The game of golf is steeped in history. Golfers are appreciative of the game's history, and enjoy learning about the great players of the past, and the memorable tournaments. Just watch any major championships on TV: there are always segments about prior championships pla[censored] on that course, who won, and what were the memorable shots. Golf's long history also presents the opportunity for an interesting and potentially lucrative hobby, collecting vintage golf equipment. Displaying vintage clubs or balls can add a lot of interest to any golfer's home.

Just as anyone who appears on PBS' Antiques Roadshow program can attest, it is tremendous fun to try to find bargains in antiques, and vintage golf equipment is no exception. Vintage golf items are relatively easy to find, and pursuing this hobby can be a way to learn more about the history of the wonderful game of golf, and how equipment has evolved and improved down the years. It's fun to grip an old hickory shafted club form the '20's, set down a gutta percha ball, and imagine trying to actually play with this type of equipment! You quickly gain greater appreciation for today's forgiving clubs and juiced up golf balls.

As with any other form of collecting, there are pitfalls, however. You need to make sure items you are buying are authentic vintage equipment, not fakes or replicas. For instance, new clubs can be distressed to look antique. If you are buying items with signatures from great players, you need to make sure the signature is authenticated. These types of collectibles, if authenticated, can enjoy great price appreciation over the years.

You can of course search for vintage golf equipment online. The mega store eBay has an extensive "Vintage" golf equipment section on their site, often with more than 1000 items. Golf collectibles are not necessarily just clubs from the late 19th or early 20th Century. The original "Ping" putters from the 1960's are highly sought after collectibles. Items bearing the signatures of greats such as Ben Hogan or Byron Nelson also fetch hefty premiums. Prices for vintage equipment can start very reasonably, $20 $50, and be as high as several thousand dollars for certain rare items.

There are also online sites devoted exclusively to golf collectibles.

Antique Golf Clubs from Scotland describes itself as "the leading online resource for antique golf clubs and memorabilia from Scotland, the birthplace of golf. http://www.antiquegolfscotland.com/antiquegolf/main.php3

Niblickgolf.com offers clubs and balls from the 1900 1930 period, obtained from a private collection. http://www.niblickgolf.com/antique.html

A vintage driver runs around $125, a Mashie (5 iron) is $95 and a mesh patterned golf ball in good condition is $75.

Before beginning your acquisition of vintage golf equipment, you should do some research. An excellent guidebook is: Antique Golf Collectibles: A Price and Reference Guide (Paperback) by highly respected golf collector and publisher, Chuck Furjanic. This book includes comprehensive information on literally thousands of collectibles: antique clubs and balls, autographs, signature golf balls, artwork, medals and trophies, as well as trading cards and other collectibles. With more than 500 photographs, this book is fascinating to read as well as an important price guide for would be collectors.

A few other tips: 1) Try to find items in as good a condition as possible. These are more likely to hold their value or appreciate. "Vintage" doesn't mean in beaten up condition. 2) Putters are among the most po[censored] r collectibles. 3) When you begin collecting, stick with equipment items, clubs, balls, vintage golf bags, etc. rather than golf artwork, which requires more study in order to make informed decisions.

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An FX option with no intrinsic value is considered "out-of-the-money," an FX option having intrinsic value is considered "in-the-money," and an FX option with a strike price at, or very close to, the underlying FX spot rate is considered "at-the-money.". Like the forex spot market, the forex options market is considered an "interbank" market.

Therefore, even if a speculative profit is achieved because the foreign stock price rose, the investor could actually net lose money if devaluation of the foreign currency occurred while the investor was holding the foreign stock (and the devaluation amount was greater than the speculative profit). An exchange rate (let us say, 30 Denars to the DM) will be stated in the policy.

As time goes by, the private sector may step in and supply its own insurance against devaluation . The Forex market is a truly global marketplace where billions of dollars are traded everyday. Marginal trading is simply the term used for trading with borrowed capital. It will encourage foreign financial institutions to give loans to local firms once the risk of re-payment problems due to a devaluation is minimised.

The most common way of expressing it is by Price Currency. The foreign exchange options buyer pays a premium to the foreign exchange options seller in every option transaction. And yet the latter (US$) is still the highest with its 89% rate of world transaction, which dwarfed the rest to the fraction left. As a side note, arbitragers are investors that take advantage when interest rate differentials between the foreign exchange spot rate and either the forward or futures contract are either to high or too low. Nevertheless, it is important to note that anyone that is a beginner in the field of investments should pay close attention to details here.

It will encourage foreign financial institutions to give loans to local firms once the risk of re-payment problems due to a devaluation is minimised. These are: that the movement of the market considers all factors, that the movement of prices is purposeful and directly tied to these events, and that history repeats itself. Just like the buyer, the foreign currency option seller has the choice to either offset (buy back) the foreign currency option contract in the options market prior to expiration, or the seller can choose to hold the foreign currency option contract until expiration. Nevertheless, it is important to note that anyone that is a beginner in the field of investments should pay close attention to details here. International commerce has rapidly increased as the internet has provided a new and more transparent marketplace for individuals and entities alike to conduct international business and trading activities.

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Everyone wants unique and stylish furniture for their home and looking online will lead one to some of the best furniture stores in the city today.

The internet has truly been a blessing for people for some time now. The internet has been developing from the day it was established as a small connection of networks and today it has become a large network that connects all parts of the world. Today one can find information on anything and everything under the sun on the internet. The internet is not only used to source out information but also to avail products, services and the best deals and offers. One can buy products online and have the items delivered to one's doorstep. If one wants names of some of the best furniture stores in New York City, then using the internet one can avail this information within a few seconds. The entire process does not take too long and the information availed through the online search is reliable and accurate.

One can get the names of the stores that sell the most unique and stylish items of home furniture and furnishings in New York City by searching the internet. Most of the well-known and po[censored] r furniture stores in cities like New York have today taken their operations online. All the best stores are bound to have user friendly and well-developed websites, which speak volumes about them, display their products and present ways for clients to reach them. Today all the businesses want to be accessible to their customers because the customer is the one who either makes the business or breaks it. If the customer is happy then he will keep coming back to the store in future and he will recommend the store to others he knows. Therefore, it is important for any business to work on and develop good customer relations and to keep the customers happy and satisfied no matter what.

A furniture store is also a business and one can find some of the best furniture stores New York City today online. A click of a mouse button and one can browse through a furniture store websites, looking at the furniture pieces and furnishings. One can even compare the kind of furniture and home furnishings sold at one store with those sold at another by visiting the websites of the other furniture stores at the same time. With the internet, this is very much possible and the clever customer today is doing just that. He is comparing products and services between several stores and deciding to go with the store, which offers him the best deal.

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There are many reasons why a ghost (the soul of an individual who has died) would be drawn to a particular person, home or area and not all of them are negative reasons. Ghosts often gravitate toward energies and types of environments that are familiar to them. Because ghosts are most often mired in some type of despair, they are consistently drawn to environments where typically there is some type of stagnant energy present. You don't have to live in a dilapidated, haunted house to attract a ghost into your home, some of the nicest homes in the world will attract a ghost.

There are several things you can do to lift and protect the energy of your home and office which will lessen the chances of having ghostly visitors.

1. Smudge Your Home Every Week - Smudging is the process of burning sage and other herbs to purify the energy of a room, a building or even an individual. To properly smudge, open a window in the room you are clearing. Light the end of the smudge stick and begin to walk around the room, moving the smudge stick in the areas of the room that feel thick, negative or uncomfortable for you. As you smudge you want to hold the intention of clearing away all negative energies. You also want to say your intention out loud; perhaps something along these lines, "Clearing away all negative and stagnant energies. Surrounding us in the love, protection and prosperity of God." Smudging is an absolute necessity after conflicts and heated discussions, and after guests' visits and parties or gatherings.

2. Burn Candles with an Intention - After you smudge you want to burn a few candles, and infuse each candle with an intention. For example, you might say as you light a candle, "I intend for my house to be filled with love and kindness." Burn black candles to dispel negativity and burn white candles to infuse purity and protection. This will raise the energy of any room. Candles and smudge sticks are available at my website, Their Way Home.

3. Clean Out the Clutter - Everyone has a little bit of clutter in their busy homes, but too much clutter (particularly the kind that never goes away) creates a chaotic, stagnant vibration that can affect your ability to think clearly. Ghosts love chaos and stagnation because it reflects how they feel. They feel right at home around it. Schedule a couple of days every so often to organize your home and office. And never, ever store boxes of 'stuff' under your bed. It will ruin your sleep and can potentially give you bad dreams. Put chunks of rose quartz under your bed instead. It will surround you with love and sweet dreams.

4. Keep it Clean - Clean your home and office (dusting, vacuuming, etc.) at least once a week. Dirt and grime, aside from being unhealthy, also creates a sad vibration of chaos and confusion in your home.

5. Visit Every Room Every Week - If you live in a small home this probably isn't a problem. But if you live in a larger home, you may have noticed how the rooms that aren't used regularly can take on a stagnant and uncomfortable feeling. These empty rooms are another favorite haunt for ghosts. Try placing a living plant in these rooms so you'll have a reason for visiting these areas every few days or so.

6. Open the Windows - As often as the weather permits, open up a window and let the fresh air flow! Fresh air helps to take away negative energies and helps to raise everyone's state of mind. If you're sensitive to pollen and pollution, open the windows only when the pollen counts are low or nonexistent. Also consider investing in an air purifier and an ozone machine for better air quality whenever you need it.

7. Get Rid of Furniture You Don’t Like - If you detest the dining room table you inherited from great aunt Betty, donate it to Goodwill or sell it on eBay. Being around furniture and 'things' you don't like in your home creates an energy pattern of resentment - another favorite energy pattern for ghosts.

8. Keep Gemstone Crystals in Your Home - Genuine Gemstone Crystals such as quartz, amethyst, celestite, labradorite, agate, tourmaline and many others go a long way to lifting and protecting the energy around them. Quartz literally purifies the energy of any room. And amethyst helps to transmute negative energies to positive ones. The best place to find great rocks at great prices is at any local rock show. Search the web to find out when one is coming near you.

9. Wear Gemstone Crystals - Wearing authentic gemstone crystals is a very effective way to lift your own energy, which will in turn help lift the energy of your home. Wearing quartz crystal can help purify your energy as well as the energy of the environment around you. Onyx gives calming strength and Chalcedony quiets chaotic emotions. Any gemstone jewelry is a wonderful touchstone throughout your day and is particularly supportive to you in a contentious situation.

10. Keep Salt Lamps in Your Home - Salt lamps are most often made from the salts found in Himalaya. Just like the salt water of the ocean, the protective nature of a salt lamp purifies the energy of any room. They also help to mitigate EMFs from televisions, computers and cell phones and they've been known to help migraine and allergy sufferers.

Melissa Van Rossum is an accomplished psychic, empath and author. Her life's work is to help people realize their dreams by finding their Divine Guidance. Their Way Home shares stories of her encounters with ghosts, who searched her out to guide them home. To learn more, visit All You've Ever Known and Their Way Home.http://www.driverswiki.net/ASUS/
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If you're investing in real estate as a source of income, or to turn a profit, one of the most important formulas you'll encounter is the capitalization rate on a revenue producing property. If you're an experienced investor, a lot of this is going to seem old hat, but to show how all the pieces fit together, we're going to have to cover everything carefully.

The first is an acronym, NOI or Net Operating Income. Net Operating Income is a subset of the more commonly used terms "EBIT" and "EBITDA". EBIT is "Earnings Before Interest and Taxes" and EBITDA is "Earnings Before Interest, Taxes, Depreciation and Amortization". For the most part, we can treat NOI as a synonym for EBIT, and since NOI is the term most commonly used when evaluating income generating properties, we're going to use it instead of EBIT. As always, this sort of advice is meant to give you a layman's perspective; do talk to your financial advisor about this.

NOI can be characterized as "Are we turning a profit yet?" It's a very simple calculation – take the money that's coming in, subtract the routine operating expenses (like rents going out, utilities, maintenance costs that accrue monthly, and salaries) and what's left over is your positive cash flow, or net operating income. This does not take into account interest payments on the debt used to secure the property, or the pinch from taxes. A more formalized accounting term also deducts depreciation and amortization of fixed expenses; while those are important if you're holding on to the property for income generation, from the perspective of someone considering the purchase of a property.

When evaluating commercial properties for purchase, NOI is one of three critical evaluation criteria. In general, you want to buy properties that have a low NOI and improve them if you want to turn the property over quickly for a reasonable profit in a short period of time. If you're looking at doing a "buy and hold" strategy, of owning rental property for the purposes of generating regular income from it, you'll want one with a good NOI, preferably one that can be improved for a little bit of investment and improvement.

The next criterion to consider is purchase price. Purchase price is market driven. It's what the seller (or the mortgage broker) is trying to get for it, based on similar properties in the region, or on physical features of the property. In the current real estate market, the asking value price is particularly volatile. Take the sale price of six similar properties, throw out the high value and the low value, and average what's left, and be sure to check this regularly – update this metric at least once a month.

For commercial or revenue generating properties, there's also a third metric to consider, capitalization rate. Capitalization rate is a measure of the ratio of annualized cash flow (NOI) divided by the purchase price of the property. For example, if you're looking at buying an apartment building with 16 apartments, each of which generates $600/month in rent, and has fixed monthly costs in salaries and maintenance budget of $4,000 per month, the net annual income at 12 out of 16 units occupied is (600*12= $7,200-$4,000) or $3,200 per month. Multiply this by 12, or a net annual income of $38,400, for an average occupancy of 75%. If the purchase price of the property were $400,000, the cap rate is $38,400/$400,000, or 9.6%.

Cap rate provides a "reality check" on requested purchase prices; for most of the US, typical income property cap rates range from 3%, for properties with high tenancy values and steady income generation, to upwards of 12-13% for run down properties in bad neighborhoods. If you assess the current value of the leases signed by tenants at a presumed cap rate of 7-9%, you'll get a good bellweather on how sane the asking price of the property is.

For example, the property we mentioned above, that generates $38,400 in annual income at 75% occupancy, divided by 0.08, has a "cap rate" derived baseline price of $480,000. It's example asking price of $400,000 is actually pretty low based on typical market conditions. On the other hand, if the asking price were $700,000, with a cap rate of 5.4%, it's probably not something you're going to earn out on quickly as a buy and hold property, though you may be able to pursue a buy and re-sell strategy with it with some success, if there are obvious improvements that can be made to improve tenancy, or justify rent increases.

While Cap Rate, and deriving an income based cap-rate "asking price" are useful, remember that all three factors – Net Operating Income, purchase price, and cap rate are all intertwined variables. Look for things like seasonal renting patterns; for example, properties near college campuses bring new tenants in with the ebb and flow of semesters. If you're looking for a "buy and hold" strategy, properties near college campuses can be quite worthwhile, albeit prone to a bit more maintenance woes than might otherwise be the case. If you're looking for a "buy and sell" strategy, look for properties that can be fixed up, and use the cap rate and NOI calculations to find properties that are undervalued by the market.

Whichever strategy you pursue, remember that patience pays for itself in real estate investment. The aim is to make your money work on your behalf, by buying properties that either generate an income for you to live off of, or by buying properties that can be turned over within a year or so of capital improvements.

Tony Seruga, Yolanda Seruga and Yolanda Bishop of http://www.maverickrei.com specialize in commercial and investment real estate. As of May, 2006, they and their partners are managing over $600 million dollars worth of new projects.http://www.bestpcfixer.net/ is an amazing website for you to fix dll not found error. Read More: http://www.bestpcfixer.net/
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