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Defending Wrongful Foreclosure Actions in Nevada

[Attorney Malik Ahmad is a Nevada Licensed attorney and anything here is not a substitute for qualified legal advice. This article is just an attempt to educate people and their issues.]

Foreclosures in Nevada are on the rise, and our law office is contacted everyday by people from all walks of life inquiring about how to stop foreclosure and other foreclosure related questions. It is a complex area of laws, and we do not suggest to go alone or hire an unlicensed attorney or an out of state attorney or their production firm. A Nevada licensed attorney would be an ideal agency to handle such complex legal cases. Nevada, as we know is a non-judicial foreclosure state. It simply means that your lender does not have to go to court to get a foreclosure status against you. A simple non judicial procedure is enough to foreclose on your property.

In Nevada, a notice of intent to foreclose is followed by a notice of default which is followed by a notice of trustee’s sale. The last step, the actual non-judicial foreclosure sale, usually occurs within approximately 90 days (and in some cases longer from the filing of the notice of default. For the vast majority of loans, the Nevada non-judicial foreclosure process is an effective and relatively inexpensive method for a servicer to obtain its security. In most non-judicial foreclosures, the only court time and court costs involved are those for the usually uncontested municipal court unlawful detainer which is initiated by the servicer in order to obtain possession from former borrowers who refuse to vacate their former homes.

For a small but seemingly growing number of loans, the non-judicial foreclosure process has has almost become judicial. Increasingly, this war has been taken to courts and even in Nevada, a large number of these cases had been filed in court. This war of attrition ranges from bankruptcy, to District Courts Nevada, and to US District Court. It is not a war to stop eviction in municipal courts of Nevada. They are only mean to stop illegal detainer.

Before we go any farther, we like to outline once more the steps taken by your lender in foreclosing your property in Nevada.

Foreclosure Process in General in Nevada

Most of the loans are premised upon continuous payments to the lenders. If these payments are not timely paid, or not continuously paid, the borrowers can start the foreclosure process. The lender reviews the loan documents and determines about the occurrence of a default. Failure to make loan payments triggers this default process. Also, it is contingent upon events which have not been corrected by payments or failure of a workout package.

A trustee under a deed of trust may exercise its statutory power of sale without the judicial intervention. In Nevada, the foreclosure is mostly a statutory foreclosure. (NRS 107.080(1)). Judicial foreclosures are also permitted under Nevada law (NRS 40.430-40.450) but judicial foreclosures are not the preferred choice in Nevada for most of the lenders because of the looming danger of the right of redemption. Upon default, the initial step is for either the beneficiary or the trustee to execute a notice of breach and election to sell, which is usually accompanied by an unrecorded Declaration of Default. (NRS 107.080(2)(b)). The beneficiary executes the notice, but the trustee records it. The notice of breach and election to see must be recorded in the county in which the property encumbered by the trust deed is situated. This notice must also be mailed (notice of breach and election to sell) by registered or certified mail, return receipt requested with postage prepaid, to the address of the trustor and to the person who holds the title of record, if known, otherwise to the address of the property. (NRS 1076.080(3)

Notice of Default and Election to Sell?

1.            Must describe the property

2.            Must describe the deficiency in performance of payment.

3.            May contain a notice of intent to accelerate the entire unpaid balance if the terms of the obligations so permit (NRS 107.080(3).

4.            Within 10 days of recording and mailing the notice of default to the trustor, copies of the notice must also be sent by registered or certified mail, return receipt requested, to each person who has either (1) filed a request for a copy of the notice; or (2) holds a record interest in the property subordinate to the deed of trust being foreclosed. Additionally, 20 or more days before the sale, the trustee must mail a copy of the notice of the time and place of the sale to the same parties by register3ed or certified mail, return receipt requested. (NRS 107.090.)

5.            Nevada laws make it immaterial whether the notice is actually received by the trustor. The notice is effective nonetheless. (Turner v. Dewco Services, Inc., 87 Nev. 14, 479 P. Wd 462 (1971)

6.            NRS 107.080(2)(a) provides that no power of sale may be exercised unless the trustor or his successor in interest, a beneficiary under a subordinate deed of trust or any other person with a subordinate lien or encumbrance of record (referred to below as “trustor or interested person”) has, for a period of 35 days, “failed to make good the deficiency in performance or payment….” The 35-day period commences on the first day following the day upon which the notice and election is recorded and mailed to the grantor and to the record owner of the property in the manner specified above. (NRS 108.080(3). If the trustor other interested persons “make good” the deficiency in payment or performance within the 35-day period, the trustee’s power of sale may not be exercised, and the obligation may not be accelerated. NRS 107.080(2)(a), (3). The 35-day period in the statute exists independently of any notice or cure periods contained the applicable notes or deeds of trust. If the notice of breach contains a permitted election to accelerate and the breach is not cured within the 35-day period, the trustor or other interested persons can thereafter only prevent the sale by tendering the entire unpaid balance of the obligation, as well as any costs, fees and expenses incidents to the preparation or recordation of the notice and incident to the making good of the deficiency in performance or payment (NRS 107.080(3).

What is the Procedure for Trustee’s Sale?

When three months have elapsed from the date of the recordation of the notice of breach and election to sell, the trustee may give notice of the time and place of the trustee’s sale, which notice must be given in accordance with the statutory provisions for execution sales of real property – posted notice in three public places for 20 successive days and published once a week for three consecutive weeks. (NRS 107.080(4);231.130(1)©. The trustee’s sale may be held at the office of the trustee anywhere in Nevada, even if it is not in the county where the property being sold is located. (NRS 107.080(4).

If the power of sale is exercised in compliance with the Nevada statute, the purchaser is vested with the title of the trustor, without equity or right of redemption NRS 107.080(5).

What are the Guarantor’s Rights to Notice and Subrogation?

The notice of breach and election to sell must be mailed by certified mail, postage prepaid, to each guarantor or surety of the debt at the address of each if known, or at the address of the trust property. The notice must also be mailed to any other obligor who has filed a request for a copy of the notice under NRS107.090. Failure to provide such notice would release that guarantor, surety or obligor from liability on the obligation. (NRS 107.095(1).

Under NRs 107.095(3) a guaranty, surety or other obligor is not released if the required notice is give at least fifteen (15) days before the later of the expiration of the 35-day period described in NRs 107.080 or any extension of that period by the beneficiary, or if the notice of default is rescinded before the sale id advertised.

Upon full satisfaction by the guarantor, surety or other obligor, other than the trustor, of the indebtedness secured by a mortgage or lien, the paying guarantor or obligor is entitled to enforce every remedy which the beneficiary has against the trustor, and is entitled to an assignment from the beneficiary of all of the rights the beneficiary then has by way of security for the payment or performance of the trustor. NRS 40-475 (1989). Such an obligor is also entitled to subrogation, junior only to the secured lender’s rights, in the case of partial satisfaction of the indebtedness. (NRS 40.485 (1989). These rights may only be waived by the guarantor, surety or other obligor after default. NRs 40.495(1)(1989).

What are the rights under One Action Rule?

In Nevada, a deficiency judgment can be filed under non statutory foreclosure provisions without having filed a judicial foreclosure.

What is a deed of Trust in Nevada?

The most common type of security interest in real property in Nevada is a Deed of Trust. A DOT has three parties.

Lender: It is the first party who is referred to as “Beneficiary.”

Borrower: It is the second party who is referred to as the “Maker”, or “Grantor”, or “Trustor” who conveys legal title to the property to the Trustee.

Trustee: This is the third party who holds legal title to the property.

Process: A DOT can be foreclosed in a simple process and cheaper as well. A Trustee sells the property encumbered by the DOT. All the lender needs to do in order to foreclose on a DOT is to determine that an even of default has occurred under the DOT and have the trustee conduct non-judicial foreclosure proceedings. Here, in Nevada, the trustee sale does not entail redemption. The borrower, in Nevada, does not have the statutory rights of redemption unlike the judicial foreclosure where the right of redemption lasts one year. Compare NRs 107.080(5) (no right of redemption in a foreclosure on a DOT ) with NRs 21.210 (one year period of redemption).

Determination of Default.

Your default notice also consists of a determination of default. It can be monetary or non monetary.  Monetary is when it is linked to borrowers failure to pay, failure to pay property taxes, failure to pay homeowners association assessments and failure to pay special improvements and other assessments against the property.  The non monetary events of default are spelled out in the notice of default and Deed of Trust as well as related loan documents. They can be failure to insure property, the failure to maintain debt service coverage ratios and waste.

Acceleration of Obligation:

A trustee under a deed of trust may exercise its statutory power of sale (commencement of foreclosure process) without judicial intervention in Nevada. NRs 107.080(1). Judicial foreclosure is also permitted under Nevada laws though seldom exercised. (NRs 40.430-40-450). They carry with them a one year right of redemption which lenders does not like it as they like to close this chapter once for all.

Steps in Foreclosure in Nevada?

1.            The beneficiary or the trustee to execute a notice of breach and election to sell which is usually accompanied by an unrecorded Declaration of Default. (NRS 107.080(2)(b). The beneficiary executes the notice, but the trustee records it. The notice of breach and election to sell must be recorded in the county in which the property encumbered by the trust deed is situated. The notice of breach and election to sell must also be mailed by registered or certified mail, return receipt requested with postage prepaid, to the address of the trustor and to the person who holds the title of record, if known, otherwise to the address of the property. (NRS 1076.080(3).

2.            The notice and election must describe the deficiency in performance or payment, and may contain a notice of intent to accelerate the entire unpaid balance if the terms of the obligation so permit. (NRS 107.080(3).

3.            Within ten days of recording and mailing to the trustor the notice of default, copies of the notice must also be sent by registered or certified mail, return receipt requested, to each person who had either (1) filed a request for a copy of the notice; or (2) holds a record interest in the property subordinate to the deed of trust being foreclosed. Additionally, 20 or more days before the sale, the trustee must mail a copy of the notice of the time and place of the sale to the same parties by registered or certified mail, return receipt requested. (NRS 107.90)

4.            Under Nevada law, it is immaterial whether the notice is actually received by the trustor. Turner v. Dewco Services, Inc., 87 Nev 14. 479 P.2d 462 (1971).

5.            NRS 107.080(2)(a) provides that no power of sale may be exercised unless the trustor or his successor in interest, a beneficiary under a subordinate deed of trust or any other person with a subordinate lien or encumbrance of record (trustor or interested persons) has, for a period of 35 days, “failed to make good the deficiency in performance or payment….” The 35-day period commences on the first day following the day upon which the notice and election is recorded and mailed to the grantor and to the record owner of the property in the manner specified above. NRS 107.080(3). If the trustor or other interested person “make good” the deficiency in payment or performance within 35-day period, the trustee’s power of sale may not be exercised, and the obligation may not be accelerated. NRs 107.80(2)(a), (3). The 35-day period in the statue exists independently of any notice or cure periods contained in the applicable notes or deeds of trust. If the notice of breach contains a permitted election to accelerate and the breach is not cured within the 35-day period, the trustor or other interested persons can thereafter only prevent the sale by tendering the entire unpaid balance of the obligation, as well as any costs, fees and expenses incident to the preparation or recordation of the notice and incident to the making good of the deficiency in performance or payment. NRS 107.080(3).

6.            Nevada Revised Statutes Chapter 107 governs Deeds of Trusts. The transfer of real property may be made in trust to secure loans and other obligations. See NRs 107.020. In the event a transfer is made in trust to secure payment, the Trustee is granted a power of sale which may be exercised if an event of default has occurred. See generally NRS 107.080.

How a Foreclosure Process in Nevada is Commenced?

1.            The lender must first determine that an event of default has taken place.

2.            The lender employs the Trustee or a successor.

3.            The Trustee will prepare and record in the Office of the County of Records of the County in which the property is located a Notice of Default and Election To Sell. (NRS 107.080).

4.            The Notice of Default and Election to Sell must be mailed by registered or certified mail, return receipt requested Election to Sell must be mailed by registered or certified mail, return receipt requested and postage prepaid, to the grantor of the Deed of Trust, the person who holds title of record on the date of the Notice of Default and Election to Sell, each guarantor or surety of the debt, NRS 107.095(1), and any person who recorded a request for a Notice of Default and Election to Sell. (NRS 107.090)

5.            On the first day after the Notice of Default and Election to Sell is recorded and sent by mail to all interested parties, the borrower and the other obligors are then given 35 days to make good the deficiency in payment or performance. NRs 107.080(2)(a)(2). This essentially allows the borrower or other obligors to de-accelerate the default under the Deed of Trust and terminate the foreclosure proceedings.

6.            In the event the borrower or other party in interest fails to cure the deficiency in payment or performance, the Trustee must wait until the expiration of three months following the recording of the Notice of Default and Election to Sell (55 days after the 35 day reinstatement period expires) before giving notice of the time and the place for the sale of the real property (NRS 107.080). The notice of the time and place for the sale of the real property must be published in accordance with Nevada’s execution statutes.

Requirements of Publication for the Notice Under Nevada Laws

Nevada statute requires the following publication of the notice of the date, time and place of the sale:

(1) Personal service or service by registered mail to the last known address of each person entitled to Notice of Default and Election to Sell;

                (2) The posting of a similar notice particularly describing the property , for twenty days successively, in three public places of the township or city where the property is situated in or where the property is to be sold; and

                (3) Publishing a copy of the Notice three times, once each week for three successive weeks, in a newspaper, if there is one the county. (NRS 21.130(c).

                (4) In addition to the notice required by Nevada’s execution statutes, the Trustee is required to, at least twenty days before the date of the sale, deposit in the United States mail and envelope, registered or certified, return receipt requested and with postage prepaid, containing a copy of the Notice of time and place of sale, addressed to each person who has recorded a Request for Notice of Default and Sale. See NRS 107.090(4).

                (5) If the Trustee fails to give any person liable to the beneficiary or any other person who has requested a Notice of Default and Sale the required notices, that person may be released of its obligation to the lender. NRs 107.095.

                (6) NRs 107.080(4) allows the Trustee to conduct the sale at the Trustee’s office.

                (7) At the foreclosure sale, the Trustee may sell the real property by public auction. Generally, the lender will provide the trustee with a minimum credit bid before the foreclosure sale. The amount of the credit bid may be for the full amount of the debt owed to the beneficiary or only a portion of what is owed to the beneficiary. Any person or entity may attend the foreclosure sale and bid for the real property.

What is Nevada’s “One Action Rule”?

Nevada has adopted a one-action rule. It provides that there may be only one action to collect a debt secured by a mortgage or other lien. The Nevada One Action rules provides: (NRs 40.430(1)-(3).

                1.            There may be but one action for the recovery of any debt, or for the enforcement of any right secured by a mortgage or other lien upon real estate. That action must be in accordance with the provision of this section and NRS 40.433 to 40.459, inclusive. In that action, the judgment must be rendered for the amount found due the plaintiff, and the court, by its decree or judgment, may direct a sale or the encumbered property, or such part thereof as is necessary, and apply the proceeds of the sale as provided in NRs 40.462.

                2.            This section must be construed to permit a secured creditor to realize upon the collateral for a debt or other obligation agreed upon by the debtor and creditor when the debt or other obligation was incurred.

                3.            A sale directed by the court pursuant to subsection 1 must be conducted in the same manner as the sale of real property upon execution, by the sheriff of the county in which the encumbered land is situated, and if the encumbered land is situated in two or more counties, the court shall direct the sheriff of one of the counties to conduct the sale with like proceedings and effect as if the whole of the encumbered land were situated in that county.

What is a Wrongful Foreclosure Action?

A wrongful foreclosure action is an action filed in superior court by the borrower against the servicer, the holder of the note, and usually the foreclosing trustee. The complaint usually alleges that there was an “illegal, fraudulent or willfully oppressive sale of property under a power of sale contained in a mortgage or deed of trust.” Munger v. Moore (1970) 11 Cal.App.3d. 1. The wrongful foreclosure action is often brought prior to the non-judicial foreclosure sale in order to delay the sale, but the action may also be brought after the non-judicial foreclosure sale.

 A borrower in a wrongful foreclosure can allege that the amount stated as due and owing in the notice of default is incorrect for one or more of the following reasons:

-         an incorrect interest rate adjustment,

-         incorrect tax impound accounts,

-         misapplied payments,

-          a forbearance agreement which was not adhered to by the servicer, unnecessary forced place insurance,

-         improper accounting for a confirmed chapter 11 or chapter 13 bankruptcy plan.

-         Wrongful foreclosure actions are also brought when the servicers accept partial payments after initiation of the wrongful foreclosure process, then continue with the foreclosure.

-         Companion allegations for emotional distress and punitive damages usually accompany any wrongful foreclosure action.

-         Also, a loan modification process was initiated, but stopped in bad faith by your lender.

-         Deceptive trade practice under Nevada Laws.

-         Violations of TILA

-         Violations of RESPA

-         Violations of HOEPA.

-         Contractual Breach

-         Intentional infliction of emotional distress

-         Negligent infliction of emotional distress

-         Wrongful foreclosure

-         Promissory Estoppel.

Damages available to a borrower in a wrongful foreclosure action are an amount sufficient to compensate for all detriment proximately caused by the servicer or trustee’s wrongful conduct. Damages are usually measured by value of the property at the time of the sale in excess of the mortgage and lien against the property. Munger v. Moore (1970) 11 Cal.App.3d. 1. Additionally, the borrower may also obtain damages for emotional distress in a wrongful foreclosure action. Young v. Bank of America (1983) 141 Cal.App.3d 108; Anderson v. Heart Federal Savings & Loan Assn. (1989) 208 Cal.App.3d. 202. Further, if the borrower can prove by clear and convincing evidence that the servicer or trustee was guilty of fraud, oppression or malice in its wrongful conduct, punitive damages may be awarded.

How Can a Wrongful Foreclosure Action Delay Recovery of the Security?

A wrongful foreclosure suit filed in District court will not necessarily delay a servicer’s recovery of its security. The companion filings to such a suit (notice of pending action, injunction and/or motion to consolidate) however can delay a servicer’s ultimate recovery. Delay caused by a wrongful foreclosure action can be anywhere from forty-five days to two years.

A notice of pending action (“lis pendens”) is the most common companion to a wrongful foreclosure action. A lis pendens is recorded in the county in which the real property security is located at the time the wrongful foreclosure action is filed. The only requirement for a lis pendens to be recorded is an attorney’s signature that the action which is being noticed actually involves a real property claim. The purpose of the lis pendens is to put all third parties on notice that the borrower and the servicer are litigating over the real property security. Once a lis pendens is recorded, no title insurance company will issue a title insurance policy unless and until the lis pendens is removed. Although the servicer may “bond around” the lis pendens without title insurance, the real property security is virtually inalienable.

While a lis pendens can be filed at any time in the foreclosure process, a borrower applies for an injunction prior to the foreclosure sale with the intent of keeping the foreclosure sale at bay until issues in the lawsuit are resolved. The lawsuit can take anywhere from ten to twenty-four months. Generally, an injunction will only be issued if it appears to the court that: (1) the borrower is entitled to the injunction; and (2) that if the injunction is not granted, the borrower will be subject to irreparable harm. Like an action to expunge a lis pendens, a borrower’s application for an injunction is essentially a “mini-trial” on the merits.

There are important issues which are considered in nearly all injunctive relief action applications is the amount due and owing on the note and deed of trust. Again, it is imperative in any injunctive hearing that the servicer provide a detailed analysis of the amount it contends is due and owing on the note and deed of trust at issue. Sometime it is not possible for your servicer and they are unable to provide a breakdown of the amounts due and owing on the note and deed of trust at issue. Again, sometime they only can provide insufficient information to refute the borrower’s allegations, it is likely the injunction will be issued. Now comes the question of producing a bond from the borrowers, and making timely payments. In many cases, judges make their own laws when they experience heart wrenching stories from the borrowers, and their sorrowful tales have a deeper impact upon the judges, the issue injunctions. Of course tough standards are required by Nevada judicial system in issuing these injunctions but sometime the judges issue minimal bonds and little or no debt service requirements. This worst case scenario translates into a servicer being unable to sell the security and receiving no payments on the underlying debt during the life of the lawsuit.  In reality, judges are loath to modify an injunction after it is issued and prior to a decision on the merits. Once an injunction with little or no debt service or bond is in place, the wrongful foreclosure suit will be a long and expensive process because the borrower has lost all incentive for a quick resolution of the action.

Another way borrowers delay a servicer’s recovery of its security through a wrongful foreclosure action is by consolidating their wrongful foreclosure action with their unlawful detainer action. Asuncion v. Superior Court (1980) 108 Cal. App. 3d 141. The Asuncion case which is usually relied upon by borrowers for consolidation contains an egregious fact scenario including clear fraud in the inducement of the loan. Judges however, do not limit the application of Asuncion to cases where fraud is alleged by the borrower. In applying Asuncion, a court can allow the unlawful detainer suit to be consolidated with the wrongful foreclosure action if there is a mere similarity of issues in the cases.

If the borrowers plays all the cards tactfully the final disposition of the case can be delayed anywhere from ten months to two years.

Nevada law provides many unique procedural remedies which may be employed in battling a wrongful foreclosure action. Judicious use of these procedures by counsel and close coordination between counsel and client can lessen the pain of defending a wrongful foreclosure action.

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Anyone who has had a clogged drain knows how annoying it can be trying to get the water flowing. Unclogging and cleaning a drain can be an irritating process. When you do have a clog, you need the right equipment to quickly and efficiently remove the obstruction. The wrong equipment or big and awkward equipment can make the drain cleaning experience long and frustrating.

The right equipment will clean the line with very little effort. It is important to know the equipments’ capabilities. Small and portable drain cleaning equipment will make the job less difficult. They are less likely to get damaged when used by a novice. Small equipment operators have the ability to carefully loosen the clog without causing any damage to the pipes. They can work the clog slowly without applying too much force.

Auger: The best equipment for clearing a clogged toilet is the closet auger. The auger is capable of quickly working its way through a bowl without problems.

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There are a number of motorized cleaners on the market. Depending on which type you use, they can have the following benefits:

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Plumbing and piping systems tend to be ignored until a problem occurs. This is when drain-cleaning equipment becomes important. Having the right drain cleaning equipment is essential to clearing a clog. Small and portable drain cleaning equipment makes the job faster, easier, and less messy.

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’9 Steps to Financial Freedom’ by Suze Orman is a great book, and is a trusty guide to help us forge a mental environment that will attract money and success to us. Indeed, without a prosperity consciousness, money will be saying ‘goodbye’ as quickly as it says ‘hello’. So haw can we take the teachings of this book from theory to tangible financial results?

Firstly, it’s worth reminding ourselves what those 9 steps to financial freedom actually are, as they constitute the foundation for anyone looking to build lasting prosperity:

Step 1: Seeing how your past holds the key to your financial future

We all have a key memory regarding money that if we’re not careful can be a pattern of belief and behaviour that can strangle our financial success in later life.

Step 2: Facing your fears and creating new truths

This most critical of the 9 steps to financial freedom involves reprogramming our brains with new beliefs about ourselves by way of impact and repetition, in other words affirmations. Over time these new mantras can literally cut new pathways in the brain, just as happens when we learn to play a musical instrument or even riding a bicycle.

Step 3: Being honest with yourself

This is the section about budgeting and being honest with your income and outgoings. For people in constant denial of the shortfall, this can be a bitter pill to swallow, but essential in making any financial progress. You can’t fill a leaking bucket!

Step 4: Being responsible to those you love

For those wanting step 4 of the 9 steps to financial freedom to be a watertight plan for earning $100,000 in the first year, this will disappoint. It’s all about being responsible in one’s will, life assurance, trusts and pensions.

Step 5: Being respectful of yourself and your money

This is all about paring down credit card debt and the like, and readers wanting the keys to quick profits are really glazing over at this point. However. feeling in control of money makes us feel better about ourselves and lets us ‘vibrate’ in a way that attracts more money. Most people’s default ‘vibration’ repels money and success itself.

Step 6: Trusting yourself more than you trust others

Of the 9 steps to financial freedom, this is the one that gets down and dirty in the world of investments. Some readers might be thinking at his stage ‘help me make some money first so I’ve actually got something to invest!’

Step 7: Being open to receive all that you are meant to have.

This step reiterates that money doesn’t bring happiness, which is true. Happiness can attract money though. I suspect many readers here would be thinking here ‘just let me find out for myself if money makes me happy or not!’

Step 8: Understanding the ebb and flow of the money cycle.

This is my favourite of the 9 steps to financial freedom as it states that it’s during the tough times that we make the greatest inner progress, even though it might not seem so at the time.

Step 9: Recognizing true wealth

Most of us would have no problem with the notion that true happiness is about non-monetary things in our life.

While I would echo nearly all the points made in the book, some readers might be forgiven for thinking ‘now what?. Well, a success mindest is critical, but let’s examine how you might actualise some tangible success.

One increasingly favoured option is to build an online business from home. This can take many forms but one with excellent potential would be one of the many network marketing businesses that can be built online.

Now before you sigh with disappointment you need to realise that the days of hotel meetings, handing out flyers, and bugging friends are over. The internet has begun to deliver the true promise of network marketing without the gut-wrenching ‘horror’ of personal contacting. For many it has been a gold mine.

So if we consider investigating this exciting business model as step 10 out of the 9 steps to financial freedom, step 11 would have to be deciding which of the 432 online networking businesses to choose!

Perhaps a less fraught step 11 would be to look at an automated network marketing system where the only work still to do is to drive web traffic to a marketing ‘funnel’ that will cultivate a downline for you. If you plug into a system like this, your financial online ‘breakthrough’ may be closer than you think.

In fact, step 12 could be setting up your Home Business ‘launchpad’, and driving this proven vehicle to any financial destination you choose to name. Get the mental environment right. But then, take action.

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Hello everyone, and welcome back to the REM arena. Today, you will witness what we have deemed “The Match That Should’ve Been, But Never Was.” One man is Wrestling’s ultimate icon. He is the epitome of the fame every wrestler wants to attain; he is the Immortal Hulk Hogan! And his opponent, a former King of the Ring, 2 time Intercontinental Champion, 6 time WWE Champion, and the toughest SOB ever in the WWE. He is Stone Cold Steve Austin. After a backstage argument prevented this scheduled match to take place Austin was replaced with The Rock, leaving fans to wonder “what if.” Well no more! Now if you want me stop talking and get the match started gimme a Hell Yeah! Ring the Bell!

As you would expect the match doesn’t start up like it normally would. Austin doesn’t waste anytime going after Hogan, hitting with a kick to the mid-section, and following up with some viscous punches. He backs The Hulkster into the turnbuckle, and continues to pound on him. The referee gets Austin out of the corner. As Steve walks back to his adversary he’s met with a big right hand from Hogan. Hogan continues to throw the fists until he backs Austin into he ropes. He throws Austin off the ropes, and hits him with a crooked arm lariat on the rebound. Hogan goes for a cover, but it’s a short two count. He brings Austin to his feet, and hits him with some body shots. He hit’s a big body blow that doubles over The Texas Rattlesnake. Hogan launches himself off the ropes, and hit’s a running knee lift. Hogan takes advantage of the stunned Austin, and slaps on a sleeper hold. Stone Cold struggles as he’s wrapped up in the 24-inch pythons of his adversary. The never say die attitude of Austin pays off for him as he manages to grab a hold of a rope. Hogan is forced to release the hold. Stone Cold doesn’t take any time to catch his breath, but instead lays a back elbow smash into Hogan’s head, as soon as he is released. As Hogan turns around to retaliate, The Bionic Redneck lifts him flapjack style, and drops him throat first on the ring rope. Austin covers, but it’s only a two.

Austin commences to stomping the living daylights out his opponent. The referee tells him to back off and he does…for a moment. As soon as the ref gets out of his path he goes right back to stomping the Immortal One. The ref tells him to knock it off, and he does…for a moment. Once more Stone Cold stomps on Hogan. This time the ref threatens a disqualification. Austin then stands over his beaten opponent. He stands at his adversary’s head, and looks around the arena. He smirks, that Austin smirk, then mocks Hogan by twirling his wrist, and cupping his ear to which the crowd chants “WHAT?” He does this to all four sides of the audience, and bounces off the rope to hit Hogan’s signature Leg Drop. Austin covers again, but it’s no good. Austin brings his opponent to his feet, and hit’s a European uppercut. Austin throws The Hulkster into the ropes, and prepares for a back body drop. Hogan stops short, and kicks him in the chest. Hogan follows up with a clothesline, and then another, and then another. Finally he back body drops Austin. He looks at the crowd, and gets them pumped. He launches Austin into the ropes, but when he comes back Hogan is met with a Thesz press, and his opponents fists.

Austin gets on the second rope, and poses for the crowd. They can’t help but cheer both men. Stone Cold walks back over to his fallen adversary and drops an elbow on him, followed by another. Austin goes to the second rope once more, and jumps for a pointed elbow drop, but Hogan moves. As Austin gets back to his feet, holding his arm, Hogan puts an abdominal stretch on him. You can see the pain in Austin’s face from the stretch. He tries to get out of it but he can’t. As Hulk continues to hold the submission he starts hitting the exposed rib cage of his opponent with massive clubbing blows. Finally he releases Austin, but takes him back down with a snap mare. From there he puts a rear chin lock on Austin, complete with a knee in the back. Hogan realizes he can’t out brawl The Texas Rattlesnake, so he’s going to have to get a bit more technical than he’s used to. Hogan cranks the hold, but Austin manages to slowly work his way up to his feet. He hits Hogan in the stomach with a few side elbow shots. He pushes Hogan off of him, and tries for a clothesline on the rebounding adversary. However, Hogan ducks to pull and switch and go behind, resulting in him controlling a rear waist lock on Austin. Then Hogan lifts him into the air, and arches his back to hit German suplex. Something we don’t really see from Hogan too much. Hogan pins his opponent, but Austin gets a foot on the ropes.

Things don’t look good for Austin who’s holding his neck. Hogan brings Austin up and sends him into the corner. He hit’s The Rattlesnake with a clothesline in the corner. He sends Austin into the other corner hard enough it knocks him to the ground. Hogan takes advantage and locks on the Camel Clutch. He wrenches on the hold, nearly breaking Austin’s back. Austin is able to get one of his feet on the ropes. Lucky he was near the turnbuckle. Hogan brings up his adversary and tries for a suplex, but Austin drops behind and rolls up Hogan with a schoolboy for a two. Hogan recovers and goes for a clothesline, but misses. When he turns around Stone Cold greets him with a kick to the gut, and tries for a Stunner. Hulk pushes him into the ropes though, and when he comes back catches him in a bear hug. The Hulkster’ 24 inch pythons squeeze as hard as they can around Austin’s torso. He holds him there, and doesn’t budge. The Bionic Redneck gets up enough strength to clap his opponent’s head. He does it a second time and the grip loosens. A third time breaks the hold. Austin follows up by taking Hogan down with a big lariat. Austin bounces off the ropes, does a little taunt, and drops a pointed elbow on Hogan. He grabs a hold of The Hulkster’s legs, and drags him to where they are lined up with the turnbuckle. Stone Cold keeps a hold of the legs and falls backwards, catapulting Hogan into the corner. Austin gets up, and walks over to his battered rival.

He grabs the head of his nemesis, and starts ramming it into the turnbuckle. He trash talks Hogan while he’s doing it. Suddenly it seems as though they aren’t taking affect anymore. Austin keeps slamming the head in to the corner, but they only see to invigorate Hogan. Hogan moves out of the corner on his own accord as Austin continues to beat on him, shaking, as he’s Hulking up. Then Hogan points a finger at Austin, and yells, in unison with the crowd, “YOU!” Austin throws a punch, but it’s blocked. Hogan fires back with three big rights until Stone Cold is backed in to the ropes. He sends Austin into the opposite ropes, and hits him with the Big Boot. Hogan is now the one twirling his wrist, and cupping his hand. He bounces off the ropes, jumps into the air, and hit’s The Atomic Leg Drop on to Austin’s injured neck. 1…2…3! Wait no! Austin manages, by the slightest of margins, to get a shoulder up off the mat. Maybe that wouldn’t have happened if an exhausted Hogan had hooked the leg. Regardless Hogan is stunned. He’s not sure what to do, so he goes off the ropes for another one. He took to long to get his bearings though, as Austin moves out of the way just in time. Austin hangs on to the ropes, and tries to pull himself up in the corner. Meanwhile Hulk charges toward him, but The Texas Rattlesnake moves out of the way. As Hogan staggers back towards him, he nails a high impact delayed spine buster, and covers for the two.

Austin goes to whip Hogan into the ropes. But Hogan half reverses it to where he’s behind Austin, and hits an Atomic Drop. Hogan bounces off the ropes, and nails Austin with another crooked arm lariat. Hogan brings Austin up, and hit’s a BIG body slam. He covers for a two. Hogan lays in some elbow drops, and then a standing Bonzai drop, which is also good for a two. The Hulkster brings Stone Cold to a standing position. He Gorilla Presses him, and lets him fall behind. Then he bounces off the ropes, and hit’s a big splash. Another pin fall, another two. Hogan starts to stomp away at Austin forcing him towards the turnbuckle. He lifts Austin up so he can continue to pound him. However, after a punch Austin doesn’t seem fazed. Another and The Rattlesnake just looks at Hogan. One more, and Austin walks out of the corner with his head bobbing, yelling something inaudible. Austin is Hulking up. Hogan continues to throw punches, though futile, at Austin. Austin flips off Hogan with hand while yelling at him. Hogan throws one more punch that is blocked by Austin, who follows up with one punch, two punch, and before the third one flips off Hogan again, and then hits him with a third one. He sends Hogan into the ropes, and when he comes back Stone Cold kicks him in the mid-section, and hit’s the stunner. 1…2…NO! Hogan barely kicks out.

Austin brings up his adversary, and locks in a old move of his, The Million Dollar Dream. He holds it as best he can, but eventually Hulk is able to reach the ropes. No rests for the weary though as Austin follows up with a Russian leg sweep. Hogan tries to pull himself up in the corner, but as soon as he reaches a vertical base Stone Cold Steve Austin is right on him with kicks to the gut. The ref tries to call off Austin, but he continues to stomp away at Hogan, eventually getting him down into a seated position in the corner. The ref keeps telling Austin to back off, and he does…long enough to get in the referee’s face. He goes back to stomping a mud hole in Hogan, but it doesn’t seem to be hurting The Immortal One. He starts to get reinvigorated again. Austin continues his stomping. Hogan slowly brings himself back up. Hogan points at Austin, and once more in unison with the crowd yells “YOU!” Austin tries to continue stomping, but Hogan catches the leg, and lays in three big rights hands. He sends him into the ropes, and gets the leg up for the big boot. Austin has other ideas as he catches the leg. He looks as Hogan, and responds with an emphatic “Ahn-Ah”. Austin swings the leg, and when Hogan comes back around he nails him in the gut with a kick, and hits another Stone Cold Stunner. Austin covers. 1…2…3! Austin wins, Austin wins.

Well I thought that was pretty good. It was a good match we haven’t seen before, and probably never will again. That’s all for this week. Thank you for reading, now…GET OUTTA MY HEAD!!!!!

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In his 1990 essay “A matter of size” (not the classic gay porn video!), P. Giles highlighted the almost Fascist tendencies displayed within the gay community – to each other. Reading his essay I am left with the feeling that if you seek compassion and tolerance, you are best looking outside the LGBT community. We tend to belittle and deride overweight gay men and lesbians in the same way that anti-gay, right wing factions belittle us. 

Research has shown that gay men and lesbians differ from the straight community in terms of the emphasis we place on body image; both our own and others. No news there then. However this same research shows (depressingly) how much this extreme fixation on body image affects our own self-esteem. 

Apparently we make ten types of assumptions about another person based upon their physical appearance. Including: how much they earn, how trustworthy they are, how intelligent and their overall morals! Naturally, this in turn affects how willing we are to engage in a conversation with that person, let alone embark on an intimate relationship. 

Of course, we know that just because someone dresses in a Manchester United strip does not necessarily mean that they are going to behave and think like Cristiano Ronaldo. Well, we know that rationally, but emotionally it does seem we tend to get drawn into some fantasy along those lines! 

Similarly, we attribute similar attributes of character to individuals based upon other physical appearances. Within the LGBT community, this is all underpinned by a set of ideal images and at the other end of the spectrum, attributes that are to be chastised. It is clear from just spending 30 minutes in a bar or online that this tendency to idolise or chastise is much stronger within the LGBT community than in the straight community. 

So, what is the effect of this on us as a community? Well, ever since 1979 evidence has been presented to show that gay men in particular are less satisfied with their own body image than their straight counterparts. Yet, they are also more likely to criticise and judge others on their appearance. To compound this, having a negative self-image has a much bigger impact on self-esteem for a gay man than for a lesbian or straight man or woman. 

When asked what type of partner is ideal, gay men generally tend towards someone who is thinner than them. Whilst lesbians do show some of this tendency, it is less pronounced. Why should gay men show such a bias? It has been suggested that this is a combination of messages we pick up from society and an internalised homophobia. In other words, we don’t seem to like ourselves as much as straight men like themselves! 

As I mentioned, lesbians don’t seem to have such extreme trouble with all this stuff. In fact research in 2004 showed that lesbians are slightly happier with their bodies than straight women. When asked to describe their physical ideal in a partner, lesbians were less anti-fat than were straight women and much less so than gay men. There is an interesting caveat to this: lesbians believe that other lesbians are looking for much thinner partners than they actually are! 

All of this suggests that we are as a community more fixated on image than the straight community. Whilst this may not be news, it is the effect that this has on our ability to engage in intimate relationships that concerns me. Painful preoccupation with our own image restricts our capacity to interact with potential partners. We need to remember that potential partners do not see what we see and they just don’t make the same judgements! 

In the end, the more we fixate on our own and others’ appearance and the more “anti-fat” we are, the lower our self esteem. In fact about a third of our self esteem is explained by these factors. I can’t help concluding that if we could practice being less judgemental of our own and others’ appearance and learn a little from our lesbian and straight friends we could boost our self esteem and the self-esteem of those around us. Go on; explore the Trueself, not the projected self! 

Article by Dominic James, with thanks to Jason S. Wrench and Jennifer L. Knapp (Journal of Homosexuality, 2008)

 

 

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It is very important to get your credit report and analysis. Why is this important? For one thing, if you’re thinking about buying a house or applying for credit for any other big purchase, you’ll need a clean credit report, and it’s always best to get your credit report and analysis before your lender does. This will give you an opportunity to clean up any discrepancies or errors, which are fairly common, and which can throw a monkey wrench in the works if not resolved.

Ideally, you should get your credit report and analysis once a year with each of the three credit bureaus:

* Equifax – (800) 685-1111, www.equifax.com

* Trans Union – (800) 888-4213, www.transunion.com;

* Experian (888) 397-3742, www.experian.com

You’re entitled by law to get your credit report and analysis for free from each of these three credit bureaus once a year. You can get all three at once or spread them out over the year. If you get your credit report and analysis more frequently than that, each report will cost no more than around $10 and in some states considerably less.

If you’ve been turned down for credit in the last 60 days because of something a lender saw on your credit report, you can get your credit report and analysis free of charge. Lenders are required by law to notify you of this right if they deny you credit.

When you get your credit report and analysis, review them carefully to make sure all the loans and credit accounts listed really belong to you, and that all the accounts listed as open are actually current loans or balances. If a loan you’ve paid off or a credit card that was cancelled is still listed as open, contact the credit bureau and ask for your credit report to be corrected.

What Is the Range of Possible FICO Credit Scores and What Do They Mean?

FICO credit scores range between 300 and 850. Ratings are as follows:

* Excellent: Over 750

* Very Good: 720 or more

* Acceptable: 660 to 720

* Uncertain: 620 to 660

* Risky: less than 620

How Is My FICO Credit Score Calculated?

The formula used to calculate your FICO credit score includes information based on several factors:

* 35% on your payment history

* 30% on the amount you currently owe lenders

* 15% on the length of your credit history

* 10% on the number of new credit accounts you’ve opened or applied for (fewer is better)

* 10% on the mix of credit accounts you have (mortgages, credit cards, installment loans, etc.)

In general, when people talk about “your credit score,” they’re talking about your current FICO score. But in fact there are three different FICO scores developed by Fair Isaac—one at each of the three main US credit reporting agencies. And these scores have different names.

WILL YOUR SCORES BE DIFFERENT?

FICO credit scores range from about 300 to 850. It’s important to get your credit report and analysis so you can understand what your FICO score is. Fair Isaac makes the scores as consistent as possible between the three credit reporting agencies. If your information were exactly identical at all three credit reporting agencies, your scores from all three would be within a few points of each other. But here’s why your FICO scores may in fact be different at the three c. The way lenders and other businesses report information to the credit reporting agencies sometimes results in different information being in your credit report at the three agencies. The agencies may also report the same information in different ways. Even small differences in the information at the three credit reporting agencies can affect your scores. Since lenders may review your score and credit report from any of the three credit reporting agencies, it’s a good idea to check your credit report from all three and make sure they’re all right.

Usually when you get your credit report and analysis from the credit bureau it will include a form for reporting any inaccuracies.

Give as much detail as possible, and if you have documents that back up your claim, provide copies. By law, the credit bureau must investigate your credit report claim, but even if they decide your credit report is accurate as it stands, you should continue to try to correct the report by writing a letter explaining your side of the story (not to exceed 100 words), which the bureau is required to provide to anyone requesting your credit report.

When deciding whether to approve credit, lenders take the following into consideration:

* Your payment history–do you pay bills on time?

* Have you had a bill referred to a collection agency?

* Have you ever declared bankruptcy?

* How much debt do you have outstanding compared to your credit limits? The closer your debt is to your credit limit, the less favorable.

* How long is your credit history? If you haven’t had much of a credit history yet, prompt payments are even more important.

* Have you applied for more credit lately? Too many applications for credit has a negative impact on your chances for approval.

* How many credit accounts do you have? Too many is considered a negative.

Information is retained in your credit report for up to seven to ten years. When you get your credit report and analysis, if you have negative items in your history, you can gradually repair your credit by consistently paying your bills on time from now on, paying down your balances, and not taking on any new debt. Lenders will take your improved record into consideration when deciding whether to approve credit, especially if you’ve been paying on time for at least a year.  For more articles on Credit, visit: http://www.bills.com/credit-score/

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NAP Crossfire Broad heads: NAP Crossfire features metal injection-molded cartridge blade with dimples to improve flight combined with tough steel ferrule. Crossfire as well functions Rotating head technology that allows broad head to rotate on arrow, and allowing it to take a path of least-resistance in target. Razor sharp blades give unequaled strength where you require it most & unmatched roughness where it counts. All these broad heads have found great following with the people shooting easton AXIS & FMJ series arrows & perform remarkably on these shafts.

There is reason that the NAP broad heads are best selling broad heads of all time! they are the best, and all the best in the sport can vouch for it. Generations of bow hunters have trusted for some decades, precision, strength, accuracy, & flawless field performance of legendary NAP Thunderheads & Spitfires.

With an increasing fame of crossbows, NAP broad heads has grown Thunderhead Magnums. Increasing the weight of Magnum, the crossbow hunters at present have high performance head, which helps to increase front of center for the tighter groups & less wind drift.

Replacing an aluminum ferrule with steel, weight has raised to 170 grains. With increase in an overall bolt & broad head weight, bow hunter is assured higher kinetic energy is attained, which results in good penetration.

All steel construction of the Thunderhead Magnum is engineered and designed for an optimal performance with tough and fast shooting crossbows.

The heavier weights provide them good penetration & punch through power to target.

NAP Thunderhead Magnum
170 grains gives proper balance & optimum penetration with the crossbow bolts
Steel construction with three replaceable shaving blades
Field point correctness
Micro-grooved Slim line low drag ferrule for best penetration
Hardened high carbon steel trophy cuts on an impact
Three matched weighted field-points included
Consistent quality – head-to-head, box-to-box
Broad head safety wrench & tray included with the clamshell presentation

Thunderhead Magnum is all set to launch crossbow hunter in new dimension of the performance.
Thunderhead – most trusted name in the fixed blade broad heads. NAP Thunderhead Magnum 3 Blade Broad head .027″ thick with a 1 to 1-8″ cutting-diameter, 170gr three pack.

With its advanced penetration & incredible flight characteristics, Crossfire is the fixed blade broad head, which flies like field point with no-loose blades. Three tapered razor honed blades are also fixed on 1 piece, and 440 steel cartridges, which rotates over a ferrule is simple to replace. All these broad heads are been designed with a Rotating Head Technology that allows broad head to turn with an arrow in flight & after that rotate to allow then to take a path of very least resistance. Screw in super sharp, six-sided nickel-plated point and cartridge is locked down safely. Patented dimples on a cartridge also reduce an air resistance just by keeping an air from attaching to a ferrule. Downrange stability is also improved by the blade winglets, which optimize a stability & accuracy, spin an arrow faster. Blades are .040″ at a base & taper to .027″ at a start of cutting-edge that will help you target much better.

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Strength Training for Motorcycle and ATV Racers

By Coach Marc Spataro

What do you think it takes to ride a motorcycle or ATV at a competitive level for an extended period of time out on the track?  Riding experience, skills, guts, a bit of insanity?  Yes all of those are needed, but more importantly STRENGTH!   The laws of physics are against us here.  Our machines can weigh from 250 to 400 pounds and our protective equipment approximately another 30, now throw in gravity and inertia and we have created a force on the body that absolutely requires strength. Every competitive athlete in the world strength trains including golfers……GOLFERS!.  Yet so many racers believe that strength training is going to have a negative impact on their riding and racing abilities.  Nothing could be further from the truth and I am going to explain why and be the STRENGTH TRAINING MYTHBUSTER!

First myth about strength training is that racers believe they are going to get to big or to muscular.  Everyone equates strength or weight training to looking like a body builder.  Coming from a body building background let me ensure to you that it takes a lot of food, supplements, a body building style-training program, and drugs to get a physique like that.  If your program design is to make you stronger and more functional out on the track you do not have to worry about becoming too big or too muscular, just stronger.  Being stronger allows you to maneuver the quad better, push harder under times of pressure, and if you crash or get stuck it can help you get your ATV back in motion.

Second myth, strength training will not develop or improve cardiovascular endurance.  Racers who believe this obviously have not worked out intensely enough or have never worn a heart rate monitor during resistance training.  Strength training requires a lot of cardiovascular as well as respiratory assistance.  Have you ever done a set of squats or dead lifts and not felt your heart pounding through your chest while gasping for air?  If not up your weight and reps you pansy.  Do you think you are in good shape?  If so try doing power cleans at 80% of your max weight to failure (this is when you start to lose good form) immediately drop down and do push ups to failure, then jump back up and do pull ups to failure.  Are you breathing hard?  Do feel like falling down and crying like a pleeb?  Welcome to real world strength training and conditioning, now do 5 sets of that and finish with some wind sprints, stair climbs, and crab crawls and you will know how and why MPT racers are some of the best conditioned racers around.

Myth number three, strength training causes arm pump!  No it does not, in fact it will make your hands and forearms stronger, which as expressed in my arm pump article will improve riding ability.  Get a grip on some weights and you will get a grip strong enough to hold on to some Baldwin motor power!

So the long and the short of it is strength equals speed and power, who doesn’t want more of that?  The quicker and stronger your muscles respond to a reaction the better the chances are that you are going to go faster while controlling your machine!  So now strength equals faster lap times, which equates to better placed finishes, isn’t that the over all goal of racing?  Still want to walk by those weights in the gym?

Time seems to be an issue with every racer, fitting in your work-outs between working and wrenching always seems to be a limiting factor!  Choosing one of the compound strength exercises and performing several sets could be the answer to fitting in a quick and effective work out.  Remember some training is better than no training!  By doing so you will challenge every system in the body and maintain and hopefully improve the strength you already have.  These compound movements should be incorporated into your routine throughout the year.  Stick with the suggested exercises and you will soon see why they are at the heart of every athlete’s training program no matter what the sport may be.  Well my coaching is done for today, best of luck out on the track and as always if I can help please reach me at www.motoprotraining.com!  MS

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The market leaders Big Bear Choppers and Southern Motorcycle Works, have made Motorcycle Kits extremely popular. Customizing your motorcycle has already become much simpler by motorcycle kits. As manufacturers really hardly get what their hardcore consumers want in their bikes’ appearances, these kits made personalization a simple step away from having their dream bikes. You can sure find that ultimate bike kit that will enable you to design your motorcycle just the exact way you like it. As more and more bikers are discovering the greatness of expressing themselves with Chopper kits, makers are now forced to make a corresponding bike kit for each motorcycle a manufacturer produces. This makes building your own bike a piece of cake, and of course, less costly than having it made in the shop. It’s just that, some are still confused about how these kits work. Well, if you are one of those people looking for some answers about these awesome rides, this is the right place for you. Here, the most frequently asked questions about complete motorcycle kits will be answered in the most straight forward terms.

Building from the ground up sounds like hard work, while manufactured ones are all ready for use. But, most of these bikes are so generic and bland that they will only make you look drag and even rob you of the real motorcycle feel. With “off the shell” bikes, you will surely end up having the same thing a thousand or so others already have. On the other hand, motorcycle kits give you the opportunity to be unique and make you truly express yourself through your bike. And as building your own bike is just like building your own luxury home, you would definitely want to achieve and fulfill what you have always wanted in the project. And you would not want your home to look just like any other house in the block, right? Building your own enables you to use your own wild imagination, so, why settle with what everyonehas when you can easily have custom bike that will match your personality and help you stand out from the crowd?

What type of bike kits are available?

This means that there is a kit for any motorcycle made by any maker in the world. This also means that you can virtually have endless choices in choosing the perfect custom kit for you. There are a lot of options available and there will definitely be something that will match you and your personality. Different options are made available by bike kits sellers, which give you almost an infinite range of options to choose from.

How easy it is to get started and how long does it take to complete?

You are going to need somewhere to put your motorcycle kit together. Ensure you read the instructions first, you will definitely need the reminders to maximize the enjoyment of building your own bike and prevent you from making simple mistakes. Finishing your customized bike with a motorcycle kit will definitely be impacted by how much time and skill you have applied in the build. If you have more daily time spent in your workspace and the more skill you have in finishing and even just deciding on how to polish and do the steps, the less time it will take before you get to take that baby out on a road trip. But don’t hang up your wrench just yet. As saying goes, anticipation makes the pleasure more pleasurable and all good things come to those who wait.

Most motorcycle kits already state which tools you will need in building your own bike. Usually, the needed equipments are just the basic tools a regular tool kit has. However, the most essential need is the space where you’ll be carrying on the whole project. You can always clean out the mess in your shop to give you ample room for work, or you can always create a shed in your backyard for much more space. Replacing parts and regular servicing should now be just a piece of cake for you by this time since you already know what to do with your bike. You’re the one who made it, anyways.

The price of a complete motorcycle kit will vary, considering what sort of motorcycle you want to make. Usually though, they are a whole lot less expensive compared to getting a manufactured motorcycle, depending on how you put the parts together. As parts are usually less expensive on their own, and you can even have the say on what kinds, brand names, and types of parts you can get to put in your motorcycle, you can save several thousand dollarsin building from scratch. But, no matter how much you spend on your bike, you can be sure that you will enjoy the outcome of your hard work and efforts.

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It can be utterly devastating when your wife says she wants a divorce. Although all marriages go through rocky patches at times, many men are committed to their spouse for the long run and the possibility of a separation never even enters their mind. For these men hearing that their wife is ready to end the relationship is heart wrenching. It’s easy to follow her lead and agree to the divorce because you don’t think you have other options. The truth is that if you aren’t ready to let your wife go, there are things you can do to change her mind and her heart.

When your wife says she wants a divorce one of the worst things you can do is argue the point with her. As soon as you hear that she’s not happy and wants out of the marriage you are going to feel rejected. That rejection is what leads us to do overly emotional things like cry uncontrollably or beg her to stay. Doing either of these will not change her mind. In fact, they will likely help her feel more secure in her decision because she’ll be able to label you as immature. Your wife is expecting you to be very emotional when she tells you that she is unhappy. If you take the high road and agree to a trial separation you may actually be setting the pieces in place to save the relationship. Just the act of you agreeing with her is going to impact her in a big way. She’ll instantly feel that you respect her needs.

You also need to ask your wife what has led her to this place. When your wife says she wants a divorce it’s obviously her way of telling you that something is very wrong with the relationship. One or more of her needs are no longer being met. If you are having difficulty determining what those needs are on your own, ask your spouse. Pick a quiet time to sit down with her and just calmly ask her if she can explain what she’s feeling. She may tell you that it all doesn’t matter anymore, but ensure that she knows that it does matter to you. Be genuine with her and don’t get too emotional. Women tend to close up when faced with emotional men so do your best to show her that you can control what you’re feeling.

The help you need is the “Magic of Making Up”, an excellent e-book by T. Dub Jackson. In the in The magic of making you will find some very simple ways and methods that will show you how to get your wife back. They are plain suggestions and real down to earth methods although some what unconventional to help you to get your wife back in days – not months or years. The get wife back formula is for people having an intense urge to find out ways and means to make up for their loss. They are no way black magic but works like magic to get your wife back.

That’s why it is called The magic of making up, an e-book that can make you relish the true sense of love fully renewed and rejuvenated. This magic of making up lays down all the necessary ingredients and simple yet unconventional procedures needed to get your wife back.

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