last skali...ne r budak2 tu.wlupun padang Besar jek.tp bule r drpd xda.nak beli yg mahal pon bkn bule dpt anugerah..tp yg sudah beli yg mahal tu x pa la.maybe byk duit.yg byk duit tu xpa la.maybe bule beli yg mahal..yg dah beli yg mahal tu xpa la.maybe duit banyak..yg duit byk tu xpa la..maybe bule beli yg mahal..dan seterusnya.ibarat kata-kata semua tu pusing2 mcm tu gak..

Seed

baju baru jenama Seed..
x pernahku beli baju semahal itu
mgkin x terfikir nak beli baju itu...
tapi nak jd guru punya pasal..
akhirnya..
ku beli saja baju itu...


member aku namanya "Abang"..
pernah dia cakap ..
"aku malas dah belajar...aku nak mengajar plak.."
best ka mengajar???
mungkin mendidik lebih tepat..
iya..mendidik anak bangsa...:)


haha..badanku kecik dari student..
sekarang ni budak skolah besar2 belaka..
harap2 la mereka x BESAR KEPALA..
x pijak kepala..



biasa la kalo ajar dak2 teknikal..
mungkin ramai budak2nya nakal..
jangan aku yang hilang akal..
abes keluar sepak terajang..

Membuta..

bukan BUTA tapi MEMBUTA ... sekarang time EXAM...final year pun paper berlambak2 lg..PSm?????bila mau jilid? perggghhh...tensen yg dipendamkan dalam hati.x di luahkan..x prasan melalui xpresi wajah..TENSENNNNN.... tapi aku tahu sedikit cara mengurangkan tensen..
sila lihat di bawah ^^^^^^^





MEMBUTA....hahahahaha......

MEMBUTA... bangun...pastu MEMBUTA..

MEMBUTA...Pastu... MELAHAP....

Bak kata pepatah "pejam celik pejam celik...abis.."...

to do list



1. jilid psm
2.paper (16, 18 & 19)
3.kemas2 barang mau blk sabah..
4.cuti sebulan
5.MEMBUTA PUAS2...wakakakaka..

LIverpool 'Walk Alone' lg

aparaaaa..jalan sorang2 lg..3 kali kalah straight. mungkin bukan time dia season ne..sepatutnya engkau tahu risiko & akibatnya buang Aronso (Alonso)..player yg manyak cantik ooo dia main...tp terer aku lg kot.. sepatutunya LUcas yg agak buduhhh tu yg di buang jauh ke dasar laut biar di baham oleh harimau kumbang.. satu2nya haiwan yg buleh beranak & bertelur slps siput bab*...tp x pa mgkn engkau sudah tersilap percaturan..lain kali kalau x reti main catur cukup sekadar bermain dam haji ok!!!...rafa ooo rafael benayoun..benitezz la.. klh ngan fiorentina, pastu chelsea...blues is our color!!hehe..pastu kena plak ngan Black cat..(sundek land)..apa sudah jadi ooo..kepada peminat2 liverpool...korang suma x bule wat apa2..cuma bule kecewa utk setiap game..pasni liv nk jumpa Lyon utk CL, pastu jumpa Ferguson punya TOYOL2..hehe.mampus kita kena lg ne..pastu jumpa Arsenal pulak da..aduhaii.kalo klh lg maybe rafa yg kena out dr anfield.. i guest la..haha.ok r x guna crita pasal bola lg...byk lg benda lain mau wat..PSM aku pon x siap g..harap2 semuanya jalan nga lancar..apa jln ngan lancar? ..jln guna kaki rrr... (mmbr aku pnya quotation, Jawer (2009)..)..

MERdeka

merdeka...merdeka..merdeka

..orang merdeka dia mau juga merdeka. detik jam 12 tgh mlm, waktu itu kami sedang berborak2 di kondo yg serba indah dan tiada planning utk selebrat mlm merdeka itu kerana kepenatan tahap parabola selepas main futsal di RAJA FUTSAL(Now everyone can play)... berbekalkan kehausan yang teramat sangat..membuatkan kami utk buat air yg sungguh manis beralaskan ais yg baru di beli di kedai mamak td..fuhhhhh sedap sioooottt..bedarah hidung aku minummmm..dahaga sgt2..aku dan beberapa konco a.k.a anggota sedang duduk minum air oren yg baru saja disedekahkan oleh MPP semalam..air tu sepatutnya x payah letak gula(kordial) tp kewarasan tem tu memang terguris sedikit kerana kepenatan..so terletak la gula yg hampir suku kilo tersebut..sekali minum memang manis mengalahkan anak dara@awek2 uthm..so kebetulan hari ini adalah hari kemerdekaan aku nak tujukan lagu ini untuk anda semua...terima la.three four.,,

Bukak radio di pagi hari
Malam hari sama sahaja
Cinta sana cinta sini
Aku gila geli
Cinta sana cinta sini
Aku gila geli

Bukak radio HITZ fm
Propaganda Amerika
Apa benda yang merdeka
Jilat bontot depa
Apa benda yang merdeka
Apa benda yang merdeka
Jilat bontot depa
Apa benda yang merdeka

Bila kawan ramai keliling kita
Cakap besar tunjuk belang
Tapi bila sorang2
Pengecut pemalu
Macam semua orang
Tapi bila sorang2 Ppengecut pemalu
Macam semua orang

Saya ini pun bukan sempurna
Tapi saya tahu
Dosa dan pahalaku tuhan saja
Tuhan saja yang tahu
Dosa dan pahalaku tuhan saja
Tuhan saja yang tahu

Gelang si paku gelang,
Gelang si rame rame…a

Tentang marilah tentang,
Marilah tentang bersame same

Tentang marilah tentang,
Marilah tentang bersame same

Gelang si paku gelang,
Gelang si rame rame…a

Tentang marilah tentang,
Marilah tentang bersame same

Tentang marilah tentang,
Marilah tentang bersame same

Ah lihat nie……

Gelang si paku gelang,
Gelang si rame rame…a

Tentang marilah tentang,
Marilah tentang bersame same

Tentanggggggg hhhhooooooooahhhhhhhh,
marilah tentang,
Marilah tentang bersame same

Dr Stein Lu UTHM..

Once they killed his monster when it went into a trap
now he's making better ones on a higher step

On a warm summer day the doctor went away
to a place where he could make it real
his assistant's hips were nice
so he cloned her once or twice
now his hips are aching what a deal

Dr. Stein grows funny creatures
let's them run into the night
they become great rock musicians
and their time is right

Sometimes when he's feeling bored
he's calling it a day
he's got his computer and they do it their own way

They mix some DNA, some skin and certain spray
you can watch it on a laser screen
and the fellow's blue and gray
or sometimes pink and green
just check it out on halloween

Dr. Stein grows funny creatures
let's them run into the night
they become great politicians
and their time is right

One night he cloned himself
put his brother on a shelf
but when he fell asleep that night
it crept up from behind and thought
"well never mind "
took a syringe and blew out his life

Dr. Stein grows funny creatures
let's them run into the night
they become
1 - a great possession
2 - a great opression
and their time is right

Finishing School...

Bukan fishing school...satu program tuk budak2 yg nak abes belajar..mksd final year la..last year punya budak.bkn last year 2008..hehe..senang cerita last sem la..bercaerita psl finishing school ne...kwn aku ad ajak p annual dinner tu..so aku rs bes la..kwn da ajak..so kita layankan la ...yea dok?hehe..nk di pendekkan cerita...kebetulan member aku ne ajak buat persembahan la kononnya.show tuk wat live band tuk menghiburkan para tetamu yg datang..supaya dorg mkn ad gak hiburan sket..so aku pon setuju la...hehehe..kebetulan 2 org mmber aku ne mang budak yg incharge majlis tu..praktis b4 dinner tu mang wajib coz kitaorg pon bknya terer sgt nak on d spot perfom..len la kugiran yg maen tuk majlis kawen tu...dorang da memang terer tahap cipan...hehe.so layankan......(x da modal nak mengarut panjang lebar...hehe)

Update

Salam sejahtera kepada makhluk2 yang maybe bc ruangan maya ini...apa pun benda yg aku mau ckp ni bknnya benda yang best...just mau ckp benda psl update..wat benda apa pon kalo x update apa guna bro!!!....contoh mcm blog aku la...kekadang aku mcm mls mau update.. mksd aku wat somting yg bule renew kat blog aku la...lebih kurang mcm post sesuatu benda...wat isu semasa ka,story2 recently ka,perasaan menyampah draw ngan man city ka,perasaan menang lwn ngn Real madrid ka,hahaha..tu suma modal beb!!hehe.suma org nak update..betol x?coz kalo x update org kata ketinggalan..x ikut prkembangan..bosan!!!..tengok ja la mcm berita harian yg update sentiasa ngan berita terkini...hari2 ada ja berita baru...so modal dia tuk update slalu rr..kalo tgk teknologi plak kita tau setiap hari tech sentiasa berkmbang!!tgk henpon ja la..setiap ari ada ja model yg latest!!yg lama da turun harga..x market beb!!!suma org nak layan lagu baru..kalo bukak hot fm lg la lagu baru yg x pena dgr pon ada!!!sbb tu aku x bukak hot fm..sbb host dia ja kau bukak..heheh Farah tuuu..mantap siot..suara pon manja.tp da tua rr.hehe.ok2 berbalik ngan crita kita pasai update mengupdate ni..kalo kita tgk ari ni trend budak2 skrg update ikot zaman...kalo dulu zaman ice-ice baby, pastu zaman rock kapak,zaman skin head botak f*ck,pastu zaman hip hop n rnb,n skrg zaman2 shuffle gitu..yg kaki lincah nak mampos..tp aku suka tgk..kat BB byk la budak2 kaki lincah tu..hehehe..x nafi r suma org suka update..mcm aku r x update lg..dari dulu sampai sekarang memang ROCK KAPAK beb...hehehe.x da button "please update ur music"..hehehe..kalo ada maybe aku cr rock kapak gak..hehe.x pon jason mraz ka...wakakakaka..tp igt la kawan2 ku suma..x suma benda bule update mcm tu ja..kita kena igt ada benda yg x bule update sesuka ati..biar zaman berzaman..x bule update...dan kita memang bule update...memang x kan update..kalo ada pon , tu suma org2 n golongan2 org yg teruk n dimurkai!!!...depa nak update tuk kepentingan depa..kononnya x relevan kalo laksanakan zaman skrag ni..sampai masyarakat terkeliru n terbiar..huhuhu..Satu sj..AGAMA.. skrg org nak update agama spy sesuai ngan zaman..tp sebenarnya agama tu la yg sesuai utk sepanjang zaman..agama yang update kan zaman...supaya zaman yg kita,anak2 kita,cucu2 kita,cicit2 kita n yg sama waktu dgnnya tempuhi di update ngan agama...kemajuan tp beragama..bukan kemajuan yg jd agama...yg penting slalu kasik updates diri tuk agama...kasi tingkat diri tuk wat keja2 yg bule improve agama kita..mksd aku iman la.huhu.nauzubilla.so ati2 kalo nak update somting ya pren!!yg penting lu pikir la sindiri!!!caw.

Hari Kekasih

What left?semua orang x mau ketinggalan pasal isu2 atau benda2 yg berlaku di sekeliling...semua nak jd alert..termasuk la 'perayaan menyambut hari kekasih..hari kekasih atau dikenali sebagai Valentine day memang x lapok lg..hhehehe..barang ne selalu diperkatakan org..aplikasi kepada budaya barat ini menular begitu parah dikalangan masyarakat malaysia khususnya melayu.."apa barang x sambut valentine bro!!!!","Layan valentine la sayang","mlm ni kita kuar sambut valentine ya sayangggg","ni la hadiah tuk hari valentine tahun ni darling..."ni la sedikit sebanyak karenah budak2 yg sambut valentine...aku x tau la ke-best-an hari ni..coz aku pon x penah sambut...hehehe.maybe la x pena sambut..tp bg yang da biasa sambut tu aku x tau la...aku x da kuasa mau halang korang sambut..itu hak anda.hidup sebagaimana yang anda tentukan-u mobile...hehehe..tp kalo mau tentukan hidup tu kena ada caranya la...cara kena mantap..mantap kena "masok"..masoknya kena la ada tune...tune plak x ble lari dari tune asal....nnti sumbang la bunyinya..hehehe..tp kalo korang nak tau la kan..eraikan Hari Memperingati Kekasih pada 14 Februari boleh dianggap murtad atau terkeluar daripada Islam jika cara melakukannya mirip dengan agama asal perayaan itu(agama yg related la)...ni bukan aku yang cakap suka arrr.ni mufti Perak yang cakap....bukan juga mufti perak suka2 bg kenyataan ni..tp fakta ni dikukuhkan dengan hadis...jgn main2 bro..kalo bule couple yg nak sgt2 bercanda x payah la tiru 'stail hari valentine....apa bule wat da memang darah remaja..panas n bergelora..Aisehmen...hehehehe.padahal yg cakap ni sama dengan ja..hehehe
tp yg penting usaha kita tuk avoid benda tu pun da cukup molek doh...at least benda ni bule igtkan kita yg hari kekasih ni bukan tradisi kita,bukan ajaran agama,bukan anjuran kerajaan,bukan lesen kita utk wat benda yg x elok....huhuhuh.sama2 la kitamemperbaiki diri kita.....InsayaAllah..nnnti kalo ada masa aku wat review sket pasal Valentine day ni...tgk la mcmmn ek..

Bangsa yang Hina...

kesinambungan perjuangan bangsa yang paling keji di dunia ini adalah igin membuktikan bahawa bangsa mereka adalah yang paling hebat dan pandai....teknologi,kepakaran,kecantikan dan lain2 lg, semua mereka sapu....produk,makanan,brand,apa2 ja la....semua mereka yg kawal....p@k$ma mereka...s%al...bahlul...keji...di ruangan ini saja la aku melepaskan kebencian yang teramat sangat...baru2 ini aku aku ada chat ngan kawan psl menatang ni... salah satu part yang aku suka ialah dia kata, kenapa kita nak sangat boikot barang israel kalo kita x bule lari dari barang2 'anjeng ni..hari2 negara kita bergantung ngan produk ia...tp belagak nak boikot...pemikiran kita da di kebas oleh depa...muzik,trend,fesyen,tarian,pendidikan n etc la....dah barang2 depa ja yg power,kualiti,branded...nak guna brang local x kualiti plak...so kita terbelenggu n tersepit antara benci n kebiasaan......at least kita bule kurangkan sedikit dikit barang yg bule kita boikot...tabiat menghalang kewarasan.. so why we must gambling with the devil???anyway........F@#$%*K ISRAELIAN>>>>>...F$$&*K YAHUDI.

Gadisku-Search

satu benda yang aku suka....Jamming...tp ni tem annual dinner kelab...syukur la member ajak men tem tu..bule la men2 sket...lagu suzana n lena di ulit intan..aku men ikut ja..x da la reti sangat men gitar...follow awang(1st gitar) ja...sbenaqnya kau lg suka nyanyi daripada men gitar..kalo men gitar smbil nyayi x feel la.wakakaka.poyo la ayat..cuma kalo sorang2 or lepak2 ngan member2 bule la men gitar sket..men kampong2 sudah.yg penting layan.aku bule nyayi n kwn2 bule melalak..hahaha.tp aku kalo ikutkan ati la kan...aku ni teringin jg la mau terer men gitar..mau sangat2..tp tu la..mls plak mau bljr men gitar.+segan+malu+x da masa+x sungguh2+macam2 la..best jg la kalo dapat men gitar mcm legend tu..yngwie,satriani,steve vai,vinni moore,tommy iomi,kirk hamet,petruci,angelo...hahaha..nyk lg r..tp idola no 1 tetap Slash r...hehe.
kalo local plak...mcm besa la Man kidal,joe wings,samad,kid search,hillary, n dll..gitaris2 ni suma mang gua respek beb..dorang men memang best..especially kid search..perggggghhh..da men memang sempoi la..memang dia suka men sumbang..kreatif mcm slash la...hehehehe..tengokla kalo ada rezki aku mau jumpa dia la...saja mau tgk depan2.hehehe org kampong la katakan.x pena jumpa artis2 ni..hehehe..susah2 aku jd artis sudah!!!!!...tp kalo artis yg bernama ADAM...puiiiii aku mang x suka...poyo abes!!!!!ADAM poyo...hahahaha.sapa jumpa ngan ADAm af tu kem salam sm dia..ckp aku x minat dia..buat malu jak..hehehehe..tp aku x da la benci dia mcm aku benci Israel...just x minat kat Adam AF ja la..Caw....

Tentera rejim Zionis sengaja sasar orang awam di Gaza

Seorang penduduk Palestin menceritakan bagaimana beliau menjadi saksi pembunuhan dua anak gadisnya manakala seorang lagi cedera parah ditembak tentera Israel yang muncul dari kereta kebal dan melepaskan tembakan walaupun mematuhi arahan supaya meninggalkan rumah mereka.

Khaled Abed Rabbo berkata, Amal, dua tahun dan Suad, tujuh, ditembak mati oleh anggota tentera rejim Zionis yang menggunakan raifal separuh automatik. Sementara seorang lagi anaknya, Samer, empat tahun, dipindahkan ke unit rawatan rapi di hospital di Belgium selepas mengalami kecederaan tulang belakang teruk.

Sem baru sesi 2008/09

Cuti akhir sem dah abis..so skrg ne stat da lembaran baru tuk bljr blk!!..hehehe...maybe awal2 sem ne bule rilek sket la..tp tggu la nnti belambak la keja tu nnti...masing2 dah muncul dgn penampilan yg baru..ada yg x blk kg coz terlibat ngan mhs..Tautan warisan pon mantap jg.hihihi..tp apa pun aku ucapkan la selamt maju jaya dan belajar leklok..

study week

So far so good...the worse word that crawl on my head...no need to stress guys..just imagine that u all never give up to make ur own a piece of glory..hehehe..
'Dekan??'...for me its so hard to do jef..like say 'x bule la jef'...maybe we just hold the time to make it available..like a scroll poll,just layanzzz..practice make perfect..sometimes practices make enjoy...so wish u all gud luck n try u best..There is no real learning taking place in all that two or three weeks allocated for these examinations. If you know, you can answer; if you don't know, you just can't answer;if you both u can out from the exam..The "weak" students, on the other hand may try to answer what they can or just "sleep through" the one to two hours allocated for the paper if they are not allowed to leave the examination hall/ classroom ear-lier. The "average" students "soldier on" and may get the right answers.so which one u'll choose guys???hehe..So Why Do You Like To Suffer Like This Jef??hahaha..just do it.bye..

CCTV clips may hold key to missing boy

Three friends of the missing 11-year-old boy, who claimed to have seen Asmawi at Midvalley Mega Mall on Wednesday, have been called in by police for a second time to review more clips from the CCTV camera system.

The friends could not identify him from the first set of images they were shown, so police got several other clips for them to view.

They showed a boy believed to be Asmawi with one or more adults who could be his kidnappers.

Sources say police are banking on the friends for more leads to who may have abducted Asmawi.
Brickfields acting police chief Superintendent Azri Abd Rahman said that on Friday, the three boys were taken to the Federal Police Sexual, Abuse and Child Investigation division (D11) in Bukit Aman to be interviewed by experts.

"We need to get more details from them, and the experts may be able to coax them into revealing more," said Azri.

He said police were still investigating the RM5,000 ransom demand Asmawi's family received by text message on Wednesday.

Yesterday Lembah Pantai member of parliament Nurul Izzah Anwar spent about an hour with Asmawi's mother at her Pantai Dalam home.

She assured Rozita Abu Hassan that everything possible is being done to find her son.

"I implore the kidnappers to return Asmawi unharmed," said Izzah.

Said Rozita: "She (Izzah) gave me strength, asking me to pray for Asmawi's safe return. She said I should not act on my own in trying to find him, but I should let the police do their job."

Asked whether she was angry at whoever might have taken her child, Rozita said: "I'm not angry, as long as that person returns Asmawi unharmed."

The Year Five pupil of Sekolah Kebangsaan La Salle Brickfields went missing about 6.30pm on Sunday.

He and a friend had gone to a playground about 200 metres from his home about 5pm.

Anyone with any information on the boy's whereabouts should contact the nearest police station or the Brickfields police at 03-2274-4465.

Keep Looking for Sharlinie

Haloo everybody..till now this wide of my fear is that if the momentum of the search is not maintained, she may not only be gone but after a lapse of time, forgotten.

A massive nationwide search for the missing girl has proved futile but the search is not about to end, not as yet, as according to the police, the case will not be closed.

In retrospect, it is heartening to note that posters of the missing girl are still being prominently posted at shopping complexes, my around UTHM and anywhere.Please try to do something useful.

The media and the banking and telecommunication sectors are still contributing in their own way, appealing for information on Sharlinie's whereabouts.
We, too, as caring Malaysians,sabahan,sarawakian share the same obligation. Look around your surroundings and neighbourhoods. Be curious and you may, by chance, find the vital lead or piece of intelligence or information that we have been searching for all this while to help trace Sharlinie.

I feel Sharlinie is still with us but confined or restrained from seeking help.

She may even be in public places but with her appearance changed a little for obvious reasons.
I hope for u all guys if u find her please do not hide and take some advantages for her...PLEASE ALERT!!!!..

What Makes A Guitar Player?

You might well ask. The age of the guitar hero seems to be well and truly over although there are still large numbers of people interested in listening to, rather than playing, the guitar. Real enthusiasm for the electric and acoustic guitar blossomed in the 1960's and 70's when everybody had a friend who sat in his bedroom all day and night practicing the guitar. Indeed this willingness to devote all of your time to a musical instrument is one of the principal ingredients of a guitar player. During these long hours spent alone with your guitar you acquire musical knowledge. You learn esoteric terms like "pentatonic scales" and "CAGED" finger patterns. Not only do you learn these terms but they actually become part of you. You can live and breathe chords and scales. You also learn to read written music. Guitar tablature might be your first portal into the world of learning music from a sheet of paper, but you will probably also learn conventional sheet music. Why would you learn to read sheet music if tabs are quite easy to read and give you a quick way of learning songs? Because the theoretical side of music becomes interesting. It's a thing of beauty, and you discover it in your bedroomy world of the sound of guitar notes and the smell of old socks. The other thing you discover through relentless practice is technique. Your fingers show that they can do things you don't even know about. The intelligence in your body has taken over and left your head brain for dead. You pick up your instrument and the hours of practice pay off in the way your body can translate dots on a page to music. Improvisation also grows from learning scales and chords and putting them into practice. Your first clumsy efforts at using other people's riffs and licks to help you in letting go and experimenting with making music spontaneously gradually transform into a daily ritual you can't live without. So here is a list of guitar players. Although you can probably name a hundred great players from rock or blues, I've put together a list from many different styles of guitar playing: Jimi Hendrix and Eric Clapton led their fans into the age of the guitar hero. Jimmy Page was a legend from very early in his career when he played guitar on many iconic songs of the nineteen sixties as a session guitarist. Paco De Lucia led a new age of flamenco playing in the seventies and still commands attention when he appears on stage. Julian Bream battled many difficulties to share the limelight in the idiom of classical guitar with his more flamboyant friend, John Williams. Improvising using only two fingers on his left hand, Django Reinhardt introduced jazz fans of the nineteen thirties and forties to the sound of acoustic instruments with his Hot Club Quintet. Stevie Ray Vaughn mesmerized his followers with his inventiveness and depth of feeling in his electric guitar music. And, finally two icons of the early sixties electric guitar scene - Hank B. Marvin whose warm overpowering sound made teenage boys wish to make guitar music, and Dick Dale who fired the imagination of young people with his frenetic surf guitar. I hope this little essay on what drives the novice guitar player and the wonders to be found in the practice of guitar playing has been enjoyable and has given you some insight into what a guitar player is made of.

Commercial Mortgage Refinancing

Are you considering refinancing a commercial mortgage? There are several factors to consider that make commercial mortgage refinancing a viable option.
Here are some questions to ask when considering refinancing a commercial mortgage:
Can I get cash out?
Can I lower my interest rate and/or payment?
Are there any balloon payments?
Are there limits on the use of funds?
Are there commercial refinancing options for borrowers with bad credit?
How much are my out of pocket expenses?
Are there any monthly or annual reporting requirements?
What is my borrowing limit?
What are the Loan-to-Value (CLTV) Limits
Can I get cash out?
If you need funds for renovation, repairs, business expansion, or any other reason, a cash out refinance may be a good source of immediate funds.
Can I lower my interest rate and/or payment?
If you are paying high interest or a high payment on your mortgage , you may want to refinance to a lower rate or lower payment to reduce your costs.

Are here any balloon payments?
Balloon payments are common in commercial mortgages. Many borrowers refinance to avoid balloon payments. You may consider a refinancing program that does not require any balloon payments.

Are there limits on the use of funds?
Many lenders have restrictions on the use of funds in a cash out refinance. Be sure to find out if any such restrictions exist in the loan you are trying to get.
Are there options for borrowers with bad credit?
There are many loan options for borrowers with bad credit.
How much are my out of pocket expenses?
Closing costs on a typical transaction include an appraisal and possible points. Expect to pay approximately $3,000 in closing costs to close on a commercial mortgage refinance.
Are there any monthly or annual reporting requirements?
If the borrower does not act in accordance with the monthly or annual reporting requirements, the loan can be considered in default. You want to avoid loans that have such requirements.
What is my borrowing limit?
Commercial mortgage refinances have lower loan limits that commercial purchases. Limits are usually $1-$1.5 million.
What are the Loan-to-Value (CLTV) Limits?
Loan-to-value ratios in commercial refinance loans are as high as 97%.
Are there no doc or limited documentation programs?
No doc or low documentation commercial mortgages typically have higher interest rates and lower loan-to-value ratios.
Eliot Hobbs is a small real estate developer and commercial mortgage referral agent. More information can be found at http://www.dsmallbusinessloans.com

Article Source: http://EzineArticles.com/?expert=Eliot_Hobbs

Loans

Is looking for a home loan giving you a headache? All those lending institutions, their commercials, so many loan programs to choose from? They all start looking the same. How can anyone pick the loan that's right for them?

You need to start your due diligence. Learn the type of loan that suits you best. Knowledge is the key to finding the right deal. The bank loan agents or loan brokers want to fit you into the program they think is best one for you.

You need to know about no income verification home equity loans. This is a second mortgage loan that does not require you to provide income documentation to qualify for the loan. If you do not have enough equity in your home you can still get a loan that is 125% of your homes value. Debt consolidation loans are for those who have a really unmanageable amount of credit card debt. Use this loan to pay off all your debts with one payment each month and it's tax deductible. Bridge loans, as the name implies, is a loan used to bridge the financial gap between money required for your new property completion, prior to your existing property having been sold.

You can get personal loans, business loans, even loans for your wedding, SBA loans or a loan if you are unemployed. What ever your circumstance might be, most likely there is a loan out there for you. A good place to get more information is on the web.

The process of buying a home opened my eys to how difficult this could be. Over the years I learned that when seeking a loan, you need to have some knowledge of the lending industry. Their are a lot of sharks out there preying on consumers that don't have a basic understanding of the loan process. I wrote this article for consumers to inform themselves and I strongly recomend that you viset this web site http://www.yourrehome.com, it has crucial information on just about every type of loan available. If you need someone to help you with a loan, I recommend Audrey L. James with Residential Pacific Mortgage. She is very knowledgeable of the lending business and has unimpeachable integrity. You can contact her at http://www.rpm-mortgage.com/ajames

Article Source: http://EzineArticles.com/?expert=Lawrence_James

How Does Music Help Foetus

The following article covers a topic that has recently moved to centre stage - at least it seems that way. If you have been thinking you need to know more about it, here is your opportunity.

Those of you not familiar with the latest information on music and feotus now have at least a basic understanding. But there's more to come.

Music is important in prenatal training. It helps to heal and produce a soothing and calming effect for mother and baby. One of the things that mothers should note is that before you can introduce music to your baby, you should first be able to enjoy it yourself. If you convey that you are not comfortable with music, he or she too will not be able to enjoy it.

Songs

Mothers who sing lullabies or children songs for the unborn baby are creating prenatal memories for the children later. When mother sings a song for the unborn baby, the baby will feel the love sent to the womb. It helps the baby to grow physically, emotionally, mentally and spiritually. For instance, my second son sang "I love you forever" at the age of 2 years old. He loved this song because he heard this song when he was in my womb as I used to sing it to him constantly.

Another example was my first son who is more proficient in English. Yet at the age of three, he sang a Cantonese song "Little Po Po", a language that he is not familiar with. He told us he could remember that song because grandma (who is a Cantonese) sang this song to him when he was in my womb.

In my third pregnancy, I incorporated music and singing into my prenatal training. I started to play the piano and sing children's songs to my third child. I noticed that as I sang the songs, my third child would make movements in my womb. His response in turn motivated me to continue singing to him. While I was singing these songs, I felt my energy level improve and shift to the positive. I became more energetic and it helped me set the right mood for the day.

Relaxation Music

I like alpha, heartbeat and Mozart's music. I listened to it constantly throughout my pregnancy with my second son. I felt relaxed and peaceful while the soothing music was playing. Two years later, to my surprise of course, my younger son told me that he too loved Mozart's music. We have now made it a common practice to turn on Mozart's music at night while reading story books to our children. In addition, he likes to listen to the heartbeat music before sleep. Music plays an important role in our lives. It helps us to relax and enjoy our lives.

Use of relaxation music and songs will have soothing and calming effects on mothers and unborn babies. You also create an instant connection with your unborn child through music.


As your knowledge about music and unborn baby continues to grow, you will begin to see how it into the overall scheme of things. Knowing how something relates to the rest of the world is important too.

Disclaimers: The author shares this article based on her personal and work experience and disclaims any responsibility for any liability, losses or damages and /or application of any of contents of this article.

Ms Mak Wai Chong, a mother of 3 children, is a freelance trainer and counsellor. She has worked as social worker and counsellor for 17 years. Visit her website at WiseParents.net for prenatal training and parenting information and FREE newsletters.

Article Source: http://EzineArticles.com/?expert=Wai_Chong_Mak