Top 7 Tips to Get the Most Value Out of Your Home appraisal

Home sellers and owners refinancing their mortgages often have to undergo a unique ordeal: the home appraisal. If you're selling, you want the top estimate value inherent to make sure the sale goes through. If you're refinancing you're probably cashing out equity. either way, each dollar of appraised value is potentially a dollar in your pocket.

It's never a good idea to try and fool the appraiser - most of them have seen every trick in the book - but there are simple things you can do to squeeze some extra value or equity out of your home.

Lease Homes San Antonio Tx

1. Make the place presentable.

You don't have to be able to eat off the floors - the house doesn't even have to be as spotless as it would be for an open house. But impressions matter. Strewn laundry, dirty dishes, full wastebaskets, all can conduce to the wrong kind of impression.

2. Fix or replace broken windows, railings, steps, and other hazards.

Your chances of being able to avoid this, even if the buyer doesn't care, are slim to none now that the mortgage lender wants an appraisal. (And zero if your buyer is going through the Fha.) So take care of it beforehand. And any appliances that are staying with the house, if you're selling? Those have to work, too.

3. Have your real estate agent gift while the inspection.

You can't normally fool an appraiser - and your agent can't either. But your agent is trained good to think on his feet at times like these, and is more likely to address nagging concerns of the appraiser's than you are. Sellers, your agent works for you - put him to work while the appraisal.

4. Love what you've done with the place?

Hardwood floors four years ago? Bathroom remodeled two and a half years ago? Lawn re-sodded last summer? Bring these to the appraiser's attention. Don't expect your appraised value to go up by the amount you invested, but don't be shy about pointing out what you've done.

5. Control your pets and kids.

The less stressful the appraiser's inspection, the good off you'll both be. An appraiser worried about being attacked or who is permanently distracted isn't as likely to come through with the top value.

6. Control the urge to do the appraiser's job for him.

You will often hear that you should propose homes sold in the area recently the appraiser can collate yours to. In truth, the appraiser considers that his job, and is more likely to resent it than be grateful. And he may have a point. You - and your agent - are interested in getting the top value possible. The appraiser knows that, and may in effect allowance a comparable sale you come up with.

That being said, data and suggestions offered will often be graciously received. Just don't overdo it. Understand where the appraiser is arrival from - he understands where you're arrival from.

7. Cooperate.

A lot of citizen don't like a stranger wandering nearby their home sizing it up. But it's for your own good. And a friendly, cooperative owner makes a much more convenient impression than a competing one.

When it's time to order your appraisal, it's general to feel a bit worried or intimidated. However, if you've done your homework as to the value of your home, you should rest easy. supervene these simple suggestions, and when the estimate is in, you will in effect be happy!

Top 7 Tips to Get the Most Value Out of Your Home appraisal

Southwestern Style - How to Dress Like a Texan

Are you seeing for San Antonio style clothing? If you live in Texas and like to dress in the southwestern style, you may enjoy buying some Texas style clothing. To de facto dress like a native Texan, look for the following clothing items:

Cowboy Hat

Apartment Finder San Antonio Tx

Texas is cattle country. Long before oil became the mainstay of the Lone Star State, cattle was where the money was at. In fact, even today, cattle money is determined "old money" in this state, while oil money is the "new money." Cowboy hats are worn by pretty much everyone in Texas. You can get one in most shops that sell hats and you will look like you fit right in to the Texas landscape.

Cowboy Boots

Texas is also boot country. all is bigger in Texas, even the shoes. Cowboy boots are not just for cowboys in this state and just about everyone owns a pair. Look for good snakeskin or leather when you are seeking cowboy boots. There are several separate types of boots that you can get and some will cost several hundred dollars. Boots are in when you are in Texas so you had better get yourself a pair of good cowboy boots.

Leather Vest

Part of your Texas clothing should be a leather vest. This is something that both men and women wear with pride. Vests have all the time been in style in the southwest. Black leather or suede will go nicely with your ensemble.

Jeans

Texas is a very casual part of the country, so you had better stock up on blue jeans if you are going to wear Texas clothing. Jeans were originally made for cowboys and working men but are now part of our every day culture. Chances are that you already have jeans in your closet. For true cowboy style, don't tuck your pant legs into your boots. Look for "boot cut" jeans which allow them to de facto fit over the top of your boots.

If you are a man, you will want to wear a Texas tie instead of a traditional tie. Women can wear skirts such as leather fringe skirts instead of wool or cotton skirts. If you have ever visited Texas, you can see how the population dress and wear similar clothing.

San Antonio is right in the heart of Texas and is a great place to live as well as visit. If you want to get the jump on the best San Antonio clothing, take the tips in this report and start dressing Texas style.

Southwestern Style - How to Dress Like a Texan

Homes for Sale By Owner Land covenant Michigan

The homes for sale by owner land contract Michigan residents are able to contribute to interested parties a home at an affordable price. A land contract in Michigan is often beneficial for both parties, when conducted in the exact manner.

There are a amount of instances in which reputable and trustworthy individuals in Michigan will find themselves in financial trouble and facing a potential foreclosure on their home or land. Instead of succumbing to this problem, it is leading that these individuals realize that hope does not need to be lost in these unfortunate situations.

Rental Homes In Memphis Tn

Even in these troubling times, there are alternatives available to these people aside from the foreclosure on their property. A land contract in Michigan can be just the thing to help these people, or anyone that is seeing to sell their property quickly and without entertaining a mortgage company.

As a contract in the middle of the owner of the property in the state of Michigan and the buyer or purchaser of the aforementioned property, a land contract in Michigan allows the transaction to take place for a pre-determined and specified monetary amount, in replacement for the possession to the land or home. The purchaser agrees to make the decided upon payments for the property over time to the seller, who is required to hand over the corporeal manifestation of the deed to the property owner or purchaser when the entirety of the land contract has been paid in full.

The laws surrounding the homes for sale by owner land contract Michigan residents must cleave to are outlined in a very clear way in these instances. possession and living rights, for all intents and purposes, are immediately available to the purchasers of the many available homes for sale by owner land contract Michigan residents have to offer. In the end, it is the title that is not turned over to the purchasers until the payments have all been made. This is what allows the sellers to claim some collateral when they are in the process of selling their properties. Homes for sale by owner land contract Michigan laws are able to safe sellers in this way.

However, land contracts are also beneficial for interested buyers as well. For example, buyers who want to own a home but have poor or damaged reputation can often work with sellers on terms. Investors, like us here, can also help educate buyers on ways to mend their reputation and get them the financing they need.

Sometimes bad things happen to good people and man who can make monthly payments and has some money to put down on a home should be able to buy one, even if the bank isn't willing to give out a loan.

he sale of the home in this specific type of contractual business transaction , therefore, is able to help all complicated parties. Despite the many benefits, there are a amount of states that have, over the years, presented a amount of problems when it comes to production the possession of a property easy in the form of a land contract.

Homes for Sale By Owner Land contract Michigan

However, a land contract in Michigan is a valid form of property transaction. Homes for sale by owner via land contract in Michigan bring contribute to the market as options for potential buyers who would otherwise not be able to buy a home.

As long as the seller is motivated and willing to work on terms and the buyer has stable revenue to make monthly payments and has a bit of money for a downpayment, a win/win situation can often be structured.

Homes for Sale By Owner Land covenant Michigan

Cell Tower Lease Rates

What are the cell tower lease rates where your potential cellular site is located? Evaluating cell site lease rates is difficult because there isn't much comparative data ready to the public. What we can tell you about cellular lease rates is that the cellular carriers are all trying to save money, and they are not paying as much as they used to pay for rooftop and tower rentals a few years back.

Landlords and property owners are commonly contacted by the carriers via third party site acquisition leasing fellowships who are paid for identifying sites and getting a lease signed at a new cell tower site. They are paid on the rental price and the terms that they can negotiate. The good the terms for the carrier, the more potential the leasing advisor has for manufacture a larger bonus. Translated, the worse the deal is that they shove down your throat, the more money they make. If they tell you they are not paid on a agenda that rewards them for giving you a lower lease rate they are lying. The carrier leasing fellowships are also paid premiums for turning a lease colse to quickly.

Lease Homes San Antonio Tx

So if you've been contacted to put a cell tower on your property or antennas on your rooftop the clock is ticking against you. You need to rate the offer and form out if the offer they gave you is a fair one, mediocre one, or a low ball stinkin' bad offer. You also need to rule if the wireless carrier has any other choices where they can go in your neighborhood which would be a good location. That will rule the whole of leverage you have in the negotiation. You need to answer to them and you are approximately all the time at a primary disadvantage. And they know that.

Of course, you can negotiate what seems to be a good deal on its face, and still end up with a dog of a deal if the you don't pay close attentiveness to the telecom leasing terms and the confusing language. Chances are you are not a telecommunications legalese expert, and neither is your real estate attorney. Cell tower leasing rates vary from county to county within a state. In 2009 we negotiated any cell site leases with the same carrier in the New York City Metropolitan Area, and the leases negotiated assorted from ,500 per month to ,000 per month. The incompatibility in price had a lot to do with wireless ordinances and poor coverage in a primary area.

Here are samples of some up-to-date cell tower lease rates we have seen offered initially to landlords in assorted parts of the country for tower leases and rooftop leases:

• New Jersey, T-Mobile ,500
• New Jersey, Clearwire ,100
• New Jersey, T-Mobile ,250
• New Jersey, Verizon Wireless, ,650
• New York, Metro Pcs ,300
• Pennsylvania, At&T 0
• Pennsylvania, Verizon Wireless 0
• Virginia, At&T 0
• Los Angeles, T-Mobile ,300
• Houston, Tx Clearwire 0
• San Diego, California ,400 T-Mobile

The cell tower leases offered to property owners are heavily tilted in favor of the carriers and are too burdensome for some. Any way in life and in the wireless leasing game there are two kinds of landlords, the quick and the dead. Don't get killed by the carriers on your cell tower leases. They have hired guns to get them the best deal possible. Shouldn't you?

Cell Tower Lease Rates

This is Your Brain on Technology - The follow of Technology on public Interaction

What did habitancy do with their time 20 years ago? How did we ever manage without personal computers, the Internet, cell phones, iPods and 24 hour cable news? The technological scenery is vastly different these days and scientist are wondering just what that means for our brains.

According to investigate done last year by Ucla scientist Dr. Gary Small, daily doses of technology may be altering the way the brain functions, particularly in collective skills. He suggests that all that screen time may weaken the brain circuits involved in face-to-face interactions. He is concerned that underlying collective skills like reading facial expressions during a conversation are being compromised.

Apartment Finder San Antonio Tx

Small is particularly concerned about what he calls the digital native, those in their twenties and younger who have been "digitally hard-wired since toddlerhood." As he explained in an connected Press article, the digital native runs the risk of being socially awkward and isolated by their inability to explicate non-verbal messages from people. He is afraid this may be particularly true in the classroom that still relies on former verbal study along with interaction with the educator and other students.

Small argues his case in his book "iBrain: Surviving the Technological Altercation of the contemporary Mind." He admits that his investigate about either or not all this technology is changing brain circuitry is new and ongoing.

Other studies, in fact, have taken the opposite tact by looking determined outcomes for technology users. A MacArthur Foundation study found that teens feel very connected to each other straight through online collective networking. The study allayed some parents' fears that teenagers are vulnerable to online predators the more time they spend socially on the Internet. "The study found that most teenagers steer clear of dangerous sites and use the Web only for investigate or to recap with established friends," according to an description in the Austin-American Statesman.

Parents who are too protective and prohibit computer use for their teens may be holding their kids out of the broader collective loop. The study found that teenagers move between the online collective world and the face-to-face interactions with relative ease, one construction on the other.

Dr. Maryanne Wolf of Tufts University thinks technology may even affect how habitancy learn to read. Technology requires users to gain facts quickly, rather than the more methodical and sophisticated methods of comprehending quarterly reading material. She is learning if this rapid facts conferrence could be changing the normal brain pathways formed when reading. She is particularly inviting about the affect on young children as technology becomes a more integral component of contemporary classrooms.

As with any new facts technology, like 50 years ago with the inclusion of television to the average American home, there will be curiosity and controversy. It is undoubtedly hard to imagine how our brains waited for the morning paper or the evening news to hear what was going on in the world colse to us. It seems like each generation has a quicker learning curve when it comes to the most recent technology. That could just be human nature, or it could be the circuitry of the brain changing and adapting to the technologically saturated world in which we live.

This is Your Brain on Technology - The follow of Technology on public Interaction

San Antonio Car Auctions - The Biggest Car Auction Event For San Antonio Used Cars

If you've long wanted to get an automobile but you're unsure about where to get them, then your best bet is to join the San Antonio auto auctions. Getting used vehicles is a great alternative since you don't have to spend a fortune getting a brand new one. Going on shopping spree is a real treat. You can find some of the nicest units with indeed good prices in auto auctions. You can find some of the greatest bargains at the San Antonio car auctions. They feature some of the widest range or vehicles and can give you roughly limitless options when it comes to picking a second hand car.

The Texas Auctions

Apartment Finder San Antonio Tx

The San Antonio auto auction is one of biggest auctions held for superior vehicles. This auto auction is a semiannual event that is also known as the Austin Collector's Auto Auction. They auction off superior units semiannually and give collectors a opening to own the automobile of their dreams. Thousands of vintage or classis auto enthusiasts attend these superior auto auctions from the world over. It is estimated that over 500,000 people attend the San Antonio car auctions each time they hold an event. One of the largest and leading auction firms today, the Kruse International, sponsors this auto auction.

The Kruse International

This enterprise is one of the leading auction firms and also the largest auto auction enterprise today. They sell more vintage automobiles than most other fellowships combined. The Kruse International auctions off more than 13,000 vehicles in more than 30 events and dozens of properties every year. They are known to be the first to sell a car at 1 million dollars in cash, which was a 1934 Duesenberg Sj La Grande. They continue to break records by selling vintage private automobile collections of paramount people. Selling them with roughly no reserve, the Kruse International has come to be a leading name for people who love to accumulate and participate in vintage or superior car auctions.

They usually auction off different types of vehicles, apart from the vintage ones. They also sell sports vehicles, celebrity and exotic cars. They hold 30 auctions every year in some cities, together with Auburn, Las Vegas, Atlantic City, Dallas, and San Antonio to name a few.

Therefore, if you want to get a opening to enjoy vintage cars, then drop by and attend the San Antonio car auctions, you just might find the car of your dreams.

San Antonio Car Auctions - The Biggest Car Auction Event For San Antonio Used Cars

Incall Massage Versus Outcall Massage

In my San Antonio Massage and Bodywork practice I frequently receive calls from prospective clients who are unclear about the differences in the middle of incall massage sessions and outcall massage sessions. Some people, never having had a massage, have easily no idea what the terms incall and outcall mean. Many are surprised that there is a unlikeness in price.

I'll construe the differences in the middle of incall and outcall massage sessions:

Apartment Finder San Antonio Tx

Incall Massage is a massage that occurs in the Massage Therapist's office, salon, or clinic. The advantages of incall massage for the client are:

1. During the incall massage session the Massage Therapist can easily operate the temperature, lighting, and music used During the session to enhance your relaxation;

2. During the incall massage session there are no ringing telephones, no noisy televisions, no blaring stereos;

3. During the incall massage session nobody interrupts your massage...not your children, spouse, or employer;

4. All massage and bodywork techniques that the Massage Therapist uses, together with Hot Stone Massage, are available During an incall session;

5. The incall massage session is less costly than an outcall massage session.

Outcall Massage is a massage that takes place in your home, office, or hotel room. Outcall Massage is also known as a Housecall Massage, Onsite Massage, or movable Massage. The advantages of outcall massage for the client are:

1. During an outcall massage you are in your own familiar surroundings;

2. During an outcall massage you can be close to habitancy or situations that may need to be monitored while still getting a great massage;

3. While visiting a new city an outcall massage session ensures you won't get lost finding for the Massage Therapist's location;

4. During an outcall massage you can receive almost all of the same types of massage and bodywork that are available During an incall massages session;

5. After your outcall massage you don't have to leave. There is no need to travel, you can just stay put and let the freedom sink in.

Generally there is a unlikeness in pricing in the middle of incall massage and outcall massage. Incall massage sessions allow the Massage Therapist to use their time more efficiently so it's less costly for the client. Outcall massage sessions require the Massage Therapist to devote a great deal of tour time and setup time to the session. The further tour and setup time is often enough to have seen an further incall massage client...so outcall massage may be up to twice the price of an incall massage.

Whether you select incall massage or outcall massage you'll get a great massage. If you're in San Antonio my Massage and Bodywork practice called Massage By Ben offers both incall and outcall massage sessions.

Incall Massage Versus Outcall Massage

20 Biggest Grant making Foundations For Christian Organizations

The quiz, of what foundations to turn to for funding is one Christian ministries and churches ponder over all the time. There are of course discrete factors to consider. The degree of compatibility in the middle of your mission and the aims of a foundation remains the most leading consideration. But at a time when foundation funding is declining, it helps to know which foundations are giving the most - along with knowing a small about their comprehensive purpose, the kinds of Christian organizations they fund, and the kinds of programs that interest them.

The following are the top 20 Christian grant funding sources in terms of funding generosity.

Rental Homes In Memphis Tn

1. Of all the Christian grant foundations accepting applications at this time the Alharetta, Georgia-based National Christian Foundation (Ncf) provides the most funds. Seeking to supplementary the gospel of Jesus Christ, its funding territory is national. This is largely a donor advised fund. A donor-advised fund is a charitable giving vehicle administered by a third party and created for the purpose of managing charitable donations on profit of an organization, family, or individual. A donor-advised fund offers the occasion to create an easy-to-establish, low cost, flexible vehicle for charitable giving as an alternative to direct giving or creating a secret foundation.

Ncf helps individuals and families plan their giving through such programs as the inheritance Fund (after death giving). It advises them on asset giving (cash, stocks, real estate, firm interests, restricted securities) and shows them how to equilibrium wage needs and estate planning goals (through charitable trusts and charitable gift annuities.)

The particular Charity Fund allows supporters to donate all kinds of assets; the professional Advisors group - comprised of financial planners, Cpa's, attorneys, and more - advises supporters in the art of tax-efficient giving.

2. The Christian Aid Ministries is a foundation based in Berlin, Ohio. Having an international gift giving scope, the Ministries seeks to "provide spiritual and material assistance such as food, clothing, medicine, and Christian literature to needy people in discrete countries." It also provides crisis funds and in-kind gifts. The Ministries supports Amish, Mennonite, and other conservative Anabaptists as they priest to the bodily and religious needs of people worldwide. It aids victims of war, famine, and natural disasters.

3. The Nehemiah Corporation is a foundation out of Sacramento, California. Its mission is to facilitate "home proprietary and asset improvement opportunities for diverse populations in underserved neighborhoods across the U.S., while maintaining a commitment to successful, responsible homeownership." It gives mostly to California foundations and individuals and to Christian organizations that sustain its mission.

4. The Trinity Christian town of Santa Ana is a foundation from Tustin, California. It supports Christian services and organizations that seek to spread the gospel around the world. It provides care, comfort, and crisis aid to the sick, the disabled, the homeless. It is also known for producing televised religious broadcasts for ministries that spread the gospel worldwide.

5. The Barnabas Foundation is a foundation from Tinley Park, Illinois that supports its nearly 200 member Christian ministries through planned giving and estate planning. Its participating churches include inheritance Churches, Good Steward Ministry Churches, Member Asset administration Churches, Member Churches. It also offers stewardship schooling as well as improvement programs that facilitate stewardship "based on God's proprietary of all gifts."

6. The J. Bulow Campbell Foundation is an independent foundation from Atlanta, Georgia. The foundation seeks to uplift "intellectual and spiritual life, preferably projects of a permanent nature or for capital funds." It does not fund operating expenses or recurrent programs except in cases where funding might allow a principal new agenda to consequent without continuing sustain from the foundation. It gives anonymously to church-related agencies of the Presbyterian Church, but not to congregations. It mostly supports organizations in Georgia, though it does give to organizations in Alabama, Florida, North Carolina, South Carolina, and Tennessee.

7. The Rupert H. Johnson Foundation is an independent foundation in San Mateo, California that generally funds only educational programs in California and Virginia. Only Christian organizations seeking grants for schooling programs in these two geographic regions would be eligible for funding.

8. The Rees-Jones Foundation, a family foundation based in Dallas, Texas, funds "programs that help heighten the potential of life for the underserved of north Texas." It provides employee/matching gifts and funds capital campaigns, general operations, administration and agenda development, and scholarship funds. It supports churches that seek to relax hunger, and it provides healing care for the mentally and physically disabled, educational opportunities for youth, and affordable housing, shelter, and spiritual improvement for those left behind.

9. The Poplar Foundation is an independent foundation that mostly gives within its base of Memphis and the metropolitan area. It funds mostly youth services and education. Ministries that focus on these two areas are eligible for funding.

10. The Wege Foundation, an independent foundation in Grand Rapids, Michigan, gives mostly within Kent County and above all in Grand Rapids. Christian agencies that furnish health, human services, and schooling are likelier to receive funding from the foundation than those that do not. It funds annual campaigns, building/renovation, capital campaigns, curriculum development, endowments, equipment, matching/challenge campaigns, and agenda development.

11. The Hope Christian society Foundation is a Christian group charity society foundation in Memphis, Tennessee that "helps Christians share their wealth with others in the most thoughtful and efficient ways." It serves ministries by administering and managing group funds, contribution a cash administration pool, investing endowments, and production grants through the Hope of Memphis Fund. It partners with churches to serve the community, administer church and donor-advised funds for church members, and offer a cash administration pool.

12. The Maclellan Foundation is a Chattanooga, Tennessee-based independent foundation. It gives internationally and nationally, stressing Chattanooga. It is the largest of a group of four family foundations that are committed to "fulfilling the Great Commission of Jesus Christ through strategic giving." The foundation provides financial and leadership training to local organizations that heighten the spiritual wellbeing of the Commission by working "to increase the Kingdom of God to every tribe, nation, person, and tongue." Toward that end, the foundation offers consulting services, equipment, general/operating support, agenda improvement and evaluation, and seed money to Christian organizations.

13. The New York City-based American Bible society is a foundation that translates, publishes, and distributes the Bible in every language it can. The society wants every someone "to palpate the Bible's life changing message." It collaborates with other Christian organizations along with Faith Comes by Hearing, the inventor of an audio version of the Bible. Other partners are Feed the Children, the military Ministry, Mission Year, Samaritan Purse/Operation Christmas Child, United Bible Societies, and the National relationship of State and Regional Bible Societies.

14. The National Endowment relationship is a group charity in Princeton, Indiana that helps small to mid-sized charities in the United States, mostly religious ministries, endow funds. The objective is to free ministries from the constant demands of fundraising so they can devote more time to their missions. The relationship helps them solicit long-term planned gifts, something the larger charities already have the means to do. It helps them tap into larger funding sources through tax-exempt planning. It also helps them promote their charity by contribution website templates, educational classes, marketing material templates, marketing/fundraising consultation, and donor/consumer seminars.

15. The Harold Simmons Foundation of Dallas, Texas is a company-sponsored foundation. It provides grants that sustain zoos, arts and culture, education, energy, health, substance abuse treatment, Hiv/Aids treatment, disaster relief, athletics, human services, human rights, society development, programs that address women's issues, and Christian organizations. It gives mostly in the Dallas/Fort Worth area.

16. The Norcliffe Foundation is an independent foundation in Seattle, Washington. It gives to organizations that advantage the arts and cultural organizations, hospitals, early childhood development, higher and secondary education, and historic preservation. It also supports healing investigate and condition associations, hospices, the environment and conservation, and group services that include programs for the disabled, the homeless, child welfare, youth agencies, and the aged. The foundation's Christian grantees are the Roman Catholic Church and religious associations. It gives mostly in the Puget Sound area of Washington, especially in Seattle.

17. The Stephen and Mary Birch Foundation of Wilmington, Delaware is an independent foundation that gives throughout the United States. It supports nonprofit institutions, communities, and organizations that sustain research, medical, health, educational, sports, group services, and artistic programs in communities across the nation. Christian organizations that work in any of these areas are eligible for funding.

18. The Harry J. Lloyd Charitable Trust in Overland Park, Kansas "supports God's work as described in the Great Commission by spreading evangelism throughout the world." It primarily supports organizations and programs that supplementary this mission. The Trust provides grants that help start new ministries or new programs or advance current programs. It funds organizations that are creative, accountable, stable, and effective. It also funds Christian programs that furnish housing, food, healing assistance, and schooling for the poor. It may also sustain healing investigate in distinct areas.

19. The Lynn and nurture Freiss family Foundation is an independent foundation out of Jackson, Wyoming. It mostly funds faith-based entrepreneurial programs, especially one-one-one mentoring. The foundation provides general/operating support, matching/challenge support, and program-related investment/loans.

20. Ibs-Stl is a foundation from Colorado Springs, Colorado. It came about in 2007 from a merger of the National Bible society and Send the Light. It gives nationally and internationally to Christian organizations that supplementary its mission of translating, interpreting, and publishing the Bible. Its goal is to give more and more people throughout the world the occasion to palpate the Bible.

Some foundations exist solely to advantage Christian ministries and churches. Others lack a direct relationship to Christianity but work to solve problems that are at the core of Christian concern. Some have a small geographic focus; others have a national focus; still others have an international focus. But wherever your club operates, and anyone programs it has, many (if not most) of these foundations are viable funding possibilities for your organization. And there are countless other possibilities. The Christian Funding Directory (Cfd), Foundation Directory Online, and Foundation quest are the most principal sources of data about foundations.

20 Biggest Grant making Foundations For Christian Organizations

Trailer Houses For Sale

Trailer houses for sale can make for a comfortable place to live or even be a profitable real estate investment. Set up on hidden land or in a trailer park, these homes are either a useful place to live or can be rented out to tenants. Here are a few tips helping you to find the excellent trailer house to buy.

Firstly you should make sure to do your study before selecting a trailer house to purchase. There are a number of mobile home manufacturers online, so assess what they offer and think about the basic needs of whatever who were to live in the trailer home. The prices will factor into your decision, but remember to bear in mind the features and the size of the home. You should think about the kind of features that will make it a good home or profitable rental.

Rental Homes In Memphis Tn

When you are buying a trailer home you are going to have to think how you will finance the purchase. Financing can often be difficult and is not the same as buying a original house. Be sure to do your study ahead of time and make sure you have the means to pay the trailer manufacturer for your new purchase.

When it comes to trailer houses for sale, you can also opt for a used trailer as a great way of recovery money and picking up a bargain. whatever you finally choose, these homes can contribute a suitable place to live or a great venture should you select to rent them out to tenants.

Trailer Houses For Sale

Sandra Bridewell

Biography

Sandra Camille (Powers) Bridewell, was born, April 4, 1944. She was adopted as a child by Arthur and Camille Powers of Sedalia, Missouri. She was known primarily as a destructive con-artist, as, over the course of more than 3 decades, the woman who became known as the "Black Widow", deceived both lovers and friends for hundreds of thousands of dollars. She is also suspected of being a part of, atleast one of her husbands and also a close friend death.

Lease Homes San Antonio Tx

It all started in a disconcerting and traumatic childhood. Reports indicate, that at the age of 3, her adoptive mother, Camille, was killed in a car-accident. Bridewell's father, Arthur, who both managed and commanded a Dr.Pepper bottling factory, eventually re-married, and the family were re-located to Oak Cliff, Texas, a suburb of Dallas. He resigned from his old position and found new employment, becoming a cemetery plot salesman.

Bridewell discovered that adjusting to her new surroundings was not the problem, the problem was adjusting to her new stepmother Doris. The two of them were continuosly fighting, whilst Bridewell would protest that her stepmother regulary locked her inside a closet, refused to send out birthday party invitations and enjoy telling her that nobody wanted her.

Bridewell graduated high school in the year of 1962. As a high school student, she would rarely date, any way after graduation, she soon began dating a series of dissimilar men. She was extreamly seductive, many of the men became totally smitten with, what a later friend would tell as, "her, 'lady-like', 'poor-helpless-me' routine". Bridewell attended junior college for a single year, it seems Bridewell had already decided her intentions, she wanted to marry into money.

Crime

For Sandra to perform her intentions, she began living a life, littered with deception and deceit. She would tell some friends, that both of her adoptive parents were killed. She would tell some others she was daughter to Irish aristocrats. The most common deceit that she used with regularity, was the "West Point Boyfriend", this entailed the story of a boyfriend who shot himself while she sat next to him in a car.

Despite Sandra's continuous deceptive nature, she was able to convince many people to believe her lies, especially men. Many stories from these men, were very similar and followed a normal theme, recalling, "She had a way" and, "Men, just sort of... Were fascinated with her". Sandra through the course of her life, would intensify the deception and lived with many dissimilar aliases.

There were many victims, from her guiltless deceit. One such victim, was the up-shot dentist, David Stegall, who was schooled in Los Angeles and was a regular dentist for high-status Hollywood stars. Stegall had a compulsion towards, Cadillacs, large homes and pretty women. Sandra noticed something she liked about Stegall, and by the year 1967 she had married him. Within the first few years after the marriage, the incorporate began to raise a family, and soon had 3 daughters, Britt, Kathryn and Emily. The family enjoyed a high-class lifestyle and lived in a most desirable Dallas neighbourhood.

Sandra's taste and passion for the finer things were even more profound than her husbands, and desite the gigantic salary and prestige of Stegall, Sandra's tastes were beginning to strain and taking the family to the brink. Sandra was a gastronome of many things, she loved beautiful artwork and costly furnishings. By the year 1974, the couple's marriage was in turmoil and the family was in severe debt, forcing Stegall to loan a titanic sum of money from his father to pay off a whole of the hefty bills.

By February 1975, the situation had over-come Stegall, and he tried to commit suicide. Reports indicate that Sandra discovered a distressed Stegall concluded in a closet with a gun pointed at his head. Sandra was then able to persuade Stegall to re-consider. any way this did not turn Stegall for the long-term, and a few weeks later he was discovered dead. Lying on in his bed with both wrists open and a.22 caliber gunshot wound through his head.

Sandra speedily took performance towards straightening her financial situation. This started with the range of her husband's life assurance policy, sold the lat Stegall's institution and began dating other wealthy men. After a mere 3 years of her husband's death, Sandra was married again, this time to customary Dallas based developer, Bobby Bridewell.

Soon after the wedding Bridewell took the decision to adopt Sandra's 3 daughters and the family made their' home in the fancy Dallas neighbourhood of Highland Park. any way in 1980, life changed and in dramatic and tragic twist Bridwell was diagnosed with cancer. Sandra found the diagnosis highly painful, as she prolonged her life in her usual way, with an elemental grieving. During her husbands battle with the illness, Sandra decided to have the family's whole household remodelled, forcing the weakening Bridewell to move into a friend's house. Bridewell after a 2 year struggle, ultimately succumbed to his diagnoses and died.

The impact of Bridewell's death was hard-felt by Sandra. At least for the short-term, she was able to gain preserve and hope, in the friendship of Bridewell's oncologist, Dr' John Bradwell and his wife Betsy. In the beginning the incorporate were more than happy and open to offer preserve to their friend. Sandra over-time, began visiting the Bagwell household with more frequent persistence. Whilst the doctor and his wife were enjoying a vacation in New Mexico, Sandra went as far as to show up unannounced. Her ever addition requests were frequented with pleads of childcare and harassment through phone calls.

The Bagwell's soon decided upon action, and attempted to extricate themselves from the association with Sandra. Sandra any way would not allow it. In June 1982, she made a phone call to Betsy, and requested she take her to the hospital, so she could rent a car as her's wouldn't start. Betsy supplicated and would take Sandra to the hospital, and then back to the Church were Sandra was previously parked so she could retrieve her license, which she claimed on arrival, had been forgotten.

The exact details of the encounter remain shrouded in mystery. What is understood, is that on June 16, 1982, authorities discovered the 40-year old Mrs. Bagwell, dead in her Mercedes i the airport parking lot. There was a large gunshot wound in her head, and a stolen.22 caliber pistol held in her right hand. When the verdict was given, it was concluded as a suicide.

Despite the verdict, there was still many questions unanswered. The police were aware that Sandra was the last man to have seen Betsy alive. Questions emerged about the death, these included the absence of a suicide note. The police any way refused to re-examine the case and it remained closed.

As was so accustomed to Sandra, she non-chalantly prolonged with her life. As of June 1984, an additional one man had fallen into her clutches. The victim, a good-looking 29 year-old, Alan Rehrig, had just moved to Dallas to begin work for a mortgage company. Sandra was conversing nearby her yard, when Rehrig, searching for a place he could call home, happened to pass by in his car. Pulling his Ford Bronco over to the side of the road, he asked Sandra if she knew of any apartments to move into. She admitted she did not, instead, according to help him out.

Within just a few short weeks the pair became inseparable. Rehrig was highly fond of Sandra's 3 daughters, who, at their' mother's calling would announce themselves upon an unsuspecting Rehrig, whilst he was busy working at his office. Sandra, by the fall of 1984, had some unexpected news for Rehrig and delivered the news that she was pregnant with twins. This situation was even more thoughprovoking for one leading reason, 7 years old Sandra underwent a thriving hysterectomy. This was yet more deceit from Sandra, feeling that as she gained some weight nearby her stomach, that she could lie effectively. There were of course more lies, lies along with her age, telling Rehrig she was 36, when she was in fact 41.

A trustable Rehrig, had no intuit to doubt his new girlfriend, as he still felt the were getting to know each other. Despite the intervention of friend's to demonstrate to Rehrig the speed at which his life was changing, he was also in love, and, December 1984, Sandra Bridewell and Alan Rehrig became husband and wife.

There was always the awareness to Sandra, that the reproduction lie could only take her so far. With, Rehrig committed entirely to his wife, Sandra was able to categorically turn the story. So, in February 1985, she made a phone call to her husband and told him the unfortunate news that she had a miscarriage.

The news was devastating to Rehrig and the marriage began to suffer as a result. Like her old two husbands, Rehrig was beginning to realise that his wife a pallet for costly tastes. She would push him to make more and more money, and made him take out a big life assurance policy. Friend's recall how Rehrig complained of Sandra's habits, as she spent ,000 a month on clothes, food and travel.

November 1985, and the incorporate separated. Rehrig was convinced he had to end the association with Sandra and moved into a friend's home. The two of them, were separated for a period of any weeks and they didn't so much as set eyes upon each other. Then in early December, Sandra phoned Rehrig and arranged a meeting at a warehouse factory at which the two had stored some items.

The true happenings of what ensued over the next any hours have never been determined. What is understood is, Rehrig was located slumped over in his Bronco in Oklahoma. The were vast gunshot wounds to both the head and the chest. It was also determined that Rehrig has in fact been driven all the way to Oklahoma. The death of Rehrig was heavily scrutinised, Sandra was suspected of his murder, any way nothing could be pinned on the woman who had become known nearby Dallas as the, "Black Widow". Her demeanor under interrogation could be described as coy, almost playful. There was then a total switch in behaviour from the "Black Widow", and she became fully uncooperative, refusing whatever to talk to both her and her daughters.

If there was any grief towards her husbands death, then it was being incommunicable well. Sandra, was scrimping on funeral expenses, choosing the most in-expensive casket potential for Rehrig and then convincing her friends to cover the burial costs. On the day of the service, she arrived late, dressed head to foot in a rich mink coat. This was an affordable expense, Rehrig's death had in case,granted her with a 0,000 life assurance claim, dropped right into her bank account.

Sandra's prestige any way was in tatters. A beloved local magazine, detailing Sandra's thoughprovoking past, and recounting her behaviour was to serve to this. Sandra was soon to leave Dallas for good, she re-located herself and her family to the San Francisco area. Sandra still contained the same charm and engaged it upon Marin County, she soon began dating a gaggle of wealthy men, who were sympathetic towards her past story, this story would often incorporate the use of a trust fund that she was about to be receiving and her non-restrained sexual inhibition. One of the men loaned her ,000., whilst an additional one was suckered into parting with ,000, which he pulled up through a pension. Neither of the men received a single penny of their loans back, even though they took their' claims to court. Soon, the same and similar stories that had surrounded Sandra in Dallas, began to appear in San Francisco.

By the early 1990′s, Sandra changed her name and was now known as Camille Bridewell. She had left California, and moved to Boston, where she took up house with a boyfriend. She was also a resident in Connecticut and Hawaii. Despite the turn of addresses, the same meanness still stewed in her underbelly. She would now steal the collective protection numbers of other people, she would take out prestige cards, and rack up huge purchases, without an intent to ever pay the money back. She was so malicious in her actions, that she even destroyed the prestige of her daughters.

As the millennium came around, Sandra was now middle aged, and shifted from sexuality to religion, as to draw her victims closer. The basis of her stories would now involve the invention of stories such as, she was a missionary who had traveled the world and work with orphans. As usual she was very persuasive and had a way to make people submit to her wants. She then befriended a incorporate who owned and managed a motel in the state of Alabama. Despite the fact that she was unable to even pay for a room, she was receiving food and money from the cople.

she prolonged with the missionary story, and as she moved herself to Atlanta, she would turn her name slightly, from Bridewell to Bridwell. She then convinced a woman she met at church to split with the cost of an costly condo rental. After a minute time passed, Bridwell's new housemate, found she was paying for everything, as Sandra claimed she was waiting for a large sum of money to be delivered form her trust fund.

As 2006 ensued, Sandra surfaced in North Carolina, at a new church and changed her name to Camille Bowers. Later that year, in September, she moved herself in with Sue Moseley, a 77 year old woman, residing in a million dollar home on the Carloina coast. Sandra struck up a deal with the son, Jim, that in return for the administration of the housekeeping, she would receive free room and board.

She began to build a respectable prestige nearby the local community, and spoke any times at a local women's club. Sandra then began the process of acquiring the finances of the Moseley's. She gathered tax records, collected her collective protection payments into a isolate account, siphoned off mortgage money, created prestige charges and used Mosele's bank account to fund her personal expenses, along with spa treatments and costly shoes.

Jim soon became suspicious of the new housekeeper, and early in 2007, he stumbled upon a length newspaper story in a Dallas publication, chronicling the exploits of her life. Jim, working alongside the police, as a front man in a sting, aided the arrest of the "Black Widow", on 2nd March 2007 in a cafe in Charlotte, North Carolina.

Aftermath

The story of Sandra Bridewell culminates with numerous charges under her name. She was committed of, identity fraud, fraud, mail theft and collective protection fraud. After the arrest and the heavy publicity, the police took a renewed interest in the death of Rehrig and the police of Oklahoma City, pour more resources and more manpower towards the case.

February 2008, and Sandra Camille Powers, pleads guilty to one count of identity theft, later the same month she was formally sentenced by the judge. The "Black Widow", had left a lasting impact and trail of destruction wherever she went, leaving a trail of victims desperate for her sentencing. When justice was ultimately insued, she was ordered to pay a 0,000 fine,a dn pay more than ,600 dollars in restitution to the Moseley family.

Sandra Bridewell

Comparison of the Best Texas Homeowners insurance companies

In order to find the best Texas homeowners guarnatee firm it is leading to do your investigate and correlate rates, policies, and discounts from a amount of separate home guarnatee clubs in Tx. Here is a Texas homeowners guarnatee firm communicate of some of the top home insurers in Texas:

Aig benefit guarnatee Company

Lease Homes San Antonio Tx

Aig benefit guarnatee firm prides itself on offering high capability guarnatee plans at a competitive rate. Aig offers customizable plans depending on each individual client's needs. With assorted options in the homeowners' guarnatee plans, clients are able to plump the coverage they need, while avoiding paying for things they don't need. Aig offers typical homeowners guarnatee coverage such as theft, fire, and water damage, but also offers added options such as rebuilding costs, added living expenses, landscaping coverage, lock replacement, etc. These added features are lively to many clients who wish to customize their guarnatee plan.

Aig benefit falls into the "Xi" type based on financial size, meaning it is a 0 Million to Billion firm with a financial outlook for years to come as "stable." Aig benefit received an "A+," or superior, rating from the regulating department A.M. Best. Overall, Aig benefit is an exquisite homeowners guarnatee provider based on its ratings, financial stability, and customization of plans.

Universal guarnatee firm of Texas

Universal guarnatee firm of Texas is a subsidiary of Universal guarnatee Holdings of North America, owned by Universal Group, Inc. Based out of San Antonio, Texas, this guarnatee firm provides homeowners guarnatee to consumers. Types of homeowner coverage contain burglary, theft, fire, and other damages to a home, depending on the selected guarnatee policy.

Universal guarnatee firm recently earned a rating of "A," or excellent, by A.M. Best, as well as the same rating from the regulating department Demotech, Inc. Universal guarnatee firm of Texas has maintained great customer service ratings, as they received no reported complaints as compared to the national median. Universal guarnatee firm of Texas is a very financially stable company, with a unique Reinsurance schedule in place to continue its financial stability in the future.

Texas Farmers guarnatee Company

Based out of Austin, Texas Farmers guarnatee firm is a large provider of homeowner's guarnatee policies to residents of Texas. The guarnatee policies of this provider consist of three main areas: dwellings and structures, personal property, and personal liability. Customers with Texas Farmers guarnatee plans receive coverage for their home and other detached properties, personal belongings within their home, as well as coverage for someone who gets injured on the asset and damages to the property. This comprehensive, all-inclusive aspect makes Texas Farmers guarnatee firm beloved among customers.

The firm itself is quite large, falling into the Billion or greater category, with a stable outlook for its financial future. Filed customer service complaints are virtually nonexistent for this company, as compared to the business average. Texas Farmers guarnatee firm was also rated excellent, an "A" grade, by the regulating department A.M. Best, which makes it a dependable company.

Travelers of Texas guarnatee Company

Travelers guarnatee Company's homeowners course is unique because it not only provides the all-inclusive aspect of typical policies, but it also allows clients to choose extra options to fit the course best with their own needs. For example, some coverage options offered by Travelers contain identity theft protection, indispensable items protections, flood coverage (not covered under many homeowners policies), and boat guarnatee for small personal watercrafts. These options can come at large costs with other guarnatee companies, but are offered as an added choice with a Travelers of Texas guarnatee firm policy.

It is leading to know, however, that according to Naic.org, Travelers did receive a small amount of customer service complaints for the year 2006, in general concerning delays in claim handling and unsatisfactory settlements. Overall, though, Travelers of Texas guarnatee firm did receive an "A+," superior, rating according to A.M. Best, and was given a stable financial outlook for hereafter years.

Sf guarnatee of Texas

Sf guarnatee may be one of the most common, customary guarnatee companies, insuring over 15 million homes today. Sf's viewpoint is that the broad protection of a Texas homeowners guarnatee course doesn't have to come at an high-priced price. Uncostly rates, as well as premier customer service makes Sf a coarse choice for an guarnatee provider. An lively aspect of Sf is that they also contribute coverage to man-made homes, which many guarnatee clubs ignore. Owners of man-made homes may find Sf to be one of the most accommodating guarnatee providers for this type of coverage.

Sf did receive customer service complaints for the past year, in general concerning claim handling delays. Sf guarnatee - Texas falls into the "Xiii" financial size category, a .25 Billion to .5 Billion company. Its financial outlook is stable, and it was recently rated "B++," or good, by A.M. Best. The broad range of options and coverage, though, may outweigh the slightly lower ratings of this company.

Compare Texas Homeowners guarnatee clubs Now!

No one guarnatee firm is best for every Texas resident so shop around and see which one will best meet your needs.

Comparison of the Best Texas Homeowners insurance companies

Warrior Woman - Ida B. Wells-Barnett

In the latter part of nineteenth century, public theories from Ida B. Wells-Barnett were forceful blows against the mainstream White male ideologies of her time. Ida Wells was born on July 16, 1862, in Holly Springs, Mississippi. It was the second year of the Civil War and she was born into a slave family. Her mother, Lizzie Warrenton, was a cook; and her father, James, was a carpenter. Ida's parents believed that schooling was very foremost and after the War, they enrolled their children in Rust College, the local school set up by the Freedmen's Aid society (Hine 1993). Founded in 1866, the society established schools and colleges for recently freed slaves in the South, and it was at Rust College that Ida learned to read and write.

Everything changed for Ida the summer she turned sixteen. Both of her parents and her child brother died during a yellow fever epidemic, and Ida was left to care for her remaining five siblings. She began teaching at a rural school for a month and, a year later, took a position in Memphis, Tennessee, in the city's segregated black schools. Upon arriving in Memphis were teaching salaries were higher than Mississippi, Wells-Barnett found out that even though there was a stronger query for literate individuals to teach, there was a stronger need for considerable ones. Agreeing to Salley (1993), because she needed qualifications in order to teach, she enrolled into Fisk University and gained her qualification in under a year. While returning to Memphis from a teaching practice in New York, she was met with racial provocation for the first time while traveling by railway. Ida was asked by the conductor to move to the segregated car, even though she had paid for a marker in the ladies coach car.

Rental Homes In Memphis Tn

She refused to leave, and bit the conductor's hand as he forcibly pushed her from the railway car. She sued the Chesapeake and Ohio Railroad, and was awarded 0 by a local court. Even though she won the case, the headlines read, "Darky Damsel Gets Damages," and the decision was appealed to the Tennessee consummate Court and was reversed (Bolden, 1996). She was ordered to pay court frees in the whole of 0. This incident infuriated Ida and spurred her to investigate and report other incidents of racism. Outraged by the inequality of Black and White schools in Memphis and the unfairness of Jim Crow segregation, Ida became a society activist and began writing articles calling attentiveness to the plight of African Americans. She wrote for a weekly Black newspaper called The Living Way. Wells-Barnett's teaching career ended upon her "dismissal in 1891 for protesting about the conditions in Black schools" (Salley, 1993, p.115). during her time as a school teacher, Wells-Barnett along with other Black teachers was said to have gathered and "shared writing and conference on Friday evening, and produced a newspaper face the week's events and gossip." (Lengermann and Niebrugge-Brantley, 1998, p.151). The newspaper was officially established and published and distributed under the name Memphis Free Speech and Headlights throughout the Back society a year after she was dismissed. It has been said that her motivation to become a public analyst was the results of her involvement with the Memphis Free Speech and Headlights both as editor and columnist under the pen name Lola and as part owner. Unfortunately, her printing press was destroyed and she was run out of town by a White mob (Sally, 1993). After getting dismissed from her teaching position, her attentiveness then shifted from schools to the issue that would dominate her work for most of her life; lynching. Lynching was the brutal and lawless killing of Black men and women, often falsely accused of crimes, and normally perpetrated by gigantic violent mobs of Whites.

It was during this Reconstruction Era, after the Civil War, that Black men made immediate civil gains such as voting, holding public office, and owning land. Yet, groups like the Ku Klux Klan (Kkk) advanced at the turn of the century as a response. They made it difficult for Southern Blacks to vote or live in peace, attempting to enunciate White supremacy straight through coercion and violence, together with lynching (Salzman, 2004) . Infuriated by the Memphis lynching in 1892, which complicated a close friend, Ida expressed her grief in an editorial: "The city of Memphis has demonstrated that neither character nor standing avails the Negro if he dares to protect himself against the White man or become his rival. There is nothing we can do about the lynching now, as we are outnumbered and without arms. There is therefore only one thing left we can do; save our money and leave town which will neither protect our lives and property, nor give us a fair trial in the courts, when accused by White persons" (Hine, 1993).

At the same time Wells saw what lynching admittedly was; an excuse to "keep the nigger down" and execute Blacks "who acquired wealth and property." (Duster, 1971) This sparked her investigation into the causes of lynchings. Since Whites could no longer hold Blacks as slaves they found in mob violence a different means of maintaining a principles of "economic, psychological, and sexual exploitation" (Duster, 1971).

In addition, the consequent of her investigation and editorial sparked the Black society to retaliate and encourage all who could to leave, and those who stayed to boycott the city compel Company. Ida saw the success of the boycott, and asserted, "the appeal to the White man's pocket has ever been more effectual than all appeals ever made to his conscience." (Duster, 1971.)

As mentioned earlier, because of Well-Barnett's racial identity, her public principles was well shaped by the events unfolding within her society as experienced by the first generation of African-Americans after Emancipation (Lengerman and Niebrugge-Brantley, 1998). Agreeing to Lengerman and Niebrugge-Brantley (1998): "This society took as one assumption that White dominance and its together with religious doctrine of White supremacy had to be confronted. American public Darwinists were giving religious doctrine of White intellectual legitimacy to Whites, which at this time meant Anglo-Saxon, imperialism abroad and supremacy at home, providing dogma such as that in James K. Hosmer's"Short History of Anglo-Saxon Freedom"(p. 159). Wells-Barnett's public principles is thought about to be a radical non-Marxian disagreement principles with a focus on a "pathological interaction in the middle of differences and power in U.S. Society. A health they variously label as repression, domination, suppression, despotism, subordination, subjugation, tyranny, and our American conflict." (Lengerman and Niebrugge-Brantley, 1998, p.161).

Her public principles was also thought about "Black Feminism Sociology," and Agreeing to Lengerman and Niebrugge-Brantley (1998), there was four presented themes within the theory: one, her object of public diagnosis and of a formula acceptable to the project; two, her model of the public world; three, her principles of domination and four, her alternative to domination. Although those four themes were present in her theory, one could assume that the major theme above the four was the implication of a moral form of resistance against oppression, which is not farfetched seeing that oppression was the major theme in her life.

She used an amazingly straight-forward writing style to prove a very bold conference against lynching, discrediting the excuse of rape and other excuses. Wells used specific examples and sociological theories to disprove the justifications of lynching made by Southerners. Within her pamphlets, Wells portrays the views of African-Americans in the 1890s. Southerners allowed allembracing lynchings while hiding behind the excuse of "defending the honor of its women."(Jones-Royster, 1997).

The payment of rape was used in many cases to lynch innocent African-American men. The victim's innocence was often proved after his death. Wells states that the raping of White women by Negro men is an outright lie. Wells supports her statements with any stories about mutual relationships in the middle of White women and Black men. White men are free to have relationships with colored women, but colored men will receive death for relationships with white women (Duster, 1971). As shown by Wells, the excuses used by Whites to torture and murder African-Americans were false. In no way can these kinds of crimes ever be truly justified because of the victim's crimes. Maybe the most clear reasons these crimes happened are hate and fear. Differences in the middle of groups of habitancy have all the time caused fear of the unknown, which translates into hate. Whites no longer depended on African-American slave labor for their livelihood. When African Americans were slaves they were thought about "property" and "obviously, it was more profitable to sell slaves than to kill them"(Jones-Royster, 1997). With all restraint of "property" and "profit" lifted, Whites during and after Reconstruction were able to freely give into their fear and hate by torturing and killing African-Americans.

Wells' investigations revealed that regardless of either one was poor and jobless or middle-class, educated, and successful, all Blacks were vulnerable to lynching. Black women, too, were victimized by mob violence and terror. Occasionally they were lynched for alleged crimes and insults, but more often these women were left behind as survivors of those lynched. Up to this time, African-Americans had approximately never been free from some form of persecution; the duration of Reconstruction was particularly difficult. With the occurrences of lynching steadily addition with no hope of relenting, their new found leisure ensured slight safety. Eventually, Wells was drawn to Chicago in 1893 to protest the racism of the exclusion of African Americans from the World's Fair. With the help of Frederick Douglass, she distributed 20,000 pamphlets entitled "The suspect Why the Colored American is Not in the Columbian Exposition." On June 27, 1895, she married Ferdinand Lee Barnett, lawyer and editor of the Chicago Conservator, and prolonged to write while raising four children with him (Duster, 1971).

Ida believed firmly in the power of the vote to consequent convert for African-American men and women. She saw enfranchisement as the key to reform and equality, and she integrated the Women's Suffrage movement by marching in the 1913 Suffrage Parade in Washington, D.C., with the all White Illinois delegation (Sterling, 1979). She prolonged to write in her later years, and remained one of the most widely syndicated Black columnists in America. She published articles on race issues and injustices that were printed in African-American newspapers nationwide. Toward the end of her life, Ida worked to address the public and political concerns of African-Americans in Chicago. She made an unsuccessful run as an independent candidate for the Illinois State Senate in 1930, and died the next year of the kidney disease uremia (Duster, 1971). Wells-Barnett's affect was profound. When the federal government built the first low-income housing scheme in Chicago's "Black belt" in 1940, it was named in her honor (Sterling, 1979). Her autobiography was published posthumously by her daughter, Alfreda Duster in 1971. In Chicago, she helped to found a whole of Black female and reform organizations, such as the Ida B. Wells Club, the Alpha Suffrage Club of Chicago, and the Chicago Negro Fellowship League. She also served as director of Chicago's Cook County League of Women's Clubs. These clubs were a means for Blacks to join together for withhold and to design to consequent convert (Duster, 1971). At the national level, Wells-Barnett was a central shape in the founding of the National relationship of Colored Women, a descriptive assosication that worked for sufficient child care, job training, and wage equity, as well as against lynching and communication segregation.

Ida B. Wells-Barnett's passion for justice made her a tireless crusader for the rights of African Americans and women. She was a public reformer, a suffragist, a civil rights activist, and a philanthropist. Her writings, regardless of the risk to her protection and life, raised public awareness and involvement to address a whole of public ills resulting in the oppression or murder of African Americans. Her aid of time straight through the creation of myriad clubs and organizations improved the lives of her people. Her work in Chicago, in her final years, focused on providing for the needs of the city's African American population. Modeled after Jane Addams' hamlet House efforts, Wells created urban houses for Black men, where they could live safely and have access to recreational amusements while they searched for employment (Hines, 1993). Ida B. Wells-Barnett is sometimes referred to as the "Mother of the Civil rights movement." She refused to be moved from the Whites only railway car eighty years before the famed Rosa Parks held her seat on an Alabama bus. She encouraged the Black society to take steps to gain political rights, using the same means that would successfully be used much later during the Civil rights movement such as economic and communication boycotts (Hines, 1993).

In similar fashion to Margaret Sanger (of the Birth control movement) and Susan B. Anthony (of the Women's Suffrage movement), Wells-Barnett was a woman who dedicated her entire life to upholding her firm beliefs about public reform. She began by writing about the disparity in schooling and school conditions for Black children and spent much of her life working to abolish lynching straight through public awareness (Hines, 1993). Ida, straight through her example, writings, speaking, and aid in discrete organizations, elevated the voice of women's equality and suffrage. She was a pioneering Black female journalist, and led a very public life in a time when most women, Black or White, did not actively participate in the male political realm. Ida B. Wells-Barnett was linked to many foremost leaders and reformers, male and female, during her lifetime. Among them: Jane Addams (1860-1935) was a public reformer, public employee and the founder of Chicago's Hull House, the most famed of the hamlet houses. Addams and Wells-Barnett successfully worked together to block the segregation of Chicago's public schools (Sterling, 1979). She was also linked to W.E.B. DuBois (1868-1963) who was a famed Black scholar, sociologist, researcher, writer, and civil rights activist who voiced opposition to the accomodationist views of his contemporary, Booker T. Washington (1856-1915). Washington urged African Americans to focus on self-improvement straight through schooling and economic occasion instead of pressing Whites for political rights.

Ida B. Wells outwardly disagreed with Booker T. Washington's position on industrial schooling and was mortified with his implication that "Blacks were illiterate and immoral, until the coming of Tuskegee." (Hine, 1993) Outraged by his remarks, she thought about his rejection of a college schooling as a "bitter pill." (Hine, 1993). She wrote an report entitled "Booker T. Washington and His Critics" regarding industrial education. "This gospel of work is no new one for the Negro. It is the South's old slavery practice in a new dress." (Hine, 1993).

She felt that focusing only on industrial schooling would limit the opportunities of aspiring young Blacks and she saw Washington as no best than the Whites that justified their actions straight through lynching. Wells-Barnett joined DuBois in his belief that African Americans should militantly query civil rights, and the two worked together on any occasions, most substantially as co-founders of the Naacp. The National relationship for the Advancement of Colored habitancy (Naacp), of which Ida B. Wells-Barnett was a founding member, is still a thriving assosication with thousands of members nationwide (Hines, 1993). The relationship continues to advocate and litigate for civil rights for African Americans.

Two of the customary issues on which Wells-Barnett worked on, anti-lynching and women's suffrage, are now defunct issues. Lynching is a federal crime and women received the vote in 1920 with the passage of the Nineteenth Amendment to the Constitution. For this reason, linked groups that arose at the time, such as the Anti-lynching League, the Freedmen's Aid Society, and the National relationship of Colored Women are no longer in existence. Yet, the League of Women Voters was created as an outgrowth of the suffragist movement, and is an assosication that still educates men and women about their responsibilities as voters. Wells-Barnett's gift to the field of sociology is so needful that her work "predates or is contemporaneous with the now canonized contributions of White male thinkers like Emile Durkheim, Max Weber, George Simmel, and George Herbert Mead, as well as the contributions of White female sociologists like Adams, Gilman, Marianne Weber, Webb, and the Chicago Women" (Lengerman and Niebrugge-Brantley, 1998, p.171). Ms. Wells-Barnett is an piquant example of the power of the written word and the estimation to consequent despite the odds. She was an African American woman, the daughter of slaves and thought about the lowest of the low on the historical totem pole in American society and her tenacity, ambition, courage and desire for justice changed history. She was direct and possessed vigor during a time when this was unheard of by a woman, especially a Black woman. A reformer of her time, she believed African-Americans had to design themselves and fight for their independence against White oppression. She roused the White South to bitter defense and began the awakening of the conscience of a nation.

Through her campaign, writings, and agitation she raised crucial questions about the hereafter of Back Americans. Today African-Americans do not rally against oppression like those that came before. Gone are the days when Blacks organized together; today Blacks live in a society that does not want to get complicated as a whole. What this generation fails to perceive is that although the days of Jim Crow have disappeared, it is foremost to perceive that the fight for equality is never over. In the preface of On Lynching: Southern Horrors, A Red report and A Mob Rule in New Orleans (a compilation of her major works), she writes, "The Afro-American is not a bestial race. If this work can lead in any way toward proving this, and at the same time arouse the conscience of the American habitancy to a query for justice to every citizen, and punishment by law for the lawless, I shall feel I have done my race a service. Other considerations are of minor importance" (Wells, 1969).

Warrior Woman - Ida B. Wells-Barnett

Fun Facts About Soccer

Did You Know That...

The word favourite doesn't mean much in soccer (football) today. Paraguay won the silver medal in soccer in the 2004 Olympic Games in Greece.

Century 21 San Antonio Tx

Did You Know That...

In 1962 the Fifa World Championship was held in Chile for the first time. Brazil captured an unprecedented 2nd Fifa World Cup by defeating Czechoslovaquia (currently Czech Republic) on June 17, 1962, in Santiago de Chile.

Did You Know That...

The 2010 Fifa World Championship was scheduled to be held in South Africa.

Did You Know That...

Japan won the bronze medal in soccer at the 1968 Olympic Games in Mexico City.

Did You Know That...

Everald "Gally" Commings is the best known and experienced Trinidadian player nearby the world. He played in the North American Soccer League in the 1970s.

Did You Know That...

For the first time, Kuwait great for the Fifa World Cup in 1982.

Did You Know That...

In 1950 Brazil hosted the World Cup. Surprisingly, the host lost the final 2-1 to Uruguay.

Did You Know That...

Jose Luis Chilavert was the best known and most experienced Paraguayan player in the 20th century.He was born on July 27, 1965, in Luque, Paraguay. Like Oscar Schmidt (Brazilian basketball player) and Raul Ramirez (Mexican tennis player), Jose Luis"Chila" Chilavert was one of the best sportsman in Latin America.He played for clubs in Argentina (San Lorenzo) and Spain (Zaragoza).

Did You Know That...

Uruguay won the first Fifa World Cup in 1930. They beat Argentina 4-2 in the final in Montevideo, the capital city of Uruguay.

Did You Know That...

West Germany (currently Germany) was the first team from Europe to win the Fifa World Cup (1954).

Did You Know That...

Cameroon, an ex-French colony in Africa, won the gold medal soccer in the 2000 Olympic Games in Australia. Cameroon defeated Spain 5-3.

Did You Know That...

Different from Peru, Malaysia, Thailand, and Taiwan, Cote d'Ivoire, formerly Ivory Coast, is one of the world`s poorest countries.However, Cote d'Ivoire is one of the best teams in the Third World.It great for the Fifa World Cup in 2006.

Did You Know That...

Edson Arantes do Nascimento, who is best known as "Pele", played in four Fifa World Cup competitions (Sweden-1958, Chile-1962, England-1966, and Mexico-1970), and scored over 1,200 goals in his vocation before finally retiring in 1977.

Did You Know That...

In August 1983 Uruguay's national soccer team won its first-ever gold medal at the Pan American Games in Venezuela.

Did You Know That...

Nigeria defeated Argentina 3-2 and won the gold medal in soccer at the 1996 Summer Olympics in Atlanta, Georgia (Usa).

Did You Know That...

Angola great for the 2006 Fifa World Cup. It is one of the ten poorest countries in the world. The instruction system is one of the worst in the Third World.

Did You Know That...

In 1994 Bolivia beat Brazil 3-1 in the Fifa World Cup qualifiers.

Did You Know That...

South Korea has competed in the World Cup seven times:1954, 1986,1990, 1994, 1998, 2002 and 2006.

Did You Know That...

El Salvador won the gold medal in soccer at the 1954 Central American and Caribbean Games in Mexico City.

Did You Know That...

Hungary has won a gold medal in mes´s soccer three times at the Olympic Games:1952, 1964 and 1968.

Did You Know That...

There are Brazil-born player in the squads of Mexico (Antonio Naelson), Japan (Alessandro "Alex" Santos), Spain (Mario Senna), and Tunisia (Francileudo dos Santos)

Ricardo Lavolpe, previous coach of Mexico,once said, "I would say nearby 80 per cent of the strikers who play in the Mexican League are foreigners, and If one of them is a naturalized Mexican, I don't understand why I can't pick him If the Constitution says he's Mexican, that's good enough for me".

Fun Facts About Soccer

How to get Title For Abandoned Real Estate through Adverse rights in the State of California

What is Adverse Possession? How can I obtain title to real estate?

In a nutshell adverse proprietary is a process where a man or an investor can obtain the proprietary or title of real asset from other man because the owner has abandoned the property. This is done by plainly taking proprietary of that asset in the manner prescribed by state law.

Lease Homes San Antonio Tx

In doing so, you can, undoubtedly obtain proprietary or title of the real asset for just paying the back delinquent real estate taxes and the cost to file a quiet title lawsuit establishing that you obtained title to the asset straight through adverse possession. In other words, you can take title of considerable asset for a staggering discount.

The Law of Adverse Possession

The laws governing adverse proprietary is local state (or, in Canada, territorial law); consequently an Abandoned asset investor must look into the exact laws of a exact state or Canadian territory where the real asset is located. Since the laws are separate dramatically from jurisdiction to jurisdiction and can often be confusing, anyone wishing to take title to real asset straight through adverse proprietary should contact a knowledgeable attorney before attempting to do so.

In order for you to begin comprehension the requirements of Adverse proprietary let's look at a exact example. Below is a closer look at th California Adverse proprietary law. We will use this law to identify and interpret some of the more common terms used in Adverse Possession.

California Adverse proprietary Law

Briefly, California state law states that Real Estate investors wanting to obtain title to other person's real asset straight through adverse proprietary Must satisfy all the following Requirements:

1.That the Abandoned asset investor's proprietary was held under either (1) a claim of right or (2) under color of title:

2.That the Abandoned asset investor's proprietary was actual, open and notorious;

3.That the Abandoned asset investor's proprietary was hostile, adverse an exclusive;

4.That the Abandoned asset investor's proprietary was continuous and uninterrupted for a period of five years;

5.That the Abandoned asset investor paid th real asset taxes while that five-year period.

Possession must be held under either (1) a claim of right or (2) under color of title.

The California statutes governing adverse proprietary and as well as the statutes of most other states make a distinction in the middle of claiming adverse proprietary based upon a "claim of title founded upon a written instrument or judgment or decree" (often referred to as a claim under color title) and claiming adverse proprietary based upon "a claim of title exclusive of any other right, but not founded upon a written instrument, judgement, or decree" (often referred to as a claim as either a claim of right, see California Code of civil procedures Section 322 and 323. As to such claim under claim o right, see Code of Civil Procedures Section 324 and 325.

Basically a claim of adverse proprietary based upon color color of title is one where the claimant(Abandoned asset Investor) took in good faith proprietary under a deed (or some other written instrument) or judicial determine that appeared to replacement good title, but was defective. For example, a tax sale investor might take adverse proprietary straight through color of title for real estate bought at a California county tax-defaulted sale where the sale was conducted improperly and, consequently, the deed was void.

"Claim of Right" or "Claim of Title"

Abandoned asset investors attempting to take title to real estate straight through the religious doctrine of adverse proprietary are generally more concerned in taking such title straight through "claim of right" or "claim of title". Under this doctrine, an investor merely needs to take actual proprietary of the asset and hold that proprietary as required by thorough jurisdictional law.

As might be expected, the requirements to develop adverse proprietary under a claim of right are (under California law and under the law of most all other states) are more strenuous than those connected with claiming under color of title.

In order to be exact as the exact requirements for a claim of right refer to the exact state statutes. Again, to be safe consult with a knowledgeable attorney in the county where the asset is located.

Possession must be actual

As will be seen below, an abandoned asset investor claiming proprietary under the religious doctrine of adverse proprietary does not have to personally occupy or live on the real estate to be in actual proprietary of the property. However, undoubtedly living on the real estate is probably the strongest and clearest evidence that proprietary is actual.

Possession by tenant as actual possession

Real asset can be occupied, lived on, and undoubtedly possessed by a tenant under a tenancy agreement. Take, for instance, if you look at the California appellate case of Traeger v. Friedman (1947) 79 Ca 2d 151. In that case, the adverse proprietary claimant took proprietary of a apartment construction straight through tenants and, then, managed and rented for five years. She evn paid the real asset taxes out of the rent. The California court held that she had met the actual proprietary requirement needed to excellent title under adverce possession.

Possession is deemed actual if lands is "protected by a vast enclosure", "usually cultivated or improved"

If the adverse proprietary is claimed based on a claim of right, then California Code of Civil course Sections 324 and 325 apply.

A abandoned asset investor's proprietary is deemed to be in actual, open and notorious proprietary of exact real asset under a claim of right when that man has either

1."protected" that asset "by a vast inclosure" Or
2.That man has "usually cultivated" Or
3.Has "improved" tht property.
If the real asset being taken straight through adverse proprietary is a lot and acreage and cannot be undoubtedly possessed (i.e., lived on) then that asset must be either "protected...by a vast inclosure", "usually cultivated", or "usually improved".

If the asset is protected by a vast inclosure, then the inclosure must be "substantial" adequate to give the true owner observation of the investor's Claim of adverse proprietary while the entire prescriptive period. Older Cases hold that the inclosure must be vast adequate and remain so throughout the prescriptive period of five years and safe all sides of the asset claimed from intrusion by cattle or other animals. If the inclosure is so damaged as not to be able to safe all sides of the asset from such intrusion, then the Abandoned asset investor or claimant must right away repair that damage inclosure or risk being found by the court to have not met this requirement.

Meeting Any one of the three alternative, meets the actual proprietary requirements for adverse proprietary even though the Abandoned asset investor or claimant does not live on the property.

Additionally, California cases have held that although "grazing" or "pasturage" is not mentioned in the Code of Civil course Section 325 reproduced above, it is a formula whereby an investor can take actual possession.

Possession Must Be Open And Notorious

Basically, an owner of real estate will not lose that real estate straight through the religious doctrine of adverse proprietary unless the manner in which the investor holds actual proprietary would contribute inexpensive observation of that proprietary if the owner inspected the property. Repairs and improvements made to houses such as painting the ouside of the house, retention up the surface ground, etc. Are examples of such actions.

However, an owner can lose title to real estate straight through adverse proprietary even straight through he or she is never undoubtedly aware of the proprietary because the owner never visited the real estate to survey the improvements made by the abandoned asset investor.

Possession Was Hostile, Adverse And Exclusive.

Basically, if the abandoned asset investor or claimant is in proprietary under color of title, then that proprietary is deemed to be adverse and hostile to the true owner and it is not considerable to offer any additional proof.

However if the Abandoned asset investor or claimant is in proprietary under claim of title, then the claimant must prove that the proprietary was hostile and adverse. The word "hostile" does not mean that the proprietary was "overtly antagonistic" to the owner; it means plainly that such proprietary is "inconsistent" with that of the true owner.)

It must be shown that the proprietary was in violation of the true owner's asset proprietary and that it should give rise in the owner a guess to begin an action to cease the Abandoned asset investor or claimant's proprietary or use.

Possession of the asset with the owner's permission is not hostile or adverse. See California Civil Code Section 813 which provides a better legal explanation of this process.

Basically what the California Civil Code Section 813 means that the owner of the asset can give permission for the use of that asset by the normal collective or exact individuals. The statute additional states that: "In the event of use by other than the normal public, any such notices, to be effective, shall also be served by registered mail on the user.

The claimant's use must also be exclusive, use of that asset by the legal owner or any other man except the claimant or abandoned asset investor or a tenant of the claimant or abandoned asset investor retention proprietary on behalf of that man will probably defeat a claim of title straight through adverse possession.

Possession Was Continuous And Uninterrupted For Five Years.

This requirement can be found in Civil Code Section 1007 when read together with Code of Civil course Sections 318, 319, 321, 322, and 325. Most specifically, Code of Civil course Sections 325 provides:

"provided, however, that in no case shall adverse proprietary be carefully established under the provisions of any section or sections of this code, unless it shall be shown that the land has been busy and claimed for the period of five years continuosly, and the party or persons, their predecessors and grantor's, have paid all the taxes, state, county, or municipal, which have been levied and assessed upon such land."

The requirement does not mean, however, that the investor must be physically on the land every day for five years. For instance, if actual proprietary of a home or other rental real estate is held by tenants on behalf of the adverse owner or abandoned asset investor, then commonplace vacancies will not disrupt the continuity of the possession.

So, if an investor were to take proprietary of rental property, for example, and there were normal vacancies that occur, these vacancies would not be carefully a violation if the five year occupancy requirement. It also means that the investor does not have to live on the asset to make this claim. That means you can claim adverse proprietary at multiple properties as long as the asset is safe and liveable for tenants. That means a distinct cash flow while waiting in the prescribed period and also without your physical stay at your property.

Claimant Paid The Real asset Taxes while That Five Year Period.

See Code of Civil course Section 325 which governs this requirement

The Abandoned asset investor or claimant must prove that he or she has paid all taxes that have been levied and assessed against the real asset claimed while the entire five year period. A failure to pay taxes assessed for any one year will defeat a claim for adverse possession. Then the claimant must also pay any delinquent taxes superior for years prior to the start of the claim for adverse possession. For more details please refer to the case of Los Angeles v. Coffey (1963) 243 Ca 2d 121,125.

Under the law of the state of California, if a Abandoned asset investor meets all the requirements of the law of adverse proprietary under claim of title, then that man becomes the true legal owner of the real estate that has been abandoned. If the legal title of the real asset was held by the old owner with no superior liens that superceeds the tax lien, then the investor will have acquired the real estate for, basically, just five or more years worth of back delinquent real asset taxes or for just a small investment.

So, What Should A Abandoned Real asset Investor Look For?

The two most prominent ideas of the law of adverse proprietary is that a Abandoned real asset investor wants to see are the following:

1.The ability to take adverse proprietary under Claim of right or claim of title as opposed to color of title and
2.A relatively short prescriptive period. The period of time the Abandoned asset investor must adversely possess the real asset before that investor can obtain title to the real property.
You are probably request yourself, Why?

Because in the state of California, the period or prescriptive period is five years based upon the California Code of Civil Procedure. Any way in some states the period can last from 10, 15 or 20 years until you get title straight through adverse possession.

How to get Title For Abandoned Real Estate through Adverse rights in the State of California

overview on Running a Cattle Ranch

Big company is related with all types of businesses. There are corporations that dominate grocery stores, retail, restaurants, etc. Small company owners look to compete on a smaller scale. Going for a niche that will hopefully build into something big. Cattle ranching is in this category.

A cattle ranch has to compete against other ranches and some corporations. But most corporations that design meat products, buy their meat from auctions or straight from the rancher.

Lease Homes San Antonio Tx

I've dealt with corporations who have ranches spread out in distinct states and yet they still need good products. Private ranchers have a good market if their cattle are raised healthy, without steroids or increase products injected into the cattle.

Because with scares of disease from meat that is brought from overseas, meat is at a excellent from American ranchers.

There is an venture that will be needed initially. To start a cattle ranch, money is needed to buy the considerable items.

Land is the first item needed. Where to begin, how much, what atmosphere, climate, all these will be taken into account.

Cattle ranches are ran smoothly with permissible equipment. A tractor helps with enchanting dirt and construction areas for the cattle to live on. Tractors, also can do distinct things with the right tools added to it.

Horses help take care of the cattle as well. They will aid in bringing the cattle in, or looking ones that have wondered off.

Then there's buying the cattle. This is what will make back the investment. Taken care of properly and done right, cattle ranching can become very profitable.

overview on Running a Cattle Ranch

Rental Grants to Help You Pay Rent

When population face financial hardship, all things becomes a problem. Rental grants help population who are having problem paying their rent in order to keep them from being evicted. There are also rental grants that will pay to help you with inviting expenses to move into a new housing unit. Best of all, grants for rent are not loans. These funds are in case,granted to those who need financial aid and they never have to be repaid.

These programs are often in case,granted by the department of housing and other local government agencies. Rental grants may also be in case,granted by private foundations that help individuals and families who are facing financial difficulty. Depending on the definite grant program that you apply for, there are different qualification and eligibility requirements.

Rental Homes In Memphis Tn

To find out if you can qualify to receive government rental grants, crusade for the grants that you want to apply for and are likely to qualify for. When you see the list of ready grants, report the application process and eligibility requirements carefully. If there are more than one program that you feel you qualify for, submit your application to as many as you feel fit.

As you crusade the grant database for your rental grants, you may find many further grants that you could use for your personal use. For instance, you can find grants to help you pay off your debt, grants to pay your tuition, and grants to help you start a small business. With hundreds of government and private foundation grants, there are fullness of ways to get free money that you never have to pay back.

Rental Grants to Help You Pay Rent