There Are Many Reasons Car Rentals Offer Cheap Rental Cars and You Should Be Aware of Such Reasons

The most obvious reason why you can get a cheap car rental is when the renting outfit is giving vacation discounts on certain months or seasons of the year. This is a matter of routine that they have to do to remain competitive in their market. Although vacation times are the times when people love to go on holiday trips, they will usually rent from companies with discounted rates.

Other companies apply discounts to their prices for certain special and tourist-attractive destinations. These discounts are seasonal such as if you were to attend the Mardi Gras in New Orleans. These types of discounts you have to avail of early on, perhaps a few weeks before the festivities start. The reason is that there will most often be a last-minute rush to the site just before the fun begins and at that time and usually all promos and packages are suspended. This is perhaps due to the fact that the rental companies may run out of their own vehicles to rent out and will have to borrow from those who have any available and leave off on giving discounts for the borrowed cars.

Alternatively, other discounts are given for the sake of boosting their rentals during the slower months of the year or for destinations that are not very popular.

What is obvious is that you shouldn’t have a difficult time getting a cheap rental car for your outing because car rentals are dying to give you discounts just to keep the money rolling in. They even furnish large companies with discount cards which can be distributed to the employees. So you better check with management, if you are working in a big establishment, about cheap rental car discounts from the better known rental companies.

Because the condition of the car you are renting is determined to a great degree by the age of the car itself, a regular renter should know how to determine the age of the car by looking at its plate number. The formula for doing this is available on the internet and it may be different from one country to another and even from one state to the next. So when you research for ‘how to tell the car’s age from the number’ you should select the rules for the locality you are in.

You should be aware that there are also cheap rental car scams. In this situation you may be getting a car which is poorly conditioned or just plain too old to be road-worthy. Besides the car’s age, a look at the mileage indicator of the car will tell you how much use the motor of that car has seen. Along the same line of good car condition, you should be aware that although you can get cheap rental cars at smaller rental outfits if you need to use it for a long time, there is a catch to this. Smaller outfits will not have that many personnel and if you were expecting them to provide back up for you during an emergency, you may get an unpleasant surprise when you find you have to dish out your own money to have the rented car repaired.

Activity Internet Marketing Report, Internet Marketing Information

INTERNET MARKETING INFORMATION

NETWORKING

SCAMS, FRAUDS

FAKE E CARDS

HOLIDAY RENTALS

DROP SHIP

One of the first things you should do is check the government regulations that effect Internet marketing. Two of the main regulation deals with e mails. You can only send out your offer to persons who have contacted you about your offer or (a one time only) persons who have contact you with their offer.

You are required to enclose in all your e mails, your e mail address, your business address and phone. If you will be using a autoresponder you are required to have a unsubscribe link, so persons who may have contacted to receive your offers, newsletter, etc. can click on and have their name removed from your list.

It is also very important to remember if you join a MLM as a affiliate the firm you are marketing for meet the regulations, as you too could be charged if they make outrages claims about their product, how much money can be made etc.

The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S.

and abroad.

Get your own website, avoid the free ones offered by MLM’s. Don’t be restricted to one firm’s product with a free website.

With a free web site you would have no chance of being listed on the search engines, as there would be hundreds of web sites with the same offers. All you are doing is working for free, paying for advertisements for someone else’s products. If there was some product you wanted to sell from a MLM firm, you can join as a reseller and place just the product you want to handle on your website.

NETWORKING

You didn’t learn it at school, or at the office.

Would you believe your mother?

Networking is more then shaking hands, and giving out business cards. Forget about the endless networking skills you may have learned at the office. We just have to put the few lessons mother taught us into practice. As a kid we were always in a hurry to find something better. Our mothers taught us patience.

If your in a hurry you miss the value that can be built taking time with building relations in networking. Establishing a relationship by taking time, gives you a solid framework in networking building.

Your mother worked hard as an example. This is one of the better examples in networking she gave you. That’s why it is called networking, not sit work. For networking to be successful you have to work hard and put out the effort.

Remember her telling you to share your things with others? Some of our best resources are time, money, and information we are willing to give to the relationship. They appreciate us when we are willing to give to the relationship.

She always made you clean up after yourself. In networking, follow-up is required. Whether it’s a promise to meet someone, or just a thank you is one of the most important lessons of networking. These life lessons we learned from mother during childhood are a solid basis’s for strong networking skills.
Thank you mother for all your help.

The biggest time spend in selling, more so in mail order or on the Internet is developing a relationship with your customer and building trust. If you did a good job in the first two, closing a sale will take the smallest of your time spend with your customer.

SCAMS, FRAUDS

Fake e cards.
You get a message with a link to an online greeting card but, when you click it, you end up with a virus on your PC. A couple of simple rules here. Delete any messages that come from someone you don’t know or that don’t address you by name. If they come from someone you know, email that person to check that they sent it before clicking on.

HOLIDAY RENTALS

2009 has seen a surge in ads offering bogus vacation rentals. You pay a deposit or even in full to get a key and that’s the last you hear of them. Scammers are experts at creating phoney look-alike sites where you land after mistyping an address or by clicking on a link supplied in the e mail or ad. Always type in the URL and don’t just click on the link.

DROP SHIPPERS
You can get products to sell via e bay or/and your website by using the services of a drop shipper. A reliable drop shipper will not ask you for a fee. They will allow you to copy pictures of the products they sell. Prices are about half you would pay for retail.

When writing articles to directories, we are not allowed to list URL’s for places to go for free information, such as drop shippers, ebay, and other places. If your interested you can go to our website and in our archives there is over 2 years of free Internet information listing with URL’s. My website is listed in the article source at the bottom of this article.

If you have a website they will allow you to move any listing on their site to yours. You set your price on the product/s you transfer. When an order comes in place the order they will ship it out for you under your shipping label and not include any of their material.

A good way to promote is join as an affiliate, transfer a couple specials onto your site, with a link back to your affiliate page. The cost of setting up a web site is minimum. Check out my website archive for drop ship firms. Transfer a couple specials onto your site, with a link back to your affiliate page. The cost of setting up a web site is minimum. Check out my website archive for drop ship firms.

Disclaimer:
The Author of this article is not responsible for accuracy or completeness nor shall he be held liable for any damage or loss arising out of or in any way related to the information or utilization of it.

Opiate Addiction and Types of Treatment Provided

Suboxone has produced the least amount of acclaim for drug addiction treatment, yet it is the one drug that is widely dispensed by physicians.

If you are taking a prescription drug right now, chances are you are taking it incorrectly. Misuse is a major health problem in the United States. The U.S. Government estimates approximately 11 Million Americans are dependent on drugs, but there are more addicts than drug centers. A large percentage of addicts seeking help face long waiting lists and thus become hesitant to start a program once their name surfaces to the top of the list. Almost 70 percent of people face a waiting list for longer than thirty days.

Those dependent on prescription drugs have a mind-set that is different from what addiction-free individuals believe. Addicts are resistant to letting go of their drugs. They typically justify their drug use because for many, they have gotten the drugs legitimately, from their doctor. Some addicts do not realize they are prone to addiction, and they can become hooked on a legal drug. Equally unfortunate is the addict who finally realizes they require help, and then seek help only to be placed on a waiting list. In the end, far too many addicts go untreated. It would seem the odds are against addiction treatment, but Suboxone relieves this problem since the guidelines to prescribe the drug is more relaxed and offer greater flexibility.

What is Suboxone?

Suboxone contains two active substances, buprenorphine and naloxone, both used to treat dependence on opioid drugs. The cost of treatment depends on the dose used and the frequency of services. This cost is higher than that of methadone treatment when the two drugs are served daily; however, there is greater flexibility in prescribing Suboxone.

How Does Suboxone Work?

Suboxone binds to opioid receptors, and thus produces welcoming effects of euphoria, and a secure comforting feeling, although at much lower levels than those addicts would of total opioid agonists such as methadone. The effects of these agonists are sufficient to allow addicts to stop the misuse of opiates, without encountering withdrawal symptoms.

The Benefits of Suboxone

· Less risk of respiratory problems
· Lower risk of overdose
· The withdrawal symptoms are less profound than when using methadone to combat addiction
· Euphoric symptoms occur less

Adverse Effects of Suboxone

The side effects of Suboxone mainly occur when too much of the drug is taken. The symptoms are similar to the side effects of opiates:

· Headache
· Sick
· Constipation (delayed bowel function)
· Poor sleep
· Sleepy
· Drowsiness
· Dizzy
· Sweaty
· Breathing difficulties (always contact a doctor)
· Dry mouth (brushing your teeth regularly and extra good care of your teeth)
· Slight pain is felt with less risk of causing more inflammation or untreated injuries
· Psychological problems (hallucinations, nightmares, depression) treatment should be coordinated with psychologist
· Itchy rash (contact your physician in connection with possible allergic reaction)
· Sleep apnea (consult a physician)
· Difficult to urinate (call a physician)

Every drug has an adverse effect, yet the result of using Suboxone is positive.

3 +1″ accelerate industry concentration

According to statistics, one quarter of the 17 key projects have been settled in high-tech zones, with a total investment of 26.6 billion yuan. Around the “3 +1″ Key industry development plan (electronic information, biology and medicine, high-end equipment manufacturing, modern services), a group of high growth is accelerating the concentration of industrial projects, industrial structure gradually clear. Global industry giants have settled

The first quarter of this year, high-tech zones to attract foreign investment projects 6, a total investment of about 2 billion U.S. dollars. Among them, U.S. TRW Automotive Safety Systems, Alstom shock absorber systems are 500 investment projects in the world, but also high-tech zone management system to adjust the first time since the introduction of the Global 500 project.

U.S. TRW Automotive Safety Systems The total investment is $ 20,000,000, the production of brake pads from the use of the depth of mold processing technology, can greatly reduce the vehicle noise vibration and improve the drivers comfort. Metal containers item has the world’s largest manufacturer and supplier of metal packaging containers, the U.S. Fortune 500 companies owned Boer set up a total investment of $ 75,000,000, is expected annual sales income of about 5 million yuan, annual profits and taxes 80 million yuan . Integrated Systems Project, Department of Ophthalmology, the world’s cases of the highest rates of ophthalmic electronic medical record software maker owned German company law should be established to introduce high-tech zone is the first German-owned enterprises. Accelerate the growth of high-end industrial chain

In the electronic information industry, the integration of wafer sorting test equipment, Knopp R & D Center and Northern District letter postdoctoral workstation, phase change energy technology industry and other high-tech zone project was officially settled in the northern zone of Jiaozhou Bay.

Among them, the integration of wafer inspection equipment items for sorting by the Friends of Science and Technology Co., Ltd. invested Hanguo Jiang, a world leading patented technology, is mainly engaged in professional LED wafer inspection equipment, test instruments, such as product design, development, production and sales. Settled in the project area for the elongated high-tech LED industry chain and promote high-end industrial projects of electronic information gathering, and further enhance the characteristics of high-tech industry’s core competitiveness area of ​​great significance. Currently, high-tech zone north of the park of Jiaozhou Bay has TPV rs232 lcd module and LCD modules, LED sapphire wafer production and R & D, manufacturing and high-power LED lighting systems LED industry related R & D projects and a number of landing. On this basis, high-tech zone in the semiconductor, IC design, LED as a key investment characteristics of high-tech zone with a complete electronic information industry chain is accelerating the formation.

In biological and pharmaceutical industries, has been the introduction of the blue biomedical industry park, bio-oligosaccharides, DC and CIK in vitro reagent blue biomedical industry projects with a total investment of 1.719 billion yuan. Among them, the Han and Tang Dynasties biochip, blue Biomedical Park incubator, Wah Yan stomach, bio-oligosaccharides four projects have started construction, clean room project orthopedic medical device has been decorated.

Advanced equipment manufacturing sector, which have been settled in the U.S. TRW Automotive Safety Systems, Alstom shock absorber 2 projects, metallurgical equipment, automatic transmission assembly base, tile line cadre integration, chip capacitors and other three projects have been formally signed . Last year, heavy truck started some of the equipment has special vehicle project approach, the ongoing internal and external decoration. East China Machine project was basically completed the first phase, second phase will soon officially started. Heino auto parts business up for projects completed and projects for the record, is about to start construction. Ren machine completion of the project land auction, geological exploration, the ongoing planning and design. Today a group, sub-Mastery, HTC Nile season, ranking a number of new Chengzhi Zhuo settled in Qingdao High-speed train industrial base supporting enterprises will soon have started construction.

Modern services sector, in the city last year started construction of the Shimao complex, technology services and a number of leading financial center, on the basis of the project, Wah Yan venture capital, R & D company in Qingdao Heng Anderson boats and other projects have settled down. The compound began to show hatch features a large

The industrial compound incubation function of a large high-tech zones in the increasingly prominent.

Not long ago, held high-tech projects focused on high-tech zone signing, CMA Engineering Research Center meteorological optical engineering center located in Qingdao High-tech Zone, mainly in our cloud, day, can detect devices and solar observing station equipment R & D and industrialization and enhance our level of technology related field equipment. Optoelectronics Research Institute Chinese Academy of Sciences, Qingdao introduced energy-efficient lighting system industrialization projects of things, will set up an electronic light source technology research and carry out integrated circuit design, packaging and testing to product application development, an annual one billion integrated circuits / modules units of production, and promote the development of optoelectronic integrated circuit industry. At present, the Chinese Academy of Sciences, Qingdao R & D base 4 million square meters of the main cap earlier, the introduction of a highly talented team of 60 people, set up a laser detection, spectral imaging, optical information, electronic light source 4 Research Center, registered in the Bureau of optical measurement, spectrum in the Division, the National Science optoelectronics, such as in Section 4-day high-tech companies for the first time commitment to 863 projects.

Up to now, Qingdao University of Science and Technology Parks Corporation, the national completion of the restructuring, the main park a foundation under construction, is Science and Technology, Ministry of Education officially recognized as state-level assessment of university science park; Qingdao International Science and Technology Park, Industrial Technology Research Institute, Qingdao, Qingdao New Media Technology Park Bangkok High-tech Zone has been settled, the introduction of a number of proprietary high-end industrial projects will be hatching in the incubator and pilot.

The Travel Career in nursing and it is Advantages

There are quite a bit of profession prospects accessible to nurses today. Nurses can be found in various medical areas a variety of medical establishments for instance hospitals, schools, government, medical clinics, nursing homes, administration, plus more. One sort of nursing job that may be now being chosen by more nurses because several positive aspects will be the travel career in nursing.

A travel nurse is usually a nurse who goes toward areas everywhere over the nation and works for a medical facility for any set specific time. These nurses are replacement workers for nurses who’re away for reasons like if they’re on the holiday to have an extended period of time. Since the nursing positions are temporary, the employer will be expecting a nurse who does not have for being trained or supervised.

As a travel nurse, you require some important qualifications. You will need to be considered a licensed nurse that completed the nursing program from a certified school for nursing. It’s also advisable to been employed by being a nurse for the year or higher. Employers rely on travel nurses to be prepared to leap into work can be with the necessity for supervision or much training. To obtain a job as a travel nurse, most nurses will join a nurse recruiting agency.

A nurse recruiting company assists employers in the healthcare industry hire travel nurses to temporarily replace nurse on leave. Upon joining a staffing company, every one of the specifics of the nurse such as qualifications is set up a database. When an employer requests a nurse for the short term job vacancy, the agency will quickly realize the proper nurse to complete the job. The agency will help make a phone interview between the employer and nurse, assist the nurse with pay for it for travel, get the right nursing licenses, and help with finding suitable housing. A nursing staffing company could also offer courses to help keep nursing skills and knowledge on issues within the medical industry.

You can find nurse staffing agencies that provide nurses to employers needing temporary workers. As effectively, a travel nurse in most cases obtain compensation for travel relates expenses. There can also be a housing compensation and medical insurance benefits. Using a travel nursing career, flexibility is really a benefit as a nurse can choose the type of work assignment that meets the requirements and preferences. They even have a holiday between work assignments. As nicely, this can be a fun and lucrative way to see the country. If a nurse isn’t ready for any full-time career available as one place, travel nursing is a superb choice.

Nursing travel jobs tends to make a lucrative income because these nurses need to be experienced and ready to travel and begin work competently the first day. For nurses trying to travel as well as a great living, the travel nursing profession may be the solution. They also receive the good thing about working in different medical environments and experience new places. When nurses attempt this kind of career, they soon discover travel nursing is often a rewarding and lucrative career.

The myriad benefits of metal patio furniture

When you’re looking for furniture for your outdoor living space or to grace your swimming pool deck, the advantages of metal patio furniture are countless. Metal patio furniture is both versatile and durable. Patio chair covers, and all patio furniture covers for that matter, are a vital addition to the rugged metal frames. Plastic and wood patio furniture varieties simply do not hold up as well as metal, particularly aluminum, one of the more popular patio furniture metals.

The magical quality of metal patio furniture is its unique combination of strength and portability. These pieces can be easily rearranged and it doesn’t take more than one person to do it so if a party is in the making, you can quickly move the furniture to suit the crowd.

Durability is a big factor for consumers when it comes to their patio furniture. Quality patio furniture covers, and patio chair covers, are a savvy choice for consumers who seek value.

Nothing holds up to the elements like metal, whether your metal of choice is aluminum, wrought iron, or something else. Metal patio furniture is among the most durable of all accessories you can purchase for your home. Considering that outdoor lounges and chairs spend a lot of time in rain, snow, and direct sunlight, they are phenomenally durable. Metal frames are also corrosion proof, so cleaning is easy since all you really have to do is hose the stuff off. Metal patio furniture requires virtually no maintenance.

While steel and wrought iron are not as light as aluminum, they do provide incredible durability. If you choose one of these heavier metals for your patio furniture, even the black, painted metals can be invariably spruced up with extremely colorful cushions and coverings.

Whatever your taste, add a bit of accented hue to the backyard area with an array of color choices.

Metal garden furniture is not only long lasting and versatile, but very easy to maintain. Any garden can become a showplace with the addition of chairs, tables, sofa pieces, or just plain benches. The reasonable prices and wide availability of attractive metal garden furniture make it a perfect choice for homeowners who value aesthetics and economical design.

Fitness for Fun: Alternative Fitness Activities That Work

Are you one of those people who think that losing weight and keeping fit needs to be done at a rigorous pace and with a totally competitive mindset? Are you struggling with your weight loss program because of this kind of thinking? Are you almost drained of your last ounces of hope that you will ever get fit?

If you’re just beginning to start your fitness journey, or even if you’re already going but feeling a bit burnt out, then you might be approaching fitness all wrong. Getting fit shouldn’t make you feel like you’re in a boot camp. It should be enjoyable, and that’s where fitness for fun comes into the picture.

A lot of people who are overweight, or have health and fitness issues, may not be suitable for those in-gym workouts that are very rigorous and require a lot of correct technique. In fact the gym is just not an enjoyable experience for some people. Lifestyle, like working in an office setting where you don’t have the opportunity for a lot of physical activity, may have also taken over and quite frankly the hours that are being worked aren’t compatible with long sessions in the gym. The good news is that, there are alternative fitness options readily available.

First off, fitness for fun is an easy way to start getting back in to shape. Just because it’s fun it doesn’t mean that it isn’t working. Alternative fitness activities are far from the dumb bell curls that you normally do at the gym, think pillow fights, sports, rock climbing, hiking and the list goes on and on. I hear you say that doesn’t fitness have to be structured? In my opinion alternative fitness doesn’t have to be structured at all, the further from structured the better, as then it won’t feel like work at all!

How do you get back to that fitness for fun mentality? The best place to start is to just remember your younger days. Was there a sport that you enjoyed playing? Did you love to dance back then? Where you a cheerleader once in your life? Why not go back to those activities. Playing a sport that you once loved can be the furthest thing on your mind if your current fitness status is on the downside. However if you just get started you’ll be amazed at the support you will get and that in itself will help you go in the right direction and on the road again to regaining your fitness and health. You’ll also have that super benefit of burning those calories while you play. Remember just to be patient with yourself as you might struggle at first, but you’ll eventually start to feel that you’re getting better at it and before you know it you’ll be back to your old form and shape. It is never too late to take that first step. You could invite your old buddies to play with you as extra incentive and then it’s even more fun as it’s an excuse for a catch up as well, or you can join a local club if none of your buddies are still playing. There are many age clubs around that welcome players with our without experience. I know that for a fact as I’m now at 40 starting to seriously to consider taking up soccer in the local women’s team for the first time in my life to add some more fun into my fitness program.

It’s the same with dancing. When did you last dance? Most women nowadays prefer to join fitness clubs that offer dance classes as part of their fitness for fun programs. There’s a wide variety of dances that you can choose from like belly dancing, pole dancing, and Latin dancing just to name a few. Jazz and Ballroom dancing are also popular choices. This is a great way to learn a new skill and burn those calories at the same time.

Other alternative fitness activities would include playing Frisbee at the park, or learning how to swim, cycling, and even hauling logs with your bare hands. Why not? It’s a great way to keep you fit.

Anything can be fitness when we just stop thinking of fitness in the traditional sense of the word and open our eyes to all the possibilities around us. The best place to start? Just look through the eyes of a child, don’t take yourself seriously, laugh put a skip in your step and go from there.

India Imports and Exports – Part II

India-America Trade relations

For the starters, United States is India’s largest trading partner.

India’s major exports to US – include Information Technology Services, textiles, machinery, ITeS, gems and diamonds, chemicals, iron and steel products, coffee, tea, and other edible food products.

India’s major imports from US – aircraft, fertilizers, computer hardware, scrap metal and medical equipments.

Additionally, America is also India’s largest investment partner. Americans have made significant investments in India’s power generation, telecommunications, ports, roads, petroleum exploration/processing, and mining industries.

India and US have signed a new Trade Policy Forum. The sub-divisions include: Agricultural Trade Group and Tariff and Non-Tariff Barriers group.

Agricultural Trade Group- The group specially focuses on three objectives: approving on terms that will facilitate India to export mangoes to the United States, thereby sanctioning Agricultural and Process Food Products Export Development Authority (APEDA) to vouch Indian products to the standards of the U.S. Department of Agriculture, and implementing procedures for approving edible wax on fruit.

Tariff and Non-Tariff Barriers group – Insecticides manufactured by United States could be sold across the length and breadth of the country. Also, India has also agreed to cut regulations on buy/sell of carbonated drinks. Many medicinal drugs and lowering regulations on products those are not agricultural produce.

Both countries expressed interest in promoting small business initiatives in both countries by enabling trade between them..

The percentage of traded items from India to US

1. Diamonds & precious stones (25%)

2. Textiles (29.01%)

3. Iron & Steel (5.81%)

4. Organic chemicals (4.3%)

5. Machinery (4.6%)

6. Electrical Machinery (4.28%)

The percentage of traded items from US to India

1. Engineering goods & machinery (including electrical) (31.2%)

2. Precious stones & metals (8.01%)

3. Organic chemicals (4.98%)

4. Optical instruments & equipment (7.33%)

5. Aviation & aircraft ( 16.8%)

Export of Indian Agro Exports to US

The export of Indian Agro products to US forms a significant component of Indian exports to US. The Indian government apparently plays an important role in the expansion and diversification of the agricultural products and food processing industrial sector of the country. It is reportedly one of the largest in terms of production, consumption, export and growth.

The main items of Indian Agro Exports to US are:

o Rice and rice products

o Fresh vegetables

o Fresh fruits like mangoes, mango pulp, and grapes

Sonography Websites and Blogs

There are numerous great sonography Websites and blogs for professionals in this field who want to stay on top of the latest news and information for their careers. You could easily compile a list of 50 sonography Websites and blogs, and they would all be very useful. These five Websites and five blogs are a great place to start, though. They all have plenty of visitors, lots of recently updated information and credibility in the industry.

Websites

1. Aunt Minnie: This Website, found online at AuntMinnie.com, is an excellent forum for industry professionals such as business managers, members of organized medicine, radiologists and technologists. If you want to meet others in the profession to network and collaborate with, this is a great site for you.

2. Diagnostic Imaging: Go to DiagnosticImaging.com to find out about the latest developments across all segments of the field of diagnostic radiology.

3. Health Imaging: This site, HealthImaging.com, boasts “Images, information and knowledge across the enterprise.”

4. Image Radiology Magazine: RT-Image.com is “the source for radiology professionals,” with everything from job listings to CEO directories to data sheets to informative articles and much, much more.

5. Learning Radiology: This is a great resource if you are a student or new to the field. Regular features at Learningradiology.com include a case of the week, an image DDX, quizzes and more.

Blogs

1. American Journal of Neuroradiology: Find everything neuroradiology-related at this blog site, including editorials, cases, book reviews and more.

2. Americans for Responsible Imaging: The ARI blog site features doctors and patients from the world of medical imaging who are focused on preserving the healthcare system in the United States.

3.Free Ultrasound Machine Reviews and Tips: If you are looking for evaluations of diagnostic ultrasound equipment with details about 3D and 4D ultrasound techniques, image quality and user friendliness, visit GPS Medical President Brian Gill’s blog.

4. Imaging Informatics News: Everything related to medical imaging informatics is discussed in this blog, including news on CAD, PACS, RIS, image acquisition, processing enhancement and more.

5. Sonography News: All the diagnostic medical ultrasound imaging news that you need to know now is right here in this blog.

Find best sonography schools or sonography college programs on SonographySchoolsU.com and start your path to a rewarding career. SonographySchoolsU.com is an online education resource offering information about top sonography schools/ Ultrasound Technician Schools that offers best sonography programs in various disciplines.

Home Buyers and Sellers Real Estate Glossary

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.