Real Estate Ownership – Condominium or Fee Simple

There is a common perception of condos as being apartment style buildings, of townhouses as two-story row homes with adjoining walls, and of garden homes as free standing houses on small lots. Unfortunately, this perception creates some confusion about real estate ownership . Apartment, townhouse and garden home describe the construction layout and design of certain homes. The word, condominium, should not be used in this context.

Condominium does not refer to a type of building or construction design. It refers to a form of ownership of real estate. Condos cannot be recognized by observing the building style.

Condominium Ownership

In a condominium, the owner has individual title to the inside space of his unit. Sometimes the space is described as beginning with the paint on the walls. The unit owners also have an undivided interest in the physical components of the buildings and land. The legal definition of condominium is: The absolute ownership of a unit based on a legal description of the airspace the unit actually occupies, plus an undivided interest in the ownership of the common elements, which are owned jointly with the other condominium unit owners.

Condo projects that are built as multi story apartments are usually recognizable as condos because they don’t have land under each unit. In these developments, the condominium association normally maintains the exterior of the building and common grounds, but not the interiors of the units. An insurance policy is usually held by the association to cover the jointly owned parts of the property, while the individual owners carry insurance for the interior components of their unit. The owners pay a fee to support the maintenance of the common areas. A condo association is formed to make decisions about the expenditures for repairs and handle administrative work to manage the common areas of the project.

While some condo projects look like lofts or apartments, others may look like duplexes, townhomes, garden homes or residences on regular lots. Generally, creating a condo regime allows the developer to get more density approved than he would if he had done single ownership lots. This is usually the reason why the condo regime is chosen over the single ownership of lots. It is possible that a condominium may just be two units of a duplex. In this case the two owners may jointly make decisions concerning maintenance of any common areas. By setting up the units of a duplex as two condos, the owner is able to sell them separately to two different owners.

Know the Rules in Condo Ownership

If you are considering purchasing a condo, it is very important to read the condo documents carefully. The rules of each condominium are specific to the development, so no assumptions should be made about their requirements. The condo documents specify what maintenance is covered by the common budget. In one case, the association may handle all exterior components, decks, pools, sidewalks, driveways, etc. In another, the documents may require that the individual owners be responsible for complete maintenance of their units, including foundations, roofs and exterior walls.

After reading your condo documents carefully, you may have questions about the division of work between the individual owners and common budget administered by the condo association. Your best option is to present your question to the condo board itself. The board can clarify how the issue has been handled in the past, or give you their interpretation of the rules. Another course of action is to ask a real estate attorney to review the documents for you. Other homeowners, Realtors or maintenance workers are not reliable or appropriate sources for the interpretation of condo documents.

The Texas purchase contract for condominiums has a provision that the buyer be given a copy of the condo documents, with a certain period of time to review them. The buyer may decline the contract with no penalty during the document review period. A resale certificate is also required to be signed by the association president or manager. This form answers questions about current budgets, special assessments, insurance, lawsuits and other matters that affect the association.

Fee Simple Ownership

In contrast to the condominium regime, you may own real estate by fee simple. Fee (from the old word, fiefdom) refers to legal rights in land, and simple means unconstrained. Fee simple ownership is the absolute and unqualified legal title to real property, including both buildings and land. This is the most commonly used type of ownership.

Know the Rules in Fee Simple Ownership

In a fee simple type of ownership, there are several possibilities with respect to the obligations of ownership:

(1) The property may not be in a subdivision at all. In this case, there will be no subdivision restrictions attached to your deed that affect your use of the property. Keep in mind that you may still be governed by city or county ordinances or zoning laws, and there may be in existence previous deed restrictions limiting your use of the property.

(2) You may be a part of a subdivision that has very minimal restrictions, no common areas, no architectural control committee and no mandatory dues. Usually these are older subdivisions.

(3) You may be in a townhome project, a garden home community, or a subdivision of homes on larger lots in which there is a legally created homeowners association. If so, each homeowner is required to be a member of the association. Many associations charge mandatory dues. The association may require a certain level of maintenance by each property owner and enforce subdivision rules. For example, you may need association approval of paint colors, fences or home remodeling.

As in the condominium form of ownership, fee simple ownership does not prescribe how developments are governed, or how maintenance is handled. For example, a townhome project, with fee simple ownership, may require the owners to fully maintain their units. Or, the townhome association may handle exterior maintenance and yard work for the owners. In subdivisions with single family homes on larger lots, it is more common for the homeowners association to manage only entrances, common grounds, parks and pools, while the individual owners maintain their own properties.

Understand Your Real Estate Ownership

Whether you are buying into a condominium regime or purchasing a fee simple property, you should have a clear understanding of the type of ownership you will have in your property.

If you are buying a condominium, you should read the condo documents carefully to understand how maintenance is divided between individual owners and the common budget.

If you are buying a fee simple property, with individual ownership of the land, you should read the deed restrictions (if any) to understand the rules that apply to your property. In fee simple ownership, there may be mandatory dues to pay for common area maintenance, or, in some cases, the dues may pay for partial maintenance of the individual properties.
If you are not clear about your ownership of a property, or have a question about your obligations as a homeowner, it would be wise to review the title documents with a real estate attorney before proceeding with your purchase. Don’t hesitate to ask questions! A clear understanding of your ownership and obligations leads to a more satisfying home purchase.

——————– Roselind Hejl, CRS, is a Realtor with Coldwell Banker United in Austin, Texas. Her website: Austin Texas Real Estate Guide offers homes for sale, search MLS, buyer and seller guides. “Let Roselind help you make your move to Austin.”

Long Term benefits of Green Buildings in India

In recent years, India has shown some tremendous growth and development especially if we talk about its real estate sector. Nowadays, there are various reliable real estate companies available in the market that are coming with innovative ideas and bringing the unique concepts of Green buildings in India. Yes, you heard it right, the concept of sustainable or Green buildings is one in which the site, design, construction, occupancy and maintenance of the buildings are accounted in such a ways that it promotes the long term benefits to the owners, occupants and society as a whole.

Actually the term Green or Sustainable in construction or renovation generally refers in order to minimizing the environmental impact and improving the efficiency and long term economic performance of newly renovated projects. By observing its cost effective and environmental benefits majority of leading real estate builders are implementing this unique concept in their construction in order to bring a change. There are plenty of tangible and intangible benefits of going green. And some of its most significant benefits are-it helps in reducing the operational and energy costs, gives better indoor air quality, improve indoor environmental quality, give better day lighting and most importantly good for health and wellbeing of the occupants.

With the help of using this unique concept these leading companies offer you better way of life so that you can enjoy living with your loved ones. And one of the best things that come with this unique concept is that with the help of using the raw materials and finishing products these companies ensure that you will get the living or work spaces that are absolutely free of volatile organic chemicals. Through this way it would not be wrong to say that this unique concept is very much in demand these days and many developers are using it.

The Green buildings in India with its long term benefits are gaining the attention of maximum numbers of buyers as well as builders. With its impeccable list of benefits and green features this concept is gaining the momentum and is becoming the preferred choice of many real estate developers. This innovative approach can bring revolution in the real estate industry and is offering the various reliable features and benefits to all the residents. Thus, this concept with its numerous features can offer you the standardized way of living.

The writer of this article with having the keen knowledge about real estate sector is aware with the concept of Green buildings in India and briefs you about its benefits.Connect with the author via Google+

Live a comfortable lifestyle with Supertech Golf Suites

As we all know that high-class homes are the latest admiration of all the home aspirers, and improving their needs designers is regularly growing out with such success homes that are numerous as well as exclusive. Supertech Restricted, one of the prestigious market gamers has efficiently introduced lavishness into lives with its one of the recently released project, Supertech Golf Suites. This beautifully designed residence is one of the perfect places for quality living, and satiates the need of each and every people with its spectacular functions. Endowed with the most avant-garde facilities, Supertech Golf Suites Yamuna Expressway Noida thereby makes a perfect way of life for all the customers. All the well organized flats over here are huge enough and are absolutely enclosed with the eco friendly as well as awe motivating lawns to help create the weather soothing as well as contamination 100 % free. With reposeful water systems and lavish greeneries completely create this project amazing and more liveable. With an alternative incredible enhancement, this careful residence displays everything to be able it provide you with the most stimulating way of life. With tall buildings homes, spectacular cottages as well as studio room flats, these are absolutely properly secured and indicate the beneficial feelings for the people living over here.

The project of the Supertech Golf Suites is situated near commercial establishments at industry 22D Yamuna Expressway, Noida, and can be found in the closeness to various helpful fundamentals, purchasing arcades, social insurance models, business as well as IT areas etc so that you take a moment in completing your everyday misunderstandings. This location provides each and every individual a complete freedom of resigning where they will never need to get live in the limited environment. Supertech Golf Suites Yamuna Expressway Noida is known to be an exclusive address that the people have ever aspired for. Relaxing near to the suggested city link, it can be found only a few minutes away from the Worldwide International airport terminal. This project can be found close by to educational institutions and Colleges, SEZs as well as attractive purchasing arcades, and hence, is a perfect haven for the working experts.

In purchase to provide the high-class living of your choice, the project of the Supertech Golf Suites is provided with 1 BHK models, absolutely huge enough. Specifically developed in the most modern style, these studio room suites are widely gifted with all the present day functions right at their beck and call. Sprawled over 100 acres of the most enchanting land; it gives the most eye soothing opinions of the lavish greeneries. Attention has been given to every minute details of the project to be able to provide the citizens with the most comfortable living. Enabling the citizens to lead with the highest soothing living, this residence is included with some of the standard international services like diving share area, gym, sauna and spa, running paths and lots more. The Golf course as well as the F1 Racing Track over here is a perfect entertainment for the sports lovers.

Mohali a dreamland for individuals

Mohali is becoming the most preferable place for living by numerous individuals across Punjab because of its lush green pollution free environment, friendly neighborhood, provision of all important amenities and it being crime free. The city is well planned and each phase has its individual park. As many IT and MNCs have now come up in Mohali, so it is offering job opportunities to the youth who in the run are planning to have their own home in Mohali only. If you want to own a house, then there are several options like suburban housing, apartments, Furnished Flats Mohali or marketable plots. The diverse options are available not only for the domestic buyers but for the NRIs as well which shows the popularity of the real estate here. Mohali is facilitated with all the necessary facilities such as electricity and water supply, well linked roads and very good sewerage system.

The price of the fully furnished houses in Mohali at superior sites have doubled and tripled in the recent past times and it is going to become difficult for the individuals to own property in Mohali after some times. Most of the land dealings that are happening nowadays are between the realtors and the business executives, they buy plots or feasible property so as begin their individual offices as an alternate for high monthly rental fee. The NRIs who were earlier investing all their money in Chandigarh are now taking keen interest in investing in Sunny Heights. It requires a lot of patience and the heart to take risks when the individuals are putting their money in the real estate business. If you have hired a good real estate agent, who is knowledgeable, competent and faithful then there is no need to worry as he will offer you with the best deal according to your preferences and the budget.

The score of data is presented to the savers that assist them by lending hand in the procedure and the saver needs be well aware of several issues that hit the real estate evaluation for buying Flats in sec 117 Mohali. The saver should evaluate monetary command variables like revenue levels and buying power, employment level, pay rates, the accessibility of financing, interest rates and business cost. The national market and the local market Mohali association require consideration by the saver so as to suitably see the end result of all these variables on housing real estate value. The Flats in sec 74 A Mohali have the nearness and convenience to other sources such as the shopping hubs, schools, sewerage plant, waste dump, linking roads and the hospitals. To get all these facilities of living in a wonderful place like Mohali is like a dream come true.

Installing Carbon Monoxide Detectors

Carbon monoxide — “The Silent Killer” — is a colorless, odourless gas which in high levels causes paralysis, brain damage and eventual death if not detected and treated by a medical professional. Every house with a fuel-based heating source is at risk of CO infiltration. Even without a chimney, every consumer with a car in a garage is at risk. Carbon monoxide is caused by improper burning of carbon-based fuels. Your chimney, wood stove, gas stove and car exhaust are common culprits of CO emissions. Never leave the garage door closed when you start your car. Always perform regular maintenance on your stoves and chimneys.

Your first line of defense against CO poisoning is the purchase and proper installation of carbon monoxide detectors in your house. If you are exposed to carbon monoxide, make sure to seek medical treatment.

Choosing a Carbon Monoxide Detector

Carbon monoxide detectors emit an alarm and flash a light when the room reaches high levels of CO. There are three main types of CO detectors available for purchase: battery-powered, plug-in and hardwired detectors. All three devices work at detecting CO but come with different features and price points.

Battery-powered carbon monoxide detectors come with the benefit of portability. You are not locked into the location if you decide you did not install it properly. The downside is you must maintain the battery or the device is useless. Battery-powered detectors are the cheapest on the market.

Plug-in detectors come with the peace of mind of not running out of juice. But you use a wired outlet to plug the device in which eliminates an electrical outlet. You can also get a backup battery for the device so if you lose power you don’t lose your CO detector protection.

Hardwired detectors are wired into your house. The benefit is the carbon monoxide detector is permanently installed in the house to prevent tampering or being disabled by a tenant. The CO detector also can be hardwired in with the smoke alarms and other heat alarms keeping your house protected. Hardwired detectors are the most expensive of the three.

Installing Carbon Monoxide Detectors

Carbon monoxide detectors should be placed according to manufacturers specifications. A detector should be placed outside each sleeping room to alert occupants of dangerous CO levels. Next, you need a carbon monoxide detector in each room with a fuel-based heating source. Consider placing a carbon monoxide detector in your garage as well.

Never place a CO detector near an outside door or window. The influx of air messes up the detection levels. You don’t want to place a CO detector in an enclosed space like a cabinet or closet. The lack of air flow limits the CO detector’s ability to function properly. Finally, don’t install the device next to a sink or an air vent.

Maintaining Your Carbon Monoxide Detector

Your carbon monoxide detector comes with manufacturers recommendations for maintaining your device. Make sure you follow the instructions to the letter to get maximum life-span out of your device. Battery-powered carbon monoxide detectors emit an alarm when the batteries begin to run out. Replace your carbon monoxide detector’s battery regularly to keep the device at prime levels. Use the same schedule that you use for your fire alarms. Carbon monoxide detectors eventually give out. Expect to get a good 3-5 years out of your device before you need to replace the device.

Warning Signs of CO Poisoning

A CO detector alarm could be your only warning of lethal CO levels. Symptoms of CO poisoning resemble the flu, commons viruses and fatigue. Headaches, stomach pains, fatigue, visual impairment and erratic behavior are just some symptoms of CO poisoning. Immediately exiting the area of CO contamination lessens the symptoms but medical treatment is needed.

Seek Medical Treatment

Seek medical treatment if you suspect you were exposed to high carbon monoxide levels. Treatment for carbon monoxide poisoning requires pure oxygen administered by a mask or ventilator. In extreme cases, your doctor may recommend hyperbaric oxygen therapy to eliminate CO from your blood.

Make sure you call in professionals to identify and eliminate the source of CO poisoning before re-entering the residence. Continued exposure to CO poisoning could kill you or cause severe health problems.

Sam Jones the author of this article advises readers wanting more info about the range of carbon monoxide detectors available to visit the helpful advice pages at uSwitch.

DLF Green Estate New Residential Plots in Hyderabad

DLF has a 60-year history of service excellence. Since it was founded in 1946, it has been accountable for the growth of 21 urban colonies aggregating 5,816 acres, as well as an whole incorporated 3,000-acre township – DLF City. The development business of DLF includes Homes and Commercial Complexes. DLF Homes provides a broad variety of products including condominiums, duplexes, row houses and apartments. DLF has already developed 54 million sq. ft with plans of developing an additional 300 million sq. ft of projects across the country over the next 10 years. DLF Builder future project DLF Green Estate housing plots deliberately situated in Nandigama Hyderabad near Hyderabad-Bangalore highway (Shamshabad Extension). Hyderabad is one of the most urbanized cities in the country and South India’s futuristic destination. It is now a hub to Information Technology, and ITES (BPO) which includes MNC’s like Microsoft, Infosys, TCS, etc. Hyderabad has witnessed a marvellous expansion because of the IT and ITES Companies.

DLF Green Estate residential development Away from the noise and pollution of the city, there is a deliberately laid-out housing estate featuring exclusive Plots. Surrounded by open and richly manicured green spaces. DLF Green Estate premium housing plots are unbelievably affordable. DLF Green Estate offer residential plots where sizes are 240 sq. yd with world class amenities like Club, Gymnasium, Sports Grounds, Power backup , Computerized Electricity Billing, Systematic Garbage Collection System, , Solar Panels and Rain Water Harvesting, Swimming Pool, Cards Room DLF Green Estate located at Nandigama Hyderabad near Hyderabad-Bangalore highway(Shamshabad Extension) that make this project a highly connected Housing Scheme for customers wan ting to build their dream home. Proposed infrastructure projects like international airport at Shamshabad, Outer Ring Road project and Mass Rapid Transit System have led to the emergence of several macro-pockets as attractive real estate locations. DLF is credited with introducing and revolutionary concept of developing commercial complexes in the locality of residential areas. DLF has profitably launched commercial complexes and is in the procedure of marking its existence across various locations in India.The development business at present has 302 msf of development potential with 40 msf of projects under construction. About Allcheckdeals: allcheckdeals.com is India’s first and only online brokerage for Real Estate. We provide services to customers starting from property selection, site visit, booking, documentation, home-loan and after-sales service.

Astrological Predictions 2013-14

Let’s take a look at my predictions for 2012-13 and see what actually happened: Here’s what I predicted: -More uprisings and riots. There were riots in Egypt, Tunisia, Libya, Afghanistan, Pakistan, Syria, Israel, Greece and Spain. -An escalation of natural disasters. There was an avalanche in Afghanistan, epic fires in Colorado, and a 7.7 earthquake off the east coast of British Columbia, Canada causing a tsunami in Hawaii. -Water issues worldwide. We saw widespread flooding in Nepal, Pakistan, Russia, Romania, North Korea, Nigeria, the UK, Spain, a typhoon in the Philippines and Hurricane Sandy. -Rising unemployment into double digits in many countries. Spain and Greece are over 25% and an average of 11% in the 27 EU member states. US is reported at 8% but probably closer to 12%. -Governments taking more control over our privacy. On November 20th, the Senate rewrote a bill which now allows the feds to read private emails without a warrant. This law increases government access to emails and other digital files. This rewrite was done quietly and secretly. It now allows more than 22 agencies to access Americans’ email, Google Docs files, Facebook wall posts, and Twitter direct messages without a search warrant. It also gives the FBI and Homeland Security more authority to gain full access to Internet accounts without notifying either the owner or a judge. I am expecting sneaky controls over our freedoms and our privacy to encroach on us gradually and without our being aware of it until it’s too late. -More QE. i.e. money printing. In September of 2012, the US embarked on QE3, another huge round of borrowing and money printing. -Pension plans going bankrupt. E.g. The US Postal Service is broke and cannot pay into their pension fund, teachers retirement funds have gone broke, public pensions in many countries are underfunded and in danger of going under. -More focus on banks and financial institutions, a tightening of their regulations, more bailouts, more greed and more fraudulent activities. And that’s exactly what’s happened. -Growth of new technology, mobile phones and social networking. Apple launched its IPhone 5 in September, Smartphones, Twitter, LinkedIn, Tumblr and Pinterest have all seen accelerated growth. There were advances in Iphones, android phones and an upsurge in the use of mobile apps. -A rise in anti- immigration laws and regulations. Since 2010, when Arizona introduced draconian immigration laws, 35 other states have tried to introduce similar rulings. -Price of gold and silver continuing to rise. Whilst precious metals didn’t perform as well as I expected, they have still risen nearly 5% this year and it is only a matter of time before gold reaches over $3000 an ounce and silver is at $100 an ounce. 2013-2014 – Important Astrological Aspects -There is a great deal of Water activity with Saturn in Scorpio, Neptune in Pisces and Jupiter going into Cancer on June 25th making a Grand Trine in Water. -All three Mercury retrograde periods are in Water signs. -Intense Cardinal activity happening building up to the Grand Cross in December, one of the most powerful astrological aspects with Uranus in Aries, Pluto in Capricorn, Jupiter in Cancer and Mars in Libra. The ongoing square between Uranus in Aries and Pluto in Capricorn is very much in force during 2013. Remember that Uranus rules uranium and Pluto rules plutonium so there is a likelihood of increased nuclear instability and nuclear accidents. This is going to be accentuated when Jupiter goes into Cancer at the end of June 2013 as Jupiter always increases and amplifies everything, so you can expect even stronger dissonance with respect to the economy, politics, weather changes especially earthquakes and volcanoes. The USA has Jupiter and Sun conjunct in Cancer (July 4th, 1776), so the second half of 2013 and the first half of 2014 is its Jupiter return. Expect to see issues around Homeland security, the safety of US citizens, and a search for belonging and security in general. The positive and negative issues will be highly polarised. It will be a year of opposites: war and peace, moving forwards and moving backwards, safety and vulnerability, balancing business and personal, home and work, emotional ups and downs, periods when a great deal is happening and periods that seem as though nothing is happening, holding onto the past and yet striving towards the future. The Cardinal signs signify that we need to be responsible for our own destiny and not rely on our governments to provide stability and security for our future. Let’s not forget the powerful Grand Trine in Water with Jupiter in Cancer, Neptune in Pisces and Saturn in Scorpio. This is particularly strong during July 2013 but lasts energetically until mid-2014. This will bring increased confidence especially by lawmakers and governments in our economic and political systems. There could even be an upswing in the economy and the US dollar could go up in value. If it does happen, it will probably be short-lived and by the middle of 2014 if there has been an improvement in the economy, it is likely to be followed by a sharp drop a year or so later. Neptune in Pisces for the next 14 years indicates more flooding, tsunamis and excess water especially in coastal areas. There could also be issues with water purity and contamination. On February 9th, Mars is conjunct to Neptune which could be very favourable. It could be an opportunity to achieve something you have been dreaming of. On 21st March, Mars goes into Aries and will be conjunct with Uranus. This is a combustible combination and could lead to explosions and sudden riots, upsets, surprises. It can also indicate war. On 21st July 2013, Mars conjuncts with Jupiter in Cancer which adds more power to the T-square with Uranus and Pluto. I expect this to bring more sudden changes with respect to governments, control issue, power, the economy, social issues. On December 7th, Mars goes into Libra which completes the Grand Cross with Uranus in Aries, Pluto in Capricorn and Jupiter in Cancer. This is extremely powerful and will be the beginning of even more vast changes. Mars usually stays in a sign for about 2 months, but this time it goes retrograde on March 1st 2014 and stays in Libra until July 26th 2014. So we can expect another 6 – 7 months of opposing energies where agreements are hard to find and where progress is restricted. This can be happening not only on the macro level, but also on the micro level in your own life. You may feel as though your life is not moving ahead, as if you are in a holding pattern and you don’t know what action to take. When you take action there may be little or no apparent results. Keep in mind that the earth is in the middle of all these opposing and squaring planets and you may find yourself trying to look forward and being pulled backwards, deciding to take a risk and then backing out of it, changing your mind frequently, your location, your job and your relationships. It will take a huge effort for you to break free of old, destructive habit patterns and to move into a new, more uncertain yet happier life. Old structures that are no longer working for you will be pulled down. You may feel lonely, isolated and abandoned, but try to remain strong and realise that the reason that this is happening is because subconsciously you wanted more for yourself in your life. The old relationships that were draining and not fulfilling, the job that you hated, the lack of purpose and direction you felt in your life-.all this had to change for you to be happy and feeling as though you were fulfilling your destiny on the planet. You will have the opportunity to move to a higher vibration, but to do that you will have to let go of the old and to be ready to move into the unknown and to have faith in the new. It will be a particularly powerful time for the Cardinal signs: Aries, Cancer, Libra and Capricorn (and this will apply if it is your Sun, Moon or ascendant sign), and also for all the water signs: Cancer, Scorpio and Pisces. Summary of Predictions for 2013-2014: -Worsening global economic crisis with more demonstrations and civil unrest -Youth protesters will turn violent even though we have had mainly peaceful protests so far -Higher unemployment -Stock market earnings slide lower -Multiple investigations of banking corruption and fraud -Rising oil and food costs -More failures of large insurance companies -Extreme weather patterns from very hot to very cold -Gold and silver to be very volatile with even more price manipulation, sometimes going lower and then much higher -More power outages and for longer -Survival kits will become a necessity -Alternative power sources will become more mainstream – more use of green technologies: solar power plants, rooftop solar panels, wind farms, geothermal uses, hydrogen power plants -Greater paranormal activity – more reporting of visitations from other beings -Space exploration increasing and the uncovering of greater knowledge -More people power using Twitter, Facebook and other social media concerning customer service. For the first time ever the consumer will have the power when rating a restaurant, hotel, airline, computer, products and services in general -Increase in military threats especially in the Middle East and this could be very explosive towards the end of 2013 when Mars is square to Uranus -Despite the crisis, some industries will grow. E.g. certain medical areas such as: regenerative medicine growing new bones, cartilage etc. -Growth in certain food industries, catering, food technology -New types of restaurants and food outlets -Greater knowledge and research placed on nutrition and diet -Healing and health products become more prominent -Focus on locally grown food and its preservation -Advances in water purification techniques -Energy efficient housing construction market growing e.g. passive houses -Security businesses could see massive growth – physical and/or virtual -Breakthroughs in oceanography and our understanding of the sea -3D printing become more accessible and getting closer to becoming mainstream -Traditional newspapers becoming obsolete – new forms of media where we the people are the reporters, not the controlling few who sift the news and keep us uninformed I am anticipating that overall economically, times will get worse over the next few years. Some economists are forecasting an upswing in the economy from the middle of 2013. And indeed with the grand water trine and Jupiter in Cancer, this is possible for a brief time. However, we should not be misled into thinking that the crisis is behind us and that we can confidently invest with security. With Uranus strongly featuring for the next 6 years, we will have to learn to expect the unexpected. I didn’t expect gold and silver to drop as sharply as they have done over the last few weeks. However, markets never go up in a straight line. If they did, everyone would be able to make a fortune. I am anticipating greater volatility and uncertainty in the markets with wider swings from high to low than ever before. If you are a good trader during these times, you could make a fortune. However, you could also lose a fortune. But the opportunities will be there. The key through all this hardship is going to be compassion and love with people coming together and helping one another through the changes. We can choose to make this a pleasurable and joyful time or we can make it even more difficult for ourselves. The choice is ours. I vote for helping one another, looking out for different ways of doing things, thinking outside the box, sharing our knowledge and expertise, working together and creating a new, exciting and better future for us all.

Career Pathways For Your Child – Nature Versus Nurture

When thinking about the future of your children, it is important to consider what they are capable of in order to ensure that you are leading them into the right direction. However, there is an argument between having to go with nature versus nurture when choosing which path to take in the skills development phase of your kid. To put it simply, the question is whether you should hone the skills that are in your child’s nature, innate skills that are, figuratively speaking, in your blood, or should you let your child choose what he or she want to be and let him or her take up a special course to develop that skill. Nature

By default, it has always followed even in ancient times that a family’s trade is being passed on from generation to generation. Given the exposure your child has to a particular industry your family is in, you can give him the option to continue just that.

Family Business

A lot of people consider it their destiny to pass on the family business to their children and expect their children to do the same to theirs. It is a good plan to keep the business in the family as long as the child is up for the job. If you see that your kid is keen enough to take on the family business, then see to it that he or she has everything he needs to learn and eventually run the trade on his own someday.

Talent

Another thing that you cannot easily teach someone is an inborn talent. If you find out that your child has a unique knack for something, it is rather wise to support and develop that talent. It is a very unique thing to have and when properly developed, it can be something worthwhile and profitable that he or she can do with his or her life in the future.

Nurture

People who neither have the talent nor the exposure to a specific trade still have a fighting chance in the labor market and this is through education. A lot of people build their future on this as not everyone is blessed with the talent, nor do they come from families with skilled trades that are passed on. The good thing about being able to nurture your child into doing something is that they can be whatever they want to be. They can choose their profession and achieve their dreams. Special training courses and education are tools that are readily laid out to hone them and train them to be the professionals they eventually want to be.

By choosing the right career pathway for your child, you can rest assured that they are going to be set for life. Proper guidance and support from parents will go a long way in molding the child to be the person that they will be, and want to be in the near future.

How To Attract Wealth With Money Drawing Spell

Magic or spell casting is an all too important part of paganism. And those with empty pockets and purses and open minds might try out a few pagan Money Drawing Spells in boiling cauldrons to increase the chances of winning a million dollar jackpot. Let me enlighten you with a few more important facts regarding Money Drawing Spell.

You have to understand that it is actually all determined by the elements. According to pagan pantheons, the different elements stand for or control various specific intentions. For e.g. financial growth, money matters, real estate, material wealth and worldly prosperity are governed and influenced by the element earth.

Since it is a Money Drawing Spell you are after, you need to use earthly correspondences in the form of days of the week, colors, stones and herbs in your spell.

Items required in a Money Drawing Spell

You should choose Sunday and Thursday for days of the week.

Orange and green should be your ideal colors.

Some of the herbs you require for your spell are mint, ginger, dill, cedar, almond, patchouli, mugwort and honeysuckle.

Amongst crystals and stones you need onyx, peridot and moss agate, jade, aventurine and amber.

These are directly related to increasing the cash flow in your life. Along with these, you also need to consider the lunar influence. Since it is a Money Drawing Spell you want to perform, it is best to perform it during the phase of a new moon. Money spells have to be performed directly under the moonlight, so that your rites and rituals receive that much needed boost.

You can either chant rhymes written by other people or magicians or you may chant your own creative verse. Simple rhymes often do the trick – “money money in my hand,/double, triple, as fast as you can”.

But the real magic lies in you. The basic purpose of these ritualistic practices is to harness all your positive energy and focus it on what you want the most – in this case, earning money. So focus your energies, put 200% effort into your spells and ensure that your getting money doesn’t put someone else into trouble or harm. Send out positive vibes so as to prevent your Money Drawing Spell from backfiring.

A Money Drawing Spell won’t gift you a billion dollar jackpot or won’t make you win $50 million lottery. But it can certainly ensure or facilitate the receipt of a decent monetary gift or jewelry or real estate from a dead grandpa’s will or you may find a $50 dollar bill lying on the sidewalk.

Or you may get rich dividends from a mutual fund or pension scheme in which you had invested money rather unwisely. This is the most a Money Drawing Spell can do.