bestarticlelibrary.com

New York is one tough town. And it prides itself on its cut-throat lifestyle, even as the number of charities blossom as nowhere else. The serial success story that is Zalman Silber is an example of the businessman-turned-philanthropist. But isn’t it ironic that a place which worships material success gained by one’s teeth and nails, as it were, should find itself so concerned about appearing charitable, too? As if the rich are secretly embarrassed by their fortunes – as if Balzac was right, that “behind every great fortune lies a great crime,” or as if Jesus was correct, that “it is easier for a camel to pass through the eye of a needle….”

As if, to be frank about it, the rich give in order to assuage their guilt.

What is it about this world that should so often find the elevated so close to the base? One can observe dichotomies existing side-by-side, many times in peace and, even, complete ignorance of one another, even in New York, even in the 21st Century.

And one wonders if such philanthropy, targeted towards one’s own community, set up to benefit one’s own interests, are perfectly true acts of charity or just another way in which the ego manages to further inflate itself.

Such concerns, of course, likely do not concern those like Zalman Silber, who give freely as they please and couldn’t care less about such quibbles. Indeed, it is safe to say that for those who do have the funds to give, giving is a pleasure in itself – akin to any other form of spending money.

Now that’s not as cynical as it may sound at first. For spending money is a form of experiencing one’s own power, one’s own ability to produce satisfaction and pleasure. It may well lead to egotism, and it often does, to be sure – but at its root is a simple human joy at being able to affect one’s surroundings, one’s world. It is the same joy that accompanies a child who can crawl, then walk, then run, then ride a bicycle, then drive a car, then pilot a boat or helicopter or airplane. The proper spending of money can be life-enhancing in a very deep way, far more so than the mere accumulation of creature comforts. The proper spending of money – as in charitable donations – allows one to give of oneself, in a sense, a very important sense. For money is power, and in cases of honest work to give money is to have given of one’s time and one’s very life – the time spent earning the money, the life devoted to productive work.

And such is, as the humanist Erich Fromm had noted in his many works on human psychology and human society, the most demeaning aspect of poverty, that one cannot give of oneself. For it is not he who has much, but he who gives much, that is rich – and yet, to give requires one to first have! And it is the tragedy of the poor that they can barely provide for themselves, never mind share with others – though, ironically, survey after survey has concluded that the less money one has, the greater a percentage of one’s income tends to be given away in charity. It is as if the poor know something which escapes the rich. It is as if the New York of lights and smiles is unaware of something so basic that it can only be known to those whose lives involve the basics and no luxuries.

Though the existing economic disaster has also disrupted Connecticut realty, industry experts like Isaac Toussie believe that there’s no danger of oversupply in Connecticut mostly due to the state’s inventory levels being rather constant, possibly because of Connecticut’s housing escaping the kind of speculation other places have seen. Such a happy case is probably also on account of the fact that Connecticut is home to some with the most expensive land anywhere in the country after California, with above three percent of them priced around a million dollars as of the year 2000. Southwestern Connecticut lies within the greater New York City metropolitan region, but areas further away, such as those communities in the northeast, are best described as luxury retreats for the monied classes, given median home values in the multiple of millions.

There can be a lot of “upside” to Connecticut realty. Condominium inventory in Connecticut are actually at steady ranges despite the financial downturn of late, which is really an extremely positive sign that bodes well for the overall real estate market there. Connecticut land ought to be fine pretty soon. Investing in commercial properties there is usually a good bet even in this economy. Slow but steady growth has marked the history of Connecticut property for a while. In truth, in spite of the current financial meltdown these days, the State of Connecticut has not witnessed a lot of overly dramatic shifts.

The Danbury Fair, the state’s largest shopping mall, is a case in point. Founded in 1947, it has three levels, forty-seven shops, and nearly four hundred thousand square feet of retail space. Industry experts like Isaac Toussie are convinced that once the New York City Metropolitan Area recovers, retail outlets like this one in Connecticut will follow right along. Indeed, three of the state’s eight counties, which also happen to house most of the population, make up the Tri-State Region of New York, New Jersey, and Connecticut.

In spite of such proximity to a world-class metropolis like New York City, it should be noted that Connecticut was never that hot a real estate market, so it shouldn’t be surprising that Connecticut has endured the housing scandal and its subsequent crisis much better than many other states. Indeed, once-industrial and then dilapidated Waterbury now attracts newcomers, most notably Orthodox Jewry, a welcome development that has brought new life to the local economy.

Certainly, Connecticut has in fact done well compared to states like Florida, Nevada, and even California, for sales are already reported to be running at about 70% of 2008 levels, and though median prices have moderated they are at least not nose-diving! Yes, mortgages are harder to come by, but a lot of this is on account of the long-overdue correction of slipshod lending practices in the first place and is actually, in the long term, a positive development for Connecticut’s economy.

Having said all that, readers are still advised to consult those properly licensed and/or otherwise qualified when it comes to making business decisions of any financial importance as neither author nor publisher shall be held liable for such information as has been presented so far, which only constitutes mere opinion and should under no circumstances be misconstrued for financial advice of any kind whatsoever!

A good number of detox diet’s will permit for a gradual re-introduction of foods (other than those that were restricted on the diet). A Detox Diet eliminates foods containing anything reported to be harmful to your health. Once you have completed a detox diet, it is a great point in time to put more fruits as well as vegetables to your diet, and stick to that habit. Examples being to add some berries to your breakfast every day or a tomato at lunchtime, and them possibly some broccoli with dinner. And please do not forget the drinks, ditch the soda and drink some vegetable juice. Most people that complete a detox system will tell you that it is a great way to boost health and all around well being.

Get out of the rat race and onto the fast track through affiliate marketing online. Thanks to the power of the internet, offering unprecedented scope and reach, there are now a couple of new ways to generate income from the comfort and ease of your own home. Best of all, unlike old-fashioned medical billing or envelope stuffing schemes, these modern techniques really work! Affiliate marketing is the roadmap to 6 and 7 figures – if you know what you’re doing and you are doing something valuable.

Now let’s pause right there for a moment, because lost in all of the hooplah over making money online is that fact that you are only going to be rewarded for adding something of value to the internet. Yes, internet marketing equals residual cashflow, but that only happens when you’re actually supplying something that contributes positively to someone’s life!

For instance, teach enough people something they want to know and enough of those people will help make you rich – not by paying you any money themselves, but by clicking on any number of ads you can host on your attractively designed, easy-to-navigate information-rich website.

Every click can be anywhere from a few pennies to a couple of dollars for you from the business that’s chosen your website as the venue to promote their product or service – and, as previously mentioned, with enough individuals browsing your website chances are that enough of them will click on an ad, translating to hundreds or even thousands of dollars a month!

But the trick is to provide something of value and market it right. Without proper advertising, no one will actually hear of your great site, even if it contains the answer to life, the universe, and everything. But all of the advertising in the world isn’t going to help folks want to come back or even stay on your site if there is nothing there of value to them.

Plastic water tanks are a far cry from the armored behemoths also referred to as tanks, but they do have a curious historical connection. Yes, that’s right, modern plastics were developed after World War II, while tanks first made their debut in the waning years of the Great War, but there is something of a relationship.

Although not plastic water tanks, military tanks had been first so named by their British creators in an effort to disguise their research and development. It was hoped that by classifying these inventions simply as “tanks” on paper, any German spies who might have gotten a hold of the secret documents that referred to them could perhaps be mislead. As it turned out, the label stuck and tanks have been referred to as just that ever since.

In English, anyway. In German, and many other languages, they are known as only “armor,” a more appropriate term that is a recognized synonym in the English-speaking world, particularly among military circles. A far cry from today’s plastic water tanks indeed, but the thought is never far away in the minds of military history buffs.

The connection is a little more than merely etymological, actually, as the earliest designs did resemble nothing more than simple water tanks to those who had the security clearance to see them. Tanks have dominated the battlefield for over sixty years, and even these days they form the core of most conventional land warfare tactics.

The introduction of attack helicopters and guided missiles have greatly decreased their striking power, and also the asymmetrical warfare prevalent in conflicts today render them ill-suited for most missions, but nothing on the horizon can match the tank in its useful combination of firepower, maneuverability, and defensive capacity. Though less used, the tank still figures eminently in offensive tactics and grand strategy and should find a role for itself in the decades yet to come.

With media attention commonly focused on foreclosed homeowners, this article will take a brief look to consider the effects on homebuilders such as Isaac Toussie.

Embittered homeowners who have been foreclosed upon have taken to trashing the property before getting kicked out, with anecdotal estimates by real estate agents putting the number of such vandalized properties at up to one half of all such units. But given all the media coverage of foreclosed homeowners, it’s time to take a look now at how the same crisis is affecting homebuilders like Isaac Toussie. After all, many of the small-time businessmen had to take out loans in order to finance their housing developments. Of course, there are no such developers out on the street, and their cases, unfortunate in themselves, are not anywhere near comparable to that of homeowners who have nowhere to go at all. But it’s interesting to see how things can turn out for businessmen and women caught up in the same economic disaster, and how reactions can differ – or not.

For example, many small homebuilders have had to dip into personal savings just to keep their companies afloat, a familiar dilemma to many homeowners. Buyers were disappearing with cash deposits of several thousand left on the table, proof that local residential property markets had turned ice-cold. Even more unfortunately, many homebuilders have proceeded since then to file for bankruptcy protection, with vast sums owed not only to their lenders but also their subcontractors and workers. But still worse yet, these small-time builders have often financed their businesses with so-called recourse debt which allows banks to seize homes, cars, and other personal assets in case of default – again, quite a familiar scenario comparable to that faced by many homeowners.

Such scenarios have increased and are now considered commonplace across the country. Many a builder has been left with unsold units and land, falling behind on interest payments and facing foreclosures. And in a very bad sign of the extent of the destruction involved, even very large homebuilders are in trouble, with legendary builders such as Levitt & Sons, founders of Levittown, New York on Long Island, famous for epitomizing postwar suburbia, forced into bankruptcy like some small unlucky start-up.

It’s gotten so bad that once solid partnerships and friendships have frayed as an every-man-for-himself mentality creeps into the proceedings. Contractors and subcontractors have had to take out liens on the property they build in order to protect themselves. And it is in this regard that the ordeals of homeowners and homebuilders differ: the latter have almost no hope of any governmental assistance whatsoever, despite being affected by the same subprime mortgage industry shenanigans that’s made owning a home so suddenly onerous.

Legal Disclaimer: Be advised that such information as has been presented so far only constitutes mere opinion and should under no circumstances be misconstrued for professional advice of any kind whatsoever! Always consult those properly licensed and/or otherwise qualified when it comes to making business decisions of any financial importance.

It is important to do your homework when it comes to investing in New York properties. New York City is a very diverse place, and even adjacent neighborhoods can be drastically different, never mind those in different boroughs. According to industry experts such as Isaac Toussie, nothing is as it seems, and if you are looking for residential property that you plan on living in yourself, you might even want to arrange to spend a few nights on the premises to really know first-hand what it’s like. For example, many peaceful-looking places are actually not peaceful at all but deadly, ridden with crime and pollution and a host of other social ills. Even when it comes to commercial real estate, things may not be as they seem. Developers like Isaac Toussie are abundant in this town, and to stand out from the crowd you need to be known for something more than simply a hole in the ground of an empty lot.

New York property markets are distinctive in many categories, including population density. As an investor you want to thoroughly research them all before proceeding to a decision of any financial consequence. It is often helpful to think of different neighborhoods as cities or towns in themselves, which was indeed actually the historical case. Such an artificial view of the city would not suffice long-term, but it can be usefully dabbled in from time to time for specific purposes. For example, it is not uncommon to find the direst poverty fairly close to some of the most opulent luxury. As an investor in New York property you want to be aware of this possibility so as to not miss any good opportunities simply on account of ignorance.

When looking for property in New York City, you must consider the people, especially when it comes to homes for yourself or potential tenants. Ultimately, the people are what will determine the quality of life. Will it be a noisy place? Full of trash? Or does the local community take some pride in itself, without any kids running around engaging in criminal activity?

Even when it comes to the commercial side of things such deliberations are important. If you have space for rent but the neighbors are lower class people, you probably won’t get any upscale businesses looking to sign a lease with you, even with all the governmental encouragement there is, such as tax breaks and the like.

It’s a delicate balance, which is part of the reason why rents are so high in the city. But what to do as an investor?

Watch. And learn. You can never learn enough about such an exciting, dynamic city, and you never can tell just when such knowledge may be put to good use. Why not bicycle around to get a good feel for a place? New York City has ambitions to become one of the most bicycle-friendly municipalities in the country, and this is one of the best ways to transport yourself through different places in order to get a personal feel for them.

A webinar is really a webcast that offers limited interactivity, for instance audience polling or a brief Q&A session afterwards. If you think about it, however, the state of today’s webinars are not that much removed from something such as amusement rides like Oztrek by New York entrepreneur Zalman Silber. These are IMAX-like experiences that are passive, with no audience interaction, the only difference from a traditional movie screening being the synchronized motion seating effects involved.

But a webinar is more an online workshop than multimedia entertainment. Something like the Army Virtual Experience, or VAE, however, works to combine both aspects, possibly portending the future.

The VAE is really a mobile infantry combat simulator that allows participants to get a small taste of soldiering under extremely hostile environments. Created by the United States Army in conjunction with American software developer Zombie Studios, full-sized Blackhawk helicopter and full-sized Humvee vehicle simulators are employed to further develop the sense of realistic immersion. It is really a mobile infantry combat simulator, available in a handful of different versions from full-sized to traveling packages suitable for indoor or outdoor installations. It was developed as a response to the increased appetite of young American males for electronic forms of entertainment, augmenting traditional advertising efforts on television. In two years and costing almost twenty million dollars, the VAE has been deployed at a variety of sites throughout forty states at venues ranging from NASCAR races to music festivals.

Available in different versions, the full VAE requires just under twenty-thousand square-feet of room for all the various aspects of the simulation technology involved, from the aforementioned life-sized replicas of Army weapons platforms to the various computers and networking equipment necessary for bringing it all together to life. It’s a long ways off from the kind of passive technology encountered at amusement rides such as the Oztrek by serial entrepreneur Zalman Silber. Employing a huge IMAX-like screen with motion seating that is activated in synchronization with onscreen events and actions, this sort of immersive experience is purposefully safe and innocuous, suitable for the general family-oriented audiences it seeks. By contrast, the VAE leans heavily towards young males, with an emphasis on fire-and-forget gameplay. The full-version starts off in a traditional manner similar to something like the aforementioned Oztrek, with a twenty-minute ride in which video briefings are given by various soldiers of the United States Army explaining their areas of expertise and specialized duties as well as their personal goals outside of the military. But the similarity to yesteryear’s virtual tours soon ends as participants go on to engage in any number of war-fighting scenarios from inside life-sized Blackhawk and Humvee simulators.

As famous as the team is, it is an open question whether Dallas Cowboys merchandise would’ve been as popular as they are without the equally famous Dallas Cowboys Cheerleaders. These ladies aren’t just any ol’ football cheerleading squad members, but make up a veritable franchise in themselves.

No less than two made-for-TV movies have appeared about them, not to mention any number of Dallas Cowboys merchandise bearing their likeness somewhere on the product! For when you think of Texas football, you think the Cowboys – and when you think Cowboys, you think of their cheerleaders.

Sure the die-hard fan may prefer his Dallas Cowboys clock “straight-up” but several others who usually are not so hard-core would most likely welcome a shot of the cheerleaders illustrating their fan merchandise! No other collection of young ladies so epitomize the American woman: young, fun, and fit; spirited; glamorous; intelligent.

Yes, despite the voyeurism involved these beauties know how to comport themselves and market themselves. Team try-outs obviously concentrate on athleticism and physical beauty but as spokesmodels for the team a great amount of social savvy and hence intelligence is required, too.

The only other set of ladies that have left such a deep impression on popular culture worldwide would have to be Hugh Hefner’s Playboy Bunnies. Interestingly, the Cowboys’ cheerleading squad actually started out mixed, with both males and females, as was high school and collegiate football tradition.

And indeed, it was local high school students that actually made up the squad back in the 1960s. In 1969, however a deliberate attempt was made to raise in-game attendance by offering only female cheerleaders whose routines were unlike those prevalent at school games. By 1972, all cheerleaders were over the age of eighteen as their moves became increasingly a lot more like sexy dance routines.

Looking to sell your company and retire off the proceeds? Think again. Because of these recessionary times, banks are unwilling to lend cash – meaning that it’s harder and harder to sell your company because buyers often can’t borrow more than sixty percent of the selling price.

Everyone is skittish. And many company owners aren’t rueful of not having sold when they had that proverbial chance. It is more challenging than ever just to stay in business, and while the actual value of your organization may not have declined much, if declined at all, it’s merely an extraordinarily bad time to be in business – or to try to sell one, even a successful one.

And unfortunately for many owners, they increasingly have to work out alternative payment schedules, more akin to a loan except where profitability is concerned. Nevertheless, all isn’t lost if you’re determined to sell your company.

For one thing, the tax rate right now is at historic lows, though many industry experts expect it to go up, to twenty percent from the current fifteen capital gains rate, in one more year or so. This means that your after-tax income from a sale right now could be higher than if you wait for the economy to improve and take a hit from greater taxes.

Of course, it is tough to let go of the notion that your company is still worth what it was during the economic boom years of just five years ago. But it’s important to cut your losses, as it were, while you still can and get out before you put any more time, or even money, into a business when all you wish to do nowadays is retire to the good life. After all, isn’t that why you’d worked so hard through the years?