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A New Way to Invest in Property

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The two most frequently asked questions by investors are:

  1. What investment should I buy?
  2. Is now the right time to buy it?

Most people want to know how to spot the right investment at the right time, because they believe that is the key to successful investing. Let me tell you that is far from the truth: even if you could get the answers to those questions right, you would only have a 50% chance to make your investment successful. Let me explain.

There are two key influencers that can lead to the success or failure of any investment:

  1. External factors: these are the markets and investment performance in general. For example:
    • The likely performance of that particular investment over time;
    • Whether that market will go up or down, and when it will change from one direction to another.
  2. Internal factors: these are the investor’s own preference, experience and capacity. For example:
    • Which investment you have more affinity with and have a track record of making good money in;
    • What capacity you have to hold on to an investment during bad times;
    • What tax advantages do you have which can help manage cash flow;
    • What level of risk you can tolerate without tending to make panic decisions.

When we are looking at any particular investment, we can’t simply look at the charts or research reports to decide what to invest and when to invest, we need to look at ourselves and find out what works for us as an individual.

Let’s look at a few examples to demonstrate my viewpoint here. These can show you why investment theories often don’t work in real life because they are an analysis of the external factors, and investors can usually make or break these theories themselves due to their individual differences (i.e. internal factors).

Example 1: Pick the best investment at the time.

Most investment advisors I have seen make an assumption that if the investment performs well, then any investor can definitely make good money out of it. In other words, the external factors alone determine the return.

I beg to differ. Consider these for example:

  • Have you ever heard of an instance where two property investors bought identical properties side by side in the same street at the same time? One makes good money in rent with a good tenant and sells it at a good profit later; the other has much lower rent with a bad tenant and sells it at a loss later. They can be both using the same property management agent, the same selling agent, the same bank for finance, and getting the same advice from the same investment advisor.
  • You may have also seen share investors who bought the same shares at the same time, one is forced to sell theirs at a loss due to personal circumstances and the other sells them for a profit at a better time.
  • I have even seen the same builder building 5 identical houses side by side for 5 investors. One took 6 months longer to build than the other 4, and he ended up having to sell it at the wrong time due to personal cash flow pressures whereas others are doing much better financially.

What is the sole difference in the above cases? The investors themselves (i.e. the internal factors).

Over the years I have reviewed the financial positions of a few thousand investors personally. When people ask me what investment they should get into at any particular moment, they expect me to compare shares, properties, and other asset classes to advise them how to allocate their money.

My answer to them is to always ask them to go back over their track record first. I would ask them to list down all the investments they have ever made: cash, shares, options, futures, properties, property development, property renovation, etc. and ask them to tell me which one made them the most money and which one didn’t. Then I suggest to them to stick to the winners and cut the losers. In other words, I tell them to invest more in what has made them good money in the past and stop investing in what has not made them any money in the past (assuming their money will get a 5% return per year sitting in the bank, they need to at least beat that when doing the comparison).

If you take time to do that exercise for yourself, you will very quickly discover your favourite investment to invest in, so that you can concentrate your resources on getting the best return rather than allocating any of them to the losers.

You may ask for my rationale in choosing investments this way rather than looking at the theories of diversification or portfolio management, like most others do. I simply believe the law of nature governs many things beyond our scientific understanding; and it is not smart to go against the law of nature.

For example, have you ever noticed that sardines swim together in the ocean? And similarly so do the sharks. In a natural forest, similar trees grow together too. This is the idea that similar things attract each other as they have affinity with each other.

You can look around at the people you know. The people you like to spend more time with are probably people who are in some ways similar to you.

It seems that there is a law of affinity at work that says that similar things beget similar things; whether they are animals, trees, rocks or humans. Why do you think there would be any difference between an investor and their investments?

So in my opinion, the question is not necessarily about which investment works. Rather it is about which investment works for you.

If you have affinity with properties, properties are likely to be attracted to you. If you have affinity with shares, shares are likely to be attracted to you. If you have affinity with good cash flow, good cash flow is likely to be attracted to you. If you have affinity with good capital gain, good capital growth is likely to be attracted to you (but not necessary good cash flow ).

You can improve your affinity with anything to a degree by spending more time and effort on it, but there are things that you naturally have affinity with. These are the things you should go with as they are effortless for you. Can you imagine the effort required for a shark to work on himself to become sardine-like or vice versa?

One of the reasons why our company has spent a lot of time lately to work on our client’s cash flow management, is because if our clients have low affinity with their own family cash flow, they are unlikely to have good cash flow with their investment properties. Remember, it is a natural law that similar things beget similar things. Investors who have poor cash flow management at home, usually end up with investments (or businesses) with poor cash flow.

Have you ever wondered why the world’s greatest investors, such as Warren Buffet, tend only to invest in a few very concentrated areas they have great affinity with? While he has more money than most of us and could afford to diversify into many different things, he sticks to only the few things that he has successfully made his money from in the past and cut off the ones which didn’t (such as the airline business).

What if you haven’t done any investing and you have no track record to go by? In this case I would suggest you first look at your parents’ track record in investing. The chances are you are somehow similar to your parents (even when you don’t like to admit it ). If you think your parents never invested in anything successfully, then look at whether they have done well with their family home. Alternatively you will need to do your own testing to find out what works for you.

Obviously there will be exceptions to this rule. Ultimately your results will be the only judge for what investment works for you.

Example 2: Picking the bottom of the market to invest.

When the news in any market is not positive, many investors automatically go into a “waiting mode”. What are they waiting for? The market to bottom out! This is because they believe investing is about buying low and selling high – pretty simple right? But why do most people fail to do even that?

Here are a few reasons:

  • When investors have the money to invest safely in a market, that market may not be at its bottom yet, so they choose to wait. By the time the market hits the bottom; their money has already been taken up by other things, as money rarely sits still. If it is not going to some sort of investment, it will tend to go to expenses or other silly things such as get-rich-quick scheme, repairs and other “life dramas”.
  • Investors who are used to waiting for when the market is not very positive before they act are usually driven either by a fear of losing money or the greed of gaining more. Let’s look at the impact of each of them:
  • If their behaviour was due to the fear of losing money, they are less likely to get into the market when it hits rock bottom as you can imagine how bad the news would be then. If they couldn’t act when the news was less negative, how do you expect them to have the courage to act when it is really negative? So usually they miss out on the bottom anyway.
  • If their behaviour was driven by the greed of hoping to make more money on the way up when it reaches the bottom, they are more likely to find other “get-rich-quick schemes” to put their money in before the market hits the bottom, by the time the market hits the bottom, their money won’t be around to invest. Hence you would notice that the get-rich-quick schemes are usually heavily promoted during a time of negative market sentiment as they can easily capture money from this type of investor.
  • Very often, something negative begets something else negative. People who are fearful to get into the market when their capacity allows them to do so, will spend most of their time looking at all the bad news to confirm their decision. Not only they will miss the bottom, but they are likely to also miss the opportunities on the way up as well, because they see any market upward movement as a preparation for a further and bigger dive the next day.

Hence it is my observation that most people who are too fearful or too greedy to get into the market during a slow market have rarely been able to benefit financially from waiting. They usually end up getting into the market after it has had its bull run for far too long when there is very little negative news left. But that is actually often the time when things are over-valued, so they get into the market then, and get slaughtered on the way down.

So my advice to our clients is to first start from your internal factors, check your own track records and financial viability to invest. Decide whether you are in a position to invest safely, regardless of the external factors (i.e. the market):

  • If the answer is yes, then go to the market and find the best value you can find at that time;
  • If the answer is no, then wait.

Unfortunately, most investors do it the other way around. They tend to let the market (an external factor) decide what they should do, regardless of their own situation, and they end up wasting time and resources within their capacity.

I hope, from the above 2 examples, that you can see that investing is not necessarily about picking the right investment and the right market timing, but it is more about picking the investment that works for you and sticking to your own investment timetable, within your own capacity.

A new way to invest in properties

During a consultation last month with a client who has been with us for 6 years, I suddenly realised they didn’t know anything about our Property Advisory Service which has been around since April 2010. I thought I’d better fix this oversight and explain what it is and why it is unique and unprecedented in Australia.

But before I do, I would like to give you some data you simply don’t get from investment books and seminars, so you can see where I am coming from.

Over the last 10 years of running a mortgage business for property investors:

  • We have executed more than 7,000 individual investment mortgages with around 60 different lenders;
  • Myself and our mortgage team have reviewed the financial positions of approximately 6,000 individual property investors and developers;
  • I have enjoyed privileged access to vital data including the original purchase price, value of property improvements and the current valuation of close to 30,000 individual investment properties all around Australia from our considerable client base.

When you have such a large sample size to do your research on and make observations, you are bound to discover something unknown to most people.

I have discovered many things that may surprise you as much as they surprised me, some of which are against conventional wisdom:

Paying more tax can be financially good for you.

This one took me years to swallow, but I can’t deny the facts. The clients who have managed to get into a positive cashflow position have paid a lot of tax and will continue to pay a lot of tax, whether it is capital gains, income tax or stamp duty. They don’t have an issue with the tax man making some money as long as they continue to make more themselves! They regularly cash in the profits from their properties and reduce their debt, but always continue to invest and park their money where the return is best. In fact, I can almost say that the only people who enjoy positive cashflow from their investment properties are the people who have little concern about paying taxes as they treat them as the cost of doing business.

Just about every property strategy works. It just depends on who does it, how it is done, when it is done and where it is done.

When I first started investing, I went and read many property investment books and attended many investment educational seminars. Just about every one of them was convincing and this confused the hell out of me. Just when I was about to form an opinion against a particular property strategy, someone would show up in one of my client consultations and prove that it worked for them!

After testing many of these strategies myself, I came to realise that it is not about the strategy,(which is only a tool) but rather it is about whether the person is using the tool appropriately at the right time, in the right place and in the right way.

There is no such thing as the best suburb to invest in, forever.

If you randomly pick a particular property in what you think is the best suburb over a 30 year window, you will find that there are periods during which this property will outperform the market average, and there are periods when this property will underperform the market average.

Many property investors find themselves jumping into historically high growth suburbs at the end of the period when it is outperforming the average, and then stay there for 5-7 years during the underperforming period. (Naturally this can taint their view of property investing as a whole!)

There is no such thing as the worst suburb to invest in, forever.

If you pick a property in the worst suburb you can think of from 40 years ago, and pitch that against the best suburb you can think of over the same period of time, you will find they both grew at about 7-9% a year on average over the long-term.

Hence in the 1960s, a median house in Melbourne and Sydney was valued at $10k. The worst property around that time may have been 30% of the median price for then, which was say about $3k. Today, the median house price in these cities is about $600k. The worst suburb you can find is still around 30% of that price which is say $200k a house. If you believe a bad suburb will never grow, then show me where you can find a house today in these cities, that is still worth around $3k.

Median Price growth is very misleading.

Many beginner property investors look at median price growth as the guidance for suburb selection. A few points worth mentioning on median price are:

We understand the way median price is calculated as the middle price point based on the number of sales during a period. We can talk about the median price for a particular suburb on a particular day, week, month, year, or even longer. So an influx of new stocks or low sales volume can severely distort the median price.

In an older suburb, median price growth tends to be higher than it really is. This is because it does not reflect the large sum of money people put into renovating their properties nor does it reflect the subdivision of large blocks of land into multiple dwellings which can be a substantial percentage of the entire suburb.

In a newer suburb, median price growth tend to be lower than it really is. This is because it does not reflect the fact that the land and buildings are both getting smaller. For example, you could buy a block of land of 650 square metres for $120k in 2006 in a newer suburb of Melbourne, but 5 years later, half the size block (i.e.325 square metres) will cost you $260k. That’s a whopping 34% annual growth rate per year for 5 years, but median price growth will never reflect that, as median prices today are calculated on much smaller properties.

Median price growth takes away people’s focus from looking at the cost of carrying the property. When you have a net 2-3% rental yield against interest rates of 7-8%, you are out-of-pocket by 5% a year. This is not including the money you have to put in to fix and maintain your property from time to time.

Buying and holding the same property forever doesn’t give you the best returns on your money.

The longer you hold a property, the more likely you will achieve an average growth of 7-9%. But you will be bound to hit periods where your property outperforms the 7-9% growth and periods where it under performs the 7-9% growth.

The longer you hold a property, if its growth is at or above average, the lower its rental yields will become.

The longer you hold a property, the higher the capital gains tax you will need to pay when you sell, and the less likely you will be able to sell it.

The longer you hold a property, the more likely there will be a need for an expensive upgrade of the property.

The longer you hold a property, the more likely you will forget which part of the equity actually belongs to the tax man, AND the more likely you will be to try to leverage the equity that doesn’t belong to you. This can get you into a negative equity position with a negative cashflow forever, unless you have proper financial guidance.

what has changed recently with gear

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When we think of food from nature, we generally don’t consider it to be harmful. Yet, there are some foods that can cause disease. To remove germs that cause disease, food is treated with ionizing radiation. The radiation process, which is known as food irradiation, kills any germs on the food that could eventually lead to disease.

This radiation technology is not new, however. NASA has used radiation to keep foods from collecting germs while in space. It wasn’t until 1992 that the technology was introduced to the public, however.

In the more recent years, some people believe that using this type of radiation on food could cause radiation poisoning. However, scientists claim that it doesn’t.

Instead, scientists say that irradiating foods can eliminate many diseases without changing the food in anyway and it’s safe to consume. However, plants from Mother Nature aren’t the only reason scientists apply radiation to food. The animals that we consume are another. Because raw meat can contain deadly bacteria such as E. coli, and salmonella, scientists hope that the radiation will eliminate the deadly bacteria.

Unfortunately, the process doesn’t destroy all of the bacteria and not just any food can be irradiated. Raw shellfish and eggs are generally not good candidates for the radiation process since it can reduce the quality of the food. Alfalfa seeds are another food that can’t be radiated due to the risk of salmonella poisoning.

Aside from germ removal, scientists have also learned that an irradiated food has a longer shelf life. This makes the food easier to ship from farm to stores to home. And believe it or not, the technology isn’t just used in food. The very same radiation process is also used to eliminate fatal illnesses, sterilize medical products, eliminate bacteria in cosmetics and it’s used in non-stick cookware. (The very same type of cookware that we’ve been warned not to use.)

Still, many people aren’t really concerned when it comes to buying foods that involve the use of this type of radiation. They believe that if there is a label stating that the product has been treated with radiation and that is approved by the FDA, it’s safe.

For the most part, using radiation to kill the germs that can cause bacteria in food is safe. But, if you’re like the few who would rather not take the risk, it’s certainly understandable.

Unfortunately there really is no way of knowing if a food has been processed with radiation. While labels must be used for a majority of these radiated products, if a food contains very little radiation, that product doesn’t require a label.

So unless you grow your own fruits and vegetables, the best you can do is keep your body as healthy as possible with the proper nutrition and a good whole food vitamins and minerals supplement.

Current Trends in Wedding Photography

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Wedding photography is an evolving field that requires artistic talent, vision, and highly technical expertise.

In the past wedding photography was almost always limited to stiff posses without much regard for the underlying story, emotion, romance, and behind the scene events of the wedding day.

Although there is still a big segment of the wedding industry that practices traditional photography with its preplanned poses, and recreation of the wedding peak events such as the kiss, the ring exchange, etc., the modern wedding couple demands a more contemporary approach to their wedding day.

Wedding photojournalism has been in vogue for the past decade. The central idea behind it has been the capture of the wedding events without any interference or direction from the wedding photographer. The photographer is there to capture the true essence of the wedding day. As a result of this realistic approach the photographs are a true representation of the wedding day. Hard core wedding journalistic will be totally opposed to posing any wedding related event. If it doesn’t not happen during the wedding it won’t be recorded. This includes family group photos.

Several photographers offer a hybrid approach to wedding photography, usually a combination of traditional and journalistic wedding photography. In this approach the photographer focuses on documenting the wedding day but the coverage also includes a session with the couple for formal posed or semi-posed photographs and also family group photos.

The latest trend in wedding photography is toward a more fashionable approach. Inspired on high-end fashion magazines such as Vogue, Elle, InStyle, Cosmopolitan, Glamour, GQ, American Photo, etc., and wedding magazines the photographer seeks to make the couple’s fantasies real.

In the fashion wedding photography approach the goal is to make the wedding couple look their best. Their romantic interplay is glamorized to its maximum expression. The everyday couple becomes like wedding celebrities. Attention to detail is required to achieve the perfect look. This approach requires a great deal of artistic talent behind the camera and also great computer image editing skill to produce a unique photo. Half the photo is made on the camera with the second half achieved though digital image editing and manipulation.

Which style is best, is for you to decide. In our experience a big segment of the wedding couples want to capture the reality, details and romance of the wedding day but at the same time they have fantasies about their wedding and the way they should look.

When making a decision for a wedding photographer look closely to the photographer’s portfolio and see how it agrees with your philosophy on how your wedding day should be photographed. Regardless of your philosophy please make sure that you select a master of the craft, you and the next generation deserve masterpiece memories of your wedding day.

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Pros And Cons of Using Microfiber Towels

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The invention of microfiber brought a revolution in the market few years back. Microfiber towels were successfully launched for cleaning and dusting. Microfiber towels even proved useful to clean oil stains. Right from its inception, this fiber was considered to be far more superior to other fibers available in the market. Microfiber is not only superior in quality but is also quite affordable so it became extremely popular in the cloth industry.

With an excellent cleaning capabilities these towels also became very popular at home for day to day use. This is why people started using such towels for heavy cleaning.

Prior to the invention of microfiber, people preferred to use cotton towels which had an excellent absorption power. But microfiber towels have very high absorbency as compared to cotton towels. Microfiber was an excellent alternative to the old cotton in various products like in microfiber bath towels, sportswear, dusting towels etc. Since these towels have very high absorbency, they are very often used by sports persons and in the gym since they effectively absorb sweat of the person. The average life of microfiber towel is many times more than other conventional towels.

Microfiber brought real change to our lives as it delivered excellent products which replaced other fibers used so far. It is considered to be the best material to wipe out all stains on furniture. If suppose you have spilled some liquid on table or some sauce in kitchen then a microfiber towel can be used to clean them perfectly without leaving a trace of the incident. This kind of towel is not only known for being the best absorbent and it also dries up quite fast.

Microfiber bath towels are extensively used at swimming pools because of its high absorption quality. When swimmers come out of the pool they wipe out their bodies using these. Also, since they are ready to use in very short interval of time as they dry up very quickly, the swimmer can use it again after the wash.

Microfiber bath towels are generally preferred by people living in colder regions where drying your towel daily after bath is not that easy. Even at room temperatures microfiber bath towels dry up much faster as compared to regular cotton bath towels, hence preventing your towel from acquiring mildew odor which initiates due to dampness.

Microfiber bath towel need special care while washing. An extra effort is required from your end to maintain such towels. You can easily wash cotton bath towels with hot water and soap in your washing machine, but washing these towels is a bit more elaborate. While washing a microfiber bath towel you need to follow the wash instructions given on your towel. By following these simple wash instructions you can enjoy using the microfiber towel for a very long time.

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Affiliate Masters Course: A Review

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The Affiliate Masters Course is one of the finest online education course if you want to make money by being an affiliate marketer.

It is a course that has excellent info on becoming the best affiliate that you can become and best part is that it is offered absolutely free of charge.

The experts in internet marketing have discovered and disclosed “the perfect affiliate system” With the free 10-day course that is aimed at helping you become a successful affiliate, you are guaranteed to meet success in online business! There’s no need to worry about anything. It is free of charge and totally hassle-free. Plus, you will following a step by step by process that would guide you through it all starting…

The course will teach you how to come up with a   unique  website concept. You will learn to brainstorm hundreds of profitable website niche ideas with keyword-focused content pages that are guaranteed to make you earn money… to attracting targeted, motivated traffic that redirects on your recommendations, and buys from the retailers you represent.

This is without doubt the ULTIMATE affiliate-earning resource for you.

One of the independent associateprograms.com authorities, Allan Gardyne has this to say about Affiliates Master Course:

“I don’t there’s any other report out there that is better at explaining to people how they can make the most out of affiliate marketing. What’s better? It’s free of charge!!”

The list of “firsts” developed by Affiliate Masters Course is endless.

In fact, the Affiliate Masters Course has become an Internet favorite. Not only is it updated regularly, it is also known for commencing a lot of “firsts” in the business. It is the one responsible for inventing the idea behind keyword brainstorming, researching keyword supply and demand, niche identification, and the creation of theme-based content sites. It was also the first, anywhere, to push for contextual text-based links.

Although in the past, the ideas that it introduced seemed to be a bit unacceptable, at present, it has become accepted and used by everyone all over the internet, and thus, all over the world. While everyone is still lagging behind the “old-new” ideas, this course was already out there giving away “new-new” ones.

Right now, the Affiliate masters revamped fourth edition is out!

Before staring your e-business, grab a hold of our course first because only then would you be able to start on the right track!

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Designer Perfumes That Leave a Sweet Smelling Trail

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Lovely is a women’s scent that smells of the fresh flowers and leaves a faint lingering trail from wherever she passes by. Women just can’t do without a fragrance as they all have a burning desire to smell good and look beautiful.

Though there are many different flowers used in making scents and perfumes but nothing can beat the smell of Rose which is the queen of flowers and has always been a favorite fragrance of the female genre in all ages. Nice smelling women’s perfumes help to stimulate the happy hormones that really make you more desirable and appealing. Women buy perfumes not as an accessory but as a part of their overall sense of self appraisal. Sweet scents ends up stimulating the happy hormones that keeps them up and about.

There are many brands of women’s perfume like Hugo, Boss, Calvin Klein and other designer perfumes and you also can’t ignore the sweet scent of the signature perfumes of celebrities that really make you smell classy. With the increase in awareness of the designer perfume brands women are becoming more and more attracted to buying the designer perfume brands that really end up making you the stylish women that you want to be.

Buying gifts for the special women in your life is really a very tough job as men are especially lost when it comes to selecting the best designer perfumes for the love of their life. They try to buy the one that appeals to them and makes their lady love look sexy and sensual. Buying men’s colognes and women fragrances are really great gifts for your family and close friends.

Designer brands have been developed for the fashion conscious women and the best thing is that they are not only available in perfume stores but can also be ordered through the online mode. It sure is the right of all women to look beautiful and smell beautiful too, so buying the perfect discounted fragrance will surely make her look more sensuous and appealing.

Most women are of the opinion that they have to pay a large sum of money for a good brand of fragrance but you can surely avoid this by shopping for discounted perfumes. Plus you also need to be careful as some of the stores that offer discounted perfumes actually offer imitation fragrances of the designer perfume brands so you need to be careful and visit the discounted stores that are reliable enough and sell genuine designer perfumes at discounted rates.

People who do not wish to overspend on designer brand labels can easily buy perfumes through the online medium as there are many cheap perfume stores online that really end up giving you the best affordable fragrances that you can get. You can also compare the price and brand of the perfumes as this is the only way that you can land up with the perfect collection of discount perfumes. Discount perfumes and discount colognes are being sold in the market at affordable prices and this is really done to meet the demands of the customers.

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The 8 Basic Punches Of Western Boxing

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The sport of western boxing has had a lot of fans since the early days of the late 19th century in America. Even when organized public fighting matches were still considered a crime punishable by time in jail and a fine they drew a horde of spectators. But then again, who doesn’t love a good fight?

Fighting way back then looked a whole lot different than fighting currently does. Over the years more science and research has been done, into human movement and fitness. The upright postures with hands held low that make early boxing easy to identify have been changed over the years.

In the 21st century, fighters appear more fluid, more aggressive, and in a crouched stance. Legs bent, body weight forward on toes. Unlike the fighters of yesteryear, today, a fighter today uses his hands as well as shoulders to obscure and protect that path that leads right to the “kisser”, or “button”.

The fighters main weapons continue to be his hands, while they also use a lot of holding, pushing, and leaning on strategies to wear down their opponent. With those weapons, there is generally an arsenal of 8 specific punches that a good fighter will develop. From these eight punches there is an incredible array of “combinations” that can be thrown as he tries to get past the defenses of the opponent in the opposite corner.

This list is a brief description of those 8 punches of boxing:

  1. “The Jab”. This punch is thrown from the lead hand. It’s quick, sometimes powerful and is used either to “keep your opponent off of you”, or to judge his distance while setting up a power punch.
  2. “The Cross”. This punch is from the rear hand and is a straight power punch. Usually used as a counter when your opponent throws a punch from the opposite side.
  3. “The Hook To The Jaw”. This punch comes from the lead hand from the side while keeping your elbow bent. The object is to come around the defense and connect with the side of the opponents face. The hook carries a lot of knock out power.
  4. “Rear Hand Hook”. Similar to the previous, because this punch comes from the rear, it’s generally used as a counter punch when your opponent has “left himself open”. The target could be the head as well as the body.
  5. “Lead Hook To the Body”. Again, from the lead hand “hooking” into the body. The target is mostly the ribs or kidney. This particular punch is so devastating that it, when landing successfully, has ended many, many fights with opponent still conscious.
  6. “The Overhand Punch”. This punch is a power punch also. It comes from the rear hand. It’s similar to the cross, however, it has a slight arcing motion to it. The purpose of this punch is go over the opponents targeting the face of the opponent. Imagine a baseball pitcher’s form and you’ll have the basic concept.
  7. “Lead Hand Uppercut”. The uppercut is used while the fighters are close. The object of this punch is to go under and behind the defense and land on either the chin or “solar plexus” of the opponent. The first is a knockout punch while the second is a “knock the wind out of you” punch that sets up the knockout punch.
  8. “Rear Hand Uppercut”. Very similar to the previous. Just as effective, but, carries a little less power. This is because the rear leg is not in position to generate as much upward force as the lead leg.

This list of 8 punches are what most boxers use as their arsenal against their opponent. Anyone can use them and they don’t have to be a boxer per se. Consistent practice is an excellent upper body workout that has many advantages. Not the least of which is building muscle while at the same time burning calories.

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Resveratol Supplement and Its Amazing Functions

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Used in laboratories, this product has been proven to have beneficial effects in cardiovascular, blood sugar lowering, anti-inflammatory, anti-cancer studies. Most importantly, this phytoalexin is found naturally produced in red grape skin and is profoundly located in red wine. The “French Paradox,” which implicated red wine as the reason why the French remain as healthy and slim as they do even though they eat a fat-laden diet with a tremendous amount of butter in it, may have found its answer. Thus it is hypothesized that it can counteract the highly detrimental effects of such high-fat diets.

Various researchers have created studies that found that various life spans could be prolonged with the use of this amazing finding. In one instance a maximal dose actually increased that median lifespan by 56%! Scientists were also amazed to find that the participants also showed greater physical activity and actually also exhibited better mental learning facility.

With further research on resveratol, it was noted that the levels of both insulin and glucose were being aided by this truly amazing phytoalexin! At this very moment clinical trials are being promulgated to investigate its effects on melanoma (various skin cancers) as well as for colon cancer.

In the laboratory it has been found to have positive effect on leukemia, pancreatic, prostate, esophageal, gastric, skin and breast cancers, thus many studies are underway especially where this phytoalexin can come into express contact with the cancer such as within the gastrointestinal tract or in skin cancers.Thus far all studies are highly promising, though exact doses have yet to be established by the medical community.

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How Long Does it Take to Paint a Wood Window?

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Well it’s all going to depend on the size and the design of the wood window, but you can plan on spending quite a bit of time, painting these intricate architectural items.

Let me give you an idea, I had to paint 7 wood windows, one time and these didn’t have any architectural details to them, they were simply plain old wood windows. The type of windows that were installed through out the 1950s and would need to be replaced or repaired, in the near future.

You’re going to find this hard to believe, but I used to paint the outside of the house, a small house, for $300, and a homeowner would supply me with the paint. I had to buy the rest of the materials, but I could paint the exterior of these small homes, in about a day and a half.

Except for the wood windows, this was a totally different story and I wouldn’t paint the wood windows each time I painted the house. I would often touch the windows up, but the amount of time that it would usually take me to paint these windows, was unbelievable.

Keep something in mind here, I could paint the entire house in about 12 hours, but it would take me about the same amount of time, just to paint the exterior of these windows and more than half of them wouldn’t open, because they were previously painted shut.

If the wood window has any sort of architectural detail, or any grids or divided lites, you could plan on spending quite a bit of time, painting each window. If you’ve never painted a wood window before, plan on spending at the least four to six hours, for window smaller than 3′ x 3′ and plan on spending at least eight to 12 hours, or more, for larger wood windows.

If you’re a contractor, who’s going to be bidding a job, you might want to contact a professional painter or at least get someone else’s opinion, before signing the contract.

If you’re a homeowner, and you hire a professional painter and they gives you a ridiculous bit, now you know why.

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His Dying Wish (Film Review)

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Have you ever watched a two-minute movie trailer and instantly knew you just had to see that movie? It didn’t matter if the movie was coming out in a month or if it was coming out in a one year. You just knew you had to see that movie. Well that is exactly what happened to me recently. Actress Crystal Nuchurch posted the trailer to her Facebook account in early January or February. It is a known fact that the purpose of movie clips or trailers are to entice the audience to make you want to see their film. Well this clip that I saw did not disappoint. It instantly drew me in with such force that I could barely wait the few months for it to premiere.

After viewing the many comments and likes on Facebook for the trailer I knew this movie was going to be big. And big it was. Almost every seat in the theater in Newark NJ was taken on June 9, 2016. Good thing I arrived early to get a good spot. I sat with my popcorn and beverage in hand as I waited for the drama to unfold before me. Five minutes into the film and there was a death that brought more than just emotional grief. Housewife Janet Harper portrayed by Crystal Nuchurch not only loses her husband Walt (David Harris) but she is about to lose her mind as well. Unbeknownst to her, her loving husband of over twenty years had a mistress. Talk about running as soon as you get out of the gate. Like other movie goers I yelled at the screen for Janet not to hit the much younger mistress Meagan (Carla Rodriguez) during a very tense moment. Janet’s witty yet hilarious neighbor Hannah (Faith B. Terrell) is by her side to help her get through this tough time. The suave attorney Steve (Ron Denson) tries to keep both women from killing each other. The film had its twists and turns that left me sitting on the edge of my seat waiting to see what would happen next. With the intensity of the scenes with a grieving wife and a mistress who holds a secret this film is something to be seen.

Writer Drica Armstrong and Director Larry Rosen put together a film and cast so beautifully that it literally made music. I truly enjoyed this film from the very beginning to the very end.

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