Archive for the ‘Fundraising’ Category

Our Guide on Bee Pollen for Allergy

Sunday, July 8th, 2007

Is it possible that a seemingly simple naturally found substance could be used in the treatment of allergies? Absolutely! It should be noted however, that if you suffer from a pre-existing bee pollen allergy, you should definitely not take bee pollen for allergies. Similarly, if you have ever experience anaphylactic shock for any reason or caused from any allergic reaction, you should refrain from using bee pollen for allergies.

In order to expand on bee pollen for allergies, we should look at the very properties that make up bee pollen and how the human body can digest them. Bee pollen for allergies or just for the daily maintenance of the body, when taken orally is rapidly and easily absorbed into the blood stream. Even more astonishing is that within two hours of ingesting bee pollen, there are traces of it found in the cerebral spinal fluids, the urine as well as in the blood.

Bee pollen rejuvenates the body, can stimulate organs as well as gland and enhances vitality. Whether taking bee pollen for allergy or for any other reason, how can one go wrong with ingredients that can do all of that for the human body.

Bee Pollen for Allergy and Pollen Allergies

While a bee pollen allergy is quite often very severe and can be life threatening, bee pollen should not be confused with the flower pollen that is blown about by the wind. This type of pollen is often the culprit of many allergies however, allergy-causing pollen is very light and is blown about by the wind with relative ease.

Alternatively, bee pollen is much heavier as well as much stickier than the flower pollen. The actual name of the pollen that the bees collect is called entomophiles meaning, ‘friends of the insects’ and very rarely causes allergy symptoms. Bee pollen for allergy can incredibly improve allergies, again, aside from a bee pollen allergy.

Bee pollen for allergy sufferers have been tested and shown to have a great deal of significance in the treatment of allergies. Many people who test positive for hay fever symptoms and allergies, that takes bee pollen orally, averaged in a study 75 percent of the patients showed an unbelievable improvement.

The product we personally use, located in the pristine source of New Zealand, is the most natural bee pollen source we have come across - http://www.bee-health-product.com

We have been using this supplement for over 3 years with excellent health results. We have achieved a general sense of well being and new improved energy levels.

We highly recommend you check out our bee pollen supplement of choice for further information.

John Gibb runs a series of health websites. Check out our Bee supplement guide, for more information on bee pollen.

Designing with Hardwood Floors Made Easier

Wednesday, June 27th, 2007

Hardwood floors in this day and age are perfectly suitable for either casual or formal living and décor. These floors are perfectly at home with modern or traditional interior designs and will compliment many different design and decorating tastes. In addition to its versatility, hardwood offers quite a selection when it comes to stains, finishes, styles, and designs. For these reasons, hardwood is one of the most versatile and practical styles of flooring in today’s market.

When designing with hardwoods nature provides the inspiration. With so many hardwood species and wood grains it is quite possible to have a hardwood that will not only match but also compliment almost any décor or style. Oak contains a lot of growth rings and patterns and is well suited for a traditional or rustic décor. The good news however, is that you can simply add a high gloss finish to make these very same floors perfectly suitable for an elegant or formal entryway or dining room in your home. Woods such as maple, walnut, and birch show very little of the grain and are excellent choices for contemporary or modern décor and design.

The aesthetics of hardwood can be greatly enhanced or influenced by mineral streaking as well as the presences of knots, shading, and variations of color. These same features are also used in order to classify your hardwoods.

Clear grades of hardwood are free of major defects though they may contain some rather minor imperfections. Flooring in this particular category also tends to have very little mineral streaking or knots which also makes it the most expensive grade of hardwood.

Select grades of hardwood are very similar to clear although they display more natural ‘charm’ or characteristics such as knots and variations in color.

Common grades will display more characteristics than either the clear or select grades and are often chosen for the specific purpose of the features they display or the charm they bring to the flooring.

Number 1 common flooring is variegated in appearance with light and dark colors, knots, and such. Number 2 common flooring is much more rustic and appearance and has a tendency to show all the natural characteristics of that particular hardwood. While this has traditionally been the least expensive of all the grades of hardwood, a recent revival of rustic or antiqued looking floors has sent the prices of these particular woods through the roof so to speak.

Performance is another aspect to consider when it comes to choosing the hardwood floors for your home. All hardwoods are not created equally and some are much more porous than others. This feature makes hardwoods harder and less vulnerable to staining. There is a test called the Janka Hardness Test, which tests the hardness of numerous wood species that are commonly used for flooring. While this test provides an excellent guide the actual hardness of wood is also greatly affected by the region in which it was grown.

Other factors that are wildly important when determining the durability of flooring are the plank construction and finish of your wood flooring. There are two primary forms of plank construction for hardwood floors: solid and engineered. Other factors such as the existing sub flooring and relative humidity will greatly affect the type of floors you need as well.

Advances in the technology for finishing floors has resulted in floors that are much better suited for day-to-day living and much more resistant to scratches, dents, and fading over time while becoming much easier to care for and maintain. These advances have resulted in hardwoods that should last a long time when properly maintained.

Get more details about how to install wood floor, refinishing hardwood and hardwood floor accessories at RefinishedHardwood

Do We Take Good Care of Our Children?

Wednesday, June 27th, 2007

Care of a child begins at the pre-natal stage when mothers are informed that alcohol, drugs and stimulants as well as harmful chemicals will prove detrimental to the fetus and affect its health and its future life. Responsible and loving women will respond appropriately and display the natural and nurturing attributes of the feminine nature.

It has been shown that in addition to these obvious considerations, negative environmental stimuli such as loud noise, excessive movement and X-rays and TV radiation can adversely affect the developing child. It is not known precisely to what extent these influences produce physical disturbances and irregularities but certainly, it has been clearly demonstrated that they are detrimental to the brain and nervous system.

In our Western society it has been traditional for the expectant mother to choose to retreat as much as possible form any noisy and disturbing environs, in order to protect the developing baby and so help to ensure a placid nature within the child. What seemed a logical process has been rejected by contemporary mothers who seem not to want to restrict their ‘partying’ and ‘entertainment’ for any reason; and even subsequent to the birth, have the child share in every external activity-from shopping, concert going and race meetings to TV viewing and cinema. They seem not to realize that they have a duty of care to their babies and children and sadly, a very large percentage seriously neglect this duty.

Child care centers too, are now a part of modern life. In an atmosphere very different from the tenderness of the parental home, children are kept entertained, often over stimulated and subjected to many different influences including meeting and mixing socially with other children, These stimuli have both positive and negative aspects but unfortunately the situation is not one in which the parents can exert any control. They must leave their children to the care of the people in charge and although there is a preponderance of good people serving in these institutions, it is undeniable that there are the few who can wreak a deal of havoc within a child of tender years.

In far too many cases, infancy spent is such an environment can result in children becoming hyper active and psychologically fragile and as they progress through their schooling, hyper activity is injected into new experiences and intellectual learning-often without a balance of compensatory practical crafts and skills.

Gradually as the child extends its experiences in school life and as learning increases dramatically, it is difficult for parents to know all that comprises a day in the life of a child. It becomes overwhelmingly demanding to give time at the end of the day to hear their news and to hear of their thoughts and feelings or to send them to sleep with comforting stories or consolation as required. It is easy to see where this factor could be construed as neglect of a child who needs the security of parental enfoldment and counseling.

Without this influence, children have become less aware of the refinements of our culture and do not observe its codes-in fact have become rebels. They defy good manners, disregard adults, show disrespect for the elderly and are influenced negatively by their peers and the fashionable trends that demand satisfaction, from purchase of the newest shoes in vogue, to a designer label garment or their own personal mobile phone. They are thrust into a modern world of ‘get get get’ obsessed by material desires. Only those children who have been protected by values inculcated in home life, are capable of standing apart and resisting the enslavement to the commercial fashion trends and business interests that knowingly are preying upon the psychological frailty of children.

So are we nurturing our children appropriately in the few years that we have them in our custody? Are we caring for our children beyond very basic physical health commitments, nurturing their best and finest emotions and facilitating and encouraging the critical values of love and kindness, care and consideration for others? Are we helping our children develop keen and compassionate minds that know the hard won rules of human existence regarding social life and are willing to abide by them and be proud of being worthy citizens in the true sense of our culture? Are we teaching them any values at all beyond self-interest, self-advancement and self-gratification? I think not. Else how could it be that children in our times are soul-threatened with abuses of every kind?

Michael Russell

Your Independent guide to Child Care

Are Simultaneous Submissions a Good Idea?

Sunday, May 27th, 2007

With regards to the question of simultaneous submissions, I fear I may not be able to offer a set answer. As a publisher, I am not enamored by the thought of an author sending me a manuscript that is currently floating among several other slush piles. However, as an author, I am tempted to cast a wide net for my book and hope somebody bites. The thought of waiting for one publisher to pass on a book before sending it to another editor can be daunting for authors, particularly if a favored publisher takes a year to decide.

I have read stories of books that were rejected by one publisher years after they had been accepted and published elsewhere. It is funny to read, yes, but when one looks at simultaneous submissions from two different perspectives - as I have the ability to do - one will know that there may be serious repercussions to violating the wishes of a publisher or editor. As with any aspect of the publishing industry, there are pros and cons to sending out a book to several publishers at once, and there are things authors must know about publishers before they submit.

In addition to producing quality fiction and non-fiction in eBook, trade and/or hardcover format, a book publisher is ultimately in the business of selling books and making money. In order to stay in business, the publisher must be judicious in selecting which manuscripts are to be included in their catalogs. Depending on one’s budget, a publisher may offer anywhere from five titles a year to five titles a week. Consequently, the rate at which a publisher reads through and evaluates manuscripts may vary according to their publication schedule. Normally a publisher will advertise in its submission guidelines how long an author should wait for an answer, yet there are always circumstances that may arise and force delays.

As an author, I can relate with others who want answers now, so that they may either prepare for publication or ready the manuscript to send to another prospect. I have also learned, too, that impatience can backfire on an author. Once, given the choice between submitting a story as part of an anthology or submitting it solo to another publisher, I chose the latter because I wanted to see the story published. Long story short, the latter publisher folded, and the anthology was accepted and published without my story. My work remains unpublished. Sometimes it pays to be patient.

It is acceptable with most publishers to send a query after a sufficient amount of time has passed. If, for example, a publisher advertises turn-around within 120 days, a message after that time period may alert you to the status of your manuscript. As to whether or not it is acceptable to submit to several publishers at once, here are a few things to consider:

1) If a publisher specifies that no simultaneous submissions are allowed, take that into consideration. Reading a manuscript for potential publication is an investment of time and, in some cases, money. Some publishers use volunteer readers for evaluation, some take on the job themselves, while others hire on readers to separate the wheat from the chaff. As such, some publishers may wish to preserve that investment with the knowledge that they have exclusive readership to a work they may wish to contract.

Having said this, an author may be tempted to submit elsewhere anyway, if only to hedge his/her bets. If one publisher passes while another accepts, no harm is done. However, if there is a possibility that two publishers want the work, and both publishers had asked for exclusive reads, there presents some problem. While this dilemma can be remedied by simply turning away the contract by Publisher A without explanation, you will run the risk of being found out when your book is released with Publisher B. Some publishers have long memories, and Publisher A may not be so accommodating should you submit something else to them.

2) If you make a simultaneous submission, alert the publisher. If a publisher does allow simultaneous submissions, an author should be courteous to let it be known if a manuscript is sent to more than one publisher. There may be a possibility a publisher will expedite your manuscript for review if there is the possibility another will claim it. If you are a quality writer with a track record for good sales, you may be placed in the enviable position of having some negotiation power.

3) If you accept a contract for a book still out with other publishers, notify the other publishers immediately! The last thing a publisher wants to do is waste time. One major aspect of the book business is production. Especially with the romance industry, books are released at a steady rate, and publisher does not want to invest time in reviewing a manuscript that is not attainable. This can work against an author who wishes to submit to a publisher at a later date (remember what I said about publishers having long memories).

Think carefully before considering simultaneous submissions. Weigh the consequences and be prepared for every scenario. Keep track of every publisher who has the manuscript and follow-up accordingly when deadlines have passed and when offers are made. As you heed the instructions of each publisher you contact, chances are you will make an impression regardless of whether or not you are contracted. This can bode well for your writing career in the future.

Kathryn Lively is the publisher of Phaze, romance novels in eBook and paperback. She offers book promotion advice for authors and writes Web content for CINIVA Systems, Virginia website design.

How to Get Cheap Car Insurance Quotes and Save Big Time!

Sunday, May 27th, 2007

You could be spending way too much for your auto insurance every year. Want to know how get cheap car insurance quotes in just a couple of minutes and put that money back in your pocket? Here’s how …

Examine Your Policy

Most of us never take the time to read our car insurance policies, much less understand them. Yet making a few changes in your coverage can save you hundreds of dollars on your insurance premium. Here are three things you can do to get cheap car insurance quotes and save a bundle your auto insurance premium.

Increase Your Deductible

Your deductible is the amount of money you have to pay before your insurance company pays a claim. Simply raising your deductible by a few hundred dollars can save you hundreds of dollars on your car insurance every year.

Install A Security System

Most insurance companies will give you a discount if you install a security system on your car. Installing an alarm or an anti-theft device will not only save you money, it will give you peace of mind.

Decrease Your Mileage

The number of miles you drive has a direct bearing on the amount of money you’ll pay for insurance. To cut down on the amount of miles you drive, try carpooling to work or even taking the bus a few times a week. You might also cut down on your weekly shopping trips.

Shop Online

The best way to get cheap car insurance quotes is to comparison shop online. It’s fast, it’s easy, and it’s free.

It only takes a few minutes online in the privacy of your home to get a number of quotes so you can compare rates and get a cheap car insurance quote.

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap car insurance quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your insurance questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on getting cheap car insurance quotes.

How Can non-Hodgkin’s Lymphoma Be Detected?

Thursday, May 17th, 2007

Non-Hodgkin’s lymphoma is a term that describes a group of over 30 subtypes of lymphoma, each of which grows and differentiates at a different rate and so responds differently to treatment. Even though the subtypes are all individual they exhibit very similar symptoms and so a list of common symptoms associated with lymphoma have been produced by doctors and researchers.

Primary Symptom
The primary symptom that suggests the presence of lymphoma is a painless swelling of the lymph glands. These can be found in a number of body areas however the main ones that can be felt with the hand are in the neck, just above the jaw line on either side of the throat, in the armpit area and in the groin. It may be that only one of these areas is affected and so lymphoma is often missed until the swelling grows and starts to become uncomfortable. Not every case of lymph gland swelling is caused by lymphoma and there are a number of other, less serious, conditions that can make the glands swell. Thus if you do experience any swelling you should not jump to the conclusion that you have cancer; it is much more likely to be due to a simple infection.

Other Symptoms
If non-Hodgkin’s lymphoma is not detected early then there is the possibility that the cancerous cells will break away from the main site of growth and spread to secondary sites in the body. At this point the disease become systemic and obvious symptoms start to become apparent. These symptoms can include fever, night sweats, unexplained weight loss, abdominal distension and occasionally anemia. Anemia has its own set of symptoms including pale skin, tiredness, and chronic fatigue. Many of these symptoms are caused by the immune system response to the cancerous cells and they are often severe enough to cause the patient to consult a doctor.

Diagnosis
Once a doctor is consulted it is only a matter of time before a diagnosis of non-Hodgkin’s lymphoma is made. A general physician will be able to diagnose possible lymphoma however the patient will be referred to a specialist so that a number of diagnostic tests can be carried out. Lymphoma can be confirmed using blood tests however more precise tests will then be needed in order to detect the exact type of lymphoma present, how fast it is growing and what stage it has reached. These additional tests will include CT and MRI scans of the main body areas i.e. the chest, abdomen and pelvis areas, x-rays and in severe cases a bone marrow biopsy.

Treatment
Once non-Hodgkin’s lymphoma is detected and properly diagnosed then treatment will start soon after. The type of treatment that is recommended will depend on what stage the lymphoma has reached because some forms of treatment are useless against late stage cancer. In very advanced cases it may be that treatment is pointless and palliative care is all that can be offered. Thus it is important to consult a doctor as soon as possible if any of the symptoms mentioned above are felt, even if it is just to put the mind at ease.

For more information and resources on hodgkin’s and non-hodgkin’s lymphoma, other types of lymphoma, symptoms, causes of lymphoma, treatment, medication, lymphoma research, solutions and facts, visit Jeremy Parker’s complete reference guide on lymphoma. Get your free copy of the “Lymphoma Information Guide” report at http://www.LymphomaResources.com

Scar Repair Through Z-Plasty Cosmetic Surgery

Monday, February 26th, 2007

A scar can be an unsightly mark to have on your body. It can greatly alter your appearance. Even if it is not too offensive, it can have a negative psychological effect on a person.

Do you have a scar on body that you would like to get rid of? Well, there is now a simple plastic surgery procedure that can improve a scar’s appearance. It is called z-plasty and it is used to accomplish scar revision, by changing the direction of a scar, breaking the line of a scar, or lengthening a scar to decrease contraction. These techniques are basically meant to realign a scar, and in so doing make it less visible and less unsightly.

Z-plasty is not effective on all kinds of scars. It is usually performed on scars that are linear and tight. Scars that are more complex, such as burn scars, hypertrophic or keloid scars, will require a different type of plastic surgery treatment, such as dermabrasion or other scar revision techniques.

Even though it is a plastic surgery procedure, z-plasty is often covered by medical insurance in cases where the scar was due to an injury or a surgery that was covered by insurance.

Z-plasty is a simple surgical procedure and it is usually not painful. In the procedure, you will first receive regional or local anesthetic. Then the plastic surgeon will make incisions creating two triangular flaps of skin, of equal size, that are then transposed. By transposing the flaps, the plastic surgeon is altering the direction of the original scar. The scar can be lengthened up to 75 percent and realigned in direction by up to 90 degrees, but those are only theoretical limits. In practice, the degree of reorientation tends to be smaller. The plastic surgeon will complete the z-plasty by suturing the flaps. The patient needs to return to have the sutures removed in 1 or 2 weeks.

If you are considering z-plasty surgery, ask to see before and after pictures of a similar type of scar, so you know what results you can expect.

Would you like to know The Facts About Cosmetic Face Lift Surgery? If you have any questions about the subject, check out the helpful articles at http://www.plastic-surgery-reviewed.info

Keeping the Faith: Turning to Religion When Diagnosed with Lymphoma

Thursday, January 11th, 2007

Being diagnosed with a potentially life threatening medical condition, such as lymphoma, can often cause a person to revaluate their life and many find religion in the process. While some return to a lapsed religion, others find faith for the first time and, more often than not, just believing that there is something or someone in charge of their destiny can help them to come to terms with their predicament.

The very act of going to a place of worship, be it a church, synagogue, mosque etc. and interacting with others who have faith can give a lymphoma sufferer the positivism and strength to fight their condition. This is especially true when the sufferer lives alone or has no close family because the congregation pulls together and acts as a ‘super-family’ in times of need. They often make meals, help with the grocery shopping or just sit and listen so that the patient never feels alone and this solidarity can severely help during rigorous treatment regimes and during recovery.

Finding faith can also help a lymphoma patient to make amends with their God should the worst happen. It may be that they followed a religion in their younger years however because of other commitments they let their faith lapse. Finding themselves in a life or death situation may make them think about what they gave up and bring them back to the fold and under the protection of their God once more.

Even when a person has never shown any interest in religion before their diagnosis, they often find themselves suddenly believing in an all powerful, all forgiving entity simply because they don’t know what else to do. Many people who are faced with an uncertain future find that they need something solid to cling on to that will remain in their life for as long as they need it and religion fills this requirement. It doesn’t matter who you are, what you look like or even what you have done in your past, most religions are all encompassing and nobody is ever turned away. You don’t have to smile everyday and make jokes with other people; religion will be there on the good days and the bad days when you can’t find a civil word, unlike humans who tend to get upset when a cancer sufferer goes through a bad or depressing patch.

In addition to religion, other lymphoma sufferers may find faith in other places. Many find faith in their families and vow to live for them alone whereas others may believe in Mother Nature and so pray to her for a long and fruitful life. Faith can be found pretty much anywhere you look for it and different people find it in very different places. Lymphoma patients should believe in whatever they want to believe in to get them through their tough times, whether it is conventional or not. Who is to say that praying to the cancer fairies is any less useful than praying to a religious icon – whatever gives a person faith also gives them hope.

For more information and resources on hodgkin’s and non-hodgkin’s lymphoma, other types of lymphoma, symptoms, treatment, medication for lymphoma patients, solutions and facts, visit Jeremy Parker’s complete reference guide on lymphoma. Get your free copy of the “Lymphoma Information Guide” report at http://www.LymphomaResources.com

Early American Sports Cars

Monday, November 6th, 2006

Sports cars are often thought to have appeared in the United States after the conclusion of the Second World War. Soldiers who were exposed to British and other racing and sports cars returned stateside and created a market for American-produced vehicles that larger auto manufacturers were happy to serve.

Although it is true that the sports car market really did not mature in the U.S. until the late 1940s and early 1950s, it is not entirely accurate to peg that moment in time as the birth of American sports cars. Sports cars, albeit in very limited numbers, did exist prior to the 1940s domestically. Some even predated the First World War.

These often-forgotten pioneering sports cars deserve attention. Their performance was startling for the era and many of them competed and fared favorably against their better-known French and British counterparts. Here are three early American sports cars that deserve to be rescued from the dustbin of history.

The Stutz

Stutz Motor Car Company, which produced vehicles from its plant in Wisconsin, produced an assortment of exceptional sporting cars. Stutz cars won the American Road and Track Championship in 1915 and were capable of reaching average speeds well in excess of one hundred miles per hour.

The Stutz featured a 4 cylinder, 4-valve motor with a compression ratio of 5 to 1. Stutz competed admirably in races for an extended period of time, placing second in the 1919 Indianapolis 500 and winning the then-prestigious New Zealand Cup on three separate occasions during the 1920s.

The Mercer

The Mercer Raceabout is sometimes described as the true first American sports car. Mercer, a New Jersey company, hand-built top-performing sports cars featuring a T-Head motor. The success of the Mercers in major races made the Runabout nearly famous and made a minor hero of its driver, Eddie Pullen.

Raceabouts were capable of traveling over 80 miles per hour even on the horrible roads of the day. Those who currently operate Mercers will argue they perform nearly as well as many modern cars, with the noted exception of the unrefined braking system.

Raceabout existed only in very limited numbers and the company ceased production outright in the mid 1920s after a series of disasters, accidents and personnel changes.

Winton

Alexander Winton was one the earliest racing car manufacturers in the United States and was, for some time, the most successful. Winton’s Sweepstakes model was popularly considered the marvel of its day and was successful in many exhibitions and races.

The Winton Sweepstakes, however, is probably best known for a famous racing loss. Henry Ford, a young automaker who had seen his new Detroit auto manufacturing business go under, challenged the impressive Winton Sweepstakes to a race in 1901.

The Sweepstakes took an early lead on Ford, but developed mechanical problems and lost the race. The highly publicized event thrust Henry Ford into the limelight and gave him sufficient cache to revive his automotive career.

The Winton Sweepstakes used a 2-cylinder water-cooled engine and produced a then-impressive 28 horsepower when operating at full throttle.

The earliest sports cars in America’s history were not available to mass audiences, nor did they boast the performance characteristics of the models that began to appear in mass production after World War II. Nonetheless, they were marvels of their time and proof positive that sports cars did exist in the U.S. for decades earlier than we often think.

For more articles like this one, please visit http://www.SportsCarGuide.org

Michigan Rental Properties in Ann Arbor: To Rent or Rent to Own?

Monday, November 6th, 2006

If you are looking for rental properties in Detroit, Michigan, rental properties in Ann Arbor or other nearby areas, you may be interested in a lease to own agreement.

Ann Arbor, Michigan apartments vary greatly in price, depending on the neighborhood. Lofts and condos closest to the university typically have higher rents than similar properties farther out. If you have problematic credit or no down payment, you may think that renting is your only option, but with the economic situation in Michigan, many sellers are motivated to consider creative solutions that are beneficial to all parties.

According to the Office of Federal Housing Enterprise Oversight Committee, average home prices increased by 7.7 percent nationwide in 2006. But, major exceptions were seen in the state of Michigan. In Ann Arbor, home prices decreased by an average of 8.08 percent and in Detroit by 2 percent. While this is a tough situation for a seller to be in, it may be beneficial for potential buyers.

Some experts describe the Midwest as “economically shell-shocked”. Auto industry layoffs, closing research facilities and pharmaceutical labs have put many homeowners in a situation where they “must sell quickly”, sometimes to avoid foreclosure, sometimes because of the need to transfer. Some long-time Pfizer employees have been offered the option of transferring to a facility in another state, after the facilities in Michigan close, a process that will be on-going throughout 2007.

While these factors may not affect the average rent for Ann Arbor, Michigan apartments, it is likely that you will see more homes available for rent. In other words, the number of available Michigan rental properties, in Ann Arbor particularly, will probably increase. Property owners that would ordinarily sell their home may now be more likely to offer it “for sale or lease”. So, you may be able to find a home to buy, with little or no money down, with or without good credit, if the seller is open to a “lease option agreement”.

In some ways, a lease option agreement or “rent to own” agreement is similar to a standard rental agreement. The major difference is that at the end of the lease, the renter (you) have the option to buy the home at a price agreed upon at the beginning of the lease. Right now, with prices down, this could mean immediate equity. Also, a portion of the rent each month goes toward the purchase price of the house. This gives the feel of true homeownership. (Or apartment or condo ownership).

This type of agreement may appeal to you if you need time to establish or repair your credit rating. Or, if you need additional time to come up with the down payment.

Lease option contracts vary, depending on what the property owner is willing to offer. Some owners may require a fairly substantial deposit. Others may be willing to accept a smaller deposit, if you are willing to do repairs and take care of the necessary upkeep on the home yourself. Repairs and the like are normally the landlord’s responsibility, but with some lease option agreements, even the amount of money that you spend on maintenance and repairs can be applied to the eventual purchase of the home.

The bottom line is that, because of the current economy, you will probably see an increase in the number and variety of Michigan rental properties. In Ann Arbor, it may be easier for you to start the process of owning your own home. And, since home prices invariably “go back up”, again, this could be the best time for you to buy a home, rather than ending up in another one of the Ann Arbor, Michigan apartments.

Real estate investors like us can help whether you are a seller looking to sell your home on a rent to own basis, or a buyer looking to purchase a rent to own apartment, condo, or home. We have the experience and team (mortgage broker, attorneys, paperwork, and connections) to make the deal happen and happen the right way.

Dan Ho is a real estate investor in Michigan. Visit http://www.buy-sell-michigan-real-estate.com for more on rent to own and how real estate investors can help.