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    Where Real Estate Investing and Speculation Collide
    Some uninformed folks would describe someone who rehabs distressed property as a "speculator" or even a "property speculator." Don't be fooled! There is a VAST CHASM of difference between rehabbing and property speculation.Let me explain. According to Dictionary.com, the definition of speculation where business is concerned is:"Engagement in risky business transactions on the _chance_ of quick or considerable profit.""A commercial or financial transaction involving speculation."While all investing...in anything... has some element of risk to it, I want to highlight a key difference between speculation and investment. When you speculate, risk is higher and by the nature of the word speculation, more risk than usual is implied.So, in that context speculation doesn't fit what I advocate at all. I'll explain further, but first let me illustrate the difference between investment and speculation in real estate rehabber terms f
    VD decoder card or DVD decoder software

  • 8 MB of video RAM

    Tip: Windows XP Professional and Windows XP Home do not come with DVD decoder software installed. You can get a DVD decoder by down loading a free one from Roxio or by installing a DVD media player like WinDVD or nVDVD. Once a windows DVD decoder is installed, DVD content can be played with most media players including Windows Media Player.

    For Windows Movie Maker:

    • Video capture feature requires appropriate digital or analog video capture device

    • 400 MHz or higher processor for digital video camera capture

    • Actual requirements will vary based on your system configuration and the applications and features you choose to install. Additional available hard disk space may be required if you are installing over a network.

    Disclaimer: Having hardware meeting these requirements does not mean that the PC will perform to your satisfaction.

    Test syst

    Warning - EBay Scams To Watch Out For
    There are many eBay scams out there to keep an eye out for when you are buying or selling on eBay. This article will cover some of the known and not so well known scams to be aware of. Whether you’re a causal buyer or seller, or a professional on eBay, you need to know about these scams so that you can take measures to prevent or recognize if it’s happening to you.Bid Shielding - This scam is something you need to watch out for as a seller on eBay. Basically the scam is run using two separate eBay accounts. The scam works like this. You put your item up for auction. Let’s say your item is worth $100 and you have no reserve. The first bidder (scammer) comes along and bids $5 on your item. Right after that, another bidder working with the first bidder comes along and bids $200 on your item. Since your item is only worth $100, you receive no more bids for the duration of your auction. Right before your auction ends, the first bidder backs out a
    The following stated hardware requirements by Microsoft are the absolute minimum to install Windows XP Professional and also applies to the Windows XP Home version. Microsoft also includes some hardware recommendations above the absolute minimum to make Windows XP Pro. or XP Home perform on an acceptable level.

    No. Really, they're serious!

    With these minimum system requirements for Windows XP in mind I will add comments and recommendations gathered from real world experience as a PC Technician. Of course, my comments will be colored by my admittedly sarcastic and jaded attitude toward Microsoft's overly optimistic projections.

    XP Pro System Requirements:

    • PC with 300 megahertz or higher processor clock speed recommended; 233 MHz minimum required (single or dual processor system);* Intel Pentium/Celeron family, or AMD K6/Athlon/Duron family, or compatible processor recommended

    • 28 megabytes (MB) of RAM or higher recommended (64 MB minimum supported; may limit performance and some features)
    • 1.5 gigabytes (GB) of available hard disk space*
    • Super VGA (800 x 600) or higher-resolution video adapter and monitor
    • CD-ROM or DVD drive
    • Keyboard and Microsoft Mouse or compatible pointing device

    More XP System Requirements:
    Additional Items or Services Required to Use Certain Windows XP Features.

    For Internet access:

    • Some Internet functionality may require Internet access, a Microsoft .NET Passport account, and payment of a separate fee to a service provider; local and/or long-distance telephone toll charges may apply.

    • 14.4 kilobits per second (Kbps) or higher-speed modem

    Huh? What do they mean "Some Internet functionality may require Internet access"? Seriously, how can you have Internet functionality with out Internet access?

    Microsoft .NET Passport account? I have used a dial-up Internet connection for over 10 years and have never needed a Microsoft .NET Passport account. Can you say, Microsoft proprietary protocol?

    It would be difficult to find a modem slower than 56 kbps these days.

    For networking:

    • Network adapter appropriate for the type of local-area, wide-area, wireless, or home network you wish to connect to, and access to an appropriate network infrastructure; access to third-party networks may require additional charges.

    For instant messaging, voice and videoconferencing, and application sharing, both parties need:

    • Microsoft .NET Passport account and Internet access or Microsoft Exchange 2000 Server instant messaging account and network access (some configurations may require download of additional components)

    OK, enough is enough. Since when do you need a Microsoft .Net Passport account to use ICQ, Yahoo, AIM, AOL, IRC or any other instant messaging clients? MSN only!

    For voice and videoconferencing, both parties also need:

    • 33.6 Kbps or higher-speed modem, or a network connection

    • Microphone and sound card with speakers or headset

    For videoconferencing, both parties also need:

    • Video conferencing camera

    • Windows XP

    If you intend to use videoconferencing a Broadband connection is strongly recommended.

    For application sharing, both parties also need:

    • 33.6 Kbps or higher-speed modem, or a network connection

    • Windows XP

    For remote assistance:

    • Both parties must be running Windows XP and be connected by a network

    For remote desktop:

    • A Windows 95 or later–based computer, and the two machines must be connected by a network

    Tip: Windows XP Professional remote desktop software can be installed on Windows 9x with the the Widows XP Pro. install CD.

    For sound:

    • Sound card and speakers or headphones

    For DVD video playback:

    • DVD drive and DVD decoder card or DVD decoder software

    • 8 MB of video RAM

    Tip: Windows XP Professional and Windows XP Home do not come with DVD decoder software installed. You can get a DVD decoder by down loading a free one from Roxio or by installing a DVD media player like WinDVD or nVDVD. Once a windows DVD decoder is installed, DVD content can be played with most media players including Windows Media Player.

    For Windows Movie Maker:

    • Video capture feature requires appropriate digital or analog video capture device

    • 400 MHz or higher processor for digital video camera capture

    • Actual requirements will vary based on your system configuration and the applications and features you choose to install. Additional available hard disk space may be required if you are installing over a network.

    Disclaimer: Having hardware meeting these requirements does not mean that the PC will perform to your satisfaction.

    Test syste

    Home Buyer Beware - Who's Watching the Construction of Your Home?
    In 2005, over 1.2 million new single family homes were built and sold in the U.S. That’s new houses being built by thousands of large and small contractors. And the number one complaint is that the quality of the work was less than satisfactory.In fact, if you bring up the word “contractor” at any cocktail party, everyone has a horror story to tell. If you’re having a home built, you start to wonder, “Who’s watching the construction of my home? Who makes sure it’s built right?”Most new homeowners I talk to say, “Well, isn’t the local building inspector taking care of that?” Yes, to some extent they make sure the house is built right - but only from a building code standpoint.Remember that the building codes are minimum standards your builder must follow. For example, the code says that a bathroom exhaust fan must provide a given number of air changes per hour for a given size of bathroom. The code doesn’t care how noisy the exhaust fa
    some features)
  • 1.5 gigabytes (GB) of available hard disk space*
  • Super VGA (800 x 600) or higher-resolution video adapter and monitor
  • CD-ROM or DVD drive
  • Keyboard and Microsoft Mouse or compatible pointing device

    More XP System Requirements:
    Additional Items or Services Required to Use Certain Windows XP Features.

    For Internet access:

    • Some Internet functionality may require Internet access, a Microsoft .NET Passport account, and payment of a separate fee to a service provider; local and/or long-distance telephone toll charges may apply.

    • 14.4 kilobits per second (Kbps) or higher-speed modem

    Huh? What do they mean "Some Internet functionality may require Internet access"? Seriously, how can you have Internet functionality with out Internet access?

    Microsoft .NET Passport account? I have used a dial-up Internet connection for over 10 years and have never needed a Microsoft .NET Passport account. Can you say, Microsoft proprietary protocol?

    It would be difficult to find a modem slower than 56 kbps these days.

    For networking:

    • Network adapter appropriate for the type of local-area, wide-area, wireless, or home network you wish to connect to, and access to an appropriate network infrastructure; access to third-party networks may require additional charges.

    For instant messaging, voice and videoconferencing, and application sharing, both parties need:

    • Microsoft .NET Passport account and Internet access or Microsoft Exchange 2000 Server instant messaging account and network access (some configurations may require download of additional components)

    OK, enough is enough. Since when do you need a Microsoft .Net Passport account to use ICQ, Yahoo, AIM, AOL, IRC or any other instant messaging clients? MSN only!

    For voice and videoconferencing, both parties also need:

    • 33.6 Kbps or higher-speed modem, or a network connection

    • Microphone and sound card with speakers or headset

    For videoconferencing, both parties also need:

    • Video conferencing camera

    • Windows XP

    If you intend to use videoconferencing a Broadband connection is strongly recommended.

    For application sharing, both parties also need:

    • 33.6 Kbps or higher-speed modem, or a network connection

    • Windows XP

    For remote assistance:

    • Both parties must be running Windows XP and be connected by a network

    For remote desktop:

    • A Windows 95 or later–based computer, and the two machines must be connected by a network

    Tip: Windows XP Professional remote desktop software can be installed on Windows 9x with the the Widows XP Pro. install CD.

    For sound:

    • Sound card and speakers or headphones

    For DVD video playback:

    • DVD drive and DVD decoder card or DVD decoder software

    • 8 MB of video RAM

    Tip: Windows XP Professional and Windows XP Home do not come with DVD decoder software installed. You can get a DVD decoder by down loading a free one from Roxio or by installing a DVD media player like WinDVD or nVDVD. Once a windows DVD decoder is installed, DVD content can be played with most media players including Windows Media Player.

    For Windows Movie Maker:

    • Video capture feature requires appropriate digital or analog video capture device

    • 400 MHz or higher processor for digital video camera capture

    • Actual requirements will vary based on your system configuration and the applications and features you choose to install. Additional available hard disk space may be required if you are installing over a network.

    Disclaimer: Having hardware meeting these requirements does not mean that the PC will perform to your satisfaction.

    Test syst

    Communication Barriers: Simplifying the Communication Process
    The communication process can be much more difficult than a person thinks. Unfortunately, many times a presenter does not realize that their message is being lost until it is too late and they have gone through an entire meeting/lecture talking away about something that their colleagues/audience thinks is absolutely meaningless. Here are some helpful questions to ask yourself before attempting to relay a message to a large audience.Communication barriers may be categorized as follows: Assumptions about yourself — Do I really have something to offer? Is it safe for me to offer suggestions? Do I really want to share the information? Will others really understand? How will the communication affect my self-esteem? Attitudes about the message itself — Is the information valuable? Do I see the information correctly or understand it well enough to describe it to others? Is it organized? Am I comfortable with what I am saying? Can I maintain eye contact?
    ary protocol?

    It would be difficult to find a modem slower than 56 kbps these days.

    For networking:

    • Network adapter appropriate for the type of local-area, wide-area, wireless, or home network you wish to connect to, and access to an appropriate network infrastructure; access to third-party networks may require additional charges.

    For instant messaging, voice and videoconferencing, and application sharing, both parties need:

    • Microsoft .NET Passport account and Internet access or Microsoft Exchange 2000 Server instant messaging account and network access (some configurations may require download of additional components)

    OK, enough is enough. Since when do you need a Microsoft .Net Passport account to use ICQ, Yahoo, AIM, AOL, IRC or any other instant messaging clients? MSN only!

    For voice and videoconferencing, both parties also need:

    • 33.6 Kbps or higher-speed modem, or a network connection

    • Microphone and sound card with speakers or headset

    For videoconferencing, both parties also need:

    • Video conferencing camera

    • Windows XP

    If you intend to use videoconferencing a Broadband connection is strongly recommended.

    For application sharing, both parties also need:

    • 33.6 Kbps or higher-speed modem, or a network connection

    • Windows XP

    For remote assistance:

    • Both parties must be running Windows XP and be connected by a network

    For remote desktop:

    • A Windows 95 or later–based computer, and the two machines must be connected by a network

    Tip: Windows XP Professional remote desktop software can be installed on Windows 9x with the the Widows XP Pro. install CD.

    For sound:

    • Sound card and speakers or headphones

    For DVD video playback:

    • DVD drive and DVD decoder card or DVD decoder software

    • 8 MB of video RAM

    Tip: Windows XP Professional and Windows XP Home do not come with DVD decoder software installed. You can get a DVD decoder by down loading a free one from Roxio or by installing a DVD media player like WinDVD or nVDVD. Once a windows DVD decoder is installed, DVD content can be played with most media players including Windows Media Player.

    For Windows Movie Maker:

    • Video capture feature requires appropriate digital or analog video capture device

    • 400 MHz or higher processor for digital video camera capture

    • Actual requirements will vary based on your system configuration and the applications and features you choose to install. Additional available hard disk space may be required if you are installing over a network.

    Disclaimer: Having hardware meeting these requirements does not mean that the PC will perform to your satisfaction.

    Test syst

    Rich Jerk Review
    This is my review of The Rich Jerk's best-selling ebook.I first started putting the jerk's methods to work toward the end of 2005, and since then I've had plenty of time to sit back and reflect on the impact that reading the jerk's book had on me. He's an a**hole, no doubt, but if you look past the marketing gimmicks there is actually a lot of really good information packed into those pages. It is especially good for people that are not already making money online.FIRST THINGS FIRST: The first thing you should know is that the Rich Jerk is a character... not really a person. Well there is a person who is the rich jerk, but he's an actor. His name is Kelly Felix and he's actually married. The whole "rich bachelor" thing is just a marketing ploy. Having said that, despite his cheezy but effective marketing tactics, I think this book contains some very good information.THE REVIEW: The
    >Microphone and sound card with speakers or headset

    For videoconferencing, both parties also need:

    • Video conferencing camera

    • Windows XP

    If you intend to use videoconferencing a Broadband connection is strongly recommended.

    For application sharing, both parties also need:

    • 33.6 Kbps or higher-speed modem, or a network connection

    • Windows XP

    For remote assistance:

    • Both parties must be running Windows XP and be connected by a network

    For remote desktop:

    • A Windows 95 or later–based computer, and the two machines must be connected by a network

    Tip: Windows XP Professional remote desktop software can be installed on Windows 9x with the the Widows XP Pro. install CD.

    For sound:

    • Sound card and speakers or headphones

    For DVD video playback:

    • DVD drive and DVD decoder card or DVD decoder software

    • 8 MB of video RAM

    Tip: Windows XP Professional and Windows XP Home do not come with DVD decoder software installed. You can get a DVD decoder by down loading a free one from Roxio or by installing a DVD media player like WinDVD or nVDVD. Once a windows DVD decoder is installed, DVD content can be played with most media players including Windows Media Player.

    For Windows Movie Maker:

    • Video capture feature requires appropriate digital or analog video capture device

    • 400 MHz or higher processor for digital video camera capture

    • Actual requirements will vary based on your system configuration and the applications and features you choose to install. Additional available hard disk space may be required if you are installing over a network.

    Disclaimer: Having hardware meeting these requirements does not mean that the PC will perform to your satisfaction.

    Test syst

    Tax Records To Keep
    One of the most confusing aspects of taxes is tax records. How long is one supposed to keep these important records is often up for debate and most people do not bother saving them all.The first thing that should be noted is that one should do more than keep their actual tax returns. It is just as important to keep your receipts and other documents like bank statements that support the things you have put onto your tax forms. One is really just as important as the other.Audits do happen and in case they happen to you, it is important that you have all of the documentation that you need in a handy place at home. It is wise to consider starting a file either in a file cabinet or perhaps on a shelf or even in a drawer. Keep these important tax documents separate from other papers to avoid confusion and loss.If you choose to file electronically online-as more and more people are beginning to do-you need to remember to request hard copies
    VD decoder card or DVD decoder software

  • 8 MB of video RAM

    Tip: Windows XP Professional and Windows XP Home do not come with DVD decoder software installed. You can get a DVD decoder by down loading a free one from Roxio or by installing a DVD media player like WinDVD or nVDVD. Once a windows DVD decoder is installed, DVD content can be played with most media players including Windows Media Player.

    For Windows Movie Maker:

    • Video capture feature requires appropriate digital or analog video capture device

    • 400 MHz or higher processor for digital video camera capture

    • Actual requirements will vary based on your system configuration and the applications and features you choose to install. Additional available hard disk space may be required if you are installing over a network.

    Disclaimer: Having hardware meeting these requirements does not mean that the PC will perform to your satisfaction.

    Test system:
    Having read these requirements I decided to do an experiment with an old IBM PC I had laying around. The PC consisted of an Intel Pentium 350Mhz CPU, Intel motherboard and 128 Mg. of compatible RAM. Also included a working Super VGA card with 4 Megabytes of video RAM and a 12x CD-ROM that supported booting from a CD. I finished the system off with a 5400 RPM, 1.2GB hard drive (1.5GB drive was not available).

    I used the Windows XP Pro default install method allowing the install application to determine what was best for the system it detected. The results were beyond disappointing to brink of laughable. I fell asleep after an hour waiting for the install process to finish so I don't really know how long it took. After rebooting 2 or 3 times to get all hardware drivers installed and configured correctly I was ready to use the system.

    The first thing you notice after the Windows desktop loads is the video. I had only the very basic features. Screen resolution was limited to 640 x 480 16 bit or 800 x 600 256 color. Most of the GUI features like icon and menu animations and font shadowing were greyed out (disabled). Windows XP's famous GUI interface wasn't very gooey was it?

    A quick check of the hard disk properties showed the clean Windows XP Pro. Install had eaten up just under 1GB of disk space leaving about 350MB free. That is not enough space to install Microsoft Office or much of anything else.

    Executing any program or utility caused a mind numbing wait while watching the black and white hourglass spinning jerkily for several minutes. It quickly became obvious that very few people would have the patience to use such a slow system. Did I mention that it took upwards of 5 minutes to boot?

    System Requirements XP Wrap-up:
    Windows XP hardware requirements might be high but it makes up for it in ease of use. The biggest advantage Microsoft Windows XP operating system has over the competition is hardware detection and compatibility. Windows XP has the ability to detect hardware and install usable drivers with few problems. This is a big bonus for technicians and users alike and keeps Microsoft the "Top Dog" in the Desktop Operating System race.

    The "auto hardware driver installation" ability also keeps the Linux Operating System in a slowly gaining but "not ready for prime time" position. I feel it is worth mentioning that the developers of the Linux Debian core are making great strides forward in this area.

    Well, maybe some day soon...

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