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House and Home

Manage Your Family Calendar

 
 

Most of us might find this usual: Last season you were looking for a house. You called Chicago real estate agents, saw some Chicago homes, and at last moved into one. You are all set and life is going as always. However, if you sit back and inspect at your everyday routine, you will see a lot of haphazardness in it. Your children do not assist you with the dishes, you have to clean the rooms on your own, sometimes the laundry is postponed, and so on. What you require to do is create a proper family schedule and systemize your time according to that. Furthermore, you are not going to be alone at this, all the family members should cooperate with you.

If you are a working woman, things are tough for you. However, you should make it clear to your children that you have a job and they will have to understand your professional requirements too. Thus, you deserve a hand in doing all the chores and family members should help you. Even if your work hours are flexible you need to provide sufficient significance to your work schedule as well as, your home schedule. Every member of the family should have a certain job to do. All the family members should be responsible about the particular responsibility they have. As you spread the chores among members, at the end of the day, you will only have some degree of burden on your shoulders, and ultimately you will feel relaxed as all the chores would be finished on time. You can also swap these tasks from time to time so that the members are not bored of what they are supposed to do.

In your schedule, you should add some fun element. For example, mark a day each week on which you head out for a movie, dinner, or an amusement park. This will be very helpful in family ties. Furthermore, this day must be only for the family and you should not arrange for a day out with your fellows or colleagues on this very day. You should consider certain changes that suddenly arrive. These changes can disturb your schedule. For example, you had a bad day at office, or you are ill. The movie outing will have to be carried for next week then.

On the kitchen counter or on the refrigerator, set up a family calendar. Make sure this is visible to all the family members during most of the hours of their day. On this calendar, mention all the imminent events of the upcoming week so this is how, you will be able to keep everyone updated about different happenings. You can also set up some guidelines. This will make the complete atmosphere disciplined. You should let family members know about some regulations that operate in the house. For example, the frequency of each member can go out with fellows once in 7 days, the maximum time till which they can remain out, breakfast to be done with family, etc.

Keeping everything organized in the surrounding of your house will be of immense assistance to you. You can now manage the chores well and the complete discipline of your living place will be sustained.

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Be the first to comment - What do you think?  Posted by Ricardo - September 8, 2010 at 11:13 AM

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You Have Wanted Cash In Your House And Need To Sell Property Briskly To Attain This You Should Utilize A Quick Property Sale Company

There was a time when about the only process that most property owners could use make a Fast house sale was to list their premises with a traditional estate agent or advertise it independently through newspapers. With the presence of the net and the powerful search engines that are now discovered online there is now an entire new world opened to those who want to Sell property fast.

These estate agents and property investment brokers will still have a hold on any housing market worths and they are continually pressuring the government to change any estate agent rules that will favor them over an individual house owner. Nonetheless times are changing. So what if a house owner has a house that has little or no equity in it? What if that house owner finds themselves in a situation that sees them not being able to afford to pay their home loan? How would they be able to relieve any fears of this strain through an estate agent? Well they cannot as there is no money to pay the five percent or more commission that the traditional estate agent may charge for a Quick house sale.

Here is yet another standing to contemplate. What if a property owner has a house that there is good equity in but they require to Sell property fast because of any recent circumstances? Here still a traditional estate agent is not set up to achieve a Fast house sale as they are just not set up that way to do it. It will take at least two weeks or so just to get the house listed on to the market with images attached and this will see much less interest generated on the house as it will not be visible to many potential property buyers. These and plenty other situations are real reasons to ponder a Quick house sale or property investment company for the benefit of your house.

Here are some of the many advantages to consider. They will be able to act briskly, they are well funded and are set up with main solicitors that are able to close these property deals briskly. They will buy the house as it is with no contingencies and they will be well versed with alternative programs such as a buy and rent back systems if perhaps there is no equity within the house.

So what other reasons might a property owner have to want to Sell property fast? It will assist to avoid foreclosure or repossession, probate services, inheritance dwellings, landlord sell offs, extensive repair dwellings, divorce and relocation. As you can now see the reasons are many. Although there has been a decline all over the extent in the housing market has been very slight.

If you find yourself in a standing such as one of those mentioned then you may contemplate an interview with a Fast house sale or property investment company. Keep in mind that because it is their business to make a Quick house sale then they will have to make a profit. So many times the reduction on the value of the house will not outweigh the advantages from being able to sell a house within days rather than have to pay for repairs, updates and estate agent charges and then waiting six months or longer days to sell the house. Solot of times it is just not worth all the hassle. The advantages from utilizing a property investment company are: hassle free, prompt and easy, brisk cash settlements, no five percent or more estate agent charges to pay, no waiting for a buyer to qualify with their bank or building society, no agents with long term contracts and no long term days on the housing market.
Also there are no repairs to deal with, no endless appointments and absolutely no for sale by owner troubles to contend with. So, if you find yourself in a must sell style of standing then consider a buy houses for cash company for the cash investment wanted to assist you with your property needs.

Be the first to comment - What do you think?  Posted by Ricardo - at 5:25 AM

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Do The Current FinancialCircumstances Mean That You Require To Sell Property Briskly? How Open Market Values Are Employed To Make A Fast House Sale

The worth that you will be achieving when you select to make a Fast house sale is more likely be a significant percentage of what the actual market worth of what the actual house is worth. This is something that you should be attentive of and it will be something that may be higher than that of a general house sale when all the fees that come with a normal sale are contemplated. You should also be attentive of how this value is utilized to Sell property fast to satisfy recent monetary circumstances. The value of the revenue that you will achieve when making a Quick house sale will be determined in a very unique way. It all comes from how you will actually gain a part of your open market value for your house. Here is a look at how this value is determined and this is so that you can see what you will be attaining out of your house with this method of quick sale.

When you begin to discuss a deal to Sell property fast you will have your Fast house sale business to look into all facets of your house. Your chosen property investment business will check on the value of the house and will check to see how much money it is actually worth. The business will then make a deduction from that offer and this is utilized so that the property investmentbusiness can make some kind of income from your house. After all your selected Quick house sale property investment business will not be charging you any fees for their service that you are acquiring from them. The property investment business will also utilize your original full market value and compare it to the open market worth as this is what your house would have be worth if you sold it through a traditional method like an estate agent for example. It means that you will end up achieving a different worth for your house than when you put it up for sale through your selected estate agent This worth is something that could be either higher or lower than the recent market value of your house and either way it is this that will be utilized when you are selling your house promptly.

The open market worth will then be cut by a slight amount and the money that is going to be taken out by your selected Sell property fast property investment business should be a relatively small amount. You will then end up attaining an offer that should be around seventy five percent of the market value of your house. The leading thing that you will see about this will come from how the market worth of your house will be the same as what you would expect to be getting from a normal sale. Nonetheless the total that you will achieve after making such a Quick house sale will be something that might end up being a lot higher than what you would expect to get in a regular sale through an estate agent. After all you are not going to have to deal with and pay for any bothersome fees like estate agent fees, legal fees and government taxes. The lack of the requirement to get your house a HIP is also an advantage when you decide to make a Fast house sale.

The open market worth that is going to be utilized on your house when selling your house fast is going to be important for you to see. This value is one that is going to be utilized to let you get a good deal on your house when you sell it off promptly. It will work to assist you with making sure that the brisk sale system will work with the same cash benefits as that of a regular type of house sale through an estate agent.

Be the first to comment - What do you think?  Posted by Ricardo - September 6, 2010 at 9:52 PM

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You Have Renovated Your House To Enhance Its Market Price You Need To Make A Fast House Sale To Acquire Good Return On Investment

Most home owners want everything achieved briskly in order to save valuable time and money. However not everything that is achieved quickly will give better outcomes and save more valuable time or money unless it is done right. Making a Fast house sale is not an easy method. However it is still possible to achieve. Attaining a Quick house sale can be achieved with the aid of both professional property investment firms and by doing most things yourself. This is because the usual house owner will not necessarily have all the expertise that is required to Sell property fast all by themselves. There are many reasons why house owners would want to sell their house briskly. However do not make those reasons become barriers to attaining the brisk sale of their premises. Here are just a few tips that will aid you to achieve your ultimate aim to Sell property fast.

The first thing that you need remember when you want to make a Fast house sale is to make sure it is completely clean and presentable to probable buyers. If you have an active lifestyle then you will possibly just get on with it but if not you require to get creative and make the premises look enticing. It is always a good idea to look at style or design magazines for ideas on how to present your house correctly. It is best to get rid of all that stuff that you have lying around. Too much stuff makes rooms look a lot smaller and will focus a buyer’s attention on your possessions rather than your house that you are trying sell briskly. Remove any clothing that is lying around and put it away in closets. If you have any pictures of your family in prominent locations then remove them so you do not personalize your premises. You want the buyer to imagine that they are actually living in the premises and not to be reminded that you currently live there.

You will require to master the art of staging. This tactic is well known to aid to make a Quick house sale and involves doing the easy things by placing furniture in ways that will bring out the best in each room. If your sofa is hiding your attractive fireplace then move it. If you have a lovely dinner table then take away anything that may hide its features. You may be taking them with you when you vacate but if it makes the room look good then show them off. Put your best pieces of furniture and accessories in positions that will show them off along with the best features of the space. Make sure any unsightly power cords for electrical equipment is well hidden away.

Once you have your house looking at its best why not recruit a professional photographer to take some great pictures of your house. The reason for this is that nowadays many house buyers will look for houses on the net. Remember that the first impression is an important thing and you will not be able to attract prospective buyers if your premises does not even look good on the net and you will certainly not Sell property fast. Schedule your viewings at a time that your house is at its best in both appearance and condition. If you have beautiful gardens then arrange your viewings for the morning. If there is anything that you love the most about your house then be sure to share it with any probablel buyers. Do not do viewings when the kids are around as they might just disrupt things and ruin your chances of a Fast house sale.

If you want to make a Quick house sale then it is best not to try and sell your house by yourself and instead recruit a specialist property sales agent. They can aid you in getting the right selling price for your premises and this tends to be the second most common type of advice offered to aid you with a brisk sale. A specialist property sales agent can also give suggestions for improving the potential of a sale and list your house on several houses for sale listing services on the net. Selling your home briskly is not impossible and may not cost a lot of cash. So you can spend any extra cash on employing an interior designer. Make your house look good and attractive so that the results are more likely to turn out as you want them to be and that is a brisk sale.

Be the first to comment - What do you think?  Posted by Ricardo - September 5, 2010 at 6:45 PM

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Property Investment Companies That Offer Prompt Sale Solutions Are Now Very Popular – The Types Of Dwelling That A Brisk Sale Consumer Can Expect To Buy

One of the most general reasons as to why Fast house sale property investment services have now become so common in recent economic times comes from that this style of fast sale is one that can be done on a variety of different kinds of premises. There are various premises that can be put through this method of Sell property fast. These include the ones that are not in possibly the best condition. Nevertheless they may have endured some revamping in the past. Terraced premises can be handled by a Quick house sale property investment business and this is the style of dwelling that is not in its own free standing building but rather in the middle of a collection of other similar dwellings all in one large row. The brisk sale consumer will be able to distinguish very fast that the dwelling that is going to be sold from all the other houses that are in that same large row. As a result the actual system of a fast home sale will be one that is going to be easier to handle for the house owner.

Industrial properties can be handled in much the same system as well. These are properties that will normally work with non commercial industrial services in mind including that of the water, gas or electricity services. What matters most is that the building that is being handled is the one that will not be handled with any commercial services in mind. A property that has some fire or water damage can be handled in much the same method as well. This is especially helpful in that plenty house owners might have a daunting time trying to sell houses that have been the victim of any water or fire damage. A property investment business will look into the condition of the property to see what the impact of the damage actually is. In most cases the property can be bought in the event that the property is still one that can be feasibly abided in. It does help to be aware that in most cases a property that has been damaged by the elements in this way could be one that is going to have a market price that will be considerably less than that of its original market price set out by an estate agent when it was in pristine condition.

A property that has been refurbished over time is also one that can be considered by a Sell property fast consumer. A refurbished property is a used one that has been extensively restructured over time in order to make the property look as good as new and attractive to probable buyers. Being able to work with a good property like this one is something that a Quick house sale consumer will be able to acquire.

Finally, a property that can be bought regardless that the land that the property sits on has planning permission or not. This is useful in that in plenty cases a Fast house sale consumer will consider selling the property back to a property developer who can raise the land and use it to develop a new style of development on the area itself. This is something that can be very successful to the consumer but in many cases this may not be the case. Fortunately though a sale consumer will be able to buy up a property regardless of whether or not the land that it sits on can be utilized for planning purposes and the house owner will be able to make a Fast house sale.

These are good types of property that can be found all over the United Kingdom that can be handled by different types of Sell property fast clients. A good consumer will work to handle any of these dwellings and these include dwellings that are not in complete perfect condition. This is a great service to see in that by selling your house to a Quick house sale business it will be easier to get the home handled than it would be to actually get the home sold off through some form of traditional home sale like utilizing an estate agent or by promoting it independently using tradition types of media. Always be diligent and select the best businessy that best suits your requirements and will get the best price for your property.

Be the first to comment - What do you think?  Posted by Ricardo - at 7:53 AM

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We Love Our Dogs And Cats In The UK But How On Earth Do We Manage To Put Up With Them Around The House ?

The population of our country is animal crazy . Every year the amount of money spent on pets in the UK balloons and a testament to this is the number of out of town pet superstores as big as warehouses and filled with every conceivable item to pamper and indulge or control our pets. There are between eight and ten million pet cats owned by households in the UK and although this isn’t a precise figure it’s close enough to give a pretty good idea of the situation. A good estimate of the number of domestic dogs is about five million or so. Think of that little lot all in the same place requireing feeding!

It goes without saying we are hopelessly lost here as far as our association with the animal kingdom goes, particularily the part of it that caters for cats and dogs. There is a school of thought that our pet custodianship may even be a factor when We Buy Homes. In fact when We Buy Houses it is quite likely that at least part of our decision is influenced by it’s suitability to accommodate our whiskered companions. I have a friend who , whilst being a sober and respected citizen in many respects is also a cat owner and has recently been heard to say “I think I might have to Sell My House as it really isn’t suitable for poor old Tiger . He needs a much more spacious garden”. Oh good grief! Still I suppose that when and if I come to Sell My House my two kittens , one ginger and white and one tabby , would have to rely on me to make a decision which would be in line with what I perceive to be their welfare. Do We Buy Homes based on if the cat would like it or not? Well I think the jury’s still out on that one except in the truly animal crazy families where the decision has been made as to who in fact is the boss!

It’s not always simple , when We Buy Houses, to get a property that is perfectly animal friendly. There are the evident factors such as having a busy road outside if you have a cat, or being a long way from a rural space for exercising the dog. Or dogs. But if you can afford to be choosy then busy roads are best stayed away from and green spaces are absolutely necessary for the wellbeing of humans as well as our pets. I do believe that cats need to be outside at least a bit of the time – the burgeoning trend for indoor only cats seems rather harsh on their naturally free spirit. Dogs must be outside for exercise at least once a day. And it’s a common mistake that human beings are happy enough locked away from the light of day for weeks on end. An excellent reason to get a pet is that at least you have to get away from the dam goggle box for a bit because you have to a) find out where the cats have got to or b) take the dog round the field

Maybe you have just moved house and are settling down into your new property thinking “This is just the spot for me and the dog ”. So who had the most influence in saying how you bought or selected your last home? Think it was you ? Maybe it’s time to think again…

Be the first to comment - What do you think?  Posted by Ricardo - at 12:41 AM

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Modular Houses Build Your Dream Residence

When it comes to the residential construction industry, modular houses are one of the fastest thriving segments. Modular houses are a type of luxury homes which are constructed using latest methods, keeping in consideration the customer requirements and necessities. What makes it exclusive is the reality that it is built in a climate-controlled industry. This is how, it minimizes the likelihood of weather related problems while construction. You can find these through luxury real estate, or build one yourself with factory settings or indoor situations, and afterwards the building can be transported to your home location.

Design variations

To have a modular house built, you have hundreds of choices and design possibilities which are custom made, efficient and quick site-building houses. You can discuss with your house builder and manufacturer to decide the type and design of house that best complements your requirements. The builders generally, give you a broad variety of building plans to select from. You can then apply for state building codes and upon being given, you can change and upgrade your construction specifications according to your own preferences. You will be permitted to design your own floors and elevations, the interior design, appearance of windows, shades of colors, bath fittings and much more. The variations are simply endless!

Advantages

Modular buildings are more resourceful than stick-built buildings and also have lower cost. Some of the additional advantages that these buildings provide are:

• They have better quality control as they are built to protect the complete building during the construction, hence protecting from the extreme weather.

• During their making, these houses undergo various examinations. A stick built structure may have two to three examinations, but a modular structure has around 300 quality examinations, sometimes also including third party examinations to ensure the highest level of quality.

• These buildings are designed to the highest levels of power and are built tougher. Pieces are nailed and glued to add force to the structure, which makes them more durable.

• Building such frameworks in factory settings greatly minimizes waste materials, as many of the resources are recycled. The materials and supplies that are used during construction are not used on only one project, but instead they are saved and utilized in the next building as well.

• These buildings are energy efficient and collaborates the green movement, as several commercial and residential builders emphasize on the usage of environment-friendly constituents. This procedure of building a house in an assembly plant reduces time on a construction location, and reduces the effect on the environment.

Custom modular houses

Through custom modular houses, middle-class and lower income families are able to buy houses, because these buildings are generally less costly than traditional ones. Although lower in price, these buildings are equally beautiful as conventional buildings. Custom modular buildings can be specially made on various requests and specifications of the customers. For example, you can inquire for the number of bedrooms, bathrooms, or insist on additional rooms with square footage. Recent improvements in compartmentalizing units have allowed builders and company owners to design houses with two fireplaces, custom kitchens and a better utilization of space.

Be the first to comment - What do you think?  Posted by Ricardo - September 4, 2010 at 5:51 PM

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Sell Property Fast With Some Useful Home Improvements The Best House Enhancement Hints To Help A Fast Home Sale

Buying a home can be notoriously hardstressful. The investment can be huge and it is always possible that bad mistake can be made. However selling a house which can be achieved without an estate agent can also be nerve racking, too. To Sell property fast for the maximum amount will demand due caution and attention. However some expensive property renovations only tend to lose money and do nothing to help the Quick house sale process. Television property makeover shows have persuaded many property owners that they really cannot do too much to maximize the actual selling value of their property. But the ones who do gain from all this work are the leading home improvement retailers.

Many property owners simply cannot face undertaking costly and time consuming property renovations before attempting to make a Fast house sale as it is a lot of hassle and they just require to Sell property fast and to move on. There is nothing wrong with that whatsoever. However there is still a few basic house selling hints that will apply across the board. For a Quick house sale the property should at least be clean and tidy and crucially the removal of any clutter will make the rooms look bigger and will enable probable property buyers to envisage what they might actually do with them. Strong personal items such as family photos should not be on view as probable property buyers do not need any such distractions. The house should also be well aired and strategically positioned vases of flowers and bowls of fruit are also easy on the nose as well as the eye. The smells of freshly brewed coffee and freshly baked bread are universally enjoyed and freshly grilled fish are not. Pets should always be kept out of the way altogether or alternatively housed with friends or relatives. Not every probable property buyer will like dogs or their odor.

For those who are prepared to go that little bit further then diligently targeted home renovations can pay dividends. For example it is well worth touching up shabby paintwork, having carpets specially cleaned, and fixing any obvious imperfections as dripping taps. And for those desperate to make a Fast house sale for profit does not have to guess at what works best. The general perception is that the best way to maximize profits when selling a house is to add rooms. By contrast laminate flooring and new carpets were among the things which were found to not even to recoup costs. In other words do any simple redecoration work because it makes a house look better. However for anything more elaborate do not anticipate the tastes of others.

However for the seller who requires to do just one thing and that is to insure a Quick house sale at a good price investment in fuel efficiency and energy saving measures will generally yield a return of almost 250% making it the best property improvement that a seller can make. And for those who require to Sell property fast for profit then loft insulation and cavity wall insulation are amongst the better things to consider.

To sum it all up and to make a Fast house sale for profit then there are five things to consider above all others and that is fuel efficiency and energy saving, property security, redecoration, garden improvements and loft conversion.

Be the first to comment - What do you think?  Posted by Ricardo - at 9:25 AM

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Is There A Reverse Movement Developing Wherein People Are Selling Up In The Country To Retire To A Smaller Property In The City?

“Escape to the country” is one of the best known TV programs about selling up in the city or large town and moving to, well , “The Country” , whatever that really turns out to be. And it’s not hard to see why. Given the opportunity who wouldn’t want to swap busy , overcrowded city life for a chance for a healthier , closer to nature life in the British countryside?

Well that possibly has been been the case about fifteen years ago but there is something a bit odd happening these days. There is a small but expanding trend for people who have settled themselves in the countryside to give it all up and move from the rural environment back into an urban setting. “Utter Madness!”, I hear you shout . “I would never Sell My House in the country and relocate back to the city”. Well let’s have a look at some of the reasons for this seeming reversal and discover why We Buy Homes in the country only to ditch it all and move back to the city.

When We Buy Houses it’s usually with a viewpoint that our situations will continue to be financially sound well into the future. And many times this can be a reasonable assumption as if the sale of a high priced house in the city has filled the coffers and the employment or business situation looks optimistic then there’s no reason to assume things will not continue. But the ongoing and continuing recession has disproportionately affected rural setting and with budgets tightening in the countryside then if someone moves to the countryside to build a rural business to keep up their lifestyle then things were a lot more promising three to four years ago than they do now. A shift to the countryside based on starting up a local business may have appeared to be a good idea at the time but could well end up as a broken dream meaning a move back to the urban conurbation a financial necessity.

In some cases We Buy Houses with a view to a gradual or stepped move to a permanent residence in the countryside. Thus a “weekend commuter” type of lifestyle might be some peoples idea of having the benefits of moving to the country whilst keeping the financial benefits of working in a larger town or city. But after a few years of traffic jams, worrying about an empty house in the week or forced absence from the family , and the rushed weekend break only for the whole cycle to start again next week can take it’s toll and start the process of mulling over whether to relocate back to the city and have a bit of stability without the country views! (By the way I fell into exactly this situation and was made to Sell My House in the country and move to the metropolis of Gloucester so I know all about this reason).

Another reason is the closing of the gap between property prices between rural and urban regions . Often We Buy Homes based on perceived value , or even actual value. By this I mean that a six bed detached cottage in Cardiganshire with stunning countryside views obviously means better value than an apartment in the city. But with property prices torpid or even falling in urban areas and quite good quality properties in rural areas commanding a premium these days , then it is quite understandable for certain rural property owners to consider a move back to the city if they have issues with the countryside , and take a step up the property ladder with regards to the new city property purchase.

Be the first to comment - What do you think?  Posted by Ricardo - at 6:36 AM

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Characterstics Of Properly Founded Home Staging Companies – Have A Great Detail Before Employing

When thinking about home staging companies, there are lots of points that you need to keep in mind. First, the reputation of the home staging companies that you are considering on employing is very important. Unlike profile visions of homes which have been staged, the reputation of home staging companies is directly related to how well their staged homes performed on the market. You can have a better idea of home staging companies reputations by making use of their listing of evidences and getting in touch with every one to get information on how the properties that they staged have carried out.

It is important that you just consider all of the home staging companies in your area and select from the firms that stage homes within the price range of the property you are trying to sell. Some individuals attempt to hire the most expensive firm possible under the presumption that higher prices mean an improved quality. This is simply not necessarily correct. Many home staging companies specialize their work based off of the value assortment the vendor is focusing on. Home staging companies that target multimillion dollar homes utilize different strategies and budgets than home staging companies that target reduced price bracket houses. Due to this, you will need to make your selection of home staging professionals carefully.

Once you have decided which home staging company you might be interested in employing, you need to understand the process of a home staging. You will find three elements to preparing a home for the market. The initial step is to make sure the property is entirely cleaned. A clean property leaves a lot better first impression. However, the level of cleaning is much over the standard home maintenance set up by the typical homeowner. Every surface should be washed until it is in as new a condition as it can be. Furniture should be washed and refined, and also moved to ensure that the flooring beneath it could be made clean. Once the cleaning is finished, the outside and interior design aspects of a home staging project can be finished. Landscaping is essential to ensure an excellent initial impression. As images are created for a property within a moment of viewing the outside and entry, a stylish, unique appearance is needed to make your property stay ahead of the other homes the customers have gone to observe.

The ultimate element of home staging that firms will handle, and often the time consuming, is the interior decorating portion. This is where the stagers may go through the things you own which are left in the receptive for visitors to see and find methods to best present them. Items such as photographs and private vacation mementos should be stored away, as home staging companies may recommend their elimination. This can be because of the fact that customers are not interested in your private things and desire to picture themselves in the property.

Frank B. Sarntarpia
If serious feel free to get details about home staging companies have a look at our home staging web site

Be the first to comment - What do you think?  Posted by Ricardo - September 3, 2010 at 9:56 AM

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