6 Advantages of Hiring the Professional Plumbing Services

Plumbing is not easy and it is not a kind of work that can be done by just anyone. It involves the repairing and installation of variety of taps, pipes, washers, valves and lots of other things. So, it is very important to hire the professional plumbers because they have the skills and the training which is required to carry out these kind of tasks very effectively.

1. The professional plumbers are able to provide you the quickest service. When you are facing the really big problems then it becomes very crucial to hire a person who is able to fix the problem in a short period of time. For example; if the tap of your sink is leaking too much and the water from your sink is overflowing then you will really have to find a person who can fix your problem immediately.

2. Sometimes the issues may appear very simple. However, in reality they can be very serious and might get more complicated if you try to fix them by yourself. So, it is important to call a professional plumber because they know how to identify and fix the root cause of the various plumbing problems.

3. As we know that the professional plumbers have a good knowledge about each and every part that could be related to their profession. They know the right type of parts that can be used in fixing any kind of issue. Therefore, if any plumbing part is not available in the market then they know that which part can be the best alternate to the original.

4. When you hire a professional plumber then you are able to get some advices about the plumbing system of your home. This will be very useful especially if the network of water pipes of your home is quite old. The expert plumbers are also proficient to give you the different kind of useful opinions about your house.

5. You can also get some advices on the latest parts and products that are available in the market. This will definitely help you to save a lot of money that the old products or fixtures may be costing you. For example, you will get a lot of relief if you install the latest water heater instead of an outdated or old heater which is increasing your electric bills.

6. If you hire an expert professional plumber and you are satisfied with his services then you can call him without any kind of hesitation whenever you face any kind of problem. In other words the professional plumbers are capable to establish a trust and bond by providing their excellent services.

It is very essential to hire the professional plumbing service. But before hiring any plumber do not forget to check the testimonials and referrals that other people have given to the plumber. In this way you will get an idea about the skills and experience of the plumber.

What Is a "Look and See Trip" – And How to Prepare For It

A “look and see trip” (or look-see trip) is a service that is some times provided by companies to singles or families that are moving abroad on an expatriate contract. The purpose of this trip is for the individual or family to see, feel and experience the country and region that they may be moving to in near future. Companies will provide this service only to those who have already agreed beforehand to being flexible and open to such a move. Before flying out to your new destination, you will be contacted by the relocation company working together with your firm to discuss your personal needs and wishes in regards to your future life in the host country. Your particular needs may, for example, include an apartment close to the office or close to the airport, as you will be a frequent traveller in your new position, or it may include a house with three bedrooms and close proximity to an international school of high standards. Your personal wishes may include an ocean view and an apartment close to shops and nightlife, or maybe a swimming pool in the yard and a mall with a supermarket close by. Whatever your needs and wishes consists of, it is important that you do your research beforehand, so that the relocation agency can assist you in the best way possible. Don’t hold back when it comes to expressing your wishes. The more details you can give, the better chance the agency can help with pinpointing your ideal home in the future.

If you are a single person, it will likely be relatively easy for you to find a convenient time to fly out to your future destination and visit your potential future office and explore housing options. If you are part of a family moving abroad, you will need to find a time for travel that is not only convenient for all members of the family, but that will also allow you to visit all the necessary facilities, such as, for example, daycare or schools at the right time. A trip planned during school holidays may not portray an accurate picture of an area, as the amount of traffic can be quite different from it’s usual daily buzz, construction work may be halted temporarily, and daycare and schools may be closed down, or the premises will be running on half-empty.

A typical look and see trip lasts a week. Upon your arrival at your destination, or soon thereafter, an agent from the relocation agency will meet with you at the hotel, or the place where you are staying, to discuss the program of the week. This program is naturally based on the needs and wishes that you have expressed previously. However, if misunderstanding have occurred, then now is the time to correct these before wasting any time seeing things you are not really interested in seeing. The agent will be eager to show you as many things as possible in as little time as possible. If you feel that the program is too overwhelming, do not hesitate to cut down on the programmed activities. Just keep in mind that there will only be one look and see trip!

A standard look and see trip program may look like this:

Welcome package (including brochures of attractions, list of helpful websites, etc.)

Country presentation, cost of living, cross-cultural tips, historical information about your host country.

Home sampling (min. 4-5 housing options)

Visit to daycare or schools (if applicable)

Visit to car dealers and information about car ownership (if applicable)

Familiarization tour, including supermarkets, malls, restaurants, banks, sport centers, etc.

The look and see program usually operates on a half day basis, giving you some free time to do some exploration of your own. You can use this time to visit tourist attractions and shops, or to simply stroll around your preferred area to get a proper sense of the place. For those who are tormented by jet-lag, a well-earned rest after a hectic day may be the top priority!

If you don’t have the option or time available for visiting your future host country, then you can make your own look and see trip by surfing the internet, reading relevant books, looking at films and images from your future destination, and talking to people who have lived there. Thanks to the vast information available to us these days through the internet, chatrooms and satellite images, etc., it is indeed possible to acquire a very good feeling and idea of a country or place that we have not yet visited in real life.

Traveling Wilburys’ Biography and Top 10 Songs

The Traveling Wilburys are not only one of my favourite groups because they made some very good music but also because the group consisted of some of my favourite artists. I started listening to the Wilburys when I was about 15 when my nanna got me a harmonica because I love the sound it makes and I was into Bob Dylan. The harmonica is one of the instruments I can actually play and I still have the harmonica my nanna gave me to this day and still play it occasionally.

The Wilburys were made up of Bob Dylan, Tom Petty, Roy Orbison, Jeff Lynne and George Harrison and the collaboration in my eyes is one of the best there has or will ever be. All the members of the Wilburys have excelled in their own solo careers, which I’ll get into in future posts.

During the time the Wilburys were together (which was only a short time) they only made 2 studio albums which were Traveling Wilburys Vol.1 and Vol.3. Vol.2 and Vol.4 were also released but were compilation albums. Vol.2 contained demo’s and extended versions of songs songs from Vol.1 and Vol.4 was outtakes from Vol.3. There was also a new compilation album released in 2007 titled The Traveling Wilburys Collection.

The Wilburys kinda formed by accident when Roy, George and Jeff met at Bob Dylan’s studio to help record a B-Side for the release of George Harrison’s track This Is Love. The reason Tom Petty was involved at all was because George had left his guitar at Tom’s House.

The Wilbury “family” consisted of Lucky Wilbury (Bob Dylan), Nelson Wilbury (George Harrison), Lefty Wilbury (Roy Orbison), Otis Wilbury (Jeff Lynne) and Charlie T. Jr. (Tom Petty). They enjoyed working together so much that they decided to make an album together (Vol.1) which was in 1988 and was recorded in only 10 days, just before Bob Dylan was due to tour.

When Roy Orbison died in 1988 this prevented an obvious Wilbury reunion and when Vol.3 was released the Wilburys took new names in honor of Roy, meaning that they can never be the original family again. The new “family” names were: Boo Wilbury (Bob Dylan), Spike Wilbury (George Harrison), Clayton Wilbury (Jeff Lynne) and Muddy Wilbury (Tom Petty).

Some of the Wilburys most popular songs are Handle With Care, The Wilbury Twist, Nobody’s Child, End Of The Line and Dirty World.

My Top 10 Traveling Wilburys Songs are:

01. Tweeter And The Monkey Man

02. Runaway

03. New Blue Moon

04. Wilbury Twist

05. Nobody’s Child

06. Maxine

07. Dirty World

08. Heading For The Light

09. Last Night

10. End Of The Line

The Best Sexual Positions: The Top 5 Mistakes Most Guys Make

One of the many challenges men have is to decide on what positions to use when getting booty. The biggest fears are that the woman will get bored with the “same old, same old” and as a result lose interest in sex. So the question becomes, what are the best sexual positions?

The best way to explain this is to talk about what NOT to do. With that in mind, I’ll now talk about the top five mistakes guys make when it comes to sexual positions, so that way you won’t continue making them.

Position Mistake 1: Imitating anything seen in a porn movie. This is probably the biggest reason that guys fail with sexual positions. Inexperienced guys think porn is a good model because they see studs banging beautiful broads, and… well, they just don’t know any better. The problem is that sexual positions in those sorts of movies are meant to display a good scene for viewers, not to maximize pleasure for the actors.

And in fact, one of the WORST positions for clitoral and vaginal stimulation is when the woman puts her ankles on your shoulders. With her pelvis bent back that far, she can feel pain in her cervix if you push in too far. Plus it’s a position that puts pressure. (If you ever have a chance to go behind the scenes and watch the making of an adult movie, you’ll see how quickly the mood gets killed when the actress keeps having to stop the scene to go to the bathroom!)

Position Mistake 2: Trying too hard to keep your weight off the woman, in any position. To a woman, sex is a way to get closer to her man. She loves it when he leans on the underside of her thighs. So here’s a tip for you to try… Next time you’re having sex with your woman (while you’re engaged in actual intercourse, that is), get more of your weight on her. You see, during sex, almost every woman enjoys feeling her man’s body pressed hard against her.

So how much weight should you put on her? Make it enough so that after you come, and the sexual frenzy dissipates, your woman will tell you that she feels like she’s being smooshed. Of course, do this within limits! If you’re on top off her grinding her pubic bone for too long, it can feel painful for her.

But the bottom line is that many, many women like to be pressured by at least some of the man’s weight. So save the gentlemanly sex for the royal family’s women!

Position Mistake 3: Letting the woman do all the work when she’s on top. For virtually every woman, sex is mostly a passive activity. So by being the motionless beta male, you destroy the whole purpose of sex for her, which is to open herself up to you penetrating into her body.

Position Mistake 4: Being a wimp. A lot of guys have read too many “Men are From Mars”-type books and think women like it if you ask permission for everything and let them take the lead. Be the alpha male instead and just “do it.” Flip her over, move her here and there. Be aggressive and even toss her about like a rag doll when you want to change positions, and… she’ll LOVE it! And don’t worry about it. If something is going on that the woman doesn’t like, she’ll let you know.

Position Mistake 5: Thinking the trickier positions are better. You don’t need to be upside down, hanging from a lamp, and doing something crazy. Just be normal. An old standby like the missionary (man on top, woman lying on her back) can be the best sexual position.

Tricky positions are just frustrating for everybody and often kill the mood because there’s too much “where should I put my arm?”… and not enough “let’s just have fun exploring.”

Rewarding Marketing Ideas For Your Cosmetics Business

Whether you offer your own home-made cosmetics, sell cosmetics or a large franchise, or run a cosmetics retail store, a skilled marketing strategy is way to create a winning business. A winning marketing strategy can quickly increase your business and your customers reach if done correctly. Find out some of the best marketing strategies that a cosmetics business can implement to increase business.

Online Advertising

Establish your cosmetics business online to provide potential customers a resource to learn more about what your cosmetics line offers. Customers are very sensitive to the ingredients used in cosmetics, the testing that’s performed, and how certain products benefit the skin. A company website is a great opportunity to showcase the products you sell, special promotions on brands and serums, and the background of your cosmetics business. Offering a transparent business is the best way to bring respect to your product lines and business. Once you create your business website, add your company to local directories for cosmetic businesses and product lines. Link to your website as an opportunity to find out more about the products and find a representative near you. To further establish your cosmetics line or retail business, add a blog to your website that discusses recent trends, makeup tutorials, and reviews on cosmetics brands.

Print Advertising

Cosmetics businesses are always introducing new products for aging, seasonal items, and body care products. Print advertising is a perfect opportunity to reach new customers with information about your products. As an independent beauty consultant or companies like Mary Kay and Avon, your business card is one of your best advertising techniques. Pass out your business cards to everyone you meet and you will be amazed by the relationships you build. Your product catalog is the real selling point of your business. Use a well-designed product catalog to show off your business and attract new customers to your product line, deals, and promotional products. Use catalogs as your mailers, and place that at busy locations where anyone interested can easily grab a catalog. Another great marketing strategy is to build relationships with your current customers by sending out postcards for new specials and products and classes or group parties.

Cosmetics Sign Advertising

Your cosmetics retail store offers customers the opportunity to find all their favorite brands in one great place. To build your business as a respected cosmetics store, use your storefront to set the best impression. Window signs can create a great impression by showing off your great brand assortments and range of products, as well as show off the beautiful you that your range of cosmetics can build. Full window coverings with vibrant images of beautiful faces and gorgeous skin are a great way to use graphics to motivate customers to visit your store. Perforated vinyl is ideal for this kind of advertising because it is solid and vibrant on the outside and virtually invisible inside. Window clings are perfect for ever-changing promotions like brand sales and deals or services your cosmetics store might offer like hairstyling, beauty consultants, and wedding packages.

If you are an independent cosmetics business, your sign advertising is a great opportunity to further emphasize your brand. Car signs are the best opportunity to including advertising signs. Car window decals offer high exposure when placed on your rear window; one of the most visible parts of your vehicle. Car magnets are another great advertising option because they can be added and removed anytime. Use them as your advertising as you travel between appointments and cosmetics parties. Whatever form of mobile signage you choose, your advertising should always include your business branding. Your name, contact information, branding colors, and slogan are crucial in building awareness for your business and overall increasing sales.

Ensure a Safe & Long Life of Cable Network Through Power Cable Accessories

They protect the cables from UV radiation, moisture, heat, corrosion, etc. These accessories not only make the work places but also our homes safe and efficient.

The key to getting maximum output from the cable network lies in selection of a reputed manufacturer. The ones which have experience and expertise in the field must be chosen as they are bound to use high quality material and design the cable network keeping the end use in mind. Power cable accessories coming from such a source will have the necessary certification like ISO. Its installation, operational and performance qualification will be done at the site as per the stringent checklist which will prevent the occurrence of any electrical hazard.

A known name in the field will provide a reliable, safe and durable cable network and satisfy the customer needs.

Power cable accessories such as separable connectors are made up of silicone rubber. They are non-inflammable and resistant. The heat shrink tubes are specially formulated from cross linked polyolefin. They are free of lead and cadmium impurities. They are resistant to tracking, control electric stress, show high tensile strength, are non-corrosive and enhance insulation. They have excellent mechanical, chemical and electrical properties. There are various types of heat shrink tubes viz. anti-tracking tubing, Bus bar tubing, medium wall, double wall and triple wall tubing. Their properties and structure vary as per the area of application.

The medium wall tubing has a single layer of polyolefin. The double walled tubes have an inner layer to provide insulation and an outer layer of semiconductor material. The triple walled tubes are made up of an inner layer to protect against stress, the medium layer to give insulation and an external layer to provide electric shield. These tubes have various shrink temperatures such as 100 or 110 degree C. and different voltage ranges such as 12kv or 36 kV, etc.

The PVC caps are available as end caps, dust caps, shipping protectors, etc. They have a male and female threading and are designed from a high quality raw material to ensure a perfect fit and to protect the ends of cables and pipes. They provide best cable joints, safe sealing to offer no electrical leakage. The different colours of PVC caps help to distinguish between cables that form a bundle of network. Their insulation, voltage and structure are the important points to be considered before installation in a particular area.

Offices, factories, mines, underground electrical systems or homes – all need the power cable accessories. Experts in electrical safety offer safe, efficient, durable yet economic solutions to make these spaces easy and comfortable to work. Compromising on the quality of your power cable accessories is a big no-no if you want a safe and long lasting cable network for your office or home.

Ringworm Disease – Who Can Be Affected?

Who can be affected by ringworm? Actually, anyone can be infected by ringworm disease. Even if you are rich, you can be infected. There are no exceptions for ringworm. But what really is ringworm? What is it like? How can it spread? And most importantly, how can you prevent it?

Ringworm is a fungal infection. The specific causative agents for ringworm are dermatophytes. These are a type of fungi that are keratinophilic and keratinolytic. In a short explanation, they are fungi that feed on and digest the keratin component of the skin.

You can say that it is ringworm if it is an itchy rash with edges that are red in color and elevated. Sometimes crust is formed on the edges. The center of the rash can appear to be normal, shiny, or scaly. But these are not the only signs of ringworm.

Some types of ringworm have a distinct set of characteristics. For example, ringworm of face, hair, and beard is associated with hair loss. Ringworm of the body and groin have the classic signs of the disease plus the rashes can increase in size. Meanwhile, ringworm of hands and feet are scaly. It also causes the skin on the hands and feet to thicken. And the ringworm of the nail causes the nails to be yellow. The nails can possibly be detached to the nail bed painlessly.

Ringworm disease can be spread easily. It is a contagious disease so you have to know its modes of transmission. Skin to skin contact is usually the most common spread of ringworm. It happens when the skin of an infected person comes in contact directly to your skin. Animal to pet transmission is also possible. Usually, pets like dogs and cats transfer the fungi to human through direct contact. Fomites can also spread the infection. These are objects that are contaminated by the ringworm. Examples of fomites are towels, socks, slippers, combs, and hats.

Now, who are at risk from getting the ringworm disease? As I have said earlier, anyone is at risk. But there are people who have a higher risk of contacting ringworm infection. In general,

some of them are:

– People living in warm and moist places. These people have a high risk for fungal infections because fungi best thrives in these kinds of places.

– People who have suppressed immune system. People who have HIV/AIDS, Cancer, etc. are some example. Their fighting mechanism is not that good enough to combat fungal infection.

More specific examples are:

– Wrestlers. They can be at risk in acquiring ringworm because the sports require a close contact with the other player. In addition, wrestlers usually play with minimal clothes on and they can sweat heavily when playing.

– Athletes. Athletes can get ringworm. Hence, ringworm of the feet is called athlete’s foot. Fungi love to thrive on their skin because they swear excessively.

– Children. Ringworm of the scalp is common in children. Children may have passed the infection through sharing of combs and hats.

– Laundrywomen and other jobs that require to their hands and feet to get wet. Ringworm thrives in moist environment. If your skin is moist or wet most of the time, you will more likely get ringworm.

– Farmers. You can get the ringworm disease from soil. Handling of soil can increase your risk of infection.

– People who wear ill-fitting jeans. Ill-fitting clothing does not allow air to pass on the skin. If this happens, your skin will be the best environment for fungi causing ringworm.

Ringworm is easily treated by antifungal creams. They are usually applied topically once or twice a ay. The treatment for ringworm can last up to eight weeks. Yes, it’s a long treatment process, but you have to complete it for you to be 100% ringworm-free. Some examples of antifungal cream your doctor might prescribe are Selenium Sulfide, Ketoconazole, and Miconzole.

Ringworm is really an irritating disease. Why go though all these when you can prevent it. Right?

What To Know About Lodging, Hotels, and Rentals Homes In Hawaii

When planning a trip or stay in Hawaii one of the first things to consider is lodging. While most people would start looking at hotels, one should consider looking into rental properties. Rental properties are homes, condos, villas or land available for rent for a period of time. Most can be rented for days or even weeks at a time.

Once deciding you would like to stay in a rental property, you need to choose which type you would like to stay in. Deciding factors would include number of people traveling; amenities needed, and amount of privacy you would like. If you are traveling with family you might want to consider renting a home, but if you are traveling as a couple you might consider getting a condo. If you are traveling with a large group of people that would like separate places but would like to stay in the same facility or on the same property you should consider looking into villas or attached condos. There are rental properties available to fit everyone’s needs.

Once you decide what type of rental property you would like to stay in, you should then deicide which island you would like to stay on. Hawaii is made up of eight major islands including Niihau, Kauai, Oahu, Maui, Molokai, Lanai, Kahoolawe and Hawaii which is referred to as the big island. Who you are traveling with, and what activities you are planning on doing, should be considered while choosing which island to stay on. Each island has unique qualities and activities to do.

Another factor to considering when getting a rental property is deciding what month you would like to go in. The most popular times to go to Hawaii are mid-December to mid-April; during these times you will find prices to be a little higher due to large volumes of vacationers. The best weather in Hawaii can be found in April, May, September and October. Hurricane season is from June to November in Hawaii. These should be some factors in deciding when to plan your trip.

Once you have decided on what type of rental property you would like to stay in and what island you would like to stay on, and what month you are going, you then need to find your perfect rental property. Instead of going to your local travel agent, there are many sites available on the internet to book your perfect rental property.

Pre-foreclosure Deals in a Hot Housing Market

You have seen all of the advertisements where merchants are hawking their products to help you profit in the home foreclosure market. What they don’t tell you is that not every home in foreclosure is quite the bargain that they would like you to believe it to be. Specifically, if a home is being foreclosed in a market that is hot, you won’t find as near a great bargain as you would in an average housing market. Yet, you can profit from a pre-foreclosure purchase even in the hottest housing market, so read on for some helpful tips.

You would think that a distressed homeowner would dump his property in a hot housing market before things get out of hand. Unfortunately, not every homeowner acts so quickly and the home is taken out from underneath him before a sale can be arranged. When this happens, the bank will look to dispose of the property very quickly and will likely still make a profit in a strong market. However, the homeowner could end up walking away from a foreclosure with very little cash on hand.

Many homeowners are finding themselves in a heap of trouble today, just three or four years after buying their home. Because they elected to get an adjustable rate mortgage, that monthly payment will suddenly spike by several hundred dollars once the adjustment period kicks in. For the homeowner living on the edge this spells trouble – in many cases they will not be able to refinance either as their credit is suspect or a drop in income has made them too much of a risk for a new loan. Either they’ll have to make good on the current loan or hope that a buyer steps forth to bail them out.

By the time some homeowners take action, they could be several months behind on their mortgage and a foreclosure notice may have been served. In many jurisdictions you can learn about a pending foreclosure through legal notices in newspapers or by visiting the sheriff’s department to read legal notices there.

Again, because the housing market is hot, you won’t find quite the bargain you might find elsewhere, but you could still profit from the situation. If the home has jumped in value by 25% since its purchase you could still offer a price of 10 percent below its value and make a nice deal. You’ll offer enough money to cover the mortgage and the owner could walk away with a small profit as well. Next, you could market the home and attempt to receive offers above the asking price. In a hot housing market you can do this so that is where most of your profit will likely come from.

Finally, if you aren’t in a hurry, you could hold onto the home for a year or more and sell it at even greater price as long as the local market trends are pointing upward.

In Search of Yesterday – Memories of the Black Watch in Cyprus 1958 to 1960

The 1st Battalion Black Watch left Edinburgh by train one evening, perhaps in October of 1958. We wore drill order which consisted of kilt and TOS etc. We always travelled in kilts in those days. It’s such a long time ago that I forget which port we embarked from. I imagine it was Portsmouth. Certainly in the south of England. We spent about twelve days on a very old slow moving troopship to get to Cyprus. There were short stops at Gibraltar and Malta where I went ashore. Dress was trews and blue bonnets. Most of the day was spent in bars drinking. No tourist type sightseeing. A few days later the whole battalion was paraded for inspection to see that we had picked up no social diseases. The journey through the Med was not unpleasant. Not much to do. A lot of lying around being lazy. Rather overcrowded living quarters. The trick was to get up and wash and shave before everyone else.

When we arrived off Limassol we disembarked onto lighters which took us ashore. Dressed in drill order, kilt and TOS, we were greeted by a pipe band of the Argyll & Sutherland Highlanders. We then got on buses of all things and were taken to our camp at Polis which was in the North West corner of the island.

Life in camp. That winter we lived in eight man tents. Somewhere in the camp was a primitive shower which I might have visited once or twice. We washed and shaved out of mess tins. I remember I bought a small burner to heat my water. When I’d finished, the same water went around the tent. I then ate out of the same tin. I also bought a portable radio. I think everyone else was National Service and therefore broke. I know my pay when I started was about three pounds a week. When I finished it was just over five pounds. We were paid in cash every Friday, although when we were on operations or out of camp it was held over, but cigarettes and razor blades were handed out free. Sometimes we got a rum ration when we were in the hills. The other National Servicemen got about thirty bob a week with a ten shilling marriage allowance for those with wives and there were many. They married at eighteen or nineteen in those days.I was in the signals platoon. In the next lines were the regimental band and the pipes and drums. We still had two bands in those days. As we worked around the clock we often had to catch up on sleep during the day to the sweet lullabies of the bandsmen practicing on their instruments.

The regiment having a long association with India, when we arrived in Cyprus we were joined by the regimental caterers from the colonial days, Gulam Nhabi. This very enterprising gentleman set up shop. His employees would do the rounds of the tents in the morning at reveille with buns and tea. I detested tea but it meant we didn’t have to go off to breakfast. Later operating in the hills one would sometimes find oneself dying of thirst, forbidden to use one’s water bottle, and out of nowhere would appear a cha walla with a tea urn on his back; Gunga Din be praised.

I can remember switching on the light at night and seeing the floor thick with cockroaches which must have been living beneath the wooden floor boards. In that winter the camp was thick with mud. I suffered from terrible constipation. The field latrines took some getting used to. One officer dropped his revolver down one and had to fish it out himself.

On night duty we would take a blanket along and probably nod off most of the time. The officers or sergeants on duty never seemed to bother us. Radio transmission was poor to nonexistent. Having just arrived in camp I found myself on duty the following morning, my first day in Cyprus. A message came in from brigade to send in our sitrep. I’d never heard the term before. There was a certain confusion over radio procedures. Our main intercompany radio was the Mark 19 set if I recollect. It had seen better days with the eighth army in North Africa. If all else failed a hefty boot in its side often set it to rights. The rifle battalions switched from the .303 to the Belgian FN on arriving. The HQ Company still kept their old and trusty Lee Enfield’s. A lovely rifle that I always remember with nostalgia.

Patrols would have a bren-gunner in the open turret of the three quarter ton truck. He would wear a flak jacket. Nobody else ever wore one. None were issued in any case. We had helmets but they were never worn. That winter dress was very relaxed and there was virtually no bull. No parades either. No parade ground. If there was an alert at night one would go out with the emergency patrol. One company was always on standby. Others were posted to outlying stations. That New Years Eve or Hogmany most people got rather drunk. The stand by company was kept sober. The drivers and signalers were not billeted with them however and it is doubtful if the drivers could have navigated the gates. One of our signalers was brought in the next morning on a stretcher from an outlying post, rigor mortis not quite having set in. The regimental band played airs suitable for the occasion.

There was to be an operation in the Troodos Mountains; Mare’s Nest it was called. The first assault was to be sent in by helicopter. One day we were suddenly ordered to put on full kit with rifles and to report to the air strip for training. A light spotter plane would fly over this from time to time and drop our mail out. A helicopter arrived. We got in, were taken for a spin, a rope was thrown out, we were ordered to climb down. Only one broken leg. We were then fully trained.

On the actual day of the operation the helicopters were sent in. They were to be followed the next morning by lorry born infantry. It was too windy to land the troops, except for one luckless fellow who had been the first to descend, without his rifle. He spent a night on the mountain before being relieved the next morning. Promoted to lance-corporal.

We went up by road. I was in the signals van. It got stuck somewhere. That night a corporal and I had to spend the night guarding it. Very lonely. I was only nineteen at the time. I spent a few days at our base camp. Very small. I’d got hold of some coffee so was able to brew my own. Detesting tea this was a godsend. It was very difficult for me to function in a nation of tea drinkers. The food seemed to consist of mutton scotch style. There were C rations or was it K. I can never remember which were British and which were American. Russian salad, corned beef, bars of chocolate. All very good. I can remember deciding to get a bath. There was a mountain stream a hundred yards from the camp so I went off to it and swam around in this freezing water for a while. I must have been tough in those days. I never wore socks either. The sergeant had told me one day a year before to either darn my socks or not wear any. Being cussedly stubborn I’d stopped wearing them. Our highland hose didn’t have any feet on them either so it seemed logical. Arriving back in camp I realized I’d left my rifle by the stream. One of those moments of panic. Luckily I was able to get hold of it before there was a problem. One fellow in our platoon had dropped a single round of .303 on the ground on descending from a truck after an operation and not noticed it. He was put on a charge and lost thirty days pay. Another fellow in a rifle company had lost a bayonet scabbard, not the bayonet, and there was a court of inquiry. When a bren gun had been lost by some nameless regiment two battalions were turned out to search for it.

The Suffolk Regiment had a small base camp next to ours. This was in a small vale high up in the Troodos Mountains. A corporal put his hand into his tent to pick up his Sterling sub-machine gun. The trigger caught in a guy rope and he shot himself through the chest. Our medical officer tried to save him but he died. A company had been supplied with donkeys for supply purposes. At other times aircraft would fly over dropping us supplies.

I went to join Don Company. From there I went to an outpost which consisted of a corporal, two privates and me as radio operator. We were all alone on our own observation post far from everyone. The ideal place to soldier in. We had a small Australian radio which fitted onto the belt. It used Morse, so I spent a lot of my time there communicating in Morse with our HQ. One night there was a terrible storm. The wind howled through the mountains, the thunder crashed like cannon, the lightning flashed. We only had two small two man tents. I can remember being on guard duty after midnight. Under a tree, bayonet fixed, a round in the chamber, safety catch off, I’d have shot anything that appeared. Who had ever heard of precautions to take during a storm?

Sometime later two privates in a rifle company had irritated the colonel. The incident had taken place in our main battalion base but he had them brought up to him somewhere in the mud of the Troodos. They had to appear i n full review order, kilt, white spats and sporran and all. They both got fourteen days.

In the spring we moved up to relieve the Royal Welsh Fusiliers at Xeros. I was in the advance party. It was always agreeable to be detached from the regiment. There were some Royal Signals on this base who wore civilian clothes. When the battalion arrived, our RSM, Patterson by name and a giant of a man, nearly went through the roof. I’d always felt that when he roared even the gods in their heavens trembled. There were to be no civilian clothes in his camp. We were still in tents, but there was a parade ground so we wore khaki drill and started to look smart again. I have photos of us in review order, kilts and blue bonnets, white spats and sporrans etc.

The nearby village was Turkish, was it called Lefka? Occasionally we were allowed out there. Trews and blue bonnets. The local money was piastres. The beer was bad, the wine worse, but both very cheap. We had not had a real break for six months so it was decided to let us visit Nicosia, a company at a time. I was not with the first company. The commander of the Military Police in Nicosia said afterwards that he had never seen so much damage done by a single company in all his years of service. Well, the Black Watch had a reputation to maintain.

I was detached to a post in some Greek town. This was in the period leading up to independence. The Greeks paraded past our post with flags flying calling for independence. I can’t remember much about that period as the politics of the situation did not really concern me. When my mother died five years ago and we were clearing out her things I found my two old copies of Bitter Lemons, by Lawrence Durrell, and Grivas and the story of EOKA by W. Byford Jones, and although I probably read these after the events concerned I could not really have been without interest. At Polis we had had an interpreter. He was a student of Greek at Glasgow University and largely sympathized with them. The Black Watch were very Gung Ho and couldn’t really give a damn for Greek Cypriot sensitivities. If I remember the Gordons had had five men burnt to death in one operation. The Argylls had rather terminally messed up some captured Cypriot suspects after two British women had been gunned down. We were quite friendly with the Turks whom we considered stout fellows although one of them accidentally discharged his shot gun into the stomach of one of our fellows one day. Another private lost his eye on parade whilst unfixing bayonets with the new FNs. As usual accidents were far more common than battlefield casualties.

Perhaps our habit of moving into a church to search it and the bren gunner placing his machine gun on the pulpit to cover the worshippers was overly aggressive. When out we would help ourselves to whatever fruit we found. One night we had an accident and slept where it had happened. In the morning we found ourselves in a water melon field so that took care of breakfast. I can remember taking my rifle and going through orchards helping myself to oranges. An order went out to the motor platoon to try to stop driving over so many animals. I think there was a competition amongst the drivers to see who had the highest kill rate in a month. It must seem strange today that during my three years in the army I cannot recollect ever seeing a tank. The battalion was equipped with two armoured vehicles, a Ferret and a Dingo.

And as for Archbishop Makarios and Grivas or was it Dighenis. They were for generals and politicians to worry about, not the rank and file.

As the situation became more peaceful the battalion created its own beach where one could stay overnight, get moderately drunk and spend the day swimming and sun bathing. No swim suits or anything. No women either. In my three years apart from seeing no tanks I can’t recollect ever seeing a female soldier. Were they called WRACs or something? In camp we began the day at five o’clock and finished at lunch time. One was able to take leave. I spent a month in Turkey and the Aegean. The Turks were very friendly, the Greeks lukewarm. In Cyprus there was no fraternization with the local population at all. I was there eighteen months and in all that time never spoke to one female. When I was on leave I did fall madly in love with e beautiful Armenian in Istanbul but she was chaperoned and I could never be alone with her. In Khios in the Aegean I found a Greek girl from Egypt. Chaperoned also. Never alone either.

Towards the end of 1959 the battalion moved down to the new British enclave of Dhekelia in the South East of the island. This had a brand new barracks in it with all the regimental bull that went with it. The old colonel and RSM had moved on to other postings, the troubles were over and it was more or less a return to routine garrison life. There was a riding school nearby which meant I could take up one of my passions again. I remember one incident. A group of us were out riding and we’d started a rather wild gallop. My horse pulled ahead which was fine by me. Then I saw a very wide ditch ahead and decided it was too big to jump so tried to pull the horse up; except that I no longer had it under control and couldn’t so I thought what the heck we’ll have to jump it. At the last moment the horse saw it and dug his hoofs in and came to a sudden halt. I went flying over his head, cleared the ditch, did a parachute roll on the other side and came up on my feet with no broken neck. I then tried to remount but the horse was very nervous and my knees none too steady. The Second in Command of the battalion, an old 2nd Battalion India army man rode up and said the damn fool (me) can’t mount.

Authority and I never really got on. I was far too independent. So a private I remained. One of my best friends was a corporal. Ian Holden by name. He’d been sent down from Saint Andrews University because he’d been too brilliant to bother to study. He became a corporal which I should have done also, but that would have meant conforming which I was too independent to do. We often went out together which was frowned on. However he was always in trouble because we used Christian names with each other. It was absolutely detrimental to the maintenance of good conduct and military order that such things should happen. There is a most delightful passage about that in Robert Graves’ “Goodbye to all that”. His book of course refers to The Royal Welsh Fusiliers in the First World War.

Lord Mountbatten came by and a Guard of Honour in full dress turned out for him. As I am typing this I notice my computer queries the spelling of honour. I once wrote to the Times about their spelling of that word. They had used the American form of Honor Guard. They said it was all the same nowadays. I disagree. I was part of the old army. I was a three year volunteer. More than half the people in the battalion were National Service men. We still had church parades. We were woken up on the fifteenth of each month by the Pipes and Drums playing The Crimean Long Reveille. Drum Major Dear was one of the finest men I knew along with RSM Patterson and our company CSM whom I only remember by the name of Gobby but who had won an MM in Normandy. There was also my platoon commander, Captain McMicking, who went on to command the battalion. He was always very decent to me and I was doubtless a trial for him.

In 1960 I went back to the depot in Perth Scotland to be demobbed. Again a slow trip by sea. Perhaps the same ship. I kept a bottle of whisky in my bunk to help pass the time. When it was finished I put a note in it and threw it overboard. Some months later a girl wrote to me in the Bahamas which was then my home but I never answered. Life had moved on. Now looking back after half a century one gets nostalgic for the past, but the past is no longer there. Old friends have died off. The Black Watch which was raised in 1739 and could trace its roots back to 1725 has disappeared. The highland regiments, all the Scottish regiments for that matter have been amalgamated out of existence. So have the old Irish, Welsh and English regiments for that matter. They only exist in history books and the memories of old soldiers.

Advantages and Disadvantages of Rental Guarantees

Anyone who is considering an investment property purchase throughout Australia might wonder about methods of renting out the house, apartment or building. In some cases, the developer of the property might offer a rental guarantee to help draw in buyers by offering a certain amount of stability against pitfalls relating to finding a tenant. Though the offer might sound like a good decision, buyers need to consider all of the potential pitfalls and benefits of the program to make an educated decision.

Understanding Rental Guarantees:

Before it is possible to consider the advantages and disadvantages of a guarantee program, it is important to understand the basics of how the guarantee works first.

Anyone who is planning to buy an investment property in Australia must first understand which type of program they are looking at. Australia has a few rental guarantee options that will vary slightly in the way the program works.

The first option is the most common type that comes with new constructions. The developer offers a certain percentage of the purchase price as a monthly guarantee on rental income. This type of guarantee is only available when the project is still in the hands of the developer and the seller determines that it will help draw in investors who are interested in the property.

Others might be eligible for a Defence Housing Australia (DHA) rental property. This is a government guarantee rather than a developer guarantee and is usually associated with properties purchased through government loan options. This type of investment property does not require a new construction property, so it fits other needs as well.

In most cases, Australia rental guarantees are provided by the developer. The government guarantees are less common for investors who are looking to secure their investment and have a set amount of money coming in.

Advantages to the Investor:

Rental guarantees have numerous benefits to an investor and these should be considered before determining if it is the best option for their needs and wants.

The most obvious advantage of the program is the fixed return amount. Investors can expect to receive a set rental amount each month based on the contract agreement made with the developer or the government program.

In many cases, the developer provides a fixed return based on the purchase price. For example, the developer might offer seven or eight percent of the purchase price as a guaranteed rental income. This allows investors to calculate the amount they will receive and provides peace of mind that some income is going to come in.

Another benefit to the investor is the lease agreement. The developer who gives a guarantee is essentially signing a contract or a lease on the property. If the developer does not provide the agreed upon rental income, the investor has options to legally receive the money.

Rental guarantees offer financial security. Having a guaranteed rental income gives investors an edge on their finances by providing a set amount of money each month. It is secure and the investor does not need to worry about losing rent as a result of vacancies.

The property owner will never need to figure out rental management, hire a broker to rent out the property or otherwise try to prevent vacancies in the property. This is a distinct advantage because it removes some of the major hassles of buying an investment property with the intention to rent.

Disadvantages to the Investor:

While the property owner has some distinct advantages of agreeing to a rental guarantee, making an educated decision requires looking at the disadvantages as well.

One major pitfall of a rental guarantee is the low rental amount. By agreeing to a rent based on the purchase price, property owners will not have the advantage of bringing in more income as the property value increases. The amount is set and will not change throughout the agreement.

Another disadvantage that might occur is the remaining tenancy on the property after the agreement is complete. If the property has current tenants at the time the guarantee expires, it might not be possible to raise the rent, remove the current tenants or otherwise take action to improve the situation.

The tenants will have a contract that allows them to stay in the property for a set amount of time and owners will not be able to change tenancy unless they break the contract first.

For many agreements from the developer, the property owner is still required to pay the maintenance fees and service charges on the home, apartment or property. This might or might not apply to government guarantees, depending on the contract. Paying the maintenance and service fees can cut back on the potential profits from the rent.

Make an informed decision

Rental guarantees do have benefits and pitfalls that can become appealing or distressing. Ultimately, Australia investment property owners will need to determine whether they feel comfortable with the guarantee or are willing to take the risks of finding tenants personally.

Mercedes 126 Repair – Transmission Service

The transmission in the Mercedes 126 is a very robust design, as one would expect. In its day, it was one of the best units available, which led Porsche to use it in the legendary 928. But as with all other systems on these cars, we should not let the reputation for longevity stop us from performing frequent services.

As a general rule of thumb, transmission fluid should be changed every 30,000 miles. Unlike modern cars, where the trend is to do away with service access ports altogether, these Mercedes transmissions allow us to drain not just the pan but also the torque converter. In other words, we can remove almost the entire fluid charge without resorting to such gimmicks as power flushes.

Whereas engine oil should be changed hot, transmission fluid is best changed when merely warm to protect the mechanic from a very real risk of scalding. The steps are as follows:

  1. Drive the front of the car on to ramps or support on jack stands.
  2. Make sure that the torque converter drain plug is accessible. Unless you have been very lucky, you will usually need to blip the engine on the starter to get the plug to come into view through the access hole. It can be “walked” the rest of the way with a large, flat-head screwdriver. It may also be necessary to remove the cross-member between the two front subframes (“dogbones”). The six retaining bolts have 17mm hex heads are are torqued to 45Nm.
  3. Loosen the transmission pan drain plug with a 5mm hex socket, then allow the pan to drain into a suitable container. If possible, collect all the used fluid in one container and then measure it; this will help us dispense the right quantity when we refill.
  4. When the pan has stopped draining, loosen the plug on the torque converter (same size as on the pan) and allow the torque converter to drain out. There is much more fluid here than in the pan.
  5. When the two main flows have ceased, loosen the six bolts retaining the pan (13mm heads) and carefully remove the pan. Don’t spill the remaining fluid all over yourself! Resist the temptation to wipe the innards with a shop towel: we don’t want any pieces of lint in here.
  6. Remove and replace the transmission filter, retained by Phillips-head screws.
  7. Thoroughly clean out the pan with a lint-free cloth and replace the rubber gasket, ensuring a proper fit all the way around. Reinstall the pan, torquing the bolts gradually and evenly up to 10Nm. (The manual says 8Nm; a little more is fine. But please don’t go overboard: these pans can be warped and they’re not cheap.)
  8. Replace both drain plugs, using new copper crush seals. Factory spec. is 14Nm, or about 10lbs/ft. Tight with a 3/8 drive works fine. If you removed the cross-member, replace it, being careful not to cross-thread the bolts.
  9. (Optional) Crack open the trans cooler lines at the radiator (17mm wrench) and drain the small amount of fluid from this area. Replace the lines if their condition is dubious; they are not expensive. Retighten all connections.
  10. Using a fine-mesh filter, add four quarts of fresh Dexron-Mercon transmission fluid (ATF) through the dipstick tube. If you can afford it, use synthetic fluid: it helps keep temperatures down by reducing internal friction, and heat is the number one enemy of automatic transmissions.
  11. Start the engine and slowly add another three quarts.
  12. Back the car off the ramps, run it through all the gears, pausing for a couple of seconds between each gear, then check the fluid level. You do not want to be over the minimum mark at this stage. Transmission fluid expands greatly when hot; the reference marks on the dipstick are calibrated for hot fluid. So it is o.k. to be half-an-inch or so below that mark while the fluid is cold.
  13. Drive the car for about 20 minutes (yes, at least that much) to warm the fluid thoroughly. Transmission fluid takes longer to warm up than the engine oil or coolant and requires the friction of actual driving to get up to temperature. Check the fluid again on level ground. Make sure you don’t leave any lint on the dipstick before replacing it in the tube. Any level between the marks is fine, but under no circumstances do we want to exceed the maximum level. If you need to add fluid, do so in very small increments and check again.

If you used synthetic fluid, you may notice that the shifts have become noticeably firmer. Compensate, if needed, by adjusting the modulator valve on the driver’s side of the transmission. Turn the little key counter-clockwise until the shift quality is to your liking. Bear in mind that too much slip is bad for the internal clutches.

How Pipeline Alignment Sheets Are Important

The transporting of crude oil and gasses are an integral part of their manufacturing. They must be mined and then somehow moved to the factory for refining. Pipelines were reportedly first made around the late nineteenth century, but pipeline alignment sheets were not developed until much later on.

The lines are generally constructed out of tubes made up of either steel or plastic. The majority are buried underground at depths of up to 48 feet. Pump stations throughout the lines are what keep the oil moving. They usually run twenty four hours a day, seven days a week, three hundred and sixty five days a year. Line operators are there to monitor the entire route. Safety inspections are done at regular intervals to look for leaking, rupturing, and other inconsistencies. These operators and inspectors are trained to be prepared for any emergency. They can easily shut down a line or section of it if the need arises.

Many other materials can be transported this way as well, not just oil. Such materials as water, hydrogen, bio fuels, sewage, and even in some particular cases beers on a smaller scale can be moved down these lines. Some are designed to transport two different products at the same time. Normally the products are not separated in the line itself. Needless to say the possibilities are endless!

There are several components that make up each line system. At the beginning you will find the injection station, where the material is actually pumped in. Then there are the compression valves throughout the entire line that are what keep the gasses moving. Liquids are moved by pumps.

Lines are protected by valve stop stations. Sections of the line can be blocked off for maintenance. This is especially important when a leak or rupture needs to be fixed. The entire line doesn’t have to be shut down and flushed out. Engineers can now just work on that one particular area by blocking off the flow.

Regulators are used to release pressure off gas lines. These are important and are operated via valve stations. Then there is the final section, which is the outlet station. Here is where the materials will be distributed into different lines and moved to the final destination.

Several companies are offering their services to generate sheets that show the engineering data in relation to the line itself. These maps show you the entire route of the line and identifies the land masses associated with its placement. Many have different designs that are customizable using the template they provide.

Pipeline alignment sheets or maps are critical in that they provide the engineer as well as the corporate base a bird’s eye view of the line itself and all of its components. In emergency situations one would consult the sheet and be able to quickly devise a plan for cordoning off the right area and how to locate it as fast as possible. Companies can create the sheets for you, or the software is available to do your own.

Get Wireless Internet With a Cable Modem Router

Being able to use the Internet anywhere you go is starting to become something that people expect. Whether they can access the Internet from their cell phone or their computer, people feel the need to get online at all times. If you want this luxury in your home, then you will need to get a cable modem router. This will broadcast your Internet signal across the house so you do not always have to be plugged in. The more powerful they are, the better your range and speed will be. This will also make it so that many people can enjoy the Internet without worrying about slow speeds.

A very high end cable modem router is the Cisco EN 10Mbps UBR9324. This router includes a Voice over IP as well as a Virtual Private Network, making it an excellent choice for offices. It has a speedy data transfer rate of 10Mbps and features firewall protection to keep away any threats. Another high end commercial type is the UBEE DDC2700. This fast router can handle up to 30Mpbs, making it a great choice for those concerned mostly with speed. It is comparable in price to the UBR9324 from Cisco.

For those that need even more speed, the Hughes HN7700S broadband satellite router will get the job done. This unit can handle data transfers at speeds of 45Mbps, making it one of the most reasonable choices for offices that require speed. If you are not in need of as much speed and are more concerned with saving money, then you should consider getting a cable modem router like the Motorola SB6120 Netgear N or the Zoom ADSL 5654. Both have 4 ports like the commercial types but do not offer as high of data transfer rates. These are ideal for smaller households where the lack of speed will not be noticeable.

If you are looking for a cable modem router for use in your home, then you do not have to spend more than $60 for a hiqh quality unit that will provide you with enough speed. For offices, it is reasonable to spend more than $100, especially if productivity is based heavily on the use of the Internet.

Understanding Reverse Mortgages

A reverse mortgage is one of many vehicles that individuals 62 years of age or older can use to turn the equity in their home into cash. It is very important, though, for an individual to fully understand reverse mortgages, their ramifications, and the alternatives. This article will provide an overview of reverse mortgages, as well as discuss alternatives.

What is a Reverse Mortgage?

With a "normal" home loan you pay a monthly amount (principal and interest). With each month, the amount that you owe goes down and the equity in your home goes up. As one might expect from its name, a reverse mortgage works in an opposite fashion. With a reverse mortgage you can turn the equity in your home into cash. You do not have to make monthly payments. The cash may be paid to you in one or more of the following ways:

  • As a single lump sum payment
  • As a regular monthly amount (a cash advance)
  • As a credit line account that you draw upon as needed

With a reverse mortgage, the homeowner continues to own their home and receives cash in whatever way is preferred to them. As they receive cash, their loan amount goes up, and the equity in their home Declines. A reverse mortgage can not grow to more than the amount of the equity of the house. In addition, a lender can not seek payment of the loan from anything other than the value of the house. Your other assets and the assets of your heirs are protected by what is called a "non-recourse limit."

A reverse mortgage, plus accrued interest, does indeed have to get paid back. Repayment of a reverse mortgage happens when the last owner of the property named on the loan either dies, sells the home, or permanently moves out of the home. Before then, nothing needs to be paid on the loan.

There are other circumstances in which reverse mortgage lenders can also require repayment of a loan prior to the above conditions. These include:

  • The borrower fails to pay their property taxes
  • The borrower fails to maintain and repair their home
  • The borrower fails to keep their home insured

There are also other default conditions that can cause repayment of the loan. Most of these are similar to default conditions for traditional mortgages (for example, declaration of bankruptcy, donation or abandonment of the home, perpetration of fraud or misrepresentation, and more).

A reverse mortgage should not be confused with a home equity loan or home equity line, both of which are other means of obtaining money for the equity in your home. With either of these loan vehicles, an individual must pay at least monthly interest on the loan amount received, or amount that they have drawn on their equity line.

Reverse Mortgage Eligibility

All owners of a home must apply for the reverse mortgage and sign the appropriate loan papers. To qualify for a reverse mortgage the borrower (s) must:

  • Own their own home
  • Be at least 62 years of age or older

A reverse mortgage is most typically a "first" mortgage, meaning that there can not be any other mortgages or loans against the property, such as an equity line. An individual typically owns their home "free and clear" prior to seeking a reverse mortgage.

Reverse Mortgage Loan Amounts

The amount of money that an individual may receive from a reverse mortgage is a function of many different factors, including:

  • The specific reverse mortgage program that the individual selects
  • The type of cash advances received (eg, lump sum vs. monthly payment)
  • The individual's age (the older an individual is, the more cash they get)
  • The value of the individual's home (the more valuable the home, the more cash they get)

Types of Reverse Mortgages

There are several different types of reverse mortgages. Some are more expensive than others. Types of reverse mortgages include:

  • Reverse mortgages offered by state and local Governments (often called "single purpose reverse mortgages"). These are typically the least expensive reverse mortgages. These may be the most restrictive on how the money received can be used.
  • Federally insured Home Equity Conversion Mortgages (HECM). These are almost always less expensive than other private sector reverse mortgages, but more expensive than reverse mortgages obtained from state and local governments.
  • Other private sector (proprietary) reverse mortgages.

Alternatives to Reverse Mortgages

While usually an option that causes a negative emotional reaction, selling a home is an alternative to a reverse mortgage. The proceeds of the sale can be used to either rent, or purchase a smaller, more "age-friendly" home, while money leftover can be invested to provide additional income. This option should at least be considered and compared to a reverse mortgage so that an individual is making an informed decision.

Reverse Mortgage Counseling

Counseling is required in order to obtain certain types of reverse mortgages. Counseling is required before an individual can obtain a Federally-insured Home Equity Conversion Mortgages (HECMs). Even if counseling is not required for a particular reverse mortgage, individuals considering a reverse mortgage should seek either counseling or the advice of a qualified financial advisor.

Good Sources of Information About Reverse Mortgages

The American Association of Retired Persons (AARP) is an excellent resource for finding more information on reverse mortgages. Their web site (www.aarp.org) has extensive information on the subject. Information may also be found on the National Reverse Mortgage Lenders Association web site (www.reversemortgage.org), the HECM Resources site (www.hecmresources.org/index.cfm), the National Center for Home Equity Conversion web site (www. reverse.org), and the Federal Trade Commission (www.ftc.gov/bcp/conline/pubs/homes/rms.htm).