Business

How to Profit by Assigning “Subject To” Purchase Options to Distressed Homebuyers

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For those looking to get into real estate investing in today’s market, there is a unique way to earn profits without the need for cash or credit, and without the risks or headaches of owning rental properties. In this article, I’ll show you how you can put unsaleable homes under contract subject to the existing mortgage, and then assign the contract to a buyer who has been unable to qualify for a mortgage. Your profit is on average around 5% of the purchase price.

This is NOT Mortgage Assignment

One of the latest fads making the rounds on the internet right now, and the email inboxes of many investors, is a concept called Mortgage Assignment. For those unfamiliar with this, it appears that you are just assigning a mortgage from one person to another. Note that this is not the same as a mortgage assumption in which the lender legally transfers responsibility from the seller to the buyer. Rather, a mortgage assignment is nothing more than assigning the payments to the buyer, while the seller holds the mortgage in their name. In the Mortgage Assignment program, the underlying transaction remains a dirty deal for the existing mortgage. In any case, the seller of the property is still in trouble, credit-wise, if the mortgage is not paid. What you will do is find sellers who are willing to sell their property subject to the existing mortgage and market that property to a buyer who has some cash, but may not qualify for a mortgage under today’s more stringent underwriting standards.

Why you don’t need to be a real estate agent

One of the first questions that comes up is how can you do this without being a real estate agent? Well, it’s simple. What you will do is get the seller to agree to you placing a call option on their property. You will market his interest in the property to other buyers. This is not unlike marketing your property to buyers as a FSBO.

Description of offers “subject to”

In a “Subject To” or “Sub2” offer, you are purchasing the property subject to existing financing. This means that the existing mortgage will not be paid. If there is equity in the home that the seller wants to collect, the buyer would need to have the cash on hand or the seller may agree to make the payments in the form of a second mortgage. Typically, a Sub2 deal is done when there is little or no equity in the property, because the seller is unable to pay the mortgage at closing, or pay fees and commissions, or both. The alternatives to this are a short sale or foreclosure, and neither is easy or pleasant.

The biggest problem one faces with Sub2 offers is something called the Expiration of Sale Clause. What this means is that when the property is sold, the lender has the right to claim the mortgage due, which means the buyer would have to refinance the seller’s property facing foreclosure. However, in the experience of almost all Sub2 investors, not once has a mortgage been required to mature on the sale. Many gurus teach all sorts of tricks to prevent the lender from being notified of the sale, including a land trust and deed contract, but others will teach you to be honest with the lender and not lie or hide anything. The way a lender usually finds out about the sale is not when the new deed is recorded, but when the homeowner’s insurance policy has a new owner. In my Find and Assign package, I explain the sale expiration clause in more detail and why it’s not something you need to worry about.

The seller’s dilemma

Right now the market is perfect for making Sub2 assignments. Many homes are now underwater, which means the seller owes more on the mortgage than the home is worth. There are sellers who can no longer afford their mortgage payments and are struggling to make the payments each month or are behind on their payments and facing foreclosure. In Find and Assign, I have a matrix showing the various options a seller has to dispose of their property, along with the costs of each. If you can show a seller how they can walk away from their property and make mortgage payments without hurting their credit, you have a motivated seller who is receptive to your offer.

The buyer’s dilemma

In the past, all you had to do to get a mortgage was fog up a mirror. This means that you simply had to be alive! Banks and mortgage companies made loans to anyone who could fill out an application. There were undocumented loans, declared income loans, and subprime homebuyer loans. Initial payments are as low as zero. Fast forward to today. Now, you have to prove your income, provide two years of tax returns, bank statements, and have a credit score above 680. What we have now are buyers who a few years ago could get a mortgage, but now they can’t. . Therefore, you are in the perfect position to sell unsaleable homes to unloanable buyers, all by simply having the seller make a purchase option subject to the existing mortgage and assigning this deal to a buyer for a assignment fee. The new buyer gets the deed at closing and pays the closing costs.

find sellers

There are many ways to find sellers, including posting ads on Craigslist and newspaper classifieds. A sample ad might say, “We buy homes with little or no equity. Don’t make any more mortgage payments.” A great way to find sellers is to call real estate agents and ask them to provide leads on those who want to sell but can’t because they can’t muster the cash to make a deal. You can offer the agent a referral fee. If the agent is honest and says they can’t accept a referral fee, you can still legally pay the agent by having the agent become your buyer’s agent. When you get the house under contract and then assign the contract to the final buyer, at the time of settlement, the agent will receive their legal fee, depending on what you agree to. In Find and Assign, I review many other ways to find vendors for the Sub2 Assignment program.

find buyers

Of course, you need buyers to complete the deal and make money. You can find buyers by posting ads that say “Buy a house that doesn’t qualify for a mortgage. 10% cash needed.” You can run these ads on Craigslist and newspaper classifieds. You can also call mortgage loan officers and ask for leads on those who want to buy a home but can’t qualify for a mortgage. What you may have to do is simply give these loan officers your information and ask them to give it to would-be buyers. You can offer a fee to the LO on any deal you make.

Writing the Agreement

There are two ways to do this. One way is to write a simple real estate purchase contract, where you write “and/or assigns” after your name. In the purchase price section, you would write the price, then “subject to existing financing as detailed in Appendix A. In the appendix, you would list the balance of the mortgage(s) on the property and the existing monthly payment.” no special forms are needed. It’s just the wording you should use. The second way is to write a purchase option on the house, using the same theme for the language. It would then assign the purchase contract or option to the new buyer. If you use a purchase agreement, you need to make sure you have the right escape clauses in place that allow you to walk out of the agreement if you can’t find a buyer. You do not want to actually buy the property. And that’s what the contract says. With a purchase option, the seller is giving you the right to purchase the property, but you are not required to do so. If you can’t find a buyer to assign the property to within a 90-day period, you just walk away.

When making these deals, there are also some statements that must be signed by the seller, namely disclosing the fact that the sale is subject to the existing mortgage and that the mortgage will remain in your name. It also discloses the potential of the Expiration in Sale Clause. What I always suggest is that before you start on this, find a real estate attorney who has done Sub2 deals before. You can find one the same way I did, on Craigslist! In Find and Assign, I share with you how I did this and what questions you should ask. You may also need a title agency to close the deal, and I cover that at Find and Assign. Your real estate attorney should also know which one to use.

Close the deal

All you really have to do is get the end buyer to write you a certified check for your assignment fee after doing your due diligence on the property, including a title search, inspection, etc. The title search will show you any and all liens that are attached to the property, along with judgments on the owner and any back taxes that are owed. You can use any title agency to do a search. The fee would be around $60 or less. You can have the buyer do this or have the seller do it and make it available to potential buyers.

When you have a buyer for the property, you want to refer them to your real estate attorney to close the deal. In this way, you have done your part to unite the two parties and thus earn your allocation fee. The key is to have a real estate attorney involved in these deals and not try to close a “kitchen table.” You don’t want the seller or the buyer to approach you because you didn’t reveal everything you should have. If you do this right, you can make a reasonable income by assigning just one or two properties per month. If you search online, you can find just about anything you need on forums and other sites. There are no special forms, other than the purchase option, the purchase option assignment, the purchase agreement, and of course the CYA disclosure form. Other forms that are involved are an Authorization to Release Information and perhaps a Power of Attorney. If you find a real estate attorney who has done these deals, this person can provide you with all the forms you need.

Learn more

In my Find and Assign package, I give you much more detailed information on how to do Sub2 Assignments. This is all in one of the bonus packages in the form of a 42 page guide, plus all the forms and agreements you need, including a very detailed disclosure form. I teach you many ways to find sellers and buyers, and even show you how to have others search for properties for you with no money up front. Along with this, you get a PowerPoint package that you can use with vendors, along with other helpful tools and resources. There is no need to spend hundreds of dollars on courses or workshops. Once you understand how to find buyers and sellers, and know what forms to fill out, you can get started with very little cash. All you really need is the motivation and dedication to place ads online and what to say to callers from your ads. In Find & Assign, you even get scripts and information to send to sellers and buyers.

Home Kitchen

Cabinet hardware: what finishes are available?

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Many styles and finishes are available for cabinet hardware. Each variety is designed to accompany popular styles and maintain a beautiful appearance over time. Some of the most popular finishes today will be discussed here.

Some finishes are more commonly used today on cabinet hardware than others. Satin or brushed nickel is a finish known by two names. In modern kitchens, it is a popular finish because it mimics steel. Since modern is one of the most common styles at the moment, this finish is used quite often. While not much different from stainless steel, it offers more variety in styles because the finish can be achieved on a variety of metals. In fact, the most common metals that are given this finish are brass and zinc. Oil Rubbed Bronze is another finish that is applied primarily over brass or zinc. This finish is used to apply an old world look or something more modern and contemporary. Some of the oil rubbed bronze variations appear to have an amber or copper undertone. Others appear dark brown or nearly black.

Polished finishes are used to create a different feel. Polished brass was once, a decade or so ago, one of the most popular finishes. Zinc polished brass is the cabinet hardware and door hinges. Polished chrome is used to create an Art Deco look. This finish has a silver polished mirror finish that lasts a long time because it almost never tarnishes. With this finish, like all mirror polished finishes, fingerprints will show up easily. Cleaning them is simple, however, and easily returns the metal to a new look.

Antique finishes give cabinet hardware a traditional look. Antique brass is a whole process. The hardware is black coated and then brushed, creating the look of antique antique brass. Without a lacquer, the product would tarnish, so after brushing, a lacquer is applied, and then the product is baked. Antique copper is another popular finish. Finishes such as aged copper are making it possible to complete contemporary designs with a traditional finish. It is another finish that is commonly applied to brass or zinc. To create this look, the cabinet hardware is dipped in a copper flash, plated black, and brushed to create the antique look. While many other styles are popular and available in cabinet hardware today, these options provide a good starting point to look at.

Auto

Ford GT500KR Mustangs continue to dominate

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The ever-popular Ford Mustang continued to shine at this year’s famous Barrett Jackson auction. Numerous models were placed on the block, from the Mustang that Carroll Shelby customized for his son, to Shelby’s personal Mustang and many other classics. Shelby’s personal car sold for more than $300,000, and the other models did well, too.

Ford also produced a special Mustang GT500KR for auction, which was also quite fast. This model featured the supercharged V8 engine with 540 hp. It was a one-of-a-kind collector’s item that is incredibly special. Production of the new GT500KR Mustang began on January 11, which was Carroll Shelby’s 85th birthday. However, the model produced for Barrett Jackson had some unique features that no other Mustang will have.

Ford put their new glass roof option on this model, which added a bit of a twist. All GT500KRs will have racing stripes on their roofs. Since this one had a glass roof, the company had the stripes etched directly onto the glass. The Ebony Black Mustang was quickly purchased and is expected to rapidly increase in value. Proceeds from the sale were given to the Juvenile Diabetes Research Foundation.

“Only Ford Motor Company and Shelby American have sold more genuine Ford-powered Shelby vehicles than the Barrett-Jackson auction in the last 36 years,” said Craig Jackson, president and chief executive officer of Barrett Jackson. “I’m proud that Ford and Carroll Shelby chose to sell a one-of-a-kind 2008 Shelby GT500KR Coupe at our auction, where only the best, authentic Shelby vehicles are offered to the public.”

Ford will release a limited edition of 1,000 King of the Road Shelby Mustangs in 2008. They will feature the special racing stripes as well as the supercharged engine. These models are expected to retail for between $50 and $60,000 at dealerships, but can fetch up to $100,000 at auction.

There is also another development underway to commemorate this special car. Ford Motor Company has worked with Fender Musical Instruments, the iconic producer of some of the world’s greatest guitars, to create a commemorative guitar. This special Stratocaster will be limited to 1000 units. The first was auctioned off with the aforementioned special GT500KR.

The Fender Stratocaster GT500KR Edition comes in black and features silver stripes to mirror the car’s. Sales of this rare guitar began on January 21st and quickly sold out. In fact, this guitar is even more popular than the special edition Shelby they released last year.

If you missed out on your GT500KR Fender Stratocaster, you can still find some on Ebay, but be prepared to spend a lot of money. As for the limited-edition Mustang GT500KRs, they should be available soon, but no official release date has been set. Find them at a dealership near you and see if you can reserve yours before they sell out.

Digital Marketing

Create brand loyalty

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All companies have a brand, whether they realize it or not. Having a brand is an inevitable consequence of being in business. A positive brand builds brand loyalty. If managed properly, brand loyalty is a powerful source of sustained profitability. However, very few business leaders know how to maintain brand loyalty in their customers. They direct their attention to the “look and feel” of the brand: the marketing and advertising aspects of brand identification. They strive for a unique and recognizable “look,” like the McDonald’s bows or the Nike swoosh. The emphasis is on the appearance of the brand, not what the brand looks like in action.

However, neither the advertising nor the appearance ever created a moment of brand loyalty. The main factor influencing brand loyalty is how employees respond to customer expectations. Regardless of the business, all customers buy the same thing: “A satisfying emotional experience.” Whether the company is delivering a cake or a car, a house or a horse, it must provide a Satisfying Emotional Experience if it wants to create Brand Loyalty among customers.

It is the enthusiastic effort of the fully engaged employee to understand and exceed customer expectations that creates the Customer’s Satisfactory Emotional Experience. Such experiences create habit; they build feelings of reliability and trust in the integrity of the Brand. A satisfying emotional experience builds a positive relationship with your customer. The importance of this relationship is especially true when things go wrong.

When something goes wrong, committed employees have the greatest opportunity to create “loyal apostles.” Open brand loyalty is created when disappointed customer expectations are promptly recognized and met. As apostles, these clients spread “the good word” that multiplies and attracts more clients to the Brand.

Conversely, when employees don’t really care about the customer, when they’re indifferent to exceeding customer expectations, it’s easy for the customer to go elsewhere next time. These employees mechanically go about their tasks and say “have a nice day” while the customer passively completes the transaction and leaves. Both the employee and the customer are indifferent to doing business together again.

When something goes wrong, these disinterested employees are indifferent and resistant to meeting customer expectations. They politely say that it’s simply not possible to meet the customer’s expectations or, worse, refuse to answer phone calls, letters, or emails in response to the problem. When a company’s employees resist or ignore a customer’s expectations, a “terrorist” is often created. Typically, an angry customer spreads “the bad word” to more than 20 people. This negative reputation multiplies quickly. No advertising budget can begin to offset this damage to the Brand.

Such damage is easily avoided. There is a direct connection between how management treats their frontline employees and how employees treat customers. When employees feel recognized and appreciated, your customers feel recognized and appreciated too. When employees believe what their managers and supervisors tell them, then customers will believe what employees tell them. When employees develop long-term emotional loyalty, customers also develop long-term brand loyalty.

In an unsuccessful attempt to increase brand loyalty by improving the customer experience, many companies invest in customer service training. Often this money is totally wasted because management expects employees to treat customers with more courtesy and consideration than management shows employees.

Relationship-leadership principles state that “All leadership is example, all else is coercion.” This means that if management wants customers to be treated “well,” then they must treat employees “well.” Building sustained brand loyalty is not rocket science or brain surgery! It’s about treating employees in a way that makes them want to create an emotionally satisfying experience for the customer.

Relationship

Yoga for the little ones: babies and parents reap the benefits of yoga

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I was recently talking to a mom-to-be about yoga for kids. She mentioned that she would be interested in learning more in a couple of years once her oldest daughter was in preschool. I asked her, “Why wait? Even babies can do yoga.” She was completely amazed. I told her that she had done yoga with my children and that I recommend it to all new parents.

Baby yoga includes numerous benefits. Yoga:

Improves digestion-A baby’s digestive tract is underdeveloped and sensitive. Yoga helps to strengthen and massage the intestines, increasing the baby’s comfort and stimulating absorption and elimination, which makes the baby happier and the life of the parents easier.

Provides relief from colic.-Colic is frustrating for both the child and the parents. Numerous baby yoga poses can help calm parents and babies. Baby squats are extremely effective for this. Hold your baby in front of you, standing with feet a little more than hip-width apart. On an exhale, quickly squat down while holding the baby securely. Return to the starting position as you inhale. Repeat until the baby calms down.

encourage bonding-Yoga encourages spending time together. Touching, holding, engaging with purpose firmly establishes an emotional foundation for parent-child relationships. Other family members and caregivers can also participate in infant yoga and thus contribute to the emotional well-being of the baby.

Stimulates neuromuscular development-Repetitive movement and touch are the cornerstones for the development of neuromuscular pathways. Since the brain develops faster during the first year of life than during any other period, it is vital that the neuromuscular system is stimulated frequently and repetitively to lay the foundation for future learning and growth. Yoga helps with this goal.

Increases body awareness.-Babies learn through physical interaction with their world. During the first year they go from being newborns to walking. Yoga helps babies learn where their body parts are and how to move them to improve coordination, build strength, and instill a positive body image.

reduce stress-The life of babies is stressful. Everything is new, they cannot tell others what is wrong, and they struggle to understand and control their bodies. New parents also have a high level of stress compounded by insomnia. Yoga can help both babies and parents grow and learn together, trusting their intuition and learning to relax.

Promotes deeper and longer sleep.Babies need stimulation to grow. They also need sleep. Children’s yoga helps the baby to exercise the body and inspire the mind. Then baby is ready to relax and drift off to sleep for a nice long nap. Yoga also helps calm babies who have woken up during the night to go back to sleep. New parents will rejoice when their little one sleeps deeper and deeper than ever before.

The joy of baby yoga is that it can be practiced anywhere, anytime your child needs personal attention. Ideally, a period of 5 to 20 minutes of yoga is scheduled throughout the day at a regular time. For example, if the baby is more interactive in the morning, make stimulating and fun poses. Alternatively, if the baby is often restless at night, she can incorporate relaxing yoga into her bedtime routine. Bath time is often the perfect time to include some yoga poses, as baby is alert and has mom or dad’s full attention.

Above all else, infant yoga is about being present with your baby. Parent-child interactions come from a foundation of love and gentleness. Mutual experience brings families together and helps the baby develop, parents facilitate growth, and everyone recognizes life as a wonderful gift to share.

Health Fitness

B complex can stomp on sugar cravings: so why doesn’t it sometimes work?

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Liquid B complex is the only magical nutrition I know of. You can stop a sugar craving in just a few minutes. But every now and then, people tell me that they tried it and it didn’t work. How is it possible?

Careful questioning revealed some common reasons that prevent the B complex from working effectively. This is what I have discovered.

Do not use liquid complex B

The liquid formulation seems to speed up the effect so that we can feel it within a few minutes. Tablets take longer and can be good for regular supplementation, but a “craving emergency” is best treated using liquid B.

If you already take a daily B-complex tablet, you can safely add liquid B on the day you have a craving. On the other hand, if you have used liquid B for a craving before taking your usual dose of B, there is no reason to take the tablet that day.

A one-day “load” of B vitamins won’t be harmful, but it’s best avoided on a regular basis. (If you have any questions about this, ask your doctor.)

Take B12 instead of B complex

For reasons I have never been able to understand, people misunderstand “B complex” as “B12”. This may go back to the ancient practice of taking B12 injections for energy.

Whatever the reason, vitamin B12 is only one part of the whole complex, and it’s not even the most important B vitamin for stomping on cravings. However, this misunderstanding has happened so often that I now immediately clarify whenever I recommend the B complex to a client.

So again, use LIQUID B COMPLEX. Not tablets, not B12, not any other individual B vitamins.

not eat any protein

When this mistake is made, it is usually by people who have not worked with me as clients. All of my clients know that I stress the importance of protein.

Protein is a key element in the plan to kill cravings. B vitamins work as catalysts to help form specific brain chemicals. Those chemicals can end cravings (and prevent them, too) when they’re at optimal levels. But brain chemicals are made from amino acids, which we learned in seventh grade biology as “the building blocks of proteins.”

We cannot make the necessary brain chemicals without protein.

Junking in sugar first

If you’ve eaten half a bag of cookies, don’t expect the B vitamins to keep you from eating the other half. The neurochemical changes that the cookies have set in motion are powerful, and even more powerful for some people than for others.

For reasons beyond the scope of this article, those brain changes will probably make you crave the rest of the cookies.

Suffice to say, there’s simply no way a teaspoon of liquid B-complex can reverse the strong effects of the sugar you just ate. The most helpful idea is to use B vitamins to stop the craving and not eat the cookies in the first place.

I’m going to throw a side note. If cookies are too easy to reach because you’re home and they’re conveniently located in your kitchen cabinet, do yourself a big favor: don’t keep cookies in your kitchen. Throw what you have. Don’t buy more.

It works if you work it

Liquid B complex is still the only nutritional wizardry I know of. It is effective; it’s fast. But it’s not a stand-alone miracle. It is best used as part of a sincere attempt to reduce sugar in the diet.

Keep in mind that B vitamins are a short-term solution to stop sugar cravings. Getting rid of cravings permanently requires dietary changes.

And yes, changing your diet can virtually eliminate cravings. Think of the freedom that could mean for you.

Legal Law

How a Car Accident Lawyer Can Help: 8 Pros and Cons for Car Accident Victims

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Statistics show that most Americans will be in at least one car accident in their lifetime, and car accidents are also the leading cause of death for people age 34 and younger. These occurrences can be attributed to many things: drunk driving, cell phone use behind the wheel, not wearing a seat belt. Whatever the reasons, the fact is that you yourself can be involved in a car accident when you least expect it.

With this in mind, here are 8 important do’s and don’ts for car accident victims. These tips can help you if you are involved in a car accident and are considering hiring a car accident attorney.

4 Backs for Car Accident Victims

1. Seek medical treatment after the accident if you are injured. Adrenaline or shock can make you feel like you’re okay, but you still need a doctor to confirm you’re okay. If you don’t feel well, describe your injuries to your doctor. Do not exaggerate. Just be sure to fully relate what has happened and where you need help.

2. If your doctor asks you to come back for another checkup, do so. Again, you may feel like you’re fine now, but. It is best to follow the doctor’s instructions.

3. Have all your medical bills billed to your health insurance company. The at-fault insurance company will eventually pay the bills, but that doesn’t happen until the case is settled. In the meantime, your health insurance company will take care of your medical bills.

Four. Take pictures showing any property damage to your vehicle from the accident. It is good practice to have visual evidence of damage for documentation purposes.

4 Things Car Accident Victims Should Not Do

1. Do not give a recorded statement of what happened to anyone without first consulting with a car accident attorney. This is just to make sure you don’t say anything that could negatively affect your case if you decide to file a claim.

2DDo not sign releases for the release of your medical records. Again, without proper legal advice from an experienced car accident attorney, signing anything is never a good idea. Before you give someone permission to do something, make sure you fully understand your rights.

3. As tempting as it may be, don’t post anything about the accident or your injuries on any social media sites. Do not, under any circumstances, tweet or post on Facebook about how you were in a car accident, unless you get prior approval from a car accident attorney. Try not to share any accident information with anyone.

Four. Do not write about the accident, your injuries, or medical treatment in your diary or diary. Again, do not believe any written or recorded account of your experience without consulting a car accident attorney. This is not because you are thinking of filing a lawsuit, but just to make sure you don’t do anything that could sabotage your claim should you decide to file one.

Unfortunately, car accidents are a fact of life for Americans. No one wants to be involved in one, but the fact is that the more you know, the better decisions you can make. Consulting with a car accident attorney is just one way to make sure you have all the information you need.

Lifestyle Fashion

Discovering the Beauty of Arco Da Calheta

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Arco da Calheta is a village on the southwestern coast of Madeira. At sea level the coast is rocky and wild except for Vila Calheta where the hotels have yellow sand beaches, cafes and restaurants in the marina. However, take a left out of the tunnel to go over to the wild side.

Driving through the town, past the church, you will see the high terraces rising in front of you. As you enter Loreto, turn right in front of the church to keep going up the mountainside and keep an eye out for the Levada water retention tanks; it is where the levada crosses the road. Find a safe place to park.

From here, you can walk a distance west to Prazeres on the Levada Nova or head east to enjoy the walk behind the Arco da Calheta. The path is safe, flat and there are no big slopes that bother the less brave! In June and July you can expect to see Agapanthus, blue and white lining the edges. As the sun hits the eucalyptus and pine trees, the energizing scents mix into the clean mountain air.

You may be lucky enough to meet a levada man who watches over the flow of water in the narrow canal. His job is to keep the canal clear of debris and sometimes he seems to watch the world go by and chat with walkers! The lumberjacks may be clearing the floor of the wood, removing fallen wood, and making good fires from past seasons; yes, unfortunately the mountain slopes are prone to fires in the dry summer months. But nature recovers the forests very quickly and the winter rains turn the mountainside green in one season. Villagers quickly clear fallen branches for winter fuel, dragging them down the hill to their terraces. You can see the wood neatly stacked in “ventilation” piles in preparation for winter use.

Make sure you have your camera with you, as the views of the terraces, the town and out to the ocean are impressive, often framed by a twisted branch of a pine tree or the military camouflage of eucalyptus trunks.

It is well worth doing this short walk to take home the sights and views of Arco da Calheta.

If you venture beyond the end of the Arch, the hike becomes much more challenging in terms of steep inclines. However, there are handrails to help keep your balance. There are simple rules to remember when walking levadas that present “drop challenges”; enter the levada Your boots will be dry and you will be safe!

Most tourists have heard of the levada walk, the paths and trails that run alongside the narrow system of canals to move water around the island to agricultural areas. Many will not want to do the longer and more challenging hikes; this one offers the opportunity to experience a levada walk without any of the challenges! If you get hooked? There are many organizations that offer escorted tours. Enjoy our island.

Pets

Description, history and temperament of the Field Spaniel dog breed

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Description: The Field Spaniel’s coat can be black, liver or roan. His head and skull show high breeding and nobility. His almond-shaped eyes have a gentle expression and are hazel in color. It is a medium-sized dog that is longer than it is tall, standing around 18 inches and weighing between 40 and 55 pounds. Their coat is long, flat, shiny, and should feel silky to the touch. They have long hanging ears and feathers on the chest, underside, legs, and tail.

History. The Field Spaniel originated in England during the 1800s and used to be considered the same breed as the English Cocker Spaniel. It was in the 20th century that they decided that any English Cocker Spaniel over 25 pounds would be classified as a Field Spaniel. However, once the breed became established, as its own breed, it was bred with disastrous results to greatly exaggerate its length and weight, causing it to be unable to work in the fields as it once did. However, since then, through the careful introduction of Springer Spaniels and Cocker Spaniels into their bloodlines, they have returned to moderate length and weight. They are good at tracking, hunting, retrieving, and being a guard dog. Recently, the number of Field Spaniels has increased, but they are still considered a rare breed.

Temper. Field Spaniels are sturdy little dogs that have a calm manner and are very affectionate. They have a docile nature, they are intelligent, but they can have times when they can be stubborn. It is important to socialize them well, from a young age or they can become shy and reserved, they are fast learners and love to have a job to do.

Real Estate

Reviewing the First Four Letters of the Hebrew Alphabet

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The first letter of the Hebrew Alphabet is the letter Aleph. An image of an ox head is what your Ancient Paleo Hebrew pictograph looks like. Strength, power, leader or the strength of the leader is what Aleph really means. In my previous articles, you have learned that each letter has a corresponding meaning.

The second letter of the alphabet is Beit. Beit means house or shop because its ancient pictograph is in the shape of a house. It also means a floor plan or a place where a family can dwell. All things that have to do with a house, a home or a family are connected with the letter Beit.

It may surprise you that the letter Beit is the first letter of the Bible even though it is the second letter of the Hebrew Alphabet. Beit begins in the book of Genesis. Naturally, you may wonder why Aleph, the first letter of the Hebrew alphabet, is not the first letter of the Bible. The reason behind this is that Aleph is a silent letter. It is like a breath or a spirit. So when you combine the silent letter that is Aleph before Genesis 1:1 together with the first letter of your alphabet that is Beit, what you have is the strength of the head of the house. Surprisingly, Aleph and Beit form the Hebrew word for father. So we have the image of our heavenly Father in just the first two letters of the alphabet of his language.

The third letter of the alphabet is Gimmel. You learned that Gimmel means camel. It can also mean exalt, pride or a generous rich. So the fourth letter is the letter Dalet. Its pictographic form looks like a door. Now, to us it wouldn’t look like a door, but in Ancient Israel, it’s the tabernacle curtain that hangs with a pole which was the most common door found in Ancient Israel if you were poor. It is an open door. In fact, when people go to a sukkot, the first thing all the men do is get together and build a sukkah. It’s a lot of camaraderie, and it’s fun. What we learn through the image of the sukka is that there are no sides, there are no doors, it is an open community, you are welcome and the top is also open because we are welcoming Ruach, the spirit of the living God. We want a vertical relationship and we want a horizontal relationship to fulfill the two main commandments of the Torah.