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Tips on Purchasing Long Island Homes for Sale by Owner

When you purchase an FSBO or For Sale by Owner home, you will find this is cheaper because a realtor fee is not added to the value of the house. But before you buy such a house, you need to make the necessary research and have a plan of action so that you will obtain a good deal as well as make a good investment. Here are tips on purchasing Long Island home for sale by owner.

Set a reasonable budget for a house you will buy and the down payment you can afford. If you place more money on a house, you have a good chance of being pre-approved by your bank for a mortgage. Once a bank pre-approves you, you become more attractive to people selling their houses because they will feel comfortable knowing you seriously intend to buy a house.

Go online to look for Long Island homes for sale by owner. Visit the area and look for houses with FSBO signs. After finding a house you like, immediately contact its owner. They will then schedule a house tour for you to check its interior and exterior.

Check the house’s fair market value at the website of the county it is in. Once in the website, look for comparable homes and know their value. Check the selling price of these comparable homes. The property you wish to purchase must be in the price range of such houses. You may also go to the county’s database on the real property tax so as to check the amount the present owner paid for his house as well as its assessed price.

Such database can now be found on the internet. If this is not available, visit the office of the local assessor as they have such prices. These are important numbers because they play a big factor in getting a mortgage. Take note that banks will never lend your more than the assessed value of a property.

When buying a house for sale by owner, it would be beneficial if you have a real estate lawyer with you. He shall give you the right advice so that you will not make a wrong decision. He shall make your contracts for official purposes. After getting a lawyer, present an offer to the owner of the house. During the process, your lawyer shall help you negotiate a fair price. After the current owner accepts the offer, you should now inspect the house.

It is necessary to inspect the house so that you will see the defects it has prior to making a purchase. If you do see defects, walk away from the house without incurring penalties. If there are no defects, your lawyer and the seller shall set a date for closing.

During the closing, you, your lawyer and the house seller shall sit down together to sign contracts drawn up. The house title shall be transferred to your name and payment shall be done at this time. A good thing about buying an FSBO house is it involves fewer fees and contracts. You shall however pay your lawyer’s fees. After the property is transferred to your name, it is yours and you may then move in.
Now that you know the process of purchasing Long Island homes for sale by owner, you can decide if you would rather go for it or just get a realtor to buy a house.

For long island homes for sale this site can be a popular choice where you get various options.

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How Military Coins Started?

Military coins or popularly known as challenge coins were accidentally introduced during the World War I. It started when rich men who studied in prominent universities like Harvard and Yale, voluntarily dropped out from their term and joined the war. An affluent lieutenant ordered medallions made from solid bronze and gave one to each member of his troop.

A young pilot about to be deployed placed his military coin in a leather pouch around his neck. He wore this as a necklace. It was an unfortunate event that his plane caught fire and he needed to land in enemy lines. After crashing in the ground, the German soldiers held him captive and took all his personal identifications. They however, left the pouch around his neck, thinking it was nothing valuable.

Luck was on the young pilot’s side as the camp of the German was bombarded. He found a way to escape. He dressed as a civilian and reached a French post. During this time, the French soldiers were extra careful because some spies pretended to be civilians. They didn’t believe the explanation of the American pilot and he was lined up for execution. He, then showed his medallion placed inside his pouch. One of the French executioner recognized the medallion and his execution was placed on hold. Few hours later, the French soldiers were able to confirm the identity of the pilot. He was sparred from being executed; instead he was given a bottle of wine.

From then on, it became mandatory among American soldiers to carry their coins wherever they went. This became a means to identify them. Later on, a challenge that originated in the Vietnam War period was reinvented.

In Vietnam, a soldier presents ammunition to challenge another soldier from a different troop. If the challenged soldier could not present any ammunition, he needs to buy drinks for the challenger’s group. However, if the challenger could present any type of ammunition, the challenger would buy him drinks. This went overboard when soldiers started to carry bigger ammunitions and posed a threat. To prevent any accident from happening, military coins were used in replacement of ammunitions. It became a challenge that only soldiers understood.

There were rules followed and restrictions, like in any challenge. The soldiers were required to have the coin all the time. They can place it in their pocket, wallet or place it on a leather pouch and wear it around their neck. The restrictions were: they couldn’t deface the coin; they can’t use it as a belt buckle; the military coins can’t be pierced and worn as a necklace. The coin should always be within reach by the soldier.

The challenge came with a twist; soldiers are permitted to steal the military coin from their challenger given, the challenged is able to steal it, and the challenger has to buy drinks for the challenged.

Over the years, the idea behind military coins was adopted in other military units and by non-military organizations. Police officers, Navy men and private groups implemented distributing coins among their members. Coins were given upon membership, as a sign of appreciation. It symbolized the bond among group members.

In certain groups, designs of the coins vary according to the position of the officer or member to whom it was being presented. It was given as a form of recognition for the years and service the member has rendered.

In recent years, commercial companies such as NFL and NASCAR also made use of challenge coins. It became another form of memorabilia, which caught the interests of collectors. The numbers of collectors buying coins from military and non-military personnel have increased over the years. It created a controversial debate among coin owners. The issue whether such practice was ethical has often been argued on.

Until now, coin owners can freely sell their collection to interested buyers. Some owners opt to turn their coins into cash. However, some give more importance to their hard-earned military coins more than the actual monetary value.

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Simple Steps to Employee Engagement

Employee engagement promotes unity and taking action towards achieving an organizational mission. It’s a daily strategic challenge to carry out. An engaged team of employees is always well-informed and prepared to cope with change. Leaders must focus on completely getting all their team members involved and sharpening their creativity to be prepared for their goals. To do this, they should have strong social skills to effectively nurture employees.

Career Opportunities
The first step is to offer career advancement opportunities to employees. Career advancement not only drives them to be engaged, but it also helps in employee productivity and retention. For some of them, it’s not necessarily about promotion but getting a hand on special projects and having the opportunity to work with other people within the company to generate the necessary improvements. Every employee must have a personal growth path to follow no matter how they define their “career needs.”

Feeling Valued and Heard

Employees should also know that they are valued and heard. They must always be given a chance to express their opinions in program development. Employee engagement entails giving opportunity to everyone to impart their ideas and to ask questions to clarify things. Managers should see to it that employees are part of the decision-making process. They should make the employees feel that their feedback is valued and their voices are heard.

Employee Goals and Business Goals

Managers must also prioritize making the employees understand how their accomplishments contribute to the company’s growth. Employees must consider their own work significant. They would be more satisfied when they hit their goals if their work is related to their own motivations inside.
Recognition Program

Leaders are sometimes just trying too hard to recognize their employees. A simple “good job” and “thank you” may come a long way if often mentioned and right on time. Employees who receive this kind of recognition are motivated to do better. This always begins with leaders setting performance expectations in advance and teaming up to reach the objectives.

An important aspect of a recognition program is that the awards must be directly related to the company’s business strategy, leadership standards, values and culture. It’s important that the rewards are meaningful for employees. The program must also be communicated well to everyone at all levels, managers and employees alike. Employee engagement is evident if the company properly communicates their programs to get everyone involved. Feedback from employees about the program can improve the process, therefore ensuring a credible assessment procedure.

It is recommended that companies hold an annual corporate awards event related to their business goals. Simple monthly recognition programs may also be implemented. The category each month may vary according to the current business goals.
Employee Wellness

Allowing employees to take some well-deserved time off is another key to ensuring employee engagement. Attendance is a crucial factor in having a successful career but employee’s home life and health must always come first. Well-rested and healthy employees who feel valued would show more vigor and less stress in their work.

Work and Results Ownership

It may be hard at times for managers to draw a line between “staying close” and “being involved.” The simple way to do it is to ask employees to tell their superiors when they are crossing the line. Managers must be aware what their employees are doing and help them instead of hindering their work. Employees, on the other hand, must know how much ownership they have in their task and its results.

These factors are specific to a certain workplace. These would allow them to give their efforts and drive toward increasing employee engagement, which would naturally increase productivity and innovation.

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The Etching Methods of PCB Fabrication

One of the methods performed for PCB fabrication is etching. It is the chemical process of taking out the excess copper from the plated board. A mask should be placed in order to avoid removing the parts of the copper that need to stay after the etching process. These parts that stay on the plated board are the remnants that hold electric current between the devices.

In PCB fabrication, there are various techniques to prepare the plated board before going through the etching process:

1. Direct Draw

The direct draw etching technique makes use of a resist pen to manually draw the circuit. It may also utilize dry transfers or specialty tapes where the users can layout their circuit traces right onto the board’s copper surface. The pen method depends on the water resistant attribute of the ink and the imperviousness of the plastic tapes both prevent the etchant from reaching the copper underneath. Thus, aside from the copper around the layout, all are etched away. This is actually the fastest method of transferring a circuit pattern to the plated board. The downside of this technique, however, is that it is hard to accurately place the traces, particularly when IC packages are used in the design. In addition, because the ink does not apply evenly, there is a threat that the traces are going to be etched away considering that the etchant can reach the copper. Making a mistake would mean having to start all over again. This is why direct draw method can only utilized to make super simple, low-definition printed circuit boards.

2. Photographic

Most professionals recommend this etching method for PCB fabrication. In this process, a board is coated with a resist substance that sets up whenever subjected to Ultra Violet light. To be able to produce this kind of board, the user need to create a positive ultra violet translucent artwork film of the opaque layout where a circuit trace should appear, and clear where a circuit trace should not appear. As soon as the positive photo film is constructed from the artwork, stick it onto the refined board, and expose it to the ultraviolet light. This light passes through the clear sections of the film and programs the photo resist. Then, immerse the board into a special fluid that develops the film and take out the refined photo resist. The remaining resist takes the form of the artwork that presents the circuit. The good thing about this approach is that it is more accurate and the traces are neat. Plus, the artwork film can be reused again and again to produce more boards.

It is definitely impossible to obtain a good quality board without having good artwork. For this reason, it is crucial to attain the best quality possible during this period. To be able to achieve this, it is essential to have a clear sharp picture with an incredibly solid unintelligible opaque black.
These days, PCB fabrication artwork will, more often than not, be drawn using either an appropriate sketching or graphics package, or a unique printed circuit board CAD program.

The artwork should be printed in such a way that the printed side comes in contact with the surface of the PCB when exposing. This is to prevent getting blurry edges. In practice, this signifies that if the user makes a design for the board as viewed from the opposite side, the solder side layer needs to be printed the ‘right’ way round. The top side, on the other hand, of the double-sided board should be printed in a mirror manner. The quality of the artwork in PCB fabrication is extremely influenced by both the media used as well as the output device.

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Why Motivational Speakers are Effective

There is always something in human nature that gravitates towards beauty, truth, and purpose. Discontentment and unhappiness set in if aperson does not get his fill on all three. His life has to have a sense of purpose or direction. His life has to have beauty and meaning. He must also know certain truths in order to understand life and the world. In the absence of one of these, he will feel that he was born to suffer—to suffer in his meaninglessness, ignorance, and squalor.

It is easy to feel that life has no purpose or meaning. It is also easy to find ugliness in the world. Working eight to ten hours a day doing the same thing over and over can always make one feel the aimlessness of life. However, businesses require tasks to be done according to what they require. Employees are therefore always required to do what is asked and assigned. A majority of people in the rank and file may find it demoralizing that they have to do the same things over and over when perhaps new technology can be devised to take their place. The task may kill their creativity and dull their intelligence if it is too repetitive and does not require intellect.

Even members of management may feel the same way if the procedures and protocol do not call for their initiative and participation.
Low morale in the workplace can be very contagious. If it spreads, people lose their focus on their work. Some may think of leaving their jobs. Others will be in despair thinking of their unfortunate fate. A work environment with such low spirits will mean low productivity and quality. Once this is identified, companies must act to lift the spirits of its employees, otherwise, the business will suffer.

Companies benefit a lot from hiring motivational speakers to boost the morale of their employees. Motivational speakers are effective in doing this.

Here are the reasons why:

They give them hope.

It is too easy for employees to feel stuck in their present jobs and career paths. Doing the same job over and over again for years may start to feel that one is not getting any progress. However, motivational speakers will tell employees about the power of compounding. If one has served over the years and has endured stressful situations at work, that person has more in terms of knowledge, experience, and character. Therefore, although a person may feel stuck, he is actually a work in progress—ready for bigger things.
Theytell employees that there are many ways to grow. They encourage employees to do their jobs excellently because it stretches them and they become more capable of taking greater responsibilities.

They radiate positivity.

Motivational speakers radiate positive energy. They tell their audience that they too can have it if they think positive thoughts. They explain that thinking positive thoughts mean counting one’s blessings and having the faith to overcome problems. Some speakers even appeal to religious beliefs to bring home this point. In order not to be overcome by negativity is to have faith that problems and even misfortune can be overcome.
They emphasize altruism.

Corporate culture is tough. There are companies where aspirants to climbing the corporate ladder believe that to succeed will mean eradicating their competition and enemies at all costs. One must be tough enough to ignore or quiet his conscience in order to fulfill his dream. This creates an environment that is rife with tension and conflict.

Motivational speakers are very good at emphasizing that in order to succeed, one must give what one wishes to obtain. Therefore, if one must climb the corporate ladder, he must also help and lift others to climb it. They bring back the faith that ethical practice, in the end, still wins.
They are truly excellent in empowering and motivating employees. They teach people to look for the beauty and purpose in their lives. They also remind people of certain truths that seem to have been forgotten.

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Portable Storage Container has Downsides: Why Own or Rent it Anyway?

Although having a portable storage container brings a lot of benefits, there are also some downsides in owning or renting a metal storage container. It is best to know what these drawbacks are before closing a deal. It is always a good thing to know first the things to expect and see if you can still get more benefits than disadvantages.

A Number of Downsides

Rust is the number one enemy of any metal (except stainless steel) and it is the foremost foe of metal containers. You need to make sure that your metal container receives the right care and maintenance to keep it free from rust invasion. You need to apply a special treatment that will help keep the moisture off of your container to prevent rust from occurring. Always make it habit to check for possible signs of rusting and don’t waste a single second and quickly remove the rust. Your immediate and fast response can hinder the rust from invading the other areas of your container
A portable storage container is impossible to move using your bare hands because it is exceptionally heavy. If you buy or rent one, you need to make sure that the area where you want to put it is the most suitable spot in your property. Your container will be delivered to you and the company where you have rented or bought your container will employ some help from a lifter or other equipment to put your metal container on your designated spot. If you want to change the location of your container after several days, you’ll have to hire the services of a company that can do that for you and it could be costly. To avoid such trouble, find the perfect place for your container where you can be satisfied.
A metal container is way more expensive than a container made of plastic having the same size. Metal is more durable than plastic and a lot of things were needed to accomplish just to produce one metal container. Metal containers can get even more costly due to the treatment that must be applied to them to prevent rust from forming.

Is it Still Worth Renting or Owning a Metal Container?

Despite the cited downsides, the portable storage container is more economical in the long run. A plastic container won’t last for so long regardless of the amount of time you spend in making sure that it won’t get damaged. Wear and tear will eventually get to it. Plastic can become brittle and will eventually break. Plastic melts and you can’t be certain when an untoward incident like fire might occur and melt your plastic container together with your important belongings.

Metal containers, on the other hand, can withstand most forms of torture whether by nature or man-made. You only need to keep moisture out to prevent rust from emerging.

It offers better security than plastic containers. There are metal containers that come with a special security feature which is impossible to install in plastic containers.

You can rent a metal container on the spot when you need one or you can buy one if your budget permits. Most container providers don’t allow a rent-to-own option.

Things that you can do to your Metal Container

Aside from keeping your things safe and liberating your house from clutter, you can use your metal container for other purposes. You can turn your metal container into a hobby room where you can work on your scrap book, painting, and other things. At the end of the day, you don’t need to worry about tidying up the area if you have no more time to do that. You simply lock your storage container and you don’t need to worry about your work or materials and tools.

You can even turn your metal container into an extra room next to your home; just remember not to make any modifications if you are only renting your container. You can make alterations if you already own the container.

All things have their own advantages and disadvantages. Luckily, the advantages that a portable storage container gives are too precious to let go. In the end, it is still worthy to have a metal container around.

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What to Expect from Woven Custom Lanyards

Many of those who have tried ordering custom lanyards may have encountered being asked about the specific type of lanyard that they want. If you are interested in buying one, then note that your choice should be dependent upon your preferred fabric, clasp and the type of printing method that you require. In this article, the focus will be on woven custom lanyards to help you understand what to expect if you order it and what uses it is ideal for.

To begin with, woven custom lanyards are not actually printed. The letters and the design are instead woven into the fabric so that it becomes a part of the material itself. Because of this process, woven lanyards have several advantages and disadvantages. Starting with the advantages, the designs on woven lanyards last longer. It will only fade as the fabric starts to fade. Since the letters are not printed or stamped on top of the fabric, you will not see them peeling off after several months of use. This makes woven lanyards suitable for people who use it for outdoor purposes, like employees who must wear their identification cards as they do some field work.

Second, woven lanyards are ideal for bold designs that work best for companies that need to have their names seen clearly on the face of the lanyard. The method used in creating woven lanyards is quite similar to the one used when making an embroidery and as such, small images and designs will be difficult to create. Lanyard makers know this limitation and they convey this instantly when customers order the woven type. They do not want to end up getting complaints about certain designs not showing up clearly on the finished product. However, if they see that your design is a name, in bold letters, with a simple logo, then they will be confident to suggest that you go with woven custom lanyards.

One disadvantage of woven lanyards is that the opposite side of the fabric will not display the proper image, but instead its inverted view, similar to how it will look like when facing a mirror. The colors will be inverted as well. For example, if you use white for the font and blue for the background, the reverse side of the fabric will show blue for the font and white for the background. This is really normally a trivial matter unless there are strict branding rules that must be followed within the company that intends to use the lanyards. If such rule is not present, then there will be no problem with this minor issue. Besides, the loop of the lanyard will be designed so that the lanyard will sit around your neck with the right side of the fabric facing out.

Another disadvantage with woven lanyards is that if your design includes a diagonal line, expect it to come out as jagged rather than straight. Again, this is a limitation that is inherent with the weaving process. With newer methods, however, this is hardly noticeable but still do not expect to find a perfectly straight line.

Today, you can choose between smooth or rough woven lanyards. The difference between the two mainly lies on the texture of the fabric and the design. You can expect finer details with smooth woven lanyards. Still, it cannot weave very intricate designs. In fact, as a rule, woven lanyards work best with bold fonts and minimalist design.

Now that you know what to expect with woven lanyards, you will know exactly if this is applicable for its intended purpose. Knowing its limitations and strengths can help you make a wise decision to ensure that you do not waste your money on the wrong customized lanyards.

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A Buyer’s Guide On Buying The Best Golf Putters

Among all the clubs that one uses for the game of golf, the golf putters can be considered the most important clubs, that is, in relation to scoring. Why? They can mean a win or a fail for a player. Therefore, when buying your putters, do not just settle on any kind of putters. Be wise and follow this buying guide, so that you will have the best putter for you. After all, it is your score that will be affected in the process.
What are the factors that you should consider?

1. Length of the golf putters – Considered as the most vital component, make this your priority concern when buying putters. Why? The length of the putters would get you into the correct address position. What is the correct length? The shaft should be in line with your forearms, not too short or too long.

2. Weight of the golf putters – The swing weight is also an important aspect of consideration. This could be remedied by buying a putter that has the ideal weight. What is the recommended weight? The head weight of a 35” putter usually weighs around 330 grams. If you need a 32” or 33” putter, the ideal head weight that you need to find is at 370 to 380 grams. Still, weight is a personal preference. Some players prefer the lightweight while others perform better with heavier weight.

3. The balance point – What is this? This will affect your choice of stroke. Meaning, if what you want or need is a square-to-square stroke (a stroke that is straight back and through), then what you need is a face-balanced putter. However, if you want an arc stroke (a slight curve travel by the stroke), then what you need is a toe balanced putter.

4. The design of the head – One can choose from the numerous shapes and sizes of golf putters. So, which is which? This will be more of your preference and not anything else. Is your preference a mallet head or a blade head? That is entirely up to you. Your kind of strokes could also help you decide in this area. For instance, if you like an arc stroke, then the blade putter with no sight line is for you.

5. Anchor of the putter: your belly or chest – Tremors or “yips” are common among golfers. This is not a problem because one can solve these tremors by anchoring the putter either in the belly or chest to stabilize it during a stroke. Again, what is vital here is the height and weight of the putter. To make it easier, find the perfect length and weight for you first and then add the additional length of the chest or belly. If you do not have yips, then you can just consider the conventional putter.

6. Price – Of course, you want value for you money. However, you are aware that this game is considered as an expensive hobby and so, you also expect a costly putter. Therefore,you would sometimes doubt a low-cost putter that feels right when you hold it because of its price. The real score is this: it is not always about the price. One can have golf putters that are of good quality yet are also reasonably priced.

The challenge during the moment that you are purchasing is the great variety of putters to choose from. There is only remedy to this. Try them all. You are after the “feel” of the putter. You would know that it is the one for you when it fits like a glove or, more appropriately, when the putter feels right.

Smooth and steady golf putters gets the ball drops into the hole in a better way.

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by Dr. Radut