A Smarter Way To Invest

Update: August 16th, 2015

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Statistics show that nearly 95% of our fellow citizens

will retire at or below the poverty line by the age of 65.

These people will be dependant on friends, family and the

Federal Government for financial support.

If ours is the land of opportunity, why does this

startling reality exist? The answer can be traced back to

our upbringing.

From our early years we are taught that the correct path

in life is to go to school, get good grades, and get a

“secure” j.o.b (Just Over Broke) with benefits. Sound


And let’s face it folks, you won’t ever get rich working

for someone else! With “Job Security” a thing of the past,

thousands of people are looking for alternative ways to

make money.

Real estate investment continues to be one of the largest

wealth creation tools in America. It remains one of the

fastest and proven ways to amass a fortune, and more

importantly, once you understand the basics, almost anyone

can do it.

Incredible profits can and are being made by purchasing

run down homes and improving their value with a quick

makeover. The strategy is quite simple: Buy a run down

home below market value (wholesale), fix it up, and sell it

for full retail price.

Newcomers to this field are advised to devote considerable

time to research and study. Before you test the waters,

there are four factors that you should consider:

1. You must know something about remodelling and get an

idea of how much it will cost to get the house back into

shape. Consider what you will be able to do yourself and

what it will cost if you have to have it done.

2. The location and design of the home are two of the most

important factors to consider. Study the neighborhood,

shopping and transportation facilities.

3. You make your profit when you buy. Therefore, you must

learn how to calculate your ideal purchase price.

4. You should always finance the project in the most

inexpensive way and use very little if any of your own


Why is it a smarter way to invest? Traditional buy and

hold is too slow for my liking. Buying a home and relying

on the market to go up is one of the riskiest ways of

investing that I know of. I call it the buy and hope


I prefer a method that will give me my profits up front,

and any increase in value from market forces should be seen

as a bonus.

Still not convinced? Well, here are another four powerful

reasons why:

1. Fast track your capital growth: The biggest advantage

of the buy, fix-up and hold strategy is that you can make

instant capital gains of 10 to 30 per cent over and above

any gains made from market forces.

2. Make $100,000 plus per annum: If your objective is to

buy, fix-up and sell, then a six-figure income is not out

of the question. The equation is quite simple really: Five

properties flipped at a $20,000 profit each equals $100,000!

3. Sack your boss: Depending on your financial

circumstances, you may be in a position to generate enough

income and stop working full time.

4. Get a life: You have probably heard the saying that the

day you find a job that you love doing, is the day you stop

work. If, like me, you enjoy rolling up your sleeves and

getting your hands dirty, then this may be the greatest

career move that you make.

As you can see, fixing up old homes does have its

advantages over traditional strategies. Sure it may take

more work, and things don’t always go to plan. But as

anyone who is wealthy will tell you, their level of success

has a direct relationship with the effort they put in.

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About the author: Sal Vannutini is a successful real estate investor and author of the best selling “Fixer-Upper Fortunes”. Free e-book and 6 Part mini-course reveals how to make a fortune in real estate. Visit: http://www.fastfixerupperprofits.com

In A Town Called Google The Keyword Is Real Estate

Update: August 17th, 2015

The late Conrad Hilton who built a chain of hotels across the world, was firmly of the belief that if he built a hotel in the right location it would make money. “Location, Location, Location” was his motto. Never build a hotel where there ain’t no traffic.

The same rule applies on the Internet. Build your site in the right location and it will succeed.

So the question is: “how do I find the right plot of Internet real estate on which to build my site?”

For the purposes of this exercise I would like you to imagine a smart seaside town called Google.

Along the sea front and around the marina, where the luxury yachts are parked, are smart hotels, casinos and apartment blocks. At street level in each of these buildings there are international shops like Tiffany, Gucci and Prada selling luxury goods.

In the next block back from the front are really nice houses owned by wealthy citizens. And behind them are not-quite-so-nice houses and apartments. So it goes, as you walk away from the sea front the houses and shops become less and less expensive. Until, just on the outskirts of the town of Google, there is a trailer park where the least wealthy citizens stay.

In the town of Google it costs a lot of money to rent one of the shops on the seafront because they are seen by large numbers of passers-by. These will be both the wealthy people staying in the town and day-trippers who are just sight-seeing. However, you can rent a shop in the trailer park for much less money. Here you will still get valuable passing traffic but the competition will not be nearly so great.

The mistake that most people make when they build their web sites is to build around keywords which all the powerful multi-nationals are using for their seafront stores. These organizations are spending mega bucks to get their web sites to the top positions on the search engines. Your chances of competing with them and achieving a top search engine ranking are very slim.

Much better to build your web site around the ‘trailer park’ keywords. Where you can still get masses of valuable traffic, but you’re not competing with the mega-buck budgets of the multi-national corporations.

About the author: This article is taken from the second lesson in the free Diploma Course at The Online Business Academy. It goes on to tell you how to develop your web site to achieve the best possible search engine page ranking. You can join the free Diploma Course at http://www.TheOnlineBusinessAcademy.com

How To Start A Legal Courier Service Business

Update: August 23rd, 2015

The legal industry can provide great business to a courier company. Attorneys often use same day delivery services for transporting legal documents to and from offices , as well as courts. Legal professionals also use courier services for delivering last minute evidence to court rooms, which often is a last minute on demand or rush delivery service. These accounts can provide great income for a growing courier company and should be pursued aggressively.

A small local courier company can easily aquire these local legal offices and gain a nice income from them. The first step would be to publish a newsletter or brochure and have a sales representative personally introduce themselves to the owner and present the marketing papers. A personal introduction between local business can gain a great relationship of trust and word of mouth between other legal offices may increase your business with little effort at all.

If presenting your company in person is not your style, preforming monthly “mailers” can work just as well, either way you are “cold” selling, by meeting in person you have more of a chance to present your company and warming up the potential client, however, there is the risk of a bad presentation. A bad first impression can cause many negative effects, so simply mailing your marketing brochure to every local legal office a few times might just do the trick. The conversion rates are not as high as a in person meeting, but with some persistence they can be effective. A few mailers spread out over a few months could prove very effective.

The legal industry is a very good resource for the growing courier company. The best way to gain the account is dependable on which way you feel you can better represent your company to a potential customer. If you are not a salesmen or do not have a sales representive who is capable of handling such a task, a mailer is the right option for you. If you are personable and able to present yourself and your company well, by stopping by the office you will increase conversion rates and have a better chance of landing the account.

Franchise Legal Considerations

Update: August 21st, 2015

Franchise Legal Considerations

One of the most important events in franchising is the introduction of the Franchise Rule on October 21, 1979 by the Federal Trade Commission (FTC). The FTC Franchise Rule requires all franchisors operating anywhere in the U.S. to make full disclosure of the information that a prospective franchisee needs in order to make a rational decision about whether or not to invest.

In effect, the rule obliges franchisors to meet certain FTC standards, such as ensuring that a reasonable basis for any claims exists, that the disclosure has been prepared in accordance with accepted accounting principles, and that there is evidence to support the financial claims, and that the franchisee, among others, can see this evidence.

In particular, the disclosure rule requires that the franchisor provide information about:

(a) The franchisor and its affiliates, describing the business experience of each of its officers, directors, and management personnel responsible for franchise services, training, and other aspects of its program.

(b) Any lawsuits or previous bankruptcies in which the franchisor, its officers, directors, and management personnel have been involved.

(c) Initial franchise fees and other payments required to obtain a franchise, and a description of continuing payments to be made after the franchise opens.

(d) Any restrictions on the quality of goods and services used by the franchisee and where they may be purchased, including restrictions requiring purchases to be made from the franchisor or its affiliates.

(e) Any assistance available from the franchisor or its affiliates in financing the purchase of the franchise.

(f) Restrictions on the goods or services franchisees are allowed to sell and any restrictions on the customers with whom they may deal.

(g) Any territorial protection to be granted the franchisee.

(h) The conditions under which the franchise may be repurchased or refusal renewal by the franchisor, transferred to a third party by the franchisee, and terminated or modified by either party.

(i) Any training programs provided to the franchisees.

(j) Any involvement of any celebrity or public figures in the franchise.

(k) Any assistance provided by the franchisor in selecting the site for the franchisee.

(l) The number of present franchises, franchises projected for the future, franchises terminated or not to be renewed, and the number repurchased in the past.

(m) The financial statements of the franchisors.

(n) The extent to which franchisees must personally participate in the operation of the franchise.

(o) The basis for any earnings claims made to the franchisee, including the percentage of existing franchises that have achieved the results claimed.

(p) The names and addresses of other franchisees.

This disclosure must occur at the first contact with the franchisor, franchise broker, or anyone who represents the franchise for sale, where the subject of buying a franchise is discussed. The disclosure must be at least ten business days before the signing of any franchise or related contract or payment to the franchisor.

Although the FTC does not require registration from franchisor, several states do have registration rules requiring franchise sellers to register. Most states have adopted the Uniform Franchise Circular Offering (UFOC) guidelines for their disclosure requirements, but as a potential franchisee, do not assume that if a franchise is registered with the state or provides some type of full disclosure document, you are protected from the possibility of a failure or rip-off. You must use common sense and do your research!

© 2002-03. GlobalBX. http://www.globalbx.com. All rights reserved. Buy a Business or Sell a Business on GlobalBX. GlobalBX is a free business for sale listing exchange that provides a confidential forum to facilitate the buying and selling of businesses with thousands of businesses and franchises for sale as well as comprehensive business information for business buyers and business sellers. Lists businesses for sale, business brokers, and franchise opportunities.

About the author: Jim Brown is Director of Marketing at GlobalBX, http://www.globalbx.com. Buy a Business or Sell a Business on GlobalBX, a free business for sale listing exchange that provides a confidential forum to facilitate the buying and selling of businesses with thousands of businesses and franchises for sale as well as comprehensive business information for business buyers and business sellers. Lists businesses for sale, business brokers, and franchise opportunities.

Web Site Traffic Solution for Home Based Business

Update: August 18th, 2015

Advertising your services or products on the Internet is both extremely effective and extremely competitive. There are several ways to get home business web site traffic to your website; Pay-Per-Click is one of the options you can choose from, along with developing an SEO, or search engine optimization campaign. Both pay-per-click and SEO are targeted to get your website placed as close to the top of search engine results as possible. One of the differences is that it takes minutes to set up a pay-per-click campaign versus months for a good SEO campaign.

Pay-Per-Click is a simple type of paid advertising that most search engines, including some of the largest ones, now offer. It requires a bid for a “per-click” basis, which translates to your company paying the bid amount every time the search engine directs a visitor to your site. There is the added bonus that when a per-click site sends your web site traffic, your site often appears in the results of other prevalent search engines.

As with all marketing campaigns, there are advantages and disadvantages. If you understand the process and monitor your pay-per-click campaign frequently,you can get home business web site traffic to your home based business website. One of the greatest advantages is that you never have to tweak your web pages to change your position in search engine results, as you must do in a typical SEO campaign. What you do have to do in a pay-per-click campaign is pay a fee.

Another advantage is the simplicity of the pay-per-click process. You just bid and you’re up and running. It doesn’t demand any specific technical knowledge, though the more you know about search engines and keywords, the easier – and more effective – the process will be.

The downside is that pay-per-click is essentially a bidding war. A higher bid than yours will lower your position on search engine results. This means that you will have to raise your bid to to get home business web site traffic – which can obviously become quite expensive, especially if you are bidding on a popular keyword.

About the author: Joe L.Golson


Affiliate Marketing And traffic Solutions

Find free, low-cost internet advertising traffic resources, services and information for a home based work at home business web traffic solutions

Is Asset Protection Legal?

Update: August 19th, 2015

Perhaps you’ve heard of or seen Hollywood’s portrayal of Swiss Bank accounts, Offshore Trusts and Corporations, and Tax Havens of the rich and famous as jet setting moguls live mysterious yet exciting lives.

But in the real world, although these same financial structures (most administrated by reputable and legal banks), have been around for hundreds of years, there are still many people who consider the above strategic asset protection entities as illegal.

I think we need to look at what they were intended to do. Asset or lawsuit protection laws were designed for the very purpose of protecting your assets from being frozen and the possibility of unjust forfeiture.

Still others consider asset protection a moral dilemma… something unethical or dishonest. This is the furthest thing from the truth.

But, at the same time, I’m not trying to start a moral debate here nor am I recommending nor would any attorney in their right mind advise that you avoid paying a judgment or fine that you rightfully owe.

That being said, I feel you should be in the position to make the final verdict on what is fair and right.

Because when lifetime, incumbent judges and bleeding-heart juries stop handing out ludicrous decisions, then I’ll be the first person to tell you that you’ll no longer need to protect your hard earned assets.

I guess the irony of it is, collection lawyers, government agencies such as the IRS and the FTC, and everyone outside the asset protection circle, make every effort to characterize legal asset protection as dishonest, fraudulent, or worse.

Of course, their motives are transparent. They viciously denounce anyone who successfully stop their efforts to collect or seize their assets which then disrupts the stream of income flowing in their direction.

So, total asset protection is NOT illegal or a privilege; it is a freedom protected by the U.S. Constitution. Imagine that.

I think most people would be totally surprised at how many of our politicians and well known corporate giants have gone offshore to safe guard their millions in assets.

Looking into asset protection and then taking action to protect your business and personal assets maybe one of the most important and intelligent financial decisions you may ever make.

So, talk to an asset protection consultant and attorney now… before its too late.

Because the cost of setting these protection devices in place will be ridiculously small compared to the cost of losing your home, cars, retirement and investment accounts. Not to mention the unimagineable stress. Do it now.

About the author: Floyd Tapia has over 8 years of tireless work and research experience on the topic of legal, maximum asset and lawsuit protection. This simple but impenetrable strategic entity is becoming well known throughout the United States. Read more about affordable bulletproof lawsuit protection: http://www.lawsuit-protection.com/the_tapia_brief.html http://www.lawsuit-protection.com/bulletproof_assets.html

How To Make Money In Real Estate Without Buying Any Property:

Update: August 20th, 2015

How To Make Money In Real Estate Without Buying Any Property: Become A Mortgage Broker.

Will Real Estate prices keep going up or will the bubble burst?

Who knows? Either way, real estate is a risky business. Tying up all that money and having very little liquidity can spell disaster for any investor.

In any hot market there are always ways to make money without taking any risk yourself.

Just look at Levi Strauss. He traveled west during the Gold Rush to make his fortune as a gold miner. But he found that it was harder than advertised. So instead he did the next best thing, he started selling to the miners. He sold them something they all needed – jeans! And he made his fortune without risk. In fact, many of the store owners in that area got rich selling to the people who had the “gold bug”

If you want to make money on the real estate boom, I suggest you sell to the people who have the “real estate bug”. The people who want to get in on the bull market and make a killing. Sell them something they all need- money!

You can do it just like I do, become a mortgage broker.

Become a mortgage broker and you can easily make hundreds of thousands of dollars by helping other who want to get rich quick in real estate.

There is very little cost to get started and no risk. When you become a mortgage broker, you can still keep your day job and work part-time while making a full time income.

In many states you don’t even need a license to become a mortgage broker. You can get started today!

There is more demand for mortgage brokers today than ever in history. And demand will continue to grow. The U.S. population continues to grow. Everyone wants the American Dream of owning their own house. If you become a mortgage broker you can make that dream come true for your fellow Americans.

If you want the cards stacked in your favor you should really look a little closer at the trends that give more reasons to become a mortgage broker.

– The U.S. Population is growing exponentially.

– Americans are saving less then ever before – if someone wants to buy a house, they have to borrow money. They have no choice. They must use your service.

– As home prices go up, so do mortgage broker commissions. The fees are a percentage of the loan amount.

– More and more people are buying second homes and vacation properties.

– Over 65% of people getting a loan use a mortgage broker instead of a bank.

When you become a mortgage broker and work part-time you can work from home and keep your day job. If the market goes up – great!. If the market goes down, people will be selling their homes and investors will be buying. These investors will need loans from you to buy. You make money either way.

You could also be a real estate agent. But you’d have to drive people around all day. Becoming a mortgage broker means you can sit in your office while people come to see you. There is no need for you to go anywhere.

After you become a mortgage broker, life will never be the same.

About the author: Ameen Kamadia, “The Millionaire Loan Officer” is a mortgage consultant, coach and trainer. He still does loans in his free time. To learn more about how to become a mortgage broker visit http://www.mortgagebrokertraining.com

When is the Right Time to Invest In Real Estate?

Update: August 22nd, 2015

You know what I’m going to say, right? I bet you think I’m going to say that it’s always a good time to invest in real estate.

Well, I’m not.

There are rare occasions when you should not be buying property…or selling for that matter. Simply put, you should not buy or sell property if you are in an area, or encomonic times are such that property is loosing value.

Granted, this isn’t very often and is usually very localized…the Southern California market crash of a few years back comes to mind.

If that happens in your area, just hold what you’ve got. Don’t buy or sell until things improve. The rebound can often be quite profitable!

Now, the flipside of that is, if property IS going up in value, maintain your steady approach to building your wealth by increasing your real estate inventory.

This applies even if the housing market is tight, slow, a buyers or a sellers market or even if it’s considered booming. All that doesn’t matter. Just maintain your investment criteria and keep your hooks in the water looking for property.

When the economy slows, typically housing appreciation slows, but doesn’t stop or go in reverse. So, real estate remains a great investment vehicle through good times and bad. Here’s a very simple example comparing real estate investing to a really good stock/mutual fund/401K investment.

Let’s say I have $100,000 invested in a security such as a stock, bonds, 401K.

If I make 10% on that money…a GREAT return these days…then I make $10,000 off that investment per year.

To make that same $10,000 with real estate, it takes much less, or none of my own money. That makes real estate investment a much smarter play.

Let’s say I am going to buy a property that, once repaired, will be worth $100,000. I typically buy property at around 55% of the as-repaired value (a rough average). So, in our example, I am buy this property for $55,000. My 70% loan-to-value loan gets me $70,000 which covers my closing and some or all of the rehab…usually all.

Once the rehab is completed and a renter in, I refinance this property at a 90% loan-to-value level and pocket around $8-10,000.

If I go this route (keeping the property and renting it), I retain the tax benefits year after year, and not only have I made $8-10,000K from it already on the refinance, it continues going up in value. Given a 5% appreciation rate, which is conservative for most areas, I stand to make around $5-6000 per year. This means if I sell this property 4 years down the road, I stand to make another $20-30,000 or more.

So, in our example, the house I had very little or none of my own money in, now stands to make me around $30,000 NOT including the tax break I enjoy from it.

This is one property, I have more than one, so apply this rough formula to the values in your area, and do it for the number of properties you want to hold in your inventory. The numbers get pretty good, don’t they?

Let’s take our example another way. Let’s say I have $100,000 to invest like our original example. Instead of putting that into the markets, you decide to control as much property with it as possible.

Let’s say I decide I can live with putting $5,000 into the purchase of each property. So, I buy and rehab 20 properties with that $100,000. Let’s just assume each property is worth $100,000 when repaired. So, that $100,000 controls you $2,000,000 worth of property. (Note that it may take a couple of years to find, buy and rehab 20 properties that fit your criteria!)

Let’s assume you re-fi these from your hard money and can only pull out $5000 per property (remember I put in $5000 of my own money in these for the purposes of the example).

From the re-financing, you’ll put $100,000 in your pocket recouping your original investment ($5,000 per property). The rest is gravy, and here it is.

IF you average your 5% appreciation, you are making, you are making $100,000 per year. Not bad!

If you are making just $100 per property as positive cash flow (rent minus mortgage + taxes + insurance), then you are making $2000 additional per month.

I’m not including what you’ll save with taxes.

Sure, you have to be a landlord for a few years, or pay someone to be. Sure, there will be headaches along the way.

But, let’s say you decide to sell off all 20 properties 4 years later and you average a $25,000 profit from each…

You will have made $96,000 from the positive cash flow

You will have made $500,000 from the 5% appreciation

You will have saved thousands on your taxes annually

I’ll take real estate investment any day!

Cash Now For Your Real Estate Contract

Update: August 24th, 2015


The private mortgage industry is a relatively young business with roots that can be traced

directly to the emergence of seller-backed, or owner, financing. Prior to the very high

interest rates of the late 70s and 80s, seller-backed financing was not a common financing

option. The only loan option for most real estate buyers was through a bank or savings and

loan institution. But with interest rates topping out at 22 percent, financing for real

estate was either unavailable or too unattractive for most buyers. Real estate sales


Desperate, those with real estate on the market turned to innovative, unusual ways to

attract buyers. One of the quickest to catch on was seller-backed financing. The seller

would “hold paper” on the property, allowing the buyer to pay a mortgage directly to the

seller. Simple and straightforward, the financing option appealed to both the seller and the

buyer because it beat the high interest rates and circumvented the unavailability of

traditional financing. Often this was the only way to sell real estate in the high interest

rate market.

As more and more individuals held private mortgages (called private because they are not

held by banks), a need developed for the holder to be able to sell these mortgages. Thus,

the private mortgage industry was born. Seller-backed financing has developed into an

accepted and standard way to finance real estate. As a result, the private mortgage industry

has flourished, earning a place of respect in the financial community.

The amount of private real estate paper has risen dramatically. It is conservatively

estimated that over $226 billion in real estate purchases is financed through private

(non-institutional) notes.

Seller financing provides many advantages to buyers and seller, but one area of concern to

many sellers is liquidity. How do they get cash from the note if they need it or want it?

Will they be saddled with a 15-year note or longer rather then having the cash that is


In response to this need, funding sources buy paper from note holders for cash, usually at a

discount off the principal balance of the note. This provides a means for the holder to

receive cash now instead of having to wait out the term of the note.

The evolution of this secondary market for privately-held paper has increased the

attractiveness of seller-backed financing, giving the seller a “fall-back” position. Some

sellers turn their notes over directly after the sale; others hold the notes until the cash

is actually needed. Selling property, holding a note and then selling the note for cash is

the yield equivalent of selling property for cash.


In order to obtain an accurate quote, it is necessary to have up to date information about

the note. All quotes will be subject to due diligence by the note purchaser.

The first critical item of due diligence will be verifying the credit worthiness of the

payer (mortgagor). The lower the credit score, likely the lower the offer.

The second critical item is a drive-by appraisal or valuation with comparisons of similar

houses and neighborhoods. The note purchaser wants to be sure there is adequate value.

One of the key things many people do not realize is they do not have to sell the whole note.

The note holder will always receive more money over time if they only sell part of the note.

We recommend that a note holder determine the amount of cash needed. A quote can be obtained

telling how many payments will be required in order for the note holder to receive the

necessary cash.

There are many options available when you have a contract or note and are trying to raise a

lump sum of cash: 1) sell the entire balance of the contract; 2) sell a specified number of

payments; 3) sell part of each payment, while continuing to receive the balance.

About the author: Would you like to turn your real estate note into cash? Save time and money… Work with a

professional. With over a decade of experience, Louise Pointer can help you avoid common

mistakes. Click -> http://www.NationalFundingResources.com

Homeopathic Treatment Of Acute Dental Conditions

Update: August 28th, 2015

We rich person been in homeopathic practice now for over 20 days. We remember the first time we attended a conference of the International Foundation for Homoeopathy, a number of old age after we were out of school, and heard a presentation by Jennifer Jacobs, MD on using homoeopathy for acute accent dental problems. Surprising though it may seem, it had not occurred to us how helpful the marriage of and dentistry could be. There are relatively few dentists who use with their patients, which makes it that much more important for other wellness practitioners to be familiar with this information. How many multiplication wealthy person friends, or patients recounted their woes of painful dental emergencies when they were far from domicile or were unable to get in quickly to see their dentists. We, and other homeopaths, give birth found to relieve ague tooth and gum pain until appropriate maintenance tin be obtained and, in some cases, to prevent the need for such upkeep.

tin can also be very effective in the treatment of chronic dental problems, but that is beyond the scope of this article. We recommend breastfeeding for at least one year before introducing dairy products.) Giving the baby something cold to chew on often relieves discomfort. This toilet be a pacifier or teething ring that has been placed briefly in the freezer, or ice wrapped in a clean, wet cloth. If you cannot find homeopathic medicines, in a pinch you lav give the baby dilute Chamomile tea.

If you cannot find the single best-indicated homeopathic medicine, try the homeopathic combination teething tablets available in any food store and most pharmacies. Don’t Leave Home Without It. Unless you or your family member’s intense dental emergency happens to occur down the street from a homeopathic pharmacy, the chance of your helping yourself and others is dependent upon having your homeopathic kit within reach. We privy’t tell you how many modern times we’ve reached into our glove compartment or pack to help out someone at a party or on a hike or kayaking trip.

About the author: Johnny Bee http://www.northfaceoutlet.net