any beginners struggle with mixing fle

The stock market is very unstable at this time going up and down while interest rates are so low you want to be a borrower and not a lender. Would you like some suggestions on how can you get the most out of low interest rates while being assured your principal will not disappear while you are trying to make some money? Of course air max pas cher france , there is always the danger of borrowing the money and then spending it just because it is there.

So, would you also like to know what is the best way to borrow money at today's low rates without spending it? Buy real estate. Not any real estate but real estate that will hold its value, even if single family houses go down. It is apartment buildings. Because apartment rents are still going up, the value of apartment buildings have the best chance of appreciating while everything else goes down.

Low interest rates mean that you can have a positive cash flow at real estate purchase prices you would have lost your shirt on, even two years ago. Rates are currently 4.5% to 6.5% interest rates when we used to pay 9% for apartment loans just a few years ago. Apartments have become a better investment for two main reasons. First basket nike 2018 pas cher , carrying costs (interest costs) have been going down. Second, income has been going up, substantially. Can things be better than this? YES IT CAN.

I have developed two programs. One is to take people with a small net worth and build an estate or self directed IRA (tax free retirement plan) that is worth up to $800,000 in 15 years and that generates an income of $60,000 per year with both still going up after that.

For those that can put together $100 nike air max pas cher 2018 ,000 to start I have developed a second program where the numbers come in at $1,300,000 net worth, with a $100,000 annual net profit and in only 10 years. Unbelievable? And nike air max pas cher 2019 , with low risk as well! This comes out to be a 25% annual return with no roller coaster stock market ride. I figured out how to do it and it really works. I have done it before and I know many now retired senior citizens that have done it in the past.

The problem today with most 50+-year-old baby boomers is that they never got started in build a retirement fund. So now, instead of having the normal 30 years to build a retirement fund, they need to be there in 10-15 years. It might take one year of financial hell to come up with some cash. (That means no money for anything except accumulating cash) But after that, it can be a sweet painless ride to wealth. The best part is the possibility of failure is less than 10%, if my steps are followed

First: The money is not touched for 10 years. That is why a trust fund site nike air max pas cher , IRA or a self directed retirement plan is a great place to put this.

Second: I have taken my 30 years of real estate experience to develop exactly which properties will give the biggest appreciation and cash flow and also be the best risks. Interestingly, almost everyone I talk to picks the wrong locations to buy until they hear the whole list of criteria.

Now that I have told you the lazy man's way to riches, let me tell you the downside. You have to have the correct timing on your purchase. In Dec 2001, everything was in place to do these two programs, in Los Angeles County. Unfortunately air max pas cher taille 36 , by July 2002, the numbers didn't work any more. They did still work in Florida, for example, but not in Los Angeles. What happens is that prices go up after the rates go down. The seller sees how good a deal the buyer can get and raises the asking prices. So! Your timing to start these programs is very important. Do not be discouraged, though. If the numbers do not work today basket air max pas cher , it will work sometime tomorrow. The system is sound, and since we are talking long-term wealth accumulation, a little patience can go a long way.

About The Author

Willard Michlin is an Investor, California Real Estate Broker, Accountant air max pas cher livraison gratuite , Financial Distress Consultant, Well known Public speaker and AdministrativeBusiness Consultant. He can be contacted at his Ventura, California office by calling 805-529-9854 or by e-mail at kismetrei@ . See other article by Willard at ; kismetrei@
Being able to capture the likeness of a human being on canvas, using paint, is certainly a sought after accomplishment for many new painters. It can also be somewhat challenging. This article will cover some of the more basic portrait painting tips & techniques and help lessen some of the confusion many beginners face. With practice air max pas cher chine , you will soon be painting portraits like the masters.


If at all possible, I highly recommend you paint your portraits using a live model as opposed to a photograph. There is simply no substitution for painting from life.


Painting a successful portrait is all about how you observe the subject. You want to study the subject as a whole. Study the bone structure and try to see shapes and planes. Do not try and paint every little detail exactly as you see it.


For beginners, it is probably best to start out with a lighting effect where light and shadow are in high contrast. This will make for a much easier painting.


Focus on one section at a time. Finish each section before moving on to the next.


Keep the darks of your portrait at a thin consistency while your lights should be painted on thickly.


Many beginners struggle with mixing flesh tones. I know I did when I first started painting. Remember that skin comes in a variety of values in your painting to create balance.


When painting hair, don't try and paint every individual strand of hair. Look at the hair as . Cheap Jerseys Free Shipping Cheap NFL Jerseys Cheap NFL Jerseys From China Wholesale Jerseys Wholesale Jerseys Cheap Custom MLB Baseball Jerseys Cheap NHL Hockey Jerseys China Wholesale College Jerseys Wholesale Hockey Jerseys Cheap Custom Made Jerseys Free Shipping