Relocating To Canada – How To Find A Place To Live


Relocating to a big and popular country like Canada is indeed exciting but when it comes to establishing yourself there firmly, right from the time you have landed, things may seem daunting. One of the most challenging aspects immigrants experience post-immigration is finding a comfortable accommodation. Taking into account this fact, we’ll help you with some good information on how to find a comfortable accommodation in Canada and a few sources that shall help you find a good place to live in Canada. Keep reading!

Finding accommodation in Canada:

More often immigrants plan for a temporary accommodation first, and then transit to a permanent solution, probably when they have settled with a good job and found a place of their preference in Canada. These temporary accommodations could be hotels, monthly rental apartments, hostels, etc. But, a thing to remember here is that most monthly rental apartments of Canada are subjected to 12 month lease periods. For that very reason, Canada has introduced newcomer services for immigrants, which assists immigrants in their settlement and integration process and are completely free to access. Among these many services, one is assistance of finding an accommodation in Canada. Depending on these services will greatly help you as an immigrant to find the best place to live in Canada and at a much speedier pace. When you apply for an accommodation assistance, do consider the following aspects:

  • Desired location in Canada
  • Your budget
  • Ease of commute to your work place (distance and time)
  • Other associated expenses

What is the cost of living in Canada?

The cost of living in Canada merely depends upon the area you choose to live. While reviews say that places like Montreal and Saskatchewan are the most affordable places in Canada, terming them to be incredibly economical, Alberta and Vancouver are expensive cities. But, no matter where you plan to stay, you should be financially prepared as the cost of living in Canada will certainly be a little higher than the cost of living in your home country.

Sources to find a place to live in Canada:

Canada’s Mortgage and Housing Corporation: CMHC is the Government of Canada’s national housing agency and the best resource for you to settle in Canada. This corporation aims to provide products and resources of housing for people looking for accommodation in Canada. Be it a newcomer renting an apartment or a permanent residence planning for a home, this cooperation helps all with resources of their preference.

Housing directories: Depending upon the type of housing you are looking for, temporary or permanent, you can search for accommodations of your choice in the housing directories of Canada.

Classifieds or local newspapers: Often the classified section of local newspapers feature ads which feature the rental- houses of the respective area. Referring such will help you find a good place to live, according to your budget.

Websites: One of the most reputed and highly reviewed website of Canada is This website has a map of your chosen area in Canada, and will show you all the housing options available in that particular region. Also, and are good places which features listings of jobs, services, accommodations etc. available in Canada.

The best way to relocate to Canada is on a PR visa. By relocating to Canada on a PR visa, applicants get to enjoy several benefits from the Canadian government- free education, free medical for entire family etc. Connect to the best visa experts and get a detailed information about the PR benefits and process.


Source by Farheen Banu

Automated Real Estate Software – The New Trend in Investing


The value of real estate has appreciated in the last few years. It also shows great potential for growth. Hence, now might be the best time to look at an investment in property. However, if you’ve spoken to someone who already has his knees deep in real estate investing, you will realize that a lot of things are easier said than done.

It requires skill and experience to scour the market for high value properties.

Then comes landing good buyers.

Finally, there’s a humongous amount of paper work to handle.

This is where real estate investing softwares might lend a hand. They automate the entire process of real estate investing. If you would like to know more about such applications, here’s a low down on some of the common features they offer.

Lead generation –

At the click of a single button you are able to find a comprehensive list of buyers and sellers scattered across the country. The information elicited includes names and mail addresses of buyers, owners of properties, the type of property (bank owned, foreclosed, low and high equity, absentee owner etc.) and amount of cash paid.

Website creation –

Every business needs a website, especially if you do not have a physical location from which operate. Not all of us know the technicalities of writing HTML codes and designing a website. The real estate softwares can help you create targeted and user-friendly websites that you can use to showcase your business.

Direct mail generator –

Marketing is the soul of a real estate business. The more you network the more leads you can generate. The direct mail generator feature helps you setup a highly productive and efficient mailing system. You can send out emails, newsletters, posters and flyers.

There are a range of pre-made email templates you can use to send out messages to your leads. Autoresponders make sure you can keep in touch with sellers and buyers even when you are not physically present to answer their queries.

This feature is a highlight feature of most real estate software given that the savings in time and money are large.

Investing tips –

This is a section that most newbies can benefit from. Most applications include a resource library with info on the basic aspects of the trade. An open community of members can also give you an opportunity to interact and build your resource with real-time knowledge about making, building and closing a deal.

Diverse user base –

Modern-day automated real estate investing software applications cater to a varied group of investors. It includes those who buy, fix and flip properties. If you are a landlord, it can increase the convenience of managing your properties including finding tenants and repairing and renovating properties between subsequent deals. There are also features that rehabbers and builders of new constructions can use.

Contracts and paperwork –

Real estate investment also means a lot of paperwork. Most applications offer tools to generate contracts. Features such as auto-fill enable you to fill personal details into letters, contracts and other property-related documents. You can sign them online, and then email or fax them free of charge.

There is one thing – you need to be realistic. Real estate softwares are tools you can use to streamline your business. You should have a real estate business to start with and some basic know-how on investing.


Source by Jovia A. D’Souza

Twelve Secrets and Tricks to Buying Life Insurance


Secret #1: Don’t spend too much time on a life insurance quote.

Do not be fooled by the low price quotes you get online – they don’t apply to you unless you are extremely healthy. Statistically only 10% of people who apply actually get the lowest priced policy. The premium you end up paying has nothing to do with the initial quote you get online or from an agent. It is amazing to me how often I see people getting duped by an agent who quotes company X at a lower price than another agent.

Life insurance policies are the same price no matter who you buy from! One agent or website quoting a lower premium means nothing. Prices for any given policy is based on your age and health. There are a few exceptions to this but that is beyond the breadth of this article.

Most life insurance companies have 10-20 different health/price ratings and no agent or website can assure you the quote they give you is accurate. You have to apply, do a health check, and then go through underwriting (meaning you complete a mini-exam with a nurse in your home and then the company checks you doctor records and reviews and ‘rates’ your health) to get the real price of the policy. Remember that a health rating also factors in your family history, driving record, and the type of occupation you have. Only use quotes to help narrow down your choices to the top companies. You may want to consider a no load or low policy. The more that you save on commissions the more money builds up in your policy. You can even buy term insurance no load, and save a lot on premiums. You will not get the help of an agent, which may be worth something if they are very good.

The most important factor determining price is matching your particular health history with the company best suited for that niche. For instance company X might be best for smokers, company Y for cancer survivors, Company Z for people with high blood pressure, etc.

Secret #2: Ignore the hype on term versus cash value permanent insurance.

You can go crazy reading what everyone has to say on buying term insurance versus a whole or universal life policy. Big name websites give advice that I think borders on fraudulent. Simply put there is NO simple answer on whether you should buy permanent cash value policies or term insurance.

But I do think there is a simple rule of thumb – buy term for your temporary insurance needs and cash value insurance for your permanent needs. I have read in various journals and run mathematical equations myself which basically show that if you have a need for insurance beyond 20 years that you should consider some amount of permanent insurance. This is due to the tax advantage of the growth of the cash value within in a permanent policy. I am divorced and have taken care of my children should I die. I probably no longer need as much insurance as I now have. I have earned a great return on my policies and have paid no taxes. I no longer pay the premiums, because there is so much cash in the policies. I let the policies pay themselves. I would not call most life insurance a good investment. Because I bought my policies correctly, and paid almost no sales commissions my policies are probably my best investments. I no longer own them, so when I die my beneficiaries will get the money both tax free, and estate tax free.

Since most people have short term needs like a mortgage or kids at home they should get some term. Additionally most people want some life insurance in place for their whole life to pay for burial, help with unpaid medical bills and estate taxes and so a permanent policy should be purchased along with the term policy.

Secret #3: Consider applying with two companies at once.

Life insurance companies really don’t like this “trick” because it gives them competition and increases their underwriting costs.

Secret #4: Avoid captive life insurance agents.

Look for a life insurance agent who represents at least fifty life insurance companies and ask them for a multi company quote showing the best prices side by side. Some people try to cut the agent out and just apply online. Just remember that you don’t save any money that way because the commissions normally earned by the agent are just kept by the insurance company or the website insurance company without having your premium lowered.

Plus a good agent can help you maneuver through some of the complexities of filling out the application, setting up your beneficiaries, avoiding mistakes on selecting who should be the owner, the best way to pay your premium, and also will be there to deliver the check and assist your loved ones if the life insurance is ever used.

Secret #5: Consider refinancing old life policies.

Most companies won’t tell you but the price you pay on your old policies has probably come down dramatically if you are in good health. In the last few years life insurance companies have updated their predictions on how long people will live. Since we are living longer they are reducing their rates rather dramatically. Beware the agent may be doing this to obtain a new commission, so make sure it really makes sense.

I really am amazed at how often we find that our client’s old policies are twice as expensive as a new one. If you need new life insurance consider “refinancing” your old policies and using the savings on the old policies to pay for the new policy – that way there is no extra out-of-pocket costs. We like to think of this process as “refinancing your life insurance” – just like you refinance your mortgage.

Secret #6: Realize life insurance companies have target niches that constantly change.

One day company ‘X’ is giving good rates to people who are a little overweight and the next month they are super strict. Company ‘Y’ might be lenient on people with diabetes because they don’t have many diabetics on the books – meaning they will give good rates to diabetics. At the same time company ‘W’ might be very strict on diabetics because they are insuring lots of diabetics and are afraid they have too big of a risk in that area – meaning they will give a bad rate to new diabetics who apply.

Unfortunately when you are applying a life insurance company will not tell you, “Hey, we just raised our rates in diabetics.” They will just happily take your money if you were not smart enough to shop around. This is the number one area a smart agent can come in handy. Since a good multi-company agent is constantly applying with multiple companies he or she will have a good handle on who is currently the most lenient on underwriting for you particular situation. The problem is that this is hard work and many agents are either too busy or not set up to efficiently shop around directly to different underwriters and see who would make you the best offer. This is a lot harder than just running you a quote online.

Secret #7: Don’t forget customer service.

Most people shopping for insurance focus on companies with the lowest price and the best financial rating. Unfortunately I know of some A+ rated companies with low rates who I would not touch with a ten foot pole simply because it’s easier to give birth to a porcupine backwards then it is to get customer service from them.

Before I understood this I used a life insurance company that gave a client a great rate but 2 years later the client called me and said, “I have mailed in all my payments on time but just got a notice saying my policy lapsed.” It turned out the company had been making lots of back office mistakes and had lost the premium payment!

We were able to fix it because we caught the problem so early. But if the client happened to have died during the short period the policy had lapsed, his family might have had a hard time proving that the premium had been paid on time and they might not have received the life insurance money – a loss of hundreds of thousands of dollars in that case.

Secret #8: Apply 3-6 months ahead of the time you need the insurance if possible.

Don’t be in a hurry to get a policy if you already have some coverage in force. But go ahead and apply right away knowing that you might need months to shop around if the first company does not give you a good rate. Even though the life insurance industry is getting more automated your application will still often be held up for weeks or months while the insurance company waits on your doctor’s office to mail them a copy of you medical records.

If you are in a hurry and buy a quickie ‘no-underwriting’ policy without going through the full health checks and underwriting that a mainstream life insurance company requires, you will end up paying 20%-50% more because the insurance company will automatically charge you higher rates because they don’t know whether you are healthy or about to die the next day.

Secret #9: Avoid buying extra life insurance through work if you are healthy.

I am sure there are exceptions to this “trick” but I have rarely found one. By all means keep the free life insurance your employer provides. But if you are healthy and you are paying for supplemental life insurance through payroll deduction you are almost certainly paying too much. What is happening is that your ‘overpayments’ ends up subsidizing the unhealthy people in your company who are buying life insurance through payroll deduction.

Usually the life insurance company has cut a deal with your employer and will waive the required health exam for all employees – instead they just average the price for all the employees and offer one or two rates for males or females at any given age. Life insurance companies know they will pick up lots of unhealthy clients this way so they jack up the price on everyone so that the healthy people end up overpaying so that the unhealthy employees get a cheaper policy. Also, unlike the guaranteed term policies which we recommend, most life insurance you buy through work will get more expensive as you get older.

Also group life insurance is generally not portable when you retire or change jobs meaning that when you retire or change jobs you might have to apply all over again even though you will be older and probably not as healthy and risk being turned down for a policy. If the group plan does allow portability they generally limit your conversion choices and force you to go into expensive cash value plans.

I remember helping someone evaluate his supplemental life insurance. He was sure it was a better deal than any policy I could find him. Little did he know that the price of his group plan would go up every year? By the time he retired his premium would have risen to over $10,000/year. I found him a policy for around $1000/year that would never go up. Also, unlike his old group life policy, he could take the individual policy with him when he changed jobs or retired.

Secret #10: Do a trial application on a COD payment basis.

Only send money with the application if you need the life insurance coverage right away. Sending a check with the application is a traditional practice agents used to do – I think mostly because it got them their commissions faster. If you send money with an application you usually get temporary coverage immediately but if you already have plenty of coverage and are just trying to get better rates ask your agent to do a trial application on a COD basis so you only pay once the policy is approved. If you do not send money, and you die before paying for the policy there is no coverage.

Secret #11: Wear your shoes when the nurse measures your height.

When the insurance company sends out the nurse to do your health check try to be as tall as possible if you are overweight? In most states you are allowed to wear shoes and if you are a little overweight your taller height/weight ratio will look a little better to the underwriter who is determining your health rating and policy price. Also do your exam early in the morning with no food in you – this will make your cholesterol count and various health ratios look the best.

Secret #12: Be careful with extra perks and riders.

Most policies come with options like accidental death benefit, child riders, disability riders, return of premium etc. If you do the math on most of these “extras” they usually don’t make smart financial sense. Life insurance companies are out to make money and these riders are usually profitable because they either cover something that rarely happens or they are so stringent that the benefit never gets paid out. Keep things simple and focus mainly on getting a life policy to cover your life without many strings attached. Again a good agent can help you weigh the benefits of the extra riders. But be wary of an agent who tries to tack on every possible extra rider.


Source by L Lance Wallach

Earnest Money and Real Estate Transactions


First-time homebuyers and those that haven’t purchased a home for many years are often surprised at how important earnest money in negotiating the purchase or sale of a home. What changed is the prices of today’s homes and the old saying give us a thousand dollars and see you at closing is really outdated. Would you take a home you’ve been actively marketing for ninety days off market for four hundred thousand dollars, for a thousand? No, and you shouldn’t. Here are the ins and outs of earnest money and a couple of related experiences.

-Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

-Earnest money amounts vary, but here are some guidelines. 5-10% of contract price is typical. Flat amounts like $5,00 or $10,000 also work.

-Most states require that real estate brokerages now pay interest on earnest monies over a certain amount, here it’s $5,000. You will have to fill out a W-9 though to receive interest. Brokers can’t co-mingle earnest monies funds with their business, it needs to go into an escrow account.

-Escrow accounts. Require all deposits you make go into an escrow account. Research state brokerage laws to discover what regulations brokerages must follow with buyers funds.

-All earnest money checks should be made out to a real estate brokerage, not a person.

-Require that you receive a receipt for all earnest monies delivered to a real estate agent or brokerage. This should include a copy of the check on the brokerage letterhead and a signature of person accepting delivery, date and location check was received.

-If the earnest money system is a two-step, with an initial deposit and than a balance, make sure the second one is not delivered until after the attorney and inspection approval period have come to a successful conclusion.

-A quick closing date requires certified checks for earnest money. Many a delay in closing has occurred when buyers earnest money checks bounced. If you’re closing soon, utilize certified funds.

-The buyer ripped to shreds inches from my face his earnest money check. We looked at over a hundred and fifty homes, it was grueling. I couldn’t screw up, this relocating CEO was bringing another two hundred employees, and our firm would be finding them homes too. The problem was that the husband wanted traditional and the wife wanted contemporary, and eventually as their feud escalated, I counseled that it wasn’t the inventory, it was their relationship that was creating the barrier to agreeing on a home. So finally he gave in and we put together an offer, including his $100.000 earnest money deposit, except he sabotaged it with an unusually low price and wouldn’t move off of it. We lost the house and I met them in my office to return their check. As I was delivering the check back to him, I said that maybe they needed a fresh perspective in their home search and that I would find them a new agent. He got up and took the check and inches from my face tore it up dramatically, with the pieces falling down to the conference room table.

-The huge but lost earnest money check. I was representing young, wealthy newlyweds in the purchase of a very, very, very upper-bracket home. The husband was a principal in a investment banking firm, and audited his money market accounts hourly, 24/7. After negotiating a successful contract on their dream home, the husband delivered an earnest money check for a half-a-million-dollars. I in turn delivered it to the listing agent, as is the custom. A week went by and my banker-buyer called and said the check had not been presented against his account. I queried the whereabouts of the check with the selling agent. She said that it should go through any day, sit tight. Three weeks went by and my buyer called again, still no check had been presented. I called again, um, yes she found the check, I never new it was lost. Don’t tell anyone, but my cleaning lady found it behind the sofa in my family room.


Source by Mark Nash

State Lines and PIs – To Cross Or Not to Cross


State lines and PIs: to cross or not to cross that is the question. A Shakespearian conundrum.

Your driver’s license is accepted in all 50 states. So is your marriage license. What about your PI license?

The NASIR stated, several years ago, it hoped one day the PI license too will be accepted in other states. Today this is not the case…or is it. Read on.

In researching this article I learned there are as many opinions on the subject as there are people and no real consensus of opinion or understanding of the subject matter. However, we are in search of facts and law, not just opinions.

I spent some time in Texas last year. You can drive for days and not leave that State. Here in New Hampshire I can be in three different States in 60 – 90 minutes. Many residents live here and work just over the border. Crossing State lines is an important issue here in the Granite State.

What do you do on surveillance when the subject crosses the border? Tough call. Steve Byers, my good friend and mentor, feels this is like following a subject to a members only club, like the American Legion. Surveillance stops at the door. You have no legal right to enter. The client should be happy with the results and your professionalism. You didn’t trespass.

Steve feels the same concept applies to crossing State Lines. Stop at the border, unless you are licensed there. Many licensing authorities mirror this sentiment. However, this does not make it right…or wrong.

Your driver’s license is accepted in all states, temporarily, as long as you are just passing through and not living there. Your marriage license is accepted permanently. Why not your PI license?

Licensing Agents here in New England seem to subscribe to the philosophy that a license is required to cross the line to do any part of an investigation.

One New England licensing agent recently stated, to a licensed PI, that crossing the line and having a “conversation” with a witness was not an investigation, but if you “interviewed” the witness, you were “investigating.” I would explain this further, but I don’t quite grasp it.

There are several scenarios possible: A mobile surveillance where the person unexpectedly crosses the State line. What about a case for a NH attorney? A case in NH Court and one witness lives over the border? Or the witness lives in NH but his wife tells you he is at work, in a bordering state, close by. He does have time to see you today. Do you go?

There are a myriad of opinions and possible solutions. I network with a lot of PIs in neighboring states. I can pick up a phone and get it done. But this does not answer the question. When can you cross a State line?


Some interesting data can be found in American Law Reports, 93 ALR 2nd.

According to this compendium of cases, a licensed individual who performs a single act, or isolated transactions, in a foreign State, willnot be considered as engaging in that occupation, within the purview of the law requiring licensure of that occupation.

The Courts look at the intent to engage in these activities with any permanency: In other words, holding themselves out for hire, or “do business” in the foreign state.

A foreign (out of State) Corporation/individual, by doing a single isolated act of business, with no purpose of doing any other acts there, does not come within the provisions of a statute requiring foreign companies to comply with specified conditions before they are permitted to do business within the state.

To “do business “is to carry on any particular occupation or profession.

According to data in 93 ALR 2nd: when confronted with a single or some isolated transactions, the Court, in reality, determines the intent of the individual. This is, it seems, to differentiate the intent to complete an assignment from the intent to “do business” or hold oneself out to do business in the foreign state.


The Dept. of Safety in New Hampshire has stated that one must be licensed in New Hampshire, period, to enter the state on any investigation.

Iowa is a bit more flexible. In order to determine jurisdiction they apply a more flexible approach:

“The Department will consider the following factors in determining jurisdiction. Types of activities that are not, by themselves, viewed as demonstrating jurisdiction in Iowa include, but are not limited to the following:

(1)A non-Iowa based private investigation business works on a criminal, civil or administrative case that that originates and is filed in another state, but contains some investigative elements in Iowa.”

In North Dakota they have not had to review this type of scenario, having to cross a state line to finish an assignment. They assured me, in their letter, each case would be reviewed independently by the Board. The board feels it would be best “for an investigator to comply with our licensing requirements in anticipation of any such occurrence.”

Vermont states that you must obtain a Transitory Permit (Temp. license) before entering the state. I did this once. The client needed the information ASAP and wanted me to get it. It took 30 days to get the permit. I am not complaining by the way. I have several friends in Vermont who it on the Regulatory Board. I think they have the best system in the country. I used it as a model when drafting our legislative proposal to overhaul the system in NH.

Kentucky did not answer the question. They did supply me with a copy of their licensing law but it did not address the issue directly.

Connecticut also would not answer the question, stating they cannot give legal advice and referred me to read their laws…which do not address the issue. If you need to go into Ct. don’t bother to call, I guess.


A NH licensed investigator ended up in Vermont on a W/C case, having followed the claimant from Claremont, NH unexpectedly. He taped the claimant engaged in very strenuous activity in Vermont. The case ended up in Court, and the question of his legality was questioned by the claimant’s legal counsel. The judge ruled it WAS legal because of the circumstances. The investigator was: hired in NH, by a NH attorney, to watch someone whose legal address was in NH. There was no way for the investigator to know the claimant had purchased land in VT, and was excavating to start building a house. The PI was not “doing business” in Vermont.

Closer to home is the experience of my colleague Jim Collins from Massachusetts. I have known him for many years and he is a “by the book” kind of guy yet he ran afoul of licensing authorities and he prevailed.

It was a mess dealing with the authorities in Florida mostly ex-cops at the licensing division in Florida, Jim told me.

The most informed and reasonable person he met was a female attorney general who agreed with his arguments and she killed both cases, dismissed them eventually.

In one case a subject was followed from Massachusetts to Florida. Jim later testified in Probate Court during her divorce. The wife had started an affair with a younger man from another State, and they met in Florida. Her attorney made a big deal, in Court, of Jim not having a Florida license.

Jim did not know for certain, when he started, where she was going to end up and thought (from client supplied information) she might be going to Virginia, where her suspected paramour lived.

Her attorney “reported” him to Florida Dept. of State and gave them his investigative report which made its way into the record in Massachusetts.

The Massachusetts Judge reviewed the Florida statute and agreed that Jim was not in violation of Florida law at all, as he was not “operating” a business in Florida. The Judge pointed out Florida citizens could not even find him in Florida to hire him, as he had no ads, no telephone listings, and no office.

The Massachusetts Judge said the primary reason for “business licensing” is to protect the public from unqualified persons. Jim’s Massachusetts license took care of that.

Jim is regulated by Massachusetts, the Judge said, so the people up here who can find him and hire him are protected by the Massachusetts licensing authority.

The Judge in Probate & Family Court allowed all of his testimony on that case. That reduced (by at least $50,000.00) the divorce settlement proceeds the subject received. She and her boyfriend came at him with a vengeance, filing complaints and lawsuits against him 1,500 miles away in Florida. Jim prevailed. He was not operating a business in Florida.

The other case started in Mass. and ended up in New Jersey. A disability case worth millions and one day after a deposition the subject boarded a plane suddenly and Jim’s investigator followed her to Florida. Should he have parachuted out or just abandoned the assignment?

They reported him when he testified at a deposition. He testified in Massachusetts and in New Jersey.

Both parties were upset and lost hundreds of thousands of dollars (if not millions) because of these investigations. That is why they vindictively filed complaints with Florida authorities. Hell hath no fury…

Incidentally, while they were “guests” in Florida, they checked in with all local Police Departments, with Massachusetts PI Id’s and they could not have been treated nicer.

According to Jim, (just like the TV show):

“The biggest reason we prevailed was always our solid case that we were ‘not running a detective business in Florida.” Judges kept coming back to that point. We have no special police powers to do the tasks we do, the PI license is simply a business license.

The Florida Judge pointed out that when he was an attorney he often went out of state to take depositions and he was not licensed as an attorney in the foreign state. The tasks we were completing in Florida, looking up public records, monitoring someone’s activities, researching, taking photographs in a public area, do not in and of themselves require a special license. Many others do those same tasks and have no special licensing. The PI license is for “conducting the business of a Private Detective in Florida” which the judges said we were not doing.”

If these seems ridiculous to you consider this: Jim’s firm was “doing business” in Massachusetts on a Massachusetts based case. He was visiting Florida to complete the assignment.


As I researched this article, I posted to many PI lists expecting to be inundated with replies. I got very few.

This is an issue that does not affect all of us but could affect many of us. If the circumstance arrives on our own doorstep, I think it is important that we are aware of the issue, potential problems, and the way this is viewed by the Courts and licensing authorities.

It is obvious that Courts view this differently than the majority of licensing agents. Apparently the licensing agents need to be educated and that is our task. Licensing is designed is to protect the public by keeping unqualified people out of the profession, not to prevent crossing state lines.

Crossing a State line is apparently different than “doing business” in the foreign State.

Each State has different standards to obtain the license. This could be a piece of the puzzle. A few require no license and in Rhode Island each town/city issues the license. They have debates, from time to time, about the license being valid in other cities and towns.

Perhaps in the future we will see more consistency in licensing standards and this will help to alleviate this problem.


Source by John Healy

How to Impress a Guy on a First Date


Whether you want a future or not with this guy you are going to date, you want of course your first date to be a success. Every woman wants to wow a guy on their first date. So what it takes to impress a guy on a first date?

Be punctual. While most women tend to keep men waiting, it doesn’t mean that you have to do the same and make him wait. Be on time and this could be a pleasant surprise that could impress any guy. A woman who is considerate of other people’s time is amazing. To impress a guy on a first date, respect his time and be punctual.

Carry yourself well. The way you walk and carry yourself attracts and impress men. It is necessary to dress appropriately and put some effort on your overall looks and style for your first date but it is how you carry yourself that can really impress a guy on a first date. Even if you made a great effort on your looks but failed to carry yourself with confidence, then your date won’t be impressed. Your appearance matters but your good looks must be coupled with confidence to be able to make a lasting impression on your first date. If you are comfortable and confident with yourself, then you are on the right path to impress a guy on a first date.

Ask him to talk about himself. The first date is a getting to know each other and although it is not advisable to divulge everything about yourself on a first date, it is not good to be so quiet. Most men expect that women love to talk about themselves but it will be a good surprise if you will show interest and ask him to talk about his job, career, hobbies, family, etc. It means that you are interested to know him and you actually want a good conversation with him. Men are usually not big talkers and usually not comfortable expressing themselves, if you can make him talk about himself for a change, that would really impress him. To impress a guy on a first date, make him talk about himself.

Listen. Asking questions to show you are interested is one thing but listening is another thing. You will not leave a good impression if you are just asking him questions to somehow appear that you are interested but not actually listening to what he’s talking about. Everybody wants to be heard when they are talking and men are no different, they want to be heard too. You’ll be amazed on how as simple as listening or absorbing what he’s saying can impress a guy on a first date.

Talk about your interest. Most people talk about their jobs, so for a change talk about your hobbies and other interest. Who knows, you and your date might discover you both have the same interest. Sharing about your hobbies and interest will show that you are an independent woman who knows what you really want and that is pretty impressive. Sharing a little bit about yourself and what interests you can be very helpful to impress a guy on a first date.

Exercise good manners and right conduct. Women should be refined and must display good manners. Being rude and too loud will not help you make a good impression on your first date. Be courteous and do not forget to say thank you and please. It will not only show that you have good manners but it will also show that you’ve been brought up well by your parents.

Create a pleasant atmosphere on your date. It is good to be relaxed on your first date but do not get too relaxed that you find it comfortable to complain about things that should not be discussed on your first date. If you want to impress a guy on a first date, leave the drama and stress at work or at home. If you had a bad day, your first date is not the venue to complain about your issues at work and at home. Keep a pleasant and positive atmosphere on your date. He will be impressed on how positive and pleasant you are when in reality, the world is a stressful place to live in.

Do not try too hard to impress your date. It can be a real turn-off to be too obvious that you are trying hard to impress him. The easiest way to impress a guy on a first date is to just relax and let things happen naturally. He will be impressed on how you are so relaxed and cool about your first date and it may also encourage him not to be too nervous.

Make your first date a memorable and successful one. Lean more on how to attract men and achieve success in the dating scene visit Magnetize Men


Source by Gerry Restrivera

Living Room Decoration and Design Ideas


Your living room takes up a number of different roles which requires challenging decorating techniques and demands proper planning. You may want your room to cater and entertain your guests, or you might want it to be your relaxing casual space accommodating only your leisure activities for example watching TV, reading or mingling with family members. So before you begin to decorate your living room, plan out your budget and accommodate your planning according to it. This article will present your some economic ways to bring color to your living room and enhance its decoration.

Splash Your Niche

You can add a dash of color and shade by painting a single wall with a bold color. This will change the central point of your room without the help of any expensive or lavish decorating item. Niches and alcoves are perfect places to paint. A splash of some bold color which may be a darker tone of the rest of the walls or be compliment to your general color theme of the living room, is the perfect way to bring a creative change in your living room.

Toss Some Sofa Cushions

You can also add some cushions or pillows to your furniture, which adds color to your solid furniture. Bright and patterned cushions add the right color to your room furniture and also include comfort to your seating.

The Mother Nature effects

You can use the help of green plants or flowers to add not just color to your living room but also personality and fragrance. It adds a good and soothing feeling to your room. However, if you are not fond of plants inside the house or cannot take much care of the plants then you may opt for artificial flowers which only need to be dusted.

Install a Fancy Lamp

For a more classic look, add an interesting, fancy lamp inside your room. You can install electrical components inside some pot or sculpture of your choice which gives exclusiveness and personality to your room. The yellow lights play a soothing role and are immensely seductive.

Color the Floor

You can start to clear the floor by adding a colorful rug in your living room which adds texture and some fun element in the room. Using it on top of hardwood flooring or plain carpets can create an interesting effect. Try to opt for rugs which share the theme of the entire living room.

Artsy personalization

Personalize your family room in an artsy manner by adding a family photo gallery on a plain wall. Frame your photos and place them strategically on the wall to add color and uniqueness to your living room. You can further add decorative objects around the room on shelves, racks or tables. Antique objects, photos, jars of dry fruit or candies may be used.


Source by Shahid Ashraf