You don’t have to be a real estate expert to have heard of release agreements. A release is one of the most common types of contracts in the world of law. They are used to allow a company to use someone’s image for commercial use. However, a real estate release agreement isn’t quite the same thing. In most cases, releases are used by prospective buyers to release the seller from the mortgage or liens they have on a property so that the property is debt free. The form is extremely short and is often only one page when presented. Let’s take a look at a typical contract requiring a seller to obtain release of mortgage on a property.

The first part of the contract clearly outlines the date that this agreement is being signed, the names of both parties involved in the transfer of the property as well as any spouses of the members involved in the agreement. The second part of the agreement outlines the terms and conditions that the property in question is under. It goes over how much debt the property has attached to it and whether the property has a mortgage debt or a lien debt associated with it. It also outlines the purchase price of the property and how that purchase price can now be used to pay off any and all debt associated with the property. This type of form is used mostly to ensure that the seller will eliminate all debt from a piece of property when the sale is complete as agreed upon in the original sale agreement. Some people consider this form to be a bit redundant, but you can never be too careful when it comes to legal wrangling and property.

The final part of the agreement only requires the signer to include their names, the amount of the total debt still present on the property and finally, the amount that is being paid off. Much of the contract will simply be pre-typed text, often a template, that outlines the seller’s responsibilities once the sale is finalized.

If the buyer and seller of the property agree beforehand, a real estate release agreement isn’t necessary. It could be part of the original sale agreement that the buyer is responsible for paying off any existing debt on the property and not the responsibility of the seller. Since every legal agreement is different and many of them have their own unique provisions, some real estate release agreements can vary considerably from the one outlined here.

In conclusion, the real estate release agreement is a safeguard instituted by the buyer to ensure that a piece of property that has debt associated with it is paid off in full with the money gained during the sale by the seller so that when the final transfer of the property is finalized, it is debt free. It is vital that this agreement be included if you are buying property that has debt attached to it.

 

There have been many changes in fitness over the past 30 years. It’s human nature to reminisce about times past. That’s great but lets not forget that things change as well. This is certainly true in the area of health and fitness. “If you do what you have always done, you will get the results you have always gotten” is true, but what if the situation changes? Then what used to work is no longer a viable and effect way to get the results that we want. In this article I will outline seven items that have changed over the past 30 or so years that affect the way we view health, fitness, exercise and what is considered “best”. Let’s look at some of these changes in Fitness.

1. Activity level

This change in fitness is pretty obvious. We just don’t move around as much as we used to 30 years ago.

Currently, the average sedentary person living in an urban setting takes 900-3000 steps a day. Uh… that’s a puny number! In the journal of sports medicine existing literature was pulled together to set a general guideline of what a good number of steps per day would be

The author Dr. Catrine Tudor-Locke translated different physical activity into steps-per-day equivalents. A rate of fewer than 5,000 is classified as sedentary, 5,000 to 7,499 is low active, 7,500 to 9,999 is somewhat active 10,000 or more is active and 12,500 or more is very active. So what does 900 make us? Close to dead! But its not hard to imagine. Get up from, take elevator to car park, drive car, take elevator to office, sit down, order fast food, reverse the process to go home and go back to bed. Just to note, 1km is about 1300 steps.

Its gotten to the point where we have to purposely inconvenience ourselves to get our activity level up. Here are some suggestions (that actually show us how pathetic our average activity levels have become).

Park at the far end of the car park and walk to your building Instead of dropping the kids off in front of the school, park a couple of streets before it and walk them the rest of the way… 10,000 is actually considered a LOW estimate for children.

Go round the shopping centre or supermarket in a random. With today’s super malls, this is a big thing!

Take the stairs instead of the lift or escalator (well if you work on the 50th floor, maybe climb halfway to start)

Give the dog an extra 5 minutes on his walk (we need it even more than him)

Stop emailing colleagues in the same office, instead go over and talk to them (shockingly effective considering how much email we send each day!… great for team building as well)

Go for a walk during your lunch break, walk to get your lunch or to find somewhere to eat your lunch

Get up and do something, run up and down the stairs for example during TV ads (no excuses here!)

Walk to the corner shop instead of driving or popping in on your way home

Walk to friends houses instead of driving

Take public transport and walk from the train station

Dr. David Bassett studied an Amish community to see what things were like in the past. These guys have no cars, no electricity and do hard manual labor to put food on the table. Its like time travel to the past. They eat 3 large meals a day with lots of meat, vegetables and natural starches like potatoes.

The 98 Amish adults Bassett surveyed wore pedometers for a week. The men averaged 18,000 steps a day. The women took an average of 14,000 steps.

The men spent about 10 hours a week doing heavy work like plowing, shoeing horses, tossing hay bales, and digging. The women spent about 3.5 hours a week at heavy chores. Men spent 55 hours a week in moderate activity; women reported 45 hours a week of moderate chores like gardening and doing laundry. Wow that’s a lot of manual labor. Get a pedometer (its only like 20 bucks) and see how you fare.

2. Fat Percentages and Obesity

Activity level leads us right on to this point about obesity. The scary obesity rate is one of the most obvious changes in fitness.

The obesity rate among the participants in the study of the Amish population was 4 percent, as determined by body mass index, or BMI. The current obesity rate among the urban populations is 30% or more. OK the obesity percentages are a scary thing because obesity is already in the “VERY high risk of a lot of bad ways to die” category. There is still the overweight category (obviously fat but not hitting the medically obese range) to consider. These people are at a high risk already!

The total percentages of overweight + obese are really wild… hitting close to 70% in some cities. Compare this to the average in the 1980s. 10-15% obesity in most cities. It rose to the mid 20% in 1995 and its now at an all time high.

3. Diet

OK linked to point no.2 is of course diet. This is another obvious change in fitness. Its very simple actually. We now eat more refined foods (white bread, sugar, rice, flour, noodles). In the body these give pretty much the same response – FAT storage. The only time we should eat these items is immediately after hard training. As we can tell from point no.1, not much of any training is going on. But lots of eating is!

We also eat less fresh fruits, vegetables and meats. We eat more snacks like chips and cookies (which are also refined despite what advertisers claim).

These changes in fitness are made more troubling because even natural foods today are not as good for us as they used to be. Current farming methods make vitamin and mineral content in fruits and vegetables drop about 10-40% depending on the mineral. Corn fed meats don’t give us as good an omega 6 to omega 3 ratio as we used to get from grass fed and free range animals. (that means not so many healthy fatty acids for us)

And of course, we are also simply consuming more calories. The Amish people in the study in point no.1 ate about 3600 calories/day for men and 2100 calories/day for women. Many sedentary people consume this much and more! How? Well a fully “featured” gourmet coffee from coffee bean or Starbucks can add up to 500 calories in an instant of caffeine folly.

That’s 2 hours of walking for an average sized lady.

Just remember, calorie quality counts as well. 2000 calories of vegetables, meat and healthy fats is infinitely better than 2000 calories from french fries. Its close to impossible to get fat on the first, and nearly impossible not to get fat with the second.

I like this car analogy. If you had a 2million dollar dream car, would you put low grade or high grade petrol into it? High grade of course! Then why do some people put low grade filth into their bodies which are so much more important than the car we drive?

4. Games children play

The average child who grows up in an urban environment is a motor-skill weakling. As a hobby, I coach youth basketball. In our talent scouting, I have kids do a very simple drill of dribbling in and out and around cones. There are so many kids who can’t do it and some who I think might fall down if asked to RUN around the cones without the ball! This is in contrast to the past where kids ran around, chased each other, played physical games and sports of all kinds, where the playground was the center of fun for young kids. This lack of activity not only causes a change in fitness for the child in his/her youth, but has a profound long term effect as well.

Of course this change in fitness is a result of a combination of possible factors.

Parents who only consider academic success to be worth striving for, who only give a child recognition and praise when they do well in academic subjects.

An education system who also values book knowledge above other things and takes away physical education classes to put more academic lessons in.

Poorly taught PE lessons that don’t help a child develop motor skills in the key early years Busy double-income families where fathers are not free to play with their children (or don’t care enough to… money isn’t everything dads)

The maddening computer game addiction situation where virtual life is more important than real life. I believe this is the reason for all the empty basketball courts in my neighbourhood. It used to be that teams lined up to play there. Now only people my age (late 20s to 30s) play. No young kids are there any more.

But actually, so what? The issue is that if kids stink at sport and physical activity, the well known psychological factor of “competence” comes is. Simply put, in general, we do what we are good at. If our next generation is poor at sport and physical activity, they are even less likely to do any of it! Which combined with items 1 to 3, make for a deadly health crisis for many countries. Obesity costs the UK 7.4 billion in national health care per year! If we don’t help our kids, that’s only going to grow to be a bigger and bigger burden for everybody.

5. Social Support

This is a more subtle change in fitness. People are communal animals. We stick with things because there is a supportive community behind us. Even drug and alcoholism rehab centers recognise this. We all need social support. But social links are getting weaker. And no, Friendster and MySpace links don’t make up for it.

In a more connected but less close world (I know so many people who are only comfortable behind a computer screen and not in front of a real person) there is less social support than in the past (extended families, communal living, strong friendships within a neighbourhood etc) and its hard to stick with something which requires dedication and sacrifice like an exercise program. I’m not a sociologist but I do believe there is a reason that exercise classes do better in terms of membership than individualized training. Most of them certainly are not as effective as great individual coaching. But the social factor does come in when sustaining a lifestyle change is involved.

6. Free Time

This subtle change in fitness is pretty clear. We just have less time that we “own”. Bosses, social, family and other commitments make free time a very precious commodity and it adds difficulty to the fact that time is our only non renewable resource. When we choose to exercise or spend time cooking to keep a healthy lifestyle, we are competing with movies, games, TV and other things for free time. We know that exercise is good for us, but it not only has to be good for us, it has to be BETTER in our minds than the latest episode of desperate housewives, or the latest computer game. That’s the issue. We need to prioritize long term health over temporary fun.

7. Training methods

OK here is where we are doing well. 30 years ago the aerobics craze took the western world by storm. Its not a very good training method both in terms of results, and in terms of results per unit of time. Add that to the fact that we have such minimal time to train, we can’t afford to train in a sub-optimal way. We know a lot more now. Fortunately for us, there are good methods that smart coaches use to improve training efficiency and get RESULTS even with less training time. Some of these include smartly designed resistance training programs, interval training and good assessment techniques to determine individual needs. If you have a coach like that in your corner, you can turn back the clock and avoid becoming one of the ever growing statistic of people who’s health is headed in the wrong direction. Stay fit and strong and good luck!

Computer plays an essential role people’s day to day life especially at work place, schools and even in home. Twenty first century has been the age of so many technological advancements aimed for making the lives of people better. Computer helps them become more efficient in their work.

Computer technology in banking:

Technology has made our living easy and comfortable, for instance our banking needs. Previously people need to maintain the important data of their customers manually. But right now, in just one click, they would be able to find all the customers’ data instantly. The customers are able to know about the transactions of their account by logging in to the bank website. Moreover, it is possible to apply for loans through online.

Improvements of computer technology:

Computer technology has improved our life style far better than before. Due to the emergence of internet and technology, the world has shrunk to a global village. Even though the advancement in internet creates new challenges like computer problems and virus threats, the computer technology like antivirus software made easy to overcome these problems.

Computer in food industry:

The automation and computerization in food processing units is facing lots of challenges if they are used nearby water catastrophic effects on any computer system. Most food processing units prefer waterproof computers to protect their computer systems from drenching in the production area.

Computer in medical field:

Hospital is an important organization and computers are used for the management of a hospital. The accounting, payroll and stock system of the hospital have been computerized in recent days. We can maintain the record of different medicines, their distribution and use in different wards etc. using computer. Even the disease can be diagnosed by entering the symptoms of a patient. Moreover, various computerized devices are used in laboratories for different tests of blood etc.

Computer in agriculture:

Nowadays agricultural industry is also making use of the computers. The analysis that was taken some few years before shows that 44% of the farmers in Ohio are using computers for various purposes. In 1991, only 32% of the farmers were making use of it. This shows that there is considerable increase in the farmers who are using computers. As internet becomes the means of communication, most farmers use this technological advancement for transaction processing or for retrieving information. The analysis shows that out of the total farmers who were surveyed, 80% of them are making use of the internet.

Computer in education:

Due to the globalization of education, so many challenges are posed by the new trends. In order to face all these challenges, information technology in the education sector is very important. It is essential that the students become familiar with the concept and use of information technology in order to equip them for future job market. Similarly, the faculty can achieve better quality in teaching methodology. The computer technology has developed in many fields. Its drastic development has created an immense impact in almost all the fields and thus leading to a new era.

 

Indian Weddings don’t symbolize mere marriage; the nuptial bond symbolizes loads of commitments, shared responsibilities and promises for life. The weddings in India are full of vivid events and rituals that continue for several days. Around 300-1000 people attend the weddings and the scale of wedding is thus so large that it seems that not just the two individuals get married but the two families. A majority of the wedding customs and traditions are similar in Hindus, Muslims, Sikhs and Jains.

The prospective groom’s parents approach the bride’s parents to ask them for the hand of their daughter to get her married to their son. If the bride’s parents agree to the proposal, the parents invite the Hindu priest to match the horoscopes and if the horoscopes agree, they ask the pundit to tell them a suitable date for the marriage.

The parents of the bride visit the groom’s house to formalize the wedding and perform the Tilak Ceremony. On the following day “Byaha Hatth” ceremony takes place and the unmarried girls apply a paste of turmeric, sandalwood and rose water to bride and groom at their homes. Till the wedding day, both the bride and the groom are not allowed to come out of their homes.

On the wedding day, the bride wears a red colored sari and the groom wears a sherwani companied with a pyjama or salwar and wraps angrakha around his neck. The groom and male members of the groom’s family wear pink turbans.

The groom rides on a horse and is accompanied by his baraat (procession) to the venue of the wedding. They receive a warm welcome from the bride’s side. The bride is escorted to the wedding hall by her close friends or sisters. Then both the bride and the groom perform garland ceremony and head on towards the wedding feast.

As per the timing suggested by the Hindu purohit, the Circumambulation of fire is done to finalize the marriage and then the bride’s parents do the kanyadan. The bride departs with the groom and is welcomed by her mother-in law holding a thali of Aarti. Several customary games are played during the evening hour. On the next day at night, a reception party is held by Groom’s side and a large number of guests are again invited to attend the feast.

The wedding is said to be officially over with the Reception party but after the wedding, the couple is invited for lunch/dinner at the relatives’ homes for the first time after their marriage. This is done to open their way for visiting the relative’s homes.

Many people get confused about the role of advertising in the marketing mix so here’s a simple view of where it fits in.

In the traditional marketing model, we talk about the 4 P’s

o Product

o Pricing

o Place

o Promotion

The last section – Promotion is what we mean when we say you are “doing your marketing”. It’s your communications or your actual marketing activities.

But first, let’s get clear about the PURPOSE of marketing and why you want to get good at it.

“The PURPOSE of marketing or it’s biggest task is to

persuade prospects to visit you online or offline so you

can present your offer. Done well they come waving their

credit card and ready to buy so there’s no need for hard sell.”

Whenever and wherever you get in front of your potential market is your marketing opportunity – you are communicating or getting your message across.

You could say this started as far back as Babylon when the Town Crier was the only delivery method! They went around town shouting out to people to go to the marketplace and you went to the marketplace with your goods to “present your offer”.

With the invention of print and other technologies you now have a smorgasbord of delivery methods or media to reach people such as

o Print – newspapers, magazines, catalogues, newsletters

o Phone, mail, fax

o Radio & TV,

o Internet – through websites, blogs, social networking sites, email, video & Audio podcasts

o Teleseminars & webinars

o Mobile media – Blackberrys and mobile or cell phones

o And lets not forget in person public speaking and networking

Now that range adds a level of complexity. But choice is good and you don’t have to use all of these but they are available to you.

In any event you’ll either be speaking or writing. Simply narrow down what makes sense for you and your business and use your strengths to work out a plan.

JUST remember the marketing principles remain the same no matter the medium – so the PURPOSE of your marketing is still the same. To persuade prospects to visit you online or offline so you can present your offer.

So where does advertising fit into this?

Advertising is simply a subset of your marketing activities it’s the SALES function when you make the sales pitch or “present your offer”. This could be verbal or written in all the same media you use for your marketing communications. What adds to the confusion is sometimes big companies use image based ads for awareness so the “sales pitch” isn’t obvious.

But the primary purpose of advertising is to SELL.

So you create ads in one form or another and get them in front of your audience.

Small businesses can’t afford to waste money on image advertising that is designed for the masses to promote a well known brand. It simply isn’t designed to sell, NOW.

What I do and recommend is Direct Marketing which is based on one-on-one relationships and uses proven direct response advertising techniques instead of mass advertising.

The purpose of a direct response advertisement is to get a response, NOW! Which means these ads actually ask the prospect to DO something.

Whether you’re building a list, selling a product or service, an appointment or even something you are giving away – you still need to “sell” it to your prospect. And ask them to take the action you want them to take to move them through the sales process.

In a nutshell, advertising is a subset of marketing and direct response marketing and advertising is the champion for small business.

 

Here Comes the Bride may be played at every wedding you attend, but that’s not the case around the world. Wedding music traditions vary from country to country, and even from one religion to another within the same country.

America

Here Comes the Bride is still a favorite for the bride’s walk down the aisle, but Pachelbel’s Canon in D Major has become a close contender. Songs include hymns, popular music, and classic music…basically whatever the couple desires, as long as the event venue doesn’t prohibit it. In America, weddings may be held anywhere, as long as a minister or justice of the peace conducts the ceremony and proper paperwork is filed with the government.

England

Just like in America, Here Comes the Bride is the song of choice for the bride’s entrance. English weddings are very stepped in custom and tradition, so many brides may choose to employ a harpist. In England, law requires weddings to be held in an approved place-mostly churches. Like Americans, British weddings may have a mix of music, but British ceremonies are usually very traditional and formal.

Australia

Pachelbel’s Canon in D Major is popular here, along with many of the traditional love ballads used at wedding ceremonies in America. One thing that differs in Australia is the signing ceremony, which also can involve music. At the end of the ceremony, the couple signs the wedding certificate while everyone watches. British ceremonies may incorporate musical instruments such as bagpipes and a didgeridoo.

Japan

The traditional Japanese wedding is called a shinzen shiki, a ceremony conducted by a Shinto Priest and a shrine assistant. The bride and groom may either wear a gown and tux or traditional Japanese wedding garb, which includes a kimono and hakama. These traditional weddings use flutes and drums. Summer Candles and Dolphin Ring by Anri are both popular wedding songs. Similar to American and British weddings, Japanese weddings include sappy love songs.

Mexico

While the Mexican wedding ceremony may be serious and traditional, the reception is a full party, with salsa and mariachi music getting everyone on their feet. Mariachi music involves a wide variety of music, including guitars, drums, and even violins. Canon in D Major is also popular for the bride’s processional here.

Ireland

It should be no surprise that bagpipes are popular in Irish weddings. Many couples are choosing to honor their country’s rich tradition, so Celtic music is very popular in Irish weddings. The Irish Wedding Song is often played at receptions and Danny Boy and Irish Eyes Are Smiling are always popular at gatherings in Ireland.

India

White gowns have no place at a Hindu wedding. The bride traditionally wears a beautiful red sari and covers her feet and hands in henna tattoos, known as henna staining in India. Music plays a prominent role in the Hindu wedding ceremony and many popular wedding songs (including Aaj Mere Yaar Ki Shaadi Hai) have been used in Bollywood movies. The wedding ceremony and post-ceremony are very involved and may last a few days, including the bride leaving her groom to join her new family and the wedding party welcoming the bride to her new home.

Conclusion

Music provides the backdrop for all wedding ceremonies. No matter where your wedding is set, the feeling of rich tradition is still the same. From Here Comes the Bride to Aaj Mere Yaar Ki Shaadi Hai, brides all over the world are celebrating their love with music.

No business exists and operates in a vacuum, but as a part and parcel of the environment in which it finds itself. Efficient and effective marketing strategy is a function of the marketing manager’s ability to understand the environment in which the business operates.

The marketing environment consists of a set of factors or forces that operate or influence a company’s performance in its chosen target market.

Jain (1981:69) defined the marketing environment to include all those factors that may affect the organization directly or indirectly in any perceptible way. Marketing environment factors affects the organization by the way of input and the organizations also affect the environment by output. The relationship between the organization and the marketing environment is often referred to as “inseparable” the organization and it environment are constantly in a state of: give and take” or homeostasis.

The marketing environment consist of those forces or element that impacts on the company’s capability to operate effectively in its chosen target market.

The marketing environment is divided into two major components. The elements are,

Internal environment: the internal environment is concerned with the controllable variables. Controllable variables are categorized into two groups, they are; the strategy variables and unmarketable variables. External environment: the external environment is concerned with the uncontrollable variables. These variables are called uncontrollable because the marketing manager cannot directly control any of the elements. The marketing manager is left with the option of adapting to the environment by prompt observation, analysis and forecasting of these environmental factors. The external environment can further be divided into two components, the micro environment and the macro environment.

Micro environment:

The elements that fall under the micro environment consist of forces or factors in the firm’s immediate environment that affect the firm’s capability to perform effectively in the market place. These forces are suppliers, distributors, customers and competitors. Let us discuss each of the variables in details.

Suppliers:

Suppliers are business customers who provide goods and services to other business organizations for resale or for productions of other goods. The behavior of certain forces in the suppliers can affect the performance of the buying organization positively or negatively. The critical factors here are the number of suppliers and the volume of suppliers to the industry. An audit of the suppliers will enable us to appreciate their strength and bargaining power, which the suppliers hold over the industry as a whole. The answers to the issues concerned have the potentials to affect the capability of firms in the industry to effectively deliver need-satisfying goods and/ or services. The trend today is that buyers attempt to persuade the supplier to provide exactly what the firms want. This process is known as “reverse marketing”.

Customers:

Customers are those who buy goods and/ or services produced by the company. In a purchase chain, different people play significant roles before a purchase decision is made. The various influences must be understood. The customer may be the consumer of the products where he/she is the user. The critical factor here is that needs and wants of consumers are not static. They are fast changing. The changes in the preferences of the consumer create opportunities and threats in the market. The changes called for the marshaling of separate strategy to either fit into windows of opportunities or survive the threats in the market. A good knowledge of consumers’ behavior will facilitate the design and production of goods and services that the customers need and want, and not what they are able to produce.

Competitor:

A competitor is a firm operating in the same industry or market with another firm. The consideration here is that, Firm A produces a substitute to that of firm B (industrial approach) or firm A and firm B seeks to satisfy the same customer need (market approach.

 

Speaking about modern Ukrainian customs and traditions it is necessary to stress that the Ukrainians are proud of their colorful folk culture. They love good food and drink and have a zest for life.

Most Ukrainian middle-class and lower class urban families live in flat in multi-storied buildings; only rather rich people can afford to build cottages either inside or outside the city.

Ukrainians have a deep love of the land. Many families have small country houses, called “dacha”. They are able to grow just about anything in their neat gardens, orchards, and homesteads. Some people grow food only for their own personal consumption. They spend time canning vegetables and making compote from various fruits during the summer in order to make it through the long cold winters. They always have something in their houses to serve guests.

A modern average Ukrainian family has two parents and usually one or two children. At the same time there is a growing number of one-parent families usually headed by a woman rearing a child. Like in many other countries, there are quite a lot of young unmarried people living together and sharing a household. Bringing up a child in Ukraine is very costly now; that is why many couples decided to have only one child, or even no children. Children tend to live with there parents long after they finish school. Sometimes children have to rely on their parents in financial matters as the unemployment rate among the young is very high. A newly married couple often lives with either of their parents because they have no money to buy or to rent a house or a flat of their own. Often one or both grandparents live with their children and help take care of small children. Grandparents play a great role in raising children in Ukraine.

In the village families are usually larger, and the whole family works on the farm (or a patch of land they have) together. Most parents who live in the country want their children to get a higher education, so they send them to study to big cities. After 5 years of studies, the children get used to the city way of life and seldom go home.

In their struggle for survival people become less dependent on each other within families. But still parents think it is important to teach their children daily skills and basic values of life. The result of a resent nationwide survey showed that the most important values parents want to teach their children are honestly, common sense, purposefulness, responsibility, good manners and obedience to parents. Adults believe children should be brought up to expect that they will have to struggle to succeed.

Like most other people, Ukrainians like holidays and merrymaking. They usually try to cook many tasty dishes and invite a lot of friends and relatives to their places. Another thing Ukrainians love to do is talk (while strolling, in cafes and restaurants, or at home over a cup of tea or coffee or other drinks). Conversation tends to be light, relaxing, humorous, and sometimes philosophical. Many Ukrainians enjoy picnics in the wood or somewhere the water at almost any time of year. Picnics often involve shashlik or barbequed meat, homemade salads, and sometimes alcohol. Ukrainians love to sit around fires at night and snack, drink, and sing songs to a guitar.

Popular outdoor sports in Ukraine are soccer, volleyball, badminton, table tennis, and hiking (walking in the forest). Fitness clubs have appeared all over the place. Yoga and martial arts are quite popular as well. Mountain climbing and rock climbing clubs can be found. Scuba diving, yachting, and even golf have recently become available. Increasingly popular in Ukraine are all sorts of extreme sports (bungee jumping, river rafting, downhill mountain biking, spelunking, etc.), and, more generally, all forms of active recreation (hiking, biking, boating, horseback riding, skiing, etc.).

Not everyone will do the things we’ve described above. Some Ukrainians’ culture will strike you as incomprehensible and intolerable, while others’ behavior and attitudes will seem rational and compatible with your own.

 

The real estate market is a booming industry. The success of the industry is a result of competition and the intervention of modern technology. Most people in the business prefer to use real estate property management software to stay ahead in the race. This software has been designed to cater to commercial and residential property, office buildings and apartments.

Real estate property management software is an effective and easy-to-use tool. This software helps people understand the real estate business. It is a quick response application that can store each detail of every transaction. This helps study non-payments and full-payments of rent, and maintains a detailed report of rent receipts and invoices.

Property owners are able to key inputs as and when required. The secured system is intelligent and allows changes from authorized personnel. Real estate property management software can evaluate an unlimited number of properties and units simultaneously. The software stores detailed data related to rent payments for all individual properties. This systematic approach eliminates any problems due to taxation.

Real estate property management software generates automated reports in cases of wrong payments and non-payments. The software does away with the practice of owners waiting for rent payments. All maintenance expenses or any extra revenue statements are regularly updated. The software also stores tenant information.

Residential property managers must select property management software that is most suited for their work. These applications are available with one-month money-back guarantees.

The residential property management system is considered to be time- and cost-effective for a manager and resident. The application can create a personalized website for an individual company in a relatively short time. This allows prospective and existing customers to visit the web site. This is a convenient method to view pictures of property, pay rent and submit maintenance requests.

The psalms of the Bible are a literary treasure chest of prayers for prosperity. Below is a list of which psalms to recite for common financial requests. In some Catholic and Santeria traditions, you say the prayer or write the prayer out after lighting a candle. You may also recite the prayer as many times as you want to transform it into a kind of a mantra.

Psalm 1: To disarm office gossips, discourage those who would harm your reputation

Psalm 3: To conquer fear of poverty

Psalm 5: To ask for a special financial favor

Psalm 6: To ask for mercy from creditors

Psalm 7: To ask that blocks to progress be removed

Psalm 8: To improve confidence, to bring customers to a business

Psalm 10: For encouragement, self-confidence and stamina

Psalm 11: For mercy, tenderness and compassion, to triumph over enemies when backed into a tough corner

Psalm 12: To over come gossip, bad rumors or attacks on reputation, to overcome anxiety

Psalm 13: To overcome anxiety, when backed into a corner

Psalm 14: To renew faith that the universe is unfolding as it should

Psalm 18: For protection of the home, deliverance from enemies

Psalm 19: To receive daily blessings, increase faith in the idea that the universe has a supply for every demand

Psalm 20: For a favorable verdict in court

Psalm 21: To increase one’s spiritual vibration to invite prosperity into one’s life.

Psalm 22: For deliverance from difficult financial situations, when you feel hopeless or backed into a corner

Psalm 23: For serenity, peace of mind and stillness of the spirit, to help access the higher self

Psalm 24: To calm disturbed thoughts, anxiety and still the subconscious and the spirit, relieve fears of the future

Psalm 25: For inspiration, to access the higher self

Psalm 26: For success in financial matters, to gain confidence

Psalm 28: To disarm adversaries, make peace with an enemy, invoke tenderness, mercy and kindness

Psalm 29: To raise your vibration, to purify the home

Psalm 30: For patience and acceptance of divine will, to understand that time brings what we need when appropriate, as a thank you for many blessings

Psalm 33: When feeling fearful

Psalm 35: For victory in a court case

Psalm 36: For when you feel cursed and for protection against the evil eye, to receive divine blessings

Psalm 37: To overcome jealousy, envy, resentment and disappointment, to become serene and still

Psalm 38: For protection in court

Psalm 39: For the courage to confront any problem, to conquer fear

Psalm 40: For the reinforcement of faith in God, to still the mind when you are feeling frustrated

Psalm 41: When feeling depressed or betrayed

Psalm 42: To reinforce the connection between your personality and the higher self; to open channels of opportunity

Psalm 43: For mercy when you find yourself in an unjust situation

Psalm 44: For mercy when you find yourself in an intolerable or unjust situation; to strengthen faith in God

Psalm 45: To increase one’s faith in the power of the subconscious to follow your stated words

Psalm 46: To elevate enthusiasm for spiritual matter, increase one’s faith in the guidance of the higher self

Psalm 47: To reinforce the four cornerstones of prosperity: health, freedom, happiness and love.

Psalm 48: To become a “smile millionaire”, reinforce happiness and faith

Psalm 49: To overcome envy of the prosperity of others

Psalm 50: To reinforce the idea that the universe is benevolent and that all is unfolding as it should

Psalm 51: To quell feelings of guilt or self-criticism

Psalm 52: To correct an unjust situation

Psalms 53: To conquer skepticism and restore faith in the higher self and God

Psalm 54: To master doubts and negative thoughts

Psalm 55: To conquer anxiety and fear

Psalm 57: For when justice, compassion, kindness, tenderness or mercy is needed

Psalm 60: To put the past behind you, for a clean slate in the subconscious

Psalm 61: For help in finding a new home, when in trouble with creditors

Psalm 62: To reinforce faith in the higher self and strengthen spiritual values

Psalm 63: For anxiety, fear and discouragement

Psalm 64: To increase confidence, decrease fears of hidden enemies, to ask to be in the right place at the right time

Psalm 65: To give thanks for blessings that have been received

Psalm 66: To give thanks for an answered prayer and display an attitude of gratitude

Psalm 67: To give thanks for what one has, to eliminate discontent

Psalm 69: For deliverance in times of suffering

Psalm 70: To repel negative thoughts and attitudes of others

Psalm 71: For liberation from limiting thoughts or situations that seem like a trap, for confidence and persistence

Psalm 72: To improve financial conditions in general

Psalm 73: To eliminate those feelings and emotions such as anger, jealousy and resentment that take away our opportunities for our own enrichment and good

Psalm 74: To attract good fortune and repel enemies

Psalm 75: To encourage a job promotion or a hiring

Psalm 76: Traditionally, for luck winning the lottery or luck at gambling

Psalm 77: To restore lost faith in yourself and God

Psalm 78: To tune into the higher self and the resources of the Divine Imagination’

Psalm 81: To increase faith in the goodness of God, faith in the higher self and that we live in a universe filled with endless supply

Psalm 82: To eliminate fear of poverty and injustice; to help get organized and make a “to do” list

Psalm 84: To develop a more optimistic view of the future and attract prosperity

Psalm 85: To find inner stillness, serenity and peace with God

Psalm 86: When feeling despair or discouraged

Psalm 87: To promote chances for success in the arts; to be read out loud before an audition, interview, exhibition or a pitching session

Psalm 89: To ease all pain and suffering, including that of a financial nature

Psalm 90: To express thanks for the blessings received each day, for justice

Psalm 95: To remove prosperity blocks, to be inspired to follow the path that is for your highest good

Psalm 96: To strengthen wavering faith in the face of opposition to your plans

Psalm 97: To resolve problems with creditors

Psalm 98: To keep a joyful heart and an attitude of gratitude for what you do have

Psalm 99: For mercy in legal proceedings

Psalm 100: To repel negative energy and harmful influences

Psalm 101: To get off a treadmill or break bad habits such as overspending

Psalm 102: To receive an answer to a specific problem

Psalm 103: To engage one’s willingness to change for the better, for stillness and serenity and grace

Psalm 105: For forgetting and forgiving oneself for the mistakes of the past, for clearing the subconscious so you can have a clean slate

Psalm 106: For trust in the higher self and renewed optimism for the future

Psalm 107: As thanks for receiving deliverance from a hopeless situation, to break bad personal habits that affect prosperity (laziness, drunkenness, overspending)

Psalm 108: For success in business.

Psalm 111: To find the right job or career path

Psalm 112: To enlarge one’s perspective, see the big picture and to allow one to grasp the significance of all their options

Psalm 113: To receive honors, applause, awards, rewards or accolades

Psalm 115: To resist naysayers and uncooperative people, for success in business

Psalm 116: To maintain a daily attitude of gratitude

Psalm 117: To conquer self-pity

Psalm 118: When problems are overwhelming, as a prayer of thanksgiving for blessings received

Psalm 119: (Gambol: Verses 17 to 24) To attract money

Psalm 122: To prosper in business

Psalm 123: To assure the free circulation of kindness as energy in your life

Psalm 126: To understand that problems are temporary and that this too shall pass

Psalm 128: To have a happy and peaceful home

Psalm 129: For deliverance against financial oppression

Psalm 131: To cast off pride, which is thought to attract the evil eye, jealousy and misfortune

Psalm 132: To acquire material goods and property

Psalm 135: To strengthen the heart and will so that one is led to their highest aspirations in life

Psalm 138: For confidence in times when you feel overwhelmed, to lose fear and anxiety about the future

Psalm 139: To instill confidence in God and the Divine Plan that is in store for you, when feeling lost confused or sad

Psalm 141: To receive answers for specific financial requests, for confidence and peace of mind

Psalm 143: To restore faith in your path and renew confidence that there will be a joyful, hopeful tomorrow

Psalm 144: To express gratitude and thanks for blessings

Psalm 145: For when you feel overwhelmed by financial problems and need answers

Psalm 147: For a peaceful heart and serenity during times of conflict and turmoil

Psalm 149: To help understand the timing of divine providence and to understand that there is a supply for every demand

Psalm 150: To obtain blessings and express gratitude for blessings

A simple prayer:

“Dear Lord guide me to honor you with my talents and treasures. Amen.”