Investing For Beginners – Best New Way To Make Money


It's all the rage, this brand new investing strategy that is changing the way "investing for beginners"investors think about making quick, risk free profits that perfectly take advantage of the new economy. It's called a mortgage assignment; pioneered by revolutionary "investing for beginners" guru Phill Grove with his Mortgage Assignment Profits System.
Let's face it, the rules have changed, the old days of flipping houses in ever increasing markets or getting bank loans to fund rental properties is over and new strategies must be developed especially for the "investing for beginners" camp, to take advantage of the new reality. Enter mortgage assignment.( a "investing for beginners" best friend)
"Investing for beginners" asks: What is it?
A mortgage assignment put simply is assigning the title of a home leaving the loan in place from a seller to a buyer. This works because of the new economy where millions of people who need to sell, cannot afford the closing costs and realtor commission traditionally associated with selling a home. At the same time, millions of formerly qualified for loan buyers like business owners, ITIN, and others can't get approved by a bank, but they still want to buy and are looking for creative options.
The mortgage assignment fits the bill as it is very attractive to this type of buyer because they have large down payments, tend to be a bit more sophisticated and demand certain protections like actually having the deed in their name.
Why it's best for new investors
1) Big profit potential.
These new buyers often have large down payments as much as 5% to 20% which goes straight into the "investing for beginners" investor's pocket, minus closing costs.
2) No Cost To The Investor
The way the contract works, it is simply an agreement between buyer and seller. You do not pay anything.
3) No Risk Investing for the "investing for beginners" investor.
Once again, the mortgage assignment is simply an agreement between the seller and buyer. No matter what happens, you are not responsible, even if the buyer at some point defaults.
4) Easy To Find
In this economy, homes with sellers that need to sell but have homes that are at or near being underwater are literally a dime a dozen. The reality is, there are going to be a flood of these for years to come, and there is more than the competition can handle. It's a buffet of deals
5) Easy To Sell
As explained above, the pool of creatively financed buyers has exploded to the point that these types of mortgage assignment homes actually often sell 5 to 10% above the traditional MLS ARV value.
Yes, mortgage assignment is for real and is definitely the new thing that is shaping the nation. If you are in the "investing for beginners" category and you want to get your feet wet making fast cash the risk free way, then the mortgage assignment is the best new strategy for you.

Expatriate Assignments – The 18 Mandatory Requests


ACTUAL CASE HISTORY: Dennis was considered a rising star in the field of financial management software. At 39, he'd risen steadily over the years, and now worked for the third largest financial management software distributor in the U.S. As his company's National Sales Manager, he had taken company sales higher and higher for four years straight. He'd also expanded sales into the area of financial management for non-profit organizations, a fast-growing niche. His future seemed very bright.
His company's sales in Europe, though, had lagged repeatedly. Despite several changes in their European sales leadership, sales volume continued to disappoint. When the company's CEO asked Dennis if he'd consider a two-year stay in Germany to rebuild the European software sales team from the ground up, Dennis was receptive. His wife was supportive, and since the kids were just 5 and 8, they seemed still young enough to be very adaptable. Dennis and his wife viewed the assignment as a great career opportunity, as well as a great family adventure. And that it was.
Four months later, Dennis, his wife and the kids had arrived in Dusseldorf, Germany, a charming yet vital city. They'd leased their home in Dallas for the two-years they were to be away. The kids were in an English-speaking school attended by other elementary-age sons and daughters of other expatriate parents. Their Dusseldorf house was leased for them, and even the household help were arranged by the company's local representatives. Dennis planned to revamp the European sales team from the bottom up, one by one, with local salespeople to be identified by local executive recruiters. Initial hiring efforts were promising.
Then came the truly unexpected: seven months into the new assignment, with little warning of any kind, the company was sold to a French conglomerate, with their own ideas about European software sales, and their own Director of Sales, too. Dennis was notified that his services were no longer needed, but that he would be given a fair and reasonable severance package. Dennis inquired about arrangements for his family's return to Dallas, including such things as return flights home, shipping the family's belongings, and finding his family a home in the Dallas area. He was assured that all of his concerns would be addressed.
The rest was, as we say, "not nice." Dennis was presented with a separation agreement that, he was told, had to be signed before he could find out what assistance he and his family would receive in returning home. When Dennis balked at signing it, his salary payments were halted. Then tuition payments stopped. Even their housekeeping services were withdrawn. The people who'd assured him he'd always be treated like "family" were, themselves now "divorced" from the company. HR representatives who he knew for years told him they were powerless to intervene. Dennis was now dealing with people at the new parent company he'd never worked with before. Unfortunately, he had nothing in writing that would give him a legal right to anything.
LESSON TO LEARN: An overseas, "expatriate" assignment can be a "feather in your cap," a step in the path toward being assigned greater responsibilities. But going "expat" involves a multitude of risks, and unusual ones at that. If there's ever a time to "fold your parachute first," it's before you "fly away" on an overseas assignment, taking your family, your household, and your career with you. While the vast number of expatriates who travel overseas come home with fair, reasonable and proper treatment, those who get into difficulties in this regard find themselves in some of the most difficult and harrowing circumstances you might imagine. Before you make the move to an overseas assignment, there are certain requests you must make, and certain written assurances you shouldn't leave home without. Whether your company has a comprehensive expatriate program or none whatsoever, before agreeing to take the overseas assignment offered to you, consider our "Expatriate's18 Mandatory Requests."
WHAT YOU CAN DO: These are the items we suggest our clients raise, and hopefully resolve in a written agreement of some kind, before agreeing to take an overseas assignment.
A. Finance and Career-Related

  1. Salary Differential: You may find that, while your present salary suffices to provide you and your family with a comfortable lifestyle stateside, that same salary wouldn't provide anywhere near that standard of living in, say, Singapore, Hong Kong or Tokyo. Your best bet is to speak with other American "expats" presently living in your country of assignment to get their view of the comparison, and necessary differential.
  2. Tax Equalization: How would you like to be hit with income tax bills based on your compensation from each of two different countries? That may happen unless someone with expert knowledge makes sure it doesn't, and will be there in case it does. Most companies provide "tax equalization," which means that they'll make sure that your after-tax income - no matter what - is equal to what it would have been if you'd stayed stateside. These are very tricky calculations, made only by very few accountants with special knowledge and expertise in this field, who need to be familiar with the laws of many countries. Only three or so large firms do this kind of work. It's doubtful your own personal accountant can help you here. Remember that for the calendar year 2006, for example, you may need this specialized assistance - at the company's expense, hopefully - for a tax audit in 2010.
  3. Minimum Term and/or Notice: Knowing that you will be employed for at least a minimum period of time, and/or knowing that you will have at least a certain amount of notice before termination, are two important "risk-limiters" we always seek. Nowhere are they more important than in expatriate assignments. Whether it's until the end of your children's semester at private school, or the time you think it might take to find a new position - from 5,000 miles away - you should seek these.
  4. Currency Swing Risk: Do your remember the Russian bond default of 1998, or the Asian currency crisis of 1997? They each wreaked havoc in currency markets around the globe. If such things do happen again - and you can depend on that happening, sooner or later - who is more capable of absorbing the risk of your salary becoming insufficient to pay your bills in another country: your family or your employer? This substantial risk should be addressed before you venture overseas.
  5. A Job When You Return: This is one of the most difficult requests to make, and to get written assurances about, but nonetheless the largest risk you face in taking an overseas assignment. Once you're "out of sight," you tend to become "out of mind," and at times available positions become few and far between. Will a position be found for you, no matter what? That's the question.
    B. Travel and Moving Related
  6. Flights, etc.: Necessary flights you may need include (a) for initial house hunting, (b) your actual relocation, (c) flights home 2 or 3 times a year for holidays and the like, (d) flights home for family and medical emergencies, (d) flights home for reverse house hunting, and (e) for your return, preferably to the U.S. city of your choice (as your next job may be in a different city than you came from.) Your flight-rights will need to cover your immediate family, at the least. For those with kids in college, you may need to arrange special trips for them to come to visit you. Will you fly first class or red-eye in coach? Will you be provided tickets, or reimbursement one year later?
  7. Shipping and Storage of Household Goods: Beware of limits to be placed upon the extent of your moving household goods. Expect that you won't be provided any assistance for storage, unless you ask. Consider seriously requesting either a greater allotment for shipping, an allotment for storage, or simply a budget for purchasing new household goods in your country of assignment.
  8. Home Sale Expense and Loss Protection: It is not unusual at all for an employer to cover the home-sale costs and potential losses an employee may suffer in taking an overseas assignment. These commonly include realtor fees, legal costs, and local transfer taxes. For senior executives, in particular, these may include the increased price of buying an equivalent home after repatriation.
  9. Emergency Leave Policy: Over the course of a year or two, you can expect emergencies of one type or another to arise that require that you travel to your home. These may include family illnesses, deaths of friends or loved ones, even lawsuits. Some companies cover the cost of travel in these circumstances, some subsidize such travel, and some don't help at all. Don't be shy about asking about your company's policy, if any, and don't be shy, again, if it is not to your liking.
    C. Local Life and Housing Related
  10. Housing Allowance: It's uncommon for a temporarily-assigned executive to purchase a home during a relatively short-term assignment. Some companies own homes they provide to "expat" executives, but most expect their executives to find and rent their own housing. Especially for a family with children, this often proves prohibitive. In addition to outright salary differential, a specified housing allowance is preferable, and should be requested.
  11. Tuition Allowance: Those with school-age children need to make arrangements for local schooling. Most cities of significant size have English-speaking private schools for expatriate children. In smaller cities, private tutoring may be the only education alternative. Both of these alternatives will require sufficient tuition allowance.
  12. Local Club Memberships: In locales where the local culture is very different than your own, or security is a grave concern, it's not uncommon to see social clubs set up for the international expatriate community. One good example is Saudi Arabia, where socializing in "public" is really not feasible. The social clubs are often quite expensive; their dues should either be paid for you, or at the least subsidized.
  13. Local Critical Care and Support: If a problem of a critical nature arises, will your company provide you with (a) local legal help, (b) local medical help, (c) emergency flight for distant medical help, (d) private security if appropriate, (e) evacuation in tense political, weather or earthquake situations? We often forget how fortunate we are in the U.S., and how those in other countries have daily concerns like these.
    D. Legal and Technical Matters
  14. Immigration Matters: When crossing borders, visas, work permits and the like can be maddening. In some countries, under certain visas you cannot remain in the country more than 24 hours after you've lost your job. Will the company provide you with immigration attorneys BOTH when you leave and when you come home? Will they reimburse you for your own immigration expense? Don't ever expect sympathy or flexibility from border guards, or immigration officials.
  15. Identity of Employer: This issue usually surprises people, because it is just so unanticipated. Many companies operate overseas through local subsidiaries for tax, regulatory and legal reasons. To accomplish this, expatriated executives are sometimes "assigned" or "seconded" to the local subsidiary, who employs them. This can have profound consequences to the executive, including the loss of protection of U.S. laws, the cessation of stock and stock option vesting, and removal from the parent company's other benefit plans (such as long term disability, pension, and bonus.)
  16. Continuing Obligations: In our efforts to limit risks, we request that the matters noted in this memo be raised with employers sending employees on overseas assignments. Certain of the obligations that we ask employers to assume are different than the others, in that they need to expressly continue past any possible employment termination. This is so because after employment ends, unless it is agreed otherwise, all obligations from employer to employee, and vice versa, cease; there's no implied agreement to continue providing services or fulfilling obligations. As just two examples, (a) if your employment is terminated by your employer, will your employer pay for the accountants to prepare your "equalized" tax returns in the following year?, and (b) if your employment is terminated by your employer, will your employer pay for the costs of breaking a local apartment lease? The items in this list that, more than others, need to expressly survive employment termination are 2, 6, 7, 8, 10, 11, 12, 14, 15 and 17.
  17. Binding on Successors and Assigns: In most every commercial agreement, the parties provide that the obligations are binding on the parties' successors and/or assigns. That means that, if a company buys your employer, or even its assets, then the purchasing company is responsible for the obligations of the purchased company. In these days of mergers and acquisitions, this is a very important risk limiter for expats.
  18. MUST be (a) In Writing and (b) Authorized: No matter what you may be told by HR, your supervisor or the company's legal staff, verbal assurances on these matters are simply insufficient to protect you and your family. The same goes for "It's company policy," because "company policy" may change while you're living in Bangladesh. If it's clearly not a problem now, it needs to be clearly not a problem later, and the only way to make sure it's clearly not a problem later is to have it in writing. Additionally, the person who signs any agreement to cover expatriate risks needs, too, to represent that he or she is authorized to do so. [As an aside, be extra careful if you're not married, but in a domestic partnership; special wordings will need to be made in this event.]
    There are many rewards to taking on, experiencing and fulfilling overseas assignments. But in every transaction, there's something more than "rewards" that we need to focus on: "risks." In our employment negotiations, a critical part of our efforts is always devoted to "risk limitation." Those considering expatriate assignments must pay special attention to risk limitation, and this is how they need to do that.
    These are not all of the risks faced by expatriate executives, but they are the primary ones that we've seen cause our clients the most serious problems. Every person, every assignment, every company and every transition has unique problems. You should try to customize your solutions to the particular concerns you have about your particular circumstances.
    A note about our Actual Case Histories: In order to preserve client confidences, and protect client identities, we alter certain facts, including the name, age, gender, position, date, geographical location, and industry of our clients. The essential facts, the point illustrated and the lesson to be learned, remain actual.

Are You an “Old School” Real Estate Investor, Yet?


This morning, I heard the reporters say the government is now considering increasing the minimum down payment to a whopping twenty percent (for real estate purchases). This is for the average home buyer, not just for people wanting to purchase investment properties.
It does not take a rocket scientist to surmise that if this notion passes, it will most likely have a large negative effect on the number of home buyers that can come up with the large down payment and qualify for the increasingly stringent lending criteria.
Is twenty percent down good or bad for the modern real estate investor?
When I first started investing, our massive real estate bubble had not happened yet, and foreclosures were not everywhere. At that time, the typical real estate investor was doing deals that were coined alternative real estate financing. In a nutshell, alternative real estate financing means the real estate investor comes up with ways to either keep the financing intact or to work with the seller (or other private money source) to derive new financing, in order to do the deal. Traditional bank involvement was not necessary.
I'll call this approach the "old school" style of investing. It really centered around the investor's skills to negotiate with the seller (and perhaps new buyer) and to be able to see a profitable transaction where others could not.
In a surprising way, the skills involved to do these deals are probably more advanced than, say the skills to wholesale a bank owned property.
For the savvy investor, it seems that if the government wants to make the lending criteria even more rigid (than today) this will most likely open up more deals for real estate investors. And here's why:
One, the desire to own a home does not diminish even though lending criteria gets more stringent.
Two, there are plenty of potential homebuyers, who have been crushed by unemployment and would want to purchase a property after their financial picture improves.
Three, there are plenty of potential home buyers who are self-employed that find even the current lending criteria almost impossible to get loans.
Four, there are also plenty of homebuyers that have lost their property to foreclosure that would be looking to purchase another property. And with their damaged credit, they would be almost certainly denied typical mortgage loans.
So for the savvy real estate investor, I say let's consider adding the old school style of investing to our current techniques. Life can be a lot easier if you only have to work with sellers and buyers. Note however, that the savvy investor must know how to calculate appropriate offers with these old-school techniques. Major pitfalls can happen if all the transactional details are not appropriately accounted for.
After years of doing these equations by hand, my partner and I have developed a software program that gives us an unfair advantage when computing offers and making deals. We can actually iterate all of the variables, including interest rate, loan terms, rental repair cost, vacancy factors, monthly rent, desired cash flow, and first year pretax cash-on-cash return, while we are on a call with the seller (and so can you).

Phil Grove – Assignment Of Mortgage, A Student’s Perspective


Phil Grove and his Assignment of Mortgage Payments System or AMPS has been all the rage in the investing community promising to deliver a relatively low-cost, easy to implement investor strategy that provides a solution to the problem of all the "sellers" who are stuck in their homes with no equity and can't get out.
Since many people nationally are now interested in this system, they are definitely scouring the web, and calling anyone they can trying to find an honest to goodness perspective from a Phil Grove, Assignment of Mortgage Program, student.
I happen to be one of these students and from my personal experience, let me say that there are few things that I can say about Phil Grove as an AMPS teacher that would be of interest to anyone looking to get to the land of profitable deals.
I've seen a lot of courses and read loads of real estate investing books but none of them are even close to as thorough as Phil Grove in his Assignment of Mortgage training. Phil has a knack for explaining ideas in a way that is understandable, while also highlighting what is truly essential so you can get to deals as quickly as possible.
Also, in rating Phil Grove as an Assignment of Mortgage teacher, I have to say you have no doubt that this is a guy who got this knowledge "in the street," finding deals the old-fashioned way. He is totally not afraid to get dirty and I have seen him go on site multiple times to evaluate potential deals.
The longer I listened to the "other gurus", I got the impression that most of these so-called "experts" really hadn't done that much investing themselves, and made most their money selling coaching.
I can tell you, when you talk with Phil, it seems like he has an answer to everything. I have grilled him at times with questions and he always has the answers. It is not surprising Phil Grove's Assignment of Mortgage Program is a creative solution to the huge losses of this economy that, with the AMPS system, turns it into a huge opportunity.
Thus, from a student's perspective, I have found Phil to be very through, and knowledgeable about getting deals. Phil Grove and his Assignment of Mortgage training has certainly been useful to myself and my team in finding owner finance deals in this economy.

What Is the Difference Between an Essay, a Dissertation and a Thesis?


These three assignment types; essays, dissertations and theses are all important to students because at some point in the life of a student, there will be the request to complete at least one of the assignment types listed above!
Essays, dissertations and theses are all types of academic documents, produced by scholars and students and based on a specific question, subject matter or dilemma. They are used by colleges, schools, sixth forms and Universities as a means of determining how well a student is performing in a certain subject area and how well they have grasped crucial knowledge about a particular subject. And yet essays, dissertations and theses' are also often used to see how well a student is able to respond to specific questions on a particular subject matter and how well developed their skills are in terms of actually writing essays.
So what exactly is an essay? What is a dissertation? And what is a thesis?
The online dictionary defines an essay as; '(a) a short literary composition on a literary subject, usually presenting the personal view of the author, (b) something resembling such a composition.'
The online dictionary goes on to define a dissertation as; 'a treatise advancing a new point of view resulting from research, usually a requirement for an advanced academic degree.'
And finally a thesis shares the same definition as a dissertation on the online dictionary website, with one crucial difference; a thesis is usually longer than a dissertation.
So ultimately an essay, a dissertation and a thesis all share many traits:

  • They are all literary compositions; that is to say that they are written documents or pieces of text.
  • They all reflect in some way the author's point of view.
  • They are all based on some form of research.
  • They are all discussing some form of topic or subject matter.
  • They can all be used as a means of academic testing.
    However, there are differences between these three academic assignment types, and when you are completing either an essay, a dissertation or a thesis it is important to know what it is that defines the document as either one of these forms or assignment types so that you can ensure that you approach the completion of the document correctly.
    Some of the main differences separating out these three document types are:
  • Essays are generally shorter than dissertations and theses.
  • Essays are usually used to explore an argument or to provide more information on a particular subject. Thus you'll find that most essay questions start with 'who, what, where, how or why'. They are looking for a conclusion to be drawn by the author, following an assessment of research that is already available.
  • Dissertations are usually looking for the author to find new evidence to draw a conclusion about a specific subject matter, as the definition states, to 'advance a new point of view'. This means that dissertations are looking to add to the research pool on a specific subject, not simply discuss research that is already available.
  • Theses usually hold the same aims and goals as dissertations, but the level of exploration and investigation into a particular subject matter is greater, and so the length of a thesis is generally longer than that of a dissertation.

Mortgage Assignment – Three Keys For Profit Success


The Mortgage Assignment is the all new, no risk strategy invented by the Guru of Guru's Investor Phill Grove. It promotes a no risk; no money down investment strategy that essentially allows the seller of home to sell his house while the existing bank loan stays in place, enabling a buyer to buy a home without getting their own financing.
To take advantage of this system there are three key things that the real estate investor must master.
M.A. Key 1
Finding the deal:
In today's market, there are millions of home that have little, to no, or even negative equity. For various reasons, the owners of these homes want or need to sell. Traditionally, Realtor/closing costs have been paid out of the equity in the home, but if you don't' have any equity then it has to come out of pocket.
This means a $5,000 to $30,000 bill.
OUCH!
Most sellers can't afford that.
Mortgage Assignment style marketing basically targets this particular type of motivated seller. You must master this to get the deal
M.A. Key 2
Finding a buyer:
Since the banks have become very strict on lending for homes. The number of buyers looking Mortgage Assignment style financing has exploded.
That means that Mortgage Assignment type homes have become magnetic. I myself have generated 15 to 30 calls a day on these homes (using proper marketing).
You must master this if you going to find a buyer for the home and make the big bucks off the down payment
M.A. Key 3
Doing the contract:
Doing the contract is essential to making a no risk deal that protects you, the seller and buyer. The Mortgage Assignment Profits System does this and you will have get this handled to start making risk free money.
At the same, if you don't' get this handled, you, the buyers and seller are all at risk. So you must be careful, the investor in this situation has an obligation to protect everyone in a win/win scenario so everybody comes out on top.
As you see, there is a lot of opportunity out there with a mortgage assignment profits system in place. Get the three keys above handled and you will be rocking and rolling the real estate investing world.

How To Buy An Assignment Condo


In the past few years, some cities around the world have experienced booming condo construction markets. These condos are purchased by investors from around the world in addition to some local end users. For investors who bought a new condo from a Developer several years earlier and whose current plans have changed, this is an opportunity to sell before they have to incur closing costs and Developer levies. For buyers who want a brand new condo without having to wait years for construction to finish, or who cannot find what they want in the resale market, Assignments offer a greater selection AND potential savings.
An "Assignment" means you are taking over the contract that the original purchaser holds with a Developer. This works really well if you have a large cash down payment available, although sometimes a smaller amount can be negotiated. Generally what happens is you pay an amount equivalent to the purchaser's deposits to the Developer PLUS the purchaser's profit (the difference between the original purchase price from many years ago and today's selling price). You then are able to move into the condo when it reaches the occupancy stage. When the building registers, you then take out a mortgage and pay the balance owing on the condo to the Developer.
It sounds complicated and it is. However, as long as you hire a real estate agent and a lawyer who are competent and experienced in handling Assignment sales, the process is very straightforward. The advantage to you is that the Assignment market tends to be a Buyer's Market -- there are often many listings in these markets and few buyers -- which means that you can often get a great deal on a brand new condo with little or no competition from other buyers.
That said, locating Assignment sales can be difficult. Generally, Developers do not allow Assignments to be advertised on the Multiple Listing Service systems so these listings are offered by brokerages as Exclusive listings. Some real estate brokerages hold a large number of Exclusive Assignment listings in-house. In addition, these brokerages network on a regular basis with other agents in their market who have Assignment listings, which makes it easier to find listings that meet a buyer's criteria.
Once an agent locates potential properties for you, if they are experienced in this area, they can help you understand the specific details offered by each Assignment such as purchase costs, closing costs, understanding floor plans, upgrades, and many other details. In some cases, the building may have reached occupancy and you can actually view the condo already built. In other cases, you will be buying from Developer plans just like buying a pre-construction condo.
When you are ready to make an offer on an Assignment, you'll need a carefully structured Assignment contract. You then need to work closely with your Buyer's Agent, your lawyer, the Developer's office, and the listing agent to make sure your best interests are protected throughout the transaction.
The most important thing is to hire a Buyer's Agent, but be sure to ask them whether they have done an Assignment in the past and HOW MANY assignments have they done. Many agents have never done even one and you just might be their guinea pig!

Smartphone Apps for Students


When smartphones first came out, many schools banned them because students used them during class to play games or even cheat. However, as time has progressed, so have the apps for smartphones. Sure, there are still plenty of games that are out there, but there are now more apps that can help students on a day to day basis. Students now have the option to download apps that fit their study needs and help promote productive students and study times.
myHomework is a free app that can be very helpful for someone who has trouble remembering when assignments are due and what they are. The free app lets you track your classes and class schedule as well as organize homework assignments for all of your classes. You can also input when you have a test or an assignment due. It gives you an easy way to view of your assignments; a calendar view has your assignments organized by date, and when you click on a date it gives you a list of your assignments due. The only downside to this app may be that you have to register the app on their website so that you can sync your computer to your smartphone.
Another app is called Evernote. This app has won many awards and is highly recommended for just about anyone, not just students. It is very user friendly and allows you to record video, take photos, and take notes so you can remember everything possible. The app also can sync up to your computer or other device so no matter where you are you have your notes. It has other features like note sharing and collaboration of projects with friends, classmates or coworkers. You can even save your favorite webpages with links and everything on that page, plan your next trip with itineraries, maps, and official travel documents, or take pictures or notes of items you like online or in person so you can always remember it.
If you need help studying and your normal study tool is a set of flash cards, this next app is for you. gWhiz, LLC has an app available in iTunes called gFlash+ Flashcards & Tests. The app is great for any type of student, whether in high school or graduate school. gFlash+ is a free app that allows you to create and edit you own flash cards, and you can even add different aids to your cards like video or audio clips. You can even integrate your Google Docs with this app so you can create spreadsheets then upload them into your app. When you use your app for studying you can shuffle or scramble your cards, create different card groups, or combine or mix you decks of cards.
If you have an iPhone, Blackberry, or an Android phone, be sure to use it to your advantage. Don't abuse the chance to use your smartphone apps for class by playing games or texting friends during class. Some instructors will allow you to use your smartphone during class if it will help you academically. Of course, if you take your classes online they can't tell if you are using your phone, but you might as well use helpful apps so you aren't distracted during class, even online.

What is the Bible?


This is the Book Christians trust to direct them in their faith in God. This is a fundamental part of a Christians life for it teaches you how to grow in your salvation. Many trust it for it is the voice of God directly in you. This is the Living Word of God. It is incorruptible and will never change. It has power today, did 2000 years ago and will still have it 5000 years to come. Without this book, the Christian faith is baseless and meaningless.
God uses the Bible to speak to us. He does not have to speak to you directly but can chose to direct you to a chapter or a verse in this Holy book. He has done this for me innumerable times and so has he for millions of Christians all over the world. All you need to do is trust that word and obey it. This book is very much alive for it is the word of God.
God intended for Christians to use the power given to them in the Bible to fight trials and temptations. Whatever you are going through, find a relevant scripture in this mighty book and denounce your situation. If God could do it for the people featured in this book, he can also do it for you. Find encouragement, strength and comfort in this book too. Whatever you do not understand, ask God to give you wisdom and knowledge. Ask that he may reveal the truth in his word as you read through this powerful book.

Introducing H2 Chemistry Tuition Students To Chemists

In order for H2 chemistry tuition students to fully embrace and understand the subject, they require a clear comprehension of its subject value. This starts with understanding the role of the chemist, the different fields they work in and the type of work they do.

Introducing Chemists

Chemists are the people who transform the day-to-day materials around us into remarkable items. Some chemists tackle cures for cancer while others check the ozone shielding us from the sun; others find new products to make our homes pleasant in the winter season, or new textiles to be utilized in the latest fashions. The knowledge got via the study of chemistry opens up lots of occupation pathways.

Major Branches of Chemistry

The main major divisions of chemistry are natural chemistry, inorganic chemistry, analytical chemistry, physical chemistry and biochemistry.

  • Inorganic Chemistry is the research study of compounds that do not have carbon.
  • Organic Chemistry is the research study of substances that contain carbon.
  • Physical Chemistry is the research of heat, electrical energy, and various other types of power in chemical activities.
  • Analytical Chemistry is the research of the chemistry of matter and the development of tools made use of to measure properties of matter.
  • Biochemistry is the research of chemical procedures that take place inside of living organisms.

Chemistry Is Not Just About Theories

Besides the lecture component that requires memorization of the essentials, math abilities, and recognizing ideas, chemistry calls for application and rational skills. You additionally have a laboratory portion to undergo. Chemistry is really a time-consuming course. You might need to bring those experiments in the house if you need to.

Chemistry is a subject that you can enjoy as a result of the new thing that you will certainly be experiencing. Your pre-conceived ideas that this science topic is difficult because of what various other students state may affect your assumption. Remember that chemistry is a subject that can be learned. That's why they educate it in school.

Chemistry occupations in chemical design

Chemical designers function throughout a variety of markets, consisting of oil and gas, energy, water treatment, plastics, toiletries, drugs and food and beverage. Processes vary within each of these areas, but chemistry and chemical design roles are found all over, and are immediately associated with the composition, development, production and manufacturing process of chemical items and components. Scientists are common within chemical engineering and are often charged with creating and creating brand-new chemical methods, regularly combining various other innovative and arising scientific fields such as nanotechnology or biomedical engineering.

Chemical designers make sure the effectiveness and security of chemical procedures, adjust the chemical cosmetics of products to fulfill ecological or economic needs, scale up chemical processes for making purposes, and apply new innovations to improve existing processes. It deserves keeping in mind that though those who examine chemistry at college level are excellent candidates, a lot more engineering-related and specialized functions will be reserved for design grads and postgraduates.