Nosotros no vamos a comprar espacios radiales pues, viviríamos cuidando no colisionar con los intereses de los anunciantes.

RECAPITULANDO

Volvemos a trabajar con el estilo francés en periodismo escrito, cultivado por gente de nuestro nivel social, intelectual y “jodencial”.

Hoy ya nos apropiamos de un nuevo VOCABLO: “ESQUIRLA”.

En caso de discrepancia con nuestra manera de escribir lo que pensamos la rogamos su resuelta hostilidad”… ¡No nos lea!

“QUE SUERTE LA NUESTRA, TENGO PARA ABRIR EL APETITO Y NO PARA CERRARLO”
(VALLEJO)

Me he catalogado como el único periodista que miente sinceramente porque abundan los periodistas que se sienten la ultima coca cola del Desierto… ¿Dije periodistas? Bueno, errar es humano dijo un loro bajándose de un pato”

Este monumental laberinto de proporciones descomunales que es el Perú, encuentre en ese otro descomunal laberinto, que es la poesía de VALLEJO, en su mas genuina expresión, que a su vez encuentra en el PERÙ su mas original vertiente y cada una de ellas baila con su propio pañuelo.

¡CLARO HERMANOS HAY MUCHO QUE HACER! , PERO.-

¿Con quien empezamos?

¿Se habrá Invertido Todo?

¡Claro!, el alma tiene ilusiones como el pájaro tiene alas ESO LA SOSTIENE… y como el futuro tiene muchos nombres, aprendamos:

EL FUTURO PARA LOS DEBILES ES LO INALCANZABLE…

Para los temerosos: ES LO DESCONOCIDO

Para los valientes: ES LA OPORTUNIDAD..


POR LOS CAMINOS DE ORIENTE..

En las radios de Colombia se escucha mucho a JESUS CATIRE MORALES que decía:

Soy el puro sabanero
Hombre de soga y cuchillo
O sea:
“No me jodas María
María no me jodas

Yo tengo en mi casita
La que se llama ANABEL
Porque mitad es ANACONDA
Y la otra mitad “CASCABEL”

EL VENENO

En la Ley 29062, no se habla nada de privatizar, que si lo fuera hay Escuelas privadas que pagan muy bien a los educadores mejor capacitados.

Y si de control se trata, en la época de Velasco teníamos al COSECOM presidido por el Sargento B.G.C Alfredo Guimaray y nunca, ninguno de sus integrantes nos falto el respeto.

Sinceramente, dándole una lectura a la discutida ley, le vemos mucha similitud a la 19326 al igual que el Sistema Educativo de Colombia.

Aun mas según mi modesto entender, municipalizar no es “privatizar” – (ver el diccionario)

Eso si, nos consta que siempre existieron los profesores que en su momento se sintieron intocables, injuzgables.

Como en la época del “MAGISTER DIX” y lo mas lamentable, se autoproclaman socialistas, comunistoides, puca llactas, etc, etc, negando la autoridad del PROLETARIADO por sobre todas las instituciones del Estado; ¿Se olvidan de la VOZ DE DIOS?

En esta Ley, que “modifica” la Ley del Profesorado en lo referente a la CARRERA PÙBLICA MAGISTERIAL, no le encuentro ningún arancel a los fertilizantes, al trigo o al petróleo… je, je, je.

Algunos dicen que estarán junto al pueblo como el antiguo despotismo Ilustrado: “Todo por el pueblo pero sin el Pueblo”.

Olvidan que los padres de familia (“Juan Pueblo”) no quieren que sus hijos sean unos fracasados y salgan al extranjero a ser tratados como bestias de carga o peor… no quieren que sus hijos se conviertan en políticos o periodisteros.

Hoy ya no pueden refugiarse en el magisterio gracias a la Ley de carrera magisterial, la misma que ha sido vilipendiada por cerebros sin materia gris o embutidos con maldades que les sirvieron para vociferar falacias tan risibles como eso de PRIVATIZAR Y DESPIDOS MASIVOS para dar paso a Maestros Apristas… ¿Por qué no se ponen a releer y analizar la tan odiada LEY? ¿Tienen temor a la evaluación por los padres de familia?

SOLO PARA INTELIGENTES

Tanto la lengua como el habla se enriquecen mutuamente, el hablante realiza cambios a través del tiempo que se van fijando en el sistema tanto que muchas veces lo modifica.

La lengua tiene una estructura fija dentro de la cual se desenvuelven con mayor o menor libertad, el hablante según el matiz expresivo con el que se desea manifestar.

Hablar es exteriorizar por medio de la palabra, los fenómenos psíquicos de nuestro ser.
Pero, la ciencia del hablar no hay que buscarla en palabras aisladas, sino en su combinación y en la combinación de sus combinaciones.

En el lenguaje todo es combinación, la esencia del hablar no esta en las palabras solas, sino en su apropiada combinación y sistemática combinación de la lengua y habla.

“ESPIRITUS”

“FRANCISCO COMBO” Es un Movimiento Afro peruano para enfrentar el RACISMO ley 28867, que sanciona los hechos de perjuicios RACISTAS.

PRESIDE: Agustín HUERTAS MONTALBLIO.

El progreso tiene como base la contradicción.

DEONTOLOGÌA: Ciencia o tratado de los derechos y deberes.

TRANSNACIONALES

“En cuanto al capital nosotros podemos tener socios pero no patrones”, y el periodista Vignolo Maldonado complementa nuestra idea “Podemos compartir pero no ceder”, podemos abrir nuestros brazos a quienes vienen con buena fe a colaborar al desarrollo nacional, pero no podemos consentir una intromisión, camuflada tergiversando la generosa invitación que se haga.

Y redondea la idea: “Los medios de comunicación social tienen que ser muy claros y honestos respecto a esta delicada responsabilidad.

ALVARO URIBE PEREZ.- (55) Medellín, gobernará hasta 2010.- DICE SAMPER:
Se voto para premiar por el pasado, no para apostar para el porvenir.

Londoño dice: de Uribe puede decirse lo mismo que decíamos del matrimonio, la escuela y la democracia: que ninguno funciona, pero no hemos encontrado nada mejor para reemplazarlos.

ALGO MALO DEBE TENER EL TRABAJO O LOS RICOS YA LO HABRIAN ACAPARADO… (Cantinflas)

CIERTO: AHÍ ESTAN LOS BANQUEROS, CHILENOS, ESPAÑOLES Y PERUANOS.

GARCIA LORCA
El 18 de agosto de 1936, en un lugar entre ALFACAR y VIZMAR, claro fusilado por los fascistas franquistas su delito ser un GRAN POETA y defender la ESPINA de los fascistas.

ALFACAR esta en granada (España)
Federico salio de Madrid a granada, se alojo en casa de su amigo y también poeta Luís Rosales cuya familia era fascista.

Allí fue apresado y conducido a los calabozos del Gobierno civil y la noche del 18 de agosto del 36 fue fusilado.

Y no fue el único disparate que se cometieron en esos turbulentos años de luchas entre franquistas y republicanos, pero lo dejamos para otras ediciones cuando se priorice las letras hispánicas…POR AHORA JUGUEMOS CON LO NUESTRO…SI SALE BIEN, SI NO TAMBIEN…

¡ALARACO!

Héctor A. CASTILLO AYLLÓN
El Único Periodista que miente… Sinceramente

Estilo francés
Los medios de comunicación fueron la preocupación fueron la preocupación de cuatro estudiosos del periodismo.
Europeos:
PAUL LAZARSFELD.- Austriceo – sociólogo
RUT LEWIN – Vienes. Creador del “GATE KEEPER” (GATE = PUERTA, KEEPERS = GUARDIANES )
Consideres que el GATE - BEEPER, es la entidad que controla formal a través de algún medio, ella opera y elabora el proceso de comunicación, tanto en la emisión como en la RECEPCIÓN.
Diremos que KURT LEWIN identificó a los propietarios de los medios de comunicación como las GATEKEEPERS de la noticia.

RECUERDE: La comunicación necesita un EMISOR, un MEDIO que transmite el MENSAJE y un REEPTOR y obtiene de ESTE, una RESPUESTA; para cumplir con el círculo de la información fructífera.
Esa respuesta, puede darse por el mismo medio. Es mas el RECEPTOR debe dar a entender que ha comprendido BIEN EL MENSAJE.
En tanto: Para Kart LEWIN: el GATE KEEPERS o sea LAS EMPRESAS son los guardianes de la noticia.
Para Harold LESSWELL; las funciones genéricas de la comunicación humana son: VIGILANCIA – CORRELACIÓN Y TRANSMISIÓN CULTURAL-
Harol comprobó que estos juegos de la comunicación tienen mucha influencia en la política, pro eso hay que confiar en las verdaderas profesionales de la COMUNICACIÓN; “Puede ser la mas vil de las profesiones o la mas vil de las ocupaciones. (OTRA VEZ LA VACA AL TRIGO)
Laswell, agrega el peso de los comunicantes influyentes, se relaciona con factores propagandísticos se habla de: SIMBOLOGÍA POLÍTICA. Y el norteamericano CARL HOVLAND, quien estudio el cambio de conducta DE LAS MASAS, debido a la COMUNICACIÓN; sin duda, con estas consideraciones, CARL como psicólogo debió acceder al llamado del ejercito porque investigar sobre la función de la PERSUASIÓN entre el ejercito a causa de la prensa.
Este psicólogo construyo una retórica científica moderna y nos lego un programa de la comunicación para el cambio de ACTITUD del LECTOR.
GRACIAS A HOVLANDS, el periodismo se convirtió en ciencia…
La misma que nunca estará al alcance de algunos seudo periodistas con pergaminos universitarios. Esperamos una carta rectificatoria, por lo menos jejejejeje…

VISIÓN PASQUEÑA

Tras 19 años de existencia ya esta en el Nº 48 ¡que bien! Y diremos “SE SUFRE PERO SE APRENDE”, solo tenemos una queja, nos hicieron pato con la lluvia de obras del Gobierno regional y nos parece que aplican la mala técnica de publicar un titular y no decir nada: “destacan en Huancayo” –
Por lo demás, con los “Colegiados” mucho respeto, de enviarnos nuestra nota de protesta por s/. 333,015 para Oxapampa que ya se han gastado… y ni nos contaron… lo pero es que me ufanaba de una primicia y se habían invertido todo, o casi todo, je, je, je…
“LA BREVEDAD ES EL ALMA DE LA AGUDEZA”
(W SHAKESPEARE)

ORDEN EN EL COMERCIO

Con mucha pena comprobamos que Villa Rica esta invadida de comerciantes que no quieren acatar las ordenanzas municipales.
¡Como ha cambiado nuestra colectividad! ; ¡Ya no hay Villaricenses!
Y por el respeto que nos tenemos no publicamos las vergonzosas escenas de la agresión a la Fiscal de la Provincia…
La disculpa que ofreceríamos es que no son gente de VILLA RICA, tal como lo ha comprobado la misma autoridad que vino a garantizar el cumplimiento de las ordenanzas municipales ¿ESAS FOTOS?, ¡NO SON DE VILLA RICA!

¿PERIODISTAS?

Las figuras de DICCIÓN y de CONSTRUCCIÓN que escuchamos casi a diario o cuando nos “agarra" la curiosidad.
AFERESIS : Estrozar por destrozar
APOCOPE : Primer por primero
Elisión o crasis: Del por de él
SÍNCOPE : Navidad por Natividad
PARACOGE : Quizá por quizás
En el interior de la palabra
EPÉNTESIS : Corónica por crónica
METATESIS : Perlado por PRELADO
Figuras gramaticales que el LOCUTOR debe evitar.

CONSTRUCCIÓN.-
ELIPSIS : Yo tengo tres monedas él dos.
Eso es lo correcto
ZEUGMA : Yo poseo una moneda, remedios y ropas: BIEN, muy bien…
En cambio de : Yo poseo una moneda, yo poseo remedios, yo poseo ropas – MA.
HIPARBATÓN: “Del hombre en el hogar” y debe decirse:
En el hogar del hombre
Salvo que sea LORETANO que dice:
“ME DUELE EN SU ATRÁS DE MI PECHO”
(La espalda).

UN POCO DE LITERATURA, SOLO PARA DEMOSTRAR QUE NO SON TODOS LOS QUE ESTAN, NI ESTÁN TODOS LOS QUE SON…

¡AQUÍ MUEREN LOS VALIENTES!!
OFENSAS..

POR: YAYO- (Eduardo Soto Rondón).
Y, en Principio fue el hombre
Y el hombre fue nacido
Bajo el fuerte gemido
del dolor.
Y fue creciendo el niño
con espíritu prestado,
carne prestada, apresado
oprimido…
dolido…
ofendido.
Y fue vivido el hombre
Con el sudor de su frente;
Trabajando…
Trabajando…
Oprimido…
Engañado…
Ofendido.
Y fue amando el hombre
Rezumando harto cariño;
Con un corazón henchido,
Ofendido,
Despreciado,
Dolorido.
Y fue el hombre envejecido
De la muerte perseguido,
A su espalda,
Languidecido,
Empobrecido.
Y al final de la jornada
¿Cosa tiene el homo sapiens?
Si su espíritu es prestado;
Y su cuerpo putrefacto
Será en polvo convertido.
¿Qué le queda?
¡Nada…!
¡Nada…!
¿Valió la vida?

OTRO POETA DE NUESTRA COSECHA.

LOS BESOS.
Para LA CHINA…
Hay besos perfumados,
Besos tibios,
Que palpitan en íntimos anhelos,
Hay besos que en los labios
Dejan huellas
Como un campo de sol,
Entre dos hielos…

Besos tan besos que , te rompen
El alma y el amor…
Y te atan a un suelo perfumado
Por toda una vida.

Hay besos tan rabioso que te hieren
En el centro del corazón
Besos tan dulces que revientan
El cerebro del mas santo…

EL TIEMPO
El tiempo como el viento
Seca las lágrimas…
Como el agua… todo
Lo disuelve
Como el fuego… el tiempo,
todo lo consume.
El tiempo como el viento
Como el agua
Como el fuego,
Borra el amor
Mal correspondido…
El tiempo, mi querida,
Será nuestro.
Ahí comprenderás
Cuanto, cuanto, eres en mi vida.
El tiempo está entre
Tú y yo
El tiempo, como la distancia,
no te olvida…
Te revive altanera
y curiosa en mi corazón…

NEBLINAS
Algo hay sobre tus ojos
Que se nublan
Algo hay en tus labios
Que, ya ni me besan
y solo enmudecen.
Algo tienen tus mejillas,
que brillan
Deslizándose furtivas
hacia mi corazón,
en cada una
de tus despedidas…

Tus silencios, con las
pestañas juntas
son profundas como puñales
que se hunden una y otra.
Vez, en mis carnes…
Se hunden y se desaparecen
Entre burbujas
Del tiempo…
Algo hay sobre tus ojos…

(27-11-2004) Prisionero en el Restaurante “PAVAYACU” - IQUITOS OYENDO A LA NOVIA AMANDA PORTALES EN MISKY TAKY…

LAS VEREDAS

Tenemos la obligación de construir una sociedad o bienestar y calidad de vida: JUSTA EQUITATIVA Y SOSTENIBLE.
Para eso necesitamos recordar el pasado y proyectarnos a un futuro mejor…
Eso no lo mastican los ignaros o semi analfas… infractores de la LEY. El desarrollo significa ruptura con las prácticas discriminatorias, inequitativas, depredatorias del entorno natural y lesivo a la dignidad humana.
Eso… no lo entiende la CHUSMA, “SER BUENO ES FÁCIL, LO DIFICIL ES SER JUSTO” (V. HUGO).

DIFERENCIAS
Alocución.- Discurso dirigido por un superior a sus inferiores, secuaces o súbditos.
Elocución.- La manera de expresar conceptos. Es la facultad de hablar del modo eficaz para conmover o persuadir. Es un modo de elegir o distribuir las palabras y los pensamientos.
Locución.- Forman sentido del grupo de palabras que funcionan como oración.
No siempre se justifica el significado normal de las palabras.

Mejor: Dicen: “Es el modo de hablar, se tratadle grupo de palabras que forman un sentido y desarrolla un lenguaje fluido sin reiterar una y mil voces su pensamiento en forma desordenada…¡Ya nos embalamos!

Elocuente es SER:
CONVINCENTE – SEDUCTOR Y EXPRESIVO
Fluido en tu decir bien pronunciado
Alegre – Vehemente
Apasionado por el tema pero CORTÉS
Prudente eso si, terminante (al pan pan y al vino vino) y GRÁFICO.
(HAY INTELIGENCIA). Nada de conjugar el verbo en CONDICIONAL…

TENGAMOS EN CUENTA
DOS HECHOS:

1° Para cualquier concertación y unidad de acción hay que acercarse y “COMUNICARSE” parece que en nuestros pueblos se aplica la incomunicación pues hay celos y desconfianza.

El segundo hecho: Hay autoridades que manipulan las noticias, y el acceso es par sus amiguitos privilegiados que respaldan el ejercicio autoritario, corrupto y soberbio, como lo hacía FUJIMORI, con los canales corruptibles; TV, RADIO, PRENSA CHICHA y hasta cómicos como los AMBULANTES, los chistosos y Magali, confortantes, actores y churres de los “VLADIVIDEOS”…Los jueces chilenos han aceptado estos actos de corrupción, veremos como corresponden los peruanos.

“CUALQUIERA PUEDE HACER HISTORIA”
Pero solo un GRAN HOMBRE PUEDE ESCRIBIRLA: (O. WILDE).

COLOMBIANOS
“El día que te besé,
fue un día tan rico
que no se que hacer con él…
¿Te acuerdas?
Tan riiico tu beso
que ya es nuestro
y no se que hacer con su sabor
desde ese día
mejor desde esa tarde
no sé que miércoles espero
para otro, otro, y otro…

HUMOR
Un hombre se cae por una ladera, se salva agarrándose de un TRONCO… ¡GRACIAS ADIOS! Le grita su compañero y él le contesta: GRACIAS AL PALO, que la voluntad de Dios bien claro que estaba… (Salvador de MADARIAGA.).

DIPSOMANO = BORRACHO CON SU PLATA
SANTOS MORTALES

“CLASES DE ENTREVISTADORES”

“Tómelo por el lado amable”
El Empírico.- Que utiliza un LENGUAJE VULGAR Y NECIO, casi un interrogatorio policíaco
El Experimentado.- sabe y se desenvuelve serenamente como C. HILDEBRANTH
El Crítico.- Es un especialista en una rama científica, Educación, medicina, etc.
El Manipulador.- tergiversa y acomoda las declaraciones a sus intereses
El Prejuicioso.- Emite juicios infundados gracias a su ignorancia
El Demócrata.- Solo pregunta abiertamente como un curioso.
El Totalitario.- Se impone y no respeta, es un PATAN en el periodismo.
El Empático.- Se apropia del entrevistado y explica a su modo, lo que se supone debe declarar el entrevistado.
El Churre.- Es un individuo salido del lumpen que contrata un espacio al imbécil propietario de una emisora

¡USTED LE PONE EL NOMBRE!
Nosotros ya dimos nuestra opinión

¿DEFENSORES?

Si, Ud. No tiene casa, trabajo o profesión conocida ¿Qué esta defendiendo?
Y si ni siquiera sufraga en este distrito (CUALQUIERA) ¿Qué esta buscando? ¿Quién le paga?
Si Ud. repasa los DNIs de los firmantes del FRENTE DE DEFENSA REGIONAL, comprobara la cantidad de infiltrados… o ¿serán los líderes? ¿Quién los eligió? Bueno repetiremos a DIAZ HERRERA: La razón es poca cosa para contener una respuesta adecuada, correcta y creíble.
La RAZÓN de estar en una agrupación que no le corresponde es POCA COSA ante el hambre de figuras como ciudadano defensor de los intereses de quienes tienen más que él.

CURIOSIDADES

APUESTA DOBLE CONTRA SENCILLO-
FUJIMORI SE HACE AL ENFERMO Y SALE A UNA CLINICA DE LUJO…CUAL ERA EL PLAN DE LOS CHINITOS CUANDO DECÍAN “ESO NO LO VAMOS A PERMITIR”. ¿Acaso tomarían el poder por medio de las armas?

Un Episodio Histórico Imperecedero

POR. DR. MOISÉS URIBE ESCUDERO

Si le he dado importancia a esta fecha. Nomás por que he nacido en un
Departamento tan bendito como es ICA " donde nació la Patria "
NASCA.-Hermosa ciudad donde anido sus últimos años MARIA REICHE NEUMANN la
DAMA DE LA
PAMPA
PISCO.-Donde desembarcaran la expedición libertadora
PARACAS.-donde San Martín después de ver los animales marinos volar en sus
suelos, vio los
colores de nuestros símbolos patrios
INA.-Donde nació uno de los autores del HIMNO NACIONAL y uno de los mas
grandes escritores
como ABRAHAM VALDELOMAR Y PINTO con su obra "bandera ala de la
victoria"
CHINCHA.-Donde los combatientes, llegados de Chile, pasaban vitoreando
la libertad del Perú

MIERCOLES 4 DE JULIO
El Virrey La Serna, entrega la Jefatura Política y Militar de Lima a
Pedro José de Zarate, Marques de Motemira, mientras que el Virrey se retira
a la sierra.

JUEVES 25
La Serna, comunica a San Martín, su retirada de la ciudad, fracasada
las conversaciones de Punchauca y Miraflores.

DIAS 6 ,7,8 Y 9
La ciudad, completamente desguarnecida, asaltantes, bandolores,
elementos sediciosos, hay zozobra en la ciudad, el ejercito libertador se
apresta a su ingreso, mientras que Necochea a caballo pasa por Lima hacia
Lurin.

JUEVES 12
DIA GRANDE Y VENTUROSO
Un pequeño grupo de patriotas entran a Lima a las 6a.m. y a las 7p.m.,
lo hace Las Heras, mientras que San Martín entra de incógnito , pasa por el
actual Jr. Quilca a la casa del Marques de Montemira ( hoy Av. Abancay) ,
pero la gente se da cuenta de su presencia y comienzan a vitorearlo y oye
que le dicen "viva nuestro general " y el contesta "no, no, repetid conmigo
¡ viva la independencia del Perú ! y a las 10 p.m. vuelve a su campamento
de La Legua lugar entre Lima y Callao

VIERNES 13
Se instala en el palacio, donde antes fue sede del Poder Real.

SABADO 14
San Martín remite oficio al Alcalde de la ciudad para la convocatoria de
una JUNTA GENERAL para decidir sobre la INDEPENDENCIA

domingo 15
En la SALA CAPITULAR DEL AYUNTAMIENTO, se tomo acuerdo de declarar" la
voluntad general esta decidida por la independencia del Perú "
El ACTA DE LA DECLARACION DELA INDEPENDENCIA NACIONAL es firmada por
los presentes ( no fue el mismo dia 21 ) y se da cuenta a San Martín, quién
contesta de inmediato " EL PERU YA ES LIBRE, INDEPENDIENTE Y SOBERANO, POR
LA PROPIA DECICION DE SUS HIJOS "

martes 17
En el Municipio es expuesta el ACTA DE LA INDEPENDENCIA, para seguir
recibiendo adhesiones, mientras que los presentes van saludando a San >Martín.

JUEVES 19
El Ayuntamiento, manda a confeccionar el ESTANDARTE, Y DE DISPONE
LEVANTAR TABLADILLOS EN LA plaza mayor , Y EN OTROS PUNTOS DE LA CIUDAD

domingo 22
San MARTIN FIRMA EL bando FIJANDO PARA EL SABADO 28 para la ceremonia de PROCLAMACION DE LA INDEPENDENCIA , el ayuntamiento manda hacer la >limpieza de la ciudad y el alumbrado publico

MARTES 24
Todos los signos y emblemas de los españoles desaparecen de la
ciudad , plazas, calles y edificios

VIERNES 27
Todo se encuentra listo, hay una euforia general, y de noche Lima se
encuentra con una iluminación extraordinaria.

SABADO 28
REPIQUE DE CAMPANAS SACA A LA POBLACION, SE CONGREGAN EN LA PLAZA Mayor, San Martín sale del Palacio en un brioso corcel, escoltado por las Autoridades. dan una vuelta a la plaza y se dirigen al tablado , llegado el
gran momento Pedro José de Zarate entrega el PENDON que lleva el escudo del nuevo estado, y acallado el gentío, San Martín proclama la independencia
con las frases ya conocidas
Hay salvas de cañones, vítores, hay mas repiques de las 300 campanas que tiene la ciudad, desde los balcones, se lanzan monedas de oro, desde el tabladillo se lanzan medallas conmemorativas hechas especialmente para ese día,
Terminado ese actos, se dirigen a la PLAZUELA DE LA MERCED, al frente
de la actual iglesia NUESTRA SEÑORA DELAS MERCEDES que se encuentra en la Crda. 6 de Jr. de la Unión., luego se dirigen a la PLAZUELA DE SANTA ANA,
para terminar en la PLAZXUELA DE LA INQUISICION , donde actualmente se encuentra el Congreso de la Republica, Cdra, 2 de la Av. Abancay - Lima, luego de allí, se ofrece una recepción en el Ayuntamiento, en la noche un gran desfile, grande y emocionante, San Martín firma el bando, donde declara AUGUSTO Y SOLEMNE DIA.

DOMINGO 29
EN LA CATEDRAL SE OFRECE UNA MISA TE DEUM de acción de gracias, luego
se hace el juramento de la independencia por todas las corporaciones, hay
jubilo ciudadano, en la noche una fiesta en el palacio de gobierno. VALE DECIR , para eso FRANCISCO BOLOGNESI Y CERVANTES