My Short Review of Mafia Wars Blueprint, Does it Really Work?

I love Mafia Wars. Don't ask me why. It's a silly, very basic interfaced game that really only draws so much attention because people want to see how their friends are doing. But, for millions every day, it is an entertaining diversion that allows them to show off how good they are at networking and completing simple tasks. 

Using a Guide

But, let's face it. Mafia Wars, for as simple as it seems, is tough to do well in. There are just so many people out there and you have to compete with every single one of them. They rob you, beat you up and take all the good mafia members. So, where do you go to find the path to glory without spending tons of cash (*cough* Godfather Points *cough*).

The answer is simple enough now that I've stumbled upon the Mafia Wars Blueprint. This guide, which was recently released to quite a bit of interest, is quickly becoming the go to guide for anyone truly serious about finding the best guide on the market to help them launch their Mafioso career.

The basics are relatively simple. The guide shows you how to get started in the game, how to build your mafia at rapid speed without having to spend a dime, and how to never actually get beaten by your enemies. 

Beyond that though, it shows you to reduce the time spent while getting more from that time. The biggest problem most people have with this game is that they're not bored college students who have nothing better to do than to sit around and play the game. 

So, a guide like this that breaks it down in a way that makes it incredibly easy to get a lot done very quickly is incredibly impressive. 

Click Here For More Information

 

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Feng Shui Kitchen Planning for Prosperity and Health

If you want to arrange your home by feng shui, you may want to start with feng shui kitchen, because the kitchen is where we to spend a lot of our conscious time.

According to feng shui, the kitchen represents nourishment and prosperity. Good nutrition is always associated with health and wealth. By designing your kitchen in accordance with the principles of feng shui, you may assist in your own prosperity and health.

Feng shui is a rather complicated theory presented by various schools, where tips are usually given for a particular house and the individuals living in it. Despite this, there are basic principles applicable to any kitchen, which will help to make it a feng shui kitchen.

Location: This does not always depend on us. However, if you are building a house or you have the option of re-planning, you can build the kitchen in the right place - the rear of the house, or at least, behind the central axis of the house.

It's considered a negative if you see the kitchen as soon as you enter the house. This may encourage you and other residents to eat non-stop. It may also cause your guests to leave immediately after eating. Even if your kitchen is in the front, do not panic, because there are certain techniques that will help to reduce the possible negatives. You can hang beaded curtains or blinds on the kitchen door. You can also place something bright and distracting diagonally across from the kitchen, such as a painting.

Color Palette: Try to avoid red and orange hues in the kitchen, because they can provoke controversy. Try to use white, light green and light blue, to balance the elements of Fire and Water. For the same reason, try to use the utensils, appliances, and accessories made of stainless steel.


The positioning: One of the most important principles is that the one who cooks is in the dominant position. That is, standing behind the stove or table, you should be facing the door. This may be difficult to achieve in small kitchens; if you have a small kitchen, you can hang a mirror or other object with a reflective surface over the stove. The mirror can be of any size, but the larger the better. It's good if the kitchen is spacious and has a wide doorway - in this case, you do not feel isolated.

According to experts, a feng shui kitchen should be based on a triangle – the refrigerator, stove and sink should form the angles of a triangle. The distance between them should be about 6 feet - this will ensure maximum comfort with minimal repetitive movements. This arrangement will also help to separate the elements of Fire (stove, microwave oven) from the elements of Water (refrigerator, sink). They can also be separated with the Wood element, such as wooden furniture, a plant or images of plants.

The stove should not stand next to the window, because heat represents prosperity and wealth, and nobody wants their wealth to fly out the window. The feng shui kitchen has to be kept clean and tidy. If anything breaks, try to get rid of it as fast as possible.

Jakob Jelling runs http://www.fengshuicrazy.com which teaches the ancient art of feng shui. Please visit his website to learn more about feng shui kitchens.

Author: Jakob Jelling

Identifying and Avoiding Mortgage Fraud

Recent financial industry distress publicly attributed to widespread mortgage loan defaults has generated mounting pressure on federal prosecutors to increase investigations into incidents of mortgage fraud across the nation. On February 6, 2004, CNN reported that the FBI warned that mortgage fraud was becoming so rampant that the resulting “epidemic” of fraud could trigger a massive financial crisis. Mortgage fraud has now become so prevalent that the United States Department of Justice and the Federal Bureau of Investigation have been forced to create an entirely new category for tracking these cases. According to a CBS news report, the number of FBI agents assigned to mortgage related crimes increased by 50 percent from 2007 to 2008. Prosecutors and investigators on both the state and local levels are also feverishly organizing task forces and creating real estate fraud departments to counter this burgeoning wave of crime.

CRIME & PUNISHMENT

The primary focus of these investigations appears to be on borrowers, investors, mortgage brokers, appraisers and real estate agents. Some of the charges levied against these perpetrators have included making false statements on loan applications, bank fraud, mail fraud, wire fraud, conspiracy to launder funds and a number of applicable state laws. However, the primary legal vehicle implemented by federal prosecutors has been section 1014 of Title 18 of the United States Code which declares mortgage fraud as a federal crime encompassing anyone who willfully overvalues any land or property, or knowingly makes any false statement, for the purpose of influencing a financial institution upon a loan application, purchase agreement or other related documents. A violation of the federal mortgage fraud law (18 U.S.C. § 1014) alone is punishable by up to thirty years imprisonment and a one million dollar fine.

MORTGAGE FRAUD SCHEMES

The most effective way to avoid prosecution for mortgage fraud is to identify mortgage fraud schemes prior to any actual involvement. Most mortgage fraud offenses fall into one of two general categories: “fraud for housing” and “fraud for profit”. Fraud for housing often involves fraudulent acts committed by a borrower, often coached by his or her mortgage broker or real estate agent, to obtain a loan for the ultimate goal of acquiring a home. These fraudulent facts generally pertain to the falsification of facts and documents during the loan application process to enable the borrower to obtain financing that he or she would otherwise not be qualified to receive. Conversely, fraud for profit typically involves a more concerted plan to abuse the entire real estate transactional process for pecuniary gain.

FRAUD FOR HOUSING

Income Fraud

This occurs when a borrower inflates his or her amount of income to qualify for a loan or a larger loan amount. Although recent reductions in the use of “stated income” or “no-doc liar loans” has somewhat curbed income fraud, daring borrowers are increasingly generating more fraudulent documents to falsify income. Information technology and photocopy equipment have become so advanced that very convincing documentation, such as income statements, savings accounts and tax returns, can be produced on demand.

Employment Fraud

In order to justify overstated income in a loan application, borrowers will claim self-employment in a non-existent company or represent having a higher position in a company than the borrower actually holds.

Failure to Disclose Liabilities

The debt-to-income ratio is an important part of the loan underwriting criteria used to determine a borrower’s eligibility for mortgage loans. Consequently, borrowers will conceal financial obligations like newly acquired credit card debt, other mortgages, and private loans to artificially reduce their debt-to-income ratios.

Occupancy Fraud

Generally occurs when a borrower states on a loan application that he or she intends to occupy a property as a primary residence to secure a lower interest rate when the borrower actually intends to obtain the loan to acquire an investment property.

FRAUD FOR PROFIT

Equity Skimming and Cash-Back Schemes


A straw buyer is typically implemented as the buyer of the property due to his or her creditworthiness and resulting ability to obtain favorable financing. Unknowing straw buyers can be manipulated by mortgage brokers and real estate agents to purchase a property as a primary residence with the broker or agent later serving as a property manager to collect anticipated rental income. After the escrow closes and the mortgage and real estate brokers collect their commissions, they proceed to collect rental income and fail to make the mortgage payments.

Complex schemes can involve a knowing straw buyer, an appraiser who intentionally overstates the property’s value, a dishonest seller that intentionally inflates the selling price, and a dishonest settlement officer that makes undisclosed disbursements from the loan proceeds. All of these conspirators collaborate to collect portions of the proceeds of an inappropriately large loan before eventually letting it go into default.

Appraisal Fraud or Price Inflation

This fraud occurs when a dishonest appraiser intentionally overstates the value of a property or when an existing appraisal is altered to reflect a higher value. When a home is overvalued, more money can be obtained by the seller in a purchase transaction or by the borrower in a cash-out refinance.

The New Appraisal Fraud: Price Deflation

When done legitimately, a short sale occurs when a borrower that owes more than his or her property is worth sells the property below market value and the lender agrees to accept the lower repayment amount and forgive the difference. A new hybrid of fraud has emerged where an appraiser or a real estate agent drastically devalues the property in an appraisal or broker’s price opinion (BPO) so that the home will sell with ease at a price well below market value. Of course the new buyer is in collaboration with the seller, agent and appraiser, so all of the conspirators proceed to sell the home at a higher price for a big profit.

Identity Theft

Identity theft fraud occurs when a victim’s identity is assumed by another to obtain a mortgage without ever intending to make any payments on the loan. The perpetrators often abscond with a portion of the loan proceeds and sometimes are daring enough to lease the property and collect some deposits and rental income before disappearing.

The Buy and Bail

This completely new scheme is perpetrated by a home owner who cannot sell the home because more is owed on the property than its worth. Because no lender will provide the owner a loan for a second primary residence, the owner tells the lender that he or she plans to rent out the current home despite having no intention of doing so. Sometimes a falsified rental agreement is used to further support the falsehood. Once the second home is purchased, the owner “bails” on the original home and fails to make any further mortgage payments.

AVOIDING & PREVENTING FRAUD

Mortgage fraud frequently emanates from groups that complete an abnormal amount of similar transactions or churn out many offers to purchase at once. These outfits may appear disorganized or unprofessional due to the large amount of transactions they are attempting to manage. It is also no coincidence that mortgage fraud has significantly increased as housing values have decreased since most fraud schemes involve a financially distressed or otherwise vulnerable seller. It is equally important to remember that agents owe a very strict fiduciary duty to act in their clients’ best interests. So before reporting a client to your local authorities, speak with legal counsel or your state real estate licensing department to ensure that your proposed actions don’t constitute a breach of your fiduciary duty to your client.

Real estate agents are in a unique position that enables them to identify and even prevent the occurrence of fraud by recognizing the red flags, asking appropriate questions, and giving the principals in their transactions the full picture of what consequences are associated with participating in mortgage fraud. While a lot of damage has been done in the real estate market, we can prevent more of the same from occurring in the future.

Author: Brian S. Icenhower

Simple Methods to Control Panic Attacks Without Medication

If you suffer from an anxiety disorder, panic attacks may be a part of your life. Even with proper medication, many patients suffer from panic attacks. Although predicting when a panic attack will happen may be a bit tricky, you can take steps to prepare for these panic attacks in order to take back control of your life.

The first step to taking back that control is to learn to breathe. When a person has a panic attack, often they feel so overwhelmed that they forget to simply breathe properly. Many doctors, therefore, advocating safe breathing practices in order to help calm anyone having a panic attack. In fact, if you’ve ever had a panic attack in public, someone may have tried to get you to breath into a paper bag. This may or may be a good method for you, but the fact is that you should know and practice your breathing exercise before you are panicking. Have a plan — learn calming breathing techniques and practice at least twice a day.

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Other relaxing practices may also be able to help your panic attack. Of course, you might find it difficult to even consider meditation when you’re having a panic attack, but by learning this relaxing procedure, you can use some of the same calming techniques that help you to meditate to help you calm down.

Another great way to prepare for a panic attack is to simply know your triggers. Do you have a specific phobia? Is excess stress your downfall? Do certain situations seem impossible for you? When you know what triggers panic reactions, you can do your best to avoid or minimize these situations.

You should also be medically prepared for a panic attack. When you go outside of the home, take with you a list of emergency contacts, which should include your doctor’s number, your local crisis hotline, and members of your personal support systems. You can use these phone numbers yourself if you feel a panic attack starting, or another person will easily find this information in your purse or wallet if you are not capable of helping yourself.

Also take with you a bag to help you feel comfortable and calm down during a panic attack. A crucial part of the bag is any medications you may be taking, along with instructions on taking it. You can also include any items from home that will help you feel more comfortable. This can include herbal tea, a stuffed animal, religious items, photos, rubber bands to snap on your wrist, mints, hand cream, money, a puzzle book, and anything else that may help you relax, stimulated your brain, or distract yourself. Remember, comfort is key.

Author: Anne-Marie RONSEN

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Farmville True Strategy Guide

The Ultimate FarmVille Guru Shares the Secret Tactic
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Dear Future Farmville Tycoon,

f you're sick and tired of running around totally broke while other players get barns and greenhouses and the most expensive villa, this information is for you.

You've probably always wondered why you can't seem to make as much money or level up as fast as the other players in the game.

I used to wonder the same thing. I thought,

"Where are these people making money so fast?"

"Are they buying it on FarmVille?"

"What are they growing and selling?"

So I set out to spy on all the successful players I could find to see just what they did to earn all of their money and to level up so fast.

I spent months using stealth tactics to track high level players everywhere from the forums to adding them and visiting their farms and back.

I discovered just what it was they were doing to make extreme amounts of money- and then improved upon their methods myself and even created amazingly profitable new techniques.

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