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  • Casual Articles - Working out Your Footprint

    Piggyback Second Mortgage
    The Piggyback Second Mortgage provides an option to home buyer who can not afford a twenty percent down payment. Without enough funds for twenty percent down payment, the home buyer pays an expensive Private Mortgage Insurance (PMI). Mortgage Lenders are able to provide the usual ten percent second mortgage without PMI. Only a few mortgage lenders can provide fifteen or twenty percent second mortgage without PMI.Another term for piggyback second mortgage are 80/10/10, 80/15/5, 8
    e worst culprits, and - the final 1/3 comes from food miles ie the emissions resulting from getting food to your table (which is why it’s important to get locally grown food as much as possible).

    Working out your carbon footprint can be quite complicated; you need your energy bills, to know how many miles you drive, and to work out how far you’ve flown, or travelled by train or bus, b

    How To Win In Futures Trading With This Simple Tactic
    Surprisingly, many profitable speculators have success rates between 30% and 50%. Futures traders are not successful because they predict prices well. They`re winning because their profitable trades far exceed their losses. The truth of the matter is all Futures systems win and lose.Psychologically, this can make following a system difficult. Futures market professionals achieve success in this environment by controlling risk with money management rules. But, controlling risk go
    Unless you’ve been hiding out in the Outer Hebrides for the past few years, you’ll have heard about climate change and the effect it’s having on the Earth.

    In a nutshell, rising levels of greenhouse gases in the atmosphere, mainly Carbon Dioxide (CO2), resulting from man’s activities, are causing the planet to heat up (this used to be called global warming) causing all sorts of unpleasant side effects: melting ice caps, rising sea levels, very bad weather, water shortages, droughts, famine, extinction of species, and worse to come for us if we continue to ignore the warnings.

    The big problem is that we’ve all been living like we had 4 planets to sustain us. In the South East we’ve been particularly bad apparently.

    That’s the bad news. The good news is that if we all took some actions, even small ones, they’d add up to something much bigger that would make a difference, and maybe we can stop this thing, before, it gets really really awful.

    (For a great explanation of all this, check out Al Gore’s film An Inconvenient Truth – out on DVD now.)

    So where to start. Well, first off we each need to work out our own carbon footprint - a measure of our individual impact on the environment, measured in units of CO2 - and then we can work out how to go about reducing it.

    As a guide, the carbon footprint of a typical household breaks down like this:

    - roughly 1/3 of the CO2 emissions come from the energy used to heat and power your home - another 1/3 comes from transport, including driving, and especially flights, one of the worst culprits, and - the final 1/3 comes from food miles ie the emissions resulting from getting food to your table (which is why it’s important to get locally grown food as much as possible).

    Working out your carbon footprint can be quite complicated; you need your energy bills, to know how many miles you drive, and to work out how far you’ve flown, or travelled by train or bus, bu

    Time Management 101 - Plan Your Week
    Being a manager is not an easy job. There is a lot to it. There is never enough time in the day to get everything done. However, to achieve success, you must address the most important things first. Then the other things will fall into place.The best way to do accomplish this is by planning your week first thing Monday morning. Review your email, schedule, and to-do list. Determine what you need to accomplish for the week. Write the activities down—preferably in your electronic
    ant side effects: melting ice caps, rising sea levels, very bad weather, water shortages, droughts, famine, extinction of species, and worse to come for us if we continue to ignore the warnings.

    The big problem is that we’ve all been living like we had 4 planets to sustain us. In the South East we’ve been particularly bad apparently.

    That’s the bad news. The good news is that if we all took some actions, even small ones, they’d add up to something much bigger that would make a difference, and maybe we can stop this thing, before, it gets really really awful.

    (For a great explanation of all this, check out Al Gore’s film An Inconvenient Truth – out on DVD now.)

    So where to start. Well, first off we each need to work out our own carbon footprint - a measure of our individual impact on the environment, measured in units of CO2 - and then we can work out how to go about reducing it.

    As a guide, the carbon footprint of a typical household breaks down like this:

    - roughly 1/3 of the CO2 emissions come from the energy used to heat and power your home - another 1/3 comes from transport, including driving, and especially flights, one of the worst culprits, and - the final 1/3 comes from food miles ie the emissions resulting from getting food to your table (which is why it’s important to get locally grown food as much as possible).

    Working out your carbon footprint can be quite complicated; you need your energy bills, to know how many miles you drive, and to work out how far you’ve flown, or travelled by train or bus, b

    Should You Consolidate Your Debts?
    If you have gotten yourself into debt over your head, you are probably wondering, should you consolidate your debts? It can help you manage matters and get those debts paid off, but it isn't for everyone. In addition, some people qualify for credit counseling, which will help you pay off your debts by reducing the interest and payments for each. Hopefully you can get out of debt without going this far.The first step to getting your debts under control is to write out your exact
    e all took some actions, even small ones, they’d add up to something much bigger that would make a difference, and maybe we can stop this thing, before, it gets really really awful.

    (For a great explanation of all this, check out Al Gore’s film An Inconvenient Truth – out on DVD now.)

    So where to start. Well, first off we each need to work out our own carbon footprint - a measure of our individual impact on the environment, measured in units of CO2 - and then we can work out how to go about reducing it.

    As a guide, the carbon footprint of a typical household breaks down like this:

    - roughly 1/3 of the CO2 emissions come from the energy used to heat and power your home - another 1/3 comes from transport, including driving, and especially flights, one of the worst culprits, and - the final 1/3 comes from food miles ie the emissions resulting from getting food to your table (which is why it’s important to get locally grown food as much as possible).

    Working out your carbon footprint can be quite complicated; you need your energy bills, to know how many miles you drive, and to work out how far you’ve flown, or travelled by train or bus, b

    Article Marketing and List Building - The New Internet Marketing?
    The most interesting thing has happened. I have stumbled into it.You see, when I first got started online, I heard about article marketing and I heard about list building.And I started building a list, and I used article marketing to drive traffic to my list.I was just trying to do what I thought would make me money.And article marketing was driving nice traffic. And the list building of course is the only way to go online, if you want to create long term
    of our individual impact on the environment, measured in units of CO2 - and then we can work out how to go about reducing it.

    As a guide, the carbon footprint of a typical household breaks down like this:

    - roughly 1/3 of the CO2 emissions come from the energy used to heat and power your home - another 1/3 comes from transport, including driving, and especially flights, one of the worst culprits, and - the final 1/3 comes from food miles ie the emissions resulting from getting food to your table (which is why it’s important to get locally grown food as much as possible).

    Working out your carbon footprint can be quite complicated; you need your energy bills, to know how many miles you drive, and to work out how far you’ve flown, or travelled by train or bus, b

    Mortgage Leads, Increase Your Closure Ratio
    If you are a loan officer or a mortgage broker, and you are currently using a mortgage lead provider, or you are considering investing with one, one of the most important things you should take into consideration, is the closure ratio.If you are closing anywhere from 5% to 12% of the leads you purchase, than you are doing very well according to the industry’s standard.Here are a few helpful hints to increase your closure ratio.Keep in mind that a lead provider does
    e worst culprits, and - the final 1/3 comes from food miles ie the emissions resulting from getting food to your table (which is why it’s important to get locally grown food as much as possible).

    Working out your carbon footprint can be quite complicated; you need your energy bills, to know how many miles you drive, and to work out how far you’ve flown, or travelled by train or bus, but there are quite a few websites out there that can help – try www.carbonfootprint.com or www.climatecare.org. The average for a UK household is about 12.5 tonnes of CO2.

    When I worked out my own footprint, I discovered that almost 50% of my total carbon emissions last year came from two short haul flights (to Ibiza and Toulouse - 2 tonnes of CO2), which was quite an eye opener, and is making me think about how many flights I take in future. The next biggest contributor, at about 800 tonnes, was the electricity I use. Luckily I now buy green electricity, from 100% renewable sources like wind, solar and wave power – it doesn’t cost any more (go to www.goodenergy.com and say I sent you) – so I’ve done something about that. I also belong to a car club instead of owning a car, so my car usage is quite low.

    Once you’ve worked out your own carbon footprint, you can set about reducing it – the long term target is a miniscule 1 tonne of CO2 per person per year. Here are some ideas to get you started:


    Use alternatives to planes wherever possible (check out www.Seat61.com)

    Avoid short trips in the car

    Get low energy lightbulbs

    Buy electricity from renewable sources

    Turn things off when you’re not using them, and don’t leave appliances on standby, which can use up to 85% of the energy of the appliance

    Cover food when cooking

    Boil only the water you need

    If everyone upgraded their fridge to an A-rated model, co2 emissions would be cut by the equivalent of 47 million double d

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