Cooperative Assignments – Creative Solutions in Today’s Real Estate Market

In the current real estate market, the ideal of a cooperative assignment is becoming more and more popular. In such an arrangement, a middle man comes in to affect what the home seller could not himself. Very often, it is used when a middleman gets a seller to agree to a lease purchase agreement and places a tenant buyer.
If there are serious prospective buyers for a property, then the owner has no need for a Cooperative Assignment process, but if not, then such a process may offer them a tolerable alternative to continuing to lose money. The vital component for the seller is that the property has a fixed mortgage rate, as it is much more difficult to lease out property when the monthly payment is subject to change.
Once a distressed home seller is found that is willing to accept a lease option that covers the PITI (principle, interest, taxes and insurance), thereby securing the seller's financial position, the person organizing the Cooperative Assignment then tracks down an appropriate renter that is looking to purchase a property through a lease option. The pool of candidates is much larger than those that qualify to buy the home outright, especially in the current climate where the bank's lending standards have significantly tightened. The great thing about a lease option for the buyer is simply that they get to live in the prospective home for a number of years prior to actually buying it, a number of years in which they can improve their financial position and be prepared to purchase once the option becomes due.
For the person organizing the Cooperative Assignment, most of the fees for the service are collected from the renter/buyers. Further, if the renter/buyers need some help with the upfront fees, this can be lent at a high rate of interest by the person organizing the Cooperative Assignment. The exact mechanics of the process, the fees charged, and the profit made depends entirely on how the organizer chooses to organize the arrangements. In some cases the organizer may serve as a fee-based third party consultant, while in other cases the organizer may become a principal in the arrangement organizing the entire matter as a "Sandwich Lease Option" (where the organizer serves as the official leaser with control of the lease option and then subleases the unit to the renters). The number of ways that a Cooperative Assignment can be organized is solely limited by the organizer's imagination and the willingness of the other principals to go along with the proposed agreement.

Add a Special Notice to Your Joomla 1.6 Site in a Module

Have you ever wanted to put a little notice on your web site, temporarily, that just announces something? For instance, maybe you want to announce that your book will be released in May so you can pre-order it in April. How do you go about doing that?
Log into the Joomla backend.
Click on the Module Manager or select Module Manager from the Extensions menu item.
The Details Section
--Click on the New icon, which is an orange plus sign.
--Select Custom HTML, about mid way through the options.
--Enter a title in the title field.
--Click Show or Hide the title. If you hit Show, the exact text your put in above will be the title field for the module.
--Select the position for the module. If you know what position you want, just type it in. If you do not, then click on Select position. If you use the Select position button, then click on the drop-down menu on the right-hand side for Select Template. Scroll through until you find the correct module and select it. If you still aren't sure what position you need, try running this command.

--Make sure the module is published.
--Make the access Public.
--Skip Ordering for now. It's easier to order the items when you're looking at a list of all of the modules.
--Put in the day to start publishing this module. In this example, you'd want to put in March 1.
--Put in the finish publishing date. In this example, it would be March 31.
--The note field is for you. The text will show up in the module manager, but users of your web site will not see it.
The custom output section
--Type your notice in the editor section. The editor that shows up will be the editor assigned in the user profile you logged in with. Most editors have an icon you can click on to get into the source code, or HTML. Often the button just says "Source," but sometimes it might say HTML or have a less than and greater than sign.
The Menu Assignment Section
--Decide where you want the module to show up. If you're not sure, set the module assignment to "On all pages." Joomla 1.6 has the new feature that you can select "all pages except the ones selected." Or, perhaps you only want the notice on the home page.
Click Save and refresh your website.
Put the module in the correct order
After you hit save, you'll be back in the module manager. One of the columns is called Position. Click on the word Position, and the items in the list will be sorted by the position they are in. The triangle to the side indicates if the order is ascending or descending. Look at the modules in the position your new module is in. Are they in the correct order?
If you want to change the order, click on the word Ordering at the top of the next column. A tiny diskette will appear next to the word Ordering, and little up and down arrows will appear in the columns. Use the arrows to move the modules into the correct order. Alternatively, you can type the order numbers into the text box. When done, click on the little diskette to save the order.
Refresh your website and verify it is correct.

Cost vs Value of Commercial Photography

Organizations hiring professional photographers for taking photographs of the corporate premises and industrial setup, calculate the cost towards out sourcing the photographic assignment. They generally call for 3 or 4 quotes/proposals from the local or domestic professional photographers for the assignment. In case, of international projects, companies may rely on advertising agencies to co-ordinate the photo-shoot assignments.
It is always easier to calculate the cost of hiring a professional photographer, which is generally mentioned in the formal proposal. Along with this basic costing, organizations have to also take into account the costs towards travel, lodging and boarding of the photographer along with his team. In case of multiple locations spread throughout a nation, the scheduling and timing of the availability of the local factory manager/staff, assisting staff and logistics have to be planned well in advance, so that there are not last-minute unpleasant surprises.
Value of Commercial Photography
Calculating the value of commercial photography is far more complex than arriving at a simple tangible figure for the costing factor. How valuable is the photography? There are several probable answers to this query.
One of the answers to this query is a yet another question: What is the end usage of the digital photographs captured? There are several applications for high quality digital images, to name a few: corporate collaterals like brochures, catalogs, banners, indoor and outdoor hoardings as well as other promotional materials like pamphlets. The same images can be used by the organization for the digital media like websites, blogs, Social Media Optimization (SMO) etc.
With several usages of the digital images, the photographic assignment becomes important and its value increases. Photographs that are captured with state of the art equipment along with through knowledge of an ace photographer gives a distinct edge over any other option, that although seems to be time and money saving in short-term, can prove to be an expensive mistake in long-term.
Another factor, in calculating the value of the commercial photography is the time and efforts required by a staff member who is an enthusiastic "amateur" photographer armed with just a point and shoot camera to capture the entire facilities of the organization. The resulting images will in any case be amateurish and not convey the appropriate corporate identity as envisaged by the top management.
As a professional photographer, you need to convince and educate the clients on the all importance of hiring a professional with years of experience and expertise in the field of photography. The end results will always be justified in terms of value addition to the company's corporate identity and overall corporate image in their clients and customer's minds.

What Is Your Purpose? Identifying What You Want To Achieve – Your Goals

What if you were to identify your life , you could achieve all of your goals and dreams? Goals are there to identify the actions you take to fulfill your purpose, not to be your purpose. Purpose is the driving force behind you setting the goals you want to achieve. Goals are merely a reflection of your overall purpose. But, as Dan Miller says in his book, 48 Days to the Work You Love, "A goal is a dream with a time frame of action attached."
Perhaps some of you read this article because you are you feeling confused, depressed, even hopeless about your direction. And, others may be brimming with enthusiasm yet seeking a system to record and live out positive changes you desire to make. However, some may be curious as to how knowing your life purpose could make any difference?
What you need to know is that your life purpose is about knowing who you are and what energizes you. Also, it is about realizing your natural talents as well as the contribution that is made to the world when you are utilizing your gifts. Your purpose gives you a new framework of value that begins to shape every action, decision, choice and moment of your life…especially when the flow of situations try to throw you off course. So, whether you are experiencing a crisis, elation moment, or you are faced with a transformational opportunity, it is important to stop and self reflect in order to identify your purpose. ALL goal setting revolves around your core purpose.
To identify this purpose, it is important to explore four primary questions:

  1. What are your ASSETS/STRENGTHS (they energize you)? 2. What are your EXCITEMENTS and ENTHUSIASMS (they energize you)?3. What do you REQUIRE TO BE STIMULATED?4. What is your PRIMARY LIFE ASSIGNMENT?
    For every new opportunity that comes along, I now ask myself how it aligns with my purpose. Regardless of how much money I could acquire, if the activity does not align with my primary life assignment, which is the core of my personal mission statement, then I do not pursue it. Here is my primary life assignment: "To stimulate, orchestrate, and implement initiatives that transform people, organizations and communities while in the process brings intrinsic value fiscally and personally ".
    How do you discover your real purpose in life? I'm not talking about your job, your daily responsibilities, or even your long-term goals. I mean the real reason why you're here - the very reason you exist.
    Robin Chaddock, in her book, How to Find Your Personal Path to Success: Living Out Your Passion and Purpose, talks about identifying your central strengths and central passions. She calls these two (2) identifications your divine assignment. The premise is that if your entire life is inundated in activity that revolves around living out your strengths and passions, you will ultimately be led in the direction that is God directed, offers contribution, and produces personal happiness and an abundance of energy. The expression of our strengths and passions contributes to a cause greater than ourselves.
    And yes, sometimes it takes a major crisis to wake up and realize the importance of doing the inner work of clarifying your true purpose. The good news is you don't have to stumble along with a 'trial and error' approach which can take decades. You can start today. Let's do that now.
    We will be utilizing an exercise that will help you to define your life purpose. It is important to think about your purposeful life assignment from the perspective of utilizing it in all areas of your life. Areas of your life where you are not engaged in your life assignment, you will probably notice that you feel lethargic when you perform these tasks. Additionally, it is common to want to continually procrastinate those activities we don't enjoy.
    Every company continually seeks to maintain an inventory of its assets. Individuals often maintain a financial asset inventory which is valuable in forecasting retirement needs and as well as present and future budgeting. A personal asset, enthusiasm and stimulation inventory serves the purpose of providing awareness in regard to what will fuel your growth in all areas of your life: spiritual, personal, emotional, career, interaction with others, fun, increased wealth, and cleaning up messes and stuff.
  2. What gives you energy? (Activities, people, events, hobbies, projects, etc.)2. What are the things that you want to spend hours doing?3. What activities make you lose track of time?4. If you had to teach something, what would you teach? How would you document and explain your most important message to others? What do you want them to learn in a lifetime?
    Exercise:Start out by making a list of your primary assets and then make a list of what excites and motivates you. The specific example below should help you in your brainstorming process. Then, you will be provided with a list of words whereby you will circle five in each category. You will circle five in the Primary Assets area and five in the Primary Excitements area. Don't forget to keep it simple. Goal setting is focused, simple, and specific to what you personally want to achieve in your life.
    Here's what to do:1. Take out a blank sheet of paper or open up a word processor where you can type.2. Write at the top, "What is my purpose in life?"3. Brainstorm answers that emerge
    So, let's begin with a quick brainstorming session and list the assets and excitements that immediately come to your mind. Then, create a list of the things you do not enjoy and you are not skilled in doing these things (ineffective proficiencies). Don't do a lot of thinking; but rather, just let the ideas flow and record them as they surface.
    Assets and Excitements• Assets, include the set of skills and abilities at which a person is very, very good. Everyone has many competencies, but only a few unique strengths. A person who utilizes their strengths is creative, energetic, and highly productive. Excellent work is the product of one's strengths.• Enthusiasms, include those activities that people absolutely love to do. They gravitate toward these activities whenever possible, often making time for them over other responsibilities. One's passions are the activities which bring immense energy.• Ineffective Proficiency, are the skills at the opposite end of the spectrum from unique strengths. Ineffective proficiencies, often called weaknesses, are those activities by which a person struggles. If necessary to use a lesser competency, a person lacks energy and enthusiasm, becomes easily frustrated and distracted, and generally produces below average productivity and quality.
    Specific examples of "Asset Words" are as follows (identify three (3) that represent you): accomplish, achieve, administer, assess, clarify, communicate, counsel, create, develop, discover, design, educate, evaluate, express, formulate, grow, identify, inspire, lead, manage, measure, mold, nurture, orchestrate, organize, preach, prepare, process, promote, radiate, represent, stimulate, strengthen, supervise, teach, understand, unify, and value.
    Specific examples of "Enthusiasms" are as follows (identify three (3) that represent you): balance, comfort, compassion, creativity, dignity, faith, generosity, honesty, hospitality, humor, joy, kindness, mercy, orchestration, peace, service, transformation, unity, wellness, and wisdom.
    Now pick one top primary asset word out of the three you picked and one primary enthusiasm word out of the three you picked. Each of these words equates to your primary assignment. In other words, ASSET WORD + ENTHUSIASM WORD = PRIMARY (or DIVINE) ASSIGNMENT!
    Now that you have identified your purpose, make sure that all your activities align with that purpose. You will feel energized and intrinsically rewarded.

Do You Love to Write?

Chances are you don't truly LOVE to write but do it anyway. Perhaps you have visions of your English teacher standing over you with a look of dismay over your writing assignment. Or perhaps you simply can't spell or can choose the right words. Whatever your reason, I can definitely understand.
For as long as I can remember I have loved to write; I guess that's why I love notebooks, notepads, etc. It didn't matter where I was, I was writing. I also vividly remember my dad, {God rest his soul} telling me that I should choose a different profession, since writers can't survive on what they earn. If only he could see me now, or perhaps he can.
My love of writing has extended to writing for others, writing for publications online and offline, writing on my various sites, drafting my first book which is being edited as I write this, as well as helping folks with their writing needs. My love of writing extended well past the expectations my parents had for me. Sure, I became a doctor and don't regret that for a moment. But, I have touched far more people with my words, than I could ever imagine.
So, my question to you is: do you love to write? If you do, don't let anyone tell you that you must stop. If you don't and find yourself going stir crazy, let us help you. First, you must relax, think happy thoughts, browse through books, magazines, watch television, whatever will help spark your creative juices. If all else fails, we are here to help you. After all, that's what I love to do, but more importantly I truly love helping others and if I can help with writing, helping you express your feeling on paper or online, then my job is complete.