Home Buyers and Sellers Real Estate Glossary

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

3 +1″ accelerate industry concentration

According to statistics, one quarter of the 17 key projects have been settled in high-tech zones, with a total investment of 26.6 billion yuan. Around the “3 +1″ Key industry development plan (electronic information, biology and medicine, high-end equipment manufacturing, modern services), a group of high growth is accelerating the concentration of industrial projects, industrial structure gradually clear. Global industry giants have settled

The first quarter of this year, high-tech zones to attract foreign investment projects 6, a total investment of about 2 billion U.S. dollars. Among them, U.S. TRW Automotive Safety Systems, Alstom shock absorber systems are 500 investment projects in the world, but also high-tech zone management system to adjust the first time since the introduction of the Global 500 project.

U.S. TRW Automotive Safety Systems The total investment is $ 20,000,000, the production of brake pads from the use of the depth of mold processing technology, can greatly reduce the vehicle noise vibration and improve the drivers comfort. Metal containers item has the world’s largest manufacturer and supplier of metal packaging containers, the U.S. Fortune 500 companies owned Boer set up a total investment of $ 75,000,000, is expected annual sales income of about 5 million yuan, annual profits and taxes 80 million yuan . Integrated Systems Project, Department of Ophthalmology, the world’s cases of the highest rates of ophthalmic electronic medical record software maker owned German company law should be established to introduce high-tech zone is the first German-owned enterprises. Accelerate the growth of high-end industrial chain

In the electronic information industry, the integration of wafer sorting test equipment, Knopp R & D Center and Northern District letter postdoctoral workstation, phase change energy technology industry and other high-tech zone project was officially settled in the northern zone of Jiaozhou Bay.

Among them, the integration of wafer inspection equipment items for sorting by the Friends of Science and Technology Co., Ltd. invested Hanguo Jiang, a world leading patented technology, is mainly engaged in professional LED wafer inspection equipment, test instruments, such as product design, development, production and sales. Settled in the project area for the elongated high-tech LED industry chain and promote high-end industrial projects of electronic information gathering, and further enhance the characteristics of high-tech industry’s core competitiveness area of ​​great significance. Currently, high-tech zone north of the park of Jiaozhou Bay has TPV rs232 lcd module and LCD modules, LED sapphire wafer production and R & D, manufacturing and high-power LED lighting systems LED industry related R & D projects and a number of landing. On this basis, high-tech zone in the semiconductor, IC design, LED as a key investment characteristics of high-tech zone with a complete electronic information industry chain is accelerating the formation.

In biological and pharmaceutical industries, has been the introduction of the blue biomedical industry park, bio-oligosaccharides, DC and CIK in vitro reagent blue biomedical industry projects with a total investment of 1.719 billion yuan. Among them, the Han and Tang Dynasties biochip, blue Biomedical Park incubator, Wah Yan stomach, bio-oligosaccharides four projects have started construction, clean room project orthopedic medical device has been decorated.

Advanced equipment manufacturing sector, which have been settled in the U.S. TRW Automotive Safety Systems, Alstom shock absorber 2 projects, metallurgical equipment, automatic transmission assembly base, tile line cadre integration, chip capacitors and other three projects have been formally signed . Last year, heavy truck started some of the equipment has special vehicle project approach, the ongoing internal and external decoration. East China Machine project was basically completed the first phase, second phase will soon officially started. Heino auto parts business up for projects completed and projects for the record, is about to start construction. Ren machine completion of the project land auction, geological exploration, the ongoing planning and design. Today a group, sub-Mastery, HTC Nile season, ranking a number of new Chengzhi Zhuo settled in Qingdao High-speed train industrial base supporting enterprises will soon have started construction.

Modern services sector, in the city last year started construction of the Shimao complex, technology services and a number of leading financial center, on the basis of the project, Wah Yan venture capital, R & D company in Qingdao Heng Anderson boats and other projects have settled down. The compound began to show hatch features a large

The industrial compound incubation function of a large high-tech zones in the increasingly prominent.

Not long ago, held high-tech projects focused on high-tech zone signing, CMA Engineering Research Center meteorological optical engineering center located in Qingdao High-tech Zone, mainly in our cloud, day, can detect devices and solar observing station equipment R & D and industrialization and enhance our level of technology related field equipment. Optoelectronics Research Institute Chinese Academy of Sciences, Qingdao introduced energy-efficient lighting system industrialization projects of things, will set up an electronic light source technology research and carry out integrated circuit design, packaging and testing to product application development, an annual one billion integrated circuits / modules units of production, and promote the development of optoelectronic integrated circuit industry. At present, the Chinese Academy of Sciences, Qingdao R & D base 4 million square meters of the main cap earlier, the introduction of a highly talented team of 60 people, set up a laser detection, spectral imaging, optical information, electronic light source 4 Research Center, registered in the Bureau of optical measurement, spectrum in the Division, the National Science optoelectronics, such as in Section 4-day high-tech companies for the first time commitment to 863 projects.

Up to now, Qingdao University of Science and Technology Parks Corporation, the national completion of the restructuring, the main park a foundation under construction, is Science and Technology, Ministry of Education officially recognized as state-level assessment of university science park; Qingdao International Science and Technology Park, Industrial Technology Research Institute, Qingdao, Qingdao New Media Technology Park Bangkok High-tech Zone has been settled, the introduction of a number of proprietary high-end industrial projects will be hatching in the incubator and pilot.

Activity Internet Marketing Report, Internet Marketing Information







One of the first things you should do is check the government regulations that effect Internet marketing. Two of the main regulation deals with e mails. You can only send out your offer to persons who have contacted you about your offer or (a one time only) persons who have contact you with their offer.

You are required to enclose in all your e mails, your e mail address, your business address and phone. If you will be using a autoresponder you are required to have a unsubscribe link, so persons who may have contacted to receive your offers, newsletter, etc. can click on and have their name removed from your list.

It is also very important to remember if you join a MLM as a affiliate the firm you are marketing for meet the regulations, as you too could be charged if they make outrages claims about their product, how much money can be made etc.

The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S.

and abroad.

Get your own website, avoid the free ones offered by MLM’s. Don’t be restricted to one firm’s product with a free website.

With a free web site you would have no chance of being listed on the search engines, as there would be hundreds of web sites with the same offers. All you are doing is working for free, paying for advertisements for someone else’s products. If there was some product you wanted to sell from a MLM firm, you can join as a reseller and place just the product you want to handle on your website.


You didn’t learn it at school, or at the office.

Would you believe your mother?

Networking is more then shaking hands, and giving out business cards. Forget about the endless networking skills you may have learned at the office. We just have to put the few lessons mother taught us into practice. As a kid we were always in a hurry to find something better. Our mothers taught us patience.

If your in a hurry you miss the value that can be built taking time with building relations in networking. Establishing a relationship by taking time, gives you a solid framework in networking building.

Your mother worked hard as an example. This is one of the better examples in networking she gave you. That’s why it is called networking, not sit work. For networking to be successful you have to work hard and put out the effort.

Remember her telling you to share your things with others? Some of our best resources are time, money, and information we are willing to give to the relationship. They appreciate us when we are willing to give to the relationship.

She always made you clean up after yourself. In networking, follow-up is required. Whether it’s a promise to meet someone, or just a thank you is one of the most important lessons of networking. These life lessons we learned from mother during childhood are a solid basis’s for strong networking skills.
Thank you mother for all your help.

The biggest time spend in selling, more so in mail order or on the Internet is developing a relationship with your customer and building trust. If you did a good job in the first two, closing a sale will take the smallest of your time spend with your customer.


Fake e cards.
You get a message with a link to an online greeting card but, when you click it, you end up with a virus on your PC. A couple of simple rules here. Delete any messages that come from someone you don’t know or that don’t address you by name. If they come from someone you know, email that person to check that they sent it before clicking on.


2009 has seen a surge in ads offering bogus vacation rentals. You pay a deposit or even in full to get a key and that’s the last you hear of them. Scammers are experts at creating phoney look-alike sites where you land after mistyping an address or by clicking on a link supplied in the e mail or ad. Always type in the URL and don’t just click on the link.

You can get products to sell via e bay or/and your website by using the services of a drop shipper. A reliable drop shipper will not ask you for a fee. They will allow you to copy pictures of the products they sell. Prices are about half you would pay for retail.

When writing articles to directories, we are not allowed to list URL’s for places to go for free information, such as drop shippers, ebay, and other places. If your interested you can go to our website and in our archives there is over 2 years of free Internet information listing with URL’s. My website is listed in the article source at the bottom of this article.

If you have a website they will allow you to move any listing on their site to yours. You set your price on the product/s you transfer. When an order comes in place the order they will ship it out for you under your shipping label and not include any of their material.

A good way to promote is join as an affiliate, transfer a couple specials onto your site, with a link back to your affiliate page. The cost of setting up a web site is minimum. Check out my website archive for drop ship firms. Transfer a couple specials onto your site, with a link back to your affiliate page. The cost of setting up a web site is minimum. Check out my website archive for drop ship firms.

The Author of this article is not responsible for accuracy or completeness nor shall he be held liable for any damage or loss arising out of or in any way related to the information or utilization of it.

What to Expect From a Bespoke Internet Marketing Service

What would you expect from a company that promises a bespoke, tailor made, Internet Marketing Service for your business? You’d expect something that had a slightly individual feel to it I think! Bespoke or package; the elements are very broadly similar. As a business you will know your market reasonably well following your market research. This should be followed up by very focussed keyword research. Once levels of competition and user intent are understood, it is possible to look at your existing website and identify it’s strengths and weaknesses in terms of ranking for identified and desirable keywords. With a new website you have the opportunity to map its design around the keywords that really give you a chance to compete, right from day one. In the modern era of internet marketing it is also necessary for almost all serious online companies to get engaged with social media to raise their profile. In detail the recommended process is set out below.

Initial Data Gathering and Keyword Research

A solid starting point needs to be established so that the success of each part of a tailored SEO project can be judged and strategies adjusted, to ensure that a client website attains and then remains on the first page of any Search Engine’s Results Page. The recommended steps would be.

Part 1 Establishing Your website’s Current Optimisation Status

a)Google Analytics (or your own solution) review:

It is essential to understand how much web traffic has already been arriving at your business website, the sources of that traffic and the actions that visitors have taken on landing. Google Analytics or your own analytics solution will give a clear picture of where you currently stand and areas that need to be developed.

b)Keyword Research:

Frequently neglected… and even more often misunderstood. This aspect, of all Internet marketing strategies, is critical when companies move their resources online. Keywords represent the questions asked by your customers and prospects; so your online presence must play to what people are searching for: i.e. your landing page must provide the best answer to their questions. Establishing the keywords that are used to search for your services and products, plus the ability to gauge the competitiveness of each; allows the next step of the process to be much more targeted than with our standard packages.

c) Website SEO Review:

Your SEO company will carry out a thorough review of your existing on-page and off-page optimisation. In plain English, the on page factors include such things as: ensuring all your header tags use the appropriate keywords; ensuring page titles reflect content and keywords: ascertaining the degree to which the content of each page is relevant to your business activities and that it is relevant to those keywords. Part of the that review will assess your webpages for accessibility via mobile devices and tablets.

Off page factors to be reviewed include: the number and quality of the backlinks that point to your domain and the individual pages of your website. They will also assess the quality and optimisation of Google places listings and map listings in other search engines, as well as determining your company’s visibility in business and other relevant directory listings around the web.

This will be presented as either a text report or frequently these days, a screen video report, if you prefer.

Part 2 Improving Your Rankings and Getting Top Google Placements.

Using the information gleaned in the previous research, your consultants will help you develop a strategy tailored to your website, your business and your best customers. The business of optimising your online presence and then making you more visible to your ideal prospects rarely brings instant results. Search engine optimisation needs to be an ongoing process: it’s a bit like keeping the garden watered. Like most gardens this needs a significant chunk of work up front and then regular maintenance for best results. SEOs and the search engines have a strange symbiosis. This results in the search engine algorithms constantly being tweaked so that SEO companies are, quite rightly, prevented from completely gaming Google. The constant tweaks by the search engines, the ever-changing competition and frequent changes in legal frameworks result in a situation where, once front page rank has been obtained, it needs constant maintenance.

Part 3. Social Media Management Strategy

Business ignores the world of social media at its peril. There are so many success stories rooted in the successful application of social media sharing that it is no longer a NEW thing. Facebook with its 500 million regularly and active members, online for over an hour a day, is the most obvious and well documented marketplace. Google spokesman Matt Cutts has let it be known to the SEO community that the Google algorithm is now taking more notice of the signals provided by Twitter, Facebook and the other social networks that identify the trustworthiness and engagement of companies, characters and organisations with their customers. Social media now provide huge leverage for your reputation management, word-of-mouth recommendation and as a source of traffic to your website. The plethora of social platforms and microblogging sites; added to the interconnectedness of many of them leads to the possibility of a huge viral effect of the most favourable kind for your business. Businesses know well that the best form of advertising is word-of-mouth from satisfied customers: Facebook, Twitter and LinkedIn are the 21st-century word-of-mouth channels. They are now, a crucial aspect of any Internet marketing strategy whether your company is purely online or a traditional bricks and mortar enterprise.

Internet marketing service companies are able to assist your company in developing a coherent strategy to raise your profile and promote your brand to your target market. The bespoke aspect is down to the way in which the consulting company will adjust their approach to the subtly different dynamics of each customer group, developing a truly individual presence on the web.

Clothing Store For Fashionable Women Clothing

Men and Women by nature are social animals. They always try to look their best by wearing different types of clothing and accessories. The habit of dressing fashionably is more prevalent in women then men. They are always conscious of the latest fashion and style. Fashionable women clothings are available in different qualities and prices.

The new styles and fashions are mostly the domain of the young. The main fascination of the young generation with fashion is to look different. The requirements of the young are different; an ideal life for the young requires designer clothing, money and a place to stay.

Now a days Designer women clothing are available almost every where. They are designed to fulfill the needs and requirements of every type of customers. Due to increase in the demand of fashionable clothes there is a demand for courses in fashion arts and design. Now a day a lot of universities are fulfilling the demand by offering these types of courses.

There are many good quality women clothing stores which sell their clothes online. Online stores have unmatched convenience there is no need to leave the safety of your house to select a dress. There are many women clothing online available, the choice is unlimited. If you are in U.K then Hobbs clothing is the place to shop for designer clothes. Even if you are not in U.K you can shop from Hobbs by using the internet. Women clothing can be obtained from the women shopping store of Hobbs. Designer women cloth can also be obtained from Zara online shop. The clothes at Zara are different and of a better quality then most online shops.

Another advantage of buying from exclusive women online clothing store is that they offer free delivery to homes of the buyers. Zara is one of those shops which not only offers free home delivery but also offers 3D images of women clothing, which helps a customer in making a better informed decision. Another feature of the quality web sites is that you can check the quality of the cloth by asking for a sample. Buying women cloth online can not only be a enjoyable experience but it can be a process which can save you time and money.

Comparison Car Rental Websites

The World Wide Web, or internet, is by far the most revolutionary invention mankind has come up with. There is an unlimited amount of information available to us with just a few key strokes. Car hire is included in this. We can now compare rates from the major car hire companies instantly. The good thing about this is that the companies are aware that clients can check. This keeps them more competitive and we reap the benefits with cheaper car hire.

With the internet however it does reduce our power to bargain with the companies as they already have the cheaper rates on the website. So the bargaining is already done and it doesn’t matter if you have a provider you prefer. You can still use the internet to get the best price from that branch, if it is more convenient. Whatever the reason, this extra information is good for us.

You can now find the best deals on car hire where ever you are in the world by using a comparison site. No need to spend your valuable time looking for local car operators numbers and spending hours on the phone talking sometimes to someone who may not speak your language. A comparison site will use software that taps into the National Companies live systems and will display the available cars and prices for you to choose from. Bottom line is that you will save money and time.

These comparison sites are ever evolving, working to make the process of booking car hire as streamlined as possible. The site will be easy to navigate providing all the information you need to complete the booking as well as offer you the ability to select any optional extras that may be required during your car rental. These may include Satellite Navigation (GPS), baby seats, additional driver and excess reduction, reducing your liability in the event of any accident. All the information is available at your fingertips, so be sure to read the Terms and Conditions applicable to the car you are planning to hire.

The global economic climate has not stopped travelers from taking their scheduled holidays. Some travelers are shortening the holiday, but overall with the airlines competing with cheap airfares people are still moving around and enjoying travel. You may find car hire rates a little cheaper due to competition and by far the best place to shop is on line for the best deals. Book early for car hire. Don’t expect to show up at a popular airport and get a bargain. You’re there, you need a car, they have the car and you will need to have the money and drivers license. So it will not be cheap. Book well before leaving home and have your confirmation with you on arrival. Remember if you are traveling during peak seasons, you will pay more for car hire, and everything else for that matter. See you somewhere in the great outdoors. Save travels everyone!

Some General Information On Car Rentals

If you are planning to take a vacation in the near future then you might want to consider driving down to the destination of your choice instead of having to spend a lot of money on air fare and other travel options. Driving down gives you a slight modicum of control over your travel plans. You can leave anytime you want to without having to keep to a specific schedule. You save money because the amount of money you spend on renting the car and on the fuel can be shared by all the people who are travelling with you. And, you don’t have to worry about ticket availability during peak season travel.

Renting a car can be a very simple process. All you need to really figure out is how many people will be travelling so that you can get a car that can seat everyone together and also accommodate the luggage that you will be carrying. Once you have this information and a certain budget thought out you can visit the local rental companies and ask around about the various vehicles they have as well as the fee that each charges. If you really want to enjoy you travel as much as your destination then you can opt for a large variety of RVs.

Comparing and contrasting the various quotes from different companies can allow you to make the most savings. If you decide to travel on weekdays and days that are not holiday dates then the prices can be desirably low. you can even get discount coupons and vouchers from printed media or off the internet to help you save a tidy sum that can be put towards activities when you reach your destination!

Search Results


Car Rental Deals – Why People Like Car Rental Deals

I know that you can relate when I say that I love to get a good deal on something. It shouldn’t take a lot of explaining why car rental deals are some of the most important things that you can partake in when shopping for a rental car. Some people will go to great lengths to find the best car rental deals that they can while others will be more willing to pay the advertised normal price. But did you know that you can just type in the name of the company you are looking for followed by the word coupon and you can find a better price. That is just one of the ways that you can get easy and cheap car rental deals.

There are many other techniques that one can use to get good car rental deals, one little known fact is just ask the company what deals they are offering at the time. A lot of agencies will have a special if you are willing to rent the car for a week, or if you are only going to have it for the weekend. Prices can vary and change depending upon the holiday season or during peak times in the summer, one can really never know how much it is going to cost to rent a car but you can also try to get the best car rental deals.

Don’t get discouraged when one company offers you a high price for a car, there are always more options than you could believe when you look for that perfect rental car for you. You also have to make a choice between two different options, let’s say for example you are on a very tight budget and you just want get the cheapest car possible than you may want to rent an economy style car and try to get the best possible deal on it, but on the other hand you also have the option of getting car rental deals in another way. You could go to an agency and request for a luxury vehicle at the price of a budget or hybrid style vehicle. You would be surprised at how many companies or agencies would be willing to make this switch simply if you ask. They may be having a special and would never have told you about it if you didn’t ask, who would have guessed?

Regardless of what deals or techniques you go after everyone and their moms love good deals so don’t let yourself charge full price for anything that you can get at a discount! I know you would rather have a luxury car instead of a budget car and drive in style, or maybe you just want to get a budget style car even cheaper than they say it is. The most important thing to learn is don’t be afraid to ask, there are many options out there when dealing with rental car deals!

Life After Death

Following my accident when I was severely burnt, my last memory was being injected morphine at Staincliffe Hospital, Dewsbury, the place I was born and nearly died; following this I was rushed to Pinderfields Hospital at Wakefield where I was to spend the most painful 13 weeks of my life.

My next memory was awakening and finding me stood in a darkened room and in the far corner was a bed, to which all sorts of electronic equipment were attached beeping away and in the bed seemed to be a person but I just wanted to get away from the place.

Strangely all the pain I had previously suffered was gone like one big nightmare, I remember in my disorientated state somehow leaving the room, into a long deserted corridor, illuminated sparsely with a few night lights.

As I approached the end of the corridor a nurse came out of a nearby staff room, laughing merrily at some joke her and the rest of the staff must have been sharing, as she turned and walked towards me I just froze, however, her eyes showed no acknowledgement of my physical presence as she passed by me.

I called out to her when she was about 15 feet past me but she showed no signs of either seeing me or hearing me, I thought this was a little weird by now, but my instincts told me to find an outside door and get away from this strange place.

After a while travelling through the maze of corridors I found a locked exit, upon trying the door to my amazement I found my hand just passed right through it and to my utter bewilderment I found I could walk right through it, I could feel no warmth or cold, I seemed to myself what I can only describe as a physical point in space that could see and hear but could not interact.

With further astonishment I now found myself perhaps 150 foot up in the air and heading through the night, below I could see the tops of the street lamps and a few cars wondering around, I distinctly remember flying over a railway viaduct and towards the city of Wakefield.

The neon sign over the nightclub called Rooftop Gardens drew me like a magnet being familiar with the place during my many nights out with my friends The Gangster and The Savage One, I must of thought in retrospect that a familiar place would relieve me of all this craziness but I was flying for Gods sake.

I came down to land near the entrance to the club in front of two of the bouncers I remembered from yesteryear I had on many occasions in the past greeted these two individuals however on this occasion they just continued their small talk oblivious to my sudden appearance from the night sky.

I paused to think and reached out with my hand to touch a nearby wall that was adjacent to the clubs entrance but my hand appeared to have no physical substance and just passed into the fabric of the wall.

It was now that the awful truth finally dawned on me… The people unable to see or hear me, The wall, The doors to the hospital, just suppose they were perfectly normal? Just suppose that it was me who had changed? What if for example I had somehow lost my ‘hardness’, my ability to grasp things, even, to make contact with the world – even to be seen?

I mean what is the point in going anywhere if as the final shreds of my rational mind pointed out if you cannot be seen, and what was that mound in that bed in the little hospital room I had left could that have been my physical body?

I didn’t like this line of thought a human being is not separated from his body unless he is dead, then what state was I in now.

It can go through doors without opening them, it can fly like a bird, it does not feel cold or warmth and remarkable these qualities are, they are no good if one cannot be seen. I decided at this point to go back to Pinderfields and see if I could reacquaint myself with my body, surely pain is better than this.

No sooner had this thought occurred to me I found myself moving at incredible speed through the night back to the doors of Pinderfields, it seems in this strange state you travel by thought alone, handy this may be but the novelty soon wears off rapidly.

Now Pinderfields is a big hospital and in my rush to get out of there I had forgotten just where I had left my body (or indeed what was left of it by now)

I just didn’t have a clue which room it was in. I rationalised that it must be somewhere in the burns unit but it was no use asking the doctors or nurses because they couldn’t see me or hear me.

After an extensive search I managed to find the burns unit and by wondering from room to room I finally found the room I had left earlier and there I was lying unconscious, wired up to an whole variety of strange gadgets.

At this point out of pure desperation for something to do, I decided to recite the lord’s prayer something I had learnt many years ago at school.

The very next moment the absolute impossible happened; a tiny pinprick of light at the side of the bed began to grow brighter and brighter, at first not noticing the pin prick of light I thought it was a tiny night light that was the rooms only illumination that was getting brighter.

But then I saw it was coming from beside the white bedside table at the head of the bed, it continued to brighten as I watched, it brightened to such an extent that had it been any ordinary light I would most certainly of been blinded.

The next moment there flooded directly into my mind the words “Stand Up… you are now in the presence of the Son of God”, whereupon out of the light stepped what I could only describe as the most magnificent being I have ever known.

Thankful at last for a little company in this strange situation I joked “That’s it! Just like that… I am with the Son of God… Isn’t there a reception area or something before we meet?”

I felt a presence of Power and pure love that was older than time but yet more modern than anyone I have ever met.

In the first stage of my experience, what I can only refer to as the earthbound state I had lost three of my senses; smell, taste and touch, however in this further stage in the light, time disappeared completely, a bit like in a dream and I was aware of all my thoughts and actions in my life up to the present day as on big whole.

Every moment in my life was recurring before me at one and the same instant as part of some enormous four dimensional sight and sound mural.

I guessed this was my life review.

But emanating from the being projected pure love, up to that point in my life I had come across much laid back always blaming anyone and everyone for the results of my actions

I also saw from a further dimension an observation of my interactions with others from the other persons point.. I also saw parts of the future which was hazy however I distinctly remember being told that a girl I had met but would never marry had an important role in the creation of my son who was very special. I saw all of my educational achievements so far were purely superfluous but it was the way I treated others that was important and I could see the consequence of my lack of interactions with my fellow students at York University (which I had luckily just graduated a month before).

I could see how the other students saw me as weird and very anti social and they tried to avoid me where possible so that they could avoid the negative effect I had on them hence leading to a deeper feeling of depression thus increasing my isolation.

An endless viscous circle that had dominated my life.

I even could see the hurt on my best friend – The Gangsters emotions when he pulled a bird called Cherelle at Rooftop Gardens, but, I had done my best to split them up by pouring a pint of lager on her head and being very rude.

The tapestry of life was in front of me and I could see how my decisions now would effect the future all of my ambitions of being wealthy and having many material possessions was regarded by the being of light with has much distaste as was my lack of enthusiasm for interacting with
my fellow men.

I could see how my life would change and where I had once sought money and possessions I now treasured simply making other peoples lives more pleasurable at the expense of my own wellbeing.

The being of light then turned to me and said via thought dynamics “Michael, What have you done with your life so far?” I replied using my mind “Why didn’t someone tell me this was what life is about?” the being replied “Somebody did nearly 2000 years ago in your linear time – me!”

I suddenly found myself on the move again, this time we didn’t bother about doors it was straight up through the hospital roof, then we flew at incredible speeds across the surface of the earth however there was no wind to slow us and just a few moments later I found myself approaching a city beside a huge expanse of water.

In the city all the streets and offices were unbelievably crowded, and I could see people passing through other people like they wasn’t there.

We walked into a factory and I saw assembly line workers who were putting together lawnmowers enjoying a coffee break while behind them a woman was pleading for a drag of their cigarette as through she wanted it more than anything in the world.

When one of the workers clearly blind and deaf to the women behind him actually took a cigarette out of his packet and began to smoke it, the woman repeatedly snatched at it but, it was as if she was clawing at thin air.

I came to the conclusion that those people must be ghosts, even though they were dead, they remained chained to the material world by the very things they had deemed most important during their lifetimes their jobs, their cigarette smoking their material possessions.

Myself and the being of light moved from city to city visiting endless places he had to show to me, in one house I remember a younger man followed an older man from room to room “I am sorry dad!” he kept saying repeatedly “I did not know it would do this to my mum – I just didn’t understand!”

The older man was carrying a tray filled with tea and toast into a room where a clearly unwell elderly lady was sat up in bed “I AM SORRY” the younger man cried in frustration over and over again but, clearly his agony fell on deaf ears.

“Why is he so sorry?” I enquired to the being of light, referring to the younger mans pleas “He committed the ultimate selfish act” said the being touching his long beard “suicide” he continued with tears welling in the corner of his eyes “and chained to every consequence of their act of cowardice they are well and truly earthbound” he finished but I knew the answer before I asked.

My next visit was back to the night club in Wakefield called Rooftop Gardens where I had visited earlier in my disorientated state, but, without the concept of time earlier and later were meaningless it is a bit like telling someone bind from birth what is like to see.

Inside the nightclub was an impossibly crowded place where I watched ghost alcoholics mingling with living drunks and whenever a drunk lapsed into a drunken stupor a desperately thirsty ghost sprang inside his body so that the two became one.

The living could be distinguished from the ghosts by a faint cocoon of light around him, however when any living being became inebriated their light cocoon faded, enabling one of the many hovering ghosts to take over their body and literally possess the person.

S horrific was the scene that the only words in my mind that could describe this was “hell”

The mingling ghosts with their eyes so set on alcohol desperately clutching at real life beer glasses had blinded themselves to the magnificent being that accompanied me – Indeed the being told me to keep my eyes firmly on him – probably he was aware of my past record.

In this world of thought far beyond space and time (Thought is a more fundamental principle than the illusion of space or time which pale into mere shadows) it can seemingly be either heaven or hell of your own making.

Earthbound ghosts destroyed by hatred, lust and destructive thought patterns find that whatever they think however fleetingly or unwittingly became instantly apparent to all those who was around him and more completely than words could of expressed it and much faster than sound waves could of carried it.

The thought most commonly communicated amongst earthbound spirits was usually selfish thoughts and this by its very act kept the being earthbound, the being it seemed felt only compassion for these unfortunate souls but he knew it was their will not his that kept them there.

I felt like scrooge in The Christmas Carol having this wise being accompany me back to the hospital for the final time, I wanted to start my life again a fresh when I would care far more about other people and not myself.

No longer would money and possessions be my supreme objective but I would live my life with a desire to make other people happy – the old Mad Mick was truly dead and the new one ready for a reincarnation.

We entered the hospital room for the final time and the image of the being and the bed before me faded – the walls that surrounded my little room at Pinderfields became solid again it was early morning and I was informed by a nurse who had come into open the curtains that it was two days since my accident.

The pain was still there but somewhat dulled by the drugs I had been given, It was to be another thirteen weeks before I was released and I had many more strange experiences in there but nothing that could be compared to the one I have shared with you all.

After subsequent research into my favourite subject Physics I have found that with the merging of two theories of the universe Quantum Mechanics and General Relativity it appears that the 3 dimensions of space and one dimension of time is in fact an illusion created by the world of thought.

Spirits who remain earthbound do eventually find that the hatred and envy are the very emotions that keep them there but wouldn’t it be easier to help our fellow human beings while we are alive.

“Lay not up for yourselves treasures on earth” Jesus…