Kalmia Records Blog

The Summer is creeping away here in Calgary. On my ride in this morning the temperature was right at freezing so the nice easy schedule of riding in to work and home will be over sooner than I would hope. Now is the time of year that all of those outdoor activities that keep you in shape so easily are going to come to an end in the northern latitudes.

What will you do about it?

Most people have a bad habit of fluctuation exercise. In the Spring you get sore from exercising outside for the first time since the fall and your body hates you for it, but you endure it and workout through the Summer and in the Fall and Winter get almost no exercise again and have your weight float up a few pounds hoping that you can lose it again next Spring. I will be giving tips all Winter for staying in shape but this is a good chance to look at what you should start thinking about right now.

First prioritize your exercise schedule for the Winter. It may be tougher to work out but of course you can do it if you work out the days and times you will be working out. Most of all be realistic. The best times to workout are early morning before you get caught up with the issues of the day and after work if you have a stable work schedule. If you push dinner out a bit you may be able to either workout right after work before dinner or else get an hour in while watching one of the many great TV shows that eat up our Winter nights.

Next figure out what you want to do this Winter for exercise. A few years ago my family (actually my wife and I, the toddlers had no say in it) bought a good treadmill and exercise bike and then each Fall we go out and replace one of the items and lose a bit on the trade-in but at least have some great new and new to us equipment to keep us interested in the Winter.

Lastly make sure that you have a good mix of exercise. One or two pieces of fitness equipment may not be enough to keep you motivated is make sure you plan on skating, skiing or climbing stairs in an office building to supplement your exercise this Winter. If you can find local fitness events that you can take part in. There are a lot of different leagues in the Winter be they hockey or curling or badminton and volleyball.

One great tip for exercise equipment is to have a running log of your distance. This would be floors for a stair machine or actual miles on a treadmill, bike or elliptical trainer. Using a map it is fun to keep track of the distance that you have covered and you can even try to go city to city with goals in between over the course of the Winter.

Bill Nadraszky is a lifelong fitness nut. His fitness ramblings can be found at http://www.nadraszky.com/fitness and his fitness site is found at http://health-fitness.xptechsupport.com

For the last five years the 8 Inch Flexi Dong has remained amongst the top selling sex toys for Doc Johnson. It’s success is based on the products versatility and low price. The ideal dildo for those lonely nights home alone. This sex toy would also be a brilliant initial buy for any individual who does not yet own such an aid. Men of all orientations also have fun with the 8 Inch Flexi Dong. This toy is the great new addition to any ones collection. The 8 Inch Flexi Dong is designed for stimulating both female erogenous zones.

The manufacturer behind the 8 Inch Flexi Dong, Doc Johnson are considered the most widely recognised and liked businesses involved in the design and production of dildos. They are distributors for numerous different well established vibrators such as the American Super Dong and the Sensual Bender. Doc Johnson are known to be cost competitive, so you can purchase your double ended dildo knowing that you are never likely to see a a cheaper buy elsewhere.

The soft construction of the 8 Inch Flexi Dong allows for penetration at angles that are almost impossible during normal intercourse, making it possible for you to discover fun new found enjoyment and previously un-found erogenous parts of your body. Not only is it fun but, the 8 Inch Flexi Dong is made with safe acrylic, so it is genuinely quite safe to have fun with. The 8 Inch Flexi Dong comes with a free hi-octane vibration super booster, this is a sex aid of top standards. This dildo is supplied in lots of widths, lengths and colors. The 8 Inch Flexi Dong has wonderfully crafted gnarly bobbles, which will help raise your your evening enjoyment to into another league.

Over the years, there have been countless numbers of people getting exercise with the use of weights and weight machines in an effort to increase strength and muscle size. They know that training with resistance is the only way to accomplish this goal.

All too often however, after a certain period of time, their progress seems to come to a halt. Suddenly they find that they can’t add any more weight to their exercises, even by 1 or 2 pounds without their repetitions going down.

Often when this plateau is reached, it is just assumed that they have reached their maximum ability in strength and from there on out they perpetually continue to do the same exercise routines using the same weights and the same amount of repetitions.

Well this plateau not only can be overcome, it can be shattered! The first step is to understand why this plateau occurs. When you exercise with resistance and progress by adding small amounts of weight each week to each exercise, at some point (usually between 3 to 6 weeks), you will reach a point of approaching overtraining.

At this point your muscles simply can not progress because they need a period of rest for full recovery. This is where intensity cycling comes in. Once that plateau is reached, you need to take one full week off and not exercise with weights at all. After your week off, reduce the weights used for each exercise, and keep the repetitions the same as you were using so you will not reach fatigue.

This workout should be done for around 2 weeks, then start progressing back to where you were when you hit your plateau. You should take about 1 to 2 weeks to get back to using the weights you were using for each exercise when you hit your plateau after the 2 weeks of light workouts.

If you take this 3 to 4 week cycle after your week off, the recovery time your muscles will have had will allow for you to progressively add more weight to each exercise than you were using before you hit your plateau.

Now keep in mind that this cycle will eventually come to another plateau, and you will once again have to take a week off, and then begin another 3 to 4 week recovery cycle. By using this method you can make good gains in your exercise routine that will really add up in the long run.

Now while this sounds like “periodization”, there is actually one difference with “intensity cycling”. Periodization is where you start with an exercise routine of light weights using high repetitions, then after 3 to 4 weeks you increase the weights used and reduce the amount of repetitions and even the rest periods between sets and the rest periods between exercise days. Essentially you continue to vary the weights, repetitions, routines, and rest periods every 3 to 4 weeks to prevent the muscles from adapting to one weight and repetition scheme.

With intensity cycling, whether you are on your all out cycle or your recovery cycle, you always stay with the same repetition schemes and also the same rest periods between sets and the same amount of rest days between exercise days. You also stay with the same type of routine throughout both cycles and the same routine for repeated cycles. Intensity cycling is excellent for muscle gains because if you exercise all out all the time, it will always end up in overtraining.

Have you ever experienced a dull ache or sharp pain in your shoulder or upper arm? Maybe you are unable to sleep on one side because your shoulder wakes you up at night. Perhaps, you have discomfort reaching behind your back to tuck in your shirt or grab your wallet. If so, you may be suffering from a rotator cuff injury.

Rotator cuff injuries, such as tendonitis, bursitis and tears plague several people in our population. The rotator cuff consists of four small muscles, which form a sleeve around the shoulder and allow us to raise our arm overhead effectively. These muscles, consisting of the supraspinatus, infraspinatus, teres minor and subscapularis, oppose the action of the deltoid and depress the head of the humerus (upper arm) during shoulder elevation to prevent impingement.

The most commonly injured muscle is the supraspinatus. It is responsible for initiating and aiding in elevation of the arm. If torn, the individual typically experiences persistent pain in the upper lateral arm and significant difficulty raising the arm without compensatory motion from the scapula (shrug sign). The hallmark signs of a tear are nocturnal pain, loss of strength, and inability to raise the arm overhead.

However, acute tendonitis may also present with similar signs and symptoms, as pain can inhibit motion and strength. Yet, symptoms associated with tendonitis normally respond to rest, ice, anti-inflammatory medication and therapeutic exercise.

Rotator cuff tears are most common in men age 65 and older. Tears and/or injury are typically related to degeneration, instability, bone spurs, trauma, overuse and diminished strength/flexibility related to the aging process. However, youth are also at risk for injury if they are involved in repetitive overhead sports, including swimming, volleyball, baseball, softball, tennis, gymnastics, etc.

Many people can function adequately with a torn rotator cuff provided they have a low to moderate pain level. The primary reason for performing rotator cuff surgery is to alleviate pain rather than to restore function. It is common for post surgical patients to lose some mobility/range of motion. Strength recovery is dictated by the size of tear, quality of the torn tissue at the time of surgery, time elapsed between injury and repair, and the surgeon’s ability to recreate the proper anatomical relationship.

It may take up to 18 months following surgery to completely recover, although most people return to normal activities of daily living in 3-6 months. On the contrary, tendonitis usually resolves within 4-6 weeks, depending on the management of the injury.

The key to avoiding rotator cuff injury is performing adequate conditioning prior to stressing it with vigorous activities. Many weekend warriors try to pick up the softball, baseball, football, etc. and begin throwing repetitively and forcefully without properly warming up. In addition, they are not likely to condition before the season like competitive athletes.

This often leads to excessive strain on the rotator cuff and swelling. The inevitable result is soreness, especially with overhead movement or reaching behind the back. The act of throwing is the most stressful motion on the shoulder. The rotator cuff is forced to decelerate the humerus during follow through at speeds up to 7000 degrees/second.

Without proper strength and conditioning, the shoulder easily becomes inflamed.
Since the rotator cuff muscles are small, it is best to utilize lower resistance and higher repetitions to sufficiently strengthen them. Sample exercises include theraband or light dumbbell external and internal rotation exercises, which can be performed at various degrees of abduction.

Other common exercises include forward elevation to shoulder height in the plane of the scapula (scaption), press-ups, prone dumbbell horizontal abduction with external rotation, and diagonal arm patterns with bands, weights or medicine balls. In addition to cuff specific exercises, it is also important to strengthen the muscles around the shoulder blade. These exercises include wall push-ups with a plus (rounding shoulder blades), shrugs, rows and lower trapezius exercises.

Finally, it is important to note some precautions with general exercises routinely performed in health clubs. I recommend the following suggestions to prevent rotator cuff problems:

• Avoid lat pull downs and military presses behind the head, as they place the shoulder in a poor biomechanical position encouraging impingement.

• Do not lower the bar or dumbbells below parallel with incline/flat bench press for the aforementioned reason.

• Refrain from using too much weight with lateral shoulder raises. This exercise increases the load on the shoulder to 90% of the body weight, so there is no need to use heavy weight. It is best to maintain an arc of movement slightly in front of the body with lateral raises to decrease stress on the rotator cuff, while avoiding elevation above 90 degrees.

• Specific rotator cuff exercises can be incorporated into upper body workouts. Perform 2 sets of 15-25 repetitions for each exercise. These exercises should be done no more than three times per week to avoid overtraining.

Brian Schiff, PT, CSCS, is a respected author, physical therapist and fitness expert. For more information on his e-book on resolving rotator cuff pain, visit http://www.rotatorcufftraining.com. This article was originally published in Business First Columbus, Ohio in 2004.

Copyright © 2004 Brian Schiff

It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.

Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.

Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. Both banks and brokers have their strengths and weaknesses. Many of these fees are fixed but some can be negotiated.

Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. Some will quote you precise, competitive rates 11 percent. Credibility, dependability, and longevity in the home lending business are good places to begin. To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. So how do you find a lender or broker you can trust’ And of course, each loan and each borrower are different. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 5 percent. In other words, the mortgage is a security for the loan that the lender makes to the borrower. Different lenders charge different fees. Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 10 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. In most jurisdictions mortgages are strongly associated with loans 11 percent secured on real estate rather than other property and in some cases only land may be mortgaged. See which lenders are charging fees 3 percent and for how much.

Translated it means: Woon je in Noordwijkerhout of Raalte en heeft u BKR codering’ Lenen met een BKR notering is nog nooit zo gemakkelijk geweest. Koop een andere woning met geld lenen zonder bkr toetsing, 175469 euro is geen obstakel om te financieren. Van Dantumadeel tot Neder-Betuwe, geld lenen met zonder BKR registratie gaat hier altijd.

Although most mortgage experts say that rates 5 percent are pretty much the same wherever you go, give or take this tiny 5 percentage. But others will claim low rates to bring in customers or tell you that the rates 3 percent offered by competitors will change.

Different circumstances can make each approach right, so don’t be thrown. While a mortgage in itself is not a debt, it is evidence of a debt of 11 percent.

The solution to keeping kids amused and occupied on long car rides can seem as elusive as the perfectly placed pit stop.

Parents of even the smallest of infants will find the perfect travel toys to keep them amused and stimulated in between naps. The irresistible Whoozit Activity Spiral wraps around most stroller and car seat carrier handles for on-the-go fun. A baby safe mirror encourages self-discovery, a hidden rattle reinforces cause-and-effect play, and the pull-and-release ball under the Whoozit makes a delightful jiggling motion that stimulates developing motor skills.

Does your baby love to reach for little toys and give them a good shake - before throwing them under the front seat? Well, Lamaze Garden Bug Foot Finder and Wrist Rattle Set is your solution to keeping those toys and rattles off the car floor. These baby-soft wrist rattles and foot finders slip around wrists and onto feet. Let baby grab and shake to her hearts’ content - while developing hand-to-eye coordination skills! Bright patterns and faces encourage discovery while fun sounds reward exploration.

Now baby can “drive along” just like mom or dad with the Beep Beep Baby Soft Driver by IQ Baby. This colorful, soft activity toy features a steering wheel, key, gear shift - even a cell phone! The colors and contrasts stimulate baby’s visual development, while the baby safe mirror promotes self-recognition. And with all the squeakers, rattles and ratchet sounds, your baby will be kept amused no matter how long the car ride is!

For quiet moments, try keeping an assortment of CD’s to soothe your young ones to sleep on the road. For example, Dreams and Lullabies by Markus is a collection of old favorites like Brahms’ Lullaby and new favorites-in-the-making like the dreamy Angel on my Shoulder.

LeapFrog can make traveling with kids seem like a walk in the park. The Little Touch LeapPad allows your baby to interact with classic stories like Guess How Much I Love You, while the My First LeapPad is perfect for your pre-schooler to learn letters, numbers, shapes and other fundamentals while reading and interacting with engaging stories and familiar characters like Bob the Builder and the Wiggles. You can even coax the Game Boy out of your 4-8 year-old’s clutches when you hand him a Leapster! Boys and girls have a blast reinforcing essential math and language skills while playing games and reading stories with their favorite characters like Spiderman, Junie B.Jones, and Spongebob Squarepants.

Electronic games are sure to be a hit with your school-age travelers. Remember 20 Questions? The the hot new game, 20Q - a small, handheld electronic genius that can guess what you are thinking in 20 questions or less! Just think of any object and answer “yes” or “no” to each of its questions as they appear on its LCD screen. Will 20Q guess your answer? About 95% of the time it will - wow!

Another backseat favorite is MadLibs by Excalibur Electronics. Based on the wildly popular series of activity books, players create the craziest, funniest stories by choosing from a list of nouns, verbs, adjectives, and adverbs - or by writing their own. The wackier the better!

Perhaps you have a passenger who is an aspiring chess master. Travel chess sets are a great way to improve your chess game on the road, and the Excalibur Chess Station is the grand champion! This full featured travel unit has an LCD screen - no small pieces to lose - and boasts a 1750 tournament rating with 73 power levels from beginner to advanced. It even has a teaching mode and a series of opening play challenges to sharpen your traveler’s skills. Once you have arrived at your destination or returned home, Excalibur Chess includes a game board and chess pieces for traditional play as well.

So your teenager thinks he knows it all? Test his Quiz Quotient against the New York Times Quizmaster from the famous Noodle Nudger of the NY Times online quiz game. Featuring over 2200 questions in 280 topics, this multiple choice format travel game is perfect for either the solo player or a minivan full of kids (and adults!) to match wits against each other.

Pen and paper games are also essential activities for traveling with kids. Klutz has discovered a new use for your vehicle’s drink-holder - how about Klutz Books in a Cup in either Green or Orange `flavors’? For ages 8 - 10, this unique collection of puzzles and games comes in a reusable container, complete with a pencil and a lid, that fits neatly into a cup holder for easy access and storage. Combine this with the Klutz Kids Travel Book and you have the ultimate backseat survival kit. This super high quality book comes with a built-in clipboard, 100 page notepad, 47 page activity book, and a conveniently attached zipper pouch full of markers, yarn, dice, string and more! Mazes, Cat’s Cradle Loop and instructions, Hidden Pictures, Parcheesi Board, License Plate Bingo and Classic Song Lyrics are just a few of the activities included in this Parent’s Choice Gold Award-winning travel activity kit.

What’s a road trip without a great selection of tunes? Your traveling tots will enjoy Raffi or Disney. For songs in the car that even Mom and Dad will love, check out A Child’s Celebration of Rock and Roll featuring original artists like Bill Haley and the Comets, the Coasters, Bobby Darin, Johnny Otis, Shirley Ellis, and Richie Valens. Modern hit-makers, including Sarah McLaughlan. Billy Bragg, Tom Waits, and the Barenaked Ladies, provide new takes on old childhood classics (and some new ones!) on For the Kids. This alternative-rock CD is perfect for traveling with kids of all ages - even those too-cool tweens who think they have outgrown kids’ music!

You’ll be surprised at how easy your next road trip will be!

Lisa Bronart is freelance writer and homeschool mom and always on the look out for cool stuff for kids- neat travel toys can make a long trip shorter for everyone!

http://www.mastermindtoys.com

As the price of oil and electricity continue to increase, many homeowners are hoping for divine intervention. Some homeowners however are considering the installation of the solar cells that will allow them to channel the energy of the sun to provide energy for their houses.

When energy prices were low, it was often difficult to justify the upfront cost of cash required to install solar panels, solar water heaters and similar equipment. The reason was simple to understand - it would simply take too long to recoup the cost of the equipment in the form of lower energy bills.

The recent rise in energy prices changes this dynamic quite a bit, however. As energy prices continue to go up, the amount of time required to recoup the upfront cost goes down. In addition, a number of state and local tax incentives make it even easier for homeowners to go solar and save money right away.

Photovoltaic systems have also come a long way. The costs of installing solar panels is still high, with a typical two kilowatt installation of OVR Solar solar panels costing about £10,000 / ($20, 000) in most cases, but special tax incentives and long term energy savings can help homeowners recoup those upfront costs faster than ever before.

For example, the Federal government provides homeowners with a tax savings of up to 30% of the cost of a solar unit. This tax savings can help eligible homeowners recoup some of the costs of installing solar panels and solar water heating systems up front, in addition to the energy savings they will enjoy down the road.

Any homeowner considering the installation of a solar system should be sure to check with his or her state and city to determine what types of tax breaks are available. It’s sensible to look into what help your local authorities are willing to provide. Just Google it to find out what help is available to you.

Breakeven point for your outlay may seem far away at today’s prices - but what about at tomorrow’s? However, as the prices for heating oil, gas and other forms of traditional energy continue to soar, the appeal of solar energy will only grow.

Take the first step to energy self sufficiency with OVR Solar.

When shopping for a used car, it is important to select one that best fits your lifestyle. For example, if you live in an area that is prone to harsh winters with a lot of snow, a 4-wheel-drive will likely be a good choice. However, these automobiles use more gasoline than a compact car. So, if gasoline consumption is at the top of your list for concerns, a smaller automobile may be the best option.

When you purchase a used car, it’s also important to understand the varying cost of insurance. Automobile coverage for an SUV, for example, is more expensive than a smaller vehicle. The same is true of a sports car, which will likely garner an increased cost of insurance.

The next thing to consider is the style of the used car. If you have children, a van or SUV may be the best way to accommodate everyone comfortably and still have plenty of storage space. If you are single and just want to have a reliable mode of transportation, a smaller car will more than suffice.

If you plan to travel often or will be adding a lot of mileage, your best bet would be to find a used car with the lowest mileage possible. Another selection will include the choice of either an automatic or manual transmission. What about doors? Do you a prefer two or four door automobile? This is an option that most people don’t really think about right away, but it is an important one nonetheless. A four door used car is very convenient for loading luggage or groceries and it also makes it really convenient for passengers to climb in and out of.

When it comes to interior, car owners will have the option of selecting from cloth and leather. Each has their benefits and drawbacks, so which one is right for you? Leather is excellent when it comes to cleaning up spills, but fabric interior is more susceptible to stains. Leather is often very hot to the touch on sunny days whereas fabric interior is comfortable even on the warmest day. Both will show tears and require their own method of maintenance.

When searching for the perfect used car to fit your lifestyle, carefully consider the cost before deciding to purchase. Monthly payments can be high even on a used car, so think about the budget and what you can afford prior to signing on the dotted line.

Find more about used cars market and how to find the used cars value including tips on how to serach for certified pre-owned cars Vegas.

Craps is the casino game that everybody is curious about. It’s big and looks complicated, and when people are winning, it’s the loudest place in the casino. Like any casino game some luck is involved in winning, but the flexibility and choices that craps players have allows them to position themselves to play aggressively when the dice get hot.

One of the things that makes craps so interesting is that you can interact with the game according to your own strategy. You can set goals that might be completely different from the player next to you but you both can be winning. Once you understand the basics of play, you can become like a gymnast, who can move backward and forward on the balance beam. If you choose, you can put all your moves together and devise a routine.

An avid sect of players employs the power pressing craps system. Power pressing is the general term to describe playing craps in an aggressive manner that steadily increases the size of bets. House money (money generated by winning bets at the casino) is the preferred source of money for fattening the bets. It is classic reinvestment of profits.
The “power” in the term power pressing refers to the determination with which bets are increased. The player will rarely receive any change after a number has won because all the winnings are reinvested in the bet. Some power presses even require that the player chip in a few more bucks in order to achieve the next desired betting level. Power presses can be done to one number or multiple numbers at the same time.

To distinguish between regular old pressing and power pressing, think of pressing as speeding a bit on the highway when you are late for work. Power pressing is more like automobile racing. You want to draft behind the car in front of you and build as much momentum into your system as possible before swinging out ahead and making the big win.

In order to begin power pressing, you need to have one or more place bets. Place bets are the most suited to power pressing because they win the first time the number rolls, unlike come bets, and the player has the option to reclaim the entire bet.
Now that you have some place bets in action, you can begin power pressing. The following scenario will serve as an example of the power pressing technique.

Basic Six and Eight Power Press

The six and the eight are the most common numbers to attempt to power press. This is because, after the omnipresent seven, the six and eight are the most common rolls and therefore the numbers amenable to rolling repeatedly. Having your place bets win two or more times is key to successful power pressing and winning.

1. You start with $6 bets on the six and eight. Your initial goal is to achieve $12 bets on the six and eight after only one win on either the six or eight.
   
2. The six rolls while the bet is in action, and the $6 place bet wins $7.
   
3. You say “press the six and eight” and GIVE THE DEALER $5.
   
4. The dealer will take the new $5 injected into the system and put it with the $7 payoff, which equals $12. This will become the new $12 bet on the six. The original $6 on the six will be added to the $6 on the eight and thereby create a second $12 bet on the eight. If the eight rolled instead of the six in this scenario, the same things occur.
   
5. So far, you have invested $17 (original $12 bets plus the $5 for the power press) and have $24 in action. The next time the six or eight rolls, you will be paid $14. Now your investment has been recouped except for $3, and the next win will be pure profit of $11. Winning the $11 relies upon sixes or eights rolling three times without the seven rolling when the bets are active.
   

This scenario was taken from the book Get Dicey: Play Craps and Have Fun. The book, written by a former Las Vegas craps dealer, contains more power pressing descriptions as well just about every thing else about craps. Remember, the key to maximizing winnings is making bets bigger while you’re winning.

Tracy Falbe is the author of Get Dicey: Play Craps and Have Fun published in 2005 under the pen name Tracy Michigan. Falbe worked as a craps dealer in Las Vegas in the mid 1990s and based her how to play craps book on thousands of hours of live game experience. Get Dicey is available from Falbe Publishing and other booksellers. An excerpt from Get Dicey can also be read online.

If you’ve owned real estate for the last two or three years chances are you feel like a financial genius. In many areas real estate values have climbed to dizzying heights.

I hope you have resisted the temptation of easy money home equity loans. If so, you’re now sitting on a big, fat profit. It may have entered your mind that the big run up in real estate prices could be nearing a peak and those values could come barreling down. Oh no! That would mean your big, fat profit could become thin as a rail in a New York minute. That kind of financial weight loss you just don’t need.

This article is not meant to promote the idea that we’ve all experienced the effects of a real estate bubble and that inevitably that bubble must burst. That could be the case, but honestly, who really knows? But if a reversal is ahead, what can you do to avoid watching the value of your home plunge and your equity profit vanish?

Across the country, in the real estate markets that have been the hottest, some homeowners are selling and temporarily moving into apartments. They feel that they are selling at the peak of the real estate cycle and it could be years before they ever have a chance to sell for as much profit as they can get now. They just could not tolerate doing nothing and then watch a major decline in their net worth.

Their thinking is that over the next 24 months or so, interest rates will go up. If interest rates go up one or two percent many people will be priced out of the home buying market. That means less demand for homes and less demand means lower prices. That and other factors could result in falling home values. They want to pull their big profit out now, bank it and wait for prices to fall.

As real estate prices move to the lower end of the cycle, these sellers will then buy another home. In a way this will allow them to have their cake and eat it too. One of their choices will be to buy a home equivalent to the one they sold, but at a lower price. In this case they can allocate the remaining portion of their profit to other investments.

Another option will be to use all of the cash they received from the sale of their original home to buy a more expensive house.

Still another choice would be to sell and take their money to another area where real estate prices have not skyrocketed and buy a much nicer home. Family and employment obligations prevent most people from doing that.

What could go wrong with any of these plans? Home prices could just continue to climb. Then these sellers would be left sitting on the side lines, unable to even afford the house they just sold. Even if home prices just stayed flat without declining, they would still be stuck. The cost of an equivalent home, plus buying expenses would exceed the profit they earned from the sale of their original home.

The other challenge to their plan is what to do with that big, fat profit once they had it hand? Can they find a safe investment that could earn more than real estate? Due to the effect of inflation the buying power of the cash would diminish every day if they just sat on it.

Finally, you can do as most home owners certainly will. Nothing! That’s fine as long as you have not refinanced all of your equity out of the property. Then if values drop you will be “up side down”. That means you will owe more on your mortgage than the home is worth. That thought may scare some home owners into selling just to get out even.

Now that you’ve come to the end of part one of this article you are ready for the perfect solution to this potential situation, right? You certainly are an optimist. Sorry, not enough room here for solutions.

About the Author: To read more on this author Mark Walters invites you to Click Here for Part Two.