As you may have heard, each of us will be getting a tax rebate check to stimulate the economy.

If we spend that money at Wal-Mart, all the money will go to China.
 
If we spend it on gasoline it will go to the Arabs. 

If we purchase a computer it will go to India. 

If we purchase fruits and vegetables it will go to Honduras, and Guatemala.

If we purchase a good car it will go to Japan. 

If we purchase useless stuff it will go to Taiwan and none of it will help the American economy.

We need to keep that money here in America. The only way to keep that money here at home is to spend it at yard sales , since those are the only businesses left owned by Americans !!

 

 

 PASS IT ON !!!!

 

This is a how to article sent in by another avid Bestbraindrain.com reader:

Nothing makes for a better climax than kinky, new sexual positions. These three were not developed by me but there is a cool new twist to each of them. When you apply these moves just as they are laid out (no pun intended), she will scream with delight. Let's take a look.

The Updated Missionary Position: Yeah, I know. Who wants to hear about the default sexual position. Well, listen up and you will reap the benefits later. Of course, we all know that this means the guy goes on top of her in pancake fashion. The added part is this: Lift her right leg straight up or bend it at the knee while pressing down deep. This simple addition will bring her much more pleasure and as it usually happens, the more she is turned on - the greater your experience will be. If you want to crank it up a notch, try elevating both legs. Remember, the further back the leg(s) go, the deeper the penetration.

The Doggy From Higher Position: Sure, going in from behind is also a common sexual position but most stop with the basic version. Again, crank it up with increased orgasmic delight for the both of you. Usually, the doggy style lends itself to the penis running straight in but that is not the greatest area of pleasure for her. If you want to really drive her wild, make sure your penis rubs against her vaginal roof. This is easily and best accomplished by elevating her up on her knees and bring it from behind with thrusts upward. Experiment with this and once you find the right placement, the experience will get better an better for both.

The Sideways Double Dip: If she is wanting you to just give it to her then here it is. This is straight up hot! Pull her close to your side. While you are both naked laying side to side, kiss on her neck and rub her nipples until she is ready for it. Then give it to her from the side, stroking strongly while stimulating her clitoris with your index finger. I guarantee a wild time for her and promise you that this will be a sexual position that you will visit again and again.

 

Only buy or fill up your car or truck in the early morning when the
ground
temperature is still cold.
Remember that all service stations have their storage tanks buried below
ground. The colder the ground the
more dense the gasoline, when it gets warmer gasoline expands, so buying
in the afternoon or in the
evening....your gallon is not exactly a gallon. In the petroleum
business,
the specific gravity and the
temperature of the gasoline, diesel and jet fuel, ethanol and other
petroleum products plays an
important role.  A 1-degree rise in temperature is a big deal for this
business. But the service stations do
not have temperature compensation at the pumps.

When you're filling up do not squeeze the trigger of the nozzle to a
fast
mode. If you look you will see
that the trigger has three (3)stages: low, middle, and high. In slow
mode
you should be pumping on low speed,
thereby minimizing the vapors that are created while you are pumping.
All
hoses at the pump have a vapor
return. If you are  pumping on the fast rate, some other liquid that
goes
to your tank becomes vapor.
Those vapors are being sucked up and back into the underground storage
tank so you're getting less worth
for your money.

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One of the most important tips is to fill up when your gas tank is HALF
FULL or HALF EMPTY. The reason for
this is, the more gas you have in your tank the less air occupying its
empty space. Gasoline evaporates
faster than you can imagine. Gasoline storage tanks have an internal
floating roof. This roof serves as
zero clearance between the gas and the atmosphere, so it minimizes the
evaporation. Unlike service stations,
here where I work, every truck that we load is temperature compensated
so
that every gallon is
actually the exact amount.

Another reminder, if there is a gasoline truck pumping into the storage
tanks when you stop to buy gas, DO
NOT fill up--most likely the gasoline is being stirred up as the gas is
being delivered, and you might pick
up some of the dirt that normally settles on the bottom.  Hope this will
help you get the most value
for your money.

DO SHARE THESE TIPS WITH OTHERS!

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DIY short sale real estate guide

According to numerous sources the current state of the housing market is only going to get worse as many more mortgages are going to reset to higher rates throughout the next year.  As this growth in foreclosures continues the market for the short sale is blossoming.  Banks are more likely than ever to want to avoid going through the foreclosure process.

First, do not buy into an expensive self proclaimed guru’s cd or dvd collection or expensive boot camps and similar.  The information you will pay thousands for is all available for free and many of the expensive programs offered by these gurus are actually scams where the only one who ever makes any money is the guru themselves.  For more on this be sure to read our expose on some possible real estate investment scams like Foreclosuresdaily.com. 

To start, short sales are where you catch the homeowner before it is to late in the foreclosure process and offer them a way out that is actually beneficial to them.  Without your help, they would be foreclosed upon, have their credit ruined and be evicted.  You contact the bank loss mitigation department and attempt a short sale where they settle for less than the balance owed on the mortgage. 

Now, how do you find these people in pre-foreclosure?  You can look this up and research it yourself at your local county courthouse.  There you will actually get the best contacts first.  You can also get it from your local, county and government newspaper (like the Mecklenburg Gazette in Charlotte, NC).  Regardless what all the foreclosure list services say, they get it from the same newspapers – they may claim they have people that go to the county courthouse in every city, but they don’t – they just get the local governmental paper in most cases. 

Now with this information you have contact information, names and addresses for the homeowner in pre-foreclosure.  You will also have the amount owed that is bringing on this pending foreclosure process.  Next step is to call these people, mail them and do what ever else you can to get them in contact with you.  Remember, there are thousands of pre-foreclosure real estate investors both experienced and novice alike doing the same thing so you need to try and be first and make yourself standout and be easily remembered. 

So use bright, non standard stationary and be polite and professional.  The ratio is around 50 – 70% that the homeowner has already vacated the property.  So it becomes an odds game, the more you contact the better you will do.  Next, if you do happen to get to talk to one of these homeowners state that you are going to try and help them.  Do not guarantee anything.  Even though you know the foreclosure amount and it may look like a easy deal as the properties value is much higher, you do not know how many other loans or liens are attached to the property and this is extremely important.

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After contacting the homeowner you make an appointment to go and see the property and will interview them.  You want to know all outstanding loans and possible liens attached to the property and all necessary contact information for these banks, lenders, etc…  If after this you think there is enough equity or chance of a good short (short sale) by the lender, then you will get the home owner to sign a few forms, one of which gives you the authority to get their personal mortgage information and consult with the banker (written authorization to release loan information). 

You will also have them sign over their property rights to you subject to the outstanding liens and mortagage.  It is important to understand that every state is different in their paperwork requirements and you must become aware of this and follow your states requirements (there can be very severe penalties if you don’t).  There are worksheets and ebooks you can purchase cheaply that will have most of these forms and documents pre made for you.  You just copy them and then fill in the blanks (a great complete resource that covers everything you could ever want to know about short sales and pre-foreclosures is The Pre-Foreclosure Property Investor’s Kit By Thomas Lucier – it has more information than any real estate guru for only $20)!

You will also conduct a full property inspection inside and out.  This is both to determine the properties actual worth, but also to give you information that you can use to your benefit when dealing with the loss mitigation department.  No bank is in the business of fixing up nightmare properties.  The more you can make it sound like there is a substantial amount of work that needs to be done the more likely you’ll be able to get the loan shorted.  Don’t go overboard here as some banks will check require a report or estimate of all repairs needed and may even have someone look into it to make sure you aren’t lying (if you get caught lying by the banks once you will be through with that bank).

Next, you will deal with the bank or mortgage company’s loss mitigation department.  They can be quite difficult and heartless.  But with the current economy, mortgage and credit crisis you will actually find them to be quite receptive.  You will also be contacting any subsequent or secondary lien holders to get them to take a cut of 50% or more in the amount owed – the point here is simple if they don’t accept to your terms then they will lose everything when the property is foreclosed upon. 

You may also find yourself contacting contractors to remove mechanics liens for unpaid work and the IRS for tax liens.  Regardless what the homeowner told you, verify everything!  Sometimes you may get a bank that will not budge.  If that’s the case, try and negotiate, if that won’t work then move on to the next deal.  If they do come down to terms that are acceptable and leave you a decent profit – you need to get paid to do all this – you are not a charity and cannot afford to do deals for little or no pay – then get all the paper work filed, give it over to your attorney and then figure out what you are going to do with the property – wholesale for quick cash, fix it up, etc…

There is more to it than this and this is why I advise you read the above mentioned book.  Another great resource for an easier way to get into foreclosures and real estate foreclosure investing is HUD foreclosures.  And here is an excellent article entitled how to make it big in the real estate foreclosure industry on REO's (bank owned real estate) and other types of real estate investing which has fewer pitfalls and risks.  You can get it at your local Barnes and Noble or other bookstore and I highly recommend it to anyone considering pre-foreclosure and short sale real estate investing.  And stay away from the self proclaimed guru’s – there are only a handful  that are worth listening to (an interesting website for filtering through the guru’s if you still want to liten to them is Johntreed.com).  Also be wary of local real estate investment groups - they tend to be supported by scammy real estate guru's and shady predatory investors.  Good luck and I hope this was helpful to you.

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