Friday, April 25, 2008

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Preparation Checklist for Hiking in South Africa


The comfortable backpack and a good water bottle are absolutely essential and comfortable strong shoes are also very important. The weight of your backpack (packed) may not exceed one third of your body weight.

Hikers must be fairly fit and should definitely get exercise before any hiking trail. Don't carry too many things with. Everything, even the smallest item, must be as light as possible.
Your backpack should always be packed to keep the load as close to your centre of gravity as possible. This lessens the "backward pull" you get when the bag is incorrectly packed. Pack as illustrated in the diagram above.

Bible (one group member can pack a small Bible)

Permit and a map of the route

Pencil and paper

Whistle

Plastic bags to use when raining

Sun glasses (Optional)

Camera, binoculars, mobile phone (Optional)

National tree or bird list (Optional)

Other important items:

Matches (try to get waterproof matches)

Small torch with new batteries

Pocket knife and tin opener

Plate, mug and spoon

Water bottle

Candles

Soap

Crockery

Tongs

Container to shake powder milk in

Cloth, dish washing detergent

Gas-stove and gas-lamp (see that you have enough extra gas)

Food (make your own selection):

A hiking trip's menu should always come to terms with personal taste and preference, although you should look at the following: Taste, nutritious value, is it filling, lightweight, prepared easily and is the cost reasonable?
One way of planning meals on a trail is to join with one or two more people and plan a joint menu. Everyone doing their own thing, or one person doing everything, (unless he/she is a qualified chef) can result in chaos - Gerald Crawford

Rusks

Instant soup and sauces

Any breakfast cereal or muesli

Salami

Dried fruit

Biltong (dried meat) and "dro? wors"

Nuts for e.g. peanuts and raisins

Sweets (Super C's or Vita C's)

Chocolates

Powder cool-drink (Game or Clifton)

Fresh fruit (Oranges and Apples)

Cheese wedge's and Yoghurt

Pro-vitas

Eggs or powder eggs

Tin meat (Bully beef or Vienna's)

Dried mince (Dried in a microwave)

Instant potato for e.g. Mash potato

Tin tuna, sardines, Vienna's and meat

Vegetables (Carrots and Onions)

Dried vegetables (Pick 'n Pay)

"Meal in one" or similar meals

Fresh bread rolls

Jam, Syrup and butter

Meat can be used on the first night

Smoked and vacuum-packed meat

"Rooster koek" mix

Instant milk pudding

Woolworths ginger cake

Emergencies:

Vaseline lip-ice

Sun tanning lotion

Bandage and plasters

Mercurochrome

Headache tablets

Voltaren (Ointment that loosens your muscles)

Mosquito lotion (Tabard)

Antiallergic medicine

Malaria tablets (for trails in Malaria regions)

Plaster, bandage and an ankle/knee guard

Clothes:

Cap or sunscreen

Two sets of light clothes

One sweater and/or a warm jacket

A tracksuit for sleeping

Walking shoes with thick woollen socks

One short pair silk stocking

Slip-on's or light shoes for use after the days walk

Swimming suit and towel

Rain coat (Big plastic refuse bags can also be used)

Sleeping bag and small pillow

Washing-line and clothes-pegs

Needle, string, scissors and extra lace

Requisites:

Soap, wash cloth, toothbrush, -paste and Shampoo

Lip-ice and eye drops

Light towel and washcloth

Comb or brush

Mirror

Toilet paper (sometimes it is not provided)

Other:

Remember everyone doesn't have to carry everything with, groups can divide items among each other.

Gerald Crawford was born in South Africa, studied electronics, telecommunication, eco-travel and african travel concepts. He taught responsible tourism in South Africa. If you have any questions or comments please e-mail me on. E-mail Address: southafricantravelarticles@12234455.co.za Website Address: www.12234455.co.za



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Online Checking Accounts Versus Walk-In Bank Accounts

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As I have noticed, all the banks with online setup for checking and savings, have new “no minimal setups” and “no minimal deposits.” I have to say, the setup goes smoothly and you do not have to hand anything to a half wit and hope they do not fumble your investment money. You just make sure that you do not screw it up. I have been charged 27 times for overdraft fees that never actually happened, 8 of them at one time. This set me back quite a bit of money, $216 to be exact. It all came out o

Thursday, April 24, 2008

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Legal Check List for Buying a Property in Spain



Use the following legal check list to help you through the process of buying a property in Spain. We should stress that the list is not exhaustive, but covers most of the issues that concern property buyers. Before embarking on the purchase of a property in Spain we strongly recommend that you take the advice of a Spanish solicitor.


Does the property have a building licence?


Your purchase contracts should include the details of the planning approval.


Confirm that the certificates, from the Architect and the Town Hall, have been obtained for the completion of the building (Certificado de Fin de Obra) and the Licence of the first occupation (Licencia de Primer Ocupacion).


Ensure that your purchase contract refers to all the above licenses and that all necessary fees have been paid and that this fact is reflected in your contracts. Also make sure that all the registration details are included, the especially the Finca number.


Your purchase contract should include the total size of the plot and the total constructed area of the property plus terraces (all in square meters).


If you are buying a property off-plan then make sure that Developer/Promoter has a bank guarantee in place (this is actually an insurance policy paid by the Developer/Promoter in your favour). This protects the funds that you have paid in the event that the Developer/Promoter cannot complete the construction. In this situation, the insurance company will pay for their completion or refund your payments.


Confirm the details of your share of the costs of participation in the Community of Owners Maintenance and ensure that these are included in your contract.


The Developer/Promoter or current owner is responsible for all debts on the property, up until the date of the signing of the deeds (Escritura) and handing over the keys.


If you don't wish to use the mortgage facility offered by the Developer/Promoter, you must obtain confirmation in writing that you will not incur any costs associated with this.


Make sure that it is clearly stated in the Contracts that you are only responsible for the costs of preparing and registering the title deeds (The Escritura) for the Sale & Purchase of the property, and that you are not liable for the costs of the segregation of the land or the declaration of the new building.


Before signing the purchase contract you must obtain a copy of the 'Nota Simple', a document from Land Registry proving that the person you are buying from is the registered legal owner of the property and that there are no mortgages or encumbrances on the property from any third party.


Obtain a list of costs of for preparing and registering the Title deeds (The Escritura) and the calculation and amount of property transfer tax (Plus Valia Tax).


Confirm the amount of any Community Fees.

About the Author


Gary Smith is a father of three children and lives in Spain. Gary regularly writes for the Spanish Property Experts http://www.inSpain.tv He has lived in Spain for a number of years and his articles provide an insight into expatriate life in Spain.

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Wednesday, April 23, 2008

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A Review Of The Smart Page Rank Page Rank Checker











 

A Review Of The Smart Page Rank Page Rank Checker

Submitted By: Brian Garvin And Jeff West iSnare Expert Author
 
 















An indication of how well a website is doing across the Internet is the way it is ranked. Some websites do better because they have been optimized for search engines or present information that is in high demand. Other websites do not do as well because of poor optimization or the content is more personal than public. The Smart Page Rank rank checker program gives website developers and owners a way to monitor the progress of their site.


When used, Smart Page Rank will estimate the value of the website and will check to see if the current rankings are valid or not. It also checks the ranking using both the ?www? at the beginning of the URL and without out. If the checker is updated, customers using it will be sent an e-mail notifying them of this update.


Multiple datacenters are used to validate the page rank, and the software also shows owners what their rankings are on Alexa and how many DMOZ and backlinks they have received. Users can add a small button to their site that shows the page rank and the service is absolutely free.


If a user was to enter a domain name on the Smart Page Rank website, they will receive a report that shows them all of the above information. It lists the sites and IP addresses that it validates the websites rankings, and tells the user what the page analysis was.


The information on the website also includes how old the site is with the date of launch, an Alexa traffic graph, how many backlinks there are and on what sites they are on (such as Yahoo, AltaVista and MSN), and what the current monetary value of the website it. The value of the site and the ranking can be added to the website itself with the html code that Smart Page Rank provides.


Smart Page Rank also provides a backlinks analyzer. This tool will give the user a list of all the places their site has been backlinked too including no follow and anchor text information if it is applicable. By using this tool, owners can find out how strong the links are and if they are being effective in promoting the website itself.


There are other search engine optimization tools available on the Smart Page Rank website. Some of these include: the ?whois? analyzer which gives the domain registration information; a domain name checker for new users to verify if the name they want to use is available; a bulk page rank checker that lets the user validate up to ten websites at a time; and a multiple datacenter page rank checker that let?s the user check their sites ranking on up to sixty-seven Google centers.


Smart Page Rank also offers users a blog site with many different articles and commentaries regarding how pages are ranked across the Internet and what owners can do to get their sites to score higher. It also has a comprehensive article on what page ranks are and how they are determined by Google, including a nicely depicted formula. There is a ?contact us? section so users can get more information for the software?s developers and additional html coding for buttons that can be added to the website in excess of the ones mentioned earlier.











About the Author:

You can read our Unbiased, expert review of articles such as Claire Murray from Brian Garvin and Jeff West at http://www.MLMreviewKings.com. This article may be used royalty free provided bio & links remain intact. Copyright ? Mission Billion, Inc. All Rights Reserved Worldwide




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Sunday, April 20, 2008

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Home Remodelling Loan And Checklist Before Picking A Home Remodelling Loan.



On one weekend, a Saturday in particular, I decided to attend a seminar on home remodelling. I Usually prefer to call it home renovation. It was basically for the elderly people.


Am not in the elderly bracket but I decided to attend anyway because I was feeling a bit lonely and wanted to be occupied. On looking around the room, I saw that most people were in my age group.


Think it is because they have to meet most of the cost for refinancing the renovation of the home of their old ones.


This seminar turned out to be good to me and at the end I was convinced it was a good take.


In this seminar, it was revealed that research so far shows this:
It will probably cost anywhere from $100,000 to $150,000 to do a good renovation of a house for the elderly. This seems a staggering amount, until you consider that it would cost them from $3,000 to $5,000 per month if they were to rent a unit in a retirement facility in a location where they might not be as happy. Looking at it from that point of view, in four years or less, they would have spent the money anyway, and at least making home improvements allows them to continue to live in the same location and keep their asset.


The biggest challenge many older adults face when renovating their homes is how to pay for them. Many are on fixed incomes with few resources. Their property may have increased in value, but they are cash-poor.


During this seminar, a flyer was distributed that provided a telephone number for the city and county Elderly Affairs Division Rehabilitation Loan Program. Many cities have similar funds available as a means to assist individuals to stay in their own homes, rather than move to more costly facilities.


I learnt that the loan program was available to a person or family requiring home modifications, based on a health or safety need. The home loan program required that an application be submitted with information about the number of persons living in the household and their combined annual income. This information was then used to determine the interest rate for the loan. For example, for combined incomes of less than $41,000 or so, the interest rate was 2 percent; for less than $52,000, 4 percent; and so on.


Another thing I learnt is that you can also have an option, which is that of a reverse mortgage. A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her own home into cash. The equity built up over years of home mortgage payments can be paid to the owner, but unlike traditional home equity loans or second mortgages, no repayment is required until the borrower no longer uses the home as the principal residence.


Reverse mortgages are available through different lenders, as well as HUD. There are some property restrictions, but single-family homes, two-to-four-unit properties, condominium units, townhouses, and some manufactured homes are eligible. Generally, the greater the value of the home, the older the owners, the lower the interest rates, and the more one can borrow. This is good news right now, with interest rates so low, and it is an opportunity for your patients who have a higher annual income that disqualifies them from other programs. And if they live in an area of the country where land or home values are traditionally higher, such as Hawaii or New York, it may be the best option available for refinancing.


Given the sheer amount you have to invest or borrow, here is a checklist before you decide on any renovation project.


Consider the following before you decide how to finance your home improvement project:


-Talk to lenders about your options.


- Know that lenders are concerned about income, debts, credit history and property value.


-Consider a secured loan when you want to borrow more money, get a lower interest rate or reduce taxes.


-Refinance an existing loan if you have enough equity and if the rates are two points lower now than when you initially borrowed the money.



-Use a home equity line of credit that is secured by your home so you're your interest is tax deductible.


-Take out a home equity loan to get fixed rates and payments.


-Consider a homeowner loan that is secured by your property. Use a value added loan when the improvement you make will have a substantial impact on the market value of your home.


-Do your research before using contractor financing.


Good Luck


Get more information on home loans and home remodelling by Lubowa.M.Planet. Visit Home Loans and mortage website.

About the Author


Get more information on home loans and home remodelling by Lubowa.M.Planet. Visit Home Loans and mortagewebsite.

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