Colour Vertigo News

When you’re selling your home, you have to be familiar with related real-estate lingo. You have to know the difference between a canopy and an awning; a mortgage and a loan; and most importantly, the difference between a deposit and a down payment.

Believe it or not, there are a lot of home sellers who think that deposits and down payments are one and the same, when in reality they are not.

A deposit is the money given or handed over to the owner when a buyer indicates a sincere desire to purchase the property being sold. It is a token amount that could be as small as a few hundred dollars, or as big as 5% of the total purchase price. The deposit can be returned when the transaction does not fall through for reasons beyond the control of the buyer, and can also be forfeited in favour of the seller. When the purchase pushes through, the deposit is credited to the buyer and forms part of his down payment.

A down payment or equity, on the other hand, can be considered as an initial payment on the property itself. It is given when the buyer has decided to actually purchase the house (unlike in deposit, where it is given when the buyer indicates a desire to buy the unit). The down payment is the total amount of money a buyer can give as a partial payment and is generally of a bigger value (10% of the total property cost, or more) than regular deposits.

It’s fairly easy to differentiate. Just remember that a deposit is smaller and, once the transaction pushes through, becomes part of the down payment. The total of these two, plus any outstanding balance, should be the agreed upon purchase price of the property.

The Hotel industry is expanding with every passing day due to the boom in leisure and corporate tourism. Frequency of travel has increased over the past decade, leading the hotels to compete in every manner to attract more guests and give them a comfortable stay. Hoteliers know the fact that if they want their customers to choose them over the competitors they have to provide something extra to the guests. Most important one is by offering the quality and right hotel amenities to the guests at suitable rates. If you want your hotel to succeed than it should keep itself ahead in the current trends which will ensure better occupancy rates.

You can start on the hotel amenities services by providing the basic things and supplies like toiletries, towels, hangers, etc. These basic hotel supplies are targeted towards providing the guests ultimate convenience and feel at home factor. However the definition of basic hotel supplies differs on the hotel class and type. The Hotel industry is a highly competitive industry and competes with one another for business. Thus the hotel amenities and supplies that they provide are part of the competition which concerns things like- how many amenities are being offered, its types and the quality and design of the products.

Guests’ expectations of such supplies are affected by the type of hotel and its sophistication level. Hangers, ice boxes, absorbent towels, exquisite bed linens, wooden luggage racks, etc these are basic hotel supplies for mid level hotels. The main aim for providing such extra luxury items is to increase the occupancy rates of the hotel rooms. As the level of the hotel goes up, so does the quality and number of hotel supplies and amenities.

Hotels and resorts that are 5-star and above provide a high level of guest services and amenities to attract and sustain high-end guests. For instance- shaving kits, medical kits, microfiber Bathrobe and towels, shaving mirrors with fog-free feature, in-room lockers, refrigerators, mini bar, etc are just some examples of high quality hotel supplies of such luxury hotels and resorts. Not only do such additional amenities attract new guests but they also increase the occupancy rates.

Guests give rating’s for the hotel supplies and guest complementaries they utilize based on there quality and there convenience. When an hotelier is in the process of deciding which hotel amenities they would provide, a number of factors would influence the decision like- the budget, expectations of their guests, type of guests they receive, etc. The value and importance of hotel supplies cannot be overlooked as they have direct Affect on the occupancy rates.

Integrated Resorts by definition are resorts with mixed development like hotels, restaurants, convention centre, theme park, shopping centre, casino etc. Because of the gaming component – casino, integrated resorts development has stirred a great controversy among the Singaporeans.

The Prime Minister of Singapore, Lee Hsien Long announced the cabinet’s decision to develop 2 integrated resorts in Marina Bay and Sentosa. The Singapore Government stated that the aim of the Integrated Resorts is to boast the country’s tourism industry. There has been very keen competition from the neighboring countries like Malaysia, Thailand and Hong Kong. According to the Government, the Integrated Resorts are expected to create some 35,000 jobs directly and indirectly.

There has been debate among the Singaporeans on the plan to build Integrated Resorts. Religious groups and social workers voiced their disapproval at the negative social impact of gambling.

The Government however, promised to have a proper and strict safeguard to limit the social impact of gambling, among others exorbitant entrance fee and the casinos would not extend credit to local population.

Marina Bay Sands

It is located at the Marina South of Singapore. Currently, there are a few pretigious hotels operating like Ritz Charlton Millenium, Oriental Hotel, Marina Mandarin and Pan Pacific Hotel. It will have a panoramic view of the sea and tranquil environment.

The Government of Singapore called for request for concept in December 2004. It received overwhelming response from the industry. A total of 19 bids were submitted during the request for concept.

In the formal bids later, 4 companies/consortiums submitted their tender including:- (i) MGM Mirage/Capital Land, (ii) Harrah’s Entertainment/ Keppel Land, (iii) Las Vegas Sands and (iv) Genting International/Star Cruises.

Eventually, Las Vegas Sands succeeded in their tender, by committing the highest development investmetn of S$3.85 billion. The concept was designed by Moshe Sofdie consisting of 3 layers shells containing conference halls, 3 hotel towers linked to top floor of a sky garden.

Resorts World at Sentosa

Sentosa which means transquility in Malay is a popular island resort in Singapore. Previously, it was known as Pulau Belakang Mati (Island of Death from Behind). Statistics shows that it has been visited by some 2 million people annually. It has a sheltered beach of more than 2 km in length on the Southern coast, historical Fort Siloso from World War II, two golf courses and 2 5-stars hotels.

The island has an area of 5 square kilometres. 70% of it is covered by secondary rainforest. It is the habitat of monitor lizards, monkeys, peacocks, parrots as well as native flora and fauna.

Since its inception of development in 1972, some S$420 million of private capitals and S$500 million Government fund have been invested to develop the island.

3 consortiums submitted their proposal on 10 October 2006. They are: (i) Kerzner International with Capital Land; (ii) Genting International with Star Cruises Universal Studios and (iii) Eight Wonder with Publishing and Broadcasting Limited, Melco International Development Limited, Isle of Capri Casinos Inc.

The bid were reviewed by a ministerial committee and a tender evaluation committee and results were announced on 8 December 2006. Genting International and Star Cruises won the bid. Genting committed to a development investment of S$3.85 billion.

With these 2 Integrated Resorts completed and in operation by late 2009, Singapore will be placed at a totally better position in tourism industry in the region as compared with its competitors.

 

Scrabble is a popular family game for all ages, this article looks at the benefits of scrabble for kids and adults alike.

Scrabble was invented by Alfred Mosher Butts back in nineteen forty-eight, and since then it’s been a favorite game for generations of families. Not only is Scrabble a great educational tool to build word ability and comprehension, but it aids in lateral thinking and vocabulary enhancement.

Scrabble has surpassed several other competing word games in popularity over the years, and has found a new life in online word game such as Words with Friends for entirely new generations of people. With the advent of the internet, a whole range of additional tutorial, tip, and tricks have found their way into common availability. There are several experts who devote their time to producing a scrabble dictionary, word lists or cheat hints to develop players from beginners into advanced gamers who can compete in tournaments and online competitions.

The health benefits for children are numerous, from developing an excellent vocabulary to the ability to critically weigh different strategies. It’s a great skill to teach a child to think beyond the immediate gratification of creating a word now, versus holding your letters in order to play a longer and higher scoring word later. In addition to these benefits, the ability to patiently see a game through to the end is an invaluable asset which will help a child in life in general.

The mental concentration required to puzzle through different word options in Scrabble also puts the brain into a meditative state much like taking a class of yoga or meditating. Taking this time to deliberately relax and engage in some mental exercise is a great way to reduce stress and anxiety. Although this is great for general relaxation in the evening, one recommendation that has been made is that you should not play scrabble too soon before retiring for the night, as it’ll leave your brain in a ‘puzzle’ state for an hour or two and make it more difficult to sleep. Scrabble is a very analytical game which is similar to solving a Sudoku puzzle or playing a pen and paper game such as hangman. Gradually absorbing the rules, and knowing when to consult the Scrabble dictionary builds confidence and vocabulary.

In addition to these benefits, it’s a great social outlet for older people who club together to play Scrabble. A lot of friendships have been forged by people who have met while playing Scrabble, be it in a home for the elderly or a youth group for teenagers. Taking the time to share some competitive play with another person is a wonderful ice breaker, and by carefully looking at the type of words a person makes you can determine their interests and viewpoints on the world. If you get really good you can enter tournaments, and extend your competition beyond just playing each other into the realm of expert play.

If you’re having trouble with your scrabble game, be sure to check online resources which can enhance your abilities with easy to remember word lists, articles and scrabble cheats to help you get a quick advantage over your opponent.

Meet the Chontaduro or Palm Fruit

What’s that?” I asked staring at the plum-sized fruit the woman peeled in her hand.

These are chontaduros from the coast.” “How would you like yours?

How can I have them?” I queried back.

You can have them with salt or honey.

Then give me two of each.

The middle-aged Black woman sat on the top stair leading into the strip mall. Her clothing was well worn, reflecting a hard life and lower stratus. She set to work straightaway. After peeling four of the fruits she cut them in half lengthwise to pry out the single black seed in the center using a small paring knife. Then she dipped the fruit into a small bowl of salt coating half of the fruit. Repeating the procedure with two more chontaduros plucked from a plastic basin full on her lap, she dropped these into a narrow plastic bag while drizzling a stream of honey first over one then another dropped into the bag on top of the first. A separate bag held the two salted ones. With the thick, tough skin peeled off, the lone seed removed and the fruit quartered, there is no waste. I preferred the salted ones.

A Little Known Culinary Treasure

Scientifically named Bactris gasipaes, the Chontaduro or Palm fruit as it is sometimes called, is common in many of the Pacific Ocean coastal regions of Colombia, Costa Rica, Panama, Peru, Venezuela and Ecuador. Varieties also grow in parts of the West Indies. Some of its many other names include Cachipay, Pejibaye, Pijuayo and Pupunja. The skin (epicarp) of the fruit can range in color from red to orange or yellow depending on the variety of the palm. It has a firm texture, slightly starchy taste and its pulp is dry and a bit stringy, but its popularity is extensive nonetheless. In Colombia, for example, it is used in dozens of recipes but is principally eaten boiled in salted water, peeled then dipped in salt or drizzled with honey. To date, the chontaduro has limited popularity outside its locally grown regions. This is beginning to change however, as its use in gourmet fare increases and its availability expands. The Palm fruit though, is a little known culinary treasure working its way up the exotic food rankings.

Cooking with Chontaduro

In sauces, soups, stews and baked delicacies though, the Chontaduro has no equal. The Palm fruit can also be used to make flour, jellies or pressed to release its high cholesterol content oil. Most people eat the fruit after its boiled in salted water, then peeled and dipped in salt, marmalade or honey. When the boiled fruit is peeled and seeded, it can be shredded, grated, ground or processed into a puree base, then used in sauces, crèmes or bases. A particular favorite is a cooked Palm fruit sauce poured over or glazed onto fish and seafood. Its unique flavor makes an interesting base for soups and stews. The pulp can be pickled, fermented, jellied or dried and ground for use in a broad range of additional applications. So if you’re looking to spice up your own recipes, try cooking with chontaduros for a unique flavor twist.

When people decide to leave the comforts of their home and venture to other locations there is usually a reason behind it. Whether the cause to travel was a last minute whimsy or had an actual purpose, it makes one think about all of the reasons why people travel. Reflect on the last time you left your location and ventured to another one. Did it have a purpose behind it? Let’s look and see if your motive to travel matched any of the one’s listed below. These are not listed in any particular order.

1. Romance- There are thousands of people who are involved in long distance relationships. At some point though, they need to see each other. For the sake of love, people will travel for hours to spend as much time as they can with the love of their life.

2. Relaxation- All work and no play is not a good thing. People need to get away from the stress of everyday life, and a nice sunny location with a beach might just be what the doctor ordered.

3. Family/ Friends -Many people have family/friends that are located in different parts of the world. They need to visit with them even if it’s for a short period of time.

4. Religion- There are places in the world that hold religious importance for many people. Religious travel is often related to a purpose such as seeing where the last pope was buried, or traveling to the town where Jesus was born.

5. Death- A relative, friend or acquaintance has passed away and travel is required to attend the funeral which is located out of town.

6. Honeymoon- You’re getting married and are going somewhere special to celebrate. This usually occurs right after the wedding, but there are many occasions where people celebrate a honeymoon years later.

7. Education-You’re getting your education somewhere other than where you live or you are going away on an educational school trip.

8. Celebration- Wedding, Anniversary, Birthday, Birth- There’s always something to celebrate and it doesn’t always happen where you live.

9. Medical/Health- Sometimes the treatment you need isn’t available in the city/town where you live. Often the best medical care is costly and requires travel to receive it.

10. Work- Job requirements might mean a fair bit of travel is involved. Even if the travel is within your own country it still has a purpose attached to it.

Overall, traveling can be a wonderful experience or it can be draining, expensive and just plain torture. Nonetheless if you need to go then embrace it for what it is, and try to make the best of it even if it wasn’t planned.

 

Are you interested in creating or adopting your very own virtual pet? You may have seen the new Webkinz plush toys that also come with a free virtual pet image of the plush animal. Many children are beginning to collect these pets as well as participating in the virtual world. Virtual desktop pets offer great advantages, especially if you have children who have an interest in getting a live indoor pet. They are completely maintenance free unlike real pets. If you do not want to have to worry about the hassle of cleaning after your indoor pets and ensuring that they are well taken care of, then a virtual pet may be the way to go.

In addition to the maintenance free aspect of having one, if you have a child interested in adopting a real pet, then by allowing them to experience caring for a virtual pet, they will learn how to better care for a pet overall. They will gain better responsibility and understand that pets require food, shelter, and love and cannot be neglected. Many of the virtual pet games will require that the owner feed the pet or take the pet for a walk so that they can do many of the same or similar tasks that would need to be done with a real pet. The owners can get additional points or rewards by doing these tasks or can see their pet’s health or abilities decline for failure to do their part.

If you worry about the expenses of caring for a real live pet like the vet bills, immunizations, or food, then this is something that is completely non-existent. Owning a pet can be very costly and if you do not have the money to invest in a pet, then you can consider a virtual pet. You can find many free pet sites to get you started.

If money is not a factor, but you do not want to deal with house training or cleaning after a pet, then this could also be considered to be an advantage as well. Maybe your kids have severe allergies and cannot live with the fleas and ticks that some animals may leave behind. Well, with virtual pets this is not a factor. As you begin to consider adoption, then you will see how convenient they are and how they can be great companions for all alike. Either way, you will not go wrong with your choice.

 

A Public Improvement District (“PID”) is a financing tool created by the Public Improvement District Assessment Act as found in Chapter 372 of the Texas Local Government Code. The PID enables any city to levy and collect special assessments on property that is within the city or within the city’s Extraterritorial Jurisdiction (“ETJ”). A county may also form a PID,but must obtain approval from a city if the proposed PID is within the city’s ETJ. The PID establishes a mechanism to finance improvement projects through the issuance of bonds secured by special assessments levied on all benefited properties. Because PID bonds can be used to reimburse the developer for eligible infrastructure early in the development process, often before the closing of the first home.

Public Improvements Eligible for PID Financing are; Acquisition of Right of Ways, Art, Creation of pedestrian malls, Erection of foundations, Landscaping and other aesthetics, Library, Mass transit, Parks & Recreational or Cultural Facilities, Parking, Street and sidewalk. Supplemental safety services for the improvement of the district, including public safety and security services. Supplemental business-related services for the improvement of the district. Water, wastewater, health and sanitation or drainage.

Benefits of a PID

A PID may be established early in the development process allowing the developer to be a reimbursed upon completion of the public infrastructure. Furthermore, unlike a Municipal Utility District (“MUD”), Water Control and Improvement District (“WCID”), or Fresh Water District (“FWSD”), PIDs do not require TCEQ approval, and are governed by the governing body of the city or county, thereby alleviating concerns regarding board turnover and the integrity of the board. If the city chooses to annex property that is within the boundaries of a PID, the city is not forced to pay off the assessments, and the assessments do not affect the city’s debt capacity or rating.

Most pet guardians consider their pet’s family members. After the death of a pet, many pet owners undergo all of the human bereavement processes. Animal reincarnation is a new spiritual perspective and resource for pet loss grief support.

Are animals’ and pets’ soul contracts are real. Yes! The first type of animal soul contract is called “Karmic.” A karmic contract affects destiny within a single incarnation. A Karmic contract is limited to that particular lifetime and can still be segment of a larger soul commitment for multiple reincarnations within an owners life. Here are a few examples:

1. A bomb squad dog that dies discovering a mine field to save his platoon.

2. A therapy dog that inspires an assisted living home’s Alzheimer’s patient to speak for the first time in many years.

These are experiences that affect their human companion’s destiny. The animal’s Karma (or soul’s choice) facilitated the outcome of the interaction with that human.

The number of agreements made between a pet’s soul and their person determine the quantity of pets’ past lives an animal will share with their companion in a single life or throughout multiple lifetimes.

Below are several types of pet spiritual arrangements that an animal can configure in his reincarnation process:

Oversouling: Is when the late pet contracts to direct a new or former pet from a “higher” perspective.

Walk in contract: Is when the deceased pet’s energy moves into another pet’s body that has agreed to relocate when the departed pet’s energy reincarnates.

Soul braiding: Is a shared contract when the deceased pet returns as a roommate within a current pet’s body.

New body contract: The pet’s energy that passed returns in a new physical form.

Animal afterlife is the timeframe when a pet’s life force energy resides in a sacred place after they have transitioned over the Rainbow Bridge. A pet’s soul can be “in-service” or live in this dimension forever or they can choose to reincarnate.

Therefore after the death of a pet and during your pet loss grief, hold faith in your heart that your pet’s life force energy and love is never ending. The reincarnation process has been embraced by many of the world’s oldest religions. Even if you’re a skeptic, what have you got to lose by considering the possibility?

If it’s what you contracted to do, it might just be only a matter of time until your beloved animal companion returns to be with you!

The 70’s what a great decade for music and for music lovers too. Music of the 70’s has had a lot of influence on the music we listen to today and of course there are some of us who still have some of our favorite 70’s records and listen to them still. Some of the genres that really came into their own in the 1970’s are Classic Rock, Disco, Southern Rock, Punk Rock, and the birth of Heavy Metal although it was originally known as Hard Rock as well. No matter if you were born into a younger generation there is more than likely a 70’s song or album that you listen to so lets look at some great albums of the 70’s.

More than likely, regarding the music of the 70’s the music genre most closely related to that American decade is Disco, which really came on strong in the mainstream after the film “Saturday Night Fever”. The soundtrack from that movie went on to become one of the greatest selling albums of all time too. Rolling Stone magazine in 2003 placed the album on their 500 greatest albums of all times list, and in the same year, VH1 called it the 57th greatest album of all time. With songs like “Staying Alive”, “Night Fever”, “If I Can’t Have You”, and “Boogie Shoes” it is no surprise that this album soared to the top.

Another genre that really increased in popularity during the 1970’s is Southern Rock. There were a whole slew of Southern Rock bands in the 70’s that really exploded on to that music scene too. Bands like the Allman Brothers, The Outlaws, and Molly Hatchet made some great music, but the ones who set the standard of Southern Rock music of the 70’s is none other than Lynyrd Skynyrd. Lynyrd Skynyrd had four platinum albums in the 70’s, three of which went double platinum. Street Survivors however, showcased the 3-guitar attack of Gaines, Collins, and Rossington behind Ronnie van Zant that other bands try to copy today making Street Survivor their most important album in the 70’s.

The genre of Progressive Rock is another style of music that while born of Psychedelic Rock in the 60’s, really made its bones on the back of earlier artists in the 70’s. Bands like ELO, Utopia, Kansas, and Rush moved into the forefront of the genre maintaining the core of their listeners, while making Prog Rock Top 40 friendly as well. Of all the bands mentioned Rush really is the standard by which all other Prog Rock bands are measured by. Perhaps their most significant contribution in vinyl to music of the 70’s is the bands album “2112”, and the boss track on that album “Passage to Bangkok”

The last of the genres we are going to talk about is of course Heavy Metal, which assaulted Rock and Roll and went mainstream in the 70’s Motorhead, Judas Priest, and Iron Maiden found a home within the genre making fantastic music, but the band that made it all possible is of course Black Sabbath. The album “Black Sabbath” is the undisputed father of Heavy Metal music of the 70s as well as Heavy Metal 70’s records. The three tracks that everyone mentions when discussing this musical masterpiece are “N.I.B.”, “Black Sabbath”, and “Warning” and all agree that this album is the greatest ever of the 1970’s Metal scene.